:root{
  --navy:#0F2F5E;--navy-2:#163E78;--green:#1E7A2E;--green-2:#2E9A3E;--orange:#F07C00;--orange-2:#FF8F1A;
  --gold:#F5B21B;--cream:#FFF9F1;--ink:#1B2433;--muted:#5A6475;--line:#E3E7EE;--white:#fff;
  --serif:"DM Serif Display",Georgia,"Times New Roman",serif;
  --sans:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --script:"Caveat","Segoe Script","Brush Script MT",cursive;
  --wrap:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:#fff;line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:6px}
.wrap{width:min(100% - 40px,var(--wrap));margin-inline:auto}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.1;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 26px;border-radius:999px;font-weight:600;font-size:1rem;border:2px solid transparent;cursor:pointer;transition:background .2s,transform .2s,box-shadow .2s;font-family:inherit}
.btn svg{width:20px;height:20px;flex:none}
.btn-orange{background:var(--orange);color:#fff;box-shadow:0 8px 20px rgba(240,124,0,.28)}
.btn-orange:hover{background:var(--orange-2);transform:translateY(-1px)}
.btn-wa{background:#fff;border-color:var(--green);color:var(--ink)}
.btn-wa svg{color:#25D366}
.btn-wa:hover{background:#F1FAF2}
.link{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--navy);border-bottom:2px solid var(--navy);padding-bottom:2px;font-size:.93rem}
.link svg{width:16px;height:16px;transition:transform .2s}
.link:hover svg{transform:translateX(4px)}

/* Header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);box-shadow:0 1px 0 var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:96px;gap:20px}
.logo img{height:82px;width:auto}
.menu{display:flex;gap:32px;list-style:none;align-items:center}
.menu a{font-size:.93rem;font-weight:500;color:var(--ink);padding:6px 0;border-bottom:2px solid transparent}
.menu a:hover,.menu a.active{color:var(--navy);border-color:var(--green)}
.menu a.active{font-weight:600}
.call{text-align:center}
.call a{display:inline-flex;align-items:center;gap:12px;background:var(--navy);color:#fff;font-weight:600;padding:12px 26px;border-radius:999px;font-size:1.05rem}
.call a:hover{background:var(--navy-2)}
.call svg{width:20px;height:20px}
.call small{display:block;font-size:.75rem;color:var(--muted);margin-top:4px}
.toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.toggle span{display:block;width:26px;height:2px;background:var(--navy);margin:6px 0}

/* Hero */
.hero{position:relative;background:var(--cream);overflow:hidden;min-height:620px;display:flex;align-items:center}
.hero-img{position:absolute;inset:0 0 0 38%;background:url("../assets/img-b77761ae.webp") center/cover no-repeat}
.hero-img::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--cream) 0%,rgba(255,249,241,.85) 14%,rgba(255,249,241,0) 42%)}
.hero-content{position:relative;z-index:2;max-width:560px;padding:64px 0 56px}
.eyebrow{font-weight:600;letter-spacing:.12em;font-size:.95rem;margin-bottom:18px;display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.eyebrow .b{color:#1C63B7}.eyebrow .g{color:var(--green)}
.eyebrow i{width:2px;height:16px;background:var(--navy);display:inline-block}
.hero h1{font-size:clamp(2.8rem,5.6vw,4.6rem);margin-bottom:22px;letter-spacing:-.01em}
.hero h1 span{color:var(--green);display:block}
.hero p{font-size:1.08rem;color:var(--ink);max-width:44ch;margin-bottom:30px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:38px}
.hero-stats{display:flex;flex-wrap:wrap;gap:30px}
.hs{display:flex;align-items:center;gap:12px;font-size:.95rem;line-height:1.3}
.hs svg{width:40px;height:40px;flex:none}
.hs b{display:block;font-size:1.05rem}
.hero-script{position:absolute;right:3%;top:40px;z-index:2;font-family:var(--script);color:var(--navy);font-size:2.4rem;line-height:1.05;transform:rotate(-10deg);text-align:left}
.hero-script span{display:block}
.hero-script span:nth-child(2){margin-left:-10px}.hero-script span:nth-child(3){margin-left:10px}.hero-script span:nth-child(4){margin-left:22px}
.peace{position:absolute;right:28px;bottom:36px;z-index:2;background:#fff;border-radius:18px;padding:16px 20px;display:flex;gap:12px;align-items:center;box-shadow:0 14px 34px rgba(15,47,94,.16);font-size:.9rem;line-height:1.35}
.peace svg{width:30px;height:30px;color:var(--green);flex:none}
.peace div::after{content:"";display:block;height:3px;width:100%;margin-top:8px;border-radius:3px;background:linear-gradient(90deg,var(--orange),var(--gold))}

/* Services */
.services{padding:72px 0 64px}
.sec-head{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin-bottom:34px}
.sec-head h2{font-size:clamp(2rem,3.6vw,2.8rem);display:flex;align-items:center;gap:18px}
.sec-head h2::after{content:"";width:46px;height:2px;background:var(--orange)}
.sec-head a{font-weight:600;color:var(--navy);display:inline-flex;gap:8px;align-items:center}
.sec-head a svg{width:18px;height:18px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{position:relative;border-radius:20px;overflow:hidden;min-height:340px;padding:30px 26px;display:flex;flex-direction:column;box-shadow:0 10px 30px rgba(15,47,94,.08);border:1px solid rgba(15,47,94,.06)}
.card .bg{position:absolute;inset:0 0 0 38%;background-size:cover;background-position:center}
.card .bg::before{content:"";position:absolute;inset:0}
.card.life{background:#FDEFEF}.card.life .bg::before{background:linear-gradient(90deg,#FDEFEF 0%,rgba(253,239,239,.75) 30%,rgba(253,239,239,0) 70%)}
.card.health{background:#EAF3FC}.card.health .bg::before{background:linear-gradient(90deg,#EAF3FC 0%,rgba(234,243,252,.75) 30%,rgba(234,243,252,0) 70%)}
.card.estate{background:#EEF6E9}.card.estate .bg{inset:0 0 0 38%;background-position:72% center}.card.estate .bg::before{background:linear-gradient(90deg,#EEF6E9 0%,rgba(238,246,233,.75) 30%,rgba(238,246,233,0) 70%)}
.card>*:not(.bg){position:relative;z-index:1}
.brand-mark{height:44px;display:flex;align-items:center;margin-bottom:18px}
.kicker{font-size:.72rem;font-weight:600;letter-spacing:.14em;margin-bottom:6px}
.life .kicker{color:#B7102A}.health .kicker{color:#1C63B7}.estate .kicker{color:var(--green)}
.card h3{font-size:1.6rem;margin-bottom:18px;max-width:8.2em;text-shadow:0 0 12px rgba(255,255,255,.9)}
.card ul{text-shadow:0 0 8px rgba(255,255,255,.95)}
.card ul{list-style:none;display:grid;gap:7px;margin-bottom:22px;max-width:60%;font-size:.88rem}
.estate ul{max-width:62%}
.card li{display:flex;gap:9px;align-items:flex-start}
.card li svg{width:17px;height:17px;flex:none;margin-top:2px}
.life li svg{color:var(--orange)}.health li svg{color:#1C63B7}.estate li svg{color:var(--green)}
.card .link{margin-top:auto;align-self:flex-start}

/* Trust strip */
.strip{background:var(--navy);color:#fff;padding:30px 0}
.strip .wrap{display:flex;align-items:center;justify-content:space-between;gap:26px;flex-wrap:wrap}
.si{display:flex;align-items:center;gap:14px;font-weight:500;line-height:1.3}
.si svg{width:44px;height:44px;flex:none}
.strip .script{font-family:var(--script);font-size:2rem;line-height:1;transform:rotate(-6deg)}
.strip .script span{display:block}
.strip .script span+span{margin-left:16px}
.strip .script::after{content:"";display:block;height:3px;width:170px;margin:6px 0 0 30px;border-radius:3px;background:var(--orange);transform:rotate(-4deg)}

/* Advisor + form */
.advisor{display:grid;grid-template-columns:1.5fr 1fr;background:#F3F5F9}
.adv-img{position:relative;min-height:560px;background:url("../assets/img-280018e0.webp") center 20%/cover no-repeat;display:flex;align-items:flex-end}
.adv-img::before{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.9) 30%,rgba(255,255,255,0) 62%)}
.adv-body{position:relative;padding:44px;width:100%}
.adv-body .kicker{color:var(--green);font-size:.8rem}
.adv-body h2{font-size:clamp(1.9rem,3vw,2.5rem);margin-bottom:12px}
.adv-body p{max-width:46ch;margin-bottom:24px;font-size:.98rem}
.adv-row{display:flex;flex-wrap:wrap;gap:22px;align-items:center}
.perk{display:flex;align-items:center;gap:10px;font-size:.88rem;font-weight:500;line-height:1.3}
.perk i{width:48px;height:48px;border-radius:50%;background:#fff;box-shadow:0 6px 16px rgba(15,47,94,.14);display:grid;place-items:center;color:var(--orange)}
.perk i svg{width:24px;height:24px}
.form-wrap{padding:28px}
form{background:#fff;border-radius:20px;padding:34px;box-shadow:0 14px 40px rgba(15,47,94,.1);height:100%;display:flex;flex-direction:column;gap:16px}
form h2{font-size:2.3rem;display:flex;align-items:center;gap:16px}
form h2::after{content:"";width:40px;height:2px;background:var(--orange)}
form>p{color:#1C63B7;font-size:.95rem;margin-top:-10px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
label{display:grid;gap:6px;font-size:.85rem;font-weight:500}
input,select,textarea{font:inherit;font-size:.93rem;padding:12px 14px;border:1.5px solid #D5DBE5;border-radius:10px;width:100%;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy-2);box-shadow:0 0 0 4px rgba(22,62,120,.12)}
textarea{min-height:84px;resize:vertical}
.err{display:none;color:#B3261E;font-size:.85rem}
.safe{display:flex;align-items:center;justify-content:center;gap:8px;font-size:.85rem;color:var(--muted)}
.safe svg{width:16px;height:16px}

/* Awards */
.awards{padding:72px 0}
.awards .sub{color:var(--muted);max-width:60ch;margin:-18px 0 30px}
.gallery{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.gallery button{border:0;padding:0;border-radius:14px;overflow:hidden;aspect-ratio:4/5;cursor:zoom-in;background:#EEF1F6}
.gallery img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.gallery button:hover img{transform:scale(1.05)}
.gallery .more{display:none}
.gallery.all .more{display:block}
.show-all{margin:26px auto 0;display:flex}

/* FAQ */
.faq{background:var(--cream);padding:72px 0}
.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px}
.faq-grid>div:first-child p{color:var(--muted);margin-top:14px}
details{background:#fff;border-radius:14px;margin-bottom:12px;box-shadow:0 4px 14px rgba(15,47,94,.06)}
summary{list-style:none;cursor:pointer;padding:20px 56px 20px 22px;font-weight:600;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:22px;top:13px;font-size:1.7rem;font-weight:400;color:var(--orange);transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details p{padding:0 22px 20px;color:var(--muted)}

/* Footer */
.foot-top{padding:28px 0;border-top:1px solid var(--line)}
.foot-top .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap}
.fc{font-size:.85rem}
.foot-top .logo img{height:76px}
.quote{font-family:var(--script);font-size:1.35rem;color:var(--navy);line-height:1.15;padding-left:22px;border-left:1px solid var(--line);position:relative}
.quote::before{content:"\201C";position:absolute;left:0;top:-2px;color:var(--orange);font-size:2rem}
.fc{display:flex;align-items:center;gap:10px;padding-left:18px;white-space:nowrap;border-left:1px solid var(--line);font-size:.9rem;line-height:1.3}
.fc i{width:44px;height:44px;border-radius:50%;background:var(--green-2);color:#fff;display:grid;place-items:center;flex:none}
.fc i svg{width:22px;height:22px}
.fc b{display:block;font-weight:600}
.fc small{color:var(--muted)}
.fc.loc i{background:none;color:var(--green-2)}
.fc.loc i svg{width:34px;height:34px}
.foot-bot{background:var(--navy);color:#DCE4F2;font-size:.85rem;padding:14px 0}
.foot-bot .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;align-items:center}
.foot-bot nav{display:flex;gap:14px;flex-wrap:wrap}
.foot-bot nav a+a::before{content:"|";margin-right:14px;opacity:.5}
.foot-bot a:hover{color:#fff}
.social{display:flex;gap:10px;margin-left:16px}
.social a{width:30px;height:30px;border-radius:50%;background:rgba(255,255,255,.12);display:grid;place-items:center}
.social svg{width:15px;height:15px}

.wa-float{position:fixed;right:20px;bottom:20px;z-index:60;width:58px;height:58px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 10px 26px rgba(0,0,0,.25)}
.wa-float svg{width:30px;height:30px;color:#fff}

.lightbox{position:fixed;inset:0;background:rgba(10,20,40,.92);z-index:100;display:none;align-items:center;justify-content:center;padding:20px}
.lightbox.open{display:flex}
.lightbox img{max-height:88vh;max-width:min(92vw,1000px);border-radius:12px}
.lb{position:absolute;background:rgba(255,255,255,.14);color:#fff;border:0;width:50px;height:50px;border-radius:50%;font-size:1.6rem;cursor:pointer}
.lb-x{top:18px;right:18px}.lb-p{left:18px}.lb-n{right:18px}

/* Insurance plans */
.plans-sec{padding:40px 0 80px;background:linear-gradient(180deg,#fff 0%,#F3F6FB 30%,#F3F6FB 100%)}
.trust-chips{display:flex;gap:10px;flex-wrap:wrap}
.trust-chips span{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-size:.85rem;font-weight:600;color:var(--navy)}
.trust-chips svg{width:18px;height:18px;color:var(--green)}
.plans-intro{color:var(--muted);max-width:62ch;margin:-14px 0 26px}
.filters{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:30px}
.filters button{font:inherit;font-size:.9rem;font-weight:600;padding:10px 18px;border-radius:999px;border:1.5px solid #CBD5E3;background:#fff;color:var(--navy);cursor:pointer}
.filters button.on{background:var(--navy);border-color:var(--navy);color:#fff}
.plan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:stretch}
.pc{background:#fff;border-radius:22px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 12px 32px rgba(15,47,94,.09);border:1px solid rgba(15,47,94,.07)}
.pc[hidden]{display:none}
.pc-head{--hd:var(--navy);background:var(--hd);color:#fff;padding:24px 24px 22px;position:relative;min-height:150px}
.child .pc-head{--hd:#B3223A}
.wealth .pc-head{--hd:#15604A}
.pc-head h3{color:#fff;font-size:1.4rem;max-width:12.5em;padding-right:70px}
.pc-head p{color:rgba(255,255,255,.82);font-size:.88rem;margin-top:8px;max-width:30ch}
.tag{display:inline-block;background:var(--gold);color:var(--ink);font-size:.72rem;font-weight:700;padding:4px 10px;border-radius:999px;margin-bottom:10px}
.burst,.stamp{position:absolute;right:18px;top:18px;width:84px;height:84px;display:grid;place-content:center;text-align:center;font-size:.68rem;font-weight:600;line-height:1.1;color:#fff}
.burst{background:var(--orange);clip-path:polygon(50% 0,61% 12%,76% 6%,79% 22%,94% 24%,88% 39%,100% 50%,88% 61%,94% 76%,79% 78%,76% 94%,61% 88%,50% 100%,39% 88%,24% 94%,21% 78%,6% 76%,12% 61%,0 50%,12% 39%,6% 24%,21% 22%,24% 6%,39% 12%)}
.burst b{font-size:1.3rem;font-weight:700}
.stamp{border:3px solid var(--gold);border-radius:50%;color:var(--gold);font-size:1.25rem;font-weight:800;transform:rotate(-12deg)}
.stamp small{font-size:.6rem;letter-spacing:.08em;text-transform:uppercase}
.gg{display:grid;grid-template-columns:1fr 1fr;gap:12px;padding:20px 20px 6px}
.gg.one{grid-template-columns:1fr}
.gg>div{border-radius:16px;padding:14px 16px;line-height:1.3}
.gg small{display:block;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:4px}
.gg b{display:block;font-family:var(--serif);font-weight:400;font-size:1.55rem;line-height:1.1;margin-bottom:4px}
.gg span{font-size:.8rem;color:var(--muted)}
.give{background:#EEF3FB}.give small,.give b{color:var(--navy)}
.get{background:#FFF1E2}.get small{color:#C45F00}.get b{color:var(--orange)}
.rows{list-style:none;padding:8px 20px 4px}
.rows li{display:grid;grid-template-columns:36px 1fr;gap:12px;padding:12px 0;border-bottom:1px dashed var(--line)}
.rows li:last-child{border-bottom:0}
.rows em{display:block;font-style:normal;font-size:.76rem;color:var(--muted);font-weight:500}
.rows strong{display:block;font-size:.98rem;color:var(--ink)}
.rows small{display:block;font-size:.8rem;color:var(--muted)}
[class^="ic-"]{width:36px;height:36px;border-radius:10px;background:#EEF3FB;display:block;background-repeat:no-repeat;background-position:center;background-size:20px}
.ic-inc{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230F2F5E' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 17l6-6 4 4 8-8M15 7h6v6'/%3E%3C/svg%3E")}
.ic-gift{background-color:#FFF1E2;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23F07C00' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='3' y='8' width='18' height='4'/%3E%3Cpath d='M5 12v9h14v-9M12 8v13M12 8S10 3 7.5 4.5 9 8 12 8zm0 0s2-5 4.5-3.5S15 8 12 8z'/%3E%3C/svg%3E")}
.ic-shield{background-color:#E8F4EA;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E7A2E' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z'/%3E%3C/svg%3E")}
.ic-bonus{background-color:#FFF6DC;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23C98A00' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='9'/%3E%3Cpath d='M9 9h.01M15 15h.01M16 8l-8 8'/%3E%3C/svg%3E")}
.ic-plus{width:26px;height:26px;border-radius:8px;background-color:#E8F4EA;background-size:16px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E7A2E' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E")}
.facts{display:grid;grid-template-columns:repeat(3,1fr);margin:6px 20px 18px;border:1px solid var(--line);border-radius:14px;overflow:hidden}
.facts div{padding:10px 8px;text-align:center;border-right:1px solid var(--line)}
.facts div:last-child{border-right:0}
.facts dt{font-size:.7rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.facts dd{font-weight:700;color:var(--navy);font-size:.95rem}
.pc-cta{margin:auto 20px 22px;justify-content:center}
.ms{width:calc(100% - 40px);margin:12px 20px 8px;border-collapse:collapse;font-size:.95rem}
.ms caption{text-align:left;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#C45F00;padding-bottom:8px}
.ms th,.ms td{padding:11px 12px;border-bottom:1px solid var(--line)}
.ms tr:nth-child(odd){background:#FFF7EE}
.ms th{text-align:left;font-weight:500;color:var(--muted)}
.ms td{text-align:right;font-weight:700;color:var(--navy);font-variant-numeric:tabular-nums}
.ms tr:last-child td{color:var(--orange);font-size:1.05rem}
.risk{display:flex;align-items:center;gap:12px;margin:10px 20px 18px;padding:12px 14px;background:#E8F4EA;border-radius:14px;font-size:.92rem}
.risk b{color:var(--green)}
.pc.wide{grid-column:1/-1}
.plan-grid>*,.wide-body>*{min-width:0}
.wide .pc-head{min-height:0}
.wide .pc-head h3{max-width:none}
.wide .pc-head p{max-width:none;font-size:1rem}
.wide-body{display:grid;grid-template-columns:1.55fr 1fr;gap:10px;padding:20px 0 0}
.wide .facts{margin-top:0}
.tbl{overflow-x:auto;margin:0 20px}
.opt{width:100%;min-width:520px;border-collapse:collapse;font-size:.93rem}
.opt th{background:var(--navy);color:#fff;font-weight:600;padding:12px 10px;text-align:center;line-height:1.25;font-size:.85rem}
.opt th small{font-weight:400;opacity:.8}
.opt th:first-child{border-radius:12px 0 0 0}.opt th:last-child{border-radius:0 12px 0 0}
.opt td{padding:14px 10px;text-align:center;border-bottom:1px solid var(--line);font-weight:600}
.opt td.hi{color:#15604A;font-weight:700}
.opt tbody tr:nth-child(even){background:#F6F9FD}
.plus{display:flex;align-items:center;gap:10px;margin:16px 20px 20px;font-weight:600;font-size:.93rem}
.pcb{background:#FFF8EC;border:1.5px solid #F6D9A6;border-radius:18px;margin:0 20px 20px 0;padding:22px;display:flex;flex-direction:column}
.pcb h4{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:400;font-size:1.4rem;color:var(--navy)}
.pcb h4 svg{width:24px;height:24px;color:var(--gold)}
.pcb>p{margin:8px 0 6px;font-weight:600}
.pcb ul{list-style:none;display:grid;gap:8px;margin-bottom:18px}
.pcb li{padding-left:26px;position:relative;font-size:.95rem}
.pcb li::before{content:"";position:absolute;left:0;top:5px;width:16px;height:16px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/11px no-repeat}
.pcb .pc-cta{margin:auto 0 0}
.plans-note{margin-top:28px;font-size:.8rem;color:var(--muted);max-width:90ch}
@media (max-width:1100px){.plan-grid{grid-template-columns:1fr 1fr}.wide-body{grid-template-columns:1fr}.pcb{margin:0 20px 20px}}
@media (max-width:700px){.plan-grid{grid-template-columns:1fr}.pc-head h3{font-size:1.25rem}.gg b{font-size:1.3rem}}

/* Careers */
.careers{padding:72px 0;background:#F3F6FB}
.job-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.job-grid>*{min-width:0}
.job{background:#fff;border-radius:22px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 12px 32px rgba(15,47,94,.09);border:1px solid rgba(15,47,94,.07)}
.job-head{--hd:var(--navy);background:var(--hd);color:#fff;padding:24px 26px}
.j-niva .job-head{--hd:linear-gradient(120deg,#0062A8,#1C8FD1)}
.j-second .job-head{--hd:linear-gradient(120deg,#0F6C68,#2E9A3E)}
.j-fba .job-head{--hd:linear-gradient(120deg,#0F2F5E,#1B3F7A)}
.job-head .partner{display:block;font-size:.8rem;opacity:.85;margin-bottom:4px}
.job-head h3{color:#fff;font-size:1.55rem}
.j-second .job-head h3{font-size:1.35rem}
.job-body{padding:22px 26px 6px}
.job-body h4{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:18px 0 10px}
.job-body h4:first-child{margin-top:0}
.pay{background:#FFF1E2;border-radius:16px;padding:16px 18px;margin-bottom:16px}
.pay small{display:block;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#C45F00}
.pay b{display:block;font-family:var(--serif);font-weight:400;font-size:2rem;color:var(--orange);line-height:1.15}
.pay span{font-weight:600;font-size:.9rem}
.checks{list-style:none;display:grid;gap:9px}
.checks li{padding-left:28px;position:relative;font-weight:500;font-size:.95rem}
.checks li::before{content:"";position:absolute;left:0;top:3px;width:18px;height:18px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/12px no-repeat}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pills span{background:#EEF3FB;color:var(--navy);font-size:.83rem;font-weight:600;padding:7px 13px;border-radius:999px}
.perks3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.perks3 div{display:flex;flex-direction:column;gap:8px;font-size:.85rem;font-weight:600;background:#FAFBFD;border:1px solid var(--line);border-radius:14px;padding:12px}
.big3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px}
.big3 div{background:#EAF3FC;border-radius:16px;padding:16px 12px;text-align:center;color:#0062A8}
.big3 svg{width:34px;height:34px;margin:0 auto 8px;display:block}
.big3 b{display:block;font-size:.95rem;color:var(--navy);line-height:1.25}
.levelup{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:center;background:var(--navy);color:#DCE4F2;border-radius:16px;padding:16px 18px;font-size:.9rem}
.levelup b{font-family:var(--serif);font-weight:400;color:var(--gold);font-size:1.7rem;line-height:1}
.levelup strong{color:#fff}
.persona{display:grid;gap:12px}
.persona div{display:grid;grid-template-columns:48px 1fr;column-gap:14px;align-items:center;background:#F1F8EF;border-radius:16px;padding:14px 16px}
.persona i{grid-row:span 2;width:48px;height:48px;border-radius:14px;background:#fff;color:var(--green);display:grid;place-items:center}
.persona i svg{width:24px;height:24px}
.persona b{font-size:.98rem;color:var(--navy)}
.persona span{font-size:.87rem;color:var(--muted)}
.facts.two{grid-template-columns:1fr 1fr;margin:16px 0 0}
.innings{margin:16px 0 4px;font-size:1.05rem}
.innings b{color:var(--orange)}
.job-cta{margin:auto 26px 24px;justify-content:center}
.job-body{padding-bottom:20px}
.job-ctas{margin:18px 26px 24px;margin-top:auto;padding-top:18px;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.job-ctas .job-cta{margin:0}
.btn-call{background:#fff;border-color:var(--navy);color:var(--navy)}
.btn-call:hover{background:#EEF3FB}
@media (max-width:1000px){.job-grid{grid-template-columns:1fr}}
@media (max-width:560px){.big3,.perks3{grid-template-columns:1fr}.big3 div{display:flex;align-items:center;gap:12px;text-align:left}.big3 svg{margin:0}.job-ctas{grid-template-columns:1fr}.job-head h3{font-size:1.3rem}}

/* Deferred explainer */
.deferred{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px 26px;margin-bottom:28px}
.deferred h3{font-size:1.35rem;margin-bottom:16px}
.deferred ol{list-style:none;counter-reset:d;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.deferred li{counter-increment:d;position:relative;padding-top:30px;border-top:2px solid var(--line)}
.deferred li::before{content:counter(d);position:absolute;top:-16px;left:0;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:.85rem;font-weight:700}
.deferred b{display:block;color:var(--navy)}
.deferred span{font-size:.88rem;color:var(--muted)}
.pills.mini{padding:0 20px 4px}
.pills.mini span{font-size:.75rem;background:#F1F5FA}
.health .pc-head{--hd:linear-gradient(120deg,#0062A8,#1C8FD1)}
.rows.nb li{grid-template-columns:36px 1fr}
.ic-health{background-color:#EAF3FC;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230062A8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 21s-8-4.5-8-10a4.5 4.5 0 0 1 8-2.8A4.5 4.5 0 0 1 20 11c0 5.5-8 10-8 10z'/%3E%3C/svg%3E")}
.ic-travel{background-color:#EAF3FC;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230062A8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M2 16l20-6-3-3-5 1-7-6-2 1 4 6-4 1-3-2-1 2z'/%3E%3C/svg%3E")}

/* Real estate */
.re{padding:72px 0;background:#fff}
.re .trust-chips span{color:var(--green);border-color:#CFE4D2;background:#F1F8EF}
.re-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:26px;align-items:start}
.re-main{background:linear-gradient(160deg,#F1F8EF,#FFFDF6);border:1px solid #DDEBDA;border-radius:22px;padding:30px}
.re-main h3{font-size:2.1rem;color:#15604A}
.re-sub{color:var(--muted);margin:8px 0 20px}
.re-main h4,.re-box h4{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:22px 0 10px}
.re-offer{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.re-offer div{background:#fff;border:1px solid #DDEBDA;border-radius:16px;padding:16px}
.re-offer b{display:block;color:var(--navy);margin-top:8px}
.re-offer span{font-size:.85rem;color:var(--muted)}
.re-offer i{width:42px;height:42px;border-radius:12px;background-color:#EAF5E7;display:block;background-repeat:no-repeat;background-position:center;background-size:22px}
.ic-plot{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E7A2E' stroke-width='2' stroke-linejoin='round'%3E%3Cpath d='M3 6h18v12H3z'/%3E%3Cpath d='M9 6v12M15 6v12M3 12h18'/%3E%3C/svg%3E")}
.ic-flat{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E7A2E' stroke-width='2' stroke-linejoin='round'%3E%3Cpath d='M4 21V4h10v17M14 10h6v11'/%3E%3Cpath d='M7 8h4M7 12h4M7 16h4M17 14h1M17 18h1'/%3E%3C/svg%3E")}
.ic-duplex{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E7A2E' stroke-width='2' stroke-linejoin='round'%3E%3Cpath d='M3 11l9-7 9 7'/%3E%3Cpath d='M5 10v10h14V10'/%3E%3Cpath d='M10 20v-5h4v5'/%3E%3C/svg%3E")}
.re-why{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:24px}
.re-why div{background:var(--navy);color:#fff;border-radius:14px;padding:14px;font-size:.88rem;text-align:center}
.re-box{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px 24px;margin-bottom:18px}
.re-box h4{margin-top:0}
.mins{list-style:none;display:grid;gap:0}
.mins li{display:flex;justify-content:space-between;gap:14px;padding:9px 0;border-bottom:1px dashed var(--line);font-size:.92rem}
.mins li:last-child{border-bottom:0}
.mins b{color:var(--green);white-space:nowrap}
.re-note{font-size:.85rem;color:var(--muted);margin-top:10px}
.re-cta{display:grid;gap:10px}
.re-cta .btn{justify-content:center}

/* Featured award */
.award-feat{display:grid;grid-template-columns:.9fr 1.1fr;gap:26px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;margin-bottom:22px;box-shadow:0 10px 30px rgba(15,47,94,.07)}
.award-feat img{width:100%;border-radius:16px}
.award-feat h3{font-size:1.7rem;margin-bottom:10px}
.award-feat p{color:var(--muted);margin-bottom:10px}
.award-feat .cheer{font-size:1.2rem;letter-spacing:2px}
@media (max-width:1000px){.deferred ol{grid-template-columns:1fr 1fr}.re-grid,.award-feat{grid-template-columns:1fr}.re-why{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.deferred ol{grid-template-columns:1fr}.re-offer{grid-template-columns:1fr}.re-main{padding:22px}}

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

@media (max-width:1100px){
  .menu{gap:20px}.menu a{font-size:.86rem}
  .cards{grid-template-columns:1fr 1fr}
  .card.estate{grid-column:1/-1}
  .advisor{grid-template-columns:1fr}
  .form-wrap{padding:20px}
  .hero-script{font-size:1.9rem}
}
@media (max-width:900px){
  .toggle{display:block}
  .menu{position:absolute;top:96px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px;box-shadow:0 12px 20px rgba(0,0,0,.08);display:none}
  .menu.open{display:flex}
  .menu a{display:block;padding:13px 0;border-bottom:1px solid var(--line)}
  .call small{display:none}
  .call a{padding:10px 16px;font-size:.9rem}
  .hero{flex-direction:column;align-items:stretch;min-height:0}
  .hero-img{position:relative;inset:auto;height:360px;order:-1}
  .hero-img::before{background:linear-gradient(0deg,var(--cream) 0%,rgba(255,249,241,0) 35%)}
  .hero-content{padding:10px 0 48px}
  .hero-script{top:18px;right:14px;font-size:1.5rem;color:#fff;text-shadow:0 2px 10px rgba(0,0,0,.35)}
  .peace{display:none}
  .faq-grid{grid-template-columns:1fr;gap:26px}
  .gallery{grid-template-columns:repeat(3,1fr)}
  .quote,.fc{border-left:0;padding-left:0}
}
@media (max-width:640px){
  .nav{height:80px}.logo img{height:64px}.menu{top:80px}
  .call a span{display:none}.call a{padding:12px}
  .cards{grid-template-columns:1fr}
  .card .bg{opacity:.35;inset:0}
  .card ul,.estate ul{max-width:100%}
  .row2{grid-template-columns:1fr}
  .gallery{grid-template-columns:1fr 1fr}
  .adv-body{padding:28px 20px}
  .adv-img{min-height:520px}
  form{padding:24px}
  .strip .wrap{justify-content:flex-start}
  .si{width:calc(50% - 13px)}
}

/* ---------- Inner page banner ---------- */
.pb{background:var(--navy);color:#fff;padding:52px 0 46px;position:relative;overflow:hidden}
.pb.niva{background:linear-gradient(120deg,#00518C,#1C8FD1)}
.pb.est{background:linear-gradient(120deg,#0F5A3C,#2E9A3E)}
.crumb{font-size:.85rem;color:rgba(255,255,255,.75);margin-bottom:14px}
.crumb a{border-bottom:1px solid rgba(255,255,255,.4)}
.crumb a:hover{color:#fff}
.pb h1{color:#fff;font-size:clamp(2.2rem,4.4vw,3.4rem);max-width:18ch}
.pb p{color:rgba(255,255,255,.85);max-width:62ch;margin-top:14px;font-size:1.05rem}
.pb .trust-chips{margin-top:22px}
.pb .trust-chips span{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.25);color:#fff}
.pb .trust-chips svg{color:var(--gold)}

/* Home trust band (under service cards) */
.tband{padding:0 0 64px}
.tband .inner{display:flex;flex-wrap:wrap;gap:14px 18px;align-items:center;justify-content:center;background:#F4F7FB;border:1px solid var(--line);border-radius:20px;padding:22px 26px}
.tband .inner span{display:inline-flex;align-items:center;gap:10px;font-weight:600;color:var(--navy)}
.tband .inner svg{width:22px;height:22px;color:var(--green)}
.tband .sep{width:1px;height:26px;background:var(--line)}

/* ---------- Illustration table ---------- */
.ill{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px;margin-bottom:26px;box-shadow:0 10px 30px rgba(15,47,94,.07)}
.ill h3{font-size:1.6rem}
.ill>p{color:var(--muted);margin:8px 0 20px;max-width:75ch}
.ill-facts{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-bottom:22px}
.ill-facts div{padding:14px 12px;text-align:center;border-right:1px solid var(--line)}
.ill-facts div:last-child{border-right:0}
.ill-facts dt,.ill-facts small{display:block;font-size:.7rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.ill-facts b{display:block;font-weight:700;color:var(--navy);font-size:1.05rem;margin-top:2px}
.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:22px}
.flow div{background:#F5F8FC;border-radius:16px;padding:18px;position:relative}
.flow b{display:block;color:var(--navy);font-size:1.05rem}
.flow em{font-style:normal;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--orange);display:block;margin-bottom:6px}
.flow span{font-size:.88rem;color:var(--muted)}
.ben{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.ben div{border-radius:18px;padding:20px}
.ben .b1{background:#EEF3FB}.ben .b2{background:#FFF1E2}.ben .b3{background:#E8F4EA}
.ben small{display:block;font-size:.72rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--muted)}
.ben strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.8rem;line-height:1.15;color:var(--navy);margin:4px 0}
.ben .b2 strong{color:var(--orange)}
.ben .b3 strong{color:var(--green)}
.ben span{font-size:.85rem;color:var(--muted)}
.scen{width:100%;border-collapse:collapse;margin-top:22px;font-size:.95rem}
.scen th,.scen td{padding:13px 14px;border-bottom:1px solid var(--line);text-align:right}
.scen th:first-child,.scen td:first-child{text-align:left}
.scen thead th{background:var(--navy);color:#fff;font-weight:600;font-size:.85rem}
.scen thead th:first-child{border-radius:12px 0 0 0}.scen thead th:last-child{border-radius:0 12px 0 0}
.scen tbody tr:nth-child(even){background:#F6F9FD}
.scen td{font-variant-numeric:tabular-nums;font-weight:600}
.scen .g{color:var(--green)}
.scen tfoot td,.scen tfoot th{font-weight:700;color:var(--navy);border-top:2px solid var(--navy)}
.ill-note{font-size:.82rem;color:var(--muted);margin-top:14px}

/* ---------- Calculator ---------- */
.calc{background:var(--navy);color:#fff;border-radius:24px;padding:clamp(24px,4vw,40px);display:grid;grid-template-columns:.85fr 1.15fr;gap:32px;margin:34px 0}
.calc h3{color:#fff;font-size:1.9rem}
.calc .lead{color:#C4D2E8;margin:10px 0 22px;font-size:.98rem}
.calc-form{display:grid;gap:18px;align-content:start}
.calc-form label{color:#DCE4F2;font-size:.85rem}
.calc-form input,.calc-form select{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.22);color:#fff}
.calc-form input:focus,.calc-form select:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(245,178,27,.18)}
.calc-form select option{color:var(--ink)}
.calc-form input[type=range]{padding:0;height:34px;border:0;background:transparent;accent-color:var(--gold)}
.rangeval{display:flex;justify-content:space-between;font-weight:700;color:var(--gold);font-size:1.15rem}
.rangeval small{color:#AFC0C2;font-weight:400;font-size:.8rem;align-self:center}
.calc-out{background:#fff;color:var(--ink);border-radius:20px;padding:26px}
.calc-out h4{font-size:1.15rem;color:var(--navy);margin-bottom:4px}
.calc-out .sub{font-size:.85rem;color:var(--muted);margin-bottom:18px}
.kpi{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:18px}
.kpi div{border-radius:16px;padding:16px}
.kpi .k1{background:#EEF3FB}.kpi .k2{background:#FFF1E2}.kpi .k3{background:#E8F4EA}.kpi .k4{background:#F4F1FB}
.kpi small{display:block;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.kpi b{display:block;font-family:var(--serif);font-weight:400;font-size:1.55rem;line-height:1.15;color:var(--navy);margin-top:4px}
.kpi .k2 b{color:var(--orange)}.kpi .k3 b{color:var(--green)}.kpi .k4 b{color:#5B3FA8}
.kpi span{font-size:.78rem;color:var(--muted)}
.bars{display:grid;gap:10px;margin-bottom:18px}
.bar{display:grid;grid-template-columns:110px 1fr auto;gap:12px;align-items:center;font-size:.85rem}
.bar i{height:14px;border-radius:7px;display:block;min-width:6px;transition:width .35s}
.bar .p{background:#9FB4D4}.bar .gi{background:var(--orange)}.bar .mt{background:var(--green)}
.bar b{font-variant-numeric:tabular-nums;color:var(--navy)}
.calc-out .btn{width:100%;justify-content:center;margin-top:4px}
.calc-note{font-size:.78rem;color:var(--muted);margin-top:12px}
.timeline{font-size:.88rem;color:var(--muted);background:#F6F9FD;border-radius:14px;padding:12px 14px;margin-bottom:18px}
.timeline b{color:var(--navy)}

/* ---------- Niva Bupa product cards ---------- */
.nb-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.nb{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 10px 30px rgba(15,47,94,.07)}
.nb header{background:linear-gradient(120deg,#00518C,#1C8FD1);color:#fff;padding:22px 24px}
.nb header h3{color:#fff;font-size:1.5rem}
.nb header small{display:block;font-size:.78rem;opacity:.85;margin-bottom:4px}
.nb-body{padding:22px 24px;display:flex;flex-direction:column;flex:1}
.nb-body ul{list-style:none;display:grid;gap:9px;margin-bottom:18px}
.nb-body li{padding-left:26px;position:relative;font-size:.93rem}
.nb-body li::before{content:"";position:absolute;left:0;top:4px;width:17px;height:17px;border-radius:50%;background:#1C8FD1 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/11px no-repeat}
.nb-body .btn{margin-top:auto;justify-content:center}
.nb .for{background:#EAF3FC;border-radius:12px;padding:10px 14px;font-size:.85rem;margin-bottom:16px}
.nb .for b{color:#00518C}

/* ---------- CTA band ---------- */
.cta-band{background:var(--cream);padding:56px 0;text-align:center}
.cta-band h2{font-size:clamp(1.8rem,3.2vw,2.5rem)}
.cta-band p{color:var(--muted);max-width:56ch;margin:12px auto 24px}
.cta-band .row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

@media (max-width:1000px){
  .ill-facts{grid-template-columns:1fr 1fr 1fr}
  .flow,.ben,.nb-grid{grid-template-columns:1fr 1fr}
  .calc{grid-template-columns:1fr}
}
@media (max-width:640px){
  .ill{overflow-x:auto}
  .scen{min-width:0}
  .scen th,.scen td{padding:11px 6px}
  .ill-facts{grid-template-columns:1fr 1fr}
  .flow,.ben,.nb-grid,.kpi{grid-template-columns:1fr}
  .ill{padding:20px}
  .scen{font-size:.85rem}
  .scen th,.scen td{padding:10px 8px}
  .bar{grid-template-columns:86px 1fr auto;font-size:.78rem}
}

.pc,.plan-grid>*,.wide-body>*,.job-grid>*,.nb-grid>*{min-width:0}
.tbl{max-width:100%}

@media (max-width:760px){
  .pc.wide .tbl{margin:0 14px}
  .opt{min-width:420px}
  .pcb{margin:0 14px 20px}
  .wide-body{gap:0}
}

/* Header stacking fix — solid background, always above page content */
body>header{background:#fff!important;backdrop-filter:none!important;-webkit-backdrop-filter:none!important;z-index:200!important;box-shadow:0 1px 0 var(--line),0 6px 18px rgba(15,47,94,.06)}
main{position:relative;z-index:1}
.wa-float{z-index:210}
.lightbox{z-index:300}

/* Trust chips inside the Life Insurance card */
.card-chips{display:flex;flex-wrap:wrap;gap:8px;margin:-6px 0 16px;max-width:82%}
.card-chips span{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.92);border:1px solid rgba(15,47,94,.12);border-radius:999px;padding:6px 12px;font-size:.76rem;font-weight:600;color:var(--navy);line-height:1.2}
.card-chips svg{width:15px;height:15px;flex:none;color:var(--green)}
@media (max-width:640px){.card-chips{max-width:100%}}

/* Cards size to their own content instead of stretching to the tallest in the row */
.plan-grid,.job-grid,.nb-grid{align-items:start}
.pc.wide{align-self:stretch}

/* Wide plan card fills the rest of its row instead of leaving a gap */
.pc.wide{grid-column:span 2}
@media (max-width:1100px){.pc.wide{grid-column:1/-1}}
@media (max-width:700px){.pc.wide{grid-column:auto}}

/* Inner page banners carry an image on the right */
.pb{background-repeat:no-repeat;background-position:right center;background-size:cover}
.pb .wrap{position:relative;z-index:2}
.pb::before{content:"";position:absolute;inset:0;z-index:1}
.pb::before{background:linear-gradient(95deg,#0F2F5E 0%,rgba(15,47,94,.985) 26%,rgba(15,47,94,.9) 45%,rgba(15,47,94,.62) 68%,rgba(15,47,94,.3) 100%)}
.pb.niva::before{background:linear-gradient(95deg,#00518C 0%,rgba(0,81,140,.985) 26%,rgba(0,81,140,.9) 45%,rgba(0,81,140,.62) 68%,rgba(0,81,140,.3) 100%)}
.pb.est::before{background:linear-gradient(95deg,#0F5A3C 0%,rgba(15,90,60,.985) 26%,rgba(15,90,60,.9) 45%,rgba(15,90,60,.62) 68%,rgba(15,90,60,.28) 100%)}
.pb h1,.pb p,.pb .crumb{max-width:34ch}
@media (max-width:900px){
  .pb::before{background:linear-gradient(90deg,rgba(15,47,94,.97) 0%,rgba(15,47,94,.88) 100%)}
  .pb.niva::before{background:linear-gradient(90deg,rgba(0,81,140,.97) 0%,rgba(0,81,140,.88) 100%)}
  .pb.est::before{background:linear-gradient(90deg,rgba(15,90,60,.97) 0%,rgba(15,90,60,.88) 100%)}
  .pb h1,.pb p{max-width:none}
}

/* Wide tables: show they scroll on small screens */
@media (max-width:640px){
  .ill{position:relative}
  .swipe{display:block;font-size:.75rem;color:var(--muted);margin:10px 0 -6px;text-align:right}
}
.swipe{display:none}

/* Hero script mark would clip over the photo on phones */
@media (max-width:900px){.hero-script{display:none}}

/* PCB card: stack so the full options table is visible */
.pc.wide .wide-body{grid-template-columns:1fr;gap:0}
.pc.wide .pcb{margin:18px 20px 20px}
.pc.wide .opt{min-width:0}
.pc.wide .opt th,.pc.wide .opt td{padding:12px 8px}
@media (max-width:520px){.pc.wide .opt{min-width:420px}}

/* Two-column illustration tables fit a phone, so no swipe hint is needed */
@media (max-width:640px){.ill .swipe{display:none}}

/* ---------- Plan blocks (Axis page) ---------- */
.pbk-list{display:grid;gap:26px}
.pbk{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:0 10px 30px rgba(15,47,94,.07)}
.pbk[hidden]{display:none}
.pbk-top{display:flex;justify-content:space-between;gap:24px;align-items:flex-start;flex-wrap:wrap;margin-bottom:14px}
.pbk-cat{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:5px 11px;border-radius:999px;margin-bottom:10px}
.pbk-cat.protection{background:#EAF3FC;color:#0062A8}
.pbk-cat.traditional{background:#FFF1E2;color:#C45F00}
.pbk-cat.ulip{background:#EEE9FB;color:#5B3FA8}
.pbk-cat.others{background:#E8F4EA;color:#1E7A2E}
.pbk-top h3{font-size:1.7rem;max-width:22ch}
.pbk-type{font-size:.83rem;color:var(--muted);margin-top:6px}
.pbk-act{display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.pbk-act .btn{padding:12px 20px;font-size:.92rem}
.btn-doc{background:#fff;border-color:var(--navy);color:var(--navy)}
.btn-doc:hover{background:#EEF3FB}
.btn-doc svg{width:18px;height:18px}
.pbk-pitch{color:var(--ink);max-width:80ch;margin-bottom:20px}
.pbk-facts{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-bottom:24px}
.pbk-facts div{padding:13px 12px;text-align:center;border-right:1px solid var(--line)}
.pbk-facts div:last-child{border-right:0}
.pbk-facts dt{font-size:.68rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.pbk-facts b{display:block;font-weight:700;color:var(--navy);font-size:.98rem;margin-top:3px}
.pbk-cols{display:grid;grid-template-columns:1.35fr 1fr;gap:34px}
.pbk-cols h4{font-size:.73rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.pbk-cols aside h4+div+h4{margin-top:22px}
.pbk-feats{list-style:none;display:grid;gap:13px}
.pbk-feats li{padding-left:30px;position:relative}
.pbk-feats li::before{content:"";position:absolute;left:0;top:3px;width:19px;height:19px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/12px no-repeat}
.pbk-feats b{display:block;color:var(--navy);font-size:.98rem}
.pbk-feats span{font-size:.9rem;color:var(--muted)}
.pbk-hl{display:grid;gap:10px}
.pbk-hl div{background:#F5F8FC;border-radius:14px;padding:13px 16px}
.pbk-hl strong{display:block;font-family:var(--serif);font-weight:400;font-size:1.45rem;color:var(--navy);line-height:1.15}
.pbk-hl span{font-size:.85rem;color:var(--muted)}
.pbk-note{font-size:.8rem;color:var(--muted);margin-top:14px}
.pbk-extra{margin-top:26px;padding-top:24px;border-top:1px solid var(--line)}
.pbk-extra .ben,.pbk-extra .flow{margin-bottom:20px}
.pbk-extra .scen{margin-top:0}
.pbk-extra .gg,.pbk-extra .rows,.pbk-extra .facts,.pbk-extra .ms,.pbk-extra .risk,.pbk-extra .pills{padding-left:0;padding-right:0;margin-left:0;margin-right:0;width:auto}
.pbk-extra .ms{width:100%}
.pbk-extra .tbl{margin:0}
.pbk-extra .plus{margin:14px 0}
.pbk-extra .pcb{margin:18px 0 0}
.ex-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.mini-ex{background:#FAFBFD;border:1px solid var(--line);border-radius:18px;padding:18px}
.mini-ex h5{font-size:.8rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--orange);margin-bottom:14px}
.mini-ex .wide-body{grid-template-columns:1fr;gap:0}
.mini-ex .opt{min-width:0}
.ex-grid+.mini-ex,.mini-ex+.mini-ex{margin-top:20px}

@media (max-width:1000px){
  .pbk-facts{grid-template-columns:repeat(3,1fr)}
  .pbk-facts div:nth-child(3n){border-right:0}
  .pbk-cols{grid-template-columns:1fr;gap:26px}
  .ex-grid{grid-template-columns:1fr}
}
@media (max-width:640px){
  .pbk{padding:20px}
  .pbk-facts{grid-template-columns:1fr 1fr}
  .pbk-facts div:nth-child(3n){border-right:1px solid var(--line)}
  .pbk-facts div:nth-child(2n){border-right:0}
  .pbk-top h3{font-size:1.35rem}
  .pbk-act{width:100%;display:grid;grid-template-columns:1fr 1fr;gap:10px}
  .pbk-act .btn{width:100%;justify-content:center;white-space:nowrap;padding:12px 10px;font-size:.85rem}
  .pbk-act .btn-doc svg{display:none}
  .pbk-extra{overflow-x:auto}
}

.bar.nobar i{display:none}
.bar.nobar{grid-template-columns:0 1fr;gap:0}
.bar.nobar em{font-style:normal;color:var(--ink);font-size:.88rem}

/* ---------- Niva card actions ---------- */
.nb-act{margin-top:auto;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.nb-act.one{grid-template-columns:1fr}
.nb-act .btn{width:100%;justify-content:center;padding:13px 12px;font-size:.9rem;white-space:nowrap}
.nb-body .btn{margin-top:0}
@media (max-width:420px){.nb-act{grid-template-columns:1fr}}

/* ---------- Quote modal ---------- */
.qmodal{position:fixed;inset:0;z-index:400;background:rgba(10,28,50,.6);backdrop-filter:blur(3px);display:none;align-items:flex-start;justify-content:center;padding:24px 16px;overflow-y:auto}
.qmodal.open{display:flex}
.qmodal-box{background:#fff;border-radius:22px;padding:30px;width:min(100%,560px);margin:auto;position:relative;box-shadow:0 24px 60px rgba(10,28,50,.3)}
.qm-close{position:absolute;top:14px;right:16px;border:0;background:none;font-size:2rem;line-height:1;color:var(--muted);cursor:pointer;padding:4px 8px;border-radius:8px}
.qm-close:hover{background:#F1F4F9;color:var(--ink)}
.qmodal-box h3{font-size:1.9rem}
.qm-plan{display:inline-block;margin:10px 0 20px;background:#EAF3FC;color:#00518C;border-radius:999px;padding:7px 14px;font-size:.85rem;font-weight:600}
#qmForm{display:grid;gap:16px}
.qm-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
#qmForm label{display:grid;gap:6px;font-size:.85rem;font-weight:600}
#qmForm .btn{justify-content:center}
.qm-note{font-size:.8rem;color:var(--muted);text-align:center}
#qmErr{display:none}
@media (max-width:520px){.qm-row{grid-template-columns:1fr}.qmodal-box{padding:24px 20px}}
#qmForm{background:none;border-radius:0;padding:0;box-shadow:none;height:auto}

/* ---------- Real estate project cards ---------- */
.rp-sec{padding:64px 0 24px;background:#fff}
.rp-sec .sec-head p{max-width:70ch;color:var(--muted)}
.rp-list{display:grid;gap:26px}
.rp{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:0 10px 30px rgba(15,47,94,.07)}
.rp-head{display:flex;justify-content:space-between;gap:24px;align-items:flex-start;flex-wrap:wrap;margin-bottom:14px}
.rp-no{display:inline-block;font-family:var(--serif);font-size:1.1rem;color:var(--green);background:#EAF5E7;border-radius:10px;padding:3px 11px;margin-bottom:10px}
.rp-head h3{font-size:1.8rem}
.rp-place{color:var(--muted);font-size:.95rem;margin-top:4px}
.rp-badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.rp-badges span{background:#F1F8EF;border:1px solid #CFE4D2;color:#15604A;border-radius:999px;padding:5px 12px;font-size:.78rem;font-weight:600}
.rp-act{display:flex;gap:10px;flex-wrap:wrap}
.rp-act .btn{padding:12px 20px;font-size:.92rem}
.rp-pitch{max-width:80ch;margin-bottom:22px}
.rp-body{display:grid;grid-template-columns:1.3fr 1fr;gap:34px;align-items:start}
.rp-body h4{font-size:.73rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);margin:22px 0 12px}
.rp-main h4:first-child,.rp-side h4:first-child{margin-top:0}
.pbk-feats.plain li{padding-left:28px}
.pbk-feats.plain li::before{top:4px;width:17px;height:17px;background-size:11px}
.rp-img{display:block;width:100%;border:1px solid var(--line);border-radius:16px;overflow:hidden;padding:0;background:#F3F6FB;cursor:zoom-in;margin-bottom:22px}
.rp-img img{width:100%;height:auto;display:block;transition:transform .5s}
.rp-img:hover img{transform:scale(1.02)}
.rp-price{margin-top:22px;background:#FFF7EE;border:1px solid #F6D9A6;border-radius:16px;padding:16px 18px}
.rp-price h4{margin:0 0 10px}
.rp-price ul{list-style:none;display:grid;gap:9px}
.rp-price li{display:flex;justify-content:space-between;gap:14px;font-size:.92rem;align-items:baseline}
.rp-price b{color:var(--orange);white-space:nowrap}
.rp.slim .rp-body{grid-template-columns:1fr}
@media (max-width:1000px){.rp-body{grid-template-columns:1fr;gap:24px}}
@media (max-width:640px){
  .rp{padding:20px}
  .rp-head h3{font-size:1.4rem}
  .rp-act{width:100%;display:grid;grid-template-columns:1fr 1fr;gap:10px}
  .rp-act .btn{width:100%;justify-content:center}
}
.rp-list>*,.rp-head>div,.rp-body>*{min-width:0}
.rp-badges span{overflow-wrap:anywhere}
.rp-head h3,.rp-place{overflow-wrap:anywhere}
.rp .mins li{flex-wrap:wrap}
.rp .mins li span{flex:1 1 60%;min-width:0;overflow-wrap:anywhere}
.rp .mins b{white-space:normal;text-align:right}
@media (max-width:420px){.rp .mins b{text-align:left;flex-basis:100%}}
.rp-price li{flex-wrap:wrap}
.rp-price li span{flex:1 1 55%;min-width:0}
.rp-price b{white-space:normal;text-align:right}
@media (max-width:460px){.rp-price li{display:grid;gap:2px}.rp-price b{text-align:left}}

/* Become an Advisor: keep the text readable where the panel is tall (phones) */
@media (max-width:900px){
  /* Band height tracks the viewport width so the photo is never over-zoomed
     (the source is 3:2, so a band of 0.62 x width keeps the crop width-driven). */
  .adv-img{--band:min(300px, 66.6vw);min-height:0;
    background-size:100% auto;background-position:center top;background-repeat:no-repeat}
  .adv-img::before{background:linear-gradient(0deg,#fff 0%,#fff calc(100% - var(--band)),rgba(255,255,255,.93) calc(100% - var(--band) + 26px),rgba(255,255,255,0) calc(100% - var(--band) + 62px))}
  .adv-body{padding-top:calc(var(--band) + 34px)}
  .adv-row{display:grid;grid-template-columns:1fr;gap:14px}
  .adv-row .btn{width:100%;justify-content:center}
  .perk{background:#F7FAF6;border:1px solid #E1EDDD;border-radius:14px;padding:10px 14px}
  .perk i{width:40px;height:40px}
  .perk i svg{width:20px;height:20px}
}
@media (min-width:560px) and (max-width:900px){
  .adv-row{grid-template-columns:repeat(3,1fr);grid-template-areas:"b b b" "p1 p2 p3"}
  .adv-row .btn{grid-area:b}
  .adv-row .perk:nth-of-type(1){grid-area:p1}
  .adv-row .perk:nth-of-type(2){grid-area:p2}
  .adv-row .perk:nth-of-type(3){grid-area:p3}
}