/* ==========================================================================
   George Mathew Associates — site.css
   Palette: evergreen + limestone. Amber (--flag) is RESERVED for placeholder
   content only. Rust (--erode) is RESERVED for data-viz "what gets taken".
   Never use either for ordinary UI accents or the flagging stops working.
   ========================================================================== */

:root{
  --ink:#16221C;
  --ever:#1F3D30;
  --ever-2:#2C5343;
  --sage:#6E8C7B;
  --sage-2:#C9D8CE;
  --sage-3:#E4EDE7;
  --stone:#F2F0EA;
  --stone-2:#E6E2D8;
  --paper:#FBFAF7;
  --flag:#D89B3D;        /* placeholder flags ONLY */
  --erode:#A8523A;       /* data viz: tax / loss ONLY */
  --white:#fff;

  --ff-disp:"Fraunces",Georgia,"Times New Roman",serif;
  --ff-body:"Public Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --ff-mono:"JetBrains Mono",ui-monospace,SFMono-Regular,Menlo,monospace;

  --wrap:1140px;
  --r:3px;
  --shadow:0 1px 2px rgba(22,34,28,.06),0 8px 24px -12px rgba(22,34,28,.18);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--ff-body);font-size:17px;line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%}
a{color:var(--ever-2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--ever)}
:focus-visible{outline:2.5px solid var(--ever-2);outline-offset:2px;border-radius:2px}
.skip-link{
  position:fixed;left:16px;top:12px;z-index:1000;transform:translateY(-180%);
  background:var(--white);color:var(--ever);border:2px solid var(--ever);
  padding:9px 13px;border-radius:var(--r);font-weight:700;text-decoration:none;
}
.skip-link:focus{transform:translateY(0)}
.sr-only{
  position:absolute!important;width:1px!important;height:1px!important;padding:0!important;
  margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;
  white-space:nowrap!important;border:0!important;
}

h1,h2,h3,h4{font-family:var(--ff-disp);font-weight:500;line-height:1.16;margin:0 0 .5em;color:var(--ever);letter-spacing:-.012em}
h1{font-size:clamp(2.15rem,5.2vw,3.5rem)}
h2{font-size:clamp(1.6rem,3.4vw,2.35rem)}
h3{font-size:1.22rem}
h4{font-size:1.02rem;font-family:var(--ff-body);font-weight:700}
p{margin:0 0 1.1em}
.lede{font-size:clamp(1.06rem,2vw,1.28rem);line-height:1.58;color:#33463C;max-width:62ch}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
section{padding:clamp(48px,7vw,86px) 0}
.sec-tight{padding:clamp(32px,4vw,52px) 0}

/* eyebrow — encodes section role, not decoration */
.eyebrow{
  font-family:var(--ff-mono);font-size:.7rem;font-weight:500;
  letter-spacing:.14em;text-transform:uppercase;color:var(--sage);
  margin:0 0 .9em;display:flex;align-items:center;gap:.6em;
}
.eyebrow::after{content:"";height:1px;flex:1;background:var(--sage-2);max-width:80px}

/* -------------------------------------------------- placeholder flagging */
.ph-flag{
  background:rgba(216,155,61,.16);border-bottom:1.5px dashed var(--flag);
  color:#7A5410;padding:0 .28em;border-radius:2px;font-style:normal;
}
.ph-block{
  border:1.5px dashed var(--flag);background:rgba(216,155,61,.07);
  border-radius:var(--r);padding:20px 22px;margin:0 0 1.2em;
}
.ph-block > :last-child{margin-bottom:0}
.ph-tag{
  display:inline-block;font-family:var(--ff-mono);font-size:.66rem;letter-spacing:.1em;
  text-transform:uppercase;color:#7A5410;background:rgba(216,155,61,.25);
  padding:2px 7px;border-radius:2px;margin-bottom:.7em;
}

/* -------------------------------------------------- header */
.hdr{position:sticky;top:0;z-index:60;background:rgba(251,250,247,.94);backdrop-filter:blur(9px);border-bottom:1px solid var(--stone-2)}
.hdr-in{max-width:var(--wrap);margin:0 auto;padding:13px 24px;display:flex;align-items:center;gap:20px}
.mark{display:flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0}
.mark-glyph{width:30px;height:30px;flex-shrink:0}
.mark-txt{display:flex;flex-direction:column;line-height:1.03}
.mark-name{font-family:var(--ff-disp);font-size:1.03rem;font-weight:600;color:var(--ever)}
.mark-sub{font-family:var(--ff-mono);font-size:.6rem;letter-spacing:.19em;text-transform:uppercase;color:var(--sage)}
.nav{display:flex;gap:26px;margin-left:auto}
.nav a{font-size:.9rem;font-weight:500;color:#3B4A42;text-decoration:none;padding:5px 0;border-bottom:2px solid transparent}
.nav a:hover{color:var(--ever);border-bottom-color:var(--sage-2)}
.nav a.here{color:var(--ever);border-bottom-color:var(--ever)}
.hdr-cta{display:flex;align-items:center;gap:12px}
.burger{display:none;background:none;border:0;padding:9px;cursor:pointer;flex-direction:column;gap:4.5px}
.burger span{display:block;width:22px;height:2px;background:var(--ever);border-radius:2px;transition:.22s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}

/* -------------------------------------------------- buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--ff-body);font-size:.92rem;font-weight:600;line-height:1;
  padding:13px 20px;border-radius:var(--r);border:1.5px solid transparent;
  text-decoration:none;cursor:pointer;transition:.16s;white-space:nowrap;
}
.btn-primary{background:var(--ever);color:var(--white);border-color:var(--ever)}
.btn-primary:hover{background:var(--ever-2);border-color:var(--ever-2);color:var(--white)}
.btn-ghost{background:transparent;color:var(--ever);border-color:var(--sage-2)}
.btn-ghost:hover{border-color:var(--sage);background:var(--sage-3);color:var(--ever)}
.btn-light{background:var(--white);color:var(--ever);border-color:var(--white)}
.btn-light:hover{background:var(--stone);color:var(--ever)}
.btn-sm{padding:9px 14px;font-size:.83rem}

/* -------------------------------------------------- hero */
.hero{background:linear-gradient(168deg,var(--stone) 0%,var(--sage-3) 100%);border-bottom:1px solid var(--stone-2);padding:clamp(52px,7vw,88px) 0}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(32px,5vw,60px);align-items:center}
.hero h1{margin-bottom:.42em}
.hero .lede{margin-bottom:1.7em}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px}
.hero-sub{font-size:.86rem;color:var(--sage);margin:1.5em 0 0;font-family:var(--ff-mono);letter-spacing:.02em}

/* page head for interior pages */
.phead{background:var(--stone);border-bottom:1px solid var(--stone-2);padding:clamp(38px,5vw,62px) 0}
.phead h1{margin-bottom:.3em}
.phead .lede{margin-bottom:0}

/* -------------------------------------------------- cards */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}

.card{background:var(--white);border:1px solid var(--stone-2);border-radius:var(--r);padding:26px 24px;transition:.18s}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
a.card{text-decoration:none;color:inherit;display:block}
a.card:hover{border-color:var(--sage);box-shadow:var(--shadow);transform:translateY(-2px)}

/* tool card — the site's main product */
.tool-card{display:flex;flex-direction:column;gap:0;background:var(--white);border:1px solid var(--stone-2);border-radius:var(--r);padding:0;overflow:hidden;text-decoration:none;color:inherit;transition:.18s}
.tool-card:hover{border-color:var(--sage);box-shadow:var(--shadow);transform:translateY(-2px)}
.tool-card-top{padding:24px 24px 0;flex:1}
.tool-card h3{margin-bottom:.35em;font-size:1.14rem}
.tool-card p{font-size:.92rem;color:#4A5A51;margin-bottom:1.2em}
.tool-card-foot{
  padding:12px 24px;border-top:1px solid var(--stone-2);background:var(--stone);
  font-family:var(--ff-mono);font-size:.72rem;letter-spacing:.09em;text-transform:uppercase;
  color:var(--ever-2);display:flex;justify-content:space-between;align-items:center;gap:10px;
}
.tool-card-foot span:last-child{color:var(--sage)}

/* -------------------------------------------------- calculator shell */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.02fr);gap:clamp(24px,3.5vw,44px);align-items:start}
.calc-inputs{background:var(--white);border:1px solid var(--stone-2);border-radius:var(--r);padding:clamp(20px,2.6vw,30px)}
.calc-out{position:sticky;top:86px}

fieldset{border:0;padding:0;margin:0 0 26px}
fieldset:last-of-type{margin-bottom:0}
legend{
  font-family:var(--ff-mono);font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;
  color:var(--sage);padding:0;margin-bottom:14px;width:100%;
  border-bottom:1px solid var(--sage-2);padding-bottom:7px;
}
.field{margin-bottom:16px}
.field:last-child{margin-bottom:0}
.field label{display:block;font-size:.88rem;font-weight:600;color:#2B3A33;margin-bottom:5px}
.hint{font-size:.79rem;color:#63736A;margin:4px 0 0;line-height:1.45}

/* 16px minimum on inputs — below this iOS Safari force-zooms on focus */
input[type=text],input[type=number],input[type=email],input[type=tel],select,textarea{
  width:100%;font-family:var(--ff-body);font-size:16px;color:var(--ink);
  padding:11px 13px;border:1.5px solid var(--stone-2);border-radius:var(--r);
  background:var(--paper);transition:.15s;
}
input:focus,select:focus,textarea:focus{border-color:var(--sage);background:var(--white);outline:none;box-shadow:0 0 0 3px rgba(110,140,123,.16)}
.money{position:relative}
.money input{padding-left:29px;font-family:var(--ff-mono);font-variant-numeric:tabular-nums}
.money::before{content:"$";position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--sage);font-family:var(--ff-mono);font-size:15px;pointer-events:none;z-index:1}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}

.check{display:flex;gap:11px;align-items:flex-start;padding:11px 13px;border:1.5px solid var(--stone-2);border-radius:var(--r);margin-bottom:9px;cursor:pointer;background:var(--paper);transition:.15s}
.check:hover{border-color:var(--sage-2);background:var(--white)}
.check input{margin:2px 0 0;width:17px;height:17px;flex-shrink:0;accent-color:var(--ever)}
.check-t{font-size:.9rem;font-weight:600;color:#2B3A33;display:block}
.check-d{font-size:.79rem;color:#63736A;display:block;margin-top:2px;line-height:1.45}
.check:has(input:checked){border-color:var(--sage);background:var(--sage-3)}

/* -------------------------------------------------- results */
.result{background:var(--ever);color:var(--sage-2);border-radius:var(--r);padding:clamp(22px,2.6vw,30px);margin-bottom:16px}
.result h3{color:var(--white);font-size:1.06rem;margin-bottom:1em;font-family:var(--ff-body);font-weight:700}
.headline-num{
  font-family:var(--ff-mono);font-size:clamp(2rem,5.2vw,2.9rem);font-weight:500;
  color:var(--white);line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums;
  display:block;margin-bottom:.22em;
}
.headline-lbl{font-size:.86rem;color:var(--sage);display:block}

.lines{margin:20px 0 0;border-top:1px solid rgba(201,216,206,.22);padding-top:6px}
.line{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:8px 0;border-bottom:1px solid rgba(201,216,206,.12);font-size:.89rem}
.line:last-child{border-bottom:0}
.line-k{color:var(--sage-2)}
.line-v{font-family:var(--ff-mono);font-variant-numeric:tabular-nums;color:var(--white);white-space:nowrap}
.line.total{border-top:1px solid rgba(201,216,206,.3);margin-top:5px;padding-top:12px;font-weight:600}
.line.total .line-k{color:var(--white)}
.line.sub .line-k{padding-left:14px;color:var(--sage);font-size:.84rem}
.line.sub .line-v{color:var(--sage-2);font-size:.84rem}
.line-v.erode{color:#E8A48E}
.line-v.keep{color:#A8D5BC}

/* split bar — the signature viz: what reaches heirs vs what's taken */
.split{margin:22px 0 0}
.split-bar{display:flex;height:38px;border-radius:2px;overflow:hidden;background:rgba(0,0,0,.18)}
.split-seg{display:flex;align-items:center;justify-content:center;font-family:var(--ff-mono);font-size:.72rem;color:#fff;transition:width .45s cubic-bezier(.4,0,.2,1);overflow:hidden;white-space:nowrap;min-width:0}
.seg-keep{background:var(--sage)}
.seg-erode{background:var(--erode)}
.split-key{display:flex;flex-wrap:wrap;gap:16px;margin-top:11px;font-size:.79rem;color:var(--sage-2)}
.split-key span{display:flex;align-items:center;gap:6px}
.dot{width:9px;height:9px;border-radius:2px;flex-shrink:0}
.dot-keep{background:var(--sage)}
.dot-erode{background:var(--erode)}

.note{background:var(--sage-3);border-left:3px solid var(--sage);padding:15px 18px;border-radius:0 var(--r) var(--r) 0;font-size:.88rem;line-height:1.55;color:#33463C;margin-bottom:16px}
.note strong{color:var(--ever)}
.note p:last-child{margin-bottom:0}

.disclaim{font-size:.79rem;line-height:1.55;color:#63736A;border-top:1px solid var(--stone-2);padding-top:14px;margin-top:4px}

/* readiness checklist scoring */
.score-ring{display:flex;align-items:center;gap:20px;margin-bottom:18px}
.gap-item{background:var(--white);border:1px solid var(--stone-2);border-left:3px solid var(--erode);border-radius:0 var(--r) var(--r) 0;padding:14px 17px;margin-bottom:10px}
.gap-item.ok{border-left-color:var(--sage)}
.gap-item h4{margin-bottom:.25em;font-size:.94rem}
.gap-item p{font-size:.85rem;color:#4A5A51;margin:0}

/* -------------------------------------------------- misc blocks */
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--stone-2);border:1px solid var(--stone-2);border-radius:var(--r);overflow:hidden}
.stat{background:var(--white);padding:22px 20px;text-align:center}
.stat-n{font-family:var(--ff-mono);font-size:1.7rem;color:var(--ever);display:block;line-height:1.1;margin-bottom:.25em;font-variant-numeric:tabular-nums}
.stat-l{font-size:.82rem;color:#5A6A61;line-height:1.4}

.cta-band{background:var(--ever);color:var(--sage-2);text-align:center}
.cta-band h2{color:var(--white)}
.cta-band p{max-width:56ch;margin:0 auto 1.6em;color:var(--sage-2)}
.cta-band .wrap > a{margin:0 6px 8px}

.verify{display:flex;gap:15px;align-items:flex-start;background:var(--sage-3);border:1px solid var(--sage-2);border-radius:var(--r);padding:19px 21px;color:var(--ever)}
.verify svg{flex-shrink:0;color:var(--sage);margin-top:2px}
.verify-t{font-weight:700;font-size:.95rem;margin-bottom:.25em;color:var(--ever)}
.verify p{font-size:.86rem;margin:0;color:#33463C;line-height:1.55}

details.faq{border-bottom:1px solid var(--stone-2);padding:2px 0}
details.faq summary{cursor:pointer;padding:15px 0;font-weight:600;font-size:1rem;color:var(--ever);list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";font-family:var(--ff-mono);font-size:1.2rem;color:var(--sage);flex-shrink:0}
details.faq[open] summary::after{content:"\2212"}
details.faq .faq-body{padding:0 0 16px;font-size:.94rem;color:#3B4A42}
details.faq .faq-body p:last-child{margin-bottom:0}

.tbl{width:100%;border-collapse:collapse;font-size:.9rem}
.tbl th,.tbl td{text-align:left;padding:11px 13px;border-bottom:1px solid var(--stone-2)}
.tbl th{font-family:var(--ff-mono);font-size:.7rem;letter-spacing:.09em;text-transform:uppercase;color:var(--sage);font-weight:500}
.tbl td.num{font-family:var(--ff-mono);text-align:right;font-variant-numeric:tabular-nums}
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* -------------------------------------------------- footer */
.ftr{background:var(--ever);color:var(--sage-2);padding:52px 0 26px;font-size:.88rem}
.ftr-in{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.ftr-top{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:34px;padding-bottom:30px;border-bottom:1px solid rgba(201,216,206,.2)}
.ftr .mark-name{color:var(--white)}
.ftr .mark-sub{color:var(--sage)}
.ftr-blurb{margin:14px 0 0;color:var(--sage-2);max-width:38ch;line-height:1.6}
.ftr h2,.ftr h4{color:var(--white);font-size:.74rem;font-family:var(--ff-mono);letter-spacing:.13em;text-transform:uppercase;margin-bottom:1em;font-weight:500}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:8px}
.ftr a{color:var(--sage-2);text-decoration:none}
.ftr a:hover{color:var(--white);text-decoration:underline}
.ftr-legal{padding:24px 0;border-bottom:1px solid rgba(201,216,206,.2);font-size:.79rem;line-height:1.62;color:#9FB5A8}
.ftr-legal p{margin:0 0 .85em}
.ftr-legal p:last-child{margin:0}
.ftr-legal strong{color:var(--sage-2)}
.ftr-btm{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;padding-top:20px;font-size:.79rem;color:#9FB5A8}

/* -------------------------------------------------- responsive */
@media (max-width:960px){
  .calc{grid-template-columns:1fr}
  .calc-out{position:static}
  .hero-grid{grid-template-columns:1fr;gap:32px}
  .g4{grid-template-columns:repeat(2,1fr)}
  .ftr-top{grid-template-columns:1fr 1fr;gap:26px}
}
@media (max-width:760px){
  body{font-size:16px}
  .burger{display:flex}
  .nav{
    display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);
    flex-direction:column;gap:0;padding:6px 24px 16px;border-bottom:1px solid var(--stone-2);
    box-shadow:var(--shadow);
  }
  .nav.open{display:flex}
  .nav a{padding:13px 0;border-bottom:1px solid var(--stone-2)}
  .nav a.here{border-bottom-color:var(--stone-2)}
  /* keep the primary CTA visible on mobile — it used to vanish here */
  .hdr-cta .btn{padding:10px 14px;font-size:.82rem}
  .hdr-in{gap:10px;padding:11px 18px}
  .wrap{padding:0 18px}
  .g2,.g3,.g4{grid-template-columns:1fr}
  .stat-row{grid-template-columns:1fr}
  .row2{grid-template-columns:1fr}
  .ftr-top{grid-template-columns:1fr}
  .split-seg{font-size:.66rem}
}
@media (max-width:420px){
  .mark-name{font-size:.94rem}
  .hdr-cta .btn{padding:9px 11px;font-size:.76rem}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}
}

@media print{
  .hdr,.ftr,.cta-band,.burger,.hero-btns{display:none}
  body{background:#fff;font-size:12pt}
  .result{background:#fff;color:#000;border:1.5px solid #000}
  .headline-num,.line-v,.result h3{color:#000}
  .line-k{color:#333}
}


/* Founder portrait — About page */
.founder-feature{display:grid;grid-template-columns:minmax(220px,.78fr) minmax(0,1.45fr);gap:clamp(1.5rem,5vw,3rem);align-items:start;margin:1.75rem 0 3rem}
.founder-portrait{margin:0}
.founder-portrait img{display:block;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;border-radius:2px;border:1px solid rgba(31,61,48,.12);box-shadow:none}
.founder-portrait figcaption{display:flex;justify-content:space-between;gap:1rem;align-items:baseline;margin-top:.8rem;padding-top:.7rem;border-top:1px solid rgba(31,61,48,.2);color:#1F3D30}
.founder-portrait figcaption strong{font-family:"Fraunces",Georgia,serif;font-size:1.05rem;font-weight:600}
.founder-portrait figcaption span{font-family:"JetBrains Mono",monospace;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:#6E8C7B}
.founder-feature-copy>h2:first-child{margin-top:0}
@media (max-width:720px){.founder-feature{grid-template-columns:1fr;gap:1.65rem}.founder-portrait{width:min(100%,390px);margin-inline:auto}.founder-feature-copy>h2:first-child{margin-top:.25rem}}


/* Founder story pull quote */
.founder-quote{margin:1.75rem 0;padding:.15rem 0 .15rem 1.2rem;border-left:2px solid #A8752C;font-family:"Fraunces",Georgia,serif;font-size:clamp(1.25rem,2.6vw,1.6rem);font-weight:500;line-height:1.35;color:#1F3D30}


/* FAQ page */
.faq-section{padding-top:clamp(3rem,7vw,5.5rem);padding-bottom:clamp(4rem,8vw,7rem)}
.faq-intro{margin:0 0 2rem;padding:1.15rem 1.3rem;border-left:3px solid #6E8C7B;background:rgba(201,216,206,.34);color:#294A3B}
.faq-intro p{margin:0}
.faq-list{border-top:1px solid rgba(31,61,48,.2)}
.faq-item{border-bottom:1px solid rgba(31,61,48,.2)}
.faq-item summary{position:relative;padding:1.35rem 3rem 1.35rem 0;cursor:pointer;list-style:none;font-family:"Fraunces",Georgia,serif;font-size:clamp(1.12rem,2.2vw,1.35rem);font-weight:500;line-height:1.35;color:#1F3D30}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:.2rem;top:50%;transform:translateY(-50%);font-family:"Public Sans",sans-serif;font-size:1.5rem;font-weight:400;color:#A8752C}
.faq-item[open] summary::after{content:"−"}
.faq-item summary:focus-visible{outline:2px solid #A8752C;outline-offset:4px;border-radius:2px}
.faq-answer{max-width:74ch;padding:0 2.75rem 1.5rem 0;color:#354C42}
.faq-answer p{margin:.1rem 0 1rem}
.faq-answer p:last-child{margin-bottom:0}
.faq-source{font-size:.82rem;line-height:1.55;color:#60756B}
.faq-source a{color:#315E4A;text-underline-offset:3px}
@media (max-width:640px){.faq-item summary{padding-right:2.25rem}.faq-answer{padding-right:0}.faq-intro{padding:1rem 1.05rem}}


/* Carrier relationships page */
@media (min-width:761px){
  .nav{gap:clamp(12px,1.35vw,22px)}
  .nav a{font-size:clamp(.79rem,1vw,.9rem);white-space:nowrap}
}
.carrier-hero{padding-bottom:clamp(3.5rem,7vw,5.75rem)}
.mga-section{padding:clamp(2.75rem,6vw,4.75rem) 0;background:var(--white);border-bottom:1px solid var(--stone-2)}
.mga-card{display:grid;grid-template-columns:minmax(220px,300px) 1fr;overflow:hidden;background:var(--ever);border-radius:var(--r);box-shadow:var(--shadow)}
.mga-logo{display:flex;align-items:center;justify-content:center;min-height:210px;padding:2.25rem;background:#183328;border-right:1px solid rgba(255,255,255,.12)}
.mga-logo img{display:block;width:min(176px,100%);height:auto}
.mga-copy{padding:clamp(1.75rem,4vw,3rem);color:var(--white)}
.mga-copy .eyebrow{color:#E5B765}
.mga-copy h2{color:var(--white);margin-bottom:.7rem}
.mga-copy>p{max-width:72ch;color:#E7EFEA}
.mga-copy .mga-note{margin:.9rem 0 0;padding-top:.9rem;border-top:1px solid rgba(255,255,255,.14);font-size:.88rem;color:#C9D8CE}
.carrier-section{padding-top:clamp(3.5rem,7vw,5.75rem);padding-bottom:clamp(4rem,8vw,6.5rem)}
.carrier-intro{max-width:760px;margin-bottom:2.25rem}
.carrier-intro>p:last-child{color:#354C42;max-width:68ch}
.carrier-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin:0 0 2rem}
.carrier-card{display:flex;min-height:166px;flex-direction:column;align-items:center;justify-content:center;gap:1.1rem;padding:1.35rem;background:var(--white);border:1px solid var(--stone-2);border-radius:var(--r);box-shadow:0 1px 0 rgba(22,34,28,.025);text-align:center;text-decoration:none;transition:transform .16s,border-color .16s,box-shadow .16s}
.carrier-card:hover{transform:translateY(-2px);border-color:var(--sage);box-shadow:var(--shadow)}
.carrier-card img{display:block;width:100%;height:68px;max-width:190px;object-fit:contain}
.carrier-card span{font-size:.87rem;font-weight:600;line-height:1.35;color:var(--ever)}
.carrier-disclosure{max-width:900px;margin-top:2rem;padding:1.35rem 1.5rem;border-left:3px solid var(--sage);background:rgba(201,216,206,.30)}
.carrier-disclosure h3{font-size:1.13rem;margin-bottom:.35rem}
.carrier-disclosure p{margin:0;color:#354C42;font-size:.94rem}
.carrier-process{background:var(--stone);border-top:1px solid var(--stone-2);border-bottom:1px solid var(--stone-2)}
.carrier-process-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(1.5rem,4vw,3.5rem);margin-top:1.75rem}
.carrier-process-grid article{position:relative;padding-top:1.1rem;border-top:1px solid var(--sage-2)}
.carrier-process-grid article>span{display:block;margin-bottom:.75rem;font-family:var(--ff-mono);font-size:.68rem;letter-spacing:.12em;color:var(--sage)}
.carrier-process-grid h2{font-size:clamp(1.3rem,2.3vw,1.72rem)}
.carrier-process-grid p{margin:0;color:#354C42;font-size:.95rem}
@media (max-width:980px){.carrier-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:720px){.carrier-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.carrier-process-grid{grid-template-columns:1fr;gap:1.75rem}.carrier-card{min-height:150px}}
@media (max-width:720px){.mga-card{grid-template-columns:1fr}.mga-logo{min-height:150px;border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}}
@media (max-width:430px){.carrier-grid{grid-template-columns:1fr}.carrier-card{min-height:142px}}


/* Carrier logo balance v2 */
.carrier-card{min-height:178px}
.carrier-logo-stage{display:flex;align-items:center;justify-content:center;width:100%;height:82px}
.carrier-logo-stage img{display:block;width:auto;height:auto;max-width:190px;max-height:74px;object-fit:contain}
.carrier-logo-stage img[src$="assumption-life.png"]{max-width:198px;max-height:62px}
.carrier-logo-stage img[src$="bmo-insurance.svg"]{max-width:178px;max-height:64px}
.carrier-logo-stage img[src$="canada-life.svg"]{max-width:210px;max-height:74px}
.carrier-logo-stage img[src$="desjardins.svg"]{max-width:66px;max-height:66px}
.carrier-logo-stage img[src$="empire-life.png"]{max-width:174px;max-height:74px}
.carrier-logo-stage img[src$="equitable-life.svg"]{max-width:210px;max-height:66px}
.carrier-logo-stage img[src$="ia-financial-group.svg"]{max-width:66px;max-height:66px}
.carrier-logo-stage img[src$="ivari.svg"]{max-width:130px;max-height:82px}
.carrier-logo-stage img[src$="manulife.svg"]{max-width:190px;max-height:62px}
.carrier-logo-stage img[src$="rbc-insurance.svg"]{max-width:62px;max-height:74px}
.carrier-logo-stage img[src$="sun-life.svg"]{max-width:66px;max-height:66px}