/* ============================================================
   SUMMIT CLAIMS ADVISORS — Design System
   Warm near-black · cream · soft gold. Editorial, expensive, calm.
   Shared across all pages.
   ============================================================ */
:root{
  /* warm dark grounds */
  --bg:#14110c;            /* page base — warm near-black */
  --bg-2:#1a160f;          /* alternate section */
  --bg-3:#221c13;          /* raised cards */
  --bg-4:#2a2217;          /* inputs / hover surfaces */
  /* cream inks */
  --cream:#f5eddd;
  --cream-soft:#cabfa9;
  --cream-faint:#94886f;
  /* gold accent */
  --gold:#d9a85f;
  --gold-bright:#e6bd7c;
  --gold-deep:#b9863f;
  --gold-tint:rgba(217,168,95,.12);
  --gold-tint-2:rgba(217,168,95,.06);
  /* lines */
  --line:rgba(245,237,221,.12);
  --line-2:rgba(245,237,221,.07);
  --line-gold:rgba(217,168,95,.28);
  /* shadows */
  --sh-md:0 10px 30px rgba(0,0,0,.4);
  --sh-lg:0 30px 70px rgba(0,0,0,.55),0 6px 18px rgba(0,0,0,.4);
  --serif:"Newsreader",Georgia,"Times New Roman",serif;
  --sans:"Hanken Grotesk",system-ui,-apple-system,sans-serif;
  --maxw:1240px;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{font-family:var(--sans);background:var(--bg);color:var(--cream);
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  line-height:1.62;font-size:17px;overflow-x:hidden;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
::selection{background:var(--gold);color:var(--bg);}
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;line-height:1.06;
  letter-spacing:-.018em;font-optical-sizing:auto;color:var(--cream);}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 48px;}
.wrap-mid{max-width:980px;margin:0 auto;padding:0 48px;}
.wrap-sm{max-width:760px;margin:0 auto;padding:0 48px;}

/* ---------- atoms ---------- */
.eyebrow{font-family:var(--sans);font-size:12.5px;font-weight:700;letter-spacing:.2em;
  text-transform:uppercase;color:var(--gold);display:inline-flex;align-items:center;gap:13px;}
.eyebrow::before{content:"";width:32px;height:1.5px;background:var(--gold);}
.eyebrow.c{justify-content:center;}
.eyebrow.c::after{content:"";width:32px;height:1.5px;background:var(--gold);}

.btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--sans);font-weight:600;
  font-size:16px;padding:16px 30px;border-radius:3px;cursor:pointer;border:1px solid transparent;
  transition:transform .25s cubic-bezier(.2,.7,.3,1),box-shadow .25s,background .2s,border-color .2s,color .2s;
  white-space:nowrap;letter-spacing:.005em;}
.btn-primary{background:var(--gold);color:#1b150c;box-shadow:0 1px 2px rgba(0,0,0,.4);}
.btn-primary:hover{background:var(--gold-bright);transform:translateY(-2px);box-shadow:0 14px 30px rgba(217,168,95,.28);}
.btn-ghost{background:transparent;color:var(--cream);border-color:var(--line);}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-1px);}
.btn-lg{padding:18px 36px;font-size:17px;}
.arrow{transition:transform .25s cubic-bezier(.2,.7,.3,1);}
.btn:hover .arrow{transform:translateX(4px);}
.txtlink{color:var(--gold);font-weight:600;display:inline-flex;align-items:center;gap:8px;transition:gap .2s,color .2s;}
.txtlink:hover{color:var(--gold-bright);gap:12px;}

/* placeholder imagery — warm, dark, intentional */
.ph{position:relative;overflow:hidden;background:
    linear-gradient(135deg,rgba(217,168,95,.07),rgba(0,0,0,.25)),
    repeating-linear-gradient(135deg,#2b2318,#2b2318 14px,#241d13 14px,#241d13 28px);
  border:1px solid var(--line);}
.ph::before{content:"";position:absolute;inset:0;box-shadow:inset 0 0 100px rgba(0,0,0,.4);pointer-events:none;}
.ph::after{content:attr(data-label);position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);
  font-family:ui-monospace,"SF Mono",Menlo,monospace;font-size:11px;letter-spacing:.04em;color:var(--cream-faint);
  background:rgba(20,17,12,.85);padding:6px 13px;border-radius:2px;white-space:nowrap;border:1px solid var(--line-2);}

/* ---------- topbar ---------- */
.topbar{background:#0f0d09;color:var(--cream-soft);font-size:13.5px;font-weight:500;letter-spacing:.01em;
  border-bottom:1px solid var(--line-2);}
.topbar .wrap{display:flex;align-items:center;justify-content:center;gap:10px;height:42px;text-align:center;}
.topbar svg{color:var(--gold);flex:0 0 auto;}
.topbar b{color:var(--cream);font-weight:600;}

/* ---------- header / nav ---------- */
header.site{position:sticky;top:0;z-index:90;transition:background .3s,box-shadow .3s,border-color .3s;
  background:rgba(20,17,12,0);border-bottom:1px solid transparent;}
header.site.stuck{background:rgba(16,13,9,.86);backdrop-filter:blur(16px) saturate(1.1);
  border-bottom-color:var(--line-2);}
.nav{display:flex;align-items:center;justify-content:space-between;height:82px;}
.logo{display:flex;align-items:center;gap:13px;}
.mark{width:37px;height:33px;flex:0 0 auto;}
.logo-txt{font-family:var(--serif);font-size:22px;font-weight:600;letter-spacing:-.01em;line-height:1;color:var(--cream);}
.logo-txt small{display:block;font-family:var(--sans);font-size:10px;font-weight:700;letter-spacing:.24em;
  text-transform:uppercase;color:var(--cream-faint);margin-top:4px;}
.nav-links{display:flex;align-items:center;gap:38px;}
.nav-links a{font-size:15px;font-weight:500;color:var(--cream-soft);transition:color .18s;position:relative;}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:1.5px;background:var(--gold);transition:width .25s;}
.nav-links a:hover{color:var(--cream);}.nav-links a:hover::after,.nav-links a.active::after{width:100%;}
.nav-links a.active{color:var(--cream);}
.nav-cta{display:flex;align-items:center;gap:22px;}
.nav-phone{display:flex;align-items:center;gap:8px;font-weight:600;font-size:15px;color:var(--cream);}
.nav-phone svg{color:var(--gold);}
.burger{display:none;width:42px;height:42px;border:1px solid var(--line);border-radius:4px;background:transparent;
  cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px;}
.burger span{width:18px;height:1.6px;background:var(--cream);transition:.25s;}
.mobile-menu{position:fixed;inset:0;z-index:100;background:rgba(16,13,9,.98);backdrop-filter:blur(8px);
  display:flex;flex-direction:column;padding:28px 28px 40px;transform:translateY(-100%);
  transition:transform .4s cubic-bezier(.2,.7,.3,1);visibility:hidden;}
.mobile-menu.open{transform:translateY(0);visibility:visible;}
.mm-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:30px;}
.mm-close{width:42px;height:42px;border:1px solid var(--line);border-radius:4px;background:transparent;color:var(--cream);
  font-size:26px;cursor:pointer;line-height:1;}
.mobile-menu a.mm-link{font-family:var(--serif);font-size:32px;font-weight:500;color:var(--cream);padding:16px 0;
  border-bottom:1px solid var(--line-2);display:flex;justify-content:space-between;align-items:center;}
.mobile-menu a.mm-link span{color:var(--gold);font-size:20px;}
.mm-foot{margin-top:auto;padding-top:28px;display:flex;flex-direction:column;gap:14px;}

/* ---------- generic section ---------- */
section.block{padding:clamp(72px,9vw,120px) 0;}
section.alt{background:var(--bg-2);}
.sec-head{max-width:700px;margin-bottom:64px;}
.sec-head.c{margin-left:auto;margin-right:auto;text-align:center;}
.sec-head h2{font-size:clamp(34px,4.3vw,54px);margin-top:20px;}
.sec-head h2 em{font-style:italic;color:var(--gold);}
.sec-head p{font-size:clamp(17px,1.4vw,20px);color:var(--cream-soft);margin-top:20px;text-wrap:pretty;}

/* ---------- page hero (interior pages) ---------- */
.page-hero{position:relative;padding:clamp(70px,9vw,120px) 0 clamp(56px,7vw,84px);overflow:hidden;
  border-bottom:1px solid var(--line-2);}
.page-hero::before{content:"";position:absolute;top:-40%;left:50%;transform:translateX(-50%);
  width:900px;height:600px;background:radial-gradient(ellipse,var(--gold-tint),transparent 65%);pointer-events:none;}
.page-hero-inner{position:relative;max-width:820px;}
.page-hero-inner.c{margin:0 auto;text-align:center;}
.page-hero h1{font-size:clamp(40px,5.4vw,72px);letter-spacing:-.025em;margin:24px 0 22px;}
.page-hero h1 em{font-style:italic;color:var(--gold);}
.page-hero p{font-size:clamp(18px,1.5vw,21px);color:var(--cream-soft);max-width:34em;}
.page-hero-inner.c p{margin-left:auto;margin-right:auto;}
.crumbs{font-size:13px;color:var(--cream-faint);letter-spacing:.04em;display:flex;gap:9px;align-items:center;}
.crumbs a:hover{color:var(--gold);}.crumbs span{color:var(--gold);}

/* ---------- home hero ---------- */
.hero{position:relative;padding:84px 0 76px;overflow:hidden;}
.hero::before{content:"";position:absolute;top:-30%;right:-8%;width:680px;height:680px;border-radius:50%;
  background:radial-gradient(circle,var(--gold-tint),transparent 62%);pointer-events:none;}
.hero-grid{position:relative;display:grid;grid-template-columns:1.06fr .94fr;gap:72px;align-items:center;}
.hero h1{font-size:clamp(44px,5.6vw,78px);margin:26px 0 26px;letter-spacing:-.025em;}
.hero h1 em{font-style:italic;color:var(--gold);}
.hero .lede{font-size:clamp(18px,1.5vw,21px);color:var(--cream-soft);max-width:31em;margin-bottom:38px;}
.hero-actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap;}
.hero-rating{display:flex;align-items:center;gap:16px;margin-top:36px;flex-wrap:wrap;}
.stars{color:var(--gold);font-size:17px;letter-spacing:2px;}
.hero-rating .rtxt{font-size:14.5px;color:var(--cream-soft);}
.hero-rating .rtxt b{color:var(--cream);font-weight:700;}
.hero-rating .divider{width:1px;height:22px;background:var(--line);}
.pill-bbb{display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:700;color:var(--cream);
  border:1px solid var(--line);border-radius:30px;padding:6px 13px;}
.pill-bbb b{color:var(--gold);}
.hero-figure{position:relative;}
.hero-photo{aspect-ratio:4/4.7;border-radius:5px;box-shadow:var(--sh-lg);}
.float-card{position:absolute;left:-28px;bottom:40px;z-index:3;background:var(--bg-3);
  padding:22px 24px;border-radius:5px;box-shadow:var(--sh-lg);max-width:248px;border-top:3px solid var(--gold);}
.float-card .lbl{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--cream-faint);margin-bottom:8px;}
.float-card b{font-family:var(--serif);font-size:34px;font-weight:600;color:var(--gold);display:block;line-height:1;}
.float-card small{font-size:13px;color:var(--cream-soft);display:block;margin-top:7px;line-height:1.45;}
.seal{position:absolute;right:-22px;top:34px;z-index:3;width:98px;height:98px;border-radius:50%;
  background:var(--bg-3);color:var(--gold);display:flex;flex-direction:column;align-items:center;justify-content:center;
  text-align:center;box-shadow:var(--sh-md);border:1px solid var(--line-gold);}
.seal .sealnum{font-family:var(--serif);font-size:25px;font-weight:600;color:var(--cream);line-height:1;}
.seal small{font-size:8.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;margin-top:4px;color:var(--gold);}

/* ---------- credibility bar ---------- */
.cred{border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2);background:var(--bg-2);}
.cred .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px;padding-top:26px;padding-bottom:26px;flex-wrap:wrap;}
.cred-lead{font-size:13px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--cream-faint);}
.cred-marks{display:flex;align-items:center;gap:34px;flex-wrap:wrap;}
.cred-mark{display:flex;align-items:center;gap:10px;font-size:14.5px;font-weight:600;color:var(--cream-soft);}
.cred-mark svg{color:var(--gold);flex:0 0 auto;}
.cred-mark b{color:var(--cream);font-weight:700;}

/* ---------- stats strip ---------- */
.strip{background:var(--bg-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.strip-grid{display:grid;grid-template-columns:repeat(4,1fr);}
.stat{padding:46px 36px;border-right:1px solid var(--line-2);}
.stat:last-child{border-right:none;}
.stat b{font-family:var(--serif);font-size:clamp(38px,4vw,52px);font-weight:600;display:block;line-height:1;letter-spacing:-.02em;color:var(--gold);}
.stat span{font-size:14.5px;color:var(--cream-soft);display:block;margin-top:13px;font-weight:500;}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);background:var(--line-2);
  border:1px solid var(--line);border-radius:6px;overflow:hidden;}
.step{background:var(--bg-3);padding:48px 40px 52px;position:relative;transition:background .25s;}
.step:not(:last-child){border-right:1px solid var(--line-2);}
.step:hover{background:var(--bg-4);}
.step .num{font-family:var(--serif);font-size:14px;font-weight:600;color:var(--gold);
  display:flex;align-items:center;gap:12px;margin-bottom:30px;letter-spacing:.04em;}
.step .num::after{content:"";flex:1;height:1px;background:var(--line);}
.step .stico{width:48px;height:48px;border-radius:50%;background:var(--gold-tint);color:var(--gold);
  display:flex;align-items:center;justify-content:center;margin-bottom:22px;border:1px solid var(--line-gold);}
.step h3{font-size:25px;margin-bottom:14px;letter-spacing:-.01em;}
.step p{font-size:16px;color:var(--cream-soft);}

/* ---------- difference / comparison ---------- */
.diff-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;}
.diff-col{border-radius:8px;padding:42px 40px;}
.diff-col.you{background:var(--bg-2);border:1px solid var(--line);}
.diff-col.us{background:linear-gradient(160deg,var(--bg-3),var(--bg-2));border:1px solid var(--line-gold);box-shadow:var(--sh-md);}
.diff-col h3{font-size:24px;margin-bottom:6px;}
.diff-col .ctag{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:28px;display:block;}
.diff-col.you .ctag{color:var(--cream-faint);}
.diff-col.us .ctag{color:var(--gold);}
.diff-col ul{list-style:none;}
.diff-col li{display:flex;gap:15px;padding:17px 0;font-size:15.5px;align-items:flex-start;border-bottom:1px solid var(--line-2);}
.diff-col li:last-child{border-bottom:none;}
.diff-col li svg{flex:0 0 auto;margin-top:2px;}
.diff-col.you li{color:var(--cream-soft);}
.diff-col.you li svg{color:var(--cream-faint);}
.diff-col.us li{color:var(--cream-soft);}
.diff-col.us li svg{color:var(--gold);}
.diff-col.us li b{color:var(--cream);font-weight:600;}

/* ---------- promise ---------- */
.promise{display:grid;grid-template-columns:1fr 1.1fr;gap:72px;align-items:center;}
.promise h2{font-size:clamp(34px,4vw,48px);margin:22px 0 22px;}
.promise>div>p{color:var(--cream-soft);font-size:19px;max-width:30em;}
.promise ul{list-style:none;}
.promise li{display:flex;gap:20px;padding:26px 0;border-bottom:1px solid var(--line-2);}
.promise li:first-child{padding-top:0;}.promise li:last-child{border-bottom:none;padding-bottom:0;}
.promise li .pico{flex:0 0 auto;width:46px;height:46px;border-radius:50%;border:1px solid var(--line-gold);
  display:flex;align-items:center;justify-content:center;color:var(--gold);background:var(--gold-tint-2);}
.promise li b{font-family:var(--sans);font-weight:600;font-size:18px;color:var(--cream);display:block;margin-bottom:5px;}
.promise li small{font-size:15px;color:var(--cream-soft);line-height:1.55;}

/* ---------- explainer ---------- */
.explain-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:72px;align-items:center;}
.explain-photo{aspect-ratio:5/4;border-radius:5px;box-shadow:var(--sh-md);}
.explain h2{font-size:clamp(32px,3.6vw,46px);margin-bottom:24px;}
.explain h2 em{font-style:italic;color:var(--gold);}
.explain p{font-size:18px;color:var(--cream-soft);margin-bottom:18px;}
.explain p em{color:var(--cream);font-style:italic;}
.explain .pull{font-family:var(--serif);font-style:italic;font-size:25px;color:var(--cream);
  border-left:3px solid var(--gold);padding-left:26px;margin:32px 0;line-height:1.4;letter-spacing:-.01em;}

/* ---------- testimonials ---------- */
.testi-card{max-width:920px;margin:0 auto;text-align:center;}
.qmark{font-family:var(--serif);font-size:96px;line-height:.5;color:var(--gold);opacity:.4;height:48px;display:block;}
.quote{font-family:var(--serif);font-size:clamp(26px,3vw,38px);line-height:1.34;letter-spacing:-.012em;margin:0 0 38px;}
.quote em{color:var(--gold);font-style:italic;}
.who{display:flex;align-items:center;justify-content:center;gap:16px;}
.who .av{width:56px;height:56px;border-radius:50%;}
.who .wtext{text-align:left;}
.who b{font-weight:700;font-size:16px;color:var(--cream);}
.who span{font-size:14px;color:var(--cream-faint);}
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.tcard{background:var(--bg-3);border:1px solid var(--line-2);border-radius:8px;padding:34px 32px;transition:transform .25s,border-color .25s;}
.tcard:hover{transform:translateY(-4px);border-color:var(--line-gold);}
.tcard .ts{color:var(--gold);font-size:15px;letter-spacing:3px;margin-bottom:18px;}
.tcard p{font-size:16px;color:var(--cream-soft);line-height:1.6;margin-bottom:24px;}
.tcard .who{justify-content:flex-start;}
.tcard .av{width:48px;height:48px;}

/* ---------- faq ---------- */
.faq-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:72px;align-items:start;}
.faq-side h2{font-size:clamp(30px,3.4vw,44px);margin-top:20px;line-height:1.08;}
.faq-side p{color:var(--cream-soft);margin-top:20px;font-size:17px;}
.faq-side a{color:var(--gold);font-weight:600;}
.faq-item{border-top:1px solid var(--line);}
.faq-list .faq-item:last-child{border-bottom:1px solid var(--line);}
.faq-item summary{list-style:none;cursor:pointer;padding:28px 0;display:flex;justify-content:space-between;
  gap:28px;align-items:center;font-family:var(--serif);font-size:22px;font-weight:500;color:var(--cream);transition:color .2s;}
.faq-item summary:hover{color:var(--gold);}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item .pm{flex:0 0 auto;width:22px;height:22px;position:relative;transition:transform .3s cubic-bezier(.2,.7,.3,1);}
.faq-item .pm::before,.faq-item .pm::after{content:"";position:absolute;background:var(--gold);border-radius:1px;}
.faq-item .pm::before{left:0;top:10px;width:22px;height:2px;}
.faq-item .pm::after{left:10px;top:0;width:2px;height:22px;transition:opacity .3s;}
.faq-item[open] .pm{transform:rotate(90deg);}
.faq-item[open] .pm::after{opacity:0;}
.faq-item .ans{padding:0 50px 30px 0;color:var(--cream-soft);font-size:16.5px;animation:ansfade .35s ease;}
@keyframes ansfade{from{opacity:0;transform:translateY(-4px);}to{opacity:1;transform:none;}}
.faq-cat{margin-bottom:56px;}
.faq-cat .cat-title{font-family:var(--sans);font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold);margin-bottom:8px;display:flex;align-items:center;gap:12px;}

/* ---------- forms ---------- */
.form-card{background:var(--bg-3);border-radius:8px;padding:40px;box-shadow:var(--sh-md);border:1px solid var(--line-2);}
.form-card h3{font-family:var(--serif);font-size:26px;font-weight:600;margin-bottom:6px;}
.form-card .fsub{font-size:14.5px;color:var(--cream-soft);margin-bottom:26px;}
.field{margin-bottom:16px;}
.field label{display:block;font-size:12.5px;font-weight:700;letter-spacing:.03em;color:var(--cream-soft);margin-bottom:8px;text-transform:uppercase;}
.field input,.field textarea,.field select{width:100%;font-family:var(--sans);font-size:16px;padding:15px 16px;
  border:1px solid var(--line);border-radius:4px;background:var(--bg);color:var(--cream);transition:.2s;}
.field textarea{resize:vertical;min-height:110px;}
.field input::placeholder,.field textarea::placeholder{color:var(--cream-faint);}
.field input:focus,.field textarea:focus,.field select:focus{outline:none;border-color:var(--gold);background:var(--bg-4);box-shadow:0 0 0 3px var(--gold-tint);}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.form-card .btn-primary{width:100%;justify-content:center;margin-top:8px;}
.form-fine{font-size:12.5px;color:var(--cream-faint);text-align:center;margin-top:16px;display:flex;align-items:center;justify-content:center;gap:8px;line-height:1.4;}
.form-fine svg{flex:0 0 auto;}
.form-loading,.form-done{text-align:center;padding:24px 0;animation:ansfade .4s ease;}
.spinner{width:44px;height:44px;border:3px solid var(--gold-tint);border-top-color:var(--gold);border-radius:50%;margin:8px auto 20px;animation:spin .8s linear infinite;}
@keyframes spin{to{transform:rotate(360deg);}}
.form-done .check{width:66px;height:66px;border-radius:50%;background:var(--gold-tint);color:var(--gold);display:flex;align-items:center;justify-content:center;margin:4px auto 20px;border:1px solid var(--line-gold);}
.form-done h3{margin-bottom:10px;}
.form-done p{font-size:15.5px;color:var(--cream-soft);margin-bottom:8px;}
.form-done .restart{font-size:13.5px;color:var(--gold);font-weight:600;cursor:pointer;margin-top:18px;display:inline-block;}

/* ---------- contact info ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start;}
.info-list{display:flex;flex-direction:column;gap:4px;margin-top:30px;}
.info-row{display:flex;gap:18px;padding:22px 0;border-bottom:1px solid var(--line-2);align-items:flex-start;}
.info-row:last-child{border-bottom:none;}
.info-row .ii{flex:0 0 auto;width:46px;height:46px;border-radius:50%;border:1px solid var(--line-gold);background:var(--gold-tint-2);
  display:flex;align-items:center;justify-content:center;color:var(--gold);}
.info-row .lbl{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--cream-faint);margin-bottom:5px;}
.info-row .val{font-size:18px;color:var(--cream);font-weight:500;}
.info-row .val a:hover{color:var(--gold);}
.info-row small{color:var(--cream-soft);font-size:14px;}

/* ---------- "what happens next" ---------- */
.next-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.next-card{background:var(--bg-3);border:1px solid var(--line-2);border-radius:8px;padding:32px 30px;}
.next-card .nn{font-family:var(--serif);font-style:italic;font-size:30px;color:var(--gold);line-height:1;margin-bottom:18px;}
.next-card h3{font-size:21px;margin-bottom:10px;}
.next-card p{font-size:15px;color:var(--cream-soft);}

/* ---------- value cards (about) ---------- */
.value-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.value-card{background:var(--bg-3);border:1px solid var(--line-2);border-radius:8px;padding:36px 32px;transition:transform .25s,border-color .25s;}
.value-card:hover{transform:translateY(-4px);border-color:var(--line-gold);}
.value-card .vico{width:52px;height:52px;border-radius:14px;background:var(--gold-tint);border:1px solid var(--line-gold);
  display:flex;align-items:center;justify-content:center;color:var(--gold);margin-bottom:22px;}
.value-card h3{font-size:23px;margin-bottom:12px;}
.value-card p{font-size:15.5px;color:var(--cream-soft);}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;}
.team-card .tphoto{aspect-ratio:1/1.1;border-radius:6px;margin-bottom:20px;}
.team-card h3{font-size:21px;margin-bottom:3px;}
.team-card .role{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;}
.team-card p{font-size:14.5px;color:var(--cream-soft);}

/* ---------- big CTA band ---------- */
.cta-band{text-align:center;position:relative;overflow:hidden;}
.cta-band::before{content:"";position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
  width:700px;height:500px;background:radial-gradient(ellipse,var(--gold-tint),transparent 65%);pointer-events:none;}
.cta-band .inner{position:relative;}
.cta-band h2{font-size:clamp(36px,4.6vw,58px);margin-bottom:22px;}
.cta-band h2 em{font-style:italic;color:var(--gold);}
.cta-band p{font-size:20px;color:var(--cream-soft);max-width:32em;margin:0 auto 36px;}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* ---------- footer ---------- */
footer.site{background:#0f0d09;color:var(--cream-soft);padding:76px 0 40px;border-top:1px solid var(--line-2);}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px;padding-bottom:52px;border-bottom:1px solid var(--line-2);}
footer .logo-txt{color:var(--cream);}footer .logo-txt small{color:var(--cream-faint);}
footer p.fdesc{font-size:14.5px;margin-top:20px;max-width:27em;line-height:1.65;color:var(--cream-soft);}
.foot-contact{margin-top:22px;display:flex;flex-direction:column;gap:10px;}
.foot-contact a{display:flex;align-items:center;gap:10px;font-size:14.5px;color:var(--cream-soft);}
.foot-contact a svg{color:var(--gold);flex:0 0 auto;}
.foot-contact a:hover{color:var(--cream);}
.fcol h4{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--cream-faint);margin-bottom:20px;}
.fcol a{display:block;font-size:15px;margin-bottom:13px;color:var(--cream-soft);transition:color .18s;}
.fcol a:hover{color:var(--gold);}
.foot-bot{display:flex;justify-content:space-between;padding-top:30px;font-size:13px;color:var(--cream-faint);flex-wrap:wrap;gap:14px;}
.foot-bot .legal{max-width:66ch;line-height:1.6;}
.foot-bot .links{display:flex;gap:22px;flex:0 0 auto;}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .8s cubic-bezier(.2,.7,.3,1),transform .8s cubic-bezier(.2,.7,.3,1);}
.reveal.in{opacity:1;transform:none;}
.reveal.d1{transition-delay:.08s;}.reveal.d2{transition-delay:.16s;}.reveal.d3{transition-delay:.24s;}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none;}}

/* ---------- responsive ---------- */
@media(max-width:980px){
  .hero-grid,.explain-grid,.faq-grid,.promise,.diff-grid,.contact-grid{grid-template-columns:1fr;gap:48px;}
  .strip-grid{grid-template-columns:1fr 1fr;}
  .stat{border-right:none;border-bottom:1px solid var(--line-2);}
  .steps,.tgrid,.next-grid,.value-grid,.team-grid{grid-template-columns:1fr;}
  .step:not(:last-child){border-right:none;border-bottom:1px solid var(--line-2);}
  .foot-grid{grid-template-columns:1fr 1fr;}
  .nav-links,.nav-phone{display:none;}
  .nav-cta{display:none;}
  .burger{display:flex;}
  .wrap,.wrap-mid,.wrap-sm{padding:0 28px;}
  .seal{right:8px;}.float-card{left:8px;}
  .tgrid,.team-grid{gap:20px;}
}
@media(max-width:560px){
  .strip-grid,.foot-grid{grid-template-columns:1fr;}
  .frow{grid-template-columns:1fr;}
  .cred .wrap{justify-content:center;text-align:center;}
}

/* ============================================================
   LUXURY MOTION LAYER
   ============================================================ */

/* scroll-progress hairline */
#scrollbar{position:fixed;top:0;left:0;height:2px;width:0;z-index:200;pointer-events:none;
  background:linear-gradient(90deg,var(--gold-deep),var(--gold-bright));
  box-shadow:0 0 12px rgba(217,168,95,.5);transition:width .08s linear;}

/* reveal — add a soft focus-pull on top of the rise/fade */
.reveal{filter:blur(5px);
  transition:opacity .9s cubic-bezier(.2,.7,.3,1),transform .9s cubic-bezier(.2,.7,.3,1),filter .9s cubic-bezier(.2,.7,.3,1);}
.reveal.in{filter:blur(0);}

/* cinematic image unveil — wipe down + settle, no markup change */
.ph{transition:clip-path 1.15s cubic-bezier(.66,0,.2,1),transform 1.25s cubic-bezier(.2,.7,.3,1);}
.reveal:not(.in) .ph{clip-path:inset(0 0 100% 0);transform:scale(1.06);}
.reveal.in .ph{clip-path:inset(0 0 0 0);transform:scale(1);}
.ph.reveal:not(.in){clip-path:inset(0 0 100% 0);}
.ph.reveal.in{clip-path:inset(0 0 0 0);}

/* gold accent rules draw in with their section */
.eyebrow::before,.eyebrow.c::after{transition:width .8s cubic-bezier(.2,.7,.3,1) .2s;}
.reveal:not(.in) .eyebrow::before,.reveal:not(.in) .eyebrow.c::after{width:0;}

/* primary buttons — a single sheen sweep on hover */
.btn{position:relative;overflow:hidden;}
.btn-primary::after{content:"";position:absolute;top:0;left:0;width:55%;height:100%;pointer-events:none;
  background:linear-gradient(100deg,transparent,rgba(255,255,255,.45),transparent);
  transform:translateX(-200%) skewX(-14deg);transition:transform .85s cubic-bezier(.2,.7,.3,1);}
.btn-primary:hover::after{transform:translateX(340%) skewX(-14deg);}

/* breathing ambient glow */
@keyframes glow{0%,100%{opacity:.5;}50%{opacity:.95;}}
.hero::before,.page-hero::before,.cta-band::before{animation:glow 7.5s ease-in-out infinite;}

/* hero cards drift gently */
@keyframes floatA{from{transform:translateY(0);}to{transform:translateY(-10px);}}
@keyframes floatB{from{transform:translateY(0);}to{transform:translateY(9px);}}
.float-card{animation:floatA 5.5s ease-in-out infinite alternate;}
.seal{animation:floatB 6.8s ease-in-out infinite alternate;}

/* logo micro-interaction */
.logo .mark{transition:transform .45s cubic-bezier(.2,.7,.3,1);}
.logo:hover .mark{transform:rotate(-4deg) scale(1.06);}

/* richer card hover elevation */
.tcard,.value-card,.next-card{transition:transform .3s cubic-bezier(.2,.7,.3,1),border-color .3s,box-shadow .3s;}
.tcard:hover,.value-card:hover{box-shadow:0 22px 55px rgba(0,0,0,.5);}
.next-card:hover{transform:translateY(-4px);border-color:var(--line-gold);box-shadow:0 22px 55px rgba(0,0,0,.5);}

/* nav cta primary keeps its sheen; add gentle press feel */
.btn:active{transform:translateY(0) scale(.985);}

@media(prefers-reduced-motion:reduce){
  .reveal{filter:none;}
  .hero::before,.page-hero::before,.cta-band::before,.float-card,.seal,.rec-track{animation:none;}
  .ph,image-slot{clip-path:none!important;transform:none!important;}
  .eyebrow::before,.eyebrow.c::after{width:32px!important;}
  .btn-primary::after{display:none;}
  #scrollbar{display:none;}
}

/* ============================================================
   IMAGE SLOTS · MONOGRAMS · PROOF TICKER · CONCIERGE · MOTIF
   ============================================================ */

/* photo classes now host <image-slot> — make them fill + carry shadow */
.hero-photo,.explain-photo,.story-photo,.team-card .tphoto{display:block;width:100%;height:auto;}
image-slot.hero-photo,image-slot.explain-photo,image-slot.story-photo,image-slot.tphoto{vertical-align:top;}

/* dark-theme styling for the slot empty-state (via exposed parts) */
image-slot::part(frame){background:var(--bg-4);}
image-slot::part(empty){color:var(--cream-faint);}
image-slot::part(ring){border-color:var(--line-gold);}
image-slot[data-over]::part(frame){outline-color:var(--gold);background:var(--gold-tint);}

/* image-slot unveil (matches the .ph clip-wipe) */
image-slot{transition:clip-path 1.15s cubic-bezier(.66,0,.2,1);}
.reveal:not(.in) image-slot{clip-path:inset(0 0 100% 0);}
.reveal.in image-slot{clip-path:inset(0 0 0 0);}
image-slot.reveal:not(.in){clip-path:inset(0 0 100% 0);}
image-slot.reveal.in{clip-path:inset(0 0 0 0);}

/* monogram avatars — finished look without photos */
.av-mono{width:56px;height:56px;border-radius:50%;flex:0 0 auto;display:flex;align-items:center;
  justify-content:center;font-family:var(--serif);font-weight:600;font-size:19px;color:var(--gold);
  background:var(--bg-4);border:1px solid var(--line-gold);letter-spacing:.02em;}
.tcard .av-mono{width:48px;height:48px;font-size:17px;}

/* recently-recovered proof ticker */
.recoveries{overflow:hidden;position:relative;
  -webkit-mask:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
          mask:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);}
.rec-track{display:flex;gap:18px;width:max-content;animation:scrollx 48s linear infinite;}
.recoveries:hover .rec-track{animation-play-state:paused;}
@keyframes scrollx{to{transform:translateX(-50%);}}
.rec-item{display:flex;align-items:center;gap:16px;background:var(--bg-3);border:1px solid var(--line-2);
  border-radius:8px;padding:16px 24px;white-space:nowrap;flex:0 0 auto;transition:border-color .25s;}
.rec-item:hover{border-color:var(--line-gold);}
.rec-item .ri{width:38px;height:38px;border-radius:50%;background:var(--gold-tint);border:1px solid var(--line-gold);
  color:var(--gold);display:flex;align-items:center;justify-content:center;flex:0 0 auto;}
.rec-item .amt{font-family:var(--serif);font-size:24px;color:var(--gold);font-weight:600;line-height:1;}
.rec-item .meta{font-size:12.5px;color:var(--cream-faint);}
.rec-item .meta b{display:block;color:var(--cream);font-size:14px;font-weight:600;margin-bottom:2px;}
.rec-note{text-align:center;font-size:12.5px;color:var(--cream-faint);margin-top:26px;}

/* floating concierge button */
.fab{position:fixed;right:26px;bottom:26px;z-index:120;display:inline-flex;align-items:center;gap:10px;
  background:var(--gold);color:#1b150c;font-family:var(--sans);font-weight:600;font-size:15px;
  padding:15px 24px;border-radius:40px;cursor:pointer;
  box-shadow:0 12px 34px rgba(0,0,0,.45),0 0 0 1px rgba(217,168,95,.4);
  opacity:0;transform:translateY(22px) scale(.96);pointer-events:none;
  transition:opacity .45s cubic-bezier(.2,.7,.3,1),transform .45s cubic-bezier(.2,.7,.3,1),background .2s;}
.fab.show{opacity:1;transform:none;pointer-events:auto;}
.fab:hover{background:var(--gold-bright);transform:translateY(-3px);}
.fab svg{flex:0 0 auto;}
@media(max-width:560px){.fab{right:14px;bottom:14px;padding:13px 19px;font-size:14px;}}
@media(prefers-reduced-motion:reduce){.fab{transition:opacity .2s;transform:none;}}

/* summit motif divider */
.summit-divider{display:flex;align-items:center;justify-content:center;gap:24px;padding:4px 0;}
.summit-divider .ln{height:1px;width:110px;}
.summit-divider .ln.l{background:linear-gradient(90deg,transparent,var(--line-gold));}
.summit-divider .ln.r{background:linear-gradient(90deg,var(--line-gold),transparent);}
.summit-divider svg{opacity:.85;flex:0 0 auto;}

/* footer "states we serve" — SEO + national reach */
.foot-states{padding:30px 0;border-bottom:1px solid var(--line-2);}
.foot-states h4{font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--cream-faint);margin-bottom:14px;}
.foot-states p{font-size:13.5px;color:var(--cream-faint);line-height:1.9;max-width:none;}
.foot-states p b{color:var(--cream-soft);font-weight:600;}

/* hero cursor spotlight */
.hero-grid{z-index:2;}
.hero-spot{position:absolute;width:540px;height:540px;border-radius:50%;left:50%;top:40%;z-index:1;
  pointer-events:none;transform:translate(-50%,-50%);opacity:0;transition:opacity .5s;
  background:radial-gradient(circle,rgba(217,168,95,.17),transparent 60%);mix-blend-mode:screen;}
.hero:hover .hero-spot{opacity:1;}

/* interactive surplus estimator */
.estimator{display:grid;grid-template-columns:1.05fr .95fr;border:1px solid var(--line);border-radius:12px;
  overflow:hidden;background:var(--bg-3);box-shadow:var(--sh-md);}
.est-controls{padding:46px;border-right:1px solid var(--line-2);}
.est-field{margin-bottom:32px;}
.est-label{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:15px;gap:16px;}
.est-label span{font-size:14.5px;color:var(--cream-soft);font-weight:500;}
.est-label b{font-family:var(--serif);font-size:23px;color:var(--cream);font-weight:600;white-space:nowrap;}
input[type=range].est-range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;
  background:var(--bg);outline:none;cursor:pointer;}
input[type=range].est-range::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;
  background:var(--gold);border:4px solid var(--bg-3);box-shadow:0 2px 10px rgba(0,0,0,.55);cursor:grab;transition:transform .15s,background .15s;}
input[type=range].est-range::-webkit-slider-thumb:hover{background:var(--gold-bright);}
input[type=range].est-range::-webkit-slider-thumb:active{transform:scale(1.14);cursor:grabbing;}
input[type=range].est-range::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--gold);
  border:4px solid var(--bg-3);box-shadow:0 2px 10px rgba(0,0,0,.55);cursor:grab;}
.est-bar{height:14px;border-radius:8px;background:var(--bg);overflow:hidden;position:relative;margin-top:10px;}
.est-bar-fill{position:absolute;right:0;top:0;height:100%;width:0;
  background:linear-gradient(90deg,var(--gold-deep),var(--gold-bright));transition:width .35s cubic-bezier(.2,.7,.3,1);}
.est-barlabels{display:flex;justify-content:space-between;margin-top:11px;font-size:12px;color:var(--cream-faint);letter-spacing:.03em;}
.est-result{padding:46px;display:flex;flex-direction:column;align-items:flex-start;justify-content:center;
  background:linear-gradient(160deg,var(--bg-3),var(--bg-2));}
.est-rlabel{font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;}
.est-amount{font-family:var(--serif);font-size:clamp(48px,6vw,70px);font-weight:600;color:var(--cream);line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums;}
.est-note{font-size:13px;color:var(--cream-faint);margin:18px 0 28px;max-width:30em;}
@media(max-width:760px){
  .estimator{grid-template-columns:1fr;}
  .est-controls{border-right:none;border-bottom:1px solid var(--line-2);padding:34px;}
  .est-result{padding:34px;}
}

/* legal prose (privacy / terms) */
.legal-wrap{max-width:820px;margin:0 auto;}
.legal-meta{color:var(--cream-faint);font-size:14px;margin-bottom:30px;}
.legal-prose h2{font-size:27px;margin:46px 0 14px;}
.legal-prose h3{font-size:19px;margin:28px 0 10px;color:var(--cream);}
.legal-prose p{font-size:16.5px;color:var(--cream-soft);margin-bottom:15px;line-height:1.72;}
.legal-prose ul{padding-left:22px;margin:0 0 16px;}
.legal-prose li{font-size:16.5px;color:var(--cream-soft);margin-bottom:9px;line-height:1.65;}
.legal-prose a{color:var(--gold);}
.legal-prose a:hover{color:var(--gold-bright);}
.legal-note{background:var(--bg-3);border:1px solid var(--line-2);border-left:3px solid var(--gold);
  border-radius:8px;padding:20px 24px;margin:30px 0;font-size:14.5px;color:var(--cream-soft);line-height:1.6;}

/* FAQ live search */
.faq-search{position:relative;margin-bottom:44px;}
.faq-search svg{position:absolute;left:18px;top:50%;transform:translateY(-50%);color:var(--cream-faint);pointer-events:none;}
.faq-search input{width:100%;font-family:var(--sans);font-size:16px;padding:16px 18px 16px 50px;
  border:1px solid var(--line);border-radius:10px;background:var(--bg-3);color:var(--cream);transition:.2s;}
.faq-search input::placeholder{color:var(--cream-faint);}
.faq-search input:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-tint);}
.faq-none{display:none;text-align:center;color:var(--cream-soft);font-size:16px;padding:30px 0;}
.faq-none b{color:var(--cream);}

/* national reach — state chips */
.states-grid{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;max-width:920px;margin:0 auto;}
.state-chip{font-size:14px;color:var(--cream-soft);background:var(--bg-3);border:1px solid var(--line-2);
  border-radius:30px;padding:9px 18px;transition:transform .2s,border-color .2s,color .2s;cursor:default;}
.state-chip:hover{border-color:var(--line-gold);color:var(--gold);transform:translateY(-2px);}

/* 404 */
.notfound{min-height:64vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:80px 0;position:relative;overflow:hidden;}
.notfound::before{content:"";position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
  width:700px;height:500px;background:radial-gradient(ellipse,var(--gold-tint),transparent 65%);pointer-events:none;}
.notfound .inner{position:relative;max-width:560px;}
.notfound .big{font-family:var(--serif);font-size:clamp(90px,16vw,160px);font-weight:600;color:var(--gold);line-height:.9;letter-spacing:-.03em;}
.notfound h1{font-size:clamp(28px,3.4vw,40px);margin:18px 0 16px;}
.notfound p{font-size:18px;color:var(--cream-soft);margin-bottom:30px;}

/* sticky-header anchor offset + skip-to-content link */
[id]{scroll-margin-top:100px;}
.skip{position:fixed;top:-70px;left:16px;z-index:300;background:var(--gold);color:#1b150c;font-weight:600;
  font-family:var(--sans);font-size:14px;padding:11px 20px;border-radius:6px;transition:top .25s cubic-bezier(.2,.7,.3,1);
  box-shadow:0 8px 24px rgba(0,0,0,.4);}
.skip:focus{top:14px;outline:none;}

/* hero scroll cue */
.scroll-cue{position:absolute;left:50%;bottom:20px;transform:translateX(-50%);z-index:3;
  display:flex;flex-direction:column;align-items:center;gap:9px;color:var(--cream-faint);
  font-size:10.5px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;transition:color .2s;}
.scroll-cue:hover{color:var(--gold);}
.scroll-cue svg{color:var(--gold);animation:cuebob 1.9s ease-in-out infinite;}
@keyframes cuebob{0%,100%{transform:translateY(0);opacity:.55;}50%{transform:translateY(6px);opacity:1;}}
@media(max-width:980px){.scroll-cue{display:none;}}
@media(prefers-reduced-motion:reduce){.scroll-cue svg{animation:none;}}

/* ============================================================
   MOBILE REFINEMENTS  (last block — intentionally overrides above)
   ============================================================ */
@media(max-width:820px){
  /* Header: just logo + hamburger. The CTA lives inside the menu. */
  .nav{height:68px;}
  .nav-cta{display:none;}
  .burger{display:flex;}
  .logo-txt{font-size:19px;}
  .mark{width:32px;height:29px;}
  /* Announcement bar: tidy single strip */
  .topbar .wrap{height:auto;min-height:38px;padding-top:8px;padding-bottom:8px;}
  .topbar{font-size:12px;line-height:1.4;}
}

@media(max-width:680px){
  /* Tighter vertical rhythm so the page isn't an endless scroll */
  section.block{padding:60px 0;}
  .sec-head{margin-bottom:40px;}
  .hero{padding:44px 0 52px;}
  .page-hero{padding:52px 0 44px;}
  .wrap,.wrap-mid,.wrap-sm{padding:0 22px;}

  /* Full-width, thumb-friendly buttons */
  .hero-actions,.cta-actions{flex-direction:column;align-items:stretch;width:100%;gap:12px;}
  .hero-actions .btn,.cta-actions .btn{width:100%;justify-content:center;}
  .btn-lg{padding:16px 24px;}

  /* Hero figure: scale the floating badges so they don't overwhelm the photo */
  .hero-photo{aspect-ratio:4/4.2;}
  .float-card{left:10px;bottom:14px;padding:15px 17px;max-width:200px;border-radius:4px;}
  .float-card b{font-size:27px;}
  .float-card .lbl{font-size:10px;margin-bottom:5px;}
  .float-card small{font-size:12px;margin-top:5px;}
  .seal{width:74px;height:74px;right:12px;top:14px;}
  .seal .sealnum{font-size:19px;}
  .seal small{font-size:7.5px;}

  /* Credibility marks: even, centered grid instead of a cramped row */
  .cred .wrap{flex-direction:column;gap:18px;}
  .cred-marks{justify-content:center;gap:14px 22px;}
  .cred-mark{font-size:13.5px;}

  /* Stat strip reads better one-per-row with a divider */
  .stat{padding:30px 24px;text-align:center;}

  /* Comparison + promise: comfortable padding */
  .diff-col{padding:30px 26px;}
  .promise li{gap:15px;padding:20px 0;}
  .promise li .pico{width:40px;height:40px;}

  /* FAQ answer shouldn't carry a big right gutter on phones */
  .faq-item .ans{padding-right:8px;}
  .faq-item summary{font-size:19px;gap:18px;}

  /* Recoveries ticker: a touch smaller */
  .rec-item{padding:13px 18px;}
  .rec-item .amt{font-size:21px;}

  /* Forms: comfortable single column */
  .form-card{padding:28px 22px;}

  /* Footer: simpler stack */
  .foot-grid{grid-template-columns:1fr;gap:32px;text-align:left;}
  .foot-bot{flex-direction:column;align-items:flex-start;gap:14px;}

  /* Floating concierge pill: don't crowd the corner */
  .fab{right:14px;bottom:14px;}
}

@media(max-width:400px){
  .wrap,.wrap-mid,.wrap-sm{padding:0 18px;}
  .hero h1{font-size:38px;}
  .seal{display:none;} /* avoid overlap on the narrowest screens */
}