/* ==========================================================================
   Joviul Insurance — shared design system
   Palette drawn from the Joviul mark: near-black ink + gilt gold on warm paper.
   Type: Fraunces (display) + Public Sans (UI/body).
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,400;0,9..144,500;0,9..144,600;0,9..144,700;1,9..144,500&family=Public+Sans:wght@400;500;600;700;800&display=swap');

:root{
  --ink:#0B0E14;
  --ink-soft:#161B24;
  --ink-line:rgba(255,255,255,.12);
  --gold:#B8862E;
  --gold-deep:#8F6A22;
  --gold-light:#E7C468;
  --paper:#FAF7F0;
  --panel:#FFFFFF;
  --text:#211D17;
  --muted:#6B6459;
  --line:#E7E0D0;
  --line-soft:#F0EBDF;
  --green:#22A559;
  --shadow:0 18px 40px -18px rgba(11,14,20,.25);
  --radius:14px;
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  background:var(--paper);
  color:var(--text);
  font-family:'Public Sans',sans-serif;
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Fraunces',serif;
  font-weight:600;
  color:var(--ink);
  line-height:1.15;
  margin:0;
}
p{margin:0}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font-family:inherit}
ul{margin:0;padding:0;list-style:none}
:focus-visible{outline:2.5px solid var(--gold);outline-offset:3px}

.wrap{max-width:1160px;margin:0 auto;padding:0 5%}

/* ---------- Topbar ---------- */
.topbar{
  background:var(--ink);
  color:rgba(255,255,255,.72);
  font-size:.78rem;
  padding:.55rem 5%;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:1rem;
  letter-spacing:.1px;
}
.topbar .reg{display:flex;align-items:center;gap:.45rem;color:rgba(231,196,104,.9)}
.topbar-links{display:flex;gap:1.5rem}
.topbar a:hover{color:#fff}

/* ---------- Nav ---------- */
nav{
  background:var(--panel);
  border-bottom:1px solid var(--line);
  padding:.85rem 5%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  position:sticky;
  top:0;
  z-index:300;
}
.logo{display:flex;align-items:center;gap:.65rem}
.logo img{width:38px;height:38px;border-radius:9px;display:block}
.logo-word{font-family:'Fraunces',serif;font-size:1.28rem;font-weight:600;color:var(--ink);letter-spacing:.2px}
.logo-word em{font-style:normal;color:var(--gold)}
.nav-links{display:flex;gap:.15rem;align-items:center}
.nav-links a{
  padding:.55rem 1rem;
  border-radius:8px;
  font-size:.87rem;
  font-weight:600;
  color:var(--text);
  transition:background .15s,color .15s;
}
.nav-links a:hover{background:var(--line-soft)}
.nav-links a.current{color:var(--gold-deep)}
.nav-btn{background:var(--ink)!important;color:#fff!important;margin-left:.4rem}
.nav-btn:hover{background:#000!important}
.nav-toggle{
  display:none;
  width:42px;height:42px;border-radius:8px;border:1px solid var(--line);
  background:none;align-items:center;justify-content:center;cursor:pointer;
}
.nav-toggle span{display:block;width:18px;height:2px;background:var(--ink);position:relative}
.nav-toggle span::before,.nav-toggle span::after{content:'';position:absolute;left:0;width:18px;height:2px;background:var(--ink);transition:transform .2s}
.nav-toggle span::before{top:-6px}
.nav-toggle span::after{top:6px}
.nav-toggle.open span{background:transparent}
.nav-toggle.open span::before{top:0;transform:rotate(45deg)}
.nav-toggle.open span::after{top:0;transform:rotate(-45deg)}

/* ---------- Breadcrumb ---------- */
.breadcrumb{background:var(--line-soft);border-bottom:1px solid var(--line);padding:.7rem 5%;font-size:.82rem;color:var(--muted)}
.breadcrumb a{color:var(--gold-deep);font-weight:600}
.breadcrumb .sep{margin:0 .5rem;opacity:.5}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  padding:.85rem 1.6rem;border-radius:9px;font-weight:700;font-size:.92rem;
  border:1.5px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s,border-color .15s;
  font-family:'Public Sans',sans-serif;
}
.btn svg{flex-shrink:0}
.btn-gold{background:var(--gold);color:#1a1204}
.btn-gold:hover{background:var(--gold-deep);color:#fff;transform:translateY(-1px)}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:#000;transform:translateY(-1px)}
.btn-outline-dark{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.btn-outline-dark:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-outline:hover{border-color:var(--ink)}
.btn-wa{background:#22A559;color:#fff}
.btn-wa:hover{background:#1c8a49;transform:translateY(-1px)}
.btn-block{width:100%}
.btn-sm{padding:.65rem 1.1rem;font-size:.85rem}

/* ---------- Kicker / section head ---------- */
.kicker{
  display:inline-flex;align-items:center;gap:.5rem;
  font-family:'Fraunces',serif;font-style:italic;font-weight:500;
  color:var(--gold-deep);font-size:1rem;margin-bottom:.6rem;
}
.kicker::before{content:'';width:22px;height:1.5px;background:var(--gold)}
.section-head{max-width:640px;margin-bottom:2.75rem}
.section-head h2{font-size:clamp(1.7rem,3.2vw,2.35rem)}
.section-head p{color:var(--muted);font-size:.98rem;margin-top:.75rem;line-height:1.7}

.section{padding:5rem 0}
.bg-panel{background:var(--panel)}
.bg-ink{background:var(--ink);color:#fff}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--ink);overflow:hidden}
.hero-photo{position:absolute;inset:0;opacity:.16}
.hero-photo img{width:100%;height:100%;object-fit:cover}
.hero-glow{position:absolute;top:-20%;right:-10%;width:60%;height:140%;
  background:radial-gradient(circle,rgba(231,196,104,.16),transparent 65%);pointer-events:none}
.hero-inner{
  position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .9fr;gap:3.5rem;
  align-items:center;padding:4.5rem 0;
}
.eyebrow-pill{
  display:inline-flex;align-items:center;gap:.5rem;color:var(--gold-light);
  font-size:.82rem;font-weight:600;margin-bottom:1.25rem;
}
.eyebrow-pill svg{fill:var(--gold-light)}
.hero h1{font-size:clamp(2.3rem,4.6vw,3.4rem);color:#fff;font-weight:600;letter-spacing:-.5px}
.hero h1 .accent{color:var(--gold-light);font-style:italic;font-weight:500}
.hero-sub{color:rgba(255,255,255,.68);font-size:1.02rem;line-height:1.75;margin:1.25rem 0 2rem;max-width:460px}
.hero-ctas{display:flex;gap:.9rem;flex-wrap:wrap}

.pay-card{background:rgba(255,255,255,.045);border:1px solid var(--ink-line);border-radius:16px;padding:1.9rem;backdrop-filter:blur(6px)}
.pay-card h3{color:#fff;font-size:1rem;font-weight:600;margin-bottom:1.3rem;padding-bottom:.9rem;border-bottom:1px solid var(--ink-line)}
.pay-figures{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin-bottom:1.15rem}
.pay-figure{background:rgba(0,0,0,.28);border-radius:10px;padding:1rem}
.pay-figure .lbl{font-size:.68rem;text-transform:uppercase;letter-spacing:1px;color:rgba(255,255,255,.45);margin-bottom:.25rem}
.pay-figure .val{color:var(--gold-light);font-size:1.15rem;font-weight:700;font-family:'Fraunces',serif}
.quick-links{display:flex;flex-direction:column;gap:.5rem}
.quick-link{
  display:flex;align-items:center;justify-content:space-between;padding:.8rem 1rem;
  background:rgba(255,255,255,.04);border:1px solid var(--ink-line);border-radius:9px;
  color:#fff;font-size:.87rem;font-weight:600;transition:border-color .15s,background .15s;
}
.quick-link:hover{border-color:rgba(231,196,104,.5);background:rgba(231,196,104,.08)}
.quick-link svg{stroke:rgba(255,255,255,.4);flex-shrink:0}

/* ---------- Stats strip ---------- */
.stats-strip{border-bottom:1px solid var(--line)}
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);padding:2.4rem 0}
.stat{text-align:center;border-left:1px solid var(--line)}
.stat:first-child{border-left:none}
.stat-n{font-family:'Fraunces',serif;font-size:2rem;font-weight:600;color:var(--gold-deep)}
.stat-l{font-size:.8rem;color:var(--muted);margin-top:.3rem}

/* ---------- Product cards ---------- */
.products-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.prod-card{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  overflow:hidden;transition:transform .2s,box-shadow .2s,border-color .2s;
  display:flex;flex-direction:column;
}
.prod-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.prod-img-wrap{position:relative;height:170px;overflow:hidden;background:var(--line-soft)}
.prod-img-wrap img{width:100%;height:100%;object-fit:cover}
.prod-tag{
  position:absolute;top:.85rem;left:.85rem;background:var(--ink);color:var(--gold-light);
  font-size:.68rem;font-weight:700;letter-spacing:.3px;padding:.3rem .65rem;border-radius:6px;
}
.prod-body{padding:1.4rem;display:flex;flex-direction:column;flex:1}
.prod-title{font-family:'Fraunces',serif;font-size:1.12rem;font-weight:600;color:var(--ink);margin-bottom:.5rem}
.prod-desc{font-size:.86rem;color:var(--muted);line-height:1.65;margin-bottom:1.1rem;flex:1}
.prod-price{font-size:.8rem;color:var(--muted);padding-top:.9rem;border-top:1px solid var(--line);margin-bottom:1.1rem}
.prod-price strong{color:var(--gold-deep);font-family:'Fraunces',serif;font-size:1.05rem}
.prod-btn{
  display:flex;align-items:center;justify-content:center;width:100%;padding:.75rem;
  background:var(--line-soft);color:var(--ink);border-radius:8px;font-weight:700;font-size:.87rem;
  transition:background .15s,color .15s;
}
.prod-btn:hover{background:var(--ink);color:#fff}
.view-all-row{text-align:center;margin-top:2.75rem}

/* ---------- About / info split ---------- */
.info-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:4rem;align-items:center}
.info-img{width:100%;border-radius:var(--radius);aspect-ratio:4/3;object-fit:cover;box-shadow:var(--shadow)}
.info-text p{color:var(--muted);font-size:.95rem;line-height:1.8;margin-bottom:.9rem}
.value-rail{margin-top:1.75rem;border-left:2px solid var(--line);padding-left:1.25rem;display:flex;flex-direction:column;gap:1.15rem}
.value-item{position:relative}
.value-item::before{content:'';position:absolute;left:-1.5rem;top:.35rem;width:8px;height:8px;border-radius:50%;background:var(--gold)}
.value-item strong{display:block;font-family:'Fraunces',serif;font-size:1rem;color:var(--ink);margin-bottom:.15rem}
.value-item span{font-size:.87rem;color:var(--muted)}

/* ---------- Cover compare ---------- */
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.compare-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:2rem}
.compare-card.featured{border-color:var(--gold);position:relative;box-shadow:var(--shadow)}
.compare-flag{position:absolute;top:-.75rem;left:1.75rem;background:var(--gold);color:#1a1204;font-size:.7rem;font-weight:700;padding:.3rem .7rem;border-radius:6px}
.compare-title{font-family:'Fraunces',serif;font-size:1.15rem;font-weight:600;color:var(--ink);margin-bottom:.75rem}
.compare-text{font-size:.88rem;color:var(--muted);line-height:1.75}

/* ---------- FAQ ---------- */
.faq-list{display:flex;flex-direction:column;border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{
  width:100%;text-align:left;background:none;border:none;cursor:pointer;
  display:flex;align-items:center;justify-content:space-between;gap:1rem;
  padding:1.35rem 0;font-family:'Fraunces',serif;font-size:1.05rem;color:var(--ink);font-weight:600;
}
.faq-q .plus{width:22px;height:22px;flex-shrink:0;position:relative}
.faq-q .plus::before,.faq-q .plus::after{content:'';position:absolute;background:var(--gold-deep);transition:transform .2s}
.faq-q .plus::before{left:0;top:50%;width:100%;height:2px;transform:translateY(-50%)}
.faq-q .plus::after{top:0;left:50%;width:2px;height:100%;transform:translateX(-50%)}
.faq-item.open .plus::after{transform:translateX(-50%) rotate(90deg);opacity:0}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a p{font-size:.9rem;color:var(--muted);line-height:1.75;padding-bottom:1.35rem;max-width:640px}

/* ---------- Claims timeline ---------- */
.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;position:relative}
.timeline::before{content:'';position:absolute;top:22px;left:12%;right:12%;height:1.5px;background:var(--line);z-index:0}
.tl-step{position:relative;z-index:1}
.tl-num{
  width:44px;height:44px;background:var(--ink);color:var(--gold-light);border-radius:50%;
  display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;font-weight:600;
  font-size:1.02rem;margin-bottom:1.1rem;
}
.tl-title{font-family:'Fraunces',serif;font-weight:600;font-size:1rem;color:var(--ink);margin-bottom:.5rem}
.tl-text{font-size:.85rem;color:var(--muted);line-height:1.65}

/* ---------- Payment band ---------- */
.pay-band{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.pay-band-inner{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center;padding:4.5rem 0}
.pay-band h2{color:#fff;font-size:1.85rem;margin-bottom:1rem}
.pay-band p{color:rgba(255,255,255,.68);font-size:.95rem;line-height:1.75;margin-bottom:1.6rem;max-width:420px}
.pay-band-ctas{display:flex;gap:1rem;flex-wrap:wrap}
.pay-list{background:rgba(255,255,255,.05);border:1px solid var(--ink-line);border-radius:14px;padding:1.75rem}
.pay-list-row{display:flex;justify-content:space-between;align-items:center;padding:.9rem 0;border-bottom:1px solid var(--ink-line)}
.pay-list-row:last-child{border:none}
.pay-list-row .k{font-size:.76rem;text-transform:uppercase;letter-spacing:1px;color:rgba(255,255,255,.5)}
.pay-list-row .v{font-family:'Fraunces',serif;font-size:1.08rem;font-weight:600;color:var(--gold-light)}

/* ---------- Partners ---------- */
.partners-row{display:flex;flex-wrap:wrap;gap:2rem;justify-content:center;align-items:center}
.partner-logo{height:46px;width:auto;max-width:120px;object-fit:contain;filter:grayscale(1);opacity:.55;transition:all .25s;border-radius:4px}
.partner-logo:hover{filter:none;opacity:1}

/* ---------- Testimonials ---------- */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.testi-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:1.75rem}
.testi-quote{font-family:'Fraunces',serif;font-style:italic;font-size:1.02rem;color:var(--ink);line-height:1.6;margin-bottom:1.25rem}
.testi-who{display:flex;align-items:center;gap:.7rem}
.testi-avatar{width:36px;height:36px;border-radius:50%;background:var(--gold);color:#1a1204;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.85rem;flex-shrink:0}
.testi-name{font-size:.86rem;font-weight:700;color:var(--ink)}
.testi-loc{font-size:.78rem;color:var(--muted)}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem}
.contact-detail{display:flex;align-items:flex-start;gap:1rem;margin-bottom:1.5rem}
.cd-icon{width:44px;height:44px;background:var(--line-soft);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.cd-icon svg{fill:var(--gold-deep)}
.cd-label{font-size:.72rem;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin-bottom:.2rem}
.cd-val{font-size:.96rem;color:var(--ink);font-weight:600}
.cta-stack{display:flex;flex-direction:column;gap:.85rem}
.cta-row{
  display:flex;align-items:center;gap:1rem;padding:1.05rem 1.35rem;border-radius:10px;
  font-weight:700;font-size:.94rem;transition:transform .15s,box-shadow .15s;border:1.5px solid transparent;
}
.cta-row:hover{transform:translateY(-2px)}
.cta-row svg{flex-shrink:0}
.cta-row span{flex:1}
.cta-row.wa{background:#22A559;color:#fff}
.cta-row.call{background:var(--ink);color:#fff}
.cta-row.sms{background:var(--panel);color:var(--ink);border-color:var(--line)}
.cta-row.pay{background:var(--gold);color:#1a1204}

/* ---------- Footer ---------- */
footer{background:var(--ink);color:rgba(255,255,255,.55);padding:2.75rem 0 2rem}
.footer-top{display:flex;justify-content:space-between;align-items:flex-start;gap:2rem;flex-wrap:wrap;padding-bottom:1.75rem;border-bottom:1px solid var(--ink-line)}
.footer-brand{display:flex;align-items:center;gap:.6rem}
.footer-brand img{width:32px;height:32px;border-radius:8px}
.footer-brand-word{font-family:'Fraunces',serif;color:#fff;font-weight:600;font-size:1.05rem}
.footer-reg{font-size:.78rem;color:rgba(255,255,255,.4);margin-top:.35rem;max-width:280px;line-height:1.5}
.footer-links{display:flex;gap:2.5rem;flex-wrap:wrap}
.footer-col h4{font-family:'Public Sans',sans-serif;color:#fff;font-size:.78rem;text-transform:uppercase;letter-spacing:1px;margin-bottom:.9rem;font-weight:700}
.footer-col a{display:block;font-size:.85rem;color:rgba(255,255,255,.55);margin-bottom:.6rem;transition:color .15s}
.footer-col a:hover{color:var(--gold-light)}
.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:.75rem;padding-top:1.5rem;font-size:.8rem}

/* ---------- Floating WhatsApp ---------- */
.wa-float{
  position:fixed;bottom:1.4rem;right:1.4rem;z-index:400;
  width:58px;height:58px;border-radius:50%;background:#22A559;color:#fff;
  display:flex;align-items:center;justify-content:center;box-shadow:0 10px 30px -8px rgba(34,165,89,.6);
  transition:transform .2s;
}
.wa-float:hover{transform:scale(1.07)}

/* ---------- Forms (quote pages) ---------- */
.page-hero{background:var(--ink);position:relative;overflow:hidden}
.page-hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center;padding:3.75rem 0}
.page-hero-imgs{display:grid;gap:.6rem;border-radius:14px;overflow:hidden;height:270px}
.page-hero-imgs.two-col{grid-template-columns:1fr 1fr}
.page-hero-imgs img{width:100%;height:100%;object-fit:cover}
.page-hero-title{font-size:clamp(2rem,4vw,2.7rem);color:#fff;font-weight:600}
.page-hero-title .accent{color:var(--gold-light);font-style:italic;font-weight:500}
.page-hero-sub{color:rgba(255,255,255,.68);font-size:.96rem;line-height:1.7;margin-top:.85rem;max-width:440px}

.main-grid{display:grid;grid-template-columns:1fr 360px;gap:2.5rem;align-items:start;padding:3.25rem 0 5rem}
.form-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow)}
.form-card-title{font-family:'Fraunces',serif;font-size:1.15rem;font-weight:600;color:var(--ink);margin-bottom:1.5rem;padding-bottom:1rem;border-bottom:1px solid var(--line)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}
.full{grid-column:1/-1}
.field{display:flex;flex-direction:column;gap:.4rem}
.field label{font-size:.74rem;font-weight:700;color:var(--muted);letter-spacing:.4px;text-transform:uppercase}
.field input,.field select,.field textarea{
  padding:.78rem 1rem;border:1.5px solid var(--line);border-radius:8px;color:var(--ink);
  font-family:'Public Sans',sans-serif;font-size:.92rem;background:#fff;outline:none;width:100%;
  transition:border-color .15s,box-shadow .15s;
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(184,134,46,.15)}
.field select{
  cursor:pointer;appearance:none;-webkit-appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath fill='%236B6459' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 1rem center;padding-right:2.5rem;
}
.field textarea{resize:vertical;min-height:90px}
.form-btns{display:grid;grid-template-columns:1fr 1fr;gap:.85rem;margin-top:1.6rem}

.sidebar{display:flex;flex-direction:column;gap:1.5rem}
.side-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow)}
.side-card-title{font-family:'Fraunces',serif;font-size:.98rem;font-weight:600;color:var(--ink);margin-bottom:1rem;padding-bottom:.8rem;border-bottom:1px solid var(--line)}
.price-row{display:flex;justify-content:space-between;align-items:center;padding:.65rem 0;border-bottom:1px solid var(--line-soft)}
.price-row:last-child{border:none}
.price-label{font-size:.83rem;color:var(--muted)}
.price-val{font-size:.92rem;font-weight:700;color:var(--ink)}
.price-val.gold{color:var(--gold-deep);font-family:'Fraunces',serif;font-size:1rem}
.info-list{display:flex;flex-direction:column;gap:.55rem}
.info-item{display:flex;align-items:flex-start;gap:.6rem;font-size:.84rem;color:var(--muted);line-height:1.5}
.info-item::before{content:'✓';color:var(--gold-deep);font-weight:700;flex-shrink:0}

/* ---------- Other products page ---------- */
.prod-block{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:start;padding:3.75rem 0;border-bottom:1px solid var(--line)}
.prod-block:first-child{padding-top:0}
.prod-block:last-child{border-bottom:none}
.prod-block.reverse{direction:rtl}
.prod-block.reverse>*{direction:ltr}
.prod-visual{position:relative}
.prod-visual img{width:100%;border-radius:var(--radius);aspect-ratio:4/3;object-fit:cover;box-shadow:var(--shadow)}
.prod-visual-badge{position:absolute;bottom:-1rem;left:1.75rem;background:var(--ink);color:var(--gold-light);padding:.6rem 1.2rem;border-radius:8px;font-size:.78rem;font-weight:700}
.op-title{font-family:'Fraunces',serif;font-size:1.65rem;font-weight:600;color:var(--ink);margin-bottom:.85rem}
.price-tag{display:inline-flex;align-items:baseline;gap:.35rem;background:var(--line-soft);border:1px solid var(--line);border-radius:8px;padding:.55rem 1.1rem;margin-bottom:1.4rem}
.price-tag .from{font-size:.74rem;color:var(--muted)}
.price-tag .num{font-family:'Fraunces',serif;font-size:1.35rem;font-weight:600;color:var(--gold-deep)}
.price-tag .per{font-size:.74rem;color:var(--muted)}
.prod-covers{display:grid;grid-template-columns:1fr 1fr;gap:.65rem;margin-bottom:1.75rem}
.cover-item{display:flex;align-items:flex-start;gap:.6rem;font-size:.85rem;color:var(--text);line-height:1.45}
.cover-item::before{content:'✓';color:var(--gold-deep);font-weight:700;flex-shrink:0}
.prod-reqs{background:var(--line-soft);border-radius:10px;padding:1.35rem;margin-bottom:1.6rem}
.prod-reqs h4{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--ink);margin-bottom:.8rem}
.req-item{display:flex;align-items:flex-start;gap:.6rem;font-size:.84rem;color:var(--muted);margin-bottom:.4rem}
.req-item::before{content:'›';color:var(--gold-deep);font-weight:700;flex-shrink:0}

/* ---------- Checkout ---------- */
.plans-row{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-bottom:2rem}
.plan-card{background:var(--panel);border:1.5px solid var(--line);border-radius:var(--radius);padding:1.5rem;cursor:pointer;transition:all .15s;text-align:center}
.plan-card:hover{border-color:var(--gold-light)}
.plan-card.active{border-color:var(--gold);background:#FDF8EC}
.plan-name{font-weight:700;font-size:.92rem;color:var(--ink);margin-bottom:.4rem}
.plan-price{font-family:'Fraunces',serif;font-size:1.3rem;font-weight:600;color:var(--gold-deep)}
.plan-period{font-size:.74rem;color:var(--muted);margin-top:.25rem}
.checkout-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:start}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.card-header{padding:1.3rem 1.6rem;border-bottom:1px solid var(--line)}
.card-header h2{font-family:'Fraunces',serif;font-size:1.02rem;font-weight:600;color:var(--ink);display:flex;align-items:center;gap:.65rem}
.card-header .badge{width:26px;height:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:700;flex-shrink:0;background:var(--ink);color:var(--gold-light)}
.card-body{padding:1.6rem}
.mpesa-hero{background:linear-gradient(135deg,var(--ink),#22262f);border-radius:10px;padding:1.75rem;margin-bottom:1.3rem;text-align:center}
.mpesa-logo-text{font-family:'Fraunces',serif;font-size:1.4rem;font-weight:600;color:var(--gold-light);letter-spacing:1px}
.mpesa-tagline{font-size:.78rem;color:rgba(255,255,255,.55);margin-top:.2rem}
.detail-box{background:#FDF8EC;border:1px solid #EFDDB3;border-radius:10px;padding:1.3rem;margin-bottom:1.1rem}
.detail-row{display:flex;justify-content:space-between;align-items:center;padding:.5rem 0;border-bottom:1px solid #EFE0BC}
.detail-row:last-child{border:none;padding-bottom:0}
.detail-key{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.5px}
.detail-val{font-family:'Fraunces',serif;font-size:1.02rem;font-weight:600;color:var(--gold-deep)}
.mpesa-steps{display:flex;flex-direction:column;gap:.75rem;margin-bottom:1.3rem}
.mpesa-step{display:flex;align-items:flex-start;gap:.9rem;padding:1rem;background:var(--line-soft);border-radius:10px}
.step-num{width:28px;height:28px;background:var(--ink);color:var(--gold-light);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:700;flex-shrink:0}
.step-title{font-size:.88rem;font-weight:700;color:var(--ink);margin-bottom:.15rem}
.step-desc{font-size:.8rem;color:var(--muted);line-height:1.55}
.step-highlight{display:inline-block;background:var(--gold);color:#1a1204;font-weight:700;padding:.1rem .5rem;border-radius:5px;font-size:.85rem}
.security-row{display:flex;gap:1.25rem;align-items:center;justify-content:center;padding:1.1rem;background:var(--line-soft);border-radius:10px;margin-top:1rem}
.sec-badge{display:flex;align-items:center;gap:.4rem;font-size:.76rem;color:var(--muted);font-weight:600}
.sec-badge svg{fill:var(--gold-deep)}
.agent-options{display:flex;flex-direction:column;gap:.85rem}
.agent-option{display:flex;align-items:center;gap:1rem;padding:1.1rem 1.25rem;border-radius:10px;border:1.5px solid var(--line);transition:transform .15s,box-shadow .15s;background:#fff}
.agent-option:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.ao-icon{width:44px;height:44px;border-radius:9px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.ao-icon svg{fill:#fff}
.ao-icon.wa{background:#22A559}.ao-icon.call{background:var(--ink)}.ao-icon.sms{background:#444}
.ao-label{font-weight:700;font-size:.94rem;color:var(--ink)}
.ao-sub{font-size:.79rem;color:var(--muted);margin-top:.1rem}
.ao-arrow{color:var(--muted);margin-left:auto}
.or-divider{display:flex;align-items:center;gap:1rem;margin:1.5rem 0;color:var(--muted);font-size:.82rem;font-weight:600}
.or-divider::before,.or-divider::after{content:'';flex:1;height:1px;background:var(--line)}
.summary-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;margin-bottom:2rem;box-shadow:var(--shadow)}
.summary-title{font-size:.82rem;font-weight:700;color:var(--ink);margin-bottom:1rem;text-transform:uppercase;letter-spacing:.6px}
.summary-select{
  width:100%;padding:.85rem 1rem;border:1.5px solid var(--line);border-radius:8px;
  font-family:'Public Sans',sans-serif;font-size:.92rem;color:var(--ink);background:#fff;
  outline:none;cursor:pointer;appearance:none;-webkit-appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath fill='%236B6459' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 1rem center;padding-right:2.5rem;
  transition:border-color .15s,box-shadow .15s;
}
.summary-select:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(184,134,46,.15)}
.selected-price{display:flex;justify-content:space-between;align-items:center;margin-top:1rem;padding:1.1rem;background:var(--line-soft);border-radius:10px}
.sp-label{font-size:.82rem;color:var(--muted)}
.sp-price{font-family:'Fraunces',serif;font-size:1.4rem;font-weight:600;color:var(--gold-deep)}
.other-pay-row{display:flex;align-items:center;gap:.85rem;padding:.85rem;background:var(--line-soft);border-radius:8px;font-size:.88rem}
.other-pay-row svg{fill:var(--gold-deep);flex-shrink:0}

/* ---------- Utility ---------- */
.mt-lg{margin-top:1.5rem}
.text-center{text-align:center}

/* ---------- Mobile nav drawer ---------- */
.nav-drawer{
  position:fixed;inset:0;z-index:500;display:none;
}
.nav-drawer.open{display:block}
.nav-drawer-backdrop{position:absolute;inset:0;background:rgba(11,14,20,.55)}
.nav-drawer-panel{
  position:absolute;top:0;right:0;bottom:0;width:78%;max-width:320px;background:#fff;
  padding:1.5rem 1.5rem 2rem;display:flex;flex-direction:column;gap:.3rem;
  box-shadow:-20px 0 40px rgba(0,0,0,.2);
}
.nav-drawer-panel a{padding:.9rem .25rem;font-weight:700;font-size:1rem;color:var(--ink);border-bottom:1px solid var(--line)}
.nav-drawer-close{align-self:flex-end;width:36px;height:36px;border-radius:8px;border:1px solid var(--line);background:none;margin-bottom:.5rem;cursor:pointer}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media(max-width:980px){
  .hero-inner,.pay-band-inner,.info-grid,.contact-grid,.page-hero-inner{grid-template-columns:1fr}
  .pay-card,.page-hero-imgs{display:none}
  .products-grid{grid-template-columns:1fr 1fr}
  .timeline{grid-template-columns:1fr 1fr;row-gap:2rem}
  .timeline::before{display:none}
  .testi-grid{grid-template-columns:1fr}
  .main-grid{grid-template-columns:1fr}
  .prod-block,.prod-block.reverse{grid-template-columns:1fr;direction:ltr}
  .nav-links{display:none}
  .nav-toggle{display:flex}
}
@media(max-width:640px){
  .products-grid,.compare-grid,.timeline,.stats-row,.plans-row,.checkout-grid,.form-grid,.form-btns,.prod-covers{grid-template-columns:1fr}
  .topbar .topbar-links a:first-child{display:none}
  .stat{border-left:none;border-top:1px solid var(--line);padding-top:1.25rem}
  .stat:first-child{border-top:none;padding-top:0}
  .section{padding:3.5rem 0}
  .hero-inner{padding:3rem 0}
  .footer-top,.footer-bottom{flex-direction:column;align-items:flex-start}
}