/* MP Insurance Solutions — QuoteOfTheDay.ca
   Direction: Obsidian / Strip. Black ground, brand navy surfaces, single gold accent, Montserrat. */

:root{
  --black:#050607; --carbon:#11253A; --navy:#1A3550; --graphite:#14171C; --line:rgba(255,255,255,.08);
  --gold:#C9A84C; --gold-lt:#EDD89A; --gold-dk:#8E7230;
  --white:#F4F2EC; --mist:#9AA0A8; --dim:#5C636C;
  --bg:var(--black); --fg:var(--white);
  --sans:Montserrat,"Helvetica Neue",Arial,sans-serif;
  --mono:"JetBrains Mono",ui-monospace,Menlo,monospace;
  --gutter:clamp(18px,4vw,56px);
  color-scheme:dark;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--fg);font-family:var(--sans);font-size:16px;line-height:1.5;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%}
[hidden]{display:none!important}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;color:inherit;background:none;border:0;padding:0}
:focus-visible{outline:1px solid var(--gold);outline-offset:4px}
.wrap{max-width:1360px;margin:0 auto;padding-inline:var(--gutter)}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}
.label{font:500 10px/1 var(--mono);letter-spacing:.28em;text-transform:uppercase;color:var(--gold)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* ---------- cursor, spotlight, grain ---------- */
#grain{position:fixed;inset:0;pointer-events:none;z-index:2;opacity:.035;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}

/* ---------- page wipe ---------- */
#wipe{position:fixed;inset:0;z-index:60;background:var(--gold);transform:scaleY(0);transform-origin:bottom;pointer-events:none}
#wipe.in{transform:scaleY(1);transform-origin:top;animation:wipeIn .7s cubic-bezier(.76,0,.24,1) forwards}
#wipe.out{transform-origin:bottom;animation:wipeOut .45s cubic-bezier(.76,0,.24,1) forwards}
@keyframes wipeIn{from{transform:scaleY(1)}to{transform:scaleY(0)}}
@keyframes wipeOut{from{transform:scaleY(0)}to{transform:scaleY(1)}}

/* ---------- top bar ---------- */
.bar{position:fixed;top:0;left:0;right:0;z-index:40;padding-top:env(safe-area-inset-top,0px);transition:background .4s,backdrop-filter .4s}
.bar.solid{background:rgba(5,6,7,.82);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.bar .wrap{display:flex;align-items:center;justify-content:space-between;padding-block:18px;gap:16px}
.bar .logo img{height:38px;width:auto;display:block}
.bar nav{display:flex;align-items:center;gap:26px}
.bar nav a.nl{font:500 11px var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--mist);position:relative;padding:6px 0}
.bar nav a.nl::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:1px;background:var(--gold);transition:right .35s}
.bar nav a.nl:hover,.bar nav a.nl[aria-current]{color:var(--white)}
.bar nav a.nl:hover::after,.bar nav a.nl[aria-current]::after{right:0}
.bar .tel{font:400 12px var(--mono);letter-spacing:.12em;color:var(--mist)}
.bar .burger{display:none;width:44px;height:44px;border:1px solid var(--line);place-items:center}
.bar .burger span{display:block;width:18px;height:1px;background:var(--white);box-shadow:0 -6px 0 var(--white),0 6px 0 var(--white)}
@media (max-width:980px){.bar nav .nl,.bar .tel{display:none}.bar .burger{display:grid}}
@media (max-width:560px){.bar nav .btn.ghost{display:none}}
.menu{position:fixed;inset:0;z-index:50;background:rgba(5,6,7,.96);display:none;padding:110px var(--gutter) 40px;flex-direction:column;gap:6px}
.menu.open{display:flex}
.menu a{font:300 clamp(30px,7vw,54px)/1.1 var(--sans);letter-spacing:-.03em;padding:10px 0;border-bottom:1px solid var(--line)}
.menu a b{font-weight:700}
.menu .mx{position:absolute;top:22px;right:var(--gutter);width:44px;height:44px;border:1px solid var(--line);display:grid;place-items:center;font-size:20px}
.menu .mtel{margin-top:auto;font:400 13px var(--mono);letter-spacing:.14em;color:var(--mist)}

/* ---------- buttons ---------- */
.btn{position:relative;display:inline-flex;align-items:center;gap:12px;padding:15px 26px;font:500 11px/1 var(--sans);letter-spacing:.22em;text-transform:uppercase;border:1px solid rgba(201,168,76,.5);color:var(--white);overflow:hidden;transition:color .35s,border-color .35s;will-change:transform;text-align:left}
.btn::before{content:"";position:absolute;inset:0;background:var(--gold);transform:translateY(101%);transition:transform .45s cubic-bezier(.76,0,.24,1)}
.btn:hover{color:var(--black);border-color:var(--gold)}
.btn:hover::before{transform:none}
.btn>*{position:relative}
.btn.solid{background:var(--gold);color:var(--black);border-color:var(--gold)}
.btn.solid::before{background:var(--white)}
.btn.ghost{border-color:var(--line)}
.btn small{font:400 10px var(--mono);letter-spacing:.2em;color:var(--gold)}
.btn:hover small,.btn.solid small{color:var(--black)}
.btn em{font-style:normal;transition:transform .35s}
.btn:hover em{transform:translateX(6px)}
.qrow{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:36px}
.qrow .btn{justify-content:space-between;padding:22px 26px;font-size:12px;letter-spacing:.2em}
@media (max-width:820px){.qrow{grid-template-columns:1fr}}

/* ---------- hero (home) ---------- */
.hero{position:relative;overflow:hidden}
.hero{min-height:100vh;display:grid;align-items:center}
.hero .wrap{position:relative;z-index:3;padding-block:150px 90px;width:100%}
.kick{display:flex;align-items:center;gap:18px;color:var(--mist);font:400 11px var(--mono);letter-spacing:.24em;text-transform:uppercase;margin-bottom:34px}
.kick i{width:40px;height:1px;background:var(--gold);display:block;flex:none}
.hero h1{margin:0;font-weight:300;font-size:clamp(46px,8.6vw,132px);line-height:.94;letter-spacing:-.035em;text-wrap:balance}
.hero h1 b{font-weight:700}
.hero h1 .w{display:inline-block;overflow:hidden;vertical-align:bottom}
.hero h1 .w span{display:inline-block;transform:translateY(110%);animation:rise 1.1s cubic-bezier(.2,.8,.2,1) forwards}
.hero h1 .w:nth-child(2) span{animation-delay:.08s}.hero h1 .w:nth-child(3) span{animation-delay:.16s}.hero h1 .w:nth-child(4) span{animation-delay:.24s}
@keyframes rise{to{transform:none}}
.hero .lede{max-width:52ch;color:var(--mist);font-weight:300;font-size:17px;margin:30px 0 0}
.filmsec{position:relative;z-index:3;padding-top:100px}
.filmsec .head{margin-bottom:34px}
.filmwrap{position:relative;z-index:3;overflow:hidden;padding-bottom:100px;-webkit-mask:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.film{display:flex;gap:16px;width:max-content;padding-inline:var(--gutter);will-change:transform}
.film figure{margin:0;position:relative;width:clamp(280px,28vw,460px);flex:none}
.film img{width:100%;aspect-ratio:16/10;object-fit:cover;display:block;filter:saturate(.8) brightness(.8);border:1px solid var(--line);transition:filter .5s,transform .6s cubic-bezier(.2,.8,.2,1)}
.film figure:hover img{filter:saturate(1) brightness(1);transform:translateY(-8px)}
.film figcaption{position:absolute;left:14px;bottom:14px;font:400 10px var(--mono);letter-spacing:.26em;color:var(--gold);background:rgba(5,6,7,.75);padding:7px 10px}

/* ---------- doors ---------- */
.doors{position:relative;z-index:3;border-top:1px solid var(--line);border-bottom:1px solid var(--line);display:grid;grid-template-columns:repeat(3,1fr)}
.door{position:relative;min-height:min(72vh,640px);padding:44px clamp(22px,3vw,48px);display:flex;flex-direction:column;justify-content:space-between;text-align:left;border-right:1px solid var(--line);overflow:hidden;isolation:isolate;transition:background .5s}
.door:last-child{border-right:0}
.door .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transform:scale(1.08);transition:opacity .7s,transform 1.4s cubic-bezier(.2,.8,.2,1);z-index:-2;filter:saturate(.8)}
.door .shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,6,7,.2),rgba(5,6,7,.85) 70%);z-index:-1;opacity:0;transition:opacity .7s}
.door::before{content:"";position:absolute;inset:0;background:radial-gradient(420px 420px at var(--mx,50%) var(--my,50%),rgba(201,168,76,.16),transparent 60%);opacity:0;transition:opacity .5s;z-index:-1}
.door::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);transform:scaleX(0);transition:transform .7s cubic-bezier(.2,.8,.2,1)}
.door:hover .bg{opacity:.5;transform:scale(1)}
.door:hover .shade,.door:hover::before{opacity:1}
.door:hover::after{transform:none}
.door .n{font:400 11px var(--mono);letter-spacing:.3em;color:var(--dim);display:flex;justify-content:space-between;align-items:center}
.door .n em{font-style:normal;color:var(--gold);opacity:0;transform:translateX(-8px);transition:opacity .4s,transform .4s}
.door:hover .n em{opacity:1;transform:none}
.door .glyph{width:170px;height:170px;margin:40px 0 0;opacity:.14;transition:opacity .5s,transform .8s cubic-bezier(.2,.8,.2,1);transform:translateY(10px)}
.door:hover .glyph{opacity:.6;transform:translateY(0) rotateY(18deg)}
.door h2{margin:0;font-weight:300;font-size:clamp(34px,4.2vw,66px);letter-spacing:-.03em;line-height:1;transition:letter-spacing .5s}
.door:hover h2{letter-spacing:-.01em}
.door p{margin:14px 0 0;color:var(--mist);font-weight:300;font-size:15px;max-width:30ch}
.door .go{margin-top:28px;display:inline-flex;align-items:center;gap:14px;font:500 11px var(--sans);letter-spacing:.24em;text-transform:uppercase;color:var(--white)}
.door .go i{display:block;width:34px;height:1px;background:var(--white);transition:width .4s,background .4s}
.door:hover .go i{width:60px;background:var(--gold)}
@media (max-width:860px){.doors{grid-template-columns:1fr}.door{border-right:0;border-bottom:1px solid var(--line);min-height:0;padding-block:38px}.door .glyph{display:none}.door .bg{opacity:.25}}

/* ---------- sections ---------- */
.section{position:relative;z-index:3;padding-block:120px}
.section.tight{padding-block:80px}
.head{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:28px;align-items:end;margin-bottom:56px}
.head h2{margin:14px 0 0;font-weight:300;font-size:clamp(34px,4.4vw,64px);letter-spacing:-.03em;line-height:1.02;text-wrap:balance}
.head h2 b{font-weight:700}
.head p{margin:0;color:var(--mist);font-weight:300;max-width:46ch}
@media (max-width:820px){.head{grid-template-columns:1fr}.section{padding-block:90px}}

.state .wrap{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.state h2{margin:0;font-weight:300;font-size:clamp(34px,4.4vw,68px);letter-spacing:-.03em;line-height:1.02}
.state h2 b{font-weight:700;color:var(--gold-lt)}
.sphoto{margin-top:38px;position:relative;aspect-ratio:16/10;max-width:100%}
.sphoto img{width:100%;height:100%;object-fit:cover;display:block;filter:saturate(.85)}
.sphoto::after{content:"";position:absolute;inset:14px -14px -14px 14px;border:1px solid rgba(201,168,76,.45);pointer-events:none}
.facts{display:grid;border-top:1px solid var(--line)}
.fact{display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:baseline;padding:22px 0;border-bottom:1px solid var(--line);transition:padding-left .4s}
.fact:hover{padding-left:12px}
.fact b{font:300 40px/1 var(--sans);letter-spacing:-.03em;color:var(--white);min-width:130px;font-variant-numeric:tabular-nums}
.fact span{color:var(--mist);font-weight:300;font-size:14px}
@media (max-width:860px){.state .wrap{grid-template-columns:1fr}.sphoto{margin-bottom:10px}}

.steps{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.step{padding:34px 28px 38px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);position:relative;isolation:isolate;overflow:hidden}
.step::before{content:"";position:absolute;inset:0;background:radial-gradient(360px 360px at var(--mx,50%) var(--my,50%),rgba(201,168,76,.12),transparent 60%);opacity:0;transition:opacity .4s;z-index:-1}
.step:hover::before{opacity:1}
.step .label{display:block;margin-bottom:26px}
.step h3{margin:0;font-weight:300;font-size:26px;letter-spacing:-.02em;line-height:1.1}
.step p{margin:12px 0 0;color:var(--mist);font-weight:300;font-size:14px}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

.team{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.member{background:var(--black);padding:30px 28px 32px;display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:start;transition:background .4s}
.member:hover{background:var(--carbon)}
.member .av{width:64px;height:64px;border-radius:50%;border:1px solid rgba(201,168,76,.5);display:grid;place-items:center;font:500 16px var(--sans);color:var(--gold);letter-spacing:.06em;overflow:hidden;flex:none}
.member .av img{width:100%;height:100%;object-fit:cover;display:block}
.member h3{margin:0;font-weight:500;font-size:18px;letter-spacing:-.01em}
.member .role{font:400 10px var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin:6px 0 10px}
.member p{margin:0;color:var(--mist);font-weight:300;font-size:13px}
@media (max-width:900px){.team{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.team{grid-template-columns:1fr}}

.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.review{border:1px solid var(--line);padding:30px 28px;display:flex;flex-direction:column;gap:18px;background:rgba(17,37,58,.35);transition:border-color .4s,transform .4s}
.review:hover{border-color:rgba(201,168,76,.5);transform:translateY(-4px)}
.review .stars{color:var(--gold);letter-spacing:.2em;font-size:12px}
.review p{margin:0;font-weight:300;font-size:15px;line-height:1.6;color:var(--white)}
.review .who{margin-top:auto;font:400 11px var(--mono);letter-spacing:.14em;color:var(--mist);text-transform:uppercase}
@media (max-width:900px){.reviews{grid-template-columns:1fr}}

.marq{border-top:1px solid var(--line);border-bottom:1px solid var(--line);overflow:hidden;position:relative;z-index:3;-webkit-mask:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);mask:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.marq .t{display:flex;gap:64px;width:max-content;padding:18px 0;animation:mq 60s linear infinite;font:400 11px var(--mono);letter-spacing:.3em;text-transform:uppercase;color:var(--dim);white-space:nowrap}
.marq .t b{color:var(--gold);font-weight:500}
@keyframes mq{to{transform:translateX(-50%)}}

.cta{position:relative;z-index:3;padding-block:110px}
.cta .box{border:1px solid var(--line);padding:clamp(28px,5vw,64px);display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center;background:linear-gradient(135deg,rgba(201,168,76,.08),transparent 50%)}
.cta h2{margin:0;font-weight:300;font-size:clamp(30px,3.6vw,54px);letter-spacing:-.03em;line-height:1.02}
.cta h2 b{font-weight:700}
.cta p{margin:14px 0 0;color:var(--mist);font-weight:300;max-width:46ch}
.cta .num{font:300 clamp(22px,2.6vw,34px) var(--sans);letter-spacing:-.02em;color:var(--white)}
.cta .num small{display:block;font:400 10px var(--mono);letter-spacing:.3em;color:var(--gold);margin-bottom:10px}
.cta .acts{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}
@media (max-width:820px){.cta .box{grid-template-columns:1fr}}

footer{position:relative;z-index:3;padding-block:60px 40px;color:var(--dim);font-size:12px;border-top:1px solid var(--line)}
footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;align-items:start}
footer img{height:40px;width:auto;display:block;margin-bottom:16px;opacity:.9}
footer p{margin:0 0 6px;font-weight:300}
footer .mono{color:var(--mist)}
footer h4{margin:0 0 12px;font:500 10px var(--mono);letter-spacing:.28em;text-transform:uppercase;color:var(--gold)}
footer a:hover{color:var(--white)}
footer .legal{grid-column:1/-1;border-top:1px solid var(--line);padding-top:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
@media (max-width:820px){footer .wrap{grid-template-columns:1fr 1fr}}
@media (max-width:520px){footer .wrap{grid-template-columns:1fr}}

/* ---------- sub pages ---------- */
.sub-hero{padding:170px 0 60px;position:relative;z-index:3;overflow:hidden}
.sub-hero .bgp{position:absolute;inset:0;z-index:-1}
.sub-hero .bgp img{width:100%;height:100%;object-fit:cover;object-position:center 40%;opacity:.42;filter:saturate(.8)}
.sub-hero .bgp::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,6,7,.9),rgba(5,6,7,.55) 55%,rgba(5,6,7,.3)),linear-gradient(180deg,rgba(5,6,7,.5),transparent 40%,var(--black) 100%)}
.back{display:inline-flex;align-items:center;gap:12px;font:500 10px var(--mono);letter-spacing:.3em;text-transform:uppercase;color:var(--mist);margin-bottom:40px}
.back i{width:30px;height:1px;background:var(--mist);display:block;transition:width .3s}
.back:hover i{width:50px}
.sub-hero h1{margin:18px 0 0;font-weight:300;font-size:clamp(44px,7vw,110px);letter-spacing:-.035em;line-height:.96;text-wrap:balance}
.sub-hero h1 b{font-weight:700}
.sub-hero p{max-width:50ch;color:var(--mist);font-weight:300;font-size:17px;margin:26px 0 0}
.sub-hero .acts{display:flex;gap:10px;flex-wrap:wrap;margin-top:30px}

.opts{position:relative;z-index:3;display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.opts.two{grid-template-columns:repeat(2,1fr)}
.opt{position:relative;text-align:left;padding:38px 34px 34px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:250px;display:flex;flex-direction:column;justify-content:space-between;overflow:hidden;isolation:isolate;transition:background .4s;color:var(--white)}
.opt::before{content:"";position:absolute;inset:0;background:radial-gradient(360px 360px at var(--mx,50%) var(--my,50%),rgba(201,168,76,.14),transparent 60%);opacity:0;transition:opacity .4s;z-index:-1}
.opt:hover::before{opacity:1}
.opt .label{margin-bottom:22px;display:block}
.opt h3{margin:0;font-weight:300;font-size:30px;letter-spacing:-.025em;line-height:1.05}
.opt p{margin:10px 0 0;color:var(--mist);font-weight:300;font-size:14px;max-width:32ch}
.opt .go{margin-top:26px;display:inline-flex;align-items:center;gap:12px;font:500 10px var(--sans);letter-spacing:.24em;text-transform:uppercase}
.opt .go i{width:28px;height:1px;background:var(--gold);display:block;transition:width .4s}
.opt:hover .go i{width:52px}
.opt .corner{position:absolute;top:16px;right:18px;font:400 10px var(--mono);letter-spacing:.2em;color:var(--dim)}
@media (max-width:900px){.opts,.opts.two{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.opts,.opts.two{grid-template-columns:1fr}.opt{min-height:0}}

.list{display:grid;grid-template-columns:1fr 1fr;gap:0 40px;border-top:1px solid var(--line)}
.list div{padding:18px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:auto 1fr;gap:16px;align-items:baseline;font-weight:300;font-size:15px;color:var(--white)}
.list div span{font:400 10px var(--mono);letter-spacing:.2em;color:var(--gold)}
.list div small{display:block;color:var(--mist);font-size:13px;margin-top:4px}
@media (max-width:700px){.list{grid-template-columns:1fr}}

.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;font-weight:400;font-size:18px;letter-spacing:-.01em}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font:300 26px var(--sans);color:var(--gold);transition:transform .3s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 24px;color:var(--mist);font-weight:300;max-width:70ch}

/* ---------- forms ---------- */
.form{display:grid;gap:14px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form label{display:grid;gap:8px;font:500 10px var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.form input,.form select,.form textarea{width:100%;background:rgba(17,37,58,.35);border:1px solid var(--line);color:var(--white);font:400 15px var(--sans);padding:14px 16px;border-radius:0;transition:border-color .3s}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold)}
.form textarea{min-height:120px;resize:vertical}
.form select option{background:#0B1520}
.form .checks{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:8px}
.form .check{display:flex;align-items:center;gap:12px;border:1px solid var(--line);padding:14px 16px;font:400 14px var(--sans);letter-spacing:0;text-transform:none;color:var(--white);cursor:pointer;transition:border-color .3s,background .3s}
.form .check:has(input:checked){border-color:var(--gold);background:rgba(201,168,76,.08)}
.form .check input{width:16px;height:16px;accent-color:var(--gold);margin:0}
.form .hint{font:400 12px var(--sans);letter-spacing:0;text-transform:none;color:var(--dim)}
.form .acts{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:8px}
.form .err{color:#E39A8C;font-size:13px;display:none}
.form .err.on{display:block}
.thanks{border:1px solid rgba(201,168,76,.5);padding:34px;display:none}
.thanks.on{display:block}
.thanks h3{margin:0 0 10px;font-weight:300;font-size:30px;letter-spacing:-.025em}
.thanks p{margin:0;color:var(--mist);font-weight:300}
@media (max-width:640px){.form .row{grid-template-columns:1fr}}

/* stepper */
.stepper{display:flex;gap:6px;margin-bottom:30px;flex-wrap:wrap}
.stepper span{font:400 10px var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--dim);padding:8px 12px;border:1px solid var(--line)}
.stepper span.on{color:var(--black);background:var(--gold);border-color:var(--gold)}
.stepper span.done{color:var(--gold);border-color:rgba(201,168,76,.5)}
.pane{display:none}
.pane.on{display:block}
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:8px}
.tile{border:1px solid var(--line);padding:22px 20px;text-align:left;color:var(--white);display:grid;gap:6px;transition:border-color .3s,background .3s}
.tile b{font-weight:500;font-size:16px}
.tile small{color:var(--mist);font-size:12px;font-weight:300}
.tile.on{border-color:var(--gold);background:rgba(201,168,76,.1)}
.tile:hover{border-color:rgba(201,168,76,.6)}

/* ---------- quote panel ---------- */
.panel{position:fixed;inset:0;z-index:70;pointer-events:none}
.panel .dim{position:absolute;inset:0;background:rgba(0,0,0,.75);opacity:0;transition:opacity .4s;backdrop-filter:blur(6px)}
.panel .sheet{position:absolute;top:0;right:0;bottom:0;width:min(1040px,100%);background:var(--carbon);border-left:1px solid rgba(201,168,76,.35);transform:translateX(102%);transition:transform .6s cubic-bezier(.76,0,.24,1);display:grid;grid-template-columns:300px 1fr}
.panel.open{pointer-events:auto}.panel.open .dim{opacity:1}.panel.open .sheet{transform:none}
.rail{padding:34px 28px;border-right:1px solid var(--line);display:flex;flex-direction:column;gap:26px;background:var(--black);overflow:auto}
.rail h3{margin:10px 0 0;font-weight:300;font-size:30px;letter-spacing:-.025em;line-height:1.05}
.rail .s{font-size:13px;color:var(--mist);font-weight:300;margin-top:8px}
.chips{display:grid;gap:4px}
.chip{display:flex;align-items:center;justify-content:space-between;padding:13px 14px;border:1px solid var(--line);font-size:13px;text-align:left;transition:border-color .3s,background .3s;color:var(--white)}
.chip:hover,.chip.on{border-color:var(--gold)}
.chip.on{background:rgba(26,53,80,.6)}
.chip small{font:400 10px var(--mono);letter-spacing:.14em;color:var(--dim);text-transform:uppercase}
.trust{list-style:none;margin:0;padding:0;display:grid;gap:10px;font-size:12px;color:var(--mist);font-weight:300}
.trust li{display:flex;gap:10px}.trust li::before{content:"";width:6px;height:6px;background:var(--gold);flex:none;margin-top:6px}
.stage{display:flex;flex-direction:column;min-height:0;background:var(--black)}
.stage .top{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 28px;border-bottom:1px solid var(--line)}
.crumbs{display:flex;gap:14px;font:400 10px var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--dim);flex-wrap:wrap}.crumbs b{color:var(--white);font-weight:500}
.x{width:40px;height:40px;border:1px solid var(--line);display:grid;place-items:center;font-size:18px;transition:border-color .3s,transform .3s}
.x:hover{border-color:var(--gold);transform:rotate(90deg)}
.frame{flex:1;min-height:0;margin:0;position:relative;background:var(--black)}
.frame iframe{width:100%;height:100%;border:0;display:block;min-height:650px}
.frame .empty{position:absolute;inset:0;display:grid;place-items:center;text-align:center;padding:30px;background:var(--black)}
.frame .empty h4{margin:0;font-weight:300;font-size:30px;letter-spacing:-.025em}
.frame .empty p{max-width:44ch;color:var(--mist);font-size:14px;font-weight:300;margin:12px 0 26px}
@media (max-width:820px){.panel .sheet{grid-template-columns:1fr;grid-template-rows:auto 1fr;overflow:auto}.rail{border-right:0;border-bottom:1px solid var(--line);gap:16px;padding:22px 20px}.rail .trust{display:none}.frame iframe{min-height:900px}}

@media (prefers-reduced-motion:reduce){
  .marq .t,.hero h1 .w span,#wipe.in,#wipe.out{animation:none;transform:none}
  #wipe{display:none}
  .btn::before,.door .bg,.door .glyph,.opt::before{transition:none}
}

/* ---------- mascot: The Shield (3D hero) ---------- */
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}
.hero3d{position:absolute;right:0;top:0;bottom:0;width:min(46vw,760px);z-index:2;pointer-events:none}
.hero3d .hv{position:absolute;left:50%;bottom:0;transform:translateX(-50%);height:100%;width:auto;max-width:none;display:block;opacity:0;transition:opacity 1.2s;-webkit-mask:radial-gradient(70% 62% at 50% 55%,#000 55%,transparent 100%);mask:radial-gradient(70% 62% at 50% 55%,#000 55%,transparent 100%)}
.hero3d.ready .hv{opacity:1}
.hero3d .tray{position:absolute;left:var(--tx,50%);top:var(--ty,52%);width:0;height:0;pointer-events:none}
.hero3d .tray .ic{position:absolute;left:-46px;top:-100px;width:92px;height:92px;opacity:0;transform-origin:50% 100%;transform:translateY(0) scale(.5);filter:drop-shadow(0 6px 18px rgba(201,168,76,.35))}
.hero3d .tray .ic.pop{animation:icpop 3.2s cubic-bezier(.2,.8,.2,1) forwards}
@keyframes icpop{0%{opacity:0;transform:translateY(0) scale(.5)}14%{opacity:1;transform:translateY(-10px) scale(1)}50%{transform:translateY(-18px) scale(1)}86%{opacity:1;transform:translateY(-14px) scale(1)}100%{opacity:0;transform:translateY(-44px) scale(.9)}}
.hero3d .tray .ic svg{width:100%;height:100%}
.hero3d .tray .ic svg path,.hero3d .tray .ic svg circle,.hero3d .tray .ic svg rect{fill:none;stroke:#EDD89A;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.hero3d .hm2d{position:absolute;right:var(--gutter);bottom:90px;height:min(66vh,640px);width:auto;filter:drop-shadow(0 40px 60px rgba(0,0,0,.7)) drop-shadow(0 0 60px rgba(201,168,76,.18));animation:float 7s ease-in-out infinite;transition:opacity .8s}
.hero3d.ready .hm2d{opacity:0}
.hero3d .hcap{position:absolute;left:50%;bottom:70px;transform:translateX(-50%);font:500 10px var(--mono);letter-spacing:.34em;text-transform:uppercase;color:var(--gold);opacity:0;transition:opacity .6s;white-space:nowrap}
.hero3d.ready .hcap{opacity:1}
.hero3d .hcap::before{content:"";display:block;width:1px;height:26px;background:linear-gradient(180deg,transparent,var(--gold));margin:0 auto 10px}
@media (max-width:1180px){.hero3d{width:min(50vw,560px)}.hero3d .hm2d{height:min(56vh,520px)}}
@media (max-width:980px){
  .hero{display:block}
  .hero .wrap{padding-bottom:0}
  .hero3d{position:relative;width:100%;height:min(70vh,560px);margin:10px 0 30px}
  .hero3d .hm2d{right:50%;transform:translateX(50%);bottom:40px;height:min(56vh,440px)}
  .hero3d .hcap{bottom:14px}
}
.hero .wrap{padding-right:clamp(0px,42vw,760px)}
@media (max-width:980px){.hero .wrap{padding-right:var(--gutter)}}


.rail .rm{margin-top:auto;display:flex;align-items:flex-end;gap:14px}
.rail .rm img{height:150px;width:auto;display:block;filter:drop-shadow(0 10px 20px rgba(0,0,0,.6))}
.rail .rm div{font:400 11px var(--mono);letter-spacing:.14em;color:var(--dim);line-height:1.7}
@media (max-width:820px){.rail .rm{display:none}}

.sub-hero.lost .wrap{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:40px;align-items:end}
.sub-hero.lost .lm{height:min(60vh,560px);filter:drop-shadow(0 30px 50px rgba(0,0,0,.7));animation:float 7s ease-in-out infinite}
.sub-hero.lost .lm img{height:100%;width:auto;display:block}
@media (max-width:760px){.sub-hero.lost .wrap{grid-template-columns:1fr}.sub-hero.lost .lm{height:300px}}

/* ---------- full-page quote (quote.html) ---------- */
.qhero{padding:150px 0 30px;position:relative;z-index:3}
.qhero h1{margin:14px 0 0;font-weight:300;font-size:clamp(38px,6vw,84px);letter-spacing:-.035em;line-height:.98}
.qhero h1 b{font-weight:700}
.qhero p{max-width:52ch;color:var(--mist);font-weight:300;font-size:16px;margin:18px 0 0}
.qchips{display:flex;flex-wrap:wrap;gap:6px;margin-top:26px}
.qchips .chip{padding:11px 14px;gap:14px}
.qembed{position:relative;z-index:3;padding-bottom:40px}
.qframe{border:1px solid rgba(201,168,76,.35);background:var(--black);min-height:70vh;position:relative}
.qframe iframe{width:100%;border:0;display:block;min-height:70vh}
.qframe .empty{padding:60px 30px;text-align:center}
.qtrust .wrap{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center;border-top:1px solid var(--line);padding-top:40px}
.qtrust .trust{grid-template-columns:repeat(2,1fr)}
.qtrust .num{font:300 clamp(22px,2.6vw,34px) var(--sans);letter-spacing:-.02em;color:var(--white)}
.qtrust .num small{display:block;font:400 10px var(--mono);letter-spacing:.3em;color:var(--gold);margin-bottom:10px}
@media (max-width:820px){.qtrust .wrap{grid-template-columns:1fr}.qtrust .trust{grid-template-columns:1fr}.qhero{padding-top:120px}}

/* ---------- reveal (slide in from the right) + 3D tilt ---------- */
.rv{opacity:0;transform:translateX(70px);transition:opacity .9s cubic-bezier(.2,.8,.2,1),transform .9s cubic-bezier(.2,.8,.2,1)}
.rv.in{opacity:1;transform:none}
.doors .door:nth-child(2).rv{transition-delay:.12s}.doors .door:nth-child(3).rv{transition-delay:.24s}
.steps5 li:nth-child(2).rv{transition-delay:.08s}.steps5 li:nth-child(3).rv{transition-delay:.16s}.steps5 li:nth-child(4).rv{transition-delay:.24s}.steps5 li:nth-child(5).rv{transition-delay:.32s}
.reviews .review:nth-child(2).rv{transition-delay:.1s}.reviews .review:nth-child(3).rv{transition-delay:.2s}
.tilt{transform-style:preserve-3d;transition:transform .5s cubic-bezier(.2,.8,.2,1),box-shadow .5s}
.tilt.on{transition:transform .08s linear,box-shadow .5s}
.tilt.on{box-shadow:0 40px 80px -30px rgba(0,0,0,.8),0 0 0 1px rgba(201,168,76,.25)}
.rv.in.tilt{transform:perspective(1200px) rotateX(var(--rx,0)) rotateY(var(--ry,0)) translateZ(0)}
.tilt::after{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(500px 500px at var(--mx,50%) var(--my,50%),rgba(255,255,255,.07),transparent 60%);opacity:0;transition:opacity .4s;z-index:1}
.tilt.on::after{opacity:1}
.door.tilt::after{z-index:0}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.tilt{transform:none!important}}

/* ---------- process (what your broker does) ---------- */
.process .wrap{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(30px,6vw,90px);align-items:start}
.pimg{position:relative;aspect-ratio:3/4;overflow:hidden;border:1px solid var(--line);background:#000;position:sticky;top:110px}
.pimg img{width:100%;height:100%;object-fit:cover;display:block;transform:scale(1.02);transition:transform 1.2s cubic-bezier(.2,.8,.2,1)}
.pimg:hover img{transform:scale(1.06)}
.pimg::after{content:"";position:absolute;inset:0;background:radial-gradient(70% 60% at 50% 40%,transparent,rgba(5,6,7,.55) 100%);pointer-events:none}
.pimg .tag{position:absolute;left:16px;bottom:16px;font:400 10px var(--mono);letter-spacing:.26em;color:var(--gold);background:rgba(5,6,7,.75);padding:7px 10px}
.process h2{margin:14px 0 0;font-weight:300;font-size:clamp(34px,4.4vw,64px);letter-spacing:-.03em;line-height:1.02}
.process h2 b{font-weight:700}
.process .sub{color:var(--mist);font-weight:300;max-width:52ch;margin:22px 0 0}
.steps5{list-style:none;margin:40px 0 0;padding:0;position:relative}
.steps5::before{content:"";position:absolute;left:23px;top:10px;bottom:10px;width:1px;background:var(--line)}
.steps5::after{content:"";position:absolute;left:23px;top:10px;width:1px;height:var(--p,0%);background:linear-gradient(180deg,var(--gold-lt),var(--gold));transition:height .3s linear}
.steps5 li{display:grid;grid-template-columns:48px 1fr;gap:22px;padding:18px 0 26px;position:relative}
.steps5 li span{width:48px;height:48px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;font:500 11px var(--mono);letter-spacing:.14em;color:var(--gold);background:var(--black);position:relative;z-index:1;transition:border-color .4s,box-shadow .4s}
.steps5 li.lit span{border-color:var(--gold);box-shadow:0 0 0 6px rgba(201,168,76,.12)}
.steps5 h3{margin:10px 0 0;font-weight:400;font-size:22px;letter-spacing:-.015em;line-height:1.15}
.steps5 p{margin:8px 0 0;color:var(--mist);font-weight:300;font-size:14px;max-width:52ch}
.process .acts{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
@media (max-width:860px){.process .wrap{grid-template-columns:1fr}.pimg{position:static;max-width:420px}}

/* ---------- careers ---------- */
.careers{position:relative;z-index:3;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding-block:90px;background:linear-gradient(135deg,rgba(201,168,76,.06),transparent 55%)}
.careers .wrap{display:grid;grid-template-columns:minmax(0,1.3fr) auto;gap:40px;align-items:center}
.careers h2{margin:14px 0 0;font-weight:300;font-size:clamp(32px,4vw,58px);letter-spacing:-.03em;line-height:1.02}
.careers h2 b{font-weight:700}
.careers p{margin:18px 0 0;color:var(--mist);font-weight:300;max-width:60ch}
.cacts{display:flex;flex-direction:column;gap:10px;align-items:stretch}
@media (max-width:820px){.careers .wrap{grid-template-columns:1fr}.cacts{flex-direction:row;flex-wrap:wrap}}

/* ---------- claims ---------- */
.carriers{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.carrier{position:relative;background:var(--black);padding:26px 24px 24px;transition:background .4s}
.carrier:hover{background:var(--carbon)}
.carrier h3{margin:0 0 12px;font-weight:500;font-size:18px;letter-spacing:-.01em}
.carrier p{margin:0 0 6px;font-size:13px;color:var(--mist)}
.carrier p.mono a{color:var(--white)}
.carrier p small{display:block;font:400 10px var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin:8px 0 2px}
.carrier .ext{color:var(--gold);font-size:12px;letter-spacing:.06em}
@media (max-width:900px){.carriers{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.carriers{grid-template-columns:1fr}}

/* ---------- coverage guide ---------- */
.cvnav{position:sticky;top:74px;z-index:20;background:rgba(5,6,7,.9);backdrop-filter:blur(10px);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cvnav .wrap{display:flex;gap:6px;overflow-x:auto;padding-block:12px;scrollbar-width:none}
.cvnav .wrap::-webkit-scrollbar{display:none}
.cvnav a{flex:none;font:500 10px var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--mist);padding:9px 12px;border:1px solid var(--line);transition:color .3s,border-color .3s}
.cvnav a:hover{color:var(--white);border-color:var(--gold)}
.cvlist{display:grid;gap:0;border-top:1px solid var(--line)}
.cv{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.3fr);gap:clamp(24px,5vw,70px);padding:48px 0;border-bottom:1px solid var(--line);scroll-margin-top:140px}
.cv h2{margin:12px 0 0;font-weight:300;font-size:clamp(28px,3.2vw,44px);letter-spacing:-.03em;line-height:1.05}
.cv .tag{margin:12px 0 0;color:var(--gold-lt);font-weight:300}
.cvb>p{margin:0;color:var(--white);font-weight:300;font-size:16px;line-height:1.7}
.cvm{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:26px}
.cvm h4{margin:0 0 8px;font:500 10px var(--mono);letter-spacing:.24em;text-transform:uppercase;color:var(--gold)}
.cvm p{margin:0;color:var(--mist);font-weight:300;font-size:14px;line-height:1.6}
.cvm>div{border-left:1px solid rgba(201,168,76,.4);padding-left:16px}
.cvb .go{margin-top:26px;display:inline-flex;align-items:center;gap:12px;font:500 10px var(--sans);letter-spacing:.24em;text-transform:uppercase}
.cvb .go i{width:28px;height:1px;background:var(--gold);display:block;transition:width .4s}
.cvb .go:hover i{width:52px}
.note{border:1px solid var(--line);padding:clamp(24px,4vw,40px);background:linear-gradient(135deg,rgba(201,168,76,.06),transparent 55%)}
.note p{margin:0;color:var(--mist);font-weight:300;max-width:80ch}
.note .acts{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
@media (max-width:860px){.cv{grid-template-columns:1fr}.cvm{grid-template-columns:1fr}.cvnav{top:66px}}

/* ---------- calculator ---------- */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(24px,5vw,60px);align-items:start}
.chips2{display:flex;flex-wrap:wrap;gap:6px}
.chips2 button{font:500 10px var(--mono);letter-spacing:.16em;text-transform:uppercase;color:var(--mist);padding:10px 12px;border:1px solid var(--line);transition:color .3s,border-color .3s}
.chips2 button:hover{color:var(--white);border-color:var(--gold)}
.calcout{border:1px solid rgba(227,154,140,.45);padding:clamp(22px,3vw,34px);background:rgba(17,37,58,.35);position:sticky;top:110px;transition:border-color .4s}
.calcout.ok{border-color:rgba(201,168,76,.6)}
.calcout .big small{display:block;font:500 10px var(--mono);letter-spacing:.26em;text-transform:uppercase;color:var(--gold)}
.calcout .big b{display:block;font:300 clamp(40px,5vw,64px)/1.1 var(--sans);letter-spacing:-.03em;margin:8px 0 18px}
.calcout .kv{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-top:1px solid var(--line);font-size:14px;color:var(--mist)}
.calcout .kv b{color:var(--white);font-weight:500;font-variant-numeric:tabular-nums}
.calcout .kv.warn b{color:#E39A8C}
.calcout.ok .kv.warn b{color:var(--gold-lt)}
.calcout .formula{margin:18px 0 8px;font:400 12px var(--mono);color:var(--gold-lt);letter-spacing:.04em}
.calcout .btn{margin-top:18px}
@media (max-width:860px){.calc{grid-template-columns:1fr}.calcout{position:static}}