/* ==========================================================================
   Aviva Life Insurance — shared design foundation
   Accent: terracotta #D85A30 | Success: teal #0F6E56
   Flat modern fintech — no gradients, minimal shadows, 12px rounded cards
   ========================================================================== */

:root {
  --accent: #1B3F9E;        /* Aviva blue */
  --accent-dark: #142F78;
  --accent-tint: #E9EDFA;
  --gold: #F5B301;          /* gold CTA */
  --gold-dark: #DDA000;
  --success: #0F7A4A;
  --success-tint: #E6F3EC;

  --text: #1F2933;
  --text-muted: #52606D;
  --text-soft: #7B8794;
  --border: #E4E7EB;
  --bg: #FFFFFF;
  --bg-soft: #F7F8FA;
  --bg-softer: #FAFBFC;

  --radius: 12px;
  --radius-sm: 8px;
  --radius-pill: 999px;
  --shadow: 0 1px 3px rgba(31, 41, 51, 0.06);
  --shadow-md: 0 4px 16px rgba(31, 41, 51, 0.08);

  --container: 1160px;
  --nav-h: 68px;

  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 { line-height: 1.2; font-weight: 700; color: var(--text); letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 5vw, 3.1rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.3rem); }
h3 { font-size: 1.25rem; }
p { color: var(--text-muted); }

/* Accessibility: visible focus rings */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 3px;
}
.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--accent); color: #fff; padding: 12px 18px; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* Layout ------------------------------------------------------------------ */
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 72px 0; }
.section--soft { background: var(--bg-soft); }
.section-head { max-width: 640px; margin: 0 auto 48px; text-align: center; }
.section-head p { margin-top: 12px; font-size: 1.05rem; }
.eyebrow {
  display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--accent); margin-bottom: 12px;
}

.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* Buttons ----------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px; justify-content: center;
  font-family: var(--font); font-size: 0.95rem; font-weight: 600; cursor: pointer;
  padding: 12px 22px; border-radius: var(--radius-pill); border: 1.5px solid transparent;
  transition: background .15s, color .15s, border-color .15s; text-decoration: none;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); }
.btn-gold { background: var(--gold); color: #1a1a1a; }
.btn-gold:hover { background: var(--gold-dark); }
.btn-outline { background: transparent; color: var(--text); border-color: var(--border); }
.btn-outline:hover { border-color: var(--accent); color: var(--accent); }
.btn-ghost { background: transparent; color: var(--accent); padding: 12px 8px; }
.btn-lg { padding: 15px 30px; font-size: 1.02rem; }
.btn-block { width: 100%; }

.pill {
  display: inline-flex; align-items: center; gap: 6px; font-size: 0.8rem; font-weight: 600;
  padding: 5px 12px; border-radius: var(--radius-pill); background: var(--success-tint);
  color: var(--success);
}

/* Cards ------------------------------------------------------------------- */
.card {
  background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow);
}
.card--flat { box-shadow: none; }
.card-icon {
  width: 48px; height: 48px; border-radius: var(--radius-sm); display: grid; place-items: center;
  background: var(--accent-tint); color: var(--accent); font-size: 1.4rem; margin-bottom: 16px;
}
.card h3 { margin-bottom: 8px; }
.card p { font-size: 0.95rem; }

/* ==========================================================================
   Top navigation (identical on every page)
   ========================================================================== */
.nav {
  position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,0.96);
  backdrop-filter: blur(8px); border-bottom: 1px solid var(--border);
}
.nav-inner {
  max-width: var(--container); margin: 0 auto; padding: 0 24px; height: var(--nav-h);
  display: flex; align-items: center; gap: 28px;
}
.logo { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.25rem; color: var(--text); }
.logo:hover { text-decoration: none; }
.logo-mark {
  width: 34px; height: 34px; border-radius: 9px; background: var(--accent); color: #fff;
  display: grid; place-items: center; font-size: 1.2rem;
}
.logo-mark i { font-style: normal; }

.nav-links { display: flex; align-items: center; gap: 4px; list-style: none; margin-left: 8px; }
.nav-item { position: relative; }
.nav-link {
  display: inline-flex; align-items: center; gap: 5px; padding: 9px 14px; border-radius: 8px;
  color: var(--text-muted); font-weight: 500; font-size: 0.95rem; background: none; border: none;
  font-family: var(--font); cursor: pointer;
}
.nav-link:hover, .nav-link[aria-expanded="true"] { color: var(--text); background: var(--bg-soft); text-decoration: none; }
.nav-link .chev { font-size: 0.9rem; transition: transform .15s; }
.nav-link[aria-expanded="true"] .chev { transform: rotate(180deg); }

.dropdown {
  position: absolute; top: calc(100% + 6px); left: 0; min-width: 260px;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-md); padding: 8px; display: none;
}
.nav-item.open .dropdown { display: block; }
.dropdown a {
  display: flex; gap: 12px; padding: 10px 12px; border-radius: 8px; color: var(--text);
}
.dropdown a:hover { background: var(--bg-soft); text-decoration: none; }
.dropdown a i { color: var(--accent); font-size: 1.2rem; margin-top: 2px; }
.dropdown a span { display: block; font-weight: 600; font-size: 0.92rem; }
.dropdown a small { color: var(--text-soft); font-size: 0.8rem; font-weight: 400; }

.nav-cta { margin-left: auto; display: flex; align-items: center; gap: 10px; }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--border); border-radius: 8px;
  width: 42px; height: 42px; font-size: 1.4rem; cursor: pointer; color: var(--text);
}

/* Footer ------------------------------------------------------------------ */
.footer { background: #14181C; color: #C4CDD5; padding: 64px 0 28px; }
.footer a { color: #C4CDD5; }
.footer a:hover { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(4, 1fr); gap: 32px; margin-bottom: 44px; }
.footer h4 { color: #fff; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 16px; }
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 10px; font-size: 0.92rem; }
.footer .logo { color: #fff; margin-bottom: 14px; }
.footer-about p { color: #97A3AF; font-size: 0.92rem; max-width: 280px; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; color: #97A3AF; }
.footer-contact i { color: var(--accent); margin-top: 3px; }
.footer-bottom {
  border-top: 1px solid #2A3138; padding-top: 24px; display: flex; justify-content: space-between;
  gap: 20px; flex-wrap: wrap; font-size: 0.82rem; color: #7B8794;
}
.footer-disclaimer { background: #0D1013; color: #7B8794; font-size: 0.78rem; padding: 18px 0; }
.footer-disclaimer .container { line-height: 1.6; }

/* Hero -------------------------------------------------------------------- */
.hero { padding: 64px 0 72px; background: var(--bg-softer); border-bottom: 1px solid var(--border); }
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 48px; align-items: center; }
.hero h1 { margin-bottom: 18px; }
.hero p.lead { font-size: 1.15rem; margin-bottom: 28px; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 28px; }
.hero-trust { display: flex; gap: 28px; flex-wrap: wrap; }
.hero-trust div { font-size: 0.9rem; color: var(--text-muted); }
.hero-trust strong { display: block; font-size: 1.5rem; color: var(--text); }

/* Page header (interior pages) */
.page-header { background: var(--bg-softer); border-bottom: 1px solid var(--border); padding: 48px 0; }
.page-header .eyebrow { margin-bottom: 10px; }
.page-header p { font-size: 1.1rem; max-width: 640px; margin-top: 12px; }
.breadcrumb { font-size: 0.85rem; color: var(--text-soft); margin-bottom: 14px; }
.breadcrumb a { color: var(--text-soft); }

/* Widgets ----------------------------------------------------------------- */
.widget-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow-md);
}
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 7px; }
.field label .hint { font-weight: 400; color: var(--text-soft); }
input[type=text], input[type=email], input[type=tel], input[type=number], input[type=date], input[type=password], select, textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  font-family: var(--font); font-size: 0.98rem; color: var(--text); background: #fff;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-tint); }
input[type=range] { width: 100%; accent-color: var(--accent); }
.range-value { font-weight: 700; color: var(--accent); font-size: 1.1rem; }
.field-error { color: var(--accent-dark); font-size: 0.82rem; margin-top: 6px; display: none; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--accent-dark); }
.field.invalid .field-error { display: block; }

.estimate-box {
  background: var(--success-tint); border-radius: var(--radius); padding: 20px; text-align: center; margin-top: 8px;
}
.estimate-box .amount { font-size: 2.2rem; font-weight: 800; color: var(--success); }
.estimate-box small { color: var(--text-muted); }

/* Tables ------------------------------------------------------------------ */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); }
table.data { width: 100%; border-collapse: collapse; min-width: 640px; background: #fff; }
table.data th, table.data td { padding: 16px 18px; text-align: left; border-bottom: 1px solid var(--border); font-size: 0.94rem; }
table.data thead th { background: var(--bg-soft); font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--text-muted); }
table.data tbody tr:last-child td { border-bottom: none; }
table.data td.tick { color: var(--success); font-weight: 700; }
table.data td.cross { color: var(--text-soft); }
table.data .featured { background: var(--accent-tint); }

/* Stats strip ------------------------------------------------------------- */
.stats-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stats-strip .stat strong { display: block; font-size: 2.4rem; color: var(--accent); font-weight: 800; }
.stats-strip .stat span { color: var(--text-muted); font-size: 0.92rem; }

/* Testimonials ------------------------------------------------------------ */
.quote-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; }
.quote-card p { color: var(--text); font-size: 1rem; margin-bottom: 18px; }
.quote-author { display: flex; align-items: center; gap: 12px; }
.avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--accent-tint); color: var(--accent); display: grid; place-items: center; font-weight: 700; }
.quote-author strong { display: block; font-size: 0.92rem; }
.quote-author small { color: var(--text-soft); }
.stars { color: var(--accent); margin-bottom: 12px; }

/* Accordion (FAQ) --------------------------------------------------------- */
.accordion { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; background: #fff; }
.acc-item { border-bottom: 1px solid var(--border); }
.acc-item:last-child { border-bottom: none; }
.acc-trigger {
  width: 100%; text-align: left; background: none; border: none; padding: 20px 22px; cursor: pointer;
  font-family: var(--font); font-size: 1.02rem; font-weight: 600; color: var(--text);
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.acc-trigger:hover { background: var(--bg-soft); }
.acc-trigger .icon { color: var(--accent); font-size: 1.3rem; transition: transform .2s; flex-shrink: 0; }
.acc-trigger[aria-expanded="true"] .icon { transform: rotate(45deg); }
.acc-panel { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.acc-panel-inner { padding: 0 22px 20px; color: var(--text-muted); }

/* Steps ------------------------------------------------------------------- */
.steps { counter-reset: step; display: grid; gap: 20px; }
.step { display: flex; gap: 18px; align-items: flex-start; }
.step-num {
  flex-shrink: 0; width: 40px; height: 40px; border-radius: 50%; background: var(--accent); color: #fff;
  display: grid; place-items: center; font-weight: 700;
}
.step h3 { margin-bottom: 4px; }

/* Checklist --------------------------------------------------------------- */
.checklist { list-style: none; }
.checklist li { display: flex; gap: 12px; padding: 10px 0; align-items: flex-start; color: var(--text-muted); }
.checklist li i { color: var(--success); margin-top: 3px; }

/* CTA band ---------------------------------------------------------------- */
.cta-band { background: var(--accent); border-radius: var(--radius); padding: 48px; text-align: center; color: #fff; }
.cta-band h2 { color: #fff; margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,0.92); margin-bottom: 24px; }
.cta-band .btn-primary { background: #fff; color: var(--accent); }
.cta-band .btn-primary:hover { background: #f2f2f2; }

/* Misc helpers ------------------------------------------------------------ */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; } .mt-1 { margin-top: 12px; } .mt-2 { margin-top: 24px; } .mt-3 { margin-top: 36px; }
.mb-2 { margin-bottom: 24px; }
.muted { color: var(--text-soft); }
.tag-list { display: flex; flex-wrap: wrap; gap: 10px; }
.badge-price { font-size: 0.85rem; color: var(--text-soft); }
.badge-price strong { font-size: 1.4rem; color: var(--text); display: block; }
.two-col-list { columns: 2; gap: 40px; }
.notice { background: var(--accent-tint); border-left: 4px solid var(--accent); border-radius: var(--radius-sm); padding: 16px 18px; font-size: 0.92rem; color: var(--text-muted); }
.notice.success { background: var(--success-tint); border-color: var(--success); }
.alert-ok { display:none; background: var(--success-tint); border: 1px solid var(--success); color: var(--success); border-radius: var(--radius-sm); padding: 14px 16px; margin-bottom: 18px; font-weight: 600; }

/* Reference-layout components --------------------------------------------- */
/* Quick actions strip */
.quick-actions { display: grid; grid-template-columns: repeat(6, 1fr); gap: 0; border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; background: #fff; box-shadow: var(--shadow-md); }
.quick-action { display: flex; gap: 12px; align-items: center; padding: 20px; border-right: 1px solid var(--border); color: var(--text); }
.quick-action:last-child { border-right: none; }
.quick-action:hover { background: var(--bg-soft); text-decoration: none; }
.quick-action i { font-size: 1.6rem; color: var(--accent); }
.quick-action strong { display: block; font-size: 0.92rem; }
.quick-action small { color: var(--text-soft); font-size: 0.78rem; }

/* Hero quick-quote tabs */
.qq-tabs { display: flex; gap: 6px; margin-bottom: 18px; flex-wrap: wrap; }
.qq-tab { padding: 8px 14px; border-radius: var(--radius-pill); border: 1.5px solid var(--border); background: #fff; font-family: var(--font); font-weight: 600; font-size: 0.85rem; color: var(--text-muted); cursor: pointer; }
.qq-tab[aria-selected="true"] { background: var(--accent); color: #fff; border-color: var(--accent); }

/* Why-choose dark band */
.why-band { background: var(--accent); color: #fff; }
.why-band h2 { color: #fff; }
.why-band .why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px 40px; margin-top: 40px; }
.why-band .why-item { display: flex; gap: 14px; }
.why-band .why-item i { font-size: 1.8rem; color: var(--gold); flex-shrink: 0; }
.why-band .why-item strong { display: block; color: #fff; margin-bottom: 2px; }
.why-band .why-item p { color: rgba(255,255,255,0.82); font-size: 0.9rem; }

/* Claims flow (horizontal with connectors) */
.flow { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.flow-step { text-align: center; position: relative; padding: 0 10px; }
.flow-step:not(:last-child)::after { content: ""; position: absolute; top: 26px; right: -6px; width: 12px; border-top: 2px dashed var(--gold); }
.flow-num { width: 52px; height: 52px; border-radius: 50%; background: var(--accent-tint); color: var(--accent); display: grid; place-items: center; font-size: 1.5rem; margin: 0 auto 14px; }
.flow-step .n { position: absolute; top: 0; left: 50%; transform: translateX(28px); background: var(--gold); color: #1a1a1a; width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; font-size: 0.75rem; font-weight: 700; }
.flow-step h3 { font-size: 1.05rem; }
.flow-step p { font-size: 0.88rem; }

/* Knowledge cards */
.know-card { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; background: #fff; color: inherit; }
.know-card:hover { text-decoration: none; box-shadow: var(--shadow-md); }
.know-thumb { aspect-ratio: 16/10; background: var(--accent-tint); display: grid; place-items: center; color: var(--accent); font-size: 2rem; }
.know-body { padding: 18px; }
.know-body .cat { font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--accent); }
.know-body h3 { font-size: 1.02rem; margin: 6px 0; }
.know-body small { color: var(--text-soft); }

/* App promo */
.app-promo { background: var(--accent-tint); border-radius: var(--radius); padding: 40px; display: grid; grid-template-columns: 200px 1fr auto; gap: 32px; align-items: center; }
.app-phone { height: 200px; background: #fff; border-radius: 20px; border: 6px solid var(--accent); display: grid; place-items: center; color: var(--accent); font-size: 3rem; }
.app-promo ul { list-style: none; margin-top: 12px; }
.app-promo ul li { display: flex; gap: 8px; padding: 4px 0; color: var(--text-muted); }
.app-promo ul li i { color: var(--success); }
.app-badges { display: flex; flex-direction: column; gap: 12px; }
.store-badge { display: inline-flex; align-items: center; gap: 10px; background: #14181C; color: #fff; padding: 10px 18px; border-radius: var(--radius-sm); }
.store-badge:hover { text-decoration: none; }
.store-badge i { font-size: 1.6rem; }
.store-badge small { display: block; font-size: 0.68rem; opacity: 0.8; }
.store-badge strong { font-size: 0.95rem; }

/* Callback bar */
.callback-bar { background: var(--accent-dark); color: #fff; }
.callback-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.callback-inner h2 { color: #fff; font-size: 1.5rem; }
.callback-form { display: flex; gap: 10px; }
.callback-form input { min-width: 240px; }
.callback-phone { display: flex; align-items: center; gap: 10px; font-size: 1.2rem; font-weight: 700; }
.callback-phone i { color: var(--gold); }

/* Go Digit style components ----------------------------------------------- */
/* Yellow promo banner */
.promo-banner { background: var(--gold); border-radius: var(--radius); padding: 18px 28px; display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; text-align: center; }
.promo-banner strong { font-size: 1.15rem; color: #1a1a1a; }
.promo-banner .promo-badge { background: #1a1a1a; color: var(--gold); font-weight: 800; padding: 6px 14px; border-radius: var(--radius-pill); }

/* Protect-today tile grid */
.protect-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.protect-tile { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px 18px; text-align: center; color: var(--text); transition: border-color .15s, box-shadow .15s; }
.protect-tile:hover { border-color: var(--accent); box-shadow: var(--shadow-md); text-decoration: none; }
.protect-tile .p-icon { width: 56px; height: 56px; border-radius: 50%; background: var(--accent-tint); color: var(--accent); display: grid; place-items: center; font-size: 1.7rem; margin: 0 auto 14px; }
.protect-tile strong { display: block; font-size: 1rem; }
.protect-tile small { color: var(--text-soft); font-size: 0.82rem; }
.protect-group-title { font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-soft); margin: 28px 0 14px; }

/* Popular tools dark tiles */
.tool-tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.tool-tile { background: #1B2430; color: #fff; border-radius: var(--radius); padding: 24px; display: flex; align-items: center; gap: 16px; }
.tool-tile:hover { text-decoration: none; background: #232E3D; }
.tool-tile i { font-size: 2rem; color: var(--gold); }
.tool-tile strong { display: block; color: #fff; }
.tool-tile small { color: #9AA5B1; }

/* Rating summary */
.rating-summary { display: flex; align-items: center; gap: 16px; justify-content: center; margin-bottom: 36px; flex-wrap: wrap; }
.rating-summary .score { font-size: 2.4rem; font-weight: 800; color: var(--text); }
.rating-summary .stars { font-size: 1.2rem; }

/* In the news */
.news-logos { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.news-logo { border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 20px; display: grid; place-items: center; font-weight: 800; color: var(--text-soft); background: #fff; }

/* Tools & calculators strip */
.calc-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.calc-item { display: flex; gap: 12px; align-items: center; padding: 18px; border: 1px solid var(--border); border-radius: var(--radius); background: #fff; color: var(--text); }
.calc-item:hover { border-color: var(--accent); text-decoration: none; }
.calc-item i { font-size: 1.5rem; color: var(--accent); }

/* Responsive -------------------------------------------------------------- */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .stats-strip { grid-template-columns: repeat(2, 1fr); }
  .quick-actions { grid-template-columns: repeat(2, 1fr); }
  .quick-action:nth-child(2n) { border-right: none; }
  .quick-action { border-bottom: 1px solid var(--border); }
  .why-band .why-grid { grid-template-columns: 1fr; }
  .flow { grid-template-columns: repeat(2, 1fr); }
  .flow-step::after { display: none; }
  .protect-grid { grid-template-columns: repeat(2, 1fr); }
  .tool-tiles { grid-template-columns: 1fr; }
  .news-logos { grid-template-columns: repeat(3, 1fr); }
  .calc-strip { grid-template-columns: repeat(2, 1fr); }
  .app-promo { grid-template-columns: 1fr; text-align: center; }
  .app-promo .app-phone { margin: 0 auto; }
  .app-badges { flex-direction: row; justify-content: center; flex-wrap: wrap; }

  .nav-toggle { display: block; margin-left: auto; }
  .nav-cta { display: none; }
  .nav-links {
    position: fixed; top: var(--nav-h); left: 0; right: 0; bottom: 0; background: #fff;
    flex-direction: column; align-items: stretch; gap: 0; padding: 16px; margin: 0;
    border-top: 1px solid var(--border); overflow-y: auto; display: none;
  }
  .nav-links.open { display: flex; }
  .nav-link { width: 100%; justify-content: space-between; padding: 14px; font-size: 1.05rem; }
  .dropdown { position: static; box-shadow: none; border: none; min-width: 0; padding: 0 0 8px 14px; display: none; }
  .nav-item.open .dropdown { display: block; }
  .nav-links .btn { margin-top: 12px; }
  .nav-mobile-cta { display: flex !important; margin-top: 8px; }
}
@media (max-width: 620px) {
  .section { padding: 52px 0; }
  .grid-2, .grid-3, .grid-4, .footer-grid, .stats-strip { grid-template-columns: 1fr; }
  .quick-actions, .protect-grid, .news-logos, .calc-strip, .flow { grid-template-columns: 1fr; }
  .callback-form { flex-direction: column; }
  .callback-form input { min-width: 0; width: 100%; }
  .two-col-list { columns: 1; }
  .cta-band { padding: 32px 22px; }
  .card { padding: 22px; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; transition: none !important; }
}