/* ===== Brand tokens (match the business card) ===== */
:root {
  --navy: #0B2A55;
  --navy-dark: #071C3A;
  --red: #C8102E;
  --white: #FFFFFF;
  --gray-bg: #F4F6F9;
  --text-dark: #1A2333;
  --text-body: #444441;
  --border-gray: #C9CFD8;
  --serif: "Noto Serif", "DejaVu Serif", Georgia, serif;
  --sans: "Noto Sans", "DejaVu Sans", "Segoe UI", Roboto, Arial, sans-serif;
  --header-h: 64px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-padding-top: calc(var(--header-h) + 12px); -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body {
  margin: 0; background: var(--white); color: var(--text-body);
  font: 400 1.0625rem/1.65 var(--sans); overflow-x: hidden;
  padding-bottom: env(safe-area-inset-bottom, 0px);
}
body.is-loading { visibility: hidden; }
body.picker-open { overflow: hidden; }
img, iframe { max-width: 100%; display: block; }
h1, h2, h3 { font-family: var(--serif); color: var(--text-dark); line-height: 1.2; margin: 0 0 .6em; }
h2 { font-size: clamp(1.6rem, 4.5vw, 2.2rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
a { color: var(--navy); }
:focus-visible { outline: 3px solid #5B9BE6; outline-offset: 3px; }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.container { width: 100%; max-width: 1100px; margin: 0 auto; padding-left: 20px; padding-right: 20px; }
section { padding: 56px 0; }
.bg-gray { background: var(--gray-bg); }
.red-rule { height: 3px; width: 64px; background: var(--red); }
.red-rule.full { width: 100%; }

/* ===== Buttons (all at least 44px tall) ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 48px; padding: 10px 22px; border-radius: 6px; border: 2px solid transparent;
  font: 600 1rem/1.2 var(--sans); text-decoration: none; text-align: center; cursor: pointer;
}
.btn-small { min-height: 44px; padding: 8px 16px; font-size: .95rem; }
.btn-red { background: var(--red); color: var(--white); }
.btn-red:hover { background: #A90D27; }
.btn-red:disabled { opacity: .7; cursor: wait; }
.btn-outline-white { background: transparent; color: var(--white); border-color: var(--white); }
.btn-outline-white:hover { background: var(--white); color: var(--navy); }
.btn-outline-navy { background: var(--white); color: var(--navy); border-color: var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

/* ===== Language picker ===== */
.picker {
  position: fixed; inset: 0; z-index: 100; background: var(--navy); color: var(--white);
  overflow-y: auto; display: flex; align-items: center; justify-content: center;
  padding: max(24px, env(safe-area-inset-top)) 20px max(24px, env(safe-area-inset-bottom));
}
.picker[hidden] { display: none; }
.picker-inner { width: 100%; max-width: 420px; text-align: center; display: flex; flex-direction: column; align-items: center; }
.picker-photo { width: 128px; height: 160px; object-fit: cover; border-radius: 8px; margin-bottom: 20px; }
.picker-name { color: var(--white); font-size: 2rem; margin: 0; }
.picker-title { color: #C9D6EA; margin: 4px 0 18px; }
.picker-choose { color: var(--white); font-weight: 600; margin: 18px 0 14px; }
.picker-buttons { display: grid; gap: 12px; width: 100%; }
.picker-buttons button {
  min-height: 60px; width: 100%; border-radius: 8px; cursor: pointer;
  background: var(--white); color: var(--navy); border: 2px solid var(--white);
  font: 600 1.35rem/1.2 var(--serif);
}
.picker-buttons button:hover { background: transparent; color: var(--white); }

/* ===== Header ===== */
.site-header { position: sticky; top: 0; z-index: 50; background: var(--navy); padding-top: env(safe-area-inset-top, 0px); }
.header-row { display: flex; align-items: center; gap: 10px; min-height: var(--header-h); }
.brand { color: var(--white); font: 700 1.1rem/1.2 var(--serif); text-decoration: none; margin-right: auto; white-space: nowrap; min-width: 0; overflow: hidden; text-overflow: ellipsis; }
.header-right { display: flex; align-items: center; gap: 8px; flex: none; }
@media (max-width: 479px) {
  .header-row { gap: 8px; }
  .brand { font-size: 1rem; white-space: normal; line-height: 1.1; overflow: visible; }
  .header-right { gap: 6px; }
  .lang-select { max-width: 104px; font-size: .9rem; padding-left: 8px; }
  .btn-small { padding: 8px 12px; font-size: .9rem; }
}
.lang-inline { display: none; gap: 2px; }
.lang-inline button {
  min-height: 44px; padding: 6px 10px; background: transparent; border: 0; border-bottom: 2px solid transparent;
  color: #C9D6EA; font: 500 .95rem var(--sans); cursor: pointer;
}
.lang-inline button[aria-pressed="true"] { color: var(--white); border-bottom-color: var(--red); }
.lang-inline button:hover { color: var(--white); }
.lang-select {
  min-height: 44px; max-width: 132px; padding: 6px 28px 6px 10px; border-radius: 6px;
  border: 1px solid #3D5C88; background: var(--navy-dark); color: var(--white); font: 500 .95rem var(--sans);
  appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M1 1l4 4 4-4' fill='none' stroke='%23fff' stroke-width='1.6'/%3E%3C/svg%3E");
  background-position: right 10px center; background-repeat: no-repeat;
}
.lang-select option { color: var(--text-dark); background: var(--white); }

/* ===== Hero ===== */
.hero { background: var(--navy); color: var(--white); padding: 40px 0 48px; }
.hero-grid { display: grid; grid-template-areas: "photo" "text"; gap: 28px; }
.hero-photo { grid-area: photo; }
.hero-photo img { width: 100%; height: auto; max-width: 168px; aspect-ratio: 4 / 5; object-fit: cover; border-radius: 8px; }
.hero-text { grid-area: text; }
.hero h1 { color: var(--white); font-size: clamp(2.1rem, 8vw, 3.4rem); margin-bottom: .35em; }
.hero-sub { color: #DCE5F2; font-size: 1.15rem; margin-bottom: 1.6em; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-ctas .btn { flex: 1 1 200px; }

/* ===== Comparison ===== */
.compare-cards { display: grid; gap: 16px; margin-top: 8px; }
.card { background: var(--white); border-radius: 8px; padding: 24px; }
.card p { margin: 0; color: var(--text-body); }
.card-pmi { border: 1px solid var(--border-gray); }
.card-pmi h3 { color: #5D6675; }
.card-mp { border: 2px solid var(--navy); }
.card-mp h3 { color: var(--navy); }

/* ===== Intro + video ===== */
.intro-grid { display: grid; gap: 28px; }
.video-wrap { background: var(--navy-dark); border-radius: 8px; overflow: hidden; aspect-ratio: 16 / 9; width: 100%; }
.video-wrap iframe, .video-wrap video { width: 100%; height: 100%; border: 0; display: block; background: var(--navy-dark); object-fit: contain; }
.video-wrap.is-tall { max-width: 380px; margin: 0 auto; }
.tags { list-style: none; padding: 0; margin: 1.2em 0 0; display: flex; flex-wrap: wrap; gap: 10px; }
.tags li { background: var(--gray-bg); color: var(--text-dark); border: 1px solid var(--border-gray); border-radius: 999px; padding: 6px 14px; font-size: .92rem; font-weight: 500; }

/* ===== FAQ ===== */
.help-grid { display: grid; gap: 40px; align-items: start; }
.faq-list { border-top: 1px solid var(--border-gray); }
.faq-list details { border-bottom: 1px solid var(--border-gray); }
.faq-list summary {
  list-style: none; cursor: pointer; min-height: 44px; padding: 16px 36px 16px 0; position: relative;
  font-weight: 600; color: var(--text-dark);
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; font-weight: 400; color: var(--navy);
}
.faq-list details[open] summary::after { content: "\2212"; }
.faq-list details p { margin: 0 0 18px; }

/* ===== Form ===== */
.quote-card { background: var(--white); border: 1px solid var(--border-gray); border-radius: 8px; padding: 24px; }
.form-sub { margin-bottom: 1.2em; }
.field { margin-bottom: 14px; }
.field label { display: block; font-weight: 600; color: var(--text-dark); margin-bottom: 6px; font-size: .97rem; }
.field input, .field select {
  width: 100%; min-height: 48px; padding: 10px 12px; border: 1px solid var(--border-gray); border-radius: 6px;
  font: 400 1rem var(--sans); color: var(--text-dark); background: var(--white);
}
.field input[aria-invalid="true"] { border-color: var(--red); }
.error { color: var(--red); font-size: .9rem; margin: 6px 0 0; min-height: 0; }
.error:empty { display: none; }
.form-actions { display: grid; gap: 14px; margin-top: 20px; }
.btn-send { width: 100%; }
.messengers { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; }
.messengers .or { width: 100%; font-size: .95rem; }
.messengers .btn { flex: 1 1 130px; }
.send-error { color: var(--red); margin: 14px 0 0; }
.send-error:empty { display: none; }
.thanks:focus { outline: none; }
.thanks h2 { color: var(--navy); }

/* ===== Footer ===== */
.site-footer { background: var(--navy-dark); color: #C9D6EA; padding: 40px 0 32px; font-size: .95rem; }
.footer-grid { display: grid; gap: 20px; }
.footer-name { color: var(--white); font: 700 1.2rem var(--serif); margin: 0; }
.footer-title { margin: 2px 0 0; }
.footer-contact { display: grid; gap: 6px; }
.footer-contact a { color: var(--white); text-decoration: none; min-height: 32px; }
.footer-contact a:hover { text-decoration: underline; }
.footer-contact p { margin: 0; }
.disclaimer { font-size: .82rem; color: #8FA6C8; margin: 24px 0 0; padding-top: 18px; border-top: 1px solid #1E3A63; }

/* ===== iPad: 768–1023 ===== */
@media (min-width: 768px) {
  .container { padding-left: 32px; padding-right: 32px; }
  section { padding: 72px 0; }
  .hero-grid { justify-items: center; text-align: center; }
  .hero-photo img { max-width: 240px; }
  .hero-ctas { justify-content: center; }
  .hero-ctas .btn { flex: 0 1 auto; }
  .compare-cards { grid-template-columns: 1fr 1fr; }
  .help-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

/* ===== Laptop: 1024+ ===== */
@media (min-width: 1024px) {
  .lang-inline { display: flex; }
  .lang-select-wrap { display: none; }
  .header-right { gap: 16px; }
  .hero { padding: 72px 0; }
  .hero-grid {
    grid-template-columns: 1.2fr .8fr; grid-template-areas: "text photo";
    align-items: center; justify-items: stretch; text-align: left; gap: 56px;
  }
  .hero-photo { justify-self: end; }
  .hero-photo img { max-width: 360px; }
  .hero-ctas { justify-content: flex-start; }
  .intro-grid { grid-template-columns: 1.1fr .9fr; align-items: center; gap: 48px; }
  .help-grid { grid-template-columns: 1.1fr .9fr; gap: 48px; }
}

/* spam trap: hidden from people, bots fill it in */
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }