/* ============================================================
   STRATA INSURANCE: shared site stylesheet
   Single source of truth for homepage and all internal pages.
   ============================================================ */

:root {
  /* Brand palette: black + gold primary, blue retained as tertiary accent.
     Legacy token names kept (--strata-navy etc.) to avoid a 150-site rename;
     values now resolve to a black scale. Rename in a follow-up pass. */
  --strata-navy:       #1A1A1A;  /* near-black: text, btn-ghost border, structural dark */
  --strata-navy-deep:  #000000;  /* true black: hero / homepage body / footer backgrounds */
  --strata-blue:       #0088CC;  /* tertiary accent: links, focus rings, "Managers" card */
  --strata-sky:        #5CB8E8;  /* lighter blue: eyebrows on dark sections */
  --strata-gold:       #F4C32E;  /* primary brand colour */
  --strata-gold-dark:  #D9A914;  /* gold hover */
  --charcoal:          #1A1A1A;  /* body text, neutral (was blue-tinted) */
  --charcoal-soft:     #5A5A5A;  /* secondary text, neutral mid-grey */
  --snow:              #FAFAFA;  /* light bg (was blue-tinted) */
  --snow-warm:         #F3F3F3;
  --line:              #E5E5E5;  /* divider line, neutral */
  --white:             #FFFFFF;

  --font-display: 'Plus Jakarta Sans', system-ui, sans-serif;
  --font-body:    'Source Sans 3', system-ui, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--charcoal);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body.homepage { background: var(--strata-navy-deep); }

a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }

.container {
  width: 100%;
  max-width: 1380px;
  margin: 0 auto;
  padding: 0 40px;
}

.container--narrow {
  max-width: 980px;
}


/* ============================================================
   HEADER: scroll-transitioning nav
   ============================================================ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: transparent;
  transition: background .18s ease, box-shadow .35s ease;
}
.site-header.scrolled,
.site-header.is-static {
  background: #FFFFFF;
  box-shadow: 0 1px 0 rgba(0, 0, 0, .06), 0 8px 24px rgba(0, 0, 0, .06);
}

.h-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  gap: 32px;
  transition: height .35s ease;
}
.site-header.scrolled .h-bar,
.site-header.is-static .h-bar { height: 68px; }

.brand {
  display: inline-flex;
  align-items: center;
  position: relative;
  height: 44px;
}

.brand__logo {
  display: block;
  height: 100%;
  width: auto;
  transition: opacity .22s ease;
}

.brand__logo--white { opacity: 1; }

.brand__logo--color {
  position: absolute;
  top: 0;
  left: 0;
  opacity: 0;
  transition: opacity .22s ease .14s;
}

.site-header.scrolled .brand__logo--white,
.site-header.is-static .brand__logo--white { opacity: 0; }
.site-header.scrolled .brand__logo--color,
.site-header.is-static .brand__logo--color { opacity: 1; }

.nav {
  display: flex;
  align-items: center;
  gap: 36px;
}
.nav a {
  font-family: var(--font-display);
  font-size: 14.5px;
  font-weight: 500;
  letter-spacing: 0.01em;
  color: rgba(255, 255, 255, .82);
  transition: color .25s ease;
}
.nav a:hover { color: var(--white); }
.site-header.scrolled .nav a,
.site-header.is-static .nav a { color: var(--charcoal-soft); }
.site-header.scrolled .nav a:hover,
.site-header.is-static .nav a:hover { color: var(--strata-navy); }

.btn-quote {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 22px;
  border-radius: 6px;
  font-family: var(--font-display);
  font-size: 14.5px;
  font-weight: 600;
  letter-spacing: 0.01em;
  background: var(--strata-gold);
  color: var(--strata-navy);
  transition: all .25s ease;
  white-space: nowrap;
}
.btn-quote:hover {
  background: var(--strata-gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(244, 195, 46, .35);
}
.btn-quote .arrow { transition: transform .2s; }
.btn-quote:hover .arrow { transform: translateX(3px); }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  cursor: pointer;
  padding: 8px;
}
.nav-toggle svg { width: 24px; height: 24px; }
.site-header.scrolled .nav-toggle,
.site-header.is-static .nav-toggle { color: var(--strata-navy); }


/* ============================================================
   HOMEPAGE HERO (video background, full-bleed)
   ============================================================ */
.hero {
  position: relative;
  background: var(--strata-navy-deep);
  color: var(--white);
  overflow: hidden;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  padding-top: 80px;
}

.hero__video {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  width: 100%;
  height: 100vh;
  min-width: 100%;
  min-height: 100vh;
  max-width: none;
  object-fit: cover;
  object-position: center center;
  display: block;
  z-index: 0;
  opacity: 0.40;
  pointer-events: none;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 65% 55% at 50% 0%, rgba(0, 136, 204, .12), transparent 68%),
    linear-gradient(180deg, rgba(0, 0, 0, .45) 0%, rgba(0, 0, 0, .55) 100%);
  z-index: 1;
}

.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, .015) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .015) 1px, transparent 1px);
  background-size: 80px 80px;
  z-index: 2;
  mask-image: radial-gradient(ellipse 75% 65% at 50% 45%, black 35%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse 75% 65% at 50% 45%, black 35%, transparent 80%);
}

.hero__inner {
  position: relative;
  z-index: 3;
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 100px 0 60px;
}

.hero__main {
  max-width: 1080px;
  margin: 0 auto;
  text-align: center;
}

.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 18px;
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--strata-sky);
  margin-bottom: 36px;
}
.hero__eyebrow::before,
.hero__eyebrow::after {
  content: '';
  width: 24px;
  height: 24px;
  background-image:
    linear-gradient(var(--strata-gold), var(--strata-gold)),
    linear-gradient(rgba(92, 184, 232, .5), rgba(92, 184, 232, .5)),
    linear-gradient(rgba(255, 255, 255, .15), rgba(255, 255, 255, .15));
  background-size: 100% 3px, 100% 3px, 100% 3px;
  background-position: 0 0, 0 50%, 0 100%;
  background-repeat: no-repeat;
}

.hero__headline {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(42px, 5vw, 72px);
  line-height: 1.08;
  letter-spacing: -0.03em;
  color: var(--white);
  margin-bottom: 32px;
  text-wrap: balance;
}

.hero__headline em {
  font-style: normal;
  color: var(--strata-gold);
}

.hero__lede {
  font-size: 21px;
  line-height: 1.6;
  color: rgba(255, 255, 255, .72);
  max-width: 62ch;
  margin: 0 auto 48px;
  text-wrap: balance;
}

.hero__audiences {
  display: flex;
  align-items: stretch;
  justify-content: center;
  gap: 24px;
  margin-bottom: 72px;
  flex-wrap: wrap;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

.hero__audience-card {
  flex: 1;
  min-width: 280px;
  max-width: 420px;
  background: rgba(0, 0, 0, .5);
  border: 1px solid rgba(255, 255, 255, .08);
  border-radius: 10px;
  padding: 40px 36px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  transition: all .3s ease;
  position: relative;
  overflow: hidden;
}

.hero__audience-card::before {
  content: '';
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity .3s ease;
  pointer-events: none;
}

.hero__audience-card--schemes { border-color: rgba(244, 195, 46, .2); }
.hero__audience-card--schemes::before {
  background: radial-gradient(ellipse 80% 70% at 50% 30%, rgba(244, 195, 46, .12), transparent 65%);
}
.hero__audience-card--schemes:hover {
  border-color: rgba(244, 195, 46, .4);
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(244, 195, 46, .15);
}
.hero__audience-card--schemes:hover::before { opacity: 1; }

.hero__audience-card--managers { border-color: rgba(92, 184, 232, .18); }
.hero__audience-card--managers::before {
  background: radial-gradient(ellipse 80% 70% at 50% 30%, rgba(92, 184, 232, .1), transparent 65%);
}
.hero__audience-card--managers:hover {
  border-color: rgba(92, 184, 232, .35);
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(92, 184, 232, .12);
}
.hero__audience-card--managers:hover::before { opacity: 1; }

.hero__audience-card > * { position: relative; z-index: 1; }

.hero__audience-label {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  gap: 12px;
}
.hero__audience-card--schemes .hero__audience-label { color: var(--strata-gold); }
.hero__audience-card--managers .hero__audience-label { color: var(--strata-sky); }

.hero__audience-label::before {
  content: '';
  width: 20px;
  height: 20px;
  background-image:
    linear-gradient(currentColor, currentColor),
    linear-gradient(currentColor, currentColor),
    linear-gradient(currentColor, currentColor);
  background-size: 100% 2px, 100% 2px, 100% 2px;
  background-position: 0 0, 0 50%, 0 100%;
  background-repeat: no-repeat;
  opacity: .8;
}

.hero__audience-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(24px, 2.8vw, 34px);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--white);
}

.hero__audience-desc {
  font-size: 16px;
  line-height: 1.6;
  color: rgba(255, 255, 255, .65);
}

.hero__audience-link {
  font-family: var(--font-display);
  font-size: 15.5px;
  font-weight: 600;
  letter-spacing: 0.01em;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-top: auto;
  padding-top: 8px;
  transition: gap .2s ease;
}
.hero__audience-card--schemes .hero__audience-link { color: var(--strata-gold); }
.hero__audience-card--managers .hero__audience-link { color: var(--strata-sky); }
.hero__audience-link:hover { gap: 16px; }

.hero__proof {
  border-top: 1px solid rgba(255, 255, 255, .08);
  padding: 48px 0 0;
  margin-top: 24px;
}

.hero__proof-header {
  text-align: center;
  margin-bottom: 32px;
}

.hero__proof-label {
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .5);
  margin-bottom: 12px;
  display: inline-flex;
  align-items: center;
  gap: 12px;
}
.hero__proof-label::before {
  content: '';
  width: 16px;
  height: 16px;
  background-image:
    linear-gradient(rgba(244, 195, 46, .4), rgba(244, 195, 46, .4)),
    linear-gradient(rgba(92, 184, 232, .3), rgba(92, 184, 232, .3)),
    linear-gradient(rgba(255, 255, 255, .15), rgba(255, 255, 255, .15));
  background-size: 100% 2px, 100% 2px, 100% 2px;
  background-position: 0 0, 0 50%, 0 100%;
  background-repeat: no-repeat;
}

.hero__proof-title {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 18px;
  letter-spacing: -0.01em;
  color: rgba(255, 255, 255, .85);
}

.hero__carriers {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
  gap: 16px;
  max-width: 1100px;
  margin: 0 auto;
}

.hero__carrier {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 24px 12px;
  background: rgba(0, 0, 0, .4);
  border: 1px solid rgba(255, 255, 255, .06);
  border-radius: 6px;
  transition: all .25s ease;
  min-height: 100px;
}

.hero__carrier:hover {
  background: rgba(0, 136, 204, .08);
  border-color: rgba(92, 184, 232, .2);
  transform: translateY(-2px);
}

.hero__carrier-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(16px, 1.8vw, 22px);
  line-height: 1;
  letter-spacing: -0.015em;
  color: var(--white);
  text-align: center;
}

.hero__footer {
  position: relative;
  z-index: 3;
  border-top: 1px solid rgba(255, 255, 255, .08);
  padding: 28px 0;
  margin-top: 64px;
  background: rgba(0, 0, 0, .35);
}

.hero__credentials {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  font-family: var(--font-display);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .5);
}

.hero__credentials-afsl {
  color: var(--strata-gold);
  font-weight: 700;
}

.hero__credentials-list {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.hero__credentials-list span { position: relative; }
.hero__credentials-list span:not(:last-child)::after {
  content: '·';
  position: absolute;
  right: -14px;
  color: rgba(255, 255, 255, .3);
}


/* ============================================================
   INTERNAL PAGE HERO (no video, navy background, title + lede)
   ============================================================ */
.page-hero {
  position: relative;
  background: var(--strata-navy-deep);
  color: var(--white);
  padding: 180px 0 96px;
  overflow: hidden;
  border-bottom: 1px solid rgba(255, 255, 255, .06);
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 55% 50% at 85% 15%, rgba(0, 136, 204, .25), transparent 70%),
    radial-gradient(ellipse 45% 40% at 10% 90%, rgba(92, 184, 232, .14), transparent 70%),
    linear-gradient(180deg, rgba(0, 0, 0, .55) 0%, rgba(0, 0, 0, .35) 100%);
  z-index: 0;
}
.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, .02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .02) 1px, transparent 1px);
  background-size: 72px 72px;
  z-index: 1;
  mask-image: radial-gradient(ellipse 80% 70% at 50% 50%, black 30%, transparent 85%);
  -webkit-mask-image: radial-gradient(ellipse 80% 70% at 50% 50%, black 30%, transparent 85%);
  opacity: .6;
}
.page-hero__inner {
  position: relative;
  z-index: 2;
  max-width: 820px;
}
.page-hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--strata-sky);
  margin-bottom: 24px;
}
.page-hero__eyebrow::before,
.page-hero__eyebrow::after {
  content: '';
  width: 24px;
  height: 24px;
  background-image:
    linear-gradient(var(--strata-gold), var(--strata-gold)),
    linear-gradient(rgba(92, 184, 232, .55), rgba(92, 184, 232, .55)),
    linear-gradient(rgba(255, 255, 255, .15), rgba(255, 255, 255, .15));
  background-size: 100% 3px, 100% 3px, 100% 3px;
  background-position: 0 0, 0 50%, 0 100%;
  background-repeat: no-repeat;
}
.page-hero__eyebrow-num {
  color: var(--strata-gold);
  font-weight: 800;
  margin-right: 4px;
  letter-spacing: 0.16em;
}
.page-hero__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(38px, 5vw, 64px);
  line-height: 1.06;
  letter-spacing: -0.025em;
  color: var(--white);
  margin-bottom: 22px;
  text-wrap: balance;
}
.page-hero__title em {
  font-style: normal;
  color: var(--strata-gold);
}
.page-hero__lede {
  font-size: 19px;
  line-height: 1.6;
  color: rgba(255, 255, 255, .76);
  max-width: 62ch;
  text-wrap: balance;
}


/* ============================================================
   SHARED: section scaffolding + buttons
   ============================================================ */
.section__head {
  max-width: 740px;
  margin: 0 auto 56px;
  text-align: center;
}
.section__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  font-family: var(--font-display);
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--strata-blue);
  margin-bottom: 22px;
}
.section__eyebrow::before,
.section__eyebrow::after {
  content: '';
  width: 24px;
  height: 24px;
  background-image:
    linear-gradient(var(--strata-gold), var(--strata-gold)),
    linear-gradient(var(--strata-blue), var(--strata-blue)),
    linear-gradient(rgba(0, 0, 0, .25), rgba(0, 0, 0, .25));
  background-size: 100% 3px, 100% 3px, 100% 3px;
  background-position: 0 0, 0 50%, 0 100%;
  background-repeat: no-repeat;
}
.section__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(30px, 3.8vw, 44px);
  line-height: 1.12;
  letter-spacing: -0.02em;
  color: var(--strata-navy);
  margin-bottom: 18px;
  text-wrap: balance;
}
.section__lede {
  font-size: 19px;
  line-height: 1.6;
  color: var(--charcoal-soft);
  text-wrap: balance;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 24px;
  border-radius: 6px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 14.5px;
  letter-spacing: 0.01em;
  transition: all .2s ease;
  border: none;
  white-space: nowrap;
  cursor: pointer;
  text-decoration: none;
}
.btn--gold { background: var(--strata-gold); color: var(--strata-navy); }
.btn--gold:hover {
  background: var(--strata-gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(244, 195, 46, .35);
}
.btn--ghost {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, .3);
}
.btn--ghost:hover {
  background: rgba(255, 255, 255, .08);
  border-color: rgba(255, 255, 255, .55);
  color: var(--white);
}
.btn--outline {
  background: transparent;
  color: var(--strata-navy);
  border: 1.5px solid var(--strata-navy);
}
.btn--outline:hover {
  background: var(--strata-navy);
  color: var(--white);
}
.btn .arrow { transition: transform .2s; }
.btn:hover .arrow { transform: translateX(3px); }


/* ============================================================
   ACTIONS: Quote / Claim / Certificate of Currency / Contact
   ============================================================ */
.actions {
  background: var(--snow);
  padding: 84px 0 96px;
}
.actions__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: 0 10px 30px rgba(0, 0, 0, .10), 0 30px 80px rgba(0, 0, 0, .06);
}
.action {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 36px 32px;
  border-right: 1px solid var(--line);
  text-decoration: none;
  transition: background .2s, transform .2s;
  color: var(--charcoal);
}
.action:last-child { border-right: none; }
.action:hover { background: var(--snow); transform: translateY(-2px); }
.action__icon {
  width: 32px;
  height: 32px;
  color: var(--strata-blue);
  margin-bottom: 12px;
}
.action__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  color: var(--strata-navy);
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 4px;
}
.action__title .arrow {
  opacity: 0;
  transform: translateX(-4px);
  transition: all .2s;
  color: var(--strata-blue);
}
.action:hover .action__title .arrow {
  opacity: 1;
  transform: translateX(0);
}
.action__sub {
  font-size: 14px;
  color: var(--charcoal-soft);
  line-height: 1.45;
}


/* ============================================================
   EDITORIAL: section-head numbering + alignment overrides
   ============================================================ */
.section__head--editorial {
  text-align: left;
  margin: 0 0 64px;
  max-width: 760px;
}
.section__eyebrow-num {
  color: var(--strata-gold);
  font-weight: 800;
  margin-right: 4px;
  letter-spacing: 0.16em;
}


/* ============================================================
   POSITION (stratified layers, editorial register)
   ============================================================ */
.position {
  background: var(--white);
  padding: 110px 0;
}
.strata {
  border-top: 1px solid var(--line);
}
.stratum {
  display: grid;
  grid-template-columns: 140px 1fr 60px;
  gap: 48px;
  align-items: start;
  padding: 56px 0;
  border-bottom: 1px solid var(--line);
  position: relative;
  transition: background .3s ease;
}
.stratum::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--strata-gold);
  transition: width .55s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.stratum:hover { background: var(--snow); }
.stratum:hover::before { width: 100%; }
.stratum__num {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(56px, 7vw, 92px);
  line-height: 1;
  color: var(--strata-navy);
  letter-spacing: -0.04em;
  font-feature-settings: 'tnum';
}
.stratum__num::after {
  content: '.';
  color: var(--strata-gold);
}
.stratum__body { padding-top: 10px; }
.stratum__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(22px, 2.2vw, 28px);
  line-height: 1.2;
  color: var(--strata-navy);
  margin-bottom: 14px;
  letter-spacing: -0.02em;
}
.stratum__copy {
  font-size: 17px;
  line-height: 1.7;
  color: var(--charcoal-soft);
  max-width: 60ch;
}
.stratum__mark {
  width: 32px;
  height: 24px;
  display: block;
  background-image:
    linear-gradient(var(--strata-gold), var(--strata-gold)),
    linear-gradient(var(--strata-blue), var(--strata-blue)),
    linear-gradient(rgba(0, 0, 0, .22), rgba(0, 0, 0, .22));
  background-size: 100% 2.5px, 100% 2.5px, 100% 2.5px;
  background-position: 0 0, 0 50%, 0 100%;
  background-repeat: no-repeat;
  margin: 22px 0 0 auto;
  opacity: .55;
}


/* ============================================================
   SOLUTIONS (editorial table, position-paper register)
   ============================================================ */
.solutions {
  background: var(--snow);
  padding: 110px 0;
  border-top: 1px solid var(--line);
}
.solutions__table {
  border-top: 1px solid var(--line);
}
.solution-row {
  display: grid;
  grid-template-columns: 110px 1.2fr 1.6fr 170px;
  gap: 36px;
  align-items: start;
  padding: 46px 0;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
  color: var(--charcoal);
  transition: background .25s ease;
  position: relative;
}
.solution-row::before {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--strata-gold);
  transition: width .55s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.solution-row:hover { background: var(--white); }
.solution-row:hover::before { width: 100%; }
.solution-row__num {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(40px, 4.2vw, 56px);
  line-height: 1;
  color: var(--strata-navy);
  letter-spacing: -0.03em;
  font-feature-settings: 'tnum';
}
.solution-row__num::after {
  content: '.';
  color: var(--strata-gold);
}
.solution-row__head { padding-top: 10px; }
.solution-row__sub {
  font-family: var(--font-display);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--strata-blue);
  margin-bottom: 8px;
}
.solution-row__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 22px;
  color: var(--strata-navy);
  letter-spacing: -0.01em;
  line-height: 1.2;
}
.solution-row__copy {
  font-size: 15.5px;
  line-height: 1.65;
  color: var(--charcoal-soft);
  padding-top: 14px;
}
.solution-row__cta {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 14px;
  color: var(--strata-blue);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding-top: 22px;
  letter-spacing: 0.01em;
  transition: gap .2s;
  justify-self: end;
}
.solution-row:hover .solution-row__cta { gap: 14px; }


/* ============================================================
   PROSE (long-form content body)
   For About, Audience, Solution-detail, Essential Information,
   Resources, Terms, Privacy pages.
   ============================================================ */
.prose-section {
  padding: 96px 0;
  background: var(--white);
}
.prose-section--snow { background: var(--snow); }
.prose-section + .prose-section { border-top: 1px solid var(--line); }

.prose {
  max-width: 760px;
  font-size: 17px;
  line-height: 1.75;
  color: var(--charcoal-soft);
}
.prose--centred { margin: 0 auto; }

.prose h2 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(28px, 3.2vw, 38px);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--strata-navy);
  margin: 0 0 24px;
  text-wrap: balance;
}
.prose h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(22px, 2vw, 26px);
  line-height: 1.2;
  letter-spacing: -0.015em;
  color: var(--strata-navy);
  margin: 48px 0 16px;
}
.prose h4 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
  letter-spacing: -0.005em;
  color: var(--strata-navy);
  margin: 36px 0 12px;
}
.prose p { margin: 0 0 20px; }
.prose p:last-child { margin-bottom: 0; }

.prose ul, .prose ol {
  margin: 0 0 24px;
  padding-left: 28px;
}
.prose li {
  margin-bottom: 10px;
}
.prose ul li::marker {
  color: var(--strata-gold);
}
.prose ol li::marker {
  color: var(--strata-blue);
  font-family: var(--font-display);
  font-weight: 700;
}

.prose strong {
  color: var(--strata-navy);
  font-weight: 700;
}
.prose a {
  color: var(--strata-blue);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
  transition: color .2s;
}
.prose a:hover { color: var(--strata-navy); }

.prose blockquote {
  border-left: 3px solid var(--strata-gold);
  padding: 8px 0 8px 28px;
  margin: 32px 0;
  font-style: normal;
  font-size: 19px;
  line-height: 1.55;
  color: var(--strata-navy);
  font-family: var(--font-display);
  font-weight: 500;
}

.prose-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  font-family: var(--font-display);
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--strata-blue);
  margin-bottom: 20px;
}
.prose-eyebrow::before {
  content: '';
  width: 24px;
  height: 24px;
  background-image:
    linear-gradient(var(--strata-gold), var(--strata-gold)),
    linear-gradient(var(--strata-blue), var(--strata-blue)),
    linear-gradient(rgba(0, 0, 0, .25), rgba(0, 0, 0, .25));
  background-size: 100% 3px, 100% 3px, 100% 3px;
  background-position: 0 0, 0 50%, 0 100%;
  background-repeat: no-repeat;
}

.prose-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 80px;
  align-items: start;
  max-width: 1180px;
}
.prose-grid__aside {
  position: sticky;
  top: 100px;
}
.prose-grid__aside-tag {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 13px;
  letter-spacing: 0.18em;
  color: var(--strata-gold);
  margin-bottom: 14px;
  text-transform: uppercase;
}
.prose-grid__aside-tag::before {
  content: '— ';
  display: none;
}
.prose-grid__aside h2 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(28px, 3.4vw, 38px);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--strata-navy);
  margin: 0;
  text-wrap: balance;
}


/* ============================================================
   FACT BLOCKS (used on About page for key numbers)
   ============================================================ */
.fact-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.fact {
  padding: 36px 28px;
  border-right: 1px solid var(--line);
}
.fact:last-child { border-right: none; }
.fact__value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(36px, 4vw, 48px);
  line-height: 1;
  letter-spacing: -0.025em;
  color: var(--strata-navy);
  margin-bottom: 10px;
}
.fact__value sup {
  font-size: 0.55em;
  font-weight: 700;
  color: var(--strata-gold);
  vertical-align: super;
  margin-left: 2px;
}
.fact__label {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--charcoal-soft);
}


/* ============================================================
   FORMS (request-a-quote, make-a-claim, certificate-of-currency,
   contact)
   ============================================================ */
.form-section {
  padding: 96px 0 120px;
  background: var(--snow);
}
.form-wrap {
  max-width: 760px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 48px 52px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, .08);
}
.form-intro {
  margin-bottom: 36px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--line);
}
.form-intro h2 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 24px;
  color: var(--strata-navy);
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}
.form-intro p {
  font-size: 15.5px;
  color: var(--charcoal-soft);
  line-height: 1.6;
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px 24px;
}
.form-field { display: flex; flex-direction: column; }
.form-field--full { grid-column: 1 / -1; }
.form-field label {
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 600;
  color: var(--strata-navy);
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}
.form-field label .required {
  color: var(--strata-gold);
  margin-left: 2px;
}
.form-field input[type="text"],
.form-field input[type="email"],
.form-field input[type="tel"],
.form-field input[type="number"],
.form-field input[type="date"],
.form-field select,
.form-field textarea {
  font-family: var(--font-body);
  font-size: 15.5px;
  color: var(--charcoal);
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
  width: 100%;
}
.form-field textarea {
  min-height: 140px;
  resize: vertical;
  font-family: var(--font-body);
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--strata-blue);
  box-shadow: 0 0 0 3px rgba(0, 136, 204, .12);
}
.form-field__hint {
  font-size: 13px;
  color: var(--charcoal-soft);
  margin-top: 6px;
  line-height: 1.45;
}
.form-fieldset {
  grid-column: 1 / -1;
  padding-top: 14px;
  margin-top: 14px;
  border-top: 1px solid var(--line);
}
.form-fieldset legend {
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--strata-gold);
  margin-bottom: 14px;
  padding: 0;
}
.form-check {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 14.5px;
  color: var(--charcoal-soft);
  line-height: 1.55;
  margin-bottom: 10px;
}
.form-check input[type="checkbox"],
.form-check input[type="radio"] {
  margin-top: 4px;
  flex-shrink: 0;
  accent-color: var(--strata-blue);
}
.form-actions {
  margin-top: 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.form-actions__note {
  font-size: 13px;
  color: var(--charcoal-soft);
  line-height: 1.5;
  max-width: 28ch;
}
.form-submit {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 28px;
  background: var(--strata-gold);
  color: var(--strata-navy);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.01em;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  transition: all .2s ease;
}
.form-submit:hover {
  background: var(--strata-gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(244, 195, 46, .35);
}

.cf-turnstile {
  grid-column: 1 / -1;
  margin-top: 8px;
}


/* ============================================================
   CONTACT-GRID (Contact page: details aside + form)
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 60px;
  align-items: start;
}
.contact-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 36px 32px;
  box-shadow: 0 6px 18px rgba(0, 0, 0, .06);
}
.contact-card__group { margin-bottom: 26px; }
.contact-card__group:last-child { margin-bottom: 0; }
.contact-card__label {
  font-family: var(--font-display);
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--strata-gold);
  margin-bottom: 10px;
}
.contact-card__value {
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 600;
  color: var(--strata-navy);
  line-height: 1.4;
}
.contact-card__value a { color: inherit; }
.contact-card__value a:hover { color: var(--strata-blue); }
.contact-card__sub {
  font-size: 14.5px;
  color: var(--charcoal-soft);
  line-height: 1.55;
  margin-top: 6px;
}


/* ============================================================
   FAQ / ACCORDION (Essential Information, Audience pages)
   ============================================================ */
.faq {
  border-top: 1px solid var(--line);
}
.faq__item {
  border-bottom: 1px solid var(--line);
}
.faq__q {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
  color: var(--strata-navy);
  letter-spacing: -0.005em;
  cursor: pointer;
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  list-style: none;
  transition: color .2s;
}
.faq__q::-webkit-details-marker { display: none; }
.faq__q:hover { color: var(--strata-blue); }
.faq__q::after {
  content: '+';
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 22px;
  color: var(--strata-gold);
  transition: transform .3s ease;
  flex-shrink: 0;
}
.faq__item[open] .faq__q::after { transform: rotate(45deg); }
.faq__a {
  padding: 0 60px 28px 0;
  font-size: 16px;
  line-height: 1.7;
  color: var(--charcoal-soft);
}
.faq__a p { margin: 0 0 14px; }
.faq__a p:last-child { margin-bottom: 0; }
.faq__a ul { padding-left: 22px; margin: 0 0 14px; }
.faq__a ul li::marker { color: var(--strata-gold); }


/* ============================================================
   PILLAR LIST (lightweight checklist used on audience pages)
   ============================================================ */
.pillar-list {
  margin: 32px 0;
  border-top: 1px solid var(--line);
}
.pillar-list__item {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--line);
  align-items: start;
}
.pillar-list__num {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 36px;
  line-height: 1;
  color: var(--strata-navy);
  letter-spacing: -0.03em;
}
.pillar-list__num::after {
  content: '.';
  color: var(--strata-gold);
}
.pillar-list__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 19px;
  color: var(--strata-navy);
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}
.pillar-list__copy {
  font-size: 16px;
  line-height: 1.65;
  color: var(--charcoal-soft);
}


/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: var(--strata-navy);
  color: var(--white);
  padding: 92px 0;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 80% 20%, rgba(0, 136, 204, .28), transparent 70%),
    radial-gradient(ellipse 50% 40% at 15% 80%, rgba(92, 184, 232, .14), transparent 70%);
  z-index: 0;
}
.cta-banner__inner {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 820px;
  margin: 0 auto;
}
.cta-banner__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--strata-sky);
  margin-bottom: 22px;
}
.cta-banner__eyebrow::before,
.cta-banner__eyebrow::after {
  content: '';
  width: 24px;
  height: 24px;
  background-image:
    linear-gradient(var(--strata-gold), var(--strata-gold)),
    linear-gradient(rgba(92, 184, 232, .55), rgba(92, 184, 232, .55)),
    linear-gradient(rgba(255, 255, 255, .15), rgba(255, 255, 255, .15));
  background-size: 100% 3px, 100% 3px, 100% 3px;
  background-position: 0 0, 0 50%, 0 100%;
  background-repeat: no-repeat;
}
.cta-banner__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--white);
  margin-bottom: 20px;
  text-wrap: balance;
}
.cta-banner__lede {
  font-size: 18px;
  line-height: 1.6;
  color: rgba(255, 255, 255, .78);
  margin-bottom: 36px;
  text-wrap: balance;
}
.cta-banner__buttons {
  display: inline-flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
}


/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--strata-navy-deep);
  color: rgba(255, 255, 255, .7);
  padding: 72px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 56px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}
.footer-brand__logo {
  height: 44px;
  width: auto;
  margin-bottom: 22px;
  display: block;
}
.footer-brand p {
  font-size: 14.5px;
  line-height: 1.6;
  color: rgba(255, 255, 255, .55);
  max-width: 36ch;
}
.footer-col h4 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 12.5px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--strata-gold);
  margin-bottom: 22px;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 11px; }
.footer-col a {
  color: rgba(255, 255, 255, .65);
  font-size: 14.5px;
  text-decoration: none;
  transition: color .2s;
}
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  padding: 28px 0;
  font-size: 13px;
  color: rgba(255, 255, 255, .45);
}
.footer-bottom a {
  color: rgba(255, 255, 255, .7);
  text-decoration: none;
  transition: color .2s;
}
.footer-bottom a:hover { color: var(--white); }
.footer-legal {
  display: flex;
  gap: 22px;
}
.footer-legal a {
  color: rgba(255, 255, 255, .5);
  font-size: 13px;
  transition: color .2s;
}
.footer-legal a:hover { color: var(--strata-gold); }


/* ============================================================
   MOBILE NAV (open state)
   ============================================================ */
.nav-open .nav {
  display: flex;
  position: absolute;
  top: 80px;
  left: 0;
  right: 0;
  flex-direction: column;
  background: var(--white);
  padding: 24px;
  gap: 0;
  border-bottom: 1px solid var(--line);
  box-shadow: 0 8px 24px rgba(0, 0, 0, .08);
}
.nav-open .nav a {
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
  width: 100%;
  color: var(--charcoal-soft);
}
.nav-open .nav a:last-child { border-bottom: none; }


/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1200px) {
  .hero__carriers { grid-template-columns: repeat(4, 1fr); }
}

@media (max-width: 1024px) {
  .nav { display: none; }
  .nav-toggle { display: block; }
  .h-bar { gap: 16px; }
  .container { padding: 0 32px; }

  .page-hero { padding: 140px 0 72px; }

  .actions__grid { grid-template-columns: repeat(2, 1fr); }
  .action:nth-child(2) { border-right: none; }
  .action:nth-child(1), .action:nth-child(2) { border-bottom: 1px solid var(--line); }

  .stratum { grid-template-columns: 100px 1fr 40px; gap: 32px; padding: 44px 0; }
  .stratum__num { font-size: clamp(48px, 8vw, 72px); }

  .solution-row { grid-template-columns: 80px 1fr 1.4fr 130px; gap: 24px; padding: 40px 0; }
  .solution-row__num { font-size: clamp(36px, 5vw, 48px); }

  .prose-grid { grid-template-columns: 1fr; gap: 40px; }
  .prose-grid__aside { position: static; }

  .contact-grid { grid-template-columns: 1fr; gap: 36px; }

  .fact-grid { grid-template-columns: repeat(2, 1fr); }
  .fact:nth-child(2) { border-right: none; }
  .fact:nth-child(1), .fact:nth-child(2) { border-bottom: 1px solid var(--line); }

  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px 32px; }
}

@media (max-width: 768px) {
  .hero__audiences { flex-direction: column; max-width: 480px; }
  .hero__audience-card { max-width: none; }
  .hero__carriers { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .hero__carrier { padding: 20px 12px; min-height: 80px; }

  .form-grid { grid-template-columns: 1fr; }
  .form-wrap { padding: 36px 28px; }
}

@media (max-width: 600px) {
  .container { padding: 0 20px; }
  .h-bar { height: 68px; }
  .site-header.scrolled .h-bar,
  .site-header.is-static .h-bar { height: 60px; }
  .hero { padding-top: 68px; }
  .page-hero { padding: 120px 0 60px; }

  .hero__inner { padding: 72px 0 40px; }
  .hero__headline { font-size: 36px; }
  .hero__lede { font-size: 18px; }
  .hero__audience-card { padding: 32px 28px; }
  .hero__credentials { flex-direction: column; align-items: flex-start; gap: 12px; }
  .hero__credentials-list span::after { display: none; }

  .actions { padding: 56px 0 72px; }
  .actions__grid { grid-template-columns: 1fr; }
  .action { border-right: none; border-bottom: 1px solid var(--line); padding: 28px 24px; }
  .action:last-child { border-bottom: none; }

  .position { padding: 72px 0; }
  .section__head--editorial { margin-bottom: 40px; }

  .stratum {
    grid-template-columns: auto 1fr;
    grid-template-rows: auto auto;
    gap: 8px 20px;
    padding: 36px 0;
  }
  .stratum__num { font-size: 56px; grid-row: 1; grid-column: 1; }
  .stratum__body { padding-top: 14px; grid-row: 2; grid-column: 1 / -1; }
  .stratum__mark { grid-row: 1; grid-column: 2; margin: 28px 0 0 0; align-self: end; justify-self: end; }
  .stratum__title { font-size: 21px; }
  .stratum__copy { font-size: 16px; }

  .solutions { padding: 72px 0; }
  .solution-row {
    grid-template-columns: auto 1fr;
    grid-template-rows: auto auto auto;
    gap: 6px 18px;
    padding: 32px 0;
  }
  .solution-row__num { font-size: 40px; grid-row: 1; grid-column: 1; }
  .solution-row__head { padding-top: 10px; grid-row: 1; grid-column: 2; }
  .solution-row__copy { grid-row: 2; grid-column: 1 / -1; padding-top: 18px; }
  .solution-row__cta { grid-row: 3; grid-column: 1 / -1; padding-top: 14px; justify-self: start; }
  .solution-row__title { font-size: 20px; }

  .prose-section { padding: 64px 0; }
  .prose blockquote { font-size: 17px; padding-left: 20px; }

  .fact-grid { grid-template-columns: 1fr; }
  .fact { border-right: none; border-bottom: 1px solid var(--line); }
  .fact:last-child { border-bottom: none; }

  .form-section { padding: 64px 0 88px; }

  .cta-banner { padding: 64px 0; }

  .footer-grid { grid-template-columns: 1fr; gap: 36px; padding-bottom: 40px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; text-align: left; }
  .footer-legal { gap: 18px; }

  .nav-open .nav { top: 68px; }
}