*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --green:#7ED957;--gd:#5ec93a;--teal:#79C9CC;--td:#5ab3b6;--tp:rgba(121,201,204,.1);
  --amber:#f5a623;--dark:#1a2332;--mid:#2d3f52;--bg:#ffffff;--bg2:#f8fafb;
  --text:#1a2332;--muted:#8a9bb0;--border:#e8edf2;
  --r:12px;--rl:20px;--max:1100px;
  --shadow:0 4px 16px rgba(26,35,50,.08);--shadowlg:0 12px 40px rgba(26,35,50,.12);
}
body{font-family:'Nunito',sans-serif;color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased}

/* NAV */
nav{background:rgba(255,255,255,.97);backdrop-filter:blur(20px);border-bottom:1px solid var(--border);padding:0 5%;height:100px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:200;transition:box-shadow .25s}
nav.scrolled{box-shadow:0 2px 20px rgba(26,35,50,.08)}
.nav-logo img{height:80px;width:auto}
.nav-links{display:flex;align-items:center;gap:2rem}
.nav-links a{font-size:.84rem;font-weight:700;color:var(--muted);text-decoration:none;transition:color .15s}
.nav-links a:hover{color:var(--dark)}
.nav-cta{background:var(--dark);color:#fff;padding:9px 20px;border-radius:50px;font-size:.82rem;font-weight:800;text-decoration:none;transition:background .15s}
.nav-cta:hover{background:var(--mid)}
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px}
.nav-hamburger span{width:22px;height:2px;background:var(--dark);border-radius:2px;transition:all .25s}
.mobile-menu{display:none;position:fixed;top:100px;left:0;right:0;background:#fff;border-bottom:1px solid var(--border);padding:1.5rem 5%;z-index:199;flex-direction:column;gap:1rem}
.mobile-menu.open{display:flex}
.mobile-menu a{font-size:.92rem;font-weight:700;color:var(--text);text-decoration:none;padding:.5rem 0;border-bottom:1px solid var(--border)}
.mobile-menu a:last-child{border-bottom:none}

/* SECTIONS */
.section{padding:5rem 5%}
.section.alt{background:var(--bg2)}
.section.dark{background:var(--dark);padding:5rem 5%}
.section-inner{max-width:var(--max);margin:0 auto}
.section-eyebrow{font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--td);margin-bottom:.75rem;display:block}
.section-title{font-family:'Merriweather',serif;font-size:clamp(1.6rem,2.8vw,2.2rem);color:var(--dark);line-height:1.18;margin-bottom:1rem}
.section-body{font-size:.95rem;color:var(--muted);line-height:1.75;max-width:600px;margin-bottom:2rem}

/* BUTTONS */
.btn-primary{background:linear-gradient(135deg,var(--teal),var(--td));color:#fff;font-weight:800;font-size:.92rem;padding:13px 28px;border-radius:50px;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:transform .2s cubic-bezier(.34,1.56,.64,1),box-shadow .2s;white-space:nowrap}
.btn-primary:hover{transform:translateY(-2px) scale(1.02);box-shadow:0 0 0 6px rgba(121,201,204,.15),0 8px 24px rgba(121,201,204,.35)}
.btn-outline{border:1.5px solid rgba(255,255,255,.25);color:rgba(255,255,255,.85);font-weight:700;font-size:.88rem;padding:12px 24px;border-radius:50px;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:all .18s;white-space:nowrap}
.btn-outline:hover{border-color:rgba(255,255,255,.55);color:#fff}
.btn-dark{border:1.5px solid var(--border);color:var(--dark);font-weight:700;font-size:.88rem;padding:12px 24px;border-radius:50px;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:all .18s;background:var(--bg)}
.btn-dark:hover{border-color:var(--td);color:var(--td)}

/* HERO */
.hero{padding:4.5rem 5% 0;background:var(--bg);position:relative;overflow:hidden}
.hero-grid-bg{position:absolute;inset:0;background-image:linear-gradient(rgba(26,35,50,.022) 1px,transparent 1px),linear-gradient(90deg,rgba(26,35,50,.022) 1px,transparent 1px);background-size:64px 64px;transform:perspective(900px) rotateX(16deg) scale(1.25) translateY(-4%);transform-origin:50% 0;opacity:.55;pointer-events:none;z-index:0;mask-image:linear-gradient(to bottom,transparent 0%,black 30%,black 65%,transparent 100%)}
.hero-orb{position:absolute;border-radius:50%;filter:blur(80px);pointer-events:none;will-change:transform;z-index:0}
.orb-a{width:480px;height:480px;background:rgba(121,201,204,.09);top:-120px;right:-60px;animation:driftA 22s ease-in-out infinite}
.orb-b{width:320px;height:320px;background:rgba(126,217,87,.06);bottom:-40px;left:5%;animation:driftB 30s ease-in-out infinite}
.orb-c{width:200px;height:200px;background:rgba(245,166,35,.04);top:40%;right:18%;animation:driftC 18s ease-in-out infinite}
@keyframes driftA{0%,100%{transform:translate(0,0) scale(1)}35%{transform:translate(-22px,16px) scale(1.04)}70%{transform:translate(14px,-10px) scale(.97)}}
@keyframes driftB{0%,100%{transform:translate(0,0)}50%{transform:translate(32px,-20px) scale(1.06))}}
@keyframes driftC{0%,100%{transform:translate(0,0)}42%{transform:translate(-14px,20px)}72%{transform:translate(18px,-8px)}}
.hero-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 300px;gap:4rem;align-items:end;position:relative;z-index:1}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--td);margin-bottom:1.25rem}
.hero-dot{width:6px;height:6px;border-radius:50%;background:var(--teal);animation:dotPulse 2s infinite;flex-shrink:0}
@keyframes dotPulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.35;transform:scale(.5)}}
.hero-h1{font-family:'Merriweather',serif;font-size:clamp(2rem,3.2vw,3rem);color:var(--dark);line-height:1.1;margin-bottom:1.25rem;font-weight:700}
.hero-h1 em{color:var(--td);font-style:normal}
.hero-rule{width:48px;height:3px;background:linear-gradient(90deg,var(--teal),var(--td));border-radius:2px;margin-bottom:1.25rem}
.hero-sub{font-size:1rem;color:var(--muted);line-height:1.75;max-width:520px;margin-bottom:1.5rem}
.hero-pills{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:1.5rem}
.hero-pill{font-size:.73rem;font-weight:700;padding:5px 13px;border-radius:50px;border:1px solid rgba(121,201,204,.3);color:var(--td);background:rgba(121,201,204,.07);text-decoration:none;transition:background .15s,border-color .15s}
.hero-pill:hover{background:rgba(121,201,204,.15);border-color:var(--td)}
.hero-actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-bottom:1.75rem}
.hero-advisor-link{font-size:.84rem;font-weight:700;color:var(--muted);text-decoration:none;transition:color .15s}
.hero-advisor-link:hover{color:var(--dark)}
.hero-trust{display:flex;gap:20px;flex-wrap:wrap;padding-bottom:2rem}
.htrust{display:flex;align-items:center;gap:6px;font-size:.77rem;font-weight:700;color:var(--muted)}

/* HERO STAT PANEL */
.hero-stat-panel{background:linear-gradient(160deg,rgba(121,201,204,.08),rgba(121,201,204,.03));border:1px solid rgba(121,201,204,.2);border-radius:16px 16px 0 0;padding:2rem 1.75rem 2.5rem;align-self:end;border-bottom:none;position:relative}
.hero-stat-panel::before{content:'';position:absolute;top:-60px;right:-60px;width:180px;height:180px;background:radial-gradient(circle,rgba(121,201,204,.12),transparent 70%);pointer-events:none}
.hsp-label{font-size:.68rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:rgba(121,201,204,.7);margin-bottom:.5rem}
.hsp-number{font-family:'Merriweather',serif;font-size:2.8rem;font-weight:700;color:var(--teal);line-height:1;margin-bottom:.375rem}
.hsp-desc{font-size:.79rem;color:var(--muted);line-height:1.55;margin-bottom:1.25rem}
.hsp-divider{height:1px;background:rgba(121,201,204,.15);margin:.875rem 0}
.hsp-row{display:flex;justify-content:space-between;align-items:baseline;padding:.4rem 0}
.hsp-n{font-family:'Merriweather',serif;font-size:1.35rem;font-weight:700;color:var(--teal)}
.hsp-l{font-size:.72rem;color:rgba(138,155,176,.7);line-height:1.4;max-width:140px;text-align:right}
.hero-stat-mobile{display:none}

/* WHO WE HELP */
.seg-grid{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--border);border-radius:var(--rl);overflow:hidden}
.seg-item{display:flex;align-items:flex-start;gap:1rem;padding:1.375rem 1.625rem;border-bottom:1px solid var(--border);border-right:1px solid var(--border);text-decoration:none;background:var(--bg);transition:background .15s;position:relative}
.seg-item:nth-child(2n){border-right:none}
.seg-item:nth-last-child(-n+2){border-bottom:none}
.seg-item::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:linear-gradient(180deg,var(--teal),var(--td));opacity:0;transition:opacity .18s}
.seg-item:hover{background:var(--tp)}
.seg-item:hover::before{opacity:1}
.seg-item:hover .seg-icon{background:rgba(121,201,204,.2);color:var(--td);border-color:rgba(121,201,204,.3)}
.seg-item:hover .seg-arr{transform:translateX(4px);color:var(--td)}
.seg-icon{width:38px;height:38px;border-radius:10px;background:var(--bg2);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--muted);transition:all .18s}
.seg-body{flex:1}
.seg-title{font-size:.92rem;font-weight:800;color:var(--dark);margin-bottom:.2rem;line-height:1.2}
.seg-desc{font-size:.78rem;color:var(--muted);line-height:1.45}
.seg-badge{display:inline-block;font-size:.65rem;font-weight:800;padding:2px 8px;border-radius:50px;background:rgba(245,166,35,.12);color:#c47a00;border:1px solid rgba(245,166,35,.22);margin-top:.375rem}
.seg-arr{color:var(--border);flex-shrink:0;margin-top:.125rem;transition:transform .18s,color .18s}
.seg-scroll-hint{display:none}

/* COVERAGE CARDS */
.cov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.875rem}
.cov-card{display:flex;gap:.875rem;align-items:flex-start;padding:1.125rem 1.25rem;border:1px solid var(--border);border-radius:var(--r);transition:background .18s,border-color .18s,transform .25s cubic-bezier(.34,1.56,.64,1),box-shadow .25s;position:relative;overflow:hidden}
.cov-card::after{content:'';position:absolute;top:0;left:0;right:0;height:2.5px;opacity:0;transition:opacity .2s}
.cov-card:hover{transform:translateY(-3px);box-shadow:var(--shadowlg)}
.cov-card:hover::after{opacity:1}
.cov-t::after{background:linear-gradient(90deg,var(--teal),var(--td))}
.cov-g::after{background:linear-gradient(90deg,var(--green),var(--gd))}
.cov-a::after{background:linear-gradient(90deg,var(--amber),#c17600)}
.cov-ico{width:32px;height:32px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.cov-ico.t{background:rgba(121,201,204,.12);color:var(--td)}
.cov-ico.g{background:rgba(126,217,87,.12);color:var(--gd)}
.cov-ico.a{background:rgba(245,166,35,.12);color:#c17600}
.cov-name{font-size:.87rem;font-weight:800;color:var(--dark);margin-bottom:.175rem;line-height:1.2}
.cov-note{font-size:.74rem;color:var(--muted);line-height:1.45}

/* CARRIERS */
.carrier-list{display:flex;flex-direction:column;gap:.875rem}
.carrier-row{display:grid;grid-template-columns:160px 1fr auto auto;gap:1.5rem;align-items:center;padding:1.375rem 1.75rem;background:var(--bg);border:1px solid var(--border);border-radius:var(--rl);transition:box-shadow .2s,border-color .2s;position:relative;overflow:hidden}
.carrier-row::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:linear-gradient(180deg,var(--teal),var(--td));opacity:0;transition:opacity .18s}
.carrier-row:hover{box-shadow:var(--shadowlg);border-color:transparent}
.carrier-row:hover::before{opacity:1}
.carrier-logo-w{display:flex;align-items:center;height:28px;overflow:hidden}
.carrier-logo-w img{height:28px !important;max-height:28px !important;width:auto;max-width:130px;object-fit:contain;display:block}
.carrier-info strong{font-size:.87rem;font-weight:800;color:var(--dark);display:block;margin-bottom:.25rem}
.carrier-info p{font-size:.79rem;color:var(--muted);line-height:1.55}
.carrier-badge{font-size:.68rem;font-weight:800;padding:4px 10px;border-radius:50px;background:var(--tp);color:var(--td);border:1px solid rgba(121,201,204,.25);white-space:nowrap}
.carrier-btn{background:linear-gradient(135deg,var(--green),var(--gd));color:var(--dark);font-weight:800;font-size:.82rem;padding:9px 18px;border-radius:50px;text-decoration:none;white-space:nowrap;transition:transform .2s cubic-bezier(.34,1.56,.64,1),box-shadow .2s}
.carrier-btn:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(126,217,87,.35)}
.fc{background:var(--bg2);border:1px solid var(--border);border-radius:var(--r);padding:1.25rem 1.5rem}
.fc h4{font-size:.8rem;font-weight:800;color:var(--muted);margin-bottom:.75rem;text-transform:uppercase;letter-spacing:.06em}
.fc ul{list-style:none;display:flex;flex-direction:column;gap:.5rem}
.fc a{font-size:.85rem;font-weight:700;color:var(--td);text-decoration:none}
.fc a:hover{text-decoration:underline}
.carr-acc-list{display:none}

/* FAQ */
.faq-stack{display:flex;flex-direction:column;gap:.625rem;max-width:720px}
.faq-item{border:1px solid var(--border);border-radius:var(--r);overflow:hidden}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;padding:1.125rem 1.375rem;background:none;border:none;font-family:'Nunito',sans-serif;font-size:.93rem;font-weight:800;color:var(--dark);cursor:pointer;text-align:left;gap:1rem;transition:background .15s}
.faq-q:hover{background:var(--bg2)}
.faq-q.open{background:var(--bg2);color:var(--td)}
.faq-arr{font-size:1.1rem;flex-shrink:0;transition:transform .25s;color:var(--muted);font-weight:400}
.faq-q.open .faq-arr{transform:rotate(45deg);color:var(--td)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-a-inner{padding:.125rem 1.375rem 1.25rem;font-size:.88rem;color:var(--muted);line-height:1.72}

/* PROOF / DARK CTA */
.proof-inner{display:grid;grid-template-columns:1fr auto;gap:3rem;align-items:center}
.proof-h2{font-family:'Merriweather',serif;font-size:clamp(1.5rem,2.5vw,2rem);color:#fff;line-height:1.22;margin-bottom:.75rem}
.proof-body{font-size:.92rem;color:rgba(255,255,255,.55);line-height:1.75;max-width:480px;margin-bottom:1.75rem}
.proof-acts{display:flex;gap:12px;flex-wrap:wrap}
.proof-contact{text-align:center}
.proof-flutter{opacity:.85;filter:drop-shadow(0 8px 24px rgba(0,0,0,.25))}

/* ADVISOR CTA BAND */
.adv-band{background:linear-gradient(135deg,var(--dark),#1e2d44);border-radius:var(--rl);padding:2.5rem;display:flex;align-items:center;justify-content:space-between;gap:2rem;position:relative;overflow:hidden}
.adv-band::before{content:'';position:absolute;top:-80px;right:-60px;width:280px;height:280px;background:radial-gradient(circle,rgba(121,201,204,.08),transparent 70%);pointer-events:none}
.adv-band-ey{font-size:.67rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:rgba(121,201,204,.8);margin-bottom:.625rem;display:flex;align-items:center;gap:7px}
.adv-band-ey::before{content:'';display:inline-block;width:16px;height:2px;background:var(--teal);border-radius:2px;flex-shrink:0}
.adv-band-title{font-family:'Merriweather',serif;font-size:clamp(1.1rem,1.8vw,1.4rem);color:#fff;line-height:1.28;margin-bottom:.625rem}
.adv-band-body{font-size:.84rem;color:rgba(255,255,255,.45);line-height:1.72;max-width:440px}
.adv-band-cta{flex-shrink:0;background:linear-gradient(135deg,var(--green),var(--gd));color:var(--dark);font-weight:800;font-size:.88rem;padding:13px 26px;border-radius:50px;text-decoration:none;transition:transform .2s cubic-bezier(.34,1.56,.64,1),box-shadow .2s;white-space:nowrap;position:relative;z-index:1}
.adv-band-cta:hover{transform:translateY(-2px) scale(1.03);box-shadow:0 8px 24px rgba(126,217,87,.4)}

/* SCROLL REVEAL */
.sr{opacity:1;transform:none;transition:opacity .65s cubic-bezier(.16,1,.3,1),transform .65s cubic-bezier(.16,1,.3,1)}
.js-sr-ready .sr{opacity:0;transform:translateY(24px)}
.js-sr-ready .sr.in{opacity:1;transform:none}

/* FOOTER */
footer{background:var(--dark);padding:3.5rem 5% 1.75rem}
.foot-inner{max-width:var(--max);margin:0 auto}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3rem;margin-bottom:3rem}
.foot-brand{max-width:260px}
.foot-brand p{font-size:.8rem;color:rgba(255,255,255,.35);line-height:1.65}
.foot-col h4{font-size:.68rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--green);margin-bottom:1rem}
.foot-col a{display:block;font-size:.82rem;color:rgba(255,255,255,.45);text-decoration:none;margin-bottom:.6rem;transition:color .15s;font-weight:600}
.foot-col a:hover{color:rgba(255,255,255,.8)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.06);padding-top:1.25rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.75rem}
.foot-bottom p{font-size:.76rem;color:rgba(255,255,255,.25);font-weight:600}
.foot-bottom a{font-size:.76rem;color:rgba(255,255,255,.25);text-decoration:none;font-weight:600;transition:color .15s}
.foot-bottom a:hover{color:rgba(255,255,255,.5)}

/* MOBILE */
@media(max-width:960px){
  .hero-inner{grid-template-columns:1fr;gap:2rem}
  .hero-stat-panel{border-radius:16px;padding:1.5rem;border-bottom:1px solid rgba(121,201,204,.2);margin-bottom:1.5rem}
  .cov-grid{grid-template-columns:1fr 1fr}
  .carrier-row{grid-template-columns:120px 1fr auto}
  .carrier-btn{display:none}
  .proof-inner{grid-template-columns:1fr;gap:1.5rem}
  .adv-band{flex-direction:column;align-items:flex-start}
  .adv-band-cta{width:100%;text-align:center;justify-content:center}
  .foot-grid{grid-template-columns:1fr 1fr;gap:2rem}
}
@media(max-width:768px){
  nav{height:64px}
  .nav-logo img{height:48px}
  .mobile-menu{top:64px}
  nav .nav-links,.nav-cta{display:none}
  .nav-hamburger{display:flex}
  .hero{padding:2.5rem 4% 0}
  .section{padding:3rem 4%}
  .hero-stat-panel{display:none}
  .hero-stat-mobile{display:grid;grid-template-columns:repeat(2,1fr);gap:.5rem;background:linear-gradient(135deg,rgba(121,201,204,.08),rgba(121,201,204,.04));border:1px solid rgba(121,201,204,.18);border-radius:12px;padding:.875rem;margin-bottom:1.5rem}
  .hsp-mobile-item{text-align:center}
  .hsp-mobile-n{font-family:'Merriweather',serif;font-size:1.4rem;font-weight:700;color:var(--teal);line-height:1}
  .hsp-mobile-l{font-size:.68rem;color:var(--muted);line-height:1.3;margin-top:2px}
  .seg-grid{display:flex;flex-direction:row;overflow-x:auto;overflow-y:visible;scrollbar-width:none;-webkit-overflow-scrolling:touch;scroll-snap-type:x mandatory;border:none;border-radius:0;gap:.625rem;padding-bottom:.75rem;margin:0 -4%}
  .seg-grid::-webkit-scrollbar{display:none}
  .seg-grid::before{content:'';min-width:4%;flex-shrink:0;display:block}
  .seg-grid::after{content:'';min-width:4%;flex-shrink:0;display:block}
  .seg-item{min-width:200px;max-width:200px;flex-shrink:0;scroll-snap-align:start;border:1px solid var(--border) !important;border-radius:14px !important;flex-direction:column;align-items:flex-start;padding:1.125rem !important;display:flex}
  .seg-item:nth-child(2n){border-right:1px solid var(--border) !important}
  .seg-item:nth-last-child(-n+2){border-bottom:1px solid var(--border) !important}
  .seg-arr{display:none}
  .seg-icon{width:36px;height:36px;border-radius:10px;margin-bottom:.625rem;flex-shrink:0}
  .seg-scroll-hint{display:flex;align-items:center;gap:6px;font-size:.72rem;color:var(--muted);padding:.5rem 0 .25rem;font-weight:600}
  .seg-scroll-dots{display:flex;gap:3px}
  .seg-dot{width:5px;height:5px;border-radius:50%;background:var(--border);transition:all .2s}
  .seg-dot.active{width:14px;border-radius:3px;background:var(--teal)}
  .cov-grid{grid-template-columns:1fr 1fr;gap:.5rem}
  .carrier-list{display:none}
  .carr-acc-list{display:flex;flex-direction:column;border:1px solid var(--border);border-radius:var(--rl);overflow:hidden}
  .carr-acc-item{position:relative;overflow:hidden;border-bottom:1px solid var(--border)}
  .carr-acc-item:last-child{border-bottom:none}
  .carr-acc-item::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:linear-gradient(180deg,var(--teal),var(--td));z-index:1}
  .carr-acc-trigger{display:flex;align-items:center;gap:.75rem;padding:.875rem 1rem .875rem 1.25rem;cursor:pointer;width:100%;background:none;border:none;text-align:left;font-family:'Nunito',sans-serif}
  .carr-acc-logo{flex:1;display:flex;align-items:center;height:24px;overflow:hidden}
  .carr-acc-logo img{height:24px !important;max-height:24px !important;width:auto;max-width:120px;object-fit:contain;display:block;flex-shrink:0}
  .carr-acc-tag{font-size:.67rem;font-weight:800;color:var(--td);background:var(--tp);border:1px solid rgba(121,201,204,.25);padding:2px 8px;border-radius:50px;white-space:nowrap}
  .carr-acc-chev{color:var(--border);transition:transform .22s ease;flex-shrink:0}
  .carr-acc-chev.open{transform:rotate(180deg);color:var(--td)}
  .carr-acc-body{max-height:0;overflow:hidden;transition:max-height .3s ease,opacity .25s ease;opacity:0}
  .carr-acc-body.open{max-height:200px;opacity:1}
  .carr-acc-content{padding:.125rem 1rem 1rem 1.25rem}
  .carr-acc-desc{font-size:.82rem;color:var(--muted);line-height:1.6;margin-bottom:.875rem}
  .carr-acc-btn{display:block;width:100%;text-align:center;font-size:.85rem;font-weight:800;padding:10px;border-radius:50px;background:linear-gradient(135deg,var(--green),var(--gd));color:var(--dark);border:none;cursor:pointer;text-decoration:none;font-family:'Nunito',sans-serif}
  .foot-grid{grid-template-columns:1fr;gap:1.5rem}
  .proof-acts{flex-direction:column}
  .proof-acts a{width:100%;justify-content:center}
}
@media(max-width:540px){
  .hero-h1{font-size:1.85rem}
  .cov-grid{grid-template-columns:1fr}
}

/* ══ HERO ENTRANCE ANIMATIONS ══ */
.hero-ey-anim{opacity:0;animation:fadeUp .5s .05s cubic-bezier(.16,1,.3,1) forwards}
@keyframes fadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}

.hero-word{display:inline-block;overflow:hidden;vertical-align:bottom}
.hero-word-inner{display:inline-block;transform:translateY(110%);animation:wordUp .75s cubic-bezier(.16,1,.3,1) forwards}
@keyframes wordUp{0%{transform:translateY(110%)}65%{transform:translateY(-3%)}82%{transform:translateY(1.5%)}100%{transform:translateY(0)}}
.hw1 .hero-word-inner{animation-delay:.1s}
.hw2 .hero-word-inner{animation-delay:.18s}
.hw3 .hero-word-inner{animation-delay:.26s}
.hw4 .hero-word-inner{animation-delay:.34s}
.hw5 .hero-word-inner{animation-delay:.42s}
.hw6 .hero-word-inner{animation-delay:.5s}

.hero-rule-anim{opacity:0;transform:scaleX(0);transform-origin:left;animation:ruleIn .5s .6s cubic-bezier(.16,1,.3,1) forwards}
@keyframes ruleIn{from{opacity:0;transform:scaleX(0)}to{opacity:1;transform:scaleX(1)}}
.hero-sub-anim{opacity:0;animation:fadeUp .6s .7s cubic-bezier(.16,1,.3,1) forwards}
.hero-pills-anim{opacity:0;animation:fadeUp .5s .82s cubic-bezier(.16,1,.3,1) forwards}
.hero-actions-anim{opacity:0;animation:fadeUp .5s .94s cubic-bezier(.16,1,.3,1) forwards}
.hero-trust-anim{opacity:0;animation:fadeUp .45s 1.05s cubic-bezier(.16,1,.3,1) forwards}
.hero-stat-anim{opacity:0;animation:slideIn .75s .2s cubic-bezier(.16,1,.3,1) forwards}
@keyframes slideIn{from{opacity:0;transform:translateX(32px) scale(.97)}to{opacity:1;transform:none}}

/* ══ CARD HOVER SPRING ══ */
.seg-item{transition:background .15s,box-shadow .3s cubic-bezier(.16,1,.3,1),transform .3s cubic-bezier(.34,1.56,.64,1) !important}
.seg-item:hover{transform:translateY(-2px) !important;box-shadow:0 8px 24px rgba(26,35,50,.08) !important}

.cov-card{transition:background .18s,border-color .18s,transform .3s cubic-bezier(.34,1.56,.64,1),box-shadow .3s cubic-bezier(.16,1,.3,1) !important}
.cov-card:hover{transform:translateY(-4px) !important;box-shadow:0 16px 40px rgba(26,35,50,.1) !important}

.carrier-row{transition:box-shadow .3s cubic-bezier(.16,1,.3,1),border-color .2s,transform .3s cubic-bezier(.34,1.56,.64,1) !important}
.carrier-row:hover{transform:translateY(-3px) !important;box-shadow:0 16px 40px rgba(26,35,50,.1) !important;border-color:transparent !important}

/* ══ BUTTON GLOW RING ══ */
.btn-primary{transition:transform .2s cubic-bezier(.34,1.56,.64,1),box-shadow .2s !important}
.btn-primary:hover{transform:translateY(-2px) scale(1.03) !important;box-shadow:0 0 0 7px rgba(121,201,204,.15),0 8px 28px rgba(121,201,204,.38) !important}
.adv-band-cta{transition:transform .2s cubic-bezier(.34,1.56,.64,1),box-shadow .2s !important}
.adv-band-cta:hover{transform:translateY(-2px) scale(1.03) !important;box-shadow:0 0 0 7px rgba(126,217,87,.15),0 8px 28px rgba(126,217,87,.4) !important}
.carrier-btn{transition:transform .2s cubic-bezier(.34,1.56,.64,1),box-shadow .2s !important}
.carrier-btn:hover{transform:translateY(-2px) scale(1.03) !important;box-shadow:0 6px 20px rgba(126,217,87,.38) !important}

/* ══ FAQ HOVER ══ */
.faq-item{transition:box-shadow .25s cubic-bezier(.16,1,.3,1),border-color .2s}
.faq-item:hover{box-shadow:0 4px 16px rgba(26,35,50,.06);border-color:rgba(121,201,204,.3)}

/* ══ ADVISOR BAND HOVER ══ */
.adv-band{transition:box-shadow .3s cubic-bezier(.16,1,.3,1),transform .3s cubic-bezier(.34,1.56,.64,1)}
.adv-band:hover{box-shadow:0 20px 48px rgba(26,35,50,.15);transform:translateY(-2px)}

/* Mobile — disable hover transforms on touch */
@media(hover:none){
  .seg-item:hover,.cov-card:hover,.carrier-row:hover,.adv-band:hover{transform:none !important;box-shadow:none !important}
}