:root {
    --navy: #0A2540; --navy-deep: #061A2E;
    --teal: #00B3A6; --teal-bright: #1FD3C5; --teal-soft: #E6F7F5;
    --gold: #B8924A; --gold-bright: #D4AB5C; --gold-soft: #F5EFE0;
    --paper: #FFFFFF; --cream: #F7F5F0;
    --ink: #0A2540; --ink-soft: #4A5A6E; --ink-mute: #8896A6;
    --line: rgba(10, 37, 64, 0.08);
    --display: 'Manrope', -apple-system, sans-serif;
    --body: 'Manrope', -apple-system, sans-serif;
    --red: #E84A5F;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: var(--body); background: var(--paper); color: var(--ink); line-height: 1.6; -webkit-font-smoothing: antialiased; overflow-x: hidden; font-weight: 400; }
a { color: inherit; }

/* TOPBAR */
.audience-bar { background: var(--navy-deep); border-bottom: 1px solid rgba(255,255,255,0.06); }
.audience-inner { max-width: 1280px; margin: 0 auto; padding: 0 40px; display: flex; justify-content: space-between; align-items: stretch; height: 42px; }
.audience-claim { display: flex; align-items: center; font-size: 11px; font-weight: 600; letter-spacing: 0.18em; text-transform: uppercase; color: rgba(255,255,255,0.6); }
.audience-tabs { display: flex; align-items: stretch; }
.audience-tab { display: flex; align-items: center; padding: 0 16px; font-size: 12px; font-weight: 600; color: rgba(255,255,255,0.55); text-decoration: none; border-left: 1px solid rgba(255,255,255,0.06); transition: all 0.2s; }
.audience-tab:hover { color: white; background: rgba(255,255,255,0.04); }
.audience-tab .for { color: rgba(255,255,255,0.35); margin-right: 6px; font-weight: 500; }
.audience-tab .product { margin-left: 8px; padding-left: 8px; font-size: 10px; font-weight: 500; letter-spacing: 0.08em; color: rgba(255,255,255,0.4); border-left: 1px solid rgba(255,255,255,0.12); }
.audience-tab.investigative .product { color: var(--gold-bright); }
.audience-tab.defensive .product { color: var(--teal-bright); }

/* NAV */
nav.main { background: rgba(255,255,255,0.96); backdrop-filter: blur(16px); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 100; }
.nav-inner { max-width: 1280px; margin: 0 auto; padding: 22px 40px; display: flex; justify-content: space-between; align-items: center; }
.logo-wrap { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; }
.logo-mark { width: 30px; height: 30px; }
.logo-text { font-family: var(--display); font-weight: 700; font-size: 24px; letter-spacing: -0.04em; color: var(--navy); line-height: 1; text-transform: lowercase; }
.nav-links { display: flex; gap: 36px; align-items: center; list-style: none; }
.nav-item > a { color: var(--ink-soft); text-decoration: none; font-size: 14px; font-weight: 500; display: inline-flex; align-items: center; gap: 5px; padding: 8px 0; }
.nav-item:hover > a { color: var(--navy); }
.nav-item.has-menu > a::after { content: '↓'; font-size: 9px; color: var(--ink-mute); margin-left: 3px; }
.nav-cta { background: var(--navy); color: white; padding: 12px 22px; border-radius: 999px; text-decoration: none; font-size: 14px; font-weight: 600; transition: all .25s; }
.nav-cta:hover { background: var(--teal); color: var(--navy); }

/* MARKET AVAILABILITY BANNER */
.market-banner {
    background: var(--gold-soft);
    border-bottom: 1px solid rgba(184, 146, 74, 0.20);
    padding: 14px 40px;
}
.market-banner-inner {
    max-width: 1280px; margin: 0 auto;
    display: flex; gap: 16px; align-items: center;
    flex-wrap: wrap; justify-content: space-between;
}
.market-banner-text {
    display: flex; align-items: center; gap: 12px;
    font-size: 13px; line-height: 1.5;
    color: var(--navy);
}
.market-banner-icon {
    flex-shrink: 0;
    width: 32px; height: 32px;
    background: white;
    border: 1px solid rgba(184, 146, 74, 0.30);
    border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    color: var(--gold);
}
.market-banner-icon svg { width: 16px; height: 16px; }
.market-banner-text strong { color: var(--navy); font-weight: 700; }
.market-banner-link {
    font-size: 13px; font-weight: 700;
    color: var(--gold);
    text-decoration: none;
    border-bottom: 1.5px solid var(--gold);
    padding-bottom: 2px;
    white-space: nowrap;
}
.market-banner-link:hover { color: var(--gold-bright); }

/* BREADCRUMB */
.breadcrumb { background: var(--cream); padding: 16px 40px; border-bottom: 1px solid var(--line); }
.breadcrumb-inner { max-width: 1280px; margin: 0 auto; font-size: 13px; color: var(--ink-mute); display: flex; align-items: center; gap: 8px; }
.breadcrumb a { color: var(--ink-soft); text-decoration: none; }
.breadcrumb a:hover { color: var(--teal); }
.breadcrumb .sep { opacity: 0.4; }
.breadcrumb .current { color: var(--navy); font-weight: 600; }

/* HERO */
.hero { background: var(--paper); padding: 80px 40px 80px; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; top: -300px; right: -200px; width: 900px; height: 900px; background: radial-gradient(circle, rgba(0, 179, 166, 0.10) 0%, transparent 60%); pointer-events: none; }
.hero-inner { max-width: 1280px; margin: 0 auto; position: relative; text-align: center; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--teal); background: var(--teal-soft); padding: 7px 14px; border-radius: 999px; margin-bottom: 28px; }
.hero-eyebrow::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--teal); box-shadow: 0 0 10px var(--teal); }
h1.hero-title {
    font-family: var(--display);
    font-size: clamp(40px, 6vw, 78px); font-weight: 700;
    line-height: 1.05; letter-spacing: -0.035em;
    color: var(--navy); margin-bottom: 22px;
    max-width: 920px; margin-left: auto; margin-right: auto;
}
h1.hero-title em { font-style: normal; color: var(--teal); }
.hero-sub { font-size: 19px; line-height: 1.55; color: var(--ink-soft); max-width: 720px; margin: 0 auto 36px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }
.hero-cta-primary { background: var(--navy); color: white; padding: 16px 32px; border-radius: 999px; text-decoration: none; font-size: 15px; font-weight: 600; transition: all 0.2s; }
.hero-cta-primary:hover { background: var(--teal); color: var(--navy); }
.hero-cta-secondary { color: var(--navy); padding: 16px 24px; text-decoration: none; font-size: 15px; font-weight: 600; border-bottom: 1.5px solid var(--teal); padding-bottom: 6px; }

/* PROBLEM (DARK) */
.problem { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%); color: white; padding: 110px 40px; position: relative; overflow: hidden; }
.problem::before { content: ''; position: absolute; top: -200px; right: -100px; width: 700px; height: 700px; background: radial-gradient(circle, rgba(0, 179, 166, 0.16) 0%, transparent 60%); pointer-events: none; }
.problem-inner { max-width: 1180px; margin: 0 auto; position: relative; }
.problem-header { text-align: center; margin-bottom: 60px; max-width: 760px; margin-left: auto; margin-right: auto; }
.problem-eyebrow { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--teal-bright); background: rgba(0, 179, 166, 0.10); border: 1px solid rgba(0, 179, 166, 0.25); padding: 7px 14px; border-radius: 999px; margin-bottom: 24px; }
.problem-headline { font-family: var(--display); font-size: clamp(34px, 4.5vw, 52px); font-weight: 600; line-height: 1.1; letter-spacing: -0.025em; color: white; margin-bottom: 18px; }
.problem-headline em { font-style: normal; color: var(--teal-bright); }
.problem-lead { font-size: 17px; line-height: 1.55; color: rgba(255,255,255,0.75); }
.problem-quote {
    margin-top: 48px;
    text-align: center;
    font-family: var(--display);
    font-size: clamp(22px, 3vw, 32px);
    font-weight: 600;
    color: white;
    letter-spacing: -0.02em;
    line-height: 1.3;
    max-width: 820px;
    margin-left: auto; margin-right: auto;
    padding: 32px 0;
    border-top: 1px solid rgba(255,255,255,0.10);
    border-bottom: 1px solid rgba(255,255,255,0.10);
}
.problem-quote em { font-style: normal; color: var(--teal-bright); }

/* WHY-IT-MATTERS */
.why { background: var(--paper); padding: 110px 40px; }
.why-inner { max-width: 1280px; margin: 0 auto; }
.why-header { text-align: center; margin-bottom: 70px; max-width: 760px; margin-left: auto; margin-right: auto; }
.section-eyebrow { display: inline-block; font-size: 13px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--teal); margin-bottom: 18px; }
h2.section-title { font-family: var(--display); font-size: clamp(34px, 4.5vw, 52px); font-weight: 600; line-height: 1.1; letter-spacing: -0.025em; color: var(--navy); margin-bottom: 20px; }
h2.section-title em { font-style: normal; color: var(--teal); }
.section-lead { font-size: 17px; line-height: 1.65; color: var(--ink-soft); max-width: 760px; margin: 0 auto; }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.why-card {
    background: var(--cream);
    border: 1px solid transparent;
    border-radius: 18px;
    padding: 32px 28px;
    transition: all 0.3s;
}
.why-card:hover {
    background: white; border-color: var(--teal);
    transform: translateY(-3px);
    box-shadow: 0 16px 40px -15px rgba(10, 37, 64, 0.10);
}
.why-card-num {
    font-family: var(--display);
    font-size: 32px; font-weight: 700;
    color: var(--teal);
    letter-spacing: -0.03em;
    line-height: 1; margin-bottom: 16px;
}
.why-card h3 { font-family: var(--display); font-size: 18px; font-weight: 700; color: var(--navy); letter-spacing: -0.015em; line-height: 1.2; margin-bottom: 12px; }
.why-card p { font-size: 14px; line-height: 1.6; color: var(--ink-soft); }

/* CRISIS LIFECYCLE (DARK) */
.lifecycle { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%); color: white; padding: 110px 40px; position: relative; overflow: hidden; }
.lifecycle::before { content: ''; position: absolute; top: -200px; left: -100px; width: 700px; height: 700px; background: radial-gradient(circle, rgba(0, 179, 166, 0.16) 0%, transparent 60%); pointer-events: none; }
.lifecycle-inner { max-width: 1280px; margin: 0 auto; position: relative; }
.lifecycle-header { text-align: center; margin-bottom: 60px; max-width: 760px; margin-left: auto; margin-right: auto; }
.lifecycle-eyebrow { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--teal-bright); background: rgba(0, 179, 166, 0.10); border: 1px solid rgba(0, 179, 166, 0.25); padding: 7px 14px; border-radius: 999px; margin-bottom: 24px; }
.lifecycle-headline { font-family: var(--display); font-size: clamp(34px, 4.5vw, 52px); font-weight: 600; line-height: 1.1; letter-spacing: -0.025em; color: white; margin-bottom: 18px; }
.lifecycle-headline em { font-style: normal; color: var(--teal-bright); }
.lifecycle-lead { font-size: 17px; line-height: 1.55; color: rgba(255,255,255,0.75); }
.lifecycle-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.lifecycle-card {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.10);
    border-radius: 18px;
    padding: 32px 28px;
}
.lifecycle-tag {
    display: inline-block;
    font-size: 11px; font-weight: 700;
    letter-spacing: 0.16em; text-transform: uppercase;
    color: var(--teal-bright);
    background: rgba(0, 179, 166, 0.10);
    border: 1px solid rgba(0, 179, 166, 0.25);
    padding: 5px 11px; border-radius: 999px;
    margin-bottom: 18px;
}
.lifecycle-card h3 { font-family: var(--display); font-size: 22px; font-weight: 700; color: white; letter-spacing: -0.02em; line-height: 1.2; margin-bottom: 16px; }
.lifecycle-list { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.lifecycle-list li {
    display: flex; gap: 10px;
    font-size: 14px; line-height: 1.55;
    color: rgba(255,255,255,0.85);
    padding: 8px 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
}
.lifecycle-list li:last-child { border-bottom: none; }
.lifecycle-list li::before {
    flex-shrink: 0; margin-top: 8px;
    content: ''; width: 5px; height: 5px;
    border-radius: 50%; background: var(--teal-bright);
}

/* INSURANCE READINESS */
.insurance { background: var(--cream); padding: 110px 40px; }
.insurance-inner {
    max-width: 1180px; margin: 0 auto;
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 60px; align-items: center;
}
.insurance-text h2 { font-family: var(--display); font-size: clamp(34px, 4.5vw, 48px); font-weight: 600; color: var(--navy); letter-spacing: -0.025em; line-height: 1.15; margin-bottom: 18px; }
.insurance-text h2 em { font-style: normal; color: var(--teal); }
.insurance-text p { font-size: 15px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 14px; }
.insurance-text strong { color: var(--navy); font-weight: 700; }
.insurance-bullets {
    list-style: none;
    margin-top: 24px;
    padding-top: 20px;
    border-top: 1px solid var(--line);
}
.insurance-bullets li {
    display: flex; gap: 14px; align-items: flex-start;
    padding: 10px 0;
    font-size: 14px; line-height: 1.6;
    color: var(--ink-soft);
}
.insurance-bullets li::before {
    content: '';
    flex-shrink: 0; margin-top: 4px;
    width: 16px; height: 16px;
    border-radius: 50%;
    background: var(--teal-soft);
    border: 1.5px solid var(--teal);
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14' fill='none' stroke='%2300B3A6' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 7l3 3 5-6'/%3E%3C/svg%3E");
    background-position: center; background-repeat: no-repeat;
}
.insurance-bullets strong { color: var(--navy); font-weight: 700; }

.insurance-visual {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
    border-radius: 24px;
    padding: 40px;
    color: white;
    aspect-ratio: 5/4;
    display: flex; flex-direction: column;
    justify-content: center; gap: 24px;
    position: relative; overflow: hidden;
}
.insurance-visual::before { content: ''; position: absolute; top: -100px; right: -100px; width: 400px; height: 400px; background: radial-gradient(circle, rgba(0, 179, 166, 0.18) 0%, transparent 60%); pointer-events: none; }
.insurance-stat {
    position: relative; z-index: 1;
    text-align: center;
}
.insurance-stat-num {
    font-family: var(--display);
    font-size: clamp(56px, 8vw, 88px);
    font-weight: 700;
    color: var(--teal-bright);
    letter-spacing: -0.04em;
    line-height: 0.95;
    margin-bottom: 8px;
}
.insurance-stat-label {
    font-family: var(--display);
    font-size: 15px; font-weight: 600;
    color: white;
    letter-spacing: -0.01em;
    line-height: 1.3;
}
.insurance-stat-sub {
    font-size: 13px;
    color: rgba(255,255,255,0.6);
    margin-top: 6px;
}

/* PRICING */
.pricing { background: var(--paper); padding: 110px 40px; }
.pricing-inner { max-width: 1280px; margin: 0 auto; }
.pricing-header { text-align: center; margin-bottom: 60px; max-width: 760px; margin-left: auto; margin-right: auto; }
.pricing-includes {
    background: var(--teal-soft);
    border: 1px solid rgba(0, 179, 166, 0.20);
    border-radius: 14px;
    padding: 18px 28px;
    max-width: 760px;
    margin: 24px auto 0;
    font-size: 14px;
    color: var(--navy);
}
.pricing-includes strong { color: var(--teal); font-weight: 700; }
.pricing-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; align-items: stretch; }
.pricing-card {
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: 36px 28px;
    display: flex; flex-direction: column;
    transition: all 0.3s;
    position: relative;
}
.pricing-card:hover {
    background: white; border-color: var(--teal);
    transform: translateY(-3px);
    box-shadow: 0 24px 50px -20px rgba(10, 37, 64, 0.14);
}
.pricing-card.featured {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
    color: white; border-color: var(--navy);
}
.pricing-card.featured::after {
    content: ''; position: absolute;
    top: 0; right: 0; width: 200px; height: 200px;
    background: radial-gradient(circle at top right, rgba(0, 179, 166, 0.20), transparent 70%);
    pointer-events: none;
    border-radius: 0 20px 0 0;
}
.pricing-badge {
    position: absolute;
    top: -10px; right: 24px;
    background: var(--teal);
    color: var(--navy);
    padding: 5px 12px;
    border-radius: 999px;
    font-size: 10px; font-weight: 700;
    letter-spacing: 0.10em; text-transform: uppercase;
}
.pricing-tier {
    display: inline-block;
    font-size: 10px; font-weight: 700;
    letter-spacing: 0.16em; text-transform: uppercase;
    color: var(--teal);
    margin-bottom: 12px;
}
.pricing-card.featured .pricing-tier { color: var(--teal-bright); }
.pricing-name { font-family: var(--display); font-size: 22px; font-weight: 700; color: var(--navy); letter-spacing: -0.02em; line-height: 1.15; margin-bottom: 6px; }
.pricing-card.featured .pricing-name { color: white; }
.pricing-name em { font-style: normal; color: var(--teal); }
.pricing-card.featured .pricing-name em { color: var(--teal-bright); }
.pricing-tagline {
    font-size: 13px; line-height: 1.5;
    color: var(--ink-soft);
    margin-bottom: 22px;
    min-height: 36px;
}
.pricing-card.featured .pricing-tagline { color: rgba(255,255,255,0.7); }
.pricing-amount {
    font-family: var(--display);
    font-size: 38px; font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.025em;
    line-height: 1; margin-bottom: 4px;
}
.pricing-card.featured .pricing-amount { color: white; }
.pricing-amount .per {
    font-size: 14px; font-weight: 500;
    color: var(--ink-mute);
    margin-left: 4px;
}
.pricing-card.featured .pricing-amount .per { color: rgba(255,255,255,0.5); }
.pricing-amount.custom { font-size: 26px; }
.pricing-meta {
    font-size: 12px;
    color: var(--ink-mute);
    margin-bottom: 22px;
    line-height: 1.5;
}
.pricing-card.featured .pricing-meta { color: rgba(255,255,255,0.5); }
.pricing-cta {
    display: block;
    background: var(--navy);
    color: white;
    padding: 12px;
    border-radius: 999px;
    text-decoration: none;
    text-align: center;
    font-size: 13px; font-weight: 600;
    margin-bottom: 24px;
    transition: all 0.2s;
}
.pricing-cta:hover { background: var(--teal); color: var(--navy); }
.pricing-card.featured .pricing-cta { background: var(--teal); color: var(--navy); }
.pricing-card.featured .pricing-cta:hover { background: var(--teal-bright); }
.pricing-features-label {
    font-size: 10px; font-weight: 700;
    letter-spacing: 0.14em; text-transform: uppercase;
    color: var(--ink-mute);
    margin-bottom: 14px;
    padding-top: 18px;
    border-top: 1px solid var(--line);
}
.pricing-card.featured .pricing-features-label {
    color: rgba(255,255,255,0.5);
    border-top-color: rgba(255,255,255,0.10);
}
.pricing-features {
    list-style: none;
    display: flex; flex-direction: column;
    gap: 10px;
    flex: 1;
}
.pricing-features li {
    display: flex; align-items: flex-start;
    gap: 10px;
    font-size: 13px;
    line-height: 1.5;
    color: var(--ink-soft);
}
.pricing-card.featured .pricing-features li { color: rgba(255,255,255,0.85); }
.pricing-features li strong { color: var(--navy); font-weight: 700; display: block; margin-bottom: 2px; }
.pricing-card.featured .pricing-features li strong { color: white; }
.pricing-features li::before {
    content: '';
    flex-shrink: 0;
    margin-top: 5px;
    width: 14px; height: 14px;
    border-radius: 50%;
    background: var(--teal-soft);
    border: 1.5px solid var(--teal);
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14' fill='none' stroke='%2300B3A6' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 7l3 3 5-6'/%3E%3C/svg%3E");
    background-position: center; background-repeat: no-repeat;
}
.pricing-card.featured .pricing-features li::before {
    background-color: rgba(31, 211, 197, 0.15);
    border-color: var(--teal-bright);
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14' fill='none' stroke='%231FD3C5' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 7l3 3 5-6'/%3E%3C/svg%3E");
}
.pricing-disclaimer {
    text-align: center;
    margin-top: 36px;
    font-size: 13px;
    color: var(--ink-soft);
    font-style: italic;
}
.pricing-disclaimer a { color: var(--teal); text-decoration: none; font-weight: 600; }

/* MARKET AVAILABILITY DETAIL */
.markets { background: var(--cream); padding: 110px 40px; }
.markets-inner { max-width: 1080px; margin: 0 auto; }
.markets-header { text-align: center; margin-bottom: 50px; max-width: 760px; margin-left: auto; margin-right: auto; }
.markets-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.market-card {
    background: white;
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: 32px 32px;
}
.market-card.live { border-left: 4px solid var(--teal); }
.market-card.prep { border-left: 4px solid var(--gold); }
.market-card-status {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: 11px; font-weight: 700;
    letter-spacing: 0.14em; text-transform: uppercase;
    margin-bottom: 14px;
}
.market-card.live .market-card-status { color: var(--teal); }
.market-card.prep .market-card-status { color: var(--gold); }
.market-card-status::before {
    content: ''; width: 6px; height: 6px;
    border-radius: 50%;
}
.market-card.live .market-card-status::before {
    background: var(--teal); box-shadow: 0 0 8px var(--teal);
}
.market-card.prep .market-card-status::before { background: var(--gold); }
.market-card h3 { font-family: var(--display); font-size: 22px; font-weight: 700; color: var(--navy); letter-spacing: -0.02em; line-height: 1.2; margin-bottom: 12px; }
.market-card p { font-size: 14px; line-height: 1.6; color: var(--ink-soft); margin-bottom: 16px; }
.market-card-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.market-card-tag {
    font-size: 12px; font-weight: 600;
    color: var(--ink-soft);
    background: var(--cream);
    padding: 5px 12px;
    border-radius: 999px;
    border: 1px solid var(--line);
}
.market-card.prep .market-card-tag {
    background: var(--gold-soft);
    color: var(--gold);
    border-color: rgba(184, 146, 74, 0.20);
}

/* SIGNAL */
.signal { background: var(--paper); padding: 110px 40px; }
.signal-inner {
    max-width: 1080px; margin: 0 auto;
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 60px; align-items: center;
}
.signal-text h2 { font-family: var(--display); font-size: clamp(28px, 3.5vw, 40px); font-weight: 700; color: var(--navy); letter-spacing: -0.025em; line-height: 1.2; margin-bottom: 18px; }
.signal-text h2 em { font-style: normal; color: var(--teal); }
.signal-text p { font-size: 16px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 24px; }
.signal-stat {
    display: flex; align-items: center; gap: 16px;
    padding: 18px 22px;
    background: var(--cream);
    border-left: 3px solid var(--teal);
    border-radius: 0 12px 12px 0;
}
.signal-stat-num { font-family: var(--display); font-size: 32px; font-weight: 700; color: var(--teal); letter-spacing: -0.025em; line-height: 1; }
.signal-stat-label { font-size: 13px; font-weight: 600; color: var(--navy); }
.signal-visual {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
    border-radius: 20px;
    padding: 32px;
    color: white;
    aspect-ratio: 4/3;
    display: flex; flex-direction: column; gap: 12px;
    position: relative; overflow: hidden;
    justify-content: center;
}
.signal-visual::before { content: ''; position: absolute; top: -100px; right: -100px; width: 300px; height: 300px; background: radial-gradient(circle, rgba(0, 179, 166, 0.20) 0%, transparent 60%); pointer-events: none; }
.signal-bubble {
    position: relative; z-index: 1;
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.10);
    border-radius: 14px;
    padding: 14px 18px;
    max-width: 78%;
}
.signal-bubble.theirs { align-self: flex-start; background: rgba(0, 179, 166, 0.08); border-color: rgba(31, 211, 197, 0.25); }
.signal-bubble.yours { align-self: flex-end; background: rgba(255,255,255,0.06); }
.signal-bubble-meta { font-size: 10px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin-bottom: 4px; }
.signal-bubble.theirs .signal-bubble-meta { color: var(--teal-bright); }
.signal-bubble-text { font-size: 13px; color: rgba(255,255,255,0.9); line-height: 1.45; }

/* FAQ */
.faq { background: var(--cream); padding: 110px 40px; }
.faq-inner { max-width: 920px; margin: 0 auto; }
.faq-header { text-align: center; margin-bottom: 50px; }
.faq-list { display: flex; flex-direction: column; gap: 14px; counter-reset: faq; }
.faq-item { background: white; border: 1px solid var(--line); border-radius: 16px; padding: 24px 28px; transition: all 0.25s; }
.faq-item:hover { border-color: var(--teal); }
.faq-item summary { font-family: var(--display); font-size: 17px; font-weight: 600; color: var(--navy); letter-spacing: -0.015em; cursor: pointer; display: flex; align-items: center; list-style: none; gap: 18px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::before { counter-increment: faq; content: counter(faq); font-size: 12px; font-weight: 700; color: var(--teal); background: var(--teal-soft); width: 28px; height: 28px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; font-family: var(--display); }
.faq-item summary::after { content: '+'; font-family: var(--display); font-size: 24px; font-weight: 400; color: var(--teal); flex-shrink: 0; transition: transform 0.2s; line-height: 1; margin-left: auto; }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-answer { font-size: 15px; line-height: 1.7; color: var(--ink-soft); margin-top: 18px; padding-top: 18px; border-top: 1px solid var(--line); padding-left: 46px; }
.faq-answer ul { margin: 12px 0 12px 18px; }
.faq-answer li { padding: 4px 0; }

/* CONTACT FORM */
.contact { background: var(--paper); padding: 110px 40px; }
.contact-inner {
    max-width: 1080px; margin: 0 auto;
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 60px; align-items: center;
}
.contact-text h2 { font-family: var(--display); font-size: clamp(34px, 4.5vw, 48px); font-weight: 700; color: var(--navy); letter-spacing: -0.025em; line-height: 1.15; margin-bottom: 18px; }
.contact-text h2 em { font-style: normal; color: var(--teal); }
.contact-text p { font-size: 17px; line-height: 1.55; color: var(--ink-soft); margin-bottom: 24px; }
.contact-form {
    background: var(--cream);
    border-radius: 24px;
    padding: 36px 32px;
}
.contact-form h3 { font-family: var(--display); font-size: 19px; font-weight: 700; color: var(--navy); letter-spacing: -0.015em; margin-bottom: 20px; }
.form-group { margin-bottom: 14px; }
.form-group input, .form-group select, .form-group textarea {
    width: 100%;
    padding: 13px 16px;
    border-radius: 10px;
    border: 1px solid rgba(10, 37, 64, 0.14);
    background: white;
    font-family: var(--body);
    font-size: 14px;
    color: var(--navy);
    outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--teal); }
.form-group textarea { resize: vertical; min-height: 80px; }
.form-submit {
    width: 100%;
    background: var(--navy); color: white;
    padding: 14px;
    border-radius: 999px;
    border: none;
    font-family: var(--body);
    font-size: 14px; font-weight: 600;
    cursor: pointer;
    transition: all 0.25s;
    margin-top: 6px;
}
.form-submit:hover { background: var(--teal); color: var(--navy); }
.form-disclaimer {
    font-size: 11px; color: var(--ink-mute);
    margin-top: 12px;
    line-height: 1.5;
    text-align: center;
}

/* FOOTER */
footer { background: var(--navy-deep); color: rgba(255,255,255,0.7); padding: 90px 40px 40px; position: relative; overflow: hidden; }
footer::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(0, 179, 166, 0.4) 30%, rgba(184, 146, 74, 0.4) 70%, transparent); }
.footer-inner { max-width: 1280px; margin: 0 auto; position: relative; }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr; gap: 80px; padding-bottom: 60px; border-bottom: 1px solid rgba(255,255,255,0.10); margin-bottom: 60px; }
.footer-brand .logo-wrap { display: inline-flex; }
.footer-brand .logo-text { color: white; }
.footer-brand p { font-size: 15px; line-height: 1.6; color: rgba(255,255,255,0.6); max-width: 420px; margin-top: 24px; }
.footer-newsletter h5 { font-size: 13px; font-weight: 700; color: white; margin-bottom: 8px; }
.footer-newsletter p { font-size: 14px; color: rgba(255,255,255,0.55); margin-bottom: 18px; line-height: 1.55; }
.footer-newsletter form { display: flex; gap: 8px; }
.footer-newsletter input { flex: 1; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); color: white; padding: 12px 16px; border-radius: 8px; font-family: var(--body); font-size: 14px; outline: none; }
.footer-newsletter button { background: var(--teal); color: var(--navy-deep); padding: 12px 20px; border-radius: 8px; border: none; font-size: 14px; font-weight: 700; cursor: pointer; font-family: var(--body); }
.footer-section-divider { display: grid; grid-template-columns: auto 1fr auto; gap: 24px; align-items: center; margin-bottom: 32px; }
.footer-section-divider .label { font-size: 11px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; }
.footer-section-divider .label.teal { color: var(--teal-bright); }
.footer-section-divider .label.gold { color: var(--gold-bright); }
.footer-section-divider .line { height: 1px; background: rgba(255,255,255,0.10); }
.footer-solutions { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; padding-bottom: 50px; margin-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,0.10); }
.footer-solution { border-left: 2px solid rgba(255,255,255,0.10); padding-left: 28px; }
.footer-solution.defensive { border-left-color: var(--teal); }
.footer-solution.investigative { border-left-color: var(--gold); }
.footer-solution h5 { font-family: var(--display); font-size: 18px; font-weight: 700; color: white; margin-bottom: 4px; letter-spacing: -0.02em; }
.footer-solution h5 em { font-style: normal; }
.footer-solution.defensive h5 em { color: var(--teal-bright); }
.footer-solution.investigative h5 em { color: var(--gold-bright); }
.footer-solution .audience-line { font-size: 11px; font-weight: 600; color: rgba(255,255,255,0.45); margin-bottom: 18px; }
.footer-solution-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 20px; list-style: none; }
.footer-solution-grid li a { color: rgba(255,255,255,0.85); font-size: 14px; text-decoration: none; display: block; padding: 4px 0; }
.footer-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 60px; padding-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,0.10); }
.footer-col h4 { font-size: 11px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin-bottom: 22px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer-col a { color: white; text-decoration: none; font-size: 14px; }
.footer-col li.future, .footer-col li.prep, .footer-col li.future-2027 { color: rgba(255,255,255,0.55); font-size: 14px; display: flex; align-items: center; justify-content: space-between; gap: 8px; }
.footer-col li.future::after, .footer-col li.prep::after, .footer-col li.future-2027::after { font-size: 9px; font-weight: 700; letter-spacing: 0.10em; text-transform: uppercase; background: rgba(0, 179, 166, 0.12); color: var(--teal-bright); padding: 3px 7px; border-radius: 4px; border: 1px solid rgba(0, 179, 166, 0.20); }
.footer-col li.future::after { content: 'next'; }
.footer-col li.prep::after { content: 'in prep'; }
.footer-col li.future-2027::after { content: '2027'; background: rgba(184, 146, 74, 0.12); color: var(--gold-bright); border-color: rgba(184, 146, 74, 0.20); }
.footer-bottom { padding-top: 40px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 20px; }
.footer-bottom-left { display: flex; align-items: center; gap: 16px; font-size: 12px; color: rgba(255,255,255,0.45); }
.footer-bottom-left .sep { width: 4px; height: 4px; border-radius: 50%; background: rgba(255,255,255,0.2); }
.footer-bottom-right { display: flex; align-items: center; gap: 28px; font-size: 12px; }
.footer-bottom-right a { color: rgba(255,255,255,0.55); text-decoration: none; }
.footer-social { display: flex; gap: 10px; margin-left: 20px; padding-left: 20px; border-left: 1px solid rgba(255,255,255,0.10); }
.footer-social a { width: 32px; height: 32px; border-radius: 8px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.10); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.6); }
.footer-social svg { width: 14px; height: 14px; }

@media (max-width: 1024px) {
    .why-grid { grid-template-columns: 1fr 1fr; }
    .lifecycle-grid { grid-template-columns: 1fr; }
    .insurance-inner { grid-template-columns: 1fr; gap: 40px; }
    .pricing-grid { grid-template-columns: 1fr 1fr; }
    .markets-grid { grid-template-columns: 1fr; }
    .signal-inner { grid-template-columns: 1fr; gap: 40px; }
    .contact-inner { grid-template-columns: 1fr; gap: 32px; }
}
@media (max-width: 900px) {
    .audience-tabs { display: none; }
    .nav-links { display: none; }
    .why-grid { grid-template-columns: 1fr; }
    .pricing-grid { grid-template-columns: 1fr; }
    .market-banner-inner { flex-direction: column; align-items: flex-start; }
    .footer-top { grid-template-columns: 1fr; gap: 40px; }
    .footer-solutions { grid-template-columns: 1fr; gap: 36px; }
    .footer-solution-grid { grid-template-columns: 1fr; }
    .footer-cols { grid-template-columns: 1fr; gap: 36px; }
    .footer-bottom { flex-direction: column; align-items: flex-start; gap: 20px; }
    .footer-bottom-right { flex-direction: column; align-items: flex-start; gap: 16px; }
    .footer-social { margin-left: 0; padding-left: 0; border-left: none; }
    .hero, .problem, .why, .lifecycle, .insurance, .pricing, .markets, .signal, .faq, .contact { padding: 70px 24px; }
}