*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

@font-face {
  font-family: 'Avenir Next LT Pro';
  src: url('../assets/fonts/AvenirNextLTPro-Regular.otf') format('opentype');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}

:root {
  --level-blue: #1e328f;
  --level-red-orange: #FF5349;
  --level-teal: #28929e;
  --level-gold: #faa918;
  --level-pink: #fc8c99;
  --pale-teal: #dbf2f2;
  --pale-gold: #ffedd1;
  --pale-pink: #ffe3e0;
  --agreeable-gray: #e2dcd5;
  --midnight-blue: #17224e;
  --charcoal: #3f4d5e;
  --white: #FFFFFF;
  --offwhite: #f8f6f2;
  --font-primary: 'Plus Jakarta Sans', Arial, Helvetica, sans-serif;
  --font-display: 'Avenir Next LT Pro', 'Plus Jakarta Sans', Arial, Helvetica, sans-serif;
  --legacy-banner-height: 44px;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-primary);
  color: var(--charcoal);
  background: var(--offwhite);
  -webkit-font-smoothing: antialiased;
}

.legacy-quote-banner {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1300;
  min-height: var(--legacy-banner-height);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.45rem;
  padding: 0.42rem 0.9rem;
  background: linear-gradient(90deg, #f7be3c 0%, #faa918 48%, #ffd56d 100%);
  color: var(--midnight-blue);
  box-shadow: 0 0 18px rgba(250,169,24,0.68), 0 8px 20px rgba(23,34,78,0.18);
  font-size: 0.86rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  text-align: center;
}
.legacy-quote-banner a {
  color: var(--midnight-blue);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.legacy-quote-banner + nav {
  top: var(--legacy-banner-height);
}
.legacy-quote-banner + nav + main {
  padding-top: calc(7rem + var(--legacy-banner-height));
}

nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 0.9rem 2.5rem;
  display: flex; align-items: center; justify-content: space-between;
  background: rgba(248,246,242,0.88);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid transparent;
  transition: all 0.35s ease;
}
nav.scrolled {
  border-bottom-color: var(--agreeable-gray);
  box-shadow: 0 2px 24px rgba(0,0,0,0.06);
}

.nav-logo img { height: 38px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 1.8rem; }
.nav-links a {
  text-decoration: none;
  color: var(--charcoal);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  position: relative;
}

/* Strong, consistent keyboard focus visibility */
:where(a, button, input, select, textarea, summary, [tabindex]):focus-visible {
  outline: 3px solid var(--level-gold);
  outline-offset: 2px;
  box-shadow: 0 0 0 2px rgba(23,34,78,0.35);
}
.nav-links a::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: -4px;
  width: 0;
  height: 2px;
  border-radius: 2px;
  background: var(--level-teal);
  transition: width 0.25s ease;
}
.nav-links a:hover { color: var(--level-teal); }
.nav-links a:hover::after { width: 100%; }

.nav-dropdown {
  position: relative;
  display: flex;
  align-items: center;
}
.nav-dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: -0.9rem;
  right: -0.9rem;
  height: 0.9rem;
}
.nav-parent-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.nav-parent-link::before {
  content: '';
  width: 0.4rem;
  height: 0.4rem;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-1px);
  opacity: 0.8;
  transition: transform 0.2s ease;
}
.nav-submenu {
  position: absolute;
  top: calc(100% + 0.35rem);
  left: -0.8rem;
  min-width: 220px;
  padding: 0.55rem;
  border-radius: 14px;
  border: 1px solid var(--agreeable-gray);
  background: rgba(255,255,255,0.98);
  box-shadow: 0 14px 34px rgba(23,34,78,0.12);
  opacity: 0;
  pointer-events: none;
  transform: translateY(8px);
  transition: all 0.25s ease;
}
.nav-submenu a {
  display: block;
  padding: 0.55rem 0.65rem;
  border-radius: 10px;
  font-size: 0.85rem;
}
.nav-submenu a::after { display: none; }
.nav-submenu a:hover {
  background: var(--pale-teal);
  color: var(--midnight-blue);
}
.nav-submenu a.active-link {
  background: var(--pale-gold);
  color: var(--midnight-blue);
}
.nav-dropdown:hover .nav-submenu,
.nav-dropdown:focus-within .nav-submenu {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}
.nav-dropdown.is-open .nav-submenu {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}
.nav-dropdown.is-open > .nav-parent-link::before {
  transform: rotate(225deg) translateY(1px);
}

.nav-cta {
  background: var(--level-blue) !important;
  color: var(--white) !important;
  border-radius: 100px;
  padding: 0.6rem 1.4rem !important;
  box-shadow: 0 2px 12px rgba(30,50,143,0.25);
}
.nav-cta::after { display: none !important; }
.nav-cta.nav-cta-alt {
  background: var(--level-teal) !important;
  box-shadow: 0 2px 12px rgba(40,146,158,0.25);
}
.nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 18px rgba(30,50,143,0.32);
}
.nav-cta.nav-cta-alt:hover {
  box-shadow: 0 4px 18px rgba(40,146,158,0.32);
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}
.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  border-radius: 2px;
  background: var(--midnight-blue);
  margin: 5px 0;
}

main { padding-top: 7rem; }

.hero {
  position: relative;
  overflow: hidden;
  padding: 3.3rem 2rem 2.9rem;
  background: linear-gradient(160deg, #14215f 0%, #1e328f 52%, #28929e 118%);
}
.hero::before {
  content: '';
  position: absolute;
  right: 3%;
  top: -60px;
  width: 280px;
  height: 280px;
  border: 42px solid rgba(255,255,255,0.08);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  left: -80px;
  bottom: -70px;
  width: 260px;
  height: 260px;
  border: 46px solid rgba(255,255,255,0.08);
  border-radius: 50%;
}
.hero-inner > * {
  animation: fadeInUp 0.65s cubic-bezier(0.22, 1, 0.36, 1) both;
}
.hero-inner > *:nth-child(2) { animation-delay: 0.1s; }
.hero-inner > *:nth-child(3) { animation-delay: 0.18s; }
.hero-inner > *:nth-child(4) { animation-delay: 0.25s; }
.hero-inner > *:nth-child(5) { animation-delay: 0.32s; }
.hero-inner {
  max-width: 1120px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.hero .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.74rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.95);
  background: rgba(255,255,255,0.12);
  padding: 0.35rem 0.7rem;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.24);
}
.hero h1 {
  font-family: var(--font-display);
  margin-top: 0.9rem;
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.12;
  letter-spacing: -0.02em;
}
.hero p {
  margin-top: 1rem;
  max-width: 720px;
  font-size: 1.02rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.84);
}
.hero-list {
  list-style: none;
  margin-top: 1rem;
  display: grid;
  gap: 0.45rem;
  max-width: 760px;
}
.hero-list li {
  position: relative;
  padding-left: 1rem;
  font-size: 0.95rem;
  line-height: 1.5;
  color: rgba(255,255,255,0.84);
}
.hero-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 0.45rem;
  height: 0.45rem;
  border-radius: 50%;
  background: #7de3ed;
}
.hero-actions {
  margin-top: 1.4rem;
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
}
.hero-actions .btn {
  transform: translateY(0);
}
.section-kicker {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--level-gold);
  margin-bottom: 0.55rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  font-weight: 700;
  border-radius: 999px;
  padding: 0.85rem 1.4rem;
  font-size: 0.9rem;
  transition: all 0.25s ease;
}
.btn-primary {
  background: var(--level-blue);
  color: var(--white);
  box-shadow: 0 4px 18px rgba(30,50,143,0.24);
}
.btn-primary:hover { background: var(--midnight-blue); transform: translateY(-1px); }

/* Improve contrast for primary CTAs that sit on dark blue gradient hero blocks */
.hero .btn-primary,
.rx-hero .btn-primary,
.fm-hero .btn-primary {
  background: var(--level-gold);
  color: var(--midnight-blue);
  box-shadow: 0 6px 20px rgba(250,169,24,0.34);
}
.hero .btn-primary:hover,
.rx-hero .btn-primary:hover,
.fm-hero .btn-primary:hover {
  background: #ffc554;
  color: var(--midnight-blue);
}
.btn-secondary {
  color: var(--midnight-blue);
  border: 2px solid var(--agreeable-gray);
  background: var(--white);
}
.btn-secondary:hover { border-color: var(--level-blue); }

.content {
  padding: 2.8rem 2rem 5rem;
  background:
    radial-gradient(circle at 12% 5%, rgba(40,146,158,0.08) 0, transparent 22rem),
    radial-gradient(circle at 90% 18%, rgba(250,169,24,0.08) 0, transparent 19rem),
    var(--offwhite);
}
.page-shell {
  max-width: 1120px;
  margin: 0 auto;
  display: grid;
  gap: 1.25rem;
}

.info-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 1.2rem;
}
.broker-pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}
.card {
  position: relative;
  overflow: hidden;
  background: var(--white);
  border-radius: 22px;
  border: 1.5px solid var(--agreeable-gray);
  padding: 1.35rem;
  box-shadow: 0 10px 30px rgba(23,34,78,0.12);
  transition: transform 0.32s ease, box-shadow 0.32s ease, border-color 0.32s ease;
}
.card::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(90deg, var(--level-teal), var(--level-blue));
  opacity: 0.85;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(23,34,78,0.08);
  border-color: rgba(30,50,143,0.26);
}
.card h2 {
  color: var(--midnight-blue);
  font-size: 1.35rem;
  margin-bottom: 0.75rem;
}
.card h3 {
  color: var(--midnight-blue);
  font-size: 1.03rem;
  margin-bottom: 0.5rem;
}
.card p {
  font-size: 0.94rem;
  line-height: 1.65;
}
.broker-pillars-grid .card:nth-child(1) {
  background: linear-gradient(180deg, rgba(219,242,242,0.65), #fff 45%);
}
.broker-pillars-grid .card:nth-child(2) {
  background: linear-gradient(180deg, rgba(255,237,209,0.62), #fff 45%);
}
.broker-pillars-grid .card:nth-child(3) {
  background: linear-gradient(180deg, rgba(255,227,224,0.62), #fff 45%);
}
.broker-pillars-grid .card:nth-child(1)::before { background: linear-gradient(90deg, var(--level-teal), #56bcc7); }
.broker-pillars-grid .card:nth-child(2)::before { background: linear-gradient(90deg, var(--level-gold), #ffc554); }
.broker-pillars-grid .card:nth-child(3)::before { background: linear-gradient(90deg, var(--level-red-orange), var(--level-pink)); }
.full-width-card {
  grid-column: 1 / -1;
}

.steps {
  margin-top: 0.65rem;
  display: grid;
  gap: 0.65rem;
}
.step {
  border: 1px solid rgba(30,50,143,0.14);
  border-left: 4px solid var(--level-teal);
  background: linear-gradient(180deg, rgba(255,255,255,0.95), #fcfcfb);
  border-radius: 12px;
  padding: 0.78rem 0.85rem;
}
.step:nth-child(even) { border-left-color: var(--level-blue); }
.step strong {
  color: var(--midnight-blue);
  display: block;
  font-size: 0.93rem;
}
.step span {
  display: block;
  margin-top: 0.15rem;
  font-size: 0.87rem;
  line-height: 1.5;
}

.bullet-list {
  list-style: none;
  margin-top: 0.3rem;
}
.bullet-list li {
  position: relative;
  padding-left: 1rem;
  margin: 0.45rem 0;
  font-size: 0.9rem;
  line-height: 1.55;
}
.bullet-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.58rem;
  width: 0.42rem;
  height: 0.42rem;
  border-radius: 50%;
  background: var(--level-teal);
}

.quick-links {
  margin-top: 1rem;
  display: grid;
  gap: 0.65rem;
}
.quick-link {
  display: block;
  text-decoration: none;
  color: var(--midnight-blue);
  background: var(--white);
  border-radius: 14px;
  padding: 0.68rem 0.8rem;
  border: 1.5px solid var(--agreeable-gray);
  font-size: 0.88rem;
  font-weight: 700;
}
.quick-link:hover { background: #fff9ee; border-color: rgba(250,169,24,0.45); }

.callout {
  margin-top: 1rem;
  background: linear-gradient(180deg, rgba(255,255,255,0.92), rgba(255,255,255,0.86));
  border: 1.5px solid rgba(30,50,143,0.18);
  border-radius: 14px;
  padding: 0.78rem 0.86rem;
}
.callout p {
  font-size: 0.87rem;
  line-height: 1.55;
}

.compare-table-wrap {
  margin-top: 0.7rem;
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.compare-table {
  width: 100%;
  min-width: 620px;
  border-collapse: collapse;
  border: 1.5px solid var(--agreeable-gray);
  border-radius: 12px;
  overflow: hidden;
}
.compare-table th,
.compare-table td {
  padding: 0.72rem 0.8rem;
  border-bottom: 1px solid var(--agreeable-gray);
  text-align: left;
  font-size: 0.9rem;
  line-height: 1.45;
}
.compare-table thead th {
  background: rgba(30,50,143,0.07);
  color: var(--midnight-blue);
  font-weight: 800;
}
.compare-table tbody tr:last-child td {
  border-bottom: none;
}
.compare-table-hint {
  display: none;
  margin: 0.55rem 0 0;
  font-size: 0.82rem;
  color: var(--charcoal);
  opacity: 0.88;
}

/* Broker page layout blocks */
.broker-problem {
  padding: 5rem 2rem;
  background: var(--midnight-blue);
  position: relative;
  overflow: hidden;
}
.broker-problem::before {
  content: '';
  position: absolute;
  right: -160px;
  top: -150px;
  width: 430px;
  height: 430px;
  border: 58px solid rgba(255,255,255,0.03);
  border-radius: 50%;
}
.broker-problem::after {
  content: '';
  position: absolute;
  left: -140px;
  bottom: -150px;
  width: 360px;
  height: 360px;
  border: 46px solid rgba(255,255,255,0.02);
  border-radius: 50%;
}
.broker-problem .page-shell {
  position: relative;
  z-index: 2;
  text-align: center;
}
.broker-problem .section-kicker { color: var(--level-gold); }
.broker-problem h2 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 2.9rem);
  line-height: 1.12;
  letter-spacing: -0.02em;
}
.broker-problem-sub {
  margin: 1rem auto 2.2rem;
  max-width: 760px;
  color: rgba(255,255,255,0.65);
  font-size: 1.03rem;
  line-height: 1.68;
}
.broker-problem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.1rem;
}
.broker-problem-card {
  text-align: left;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 18px;
  padding: 1.4rem;
  transition: transform 0.3s ease, border-color 0.3s ease, background 0.3s ease;
}
.broker-problem-card:hover {
  transform: translateY(-4px);
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.16);
}
.broker-problem-card .stat {
  font-size: 2.4rem;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 0.6rem;
}
.broker-problem-card:nth-child(1) .stat { color: var(--level-red-orange); }
.broker-problem-card:nth-child(2) .stat { color: var(--level-gold); }
.broker-problem-card:nth-child(3) .stat { color: var(--level-pink); }
.broker-problem-card h4 {
  color: var(--white);
  font-size: 1.06rem;
  margin-bottom: 0.35rem;
}
.broker-problem-card p {
  color: rgba(255,255,255,0.62);
  font-size: 0.92rem;
  line-height: 1.58;
}

.broker-value {
  padding: 4.7rem 2rem;
  background: var(--offwhite);
}
.broker-value-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.4rem;
  align-items: center;
}
.broker-value-panel {
  background: linear-gradient(165deg, #d1ecec 0%, #e7f5f4 100%);
  border-radius: 26px;
  border: 1px solid rgba(40,146,158,0.2);
  padding: 1.75rem;
}
.broker-value-big {
  color: var(--level-teal);
  font-size: clamp(3rem, 5vw, 4.8rem);
  font-weight: 800;
  line-height: 0.95;
}
.broker-value-label {
  color: #257f8f;
  font-size: 1.25rem;
  font-weight: 700;
  margin-top: 0.35rem;
}
.broker-mini-grid {
  margin-top: 1.15rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.broker-mini-card {
  background: rgba(255,255,255,0.93);
  border: 1px solid rgba(40,146,158,0.16);
  border-radius: 14px;
  padding: 0.9rem 0.8rem;
  text-align: center;
}
.broker-mini-card strong {
  display: block;
  color: var(--midnight-blue);
  font-size: 1.05rem;
  line-height: 1.2;
}
.broker-mini-card span {
  display: block;
  margin-top: 0.2rem;
  color: var(--charcoal);
  font-size: 0.82rem;
}
.broker-value-copy h3 {
  color: var(--midnight-blue);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
}
.broker-value-copy p {
  margin-top: 0.8rem;
  color: var(--charcoal);
  font-size: 1.03rem;
  line-height: 1.68;
}
.broker-check-list {
  list-style: none;
  margin-top: 1rem;
}
.broker-check-list li {
  position: relative;
  padding: 0.55rem 0 0.55rem 2rem;
  border-bottom: 1px solid var(--agreeable-gray);
  color: var(--charcoal);
  font-size: 0.97rem;
  line-height: 1.5;
}
.broker-check-list li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: 0.46rem;
  width: 1.35rem;
  height: 1.35rem;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #d5efef;
  color: var(--level-teal);
  font-weight: 800;
  font-size: 0.83rem;
}
.broker-value-copy .hero-actions { margin-top: 1.1rem; }

.broker-features {
  padding: 4.8rem 2rem;
  background: var(--white);
}
.broker-features h2 {
  color: var(--midnight-blue);
  font-size: clamp(2rem, 3.6vw, 2.7rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 1.2rem;
}
.broker-feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.1rem;
}
.broker-feature-card {
  border: 1.5px solid var(--agreeable-gray);
  border-radius: 18px;
  padding: 1.25rem;
  background: #fcfcfb;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.broker-feature-card:hover {
  transform: translateY(-4px);
  border-color: rgba(30,50,143,0.3);
  box-shadow: 0 12px 30px rgba(23,34,78,0.07);
}
.broker-feature-card .icon-box {
  margin-bottom: 1rem;
}
.broker-feature-card h4 {
  color: var(--midnight-blue);
  font-size: 1.07rem;
}
.broker-feature-card p {
  margin-top: 0.55rem;
  color: var(--charcoal);
  font-size: 0.94rem;
  line-height: 1.6;
}

.broker-process {
  padding: 4.8rem 2rem;
  background: var(--white);
}
.broker-process .section-kicker { color: var(--level-teal); }
.broker-process h2 {
  color: var(--midnight-blue);
  font-size: clamp(2rem, 3.8vw, 2.8rem);
  line-height: 1.14;
  letter-spacing: -0.02em;
}
.broker-process-sub {
  margin-top: 0.85rem;
  max-width: 760px;
  color: var(--charcoal);
  font-size: 1.02rem;
  line-height: 1.66;
}
.broker-process-grid {
  margin-top: 1.35rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.broker-process-step {
  border: 1.5px solid var(--agreeable-gray);
  border-radius: 16px;
  padding: 1rem;
  background: #fcfcfb;
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
}
.broker-process-step:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 24px rgba(23,34,78,0.07);
  border-color: rgba(30,50,143,0.25);
}
.broker-step-num {
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 0.9rem;
  margin-bottom: 0.65rem;
  color: var(--midnight-blue);
  background: rgba(30,50,143,0.1);
}
.broker-process-step h4 {
  color: var(--midnight-blue);
  font-size: 1.02rem;
}
.broker-process-step p {
  margin-top: 0.45rem;
  color: var(--charcoal);
  font-size: 0.9rem;
  line-height: 1.55;
}

.broker-cta-band {
  margin-top: 1.1rem;
  border-radius: 20px;
  background: linear-gradient(145deg, var(--level-blue), #233d9f 62%, #2f57b9 100%);
  padding: 1.5rem;
  color: rgba(255,255,255,0.85);
}
.broker-cta-band h3 {
  color: var(--white);
  font-size: 1.45rem;
  line-height: 1.2;
}
.broker-cta-band p {
  margin-top: 0.5rem;
  font-size: 0.96rem;
  line-height: 1.58;
}
.broker-cta-band .hero-actions { margin-top: 1rem; }
.broker-cta-band .btn-primary {
  background: var(--white);
  color: var(--midnight-blue);
}
.broker-cta-band .btn-primary:hover {
  background: #f2f4ff;
}

/* Broker FAQ page */
.faq-hero-stats {
  margin-top: 1.3rem;
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
}
.faq-hero-stat {
  background: rgba(255,255,255,0.93);
  border: 1px solid rgba(30,50,143,0.14);
  border-radius: 14px;
  padding: 0.72rem 0.9rem;
  min-width: 160px;
}
.faq-hero-stat strong {
  display: block;
  color: var(--midnight-blue);
  font-size: 1.15rem;
  line-height: 1.2;
}
.faq-hero-stat span {
  display: block;
  color: var(--charcoal);
  font-size: 0.76rem;
  margin-top: 0.2rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
}

.objection-list {
  display: grid;
  gap: 0.9rem;
}
.objection-item {
  background: var(--white);
  border: 1.5px solid var(--agreeable-gray);
  border-radius: 18px;
  box-shadow: 0 2px 14px rgba(23,34,78,0.04);
  overflow: hidden;
  transition: border-color 0.28s ease, box-shadow 0.28s ease, transform 0.28s ease;
}
.objection-item:hover {
  transform: translateY(-2px);
  border-color: rgba(30,50,143,0.25);
  box-shadow: 0 10px 26px rgba(23,34,78,0.08);
}
.objection-item[open] {
  border-color: rgba(40,146,158,0.45);
  box-shadow: 0 12px 30px rgba(23,34,78,0.1);
}
.objection-summary {
  list-style: none;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 0.9rem;
  cursor: pointer;
  padding: 1rem 1.15rem;
}
.objection-summary::-webkit-details-marker { display: none; }
.objection-num {
  width: 2.1rem;
  height: 2.1rem;
  border-radius: 10px;
  background: rgba(40,146,158,0.12);
  color: var(--level-teal);
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 0.78rem;
  letter-spacing: 0.02em;
}
.objection-question {
  color: var(--midnight-blue);
  font-size: 1.02rem;
  line-height: 1.35;
  font-weight: 700;
}
.objection-toggle {
  width: 1.9rem;
  height: 1.9rem;
  border-radius: 50%;
  background: rgba(30,50,143,0.08);
  color: var(--level-blue);
  font-weight: 700;
  font-size: 1.2rem;
  display: grid;
  place-items: center;
  transition: transform 0.25s ease, background 0.25s ease;
}
.objection-item[open] .objection-toggle {
  transform: rotate(45deg);
  background: rgba(40,146,158,0.18);
  color: #1f7d8a;
}
.objection-answer {
  border-top: 1px solid var(--agreeable-gray);
  padding: 0.9rem 1.15rem 1.1rem;
  display: grid;
  gap: 0.55rem;
}
.answer-label {
  color: var(--level-teal);
  font-size: 0.73rem;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  font-weight: 800;
}
.answer-lead {
  color: var(--midnight-blue);
  font-size: 1.06rem;
  line-height: 1.45;
  font-weight: 700;
}
.answer-copy {
  color: var(--charcoal);
  font-size: 0.93rem;
  line-height: 1.65;
}
.answer-copy p + p { margin-top: 0.5rem; }
.answer-highlight {
  margin-top: 0.15rem;
  border-left: 4px solid var(--level-teal);
  background: rgba(40,146,158,0.08);
  border-radius: 0 12px 12px 0;
  padding: 0.75rem 0.8rem;
  color: var(--midnight-blue);
  font-size: 0.9rem;
  line-height: 1.55;
}
.answer-pills {
  margin-top: 0.25rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
}
.answer-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  border-radius: 999px;
  border: 1px solid rgba(30,50,143,0.13);
  background: #f9fbfd;
  padding: 0.42rem 0.68rem;
  color: var(--midnight-blue);
  font-size: 0.79rem;
  font-weight: 600;
}
.answer-pill::before {
  content: '';
  width: 0.38rem;
  height: 0.38rem;
  border-radius: 50%;
  background: var(--level-teal);
}

/* Employers page layout blocks */
.employer-hero {
  background: linear-gradient(160deg, #14215f 0%, #1e328f 52%, #28929e 118%);
}
.emp-problem {
  padding: 5rem 2rem;
  background: var(--midnight-blue);
  position: relative;
  overflow: hidden;
}
.emp-problem::before {
  content: '';
  position: absolute;
  right: -130px;
  top: -140px;
  width: 420px;
  height: 420px;
  border: 56px solid rgba(255,255,255,0.03);
  border-radius: 50%;
}
.emp-problem::after {
  content: '';
  position: absolute;
  left: -120px;
  bottom: -130px;
  width: 360px;
  height: 360px;
  border: 48px solid rgba(255,255,255,0.02);
  border-radius: 50%;
}
.emp-problem .page-shell {
  position: relative;
  z-index: 2;
  text-align: center;
}
.emp-problem .section-kicker {
  color: var(--level-gold);
}
.emp-problem h2 {
  color: var(--white);
  font-size: clamp(2rem, 4.2vw, 3rem);
  line-height: 1.12;
  letter-spacing: -0.02em;
}
.emp-problem-sub {
  margin: 1rem auto 2.4rem;
  max-width: 760px;
  color: rgba(255,255,255,0.65);
  font-size: 1.03rem;
  line-height: 1.68;
}
.emp-problem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.15rem;
}
.emp-problem-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 18px;
  padding: 1.45rem;
  text-align: left;
  transition: transform 0.32s ease, background 0.32s ease, border-color 0.32s ease;
}
.emp-problem-card:hover {
  transform: translateY(-4px);
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.18);
}
.emp-problem-card .stat {
  font-size: 2.45rem;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 0.7rem;
}
.emp-problem-card:nth-child(1) .stat { color: var(--level-red-orange); }
.emp-problem-card:nth-child(2) .stat { color: var(--level-gold); }
.emp-problem-card:nth-child(3) .stat { color: var(--level-pink); }
.emp-problem-card h4 {
  color: var(--white);
  font-size: 1.08rem;
  margin-bottom: 0.35rem;
}
.emp-problem-card p {
  color: rgba(255,255,255,0.62);
  font-size: 0.92rem;
  line-height: 1.58;
}

.emp-value {
  padding: 4.5rem 2rem;
  background: var(--offwhite);
}
.emp-value-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.4rem;
  align-items: center;
}
.emp-value-panel {
  background: #cae9eb;
  border-radius: 26px;
  padding: 1.8rem;
  border: 1px solid rgba(40,146,158,0.2);
}
.emp-value-top .big-number {
  color: var(--level-teal);
  font-size: clamp(3rem, 6vw, 5rem);
  font-weight: 800;
  line-height: 0.95;
}
.emp-value-top .big-label {
  color: #257f8f;
  font-size: 1.35rem;
  font-weight: 700;
  margin-top: 0.35rem;
}
.emp-mini-grid {
  margin-top: 1.2rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.mini-card {
  background: rgba(255,255,255,0.92);
  border-radius: 14px;
  border: 1px solid rgba(40,146,158,0.15);
  padding: 0.92rem 0.85rem;
  text-align: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.mini-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(23,34,78,0.09);
}
.mini-card strong {
  display: block;
  color: var(--midnight-blue);
  font-size: 1.9rem;
  font-weight: 800;
  line-height: 1.05;
}
.mini-card span {
  display: block;
  margin-top: 0.2rem;
  color: var(--charcoal);
  font-size: 0.92rem;
  font-weight: 600;
}
.emp-value-copy h3 {
  color: var(--midnight-blue);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
}
.emp-value-copy p {
  margin-top: 0.8rem;
  color: var(--charcoal);
  font-size: 1.05rem;
  line-height: 1.68;
}
.check-list {
  list-style: none;
  margin-top: 1rem;
}
.check-list li {
  position: relative;
  padding: 0.55rem 0 0.55rem 2rem;
  border-bottom: 1px solid var(--agreeable-gray);
  color: var(--charcoal);
  font-size: 0.98rem;
  line-height: 1.5;
}
.check-list li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: 0.45rem;
  width: 1.35rem;
  height: 1.35rem;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #d5efef;
  color: var(--level-teal);
  font-weight: 800;
  font-size: 0.83rem;
}
.emp-value-copy .btn {
  margin-top: 1.1rem;
}

.emp-advantage {
  padding: 4.6rem 2rem;
  background: var(--white);
}
.emp-advantage h2 {
  color: var(--midnight-blue);
  font-size: clamp(2rem, 3.6vw, 2.7rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 1.3rem;
}
.emp-adv-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.15rem;
}
.emp-adv-card {
  border: 1.5px solid var(--agreeable-gray);
  border-radius: 18px;
  padding: 1.25rem;
  background: #fcfcfb;
  transition: transform 0.28s ease, box-shadow 0.28s ease, border-color 0.28s ease;
}
.emp-adv-card:hover {
  transform: translateY(-4px);
  border-color: rgba(30,50,143,0.3);
  box-shadow: 0 12px 30px rgba(23,34,78,0.07);
}
.icon-box {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  font-size: 1.35rem;
}
.icon-box.ib-teal { background: var(--pale-teal); }
.icon-box.ib-gold { background: var(--pale-gold); }
.icon-box.ib-pink { background: var(--pale-pink); }
.icon-box.ib-blue { background: rgba(30,50,143,0.09); }
.emp-adv-card h4 {
  margin-top: 1rem;
  color: var(--midnight-blue);
  font-size: 1.08rem;
}
.emp-adv-card p {
  margin-top: 0.55rem;
  color: var(--charcoal);
  font-size: 0.94rem;
  line-height: 1.6;
}

.faq {
  margin-top: 1rem;
  display: grid;
  gap: 0.6rem;
}
.faq details {
  border: 1.5px solid var(--agreeable-gray);
  border-radius: 12px;
  background: var(--white);
  overflow: hidden;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.faq details:hover {
  border-color: rgba(30,50,143,0.28);
  box-shadow: 0 8px 22px rgba(23,34,78,0.06);
}
.faq summary {
  cursor: pointer;
  list-style: none;
  color: var(--midnight-blue);
  font-weight: 700;
  font-size: 0.93rem;
  line-height: 1.45;
  padding: 0.78rem 0.9rem;
  position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+';
  position: absolute;
  right: 0.86rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--level-blue);
  font-size: 1.05rem;
}
.faq details[open] summary::after { content: '\2013'; }
.faq-body {
  border-top: 1px solid var(--agreeable-gray);
  padding: 0.75rem 0.9rem 0.9rem;
  display: grid;
  gap: 0.35rem;
}
.faq-body p {
  font-size: 0.88rem;
  line-height: 1.55;
}

.resources {
  margin-top: 1rem;
  display: grid;
  gap: 0.55rem;
}
.resource-item {
  border: 1.5px solid var(--agreeable-gray);
  background: #fcfcfb;
  border-radius: 12px;
  padding: 0.72rem 0.82rem;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.resource-item:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(23,34,78,0.06);
}
.resource-item a {
  color: var(--level-blue);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 700;
}
.resource-item a:hover { text-decoration: underline; }
.resource-item p {
  margin-top: 0.25rem;
  font-size: 0.82rem;
  line-height: 1.5;
}

.source-box {
  margin-top: 1rem;
  background: rgba(40,146,158,0.08);
  border: 1px solid rgba(40,146,158,0.24);
  border-radius: 14px;
  padding: 0.85rem 0.95rem;
}
.source-box h3 {
  font-size: 0.9rem;
  margin-bottom: 0.45rem;
}
.source-box ul {
  list-style: none;
  display: grid;
  gap: 0.4rem;
}
.source-box a {
  color: var(--level-blue);
  font-size: 0.84rem;
  text-decoration: none;
}
.source-box a:hover { text-decoration: underline; }

footer {
  padding: 2rem;
  background: var(--midnight-blue);
  color: rgba(255,255,255,0.72);
}
.footer-inner {
  max-width: 1120px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem;
  flex-wrap: wrap;
}
.footer-inner a {
  color: rgba(255,255,255,0.88);
  text-decoration: none;
}
.footer-inner a:hover { text-decoration: underline; }

.reveal {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1), transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (max-width: 980px) {
  .info-grid { grid-template-columns: 1fr; }
  .compare-table { min-width: 560px; }
  .compare-table-hint { display: block; }
  .broker-pillars-grid { grid-template-columns: 1fr; }
  .broker-problem-grid { grid-template-columns: 1fr; }
  .broker-value-grid { grid-template-columns: 1fr; }
  .broker-feature-grid { grid-template-columns: 1fr 1fr; }
  .broker-process-grid { grid-template-columns: 1fr 1fr; }
  .emp-problem-grid { grid-template-columns: 1fr; }
  .emp-value-grid { grid-template-columns: 1fr; }
  .emp-adv-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  :root {
    --legacy-banner-height: 64px;
  }
  .legacy-quote-banner {
    font-size: 0.8rem;
    line-height: 1.35;
    gap: 0.28rem;
  }
  nav { padding: 0.7rem 1.2rem; }
  .nav-links { display: none; }
  .nav-dropdown::after { display: none; }
  .nav-links.show {
    display: flex;
    position: absolute;
    top: calc(100% + 0.4rem);
    left: 1rem;
    right: 1rem;
    flex-direction: column;
    align-items: flex-start;
    gap: 0.2rem;
    background: rgba(248,246,242,0.98);
    border: 1px solid var(--agreeable-gray);
    border-radius: 14px;
    padding: 0.6rem;
    box-shadow: 0 16px 34px rgba(23,34,78,0.08);
  }
  .nav-links.show > a,
  .nav-links.show > .nav-dropdown > .nav-parent-link {
    width: 100%;
    padding: 0.5rem;
  }
  .nav-links.show .nav-dropdown > .nav-parent-link::before { transform: rotate(45deg) translateY(-1px); }
  .nav-links.show .nav-dropdown.is-open > .nav-parent-link::before,
  .nav-links.show .nav-dropdown:focus-within > .nav-parent-link::before { transform: rotate(225deg) translateY(1px); }
  .nav-links.show .nav-submenu {
    position: static;
    opacity: 0;
    pointer-events: none;
    transform: none;
    box-shadow: none;
    border: none;
    background: transparent;
    margin-top: 0;
    padding: 0 0 0 0.8rem;
    min-width: 0;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.2s ease, opacity 0.2s ease, padding 0.2s ease;
  }
  .nav-links.show .nav-dropdown.is-open .nav-submenu,
  .nav-links.show .nav-dropdown:focus-within .nav-submenu {
    opacity: 1;
    pointer-events: auto;
    max-height: 520px;
    padding: 0.1rem 0 0.2rem 0.8rem;
  }
  .nav-links.show .nav-submenu a { padding: 0.32rem 0.4rem; font-size: 0.84rem; }
  .nav-links.show .nav-submenu a:hover { background: transparent; }
  .mobile-toggle { display: block; }

  main { padding-top: 6.2rem; }
  .hero { padding: 2.4rem 1.2rem 2.2rem; }
  .content { padding: 2rem 1.2rem 4rem; }
  .broker-problem,
  .broker-value,
  .broker-features,
  .broker-process { padding: 3.2rem 1.2rem; }
  .broker-value-panel { padding: 1.1rem; border-radius: 18px; }
  .broker-value-label { font-size: 1.05rem; }
  .broker-mini-grid { grid-template-columns: 1fr; }
  .broker-feature-grid,
  .broker-process-grid { grid-template-columns: 1fr; }
  .faq-hero-stats { gap: 0.6rem; }
  .faq-hero-stat { min-width: 0; width: 100%; }
  .objection-summary {
    grid-template-columns: auto 1fr;
    row-gap: 0.55rem;
  }
  .objection-toggle {
    grid-column: 1 / -1;
    justify-self: start;
  }
  .broker-cta-band { border-radius: 16px; padding: 1.15rem; }
  .broker-cta-band h3 { font-size: 1.2rem; }
  .emp-problem, .emp-value, .emp-advantage { padding: 3.2rem 1.2rem; }
  .emp-value-panel { padding: 1.1rem; border-radius: 18px; }
  .emp-value-top .big-label { font-size: 1.05rem; }
  .emp-mini-grid { grid-template-columns: 1fr; }
  .mini-card strong { font-size: 1.6rem; }
  .emp-value-copy h3 { font-size: 2rem; }
  .emp-adv-grid { grid-template-columns: 1fr; }
  .compare-table { min-width: 520px; }
}