/* Layout: cinematic dark bands (hero, story, services, final call) alternate with warm
   light bands (situations, insurance, FAQ). One deliberate look, not theme-switched.
   Signature: the five GV shield stripes as a thin rule and as the story progress bar. */
:root {
  color-scheme: light;
  --night: #0b0d11;        /* dark bands */
  --night-2: #13161c;
  --night-line: rgba(255,255,255,.1);
  --paper: #f3f1ed;        /* light bands */
  --paper-2: #ffffff;
  --ink: #111318;
  --ink-soft: #5b606b;
  --white: #ffffff;
  --white-soft: rgba(255,255,255,.72);
  --line: #e2ded6;
  --orange: #f7931e;       /* shield orange, primary action */
  --orange-ink: #140b02;
  --red: #d9232a;          /* shield red */
  --s1: #3c82c8; --s2: #2b3590; --s3: #d9232a; --s4: #f7931e; --s5: #f9d64a; /* shield stripes */
  --stripes: linear-gradient(90deg, var(--s1) 0 20%, var(--s2) 20% 40%, var(--s3) 40% 60%, var(--s4) 60% 80%, var(--s5) 80% 100%);
  --display: "Archivo", "Arial Black", Arial, sans-serif;
  --body: "Manrope", "Segoe UI", Roboto, Arial, sans-serif;
  --wrap: 1200px;
  --r: 14px;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-padding-top: 84px; }
body { margin: 0; background: var(--night); color: var(--white); font: 16px/1.6 var(--body); padding-bottom: 76px; -webkit-font-smoothing: antialiased; }
@media (min-width: 900px) { body { padding-bottom: 0; } }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 70; background: var(--night); }
h1, h2, h3 { font-family: var(--display); margin: 0; line-height: 1.02; text-wrap: balance; }
h2 { font-size: clamp(32px, 5vw, 56px); font-weight: 800; font-stretch: 112%; letter-spacing: -0.02em; }
h3 { font-size: 20px; font-weight: 700; line-height: 1.2; }
p { margin: 0; }
a { color: inherit; }
img { max-width: 100%; display: block; }
:focus-visible { outline: 3px solid var(--orange); outline-offset: 3px; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)); }
.band { padding-block: clamp(72px, 10vw, 128px); }
.light { background: var(--paper); color: var(--ink); }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font: 700 12px/1 var(--display); text-transform: uppercase; letter-spacing: .18em; color: var(--orange); margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 34px; height: 4px; background: var(--stripes); border-radius: 2px; }
.light .eyebrow { color: var(--red); }
.sub { font-size: 18px; color: var(--white-soft); max-width: 58ch; margin-top: 18px; }
.light .sub { color: var(--ink-soft); }
.head-row { display: grid; gap: 20px; margin-bottom: 48px; }
@media (min-width: 900px) { .head-row { grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); align-items: end; } }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 54px; padding: 0 26px; border-radius: 999px; font: 700 15px/1 var(--display); letter-spacing: .02em; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: transform .2s, background .2s, border-color .2s; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--orange); color: var(--orange-ink); }
.btn-ghost { border-color: rgba(255,255,255,.4); color: var(--white); background: rgba(255,255,255,.04); backdrop-filter: blur(6px); }
.btn-ghost:hover { border-color: var(--white); }
.btn-dark { background: var(--ink); color: var(--white); }
.arrow::after { content: "→"; font-family: var(--body); }

/* draft note */
.draft { position: relative; z-index: 80; background: #fff3c4; color: #5a4500; font-size: 13px; }
.draft .wrap { display: flex; gap: 12px; align-items: center; justify-content: space-between; padding-block: 7px; flex-wrap: wrap; }
.draft button { background: none; border: 1px solid currentColor; color: inherit; border-radius: 6px; padding: 2px 10px; font: inherit; cursor: pointer; }

/* header */
.header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 60; transition: background .3s, border-color .3s; border-bottom: 1px solid transparent; margin-bottom: -84px; }
.header.solid { background: rgba(11,13,17,.92); backdrop-filter: blur(12px); border-bottom-color: var(--night-line); }
.header .wrap { display: flex; align-items: center; gap: 28px; height: 84px; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; flex-shrink: 0; }
.logo .shield { width: 44px; height: auto; }
.logo .word { width: 118px; height: auto; }
.nav { display: none; gap: 26px; }
.nav a { text-decoration: none; font-weight: 600; font-size: 15px; color: var(--white-soft); transition: color .2s; }
.nav a:hover { color: var(--white); }
.head-cta { margin-left: auto; display: flex; align-items: center; gap: 18px; }
.head-phone { font: 700 15px/1 var(--display); text-decoration: none; white-space: nowrap; display: none; }
.header .btn { min-height: 44px; padding: 0 20px; font-size: 14px; }
@media (min-width: 640px) { .head-phone { display: inline; } }
@media (min-width: 1040px) { .nav { display: flex; } }

/* hero */
.hero { position: relative; min-height: min(100svh, 980px); display: flex; align-items: flex-end; overflow: hidden; isolation: isolate; }
.hero-media { position: absolute; inset: -6% 0 0; z-index: -2; will-change: transform; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: 74% 50%; animation: kenburns 22s ease-out both; }
@keyframes kenburns { from { transform: scale(1.14); } to { transform: scale(1); } }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background:
  linear-gradient(180deg, rgba(11,13,17,.45) 0%, rgba(11,13,17,0) 22%, rgba(11,13,17,0) 78%, var(--night) 100%),
  linear-gradient(90deg, rgba(11,13,17,.82) 0%, rgba(11,13,17,.45) 34%, rgba(11,13,17,0) 58%); }
@media (max-width: 700px) { .hero::after { background: linear-gradient(180deg, rgba(11,13,17,.5) 0%, rgba(11,13,17,.1) 30%, rgba(11,13,17,.75) 75%, var(--night) 100%); } }
.hero .wrap { width: 100%; padding-block: 150px 64px; }
.badges { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 26px; }
.badge { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); backdrop-filter: blur(8px); font-size: 13px; font-weight: 600; }
.badge .star { color: #ffc44d; }
.hero h1 { font-size: clamp(44px, 6.6vw, 92px); font-weight: 900; font-stretch: 118%; letter-spacing: -0.03em; line-height: .94; max-width: 11ch; }
.hero h1 span { display: block; color: var(--orange); }
.hero .sub { font-size: clamp(17px, 1.6vw, 20px); margin-top: 24px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }
.hero-foot { display: flex; flex-wrap: wrap; gap: 8px 26px; margin-top: 40px; font-size: 14px; color: var(--white-soft); }
.hero-foot span::before { content: "✓"; color: var(--orange); font-weight: 800; margin-right: 8px; }

/* stats */
.stats { border-top: 1px solid var(--night-line); border-bottom: 1px solid var(--night-line); background: var(--night); }
.stats .wrap { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (min-width: 860px) { .stats .wrap { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.stat { padding: 28px 20px 28px 0; border-right: 1px solid var(--night-line); }
.stat:nth-child(2n) { border-right: 0; padding-left: 20px; }
@media (min-width: 860px) { .stat, .stat:nth-child(2n) { border-right: 1px solid var(--night-line); padding-left: 24px; } .stat:first-child { padding-left: 0; } .stat:last-child { border-right: 0; } }
.stat b { display: block; font: 800 clamp(30px, 3.6vw, 44px)/1 var(--display); font-stretch: 112%; font-variant-numeric: tabular-nums; }
.stat span { display: block; margin-top: 8px; font-size: 14px; color: var(--white-soft); }

/* scroll story: pinned, images crossfade as you scroll */
.story { position: relative; height: 420vh; background: var(--night); }
.story-pin { position: sticky; top: 0; height: 100svh; overflow: hidden; display: grid; }
.story-layer { position: absolute; inset: 0; opacity: 0; transition: opacity .6s ease; }
.story-layer.on { opacity: 1; }
.story-layer img { width: 100%; height: 100%; object-fit: cover; transform: scale(var(--z, 1.08)); transition: transform .2s linear; }
.story-pin::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(11,13,17,.92) 0%, rgba(11,13,17,.55) 45%, rgba(11,13,17,.1) 100%), linear-gradient(0deg, rgba(11,13,17,.8), transparent 40%); pointer-events: none; }
.story-ui { position: relative; z-index: 2; align-self: center; width: 100%; }
.story-ui .wrap { display: grid; gap: 28px; }
.story-title { font-size: clamp(30px, 4.4vw, 52px); max-width: 14ch; }
.story-steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; max-width: 520px; }
.story-step { padding: 16px 0 16px 22px; border-left: 3px solid rgba(255,255,255,.18); transition: border-color .4s, opacity .4s; opacity: .45; }
.story-step.on { opacity: 1; border-left-color: var(--orange); }
.story-step h3 { font-size: clamp(19px, 2vw, 24px); }
.story-step p { color: var(--white-soft); margin-top: 6px; max-width: 46ch; max-height: 0; overflow: hidden; transition: max-height .5s ease; }
.story-step.on p { max-height: 120px; }
.story-step small { font: 700 12px/1 var(--display); letter-spacing: .16em; color: var(--orange); display: block; margin-bottom: 6px; }
.story-bar { position: absolute; left: 0; right: 0; bottom: 0; height: 5px; z-index: 3; background: rgba(255,255,255,.08); }
.story-bar i { display: block; height: 100%; width: calc(var(--p, 0) * 100%); background: var(--stripes); background-size: 100vw 100%; }
@media (prefers-reduced-motion: reduce) { .story { height: auto; } .story-pin { position: relative; height: auto; min-height: 100svh; } .story-step { opacity: 1; } .story-step p { max-height: none; } }

/* situations */
.situations { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); }
.sit { position: relative; display: flex; flex-direction: column; gap: 12px; padding: 28px 24px 24px; background: var(--paper-2); border: 1px solid var(--line); border-radius: var(--r); text-decoration: none; transition: transform .25s, box-shadow .25s; min-height: 230px; }
.sit:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(17,19,24,.1); }
.sit .k { font: 800 12px/1 var(--display); letter-spacing: .16em; text-transform: uppercase; color: var(--ink-soft); }
.sit p { color: var(--ink-soft); flex: 1; }
.sit .go { font-weight: 800; color: var(--red); }
.sit:first-child { background: var(--ink); color: var(--white); border-color: var(--ink); }
.sit:first-child p, .sit:first-child .k { color: rgba(255,255,255,.7); }
.sit:first-child .go { color: var(--orange); }

/* before / after */
.cases { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.case { border-radius: var(--r); overflow: hidden; background: var(--night-2); border: 1px solid var(--night-line); }
.case-media { position: relative; aspect-ratio: 4 / 3; max-width: 100%; overflow: hidden; }
.case-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: opacity .5s ease, transform .8s ease; }
.case-media .after { opacity: 0; }
.case.show-after .after { opacity: 1; }
.case:hover .case-media img { transform: scale(1.04); }
.toggle { position: absolute; left: 14px; bottom: 14px; display: flex; padding: 4px; border-radius: 999px; background: rgba(11,13,17,.7); backdrop-filter: blur(8px); }
.toggle button { border: 0; background: none; color: var(--white-soft); font: 700 12px/1 var(--display); letter-spacing: .1em; padding: 9px 14px; border-radius: 999px; cursor: pointer; }
.toggle button[aria-pressed="true"] { background: var(--white); color: var(--ink); }
.case-body { padding: 20px 22px 24px; }
.case-body p { color: var(--white-soft); font-size: 15px; margin-top: 6px; }
.case-tag { font: 700 12px/1 var(--display); letter-spacing: .14em; color: var(--orange); text-transform: uppercase; }

/* services bento */
.bento { display: grid; gap: 14px; grid-template-columns: 1fr; }
@media (min-width: 820px) { .bento { grid-template-columns: repeat(4, minmax(0, 1fr)); grid-auto-rows: 250px; } .tile.big { grid-column: span 2; grid-row: span 2; } .tile.wide { grid-column: span 2; } }
.tile { position: relative; min-height: 240px; border-radius: var(--r); overflow: hidden; display: flex; align-items: flex-end; text-decoration: none; isolation: isolate; }
.tile img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; transition: transform .8s ease; }
.tile:hover img { transform: scale(1.06); }
.tile::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(11,13,17,.92) 0%, rgba(11,13,17,.35) 55%, rgba(11,13,17,.05) 100%); }
.tile-body { padding: 22px 24px; }
.tile small { font: 700 12px/1 var(--display); letter-spacing: .12em; color: var(--orange); text-transform: uppercase; }
.tile h3 { font-size: clamp(20px, 2vw, 28px); margin-top: 8px; }
.tile.big h3 { font-size: clamp(26px, 3vw, 40px); }
.tile p { color: var(--white-soft); font-size: 15px; margin-top: 8px; max-width: 42ch; }
.tile .corner { position: absolute; top: 16px; right: 16px; width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,.12); backdrop-filter: blur(6px); font-size: 16px; }

/* insurance */
.ins-grid { display: grid; gap: 40px; }
@media (min-width: 960px) { .ins-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); align-items: start; } }
.ins-list { list-style: none; margin: 30px 0 0; padding: 0; border-top: 1px solid var(--line); }
.ins-list li { display: grid; grid-template-columns: 44px minmax(0, 1fr); gap: 4px 12px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.ins-list b { font: 800 14px/1.6 var(--display); color: var(--red); font-variant-numeric: tabular-nums; }
.ins-list span { font-weight: 700; font-size: 17px; }
.ins-list p { grid-column: 2; color: var(--ink-soft); font-size: 15px; }
.big-num { display: flex; align-items: baseline; gap: 14px; margin-bottom: 18px; }
.big-num b { font: 900 clamp(48px, 6vw, 72px)/1 var(--display); font-stretch: 115%; letter-spacing: -0.03em; }
.big-num span { color: var(--ink-soft); max-width: 22ch; }
.insurers { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.insurer { display: grid; place-items: center; min-height: 72px; padding: 10px; border-radius: 10px; background: var(--paper-2); border: 1px solid var(--line); font: 800 15px/1.1 var(--display); font-stretch: 105%; text-align: center; color: #3c414b; letter-spacing: -.01em; }
.insurer.all { grid-column: span 2; font: 600 14px/1.3 var(--body); color: var(--ink-soft); border-style: dashed; }
.law { margin-top: 22px; padding: 22px 24px; border-radius: var(--r); background: var(--ink); color: var(--white); }
.law h3 { font-size: 19px; }
.law p { color: rgba(255,255,255,.72); margin-top: 8px; font-size: 15px; }
.fine { font-size: 13px; color: var(--ink-soft); margin-top: 14px; }

/* money */
.money { display: grid; gap: 1px; background: var(--night-line); border: 1px solid var(--night-line); border-radius: var(--r); overflow: hidden; grid-template-columns: 1fr; }
@media (min-width: 760px) { .money { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.money div { background: var(--night-2); padding: 26px; }
.money h3 { font-size: 18px; display: flex; align-items: center; gap: 10px; }
.money h3::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--orange); flex-shrink: 0; }
.money p { color: var(--white-soft); margin-top: 8px; font-size: 15px; }

/* estimate CTA with photo */
.est { position: relative; border-radius: 20px; overflow: hidden; isolation: isolate; padding: clamp(32px, 5vw, 64px); display: grid; gap: 24px; }
@media (min-width: 900px) { .est { grid-template-columns: minmax(0, 1.3fr) auto; align-items: end; } }
.est img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; }
.est::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(11,13,17,.94), rgba(11,13,17,.6)); }
.est h2 { font-size: clamp(28px, 4vw, 46px); max-width: 16ch; }

/* why */
.why { display: grid; gap: 40px; }
@media (min-width: 960px) { .why { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); align-items: center; } }
.collage { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.collage figure { margin: 0; position: relative; border-radius: var(--r); overflow: hidden; aspect-ratio: 4 / 3; max-width: 100%; }
.collage figure:first-child { grid-column: span 2; aspect-ratio: 16 / 10; }
.collage img { width: 100%; height: 100%; object-fit: cover; }
.collage figcaption { position: absolute; left: 12px; top: 12px; padding: 6px 10px; border-radius: 999px; background: rgba(11,13,17,.7); color: var(--white); font-size: 12px; font-weight: 700; }
.rating { position: absolute; left: 16px; bottom: 16px; display: flex; gap: 12px; align-items: center; padding: 12px 16px; border-radius: 12px; background: rgba(11,13,17,.82); backdrop-filter: blur(8px); color: var(--white); }
.rating b { font: 800 30px/1 var(--display); }
.rating span { font-size: 13px; color: var(--white-soft); }
.rating .star { color: #ffc44d; letter-spacing: 2px; }
.points { list-style: none; margin: 0; padding: 0; display: grid; }
.points li { display: grid; grid-template-columns: 44px minmax(0, 1fr); gap: 4px 12px; padding: 22px 0; border-bottom: 1px solid var(--line); }
.points b { font: 800 14px/1.5 var(--display); color: var(--red); }
.points h3 { font-size: 19px; }
.points p { grid-column: 2; color: var(--ink-soft); font-size: 15px; }

/* faq */
.faq-grid { display: grid; gap: 40px; }
@media (min-width: 960px) { .faq-grid { grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); } }
.faq { display: grid; }
.faq details { border-bottom: 1px solid var(--night-line); }
.faq summary { cursor: pointer; list-style: none; padding: 22px 0; display: flex; justify-content: space-between; gap: 20px; font: 700 clamp(17px, 1.6vw, 20px)/1.3 var(--display); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--orange); font-size: 26px; line-height: .9; transition: transform .25s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--white-soft); padding-bottom: 22px; max-width: 62ch; }

/* contact + form */
.contact { display: grid; gap: 40px; }
@media (min-width: 960px) { .contact { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } }
.c-list { display: grid; gap: 22px; margin-top: 30px; }
.c-list div span { display: block; font: 700 12px/1 var(--display); letter-spacing: .14em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 6px; }
.c-list div b { font: 700 20px/1.35 var(--display); }
.c-list a { color: var(--red); font-weight: 700; font-size: 15px; }
.form-card { background: var(--paper-2); border: 1px solid var(--line); border-radius: 20px; padding: clamp(22px, 3vw, 34px); box-shadow: 0 30px 60px rgba(17,19,24,.08); }
.form-card h3 { font-size: 26px; }
.form-card .note { color: var(--ink-soft); font-size: 15px; margin: 6px 0 22px; }
.field { display: grid; gap: 7px; margin-bottom: 16px; }
.field > span, .field legend { font-size: 13px; font-weight: 700; color: var(--ink-soft); padding: 0; }
fieldset.field { border: 0; margin: 0 0 16px; padding: 0; min-width: 0; }
.field input[type="text"], .field input[type="tel"] { height: 52px; border: 1px solid var(--line); border-radius: 10px; padding: 0 16px; font: inherit; background: var(--paper); color: var(--ink); width: 100%; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { position: relative; }
.chip input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.chip span { display: inline-block; padding: 9px 14px; border: 1px solid var(--line); border-radius: 999px; font-size: 14px; font-weight: 700; background: var(--paper-2); color: var(--ink); }
.chip input:checked + span { background: var(--ink); color: var(--white); border-color: var(--ink); }
.chip input:focus-visible + span { outline: 3px solid var(--orange); outline-offset: 2px; }
.upload { position: relative; display: flex; align-items: center; justify-content: center; min-height: 52px; border: 1.5px dashed #c9c4b9; border-radius: 10px; font-weight: 700; color: var(--ink-soft); cursor: pointer; padding: 8px; text-align: center; }
.upload input { position: absolute; inset: 0; opacity: 0; cursor: pointer; }
.form-card .btn { width: 100%; }
.form-done { text-align: center; padding: 30px 6px; }
.form-done h3 { margin-bottom: 8px; }

/* final call */
.final { position: relative; overflow: hidden; isolation: isolate; text-align: center; }
.final img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; }
.final::after { content: ""; position: absolute; inset: 0; z-index: -1; background: rgba(11,13,17,.8); }
.final h2 { font-size: clamp(36px, 6vw, 76px); font-stretch: 118%; }
.final .sub { margin-inline: auto; }
.final .hero-actions { justify-content: center; }

/* footer */
.footer { background: #07080b; border-top: 4px solid transparent; border-image: var(--stripes) 1; }
.footer .wrap { padding-block: 56px 30px; display: grid; gap: 34px; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); }
.footer h4 { font: 700 12px/1 var(--display); letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.5); margin: 0 0 14px; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; font-size: 15px; color: var(--white-soft); }
.footer a { text-decoration: none; }
.footer a:hover { color: var(--orange); }
.footer .about p { color: var(--white-soft); font-size: 15px; margin-top: 16px; max-width: 34ch; }
.legal { border-top: 1px solid var(--night-line); }
.legal .wrap { padding-block: 18px; display: flex; flex-wrap: wrap; gap: 8px 22px; font-size: 13px; color: rgba(255,255,255,.5); }

/* mobile action bar */
.mbar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 65; display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 8px; background: rgba(11,13,17,.96); backdrop-filter: blur(10px); border-top: 1px solid var(--night-line);
  padding: 10px max(12px, env(safe-area-inset-right, 0px)) calc(10px + env(safe-area-inset-bottom, 0px)) max(12px, env(safe-area-inset-left, 0px)); }
.mbar a { min-height: 50px; border-radius: 12px; display: grid; place-items: center; font: 700 15px/1 var(--display); text-decoration: none; color: var(--white); border: 1px solid rgba(255,255,255,.2); }
.mbar a.call { background: var(--orange); color: var(--orange-ink); border-color: var(--orange); }
@media (min-width: 900px) { .mbar { display: none; } }

/* gentle rise on scroll; content stays visible at rest */
.rise { transition: transform .8s cubic-bezier(.2,.7,.2,1); }
.rise.pre { transform: translateY(36px); }
@media (prefers-reduced-motion: reduce) {
  .hero-media img { animation: none; }
  .rise.pre { transform: none; }
  * { transition-duration: 0s !important; }
}

/* ---------- v5: motion, marquee, mechanic, assistant ---------- */
.hero-media video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 74% 50%; }
.sweep { position: absolute; inset: 0; z-index: -1; pointer-events: none; overflow: hidden; mix-blend-mode: screen; }
.sweep::before { content: ""; position: absolute; top: -20%; bottom: -20%; width: 28%; left: -40%; transform: skewX(-18deg);
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.10), rgba(247,147,30,.10), transparent); animation: sweep 7s ease-in-out infinite 1.5s; }
@keyframes sweep { 0% { left: -40%; } 55%, 100% { left: 120%; } }

.marquee { overflow: hidden; border-block: 1px solid var(--night-line); background: var(--night); padding-block: 22px; }
.marquee.light-m { background: var(--paper); border-color: var(--line); color: var(--ink); }
.marquee-track { display: flex; width: max-content; gap: 48px; animation: marq 38s linear infinite; }
.marquee.rev .marquee-track { animation-direction: reverse; animation-duration: 46s; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee span { font: 800 clamp(26px, 4vw, 52px)/1 var(--display); font-stretch: 118%; letter-spacing: -0.02em; white-space: nowrap; display: inline-flex; align-items: center; gap: 48px; }
.marquee span::after { content: ""; width: 14px; height: 14px; border-radius: 50%; background: var(--stripes); }
.marquee .o { color: transparent; -webkit-text-stroke: 1.2px rgba(255,255,255,.55); }
.marquee.light-m .o { -webkit-text-stroke-color: rgba(17,19,24,.45); }
.marquee.brands span { font-size: clamp(20px, 2.6vw, 32px); font-weight: 700; font-stretch: 100%; color: #8a8f99; }
@keyframes marq { from { transform: translateX(0); } to { transform: translateX(-50%); } }

.mech { display: grid; gap: 40px; }
@media (min-width: 960px) { .mech { grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); align-items: center; } }
.mech-media { position: relative; border-radius: 20px; overflow: hidden; aspect-ratio: 16 / 11; max-width: 100%; }
.mech-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s ease; }
.mech-media:hover img { transform: scale(1.05); }
.mech-tag { position: absolute; left: 16px; bottom: 16px; padding: 10px 14px; border-radius: 12px; background: rgba(11,13,17,.8); backdrop-filter: blur(8px); font-size: 14px; }
.mech-tag b { color: var(--orange); }
.mech-list { list-style: none; margin: 28px 0 30px; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.mech-list li { padding: 14px 16px; border: 1px solid var(--night-line); border-radius: 12px; background: var(--night-2); font-weight: 700; font-size: 15px; transition: border-color .25s, transform .25s; }
.mech-list li:hover { border-color: var(--orange); transform: translateY(-2px); }
.mech-list small { display: block; color: var(--white-soft); font-weight: 500; font-size: 13px; margin-top: 3px; }
.tile.cta { background: var(--orange); color: var(--orange-ink); }
.tile.cta::after { display: none; }
.tile.cta small, .tile.cta p { color: var(--orange-ink); }

/* assistant */
.ai-fab { position: fixed; z-index: 66; right: max(16px, env(safe-area-inset-right, 0px)); bottom: calc(86px + env(safe-area-inset-bottom, 0px)); display: inline-flex; align-items: center; gap: 10px; padding: 12px 18px 12px 12px; border-radius: 999px; border: 0; cursor: pointer; background: var(--white); color: var(--ink); font: 700 14px/1 var(--display); box-shadow: 0 14px 40px rgba(0,0,0,.35); }
@media (min-width: 900px) { .ai-fab { bottom: calc(24px + env(safe-area-inset-bottom, 0px)); } }
.ai-fab .dot { width: 34px; height: 34px; border-radius: 50%; background: var(--stripes); display: grid; place-items: center; color: #fff; font-size: 16px; position: relative; }
.ai-fab .dot::after { content: ""; position: absolute; right: -1px; top: -1px; width: 10px; height: 10px; border-radius: 50%; background: #2ecc71; border: 2px solid #fff; }
.ai-fab small { display: block; font: 500 11px/1.2 var(--body); color: var(--ink-soft); margin-top: 3px; }
.ai-panel { position: fixed; z-index: 67; right: max(12px, env(safe-area-inset-right, 0px)); bottom: calc(12px + env(safe-area-inset-bottom, 0px)); width: min(400px, calc(100vw - 24px)); height: min(620px, calc(100svh - 90px)); display: flex; flex-direction: column; border-radius: 20px; overflow: hidden; background: #ffffff; color: var(--ink); box-shadow: 0 30px 80px rgba(0,0,0,.45); }
.ai-head { display: flex; align-items: center; gap: 12px; padding: 14px 16px; background: var(--ink); color: var(--white); }
.ai-head img { width: 34px; height: auto; }
.ai-head b { display: block; font: 700 15px/1.2 var(--display); }
.ai-head span { font-size: 12px; color: rgba(255,255,255,.7); }
.ai-lang { margin-left: auto; display: flex; gap: 4px; }
.ai-lang button, .ai-x { border: 1px solid rgba(255,255,255,.25); background: none; color: #fff; border-radius: 8px; padding: 5px 7px; font: 700 11px/1 var(--display); cursor: pointer; }
.ai-lang button[aria-pressed="true"] { background: #fff; color: var(--ink); }
.ai-x { font-size: 14px; padding: 4px 9px; }
.ai-log { flex: 1; overflow-y: auto; padding: 16px; display: flex; flex-direction: column; gap: 10px; background: #f5f3ef; }
.msg { max-width: 86%; padding: 10px 13px; border-radius: 14px; font-size: 14.5px; line-height: 1.45; white-space: pre-line; }
.msg.bot { background: #fff; border: 1px solid var(--line); border-bottom-left-radius: 4px; align-self: flex-start; }
.msg.me { background: var(--ink); color: #fff; border-bottom-right-radius: 4px; align-self: flex-end; }
.msg .price { display: block; font: 800 24px/1.1 var(--display); margin: 6px 0 2px; color: var(--ink); }
.qr { display: flex; flex-wrap: wrap; gap: 6px; align-self: flex-start; }
.qr button, .qr a { border: 1px solid var(--line); background: #fff; color: var(--ink); border-radius: 999px; padding: 8px 12px; font: 700 13px/1.1 var(--body); cursor: pointer; text-decoration: none; }
.qr button:hover, .qr a:hover { border-color: var(--orange); }
.qr .wa { background: #25d366; border-color: #25d366; color: #06230f; }
.ai-form { display: flex; gap: 8px; padding: 10px; border-top: 1px solid var(--line); background: #fff; }
.ai-form input { flex: 1; min-width: 0; height: 44px; border: 1px solid var(--line); border-radius: 12px; padding: 0 14px; font: inherit; font-size: 15px; color: var(--ink); background: #fff; }
.ai-form button { height: 44px; padding: 0 16px; border: 0; border-radius: 12px; background: var(--orange); color: var(--orange-ink); font: 700 14px/1 var(--display); cursor: pointer; }
.ai-note { font-size: 11px; color: var(--ink-soft); text-align: center; padding: 0 10px 8px; background: #fff; }
@media (prefers-reduced-motion: reduce) { .marquee-track, .sweep::before { animation: none; } }

/* ---------- v6: crossing tapes + drag compare ---------- */
.tapes { position: relative; height: 150px; overflow: hidden; background: var(--night); }
.tape { position: absolute; left: -5%; right: -5%; padding-block: 16px; }
.tape.t1 { top: 22px; background: var(--orange); color: var(--orange-ink); transform: rotate(-2.4deg); z-index: 2; box-shadow: 0 10px 30px rgba(0,0,0,.35); }
.tape.t2 { top: 58px; background: #1b1f27; color: var(--white); transform: rotate(2deg); border-block: 1px solid var(--night-line); }
.tape-track { display: flex; align-items: center; gap: 28px; width: max-content; animation: marq 34s linear infinite; }
.tape.t2 .tape-track { animation-direction: reverse; animation-duration: 40s; }
.tape span { font: 800 clamp(18px, 2.2vw, 26px)/1 var(--display); font-stretch: 112%; letter-spacing: .02em; text-transform: uppercase; white-space: nowrap; }
.tape b { font-size: 18px; line-height: 1; }
.tape.t2 b { color: var(--orange); }
.tapes:hover .tape-track { animation-play-state: paused; }
@media (prefers-reduced-motion: reduce) { .tape-track { animation: none; } }

.ba2 { --pos: 50%; touch-action: pan-y; cursor: ew-resize; user-select: none; -webkit-user-select: none; }
.ba2 img { transition: none !important; transform: none !important; pointer-events: none; }
.ba2 .after { opacity: 1 !important; clip-path: inset(0 0 0 var(--pos)); }
.ba-handle { position: absolute; top: 0; bottom: 0; left: var(--pos); width: 0; z-index: 3; pointer-events: none; }
.ba-handle::before { content: ""; position: absolute; top: 0; bottom: 0; left: -1.5px; width: 3px; background: #fff; box-shadow: 0 0 12px rgba(0,0,0,.4); }
.ba-handle i { position: absolute; top: 50%; left: 0; width: 48px; height: 48px; transform: translate(-50%, -50%); border-radius: 50%; background: var(--orange); box-shadow: 0 8px 24px rgba(0,0,0,.4); }
.ba-handle i::before, .ba-handle i::after { content: ""; position: absolute; top: 50%; width: 0; height: 0; border: 7px solid transparent; transform: translateY(-50%); }
.ba-handle i::before { left: 7px; border-right-color: var(--orange-ink); }
.ba-handle i::after { right: 7px; border-left-color: var(--orange-ink); }
.ba-tag { position: absolute; top: 14px; z-index: 2; padding: 6px 10px; border-radius: 6px; background: rgba(11,13,17,.75); color: #fff; font: 700 11px/1 var(--display); letter-spacing: .14em; }
.ba-tag.l { left: 14px; } .ba-tag.r { right: 14px; }
.ba-range { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; margin: 0; cursor: ew-resize; z-index: 4; }
.ba-range:focus-visible + * { outline: none; }
.case:has(.ba-range:focus-visible) .ba-handle i { outline: 3px solid #fff; outline-offset: 3px; }
.nav { gap: 22px; } .nav a { white-space: nowrap; }
.header .btn { white-space: nowrap; }
@media (min-width: 1040px) and (max-width: 1199px) { .nav { display: none; } }

/* ---------- v7: progress bar, rotating words, guides ---------- */
.progress { position: fixed; left: 0; right: 0; top: env(safe-area-inset-top, 0px); height: 3px; z-index: 75; pointer-events: none; }
.progress i { display: block; height: 100%; width: calc(var(--sp, 0) * 100%); background: var(--stripes); background-size: 100vw 100%; }
.rotator { margin-top: 22px; font: 700 clamp(18px, 2vw, 24px)/1.2 var(--display); color: var(--white); display: flex; flex-wrap: wrap; gap: 0 .35em; align-items: baseline; }
.rot { position: relative; display: inline-grid; color: var(--orange); }
.rot b { grid-area: 1 / 1; font-weight: 800; opacity: 0; transform: translateY(60%); transition: opacity .45s ease, transform .45s ease; white-space: nowrap; }
.rot b.on { opacity: 1; transform: none; }
.rot b.out { opacity: 0; transform: translateY(-60%); }
.rot::after { content: ""; position: absolute; left: 0; right: 0; bottom: -4px; height: 3px; background: var(--stripes); border-radius: 2px; }
.guides { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.guide { display: flex; flex-direction: column; gap: 12px; padding: 28px 26px; border-radius: var(--r); background: var(--paper-2); border: 1px solid var(--line); text-decoration: none; color: var(--ink); min-height: 250px; position: relative; overflow: hidden; transition: transform .3s, box-shadow .3s; }
.guide::before { content: ""; position: absolute; left: 0; top: 0; right: 0; height: 4px; background: var(--stripes); transform: scaleX(0); transform-origin: left; transition: transform .5s ease; }
.guide:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(17,19,24,.1); }
.guide:hover::before { transform: scaleX(1); }
.g-k { font: 700 12px/1 var(--display); letter-spacing: .14em; text-transform: uppercase; color: var(--red); }
.guide h3 { font-size: 22px; }
.guide p { color: var(--ink-soft); flex: 1; }
.g-go { font-weight: 800; }
@media (prefers-reduced-motion: reduce) { .rot b { transition: none; } }
@media (max-width: 600px) { .ai-fab { padding: 8px; } .ai-fab > span:last-child { display: none; } .ai-fab .dot { width: 44px; height: 44px; font-size: 18px; } }

/* ---------- v8: reels ---------- */
.reels { display: grid; gap: 40px; align-items: center; }
@media (min-width: 900px) { .reels { grid-template-columns: minmax(0, 1fr) auto; } }
.reel-row { display: flex; gap: 16px; overflow-x: auto; scroll-snap-type: x mandatory; padding-bottom: 6px; }
.reel { position: relative; margin: 0; flex: 0 0 auto; width: min(320px, 78vw); aspect-ratio: 9 / 16; border-radius: 26px; overflow: hidden; background: #000; scroll-snap-align: start; box-shadow: 0 30px 70px rgba(0,0,0,.5); border: 6px solid #1b1f27; }
.reel video { width: 100%; height: 100%; object-fit: cover; display: block; }
.reel figcaption { position: absolute; left: 14px; right: 14px; bottom: 14px; font-size: 13px; font-weight: 700; color: #fff; text-shadow: 0 2px 8px rgba(0,0,0,.6); }
.reel-sound { position: absolute; top: 12px; right: 12px; border: 0; border-radius: 999px; padding: 7px 11px; background: rgba(11,13,17,.7); color: #fff; font: 700 12px/1 var(--display); cursor: pointer; backdrop-filter: blur(6px); }
.lead-card { display: grid; gap: 4px; border-left: 3px solid var(--orange); font-size: 13.5px; }
.lead-card div:first-child { font-weight: 800; }
/* reels row: full-bleed horizontal swipe */
.reel-row { padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)); scroll-padding-left: 20px; gap: 18px; padding-bottom: 14px; scrollbar-width: thin; }
@media (min-width: 1240px) { .reel-row { padding-left: calc((100vw - 1200px) / 2 + 20px); } }
.reel { width: clamp(220px, 24vw, 300px); }
.reel-row::-webkit-scrollbar { height: 6px; } .reel-row::-webkit-scrollbar-thumb { background: rgba(255,255,255,.2); border-radius: 3px; }
.rot b.out { transition-duration: .2s; }

/* Form states */
.form-err { color: #b3261e; font-size: 14px; margin: 2px 0 14px; }
.form-err a { color: inherit; font-weight: 700; }
.field small { font-weight: 400; opacity: .7; }
.form-done .btn { margin-top: 18px; }

/* Article pages (guides, privacy, 404) */
.page-head { background: var(--night); padding: 140px 0 56px; border-bottom: 1px solid var(--night-line); }
.page-head h1 { font-size: clamp(34px, 5.4vw, 60px); font-weight: 800; font-stretch: 112%; letter-spacing: -0.02em; max-width: 18ch; }
.page-head .lede { color: var(--white-soft); font-size: 19px; margin-top: 18px; max-width: 60ch; }
.article { background: var(--paper); color: var(--ink); padding: 56px 0 80px; }
.article .wrap { max-width: 760px; }
.article h2 { font-size: clamp(24px, 3vw, 30px); margin: 40px 0 12px; }
.article p, .article li { font-size: 17px; line-height: 1.7; color: #2b2f37; }
.article p + p { margin-top: 14px; }
.article ul, .article ol { padding-left: 22px; margin: 12px 0; display: grid; gap: 6px; }
.article a { color: #a85a00; font-weight: 700; }
.article .callout { background: var(--paper-2); border: 1px solid var(--line); border-left: 5px solid var(--orange); border-radius: var(--r); padding: 20px 22px; margin: 32px 0 0; }
.article .cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }
.article .btn-ghost { color: var(--ink); border-color: var(--ink); }
.article .muted { color: var(--ink-soft); font-size: 14px; margin-top: 36px; }
.simple-head { position: absolute; inset: 0 0 auto; z-index: 5; }
.simple-head .wrap { display: flex; align-items: center; justify-content: space-between; height: 84px; gap: 16px; }
.simple-head .back { color: var(--white-soft); text-decoration: none; font-weight: 700; font-size: 15px; }
.simple-head .back:hover { color: var(--orange); }
.article .wrap > h2:first-child { margin-top: 0; }
a.insurer { text-decoration: none; color: inherit; }
a.insurer:hover { border-color: var(--orange); color: #a85a00; }
.article .ins-index { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 10px; }
.article .ins-index a { display: block; padding: 14px 16px; background: var(--paper-2); border: 1px solid var(--line); border-radius: 12px; text-decoration: none; color: var(--ink); }
.article .ins-index a:hover { border-color: var(--orange); }