/* =============================================================
   ETHEREAL ASSURANCE — SHARED DESIGN SYSTEM
   Loaded by every page: tokens, type, navbar, sections, footer.
   Palette from the logo (navy + cyan); Fraunces display, Inter text.
   ============================================================= */

:root {
  --ink: #0F1733;
  --navy: #1E2A5D;
  --navy-deep: #141C42;
  --cyan: #10B7DC;
  --accent: #0A7EA4;
  --paper: #FAFAF8;
  --surface: #FFFFFF;
  --tint: #F2F3F6;
  --text: #4A5068;
  --muted: #7C8195;
  --line: rgba(15, 23, 51, .1);
  --line-strong: rgba(15, 23, 51, .18);
  --serif: 'Fraunces', Georgia, 'Times New Roman', serif;
  --sans: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --ease: cubic-bezier(.16, 1, .3, 1);
  --radius: 6px;
  --nav-h: 78px;
  --wrap: 1240px;
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans); font-size: 16px; line-height: 1.7; color: var(--text); background: var(--paper);
  -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; text-rendering: optimizeLegibility;
  font-feature-settings: 'kern', 'liga', 'calt'; overflow-x: hidden;
}
img, video { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button, input, textarea, select { font: inherit; color: inherit; }
::selection { background: var(--ink); color: #fff; }
:focus-visible { outline: 2px solid var(--cyan); outline-offset: 3px; }
p { text-wrap: pretty; }
p + p { margin-top: 1.1rem; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

.wrap, .container { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: clamp(1.25rem, 4vw, 2.5rem); }
section[id] { scroll-margin-top: calc(var(--nav-h) + .5rem); }

/* ---------- type ---------- */
.display, .h2, .h3, h1, h2 {
  font-family: var(--serif); font-weight: 400; color: var(--ink); letter-spacing: -.018em; line-height: 1.08; text-wrap: balance;
  font-optical-sizing: auto;
}
.display { font-size: clamp(2.8rem, 6.4vw, 5.6rem); line-height: 1.02; letter-spacing: -.026em; font-variation-settings: 'opsz' 144; }
.h1 { font-size: clamp(2.6rem, 5.4vw, 4.6rem); line-height: 1.04; letter-spacing: -.024em; }
.h2 { font-size: clamp(2rem, 3.6vw, 3.2rem); }
.h3 { font-size: clamp(1.5rem, 2.3vw, 2.05rem); line-height: 1.15; }
h3, h4 { font-family: var(--sans); font-weight: 600; color: var(--ink); line-height: 1.35; text-wrap: balance; }
em, .accent { font-family: var(--serif); font-style: italic; }
.display em, .h1 em { color: var(--cyan); }
.kicker {
  display: inline-flex; align-items: center; gap: .85rem; margin-bottom: 1.4rem;
  font-family: var(--sans); font-size: .74rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--accent);
}
.kicker::before { content: ''; width: 32px; height: 1px; background: currentColor; transition: width 1.2s var(--ease) .35s; }
.reveal .kicker::before, .reveal.kicker::before { width: 0; }
.reveal.in .kicker::before, .reveal.in.kicker::before { width: 32px; }
.kicker.light { color: var(--cyan); }
.lede { font-size: 1.15rem; line-height: 1.65; color: var(--ink); }
.label { font-size: .74rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--accent); }
.num { font-family: var(--serif); font-style: italic; font-size: 1.05rem; color: var(--accent); font-variant-numeric: tabular-nums; }

/* ---------- buttons & links ---------- */
.actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 2.4rem; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .7rem; padding: 1rem 1.65rem;
  border-radius: 4px; border: 1px solid transparent; font-family: var(--sans); font-size: .9rem; font-weight: 600; letter-spacing: .015em;
  line-height: 1.2; cursor: pointer; white-space: nowrap;
  transition: background-color .3s var(--ease), color .3s var(--ease), border-color .3s var(--ease);
}
.btn i { font-size: .78em; transition: transform .35s var(--ease); }
.btn:hover i { transform: translateX(4px); }
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: var(--accent); }
.btn-ghost, .btn-outline { border-color: var(--line-strong); color: var(--ink); }
.btn-ghost:hover, .btn-outline:hover { border-color: var(--ink); }
.btn-light { background: #fff; color: var(--ink); }
.btn-light:hover { background: #E3F5FA; }
.btn-outline-light { border-color: rgba(255, 255, 255, .32); color: #fff; }
.btn-outline-light:hover { border-color: #fff; background: rgba(255, 255, 255, .06); }
.link {
  display: inline-flex; align-items: center; gap: .55rem; padding-bottom: .2rem; border-bottom: 1px solid currentColor;
  font-size: .9rem; font-weight: 600; color: var(--ink); transition: color .25s, gap .3s var(--ease);
}
.link:hover { color: var(--accent); gap: .8rem; }
.link i { font-size: .75em; }

/* =============================================================
   NAVBAR
   ============================================================= */
.navbar {
  position: fixed; left: 0; right: 0; top: 0; z-index: 1000; height: var(--nav-h);
  background: rgba(250, 250, 248, .9); backdrop-filter: saturate(1.6) blur(16px); -webkit-backdrop-filter: saturate(1.6) blur(16px);
  border-bottom: 1px solid var(--line);
  transition: background-color .4s var(--ease), border-color .4s var(--ease), height .35s var(--ease), box-shadow .4s var(--ease);
}
.navbar > .container, .navbar > .wrap { height: 100%; display: flex; align-items: center; gap: 2rem; }
.logo { display: inline-flex; align-items: center; gap: .75rem; margin-right: auto; color: var(--ink); font-family: var(--sans); font-size: 1.12rem; font-weight: 600; letter-spacing: -.01em; flex-shrink: 0; }
.logo img { height: 40px; width: auto; transition: filter .4s var(--ease); }
.nav-links { display: flex; align-items: center; gap: 2.1rem; }
.nav-links a { position: relative; font-size: .9rem; font-weight: 500; color: var(--text); transition: color .25s; }
.nav-links a:not(.nav-cta)::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: -.4rem; height: 1px; background: currentColor;
  transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease);
}
.nav-links a:hover, .nav-links a.active { color: var(--ink); }
.nav-links a:hover::after, .nav-links a.active::after { transform: scaleX(1); }
.nav-cta { padding: .7rem 1.25rem; border-radius: 4px; background: var(--ink); color: #fff !important; font-weight: 600 !important; transition: background-color .3s var(--ease) !important; }
.nav-cta:hover, .nav-cta.active { background: var(--accent); }
.hamburger { display: none; position: relative; z-index: 2; width: 44px; height: 44px; margin-right: -.6rem; border: 0; background: none; cursor: pointer; -webkit-tap-highlight-color: transparent; }
.hamburger span { position: absolute; left: 11px; right: 11px; height: 1.5px; background: var(--ink); transition: transform .45s var(--ease), top .45s var(--ease), opacity .3s, background-color .3s; }
.hamburger span:nth-child(1) { top: 16px; }
.hamburger span:nth-child(2) { top: 21.5px; opacity: 0; }
.hamburger span:nth-child(3) { top: 27px; }
.nav-progress {
  position: absolute; left: 0; right: 0; bottom: -1px; height: 2px; pointer-events: none;
  background: linear-gradient(90deg, var(--cyan), var(--accent)); transform-origin: left center; transform: scaleX(var(--progress, 0));
  opacity: 0; transition: opacity .4s;
}
.navbar.scrolled { height: 66px; box-shadow: 0 1px 0 var(--line), 0 12px 40px -30px rgba(15, 23, 51, .35); }
.navbar.scrolled .nav-progress { opacity: 1; }

/* over a dark photo/video hero: transparent with light text */
.dark-hero .navbar:not(.scrolled) { background: transparent; border-color: rgba(255, 255, 255, .14); backdrop-filter: none; -webkit-backdrop-filter: none; }
.dark-hero .navbar:not(.scrolled) .logo { color: #fff; }
.dark-hero .navbar:not(.scrolled) .logo img { filter: brightness(0) invert(1); }
.dark-hero .navbar:not(.scrolled) .nav-links a { color: rgba(255, 255, 255, .78); }
.dark-hero .navbar:not(.scrolled) .nav-links a:hover, .dark-hero .navbar:not(.scrolled) .nav-links a.active { color: #fff; }
.dark-hero .navbar:not(.scrolled) .nav-cta { background: #fff; color: var(--ink) !important; }
.dark-hero .navbar:not(.scrolled) .nav-cta:hover { background: #E3F5FA; }
.dark-hero .navbar:not(.scrolled) .hamburger span { background: #fff; }

@media (max-width: 960px) {
  :root { --nav-h: 68px; }
  .navbar.scrolled { height: var(--nav-h); }
  .hamburger { display: block; }
  .logo img { height: 34px; }
  .nav-links {
    position: fixed; inset: 0; z-index: 1; flex-direction: column; align-items: flex-start; justify-content: center; gap: .3rem;
    padding: calc(var(--nav-h) + 2rem) clamp(1.5rem, 8vw, 3rem) 3rem; background: var(--ink);
    opacity: 0; visibility: hidden; transition: opacity .45s var(--ease), visibility 0s linear .45s;
  }
  .nav-links a {
    font-family: var(--serif); font-size: clamp(1.9rem, 8vw, 2.6rem); font-weight: 400; letter-spacing: -.01em; padding: .25rem 0;
    color: rgba(255, 255, 255, .72) !important; transform: translateY(14px); opacity: 0;
    transition: transform .6s var(--ease), opacity .6s var(--ease), color .25s;
  }
  .nav-links a::after { display: none; }
  .nav-links a:hover, .nav-links a.active { color: #fff !important; }
  .nav-links .nav-cta { margin-top: 1.6rem; font-family: var(--sans); font-size: 1rem; padding: 1rem 1.6rem; background: #fff !important; color: var(--ink) !important; }
  .navbar.menu-open .nav-links { opacity: 1; visibility: visible; transition: opacity .45s var(--ease); }
  .navbar.menu-open .nav-links a { transform: none; opacity: 1; }
  .navbar.menu-open .nav-links a:nth-child(2) { transition-delay: .05s; }
  .navbar.menu-open .nav-links a:nth-child(3) { transition-delay: .1s; }
  .navbar.menu-open .nav-links a:nth-child(4) { transition-delay: .15s; }
  .navbar.menu-open .nav-links a:nth-child(5) { transition-delay: .2s; }
  .navbar.menu-open { background: transparent !important; border-color: transparent !important; backdrop-filter: none; -webkit-backdrop-filter: none; box-shadow: none; }
  .navbar.menu-open .logo { position: relative; z-index: 2; color: #fff; }
  .navbar.menu-open .logo img { filter: brightness(0) invert(1); }
  .navbar.menu-open .hamburger span { background: #fff; }
  .navbar.menu-open .hamburger span:nth-child(1) { top: 21.5px; transform: rotate(45deg); }
  .navbar.menu-open .hamburger span:nth-child(3) { top: 21.5px; transform: rotate(-45deg); }
  .navbar.menu-open .nav-progress { opacity: 0; }
}

/* =============================================================
   HEROES
   ============================================================= */
/* full-screen photo / video hero */
.hero {
  position: relative; isolation: isolate; overflow: hidden; display: flex; flex-direction: column;
  min-height: clamp(640px, 100svh, 960px); background: var(--ink); color: #fff;
}
.hero.short { min-height: clamp(560px, 82svh, 820px); }
.hero-media { position: absolute; inset: 0; z-index: -2; }
.hero-media img, .hero-media video { width: 100%; height: 100%; object-fit: cover; animation: settle 2.4s var(--ease) both; }
@keyframes settle { from { transform: scale(1.08); } to { transform: scale(1); } }
.hero-shade {
  position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(90deg, rgba(15, 23, 51, .94) 0%, rgba(15, 23, 51, .8) 38%, rgba(15, 23, 51, .32) 74%, rgba(15, 23, 51, .18) 100%),
    linear-gradient(0deg, rgba(15, 23, 51, .7) 0%, transparent 34%);
}
.hero::after {
  content: ''; position: absolute; inset: 0; z-index: -1; pointer-events: none; opacity: .5; mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 1 0 0 0 0 1 0 0 0 0 1 0 0 0 .09 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
.hero-inner { flex: 1; display: flex; align-items: center; padding-top: calc(var(--nav-h) + 4rem); padding-bottom: 4rem; }
.hero-copy { max-width: 46rem; }
.hero-copy > * { animation: rise 1.3s var(--ease) both; }
.hero-copy > :nth-child(1) { animation-delay: .15s; }
.hero-copy > :nth-child(2) { animation-delay: .25s; }
.hero-copy > :nth-child(3) { animation-delay: .4s; }
.hero-copy > :nth-child(4) { animation-delay: .52s; }
@keyframes rise { from { opacity: 0; transform: translateY(24px); } }
.hero .display, .hero .h1 { color: #fff; }
.hero-sub { margin-top: 1.5rem; max-width: 36rem; font-size: 1.12rem; line-height: 1.7; color: rgba(255, 255, 255, .76); }
.hero-foot { border-top: 1px solid rgba(255, 255, 255, .14); }
.hero-foot-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem 2.5rem; flex-wrap: wrap; padding-block: 1.3rem; font-size: .88rem; color: rgba(255, 255, 255, .72); }
.hero-cities { display: flex; flex-wrap: wrap; align-items: center; gap: .4rem 1.4rem; }
.hero-cities strong { margin-right: .4rem; font-size: .72rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--cyan); }
.hero-cities a { transition: color .25s; }
.hero-cities a:hover { color: #fff; }
.scroll-cue {
  position: relative; flex-shrink: 0; margin-left: auto; width: 46px; height: 46px; border-radius: 50%; overflow: hidden; cursor: pointer;
  border: 1px solid rgba(255, 255, 255, .28); background: transparent; transition: border-color .3s, background-color .3s;
}
.scroll-cue:hover { border-color: #fff; background: rgba(255, 255, 255, .06); }
.scroll-cue span { position: absolute; left: 50%; top: 13px; width: 1px; height: 18px; background: #fff; animation: cue 2.2s var(--ease) infinite; }
@keyframes cue { 0% { transform: translateY(-22px); } 55% { transform: translateY(0); } 100% { transform: translateY(24px); } }

/* light editorial page hero (inner pages) */
.page-hero { padding: calc(var(--nav-h) + clamp(4rem, 9vw, 7rem)) 0 clamp(3.5rem, 7vw, 5.5rem); background: var(--paper); border-bottom: 1px solid var(--line); }
.page-hero-grid { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: clamp(1.5rem, 6vw, 6rem); align-items: end; }
.page-hero p { max-width: 32rem; font-size: 1.1rem; line-height: 1.7; }
.page-hero .h1 em { color: var(--accent); }

/* =============================================================
   SECTIONS
   ============================================================= */
.sec { padding-block: clamp(5rem, 10vw, 8.5rem); }
.sec.white { background: var(--surface); }
.sec.tint { background: var(--tint); }
.sec.tight { padding-block: clamp(3.5rem, 7vw, 5.5rem); }
.head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(1.5rem, 6vw, 6rem); align-items: end; margin-bottom: clamp(3rem, 6vw, 4.75rem); }
.head p { max-width: 34rem; font-size: 1.05rem; }
.rule-title { display: flex; align-items: center; gap: 1.25rem; margin-bottom: 1.5rem; font-family: var(--sans); font-size: .76rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--ink); }
.rule-title::after { content: ''; flex: 1; height: 1px; background: var(--line-strong); }

/* split: media + copy */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); gap: clamp(2.5rem, 7vw, 7rem); align-items: center; }
.split.flip > :first-child { order: 2; }
.media { position: relative; isolation: isolate; }
.media img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: var(--radius); }
.media.wide img { aspect-ratio: 4 / 3; }
.media::after { content: ''; position: absolute; inset: 1.5rem -1.5rem -1.5rem 1.5rem; z-index: -1; border: 1px solid var(--line-strong); border-radius: var(--radius); }
.split.flip .media::after { inset: 1.5rem 1.5rem -1.5rem -1.5rem; }
.copy .h2 { margin-bottom: 1.4rem; }
.copy .lede { margin-bottom: 1.1rem; }

/* tick list (two columns, ruled) */
.ticks { display: grid; grid-template-columns: 1fr 1fr; column-gap: 2rem; margin: 2rem 0 2.4rem; border-top: 1px solid var(--line-strong); }
.ticks li { display: flex; align-items: baseline; gap: .8rem; padding: 1rem 0; border-bottom: 1px solid var(--line); font-size: .96rem; color: var(--ink); }
.ticks li::before { content: ''; flex-shrink: 0; width: 10px; height: 1px; background: var(--accent); transform: translateY(-.3rem); }

/* navy band with logo watermark */
.band { position: relative; overflow: hidden; padding-block: clamp(4.5rem, 9vw, 7rem); background: var(--navy-deep); color: rgba(255, 255, 255, .74); }
.band::after {
  content: ''; position: absolute; right: -2%; top: 50%; width: min(34vw, 380px); aspect-ratio: 1 / 2; transform: translateY(-50%);
  background: url('/images/web/logo-mark.png') center / contain no-repeat; filter: brightness(0) invert(1); opacity: .05; pointer-events: none;
}
.band-inner { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 2rem 4rem; flex-wrap: wrap; }
.band .h2 { color: #fff; max-width: 22ch; }

/* ruled grid (values, offerings, contact) */
.ruled { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: 1px solid var(--line-strong); border-left: 1px solid var(--line); }
.ruled.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.ruled > * { padding: 2.25rem clamp(1.4rem, 2.5vw, 2.25rem) 2.5rem; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); transition: background-color .4s var(--ease); }
.ruled > *:hover { background: var(--surface); }
.sec.white .ruled > *:hover { background: var(--paper); }
.ruled i { display: block; font-size: 1.05rem; color: var(--accent); margin-bottom: 1.4rem; }
.ruled .num { display: block; margin-bottom: 1.25rem; }
.ruled h3 { font-size: 1.08rem; margin-bottom: .5rem; }
.ruled p { font-size: .95rem; }

/* editorial statement between rules */
.statement { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.6fr); gap: 1.5rem clamp(2rem, 5vw, 5rem); padding: clamp(2.5rem, 5vw, 3.75rem) 0; border-top: 1px solid var(--ink); border-bottom: 1px solid var(--line-strong); }
.statement > div > p:first-child { font-family: var(--serif); font-size: clamp(1.3rem, 2vw, 1.65rem); line-height: 1.42; color: var(--ink); letter-spacing: -.01em; }

/* =============================================================
   PEOPLE
   ============================================================= */
.people { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(2rem, 4vw, 3.5rem) clamp(1.5rem, 3vw, 2.5rem); }
.people.two { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 52rem; }
.person { display: flex; flex-direction: column; }
.person-photo { position: relative; overflow: hidden; border-radius: var(--radius); background: #E8EAEF; aspect-ratio: 4 / 5; margin-bottom: 1.5rem; }
.person-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 20%; filter: grayscale(.25); transition: transform 1.4s var(--ease), filter .8s var(--ease); }
.person:hover .person-photo img { filter: grayscale(0); }
.person .role { margin-bottom: .55rem; }
.person-name { font-family: var(--serif); font-size: 1.6rem; line-height: 1.15; color: var(--ink); letter-spacing: -.01em; }
.person-meta { margin-top: .35rem; font-size: .86rem; color: var(--muted); }
.person-quote { margin-top: 1.25rem; padding-left: 1rem; border-left: 1px solid var(--accent); font-family: var(--serif); font-style: italic; font-size: 1.08rem; line-height: 1.5; color: var(--ink); }
.person-bio { margin-top: 1rem; font-size: .95rem; }
.person-social { display: flex; gap: .5rem; margin-top: 1.25rem; }
.person-social a { width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; border: 1px solid var(--line-strong); font-size: .82rem; color: var(--ink); transition: background-color .3s, color .3s, border-color .3s; }
.person-social a:hover { background: var(--ink); color: #fff; border-color: var(--ink); }

/* leadership: the first two leaders lead with larger cards */
.leaders-top { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(2rem, 4vw, 3.5rem); margin-bottom: clamp(3rem, 6vw, 4.5rem); }
.leaders-top .person { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1fr); gap: 1.75rem; align-items: start; }
.leaders-top .person-photo { margin-bottom: 0; }
.leaders-top .person-name { font-size: 1.9rem; }

/* spotlight (team page director) */
.spotlight .person-name { font-size: clamp(2.4rem, 4.5vw, 3.6rem); }
.spotlight .person-quote { font-size: clamp(1.25rem, 2vw, 1.6rem); padding-left: 1.4rem; margin-top: 1.8rem; }
.spotlight .person-bio { font-size: 1.02rem; max-width: 36rem; }

/* =============================================================
   BRANCHES
   ============================================================= */
.branches { display: grid; gap: clamp(4rem, 9vw, 7.5rem); }
.branch { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); gap: clamp(2rem, 6vw, 6rem); align-items: center; }
.branch:nth-child(even) > :first-child { order: 2; }
.branch-media { display: block; overflow: hidden; border-radius: var(--radius); background: #E8EAEF; aspect-ratio: 16 / 11; }
.branch-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.4s var(--ease); }
.branch-media:hover img { transform: scale(1.04); }
.branch-tag { display: flex; align-items: center; gap: 1rem; margin-bottom: 1.1rem; }
.branch-tag .num { font-size: 1.15rem; }
.branch .h3 a { background: linear-gradient(currentColor, currentColor) 0 100% / 0 1px no-repeat; transition: background-size .5s var(--ease), color .3s; }
.branch .h3 a:hover { background-size: 100% 1px; color: var(--accent); }
.branch-place { display: inline-flex; align-items: center; gap: .5rem; margin-top: .6rem; font-size: .88rem; color: var(--muted); }
.branch-place i { color: var(--accent); font-size: .8rem; }
.branch-address { margin-top: 1.4rem; font-size: .95rem; color: var(--ink); }
.branch-desc { margin-top: .9rem; font-size: .97rem; }
.branch-facts { margin: 1.6rem 0 1.9rem; border-top: 1px solid var(--line-strong); }
.branch-facts li { display: flex; align-items: baseline; gap: .9rem; padding: .7rem 0; border-bottom: 1px solid var(--line); font-size: .92rem; color: var(--ink); word-break: break-word; }
.branch-facts i { width: 1rem; flex-shrink: 0; font-size: .8rem; color: var(--accent); text-align: center; }
.branch-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1.25rem 2rem; }

/* =============================================================
   CONTACT DETAILS & FORM
   ============================================================= */
.contact-ruled > * { padding-block: 2.5rem 2.75rem; }
.contact-ruled .big { display: block; margin-top: .6rem; font-family: var(--serif); font-size: clamp(1.25rem, 1.8vw, 1.55rem); line-height: 1.35; color: var(--ink); word-break: break-word; }
.contact-ruled a.big { background: linear-gradient(currentColor, currentColor) 0 100% / 0 1px no-repeat; transition: background-size .5s var(--ease), color .3s; }
.contact-ruled a.big:hover { background-size: 100% 1px; color: var(--accent); }

.form-split { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(2.5rem, 6vw, 6rem); align-items: start; }
.form-panel { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.75rem, 3.5vw, 3rem); box-shadow: 0 40px 80px -60px rgba(15, 23, 51, .45); }
.form-group { display: flex; flex-direction: column; margin-bottom: 1.3rem; }
.form-group label { margin-bottom: .5rem; font-size: .8rem; font-weight: 600; letter-spacing: .02em; color: var(--ink); }
.form-group input, .form-group textarea {
  width: 100%; padding: .9rem 1rem; font-size: .97rem; color: var(--ink); background: var(--paper);
  border: 1px solid var(--line-strong); border-radius: 4px; transition: border-color .25s, background-color .25s, box-shadow .25s;
}
.form-group textarea { resize: vertical; min-height: 130px; line-height: 1.6; }
.form-group input:hover, .form-group textarea:hover { border-color: rgba(15, 23, 51, .32); }
.form-group input:focus, .form-group textarea:focus { outline: none; background: #fff; border-color: var(--accent); box-shadow: 0 0 0 4px rgba(16, 183, 220, .16); }
.submit-btn { margin-top: .5rem; width: 100%; border: 0; }
.success-msg { margin-top: 1.1rem; font-size: .93rem; }

/* =============================================================
   FOOTER
   ============================================================= */
.site-footer { background: var(--ink); color: rgba(255, 255, 255, .62); padding: clamp(4rem, 8vw, 6rem) 0 2rem; font-size: .93rem; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.5fr) repeat(3, minmax(0, 1fr)); gap: 2.5rem clamp(2rem, 4vw, 3.5rem); }
.footer-brand .logo { color: #fff; }
.footer-brand .logo img { filter: brightness(0) invert(1); }
.footer-brand p { margin-top: 1.4rem; max-width: 22rem; font-family: var(--serif); font-style: italic; font-size: 1.1rem; line-height: 1.5; color: rgba(255, 255, 255, .78); }
.social-row { display: flex; gap: .55rem; margin-top: 1.75rem; }
.social-row a { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; border: 1px solid rgba(255, 255, 255, .18); color: #fff; font-size: .9rem; transition: background-color .3s, border-color .3s; }
.social-row a:hover { background: rgba(255, 255, 255, .1); border-color: rgba(255, 255, 255, .45); }
.footer-col h4 { margin-bottom: 1.3rem; font-size: .74rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: #fff; }
.footer-col a { display: flex; align-items: center; gap: .6rem; padding: .3rem 0; line-height: 1.55; transition: color .25s; }
.footer-col a:hover { color: #fff; }
.footer-col a i { width: 14px; font-size: .78rem; color: var(--cyan); }
.footer-mark {
  margin-top: clamp(3rem, 7vw, 5rem); font-family: var(--serif); font-weight: 400; white-space: nowrap; overflow: hidden;
  font-size: clamp(2.6rem, 10.4vw, 9.6rem); line-height: .95; letter-spacing: -.035em; user-select: none;
  background: linear-gradient(180deg, rgba(255, 255, 255, .16) 0%, rgba(255, 255, 255, .02) 90%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.footer-bottom { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-top: 1.5rem; padding-top: 1.75rem; border-top: 1px solid rgba(255, 255, 255, .1); font-size: .84rem; color: rgba(255, 255, 255, .45); }
.legal-links { display: flex; align-items: center; gap: .7rem; }
.legal-links a { transition: color .25s; }
.legal-links a:hover { color: #fff; }
.legal-links span { color: rgba(255, 255, 255, .25); }

/* =============================================================
   MOTION
   ============================================================= */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity 1.1s var(--ease), transform 1.1s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.unveil img { clip-path: inset(100% 0 0 0); transform: scale(1.14); transition: clip-path 1.5s var(--ease), transform 2s var(--ease), filter .8s var(--ease); }
.unveil.in img, .reveal.in .unveil img { clip-path: inset(0 0 0 0); transform: scale(1); }
.branch-media.unveil.in:hover img { transform: scale(1.04); transition: transform 1.4s var(--ease); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .unveil img { clip-path: none; transform: none; transition: none; }
  .hero-media img, .hero-media video, .hero-copy > * { animation: none; }
  .scroll-cue span { animation: none; }
}

/* =============================================================
   RESPONSIVE
   ============================================================= */
@media (max-width: 1100px) {
  .ruled.four { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .leaders-top .person { grid-template-columns: minmax(0, 1fr); }
  .leaders-top .person-photo { aspect-ratio: 4 / 4.2; }
}
@media (max-width: 960px) {
  .head, .page-hero-grid, .split, .branch, .form-split, .statement { grid-template-columns: minmax(0, 1fr); }
  .head, .page-hero-grid { align-items: start; }
  .split.flip > :first-child, .branch:nth-child(even) > :first-child { order: 0; }
  .media img { aspect-ratio: 16 / 11; }
  .media::after, .split.flip .media::after { inset: 1rem -1rem -1rem 1rem; }
  .ruled { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .people { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-brand { grid-column: 1 / -1; }
  .band::after { opacity: .035; }
}
@media (max-width: 640px) {
  body { font-size: 15.5px; }
  .hero { min-height: max(600px, 100svh); }
  .hero.short { min-height: max(540px, 86svh); }
  .hero-inner { align-items: flex-end; padding-bottom: 2.5rem; }
  .hero-shade { background: linear-gradient(0deg, rgba(15, 23, 51, .96) 0%, rgba(15, 23, 51, .78) 55%, rgba(15, 23, 51, .38) 100%); }
  .actions { flex-direction: column; align-items: stretch; }
  .actions .btn, .band .btn { width: 100%; }
  .hero-cities { gap: .3rem 1rem; }
  .ticks { grid-template-columns: minmax(0, 1fr); }
  .ruled, .ruled.four, .people, .people.two, .leaders-top { grid-template-columns: minmax(0, 1fr); }
  .media::after { display: none; }
  .footer-grid { grid-template-columns: minmax(0, 1fr); }
  .band-inner { flex-direction: column; align-items: stretch; }
}
.logo-text span { color: var(--accent); }
.dark-hero .navbar:not(.scrolled) .logo-text span, .navbar.menu-open .logo-text span, .footer-brand .logo-text span { color: var(--cyan); }

/* ---------- refinements ---------- */
/* long emails wrap at sensible points instead of mid-word */
.contact-ruled .big { word-break: normal; overflow-wrap: anywhere; font-size: clamp(1.1rem, 1.5vw, 1.35rem); }
/* quotes use the calmer small-size cut of the italic (no "wonky" letterforms) */
.person-quote, .footer-brand p { font-variation-settings: 'opsz' 12; }
/* the spotlight portrait is a smaller source photo — keep it at a crisp size */
.spotlight .split { grid-template-columns: minmax(0, .7fr) minmax(0, 1.2fr); }
.spotlight .media { max-width: 440px; }
@media (max-width: 960px) { .spotlight .split { grid-template-columns: minmax(0, 1fr); } }

/* ---------- service: locations list ---------- */
.ruled.no-top { border-top: 0; }
.sec-foot { margin-top: 2.25rem; }
.reach { border-top: 1px solid var(--ink); }
.reach-item {
  display: grid; grid-template-columns: 3.5rem minmax(0, 1fr) minmax(0, 1fr) auto; align-items: center; gap: 1rem;
  padding: 1.6rem .25rem; border-bottom: 1px solid var(--line-strong); color: var(--ink);
  transition: padding .45s var(--ease), background-color .45s var(--ease);
}
.reach-name { font-family: var(--serif); font-size: clamp(1.25rem, 2.2vw, 1.75rem); letter-spacing: -.01em; line-height: 1.2; }
.reach-place { color: var(--muted); font-size: .95rem; }
.reach-item i { font-size: .8rem; color: var(--accent); transition: transform .45s var(--ease); }
.reach-item:hover { background: var(--surface); padding-inline: 1.25rem; }
.reach-item:hover i { transform: translateX(4px); }
@media (max-width: 640px) {
  .reach-item { grid-template-columns: 2.5rem minmax(0, 1fr) auto; }
  .reach-place { grid-column: 2; grid-row: 2; margin-top: -.6rem; }
  .reach-item i { grid-row: 1 / span 2; grid-column: 3; }
}

/* ---------- contact: form extras, offices, map ---------- */
.form-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 1rem; }
.form-group select {
  width: 100%; padding: .9rem 2.6rem .9rem 1rem; font-size: .97rem; color: var(--ink); border: 1px solid var(--line-strong); border-radius: 4px;
  appearance: none; cursor: pointer; transition: border-color .25s, box-shadow .25s;
  background: var(--paper) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' fill='none' stroke='%230F1733' stroke-width='1.5'/%3E%3C/svg%3E") no-repeat right 1rem center;
}
.form-group select:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 4px rgba(16, 183, 220, .16); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.submit-btn:disabled { opacity: .6; cursor: wait; }
.success-msg.ok { color: #0A7E6A; }
.success-msg.err { color: #C0392B; }
.offices { display: grid; gap: 1.75rem; margin-top: 2.5rem; padding-top: 2rem; border-top: 1px solid var(--line-strong); }
.offices p:not(.label) { margin: .55rem 0 .7rem; max-width: 26rem; }
.map-wrap { line-height: 0; border-top: 1px solid var(--line); }
.map-wrap iframe { width: 100%; height: clamp(320px, 42vw, 460px); border: 0; filter: grayscale(.85) contrast(1.05); transition: filter .6s var(--ease); }
.map-wrap iframe:hover { filter: none; }
@media (max-width: 640px) { .form-row { grid-template-columns: minmax(0, 1fr); } }
.copy p + .btn { margin-top: 2rem; }


/* Brand text fix — navbar and footer */
.logo .logo-text {
    display: inline-block;
    font-family: var(--sans, Inter, sans-serif);
    font-size: 1.12rem;
    font-weight: 600;
    line-height: 1.2;
    letter-spacing: -0.01em;
    color: var(--ink, #172b4d);
}

.logo .logo-text span {
    color: var(--accent, #00a6c7);
    font: inherit;
}

.footer-brand .logo .logo-text {
    color: #ffffff;
}

.footer-brand .logo .logo-text span {
    color: var(--cyan, #42d5e8);
}


/* Mobile navbar visibility and stacking fix */
@media (max-width: 960px) {
  #navbar {
    z-index: 9999;
  }

  #navbar > .container,
  #navbar > .wrap {
    position: relative;
    z-index: 10001;
    padding-left: 24px;
    padding-right: 24px;
  }

  #navLinks {
    position: fixed;
    inset: 0;
    z-index: 10000;
    width: 100%;
    height: 100vh;
    height: 100dvh;
    box-sizing: border-box;
    overflow-y: auto;
    background: #0f1733;
    padding: 100px 28px 40px;
    align-items: flex-start;
    justify-content: center;
  }

  #navbar:not(.menu-open) #navLinks {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
  }

  #navbar.menu-open #navLinks {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
  }

  #navLinks a {
    display: block;
    position: relative;
    z-index: 10002;
    width: auto;
    color: #fff !important;
    opacity: 1;
    transform: none;
    font-size: clamp(1.8rem, 7vw, 2.4rem);
  }

  #navLinks .nav-cta {
    display: inline-block;
    margin-top: 20px;
    padding: 14px 22px;
    color: #0f1733 !important;
    background: #fff !important;
  }

  #navbar.menu-open .logo,
  #navbar.menu-open .hamburger {
    z-index: 10003;
  }

  #navbar.menu-open .logo-text {
    color: #fff;
  }

  #navbar.menu-open .hamburger span {
    background: #fff;
  }
}

/* Brand text colors — desktop, mobile and footer */
.logo .logo-text {
  color: #ffffff !important;
}

.logo .logo-text > span {
  color: var(--cyan, #42d5e8) !important;
}


/* Correct brand text contrast for light and dark navbar states */
.logo .logo-text {
  color: var(--ink, #172b4d) !important;
}

.logo .logo-text > span {
  color: var(--accent, #00a6c7) !important;
}

/* Transparent navbar over the dark hero */
.dark-hero .navbar:not(.scrolled) .logo .logo-text,
.navbar.menu-open .logo .logo-text {
  color: #ffffff !important;
}

/* Keep Assurance cyan in every state */
.dark-hero .navbar:not(.scrolled) .logo .logo-text > span,
.navbar.menu-open .logo .logo-text > span {
  color: var(--cyan, #42d5e8) !important;
}