/* ==================================================================
   Hamwi Insurance Broker - site styles
   Sections in order: tokens, base, utility bar, header, buttons, hero,
   carriers, super visa, coverage ring, drawer, process, asks, referral,
   faq, quote, foot banner, footer, motion, print, responsive.
================================================================== */

/* ---------- Poppins, the geometric sans hamwi.ca already uses ----------
   Served from assets/fonts so the page still makes no external requests. */
@font-face{font-family:Poppins;font-style:normal;font-weight:400;font-display:swap;
  src:url("fonts/poppins-400.woff2") format("woff2")}
@font-face{font-family:Poppins;font-style:normal;font-weight:500;font-display:swap;
  src:url("fonts/poppins-500.woff2") format("woff2")}
@font-face{font-family:Poppins;font-style:normal;font-weight:600;font-display:swap;
  src:url("fonts/poppins-600.woff2") format("woff2")}

/* ---------- tokens ---------- */
:root{
  /* warm charcoal rather than navy: his palette runs warm, and cold blue-black
     next to gold reads corporate where his site reads friendly */
  --ink:#231d17;
  --ink-2:#2e2620;
  --ink-3:#3d332a;
  --paper:#fffdfa;
  --paper-2:#faf5ec;
  --paper-3:#f2eade;
  --rule:#e8e0d2;
  --rule-2:#d8cdb9;
  --gold:#c08c4e;
  --gold-lt:#e3c893;
  --gold-pale:#f7ecd9;
  --gold-dk:#8a6129;
  --text:#241f19;
  --muted:#6b6259;
  --muted-2:#988e82;
  --ok:#2e7d5b;
  --bad:#b3402f;
  --wa:#25d366;                 /* WhatsApp green, his floating bubble */
  --r:10px;                     /* his cards are rounded, not square */

  --display:Poppins,"Segoe UI",-apple-system,BlinkMacSystemFont,Arial,sans-serif;
  --sans:Poppins,"Segoe UI",-apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;

  --sh-s:0 1px 2px rgba(60,44,26,.05), 0 4px 14px rgba(60,44,26,.06);
  --sh-m:0 2px 4px rgba(60,44,26,.05), 0 14px 34px rgba(60,44,26,.10);
  --sh-l:0 10px 24px rgba(60,44,26,.11), 0 30px 70px rgba(60,44,26,.15);
  --sh-xl:0 24px 50px rgba(60,44,26,.17), 0 60px 120px rgba(60,44,26,.22);

  --pad:44px;
  --maxw:1420px;
  --sec:88px;
  --grain:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='160' height='160'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/></filter><rect width='160' height='160' filter='url(%23n)' opacity='.5'/></svg>");
}

/* ---------- base ---------- */
*{box-sizing:border-box}
/* scroll-padding-top is set from the real header height in site.js */
html{scroll-behavior:smooth;scroll-padding-top:130px}
body{
  margin:0;background:var(--paper);color:var(--text);
  font:400 16.5px/1.6 var(--sans);
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
body.locked{overflow:hidden}
a{color:inherit;text-decoration:none}
img{max-width:100%}
/* geometric sans needs weight, not size, to carry a heading */
h1,h2,h3,h4{margin:0;font-family:var(--display);font-weight:600;letter-spacing:-.022em;line-height:1.16}
p{margin:0}
ul{margin:0;padding:0;list-style:none}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad)}
.skip{
  position:absolute;left:-9999px;top:0;z-index:200;
  background:var(--ink);color:#fff;padding:14px 22px;
  font:600 13px/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;
}
.skip:focus{left:0}

.eyebrow{
  font:600 11.5px/1 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-dk);
  display:flex;align-items:center;gap:12px;
}
.eyebrow::after{content:"";flex:0 0 46px;height:1px;background:linear-gradient(90deg,var(--gold),transparent)}
.eyebrow.center{justify-content:center}
.eyebrow.center::before{content:"";flex:0 0 46px;height:1px;background:linear-gradient(270deg,var(--gold),transparent)}

.sec{padding:var(--sec) 0}
.sec-head{max-width:760px;margin:0 auto 44px;text-align:center}
.sec-head h2{margin:20px 0 0;font-size:46px;text-wrap:balance}
.sec-head p{margin:20px auto 0;max-width:580px;color:var(--muted);font-size:17px;text-wrap:pretty}
.on-ink{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.on-ink::after{content:"";position:absolute;inset:0;opacity:.14;mix-blend-mode:overlay;
  pointer-events:none;background-image:var(--grain)}
.on-ink .wrap{position:relative;z-index:2}
.on-ink .eyebrow{color:var(--gold-lt)}
.on-ink .eyebrow::before,.on-ink .eyebrow::after{background:linear-gradient(90deg,var(--gold-lt),transparent)}
.on-ink .sec-head p{color:#b6ada1}

/* a value the owner still has to supply */
.fill{color:var(--muted-2);border-bottom:1px dotted currentColor;font-style:normal;letter-spacing:.04em}
.on-ink .fill{color:#9d9488}

/* ---------- utility bar ---------- */
.utility{background:var(--ink);color:#b7aea2;font:400 13px/1 var(--sans);
  letter-spacing:.02em;border-bottom:1px solid rgba(224,201,155,.14)}
.utility .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:42px}
.utility .left,.utility .right{display:flex;align-items:center;gap:22px}
.utility .pip{display:flex;align-items:center;gap:9px}
.utility .pip svg{width:13px;height:13px;stroke:var(--gold);fill:none;stroke-width:1.7}
.utility a{transition:color .2s}
.utility a:hover{color:var(--gold-lt)}
.lang{display:flex;align-items:center;gap:8px;font-weight:600;letter-spacing:.1em}
.lang a{opacity:.55}
.lang a.on{opacity:1;color:var(--gold-lt)}

/* ---------- header ---------- */
.site{
  position:sticky;top:0;z-index:60;
  background:rgba(255,255,255,.94);backdrop-filter:blur(14px) saturate(1.4);
  border-bottom:1px solid var(--rule);transition:box-shadow .3s;
}
.site.stuck{box-shadow:0 10px 30px rgba(60,44,26,.10)}
.site .wrap{display:flex;align-items:center;gap:30px;height:118px}
.brand{flex:none;display:block}
.brand img{display:block;height:86px;width:auto}
.nav{margin-left:auto;display:flex;align-items:center;
  font:500 13.5px/1 var(--sans);letter-spacing:.13em;text-transform:uppercase}
.nav a{position:relative;padding:12px 14px;transition:color .22s}
.nav a::after{content:"";position:absolute;left:14px;right:14px;bottom:6px;height:1.5px;
  background:var(--gold);transform:scaleX(0);transform-origin:left;
  transition:transform .28s cubic-bezier(.4,0,.2,1)}
.nav a:hover{color:var(--gold-dk)}
.nav a:hover::after{transform:scaleX(1)}
.social{display:flex;align-items:center;gap:2px;padding-left:12px;border-left:1px solid var(--rule)}
.social a{width:32px;height:32px;display:flex;align-items:center;justify-content:center;
  color:var(--muted);border-radius:50%;transition:color .2s,background .2s,transform .2s}
.social a:hover{color:var(--ink);background:var(--paper-2);transform:translateY(-1px)}
.social svg{width:15px;height:15px;fill:currentColor;display:block}
.nav-toggle{display:none}

/* ---------- contact strip ----------
   Straight from hamwi.ca: every way to reach the office, on a dark band
   directly under the nav. He puts three numbers plus both WhatsApp lines
   above the fold, and his business says he is right to. */
.contactbar{background:var(--ink-2);color:#e8ddcb;
  border-bottom:2px solid var(--gold)}
.contactbar .wrap{display:flex;align-items:center;justify-content:center;
  gap:10px 34px;flex-wrap:wrap;min-height:46px;
  font:500 14px/1 var(--sans);letter-spacing:.01em;padding-top:10px;padding-bottom:10px}
.contactbar a{display:inline-flex;align-items:center;gap:9px;transition:color .2s}
.contactbar a:hover{color:var(--gold-lt)}
.contactbar b{font-weight:600;color:#fff;letter-spacing:.02em}
.contactbar a:hover b{color:var(--gold-lt)}
.contactbar svg{width:15px;height:15px;flex:none;stroke:var(--gold);fill:none;stroke-width:1.8}
.contactbar .wa svg{stroke:var(--wa)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  height:52px;padding:0 28px;border-radius:6px;
  font:600 12.5px/1 var(--sans);letter-spacing:.15em;text-transform:uppercase;
  border:1px solid transparent;cursor:pointer;white-space:nowrap;
  font-family:var(--sans);
  transition:transform .25s cubic-bezier(.4,0,.2,1),box-shadow .25s,background .25s,color .25s,border-color .25s;
}
.btn svg{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:1.8;transition:transform .25s}
.btn:hover svg{transform:translateX(4px)}
.btn-gold{background:linear-gradient(160deg,var(--gold-lt),var(--gold) 46%,var(--gold-dk));
  color:#1a1206;box-shadow:0 8px 22px rgba(192,140,78,.34)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(192,140,78,.42)}
.btn-ghost{border-color:rgba(255,255,255,.34);color:#fff}
.btn-ghost:hover{border-color:var(--gold-lt);color:var(--gold-lt);transform:translateY(-2px)}
.btn-ink{border-color:var(--ink);color:var(--ink)}
.btn-ink:hover{background:var(--ink);color:var(--paper);transform:translateY(-2px)}
.btn-solid{background:var(--ink);color:#fff}
.btn-solid:hover{background:var(--ink-3);transform:translateY(-2px)}
.btn-sm{height:44px;padding:0 20px;font-size:11.5px}
.btn:disabled{opacity:.45;cursor:not-allowed;transform:none}
.btn-quiet{color:var(--muted);border-color:var(--rule)}
.btn-quiet:hover{color:var(--ink);border-color:var(--ink-3)}

/* ---------- hero ---------- */
/* real image: add  style="--slot-img:url('assets/hero.jpg')"  to .hero */
.hero{position:relative;overflow:hidden;background:var(--ink) center/cover no-repeat;color:#fff}
.hero::before{content:"";position:absolute;inset:0;
  background:
    radial-gradient(110% 95% at 18% 0%, rgba(150,118,78,.32), transparent 62%),
    radial-gradient(80% 90% at 88% 82%, rgba(192,140,78,.34), transparent 66%),
    linear-gradient(105deg, rgba(24,19,14,.95) 0%, rgba(24,19,14,.86) 46%, rgba(24,19,14,.60) 100%)}
.hero::after{content:"";position:absolute;inset:0;opacity:.16;mix-blend-mode:overlay;
  background-image:var(--grain)}
.hero .wrap{position:relative;z-index:2;padding-top:80px;padding-bottom:78px}
.hero-inner{max-width:1010px}
.hero .eyebrow{color:var(--gold-lt)}
.hero .eyebrow::after{background:linear-gradient(90deg,var(--gold-lt),transparent)}
.hero h1{margin:24px 0 0;font-size:56px;line-height:1.1;letter-spacing:-.028em;text-wrap:balance}
/* only upright Poppins is bundled, so an <em> would be a synthesised oblique.
   Colour carries the emphasis instead, which is how his own site does it. */
.hero h1 em{font-style:normal;color:var(--gold-lt)}
.hero .lede{margin:22px 0 0;max-width:680px;font-size:18px;line-height:1.6;color:#d5cec4}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}
.hero-note{margin-top:18px;font-size:13.5px;color:#a1968a;display:flex;align-items:center;gap:9px}
.hero-note svg{width:14px;height:14px;stroke:var(--gold-lt);fill:none;stroke-width:1.7}
.has-img 
/* ---------- carrier strip ---------- */
.carriers{border-bottom:1px solid var(--rule);background:var(--paper-2)}
.carriers .wrap{padding-top:46px;padding-bottom:44px;text-align:center}
.carriers .label{display:block;font:600 11px/1 var(--sans);letter-spacing:.2em;
  text-transform:uppercase;color:var(--muted);margin-bottom:30px}
/* max-width is set so eleven marks break six and five rather than nine and two */
.carriers .marks{display:flex;align-items:center;justify-content:center;
  gap:34px 54px;flex-wrap:wrap;max-width:1010px;margin:0 auto}
/* held back so eleven brand palettes do not fight the page, full colour on hover */
.carriers img{
  height:var(--h,28px);width:auto;display:block;
  filter:grayscale(1) contrast(.9);opacity:.72;
  transition:filter .35s,opacity .35s,transform .35s;
}
.carriers img:hover{filter:none;opacity:1;transform:translateY(-3px)}
@media (max-width:900px){
  .carriers .marks{gap:24px 34px}
  .carriers img{height:calc(var(--h,28px) * .82)}
}

/* ---------- super visa band ---------- */
.visa{background:var(--paper-2);border-bottom:1px solid var(--rule)}
.visa .wrap{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:74px;align-items:center;
  padding-top:var(--sec);padding-bottom:var(--sec)}
.visa h2{margin:20px 0 0;font-size:44px;text-wrap:balance}
.visa .lede{margin:22px 0 0;color:var(--muted);font-size:17.5px;max-width:560px}
.visa ul{margin:30px 0 0;display:grid;gap:14px}
.visa li{display:flex;gap:14px;align-items:flex-start;font-size:16px}
.visa li svg{width:19px;height:19px;flex:none;margin-top:3px;stroke:var(--gold);fill:none;stroke-width:1.7}
.visa .actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}
.req{background:var(--paper);border:1px solid var(--rule);border-radius:var(--r);
  box-shadow:var(--sh-m);padding:38px 36px}
.req h3{font-size:23px;margin-bottom:6px}
.req .sub{font-size:13.5px;color:var(--muted-2);margin-bottom:26px}
.req dl{margin:0;display:grid;gap:0}
.req dt{font:600 11px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold-dk);padding-top:18px}
.req dd{margin:8px 0 18px;font-size:16px;border-bottom:1px solid var(--rule);padding-bottom:18px}
.req dd:last-of-type{border-bottom:0;margin-bottom:0}
.req dd b{font-family:var(--display);font-size:26px;font-weight:400;display:block;margin-bottom:2px}
.req .foot{margin-top:22px;font-size:13px;line-height:1.6;color:var(--muted-2)}

/* ---------- coverage ring ---------- */
.ring{padding:var(--sec) 0;position:relative;overflow:hidden}
.ring::before{content:"";position:absolute;left:50%;top:56%;width:1180px;height:780px;
  transform:translate(-50%,-50%);pointer-events:none;
  background:radial-gradient(closest-side, rgba(192,140,78,.10), rgba(192,140,78,.03) 58%, transparent 72%)}
.ring .wrap{position:relative;z-index:2}
.ring-wrap{position:relative;width:100%;margin-top:22px}
/* The stage keeps a fixed 1420 canvas so the pointing geometry stays exact,
   and is scaled down to the column. The origin must be top left: a 1420px box
   inside a narrower column left-aligns, so scaling about its centre would slide
   the whole ring off the right edge. */
/* Absolute, so its unscaled 1420x705 layout box contributes nothing to flow.
   A transform scales what you see but not what the layout reserves, so while it
   sat in normal flow everything after it was pushed down by the full 705px and
   a gap opened under the ring that grew as the window narrowed. The wrapper
   reserves the real, scaled height instead (set in site.js). */
.ring-stage{position:absolute;left:0;top:0;width:1420px;height:760px;
  transform-origin:top left;transform:scale(var(--k,1))}
.ring-hint{margin-top:10px;text-align:center;font-size:13px;color:var(--muted-2);
  letter-spacing:.05em}

.bub{
  position:absolute;left:var(--x);top:var(--y);width:var(--w);height:var(--h);
  border-radius:50%;background:var(--paper);
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;
  text-align:center;padding:0 20px;z-index:4;cursor:pointer;
  box-shadow:0 0 0 1.5px var(--rule) inset, var(--sh-m);
  transition:transform .45s cubic-bezier(.22,.9,.25,1), box-shadow .45s, opacity .35s;
  will-change:transform;
}
/* gold-filled circular icon badge, the motif from his own cards */
.bub .ico{width:52px;height:52px;border-radius:50%;flex:none;
  display:flex;align-items:center;justify-content:center;
  background:var(--gold-pale);color:var(--gold-dk);
  transition:background .35s,color .35s,transform .45s,box-shadow .35s}
.bub .ico svg{width:25px;height:25px;fill:none;stroke:currentColor;stroke-width:1.6;
  stroke-linecap:round;stroke-linejoin:round;display:block}
.bub .label{font:600 13px/1.35 var(--sans);letter-spacing:.14em;text-transform:uppercase;
  color:var(--text);transition:color .35s}
.bub .go{position:absolute;bottom:15%;font:600 11px/1 var(--sans);letter-spacing:.18em;
  text-transform:uppercase;color:var(--gold-dk);opacity:0;transform:translateY(6px);
  transition:opacity .35s,transform .35s}
.bub:hover,.bub:focus-visible,.bub.is-target{
  transform:translateY(-8px) scale(1.045);
  box-shadow:0 0 0 1.5px var(--gold) inset, 0 0 0 9px rgba(192,140,78,.10), var(--sh-l);
  outline:none;
}
.bub:hover .ico,.bub.is-target .ico{
  background:linear-gradient(160deg,var(--gold-lt),var(--gold) 55%,var(--gold-dk));
  color:#fff;transform:translateY(-3px) scale(1.06);
  box-shadow:0 8px 18px rgba(192,140,78,.4)}
.bub:hover .go,.bub.is-target .go{opacity:1;transform:none}
.is-focusing .bub{opacity:.42}
.is-focusing .bub:hover,.is-focusing .bub.is-target{opacity:1}

/* the model */
.figure{position:absolute;left:470px;top:79px;width:400px;height:370px;z-index:3;perspective:1500px}
.figure::before{content:"";position:absolute;left:50%;top:56%;width:520px;height:430px;
  transform:translate(-50%,-50%);z-index:-1;
  background:radial-gradient(closest-side, rgba(255,255,255,.9), rgba(255,255,255,0) 70%)}
.figure-breathe{position:absolute;inset:0;animation:breathe 6.5s ease-in-out infinite}
@keyframes breathe{0%,100%{transform:translateY(0)}50%{transform:translateY(-3px)}}
.figure-turn{position:absolute;inset:0;transform:rotateY(var(--flip,0deg));
  transform-style:preserve-3d;transition:transform .5s cubic-bezier(.4,.05,.2,1)}
.figure-lean{position:absolute;inset:0;transform-origin:200px 370px;
  transform:rotate(var(--lean,0deg));transition:transform .6s cubic-bezier(.34,1.06,.32,1)}
.figure img{position:absolute;left:0;top:0;width:400px;height:370px;display:block;
  user-select:none;-webkit-user-drag:none}
/* the photo is cropped square at his waist; dissolve it rather than show the cut */
.figure .body{-webkit-mask-image:linear-gradient(to bottom,#000 62%,rgba(0,0,0,0) 89%);
              mask-image:linear-gradient(to bottom,#000 62%,rgba(0,0,0,0) 89%)}
.figure .arm{-webkit-mask-image:linear-gradient(to bottom,#000 79%,rgba(0,0,0,0) 96%);
              mask-image:linear-gradient(to bottom,#000 79%,rgba(0,0,0,0) 96%);
  transform-origin:150px 296px;transform:rotate(var(--rot,0deg));
  transition:transform .68s cubic-bezier(.34,1.08,.32,1);will-change:transform}
.tracking .figure-lean{transition:transform .34s cubic-bezier(.33,1,.68,1)}

/* ---------- the pre-rendered arm ----------
   221 baked poses with a hinged wrist, see tools/make-arm-frames.py. The sheet
   is lazy-loaded; until it arrives .arm above rotates in CSS, so the pointing
   works from the first paint and simply gets better. */
/* box and mask stops are set from the frame manifest in site.js: the poses run
   outside the 400x370 body canvas, and a box that size clips them into a hard
   straight edge, which is the very thing these frames exist to avoid */
.arm-frames{position:absolute;display:none}
.frames-ready .arm-frames{display:block}
.frames-ready .arm{display:none}
.arm-frames i{position:absolute;display:block;background-repeat:no-repeat;
  image-rendering:auto;will-change:left,top,width,height}

.aim{position:absolute;inset:0;z-index:3;pointer-events:none;opacity:0;transition:opacity .35s}
.aim.on{opacity:1}
.aim line{stroke:var(--gold);stroke-width:1.6;stroke-linecap:round;stroke-dasharray:1 8;
  animation:flow 9s linear infinite}
.aim circle{fill:var(--gold)}
@keyframes flow{to{stroke-dashoffset:-180}}

/* ---------- coverage drawer ---------- */
.scrim{position:fixed;inset:0;z-index:90;background:rgba(8,13,20,.55);
  backdrop-filter:blur(3px);opacity:0;visibility:hidden;transition:opacity .35s,visibility .35s}
.scrim.open{opacity:1;visibility:visible}
.drawer{
  position:fixed;top:0;right:0;bottom:0;width:min(620px,100%);z-index:95;
  background:var(--paper);box-shadow:var(--sh-xl);
  transform:translateX(102%);transition:transform .46s cubic-bezier(.4,0,.2,1);
  display:flex;flex-direction:column;
}
.drawer.open{transform:none}
.drawer-head{background:var(--ink);color:#fff;padding:32px 40px 28px;position:relative;flex:none}
.drawer-head::after{content:"";position:absolute;left:40px;right:40px;bottom:0;height:2px;
  background:linear-gradient(90deg,var(--gold-lt),var(--gold),transparent)}
.drawer-head .eyebrow{color:var(--gold-lt)}
.drawer-head h2{margin:16px 0 0;font-size:34px}
.drawer-close{position:absolute;top:24px;right:26px;width:42px;height:42px;border:0;
  background:rgba(255,255,255,.08);color:#fff;cursor:pointer;border-radius:50%;
  display:flex;align-items:center;justify-content:center;transition:background .2s,transform .2s}
.drawer-close:hover{background:rgba(255,255,255,.18);transform:rotate(90deg)}
.drawer-close svg{width:17px;height:17px;stroke:currentColor;fill:none;stroke-width:1.8}
.drawer-body{flex:1;overflow-y:auto;padding:36px 40px 30px;overscroll-behavior:contain}
.drawer-foot{flex:none;border-top:1px solid var(--rule);padding:20px 40px;background:var(--paper-2);
  display:flex;gap:12px;align-items:center;flex-wrap:wrap}
.drawer-foot .btn{flex:1 1 auto}

.cover-panel{display:none}
.cover-panel.on{display:block}
.cover-panel .lead{font-size:17.5px;line-height:1.62;color:var(--text)}
.cover-panel h3{font-size:13px;font-family:var(--sans);font-weight:600;letter-spacing:.18em;
  text-transform:uppercase;color:var(--gold-dk);margin:34px 0 14px;
  padding-bottom:10px;border-bottom:1px solid var(--rule)}
.cover-panel ul{display:grid;gap:12px}
/* not flex: a bold run at the start of the sentence would become its own
   column and the rest of the text would sit beside it */
.cover-panel li{position:relative;padding-left:19px;font-size:15.5px;line-height:1.55;color:var(--muted)}
.cover-panel li b{color:var(--text);font-weight:600}
.cover-panel li::before{content:"";position:absolute;left:0;top:9px;width:6px;height:6px;
  border-radius:50%;background:var(--gold);opacity:.75}
.cover-panel .warn li::before{background:var(--bad);opacity:.6}
.cover-panel .note{margin-top:26px;padding:16px 18px;background:var(--paper-2);
  border-left:3px solid var(--gold);border-radius:0 var(--r) var(--r) 0;
  font-size:14px;line-height:1.6;color:var(--muted)}

/* who underwrites this cover. His plan cards carry a carrier ribbon, so the
   underwriter is information he already puts in front of people. */
.by{margin-top:30px;padding:18px 20px;background:var(--paper-2);
  border:1px solid var(--rule);border-radius:var(--r)}
.by span{display:block;font:600 11px/1 var(--sans);letter-spacing:.16em;
  text-transform:uppercase;color:var(--muted-2);margin-bottom:14px}
.by .row{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.by img{height:var(--h,26px);width:auto;filter:grayscale(1);opacity:.7;
  transition:filter .25s,opacity .25s}
.by:hover img{filter:none;opacity:1}

/* without javascript the panels simply stack under the ring, in full */
.no-js-cover{padding-top:20px}
html:not(.js) .cover-panel{display:block;max-width:820px;margin:0 auto 54px;
  padding-bottom:44px;border-bottom:1px solid var(--rule)}
.panel-title{font-size:32px;margin-bottom:18px}
.drawer .panel-title{display:none}

/* ---------- process ---------- */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:60px}
.step{padding:0 42px;border-left:1px solid rgba(255,255,255,.12)}
.step:first-child{border-left:0;padding-left:0}
.step:last-child{padding-right:0}
.step .num{font-family:var(--display);font-size:52px;line-height:1;color:var(--gold);
  display:block;margin-bottom:20px}
.step h3{font-size:23px;margin-bottom:12px}
.step p{color:#b6ada1;font-size:16px}

/* ---------- the three questions ---------- */
.ask-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.ask{position:relative;display:flex;flex-direction:column;gap:16px;
  padding:38px 34px 34px;background:var(--paper);
  border:1px solid var(--rule);border-radius:var(--r);overflow:hidden;
  transition:transform .35s cubic-bezier(.22,.9,.25,1),box-shadow .35s,border-color .35s}
.ask::before{content:"";position:absolute;left:0;top:0;height:3px;width:100%;
  background:linear-gradient(90deg,var(--gold-lt),var(--gold),var(--gold-dk));
  transform:scaleX(0);transform-origin:left;transition:transform .45s cubic-bezier(.4,0,.2,1)}
.ask:hover{transform:translateY(-6px);box-shadow:var(--sh-l);border-color:transparent}
.ask:hover::before{transform:scaleX(1)}
.ask .ico{width:54px;height:54px;flex:none;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  background:var(--gold-pale);color:var(--gold-dk);
  transition:background .35s,color .35s,transform .35s,box-shadow .35s}
.ask .ico svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:1.5;
  stroke-linecap:round;stroke-linejoin:round}
.ask:hover .ico{
  background:linear-gradient(160deg,var(--gold-lt),var(--gold) 55%,var(--gold-dk));
  color:#fff;transform:translateY(-2px) scale(1.05);
  box-shadow:0 8px 18px rgba(192,140,78,.38)}
.ask h3{font-size:26px;line-height:1.2;text-wrap:balance}
.ask p{color:var(--muted);font-size:15.5px}
.ask .go{margin-top:auto;padding-top:10px;display:inline-flex;align-items:center;gap:9px;
  font:600 11.5px/1 var(--sans);letter-spacing:.17em;text-transform:uppercase;color:var(--gold-dk)}
.ask .go svg{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:1.8;transition:transform .3s}
.ask:hover .go svg{transform:translateX(5px)}

/* ---------- referral programme ---------- */
.ref .wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,420px);gap:70px;align-items:start;
  padding-top:var(--sec);padding-bottom:var(--sec)}
.ref h2{margin:20px 0 0;font-size:44px;text-wrap:balance}
.ref .lede{margin:22px 0 0;color:#b6ada1;font-size:17.5px;max-width:600px}
.ref-steps{margin-top:40px;display:grid;gap:0}
.ref-steps li{display:grid;grid-template-columns:44px minmax(0,1fr);gap:20px;padding:22px 0;
  border-top:1px solid rgba(255,255,255,.12)}
.ref-steps li:last-child{border-bottom:1px solid rgba(255,255,255,.12)}
.ref-steps .n{font-family:var(--display);font-size:24px;font-weight:600;
  color:var(--gold);line-height:1.15;letter-spacing:-.02em}
.ref-steps h4{font-size:19px;margin-bottom:6px;color:#fff}
.ref-steps p{color:#a89f93;font-size:15.5px}
.payout{background:rgba(255,255,255,.05);border:1px solid rgba(224,201,155,.22);
  border-radius:var(--r);padding:36px 34px}
.payout .amount{font-family:var(--display);font-size:64px;line-height:1;color:var(--gold-lt)}
.payout .amount small{font-size:20px;letter-spacing:.02em}
.payout .cap{font:600 11px/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;
  color:var(--gold);margin-top:14px;display:block}
.payout dl{margin:28px 0 0;display:grid;gap:0}
.payout dt{font:600 11px/1 var(--sans);letter-spacing:.15em;text-transform:uppercase;
  color:#9d9488;padding-top:16px}
.payout dd{margin:7px 0 16px;font-size:15.5px;color:#efeae2;
  border-bottom:1px solid rgba(255,255,255,.10);padding-bottom:16px}
.payout dd:last-of-type{border-bottom:0;margin-bottom:0}
.payout .btn{width:100%;margin-top:26px}

/* ---------- faq ---------- */
.faq-list{max-width:900px;margin:0 auto;border-top:1px solid var(--rule)}
.faq-list details{border-bottom:1px solid var(--rule)}
.faq-list summary{
  list-style:none;cursor:pointer;padding:26px 54px 26px 0;position:relative;
  font-family:var(--display);font-size:22px;line-height:1.35;transition:color .2s;
}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:hover{color:var(--gold-dk)}
.faq-list summary::after{
  content:"";position:absolute;right:8px;top:34px;width:13px;height:13px;
  border-right:1.6px solid var(--gold);border-bottom:1.6px solid var(--gold);
  transform:rotate(45deg);transition:transform .3s;
}
.faq-list details[open] summary::after{transform:rotate(-135deg);top:38px}
.faq-list .answer{padding:0 60px 30px 0;color:var(--muted);font-size:16.5px;line-height:1.68}
.faq-list .answer p+p{margin-top:14px}

/* ---------- quote ---------- */
.quote{background:var(--paper-2);border-top:1px solid var(--rule)}
.quote .wrap{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:0;
  padding-top:var(--sec);padding-bottom:var(--sec)}
.quote-side{background:var(--ink);color:#fff;padding:56px 48px;position:relative;
  overflow:hidden;border-radius:var(--r) 0 0 var(--r)}
.quote-side::after{content:"";position:absolute;inset:0;opacity:.14;mix-blend-mode:overlay;
  background-image:var(--grain);pointer-events:none}
.quote-side>*{position:relative;z-index:2}
.quote-side .eyebrow{color:var(--gold-lt)}
.quote-side .eyebrow::after{background:linear-gradient(90deg,var(--gold-lt),transparent)}
.quote-side h2{margin:18px 0 0;font-size:38px}
.quote-side p{margin-top:20px;color:#b6ada1;font-size:16px}
.quote-side ul{margin-top:32px;display:grid;gap:16px}
.quote-side li{display:flex;gap:13px;font-size:15.5px;color:#d5cec4;line-height:1.5}
.quote-side li svg{width:17px;height:17px;flex:none;margin-top:3px;stroke:var(--gold);fill:none;stroke-width:1.8}
.quote-side .call{margin-top:38px;padding-top:26px;border-top:1px solid rgba(255,255,255,.13)}
.quote-side .call span{font:600 11px/1 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:#9d9488}
.quote-side .call b{display:block;margin-top:10px;font-family:var(--display);font-size:26px;font-weight:400}
/* the inline EN / FR links were 20px tall, too small to hit with a thumb */
.quote-side .call a{display:inline-block;padding:11px 6px;margin:-4px 0;text-decoration:underline;
  text-underline-offset:3px;text-decoration-color:rgba(227,200,147,.5);transition:color .2s}
.quote-side .call a:hover{color:var(--gold-lt)}
.quote-side .call b a{padding:0;text-decoration:none}

.quote-form{background:var(--paper);padding:52px 48px;box-shadow:var(--sh-m);
  border-radius:0 var(--r) var(--r) 0}
.qsteps{display:flex;align-items:center;gap:0;margin-bottom:38px;min-width:0}
.qstep{display:flex;align-items:center;gap:11px;font:600 11px/1 var(--sans);
  letter-spacing:.14em;text-transform:uppercase;color:var(--muted-2);white-space:nowrap}
.qstep i{width:27px;height:27px;border-radius:50%;border:1.5px solid var(--rule-2);
  display:flex;align-items:center;justify-content:center;font-style:normal;font-size:11.5px;
  transition:background .3s,border-color .3s,color .3s}
.qstep.on{color:var(--ink)}
.qstep.on i{background:var(--gold);border-color:var(--gold);color:#1a1206}
.qstep.done i{background:var(--ink);border-color:var(--ink);color:#fff}
.qsteps .bar{flex:1 1 12px;min-width:8px;height:1px;background:var(--rule-2);margin:0 14px}

.qpane{display:none}
.qpane.on{display:block;animation:qin .38s cubic-bezier(.2,.7,.3,1)}
@keyframes qin{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.qpane h3{font-size:26px;margin-bottom:8px}
.qpane .hint{color:var(--muted);font-size:15px;margin-bottom:26px}

.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip input{position:absolute;opacity:0;width:0;height:0}
.chip span{display:inline-flex;align-items:center;gap:9px;padding:11px 18px;cursor:pointer;
  border:1px solid var(--rule-2);border-radius:999px;font-size:14.5px;
  transition:border-color .2s,background .2s,color .2s,transform .2s}
.chip span::before{content:"";width:14px;height:14px;border-radius:50%;
  border:1.5px solid var(--rule-2);transition:border-color .2s,background .2s,box-shadow .2s}
.chip:hover span{border-color:var(--gold);transform:translateY(-1px)}
.chip input:checked+span{border-color:var(--gold);background:var(--gold-pale);color:var(--gold-dk);font-weight:600}
.chip input:checked+span::before{border-color:var(--gold);background:var(--gold);
  box-shadow:inset 0 0 0 3px var(--gold-pale)}
.chip input:focus-visible+span{outline:2px solid var(--gold);outline-offset:3px}

.field{margin-top:20px}
.field label{display:block;font:600 11.5px/1 var(--sans);letter-spacing:.14em;
  text-transform:uppercase;color:var(--muted);margin-bottom:9px}
.field input,.field select,.field textarea{
  width:100%;height:54px;padding:0 16px;border:1px solid var(--rule-2);background:var(--paper);
  font:400 16px/1.5 var(--sans);color:var(--text);border-radius:6px;
  transition:border-color .2s,box-shadow .2s;
}
.field textarea{height:auto;padding:15px 16px;resize:vertical;min-height:110px}
.field select{appearance:none;cursor:pointer;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235f6a77' stroke-width='1.8'><path d='M6 9l6 6 6-6'/></svg>");
  background-repeat:no-repeat;background-position:right 15px center;background-size:17px;padding-right:44px}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(192,140,78,.16)}
.field .err{display:none;margin-top:7px;font-size:13.5px;color:var(--bad)}
.field.bad input,.field.bad select,.field.bad textarea{border-color:var(--bad)}
.field.bad .err{display:block}
.row-2{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px}
.consent{display:flex;gap:12px;margin-top:24px;font-size:14px;line-height:1.55;color:var(--muted)}
.consent input{width:18px;height:18px;flex:none;margin-top:2px;accent-color:var(--gold)}
.qactions{display:flex;gap:12px;margin-top:32px;align-items:center;flex-wrap:wrap}
.qactions .spacer{flex:1}

.review{border:1px solid var(--rule);border-radius:var(--r);background:var(--paper-2);
  padding:24px 26px;margin-bottom:8px}
.review dl{margin:0;display:grid;grid-template-columns:auto minmax(0,1fr);gap:12px 20px;font-size:15px}
.review dt{font:600 11px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted-2)}
.review dd{margin:0}
.qdone{text-align:center;padding:26px 0}
.qdone .tick{width:64px;height:64px;margin:0 auto 22px;border-radius:50%;background:var(--gold-pale);
  display:flex;align-items:center;justify-content:center}
.qdone .tick svg{width:28px;height:28px;stroke:var(--gold-dk);fill:none;stroke-width:2}
.qdone h3{font-size:30px;margin-bottom:12px}
.qdone p{color:var(--muted);max-width:420px;margin:0 auto}

/* ---------- foot banner ---------- */

/* ---------- footer ---------- */
.site-foot{background:var(--ink);color:#a49a8d;position:relative;overflow:hidden}
.site-foot::after{content:"";position:absolute;inset:0;opacity:.12;mix-blend-mode:overlay;
  pointer-events:none;background-image:var(--grain)}
.site-foot .wrap{position:relative;z-index:2}
.foot-top{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr) minmax(0,1fr) minmax(0,1.2fr);gap:52px;padding:78px 0 62px}
.foot-brand img{height:76px;width:auto;background:var(--paper);padding:12px 18px}
.foot-brand p{margin-top:22px;font-size:15px;line-height:1.7;max-width:340px}
.foot-col h4{margin:0 0 20px;font:600 11px/1 var(--sans);letter-spacing:.2em;
  text-transform:uppercase;color:#fff}
.foot-col ul{display:grid;gap:12px;font-size:15px}
.foot-col a{transition:color .2s}
.foot-col a:hover{color:var(--gold-lt)}
.foot-col .row{display:flex;gap:11px;font-size:15px;line-height:1.5}
.foot-col .row svg{width:15px;height:15px;margin-top:4px;flex:none;stroke:var(--gold);fill:none;stroke-width:1.6}
/* #7b8590 met AA against the old navy but not against the warmer ink */
.foot-bottom{border-top:1px solid rgba(255,255,255,.10);padding:26px 0 34px;
  display:flex;justify-content:space-between;gap:22px;flex-wrap:wrap;font-size:13.5px;color:#9b9186}
.foot-bottom .legal{max-width:820px}

/* ---------- floating WhatsApp ----------
   His site has one, and it earns its place: most of these clients are messaging
   from another time zone where a phone call is awkward and expensive. */
.wa-float{
  position:fixed;right:24px;bottom:24px;z-index:80;
  width:60px;height:60px;border-radius:50%;
  background:var(--wa);color:#fff;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 6px 18px rgba(37,211,102,.42), 0 2px 6px rgba(0,0,0,.18);
  transition:transform .25s cubic-bezier(.34,1.3,.4,1),box-shadow .25s;
}
.wa-float svg{width:31px;height:31px;fill:currentColor;display:block}
.wa-float:hover{transform:scale(1.08);box-shadow:0 10px 26px rgba(37,211,102,.5)}
.wa-float::after{                    /* one slow pulse ring, not a strobe */
  content:"";position:absolute;inset:0;border-radius:50%;
  border:2px solid var(--wa);animation:wa 2.8s ease-out infinite;
}
@keyframes wa{0%{transform:scale(1);opacity:.7}70%,100%{transform:scale(1.55);opacity:0}}
.wa-menu{
  position:fixed;right:24px;bottom:96px;z-index:80;width:236px;
  background:var(--paper);border:1px solid var(--rule);border-radius:var(--r);
  box-shadow:var(--sh-l);overflow:hidden;
  opacity:0;visibility:hidden;transform:translateY(10px) scale(.97);transform-origin:bottom right;
  transition:opacity .24s,visibility .24s,transform .24s cubic-bezier(.34,1.2,.4,1);
}
.wa-menu.open{opacity:1;visibility:visible;transform:none}
.wa-menu .hd{background:var(--wa);color:#fff;padding:13px 16px;
  font:600 12px/1.35 var(--sans);letter-spacing:.06em;text-transform:uppercase}
.wa-menu a{display:block;padding:13px 16px;border-top:1px solid var(--rule);
  font-size:14.5px;transition:background .18s}
.wa-menu a:first-of-type{border-top:0}
.wa-menu a:hover{background:var(--paper-2)}
.wa-menu b{display:block;font-weight:600;font-size:13px;color:var(--muted);margin-top:2px}
@media (max-width:640px){
  .wa-float{right:16px;bottom:16px;width:54px;height:54px}
  .wa-float svg{width:28px;height:28px}
  .wa-menu{right:16px;bottom:82px}
}
@media print{.wa-float,.wa-menu{display:none !important}}

/* ---------- reveal ---------- */
.js .reveal{opacity:0;transform:translateY(26px);
  transition:opacity .8s cubic-bezier(.2,.7,.3,1),transform .8s cubic-bezier(.2,.7,.3,1)}
.js .reveal.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media (max-width:1240px){
  :root{--pad:34px;--sec:88px}
  .hero h1{font-size:50px}
  .visa .wrap{grid-template-columns:minmax(0,1fr);gap:48px}
  .ref .wrap{grid-template-columns:minmax(0,1fr);gap:48px}
  .quote .wrap{grid-template-columns:minmax(0,1fr)}
  .quote-side{padding:44px 38px}
  .quote-form{padding:44px 38px}
}
@media (max-width:1100px){
  .foot-top{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:44px}
  .steps{grid-template-columns:minmax(0,1fr);gap:36px}
  .step{border-left:0;border-top:1px solid rgba(255,255,255,.12);padding:32px 0 0}
  .step:first-child{border-top:0;padding-top:0}
  .ask-grid{grid-template-columns:minmax(0,1fr)}
  }
@media (max-width:900px){
  :root{--sec:72px}
  .site .wrap{height:auto;flex-wrap:wrap;gap:14px;padding-top:16px;padding-bottom:16px}
  .brand img{height:66px}
  .nav{margin-left:0;order:3;width:100%;flex-wrap:wrap;font-size:12px}
  .nav a{padding:9px 14px 9px 0}
  .nav a::after{left:0;right:14px}
  .social{margin-left:auto;padding-left:0;border-left:0}
  .utility .wrap{flex-wrap:wrap;gap:8px 18px;padding-top:9px;padding-bottom:9px}
  .utility .hide-s{display:none}
  .hero .wrap{padding-top:54px;padding-bottom:50px}
  .hero h1{font-size:38px}
  .hero .lede{font-size:17px}
        .carriers .wrap{padding-top:22px;padding-bottom:22px;gap:16px}
  .sec-head h2,.visa h2,.ref h2,.quote-side h2{font-size:31px}
  .faq-list summary{font-size:19px;padding-right:44px}
  .drawer{width:100%}
  .drawer-head,.drawer-body,.drawer-foot{padding-left:26px;padding-right:26px}

  /* no hover on touch: the ring becomes a plain grid and the model steps aside */
  .ring-stage{position:static;width:100%;height:auto;transform:none;display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
  .bub{position:static;width:auto;height:auto;aspect-ratio:1/1;padding:0 14px}
  .bub .go,.ring-hint{display:none}
  .figure,.aim{display:none}
}
@media (max-width:640px){
  :root{--pad:20px}
  /* let long labels wrap rather than set the page width */
  .btn{white-space:normal;height:auto;min-height:52px;padding-top:14px;padding-bottom:14px;
    line-height:1.35;text-align:center}
  /* pack the logo wall tighter so it does not strand one mark on its own row */
  .carriers .marks{gap:18px 24px}
  .carriers img{height:calc(var(--h,28px) * .72)}
  /* tracked capitals read smaller than their size; lift the floor on a phone */
  .carriers .label,.eyebrow,.payout .cap,.foot-col h4{font-size:11.5px}
  .cta,.ask .go{font-size:12px}
  /* the step words do not fit beside three circles on a phone; the numbers
     and the current pane heading say the same thing */
  .qstep{font-size:0;gap:0}
  .qstep i{font-size:11.5px}
  .qsteps .bar{margin:0 10px}
  .hero h1{font-size:31px}
  .ring-stage{grid-template-columns:minmax(0,1fr)}
  .bub{aspect-ratio:2.6/1;border-radius:120px;flex-direction:row;gap:14px}
  .foot-top{grid-template-columns:minmax(0,1fr);gap:34px;padding-top:52px}
  .row-2{grid-template-columns:minmax(0,1fr)}
  .quote-side,.quote-form{padding:34px 24px}
  .req{padding:30px 24px}
  .payout{padding:28px 24px}
  .payout .amount{font-size:52px}
  .ask{padding:30px 24px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;
    transition-duration:.001ms !important}
  .js .reveal{opacity:1;transform:none}
}

/* ---------- print ---------- */
@media print{
  .utility,.site,.social,.hero-actions,.aim,.figure,.scrim,.drawer,.quote,.ring-hint{display:none !important}
  body{background:#fff;color:#000;font-size:11pt}
  .on-ink,.hero,.site-foot{background:#fff !important;color:#000 !important}
  .on-ink::after,.hero::before,.hero::after,.site-foot::after{display:none}
  .hero h1{font-size:24pt;color:#000}
  .hero .lede,.step p,.ref .lede{color:#333 !important}
  .sec{padding:18pt 0}
  .no-js-cover{display:block !important}
  .cover-panel{display:block !important;page-break-inside:avoid;margin-bottom:14pt}
  a[href^="http"]::after{content:" (" attr(href) ")";font-size:9pt;color:#555}
}