/* Khalsa First Life public website. White surfaces, the CRM's ink and gold.
   Tokens and components from design/kfl-website-mockup.html (spec section 3). */

:root{
  --canvas:#FBFBFC; --surface:#FFFFFF; --surface-alt:#F4F5F7; --hairline:#E6E7EA;
  --ink:#0B0B0D; --ink-muted:#5B5C61; --deep:#0B0B0D; --deep-panel:#131316; --deep-line:#26262E; --on-deep-muted:#A5A5AE;
  --gold:#C9A94C; --gold-hover:#E0C368; --gold-text:#866919; --gold-on-dark:#E0C368;
  --err:#B7410E; --field:#8A8A95; --ghost-line:#C9CACF;
  --display:'Chakra Petch', system-ui, sans-serif; --body:'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --radius:8px; --wrap:1240px; --gut:24px; --hdr:64px;
  --ease-out:cubic-bezier(.22,1,.36,1);
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%;scroll-padding-top:calc(var(--hdr) + 16px)}
body{margin:0;background:var(--canvas);color:var(--ink);font-family:var(--body);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:clip}
::selection{background:var(--gold);color:var(--ink)}
h1,h2,h3{font-family:var(--display);font-weight:600;line-height:1.1;margin:0;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:56px}
h2{font-size:40px}
h3{font-size:18px;font-weight:500;line-height:1.3}
p{margin:0;text-wrap:pretty}
ul,ol{margin:0;padding:0;list-style:none}
a{color:inherit;text-decoration:none}
img{max-width:100%}
a,button,summary,label{-webkit-tap-highlight-color:transparent}
a,button,summary,input,select,textarea{touch-action:manipulation}
:focus-visible{outline:3px solid var(--gold-text);outline-offset:3px;border-radius:2px}
.deep :focus-visible,.deep-panel :focus-visible,.foot :focus-visible,.bar :focus-visible{outline-color:var(--gold-on-dark)}
.sprite{position:absolute;width:0;height:0;overflow:hidden}
svg.i{width:16px;height:16px;flex:none}
.nowrap{white-space:nowrap}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.muted{color:var(--ink-muted)}
.lead{font-size:18px;line-height:1.6;color:var(--ink-muted);max-width:60ch}
.body{font-size:17px;line-height:1.65;color:var(--ink-muted);max-width:58ch}
.body.story{font-size:18px}
.small{font-size:14px;line-height:1.6;color:var(--ink-muted)}
.legal{font-size:13px;line-height:1.6;color:var(--ink-muted);max-width:80ch}
.surface{background:var(--surface)}
.canvas{background:var(--canvas)}
.alt{background:var(--surface-alt)}
.hair{border-bottom:1px solid var(--hairline)}
.hair-top{border-top:1px solid var(--hairline)}
.deep{background:var(--deep);color:#fff}
.page-dark main{background:var(--deep)}
.deep-panel{background:var(--deep-panel);color:#fff}
.deep .muted,.deep-panel .muted,.deep .lead,.deep-panel .lead,.deep .body,.deep-panel .body,.deep .small,.deep-panel .small{color:var(--on-deep-muted)}
section{padding:80px 0}
section.tall{padding:112px 0}
section.flush{padding:0}
.hero{padding:112px 0 80px}
.strip-legal{padding:32px 0}
.band-wrap{padding:48px 0}
.center{text-align:center}
.measure{max-width:760px}
.measure-wide{max-width:820px}
.narrow{max-width:16ch;margin-left:auto;margin-right:auto}
.narrow-12{max-width:12ch}.narrow-16{max-width:16ch}.narrow-18{max-width:18ch}.narrow-20{max-width:20ch}.narrow-24{max-width:24ch}
.center .narrow-12,.center .narrow-20,.center .narrow-24{margin-left:auto;margin-right:auto}
.gap-top{margin-top:24px}
.gap-md{margin-bottom:32px}
.gap-lg{margin-bottom:40px}
a.inline{color:var(--gold-text);text-decoration:underline;text-underline-offset:2px;font-weight:500}
a.inline:hover{text-decoration-thickness:2px}
.deep a.inline,.deep-panel a.inline{color:var(--gold-on-dark)}

/* eyebrow label, in the display face */
.eyebrow{font-family:var(--display);font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-muted);line-height:1;display:block;margin:0}
.eyebrow b{color:var(--gold-text);font-weight:600}
.eyebrow i{font-style:normal;color:var(--hairline);margin:0 8px}
.deep .eyebrow,.deep-panel .eyebrow{color:var(--on-deep-muted)}
.deep .eyebrow b,.deep-panel .eyebrow b{color:var(--gold-on-dark)}
.deep .eyebrow i,.deep-panel .eyebrow i{color:rgba(255,255,255,.2)}
.eyebrow+h1,.eyebrow+h2{margin-top:22px}
h1+.lead,h2+.lead,h1+.body,h2+.body{margin-top:24px}
.body+.body,.lead+.lead{margin-top:16px}
.eyebrow+.body.story{margin-top:24px}

/* link with the drawn underline */
.ul{position:relative;font-weight:500;font-size:14px;display:inline-flex;align-items:center;gap:6px;min-height:44px}
.ul::after{content:"";position:absolute;left:0;bottom:8px;width:100%;height:1.5px;background:var(--gold);transform:scaleX(0);transform-origin:0;transition:transform .3s var(--ease-out)}
.ul:hover::after,.ul[aria-current="page"]::after{transform:scaleX(1)}
.ul.gold{color:var(--gold-text)}
.ul svg.i{width:14px;height:14px}
.deep .ul.gold,.deep-panel .ul.gold{color:var(--gold-on-dark)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:44px;padding:0 20px;border-radius:6px;font:500 14px/1.2 var(--body);border:1px solid transparent;cursor:pointer;transition:transform .15s var(--ease-out);white-space:nowrap;text-align:center}
.btn:active{transform:translateY(1px)}
.btn-gold{background:var(--gold);color:var(--ink);border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-hover);border-color:var(--gold-hover)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ghost-line)}
.btn-ghost:hover{border-color:var(--ink)}
.deep .btn-ghost,.deep-panel .btn-ghost{color:#fff;border-color:rgba(255,255,255,.28)}
.deep .btn-ghost:hover,.deep-panel .btn-ghost:hover{border-color:#fff}
.btn-lg{min-height:48px;padding:0 24px;font-size:15px}
.btn[disabled],.btn[aria-disabled="true"]{opacity:.6;cursor:default}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:36px}
.actions.center{justify-content:center}
.end{display:flex;justify-content:flex-end}

/* ---------- header ---------- */
.skip{position:absolute;left:-9999px;top:12px;background:var(--gold);color:var(--ink);padding:10px 14px;border-radius:6px;font-weight:600;z-index:60}
.skip:focus{left:12px}
main:focus{outline:none}
.hdr{position:sticky;top:0;z-index:30;background:rgba(251,251,252,.94);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);border-bottom:1px solid var(--hairline)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;height:var(--hdr)}
.logo{display:flex;align-items:center;flex:none;line-height:0}
.logo img{display:block;height:48px;width:auto}
.nav{display:flex;gap:32px}
.nav .ul{min-height:40px}
.nav .ul[aria-current="page"]{color:var(--gold-text)}
.hdr-right{display:flex;align-items:center;gap:12px}
.hdr-right .phone{font-size:14px;font-weight:500;display:inline-flex;align-items:center;gap:6px;color:var(--ink);margin-right:8px;min-height:44px}
.hdr-right .phone svg.i{width:15px;height:15px;color:var(--gold-text)}
.hdr-right .phone:hover{color:var(--gold-text)}
.menu-btn{display:none;width:44px;height:44px;border-radius:6px;border:1px solid var(--hairline);background:var(--surface);color:var(--ink);cursor:pointer;align-items:center;justify-content:center;padding:0}
.menu-btn svg.i{width:20px;height:20px}
.drawer,.backdrop{display:none}

/* ---------- layout ---------- */
.split{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:48px;align-items:center}
.split.top{align-items:start}
.split.wide-gap{gap:64px}
.c4{grid-column:span 4}.c5{grid-column:span 5}.c6{grid-column:span 6}.c7{grid-column:span 7}.c8{grid-column:span 8}
/* The entrance moves, never fades: text is fully visible even if the animation never runs. */
@keyframes rise{from{transform:translateY(14px)}to{transform:none}}
.js .enter{animation:rise .6s var(--ease-out) both}
.js .enter+.enter{animation-delay:.08s}

/* photos: licensed stock (assets/img/CREDITS.md), honest alt text */
.photo{position:relative;border-radius:var(--radius);border:1px solid var(--hairline);background:#EFEAD9;overflow:hidden}
.photo img{display:block;width:100%;height:100%;object-fit:cover}
.photo img.crop-top{object-position:50% 0%}
.photo.r32{aspect-ratio:3/2}.photo.r43{aspect-ratio:4/3}.photo.r21{aspect-ratio:21/9}
.photo .line{position:absolute;left:32px;right:32px;bottom:40px;height:1px;background:var(--gold);box-shadow:0 0 0 .5px rgba(201,169,76,.4)}
.deep .photo,.deep-panel .photo{border-color:rgba(255,255,255,.1);background:#1C1C22}

/* the home hero's three photos. data-at names the one showing, so without
   JavaScript the first stays up; site.js adds the bars and turns them. */
.slides img{position:absolute;inset:0;opacity:0;transition:opacity 1.2s var(--ease-out)}
.slides[data-at="0"] img:nth-of-type(1),.slides[data-at="1"] img:nth-of-type(2),.slides[data-at="2"] img:nth-of-type(3){opacity:1}
.slide-ctl{display:flex;align-items:center;justify-content:flex-end;margin:10px -8px 0 0}
.slide-ctl button{appearance:none;border:0;background:none;margin:0;padding:0;width:32px;height:32px;display:grid;place-items:center;color:var(--ink);cursor:pointer;transition:width .4s var(--ease-out)}
.slide-ctl .dot span{display:block;position:relative;overflow:hidden;width:12px;height:3px;border-radius:2px;background:var(--field);transition:width .4s var(--ease-out),background-color .4s}
.slide-ctl .dot.on{width:52px}
.slide-ctl .dot.on span{width:40px;background:var(--gold)}
.slide-ctl .dot.on span::after{content:"";position:absolute;inset:0;background:var(--gold-text);transform-origin:0 50%;animation:slide-fill 6s linear both}
@keyframes slide-fill{from{transform:scaleX(0)}}
.slide-ctl.paused .dot.on span::after,.slides-wrap:has(:focus-visible) .dot.on span::after{animation-play-state:paused}
.slide-ctl .turn::before{content:"";box-sizing:border-box;width:10px;height:12px;border:solid currentColor;border-width:0 3px}
.slide-ctl.paused .turn::before{width:0;height:0;border-width:6px 0 6px 10px;border-color:transparent transparent transparent currentColor}
@media (hover:hover){
  .slides-wrap:hover .dot.on span::after{animation-play-state:paused}
  .slide-ctl .dot:hover span{background:var(--ink-muted)}
  .slide-ctl .dot.on:hover span{background:var(--gold)}
}
@media (prefers-reduced-motion:reduce){.slide-ctl .turn{display:none}}

/* strip of four */
.strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr))}
.strip p{padding:32px 0;font-family:var(--display);font-weight:500;font-size:16px;line-height:1.4}
.strip p+p{border-left:1px solid var(--hairline);padding-left:28px}

/* feature rows in a bordered box */
.rows{display:grid;gap:1px;border:1px solid var(--hairline);border-radius:var(--radius);overflow:hidden;background:var(--hairline);margin-top:20px}
.rows.flush-top{margin-top:0}
.rows>div{background:var(--surface);padding:24px;display:flex;gap:16px}
.rows>div>div:last-child,.side .row>div{min-width:0}
.side a,.side p,.sent h2,.sent p,.foot .legalrow a{overflow-wrap:anywhere}
.rows h3{font-size:18px}
.rows p{margin-top:6px;font-size:14px;line-height:1.6;color:var(--ink-muted);max-width:52ch}

/* icon tile */
.ico{width:40px;height:40px;border-radius:6px;background:rgba(201,169,76,.14);border:1px solid rgba(201,169,76,.35);display:grid;place-items:center;flex:none;color:var(--gold-text)}
.ico svg.i{width:20px;height:20px}
.deep .ico,.deep-panel .ico{color:var(--gold-on-dark)}

/* cards */
.cards{display:grid;gap:20px;margin-top:48px}
.cards.close{margin-top:32px}
.cards.far{margin-top:56px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{display:flex;flex-direction:column;border:1px solid var(--hairline);border-radius:var(--radius);background:var(--surface);padding:28px;transition:transform .2s var(--ease-out)}
.card h3{margin-top:24px}
.card p{margin-top:8px;flex:1;font-size:14px;line-height:1.6;color:var(--ink-muted)}
.card .ul{margin-top:20px;align-self:flex-start}
.deep .card,.deep-panel .card{background:var(--deep-panel);border-color:rgba(255,255,255,.1);border-radius:12px}
.deep .card p,.deep-panel .card p{color:var(--on-deep-muted)}
@media (hover:hover){
  .card:hover{transform:translateY(-2px);border-color:var(--ghost-line)}
  .deep .card:hover,.deep-panel .card:hover{border-color:rgba(255,255,255,.3)}
  .tile:hover{border-color:var(--gold);transform:translateY(-2px)}
}

/* steps band */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);overflow:hidden;margin-top:56px}
.steps>div{background:var(--deep-panel);padding:40px}
.deep-panel .steps>div{background:var(--deep)}
.steps .num{font-family:var(--display);font-size:48px;font-weight:600;line-height:1;color:#fff;font-variant-numeric:tabular-nums}
.steps .gl{width:40px;height:1px;background:rgba(224,195,104,.7);margin-top:24px}
.steps h3{margin-top:24px;font-size:20px}
.steps p{margin-top:12px;font-size:14px;line-height:1.6;color:var(--on-deep-muted)}

/* product rows (What We Offer) */
.prow .split{align-items:start}
.prow h2{font-size:30px}
.prow .body+.ul{margin-top:8px}
.phead{display:flex;align-items:center;gap:16px}
.list-rows{display:grid;gap:1px;border:1px solid var(--hairline);border-radius:var(--radius);overflow:hidden;background:var(--hairline)}
.list-rows>div{background:var(--surface);padding:28px;display:grid;grid-template-columns:256px minmax(0,1fr) auto;gap:24px;align-items:center}
.list-rows h2{font-size:18px;font-weight:500}
.list-rows p{font-size:15px;line-height:1.6;color:var(--ink-muted)}

/* carriers */
.tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.tile{aspect-ratio:3/2;display:grid;place-items:center;border:1px solid var(--hairline);border-radius:var(--radius);background:var(--surface);font-family:var(--display);font-weight:600;font-size:18px;line-height:1.3;text-align:center;padding:16px;transition:transform .2s var(--ease-out)}
/* a carrier's own logo, sized in the page so every mark carries the same weight; its name under it */
.tile.mark{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px}
.tile.mark img{display:block;max-width:84%;height:auto}
.tile.mark span{font-family:var(--body);font-weight:500;font-size:13px;line-height:1.3;color:var(--ink-muted)}
.band{display:flex;flex-wrap:wrap;gap:16px 48px;font-family:var(--display);font-weight:500;font-size:18px;color:var(--ink-muted)}

/* faq */
.faq{border-top:1px solid var(--hairline)}
.faq details{border-bottom:1px solid var(--hairline);padding:4px 0}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:56px;padding:14px 0;font-family:var(--display);font-weight:500;font-size:18px;line-height:1.35}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";width:10px;height:10px;flex:none;border-right:1.5px solid var(--gold-text);border-bottom:1.5px solid var(--gold-text);transform:rotate(45deg);transition:transform .2s var(--ease-out);margin-right:6px}
.faq details[open] summary::after{transform:rotate(225deg)}
.faq summary:hover{color:var(--gold-text)}
.faq details p{padding:0 0 18px;font-size:17px;line-height:1.65;color:var(--ink-muted);max-width:64ch}

/* product explainer */
.ex .block h2{font-size:28px}
.ex .block+.block{margin-top:56px}
.ex .block .body{margin-top:16px}
.ex .block .body+.body{margin-top:16px}
.ticks{margin-top:16px;display:grid;gap:12px}
.ticks li{display:flex;gap:12px;font-size:17px;line-height:1.6;color:var(--ink-muted)}
.ticks svg.i{width:20px;height:20px;color:var(--gold-text);margin-top:4px}
.hero.crumb-hero{padding-top:48px}
.crumb ol{display:flex;flex-wrap:wrap;gap:6px;font-size:14px;color:var(--ink-muted)}
.crumb li+li::before{content:"/";margin-right:6px;color:var(--ink-muted)}
.crumb a{text-decoration:underline;text-decoration-color:var(--hairline);text-underline-offset:3px}
.crumb a:hover{color:var(--ink);text-decoration-color:var(--gold)}
.crumb [aria-current]{color:var(--ink)}
.crumb+.measure-wide{margin-top:32px}
.band-section{padding:48px 0}
.cta-box{border:1px solid var(--hairline);border-radius:16px;background:var(--surface);padding:48px}
.cta-box h2{font-size:32px;max-width:24ch}
.cta-box .body{margin-top:16px}
.cta-box .actions{margin-top:32px}
.states{display:grid;grid-template-columns:repeat(10,minmax(0,1fr));gap:8px 6px;margin-top:32px}
.states li{text-align:center;font:600 14px/1 var(--display);color:var(--ink);padding:10px 0;border:1px solid var(--hairline);border-radius:6px;background:var(--surface)}

/* forms */
.form{display:grid;grid-template-columns:1fr 1fr;gap:20px;position:relative}
.field{display:flex;flex-direction:column;min-width:0}
.field.full{grid-column:1/-1}
.field>label{font-family:var(--display);font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:8px}
.field>label span{text-transform:none;letter-spacing:0;font-family:var(--body);font-weight:400}
.field input,.field select,.field textarea{height:48px;width:100%;font:400 16px/1.3 var(--body);color:var(--ink);background:var(--surface);border:1px solid var(--field);border-radius:6px;padding:0 14px;margin:0}
.field textarea{height:auto;min-height:120px;padding:12px 14px;resize:vertical;line-height:1.5}
.field select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 16 16'%3E%3Cpath d='M3 6l5 5 5-5' fill='none' stroke='%230B0B0D' stroke-width='1.6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:40px}
.field input::placeholder,.field textarea::placeholder{color:#6E6E78}
.field input:focus-visible,.field select:focus-visible,.field textarea:focus-visible{border-color:var(--ink);outline:3px solid var(--gold-text);outline-offset:1px}
.field.err input,.field.err select,.field.err textarea{border:2px solid var(--err)}
.field .msg{display:none;margin-top:8px;color:var(--err);font-size:16px;font-weight:500;align-items:flex-start;gap:6px;line-height:1.45}
.field.err .msg{display:flex}
.msg svg.i{width:18px;height:18px;margin-top:2px}
.field.consent{grid-column:1/-1;display:grid;grid-template-columns:24px minmax(0,1fr);gap:12px 0;align-items:start}
.consent input{width:24px;height:24px;margin:1px 0 0;accent-color:var(--gold-text);cursor:pointer}
.field.consent>label{font:400 16px/1.55 var(--body);text-transform:none;letter-spacing:0;color:var(--ink-muted);margin:0;padding-left:12px;cursor:pointer}
.consent label a{color:var(--gold-text);text-decoration:underline;text-underline-offset:2px}
.consent .msg{grid-column:1/-1}
.honey{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.summary{grid-column:1/-1;color:var(--err);font-weight:600;font-size:16px}
.summary:empty{display:none}
.status{grid-column:1/-1;font-size:16px;line-height:1.55}
.status:empty{display:none}
.status.preview{border:1px solid var(--gold);background:#FBF6E6;color:var(--ink);border-radius:var(--radius);padding:16px 18px}
.status.fail{color:var(--err);font-weight:500}
.status .retry{margin-top:12px}
.fine{grid-column:1/-1;font-size:13px;line-height:1.6;color:var(--ink-muted);margin-top:4px}
.counter{font-size:13px;color:var(--ink-muted);text-align:right;margin-top:6px;font-variant-numeric:tabular-nums}
.counter:empty{display:none}
.sent{grid-column:1/-1;padding:8px 0}
.sent h2{font-size:28px}
.sent p{margin-top:12px;font-size:17px;color:var(--ink-muted)}
.sent a{color:var(--gold-text);text-decoration:underline;text-underline-offset:2px}
.sent:focus{outline:none}
.form .submit{width:100%}
.side{border:1px solid var(--hairline);border-radius:16px;background:var(--surface);padding:32px}
.side .row{display:flex;gap:12px}
.side .row+.row{padding-top:24px;margin-top:24px;border-top:1px solid var(--hairline)}
.side .row>svg.i{width:20px;height:20px;color:var(--gold-text);margin-top:2px}
.side .row-pad{width:20px;flex:none}
.side .eyebrow{margin-bottom:8px}
.side .big{font-family:var(--display);font-weight:600;font-size:22px;color:var(--ink);display:inline-flex;align-items:center;min-height:44px}
.side .big:hover{color:var(--gold-text)}
.side p{font-size:14px;line-height:1.6;color:var(--ink-muted)}
.side a.plain{color:var(--ink);text-decoration:underline;text-underline-offset:2px}
.side a.plain:hover{color:var(--gold-text)}

/* simple pages */
.notice{margin-top:24px;border:1px solid var(--gold);background:#FBF6E6;border-radius:var(--radius);padding:16px 18px;font-size:16px;line-height:1.55;max-width:60ch}
.prose h2{font-size:24px;margin-top:40px}
.prose h2:first-child{margin-top:0}
.prose p{margin-top:12px;font-size:17px;line-height:1.65;color:var(--ink-muted);max-width:64ch}
.go-list{display:flex;flex-wrap:wrap;gap:4px 28px;margin-top:28px}

/* footer */
.foot{background:var(--deep);color:#fff}
.foot .goldline{height:1px;width:100%;background:rgba(224,195,104,.8)}
.foot .wrap{padding-top:72px;padding-bottom:72px}
.foot .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:48px}
.foot .about{max-width:320px}
.foot .logo img{height:72px}
.foot .about p{margin-top:20px;font-size:14px;line-height:1.6;color:var(--on-deep-muted)}
.foot .about .reach{margin-top:12px;gap:0}
.foot h2{font-family:var(--display);font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--on-deep-muted)}
.foot ul{margin-top:20px;display:flex;flex-direction:column;gap:4px}
.foot .ul{color:#fff;font-size:14px}
.foot .ul::after{background:var(--gold-on-dark)}
.foot .legalrow{margin-top:64px;border-top:1px solid rgba(255,255,255,.1);padding-top:32px}
.foot .legalrow .r{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;font-size:13px;color:var(--on-deep-muted)}
.foot .legalrow .r .ul{font-size:13px}
.foot .disc{margin-top:24px;font-size:13px;line-height:1.65;color:var(--on-deep-muted);max-width:72ch}

/* phone action bar */
.bar{display:none}

/* ---------- 1024 to 1279: the header keeps its links and drops the extras ---------- */
@media (max-width:1279px){
  .nav{gap:24px}
  .hdr-right .phone-lead,.hdr-right .portal{display:none}
}

/* ---------- under 1024: drawer menu, one column ---------- */
@media (max-width:1023px){
  .nav,.hdr-right .phone,.hdr-right .btn{display:none}
  .menu-btn{display:inline-flex}
  .backdrop{display:block;position:fixed;inset:0;background:rgba(11,11,13,.4);-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);opacity:0;transition:opacity .3s;z-index:40}
  .drawer{display:flex;flex-direction:column;position:fixed;top:0;right:0;height:100%;height:100dvh;width:86%;max-width:384px;background:var(--canvas);transform:translateX(100%);transition:transform .3s var(--ease-out);z-index:41;overflow-y:auto;overscroll-behavior:contain;padding-bottom:env(safe-area-inset-bottom)}
  .menu-open .backdrop{opacity:1}
  .menu-open .drawer{transform:none}
  .drawer .top{display:flex;align-items:center;justify-content:space-between;min-height:var(--hdr);padding:0 24px;border-bottom:1px solid var(--hairline)}
  .drawer .links{display:flex;flex-direction:column;padding:24px 24px 8px}
  .drawer .links a{display:flex;align-items:center;min-height:52px;border-bottom:1px solid var(--hairline);font-family:var(--display);font-weight:500;font-size:18px}
  .drawer .links a[aria-current="page"],.drawer .links a:hover{color:var(--gold-text)}
  .drawer .reach{display:flex;flex-direction:column;padding:8px 24px 16px}
  .drawer .reach a{display:flex;align-items:center;gap:10px;min-height:48px;color:var(--gold-text);font-weight:500}
  .drawer .acts{display:flex;flex-direction:column;gap:12px;padding:24px;border-top:1px solid var(--hairline);margin-top:auto}
  .drawer .acts .btn{width:100%}
  .split,.split.wide-gap{grid-template-columns:minmax(0,1fr);gap:36px}
  .c4,.c5,.c6,.c7,.c8{grid-column:auto}
  .end{justify-content:flex-start}
  .strip{grid-template-columns:1fr 1fr}
  .strip p+p{border-left:0;padding-left:0}
  .strip p:nth-child(even){border-left:1px solid var(--hairline);padding-left:24px}
  .strip p:nth-child(n+3){border-top:1px solid var(--hairline)}
  .g3,.g4{grid-template-columns:1fr 1fr}
  .tiles{grid-template-columns:repeat(3,minmax(0,1fr))}
  .steps{grid-template-columns:minmax(0,1fr)}
  .list-rows>div{grid-template-columns:minmax(0,1fr);gap:10px}
  .list-rows .ul{justify-self:start}
}

/* ---------- phone ---------- */
@media (max-width:720px){
  :root{--gut:20px}
  html{scroll-padding-bottom:96px} /* focus never lands under the Call / Text bar */
  h1{font-size:38px}
  h2{font-size:30px}
  .logo img{height:38px}
  .prow h2{font-size:26px}
  .ex .block h2{font-size:24px}
  .cta-box h2{font-size:26px}
  section{padding:56px 0}
  section.tall{padding:72px 0}
  .hero{padding:72px 0 56px}
  .hero.crumb-hero{padding-top:32px}
  .band-section{padding:32px 0}
  .strip,.g3,.g4,.g2,.form,.tiles{grid-template-columns:minmax(0,1fr)}
  .strip p{padding:20px 0;border-top:1px solid var(--hairline)}
  .strip p:nth-child(even){border-left:0;padding-left:0}
  .strip p:first-child{border-top:0}
  .tiles{grid-template-columns:1fr 1fr;gap:12px}
  .tile{font-size:15px}
  .tile.mark{gap:10px;padding:12px}
  .tile.mark span{font-size:12px}
  .band{gap:12px 28px;font-size:16px}
  .states{grid-template-columns:repeat(5,minmax(0,1fr))}
  .photo.r21{aspect-ratio:16/9}
  .photo .line{left:20px;right:20px;bottom:24px}
  .actions .btn{width:100%}
  .cta-box{padding:28px}
  .side{padding:24px}
  .rows>div{padding:20px}
  .steps>div{padding:28px}
  .ex .block+.block{margin-top:40px}
  .foot .cols{grid-template-columns:1fr 1fr;gap:32px}
  .foot .cols .about{grid-column:1/-1}
  .foot .wrap{padding-top:56px;padding-bottom:calc(120px + env(safe-area-inset-bottom))}
  .foot .legalrow{margin-top:48px}
  .bar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:35;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(11,11,13,.96);border-top:1px solid var(--deep-line);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}
  .bar .btn{min-height:48px;padding:0 10px;font-size:15px}
  .bar .btn-ghost{color:#fff;border-color:rgba(255,255,255,.35)}
  .bar svg.i{width:18px;height:18px}
  .menu-open .bar{visibility:hidden}
}

/* no rubber-band bounce with a mouse or trackpad; touch keeps pull-to-refresh */
@media (pointer:fine){html{overscroll-behavior:none}}

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