/* ============================================================
   CanDo Insurance — The CanDo Toolkit
   Brand: deep teal + warm gold on cream/charcoal
   Voice: clear, human, capable. No corporate. No jargon.
   ============================================================ */

:root{
  /* Brand */
  --teal:        #0f4f4a;
  --teal-dark:   #0a3a36;
  --teal-deep:   #062827;
  --gold:        #e8b349;
  --gold-dark:   #c8902a;
  --gold-soft:   #f5d790;

  --cream:       #faf6ee;
  --cream-2:     #f1eadb;
  --paper:       #ffffff;

  --ink:         #1d2426;   /* charcoal */
  --ink-2:       #2d3739;
  --mute:        #5b6669;
  --line:        #e2dccc;
  --line-dark:   rgba(255,255,255,.12);

  /* type */
  --font-sans: 'Satoshi', system-ui, -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-display: 'Gambarino', 'Satoshi', Georgia, serif;

  /* layout */
  --wrap: 1200px;
  --r-sm: 10px;
  --r:    14px;
  --r-lg: 22px;
  --r-xl: 32px;
  --shadow-1: 0 1px 2px rgba(10,30,30,.04), 0 6px 22px rgba(10,30,30,.06);
  --shadow-2: 0 2px 6px rgba(10,30,30,.05), 0 20px 50px rgba(10,30,30,.10);

  /* motion */
  --t: .25s cubic-bezier(.2,.7,.2,1);
}

/* ---------- reset ---------- */
*,*::before,*::after{ box-sizing:border-box; }
html{ -webkit-text-size-adjust:100%; scroll-behavior:smooth; }
body{
  margin:0;
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--cream);
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
body.modal-open{ overflow:hidden; }
img,svg{ display:block; max-width:100%; }
a{ color:inherit; text-decoration:none; }
ul{ list-style:none; padding:0; margin:0; }
button{ font: inherit; cursor:pointer; }
h1,h2,h3,h4{ margin:0; font-family: var(--font-display); font-weight: 400; letter-spacing:-.01em; color: var(--ink); }
p{ margin:0; }
:focus-visible{
  outline: 3px solid var(--gold);
  outline-offset: 3px;
  border-radius: 4px;
}

.wrap{ width: min(100% - 40px, var(--wrap)); margin-inline:auto; }

/* ---------- header ---------- */
.site-header{
  position: sticky; top:0; z-index: 50;
  background: rgba(250,246,238,.85);
  backdrop-filter: blur(12px) saturate(140%);
  -webkit-backdrop-filter: blur(12px) saturate(140%);
  border-bottom: 1px solid var(--line);
}
.header-inner{
  display:flex; align-items:center; gap: 28px;
  padding: 14px 0;
}
.brand{ display:flex; align-items:center; gap: 10px; }
.brand-logo{
  width: 148px;
  height: auto;
  display:block;
  mix-blend-mode: multiply;
}
.brand-mark{ width: 38px; height: 38px; }
.brand-text{ display:flex; flex-direction:column; line-height:1; }
.brand-name{ font-family: var(--font-display); font-size: 20px; color: var(--ink); letter-spacing:-.01em; }
.brand-sub{ font-size: 11px; color: var(--mute); letter-spacing:.18em; text-transform:uppercase; margin-top: 2px;}
.brand-name-light{ color: var(--cream); }
.brand-sub-light{ color: rgba(250,246,238,.6); }

.primary-nav{ margin-inline: auto; }
.primary-nav ul{ display:flex; gap: 6px; }
.primary-nav a{
  display:inline-block;
  padding: 8px 14px;
  border-radius: 999px;
  font-size: 14.5px;
  color: var(--ink-2);
  font-weight: 500;
  transition: background var(--t), color var(--t);
}
.primary-nav a:hover{ background: rgba(15,79,74,.08); color: var(--teal); }
.primary-nav a.is-active{
  background: var(--ink);
  color: var(--cream);
}
.primary-nav a.is-active:hover{ background: var(--ink); color: var(--cream); }

.header-actions{ display:flex; align-items:center; gap: 8px; }
.icon-btn{
  width: 38px; height: 38px;
  border-radius: 999px;
  background: transparent;
  border: 1px solid var(--line);
  color: var(--ink);
  display:grid; place-items:center;
  transition: background var(--t), border-color var(--t);
}
.icon-btn:hover{ background: var(--paper); border-color: var(--ink); }

.btn{
  display:inline-flex; align-items:center; gap: 8px;
  padding: 10px 16px;
  border-radius: 999px;
  font-weight: 600; font-size: 14.5px;
  border: 1px solid transparent;
  transition: transform var(--t), background var(--t), color var(--t), border-color var(--t), box-shadow var(--t);
  white-space: nowrap;
}
.btn-primary{ background: var(--teal); color: var(--cream); }
.btn-primary:hover{ background: var(--teal-dark); transform: translateY(-1px); box-shadow: var(--shadow-1); }
.btn-ghost{ background: transparent; color: var(--ink); border-color: var(--line); }
.btn-ghost:hover{ background: var(--paper); border-color: var(--ink); }
.btn-outline{ background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-outline:hover{ background: var(--ink); color: var(--cream); }
.btn-lg{ padding: 14px 22px; font-size: 15.5px; }

.menu-btn{ display:none; width:42px; height:42px; border-radius: 10px; background: transparent; border: 1px solid var(--line); padding: 10px; flex-direction:column; gap: 4px; }
.menu-btn span{ display:block; height: 2px; background: var(--ink); border-radius: 2px; }

/* ---------- hero ---------- */
.hero{
  position: relative;
  padding: 80px 0 90px;
  overflow: hidden;
}
.hero-grid{
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.eyebrow{
  display:inline-flex; align-items:center; gap: 8px;
  font-size: 13px; letter-spacing:.14em; text-transform:uppercase;
  color: var(--teal); font-weight: 600;
  margin-bottom: 18px;
}
.eyebrow-dot{
  width:8px; height:8px; border-radius:50%;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(232,179,73,.18);
}
.eyebrow-light{ color: var(--gold-soft); }

h1{
  font-size: clamp(40px, 6.4vw, 76px);
  line-height: 1.02;
  letter-spacing: -.02em;
  font-weight: 400;
}
h1 .hl{
  font-style: italic;
  color: var(--teal);
}
.lede{
  margin-top: 22px;
  font-size: clamp(16.5px, 1.4vw, 18.5px);
  color: var(--ink-2);
  max-width: 56ch;
  line-height: 1.55;
}
.lede-light{ color: rgba(250,246,238,.78); }

.hero-cta{ display:flex; flex-wrap:wrap; gap: 12px; margin-top: 28px; }
.hero-tag{
  margin-top: 26px;
  color: var(--mute); font-size: 14px;
}
.hero-tag .amp{ color: var(--gold); }

/* hero card */
.hero-card{
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  padding: 26px;
  box-shadow: var(--shadow-2);
  position: relative;
}
.hero-card::before{
  content:"";
  position:absolute; inset: -8px;
  border-radius: 36px;
  background: linear-gradient(135deg, var(--gold) 0%, transparent 60%);
  opacity: .14;
  z-index: -1;
}
.hero-card-head{ display:flex; align-items:center; gap: 14px; margin-bottom: 18px; }
.avatar-stack{ display:flex; }
.av{
  width:38px; height:38px; border-radius:50%;
  display:grid; place-items:center;
  font-weight: 700; font-size: 13px;
  border: 2px solid var(--paper);
  margin-left: -10px;
}
.av:first-child{ margin-left: 0; }
.av-1{ background: var(--teal); color: var(--cream); }
.av-2{ background: var(--gold); color: var(--ink); }
.av-3{ background: var(--cream-2); color: var(--ink); }
.hc-title{ font-weight: 700; font-size: 16px; }
.hc-sub{ font-size: 13.5px; color: var(--mute); }
.hc-list{ display: grid; gap: 4px; }
.hc-list a{
  display:flex; align-items:center; justify-content:space-between;
  padding: 12px 14px;
  border-radius: var(--r);
  transition: background var(--t);
}
.hc-list a:hover{ background: var(--cream); }
.hc-list strong{ font-weight: 600; font-size: 15px; }
.hc-list span{ font-size: 12.5px; color: var(--mute); }

.hero-blob{
  position: absolute;
  right: -120px; top: -120px;
  width: 520px; height: 520px;
  background:
    radial-gradient(circle at 30% 30%, rgba(232,179,73,.28), transparent 60%),
    radial-gradient(circle at 70% 70%, rgba(15,79,74,.18), transparent 60%);
  filter: blur(20px);
  z-index: 0;
  pointer-events: none;
}

/* ---------- Spanish help strip ---------- */
.spanish-help{
  background: var(--teal);
  color: var(--cream);
  padding: 22px 0;
  border-top: 1px solid rgba(255,255,255,.08);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.spanish-help-wrap{
  display:grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items:center;
  gap: 24px;
}
.spanish-help .eyebrow{
  color: rgba(250,246,238,.72);
  margin-bottom: 6px;
}
.spanish-help h2{
  margin:0;
  color: var(--cream);
  font-size: clamp(22px, 3vw, 32px);
  letter-spacing: -.03em;
}
.spanish-help p{
  margin: 8px 0 0;
  color: rgba(250,246,238,.78);
  max-width: 58ch;
}
.spanish-actions{
  display:flex;
  flex-wrap:wrap;
  justify-content:flex-end;
  gap: 10px;
}
.spanish-actions .btn-outline{
  color: var(--cream);
  border-color: rgba(250,246,238,.35);
}
.spanish-actions .btn-outline:hover{
  border-color: var(--gold);
  background: rgba(255,255,255,.08);
}

/* ---------- sections ---------- */
.section{ padding: 90px 0; position: relative; }
.section-tight{ padding: 50px 0 80px; }
.section-cream{ background: var(--cream-2); }
.section-ink{ background: var(--teal-deep); color: var(--cream); }
.section-ink h2{ color: var(--cream); }
.section-cta{
  padding: 100px 0;
  background: linear-gradient(180deg, var(--cream) 0%, var(--cream-2) 100%);
}

.section-head{ margin-bottom: 38px; max-width: 720px; }
.section-head-center{ text-align: center; margin-inline:auto; }
.section-head-center .eyebrow{ justify-content:center; }
.section-head-row{
  display:flex; align-items:end; justify-content:space-between; gap: 24px;
  max-width: none; margin-bottom: 28px;
}
.section-head h2{
  font-size: clamp(30px, 3.6vw, 46px);
  line-height: 1.08;
  letter-spacing: -.015em;
}
.section-head p{
  margin-top: 14px;
  color: var(--mute);
  font-size: 17px;
  max-width: 60ch;
}
.section-head-center p{ margin-inline:auto; }
.section-ink .section-head p{ color: rgba(250,246,238,.7); }

.link-arrow{
  display:inline-flex; align-items:center; gap: 6px;
  color: var(--teal); font-weight: 600;
  border-bottom: 1px solid transparent;
  padding-bottom: 2px;
  transition: border-color var(--t);
}
.link-arrow:hover{ border-color: var(--teal); }

/* ---------- quick actions ---------- */
.quick-grid{
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.quick{
  display:flex; flex-direction:column; gap: 6px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 22px;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
  position: relative;
}
button.quick{
  width: 100%;
  font: inherit;
  text-align: left;
  cursor: pointer;
}
.quick::after{
  content:"→";
  position:absolute; top: 22px; right: 22px;
  color: var(--mute);
  font-size: 18px; font-weight: 600;
  transition: transform var(--t), color var(--t);
}
.quick:hover{
  transform: translateY(-2px);
  box-shadow: var(--shadow-2);
  border-color: var(--teal);
}
.quick:hover::after{ transform: translateX(4px); color: var(--teal); }
.quick-feature{
  grid-column: span 2;
  background:
    linear-gradient(135deg, rgba(232,179,73,.16), transparent 46%),
    var(--paper);
}
.quick-feature .quick-title{ font-size: 20px; }
.quick-feature .quick-sub{ max-width: 42ch; }

.quick-ico{
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--cream);
  color: var(--teal);
  display:grid; place-items:center;
  margin-bottom: 12px;
}
.quick-ico svg{ width: 22px; height: 22px; }
.quick-kicker{
  display:inline-flex;
  width:max-content;
  border-radius: 999px;
  padding: 4px 9px;
  background: rgba(197,149,43,.16);
  color: var(--teal);
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
}
.quick-title{ font-weight: 700; font-size: 17px; color: var(--ink); }
.quick-sub{ font-size: 14px; color: var(--mute); }

.quick-accent{
  background: var(--teal);
  color: var(--cream);
  border-color: var(--teal);
}
.quick-accent .quick-title{ color: var(--cream); }
.quick-accent .quick-sub{ color: rgba(250,246,238,.78); }
.quick-accent .quick-ico{ background: rgba(255,255,255,.12); color: var(--gold); }
.quick-accent::after{ color: var(--gold); }
.quick-accent:hover{ background: var(--teal-dark); border-color: var(--teal-dark); }

/* ---------- lane selector ---------- */
.section-lanes{
  padding: 70px 0 90px;
  background:
    radial-gradient(circle at 10% 10%, rgba(232,179,73,.12), transparent 28%),
    linear-gradient(180deg, var(--cream) 0%, var(--cream-2) 100%);
}
.lanes-wrap{
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  padding: 46px;
  background: rgba(255,255,255,.45);
  box-shadow: var(--shadow-1);
}
.lane-grid{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.lane-grid-three{
  grid-template-columns: repeat(3, 1fr);
}
.lane{
  min-height: 300px;
  border-radius: var(--r-xl);
  padding: 34px;
  display:flex;
  flex-direction:column;
  gap: 14px;
  position: relative;
  overflow:hidden;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.lane::after{
  content:"";
  position:absolute;
  inset:auto -60px -90px auto;
  width: 220px;
  height: 220px;
  border-radius: 999px;
  opacity: .18;
  pointer-events:none;
}
.lane:hover{ transform: translateY(-3px); box-shadow: var(--shadow-2); }
.lane-personal{
  background: var(--paper);
  border: 1px solid var(--line);
}
.lane-personal::after{ background: var(--gold); }
.lane-business{
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  border: 1px solid transparent;
  color: var(--cream);
}
.lane-business::after{ background: var(--gold); opacity: .22; }
.lane-kicker{
  width: fit-content;
  padding: 5px 11px;
  border-radius: 999px;
  font-size: 11.5px;
  letter-spacing: .13em;
  text-transform: uppercase;
  font-weight: 800;
  background: rgba(232,179,73,.18);
  color: var(--gold-dark);
}
.lane-business .lane-kicker{ color: var(--gold-soft); background: rgba(255,255,255,.1); }
.lane h3{
  font-size: clamp(30px, 3vw, 42px);
  line-height: 1.05;
  max-width: 10ch;
}
.lane-business h3{ color: var(--cream); }
.lane p{
  color: var(--mute);
  font-size: 16px;
  max-width: 46ch;
}
.lane-business p{ color: rgba(250,246,238,.78); }
.lane-go{
  margin-top: auto;
  font-weight: 700;
  color: var(--teal);
}
.lane-business .lane-go{ color: var(--gold); }
.lane-unsure{
  background:
    linear-gradient(135deg, rgba(232,179,73,.16), transparent 48%),
    var(--paper);
  border: 1px solid var(--line);
}
.lane-unsure::after{ background: var(--teal); opacity: .12; }

/* ---------- routing ---------- */
.route-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
.route{
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 30px 28px;
  display:flex; flex-direction:column; gap: 10px;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
  position: relative;
}
.route:hover{ transform: translateY(-3px); box-shadow: var(--shadow-2); border-color: var(--teal); }
.route-num{
  font-family: var(--font-display);
  font-size: 14px;
  color: var(--gold-dark);
  letter-spacing: .1em;
}
.route h3{ font-size: 24px; line-height: 1.15; }
.route p{ color: var(--mute); font-size: 15px; }
.route-go{
  margin-top: auto;
  padding-top: 14px;
  color: var(--teal); font-weight: 600; font-size: 14.5px;
}
.route-accent{
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
  color: var(--cream);
  border-color: transparent;
}
.route-accent h3{ color: var(--cream); }
.route-accent p{ color: rgba(250,246,238,.8); }
.route-accent .route-num{ color: var(--gold); }
.route-accent .route-go{ color: var(--gold); }

/* ---------- tools ---------- */
.tools-grid{
  display:grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  align-items: stretch;
}
.tool{
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 26px;
  display:flex; flex-direction:column; gap: 10px;
  min-height: 250px;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.tool:hover{ transform: translateY(-3px); box-shadow: var(--shadow-2); border-color: var(--teal); }
.tool-ico{
  width:44px; height:44px; border-radius: 12px;
  background: var(--cream-2); color: var(--teal);
  display:grid; place-items:center;
  margin-bottom: 6px;
}
.tool-ico svg{ width:22px; height:22px; }
.tool h3{ font-size: 20px; line-height: 1.2; }
.tool p{ color: var(--mute); font-size: 14.5px; }
.tool-go{ margin-top: auto; padding-top: 12px; color: var(--teal); font-weight: 600; font-size: 14px; }

.tools-grid > .tool{ min-height: 250px; }
.tool-feature{
  background: var(--paper);
  border-color: var(--line);
  padding: 26px;
  overflow: visible;
  color: var(--ink);
}
.tools-grid > .tool:not(.tool-feature){ min-height: 250px; }
.tool-feature:hover{ border-color: transparent; }
.tool-feature-art{
  display:none;
}
.tool-feature-art svg{ width: 100%; max-width: 340px; }
.tool-body{ padding: 0; display:flex; flex-direction:column; gap: 10px; background: transparent; color: inherit; }
.tool-feature .tool-body h3{ font-size: 20px; line-height: 1.2; }
.tool-feature .tool-body p{ color: var(--mute); }
.tool-tag{
  display:inline-block;
  background: var(--gold);
  color: var(--ink);
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  width: fit-content;
  margin-bottom: 4px;
}
.tool-expansion{
  margin-top: 18px;
  display:flex;
  flex-wrap:wrap;
  gap: 10px;
}
.tool-expansion a{
  display:inline-flex;
  align-items:center;
  padding: 9px 14px;
  border-radius: 999px;
  background: var(--cream-2);
  border: 1px solid var(--line);
  color: var(--ink-2);
  font-size: 14px;
  font-weight: 600;
  transition: background var(--t), border-color var(--t), color var(--t);
}
.tool-expansion a:hover{
  background: var(--paper);
  border-color: var(--teal);
  color: var(--teal);
}

/* ---------- resource boards ---------- */
.resource-board{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}
.resource-card{
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  padding: 34px;
  box-shadow: var(--shadow-1);
}
.resource-card-dark{
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  border-color: transparent;
  color: var(--cream);
}
.resource-label{
  display:inline-flex;
  width: fit-content;
  padding: 5px 11px;
  border-radius: 999px;
  background: rgba(232,179,73,.18);
  color: var(--gold-dark);
  font-size: 11.5px;
  letter-spacing:.13em;
  text-transform: uppercase;
  font-weight: 800;
  margin-bottom: 14px;
}
.resource-card-dark .resource-label{
  color: var(--gold-soft);
  background: rgba(255,255,255,.1);
}
.resource-card h3{
  font-size: clamp(28px, 3vw, 40px);
  line-height: 1.08;
  margin-bottom: 20px;
}
.resource-card-dark h3{ color: var(--cream); }
.resource-card ul{
  display:grid;
  gap: 10px;
}
.resource-card li a{
  display:flex;
  justify-content:space-between;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid var(--line);
  color: var(--ink-2);
  font-weight: 600;
}
.resource-card li a::after{
  content:"→";
  color: var(--teal);
}
.resource-card-dark li a{
  border-color: rgba(255,255,255,.13);
  color: rgba(250,246,238,.86);
}
.resource-card-dark li a::after{ color: var(--gold); }

/* ---------- carrier center ---------- */
.carrier-panel{
  display:grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 40px;
  align-items:center;
  background:
    radial-gradient(circle at 8% 15%, rgba(232,179,73,.18), transparent 25%),
    var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  padding: 46px;
  box-shadow: var(--shadow-2);
}
.carrier-panel h2{
  font-size: clamp(32px, 4vw, 52px);
  line-height: 1.05;
}
.carrier-panel p:not(.eyebrow){
  margin-top: 14px;
  color: var(--mute);
  max-width: 54ch;
}
.carrier-actions{
  display:grid;
  gap: 16px;
}
.carrier-tabs{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.carrier-tabs a{
  background: var(--cream-2);
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 16px;
  color: var(--ink-2);
  font-weight: 700;
  transition: background var(--t), border-color var(--t), color var(--t), transform var(--t);
}
.carrier-tabs a:hover{
  background: var(--teal);
  border-color: var(--teal);
  color: var(--cream);
  transform: translateY(-2px);
}

/* ---------- payment center ---------- */
.payment-helper{
  display:grid;
  grid-template-columns: minmax(280px, 420px) 1fr;
  gap: 18px;
  align-items:end;
  margin-bottom: 24px;
}
.payment-search{
  display:grid;
  gap: 8px;
  font-weight: 800;
  color: var(--ink);
}
.payment-search span{
  font-size: 13px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--teal);
}
.payment-search input{
  width: 100%;
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--ink);
  border-radius: 999px;
  padding: 15px 18px;
  font: inherit;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.7);
}
.payment-helper p{
  color: var(--mute);
  font-size: 14.5px;
  max-width: 62ch;
}
.payment-grid{
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.payment-card{
  min-height: 106px;
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  gap: 14px;
  padding: 18px;
  border-radius: var(--r);
  background: var(--paper);
  border: 1px solid var(--line);
  transition: transform var(--t), border-color var(--t), box-shadow var(--t), background var(--t);
}
.payment-card:hover{
  transform: translateY(-2px);
  border-color: var(--teal);
  box-shadow: var(--shadow-1);
}
.payment-card[hidden]{ display:none; }
.payment-carrier{
  color: var(--ink);
  font-weight: 900;
  line-height: 1.18;
}
.payment-type{
  color: var(--teal);
  font-size: 13px;
  font-weight: 800;
}
.payment-type::after{
  content:" →";
  color: var(--gold-dark);
}
.payment-empty{
  margin-top: 16px;
  padding: 16px 18px;
  border-radius: var(--r);
  background: rgba(232,179,73,.18);
  color: var(--ink-2);
  font-weight: 700;
}
.claim-grid{
  display:grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.claim-card{
  min-height: 128px;
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  gap: 12px;
  padding: 18px;
  border-radius: var(--r);
  background:
    linear-gradient(135deg, rgba(232,179,73,.12), transparent 48%),
    var(--paper);
  border: 1px solid var(--line);
  transition: transform var(--t), border-color var(--t), box-shadow var(--t), background var(--t);
}
.claim-card:hover{
  transform: translateY(-2px);
  border-color: var(--teal);
  box-shadow: var(--shadow-1);
}
.claim-card[hidden]{ display:none; }
.claim-carrier{
  color: var(--ink);
  font-weight: 900;
  line-height: 1.18;
}
.claim-phone{
  color: var(--teal);
  font-size: 22px;
  font-weight: 900;
  letter-spacing: -.02em;
}
.claim-phone::before{
  content:"Call ";
  color: var(--gold-dark);
  font-size: 13px;
  letter-spacing: .02em;
}
.claim-type{
  color: var(--mute);
  font-size: 13px;
  font-weight: 800;
}

/* ---------- quick checklist modal ---------- */
.checklist-modal{
  position: fixed;
  inset: 0;
  z-index: 100;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 18px;
}
.checklist-modal.is-open{ display:flex; }
.checklist-backdrop{
  position:absolute;
  inset:0;
  background: rgba(6,45,43,.58);
  backdrop-filter: blur(10px);
}
.checklist-dialog{
  position:relative;
  width:min(720px, 100%);
  max-height: min(84vh, 820px);
  overflow:auto;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  padding: clamp(24px, 4vw, 38px);
  box-shadow: 0 30px 90px rgba(6,45,43,.32);
}
.checklist-close{
  position:absolute;
  top: 14px;
  right: 14px;
  width: 40px;
  height: 40px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--cream);
  color: var(--teal);
  font-size: 28px;
  line-height: 1;
  cursor:pointer;
}
.checklist-dialog h2{
  font-size: clamp(34px, 5vw, 54px);
  line-height: 1.04;
  max-width: 12ch;
}
.checklist-intro{
  margin: 14px 0 18px;
  color: var(--mute);
  max-width: 58ch;
}
.checklist-items{
  display:grid;
  gap: 10px;
  margin: 20px 0;
}
.checklist-items li{
  display:grid;
  grid-template-columns: 22px 1fr;
  gap: 12px;
  padding: 13px 14px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--cream);
  color: var(--ink-2);
  font-weight: 650;
}
.checklist-items li::before{
  content:"";
  width: 18px;
  height: 18px;
  margin-top: 2px;
  border-radius: 6px;
  border: 2px solid var(--teal);
  background: var(--paper);
}
.checklist-actions{
  display:flex;
  flex-wrap:wrap;
  gap: 12px;
  margin-top: 18px;
}
.checklist-footnote{
  margin-top: 18px;
  color: var(--mute);
  font-size: 13.5px;
}
.contact-dialog h2{ max-width: 13ch; }
.contact-options{
  display:grid;
  gap: 12px;
  margin-top: 20px;
}
.contact-option{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 14px;
  padding: 16px 18px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: var(--cream);
  color: var(--ink);
  font-weight: 800;
  transition: transform var(--t), border-color var(--t), background var(--t);
}
.contact-option:hover{
  border-color: var(--teal);
  transform: translateY(-1px);
  background: var(--paper);
}
.contact-option span{
  color: var(--teal);
  font-size: 14px;
  text-align:right;
}

/* ---------- gather this ---------- */
.gather-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.gather-card{
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 24px;
}
.gather-card span{
  display:block;
  color: var(--teal);
  font-weight: 800;
  margin-bottom: 8px;
}
.gather-card p{
  color: var(--mute);
  font-size: 14.5px;
}

/* ---------- biz section ---------- */
.biz-grid{
  display:grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 60px;
  align-items: start;
}
.biz-copy{ padding-top: 8px; position: sticky; top: 96px; }
.biz-bullets{ margin-top: 28px; display:grid; gap: 14px; }
.biz-bullets li{
  padding-left: 22px;
  position: relative;
  color: rgba(250,246,238,.85);
  font-size: 15.5px;
}
.biz-bullets li::before{
  content:"";
  position: absolute; left: 0; top: 9px;
  width: 10px; height: 10px;
  border-radius: 2px;
  background: var(--gold);
  transform: rotate(45deg);
}
.biz-bullets strong{ color: var(--cream); font-weight: 700; }

.biz-cards{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.biz-card{
  background: rgba(255,255,255,.04);
  border: 1px solid var(--line-dark);
  border-radius: var(--r-lg);
  padding: 24px;
  display:flex; flex-direction:column; gap: 10px;
  transition: background var(--t), border-color var(--t), transform var(--t);
}
.biz-card:hover{ background: rgba(255,255,255,.08); border-color: var(--gold); transform: translateY(-3px); }
.biz-card-head{ display:flex; align-items:center; justify-content:space-between; }
.biz-pill{
  font-size: 11px; letter-spacing: .14em; text-transform: uppercase;
  background: rgba(232,179,73,.18); color: var(--gold-soft);
  padding: 4px 10px; border-radius: 999px;
  font-weight: 700;
}
.biz-arrow{ color: var(--gold); font-size: 18px; }
.biz-card h3{ color: var(--cream); font-size: 22px; line-height: 1.2; }
.biz-card p{ color: rgba(250,246,238,.7); font-size: 14.5px; }
.biz-link{ margin-top: auto; color: var(--gold); font-weight: 600; font-size: 14px; }

/* ---------- articles ---------- */
.cat-row{
  display:flex; gap: 8px;
  margin-bottom: 28px;
  overflow-x: auto;
  padding-bottom: 6px;
  scrollbar-width: thin;
}
.cat{
  padding: 8px 16px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: var(--paper);
  font-size: 14px; font-weight: 500;
  color: var(--ink-2);
  white-space: nowrap;
  transition: background var(--t), color var(--t), border-color var(--t);
}
.cat:hover{ border-color: var(--teal); color: var(--teal); }
.cat.is-active{ background: var(--ink); color: var(--cream); border-color: var(--ink); }

.articles-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.article{
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 26px;
  display:flex; flex-direction:column; gap: 10px;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.article:hover{ transform: translateY(-2px); box-shadow: var(--shadow-1); border-color: var(--teal); }
.article[hidden]{ display:none; }
.article-cat{
  font-size: 11.5px; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold-dark);
}
.article h3{ font-size: 20px; line-height: 1.22; font-family: var(--font-sans); font-weight: 700; }
.article h3 a{ color: var(--ink); }
.article h3 a:hover{ color: var(--teal); }
.article p{ color: var(--mute); font-size: 14.5px; }
.article-meta{
  margin-top: auto; padding-top: 10px;
  font-size: 13px; color: var(--mute);
  border-top: 1px dashed var(--line);
}
.guides-layout{
  display:grid;
  grid-template-columns: .85fr 1.6fr;
  gap: 24px;
  align-items: stretch;
}
.guides-grid{
  grid-template-columns: repeat(2, 1fr);
}
.guide-feature{
  background:
    radial-gradient(circle at 12% 12%, rgba(232,179,73,.22), transparent 28%),
    linear-gradient(180deg, var(--teal) 0%, var(--teal-deep) 100%);
  border-color: transparent;
  color: var(--cream);
  padding: 34px;
}
.guide-feature h3{
  font-family: var(--font-display);
  font-weight: 400;
  font-size: clamp(30px, 3.2vw, 44px);
  line-height: 1.05;
}
.guide-feature h3 a,
.guide-feature h3 a:hover{
  color: var(--cream);
}
.guide-feature p{
  color: rgba(250,246,238,.78);
  font-size: 15.5px;
}
.guide-feature .article-cat{
  color: var(--gold-soft);
}
.guide-feature .article-meta{
  color: rgba(250,246,238,.68);
  border-color: rgba(255,255,255,.18);
}
.guide-links{
  display:grid;
  gap: 8px;
  margin: 10px 0 8px;
}
.guide-links a{
  display:flex;
  justify-content:space-between;
  gap: 14px;
  padding: 12px 0;
  color: var(--cream);
  border-bottom: 1px solid rgba(255,255,255,.14);
  font-weight: 700;
}
.guide-links a::after{
  content:"→";
  color: var(--gold);
}

/* ---------- partners ---------- */
.partner-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.partner{
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 28px;
  display:flex; gap: 18px;
  align-items: flex-start;
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.partner:hover{ transform: translateY(-3px); box-shadow: var(--shadow-2); border-color: var(--teal); }
.partner-logo{
  width: 64px; height: 64px;
  border-radius: 16px;
  background: var(--cream-2);
  display:grid; place-items:center;
  flex-shrink: 0;
}
.partner-logo svg{ width: 44px; height: 44px; }
.partner h3{ font-size: 18px; line-height: 1.2; margin-bottom: 4px; }
.partner p{ color: var(--mute); font-size: 14px; }
.partner-go{
  display:inline-block; margin-top: 10px;
  color: var(--teal); font-weight: 600; font-size: 14px;
}

/* ---------- shareable ---------- */
.share-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.share{
  border-radius: var(--r-xl);
  padding: 32px;
  display:flex; flex-direction:column; gap: 14px;
  min-height: 280px;
  transition: transform var(--t);
}
.share:hover{ transform: translateY(-3px); }
.share-1{ background: var(--cream-2); color: var(--ink); }
.share-2{ background: var(--teal); color: var(--cream); }
.share-3{ background: var(--gold); color: var(--ink); }
.share-kicker{
  font-size: 12px; letter-spacing: .14em; text-transform: uppercase;
  font-weight: 700;
  opacity: .7;
}
.share h3{
  font-size: 26px;
  line-height: 1.15;
  font-family: var(--font-display);
}
.share-2 h3, .share-3 h3{ color: inherit; }
.share-2 h3{ color: var(--cream); }
.share p{ font-size: 14.5px; opacity: .85; }
.share-foot{
  margin-top: auto;
  display:flex; align-items:center; justify-content:space-between;
  padding-top: 16px;
  border-top: 1px solid rgba(0,0,0,.1);
  font-size: 13.5px;
}
.share-2 .share-foot{ border-color: rgba(255,255,255,.18); }
.share-foot a{ font-weight: 700; }

/* ---------- bottom CTA ---------- */
.cta-wrap{
  display:grid;
  grid-template-columns: 1fr 1.4fr;
  align-items: center;
  gap: 60px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  padding: 60px;
  box-shadow: var(--shadow-2);
}
.cta-art{ display:grid; place-items:center; }
.cta-art svg{ width: 100%; max-width: 280px; }
.map-card{
  width: min(100%, 320px);
  border-radius: 34px;
  background:
    radial-gradient(circle at 88% 12%, rgba(232,179,73,.28), transparent 34%),
    linear-gradient(145deg, var(--teal), var(--teal-deep));
  color: var(--cream);
  padding: 28px;
  box-shadow: var(--shadow-2);
  border: 1px solid rgba(255,255,255,.14);
  position: relative;
  overflow: hidden;
}
.map-card:after{
  content:"";
  position:absolute;
  inset:auto -40px -60px auto;
  width: 150px;
  height: 150px;
  border-radius: 50%;
  background: rgba(232,179,73,.16);
}
.map-badge{
  display:inline-flex;
  align-items:center;
  border-radius: 999px;
  padding: 7px 11px;
  background: rgba(255,255,255,.11);
  color: var(--gold);
  font-size: 12px;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 800;
}
.map-route{
  display:flex;
  align-items:center;
  gap: 10px;
  margin: 26px 0 18px;
}
.map-dot{
  width: 48px;
  height: 48px;
  border-radius: 18px;
  display:grid;
  place-items:center;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.16);
  color: var(--cream);
  font-weight: 900;
  font-size: 20px;
}
.map-gold{
  background: var(--gold);
  color: var(--ink);
}
.map-line{
  height: 3px;
  flex:1;
  border-radius: 999px;
  background: linear-gradient(90deg, rgba(232,179,73,.25), var(--gold));
}
.map-options{
  display:flex;
  flex-wrap:wrap;
  gap: 8px;
  margin-bottom: 20px;
}
.map-options span{
  border: 1px solid rgba(255,255,255,.14);
  background: rgba(255,255,255,.08);
  color: rgba(250,246,238,.82);
  padding: 7px 9px;
  border-radius: 999px;
  font-size: 12.5px;
  font-weight: 700;
}
.map-card strong{
  display:block;
  font-family: var(--font-display);
  font-size: 30px;
  line-height: 1;
  letter-spacing: -.02em;
  max-width: 10ch;
  position: relative;
  z-index: 1;
}
.map-card p{
  margin: 12px 0 0;
  color: rgba(250,246,238,.78);
  font-size: 15px;
  position: relative;
  z-index: 1;
}
.cta-copy h2{
  font-size: clamp(34px, 4vw, 52px);
  line-height: 1.05;
  letter-spacing: -.02em;
}
.cta-copy p{
  margin-top: 14px;
  color: var(--mute); font-size: 17.5px;
  max-width: 50ch;
}
.cta-actions{ display:flex; flex-wrap:wrap; gap: 12px; margin-top: 28px; }
.cta-tag{ margin-top: 22px; color: var(--gold-dark); font-weight: 600; font-size: 14.5px; letter-spacing: .04em; }

/* ---------- footer ---------- */
.site-footer{
  background: var(--ink);
  color: var(--cream);
  padding-top: 64px;
}
.footer-grid{
  display:grid;
  grid-template-columns: 1.4fr repeat(4, 1fr);
  gap: 36px;
  padding-bottom: 48px;
}
.site-footer h4{
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 13px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin-bottom: 14px;
}
.site-footer ul{ display:grid; gap: 9px; }
.site-footer a{ color: rgba(250,246,238,.78); font-size: 14.5px; transition: color var(--t); }
.site-footer a:hover{ color: var(--gold); }
.footer-logo-card{
  width: fit-content;
  background: var(--paper);
  border-radius: 14px;
  padding: 8px 10px;
}
.brand-logo-footer{
  width: 140px;
  mix-blend-mode: normal;
}
.foot-tag{ margin-top: 14px; font-size: 15px; color: var(--cream); }
.foot-addr{ margin-top: 4px; font-size: 13.5px; color: rgba(250,246,238,.55); }
.foot-social{
  display:flex;
  flex-wrap:wrap;
  gap: 10px;
  margin-top: 18px;
}
.foot-social a{
  display:inline-flex;
  align-items:center;
  min-height: 36px;
  padding: 8px 12px;
  border: 1px solid rgba(250,246,238,.16);
  border-radius: 999px;
  background: rgba(250,246,238,.05);
  color: var(--cream);
  font-weight: 700;
}
.foot-social a:hover{
  border-color: var(--gold);
  color: var(--gold-soft);
}

.foot-bottom{
  display:flex; justify-content:space-between; gap: 16px;
  padding: 22px 0 26px;
  border-top: 1px solid rgba(255,255,255,.08);
  font-size: 13px;
  color: rgba(250,246,238,.5);
}

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1080px){
  .primary-nav a{ padding: 8px 10px; font-size: 14px; }
  .quick-grid, .route-grid, .articles-grid, .partner-grid, .share-grid{ grid-template-columns: repeat(2, 1fr); }
  .lane-grid-three{ grid-template-columns: 1fr; }
  .resource-board, .carrier-panel{ grid-template-columns: 1fr; }
  .guides-layout{ grid-template-columns: 1fr; }
  .payment-helper{ grid-template-columns: 1fr; }
  .payment-grid, .claim-grid{ grid-template-columns: repeat(3, 1fr); }
  .gather-grid{ grid-template-columns: repeat(2, 1fr); }
  .tools-grid{ grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .tool-feature{ grid-column: auto; grid-row: auto; }
  .tools-grid > .tool:not(.tool-feature){ grid-column: auto; }
  .biz-grid{ grid-template-columns: 1fr; gap: 40px; }
  .biz-copy{ position: static; }
  .biz-cards{ grid-template-columns: 1fr 1fr; }
  .hero-grid{ grid-template-columns: 1fr; gap: 40px; }
  .cta-wrap{ grid-template-columns: 1fr; gap: 30px; padding: 40px; }
  .footer-grid{ grid-template-columns: 1fr 1fr 1fr; }
}

@media (max-width: 720px){
  .primary-nav{ display:none; }
  .header-actions .btn-primary{ display:none; }
  .header-actions .btn-ghost{
    display:inline-flex;
    padding: 9px 11px;
    font-size: 13px;
    gap: 6px;
  }
  .header-actions .btn-ghost svg{ width: 14px; height: 14px; }
  .menu-btn{ display:flex; }
  .header-actions{ margin-left:auto; gap: 6px; }
  .hero{ padding: 50px 0 60px; }
  .spanish-help-wrap{ grid-template-columns: 1fr; }
  .spanish-actions{ justify-content:flex-start; }
  .spanish-actions .btn{ width:100%; }
  .quick-grid, .route-grid, .articles-grid, .partner-grid, .share-grid, .tools-grid, .biz-cards{
    grid-template-columns: 1fr;
  }
  .guides-grid{ grid-template-columns: 1fr; }
  .resource-board, .carrier-tabs, .payment-grid, .claim-grid, .gather-grid{ grid-template-columns: 1fr; }
  .carrier-panel{ padding: 28px; }
  .checklist-dialog{ max-height: 88vh; }
  .checklist-actions{ display:grid; }
  .checklist-actions .btn{ width:100%; }
  .quick-feature{ grid-column: auto; }
  .lanes-wrap{ padding: 26px; }
  .lane-grid{ grid-template-columns: 1fr; }
  .lane{ min-height: 250px; padding: 28px; }
  .section{ padding: 60px 0; }
  .section-head-row{ flex-direction: column; align-items: flex-start; }
  .cta-wrap{ padding: 28px; }
  .footer-grid{ grid-template-columns: 1fr 1fr; }
  .foot-brand{ grid-column: span 2; }
  h1{ font-size: clamp(36px, 9vw, 52px); }
  .partner{ flex-direction: column; }
  .brand-logo{ width: 126px; }
}

/* mobile menu open state */
.nav-open .primary-nav{
  display: block;
  position: absolute;
  top: 100%; left: 0; right: 0;
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  padding: 14px 20px;
}
.nav-open .primary-nav ul{ flex-direction: column; gap: 4px; }
.nav-open .primary-nav a{ display:block; }

/* reduce motion */
@media (prefers-reduced-motion: reduce){
  *{ animation: none !important; transition: none !important; }
  html{ scroll-behavior: auto; }
}