/*
 * Adler & Rochefort — Dutch cluster stylesheet.
 *
 * The eleven /nl/ pages share one design system, lifted from the inline styles
 * of /nl/verzekeringen-portugal/ so the cluster and the original landing page
 * stay visually identical. Pulling it into a file keeps each generated page to
 * its content instead of shipping ~400 lines of duplicated CSS eleven times.
 *
 * Generated pages are emitted by scripts/generate-nl-cluster.mjs.
 */

:root {
  /* Light, neutral palette — cream / white / beige with discreet accents. */
  --cream: #F5F1E8;
  --white: #FFFFFF;
  --beige: #F5F1E8;
  --sand: #E8E5DF;
  --border: #DAD5C8;
  --border-soft: #E8E5DF;
  /* Text tones — all >= 4.5:1 on cream, beige and white. */
  --ink: #111927;
  --ink2: #526984;
  --muted: #516F94;
  --primary: #17243D;
  --gold: #B8323E;
  --rule: #B8323E; --accent-on-dark: #E8919B;
  /* Site chrome (shared with the rest of adlerrochefort.com). */
  --nav-bg: #17243D;
  --footer-bg: #111927;
  --navy: #17243D;
  --error: #A32B1F;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; -webkit-text-size-adjust: 100%; }

body {
  background: var(--cream);
  font-family: 'Montserrat', sans-serif;
  color: var(--ink2);
  font-size: 19px;
  line-height: 1.75;
  overflow-x: hidden; overflow-x: clip;
  min-height: 100vh;
}

/* Visible keyboard focus everywhere. */
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible, [tabindex]:focus-visible {
  outline: 3px solid var(--navy);
  outline-offset: 3px;
}
.on-dark a:focus-visible, .on-dark button:focus-visible { outline-color: var(--accent-on-dark); }

.skip-link {
  position: absolute; left: 16px; top: -100px; z-index: 200;
  background: var(--white); color: var(--ink);
  padding: 14px 22px; font-size: 17px; font-weight: 600;
  text-decoration: none; border: 2px solid var(--ink);
}
.skip-link:focus { top: 16px; }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ─────────── ASF TOP BAR ─────────── */
.asf-top-bar {
  background: var(--navy);
  color: rgba(255,255,255,0.92);
  text-align: center;
  font-size: 15px; font-weight: 500;
  letter-spacing: 0.01em;
  padding: 12px 24px; line-height: 1.5;
}
.asf-top-bar a { color: #fff; }

/* ─────────── NAV ─────────── */
.site-header { position: sticky; top: 0; z-index: 100; }
.site-nav {
  background: var(--nav-bg);
  padding: 0 48px; min-height: 76px;
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  border-bottom: 1px solid rgba(23,36,61,0.3);
}
.nav-logo { display: flex; align-items: center; text-decoration: none; padding: 8px 0; }
.nav-logo-img { height: 46px; width: auto; }
.nav-right { display: flex; align-items: center; gap: 22px; }
.nav-cta {
  display: inline-flex; align-items: center;
  padding: 13px 26px;
  background: var(--white); color: var(--ink);
  font-size: 16px; font-weight: 700; letter-spacing: 0.02em;
  text-decoration: none; border: 1px solid var(--white);
  transition: background 0.2s, color 0.2s;
}
.nav-cta:hover { background: var(--sand); }
.lang-switcher { display: flex; align-items: center; gap: 4px; }
.lang-switcher a, .lang-switcher span.lang-na {
  text-decoration: none; font-size: 15px; font-weight: 600;
  letter-spacing: 0.04em; padding: 6px 9px;
  color: rgba(255,255,255,0.72);
  transition: color 0.2s, background 0.2s;
}
.lang-switcher a:hover { color: var(--white); }
.lang-switcher a[aria-current="page"], .lang-switcher a.active { color: var(--white); background: rgba(255,255,255,0.16); }
/* Convention: a language with no true equivalent is shown as unavailable
   rather than linked to an approximate page. */
.lang-switcher span.lang-na { color: rgba(255,255,255,0.38); cursor: default; }
.lang-switcher-sep { color: rgba(255,255,255,0.3); font-size: 15px; user-select: none; }

/* ─────────── LAYOUT ─────────── */
.section { padding: 96px 32px; }
.section.tint { background: var(--beige); }
.section.plain { background: var(--white); }
.section + .section.plain, .section + .section.tint { border-top: 1px solid var(--border-soft); }
.container { max-width: 1020px; margin: 0 auto; }
.container.narrow { max-width: 760px; }

h1, h2, h3 { color: var(--ink); font-weight: 700; letter-spacing: -0.015em; }
h1 { font-size: clamp(34px, 5.4vw, 56px); line-height: 1.1; }
h2 { font-size: clamp(28px, 4.2vw, 44px); line-height: 1.16; }
h3 { font-size: clamp(21px, 2.5vw, 28px); line-height: 1.28; }

p { font-size: 19px; line-height: 1.8; }
.lead { font-size: 21px; line-height: 1.7; color: var(--ink2); }
.prose > * + * { margin-top: 26px; }
.eyebrow {
  display: block; font-size: 15px; font-weight: 700;
  letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 22px;
}
.section-intro { margin-top: 26px; max-width: 760px; }

/* ─────────── BREADCRUMB ─────────── */
.breadcrumb { background: var(--cream); padding: 18px 32px 0; }
.breadcrumb ol {
  max-width: 1020px; margin: 0 auto; list-style: none;
  display: flex; flex-wrap: wrap; gap: 8px; align-items: center;
  font-size: 15px; color: var(--muted);
}
.breadcrumb li { display: flex; align-items: center; gap: 8px; }
.breadcrumb li + li::before { content: "›"; color: var(--border); }
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }
.breadcrumb [aria-current="page"] { color: var(--ink); font-weight: 600; }

/* ─────────── HERO ─────────── */
.hero { background: var(--cream); padding: 56px 32px 76px; }
.hero-inner { max-width: 940px; margin: 0 auto; }
.hero-rule { width: 72px; height: 3px; background: var(--rule); margin-bottom: 34px; }
.hero h1 { max-width: 900px; }
.hero-subtitle {
  font-size: clamp(19px, 2.1vw, 23px); line-height: 1.65;
  color: var(--ink2); max-width: 780px; margin: 32px 0 0;
}
.hero-meta {
  margin-top: 34px; padding-top: 26px;
  border-top: 1px solid var(--border);
  font-size: 17px; color: var(--muted); max-width: 780px;
}
.btn-cta {
  display: inline-flex; align-items: center; gap: 12px;
  padding: 20px 40px;
  background: var(--ink); color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-size: 18px; font-weight: 700; letter-spacing: 0.02em;
  text-decoration: none; border: 1px solid var(--ink); cursor: pointer;
  transition: background 0.2s, transform 0.2s;
}
.btn-cta:hover { background: #111927; transform: translateY(-2px); }
.btn-cta svg { width: 18px; height: 18px; fill: currentColor; flex-shrink: 0; }

/* ─────────── LANGUAGE POLICY BLOCK ─────────── */
/* Sits directly after the introduction and before the first section heading —
   the point is that it gets read, not that it exists. */
.lang-policy {
  background: var(--beige);
  border: 2px solid var(--rule);
  padding: 40px 38px;
  max-width: 940px; margin: 0 auto;
}
.lang-policy h2 {
  font-size: clamp(22px, 2.5vw, 29px);
  margin-bottom: 20px; letter-spacing: -0.01em;
}
.lang-policy p { font-size: 18px; line-height: 1.75; color: var(--ink2); }
.lang-policy p + p { margin-top: 18px; }
.lang-policy-band { background: var(--cream); padding: 0 32px 76px; }

/* ─────────── ARTICLE PROSE ─────────── */
.article-body h2 { margin-top: 0; }
.article-body h3 { margin-top: 44px; margin-bottom: 14px; }
.article-body p + p { margin-top: 24px; }
.article-body ul, .article-body ol { margin: 24px 0 24px 0; padding-left: 0; list-style: none; }
.article-body ol { counter-reset: step; }
.article-body ul > li, .article-body ol > li {
  position: relative; padding-left: 34px; margin-top: 16px;
  font-size: 18px; line-height: 1.7; color: var(--ink2);
}
.article-body ul > li::before {
  content: ""; position: absolute; left: 6px; top: 13px;
  width: 8px; height: 8px; background: var(--rule);
}
.article-body ol > li::before {
  counter-increment: step; content: counter(step) ".";
  position: absolute; left: 0; top: 0;
  font-weight: 700; color: var(--gold);
}
.article-body li > strong { color: var(--ink); }
.article-body a { color: var(--primary); font-weight: 600; text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 4px; }
.article-body a:hover { color: var(--ink); }

/* ─────────── KEY CALLOUT ─────────── */
.callout {
  margin: 36px 0; padding: 30px 32px;
  background: var(--white); border-left: 4px solid var(--rule);
  font-size: 19px; line-height: 1.7; color: var(--ink);
}
.section.plain .callout { background: var(--beige); }
.callout strong { font-weight: 700; }
.callout .callout-label {
  display: block; font-size: 14px; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 12px;
}

/* ─────────── COMPARISON ─────────── */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 40px; }
.compare-col { background: var(--white); border: 1px solid var(--border); padding: 34px 32px; }
.compare-col.excluded { background: var(--sand); }
.compare-col h3 {
  font-size: clamp(20px, 2.1vw, 25px);
  padding-bottom: 18px; margin-bottom: 22px; margin-top: 0;
  border-bottom: 2px solid var(--rule);
}
.compare-col.excluded h3 { border-bottom-color: var(--muted); }
.compare-col ul { list-style: none; display: grid; gap: 18px; margin: 0; padding: 0; }
.compare-col li {
  display: flex; gap: 14px; align-items: flex-start;
  font-size: 18px; line-height: 1.6; color: var(--ink2);
  padding-left: 0; margin-top: 0;
}
.compare-col li::before { display: none; }
.compare-col li .mark {
  flex-shrink: 0; width: 26px; font-size: 20px; font-weight: 700;
  line-height: 1.4; color: var(--primary);
}
.compare-col.excluded li .mark { color: var(--error); }

/* ─────────── TABLE ─────────── */
.table-wrap { overflow-x: auto; margin: 36px 0; }
.nl-table { width: 100%; border-collapse: collapse; background: var(--white); font-size: 17px; }
.nl-table th, .nl-table td { padding: 16px 18px; text-align: left; border: 1px solid var(--border); vertical-align: top; line-height: 1.6; }
.nl-table th { background: var(--sand); color: var(--ink); font-weight: 700; }
@media (max-width: 640px) {
  .nl-table, .nl-table tbody, .nl-table tr, .nl-table td { display: block; width: 100%; }
  .nl-table thead { display: none; }
  .nl-table tr { margin-bottom: 18px; border: 1px solid var(--border); }
  .nl-table td { border: none; border-bottom: 1px solid var(--border-soft); }
  .nl-table td::before { content: attr(data-label); display: block; font-weight: 700; color: var(--ink); font-size: 15px; margin-bottom: 4px; }
}

/* ─────────── CARDS / HUB ─────────── */
.cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; margin-top: 44px; }
.card { background: var(--white); border: 1px solid var(--border); padding: 36px 32px; display: flex; flex-direction: column; gap: 16px; }
.card h3 { margin-top: 0; }
.card p { font-size: 18px; line-height: 1.75; color: var(--ink2); }
.card .note {
  margin-top: auto; padding: 20px 22px;
  background: var(--beige); border-top: 3px solid var(--rule);
  font-size: 17px; line-height: 1.65; color: var(--ink);
}
/* Hub listing. Each entry is a link plus one line of what the page actually
   answers, so the choice is made before the click and not after it. */
.hub-list { list-style: none; margin: 32px 0 0; padding: 0; }
.article-body .hub-list > li { padding-left: 0; margin: 0; }
.article-body .hub-list > li::before { display: none; }
.hub-item { border-top: 1px solid var(--border); padding: 28px 0; }
.hub-item:first-child { border-top: none; }
.hub-item > a {
  display: block; font-size: clamp(19px, 2.1vw, 23px); font-weight: 700;
  line-height: 1.35; color: var(--ink); text-decoration: none;
  border-bottom: 2px solid var(--gold); padding-bottom: 3px;
}
.hub-item > a:hover, .hub-item > a:focus-visible { color: var(--olive); }
.hub-item > span { display: block; margin-top: 12px; font-size: 18px; line-height: 1.75; color: var(--ink2); }
.hub-item h3 { margin: 0 0 12px; }
.hub-item p { font-size: 18px; line-height: 1.75; }
.hub-item .hub-link { display: inline-block; margin-top: 14px; font-size: 18px; }

/* ─────────── PRINCIPLES ─────────── */
.principles { list-style: none; display: grid; gap: 4px; margin-top: 44px; padding: 0; }
.principles li { background: var(--white); border: 1px solid var(--border); padding: 32px 34px; margin: 0; padding-left: 34px; }
.principles li::before { display: none; }
.principles li h3 { font-size: clamp(20px, 2vw, 24px); margin: 0 0 12px; }
.principles li p { font-size: 18px; line-height: 1.75; }

/* ─────────── FAQ ─────────── */
.faq-list { margin-top: 44px; border-top: 1px solid var(--border); }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item h3 { font-size: clamp(19px, 2.1vw, 23px); margin: 0; }
.faq-item summary {
  cursor: pointer; list-style: none;
  padding: 26px 44px 26px 0; position: relative;
  font-size: clamp(19px, 2.1vw, 23px); font-weight: 700;
  color: var(--ink); line-height: 1.4;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; position: absolute; right: 8px; top: 50%;
  transform: translateY(-50%); font-size: 26px; font-weight: 400; color: var(--gold);
}
.faq-item[open] summary::after { content: "–"; }
.faq-item .faq-answer { padding: 0 0 28px; }
.faq-item .faq-answer p { font-size: 18px; line-height: 1.75; }
.faq-item .faq-answer p + p { margin-top: 16px; }

/* ─────────── PULL QUOTE ─────────── */
.pullquote-band { background: var(--sand); padding: 76px 32px; }
.pullquote {
  font-family: 'Playfair Display', serif; font-style: italic;
  font-size: clamp(25px, 3.6vw, 38px); line-height: 1.35;
  color: var(--ink); text-align: center; max-width: 900px; margin: 0 auto;
}
.pullquote cite {
  display: block; font-family: 'Montserrat', sans-serif; font-style: normal;
  font-size: 16px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--muted); margin-top: 30px;
}

/* ─────────── INLINE LINKS ─────────── */
.text-link {
  color: var(--primary); font-weight: 600;
  text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 4px;
}
.text-link:hover { color: var(--ink); }
.link-row { margin-top: 32px; font-size: 19px; }

/* ─────────── RELATED ─────────── */
.related { list-style: none; display: grid; gap: 14px; margin-top: 32px; padding: 0; }
.related li { margin: 0; padding-left: 0; }
.related li::before { display: none; }
.related a { font-size: 18px; }

/* ─────────── FORM ─────────── */
.form-section { background: var(--white); }
.form-shell { max-width: 760px; margin: 0 auto; }
.form-shell > h2 { margin-bottom: 22px; }
.form-intro { font-size: 20px; line-height: 1.75; color: var(--ink2); margin-bottom: 16px; }
/* The language reminder repeats next to the form, where the commitment is made. */
.form-lang-note {
  font-size: 17px; font-weight: 600; color: var(--ink);
  background: var(--beige); border-left: 4px solid var(--rule);
  padding: 14px 18px; margin-bottom: 40px;
}
.lead-form { background: var(--cream); border: 1px solid var(--border); padding: 44px 40px; }
.field + .field { margin-top: 30px; }
.field label { display: block; font-size: 18px; font-weight: 600; color: var(--ink); margin-bottom: 10px; }
.field .req { color: var(--gold); font-weight: 700; }
.field-help { font-size: 16px; line-height: 1.6; color: var(--muted); margin: -2px 0 10px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 15px 16px;
  font-family: 'Montserrat', sans-serif; font-size: 18px; line-height: 1.5;
  color: var(--ink); background: var(--white);
  border: 1px solid #DAD5C8; border-radius: 0;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field input::placeholder, .field textarea::placeholder { color: #6E6A5C; }
.field input:hover, .field select:hover, .field textarea:hover { border-color: var(--ink2); }
.field textarea { resize: vertical; min-height: 150px; }
.field select { appearance: none; background-image: none; }
.field [aria-invalid="true"] { border-color: var(--error); border-width: 2px; }
.field-error { display: none; margin-top: 10px; font-size: 17px; font-weight: 600; line-height: 1.5; color: var(--error); }
.field-error.show { display: block; }
.form-branch-fields {
  margin-top: 30px; padding: 26px 24px;
  background: var(--white); border: 1px solid var(--border);
}
.form-branch-fields > .field:first-child { margin-top: 0; }
.form-branch-legend {
  display: block; font-size: 15px; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 18px;
}
.consent { margin-top: 34px; display: flex; gap: 16px; align-items: flex-start; }
.consent input[type="checkbox"] { width: 26px; height: 26px; flex-shrink: 0; margin-top: 3px; accent-color: var(--ink); cursor: pointer; }
.consent label { font-size: 17px; font-weight: 400; line-height: 1.65; color: var(--ink2); margin: 0; }
.consent-block .field-error { margin-left: 42px; }
.form-submit {
  width: 100%; margin-top: 36px; padding: 21px 32px;
  background: var(--ink); color: var(--white);
  font-family: 'Montserrat', sans-serif; font-size: 18px; font-weight: 700;
  letter-spacing: 0.02em; border: 1px solid var(--ink); cursor: pointer;
  transition: background 0.2s;
}
.form-submit:hover { background: #111927; }
.form-submit[disabled] { background: var(--muted); border-color: var(--muted); cursor: progress; }
.form-footnote { margin-top: 22px; font-size: 16px; line-height: 1.6; color: var(--muted); }

/* ─────────── FOOTER ─────────── */
footer { background: var(--footer-bg); padding: 76px 48px 44px; }
.footer-top { display: grid; grid-template-columns: 1.7fr 1fr 1fr; gap: 52px; margin-bottom: 52px; }
.footer-brand-name { font-size: 24px; font-weight: 600; color: var(--white); letter-spacing: 0.03em; margin-bottom: 18px; }
.footer-brand-desc { font-size: 17px; line-height: 1.75; color: rgba(255,255,255,0.78); max-width: 340px; margin-bottom: 28px; }
.footer-badge {
  display: inline-flex; align-items: center; gap: 10px;
  border: 1px solid rgba(255,255,255,0.28); padding: 11px 18px;
  font-size: 15px; letter-spacing: 0.06em; color: rgba(255,255,255,0.82);
}
.footer-badge-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--rule); flex-shrink: 0; }
.footer-col-title { font-size: 15px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.75); margin-bottom: 22px; }
.footer-col-links { list-style: none; display: flex; flex-direction: column; gap: 14px; padding: 0; }
.footer-col-links li { margin: 0; padding-left: 0; }
.footer-col-links li::before { display: none; }
.footer-col-links a, .footer-col-links span { font-size: 17px; color: rgba(255,255,255,0.8); text-decoration: none; transition: color 0.2s; }
.footer-col-links a:hover { color: var(--accent-on-dark); text-decoration: underline; text-underline-offset: 4px; }
.footer-langs { flex-direction: row; flex-wrap: wrap; gap: 10px; }
.footer-langs a { font-size: 16px; border: 1px solid rgba(255,255,255,0.28); padding: 7px 14px; }
.footer-langs a:hover { border-color: var(--accent-on-dark); text-decoration: none; }
.footer-langs a[aria-current="page"] { color: var(--white); border-color: var(--accent-on-dark); background: rgba(255,255,255,0.12); }
.footer-social { display: flex; gap: 14px; padding-top: 10px; }
.footer-social a {
  display: flex; align-items: center; justify-content: center;
  width: 42px; height: 42px; border: 1px solid rgba(255,255,255,0.28); border-radius: 50%;
  transition: border-color 0.2s, background 0.2s;
}
.footer-social a:hover { border-color: var(--rule); background: rgba(201,168,76,0.14); }
.footer-social a svg { width: 18px; height: 18px; fill: rgba(255,255,255,0.85); transition: fill 0.2s; }
.footer-social a:hover svg { fill: var(--rule); }
.footer-bottom {
  padding-top: 34px; border-top: 1px solid rgba(255,255,255,0.14);
  display: flex; align-items: center; justify-content: space-between; gap: 22px; flex-wrap: wrap;
}
.footer-copy { font-size: 16px; color: rgba(255,255,255,0.65); }
.footer-legal { display: flex; gap: 26px; flex-wrap: wrap; }
.footer-legal a { font-size: 16px; color: rgba(255,255,255,0.65); text-decoration: none; transition: color 0.2s; }
.footer-legal a:hover { color: var(--white); text-decoration: underline; text-underline-offset: 4px; }
.footer-regulatory { padding-top: 28px; border-top: 1px solid rgba(255,255,255,0.14); margin-top: 28px; }
.footer-regulatory p { font-size: 15px; line-height: 1.7; color: rgba(255,255,255,0.62); max-width: 900px; }
.footer-regulatory p + p { margin-top: 8px; }

/* ─────────── STICKY MOBILE CTA ─────────── */
.mobile-cta {
  display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 99;
  padding: 12px 16px; background: var(--white);
  border-top: 1px solid var(--border); box-shadow: 0 -6px 22px rgba(44,54,40,0.12);
}
.mobile-cta a {
  display: block; width: 100%; padding: 17px; text-align: center;
  background: var(--ink); color: var(--white);
  font-size: 17px; font-weight: 700; letter-spacing: 0.02em; text-decoration: none;
}

/* ─────────── RESPONSIVE ─────────── */
@media (max-width: 980px) {
  .site-nav { padding: 0 24px; }
  .section { padding: 76px 24px; }
  .hero { padding: 44px 24px 60px; }
  .lang-policy-band { padding: 0 24px 60px; }
  .breadcrumb { padding: 16px 24px 0; }
  .pullquote-band { padding: 60px 24px; }
  .compare, .cards { grid-template-columns: 1fr; gap: 20px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 40px; }
  footer { padding: 60px 24px 40px; }
}
@media (max-width: 720px) {
  .nav-cta { display: none; }
  .mobile-cta { display: block; }
  body { padding-bottom: 82px; }
  .footer-top { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 520px) {
  body { font-size: 17px; }
  p { font-size: 17px; }
  .lead { font-size: 19px; }
  .section { padding: 56px 18px; }
  .hero { padding: 36px 18px 48px; }
  .lang-policy-band { padding: 0 18px 48px; }
  .breadcrumb { padding: 14px 18px 0; }
  .pullquote-band { padding: 52px 18px; }
  .site-nav { padding: 0 18px; min-height: 68px; }
  .nav-logo-img { height: 38px; }
  .asf-top-bar { font-size: 15px; padding: 12px 18px; }
  .lead-form, .lang-policy { padding: 28px 20px; }
  .compare-col, .card, .principles li { padding: 26px 20px; }
  .callout { padding: 22px 20px; font-size: 18px; }
  .btn-cta { width: 100%; justify-content: center; padding: 18px 24px; font-size: 17px; }
  .hero-meta { font-size: 16px; }
  .field input, .field select, .field textarea { font-size: 17px; }
  .field-help, .form-footnote, .footer-copy, .footer-legal a { font-size: 16px; }
  .footer-regulatory p { font-size: 15px; }
  footer { padding: 52px 18px 36px; }
}

/* ─────────── REDUCED MOTION ─────────── */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
  .btn-cta:hover { transform: none; }
}