/* ==========================================================================
   Boyles Benefits Group — components.css
   Nav, footer, buttons, cards, hero, sections, forms, accordion, tables.
   ========================================================================== */

/* ── Buttons ─────────────────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 44px;
  padding: 0.85rem 1.9rem;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.2s, color 0.2s, border-color 0.2s, transform 0.2s, box-shadow 0.2s;
}

.btn-primary { background: var(--white); color: var(--navy); border: 1px solid var(--white); }
.btn-primary:hover { background: var(--sage-pale); color: var(--navy-deep); transform: translateY(-1px); }

/* On light backgrounds the primary button becomes solid navy for contrast */
.on-light .btn-primary,
.section:not(.section--navy):not(.hero) .btn-primary {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.on-light .btn-primary:hover,
.section:not(.section--navy):not(.hero) .btn-primary:hover {
  background: var(--navy-soft);
  color: var(--white);
  box-shadow: var(--shadow-card);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 1px solid var(--sage-light);
}
.btn-secondary:hover { background: rgba(195, 207, 174, 0.18); border-color: var(--white); color: var(--white); }

.section:not(.section--navy):not(.hero) .btn-secondary {
  color: var(--navy);
  border-color: var(--navy);
}
.section:not(.section--navy):not(.hero) .btn-secondary:hover {
  background: var(--sage-pale);
  color: var(--navy-deep);
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  padding: 0.5rem 0;
  min-height: 32px;
  background: none;
  border: none;
  color: var(--navy);
  text-transform: none;
  letter-spacing: 0;
  font-size: 0.9rem;
  font-weight: 600;
}
.btn-ghost::after { content: '→'; transition: transform 0.2s; }
.btn-ghost:hover { color: var(--navy-deep); }
.btn-ghost:hover::after { transform: translateX(4px); }

.btn-row { display: flex; flex-wrap: wrap; gap: 1rem; }

/* ── Navigation ──────────────────────────────────────────────────────────── */
.site-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-h);
  padding: 0 var(--pad-x);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  background: rgba(22, 52, 90, 0.96);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(195, 207, 174, 0.35);
}

.nav-brand { display: flex; align-items: center; gap: 0.75rem; text-decoration: none; }
.nav-brand img { height: 68px; width: auto; object-fit: contain; }
.nav-brand:hover { color: inherit; }
.nav-wordmark { display: flex; flex-direction: column; line-height: 1.2; }
.nav-wordmark .wm-name {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  white-space: nowrap;
}
.nav-wordmark .wm-name span { color: var(--sage-light); }
.nav-wordmark .wm-tag {
  font-size: 0.58rem;
  letter-spacing: 0.12em;
  color: #ffffff;
  text-transform: uppercase;
  white-space: nowrap;
  font-weight: 400;
}

.nav-menu { display: flex; align-items: center; gap: 1.9rem; }
.nav-item { position: relative; }

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: #ffffff;
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.5rem 0;
  border-bottom: 2px solid transparent;
  background: none;
  transition: color 0.2s, border-color 0.2s;
  white-space: nowrap;
}
.nav-link:hover, .nav-link:focus-visible { color: var(--white); border-bottom-color: var(--sage); }
.nav-item.is-active > .nav-link { color: var(--white); border-bottom-color: var(--sage); }

.nav-caret { width: 9px; height: 9px; stroke: currentColor; stroke-width: 2; fill: none; transition: transform 0.2s; }
.nav-item.open .nav-caret { transform: rotate(180deg); }

.nav-dropdown {
  position: absolute;
  top: calc(100% + 14px);
  left: -1rem;
  min-width: 268px;
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--sage);
  border-radius: 3px;
  box-shadow: 0 20px 46px rgba(15, 36, 64, 0.22);
  padding: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
}
.nav-item:hover .nav-dropdown,
.nav-item.open .nav-dropdown,
.nav-item:focus-within .nav-dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-dropdown::before { content: ''; position: absolute; top: -17px; left: 0; right: 0; height: 17px; }
.nav-dropdown a {
  display: block;
  padding: 0.6rem 0.85rem;
  color: var(--text);
  font-size: 0.9rem;
  line-height: 1.35;
  border-radius: 2px;
}
.nav-dropdown a small { display: block; color: var(--gray); font-size: 0.75rem; margin-top: 0.15rem; }
.nav-dropdown a:hover, .nav-dropdown a:focus-visible { background: var(--sage-pale); color: var(--navy-deep); }

.nav-cta {
  background: var(--white);
  color: var(--navy);
  padding: 0.7rem 1.35rem;
  border-radius: var(--radius-sm);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  white-space: nowrap;
  transition: background 0.2s, color 0.2s;
}
.nav-cta:hover { background: var(--sage-pale); color: var(--navy-deep); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 44px; height: 44px;
  align-items: center;
  justify-content: center;
}
.nav-toggle span {
  display: block; width: 24px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: transform 0.28s, opacity 0.2s;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile panel */
.mobile-panel {
  position: fixed;
  top: var(--nav-h); right: 0; bottom: 0;
  width: min(420px, 100%);
  background: var(--navy);
  z-index: 999;
  padding: 1.5rem var(--pad-x) 3rem;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.32s cubic-bezier(0.4, 0, 0.2, 1);
  border-left: 1px solid rgba(195, 207, 174, 0.3);
}
.mobile-panel.open { transform: translateX(0); }
.mobile-panel a { color: #EEF1E8; }
.mobile-group { border-bottom: 1px solid rgba(255, 255, 255, 0.12); }
.mobile-link, .mobile-toggle {
  display: flex;
  width: 100%;
  align-items: center;
  justify-content: space-between;
  padding: 0.95rem 0;
  min-height: 48px;
  color: #EEF1E8;
  font-size: 1rem;
  font-weight: 500;
  text-align: left;
}
.mobile-toggle .nav-caret { width: 12px; height: 12px; }
.mobile-toggle[aria-expanded="true"] .nav-caret { transform: rotate(180deg); }
.mobile-sub { display: none; padding: 0 0 0.85rem 0.9rem; }
.mobile-sub.open { display: block; }
.mobile-sub a {
  display: block;
  padding: 0.6rem 0;
  min-height: 44px;
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.78);
  border-left: 2px solid rgba(195, 207, 174, 0.45);
  padding-left: 0.9rem;
}
.mobile-sub a:hover { color: var(--white); }
.mobile-panel .btn { width: 100%; margin-top: 1.75rem; }
.mobile-contact { margin-top: 2rem; color: rgba(255, 255, 255, 0.92); font-size: 0.88rem; }
.mobile-contact a { display: block; color: #EEF1E8; margin-bottom: 0.35rem; }

body.nav-open { overflow: hidden; }

@media (max-width: 1100px) {
  .nav-menu, .nav-cta-desktop { display: none; }
  .nav-toggle { display: flex; }
  .nav-brand img { height: 54px; }
  .nav-wordmark .wm-name { font-size: 1.05rem; }
  .nav-wordmark .wm-tag { font-size: 0.5rem; }
}

@media (max-width: 380px) {
  .nav-wordmark .wm-name { font-size: 0.92rem; }
  .nav-brand img { height: 46px; }
}

/* ── Hero (home) ─────────────────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: calc(100vh - var(--nav-h));
  display: flex;
  align-items: center;
  padding: 4.5rem var(--pad-x);
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-soft) 100%);
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    linear-gradient(90deg, rgba(15, 36, 64, 0.62) 0%, rgba(15, 36, 64, 0.34) 48%, rgba(15, 36, 64, 0.10) 100%),
    radial-gradient(ellipse at 70% 50%, rgba(195, 207, 174, 0.16) 0%, transparent 60%);
}
.hero::after {
  content: '';
  position: absolute;
  top: -46%; right: -18%;
  width: 700px; height: 700px;
  border: 1px solid rgba(195, 207, 174, 0.28);
  border-radius: 50%;
  pointer-events: none;
}
.hero-inner {
  position: relative; z-index: 1;
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 4.5rem;
  align-items: center;
  will-change: transform;
}
.hero h1 {
  color: var(--white);
  font-size: clamp(2.3rem, 4.4vw, 3.5rem);
  line-height: 1.14;
  margin-bottom: 1.35rem;
  text-shadow: 0 2px 12px rgba(15, 36, 64, 0.4);
}
.hero h1 em { color: var(--sage-light); font-style: normal; }
.hero p {
  color: rgba(255, 255, 255, 0.94);
  font-size: 1.05rem;
  line-height: 1.8;
  margin-bottom: 2.25rem;
  max-width: 54ch;
  text-shadow: 0 1px 2px rgba(15, 36, 64, 0.3);
}
.hero-tag {
  display: inline-block;
  color: var(--sage-light);
  font-size: 0.74rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 1.4rem;
  border-left: 3px solid var(--sage);
  padding-left: 0.75rem;
  text-shadow: 0 1px 2px rgba(15, 36, 64, 0.35);
}

.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.stat {
  position: relative;
  overflow: hidden;
  padding: 1.6rem 1.5rem;
  background: rgba(15, 36, 64, 0.38);
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: 4px;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  box-shadow: 0 18px 45px rgba(15, 36, 64, 0.16);
  transition: transform 0.3s ease, border-color 0.3s ease;
}
.stat::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: var(--sage); }
.stat:hover { transform: translateY(-4px); border-color: rgba(255, 255, 255, 0.85); }
.stat-num {
  font-family: var(--font-display);
  font-size: 2.15rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
  margin-bottom: 0.45rem;
}
.stat-label { color: rgba(255, 255, 255, 0.9); font-size: 0.8rem; line-height: 1.45; font-weight: 500; }

@media (max-width: 1024px) {
  .hero { min-height: 0; padding: 3.5rem var(--pad-x); }
  .hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-stats { max-width: 520px; }
}
@media (max-width: 420px) {
  .hero-stats { grid-template-columns: 1fr; }
}

/* ── Page hero (interior pages) ──────────────────────────────────────────── */
.page-hero {
  position: relative;
  padding: 4rem var(--pad-x) 3.5rem;
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 62%, var(--navy-soft) 100%);
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(15, 36, 64, 0.5) 0%, rgba(15, 36, 64, 0.18) 100%);
}
.page-hero::after {
  content: '';
  position: absolute; top: -60%; right: -10%;
  width: 520px; height: 520px;
  border: 1px solid rgba(195, 207, 174, 0.28);
  border-radius: 50%;
  pointer-events: none;
}
.page-hero-inner { position: relative; z-index: 1; max-width: var(--maxw); margin: 0 auto; }
.page-hero h1 { color: var(--white); margin-bottom: 1rem; text-shadow: 0 2px 12px rgba(15, 36, 64, 0.3); }
.page-hero p {
  color: rgba(255, 255, 255, 0.93);
  font-size: 1.05rem;
  line-height: 1.8;
  max-width: 62ch;
  text-shadow: 0 1px 2px rgba(15, 36, 64, 0.25);
}

/* ── Breadcrumb ──────────────────────────────────────────────────────────── */
.breadcrumb { position: relative; z-index: 1; margin-bottom: 1.1rem; font-size: 0.78rem; letter-spacing: 0.04em; }
.breadcrumb ol { display: flex; flex-wrap: wrap; gap: 0.45rem; align-items: center; }
.breadcrumb a { color: rgba(255, 255, 255, 0.85); text-decoration: none; }
.breadcrumb a:hover { color: var(--white); text-decoration: underline; }
.breadcrumb li + li::before { content: '/'; color: rgba(255, 255, 255, 0.5); margin-right: 0.45rem; }
.breadcrumb [aria-current] { color: rgba(255, 255, 255, 0.7); }

/* ── Cards ───────────────────────────────────────────────────────────────── */
.card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 2rem 1.85rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--sage);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card-hover); border-color: var(--navy-mid); }
.card:hover::before { transform: scaleX(1); }
.card h3 { margin-bottom: 0.6rem; }
.card p { color: var(--gray); font-size: 0.95rem; line-height: 1.7; }
.card .btn-ghost { margin-top: auto; padding-top: 1.1rem; }
.card-icon {
  width: 46px; height: 46px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--sage-pale);
  color: var(--navy);
  margin-bottom: 1.15rem;
}
.card-icon svg { width: 23px; height: 23px; stroke: currentColor; fill: none; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.card--cream { background: var(--sand); border-color: var(--light-gray); }
.card--plain:hover { transform: none; box-shadow: none; border-color: var(--border); }
.card--plain::before { display: none; }

/* Big split cards (who we help) */
.split-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 2.75rem;
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid var(--border);
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.split-card::after {
  content: '';
  position: absolute; top: 0; left: 0; width: 4px; height: 100%;
  background: linear-gradient(180deg, var(--sage), rgba(138, 154, 107, 0.15));
}
.split-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card-hover); }
.split-card h3 { font-size: 1.6rem; margin-bottom: 0.85rem; }
.split-card p { color: var(--gray); }
.split-card ul { margin: 1.35rem 0 1.75rem; }
.split-card ul li {
  position: relative;
  padding-left: 1.6rem;
  margin-bottom: 0.55rem;
  font-size: 0.95rem;
  color: var(--text);
}
.split-card ul li::before {
  content: '';
  position: absolute; left: 0; top: 0.62em;
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--sage);
}
.split-card .btn { margin-top: auto; align-self: flex-start; }

/* Feature list with checks */
.check-list li {
  display: flex; align-items: flex-start; gap: 0.85rem;
  margin-bottom: 0.9rem;
  font-size: 0.98rem;
  line-height: 1.6;
}
.check-list .check {
  flex: 0 0 20px;
  width: 20px; height: 20px;
  margin-top: 4px;
  border-radius: 50%;
  background: var(--navy);
  display: flex; align-items: center; justify-content: center;
}
.check-list .check svg { width: 11px; height: 11px; stroke: #fff; stroke-width: 2; fill: none; }

/* Step cards */
.step {
  position: relative;
  padding: 2.35rem 1.9rem;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(195, 207, 174, 0.32);
  border-radius: var(--radius);
  transition: background 0.3s, border-color 0.3s, transform 0.3s;
}
.step:hover { background: rgba(255, 255, 255, 0.09); border-color: rgba(195, 207, 174, 0.7); transform: translateY(-4px); }
.step-num {
  font-family: var(--font-display);
  font-size: 3rem; font-weight: 900;
  color: rgba(195, 207, 174, 0.5);
  line-height: 1; margin-bottom: 1rem;
}
.step h3 { color: var(--white); font-size: 1.18rem; margin-bottom: 0.6rem; }
.step p { color: rgba(255, 255, 255, 0.82); font-size: 0.93rem; line-height: 1.7; }

/* Value / why points */
.point { padding: 1.75rem 0 0; border-top: 2px solid var(--sage-soft); }
.point h3 { font-size: 1.15rem; margin-bottom: 0.55rem; }
.point p { color: var(--gray); font-size: 0.95rem; line-height: 1.7; }

/* Testimonials */
.quote {
  position: relative;
  padding: 2.1rem 1.9rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.quote:hover { transform: translateY(-4px); box-shadow: var(--shadow-card-hover); }
.quote::before {
  content: '\201C';
  position: absolute; top: 1rem; right: 1.4rem;
  font-family: var(--font-display);
  font-size: 4rem; line-height: 1;
  color: rgba(138, 154, 107, 0.22);
}
.quote blockquote { font-size: 0.98rem; line-height: 1.8; font-style: italic; color: var(--text); margin-bottom: 1.1rem; }
.quote cite {
  font-style: normal; font-size: 0.78rem; font-weight: 600;
  letter-spacing: 0.06em; text-transform: uppercase; color: var(--gray);
}
.stars { color: var(--sage); letter-spacing: 2px; margin-bottom: 0.9rem; font-size: 0.95rem; }

/* Callout panel */
.callout {
  position: relative;
  padding: 2.5rem;
  border-radius: var(--radius);
  background: var(--navy);
  color: rgba(255, 255, 255, 0.9);
  overflow: hidden;
}
.callout::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--sage), var(--sage-light), var(--sage));
}
.callout h3 { color: var(--white); margin-bottom: 0.85rem; }
.callout p { color: rgba(255, 255, 255, 0.88); }

.note {
  padding: 1.4rem 1.6rem;
  background: var(--sand);
  border-left: 3px solid var(--sage);
  border-radius: 0 4px 4px 0;
  font-size: 0.95rem;
  color: var(--text);
}

/* Number/fact grid */
.fact-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.fact {
  padding: 1.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 4px;
}
.fact .fact-num { font-family: var(--font-display); font-size: 1.9rem; font-weight: 700; color: var(--navy); line-height: 1; }
.fact .fact-label { font-size: 0.85rem; color: var(--gray); margin-top: 0.45rem; line-height: 1.5; }
@media (max-width: 900px) { .fact-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .fact-grid { grid-template-columns: 1fr; } }

/* ── Comparison table ────────────────────────────────────────────────────── */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--border); border-radius: var(--radius); }
table.compare { min-width: 620px; font-size: 0.94rem; background: var(--white); }
table.compare th, table.compare td { padding: 0.95rem 1.15rem; text-align: left; vertical-align: top; border-bottom: 1px solid var(--border); }
table.compare thead th { background: var(--navy); color: var(--white); font-family: var(--font-display); font-weight: 600; font-size: 0.95rem; }
table.compare tbody th { font-weight: 600; color: var(--text); width: 26%; background: var(--sage-pale); font-family: var(--font-body); }
table.compare tbody tr:nth-child(even) th, table.compare tbody tr:nth-child(even) td { background: var(--sage-pale); }
table.compare tbody tr:nth-child(odd) th { background: var(--sand); }
table.compare tbody tr:last-child th, table.compare tbody tr:last-child td { border-bottom: none; }
.table-note { font-size: 0.82rem; color: var(--gray); margin-top: 0.75rem; }

/* ── Accordion ───────────────────────────────────────────────────────────── */
.accordion { max-width: 860px; }
.accordion-item { border-bottom: 1px solid var(--border); }
.accordion-trigger {
  width: 100%;
  display: flex; justify-content: space-between; align-items: center; gap: 1.25rem;
  padding: 1.35rem 0;
  min-height: 56px;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
}
.accordion-trigger:hover { color: var(--navy-deep); }
.accordion-icon {
  flex: 0 0 22px; width: 22px; height: 22px;
  border: 1px solid var(--navy-mid);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
  transition: transform 0.3s, background 0.3s;
}
.accordion-icon svg { width: 10px; height: 10px; stroke: currentColor; stroke-width: 2; fill: none; }
.accordion-trigger[aria-expanded="true"] .accordion-icon { transform: rotate(180deg); background: var(--sage-pale); }
.accordion-panel { overflow: hidden; max-height: 0; transition: max-height 0.35s ease; }
.accordion-panel .accordion-body { padding: 0 0 1.4rem; color: var(--gray); font-size: 0.97rem; line-height: 1.8; max-width: 70ch; }
.accordion-group-title {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--navy);
  margin: 2.75rem 0 0.5rem;
}
.accordion-group-title:first-child { margin-top: 0; }

/* ── CTA band ────────────────────────────────────────────────────────────── */
.cta-band {
  position: relative;
  padding: 4.25rem var(--pad-x);
  background: linear-gradient(120deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-soft) 100%);
  overflow: hidden;
  text-align: center;
}
.cta-band::after {
  content: '';
  position: absolute; bottom: -70%; left: -8%;
  width: 480px; height: 480px;
  border: 1px solid rgba(195, 207, 174, 0.24);
  border-radius: 50%;
}
.cta-band .wrap { position: relative; z-index: 1; }
.cta-band h2 { color: var(--white); margin-bottom: 1rem; }
.cta-band p { color: rgba(255, 255, 255, 0.9); max-width: 58ch; margin: 0 auto 2rem; }
.cta-band .btn-row { justify-content: center; }

/* ── Blog ────────────────────────────────────────────────────────────────── */
.post-card {
  display: flex; flex-direction: column;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.85rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.post-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card-hover); }
.post-card.is-soon { background: var(--sand); border-style: dashed; border-color: var(--sage-light); }
.post-card.is-soon:hover { transform: none; box-shadow: none; }
.post-meta {
  display: flex; flex-wrap: wrap; gap: 0.6rem; align-items: center;
  font-size: 0.73rem; letter-spacing: 0.09em; text-transform: uppercase;
  color: var(--gray); margin-bottom: 0.85rem;
}
.post-cat { color: var(--navy); font-weight: 600; border-left: 2px solid var(--sage); padding-left: 0.5rem; }
.post-card h3 { font-size: 1.2rem; margin-bottom: 0.6rem; }
.post-card p { color: var(--gray); font-size: 0.94rem; line-height: 1.7; }
.post-card .btn-ghost { margin-top: auto; padding-top: 1.1rem; }
.badge-soon {
  display: inline-block; margin-top: auto; padding-top: 1.1rem;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.06em;
  text-transform: uppercase; color: var(--gray);
}
.article-meta { color: rgba(255, 255, 255, 0.85); font-size: 0.85rem; letter-spacing: 0.05em; text-transform: uppercase; margin-bottom: 0.9rem; }

/* ── Glossary ────────────────────────────────────────────────────────────── */
.glossary { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.4rem 2.5rem; }
.glossary dt { font-family: var(--font-display); font-weight: 600; color: var(--navy); font-size: 1.02rem; }
.glossary dd { color: var(--gray); font-size: 0.94rem; line-height: 1.7; margin-top: 0.2rem; }
@media (max-width: 760px) { .glossary { grid-template-columns: 1fr; } }

/* ── Contact + forms ─────────────────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 3.5rem; align-items: start; }
@media (max-width: 980px) { .contact-grid { grid-template-columns: 1fr; gap: 2.5rem; } }

.contact-detail {
  display: flex; align-items: flex-start; gap: 0.9rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.98rem;
  color: var(--text);
}
.contact-detail:last-child { border-bottom: none; }
.contact-detail svg { flex: 0 0 20px; width: 20px; height: 20px; margin-top: 4px; stroke: var(--navy); fill: none; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.contact-detail a { font-weight: 600; }
.contact-detail .cd-label { display: block; font-size: 0.72rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gray); margin-bottom: 0.15rem; }

.form-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--sage);
  border-radius: var(--radius);
  padding: 2.25rem;
  box-shadow: var(--shadow-card);
}
.form-card h2 { font-size: 1.5rem; margin-bottom: 0.4rem; }
.form-card > p.form-intro { color: var(--gray); font-size: 0.94rem; margin-bottom: 1.75rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 620px) { .form-row { grid-template-columns: 1fr; } .form-card { padding: 1.5rem; } }
.field { margin-bottom: 1.1rem; }
.field label {
  display: block;
  font-size: 0.74rem;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--gray);
  margin-bottom: 0.4rem;
}
.field .req { color: #a8471f; }
.field input, .field select, .field textarea {
  width: 100%;
  min-height: 46px;
  padding: 0.7rem 0.9rem;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  border: 1px solid #C4CBD6;
  border-radius: 3px;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field textarea { min-height: 116px; resize: vertical; line-height: 1.6; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(22, 52, 90, 0.16);
}
.field input::placeholder, .field textarea::placeholder { color: #6B7A8F; }
.field .error-msg { display: none; margin-top: 0.35rem; font-size: 0.8rem; color: #a8471f; font-weight: 500; }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: #a8471f; background: #fdf7f5; }
.field.has-error .error-msg { display: block; }

.radio-row { display: flex; flex-wrap: wrap; gap: 0.6rem; }
.radio-pill {
  display: inline-flex; align-items: center; gap: 0.5rem;
  min-height: 44px;
  padding: 0.5rem 1rem;
  border: 1px solid #C4CBD6;
  border-radius: 3px;
  font-size: 0.92rem;
  cursor: pointer;
  transition: border-color 0.2s, background 0.2s;
}
.radio-pill:hover { border-color: var(--navy-mid); }
.radio-pill input { width: auto; min-height: 0; accent-color: var(--navy); }
.radio-pill:has(input:checked) { border-color: var(--navy); background: var(--sage-pale); font-weight: 600; }

.form-status { margin-top: 1rem; font-size: 0.94rem; line-height: 1.6; }
.form-status.error { color: #a8471f; font-weight: 500; }
.form-success {
  display: none;
  padding: 2rem;
  background: var(--sage-pale);
  border: 1px solid var(--sage);
  border-radius: 4px;
  text-align: center;
}
.form-success.show { display: block; }
.form-success h3 { margin-bottom: 0.6rem; }
.form-success p { color: var(--gray); }
.form-privacy { font-size: 0.8rem; color: var(--gray); margin-top: 1rem; line-height: 1.6; }

/* ── About headshot ──────────────────────────────────────────────────────── */
.headshot-wrap { position: relative; }
.headshot {
  width: 100%;
  aspect-ratio: 3 / 4;
  border-radius: var(--radius);
  background: linear-gradient(150deg, var(--sand) 0%, var(--sage-pale) 100%);
  border: 1px solid var(--light-gray);
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
/* When a real headshot photo is dropped in, it fills the frame edge to edge. */
.headshot img.headshot-photo { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
/* Brand-mark placeholder used until assets/jeremy-boyles.jpg exists. */
.headshot .brand-mark {
  width: min(58%, 220px);
  height: auto;
  object-fit: contain;
}
.headshot-accent {
  position: absolute; bottom: -18px; right: -18px;
  width: 84px; height: 84px;
  border-radius: 50%;
  background: var(--sage);
  opacity: 0.22;
  pointer-events: none;
}
.headshot-caption { margin-top: 0.9rem; font-size: 0.82rem; color: var(--gray); text-align: center; }

.pill-row { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.pill {
  border: 1px solid var(--sage);
  color: var(--navy);
  padding: 0.4rem 1rem;
  border-radius: 100px;
  font-size: 0.82rem;
  font-weight: 500;
  background: var(--sage-pale);
}

/* ── Footer ──────────────────────────────────────────────────────────────── */
.site-footer { background: var(--navy-deep); padding: 3.75rem var(--pad-x) 2rem; border-top: 3px solid var(--sage); }
.footer-inner {
  max-width: var(--maxw); margin: 0 auto;
  display: grid;
  grid-template-columns: 1.7fr 1fr 1fr 1fr 0.9fr;
  gap: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}
.footer-brand img { height: 62px; width: auto; margin-bottom: 0.9rem; }
.footer-brand .wm-name { font-family: var(--font-display); color: var(--white); font-size: 1.15rem; font-weight: 700; display: block; margin-bottom: 0.6rem; }
.footer-brand .wm-name span { color: var(--sage-light); }
.footer-brand p { color: rgba(255, 255, 255, 0.82); font-size: 0.88rem; line-height: 1.7; max-width: 32ch; margin-bottom: 1rem; }
.footer-contact { font-style: normal; font-size: 0.88rem; line-height: 1.9; color: rgba(255, 255, 255, 0.95); }
.footer-contact a { color: #EEF1E8; }
.footer-contact a:hover { color: var(--white); text-decoration: underline; }
.footer-col h2 {
  color: var(--sage-light);
  font-family: var(--font-body);
  font-size: 0.73rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 1rem;
}
.footer-col a {
  display: block;
  color: rgba(255, 255, 255, 0.86);
  font-size: 0.88rem;
  line-height: 1.55;
  padding: 0.32rem 0;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--white); text-decoration: underline; }
.footer-bottom {
  max-width: var(--maxw); margin: 0 auto;
  padding-top: 1.75rem;
  display: flex; justify-content: space-between; align-items: flex-start; gap: 1.5rem;
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.78rem;
  line-height: 1.7;
}
.footer-bottom p { margin: 0; }
.footer-disclaimer { max-width: 72ch; }

@media (max-width: 1024px) {
  .footer-inner { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 640px) {
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 1.75rem; }
  .footer-bottom { flex-direction: column; gap: 0.75rem; }
}
@media (max-width: 380px) {
  .footer-inner { grid-template-columns: 1fr; }
}

/* ── 404 ─────────────────────────────────────────────────────────────────── */
.err-code {
  font-family: var(--font-display);
  font-size: clamp(4rem, 12vw, 7rem);
  font-weight: 900;
  color: var(--sage);
  line-height: 1;
  margin-bottom: 0.5rem;
}

/* ── Active nav state (driven by body[data-page]) ────────────────────────── */
body[data-page="home"] .nav-item[data-nav="home"] > .nav-link,
body[data-page="employers"] .nav-item[data-nav="employers"] > .nav-link,
body[data-page="individuals"] .nav-item[data-nav="individuals"] > .nav-link,
body[data-page="about"] .nav-item[data-nav="about"] > .nav-link,
body[data-page="resources"] .nav-item[data-nav="resources"] > .nav-link,
body[data-page="contact"] .nav-item[data-nav="contact"] > .nav-link {
  color: var(--white);
  border-bottom-color: var(--sage);
}
body[data-page="employers"] .mobile-group[data-nav="employers"] > .mobile-toggle,
body[data-page="individuals"] .mobile-group[data-nav="individuals"] > .mobile-toggle,
body[data-page="resources"] .mobile-group[data-nav="resources"] > .mobile-toggle,
body[data-page="home"] .mobile-group[data-nav="home"] > .mobile-link,
body[data-page="about"] .mobile-group[data-nav="about"] > .mobile-link,
body[data-page="contact"] .mobile-group[data-nav="contact"] > .mobile-link {
  color: var(--white);
  font-weight: 600;
}

/* Check lists inside dark callouts */
.callout .check-list li, .section--navy .check-list li { color: rgba(255, 255, 255, 0.92); }
.callout .check-list .check, .section--navy .check-list .check { background: var(--sage-light); }
.callout .check-list .check svg, .section--navy .check-list .check svg { stroke: var(--navy-deep); }

/* Article + sidebar layout */
.layout-aside { grid-template-columns: minmax(0, 1.55fr) minmax(0, 1fr); align-items: start; gap: 3.5rem; }
.layout-aside > aside { position: sticky; top: calc(var(--nav-h) + 1.5rem); }
@media (max-width: 1024px) {
  .layout-aside { grid-template-columns: 1fr; gap: 2.5rem; }
  .layout-aside > aside { position: static; }
}

/* ── Contact page extras ─────────────────────────────────────────────────── */
.field legend {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text);
  margin-bottom: 0.45rem;
  padding: 0;
}
.field { border: 0; padding: 0; margin-inline: 0; }
.field .opt { color: var(--gray); font-weight: 400; letter-spacing: 0.02em; text-transform: none; }
.contact-details { border-top: 1px solid var(--border); }
.mini-steps { list-style: none; counter-reset: ms; margin: 0.6rem 0 0; padding: 0; }
.mini-steps li {
  counter-increment: ms;
  position: relative;
  padding-left: 2.1rem;
  margin-bottom: 0.85rem;
  font-size: 0.94rem;
  line-height: 1.6;
  color: var(--gray);
}
.mini-steps li:last-child { margin-bottom: 0; }
.mini-steps li strong { color: var(--text); }
.mini-steps li::before {
  content: counter(ms);
  position: absolute; left: 0; top: 0.05rem;
  width: 1.45rem; height: 1.45rem;
  display: inline-flex; align-items: center; justify-content: center;
  border: 1px solid var(--navy-mid);
  border-radius: 50%;
  font-family: var(--font-display);
  font-size: 0.78rem;
  color: var(--navy);
}
.field .radio-pill {
  text-transform: none;
  letter-spacing: normal;
  font-weight: 500;
  font-size: 0.92rem;
  margin-bottom: 0;
  display: inline-flex;
  gap: 0.55rem;
}

/* ── Slim hero (legal pages) + 404 spacing ───────────────────────────────── */
.page-hero--slim { padding-top: 3.25rem; padding-bottom: 2.75rem; }
.page-hero--slim h1 { margin-bottom: 0.5rem; }
.section--error { padding-top: 4.5rem; padding-bottom: 4rem; }

/* Mobile affordance for horizontally scrollable comparison tables */
.table-hint { display: none; }
@media (max-width: 760px) {
  .table-hint {
    display: block;
    font-size: 0.78rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gray);
    margin-bottom: 0.5rem;
  }
  .table-hint::after { content: ' →'; }
}

/* ── Contrast corrections (WCAG AA) ──────────────────────────────────────── */
.mobile-panel .btn-primary { color: var(--navy); }
.mobile-panel .btn-primary:hover { color: var(--navy-deep); }
.card p a, .point p a, .note a, .callout p a { text-decoration: underline; text-underline-offset: 2px; }


/* ── Brand logo lockups ──────────────────────────────────────────────────── */
.nav-brand .nav-mark { height: 44px; width: 44px; flex: 0 0 44px; object-fit: contain; }
@media (max-width: 1100px) { .nav-brand .nav-mark { height: 40px; width: 40px; flex-basis: 40px; } }
@media (max-width: 380px)  { .nav-brand .nav-mark { height: 34px; width: 34px; flex-basis: 34px; } }

.footer-brand .footer-lockup {
  width: 200px; height: auto;
  max-width: 100%;
  margin-bottom: 1.1rem;
}

.mobile-panel-brand {
  display: flex; align-items: center; gap: 0.7rem;
  padding-bottom: 1.1rem;
  margin-bottom: 0.35rem;
  border-bottom: 1px solid rgba(195, 207, 174, 0.28);
}
.mobile-panel-brand img { width: 38px; height: 38px; flex: 0 0 38px; object-fit: contain; }
.mobile-panel-brand span {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.2;
}

/* 404 brand mark */
.err-mark { width: 96px; height: 96px; margin: 0 auto 1.25rem; object-fit: contain; }

/* Contact panel watermark */
.contact-panel { position: relative; overflow: hidden; }
.contact-watermark {
  position: absolute;
  right: -40px; bottom: -46px;
  width: 178px; height: 178px;
  opacity: 0.05;
  pointer-events: none;
  user-select: none;
}
@media (max-width: 980px) { .contact-watermark { width: 132px; height: 132px; opacity: 0.05; } }
.contact-panel > *:not(.contact-watermark) { position: relative; z-index: 1; }

/* Bold text inside dark panels must not inherit the dark body-text colour */
.callout strong,
.section--navy strong,
.hero strong,
.page-hero strong,
.cta-band strong,
.step strong,
.mobile-panel strong,
.site-footer strong { color: var(--white); }