:root {
  --navy: #0f5f9f;
  --navy-dark: #0b2d44;
  --forest: #183d36;
  --forest-soft: #dce5dd;
  --ink: #132231;
  --charcoal: #4b5560;
  --gold: #f0a63f;
  --gold-soft: #fff2d8;
  --paper: #f7f5ef;
  --mist: #eef3f6;
  --line: rgba(23, 33, 43, 0.12);
  --white: #ffffff;
  --shadow: 0 22px 70px rgba(16, 63, 104, 0.14);
  --photo-shadow: 0 28px 80px rgba(23, 33, 43, 0.18);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: "Avenir Next", "Noto Sans SC", "PingFang SC", "Microsoft YaHei", sans-serif;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

body.nav-open {
  overflow: hidden;
}

.brand-switch {
  position: sticky;
  top: 0;
  z-index: 60;
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  min-height: 84px;
  border-bottom: 1px solid rgba(19, 34, 49, 0.1);
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(14px);
}

.brand-switch::before {
  position: absolute;
  top: 0;
  right: 0;
  left: 0;
  height: 4px;
  content: "";
  background: linear-gradient(90deg, var(--gold), var(--navy));
}

.brand-tab {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  min-width: 0;
  padding: 12px clamp(14px, 3vw, 34px);
  color: var(--navy-dark);
  border-right: 1px solid var(--line);
  font-weight: 900;
  line-height: 1.2;
  letter-spacing: 0.01em;
  transition: background 180ms ease, color 180ms ease, border-color 180ms ease;
}

.brand-tab:hover {
  background: rgba(15, 95, 159, 0.035);
}

.brand-tab img {
  width: 58px;
  height: 46px;
  object-fit: contain;
  padding: 2px;
  background: transparent;
  filter: none;
  mix-blend-mode: normal;
  transform: translateZ(0);
}

.brand-tab span {
  max-width: 21ch;
}

.brand-tab.active::after {
  position: absolute;
  right: 0;
  bottom: 0;
  left: 0;
  height: 5px;
  content: "";
  background: var(--gold);
}

.brand-switch .language-switch {
  align-self: center;
  margin: 0 clamp(12px, 3vw, 28px);
}

.gateway-page {
  min-height: 100vh;
  background:
    linear-gradient(90deg, rgba(247, 245, 239, 0.96), rgba(247, 245, 239, 0.78)),
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1800&q=84") center / cover;
}

.gateway {
  max-width: 1180px;
  margin: 0 auto;
  padding: clamp(64px, 9vw, 116px) clamp(18px, 5vw, 70px);
}

.gateway-hero {
  max-width: 820px;
  margin-bottom: clamp(34px, 5vw, 68px);
}

.gateway-hero h1 {
  color: var(--ink);
}

.gateway-hero p {
  max-width: 720px;
  color: var(--charcoal);
  font-size: clamp(17px, 2vw, 22px);
  line-height: 1.7;
}

.gateway-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.gateway-card {
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: 520px;
  padding: clamp(28px, 5vw, 48px);
  color: var(--white);
  background: var(--navy-dark);
  isolation: isolate;
}

.gateway-card::before {
  position: absolute;
  inset: 0;
  content: "";
  background: linear-gradient(180deg, rgba(11, 45, 68, 0.08), rgba(11, 45, 68, 0.92));
  z-index: 1;
}

.gateway-card::after {
  position: absolute;
  inset: 0;
  content: "";
  background-position: center;
  background-size: cover;
  transition: transform 600ms ease;
}

.gateway-card:hover::after {
  transform: scale(1.045);
}

.life-card::after {
  background-image: url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1100&q=82");
}

.general-card::after {
  background-image: url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1100&q=82");
}

.gateway-card span,
.gateway-card h2,
.gateway-card p,
.gateway-card strong {
  position: relative;
  z-index: 2;
}

.gateway-card span {
  width: max-content;
  padding: 8px 12px;
  color: var(--navy-dark);
  background: var(--gold);
  font-size: 13px;
  font-weight: 900;
}

.gateway-card h2 {
  max-width: 520px;
  margin: 28px 0 12px;
  color: var(--white);
}

.gateway-card p {
  max-width: 520px;
  color: rgba(255, 255, 255, 0.84);
  line-height: 1.72;
}

.gateway-card strong {
  margin-top: 28px;
  color: var(--white);
}

.subbrand-hero {
  display: grid;
  align-items: end;
  min-height: calc(100vh - 84px);
  padding: clamp(56px, 9vw, 112px) clamp(18px, 5vw, 70px);
  color: var(--white);
  background: var(--navy-dark);
  isolation: isolate;
}

.subbrand-hero > div {
  max-width: 860px;
}

.subbrand-hero h1 {
  color: var(--white);
}

.subbrand-hero p:not(.eyebrow) {
  max-width: 760px;
  color: rgba(255, 255, 255, 0.86);
  font-size: clamp(17px, 2vw, 22px);
  line-height: 1.68;
}

.life-hero {
  background:
    linear-gradient(90deg, rgba(11, 45, 68, 0.92), rgba(11, 45, 68, 0.48)),
    url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1800&q=84") center / cover;
}

.general-hero {
  background:
    linear-gradient(90deg, rgba(11, 45, 68, 0.92), rgba(11, 45, 68, 0.46)),
    url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1800&q=84") center / cover;
}

.button.secondary.light {
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.38);
  background: rgba(255, 255, 255, 0.1);
}

.mobile-action-bar {
  display: none;
}

.two-column {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

body.loaded .hero-copy {
  animation: liftIn 760ms ease both;
  opacity: 1;
  transform: translateY(0);
}

body.loaded .hero-photo {
  animation: floatIn 900ms 120ms ease both;
  opacity: 1;
  transform: translateY(0);
}

a {
  color: inherit;
  text-decoration: none;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
summary:focus-visible {
  outline: 3px solid rgba(249, 179, 82, 0.75);
  outline-offset: 3px;
}

img {
  display: block;
  max-width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 24px;
  min-height: 78px;
  padding: 12px clamp(18px, 4vw, 54px);
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-weight: 800;
  color: var(--navy-dark);
  white-space: nowrap;
}

.brand img {
  width: 54px;
  height: 43px;
  object-fit: contain;
}

.site-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: clamp(12px, 2vw, 24px);
  color: var(--charcoal);
  font-size: 13px;
  font-weight: 800;
}

.site-nav a {
  position: relative;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  padding: 8px 0;
}

.site-nav a::after {
  position: absolute;
  right: 0;
  bottom: 1px;
  left: 0;
  height: 2px;
  content: "";
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 180ms ease;
}

.site-nav a:hover::after {
  transform: scaleX(1);
}

.header-actions {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.language-switch,
.header-whatsapp,
.button {
  min-height: 44px;
  border-radius: 6px;
  font: inherit;
  font-weight: 800;
}

.language-switch {
  min-width: 48px;
  border: 1px solid var(--line);
  color: var(--navy-dark);
  background: var(--white);
  cursor: pointer;
}

.header-whatsapp {
  display: inline-flex;
  align-items: center;
  padding: 0 16px;
  color: var(--white);
  background: var(--navy);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: var(--navy-dark);
}

.hero {
  position: relative;
  min-height: calc(100vh - 76px);
  padding: clamp(50px, 8vw, 92px) clamp(18px, 5vw, 70px) clamp(34px, 5vw, 56px);
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.94), rgba(247, 245, 239, 0.92) 48%, rgba(247, 245, 239, 0.72)),
    radial-gradient(circle at 8% 12%, rgba(240, 166, 63, 0.16), transparent 32%),
    var(--paper);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.94fr) minmax(300px, 0.58fr);
  gap: clamp(34px, 5vw, 78px);
  align-items: end;
  max-width: 1180px;
  min-height: calc(100vh - 184px);
  margin: 0 auto;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1 {
  max-width: 860px;
  margin: 0;
  color: var(--ink);
  font-family: "Avenir Next", "Noto Sans SC", "PingFang SC", "Microsoft YaHei", sans-serif;
  font-size: clamp(38px, 5.4vw, 68px);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: 0;
}

.hero-lede {
  max-width: 700px;
  margin: 28px 0 0;
  color: var(--charcoal);
  font-size: clamp(17px, 2vw, 22px);
  line-height: 1.75;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 34px;
}

.hero-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 24px;
}

.hero-pills span {
  padding: 9px 12px;
  border: 1px solid rgba(15, 95, 159, 0.16);
  border-radius: 999px;
  color: var(--navy-dark);
  background: rgba(255, 255, 255, 0.72);
  font-size: 13px;
  font-weight: 900;
}

.hero-credentials {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  max-width: 680px;
  margin-top: 34px;
  border: 1px solid var(--line);
  background: var(--line);
}

.hero-credentials span {
  min-height: 68px;
  padding: 14px;
  color: var(--navy-dark);
  background: rgba(255, 255, 255, 0.86);
  font-size: 13px;
  font-weight: 900;
  line-height: 1.4;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 22px;
  border: 1px solid transparent;
  cursor: pointer;
}

.button.primary {
  color: var(--white);
  background: var(--navy);
  box-shadow: 0 16px 34px rgba(15, 95, 159, 0.22);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.button.secondary {
  color: var(--navy-dark);
  border-color: rgba(15, 95, 159, 0.24);
  background: rgba(255, 255, 255, 0.76);
  transition: transform 180ms ease, border-color 180ms ease, background 180ms ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button.primary:hover {
  background: var(--navy-dark);
  box-shadow: 0 20px 42px rgba(15, 95, 159, 0.28);
}

.button.secondary:hover {
  border-color: rgba(240, 166, 63, 0.9);
  background: var(--white);
}

.hero-photo {
  position: relative;
  overflow: hidden;
  min-height: 440px;
  border-radius: 4px;
  background: var(--white);
  box-shadow: var(--photo-shadow);
}

.hero-photo::before {
  position: absolute;
  inset: 0;
  content: "";
  background: linear-gradient(180deg, transparent 38%, rgba(16, 63, 104, 0.76));
  z-index: 1;
}

.hero-photo::after {
  position: absolute;
  top: 22px;
  right: 22px;
  width: 112px;
  height: 90px;
  content: "";
  background: url("assets/sq-logo-official.png") center / 86% auto no-repeat rgba(255, 255, 255, 0.96);
  border-radius: 4px;
  box-shadow: none;
  z-index: 2;
}

.hero-photo-main {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(16, 63, 104, 0.1), rgba(249, 179, 82, 0.04)),
    url("https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=1300&q=82") center / cover;
  filter: saturate(0.88) contrast(1.02);
  transform: scale(1.01);
}

.hero-service-panel {
  position: absolute;
  z-index: 2;
  right: 28px;
  bottom: 28px;
  left: 28px;
  padding: 22px;
  border-left: 5px solid var(--gold);
  background: rgba(244, 239, 230, 0.94);
  backdrop-filter: blur(12px);
}

.hero-service-panel span {
  display: block;
  color: var(--charcoal);
  font-size: 13px;
  font-weight: 800;
}

.hero-service-panel strong {
  display: block;
  margin-top: 4px;
  color: var(--navy-dark);
  font-size: 23px;
  line-height: 1.25;
}

.section {
  padding: clamp(58px, 8vw, 104px) clamp(18px, 5vw, 70px);
}

.quick-help {
  display: grid;
  grid-template-columns: minmax(250px, 0.72fr) minmax(0, 1fr);
  gap: clamp(24px, 5vw, 70px);
  align-items: center;
  padding: clamp(34px, 5vw, 62px) clamp(18px, 5vw, 70px);
  background: var(--paper);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.quick-help-head {
  max-width: 430px;
}

.quick-help-head h2 {
  font-size: clamp(28px, 3.6vw, 46px);
}

.quick-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.quick-card {
  position: relative;
  display: grid;
  gap: 10px;
  min-height: 166px;
  padding: 22px;
  border: 1px solid rgba(15, 95, 159, 0.14);
  border-radius: 4px;
  background: rgba(255, 255, 255, 0.62);
  transition: transform 220ms ease, box-shadow 220ms ease, border-color 220ms ease;
}

.quick-card:hover {
  border-color: rgba(249, 179, 82, 0.9);
  box-shadow: 0 18px 48px rgba(16, 63, 104, 0.14);
  transform: translateY(-3px);
}

.quick-icon {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  color: var(--white);
  border-radius: 999px;
  background: var(--navy-dark);
  font-size: 13px;
  font-weight: 900;
}

.quick-card strong {
  color: var(--navy-dark);
  font-size: 18px;
  line-height: 1.3;
  max-width: 12ch;
}

.quick-card small {
  color: var(--charcoal);
  font-size: 13px;
  font-weight: 800;
}

.section-heading {
  display: grid;
  grid-template-columns: minmax(260px, 0.9fr) minmax(280px, 1fr);
  gap: clamp(22px, 4vw, 74px);
  max-width: 1180px;
  margin: 0 auto;
}

.section-heading.compact {
  display: block;
  max-width: 780px;
  margin-bottom: 34px;
  text-align: center;
}

h2 {
  margin: 0;
  color: var(--ink);
  font-family: "Avenir Next", "Noto Sans SC", "PingFang SC", "Microsoft YaHei", sans-serif;
  font-size: clamp(28px, 3.8vw, 46px);
  font-weight: 900;
  line-height: 1.18;
  letter-spacing: 0;
}

.intro-copy {
  max-width: 640px;
}

.intro-copy p,
.assurance-panel p,
.faq p,
.contact-copy,
.service-card p {
  color: var(--charcoal);
  font-size: 16px;
  line-height: 1.85;
}

.services {
  background: #fbfaf7;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  max-width: 1180px;
  margin: 0 auto;
}

.service-card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
  min-height: 560px;
  padding: 0 0 28px;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: #fbfaf7;
  transition: transform 220ms ease, box-shadow 220ms ease, border-color 220ms ease;
}

.service-card:hover {
  border-color: rgba(15, 95, 159, 0.24);
  box-shadow: var(--shadow);
  transform: translateY(-3px);
}

.service-photo {
  width: 100%;
  aspect-ratio: 3 / 2;
  background: var(--mist);
  background-position: center;
  background-size: cover;
  transition: transform 520ms ease;
}

.asset-photo {
  background-image:
    linear-gradient(180deg, rgba(16, 63, 104, 0.06), rgba(16, 63, 104, 0.2)),
    url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=900&q=82");
}

.estate-photo {
  background-image:
    linear-gradient(180deg, rgba(16, 63, 104, 0.04), rgba(16, 63, 104, 0.23)),
    url("https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=900&q=82");
}

.insurance-photo {
  background-image:
    linear-gradient(180deg, rgba(16, 63, 104, 0.06), rgba(16, 63, 104, 0.22)),
    url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=900&q=82");
}

.service-card:hover .service-photo {
  transform: scale(1.045);
}

.service-number {
  width: max-content;
  margin: 24px 28px 0;
  padding: 6px 10px;
  color: var(--navy-dark);
  border: 1px solid rgba(15, 95, 159, 0.18);
  border-radius: 4px;
  background: rgba(15, 95, 159, 0.06);
  font-size: 12px;
  font-weight: 900;
}

.service-card h3 {
  margin: 20px 28px 4px;
  color: var(--navy-dark);
  font-size: 25px;
  line-height: 1.25;
}

.service-card p {
  margin-right: 28px;
  margin-left: 28px;
}

.service-card ul {
  display: grid;
  gap: 12px;
  margin: 18px 28px 26px;
  padding: 0;
  list-style: none;
}

.service-card li {
  position: relative;
  padding-left: 20px;
  color: var(--ink);
  line-height: 1.55;
}

.service-card li::before {
  position: absolute;
  top: 0.72em;
  left: 0;
  width: 7px;
  height: 7px;
  content: "";
  background: var(--gold);
}

.service-card a {
  display: inline-flex;
  align-items: center;
  width: max-content;
  max-width: calc(100% - 56px);
  min-height: 44px;
  margin-top: auto;
  margin-left: 28px;
  color: var(--navy);
  font-weight: 900;
}

.client-types {
  background:
    linear-gradient(90deg, rgba(11, 45, 68, 0.96), rgba(11, 45, 68, 0.88)),
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1500&q=82") center / cover;
}

.client-types .eyebrow,
.client-types h2 {
  color: var(--white);
}

.client-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  max-width: 1180px;
  margin: 0 auto;
}

.client-card {
  min-height: 300px;
  padding: 28px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(14px);
}

.client-card span {
  display: inline-flex;
  min-height: 36px;
  align-items: center;
  padding: 0 12px;
  color: var(--navy-dark);
  background: var(--gold);
  font-size: 13px;
  font-weight: 900;
}

.client-card h3 {
  margin: 28px 0 12px;
  color: var(--white);
  font-size: 25px;
  line-height: 1.25;
}

.client-card p {
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.8;
}

.product-finder {
  display: grid;
  grid-template-columns: minmax(280px, 0.8fr) minmax(320px, 1fr);
  gap: clamp(24px, 5vw, 72px);
  align-items: center;
  background: var(--paper);
}

.finder-copy {
  max-width: 520px;
}

.finder-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.finder-item {
  display: grid;
  place-items: center;
  min-height: 146px;
  padding: 20px 14px;
  border: 1px solid rgba(15, 95, 159, 0.14);
  border-radius: 4px;
  background: rgba(255, 255, 255, 0.72);
  text-align: center;
  transition: transform 220ms ease, background 220ms ease, box-shadow 220ms ease;
}

.finder-item:hover {
  background: #fffaf1;
  box-shadow: 0 18px 46px rgba(16, 63, 104, 0.13);
  transform: translateY(-5px);
}

.finder-symbol {
  position: relative;
  display: block;
  width: 48px;
  height: 48px;
  margin-bottom: 14px;
  border: 3px solid var(--navy);
  border-radius: 8px;
}

.finder-symbol::before,
.finder-symbol::after {
  position: absolute;
  content: "";
}

.finder-symbol.home::before {
  top: -12px;
  left: 9px;
  width: 24px;
  height: 24px;
  border-top: 3px solid var(--gold);
  border-left: 3px solid var(--gold);
  transform: rotate(45deg);
}

.finder-symbol.motor {
  height: 34px;
  margin-top: 14px;
  border-radius: 16px 16px 8px 8px;
}

.finder-symbol.motor::before,
.finder-symbol.motor::after {
  bottom: -12px;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--gold);
}

.finder-symbol.motor::before {
  left: 4px;
}

.finder-symbol.motor::after {
  right: 4px;
}

.finder-symbol.travel {
  border-radius: 50%;
}

.finder-symbol.travel::before {
  top: 20px;
  left: 8px;
  width: 32px;
  height: 4px;
  background: var(--gold);
}

.finder-symbol.travel::after {
  top: 8px;
  left: 21px;
  width: 4px;
  height: 32px;
  background: var(--gold);
}

.finder-symbol.accident::before {
  top: 10px;
  left: 20px;
  width: 8px;
  height: 28px;
  background: var(--gold);
}

.finder-symbol.accident::after {
  top: 20px;
  left: 10px;
  width: 28px;
  height: 8px;
  background: var(--gold);
}

.finder-symbol.business::before {
  top: 9px;
  left: 10px;
  width: 6px;
  height: 6px;
  box-shadow: 12px 0 var(--gold), 24px 0 var(--gold), 0 12px var(--gold), 12px 12px var(--gold), 24px 12px var(--gold);
  background: var(--gold);
}

.finder-symbol.contractor::before {
  top: 10px;
  left: 21px;
  width: 6px;
  height: 28px;
  background: var(--gold);
  transform: rotate(45deg);
}

.finder-symbol.contractor::after {
  top: 21px;
  left: 10px;
  width: 28px;
  height: 6px;
  background: var(--gold);
  transform: rotate(45deg);
}

.finder-item strong {
  color: var(--navy-dark);
  font-size: 16px;
  line-height: 1.35;
}

.process {
  background: #fbfaf7;
}

.process-track {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  max-width: 1180px;
  margin: 44px auto 0;
  border-top: 1px solid var(--line);
  border-left: 1px solid var(--line);
}

.process-step {
  min-height: 270px;
  padding: 30px 24px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: linear-gradient(180deg, #fbfaf7, #f5f1e8);
}

.process-step span {
  display: inline-flex;
  min-height: 34px;
  align-items: center;
  padding: 0 10px;
  color: var(--white);
  background: var(--navy-dark);
  font-size: 12px;
  font-weight: 900;
}

.process-step h3 {
  margin: 34px 0 10px;
  color: var(--navy-dark);
  font-size: 22px;
}

.process-step p {
  margin: 0;
  color: var(--charcoal);
  line-height: 1.75;
}

.assurance {
  background: var(--navy-dark);
}

.assurance-panel {
  max-width: 1040px;
  margin: 0 auto;
  padding: clamp(30px, 5vw, 54px);
  border-left: 8px solid var(--gold);
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(249, 179, 82, 0.14) 0 22%, transparent 22%),
    rgba(255, 255, 255, 0.06);
}

.assurance-panel h2,
.assurance-panel p {
  color: var(--white);
}

.faq {
  background: var(--mist);
}

.faq-list {
  display: grid;
  gap: 12px;
  max-width: 900px;
  margin: 0 auto;
}

details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

summary {
  cursor: pointer;
  padding: 22px 24px;
  color: var(--navy-dark);
  font-weight: 900;
}

details p {
  margin: 0;
  padding: 0 24px 24px;
}

.contact {
  display: grid;
  grid-template-columns: minmax(280px, 0.9fr) minmax(300px, 0.7fr);
  gap: clamp(24px, 5vw, 82px);
  align-items: start;
  max-width: 1180px;
  margin: 0 auto;
}

.contact-methods {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 26px 0;
}

.contact-methods a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 10px 13px;
  border: 1px solid rgba(15, 95, 159, 0.2);
  border-radius: 4px;
  color: var(--navy-dark);
  background: var(--white);
  font-weight: 800;
}

.map-link {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  margin-top: 12px;
  padding: 0 14px;
  color: var(--white);
  background: var(--navy-dark);
  font-weight: 900;
}

address {
  max-width: 560px;
  font-style: normal;
}

.hours {
  font-weight: 900;
}

.contact-form {
  display: grid;
  gap: 16px;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: var(--white);
  box-shadow: var(--shadow);
}

label {
  display: grid;
  gap: 8px;
  color: var(--navy-dark);
  font-weight: 900;
}

input,
select {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: 4px;
  padding: 0 12px;
  color: var(--ink);
  background: var(--mist);
  font: inherit;
}

.site-footer {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 14px;
  padding: 28px clamp(18px, 5vw, 70px);
  color: var(--white);
  background: var(--ink);
  font-size: 14px;
}

.floating-whatsapp {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 45;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 18px;
  border-radius: 4px;
  color: var(--white);
  background: #1f8d4d;
  box-shadow: 0 18px 36px rgba(0, 0, 0, 0.2);
  font-weight: 900;
  animation: none;
}

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 640ms ease, transform 640ms ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@keyframes liftIn {
  from {
    opacity: 0;
    transform: translateY(24px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes floatIn {
  from {
    opacity: 0;
    transform: translateY(28px) scale(0.98);
  }

  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

@keyframes whatsappPulse {
  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-4px);
  }
}

@media (max-width: 980px) {
  .brand-switch {
    grid-template-columns: 1fr auto;
    min-height: auto;
    position: sticky;
  }

  .brand-tab {
    justify-content: flex-start;
    min-height: 68px;
    padding: 10px 16px;
  }

  .brand-tab:nth-of-type(2) {
    grid-column: 1 / 2;
    border-top: 1px solid var(--line);
  }

  .brand-tab img {
    width: 44px;
    height: 36px;
  }

  .brand-tab span {
    font-size: 14px;
  }

  .brand-switch .language-switch {
    grid-column: 2;
    grid-row: 1 / span 2;
    align-self: stretch;
    min-height: 100%;
    margin: 0;
    border-top: 0;
    border-right: 0;
    border-bottom: 0;
  }

  .gateway-grid,
  .two-column {
    grid-template-columns: 1fr;
  }

  .gateway-card {
    min-height: 390px;
  }

  .gateway {
    padding-top: 42px;
  }

  .gateway-hero {
    margin-bottom: 28px;
  }

  .subbrand-hero {
    min-height: 72vh;
    padding-top: 64px;
    padding-bottom: 64px;
  }

  .subbrand-hero > div,
  .gateway-hero {
    max-width: 680px;
  }

  .subbrand-hero p:not(.eyebrow) {
    font-size: 17px;
  }

  .site-header {
    grid-template-columns: auto auto 1fr;
  }

  .nav-toggle {
    display: block;
    grid-column: 3;
    justify-self: end;
  }

  .site-nav {
    position: fixed;
    top: 82px;
    right: 0;
    left: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 20px;
    border-bottom: 1px solid var(--line);
    background: var(--paper);
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-nav a {
    padding: 13px 0;
  }

  .header-actions {
    grid-column: 2;
    grid-row: 1;
  }

  .header-whatsapp {
    display: none;
  }

  .hero-grid,
  .section-heading,
  .contact,
  .quick-help,
  .product-finder {
    grid-template-columns: 1fr;
  }

  .service-grid,
  .quick-grid,
  .finder-grid,
  .client-grid,
  .process-track,
  .hero-credentials {
    grid-template-columns: 1fr;
  }

  .service-card {
    min-height: auto;
  }

  .process-track {
    border-top: 1px solid var(--line);
  }

  .process-step {
    min-height: auto;
  }
}

@media (max-width: 640px) {
  body {
    padding-bottom: 74px;
  }

  .brand-switch {
    top: 0;
  }

  .brand-tab {
    gap: 10px;
    min-height: 60px;
    padding: 8px 12px;
  }

  .brand-tab img {
    width: 38px;
    height: 31px;
  }

  .brand-tab span {
    font-size: 12px;
  }

  .brand-tab.active::after {
    height: 4px;
  }

  .brand-switch .language-switch {
    min-width: 56px;
    font-size: 13px;
  }

  .gateway {
    padding: 32px 16px 26px;
  }

  .gateway-hero h1 {
    font-size: clamp(32px, 11vw, 44px);
  }

  .gateway-hero p {
    font-size: 16px;
    line-height: 1.65;
  }

  .gateway-card {
    min-height: 330px;
    padding: 24px;
  }

  .gateway-card h2 {
    margin-top: 20px;
    font-size: 29px;
  }

  .gateway-card p {
    font-size: 15px;
    line-height: 1.65;
  }

  .subbrand-hero {
    min-height: 68vh;
    padding: 48px 18px 44px;
  }

  .subbrand-hero h1 {
    font-size: clamp(34px, 11vw, 48px);
  }

  .subbrand-hero p:not(.eyebrow) {
    font-size: 16px;
    line-height: 1.65;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
    gap: 10px;
    margin-top: 24px;
  }

  .button {
    width: 100%;
    min-height: 50px;
  }

  .site-header {
    min-height: 74px;
    gap: 10px;
  }

  .brand span {
    display: none;
  }

  .brand img {
    width: 52px;
  }

  .site-nav {
    top: 74px;
  }

  h1 {
    font-size: clamp(34px, 10vw, 48px);
  }

  .hero {
    min-height: auto;
    padding-top: 38px;
  }

  .hero-photo {
    min-height: 360px;
  }

  .hero-photo::after {
    width: 80px;
    height: 64px;
  }

  .quick-card strong {
    max-width: none;
  }

  .hero-service-panel {
    right: 18px;
    bottom: 18px;
    left: 18px;
  }

  .section {
    padding: 48px 16px;
  }

  .section-heading.compact {
    margin-bottom: 24px;
    text-align: left;
  }

  h2 {
    font-size: clamp(27px, 8vw, 36px);
  }

  .service-card {
    border-color: rgba(23, 33, 43, 0.1);
  }

  .service-photo {
    aspect-ratio: 4 / 3;
  }

  .service-number,
  .service-card h3,
  .service-card p,
  .service-card a {
    margin-left: 20px;
    margin-right: 20px;
  }

  .service-card h3 {
    font-size: 24px;
  }

  .product-finder {
    gap: 28px;
  }

  .finder-grid {
    gap: 10px;
  }

  .finder-item {
    min-height: 112px;
    grid-template-columns: 44px 1fr;
    place-items: center start;
    gap: 12px;
    padding: 16px;
    text-align: left;
  }

  .finder-symbol {
    width: 38px;
    height: 38px;
    margin: 0;
  }

  .finder-symbol.home::before {
    top: -10px;
    left: 7px;
    width: 20px;
    height: 20px;
  }

  .finder-symbol.motor {
    height: 30px;
  }

  .process-track {
    margin-top: 26px;
  }

  .process-step {
    padding: 22px 18px;
  }

  .process-step h3 {
    margin-top: 22px;
  }

  .contact {
    gap: 28px;
  }

  .contact-form {
    padding: 20px;
  }

  .floating-whatsapp {
    display: none;
  }

  .mobile-action-bar {
    position: fixed;
    right: 0;
    bottom: 0;
    left: 0;
    z-index: 80;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    min-height: 64px;
    border-top: 1px solid rgba(255, 255, 255, 0.16);
    background: rgba(11, 45, 68, 0.96);
    box-shadow: 0 -16px 36px rgba(0, 0, 0, 0.18);
    backdrop-filter: blur(16px);
  }

  .mobile-action-bar a {
    display: grid;
    place-items: center;
    color: var(--white);
    border-right: 1px solid rgba(255, 255, 255, 0.14);
    font-size: 13px;
    font-weight: 900;
    text-align: center;
  }

  .mobile-action-bar a:last-child {
    border-right: 0;
    background: #1f8d4d;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

/* Professional financial-services redesign */
.professional-page,
.professional-gateway {
  --executive: #102f45;
  --executive-deep: #071b2a;
  --copper: #d99b48;
  --sage: #dfe8e2;
  --porcelain: #f8f6f1;
  --panel: #ffffff;
  background: var(--porcelain);
}

.professional-page .brand-switch,
.professional-gateway .brand-switch {
  min-height: 78px;
  background: rgba(255, 255, 255, 0.98);
  border-bottom-color: rgba(7, 27, 42, 0.1);
}

.professional-page .brand-switch::before,
.professional-gateway .brand-switch::before {
  height: 3px;
  background: linear-gradient(90deg, #3d4650 0%, var(--copper) 42%, #1467a8 100%);
}

.professional-page .brand-tab,
.professional-gateway .brand-tab {
  color: var(--executive);
  font-size: 14px;
  text-transform: none;
}

.professional-page .brand-tab img,
.professional-gateway .brand-tab img {
  width: 62px;
  height: 50px;
  padding: 0;
  object-fit: contain;
  filter: none;
}

.professional-page .brand-tab.active::after,
.professional-gateway .brand-tab.active::after {
  height: 4px;
  background: var(--copper);
}

.professional-page .language-switch,
.professional-gateway .language-switch {
  border-color: rgba(7, 27, 42, 0.14);
  color: var(--executive);
}

.advisor-hero {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 0.94fr) minmax(320px, 0.54fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: end;
  min-height: calc(100vh - 78px);
  padding: clamp(62px, 9vw, 112px) clamp(18px, 5vw, 72px) clamp(48px, 6vw, 78px);
  color: var(--white);
  isolation: isolate;
  overflow: hidden;
}

.advisor-hero::before,
.advisor-hero::after {
  position: absolute;
  inset: 0;
  content: "";
  z-index: -2;
}

.advisor-hero::before {
  background-position: center;
  background-size: cover;
  transform: scale(1.02);
}

.advisor-hero::after {
  z-index: -1;
  background:
    linear-gradient(90deg, rgba(7, 27, 42, 0.96), rgba(7, 27, 42, 0.78) 44%, rgba(7, 27, 42, 0.26)),
    linear-gradient(180deg, rgba(7, 27, 42, 0.08), rgba(7, 27, 42, 0.7));
}

.life-advisor-hero::before {
  background-image: url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1900&q=84");
}

.general-advisor-hero::before {
  background-image: url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1900&q=84");
}

.advisor-hero-copy {
  max-width: 820px;
}

.advisor-hero .eyebrow {
  color: #f0c16c;
}

.advisor-hero h1 {
  color: var(--white);
  font-size: clamp(42px, 5.7vw, 76px);
  line-height: 1.04;
  max-width: 900px;
}

.advisor-hero-copy > p:not(.eyebrow) {
  max-width: 720px;
  margin: 26px 0 0;
  color: rgba(255, 255, 255, 0.83);
  font-size: clamp(17px, 2vw, 22px);
  line-height: 1.72;
}

.advisor-hero-card {
  align-self: stretch;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: 420px;
  padding: clamp(24px, 4vw, 34px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 6px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.16), rgba(255, 255, 255, 0.08)),
    rgba(7, 27, 42, 0.48);
  backdrop-filter: blur(16px);
}

.advisor-hero-card img {
  width: 126px;
  height: 102px;
  object-fit: contain;
  margin-bottom: auto;
  padding: 10px;
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.94);
}

.advisor-hero-card span {
  width: max-content;
  margin-top: 36px;
  padding: 8px 11px;
  color: var(--executive-deep);
  background: var(--copper);
  font-size: 12px;
  font-weight: 900;
}

.advisor-hero-card strong {
  display: block;
  margin-top: 20px;
  color: var(--white);
  font-size: clamp(24px, 3vw, 34px);
  line-height: 1.12;
}

.advisor-hero-card p {
  margin: 18px 0 0;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.72;
}

.professional-page .button.primary,
.professional-gateway .button.primary {
  background: #1467a8;
  box-shadow: none;
}

.professional-page .button.primary:hover,
.professional-gateway .button.primary:hover {
  background: var(--executive);
}

.professional-page .button.secondary.light {
  border-color: rgba(255, 255, 255, 0.34);
  background: rgba(255, 255, 255, 0.12);
}

.credibility-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  border-top: 1px solid rgba(7, 27, 42, 0.12);
  border-bottom: 1px solid rgba(7, 27, 42, 0.12);
  background: var(--panel);
}

.credibility-strip div {
  min-height: 88px;
  display: grid;
  place-items: center;
  padding: 18px;
  border-right: 1px solid rgba(7, 27, 42, 0.1);
  text-align: center;
}

.credibility-strip div:last-child {
  border-right: 0;
}

.credibility-strip span {
  color: var(--executive);
  font-size: 14px;
  font-weight: 900;
}

.professional-section {
  background:
    linear-gradient(180deg, rgba(223, 232, 226, 0.48), rgba(248, 246, 241, 0)),
    var(--porcelain);
}

.section-heading.refined {
  display: block;
  max-width: 860px;
  margin-bottom: clamp(28px, 4vw, 44px);
}

.section-heading.refined h2,
.method-copy h2,
.professional-contact h2 {
  max-width: 820px;
  color: var(--executive-deep);
  font-size: clamp(32px, 4.2vw, 54px);
  line-height: 1.12;
}

.scenario-grid,
.cover-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  max-width: 1180px;
  margin: 0 auto;
  background: rgba(7, 27, 42, 0.11);
  border: 1px solid rgba(7, 27, 42, 0.11);
}

.scenario-card,
.cover-card,
.method-item {
  background: rgba(255, 255, 255, 0.86);
}

.scenario-card,
.cover-card {
  min-height: 315px;
  padding: clamp(22px, 3vw, 30px);
  transition: transform 220ms ease, background 220ms ease;
}

.scenario-card:hover,
.cover-card:hover {
  background: var(--white);
  transform: translateY(-3px);
}

.scenario-card span,
.method-item span {
  color: var(--copper);
  font-size: 13px;
  font-weight: 900;
}

.scenario-card h3,
.cover-card h3,
.method-item h3 {
  margin: 28px 0 12px;
  color: var(--executive);
  font-size: 23px;
  line-height: 1.22;
}

.scenario-card p,
.cover-card p,
.method-item p {
  color: var(--charcoal);
  line-height: 1.78;
}

.cover-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.cover-card {
  min-height: 280px;
  display: block;
}

.cover-card .finder-symbol {
  margin-bottom: 24px;
}

.method-section {
  display: grid;
  grid-template-columns: minmax(260px, 0.76fr) minmax(0, 1fr);
  gap: clamp(26px, 5vw, 72px);
  background: var(--executive-deep);
}

.method-copy {
  max-width: 480px;
}

.method-section .eyebrow,
.method-copy h2 {
  color: var(--white);
}

.method-list {
  display: grid;
  gap: 1px;
  background: rgba(255, 255, 255, 0.16);
  border: 1px solid rgba(255, 255, 255, 0.16);
}

.method-item {
  min-height: 190px;
  padding: 26px 30px;
  background: rgba(255, 255, 255, 0.08);
}

.method-item h3 {
  color: var(--white);
  margin-top: 20px;
}

.method-item p {
  color: rgba(255, 255, 255, 0.76);
}

.professional-contact {
  background:
    linear-gradient(90deg, rgba(248, 246, 241, 0.98), rgba(248, 246, 241, 0.88)),
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1600&q=82") center / cover;
}

.professional-contact .contact-form {
  border: 1px solid rgba(7, 27, 42, 0.12);
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.9);
  box-shadow: none;
}

.professional-contact .contact-methods a {
  background: rgba(255, 255, 255, 0.72);
}

.professional-gateway {
  background:
    linear-gradient(90deg, rgba(248, 246, 241, 0.98), rgba(248, 246, 241, 0.76)),
    url("https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1900&q=84") center / cover;
}

.gateway-logo {
  width: 128px;
  height: 104px;
  object-fit: contain;
  margin-bottom: 20px;
}

.professional-gateway .gateway-card {
  border-radius: 6px;
  box-shadow: none;
}

.professional-gateway .gateway-card span {
  background: var(--copper);
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
}

.reveal.is-visible,
body.loaded .advisor-hero .reveal {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 620ms ease, transform 620ms ease;
}

@media (max-width: 1080px) {
  .scenario-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 980px) {
  .advisor-hero,
  .method-section {
    grid-template-columns: 1fr;
  }

  .advisor-hero {
    min-height: auto;
    padding-top: 54px;
  }

  .advisor-hero-card {
    min-height: auto;
  }

  .cover-grid,
  .credibility-strip {
    grid-template-columns: 1fr;
  }

  .credibility-strip div {
    min-height: 66px;
    border-right: 0;
    border-bottom: 1px solid rgba(7, 27, 42, 0.1);
  }
}

@media (max-width: 640px) {
  .professional-page .brand-tab img,
  .professional-gateway .brand-tab img {
    width: 44px;
    height: 35px;
  }

  .advisor-hero {
    padding: 38px 16px 34px;
  }

  .advisor-hero h1 {
    font-size: clamp(34px, 11vw, 48px);
  }

  .advisor-hero-copy > p:not(.eyebrow) {
    font-size: 16px;
  }

  .advisor-hero-card {
    padding: 22px;
  }

  .advisor-hero-card img {
    width: 96px;
    height: 78px;
  }

  .scenario-grid,
  .cover-grid {
    grid-template-columns: 1fr;
  }

  .scenario-card,
  .cover-card {
    min-height: auto;
  }

  .section-heading.refined h2,
  .method-copy h2,
  .professional-contact h2 {
    font-size: clamp(29px, 9vw, 40px);
  }

  .method-item {
    padding: 22px;
  }
}