/*
Theme Name: Independent Financial Solutions
Theme URI: https://insuranceandannuityagents.com
Author: IFS
Description: Custom theme for Independent Financial Solutions, Inc.
Version: 1.0
License: GNU General Public License v2 or later
Text Domain: ifs-theme
*/


  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --navy: #b01030;
    --navy-mid: #c8213d;
    --navy-light: #dc2341;
    --gold: #b01030;
    --gold-light: #fde8ec;
    --gold-pale: #fff5f7;
    --slate: #4a5568;
    --slate-light: #718096;
    --border: #e2e8f0;
    --cream: #f8f9fb;
    --white: #ffffff;
    --font-display: 'Libre Baskerville', Georgia, serif;
    --font-body: 'Inter', system-ui, sans-serif;
  }

  html { scroll-behavior: smooth; }
  body {
    font-family: var(--font-body);
    color: #1a1a1a;
    background: var(--white);
    font-size: 16px;
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
  }

  /* ─── NAV ─── */
  nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    background: #ffffff;
    height: 68px;
    border-bottom: 1.5px solid #e2e8f0;
    display: flex; align-items: center; justify-content: space-between;
    padding: 0 3rem;
    box-shadow: 0 2px 20px rgba(0,0,0,0.18);
  }
  .nav-brand {
    display: flex; align-items: center; gap: 12px;
    text-decoration: none;
  }
  .nav-logo-mark {
    width: 38px; height: 38px; background: #ffffff;
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-display); font-size: 18px; font-weight: 700;
    color: var(--navy); letter-spacing: -0.02em; flex-shrink: 0;
  }
  .nav-brand-text { display: flex; flex-direction: column; }
  .nav-brand-name {
    font-size: 13px; font-weight: 600; letter-spacing: 0.04em;
    color: #1a1a1a; line-height: 1.2;
  }
  .nav-brand-sub {
    font-size: 10px; font-weight: 400; letter-spacing: 0.1em;
    text-transform: uppercase; color: #888888;
  }
  .nav-links { display: flex; gap: 0.25rem; align-items: center; }
  .nav-links a {
    font-size: 13px; font-weight: 400; letter-spacing: 0.02em;
    color: #555555;
    text-decoration: none; padding: 8px 14px;
    border-radius: 4px;
    transition: color 0.2s, background 0.2s;
  }
  .nav-links a:hover, .nav-links a.active {
    color: #1a1a1a; background: rgba(0,0,0,0.06);
  }
  .nav-cta {
    background: var(--navy) !important; color: #ffffff !important;
    font-weight: 600 !important; padding: 9px 20px !important;
    border-radius: 4px !important;
  }
  .nav-cta:hover { background: var(--navy-mid) !important; }
  .nav-phone {
    font-size: 12px; color: var(--navy);
    letter-spacing: 0.04em; font-weight: 500;
    margin-right: 0.5rem; text-decoration: none;
  }
  .nav-phone:hover { text-decoration: underline; }

  /* ─── PAGE SYSTEM ─── */
  .page { display: block; padding-top: 68px; min-height: 100vh; }

  /* ─── HOME ─── */
  .hero {
    padding: 5rem 3rem 4.5rem;
    position: relative; overflow: hidden;
    background: #7a0010;
  }
  /* Photo background */
  .hero::before {
    content: '';
    position: absolute; inset: 0;
    background-image: var(--hero-image-url);
    background-size: cover;
    background-position: right center;
    pointer-events: none;
  }
  /* Red brand overlay — solid left, fades to transparent right */
  .hero::after {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(
      to right,
      rgba(112, 0, 16, 0.92) 0%,
      rgba(150, 10, 30, 0.88) 20%,
      rgba(176, 16, 48, 0.80) 35%,
      rgba(176, 16, 48, 0.55) 50%,
      rgba(176, 16, 48, 0.25) 65%,
      rgba(176, 16, 48, 0.05) 80%,
      rgba(176, 16, 48, 0.00) 100%
    );
    pointer-events: none;
  }
  .hero-swoosh-1 { display: none; }
  .hero-swoosh-2 { display: none; }
  .hero-streak   { display: none; }
  .hero-streak-2 { display: none; }
  .hero-inner { max-width: 760px; position: relative; z-index: 2; }
  .hero-badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.4);
    padding: 6px 14px; border-radius: 20px;
    font-size: 11px; font-weight: 600; letter-spacing: 0.1em;
    text-transform: uppercase; color: rgba(255,255,255,0.9);
    margin-bottom: 1.75rem;
  }
  .hero-badge::before {
    content: ''; width: 6px; height: 6px; border-radius: 50%;
    background: rgba(255,255,255,0.9); display: block;
  }
  .hero h1 {
    font-family: var(--font-display);
    font-size: clamp(36px, 4.5vw, 56px);
    font-weight: 700; line-height: 1.1;
    color: var(--white); margin-bottom: 1.25rem;
    letter-spacing: -0.01em;
  }
  .hero h1 em { font-style: italic; color: rgba(255,255,255,0.88); font-weight: 400; }
  .hero-sub {
    font-size: 18px; font-weight: 300; line-height: 1.75;
    color: rgba(255,255,255,0.78); margin-bottom: 2.5rem;
    max-width: 600px;
  }
  .hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
  .btn-primary {
    display: inline-block; background: var(--navy); color: #ffffff;
    font-size: 14px; font-weight: 600; letter-spacing: 0.03em;
    padding: 14px 30px; border-radius: 4px; text-decoration: none;
    border: none; cursor: pointer; transition: background 0.2s;
  }
  .btn-primary:hover { background: #880010; }
  .btn-outline {
    display: inline-block; background: transparent;
    color: var(--white); border: 1.5px solid rgba(255,255,255,0.4);
    font-size: 14px; font-weight: 500; letter-spacing: 0.03em;
    padding: 14px 30px; border-radius: 4px; text-decoration: none;
    cursor: pointer; transition: border-color 0.2s, color 0.2s;
  }
  .btn-outline:hover { border-color: var(--white); color: var(--white); }

  .hero-stats {
    position: relative; z-index: 2;
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 1px; background: rgba(255,255,255,0.12);
    margin-top: 4rem; border-top: 1px solid rgba(255,255,255,0.12);
  }
  .hero-stat {
    padding: 1.75rem 2rem; background: rgba(255,255,255,0.04);
  }
  .hero-stat-num {
    font-family: var(--font-display);
    font-size: 34px; font-weight: 700; color: #ffffff;
    display: block; line-height: 1;
  }
  .hero-stat-label {
    font-size: 12px; font-weight: 400; letter-spacing: 0.06em;
    color: rgba(255,255,255,0.6); margin-top: 0.4rem; display: block;
  }

  /* Benefits strip */
  .benefits-strip {
    display: grid; grid-template-columns: repeat(4, 1fr);
    border-bottom: 1px solid var(--border);
  }
  .benefit-item {
    padding: 2.5rem 2rem;
    border-right: 1px solid var(--border);
    background: var(--cream);
  }
  .benefit-item:last-child { border-right: none; }
  .benefit-icon {
    width: 40px; height: 40px; background: #fde8ec;
    border-radius: 8px; display: flex; align-items: center;
    justify-content: center; margin-bottom: 1rem;
    font-size: 18px;
  }
  .benefit-item h3 {
    font-size: 14px; font-weight: 600; margin-bottom: 0.4rem;
    color: #1a1a1a;
  }
  .benefit-item p { font-size: 13px; color: var(--slate-light); line-height: 1.6; }

  /* Agents Benefits */
  .section { padding: 5rem 3rem; }
  .section-label {
    font-size: 11px; font-weight: 600; letter-spacing: 0.14em;
    text-transform: uppercase; color: var(--navy);
    margin-bottom: 0.75rem; display: block;
  }
  .section-heading {
    font-family: var(--font-display);
    font-size: clamp(28px, 3.5vw, 40px);
    font-weight: 700; line-height: 1.15;
    color: var(--navy); margin-bottom: 1.25rem;
  }
  .section-intro {
    font-size: 17px; font-weight: 300; color: var(--slate);
    line-height: 1.75; max-width: 680px; margin-bottom: 3rem;
  }

  .benefits-grid {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
  }
  .benefit-card {
    background: var(--white); border: 1px solid var(--border);
    border-radius: 8px; padding: 1.5rem;
    display: flex; align-items: flex-start; gap: 0.75rem;
    transition: border-color 0.2s, box-shadow 0.2s;
  }
  .benefit-card:hover {
    border-color: var(--navy); box-shadow: 0 4px 20px rgba(176,16,48,0.12);
  }
  .benefit-check {
    width: 22px; height: 22px; background: #fde8ec;
    border-radius: 50%; display: flex; align-items: center;
    justify-content: center; flex-shrink: 0; margin-top: 1px;
    font-size: 11px; color: var(--navy); font-weight: 700;
  }
  .benefit-card span { font-size: 14px; font-weight: 500; color: #1a1a1a; line-height: 1.4; }

  .cta-strip {
    background: var(--navy); padding: 4rem 3rem;
    display: flex; align-items: center; justify-content: space-between;
    gap: 2rem; flex-wrap: wrap;
  }
  .cta-strip h2 {
    font-family: var(--font-display);
    font-size: 28px; font-weight: 700; color: var(--white);
    max-width: 520px; line-height: 1.2;
  }
  .cta-strip h2 em { font-style: italic; color: rgba(255,255,255,0.82); }
  .cta-strip .btn-primary { background: #ffffff; color: var(--navy); }
  .cta-strip .btn-primary:hover { background: #f5d0d5; color: var(--navy); }

  /* ─── IFS DIFFERENCE ─── */
  .page-header {
    background: var(--navy); padding: 4.5rem 3rem 4rem;
  }
  .page-header .section-label { color: rgba(255,255,255,0.8); }
  .page-header .section-heading { color: var(--white); margin-bottom: 1rem; }
  .page-header p {
    font-size: 17px; font-weight: 300; color: rgba(255,255,255,0.72);
    max-width: 640px; line-height: 1.75;
  }

  .diff-table-wrap { padding: 3rem; overflow-x: auto; }
  .diff-table {
    width: 100%; border-collapse: collapse;
    font-size: 13.5px;
  }
  .diff-table thead tr {
    background: var(--navy);
  }
  .diff-table th {
    padding: 1rem 1.25rem; text-align: left;
    font-size: 11px; font-weight: 600; letter-spacing: 0.1em;
    text-transform: uppercase; color: var(--white);
  }
  .diff-table th:nth-child(3) { background: var(--navy); }
  .diff-table td {
    padding: 0.875rem 1.25rem; border-bottom: 1px solid var(--border);
    vertical-align: top; line-height: 1.55;
    color: var(--slate);
  }
  .diff-table td:nth-child(3) {
    background: var(--gold-pale); font-weight: 500; color: var(--navy);
    border-left: 3px solid var(--navy);
  }
  .diff-table td:first-child { color: var(--slate-light); }
  .diff-table tr:hover td { background: var(--cream); }
  .diff-table tr:hover td:nth-child(3) { background: #fdf2de; }

  .highlight-grid {
    display: grid; grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem; padding: 0 3rem 4rem;
  }
  .highlight-card {
    background: var(--cream); border: 1px solid var(--border);
    border-radius: 8px; padding: 2rem;
    border-left: 4px solid var(--navy);
  }
  .highlight-card h3 {
    font-family: var(--font-display);
    font-size: 18px; font-weight: 700; margin-bottom: 0.75rem;
    color: #1a1a1a;
  }
  .highlight-card p { font-size: 14px; color: var(--slate); line-height: 1.7; }

  /* ─── ABOUT ─── */
  .about-story {
    display: grid; grid-template-columns: 3fr 2fr;
    gap: 0; border-bottom: 1px solid var(--border);
  }
  .about-story-text { padding: 4.5rem 3.5rem; }
  .about-story-text p {
    font-size: 15px; color: var(--slate); line-height: 1.85;
    margin-bottom: 1.1rem;
  }
  .about-story-aside {
    background: var(--navy); padding: 4.5rem 3rem;
    display: flex; flex-direction: column; justify-content: center;
  }
  .aside-stat { margin-bottom: 2.5rem; }
  .aside-stat:last-child { margin-bottom: 0; }
  .aside-stat-num {
    font-family: var(--font-display);
    font-size: 42px; font-weight: 700; color: #ffffff;
    display: block; line-height: 1;
  }
  .aside-stat-label {
    font-size: 13px; color: rgba(255,255,255,0.65);
    margin-top: 0.4rem; display: block; line-height: 1.5;
  }

  .founder-section {
    padding: 4rem 3rem;
    background: var(--cream);
    border-bottom: 1px solid var(--border);
  }
  .founder-card {
    display: flex; gap: 2.5rem; align-items: flex-start;
    max-width: 860px;
  }
  .founder-avatar {
    width: 90px; height: 90px; flex-shrink: 0;
    background: var(--navy); border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-display);
    font-size: 28px; font-weight: 700; color: #ffffff;
    letter-spacing: -0.02em;
  }
  .founder-info h3 {
    font-family: var(--font-display);
    font-size: 22px; font-weight: 700; color: #1a1a1a;
    margin-bottom: 0.25rem;
  }
  .founder-info .title {
    font-size: 12px; font-weight: 600; letter-spacing: 0.1em;
    text-transform: uppercase; color: var(--navy);
    margin-bottom: 1rem; display: block;
  }
  .founder-info p { font-size: 14px; color: var(--slate); line-height: 1.75; }

  .carriers-section { padding: 3.5rem 3rem; }
  .carriers-section h2 {
    font-family: var(--font-display); font-size: 24px; font-weight: 700;
    color: var(--navy); margin-bottom: 1rem;
  }
  .carriers-section p { font-size: 15px; color: var(--slate); max-width: 640px; margin-bottom: 1.5rem; }
  .carrier-badges { display: flex; flex-wrap: wrap; gap: 0.75rem; }
  .carrier-badge {
    background: var(--white); border: 1px solid var(--border);
    border-radius: 4px; padding: 8px 16px;
    font-size: 13px; font-weight: 500; color: var(--navy);
  }

  /* ─── PRODUCTS ─── */
  .products-grid {
    display: grid; grid-template-columns: repeat(2, 1fr);
    gap: 0; border-top: 1px solid var(--border);
  }
  .product-card {
    padding: 3rem;
    border-right: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    transition: background 0.2s;
  }
  .product-card:hover { background: var(--cream); }
  .product-card:nth-child(even) { border-right: none; }
  .product-num {
    font-size: 11px; font-weight: 600; letter-spacing: 0.12em;
    text-transform: uppercase; color: var(--navy);
    margin-bottom: 1rem; display: block;
  }
  .product-card h3 {
    font-family: var(--font-display); font-size: 22px; font-weight: 700;
    color: #1a1a1a; margin-bottom: 0.75rem;
  }
  .product-card p { font-size: 14px; color: var(--slate); line-height: 1.75; margin-bottom: 1rem; }
  .product-features { list-style: none; }
  .product-features li {
    font-size: 13px; color: var(--slate);
    padding: 0.4rem 0; border-bottom: 1px solid var(--border);
    display: flex; align-items: center; gap: 0.6rem;
  }
  .product-features li::before {
    content: ''; width: 14px; height: 2px; background: var(--gold); flex-shrink: 0;
  }
  .product-features li:last-child { border-bottom: none; }

  /* ─── CONTACT ─── */
  .contact-wrap {
    display: grid; grid-template-columns: 1fr 1.3fr;
    min-height: calc(100vh - 68px - 72px);
  }
  .contact-left {
    background: var(--navy); padding: 4.5rem 3rem;
    display: flex; flex-direction: column; justify-content: flex-start;
  }
  .contact-left h2 {
    font-family: var(--font-display); font-size: 32px; font-weight: 700;
    color: var(--white); margin-bottom: 1rem; line-height: 1.15;
  }
  .contact-left h2 em { font-style: italic; color: rgba(255,255,255,0.85); font-weight: 300; }
  .contact-left > p { font-size: 15px; color: rgba(255,255,255,0.65); line-height: 1.75; margin-bottom: 2.5rem; }
  .contact-detail { margin-bottom: 1.75rem; }
  .contact-detail-label {
    font-size: 10px; font-weight: 600; letter-spacing: 0.14em;
    text-transform: uppercase; color: var(--gold);
    display: block; margin-bottom: 0.35rem;
  }
  .contact-detail-value {
    font-size: 15px; color: var(--white); line-height: 1.6;
  }
  .contact-detail-value a { color: rgba(255,255,255,0.85); text-decoration: underline; }
  .contact-detail-value a:hover { text-decoration: underline; }

  .contact-right { padding: 4.5rem 3.5rem; background: var(--cream); }
  .contact-right h3 {
    font-family: var(--font-display); font-size: 26px; font-weight: 700;
    color: #1a1a1a; margin-bottom: 2rem;
  }
  .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; margin-bottom: 1.25rem; }
  .form-group { display: flex; flex-direction: column; gap: 0.4rem; margin-bottom: 1.25rem; }
  .form-group:last-of-type { margin-bottom: 0; }
  .form-group label {
    font-size: 11px; font-weight: 600; letter-spacing: 0.1em;
    text-transform: uppercase; color: var(--slate);
  }
  .form-group input, .form-group select, .form-group textarea {
    font-family: var(--font-body); font-size: 14px;
    border: 1.5px solid var(--border); background: var(--white);
    padding: 11px 14px; color: var(--navy); outline: none;
    border-radius: 4px; transition: border-color 0.2s;
    width: 100%; resize: vertical; appearance: none;
  }
  .form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    border-color: var(--gold);
  }
  .form-submit-row { display: flex; justify-content: flex-end; margin-top: 1.5rem; }
  .btn-submit {
    background: var(--navy); color: var(--white);
    border: none; cursor: pointer; border-radius: 4px;
    font-family: var(--font-body); font-size: 14px; font-weight: 600;
    letter-spacing: 0.04em; padding: 13px 36px;
    transition: background 0.2s;
  }
  .btn-submit:hover { background: var(--navy-mid); }
  .form-success { display: none; text-align: center; padding: 4rem 2rem; }
  .form-success.visible { display: block; }
  .form-success-mark {
    width: 56px; height: 56px; background: var(--gold-light);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-size: 24px; color: var(--gold); margin: 0 auto 1.5rem;
  }
  .form-success h4 { font-family: var(--font-display); font-size: 24px; font-weight: 700; margin-bottom: 0.5rem; }
  .form-success p { font-size: 14px; color: var(--slate); }

  /* ─── FOOTER ─── */
  footer {
    background: #ffffff; border-top: 1.5px solid #e2e8f0;
    padding: 1.75rem 3rem;
    display: flex; align-items: center; justify-content: space-between;
    flex-wrap: wrap; gap: 1rem;
  }
  .footer-brand {
    font-size: 13px; font-weight: 600; color: #333333;
  }
  .footer-brand strong { color: var(--gold); }
  .footer-note { font-size: 11px; color: #999999; }
  .footer-links { display: flex; gap: 1.5rem; }
  .footer-links a {
    font-size: 12px; color: #777777;
    text-decoration: none; letter-spacing: 0.04em;
    text-transform: uppercase; transition: color 0.2s;
  }
  .footer-links a:hover { color: var(--gold); }

  /* ─── TOOLS ─── */
  .tools-grid {
    display: grid; grid-template-columns: repeat(2, 1fr);
    gap: 2rem; padding: 4rem 3rem;
    max-width: 900px; margin: 0 auto;
  }
  .tool-card {
    background: var(--white); border: 1px solid var(--border);
    border-radius: 8px; padding: 2.5rem 2rem;
    display: flex; flex-direction: column; align-items: center;
    text-align: center;
    gap: 1rem; transition: border-color 0.2s, box-shadow 0.2s;
  }
  .tool-card:hover {
    border-color: var(--navy); box-shadow: 0 4px 20px rgba(176,16,48,0.1);
  }
  .tool-icon {
    width: 52px; height: 52px; background: #fde8ec;
    border-radius: 10px; display: flex; align-items: center;
    justify-content: center; font-size: 24px; flex-shrink: 0;
  }
  .tool-card h3 {
    font-family: var(--font-display); font-size: 22px;
    font-weight: 700; color: #1a1a1a; margin: 0;
  }
  .tool-card p {
    font-size: 14px; color: var(--slate); line-height: 1.75; margin: 0;
  }
  .tool-btn {
    display: inline-block; background: var(--navy); color: #ffffff;
    font-family: var(--font-body); font-size: 13px; font-weight: 600;
    letter-spacing: 0.04em; padding: 11px 26px; border-radius: 4px;
    text-decoration: none; border: none; cursor: pointer;
    transition: background 0.2s; margin-top: 0.5rem;
  }
  .tool-btn:hover { background: var(--navy-mid); }

  /* Modal */
  .modal-overlay {
    display: none; position: fixed; inset: 0; z-index: 999;
    background: rgba(0,0,0,0.55);
    align-items: center; justify-content: center;
  }
  .modal-overlay.open { display: flex; }
  .modal-box {
    background: var(--white); border-radius: 8px;
    padding: 2.5rem; max-width: 520px; width: 90%;
    position: relative; box-shadow: 0 20px 60px rgba(0,0,0,0.25);
  }
  .modal-box h3 {
    font-family: var(--font-display); font-size: 22px;
    font-weight: 700; color: var(--navy); margin-bottom: 1rem;
  }
  .modal-box p {
    font-size: 14px; color: var(--slate); line-height: 1.8;
    margin-bottom: 1.75rem;
  }
  .modal-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
  .modal-btn-primary {
    background: var(--navy); color: #ffffff;
    font-family: var(--font-body); font-size: 13px; font-weight: 600;
    letter-spacing: 0.04em; padding: 11px 26px; border-radius: 4px;
    text-decoration: none; border: none; cursor: pointer;
    transition: background 0.2s;
  }
  .modal-btn-primary:hover { background: var(--navy-mid); }
  .modal-btn-cancel {
    background: transparent; color: var(--slate);
    font-family: var(--font-body); font-size: 13px; font-weight: 500;
    padding: 11px 20px; border-radius: 4px;
    border: 1px solid var(--border); cursor: pointer;
    transition: border-color 0.2s;
  }
  .modal-btn-cancel:hover { border-color: var(--slate); }

  /* ─── ANIMATIONS ─── */
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .fade-up { animation: fadeUp 0.65s ease both; }
  .d1 { animation-delay: 0.1s; } .d2 { animation-delay: 0.22s; }
  .d3 { animation-delay: 0.34s; } .d4 { animation-delay: 0.48s; }

  /* ─── MOBILE RESPONSIVENESS ─── */

  .nav-hamburger {
    display: none;
    flex-direction: column; gap: 5px;
    background: none; border: none; cursor: pointer; padding: 4px;
  }
  .nav-hamburger span {
    display: block; width: 24px; height: 2px;
    background: var(--navy); border-radius: 2px; transition: all 0.3s;
  }
  .nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-hamburger.open span:nth-child(2) { opacity: 0; }
  .nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  @media (max-width: 1024px) {
    nav { padding: 0 2rem; }
    .nav-links a { padding: 8px 10px; font-size: 12px; }
    .nav-phone { display: none; }
    .benefits-strip { grid-template-columns: repeat(2, 1fr); }
    .benefits-grid { grid-template-columns: repeat(2, 1fr); }
    .about-grid { grid-template-columns: 1fr; }
    .about-col:first-child { border-right: none; border-bottom: 1px solid var(--border); }
    .about-story { grid-template-columns: 1fr; }
    .about-story-aside { padding: 3rem; }
    .contact-wrap { grid-template-columns: 1fr; }
    .contact-left { padding: 3rem 2rem; }
    .contact-right { padding: 3rem 2rem; }
    .diff-table-wrap { padding: 2rem 1rem; }
    .products-grid { grid-template-columns: 1fr; }
    .product-card:nth-child(even) { border-right: 1px solid var(--border); }
    .tools-grid { grid-template-columns: 1fr; padding: 3rem 2rem; }
    .highlight-grid { grid-template-columns: 1fr; padding: 0 2rem 3rem; }
    .team-grid { grid-template-columns: repeat(2, 1fr); }
    .values-strip { grid-template-columns: repeat(2, 1fr); }
    .value-item:last-child { grid-column: span 2; border-right: none; }
    .cta-strip { flex-direction: column; text-align: center; padding: 3rem 2rem; }
    .section { padding: 4rem 2rem; }
    .page-hero { padding: 4rem 2rem 3rem; }
  }

  @media (max-width: 768px) {
    nav {
      height: auto; min-height: 68px;
      flex-wrap: wrap; padding: 0 1.25rem;
      align-items: center; position: relative;
    }
    .nav-brand { padding: 14px 0; flex: 1; }
    .nav-brand-name { font-size: 12px; }
    .nav-brand-sub { display: none; }
    .nav-logo-mark img { height: 36px; }
    .nav-hamburger { display: flex; }
    .nav-links {
      display: none; flex-direction: column; gap: 0;
      width: 100%; background: var(--white);
      border-top: 1px solid var(--border);
      padding: 0.5rem 0 0.75rem; order: 3;
    }
    .nav-links.open { display: flex; }
    .nav-links a {
      font-size: 14px; padding: 12px 1.25rem;
      border-bottom: 1px solid var(--border);
      color: var(--navy); border-radius: 0;
      background: transparent;
    }
    .nav-links a:last-child { border-bottom: none; }
    .nav-phone {
      display: block !important; padding: 12px 1.25rem;
      font-size: 14px; color: var(--navy);
      border-bottom: 1px solid var(--border);
      text-decoration: none;
    }
    .nav-cta {
      background: var(--navy) !important; color: #fff !important;
      border-radius: 0 !important; margin: 0.5rem 1.25rem 0 !important;
      text-align: center; padding: 12px 1rem !important;
    }
    .nav-cta:hover { background: var(--navy-mid) !important; }
    .page { padding-top: 68px; }
    .hero { padding: 3rem 1.25rem 2.5rem; }
    .hero h1 { font-size: 30px; }
    .hero-sub { font-size: 15px; }
    .hero-actions { flex-direction: column; gap: 0.75rem; }
    .btn-primary, .btn-outline { width: 100%; text-align: center; display: block; box-sizing: border-box; }
    .hero-stats { grid-template-columns: repeat(3, 1fr); }
    .hero-stat { padding: 1.25rem 0.75rem; }
    .hero-stat-num { font-size: 22px; }
    .hero-stat-label { font-size: 10px; }
    .benefits-strip { grid-template-columns: 1fr; }
    .benefit-item { border-right: none; border-bottom: 1px solid var(--border); }
    .section { padding: 3rem 1.25rem; }
    .section-heading { font-size: 26px; }
    .benefits-grid { grid-template-columns: 1fr; }
    .values-strip { grid-template-columns: 1fr; }
    .value-item { border-right: none; border-bottom: 1px solid var(--border); grid-column: auto; }
    .about-story-text { padding: 2.5rem 1.25rem; }
    .about-story-aside { padding: 2.5rem 1.25rem; }
    .aside-stat-num { font-size: 32px; }
    .founder-card { flex-direction: column; gap: 1.5rem; }
    .team-grid { grid-template-columns: 1fr; }
    .carriers-section { padding: 2.5rem 1.25rem; }
    .products-grid { grid-template-columns: 1fr; }
    .product-card { border-right: 1px solid var(--border) !important; }
    .diff-table-wrap { padding: 1.5rem 0.75rem; overflow-x: auto; -webkit-overflow-scrolling: touch; }
    .diff-table { min-width: 580px; font-size: 12px; }
    .highlight-grid { grid-template-columns: 1fr; padding: 0 1.25rem 2.5rem; }
    .tools-grid { grid-template-columns: 1fr; padding: 2.5rem 1.25rem; }
    .contact-wrap { grid-template-columns: 1fr; }
    .contact-left { padding: 2.5rem 1.25rem; }
    .contact-right { padding: 2.5rem 1.25rem; }
    .form-row { grid-template-columns: 1fr; }
    .page-hero { padding: 3rem 1.25rem 2.5rem; }
    .page-heading { font-size: 28px; }
    .page-intro { font-size: 15px; }
    .cta-strip { padding: 2.5rem 1.25rem; }
    .cta-strip h2 { font-size: 22px; }
    footer { flex-direction: column; align-items: flex-start; padding: 2rem 1.25rem; gap: 1rem; }
    .footer-links { flex-wrap: wrap; gap: 1rem; }
  }

  @media (max-width: 480px) {
    .hero h1 { font-size: 26px; }
    .hero-stats { grid-template-columns: 1fr; }
    .hero-stat { border-bottom: 1px solid rgba(255,255,255,0.1); }
  }