:root{
  --bg:#fbfaf7;
  --bg-tint:#f2f1ec;
  --card:#ffffff;
  --ink:#16191a;
  --ink-2:#55595b;
  --ink-3:#8a8e8f;
  --line:rgba(22,25,26,.09);
  --green:#1b6f52;
  --green-2:#25876a;
  --green-deep:#0d3226;
  --green-soft:#e3efe8;
  --gold:#c9a15a;
  --radius:28px;
  --radius-sm:18px;
  --ease:cubic-bezier(.22,.8,.24,1);
  --serif:"Instrument Serif",Georgia,serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden;letter-spacing:-.011em}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
em{font-family:var(--serif);font-style:italic;font-weight:400;letter-spacing:-.01em;color:var(--green)}
:focus-visible{outline:2px solid var(--green-2);outline-offset:3px;border-radius:8px}
section[id]{scroll-margin-top:72px}

.wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 22px}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--green);margin-bottom:14px}
h1,h2,h3{font-weight:600;letter-spacing:-.035em;line-height:1.05}
h1{font-size:clamp(44px,7.4vw,92px)}
h1 em,h2 em{font-size:1.08em;line-height:.9}
h2{font-size:clamp(34px,5vw,60px);margin-bottom:18px}
h3{font-size:24px;letter-spacing:-.025em;line-height:1.15}
h4{font-size:17px;font-weight:600;letter-spacing:-.015em}
.lede{font-size:clamp(18px,1.6vw,21px);color:var(--ink-2);max-width:620px;line-height:1.5}
.head{text-align:center;margin:0 auto 56px;max-width:780px}
.head .lede{margin:0 auto}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--green);color:#fff;font-weight:500;font-size:16px;padding:13px 24px;border-radius:999px;transition:background .3s var(--ease),transform .3s var(--ease),box-shadow .3s var(--ease)}
.btn:hover{background:var(--green-2);transform:translateY(-1px);box-shadow:0 8px 24px -10px rgba(27,111,82,.6)}
.btn:active{transform:scale(.98)}
.btn-sm{font-size:13px;padding:7px 14px}
.btn-light{background:#fff;color:var(--green-deep)}
.btn-light:hover{background:#eef5f1}
.btn-full{width:100%}
.link-arrow{display:inline-flex;align-items:center;gap:4px;color:var(--green);font-weight:500;font-size:16px}
.link-arrow::after{content:"›";font-size:1.25em;line-height:1;transform:translateY(-1px);transition:transform .3s var(--ease)}
.link-arrow:hover::after,a:hover>.link-arrow::after{transform:translate(4px,-1px)}
.link-arrow.light{color:#fff}

/* nav */
.nav{position:fixed;inset:0 0 auto;z-index:50;transition:background .4s var(--ease),border-color .4s var(--ease);border-bottom:1px solid transparent}
.nav.scrolled,.nav.open{background:rgba(251,250,247,.78);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-color:var(--line)}
.nav-inner{max-width:1120px;margin:0 auto;padding:0 22px;height:72px;display:flex;align-items:center;gap:28px}
.brand{display:flex;align-items:center;gap:9px;font-weight:600;font-size:16px;letter-spacing:-.02em}
.brand img{border-radius:50%}
.nav-links{display:flex;gap:26px;margin-left:auto}
.nav-links a{font-size:13px;color:var(--ink-2);transition:color .25s}
.nav-links a:hover{color:var(--ink)}
.nav-toggle{display:none;width:36px;height:36px;margin-left:auto;position:relative}
.nav-toggle span{position:absolute;left:9px;right:9px;height:1.5px;background:var(--ink);border-radius:2px;transition:transform .4s var(--ease)}
.nav-toggle span:first-child{top:14px}.nav-toggle span:last-child{top:21px}
.nav.open .nav-toggle span:first-child{transform:translateY(3.5px) rotate(45deg)}
.nav.open .nav-toggle span:last-child{transform:translateY(-3.5px) rotate(-45deg)}
.mobile-menu{display:none}

/* hero */
.hero{padding:132px 0 40px;text-align:center}
.hero-copy .lede{margin:22px auto 0}
.hero-actions{display:flex;gap:26px;align-items:center;justify-content:center;margin-top:34px;flex-wrap:wrap}
.hero-stage{margin:64px auto 0;padding:0 22px;max-width:1240px}
.hero-panel{--p:0;position:relative;height:clamp(420px,58vw,620px);border-radius:calc(var(--radius) + 8px);overflow:hidden;
  background:radial-gradient(120% 90% at 50% 0%,#2a8a69 0%,#16583f 45%,#0b2c21 100%);
  display:grid;place-items:center;transform:scale(calc(.9 + var(--p)*.1));transform-origin:50% 0;will-change:transform}
.glow{position:absolute;border-radius:50%;filter:blur(60px);opacity:.55;pointer-events:none}
.g1{width:420px;height:420px;background:#58c29b;top:-140px;left:-80px}
.g2{width:360px;height:360px;background:var(--gold);bottom:-200px;right:-60px;opacity:.35}
.policy-card{position:relative;width:min(370px,84%);background:rgba(255,255,255,.94);border-radius:24px;padding:24px;text-align:left;
  box-shadow:0 40px 80px -30px rgba(0,0,0,.55),0 0 0 1px rgba(255,255,255,.6) inset;
  transform:translateY(calc((1 - var(--p))*30px)) rotateX(calc((1 - var(--p))*10deg));transform-origin:50% 100%}
.pc-top{display:flex;align-items:center;gap:12px}
.pc-top img{border-radius:50%}
.pc-label{font-size:12px;color:var(--ink-3)}
.pc-name{font-weight:600;font-size:16px;letter-spacing:-.02em}
.pc-status{margin-left:auto;font-size:11px;font-weight:600;color:var(--green);background:var(--green-soft);padding:4px 10px;border-radius:999px}
.pc-sub{margin:22px 0 8px;font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.07em;color:var(--ink-3)}
.pc-list{list-style:none}
.pc-list li{display:flex;justify-content:space-between;align-items:center;padding:11px 0;border-bottom:1px solid var(--line);font-size:15px}
.pc-list li:last-child{border:0}
.pc-list i{width:20px;height:20px;border-radius:50%;background:var(--green);position:relative}
.pc-list i::after{content:"";position:absolute;left:7px;top:4px;width:5px;height:9px;border:solid #fff;border-width:0 1.8px 1.8px 0;transform:rotate(45deg)}
.pc-bar{height:6px;border-radius:6px;background:var(--bg-tint);margin:16px 0 12px;overflow:hidden}
.pc-bar span{display:block;height:100%;width:72%;background:linear-gradient(90deg,var(--green),#4fb38d);border-radius:6px}
.pc-foot{font-size:13px;color:var(--ink-2)}
.float-chip{position:absolute;font-size:13px;font-weight:500;color:#fff;padding:9px 16px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);animation:bob 7s ease-in-out infinite}
.c1{left:7%;top:20%}
.c2{right:8%;bottom:16%;animation-delay:-3.5s;font-family:var(--serif);font-style:italic;font-size:17px}
@keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}

/* statement scrub */
.statement{padding:140px 0 120px}
.scrub{font-size:clamp(30px,4.4vw,54px);font-weight:600;letter-spacing:-.035em;line-height:1.14;max-width:980px;margin:0 auto}
.scrub .w{transition:opacity .25s linear}
.js .scrub.armed .w{opacity:.16}
.js .scrub.armed .w.on{opacity:1}

/* sections */
.section{padding:120px 0}
.section-tint{background:var(--bg-tint)}
.section-dark{background:var(--green-deep);color:#fff}
.section-dark .eyebrow{color:#8fd3b6}
.section-dark em{color:#a7e2c8}
.section-dark .lede{color:rgba(255,255,255,.72)}

/* bento */
.bento{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.tile{position:relative;overflow:hidden;background:var(--card);border-radius:var(--radius);padding:36px;min-height:320px;display:flex;flex-direction:column;gap:12px;
  box-shadow:0 1px 2px rgba(0,0,0,.03);transition:transform .6s var(--ease),box-shadow .6s var(--ease)}
.tile:hover{transform:translateY(-4px) scale(1.005);box-shadow:0 30px 60px -30px rgba(13,50,38,.28)}
.tile p{color:var(--ink-2);font-size:16px}
.tile .link-arrow{margin-top:auto}
.tile-kicker{font-size:13px!important;font-weight:600;color:var(--green)!important;letter-spacing:.02em}
.tile h3{font-size:clamp(26px,2.6vw,34px)}
.tile-xl{grid-row:span 2;min-height:660px}
.tile-green{background:linear-gradient(160deg,#1f7a5a,#0d3226);color:#fff}
.tile-green p,.tile-green .tile-kicker{color:rgba(255,255,255,.78)!important}
.tile-green h3{font-size:clamp(34px,3.6vw,48px)}
.tile-art{position:absolute;right:-50px;bottom:-50px;width:300px;color:#8fd3b6;opacity:.6;transition:transform 1.2s var(--ease)}
.tile-green:hover .tile-art{transform:scale(1.08) rotate(8deg)}
.tile-wide{grid-column:span 2;flex-direction:row;align-items:stretch;gap:30px;min-height:320px}
.tile-wide>div:first-child{display:flex;flex-direction:column;gap:12px;flex:1}
.tile-stone{background:linear-gradient(135deg,#fff 40%,#f0ece2)}
.mini-bars{flex:0 0 42%;display:flex;align-items:flex-end;gap:10px;padding-top:30px}
.mini-bars span{flex:1;height:var(--h);border-radius:10px 10px 4px 4px;background:linear-gradient(180deg,#4fb38d,var(--green));transform-origin:bottom;transition:transform 1s var(--ease)}
.js .reveal:not(.in) .mini-bars span{transform:scaleY(.2)}
.mini-bars span:nth-child(2){transition-delay:.06s}.mini-bars span:nth-child(3){transition-delay:.12s}.mini-bars span:nth-child(4){transition-delay:.18s}.mini-bars span:nth-child(5){transition-delay:.24s}.mini-bars span:nth-child(6){transition-delay:.3s}

/* carousel */
.carousel-wrap{margin-bottom:80px}
.carousel{display:flex;gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px max(22px,calc((100vw - 1120px)/2 + 22px)) 24px;scrollbar-width:none;scroll-padding:0 max(22px,calc((100vw - 1120px)/2 + 22px))}
.carousel::-webkit-scrollbar{display:none}
.cond{flex:0 0 clamp(260px,28vw,320px);min-height:380px;scroll-snap-align:start;background:var(--card);border-radius:var(--radius);padding:32px;display:flex;flex-direction:column;transition:transform .5s var(--ease),box-shadow .5s var(--ease)}
.cond:hover{transform:translateY(-4px);box-shadow:0 24px 50px -28px rgba(13,50,38,.3)}
.cond-n{font-family:var(--serif);font-size:64px;line-height:1;color:var(--green);opacity:.9}
.cond h3{margin-top:auto;font-size:28px;margin-bottom:10px}
.cond p{color:var(--ink-2);font-size:15.5px;min-height:4.65em}
.carousel-ctrl{display:flex;justify-content:flex-end;gap:10px}
.round{width:40px;height:40px;border-radius:50%;background:rgba(22,25,26,.07);font-size:24px;line-height:1;display:grid;place-items:center;padding-bottom:3px;transition:background .25s,opacity .25s}
.round:hover{background:rgba(22,25,26,.13)}
.round:disabled{opacity:.35;cursor:default}

.helps{display:grid;grid-template-columns:repeat(4,1fr);gap:34px}
.help-ic{display:grid;place-items:center;width:44px;height:44px;border-radius:14px;background:var(--green-soft);color:var(--green);font-size:20px;margin-bottom:16px}
.help h4{margin-bottom:6px}
.help p{color:var(--ink-2);font-size:15.5px}

/* IUL split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}
.split-sticky{position:sticky;top:110px}
.chart{margin-top:30px;background:var(--card);border-radius:var(--radius);padding:24px 22px 18px}
.chart svg{width:100%;height:auto;overflow:visible}
.axis{stroke:var(--ink-3);stroke-width:1;stroke-dasharray:3 4}
.cap{stroke:var(--gold);stroke-width:1;stroke-dasharray:3 4}
.ax-t{font-size:11px;fill:var(--ink-3);font-family:var(--sans)}
.ln-index{fill:none;stroke:#c7cacb;stroke-width:2;stroke-linejoin:round}
.ln-iul{fill:none;stroke:var(--green);stroke-width:3.5;stroke-linejoin:round;stroke-linecap:round}
.js .chart .ln-index,.js .chart .ln-iul{stroke-dasharray:1200;stroke-dashoffset:0;transition:stroke-dashoffset 2.2s var(--ease)}
.js .chart.armed:not(.in) .ln-index,.js .chart.armed:not(.in) .ln-iul{stroke-dashoffset:1200}
.js .chart .ln-iul{transition-delay:.35s}
.legend{display:flex;gap:20px;font-size:13px;color:var(--ink-2);margin-top:10px}
.legend i{display:inline-block;width:14px;height:3px;border-radius:2px;margin-right:7px;vertical-align:middle}
.k1{background:#c7cacb}.k2{background:var(--green)}
.split-scroll{padding-top:40px}
.feat{padding:44px 0;border-top:1px solid var(--line)}
.feat:first-child{border-top:0;padding-top:0}
.feat h3{margin-bottom:12px}
.feat p{color:var(--ink-2);font-size:18px}

/* annuities */
.segment{position:relative;display:flex;width:max-content;margin:0 auto 40px;background:rgba(255,255,255,.09);border-radius:999px;padding:4px}
.segment button{position:relative;z-index:1;padding:9px 30px;font-size:15px;font-weight:500;color:rgba(255,255,255,.7);transition:color .35s}
.segment button[aria-selected=true]{color:var(--green-deep)}
.seg-pill{position:absolute;top:4px;bottom:4px;left:4px;border-radius:999px;background:#fff;transition:transform .45s var(--ease),width .45s var(--ease)}
.ann-panel{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.ann-panel[hidden]{display:none}
.ann-panel.is-on .ann-card{animation:rise .6s var(--ease) both}
.ann-panel.is-on .ann-card:nth-child(2){animation-delay:.07s}
.ann-panel.is-on .ann-card:nth-child(3){animation-delay:.14s}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.ann-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-sm);padding:28px;min-height:190px}
.ann-card h4{font-size:20px;margin-bottom:10px}
.ann-card p{color:rgba(255,255,255,.7);font-size:15.5px}
.chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:44px}
.chips span{font-size:13.5px;padding:8px 16px;border-radius:999px;border:1px solid rgba(255,255,255,.18);color:rgba(255,255,255,.85)}

/* retirement */
.plans{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.plan{background:var(--card);border-radius:var(--radius);padding:40px;border:1px solid var(--line)}
.plan-tag{font-size:13px;color:var(--ink-3);margin-bottom:18px}
.plan h3{font-size:clamp(48px,5vw,64px);letter-spacing:-.045em;margin-bottom:12px}
.plan>p{color:var(--ink-2);margin-bottom:22px}
.plan ul{list-style:none;display:grid;gap:12px}
.plan li{font-size:15.5px;color:var(--ink-2);padding-left:22px;position:relative}
.plan li::before{content:"";position:absolute;left:0;top:9px;width:8px;height:8px;border-radius:50%;background:var(--green)}
.plan li b{color:var(--ink);font-weight:600}
.callout{margin-top:20px;border-radius:var(--radius);padding:44px;background:var(--green-soft);display:grid;grid-template-columns:auto 1fr;gap:40px;align-items:center}
.callout-big{font-size:clamp(34px,4vw,52px);font-weight:600;letter-spacing:-.04em;color:var(--green-deep);white-space:nowrap}
.callout-big span{font-family:var(--serif);font-weight:400;color:var(--green)}
.callout p:last-child{color:var(--ink-2);font-size:18px}
.callout strong{color:var(--ink)}

/* about */
.about{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}
.about-photo{border-radius:calc(var(--radius) + 6px);overflow:hidden;background:#fff;aspect-ratio:4/5}
.about-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 100%;transition:transform 1.4s var(--ease)}
.about-photo:hover img{transform:scale(1.03)}
.about-copy>p:not(.eyebrow):not(.sig){color:var(--ink-2);font-size:18px;margin-bottom:16px}
.sig{font-weight:600;margin:28px 0 26px}
.sig span{font-weight:400;font-size:14px;color:var(--ink-3)}
.why{text-align:center;max-width:820px;margin:130px auto 60px}
.why-quote{font-family:var(--serif);font-size:clamp(28px,3.4vw,42px);line-height:1.22;letter-spacing:-.01em}
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.value{background:var(--card);border-radius:var(--radius-sm);padding:28px}
.value h4{font-size:19px;margin-bottom:6px}
.value p{color:var(--ink-2);font-size:15.5px}

/* quotes */
.quotes{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.quote{border-radius:var(--radius);padding:44px;background:var(--card);border:1px solid var(--line)}
.stars{color:var(--gold);letter-spacing:3px;font-size:15px;margin-bottom:18px}
.quote blockquote{font-size:clamp(22px,2.2vw,28px);font-weight:500;letter-spacing:-.025em;line-height:1.3}
.quote figcaption{margin-top:22px;color:var(--ink-3);font-size:15px}

/* contact */
.contact{background:radial-gradient(90% 120% at 0% 0%,#22805f 0%,#0f3f2f 55%,#0a2a20 100%);color:#fff}
.contact .eyebrow{color:#8fd3b6}.contact em{color:#a7e2c8}.contact .lede{color:rgba(255,255,255,.75)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.contact-links{display:flex;flex-direction:column;align-items:flex-start;gap:18px;margin-top:32px}
.form{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:30px;display:grid;gap:14px;backdrop-filter:blur(10px)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form label{display:grid;gap:6px}
.form label span{font-size:13px;color:rgba(255,255,255,.7)}
.form input,.form select,.form textarea{font:inherit;font-size:16px;color:#fff;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:12px;padding:12px 14px;transition:border-color .25s,background .25s;width:100%}
.form select option{color:#111}
.form textarea{resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:#8fd3b6;background:rgba(255,255,255,.12)}
.form .invalid{border-color:#f1a39a}
.form-note{font-size:13.5px;color:#a7e2c8;min-height:1em}

/* footer */
.footer{padding:60px 0 50px;font-size:13px;color:var(--ink-3)}
.foot-top{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;padding-bottom:26px;border-bottom:1px solid var(--line)}
.foot-top .brand{color:var(--ink)}
.foot-motto{font-family:var(--serif);font-style:italic;font-size:18px;color:var(--ink-2)}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 26px;padding:22px 0}
.foot-links a:hover{color:var(--ink)}
.fine{max-width:760px;margin-top:8px;line-height:1.6}

/* reveal — content stays visible without JS; only hidden once JS arms it */
.js .reveal.armed{opacity:0;transform:translateY(28px);transition:opacity 1s var(--ease),transform 1s var(--ease)}
.js .reveal.armed.in{opacity:1;transform:none}
.js .reveal.armed.d1{transition-delay:.08s}.js .reveal.armed.d2{transition-delay:.16s}.js .reveal.armed.d3{transition-delay:.24s}

/* reduced motion: soft fades only */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .js .reveal.armed{transform:none;transition:opacity .7s ease}
  .hero-panel{transform:none!important}
  .policy-card{transform:none!important}
  .float-chip{animation:none}
  .tile,.cond,.btn,.about-photo img,.tile-art{transition:none}
  .tile:hover,.cond:hover{transform:none}
  .js .chart .ln-index,.js .chart .ln-iul{transition:stroke-dashoffset 1.2s ease}
  .ann-panel.is-on .ann-card{animation:fade .5s ease both}
  @keyframes fade{from{opacity:0}to{opacity:1}}
}

/* responsive */
@media (max-width:980px){
  .nav-links,.nav-cta{display:none}
  .nav-toggle{display:block}
  .mobile-menu{display:grid;gap:4px;max-height:0;overflow:hidden;padding:0 22px;transition:max-height .5s var(--ease),padding .5s var(--ease)}
  .mobile-menu a{font-size:24px;font-weight:600;letter-spacing:-.03em;padding:8px 0}
  .mobile-menu .btn{font-size:16px;margin-top:14px;justify-self:start;padding:13px 24px}
  .nav.open .mobile-menu{max-height:560px;padding:10px 22px 28px}
  .bento{grid-template-columns:1fr 1fr}
  .tile-xl{grid-row:auto;grid-column:span 2;min-height:420px}
  .helps{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr;gap:20px}
  .split-sticky{position:static}
  .about,.contact-grid{grid-template-columns:1fr;gap:44px}
  .about-photo{max-width:460px}
}
@media (max-width:680px){
  body{font-size:16px}
  .section{padding:84px 0}
  .hero{padding-top:108px}
  .hero-stage{padding:0 12px}
  .hero-panel{height:480px;border-radius:26px}
  .float-chip{display:none}
  .head{margin-bottom:40px}
  .bento,.plans,.quotes,.values{grid-template-columns:1fr}
  .tile-xl,.tile-wide{grid-column:auto}
  .tile{padding:28px;min-height:260px}
  .tile-wide{flex-direction:column}
  .mini-bars{flex-basis:120px;padding-top:6px}
  .ann-panel{grid-template-columns:1fr}
  .ann-card{min-height:0}
  .helps{grid-template-columns:1fr;gap:28px}
  .callout{grid-template-columns:1fr;gap:12px;padding:32px}
  .plan,.quote{padding:30px}
  .form .row{grid-template-columns:1fr}
  .statement{padding:90px 0 70px}
  .why{margin-top:90px}
}

/* ===== Multi-page additions ===== */
.nav-links a[aria-current=page]{color:var(--ink);font-weight:500}
.mobile-menu a[aria-current=page]{color:var(--green)}
.center{text-align:center}
.narrow{max-width:820px}

/* sticky product sub-nav */
.subnav{position:sticky;top:72px;z-index:40;background:rgba(251,250,247,.8);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid var(--line);margin-top:72px}
.subnav-inner{height:52px;display:flex;align-items:center;justify-content:space-between}
.subnav-title{font-size:19px;font-weight:600;letter-spacing:-.025em}

/* inner page hero */
.page-hero{padding:110px 0 30px;text-align:center}
.subnav + .page-hero{padding-top:80px}
.page-hero .lede{margin:22px auto 0}
.page-hero .hero-stage{margin-top:60px}
.panel-short{height:clamp(320px,40vw,440px)}

/* living benefits flow */
.flow{position:relative;display:flex;align-items:center;gap:0;width:min(860px,88%)}
.flow-step{flex:1;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-radius:22px;padding:24px;color:#fff;text-align:left;transform:translateY(calc((1 - var(--p))*24px))}
.flow-step:nth-of-type(2){transform:translateY(calc((1 - var(--p))*44px))}
.flow-step:nth-of-type(3){transform:translateY(calc((1 - var(--p))*64px))}
.flow-step span{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:rgba(255,255,255,.18);font-size:14px;font-weight:600;margin-bottom:18px}
.flow-step p{font-size:16px;font-weight:500;line-height:1.35}
.flow-step.on{background:#fff;color:var(--ink)}
.flow-step.on span{background:var(--green);color:#fff}
.flow-line{width:28px;height:1px;background:rgba(255,255,255,.4);flex:0 0 28px}

.cond-lg{flex-basis:clamp(280px,32vw,370px);min-height:420px}
.rows{display:grid;gap:0;max-width:900px;margin:0 auto}
.row-item{display:grid;grid-template-columns:56px 1fr;gap:24px;padding:36px 0;border-top:1px solid var(--line)}
.row-item:first-child{border-top:0}
.row-item h3{margin-bottom:10px}
.row-item p{color:var(--ink-2);font-size:18px}
.statement-tint{background:var(--bg-tint)}
.statement .eyebrow{margin-bottom:26px}

/* IUL */
.chart-feature{display:grid;grid-template-columns:1fr 1.05fr;gap:60px;align-items:center}
.chart-feature .chart{margin-top:0}
.chart-note{font-size:12px;color:var(--ink-3);margin-top:8px}
.feat-n{display:block;font-family:var(--serif);font-size:44px;line-height:1;color:var(--green);margin-bottom:14px}
.dark-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.dark-grid.three{grid-template-columns:repeat(3,1fr)}

/* annuities */
.phases{display:flex;align-items:center;gap:22px;width:min(780px,88%)}
.phase{flex:1;background:rgba(255,255,255,.94);border-radius:24px;padding:26px;text-align:left;box-shadow:0 40px 80px -30px rgba(0,0,0,.5);transform:translateY(calc((1 - var(--p))*30px))}
.phase-k{font-size:13px;font-weight:600;color:var(--green);text-transform:uppercase;letter-spacing:.07em}
.phase-t{font-size:15px;color:var(--ink-2);margin:6px 0 20px}
.phase-bars{display:flex;align-items:flex-end;gap:8px;height:100px}
.phase-bars span{flex:1;height:var(--h);border-radius:8px 8px 3px 3px;background:linear-gradient(180deg,#4fb38d,var(--green))}
.phase-bars.even span{height:55%;background:linear-gradient(180deg,#e2c48a,var(--gold))}
.phase-arrow{color:#fff;font-size:28px;opacity:.8}
.types{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.type{background:var(--card);border-radius:var(--radius);padding:36px;display:flex;flex-direction:column;gap:12px;transition:transform .6s var(--ease),box-shadow .6s var(--ease)}
.type:hover{transform:translateY(-3px);box-shadow:0 30px 60px -32px rgba(13,50,38,.3)}
.type-tag{font-size:13px;font-weight:600;color:var(--green)}
.type h3{font-size:26px}
.type>p:not(.type-tag){color:var(--ink-2)}
.mini-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:auto;padding-top:10px}
.mini-chips span{font-size:12.5px;padding:6px 12px;border-radius:999px;background:var(--bg-tint);color:var(--ink-2)}
.shared{margin-top:56px;padding-top:40px;border-top:1px solid rgba(255,255,255,.12);text-align:center}
.shared-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;max-width:760px;margin:0 auto}
.shared-grid h4{font-size:20px;margin-bottom:6px}
.shared-grid p{color:rgba(255,255,255,.7)}

/* retirement */
.growth{width:min(640px,86%);text-align:center;color:#fff}
.growth-k,.growth-t{font-size:clamp(20px,2.4vw,28px);font-weight:600;letter-spacing:-.03em}
.growth-t{font-family:var(--serif);font-weight:400;font-style:italic;color:#a7e2c8}
.growth-bars{display:flex;align-items:flex-end;gap:8px;height:clamp(140px,18vw,200px);margin:24px 0}
.growth-bars span{flex:1;height:calc(var(--h)*(.35 + var(--p)*.65));border-radius:8px 8px 3px 3px;background:linear-gradient(180deg,#8fd3b6,#4fb38d)}
.growth-bars span:last-child{background:linear-gradient(180deg,#f0d9a6,var(--gold))}
.plan-head{display:grid;grid-template-columns:auto 1fr;gap:50px;align-items:end;margin-bottom:48px}
.plan-big{font-size:clamp(72px,11vw,150px);letter-spacing:-.06em;line-height:.85;margin:0;color:var(--green-deep)}
.plan-head .lede{padding-bottom:10px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:20px}
.step{display:flex;gap:16px;align-items:flex-start;background:var(--card);border-radius:var(--radius-sm);padding:24px}
.step span{flex:0 0 32px;height:32px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-weight:600;font-size:14px}
.step p{color:var(--ink-2);font-size:15.5px}
.plan-sm{font-size:clamp(26px,2.6vw,32px)!important;letter-spacing:-.03em;margin-bottom:16px}
.plans.three{grid-template-columns:repeat(3,1fr)}
.plans.three .plan p{color:var(--ink-2)}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;margin-top:44px}
.facts h4{margin-bottom:4px}
.facts p{color:var(--ink-2);font-size:15px}
.combo{font-size:clamp(56px,9vw,120px);letter-spacing:-.05em}

/* about */
.about-hero{text-align:left;padding-top:110px}
.about-hero h1{font-size:clamp(48px,6.5vw,84px);margin-bottom:22px}
.about-hero .about-copy>p:not(.eyebrow):not(.sig){font-size:clamp(18px,1.6vw,21px)}
.story{max-width:960px}
.story-big{font-size:clamp(30px,4vw,48px);font-weight:600;letter-spacing:-.035em;line-height:1.15;margin-bottom:44px}
.story-cols{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.story-cols p{color:var(--ink-2);font-size:18px}
.mission{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.mission-item h3{margin:14px 0 8px}
.mission-item p{color:var(--ink-2)}

/* solutions */
.sol-list{display:grid;gap:20px}
.sol{display:grid;grid-template-columns:1fr 1fr;background:var(--card);border-radius:var(--radius);overflow:hidden;min-height:340px;transition:transform .6s var(--ease),box-shadow .6s var(--ease)}
.sol:nth-child(even) .sol-art{order:2}
.sol:hover{transform:translateY(-4px);box-shadow:0 30px 60px -30px rgba(13,50,38,.28)}
.sol-art{display:grid;place-items:center;padding:40px}
.sol-art svg{width:min(240px,70%);transition:transform 1.2s var(--ease)}
.sol:hover .sol-art svg{transform:scale(1.06)}
.sol-art .mini-bars{width:min(260px,80%);height:160px;padding:0;flex:none}
.sol-green{background:linear-gradient(160deg,#1f7a5a,#0d3226);color:#8fd3b6}
.sol-light{background:var(--green-soft);color:var(--green)}
.sol-dark{background:var(--green-deep)}
.sol-dark .mini-bars span{background:linear-gradient(180deg,#e2c48a,var(--gold))}
.sol-stone{background:linear-gradient(135deg,#f6f3ec,#ece6d8)}
.sol-copy{padding:48px;display:flex;flex-direction:column;justify-content:center;gap:12px}
.sol-copy h2{font-size:clamp(30px,3.2vw,42px);margin:0}
.sol-copy>p:not(.tile-kicker){color:var(--ink-2)}

/* resources */
.faq{display:grid;gap:12px}
.faq details{background:var(--card);border-radius:var(--radius-sm);padding:0 28px;transition:box-shadow .4s var(--ease)}
.faq details[open]{box-shadow:0 20px 40px -28px rgba(13,50,38,.3)}
.faq summary{list-style:none;cursor:pointer;padding:24px 0;font-size:19px;font-weight:600;letter-spacing:-.02em;display:flex;justify-content:space-between;gap:20px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-weight:300;font-size:28px;color:var(--green);transition:transform .4s var(--ease);flex:none}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq-a{padding:0 0 26px;color:var(--ink-2);font-size:17px}
@keyframes fade{from{opacity:0}to{opacity:1}}
.glossary{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.glossary>div{border-top:1px solid var(--line);padding-top:20px}
.glossary dt{font-weight:600;font-size:18px;letter-spacing:-.02em;margin-bottom:6px}
.glossary dd{color:var(--ink-2);font-size:15.5px}

/* contact page + CTA band */
.contact-page{padding-top:150px;min-height:100vh}
.contact-page h1{font-size:clamp(48px,6.5vw,80px);margin-bottom:20px}
.contact-cards{display:grid;gap:10px;margin-top:34px;max-width:440px}
.ccard{display:flex;flex-direction:column;padding:16px 20px;border-radius:16px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);transition:background .3s}
.ccard:hover{background:rgba(255,255,255,.13)}
.ccard span{font-size:12.5px;color:rgba(255,255,255,.6)}
.ccard b{font-weight:500;font-size:15.5px;overflow-wrap:anywhere}
.form-title{font-size:22px;font-weight:600;letter-spacing:-.025em;margin-bottom:4px}
.cta-band{padding:120px 0;background:radial-gradient(90% 140% at 50% 0%,#22805f 0%,#0f3f2f 60%,#0a2a20 100%);color:#fff;text-align:center}
.cta-band em{color:#a7e2c8}
.cta-band .lede{color:rgba(255,255,255,.75);margin:0 auto}
.cta-band .hero-actions{margin-top:30px}
.no-cta .cta-band{display:none}
.no-cta .nav{background:rgba(251,250,247,.82);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-color:var(--line)}

/* footer columns */
.foot-cols{display:grid;grid-template-columns:repeat(3,minmax(0,200px));gap:30px;padding:30px 0 26px}
.foot-cols h5{font-size:12px;font-weight:600;color:var(--ink);margin-bottom:10px}
.foot-cols a{display:block;padding:4px 0}
.foot-cols a:hover{color:var(--ink)}

@media (prefers-reduced-motion:reduce){
  .flow-step,.phase{transform:none!important}
  .growth-bars span{height:var(--h)}
  .type,.sol,.sol-art svg{transition:none}
  .type:hover,.sol:hover{transform:none}
}
@media (max-width:1060px){
  .nav-links,.nav-cta{display:none}
  .nav-toggle{display:block}
  .mobile-menu{display:grid;gap:4px;max-height:0;overflow:hidden;padding:0 22px;transition:max-height .5s var(--ease),padding .5s var(--ease)}
  .mobile-menu a{font-size:24px;font-weight:600;letter-spacing:-.03em;padding:6px 0}
  .mobile-menu .btn{font-size:16px;margin-top:14px;justify-self:start;padding:13px 24px}
  .nav.open .mobile-menu{max-height:640px;padding:10px 22px 28px}
}
@media (max-width:980px){
  .chart-feature,.story-cols{grid-template-columns:1fr;gap:30px}
  .dark-grid,.facts{grid-template-columns:1fr 1fr}
  .plan-head{grid-template-columns:1fr;gap:16px}
  .glossary{grid-template-columns:1fr 1fr}
  .about-hero .about{gap:40px}
}
@media (max-width:680px){
  .subnav-title{font-size:16px}
  .page-hero{padding-top:100px}
  .subnav + .page-hero{padding-top:56px}
  .panel-short{height:auto;min-height:300px;padding:30px 0}
  .flow{flex-direction:column;gap:10px;width:86%}
  .flow-line{width:1px;height:14px;flex-basis:14px}
  .flow-step{width:100%;padding:18px;display:flex;gap:14px;align-items:center}
  .flow-step span{margin:0;flex:none}
  .phases{flex-direction:column;gap:10px}
  .phase{width:100%}
  .phase-arrow{transform:rotate(90deg)}
  .types,.dark-grid,.dark-grid.three,.steps,.plans.three,.mission,.glossary,.shared-grid{grid-template-columns:1fr}
  .facts{grid-template-columns:1fr 1fr;gap:22px}
  .row-item{grid-template-columns:1fr;gap:14px;padding:28px 0}
  .sol,.sol:nth-child(even){grid-template-columns:1fr}
  .sol:nth-child(even) .sol-art{order:0}
  .sol-art{min-height:200px}
  .sol-copy{padding:30px}
  .type{padding:28px}
  .cta-band{padding:90px 0}
  .contact-page{padding-top:110px}
  .foot-cols{grid-template-columns:1fr 1fr}
  .faq details{padding:0 20px}
  .faq summary{font-size:17px}
}

/* ===== Page-to-page transitions (cross-document View Transitions) ===== */
@view-transition{navigation:auto}
.nav{view-transition-name:site-nav}
::view-transition-group(site-nav){animation-duration:.45s}
::view-transition-old(root){animation:vt-out .32s cubic-bezier(.4,0,1,1) both}
::view-transition-new(root){animation:vt-in .6s cubic-bezier(.22,.8,.24,1) .1s both}
@keyframes vt-out{to{opacity:0;transform:scale(.985) translateY(-14px)}}
@keyframes vt-in{from{opacity:0;transform:translateY(28px) scale(.995)}}
/* fallback for browsers without View Transitions: soft fade out before leaving */
html.leaving body{opacity:0;transform:translateY(-10px);transition:opacity .22s ease,transform .22s ease}
@media (prefers-reduced-motion:reduce){
  ::view-transition-old(root){animation:vt-fade-out .28s ease both}
  ::view-transition-new(root){animation:vt-fade-in .45s ease .05s both}
  html.leaving body{transform:none}
}
@keyframes vt-fade-out{to{opacity:0}}
@keyframes vt-fade-in{from{opacity:0}}

/* ===================================================================
   v3 — original twist: editorial split headers, "living stone" frames,
   looping video reel, condition ticker
   =================================================================== */
main{counter-reset:sec}
.glass{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.24);backdrop-filter:blur(18px) saturate(160%);-webkit-backdrop-filter:blur(18px) saturate(160%);color:#fff}

/* eyebrow with a hairline rule */
.eyebrow.rule,.head .eyebrow,.page-hero:not(.about-hero) .eyebrow{display:flex;align-items:center;gap:14px}
.eyebrow.rule::after,.head .eyebrow::after,.page-hero:not(.about-hero) .eyebrow::after{content:"";flex:1;height:1px;background:currentColor;opacity:.22}

/* editorial split section heads (numbered) */
.head{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);column-gap:64px;align-items:end;text-align:left;max-width:none;margin:0 0 64px}
.head .eyebrow{grid-column:1/-1;margin-bottom:26px}
.head .eyebrow::before{counter-increment:sec;content:counter(sec,decimal-leading-zero);font-size:11.5px;font-weight:600;letter-spacing:.04em;font-variant-numeric:tabular-nums;padding:3px 9px;border:1px solid currentColor;border-radius:999px;line-height:1.2}
.head h2{margin:0}
.head .lede{margin:0!important;padding-bottom:8px}

/* inner page heroes: same split, left-aligned */
.page-hero:not(.about-hero){text-align:left}
.page-hero:not(.about-hero)>.wrap{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);column-gap:64px;align-items:end}
.page-hero:not(.about-hero) .eyebrow{grid-column:1/-1;margin-bottom:24px}
.page-hero:not(.about-hero) h1{font-size:clamp(42px,5.8vw,80px);grid-column:1}
.page-hero:not(.about-hero) .lede{margin:0!important;grid-column:2;padding-bottom:12px}

/* "living stone" organic frame — slowly breathing corners */
@keyframes pebble{
  0%,100%{border-radius:72px 40px 80px 46px / 56px 76px 46px 66px}
  50%{border-radius:46px 78px 52px 72px / 74px 48px 70px 44px}
}
@media (min-width:769px){
  .hero-panel,.reel{animation:pebble 16s ease-in-out infinite}
  .about-photo{border-radius:44% 56% 40% 60% / 34% 38% 62% 66%}
}

/* home hero */
.hero2{padding:118px 0 0}
.hero2-top{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);column-gap:64px;align-items:end}
.hero2-top .eyebrow{grid-column:1/-1;margin-bottom:24px}
.hero2 h1{font-size:clamp(46px,6.6vw,96px);line-height:1}
.hero2-side .lede{margin:0 0 26px}
.hero2-side .hero-actions{justify-content:flex-start;margin:0;padding-bottom:10px}

.reel-stage{--p:1;position:relative;max-width:1320px;margin:84px auto 0;padding:0 22px}
.reel{position:relative;height:clamp(440px,60vw,720px);border-radius:56px;overflow:hidden;background:#0d3226;isolation:isolate;
  transform:scale(calc(.94 + var(--p)*.06));transform-origin:50% 0;will-change:transform}
.reel-v{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transition:opacity 1.4s cubic-bezier(.45,0,.2,1);transform:scale(1.04);}
.reel-v.is-on{opacity:1}
@media (prefers-reduced-motion:no-preference){
  .reel-v{transition:opacity 1.4s cubic-bezier(.45,0,.2,1),transform 9s linear}
  .reel-v.is-on{transform:scale(1)}
}
.reel-shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(6,24,18,.05) 40%,rgba(6,24,18,.55) 100%),linear-gradient(90deg,rgba(6,24,18,.35),transparent 55%);pointer-events:none}
.reel-caption{position:absolute;left:28px;bottom:28px;width:min(420px,calc(100% - 56px));border-radius:22px;padding:20px 22px 16px}
.reel-text{display:grid;gap:4px;min-height:58px;transition:opacity .35s ease,transform .35s ease}
.reel-text.swap{opacity:0;transform:translateY(6px)}
.reel-k{font-size:12px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:#a7e2c8}
.reel-t{font-family:var(--serif);font-size:26px;line-height:1.15}
.reel-segs{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:16px}
.reel-seg{display:grid;gap:8px;text-align:left;padding:4px 0;color:rgba(255,255,255,.6);font-size:12.5px;font-weight:500;transition:color .3s}
.reel-seg i{display:block;height:3px;border-radius:3px;background:rgba(255,255,255,.28);overflow:hidden;position:relative}
.reel-seg i::after{content:"";position:absolute;inset:0;background:#fff;transform-origin:left;transform:scaleX(var(--fill,0))}
.reel-seg.is-on,.reel-seg:hover{color:#fff}
.reel-toggle{position:absolute;right:24px;bottom:28px;width:44px;height:44px;border-radius:50%;display:grid;place-items:center}
.reel-toggle svg{width:18px;height:18px;fill:#fff}
.reel-toggle .i-play,.reel.paused .reel-toggle .i-pause{display:none}
.reel.paused .reel-toggle .i-play{display:block}

.mini-policy{position:absolute;right:76px;top:-34px;width:280px;background:rgba(255,255,255,.96);border-radius:22px;padding:18px 20px 8px;
  box-shadow:0 40px 70px -30px rgba(6,24,18,.5),0 0 0 1px var(--line);transform:translateY(calc((1 - var(--p,1))*-30px));z-index:2}
.mini-policy .pc-list li{padding:9px 0;font-size:14px}
.mini-policy .pc-top{margin-bottom:6px}

/* condition ticker */
.ticker{overflow:hidden;padding:30px 0;margin-top:70px;border-block:1px solid var(--line)}
.ticker-track{display:flex;align-items:center;gap:34px;width:max-content;animation:tick 48s linear infinite}
.ticker span{font-family:var(--serif);font-style:italic;font-size:clamp(28px,3.4vw,44px);color:var(--ink);white-space:nowrap;line-height:1}
.ticker b{color:var(--green);font-size:18px;font-weight:400}
@keyframes tick{to{transform:translateX(-50%)}}
.ticker:hover .ticker-track{animation-play-state:paused}

@media (prefers-reduced-motion:reduce){
  .hero-panel,.reel{animation:none}
  .reel{transform:none!important}
  .mini-policy{transform:none}
  .ticker-track{animation:none;flex-wrap:wrap;width:auto;justify-content:center;padding:0 22px;row-gap:14px}
  .ticker-track span:nth-of-type(n+8),.ticker-track b:nth-of-type(n+7){display:none}
}
@media (max-width:1100px){ .mini-policy{display:none} }
@media (max-width:980px){
  .head,.hero2-top,.page-hero:not(.about-hero)>.wrap{grid-template-columns:1fr}
  .head .lede,.page-hero:not(.about-hero) .lede{grid-column:1;margin-top:18px!important}
  .hero2-side{margin-top:22px}
}
@media (max-width:680px){
  .hero2{padding-top:100px}
  .reel-stage{padding:0 12px;margin-top:40px}
  .reel{height:min(78vh,560px);border-radius:30px}
  .reel-caption{left:14px;right:14px;bottom:14px;width:auto;padding:16px 16px 12px}
  .reel-t{font-size:21px}
  .reel-toggle{top:14px;right:14px;bottom:auto;width:40px;height:40px}
  .ticker{margin-top:44px;padding:22px 0}
  .head{margin-bottom:40px}
}

/* ===== Logo intro: ring draws, hand rises, the stone settles into the palm ===== */
@property --ring{syntax:'<angle>';inherits:false;initial-value:0deg}
.logo-intro{display:none}
.intro .logo-intro{position:fixed;inset:0;z-index:100;display:grid;place-items:center;align-content:center;gap:26px;background:var(--bg);
  /* failsafe: the overlay always leaves on its own, even if scripts never run */
  animation:li-away .6s ease 4.2s forwards}
.intro .logo-intro.out{animation:li-away .7s cubic-bezier(.4,0,.2,1) forwards}
.li-mark{position:relative;width:min(300px,64vw);aspect-ratio:1;transform-origin:0 0;transition:transform .85s cubic-bezier(.7,0,.2,1)}
.li-l,.li-disc{position:absolute;inset:0;width:100%;height:100%}
.li-disc{border-radius:50%;background:#fff;inset:2%;width:96%;height:96%}
.li-hand,.li-stone{clip-path:circle(48.6% at 50% 50%)}
.li-tag{font-family:var(--serif);font-style:italic;font-size:20px;color:var(--ink-2)}
.intro .li-ring{-webkit-mask:conic-gradient(#000 var(--ring),transparent 0);mask:conic-gradient(#000 var(--ring),transparent 0);animation:li-ring 1s cubic-bezier(.65,0,.35,1) .1s both}
.intro .li-disc{animation:li-pop .7s cubic-bezier(.2,.9,.3,1.2) .3s both}
.intro .li-plate{animation:li-fade .5s ease .55s both}
.intro .li-hand{animation:li-rise .9s cubic-bezier(.2,.9,.25,1) .65s both}
.intro .li-stone{animation:li-drop .85s cubic-bezier(.3,0,.3,1) 1.2s both}
.intro .li-text{animation:li-up .6s cubic-bezier(.2,.9,.25,1) 1.75s both}
.intro .li-tag{animation:li-up .6s cubic-bezier(.2,.9,.25,1) 1.95s both}
.logo-intro.out .li-tag{opacity:0;transition:opacity .25s}
@keyframes li-ring{from{--ring:0deg}to{--ring:360deg}}
@keyframes li-pop{from{transform:scale(.4);opacity:0}}
@keyframes li-fade{from{opacity:0}}
@keyframes li-rise{from{transform:translateY(55%);opacity:0}40%{opacity:1}}
@keyframes li-drop{
  0%{transform:translateY(-62%) rotate(-7deg);opacity:0}
  25%{opacity:1}
  70%{transform:translateY(3%) rotate(1deg) scaleY(.97)}
  85%{transform:translateY(-1.2%) rotate(0)}
  100%{transform:none}}
@keyframes li-up{from{transform:translateY(14px);opacity:0}}
@keyframes li-away{to{opacity:0;visibility:hidden}}
@media (prefers-reduced-motion:reduce){
  /* same story, told with soft fades only */
  .intro .li-ring{-webkit-mask:none;mask:none;animation:li-fade .6s ease .05s both}
  .intro .li-disc{animation:li-fade .5s ease .2s both}
  .intro .li-hand{animation:li-fade .6s ease .55s both}
  .intro .li-stone{animation:li-fade .6s ease .95s both}
  .intro .li-text,.intro .li-tag{animation:li-fade .6s ease 1.35s both}
  .li-mark{transition:none}
}
/* small life in the menu logo */
.brand img{transition:transform .6s cubic-bezier(.3,1.6,.4,1)}
.brand:hover img{transform:rotate(-10deg) scale(1.08)}
@media (prefers-reduced-motion:reduce){.brand:hover img{transform:none}}

/* ===== Living Benefits: qualifying events ===== */
.qe{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.qe-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:34px;display:flex;flex-direction:column;gap:12px}
.qe-wide{grid-column:1/-1}
.qe-n{font-size:11.5px;font-weight:600;letter-spacing:.04em;color:var(--green);border:1px solid currentColor;border-radius:999px;padding:3px 9px;align-self:flex-start}
.qe-card h3{font-size:clamp(24px,2.4vw,30px)}
.qe-card>p:not(.qe-sub){color:var(--ink-2)}
.qe-sub{font-size:12.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-3);margin-top:8px}
.qe-list{list-style:none;display:grid;gap:9px 22px}
.qe-list.two{grid-template-columns:1fr 1fr}
.qe-list.three{grid-template-columns:repeat(4,1fr)}
.qe-list li{position:relative;padding-left:24px;font-size:15.5px}
.qe-list li::before{content:"";position:absolute;left:0;top:4px;width:15px;height:15px;border-radius:50%;background:var(--green-soft)}
.qe-list li::after{content:"";position:absolute;left:5.5px;top:7px;width:4px;height:7px;border:solid var(--green);border-width:0 1.6px 1.6px 0;transform:rotate(45deg)}
.uses{margin-top:20px;border-radius:var(--radius);padding:36px;background:var(--green-deep);color:#fff;display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,2fr);gap:36px;align-items:center}
.uses-k{font-family:var(--serif);font-style:italic;font-size:clamp(24px,2.4vw,30px);line-height:1.2;color:#a7e2c8}
.uses-list{list-style:none;display:flex;flex-wrap:wrap;gap:10px}
.uses-list li{font-size:15px;padding:9px 16px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16)}
@media (max-width:980px){
  .qe{grid-template-columns:1fr 1fr}
  .qe-wide{grid-column:1/-1}
  .uses{grid-template-columns:1fr;gap:18px}
}
@media (max-width:680px){
  .qe{grid-template-columns:1fr}
  .qe-card{padding:26px}
  .qe-list.three{grid-template-columns:1fr 1fr}
  .uses{padding:28px}
}

/* free-consultation tile */
.tile-cal{flex:0 0 38%;align-self:center;display:grid;place-items:center;aspect-ratio:1;max-width:190px;margin-left:auto;border-radius:44% 56% 52% 48% / 50% 44% 56% 50%;background:var(--green);color:#fff;box-shadow:0 30px 50px -28px rgba(13,50,38,.6)}
.tile-cal span{font-size:64px;font-weight:600;letter-spacing:-.05em;line-height:1}
.tile-cal small{font-size:13px;opacity:.8;margin-top:-30px}
@media (max-width:680px){.tile-cal{display:none}}

/* ===== Stats band ===== */
.stats-band{padding:30px 0 10px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);border-block:1px solid var(--line)}
.stat{padding:34px 26px 30px;border-left:1px solid var(--line)}
.stat:first-child{border-left:0;padding-left:0}
.stat-n{font-size:clamp(38px,4.4vw,58px);font-weight:600;letter-spacing:-.045em;line-height:1;color:var(--green-deep);margin-bottom:12px;font-variant-numeric:tabular-nums}
.stat p:last-child{color:var(--ink-2);font-size:15px}
.stat sup,.fineprint sup{font-size:.65em;color:var(--ink-3)}

/* ===== How it works facts ===== */
.facts3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.fact{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:32px}
.fact h3{margin-bottom:10px}
.fact p{color:var(--ink-2)}
.qe-span2{grid-column:span 2}
.qe-note{font-size:13.5px;color:var(--ink-3)}
.qe-foot{margin-top:22px;font-size:14px;color:var(--ink-3);max-width:900px}

/* ===== vs LTC ===== */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.compare-col{border-radius:var(--radius);padding:34px;border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.04)}
.compare-col.on{background:#fff;color:var(--ink);border-color:#fff}
.compare-k{font-size:12.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px;color:var(--green)}
.section-dark .compare-col:not(.on) .compare-k{color:#a7e2c8}
.compare ul{list-style:none;display:grid;gap:14px}
.compare li{position:relative;padding-left:26px;font-size:16px}
.compare li::before{content:"";position:absolute;left:0;top:8px;width:10px;height:10px;border-radius:50%;background:var(--green)}
.compare-col:not(.on) li{color:rgba(255,255,255,.75)}
.compare-col:not(.on) li::before{background:transparent;border:1.5px solid rgba(255,255,255,.5)}

/* ===== Claims ===== */
.claim{display:grid;grid-template-columns:1.4fr 1fr;gap:20px;align-items:start}
.claim-steps{list-style:none;display:grid;gap:0}
.claim-steps li{display:grid;grid-template-columns:44px 1fr;gap:20px;padding:26px 0;border-top:1px solid var(--line)}
.claim-steps li:first-child{border-top:0;padding-top:0}
.claim-steps li>span{width:44px;height:44px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-weight:600}
.claim-steps h3{margin-bottom:6px}
.claim-steps p{color:var(--ink-2)}
.claim-need{background:var(--bg-tint);border-radius:var(--radius);padding:32px}

/* ===== Fine print ===== */
.fineprint{padding:40px 0 70px}
.fineprint p{font-size:13px;color:var(--ink-3);line-height:1.65;max-width:980px}
.fineprint .compare-k{color:var(--ink-2);margin-bottom:10px}
.fineprint .sources{margin-top:14px}

/* ===== Real stories ===== */
.stories{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.story{display:grid;gap:6px;text-align:left;cursor:pointer}
.story-media{position:relative;display:block;border-radius:24px;overflow:hidden;aspect-ratio:16/10;background:var(--green-deep);margin-bottom:12px}
.story-media img{width:100%;height:100%;object-fit:cover;transition:transform 1s var(--ease)}
.story:hover .story-media img{transform:scale(1.04)}
.story-media::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 50%,rgba(6,24,18,.45))}
.story-play{position:absolute;left:18px;bottom:16px;z-index:1;width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.92);box-shadow:0 10px 30px -10px rgba(0,0,0,.5);transition:transform .4s var(--ease)}
.story:hover .story-play{transform:scale(1.08)}
.story-play svg{width:18px;height:18px;fill:var(--green-deep);margin-left:3px}
.story-time{position:absolute;right:16px;bottom:18px;z-index:1;color:#fff;font-size:13px;font-weight:500}
.story-k{font-size:12.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--green)}
.story-t{font-family:var(--serif);font-size:24px;line-height:1.2}
.stories-note{margin-top:22px;font-size:13px;color:var(--ink-3);display:flex;gap:18px;flex-wrap:wrap;align-items:center}
.stories-note .link-arrow{font-size:14px}

/* ===== Video lightbox ===== */
.vbox{position:fixed;inset:0;z-index:120;display:grid;place-items:center;background:rgba(6,18,14,.82);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);opacity:0;transition:opacity .4s ease}
.vbox[hidden]{display:none}
.vbox.on{opacity:1}
.vbox-inner{width:min(1080px,92vw);aspect-ratio:16/9;border-radius:22px;overflow:hidden;background:#000;box-shadow:0 50px 100px -40px rgba(0,0,0,.8);transform:scale(.96) translateY(10px);transition:transform .5s var(--ease)}
.vbox.on .vbox-inner{transform:none}
.vbox-frame,.vbox-frame iframe{width:100%;height:100%;border:0;display:block}
.vbox-close{position:absolute;top:18px;right:20px;width:44px;height:44px;border-radius:50%;background:rgba(255,255,255,.14);color:#fff;font-size:28px;line-height:1;display:grid;place-items:center;padding-bottom:3px}
.vbox-close:hover{background:rgba(255,255,255,.24)}
@media (prefers-reduced-motion:reduce){.vbox-inner{transform:none;transition:none}.story-media img,.story-play{transition:none}}

@media (max-width:980px){
  .stats{grid-template-columns:1fr 1fr}
  .stat:nth-child(3){border-left:0;padding-left:0}
  .stat:nth-child(n+3){border-top:1px solid var(--line)}
  .facts3,.stories{grid-template-columns:1fr 1fr}
  .claim,.compare{grid-template-columns:1fr}
  .qe-span2{grid-column:1/-1}
}
@media (max-width:680px){
  .stats{grid-template-columns:1fr}
  .stat{border-left:0;padding:26px 0}
  .stat:nth-child(n+2){border-top:1px solid var(--line)}
  .facts3,.stories{grid-template-columns:1fr}
  .compare-col,.claim-need,.fact{padding:26px}
}

/* IUL income + claims contacts */
.stats-3{grid-template-columns:repeat(3,1fr);margin-bottom:36px}
.facts2{grid-template-columns:1fr 1fr;margin-bottom:20px}
.claim-k2{margin-top:28px}
.claim-contacts{list-style:none;display:grid;gap:10px}
.claim-contacts li{display:grid;grid-template-columns:64px 1fr;gap:10px;font-size:15px;align-items:baseline}
.claim-contacts li>span:first-child{font-size:12.5px;color:var(--ink-3)}
.claim-contacts a{color:var(--green);font-weight:500;overflow-wrap:anywhere}
@media (max-width:980px){.stats-3{grid-template-columns:1fr 1fr}.facts2{grid-template-columns:1fr}}
@media (max-width:680px){.stats-3{grid-template-columns:1fr}}

/* four story cards */
.stories{grid-template-columns:repeat(4,1fr)}
.story-t{font-size:22px}
@media (max-width:1100px){.stories{grid-template-columns:1fr 1fr}}
@media (max-width:680px){.stories{grid-template-columns:1fr}}

/* ===== Wordmark in the logo's own typeface (Fraunces, display cut) ===== */
.brand{gap:12px}
.brand img{width:46px;height:46px}
.brand-name{display:grid;line-height:1;font-family:"Fraunces",Georgia,serif;font-variation-settings:"opsz" 144,"SOFT" 50;letter-spacing:-.005em;color:var(--green-deep)}
.brand-name b{font-weight:600;font-size:22px}
.brand-name small{font-weight:500;font-size:12.5px;margin-top:4px;color:var(--green);letter-spacing:.01em}
.foot-top .brand-name b{font-size:24px}
@media (max-width:680px){
  .nav-inner{height:64px}
  .subnav{top:64px;margin-top:64px}
  .brand img{width:40px;height:40px}
  .brand-name b{font-size:19px}
  .brand-name small{font-size:11.5px}
}

/* =====================================================================
   Motion polish — one calm system: short distances, no bounce,
   ease-out for things arriving, ease-in for things leaving.
   ===================================================================== */
:root{--ease-out:cubic-bezier(.16,1,.3,1);--ease-io:cubic-bezier(.65,0,.35,1)}

/* page-to-page: quick fade out, new page settles in from 10px */
::view-transition-group(site-nav){animation-duration:.3s}
::view-transition-old(root){animation:vtp-out .2s cubic-bezier(.4,0,1,1) both}
::view-transition-new(root){animation:vtp-in .5s var(--ease-out) .05s both}
@keyframes vtp-out{to{opacity:0}}
@keyframes vtp-in{from{opacity:0;transform:translateY(10px)}}

@media (prefers-reduced-motion:no-preference){
  /* scroll reveals: shorter travel, smoother finish, tighter stagger */
  .js .reveal.armed{transform:translateY(16px);transition:opacity .9s var(--ease-out),transform .9s var(--ease-out)}
  .js .reveal.armed.in{transform:none}
  .js .reveal.armed.d1{transition-delay:.06s}.js .reveal.armed.d2{transition-delay:.12s}.js .reveal.armed.d3{transition-delay:.18s}
}

/* steady frames instead of shape-shifting corners */
.hero-panel,.reel{animation:none!important}
@media (min-width:769px){
  .hero-panel,.reel{border-radius:40px}
  .about-photo{border-radius:32px}
}

/* calmer hovers */
.brand:hover img{transform:none}
.brand{transition:opacity .3s ease}
.brand:hover{opacity:.82}
.tile:hover,.sol:hover,.type:hover,.cond:hover{transform:translateY(-3px)}

/* logo intro: ring draws, layers settle in gently, then it glides to the menu */
.li-mark{transition:transform .75s var(--ease-io)}
.intro .logo-intro.out{animation:li-away .6s var(--ease-io) forwards}
.intro .li-ring{animation:li-ring .9s var(--ease-io) .05s both}
.intro .li-disc{animation:li-in .7s var(--ease-out) .2s both}
.intro .li-plate{animation:li-fade .6s ease .35s both}
.intro .li-hand{animation:li-lift .8s var(--ease-out) .45s both}
.intro .li-stone{animation:li-settle .8s var(--ease-out) .65s both}
.intro .li-text{animation:li-up .7s var(--ease-out) .95s both}
.intro .li-tag{animation:li-up .7s var(--ease-out) 1.1s both}
@keyframes li-in{from{opacity:0;transform:scale(.96)}}
@keyframes li-lift{from{opacity:0;transform:translateY(8%)}}
@keyframes li-settle{from{opacity:0;transform:translateY(-6%)}}
@media (prefers-reduced-motion:reduce){
  .intro .li-ring{animation:li-fade .6s ease .05s both}
  .intro .li-disc{animation:li-fade .5s ease .15s both}
  .intro .li-plate{animation:li-fade .5s ease .3s both}
  .intro .li-hand{animation:li-fade .6s ease .45s both}
  .intro .li-stone{animation:li-fade .6s ease .7s both}
  .intro .li-text,.intro .li-tag{animation:li-fade .6s ease 1s both}
  .li-mark{transition:none}
}

/* contact form states */
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.form button[disabled]{opacity:.7;cursor:progress}
.form-legal{font-size:12.5px;color:rgba(255,255,255,.6)}
.form-legal a,.form-note a{color:#a7e2c8;text-decoration:underline;text-underline-offset:2px}
.form-done{display:grid;gap:12px;justify-items:start;padding:10px 4px;outline:none}
.form-done p:not(.form-title){color:rgba(255,255,255,.78)}
.form-done-ic{width:48px;height:48px;border-radius:50%;background:#fff;color:var(--green-deep);display:grid;place-items:center;font-size:22px;font-weight:700}

/* legal pages + footer links */
.legal h2{font-size:clamp(24px,2.6vw,30px);margin:44px 0 12px}
.legal h2:first-child{margin-top:0}
.legal p,.legal li{color:var(--ink-2);font-size:17px}
.legal p{margin-bottom:12px}
.legal ul{padding-left:20px;display:grid;gap:10px;margin-bottom:12px}
.legal a,.fine a{color:var(--green);text-decoration:underline;text-underline-offset:2px}
.legal b{color:var(--ink)}

/* Calendly pop-up */
a.is-loading{cursor:progress;opacity:.75}
.calendly-overlay .calendly-popup{border-radius:20px!important;overflow:hidden}
.calendly-overlay{background-color:rgba(6,18,14,.78)!important;backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}

/* language switch */
.lang-switch{font-size:12.5px;font-weight:500;color:var(--green);border:1px solid rgba(27,111,82,.35);border-radius:999px;padding:5px 12px;white-space:nowrap;transition:background .25s,border-color .25s}
.lang-switch:hover{background:var(--green-soft);border-color:var(--green)}
.nav-inner .lang-switch{margin-left:-6px}
.mobile-menu .lang-switch{font-size:15px!important;font-weight:500!important;letter-spacing:0!important;justify-self:start;padding:8px 16px!important;margin-top:8px}
@media (max-width:1060px){.nav-inner>.lang-switch{display:none}}
/* 404 */
.nf{min-height:70vh;display:grid;place-items:center;text-align:center;padding:140px 22px 80px}
.nf-code{font-family:"Fraunces",Georgia,serif;font-variation-settings:"opsz" 144,"SOFT" 50;font-weight:600;font-size:clamp(90px,16vw,180px);line-height:.9;color:var(--green-deep);letter-spacing:-.03em}
.nf h1{font-size:clamp(30px,4vw,46px);margin:18px 0 12px}
.nf .lede{margin:0 auto 28px}
.nf .hero-actions{justify-content:center}

.reviews-cta{margin-top:26px;display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center;justify-content:center;color:var(--ink-2);font-size:16px}

/* ===== Client reviews ===== */
.reviews{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:start}
.review{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:38px 36px 30px}
.review::before{content:"“";position:absolute;top:14px;right:28px;font-family:var(--serif);font-size:110px;line-height:1;color:var(--green-soft)}
.review-t{font-family:"Fraunces",Georgia,serif;font-variation-settings:"opsz" 144,"SOFT" 50;font-weight:600;font-size:clamp(21px,2vw,25px);line-height:1.25;letter-spacing:-.01em;color:var(--green-deep);margin-bottom:16px;padding-right:60px}
.review-b p{color:var(--ink-2);font-size:16.5px;line-height:1.65;margin-bottom:12px}
.js .review.clamp .review-b{max-height:13.2em;overflow:hidden;-webkit-mask-image:linear-gradient(180deg,#000 55%,transparent);mask-image:linear-gradient(180deg,#000 55%,transparent)}
.review-more{margin:4px 0 18px;font-size:15px;font-weight:500;color:var(--green);display:inline-flex;gap:6px;align-items:center}
.review-more::after{content:"›";font-size:1.25em;line-height:1;transition:transform .3s var(--ease)}
.review-more[aria-expanded=true]::after{transform:rotate(-90deg)}
.review-who{display:grid;gap:2px;padding-top:16px;border-top:1px solid var(--line)}
.review-who b{font-size:17px}
.review-who span{font-size:14px;color:var(--ink-3)}
.reviews-note{margin-top:18px;text-align:center;font-size:13px;color:var(--ink-3)}
.reviews-note + .reviews-cta{margin-top:10px}
@media (max-width:820px){.reviews{grid-template-columns:1fr}.review{padding:30px 24px 24px}}

/* review photos */
.review-who{grid-template-columns:56px 1fr;column-gap:14px;align-items:center}
.review-photo{grid-row:span 2;width:56px;height:56px;border-radius:50%;object-fit:cover;box-shadow:0 0 0 3px #fff,0 0 0 4px var(--line)}

/* menu items never wrap; Tagalog labels are longer, so that menu collapses a little earlier */
.nav-links a,.nav-cta,.nav-inner>.lang-switch{white-space:nowrap}
@media (max-width:1240px){
  html[lang=tl] .nav-links,html[lang=tl] .nav-cta,html[lang=tl] .nav-inner>.lang-switch{display:none}
  html[lang=tl] .nav-toggle{display:block}
  html[lang=tl] .mobile-menu{display:grid;gap:4px;max-height:0;overflow:hidden;padding:0 22px;transition:max-height .5s var(--ease),padding .5s var(--ease)}
  html[lang=tl] .mobile-menu a{font-size:24px;font-weight:600;letter-spacing:-.03em;padding:6px 0}
  html[lang=tl] .mobile-menu .btn{font-size:16px;margin-top:14px;justify-self:start;padding:13px 24px}
  html[lang=tl] .nav.open .mobile-menu{max-height:680px;padding:10px 22px 28px}
}

/* ===== Resources tabs ===== */
.rtabs-bar{position:sticky;top:72px;z-index:30;background:rgba(251,250,247,.82);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-block:1px solid var(--line);padding:10px 0}
.rtabs{position:relative;display:flex;width:max-content;max-width:100%;margin:0 auto;background:rgba(22,25,26,.06);border-radius:999px;padding:4px;overflow-x:auto;scrollbar-width:none}
.rtabs::-webkit-scrollbar{display:none}
.rtab{position:relative;z-index:1;padding:9px 22px;border-radius:999px;font-size:15px;font-weight:500;color:var(--ink-2);white-space:nowrap;transition:color .3s}
.rtab[aria-selected=true]{color:#fff}
.rtab:hover:not([aria-selected=true]){color:var(--ink)}
.rtab-pill{position:absolute;top:4px;bottom:4px;left:0;border-radius:999px;background:var(--green);box-shadow:0 6px 16px -8px rgba(27,111,82,.7);transition:transform .45s var(--ease-out),width .45s var(--ease-out);opacity:0}
.js .rtab-pill{opacity:1}
.js .rtab[aria-selected=true]{color:#fff}
html:not(.js) .rtab[aria-selected=true]{color:var(--ink-2)}
.rpanel{scroll-margin-top:140px}
.rpanel[hidden]{display:none}
.rpanel-t{font-size:clamp(30px,4vw,46px);margin-bottom:28px}
.rpanel-lede{margin:-12px 0 34px}
.js .rpanel.is-on{animation:rp-in .45s var(--ease-out) both}
@keyframes rp-in{from{opacity:0;transform:translateY(8px)}}
@media (prefers-reduced-motion:reduce){.js .rpanel.is-on{animation:fade .35s ease both}.rtab-pill{transition:none}}
/* sources list */
.srcs{display:grid;gap:22px}
.src-group{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.src-group h3{font-size:20px;margin-bottom:14px}
.src-group ul{list-style:none;display:grid}
.src-group li a{display:grid;grid-template-columns:96px 1fr;column-gap:16px;row-gap:2px;padding:14px 0;border-top:1px solid var(--line);transition:background .25s}
.src-group li:first-child a{border-top:0}
.src-group li a:hover b{color:var(--green);text-decoration:underline;text-underline-offset:3px}
.src-kind{grid-row:span 2;align-self:start;margin-top:2px;font-size:11.5px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--green);background:var(--green-soft);border-radius:999px;padding:4px 10px;justify-self:start}
.src-group b{font-weight:600;font-size:16px;line-height:1.35}
.src-group b::after{content:" ↗";color:var(--ink-3);font-weight:400}
.src-note{font-size:14.5px;color:var(--ink-2)}
.src-foot{font-size:13px;color:var(--ink-3);max-width:820px}
@media (max-width:680px){
  .rtabs-bar{top:64px}
  .rtab{padding:8px 15px;font-size:14px}
  .src-group{padding:22px}
  .src-group li a{grid-template-columns:1fr}
  .src-kind{grid-row:auto;margin-bottom:6px}
}

.page-hero:not(.about-hero) h1.h1-long{font-size:clamp(38px,5vw,68px)}

/* rider availability note */
.qe-callout{display:flex;gap:16px;align-items:flex-start;margin:0 0 24px;padding:20px 24px;border-radius:var(--radius-sm);background:#fff8e9;border:1px solid #ecd8ac}
.qe-callout-ic{flex:none;width:28px;height:28px;border-radius:50%;background:var(--gold);color:#fff;display:grid;place-items:center;font-family:var(--serif);font-style:italic;font-size:18px;line-height:1;margin-top:1px}
.qe-callout p{color:var(--ink);font-size:16px;line-height:1.55;margin:0}
.qe-callout b{font-weight:600}
@media (max-width:680px){.qe-callout{padding:18px;gap:12px}}

/* fifth (odd) testimonial spans the full row; initial when there's no photo */
@media (min-width:821px){.reviews .review:last-child:nth-child(odd){grid-column:1/-1}}
.review-initial{display:grid;place-items:center;background:var(--green-soft);color:var(--green-deep);font-family:"Fraunces",Georgia,serif;font-variation-settings:"opsz" 144,"SOFT" 50;font-weight:600;font-size:24px}

.fine.license{color:var(--ink-2);font-weight:500;margin-top:14px}