/* ============ HealthByDavidCastro — white + light blue ============ */
:root{
  --bg:#ffffff; --bg2:#f6f8fc; --card:#ffffff; --card2:#f9fafc;
  --line:#e3d5a6; --line2:#cfb765;
  --text:#0b1a30; --muted:#5d6d82; --dim:#8b9aad;
  --sky:#163f73; --sky2:#1f4f8f; --sky3:#0f2f5a; --sky-ink:#0b2242; --sky-soft:#eef2f8; --sky-wash:#f6f8fc; --gold:#c9a227; --gold2:#e2c35a; --gold-soft:#faf4de; --gold-wash:#fdfaf0;
  --glow:rgba(15,47,90,.38);
  --shadow:0 18px 50px -24px rgba(15,28,46,.18);
  --shadow-lg:0 40px 90px -40px rgba(15,28,46,.28);
  --radius:22px; --radius-sm:14px;
  --font-head:'Sora',system-ui,sans-serif; --font-body:'Inter',system-ui,sans-serif; --font-serif:'Instrument Serif',Georgia,serif;
  --ease:cubic-bezier(.22,1,.36,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{background:var(--bg);color:var(--text);font-family:var(--font-body);font-size:16px;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
.wrap{width:min(1200px,calc(100% - 48px));margin:0 auto}
.wrap.narrow{width:min(840px,calc(100% - 48px))}
.center{text-align:center}
h1,h2,h3{font-family:var(--font-head);letter-spacing:-.02em;line-height:1.1;font-weight:600;color:var(--text)}
h1{font-size:clamp(2.5rem,5.2vw,4.3rem)}
h2{font-size:clamp(2rem,3.6vw,3rem)}
h3{font-size:1.25rem}
em{font-family:var(--font-serif);font-style:italic;font-weight:400;color:var(--gold);letter-spacing:0}
.eyebrow{font-size:.74rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:16px}
.sub{color:var(--muted);font-size:1.08rem;max-width:640px;margin-top:18px}
.section-head.center .sub{margin-inline:auto}
.section{padding:clamp(96px,11vw,150px) 0;position:relative}
.section-head{margin-bottom:64px}

/* ---- reveal animations ---- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.reveal.in{opacity:1;transform:none}
.stagger>*{opacity:0;transform:translateY(22px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.stagger.in>*{opacity:1;transform:none}
.stagger.in>*:nth-child(1){transition-delay:.05s}.stagger.in>*:nth-child(2){transition-delay:.15s}.stagger.in>*:nth-child(3){transition-delay:.25s}.stagger.in>*:nth-child(4){transition-delay:.35s}.stagger.in>*:nth-child(5){transition-delay:.45s}.stagger.in>*:nth-child(6){transition-delay:.55s}
@media (prefers-reduced-motion:reduce){.reveal,.stagger>*{opacity:1;transform:none;transition:none}.marquee-track,.rev-marquee .rev-track,.orb{animation:none!important}}

/* ---- buttons ---- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:15px 28px;border-radius:999px;font-weight:600;font-size:.95rem;transition:transform .3s var(--ease),box-shadow .3s var(--ease),background .3s,border-color .3s,color .3s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--sky2),var(--sky3));color:#fff;box-shadow:0 10px 30px -10px var(--glow),inset 0 0 0 1.5px rgba(226,195,90,.9)}
.btn-primary:hover{box-shadow:0 16px 40px -10px var(--glow)}
.btn-ghost{border:1px solid var(--line2);color:var(--text);background:#fff}
.btn-ghost:hover{border-color:var(--sky);color:var(--sky-ink);background:var(--sky-wash)}
.btn-sm{padding:11px 20px;font-size:.86rem}
.btn-block{width:100%}

/* ---- OEP bar ---- */
.oep{background:linear-gradient(90deg,#0b2242,#163f73 50%,#0b2242);border-bottom:1px solid var(--gold);font-size:.84rem;color:#f3e7bd}
.oep-inner{width:min(1200px,calc(100% - 48px));margin:0 auto;display:flex;align-items:center;justify-content:center;gap:12px;padding:10px 0;flex-wrap:wrap}
.oep-dot{width:8px;height:8px;border-radius:50%;background:var(--sky);box-shadow:0 0 0 0 rgba(201,162,39,.6);animation:ping 1.8s infinite}
@keyframes ping{0%{box-shadow:0 0 0 0 rgba(201,162,39,.6)}100%{box-shadow:0 0 0 10px rgba(201,162,39,0)}}
.oep-text b{font-family:var(--font-head);color:#fff;font-weight:600}
.oep-link{color:var(--gold2);font-weight:600}
.oep-link:hover{text-decoration:underline}

/* ---- nav ---- */
.nav{position:sticky;top:0;z-index:50;backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);background:rgba(255,255,255,.75);border-bottom:1px solid transparent;transition:border-color .3s,background .3s}
.nav.scrolled{background:rgba(255,255,255,.92);border-bottom-color:var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.brand{display:flex;align-items:center;gap:10px}
.brand-mark{width:34px;height:34px;display:grid;place-items:center}
.brand-mark svg{width:34px;height:34px}
.brand-text{font-family:var(--font-head);font-weight:700;font-size:1.25rem;letter-spacing:-.02em;color:var(--text)}
.brand-text span{color:var(--sky3)}
.nav-links{display:flex;gap:30px}
.nav-links a{font-size:.92rem;color:var(--muted);position:relative;padding:6px 0;transition:color .3s}
.nav-links a::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--gold);transition:width .35s var(--ease)}
.nav-links a:hover,.nav-links a.active{color:var(--text)}
.nav-links a.active::after{width:100%}
.nav-right{display:flex;align-items:center;gap:12px}
.lang{display:flex;gap:4px;align-items:center;border:1px solid var(--line2);border-radius:999px;padding:8px 13px;font-size:.78rem;font-weight:600;letter-spacing:.05em;transition:border-color .3s;background:#fff}
.lang:hover{border-color:var(--sky)}
.lang-sep{color:var(--dim)}
.lang .lang-en,.lang .lang-es{color:var(--dim)}
html[lang=en] .lang .lang-en,html[lang=es] .lang .lang-es{color:var(--sky3)}
.burger{display:none;width:40px;height:40px;flex-direction:column;align-items:center;justify-content:center;gap:6px}
.burger span{display:block;width:22px;height:2px;background:var(--text);transition:transform .3s,opacity .3s}
.burger.open span:first-child{transform:translateY(4px) rotate(45deg)}
.burger.open span:last-child{transform:translateY(-4px) rotate(-45deg)}

/* ---- hero ---- */
.hero{position:relative;padding:clamp(80px,9vw,130px) 0 clamp(90px,10vw,140px);overflow:hidden;background:linear-gradient(180deg,#fff 0%,var(--sky-wash) 100%)}
.orb{position:absolute;border-radius:50%;filter:blur(80px);opacity:.7;pointer-events:none}
.orb-a{width:640px;height:640px;background:radial-gradient(circle,rgba(201,162,39,.22),transparent 65%);top:-240px;right:-160px;animation:drift 18s ease-in-out infinite alternate}
.orb-b{width:540px;height:540px;background:radial-gradient(circle,rgba(15,47,90,.12),transparent 65%);bottom:-280px;left:-200px;animation:drift 22s ease-in-out infinite alternate-reverse}
@keyframes drift{from{transform:translate(0,0) scale(1)}to{transform:translate(-60px,50px) scale(1.12)}}
.grid-bg{position:absolute;inset:0;background-image:linear-gradient(rgba(15,47,90,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(15,47,90,.06) 1px,transparent 1px);background-size:56px 56px;mask-image:radial-gradient(ellipse at 60% 30%,#000 20%,transparent 70%);-webkit-mask-image:radial-gradient(ellipse at 60% 30%,#000 20%,transparent 70%);pointer-events:none}
.hero-inner{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:80px;align-items:center}
.hero-copy .lead{color:var(--muted);font-size:1.15rem;max-width:580px;margin-top:26px}
.byline{margin-top:22px;color:var(--muted);font-size:.95rem}
.byline strong{color:var(--text)}
.hero-cta{display:flex;gap:14px;margin-top:36px;flex-wrap:wrap}
.hero-trust{margin-top:40px;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.npn{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--gold2);background:var(--sky-soft);color:var(--sky-ink);padding:9px 15px;border-radius:999px;font-size:.84rem;font-weight:600;letter-spacing:.04em;transition:background .3s}
.npn:hover{background:var(--gold2)}
.npn-note{color:var(--dim);font-size:.84rem;max-width:320px}
.hero-photo{position:relative;justify-self:end;width:min(100%,440px)}
.photo-frame{aspect-ratio:4/5;border-radius:30px;overflow:hidden;position:relative;background:linear-gradient(160deg,var(--gold-soft),var(--gold-wash));border:1px solid #fff;box-shadow:var(--shadow-lg),0 0 0 8px rgba(201,162,39,.12)}
.photo-frame img{width:100%;height:100%;object-fit:cover;object-position:top;transform:translateZ(0);backface-visibility:hidden;will-change:transform;transition:transform 1.2s var(--ease)}
.photo-frame:hover img{transform:translateZ(0) scale(1.04)}
.photo-fallback{display:none;position:absolute;inset:0;place-items:center;font-family:var(--font-head);font-size:6rem;font-weight:700;color:rgba(15,47,90,.3);letter-spacing:-.05em}
.photo-frame.no-photo img{display:none}.photo-frame.no-photo .photo-fallback{display:grid}
.float-card{position:absolute;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border:1px solid var(--line);border-radius:18px;padding:16px 20px;display:flex;flex-direction:column;gap:2px;box-shadow:var(--shadow);animation:bob 6s ease-in-out infinite}
.float-a{left:-48px;bottom:-26px}
.float-b{right:-34px;top:-26px;animation-delay:-3s}
@keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
.fc-num{font-family:var(--font-head);font-size:1.9rem;font-weight:700;line-height:1;color:var(--text)}
.fc-label{font-size:.78rem;color:var(--muted)}
.stars{color:var(--gold);letter-spacing:2px;font-size:1rem}

/* ---- pillars ---- */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.pillar{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:38px 34px;position:relative;overflow:hidden;transition:transform .5s var(--ease),border-color .4s,box-shadow .5s;box-shadow:var(--shadow)}
.pillar::before{content:"";position:absolute;inset:0;background:radial-gradient(420px circle at var(--mx,50%) var(--my,0%),rgba(201,162,39,.16),transparent 45%);opacity:0;transition:opacity .4s}
.pillar:hover{transform:translateY(-6px);border-color:var(--gold2)}
.pillar:hover::before{opacity:1}
.pillar .ico{width:52px;height:52px;border-radius:16px;background:var(--sky-soft);border:1px solid var(--gold2);display:grid;place-items:center;color:var(--sky3);margin-bottom:24px}
.pillar h3{margin-bottom:12px}
.pillar p{color:var(--muted);font-size:.98rem}

/* ---- stats ---- */
.stats-band{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--bg2)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.stat{padding:60px 24px;text-align:center;border-left:1px solid var(--line)}
.stat:first-child{border-left:0}
.stat-num{font-family:var(--font-head);font-size:clamp(2.4rem,4.2vw,3.5rem);font-weight:700;color:var(--text);line-height:1;letter-spacing:-.03em}
.stat-num sup{font-size:.5em;color:var(--gold);vertical-align:top;margin-left:2px}
.stat-label{margin-top:14px;font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}

/* ---- services ---- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:38px 34px 32px;display:flex;flex-direction:column;position:relative;overflow:hidden;transition:transform .5s var(--ease),border-color .4s,box-shadow .5s;box-shadow:var(--shadow)}
.card::after{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,transparent,var(--sky2),transparent);opacity:0;transition:opacity .4s}
.card:hover{transform:translateY(-6px);border-color:var(--gold2);box-shadow:var(--shadow-lg)}
.card:hover::after{opacity:1}
.card .ico{width:54px;height:54px;border-radius:16px;background:linear-gradient(135deg,var(--gold-soft),var(--gold-wash));border:1px solid var(--gold2);display:grid;place-items:center;color:var(--sky3);margin-bottom:26px}
.card h3{margin-bottom:12px}
.card p{color:var(--muted);font-size:.97rem;flex:1}
.card .more{margin-top:24px;color:var(--sky3);font-weight:600;font-size:.9rem;display:inline-flex;align-items:center;gap:6px}
.card .more span{transition:transform .3s var(--ease)}
.card:hover .more span{transform:translateX(4px)}

/* ---- carriers ---- */
.carriers{padding:60px 0 90px;overflow:hidden}
.carriers-label{text-align:center;font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;color:var(--dim);margin-bottom:36px}
.marquee{position:relative;mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent)}
.marquee-track{display:flex;gap:22px;width:max-content;animation:scroll 45s linear infinite;align-items:center}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes scroll{to{transform:translateX(-50%)}}
.carrier{height:84px;min-width:200px;padding:0 34px;border:1px solid var(--line);border-radius:18px;background:#fff;display:flex;align-items:center;justify-content:center;gap:10px;transition:border-color .3s,box-shadow .3s;box-shadow:var(--shadow)}
.carrier:hover{border-color:var(--gold2)}
.carrier img{max-height:46px;max-width:180px;width:auto;height:auto;object-fit:contain;transition:transform .3s var(--ease)}
.carrier:hover img{transform:scale(1.05)}
.carrier .carrier-name{font-family:var(--font-head);font-weight:600;font-size:1.05rem;color:var(--muted);white-space:nowrap;display:flex;align-items:center;gap:10px}
.carrier .carrier-name i{width:8px;height:8px;border-radius:50%;background:var(--sky);display:inline-block}
.carrier.has-logo .carrier-name{display:none}

/* ---- licenses ---- */
.lic-head{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:end;margin-bottom:40px}
.lic-count{color:var(--sky3);font-weight:700;letter-spacing:-.04em}
.lic-side .sub{margin-top:0}
.legend{display:flex;gap:24px;margin-top:18px;font-size:.9rem;color:var(--muted)}
.legend span{display:inline-flex;align-items:center;gap:8px}
.sw{width:14px;height:14px;border-radius:4px;display:inline-block}
.sw-on{background:var(--sky)}
.sw-off{background:#e9ecf1;border:1px solid var(--line2)}
.lic-outside{margin-top:26px;color:var(--muted);font-size:.95rem;text-align:center}
.lic-outside a{color:var(--sky3);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.map-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:36px 40px 28px;position:relative;box-shadow:var(--shadow)}
.map-wrap{max-width:1000px;margin:0 auto}
.map-wrap{position:relative}
#usMap{width:100%;height:auto;display:block}
#usMap path{fill:#e9ecf1;stroke:#fff;stroke-width:1.2;transition:fill .3s,filter .3s,transform .3s;transform-box:fill-box;transform-origin:center}
#usMap path.on{fill:url(#stateGrad);cursor:pointer}
#usMap path.on:hover{filter:drop-shadow(0 6px 14px rgba(15,47,90,.45)) brightness(1.08);transform:scale(1.03)}
#usMap text{font-family:var(--font-body);font-size:12px;font-weight:600;fill:#8a93a3;pointer-events:none}
#usMap text.on{fill:#fff}
#usMap line{stroke:#cfdce9}
.map-tip{position:absolute;pointer-events:none;background:var(--text);color:#fff;font-size:.8rem;font-weight:600;padding:7px 11px;border-radius:8px;opacity:0;transform:translate(-50%,-130%);transition:opacity .2s;white-space:nowrap}
.map-tip.show{opacity:1}
.map-hint{text-align:center;margin-top:20px;font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--sky3)}

/* ---- booking ---- */
.book-grid{display:grid;grid-template-columns:340px 1fr;gap:30px;align-items:start}
.advisor-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:40px 32px;text-align:center;position:sticky;top:110px;box-shadow:var(--shadow)}
.avatar{width:120px;height:120px;border-radius:50%;margin:0 auto 22px;overflow:hidden;border:3px solid #fff;background:linear-gradient(160deg,var(--gold-soft),var(--gold-wash));box-shadow:0 0 0 6px rgba(201,162,39,.25)}
.avatar img{width:100%;height:100%;object-fit:cover}
.advisor-card .eyebrow{margin-bottom:6px}
.accepting{display:inline-flex;align-items:center;gap:8px;margin-top:12px;font-size:.9rem;color:#15803d}
.pulse{width:8px;height:8px;border-radius:50%;background:#22c55e;box-shadow:0 0 0 0 rgba(34,197,94,.6);animation:ping 1.8s infinite}
.advisor-facts{list-style:none;margin-top:26px;padding-top:26px;border-top:1px solid var(--line);color:var(--muted);font-size:.92rem;display:grid;gap:10px;margin-bottom:26px}
.sched-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:14px;overflow:hidden;box-shadow:var(--shadow)}
.sched-card iframe{width:100%;height:760px;border:0;border-radius:14px;background:#fff}
.secured{display:flex;align-items:center;justify-content:center;gap:6px;color:var(--dim);font-size:.78rem;margin-top:12px}

/* ---- reviews ---- */
#reviews{overflow:hidden;background:var(--bg2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.rating-h2{display:inline-flex;align-items:center;gap:14px}
.rating-num{font-weight:700}
.star-big{color:var(--gold)}
.rev-marquee{overflow:hidden;margin-top:32px;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.rev-track{display:flex;gap:22px;width:max-content;animation:scroll 90s linear infinite;padding:8px 0}
.rev-reverse .rev-track{animation-direction:reverse;animation-duration:110s}
.rev-marquee:hover .rev-track{animation-play-state:paused}
.rev{width:400px;flex:none;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;gap:14px;transition:border-color .3s,transform .4s var(--ease),box-shadow .4s;box-shadow:var(--shadow)}
.rev:hover{border-color:var(--gold2);transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.rev .stars{font-size:.9rem}
.rev p{color:#334155;font-size:.95rem;line-height:1.6;display:-webkit-box;-webkit-line-clamp:4;-webkit-box-orient:vertical;overflow:hidden}
.rev.open p{-webkit-line-clamp:unset}
.rev-foot{display:flex;align-items:center;gap:12px;margin-top:auto}
.rev-av{width:40px;height:40px;border-radius:50%;background:var(--sky-soft);border:1px solid var(--gold2);display:grid;place-items:center;font-size:.78rem;font-weight:700;color:var(--sky-ink);flex:none}
.rev-name{font-weight:600;font-size:.9rem}
.rev-src{font-size:.74rem;color:var(--dim)}
.verified{margin-left:auto;font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:#15803d;display:inline-flex;align-items:center;gap:5px}
.rev-more{align-self:flex-start;font-size:.82rem;color:var(--sky3);font-weight:600}

/* ---- referral ---- */
.referral{padding:40px 0 0}
.referral-inner{background:linear-gradient(135deg,var(--gold-soft),var(--gold-wash));border:1px solid var(--gold2);border-radius:var(--radius);padding:46px 48px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.referral h3{font-size:1.35rem;max-width:640px;font-weight:500;line-height:1.4}
.referral .eyebrow{margin-bottom:10px}

/* ---- faq ---- */
.faq{display:grid;gap:14px}
.q{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);overflow:hidden;transition:border-color .3s,box-shadow .3s}
.q.open{border-color:var(--gold2);box-shadow:var(--shadow)}
.q button{width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 26px;text-align:left;font-family:var(--font-head);font-weight:500;font-size:1.04rem}
.q .pm{width:28px;height:28px;border-radius:50%;border:1px solid var(--line2);display:grid;place-items:center;color:var(--sky3);flex:none;transition:transform .4s var(--ease),background .3s}
.q.open .pm{transform:rotate(45deg);background:var(--sky-soft)}
.a{max-height:0;overflow:hidden;transition:max-height .5s var(--ease)}
.a p{padding:0 26px 24px;color:var(--muted);font-size:.98rem}
.faq-foot{text-align:center;margin-top:36px;color:var(--muted)}
.faq-foot a{color:var(--sky3);font-weight:600;text-decoration:underline;text-underline-offset:3px}

/* ---- footer ---- */
.footer{border-top:1px solid var(--line);background:var(--bg2);padding:90px 0 36px;margin-top:60px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:50px}
.f-tag{margin-top:18px;font-size:.85rem;color:var(--sky3);font-weight:600}
.f-desc{margin-top:12px;color:var(--muted);font-size:.95rem;max-width:380px}
.socials{display:flex;gap:10px;margin-top:26px}
.socials a{width:42px;height:42px;border-radius:12px;border:1px solid var(--line2);background:#fff;display:grid;place-items:center;color:var(--muted);transition:color .3s,border-color .3s,transform .3s}
.socials a:hover{color:var(--sky3);border-color:var(--sky);transform:translateY(-2px)}
.f-head{font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--dim);margin-bottom:20px;font-weight:600}
.f-col a,.f-hours{display:flex;align-items:center;gap:10px;color:var(--muted);padding:7px 0;font-size:.95rem;transition:color .3s}
.f-col a:hover{color:var(--text)}
.footer-bottom{margin-top:60px;padding-top:28px;border-top:1px solid var(--line);display:flex;flex-direction:column;gap:10px;font-size:.8rem;color:var(--dim)}
.f-disclaimer{max-width:900px;line-height:1.5}

/* ---- license modal ---- */
.modal{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:20px;opacity:0;pointer-events:none;transition:opacity .3s}
.modal.show{opacity:1;pointer-events:auto}
.modal-bg{position:absolute;inset:0;background:rgba(15,28,46,.55);backdrop-filter:blur(8px)}
.modal-box{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);width:min(960px,100%);max-height:92vh;display:flex;flex-direction:column;overflow:hidden;transform:translateY(20px) scale(.97);transition:transform .4s var(--ease);box-shadow:var(--shadow-lg)}
.modal.show .modal-box{transform:none}
.modal-head{padding:26px 30px 18px;border-bottom:1px solid var(--line)}
.modal-head .eyebrow{margin-bottom:6px}
.modal-sub{color:var(--muted);font-size:.86rem;margin-top:6px}
.modal-x{position:absolute;top:16px;right:18px;width:38px;height:38px;border-radius:50%;border:1px solid var(--line2);font-size:1.4rem;line-height:1;display:grid;place-items:center;z-index:2;background:#fff}
.modal-x:hover{border-color:var(--sky)}
.modal-img{overflow:auto;background:#f3f6fa;flex:1;padding:14px}
.modal-img img{width:100%;height:auto;border-radius:8px;box-shadow:var(--shadow)}

/* ---- quote modal ---- */
.quote-box{width:min(560px,100%);max-height:92vh;overflow:auto}
.q-progress{height:4px;background:var(--line);position:relative}
.q-progress i{position:absolute;left:0;top:0;bottom:0;background:linear-gradient(90deg,var(--sky2),var(--sky3));width:20%;transition:width .5s var(--ease)}
.q-body{padding:34px 36px 36px}
.q-step-label{font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--sky3);font-weight:600;margin-bottom:12px}
.q-body h3{font-size:1.6rem;margin-bottom:24px;letter-spacing:-.02em}
.q-opts{display:grid;gap:12px}
.q-opts.grid2{grid-template-columns:1fr 1fr}
.q-opts.grid2 .q-opt{padding:13px 14px;font-size:.95rem}
.q-opt{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:16px 18px;border:1px solid var(--line2);border-radius:14px;text-align:left;font-weight:500;font-size:1rem;background:#fff;transition:border-color .25s,background .25s,transform .25s var(--ease)}
.q-opt:hover{border-color:var(--sky);background:var(--sky-wash);transform:translateX(3px)}
.q-opt i{width:20px;height:20px;border-radius:50%;border:2px solid var(--line2);flex:none;transition:border-color .25s,background .25s}
.q-opt:hover i{border-color:var(--sky)}
.q-opt.sel{border-color:var(--sky);background:var(--sky-soft)}
.q-opt.sel i{border-color:var(--sky);background:var(--sky);box-shadow:inset 0 0 0 4px #fff}
.q-foot{display:flex;justify-content:space-between;align-items:center;margin-top:24px;color:var(--dim);font-size:.82rem}
.q-back{color:var(--muted);font-weight:600;font-size:.88rem;display:inline-flex;align-items:center;gap:6px}
.q-back:hover{color:var(--text)}
.q-form{display:grid;gap:14px}
.q-form label{display:grid;gap:6px;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--dim);font-weight:600}
.q-form input,.q-form select{font:inherit;font-size:1rem;padding:13px 15px;border:1px solid var(--line2);border-radius:12px;background:#fff;color:var(--text);text-transform:none;letter-spacing:0;outline:0;transition:border-color .25s,box-shadow .25s;width:100%}
.q-form input:focus,.q-form select:focus{border-color:var(--sky);box-shadow:0 0 0 4px rgba(15,47,90,.15)}
.q-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.q-note{color:var(--muted);font-size:.9rem;margin:-10px 0 18px}
.q-error{color:#b91c1c;font-size:.86rem;min-height:1.2em}
.q-success{text-align:center;padding:20px 0 6px}
.q-success .big{width:72px;height:72px;border-radius:50%;background:var(--sky-soft);color:var(--sky3);display:grid;place-items:center;margin:0 auto 20px}
.q-success p{color:var(--muted);margin:12px 0 26px}

.to-top{position:fixed;left:22px;bottom:22px;width:46px;height:46px;border-radius:50%;background:#fff;border:1px solid var(--line2);display:grid;place-items:center;color:var(--text);opacity:0;pointer-events:none;transition:opacity .3s,transform .3s;z-index:40;box-shadow:var(--shadow)}
.to-top.show{opacity:1;pointer-events:auto}
.to-top:hover{transform:translateY(-3px);border-color:var(--sky)}

/* timed quote popup */
.nudge{position:fixed;right:22px;bottom:92px;width:min(360px,calc(100vw - 32px));background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px 22px;box-shadow:var(--shadow-lg),0 0 0 6px rgba(201,162,39,.12);z-index:45;opacity:0;pointer-events:none;transform:translateY(24px) scale(.96);transition:opacity .45s var(--ease),transform .55s var(--ease)}
.nudge.show{opacity:1;pointer-events:auto;transform:none}
.nudge-x{position:absolute;top:12px;right:14px;width:32px;height:32px;border-radius:50%;border:0;background:var(--bg2);color:var(--muted);font-size:20px;line-height:1;cursor:pointer;transition:background .2s,color .2s}
.nudge-x:hover{background:var(--sky-soft);color:var(--text)}
.nudge-ico{width:46px;height:46px;border-radius:14px;background:var(--sky-soft);color:var(--sky3);display:grid;place-items:center;margin-bottom:14px}
.nudge h4{font-size:20px;letter-spacing:-.02em;margin-bottom:8px}
.nudge p{color:var(--muted);font-size:15px;line-height:1.55;margin-bottom:18px}
.nudge-no{display:block;width:100%;margin-top:10px;background:none;border:0;color:var(--muted);font-size:14px;cursor:pointer;padding:6px}
.nudge-no:hover{color:var(--text)}
@media (max-width:560px){.nudge{right:16px;left:16px;bottom:84px;width:auto}}

/* floating "Get a quote" button, follows the visitor down the page */
.float-quote{position:fixed;right:22px;bottom:22px;z-index:44;display:inline-flex;align-items:center;gap:9px;padding:15px 24px;border-radius:999px;background:linear-gradient(135deg,var(--sky2),var(--sky3));color:#fff;font-weight:600;font-size:.95rem;border:0;cursor:pointer;box-shadow:0 14px 34px -10px var(--glow),0 0 0 0 rgba(201,162,39,.4);transition:transform .3s var(--ease),box-shadow .3s,opacity .3s;animation:floatIn .9s var(--ease) .6s backwards,glowPulse 3.2s ease-out 2s infinite}
.float-quote:hover{transform:translateY(-3px);box-shadow:0 20px 44px -10px var(--glow)}
.float-quote svg{flex:none}
.modal.show ~ .float-quote{opacity:0;pointer-events:none}
@keyframes floatIn{from{opacity:0;transform:translateY(20px) scale(.9)}to{opacity:1;transform:none}}
@keyframes glowPulse{0%{box-shadow:0 14px 34px -10px var(--glow),0 0 0 0 rgba(201,162,39,.4)}70%{box-shadow:0 14px 34px -10px var(--glow),0 0 0 14px rgba(201,162,39,0)}100%{box-shadow:0 14px 34px -10px var(--glow),0 0 0 0 rgba(201,162,39,0)}}
@media (max-width:560px){.float-quote{right:16px;bottom:16px;padding:14px 20px}.to-top{left:16px;bottom:16px}}
@media (prefers-reduced-motion:reduce){.float-quote{animation:none}}

main{transition:opacity .25s}
body.lang-fade main{opacity:.4}

/* ---- responsive ---- */
@media (max-width:1024px){
  .hero-inner{grid-template-columns:1fr;gap:60px}
  .hero-photo{justify-self:center;width:min(100%,380px)}
  .pillars,.cards{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr)}
  .stat:nth-child(3){border-left:0}
  .stat{border-top:1px solid var(--line)}.stat:nth-child(-n+2){border-top:0}
  .lic-head{grid-template-columns:1fr;gap:18px;align-items:start}
  .book-grid{grid-template-columns:1fr}
  .advisor-card{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  .nav-links{position:fixed;inset:76px 0 auto 0;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line);flex-direction:column;gap:0;padding:10px 24px 20px;transform:translateY(-10px);opacity:0;pointer-events:none;transition:opacity .3s,transform .3s}
  .nav-links.open{opacity:1;transform:none;pointer-events:auto}
  .nav-links a{padding:14px 0;font-size:1.05rem;border-bottom:1px solid var(--line)}
  .burger{display:flex}
  .nav-right .btn{display:none}
  .pillars,.cards{grid-template-columns:1fr}
  .float-a{left:-6px;bottom:-16px}.float-b{right:-6px;top:-16px}
  .referral-inner{flex-direction:column;align-items:flex-start;padding:34px 26px}
  .sched-card iframe{height:640px}
  .footer-grid{grid-template-columns:1fr}
  .rev{width:310px}
  .oep-inner{font-size:.78rem;gap:8px}
  .oep-link{display:none}
  .q-body{padding:28px 22px 30px}
  .q-form .row2{grid-template-columns:1fr}
  .q-opts.grid2{grid-template-columns:1fr 1fr}
}
@media (max-width:480px){
  .stats{grid-template-columns:1fr 1fr}
  .hero-cta .btn{width:100%}
  .wrap{width:calc(100% - 36px)}
}