/* Sustain Insurance Services — site styles
   Light palette only: the site does not follow the visitor's OS dark mode.
   Layout: white page, left-hand clinical image columns and peach bands lifted
   from the introductory deck; Roboto throughout; orange for emphasis, lime as
   a small square marker only. */
:root {
  --bg: #ffffff;
  --bg-soft: #fdf3ee;        /* peach band (deck FDECE5, slightly lifted) */
  --bg-soft-2: #f6f7f8;
  --fg: #1a1a1a;
  --fg-muted: #5c5c5c;       /* deck 595959 */
  --fg-faint: #8a8a8a;       /* deck 7F7F7F/888888 */
  --rule: #dcdcdc;           /* deck D8D8D8 */
  --accent: #f16228;         /* deck orange */
  --accent-ink: #c94b17;     /* darker orange for text on light bg (AA) */
  --lime: #a1cd43;           /* deck green square */
  --steel: #537d9d;          /* deck slate blue */
  --steel-soft: #dce8f0;
  --card: #ffffff;
  --shadow: 0 10px 30px rgba(30, 20, 10, .08);
  --font: "Roboto", system-ui, -apple-system, "Segoe UI", Helvetica, Arial, sans-serif;
  --font-cond: "Roboto Condensed", "Roboto", system-ui, Arial Narrow, sans-serif;
  --measure: 62ch;
  --gutter-l: max(16px, env(safe-area-inset-left, 0px));
  --gutter-r: max(16px, env(safe-area-inset-right, 0px));
  --radius: 4px;
  color-scheme: light only;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--fg);
  font-family: var(--font); font-size: 17px; line-height: 1.6;
  -webkit-font-smoothing: antialiased; overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--accent-ink); text-decoration: none; }
a:hover { text-decoration: underline; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }
h1, h2, h3, h4 { font-weight: 300; line-height: 1.15; margin: 0; text-wrap: balance; letter-spacing: -.01em; }
p { margin: 0; }
ul { margin: 0; padding: 0; list-style: none; }

/* --- building blocks ------------------------------------------------- */
.wrap { max-width: 1180px; margin-inline: auto; padding-left: var(--gutter-l); padding-right: var(--gutter-r); }
.band { padding-block: clamp(56px, 8vw, 110px); }
.band--soft { background: var(--bg-soft); }
.band--soft2 { background: var(--bg-soft-2); }
.eyebrow {
  font-family: var(--font-cond); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase;
  color: var(--fg-muted); display: inline-flex; align-items: center; gap: 10px; margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 10px; height: 10px; background: var(--lime); flex: none; }
/* section labels ("Where the risk is", "How we work", …) read as headers: larger type, larger mark */
p.eyebrow { font-size: 1.1rem; letter-spacing: .16em; gap: 14px; margin-bottom: 18px; color: var(--accent-ink); }
p.eyebrow::before { width: 18px; height: 18px; }
.h-section { font-size: clamp(1.9rem, 3.4vw, 2.7rem); color: var(--accent-ink); }
.h-section strong { font-weight: 400; color: var(--fg); }
.lede { font-size: 1.15rem; color: var(--fg-muted); max-width: var(--measure); margin-top: 18px; }
.muted { color: var(--fg-muted); }
.btn {
  display: inline-flex; align-items: center; gap: 10px; padding: 13px 22px; border-radius: var(--radius);
  font-weight: 500; font-size: .95rem; letter-spacing: .01em; border: 1.5px solid transparent;
  transition: transform .18s ease, background .18s ease, border-color .18s ease, color .18s ease;
  cursor: pointer; font-family: inherit;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn--primary { background: var(--accent); color: #fff; }
.btn--primary:hover { background: var(--accent-ink); }
.btn--ghost { border-color: var(--rule); color: var(--fg); background: transparent; }
.btn--ghost:hover { border-color: var(--fg); }
.btn svg { width: 16px; height: 16px; }

/* --- header ----------------------------------------------------------- */
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; background: var(--bg);
  border-bottom: 1px solid transparent; transition: border-color .2s ease, box-shadow .2s ease;
}
.site-header.is-stuck { border-color: var(--rule); box-shadow: 0 2px 14px rgba(0,0,0,.05); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 68px; }
.brand { display: inline-flex; align-items: baseline; gap: 8px; color: var(--fg); font-size: 1.55rem; font-weight: 300; letter-spacing: -.01em; }
.brand:hover { text-decoration: none; }
.brand .sq { width: 9px; height: 9px; background: var(--lime); align-self: center; }
.brand small { font-family: var(--font-cond); font-size: .7rem; letter-spacing: .12em; text-transform: uppercase; color: var(--fg-faint); margin-left: 6px; }
.nav { display: flex; align-items: center; gap: 28px; }
.nav a { color: var(--fg-muted); font-size: .95rem; position: relative; padding-block: 4px; }
.nav a:not(.btn)::after { content: ""; position: absolute; left: 0; right: 100%; bottom: 0; height: 2px; background: var(--accent); transition: right .2s ease; }
.nav a:not(.btn):hover { text-decoration: none; color: var(--fg); }
.nav a:not(.btn):hover::after { right: 0; }
.nav .btn { padding: 9px 16px; }
.nav-toggle { display: none; background: none; border: 0; width: 44px; height: 44px; cursor: pointer; color: var(--fg); }
.nav-toggle span { display: block; width: 22px; height: 2px; background: currentColor; margin: 5px auto; transition: transform .2s, opacity .2s; }
@media (max-width: 820px) {
  .nav-toggle { display: block; }
  .nav { position: absolute; left: 0; right: 0; top: 68px; flex-direction: column; align-items: stretch; gap: 0;
         background: var(--bg); border-bottom: 1px solid var(--rule); padding: 8px var(--gutter-r) 16px var(--gutter-l);
         transform: translateY(-8px); opacity: 0; pointer-events: none; transition: opacity .2s, transform .2s; }
  .nav.is-open { opacity: 1; transform: none; pointer-events: auto; }
  .nav a { padding: 12px 4px; font-size: 1.05rem; }
  .nav .btn { margin-top: 8px; justify-content: center; }
  .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); }
}

/* --- hero ------------------------------------------------------------- */
.hero { position: relative; overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: minmax(260px, 5fr) 7fr; gap: clamp(32px, 6vw, 96px); align-items: center; padding-block: clamp(32px, 5vw, 72px); }
.hero-art { position: relative; aspect-ratio: 4 / 5; max-width: 100%; }
.hero-art img { width: 100%; height: 100%; object-fit: cover; object-position: 60% 40%; }
.hero-art::before { /* peach overlap, as on the title slide */
  content: ""; position: absolute; left: 12%; right: -40%; top: 30%; height: 22%;
  background: var(--bg-soft); mix-blend-mode: normal; z-index: 1; opacity: .92;
}
.hero-art .sq { position: absolute; width: 22px; height: 22px; background: var(--lime); left: calc(100% - 11px); top: 30%; z-index: 2; }
.hero-art .frame { position: absolute; inset: 0; border: 1px solid var(--rule); pointer-events: none; }
.hero-copy { position: relative; z-index: 2; }
.hero-copy h1 { font-size: clamp(3.6rem, 9vw, 7.2rem); font-weight: 300; letter-spacing: -.035em; line-height: .95; }
.hero-copy .tag { font-family: var(--font-cond); font-size: clamp(1.05rem, 2.1vw, 1.5rem); letter-spacing: .1em; text-transform: uppercase; color: var(--fg-muted); margin-top: 18px; line-height: 1.3; }
.hero-copy .lede { margin-top: 26px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.hero-note { margin-top: 42px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; font-size: .88rem; color: var(--fg-muted); line-height: 1.35; border-top: 1px solid var(--rule); padding-top: 22px; }
.hero-note > div { padding-left: 12px; border-left: 2px solid var(--lime); }
@media (max-width: 520px) { .hero-note { grid-template-columns: 1fr; } }
.hero-note b { display: block; font-weight: 400; color: var(--accent-ink); font-size: 1.6rem; line-height: 1.1; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
@media (max-width: 820px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .hero-art { aspect-ratio: 16 / 9; order: 2; }
  .hero-art::before { left: -20%; right: 40%; top: 55%; height: 30%; }
  .hero-art .sq { left: auto; right: 40%; top: 55%; transform: translate(50%, -50%); }
}

/* enter motion: transforms only, so the resting state is always visible */
.rise { animation: rise .7s cubic-bezier(.2,.7,.2,1) both; }
.rise-2 { animation-delay: .12s; } .rise-3 { animation-delay: .24s; } .rise-4 { animation-delay: .36s; }
@keyframes rise { from { transform: translateY(14px); } to { transform: none; } }
@media (prefers-reduced-motion: reduce) { .rise, .reveal { animation: none !important; transition: none !important; transform: none !important; } html { scroll-behavior: auto; } }
.reveal { transform: translateY(18px); transition: transform .6s cubic-bezier(.2,.7,.2,1); }
.reveal.in { transform: none; }

/* --- statement band --------------------------------------------------- */
.statement .wrap { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 72px); align-items: start; }
.statement h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); color: var(--fg); }
.statement h2 em { font-style: normal; color: var(--accent-ink); }
.statement p + p { margin-top: 16px; }
.statement-art { position: relative; aspect-ratio: 4 / 3; min-height: 260px; }
.statement-art img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.statement-art .sq { position: absolute; width: 18px; height: 18px; background: var(--lime); right: -9px; top: 40px; }
.statement .wrap:has(.statement-art) { align-items: center; }
.h-section--band, .statement .h-section--band { font-size: clamp(1.9rem, 3.4vw, 2.7rem); margin-bottom: 20px; color: var(--accent-ink); }
.h-sub { font-size: clamp(1.35rem, 2.3vw, 1.8rem); font-weight: 400; line-height: 1.25; color: var(--fg); margin: 0 0 22px; }
.h-sub em { font-style: normal; color: var(--accent-ink); }
.statement .eyebrow { margin-bottom: 12px; }
@media (max-width: 820px) { .statement .wrap { grid-template-columns: 1fr; } .statement-art { aspect-ratio: 16 / 9; min-height: 0; } }

/* --- coverage cards --------------------------------------------------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 44px; }
.card { background: var(--card); border: 1px solid var(--rule); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; min-width: 0;
        transition: transform .22s ease, box-shadow .22s ease; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card figure { margin: 0; aspect-ratio: 16 / 9; overflow: hidden; position: relative; }
.card figure img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; }
.card:hover figure img { transform: scale(1.04); }
.card figure::after { content: ""; position: absolute; left: 20px; bottom: -6px; width: 12px; height: 12px; background: var(--lime); }
.card-body { padding: 26px 24px 28px; display: flex; flex-direction: column; gap: 12px; flex: 1; }
.card h3 { font-size: 1.35rem; font-weight: 400; color: var(--accent-ink); }
.card p { color: var(--fg-muted); font-size: .98rem; }
.card ul { margin-top: 4px; display: grid; gap: 6px; color: var(--fg-muted); font-size: .92rem; }
.card li { padding-left: 18px; position: relative; }
.card li::before { content: "—"; position: absolute; left: 0; color: var(--fg-faint); }
@media (max-width: 920px) { .cards { grid-template-columns: 1fr; } }

/* --- who we protect (split with tall image) --------------------------- */
.split { display: grid; grid-template-columns: 4fr 7fr; gap: clamp(28px, 5vw, 72px); align-items: stretch; }
.split-art { position: relative; min-height: 360px; }
.split-art img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.split-art .sq { position: absolute; width: 18px; height: 18px; background: var(--lime); right: -9px; top: 48px; }
.protect-list { display: grid; gap: 0; margin-top: 36px; border-top: 1px solid var(--rule); }
.protect-list li { display: grid; grid-template-columns: 56px 1fr; gap: 20px; padding: 24px 0; border-bottom: 1px solid var(--rule); align-items: start; }
.protect-list img { width: 44px; height: 44px; object-fit: contain; }
.protect-list h3 { font-size: 1.2rem; font-weight: 400; }
.protect-list p { color: var(--fg-muted); font-size: .98rem; margin-top: 6px; }
@media (max-width: 820px) { .split { grid-template-columns: 1fr; } .split-art { min-height: 220px; } }

/* --- process steps (real sequence) ----------------------------------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin-top: 44px; border-top: 1px solid var(--rule); }
.step { padding: 28px 24px 8px 0; position: relative; min-width: 0; }
.step + .step { padding-left: 24px; border-left: 1px solid var(--rule); }
.step::before { content: ""; position: absolute; top: -1px; left: 0; width: 44px; height: 3px; background: var(--accent); }
.step .n { font-family: var(--font-cond); font-size: .8rem; letter-spacing: .14em; color: var(--fg-faint); }
.step h3 { font-size: 1.25rem; font-weight: 400; margin-top: 8px; }
.step p { color: var(--fg-muted); font-size: .95rem; margin-top: 10px; }
@media (max-width: 920px) { .steps { grid-template-columns: 1fr 1fr; } .step:nth-child(3) { border-left: 0; padding-left: 0; } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } .step + .step { border-left: 0; padding-left: 0; } }

/* --- platform modules (peach tiles, as on the model slide) ----------- */
.modules { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; }
.module { background: var(--bg-soft); padding: 26px 24px; display: grid; grid-template-columns: 52px 1fr; gap: 18px; align-items: start; border-radius: var(--radius); min-width: 0; }
.module img { width: 48px; height: 48px; object-fit: contain; }
.module h3 { font-size: 1.1rem; font-weight: 500; color: var(--fg); }
.module p { color: var(--fg-muted); font-size: .92rem; margin-top: 6px; }
.module .chip { display: inline-block; margin-top: 12px; font-family: var(--font-cond); font-size: .75rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-ink); border: 1px solid currentColor; padding: 3px 8px; border-radius: 999px; }
@media (max-width: 920px) { .modules { grid-template-columns: 1fr; } }

/* --- resources -------------------------------------------------------- */
.docs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; }
.doc { display: grid; grid-template-columns: 48px 1fr; gap: 18px; padding: 22px; border: 1px solid var(--rule); background: var(--card); border-radius: var(--radius); color: inherit; min-width: 0;
       transition: border-color .2s ease, transform .2s ease; }
.doc:hover { text-decoration: none; border-color: var(--accent); transform: translateY(-2px); }
.doc-ic { width: 44px; height: 54px; border: 1.5px solid var(--fg-faint); border-radius: 3px; position: relative; display: grid; place-items: end center; padding-bottom: 6px; font-family: var(--font-cond); font-size: .7rem; letter-spacing: .08em; color: var(--accent-ink); }
.doc-ic::before { content: ""; position: absolute; top: -1.5px; right: -1.5px; width: 14px; height: 14px; background: var(--bg); border-left: 1.5px solid var(--fg-faint); border-bottom: 1.5px solid var(--fg-faint); }
.doc h3 { font-size: 1.05rem; font-weight: 500; }
.doc p { color: var(--fg-muted); font-size: .9rem; margin-top: 6px; }
.doc .meta { font-family: var(--font-cond); font-size: .78rem; letter-spacing: .06em; color: var(--fg-faint); margin-top: 10px; text-transform: uppercase; }
@media (max-width: 920px) { .docs { grid-template-columns: 1fr; } }

/* --- leadership ------------------------------------------------------- */
.people { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 40px; }
.person { display: grid; grid-template-columns: 72px 1fr; gap: 18px; align-items: center; min-width: 0; }
.person .avatar { width: 72px; height: 72px; border-radius: 50%; background: var(--steel-soft); color: var(--steel); display: grid; place-items: center; font-weight: 500; font-size: 1.2rem; letter-spacing: .02em; }
.person h3 { font-size: 1.05rem; font-weight: 500; }
.person p { color: var(--fg-muted); font-size: .9rem; }
.person .role { font-family: var(--font-cond); letter-spacing: .08em; text-transform: uppercase; font-size: .75rem; color: var(--accent-ink); }
@media (max-width: 820px) { .people { grid-template-columns: 1fr; } }

/* --- contact ---------------------------------------------------------- */
.contact .wrap { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(28px, 5vw, 72px); }
.contact-aside p { margin-top: 14px; color: var(--fg-muted); }
.contact-aside .addr { margin-top: 28px; display: grid; gap: 14px; font-size: .95rem; }
.contact-aside .addr span { display: block; font-family: var(--font-cond); letter-spacing: .1em; text-transform: uppercase; font-size: .72rem; color: var(--fg-faint); }
.form { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form .full { grid-column: 1 / -1; }
.field label { display: block; font-size: .85rem; color: var(--fg-muted); margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--fg); background: var(--card); border: 1px solid var(--rule); border-radius: var(--radius);
  padding: 12px 14px; transition: border-color .15s ease, box-shadow .15s ease;
}
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent) 20%, transparent); }
.form .actions { grid-column: 1 / -1; display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.form .fine { font-size: .82rem; color: var(--fg-faint); }
.form-ok { grid-column: 1 / -1; padding: 22px 24px; background: var(--bg-soft); border-left: 3px solid var(--accent); }
@media (max-width: 820px) { .contact .wrap, .form { grid-template-columns: 1fr; } }

/* --- footer ----------------------------------------------------------- */
.site-footer { border-top: 1px solid var(--rule); padding-block: 36px 48px; font-size: .88rem; color: var(--fg-muted); }
.site-footer .wrap { display: flex; flex-wrap: wrap; gap: 18px 40px; justify-content: space-between; align-items: center; }
.site-footer nav { display: flex; gap: 22px; flex-wrap: wrap; }
.site-footer nav a { color: var(--fg-muted); }
.site-footer .legal { width: 100%; font-size: .8rem; color: var(--fg-faint); max-width: 80ch; }

/* --- inner pages ------------------------------------------------------ */
.page-head { padding-block: clamp(40px, 6vw, 80px) clamp(28px, 4vw, 48px); border-bottom: 1px solid var(--rule); }
.page-head h1, .page-head h2 { font-size: clamp(2.2rem, 4.5vw, 3.4rem); }
.page-head h1 span, .page-head h2 span { color: var(--accent-ink); }
.prose { max-width: var(--measure); }
.prose p + p { margin-top: 1em; }

/* ===================== Single-document site: views & transitions ===================== */
/* Without JS every view is visible in order; with JS one view shows at a time. */
.js .view { display: none; }
.js .view.is-active { display: block; }
.view { transition: opacity .18s ease, transform .18s ease; }
.view.is-leaving { opacity: 0; transform: translateY(-6px); }
.view.is-entering { opacity: 0; transform: translateY(10px); }
.view.is-active:not(.is-entering):not(.is-leaving) { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .view { transition: none; } }
html:not(.js) .view + .view { border-top: 8px solid var(--bg-soft); }

.nav a.is-active { color: var(--fg); }
.nav a.is-active:not(.btn)::after { right: 0; }

.card-more { display: inline-flex; align-items: center; gap: 6px; margin-top: auto; padding-top: 10px; font-family: var(--font-cond); font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-ink); }
.card-more svg { width: 14px; height: 14px; transition: transform .2s ease; }
.card:hover .card-more svg, .person:hover .card-more svg { transform: translateX(3px); }
a.card, a.person { color: inherit; }
a.card:hover, a.person:hover { text-decoration: none; }
a.person { padding: 16px; margin: -16px; border-radius: var(--radius); transition: background .2s ease; }
a.person:hover { background: color-mix(in srgb, var(--bg) 60%, transparent); }
.more-link { margin-top: 22px; font-size: .9rem; }

/* sub-view header */
.subhead { padding-block: clamp(36px, 5vw, 64px) clamp(24px, 3vw, 40px); border-bottom: 1px solid var(--rule); background: var(--bg-soft2); }
.subhead h1, .subhead h2 { font-size: clamp(2rem, 4vw, 3rem); }
.back { display: inline-block; font-family: var(--font-cond); font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--fg-muted); margin-bottom: 18px; }
.split--detail { grid-template-columns: 4fr 8fr; align-items: start; }
.split--detail .split-art { min-height: 420px; position: sticky; top: 90px; }
@media (max-width: 820px) { .split--detail .split-art { position: static; min-height: 220px; } }
.prose-h { font-size: 1.05rem; font-weight: 500; margin-top: 2em; margin-bottom: .6em; }
.ticks { display: grid; gap: 8px; color: var(--fg-muted); }
.ticks li { padding-left: 22px; position: relative; }
.ticks li::before { content: ""; position: absolute; left: 0; top: .55em; width: 10px; height: 10px; background: var(--lime); }
.callout { margin-top: 2em; padding: 22px 24px; background: var(--bg-soft); border-left: 3px solid var(--accent); }
.callout .eyebrow { margin-bottom: 8px; }
.callout .eyebrow::before { display: none; }
.callout p { color: var(--fg-muted); }
.prose .hero-cta { margin-top: 2.2em; }

/* CTA band */
.cta-band .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px; }

/* filters */
.filters { display: flex; flex-wrap: wrap; gap: 10px; }
.chip-btn { font: inherit; font-family: var(--font-cond); font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; padding: 8px 14px; border-radius: 999px; border: 1px solid var(--rule); background: var(--card); color: var(--fg-muted); cursor: pointer; transition: border-color .15s, color .15s, background .15s; }
.chip-btn:hover { border-color: var(--fg); color: var(--fg); }
.chip-btn.is-on { background: var(--accent); border-color: var(--accent); color: #fff; }
.docs--list { margin-top: 28px; }
.empty-note { margin-top: 20px; }

/* news */
.news-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--rule); max-width: 900px; }
.news-item { display: grid; grid-template-columns: 140px 1fr; gap: 24px; padding: 26px 0; border-bottom: 1px solid var(--rule); min-width: 0; }
.news-item time { font-family: var(--font-cond); font-size: .85rem; letter-spacing: .06em; color: var(--fg-faint); padding-top: 4px; font-variant-numeric: tabular-nums; }
.news-item .kind { display: inline-block; font-family: var(--font-cond); font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-ink); margin-bottom: 6px; }
.news-item h3 { font-size: 1.2rem; font-weight: 400; }
.news-item h3 a { color: var(--fg); }
.news-item h3 a:hover { color: var(--accent-ink); }
.news-item p { color: var(--fg-muted); margin-top: 6px; font-size: .95rem; }
.news-item .meta { display: block; margin-top: 8px; font-family: var(--font-cond); font-size: .78rem; letter-spacing: .06em; color: var(--fg-faint); text-transform: uppercase; }
@media (max-width: 600px) { .news-item { grid-template-columns: 1fr; gap: 6px; } }

/* bio panels (slide in from the right, like a profile view) */
.scrim { position: fixed; inset: 0; background: rgba(20, 14, 8, .45); z-index: 90; opacity: 0; transition: opacity .25s ease; }
.scrim.is-on { opacity: 1; }
.panel { position: fixed; top: 0; right: 0; bottom: 0; width: min(560px, 100%); background: var(--bg); z-index: 100; overflow-y: auto; box-shadow: -20px 0 60px rgba(0,0,0,.15);
         transform: translateX(100%); transition: transform .26s cubic-bezier(.2,.7,.2,1);
         padding-top: env(safe-area-inset-top, 0px); padding-right: env(safe-area-inset-right, 0px); }
.panel.is-open { transform: none; }
@media (prefers-reduced-motion: reduce) { .panel, .scrim { transition: none; } }
.has-panel { overflow: hidden; }
.panel-body { padding: 64px clamp(24px, 5vw, 48px) 48px; }
.panel-close { position: absolute; top: 14px; right: calc(14px + env(safe-area-inset-right, 0px)); width: 44px; height: 44px; border: 0; background: transparent; color: var(--fg-muted); font-size: 30px; line-height: 1; cursor: pointer; border-radius: 50%; }
.panel-close:hover { background: var(--bg-soft); color: var(--fg); }
.panel .role { display: block; margin-top: 18px; font-family: var(--font-cond); letter-spacing: .08em; text-transform: uppercase; font-size: .75rem; color: var(--accent-ink); }
.panel h2 { font-size: 2rem; margin-top: 6px; }
.panel .prose { margin-top: 20px; color: var(--fg-muted); }
.avatar--lg { width: 96px; height: 96px; font-size: 1.6rem; object-fit: cover; }
img.avatar { object-fit: cover; border-radius: 50%; }
.panel-nav { display: flex; justify-content: space-between; gap: 16px; margin-top: 40px; padding-top: 20px; border-top: 1px solid var(--rule); font-size: .9rem; }
html:not(.js) .panel { position: static; transform: none; box-shadow: none; width: auto; border-top: 8px solid var(--bg-soft); }
html:not(.js) .panel[hidden] { display: block !important; }
html:not(.js) .scrim { display: none; }

/* contact form extras */
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form .err { grid-column: 1 / -1; color: var(--accent-ink); }
.form-ok h3 { font-weight: 400; font-size: 1.3rem; }
.form-ok p { margin-top: 8px; }
.contact-aside h1, .contact-aside h2 { font-size: clamp(1.9rem, 3.4vw, 2.7rem); }
.split { overflow: visible; }
@media (max-width: 820px) { .split-art .sq { right: 12px; top: -9px; } }
.split--detail .split-art img { position: absolute; }

/* ===================== v2: compact platform, leadership, coming-soon, disclaimer ===================== */
.modules--compact { grid-template-columns: repeat(3, 1fr); }
.modules--compact .module { align-items: center; padding: 20px 22px; }
.modules--compact .module h3 { font-size: 1.05rem; }
@media (max-width: 920px) { .modules--compact { grid-template-columns: 1fr; } }

.leadership { margin-top: 36px; padding: 26px 28px; background: var(--card); border-left: 3px solid var(--accent); max-width: 72ch; }
.leadership .eyebrow { margin-bottom: 8px; }
.leadership p { color: var(--fg); font-size: 1.05rem; }

.soon-band .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px; }
.soon-band .lede { margin-top: 12px; }
.soon { min-height: 50vh; display: grid; align-items: center; }
.soon-card { max-width: 760px; padding: clamp(28px, 5vw, 56px); background: var(--bg-soft); position: relative; margin-top: 18px; }
.soon-card::before { content: ""; position: absolute; left: -11px; top: 32px; width: 22px; height: 22px; background: var(--lime); }
.soon-badge { display: inline-block; font-family: var(--font-cond); font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: #fff; background: var(--accent); padding: 5px 12px; border-radius: 999px; margin-bottom: 18px; }
.soon-card .hero-cta { margin-top: 26px; }

.disclaimer { border-top: 1px solid var(--rule); padding-block: clamp(40px, 6vw, 72px); }
.h-section--sm { font-size: clamp(1.4rem, 2.4vw, 1.8rem); }
.disclaimer-body { margin-top: 22px; max-width: 80ch; display: grid; gap: 14px; font-size: .92rem; line-height: 1.6; color: var(--fg-muted); }

/* ===================== v2b: chosen alternatives A2 B2 C2 D2 E2 ===================== */
.hero-claims { margin-top: 42px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; border-top: 1px solid var(--rule); padding-top: 22px; font-size: .95rem; line-height: 1.4; color: var(--fg); }
.hero-claims > div { padding-left: 12px; border-left: 2px solid var(--lime); }
@media (max-width: 520px) { .hero-claims { grid-template-columns: 1fr; } }
.modules--pills { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.pill { display: inline-flex; align-items: center; gap: 10px; padding: 10px 18px 10px 12px; border: 1px solid var(--rule); border-radius: 999px; background: var(--card); font-weight: 500; font-size: .95rem; }
.pill img { width: 28px; height: 28px; object-fit: contain; }
.nav a.is-soon { color: var(--fg-faint); }
.nav-soon { font-family: var(--font-cond); font-size: .62rem; letter-spacing: .1em; text-transform: uppercase; background: var(--bg-soft); color: var(--accent-ink); padding: 2px 6px; border-radius: 999px; margin-left: 6px; vertical-align: middle; }
.lede--strong { margin-top: 14px; }  /* same colour and size as the lede above it */
.pillars { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 20px; }
.pillar { font-family: var(--font-cond); letter-spacing: .1em; text-transform: uppercase; font-size: .75rem; color: var(--accent-ink); border: 1px solid currentColor; padding: 4px 10px; border-radius: 999px; }
.disc-mini { font-size: .92rem; color: var(--fg-muted); max-width: 80ch; margin-top: 10px; }
details.disc { margin-top: 14px; max-width: 80ch; }
details.disc summary { cursor: pointer; color: var(--accent-ink); font-weight: 500; list-style: none; }
details.disc summary::-webkit-details-marker { display: none; }
details.disc summary::before { content: "+ "; }
details[open].disc summary::before { content: "\2013  "; }
details.disc .disclaimer-body { margin-top: 14px; }
.disclaimer { padding-block: clamp(32px, 4vw, 48px); }

/* v2h: carrier-facing callout under How we work; contact teaser lede; phone hero wordmark */
.callout--carriers { margin-top: 44px; max-width: 72ch; }
.callout--carriers .eyebrow { display: inline-flex; }
.cta-band .lede { margin-top: 12px; max-width: 60ch; }
@media (max-width: 720px) {
  .hero h1 { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }  /* wordmark already in the header */
  .hero-copy .tag { font-size: 1.6rem; letter-spacing: .08em; margin-top: 4px; color: var(--fg); }
}