/* ---------------------------------------------------------------------------
   Home & Property landing design system.

   These rules were the inline <style> of /en/home-insurance-quote/, the
   Home & Property pillar. The pages added around it — second home,
   unoccupied, apartment, flood, earthquake, landlord, rental property,
   non-resident landlord, landlord liability — are the same page shape, so
   the rules live in one file instead of being pasted nine more times.

   Load order on those pages is ar-property.css, then ar-chrome.css, then
   ar-landing.css. That is the order the pillar already resolves them in
   (its inline block sits above both <link>s), so the cascade is unchanged
   and the pillar itself is left exactly as it was.
   --------------------------------------------------------------------------- */

  :root {
    --primary: #17243D;
    --primary-hover: #223553;
    --primary-dim: rgba(23,36,61,0.10);
    --primary-glow: rgba(23,36,61,0.06);
    --accent: #B8323E; --accent-on-dark: #E8919B;
    --cream: #F5F1E8;
    --cream2: #E8E5DF;
    --ink: #111927;
    --ink2: #526984;
    --muted: #516F94;
    --muted2: #516F94;
    --white: #FFFFFF;
    --border: #DAD5C8;
    --hero-bg: #17243D;
    --nav-bg: #17243D;
    --footer-bg: #111927;
  }

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

  html { scroll-behavior: smooth; scroll-padding-top: 96px; }

  body {
    background: var(--cream);
    font-family: 'Montserrat', sans-serif;
    color: var(--ink);
    overflow-x: hidden; overflow-x: clip;
  }

  /* ═══════════════ NAV ═══════════════ */
  .site-nav {
    position: sticky; top: 0; z-index: 100;
    background: var(--nav-bg);
    padding: 0 48px;
    height: 76px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-bottom: 1px solid rgba(23,36,61,0.25);
  }

  .nav-logo {
    display: flex; align-items: center; gap: 14px;
    text-decoration: none;
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
  }

  .nav-logo-img {
    height: 60px;
    width: auto;
  }

  .nav-logo-text {
    font-family: 'Montserrat', sans-serif;
    font-size: 18px;
    font-weight: 600;
    color: var(--white);
    letter-spacing: 0.04em;
  }

  .nav-logo-text em {
    color: var(--accent-on-dark);
    font-style: normal;
  }

  .nav-links {
    display: flex; align-items: center; gap: 28px;
    list-style: none;
    width: 100%;
    justify-content: space-between;
  }

  .nav-links-left {
    display: flex; align-items: center; gap: 28px;
  }

  .nav-links-right {
    display: flex; align-items: center; gap: 20px;
  }

  .nav-links a {
    text-decoration: none;
    font-size: 12px;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.75);
    transition: color 0.2s;
  }

  .nav-links a:hover { color: var(--accent-on-dark); }

  .nav-cta {
    background: var(--primary);
    color: var(--white) !important;
    padding: 10px 22px;
    font-size: 11px !important;
    letter-spacing: 0.12em;
    transition: background 0.2s !important;
  }

  .nav-cta:hover { background: var(--primary-hover) !important; color: var(--white) !important; }

  .nav-vault-link {
    color: var(--accent-on-dark) !important;
    border: 1px solid rgba(184,50,62,0.4);
    padding: 8px 16px;
    font-size: 11px !important;
    transition: all 0.2s !important;
  }
  .nav-vault-link:hover {
    background: rgba(184,50,62,0.12) !important;
    border-color: var(--accent-on-dark) !important;
  }

  .nav-burger {
    display: none;
    flex-direction: column; gap: 5px;
    cursor: pointer; border: none; background: none; padding: 4px;
  }
  .nav-burger span { display:block; width:22px; height:1.5px; background:var(--white); transition:0.3s; }

  /* ═══════════════ LANG SWITCHER ═══════════════ */
  .lang-switcher {
    display: flex; align-items: center; gap: 6px; margin-left: 8px;
  }
  .lang-switcher a {
    text-decoration: none;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.06em;
    padding: 4px 8px;
    transition: color 0.2s, background 0.2s;
    color: rgba(255,255,255,0.4);
  }
  .lang-switcher a:hover { color: var(--accent-on-dark); }
  .lang-switcher a.active {
    color: var(--white);
    background: rgba(23,36,61,0.3);
  }
  .lang-switcher-sep {
    color: rgba(255,255,255,0.2);
    font-size: 11px;
    user-select: none;
  }

  /* ═══════════════ HERO ═══════════════ */
  .hero {
    min-height: 100vh;
    background: var(--hero-bg);
    display: grid;
    grid-template-columns: 1fr 1fr;
    align-items: center;
    position: relative;
    overflow: hidden;
    padding-top: 0;
  }

  .hero::before {
    content: '';
    position: absolute; inset: 0;
    background: radial-gradient(ellipse at 60% 40%, rgba(23,36,61,0.2) 0%, transparent 60%);
    pointer-events: none;
  }

  .hero-bg-text {
    position: absolute;
    right: -20px; bottom: -60px;
    font-family: 'Montserrat', sans-serif;
    font-size: 280px;
    font-weight: 700;
    color: rgba(23,36,61,0.06);
    line-height: 1;
    pointer-events: none;
    user-select: none;
    letter-spacing: -0.05em;
  }

  .hero-left {
    padding: 80px 60px 80px 80px;
    position: relative; z-index: 1;
  }

  .hero-eyebrow {
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--accent-on-dark);
    margin-bottom: 28px;
    display: flex; align-items: center; gap: 12px;
  }

  .hero-eyebrow::before {
    content: '';
    display: block; width: 32px; height: 1px;
    background: var(--primary);
  }

  .hero-title {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(48px, 5vw, 72px);
    font-weight: 700;
    line-height: 1.05;
    color: var(--white);
    margin-bottom: 28px;
  }

  .hero-title em {
    color: var(--accent-on-dark);
    font-style: italic;
  }

  .hero-subtitle {
    font-size: 16px;
    line-height: 1.7;
    color: rgba(255,255,255,0.72);
    max-width: 420px;
    margin-bottom: 52px;
  }

  .hero-actions {
    display: flex; align-items: center; gap: 24px;
  }

  .btn-primary {
    background: var(--primary);
    color: var(--white);
    padding: 16px 32px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    text-decoration: none;
    display: inline-block;
    transition: background 0.2s, transform 0.2s;
  }
  .btn-primary:hover { background: var(--primary-hover); transform: translateY(-1px); }

  .btn-ghost {
    color: rgba(255,255,255,0.75);
    font-size: 12px;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    text-decoration: none;
    display: flex; align-items: center; gap: 8px;
    transition: color 0.2s;
  }
  .btn-ghost:hover { color: var(--accent-on-dark); }
  .btn-ghost::after { content: '→'; }

  .hero-stats {
    margin-top: 64px;
    padding-top: 40px;
    border-top: 1px solid rgba(255,255,255,0.1);
    display: flex; gap: 48px;
  }

  .hero-stat-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 36px;
    font-weight: 700;
    color: var(--accent-on-dark);
  }

  .hero-stat-label {
    font-size: 11px;
    color: rgba(255,255,255,0.55);
    letter-spacing: 0.08em;
    margin-top: 4px;
  }

  .hero-right {
    position: relative; z-index: 1;
    display: flex; align-items: center; justify-content: center;
    padding: 80px 80px 80px 40px;
  }

  .hero-card {
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.12);
    padding: 44px;
    width: 100%; max-width: 420px;
    position: relative;
  }

  .hero-card::before {
    content: '';
    position: absolute; top: 0; left: 0;
    width: 3px; height: 60px;
    background: var(--accent);
  }

  .hero-card-eyebrow {
    font-size: 9px;
    font-weight: 700;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 20px;
  }

  .hero-card-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 26px;
    font-weight: 600;
    color: var(--white);
    line-height: 1.3;
    margin-bottom: 28px;
  }

  .hero-card-form {
    display: flex; flex-direction: column; gap: 14px;
  }

  .form-field {
    display: flex; flex-direction: column; gap: 6px;
  }

  .form-field label {
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.55);
  }

  .form-field input, .form-field select {
    background: rgba(255,255,255,0.09);
    border: 1px solid rgba(255,255,255,0.18);
    padding: 12px 16px;
    font-family: 'Montserrat', sans-serif;
    font-size: 14px;
    color: var(--white);
    outline: none;
    transition: border-color 0.2s;
    appearance: none;
  }

  .form-field input:focus, .form-field select:focus {
    border-color: var(--primary);
  }

  .form-field input::placeholder { color: rgba(255,255,255,0.4); }

  .form-field select option { background: var(--ink2); }

  .form-submit {
    background: var(--primary);
    border: none;
    padding: 16px;
    font-family: 'Montserrat', sans-serif;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--white);
    cursor: pointer;
    margin-top: 8px;
    transition: background 0.2s;
  }
  .form-submit:hover { background: var(--primary-hover); }

  /* ═══════════════ MARQUEE ═══════════════ */
  .marquee-strip {
    background: var(--primary);
    padding: 14px 0;
    overflow: hidden;
    position: relative;
  }

  .marquee-inner {
    display: flex;
    white-space: nowrap;
    animation: marquee 28s linear infinite;
    gap: 0;
  }

  @keyframes marquee {
    from { transform: translateX(0); }
    to { transform: translateX(-50%); }
  }

  .marquee-item {
    display: inline-flex; align-items: center; gap: 24px;
    padding: 0 32px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--white);
  }

  .marquee-dot {
    width: 4px; height: 4px;
    border-radius: 50%;
    background: rgba(255,255,255,0.5);
    flex-shrink: 0;
  }

  /* ═══════════════ SECTIONS ═══════════════ */
  .section {
    padding: 100px 80px;
    max-width: 1280px;
    margin: 0 auto;
  }

  .section-eyebrow {
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 16px;
    display: flex; align-items: center; gap: 12px;
  }

  .section-eyebrow::before {
    content: '';
    display: block; width: 24px; height: 1px;
    background: var(--primary);
  }

  .section-title {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(36px, 4vw, 56px);
    font-weight: 700;
    line-height: 1.1;
    margin-bottom: 20px;
  }

  .section-title em { color: var(--primary); font-style: italic; }

  .section-subtitle {
    font-size: 16px;
    line-height: 1.7;
    color: var(--muted);
    max-width: 560px;
  }

  /* ═══════════════ SERVICES ═══════════════ */
  /* ═══════════════ TECHNOLOGY / PLATFORMS ═══════════════ */
  .tech-section {
    padding: 100px 0;
    position: relative;
    overflow: hidden;
  }

  .tech-section--pro {
    background: var(--hero-bg);
  }

  .tech-section--one {
    background: var(--cream2);
  }

  .tech-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 80px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
  }

  .tech-content {
    position: relative;
    z-index: 1;
  }

  .tech-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(23,36,61,0.15);
    border: 1px solid rgba(23,36,61,0.3);
    padding: 6px 16px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 24px;
  }

  .tech-section--pro .tech-badge {
    color: var(--accent-on-dark);
    background: rgba(184,50,62,0.1);
    border-color: rgba(184,50,62,0.3);
  }

  .tech-section--one .tech-badge {
    color: var(--primary);
  }

  .tech-title {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(32px, 3.5vw, 48px);
    font-weight: 700;
    line-height: 1.1;
    margin-bottom: 20px;
  }

  .tech-section--pro .tech-title { color: var(--white); }
  .tech-section--pro .tech-title em { color: var(--accent-on-dark); font-style: italic; }
  .tech-section--one .tech-title { color: var(--ink); }
  .tech-section--one .tech-title em { color: var(--primary); font-style: italic; }

  .tech-subtitle {
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 40px;
  }

  .tech-section--pro .tech-subtitle { color: rgba(255,255,255,0.72); }
  .tech-section--one .tech-subtitle { color: var(--muted); }

  .tech-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }

  .tech-feature {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 16px;
    border-radius: 0;
  }

  .tech-section--pro .tech-feature {
    background: rgba(23,36,61,0.12);
    border: 1px solid rgba(23,36,61,0.2);
  }

  .tech-section--one .tech-feature {
    background: var(--white);
    border: 1px solid var(--border);
  }

  .tech-feature-icon {
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    margin-top: 2px;
  }

  .tech-section--pro .tech-feature-icon svg {
    stroke: var(--accent-on-dark);
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
  }

  .tech-section--one .tech-feature-icon svg {
    stroke: var(--primary);
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
  }

  .tech-feature-text {
    font-size: 13px;
    font-weight: 500;
    line-height: 1.5;
  }

  .tech-section--pro .tech-feature-text { color: rgba(255,255,255,0.85); }
  .tech-section--one .tech-feature-text { color: var(--ink2); }

  .tech-visual {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .tech-visual-card {
    width: 100%;
    padding: 48px 40px;
    position: relative;
  }

  .tech-section--pro .tech-visual-card {
    background: rgba(23,36,61,0.08);
    border: 1px solid rgba(23,36,61,0.2);
  }

  .tech-section--one .tech-visual-card {
    background: var(--white);
    border: 1px solid var(--border);
    box-shadow: 0 8px 40px rgba(17,25,39,0.08);
  }

  .tech-visual-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    margin-bottom: 20px;
  }

  .tech-section--pro .tech-visual-label { color: var(--accent-on-dark); }
  .tech-section--one .tech-visual-label { color: var(--primary); }

  .tech-visual-metrics {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }

  .tech-metric {
    text-align: center;
    padding: 20px 12px;
  }

  .tech-section--pro .tech-metric {
    background: rgba(184,50,62,0.06);
    border: 1px solid rgba(184,50,62,0.15);
  }

  .tech-section--one .tech-metric {
    background: var(--cream);
    border: 1px solid var(--border);
  }

  .tech-metric-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 28px;
    font-weight: 700;
    line-height: 1;
    margin-bottom: 6px;
  }

  .tech-section--pro .tech-metric-num { color: var(--accent-on-dark); }
  .tech-section--one .tech-metric-num { color: var(--primary); }

  .tech-metric-label {
    font-size: 11px;
    font-weight: 500;
    letter-spacing: 0.04em;
  }

  .tech-section--pro .tech-metric-label { color: rgba(255,255,255,0.6); }
  .tech-section--one .tech-metric-label { color: var(--muted); }

  .tech-cta {
    margin-top: 36px;
    display: flex;
    gap: 16px;
    align-items: center;
  }

  .tech-cta .btn-primary {
    background: var(--primary);
  }

  .tech-section--pro .tech-cta .btn-ghost {
    color: rgba(255,255,255,0.7);
    border-color: rgba(255,255,255,0.25);
  }

  .tech-section--pro .tech-cta .btn-ghost:hover {
    color: var(--white);
    border-color: rgba(255,255,255,0.5);
  }

  .tech-section--pro::before {
    content: '';
    position: absolute; top: -100px; right: -100px;
    width: 500px; height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(184,50,62,0.1) 0%, transparent 60%);
    pointer-events: none;
  }

  .services-section {
    background: var(--cream2);
    padding: 100px 0;
  }

  .services-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 80px;
  }

  .services-header {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: end;
    margin-bottom: 72px;
  }

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

  .service-card {
    background: var(--white);
    padding: 44px 36px;
    position: relative;
    transition: transform 0.3s;
    overflow: hidden;
    cursor: default;
  }

  .service-card::before {
    content: '';
    position: absolute; bottom: 0; left: 0; right: 0;
    height: 3px;
    background: var(--primary);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.3s;
  }

  .service-card:hover { transform: translateY(-4px); }
  .service-card:hover::before { transform: scaleX(1); }

  .service-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 60px;
    font-weight: 700;
    color: var(--primary);
    opacity: 0.12;
    line-height: 1;
    margin-bottom: 20px;
  }

  .service-icon {
    width: 44px; height: 44px;
    background: var(--primary-dim);
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 24px;
  }

  .service-icon svg { width: 22px; height: 22px; fill: var(--primary); }

  .service-name {
    font-family: 'Montserrat', sans-serif;
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 12px;
    line-height: 1.2;
  }

  .service-desc {
    font-size: 13px;
    line-height: 1.7;
    color: var(--muted);
    margin-bottom: 28px;
  }

  .service-link {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--primary);
    text-decoration: none;
    display: flex; align-items: center; gap: 8px;
    transition: gap 0.2s;
  }
  .service-link {
    background: none;
    border: none;
    padding: 0;
    cursor: pointer;
    font-family: inherit;
  }
  .service-link:hover { gap: 14px; }
  .service-link::after { content: '→'; transition: transform 0.3s; }
  .service-card.open .service-link::after { transform: rotate(90deg); }

  .service-detail {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
  }
  .service-detail-inner {
    padding-top: 20px;
    border-top: 1px solid var(--primary-dim);
  }
  .service-detail-title {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 12px;
  }
  .service-detail-list {
    list-style: none;
    padding: 0;
    margin: 0 0 20px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 6px;
  }
  .service-detail-list li {
    font-size: 12px;
    color: var(--muted);
    padding-left: 18px;
    position: relative;
    line-height: 1.6;
  }
  .service-detail-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--primary);
    font-weight: 600;
  }
  .service-detail-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    color: var(--white);
    background: var(--primary);
    padding: 10px 24px;
    border: none;
    cursor: pointer;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    transition: opacity 0.2s;
    text-decoration: none;
  }
  .service-detail-cta:hover { opacity: 0.85; }
  .service-card.open { transform: none !important; }
  @media (max-width: 600px) {
    .service-detail-list { grid-template-columns: 1fr; }
  }

  /* ═══════════════ WHY ═══════════════ */
  .why-section {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    min-height: 600px;
  }

  .why-left {
    background: var(--hero-bg);
    padding: 80px;
    position: relative;
    overflow: hidden;
  }

  .why-left::before {
    content: '';
    position: absolute; top: -100px; right: -100px;
    width: 400px; height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(23,36,61,0.18) 0%, transparent 70%);
    pointer-events: none;
  }

  .why-left .section-eyebrow { margin-bottom: 24px; }
  .why-left .section-title { color: var(--white); }
  .why-left .section-title em { color: var(--primary); }
  .why-left .section-subtitle { color: rgba(255,255,255,0.65); margin-bottom: 52px; }

  .why-pillars {
    display: flex; flex-direction: column; gap: 28px;
  }

  .why-pillar {
    display: flex; align-items: flex-start; gap: 20px;
    padding-bottom: 28px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .why-pillar:last-child { border-bottom: none; padding-bottom: 0; }

  .why-pillar-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 28px;
    font-weight: 700;
    color: var(--primary);
    opacity: 0.6;
    flex-shrink: 0;
    line-height: 1;
    margin-top: 2px;
  }

  .why-pillar-title {
    font-size: 15px;
    font-weight: 600;
    color: var(--white);
    margin-bottom: 6px;
  }

  .why-pillar-desc {
    font-size: 13px;
    line-height: 1.6;
    color: rgba(255,255,255,0.6);
  }

  .why-right {
    background: var(--cream2);
    padding: 80px;
    display: flex; flex-direction: column; justify-content: center;
  }

  .why-quote {
    font-family: 'Montserrat', sans-serif;
    font-size: 36px;
    font-weight: 400;
    font-style: italic;
    line-height: 1.4;
    color: var(--ink);
    margin-bottom: 32px;
    position: relative;
  }

  .why-quote::before {
    content: '"';
    font-size: 120px;
    color: var(--primary);
    opacity: 0.15;
    position: absolute;
    top: -30px; left: -20px;
    line-height: 1;
    font-style: normal;
  }

  .why-quote-author {
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--muted);
    display: flex; align-items: center; gap: 12px;
  }

  .why-quote-author::before {
    content: '';
    display: block; width: 24px; height: 1px;
    background: var(--primary);
  }

  .why-testimonials {
    margin-top: 52px;
    display: flex; flex-direction: column; gap: 24px;
  }

  .testimonial {
    background: var(--white);
    padding: 28px;
    border-left: 3px solid var(--primary);
  }

  .testimonial-text {
    font-size: 14px;
    line-height: 1.7;
    color: var(--ink2);
    margin-bottom: 16px;
    font-style: italic;
  }

  .testimonial-author {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--muted);
  }

  .testimonial-role {
    font-size: 11px;
    color: var(--muted2);
    margin-top: 2px;
  }

  /* ═══════════════ BLOG ═══════════════ */
  .blog-section {
    padding: 100px 80px;
    max-width: 1280px;
    margin: 0 auto;
  }

  .blog-header {
    display: flex; align-items: flex-end; justify-content: space-between;
    margin-bottom: 56px;
  }

  .blog-grid {
    display: flex;
    flex-direction: column;
  }

  .blog-card {
    background: transparent;
    overflow: visible;
    display: flex; flex-direction: row; align-items: center;
    transition: background 0.2s;
    cursor: pointer;
    padding: 20px 16px;
    border-bottom: 1px solid rgba(0,0,0,0.06);
  }

  .blog-card:first-child {
    border-top: 1px solid rgba(0,0,0,0.06);
  }

  .blog-card:hover { transform: none; background: rgba(23,36,61,0.04); }

  .blog-card-img {
    width: 72px; height: 72px; min-width: 72px;
    background: var(--hero-bg);
    position: relative;
    overflow: hidden;
    border-radius: 10px;
    flex-shrink: 0;
  }

  .blog-card-img-bg {
    position: absolute; inset: 0;
    display: flex; align-items: center; justify-content: center;
  }

  .blog-card-img-text {
    display: none;
  }

  .blog-card-tag {
    position: absolute;
    top: auto; bottom: 0; left: 0; right: 0;
    background: var(--primary);
    color: var(--white);
    font-size: 7px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 3px 4px;
    text-align: center;
    line-height: 1.2;
  }

  .blog-card-body {
    padding: 0 0 0 20px;
    flex: 1;
    display: flex; flex-direction: column; gap: 2px;
  }

  .blog-card-date {
    font-size: 11px;
    color: var(--muted2);
    letter-spacing: 0.06em;
    margin-bottom: 0;
  }

  .blog-card-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 16px;
    font-weight: 700;
    line-height: 1.3;
    margin-bottom: 0;
  }

  .blog-card-excerpt {
    font-size: 13px;
    line-height: 1.5;
    color: var(--muted);
    margin-bottom: 0;
    display: -webkit-box;
    -webkit-line-clamp: 1;
    -webkit-box-orient: vertical;
    overflow: hidden;
  }

  .blog-card-link {
    display: none;
  }

  /* ═══════════════ TEAM ═══════════════ */
  .team-section {
    padding: 100px 80px;
    background: var(--white);
  }

  .team-header {
    text-align: center;
    margin-bottom: 64px;
  }

  .team-profile {
    display: grid;
    grid-template-columns: 380px 1fr;
    gap: 64px;
    max-width: 1100px;
    margin: 0 auto;
    align-items: start;
  }

  .team-photo-wrapper {
    position: relative;
  }

  .team-photo-wrapper::before {
    content: '';
    position: absolute;
    top: -8px; left: -8px;
    right: 8px; bottom: 8px;
    border: 1.5px solid var(--primary);
    z-index: 0;
  }

  .team-photo {
    width: 100%;
    aspect-ratio: 3/4;
    object-fit: cover;
    display: block;
    position: relative;
    z-index: 1;
    filter: grayscale(15%);
  }

  .team-name {
    font-family: 'Montserrat', sans-serif;
    font-size: 36px;
    font-weight: 700;
    color: var(--ink);
    line-height: 1.1;
    margin-bottom: 8px;
  }

  .team-role {
    font-size: 13px;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--primary);
    font-weight: 600;
    margin-bottom: 28px;
  }

  .team-bio p {
    font-size: 15px;
    line-height: 1.8;
    color: var(--ink2);
    margin-bottom: 20px;
  }

  .team-bio strong {
    color: var(--ink);
    font-weight: 600;
  }

  @media (max-width: 1024px) {
    .team-section { padding: 60px 28px; }
    .team-profile { grid-template-columns: 1fr; gap: 40px; }
    .team-photo-wrapper { max-width: 320px; margin: 0 auto; }
  }

  /* ═══════════════ FAQ ═══════════════ */
  .faq-section {
    background: var(--cream2);
    padding: 100px 0;
  }

  .faq-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 80px;
  }

  .faq-header {
    text-align: center;
    margin-bottom: 60px;
  }

  .faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0;
  }

  .faq-item {
    border-bottom: 1px solid var(--border);
  }

  .faq-item:first-child {
    border-top: 1px solid var(--border);
  }

  .faq-question {
    width: 100%;
    background: none;
    border: none;
    padding: 24px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    cursor: pointer;
    text-align: left;
    font-family: 'Montserrat', sans-serif;
    font-size: 16px;
    font-weight: 600;
    color: var(--ink);
    line-height: 1.4;
    transition: color 0.2s;
  }

  .faq-question:hover { color: var(--primary); }

  .faq-question-icon {
    width: 32px;
    height: 32px;
    border: 1px solid var(--border);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: background 0.3s, border-color 0.3s;
  }

  .faq-question-icon svg {
    width: 14px;
    height: 14px;
    stroke: var(--muted);
    fill: none;
    stroke-width: 2;
    transition: transform 0.3s, stroke 0.3s;
  }

  .faq-item.open .faq-question-icon {
    background: var(--primary);
    border-color: var(--primary);
  }

  .faq-item.open .faq-question-icon svg {
    stroke: var(--white);
    transform: rotate(45deg);
  }

  .faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.3s ease;
  }

  .faq-answer-inner {
    padding: 0 0 24px;
    font-size: 14px;
    line-height: 1.8;
    color: var(--muted);
    max-width: 680px;
  }

  /* ═══════════════ CTA STRIP ═══════════════ */
  .cta-strip {
    background: var(--hero-bg);
    padding: 80px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 48px;
    position: relative;
    overflow: hidden;
  }

  .cta-strip::before {
    content: '';
    position: absolute; inset: 0;
    background: radial-gradient(ellipse at 80% 50%, rgba(23,36,61,0.15) 0%, transparent 60%);
    pointer-events: none;
  }

  .cta-strip-text { position: relative; z-index: 1; }

  .cta-strip-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 42px; font-weight: 700;
    color: var(--white); line-height: 1.1;
    margin-bottom: 14px;
  }
  .cta-strip-title em { color: var(--primary); font-style: italic; }

  .cta-strip-sub {
    font-size: 14px;
    color: rgba(255,255,255,0.65);
    max-width: 480px; line-height: 1.6;
  }

  .cta-strip-actions {
    display: flex; flex-direction: column; gap: 14px;
    flex-shrink: 0; position: relative; z-index: 1;
  }

  .cta-contact-item {
    display: flex; align-items: center; gap: 14px;
  }

  .cta-contact-icon {
    width: 40px; height: 40px;
    border: 1px solid rgba(184,50,62,0.35);
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }

  .cta-contact-icon svg { width: 18px; height: 18px; fill: var(--accent-on-dark); }

  .cta-contact-label {
    font-size: 10px; letter-spacing: 0.1em;
    text-transform: uppercase; color: rgba(255,255,255,0.5);
    margin-bottom: 3px;
  }

  .cta-contact-value {
    font-size: 15px; font-weight: 500;
    color: var(--white);
  }

  /* ═══════════════ FOOTER ═══════════════ */
  footer {
    background: var(--footer-bg);
    padding: 56px 80px 36px;
    border-top: 1px solid rgba(23,36,61,0.2);
  }

  .footer-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr;
    gap: 60px;
    margin-bottom: 52px;
  }

  .footer-brand-name {
    font-family: 'Montserrat', sans-serif;
    font-size: 20px; font-weight: 600;
    color: var(--white); letter-spacing: 0.04em;
    margin-bottom: 16px;
  }
  .footer-brand-name em { color: var(--accent-on-dark); font-style: normal; }

  .footer-brand-desc {
    font-size: 13px; line-height: 1.7;
    color: rgba(255,255,255,0.5);
    max-width: 280px; margin-bottom: 28px;
  }

  .footer-badge {
    display: inline-flex; align-items: center; gap: 8px;
    border: 1px solid rgba(23,36,61,0.3);
    padding: 8px 16px;
    font-size: 10px; letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.5);
  }

  .footer-badge-dot {
    width: 6px; height: 6px; border-radius: 50%;
    background: var(--accent);
  }

  .footer-col-title {
    font-size: 10px; font-weight: 700;
    letter-spacing: 0.16em; text-transform: uppercase;
    color: rgba(255,255,255,0.55); margin-bottom: 20px;
  }

  .footer-col-links {
    list-style: none; display: flex; flex-direction: column; gap: 10px;
  }

  .footer-col-links a {
    text-decoration: none;
    font-size: 13px; color: rgba(255,255,255,0.6);
    transition: color 0.2s;
  }
  .footer-col-links a:hover { color: var(--accent-on-dark); }

  .footer-social {
    display: flex; gap: 12px; padding-top: 8px;
  }
  .footer-social a {
    display: flex; align-items: center; justify-content: center;
    width: 36px; height: 36px;
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: 50%;
    transition: border-color 0.2s, background 0.2s;
  }
  .footer-social a:hover {
    border-color: var(--accent-on-dark);
    background: rgba(184,50,62,0.1);
  }
  .footer-social a svg {
    width: 16px; height: 16px;
    fill: rgba(255,255,255,0.6);
    transition: fill 0.2s;
  }
  .footer-social a:hover svg { fill: var(--accent-on-dark); }

  .footer-bottom {
    padding-top: 32px;
    border-top: 1px solid rgba(255,255,255,0.08);
    display: flex; align-items: center; justify-content: space-between;
    flex-wrap: wrap; gap: 16px;
  }

  .footer-platforms {
    display: flex; gap: 12px;
  }
  .footer-platform-link {
    color: var(--accent-on-dark) !important;
    border: 1px solid rgba(184,50,62,0.4);
    padding: 8px 18px;
    font-size: 11px !important;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    text-decoration: none;
    transition: all 0.2s;
  }
  .footer-platform-link:hover {
    background: rgba(184,50,62,0.12);
    border-color: var(--accent-on-dark);
  }

  .footer-copy {
    font-size: 12px;
    color: rgba(255,255,255,0.35);
  }

  .footer-legal {
    display: flex; gap: 24px;
  }
  .footer-legal a {
    text-decoration: none;
    font-size: 12px; color: rgba(255,255,255,0.35);
    transition: color 0.2s;
  }
  .footer-legal a:hover { color: rgba(255,255,255,0.6); }

  .footer-regulatory {
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.08);
    margin-top: 24px;
    text-align: center;
  }
  .footer-regulatory p {
    font-size: 11px;
    color: rgba(255,255,255,0.3);
    margin: 0;
    line-height: 1.6;
  }

  /* ═══════════════ RESPONSIVE ═══════════════ */
  @media (max-width: 1024px) {
    .site-nav { padding: 0 28px; justify-content: space-between; }
    .nav-links { display: none; }
    .nav-logo { position: static; left: auto; transform: none; }
    .nav-burger { display: flex; }

    .hero { grid-template-columns: 1fr; }
    .hero-right { display: none; }
    .hero-left { padding: 60px 28px; }

    .services-inner { padding: 0 28px; }
    .services-header { grid-template-columns: 1fr; gap: 24px; }
    .services-grid { grid-template-columns: 1fr; }

    .tech-inner { grid-template-columns: 1fr; gap: 48px; padding: 0 28px; }
    .tech-section { padding: 60px 0; }
    .tech-features { grid-template-columns: 1fr; }
    .tech-visual { order: -1; }

    .why-section { grid-template-columns: 1fr; }
    .why-left, .why-right { padding: 60px 28px; }

    .blog-section { padding: 60px 28px; }
    .blog-header { flex-direction: column; align-items: flex-start; gap: 24px; }
    .blog-card { padding: 16px 8px; }
    .blog-card-img { width: 56px; height: 56px; min-width: 56px; border-radius: 8px; }
    .blog-card-title { font-size: 14px; }
    .blog-card-excerpt { display: none; }
    .blog-card-body { padding-left: 14px; }

    .faq-inner { padding: 0 28px; }

    .cta-strip { padding: 60px 28px; flex-direction: column; }
    footer { padding: 56px 28px 36px; }
    .footer-top { grid-template-columns: 1fr 1fr; gap: 40px; }
    .footer-bottom { flex-direction: column; gap: 16px; text-align: center; }
    .section { padding: 60px 28px; }
  }

  /* Mobile nav */
  .mobile-nav {
    display: none;
    position: fixed; top: 0; left: 0; right: 0; bottom: 0;
    background: var(--nav-bg); z-index: 99;
    padding: 124px 28px 40px; overflow-y: auto;
    flex-direction: column; gap: 8px;
  }
  .mobile-nav.open { display: flex; }
  .mobile-nav a {
    text-decoration: none;
    font-size: 24px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    color: rgba(255,255,255,0.8);
    padding: 14px 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    transition: color 0.2s;
  }
  .mobile-nav a:hover { color: var(--accent-on-dark); }

  .mobile-lang-switcher {
    display: flex; align-items: center; gap: 12px;
    padding: 14px 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
  .mobile-lang-switcher a {
    font-size: 18px;
    padding: 6px 14px;
    border: none;
  }
  .mobile-lang-switcher a.active {
    color: var(--white);
    background: rgba(23,36,61,0.3);
  }

  /* Animate in */
  .fade-up {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.7s ease, transform 0.7s ease;
  }
  .fade-up.visible {
    opacity: 1;
    transform: translateY(0);
  }

  /* ═══════════════ PARTNERS ═══════════════ */
  .partners-section {
    padding: 80px 48px;
    background: var(--white);
    text-align: center;
  }

  .partners-logos {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 60px;
    flex-wrap: wrap;
    margin-top: 48px;
  }

  .partner-logo {
    display: flex;
    align-items: center;
    justify-content: center;
    height: 50px;
    opacity: 0.55;
    transition: opacity 0.3s;
    filter: grayscale(100%);
  }

  .partner-logo:hover {
    opacity: 1;
    filter: grayscale(0%);
  }

  .partner-logo img {
    max-height: 50px;
    width: auto;
  }

  .partner-logo-text {
    font-family: 'Montserrat', sans-serif;
    font-size: 28px;
    font-weight: 700;
    color: var(--ink);
    letter-spacing: 0.02em;
  }

  @media (max-width: 768px) {
    .partners-section { padding: 60px 24px; }
    .partners-logos { gap: 40px; }
    .partner-logo-text { font-size: 22px; }
      .asf-top-bar { font-size: 10px; padding: 6px 16px; }
  }

  /* ═══════════════ CONTACT MODAL ═══════════════ */
  .contact-modal-overlay {
    display: none;
    position: fixed; inset: 0; z-index: 200;
    background: rgba(17,25,39,0.85);
    backdrop-filter: blur(6px);
    align-items: center; justify-content: center;
    padding: 40px;
  }
  .contact-modal-overlay.open { display: flex; }

  .contact-modal {
    background: var(--cream);
    max-width: 540px; width: 100%;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
  }

  .contact-modal-header {
    background: var(--hero-bg);
    padding: 40px 44px 36px;
    position: relative;
  }

  .contact-modal-close {
    position: absolute; top: 16px; right: 20px;
    background: none; border: 1px solid rgba(255,255,255,0.2);
    color: rgba(255,255,255,0.6);
    width: 36px; height: 36px;
    cursor: pointer; font-size: 16px;
    display: flex; align-items: center; justify-content: center;
    transition: 0.2s;
  }
  .contact-modal-close:hover { border-color: var(--primary); color: var(--primary); }

  .contact-modal-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 30px; font-weight: 700;
    color: var(--white); line-height: 1.15;
    margin-bottom: 8px;
  }

  .contact-modal-subtitle {
    font-size: 14px;
    color: rgba(255,255,255,0.6);
    line-height: 1.5;
  }

  .contact-modal-body {
    padding: 36px 44px 44px;
  }

  .contact-form {
    display: flex; flex-direction: column; gap: 20px;
  }

  .contact-form-field {
    display: flex; flex-direction: column; gap: 6px;
  }

  .contact-form-field label {
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--muted);
  }

  .contact-form-field input,
  .contact-form-field textarea {
    background: var(--white);
    border: 1px solid var(--border);
    padding: 14px 16px;
    font-family: 'Montserrat', sans-serif;
    font-size: 14px;
    color: var(--ink);
    outline: none;
    transition: border-color 0.2s;
  }

  .contact-form-field input:focus,
  .contact-form-field textarea:focus {
    border-color: var(--primary);
  }

  .contact-form-field input::placeholder,
  .contact-form-field textarea::placeholder {
    color: var(--muted2);
  }

  .contact-form-field textarea {
    resize: vertical;
    min-height: 120px;
  }

  .contact-form-charcount {
    font-size: 11px;
    color: var(--muted2);
    text-align: right;
    margin-top: 4px;
  }

  .contact-form-submit {
    background: var(--primary);
    border: none;
    padding: 16px;
    font-family: 'Montserrat', sans-serif;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--white);
    cursor: pointer;
    margin-top: 8px;
    transition: background 0.2s;
  }
  .contact-form-submit:hover { background: var(--primary-hover); }

  .contact-form-success {
    display: none;
    text-align: center;
    padding: 40px 20px;
  }
  .contact-form-success.show { display: block; }
  .contact-form-success-icon {
    width: 56px; height: 56px;
    background: var(--primary-dim);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 20px;
  }
  .contact-form-success-icon svg { width: 28px; height: 28px; stroke: var(--primary); fill: none; stroke-width: 2; }
  .contact-form-success h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 26px; font-weight: 700;
    margin-bottom: 10px;
  }
  .contact-form-success p {
    font-size: 14px; color: var(--muted); line-height: 1.6;
  }

  @media (max-width: 768px) {
    .contact-modal-header { padding: 32px 24px 28px; }
    .contact-modal-body { padding: 28px 24px 32px; }
    .contact-modal-title { font-size: 24px; }
  }

  /* ASF TOP BAR */
  .asf-top-bar {
    background: #17243D;
    color: rgba(255,255,255,0.85);
    text-align: center;
    font-size: 12px;
    font-weight: 500;
    letter-spacing: 0.03em;
    padding: 8px 24px;
    line-height: 1.4;
  }
  .asf-top-bar a {
    color: #B8323E;
    text-decoration: none;
    font-weight: 600;
    transition: color 0.2s;
  }
  .asf-top-bar a:hover { color: #E8919B; }

  /* ═══════════════ EXPAT HEALTH LANDING ═══════════════ */
  .lp-main { padding-top: 0; }
  .lp-hero {
    background: var(--hero-bg);
    color: var(--white);
    padding: 88px 48px 96px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .lp-hero::after {
    content: '';
    position: absolute; inset: 0;
    background: radial-gradient(circle at 50% 0%, rgba(23,36,61,0.22), transparent 60%);
    pointer-events: none;
  }
  .lp-hero-inner { max-width: 880px; margin: 0 auto; position: relative; z-index: 1; }
  .lp-eyebrow {
    font-size: 12px; font-weight: 600; letter-spacing: 0.18em;
    text-transform: uppercase; color: var(--accent-on-dark); margin-bottom: 22px;
  }
  .lp-hero h1 {
    font-family: 'Montserrat', sans-serif;
    font-size: 46px; font-weight: 700; line-height: 1.12;
    letter-spacing: -0.01em; margin-bottom: 24px;
  }
  .lp-hero-sub {
    font-size: 18px; line-height: 1.65; color: rgba(255,255,255,0.82);
    max-width: 720px; margin: 0 auto 36px;
  }
  .lp-trust {
    margin-top: 38px; padding-top: 26px;
    border-top: 1px solid rgba(255,255,255,0.14);
    font-size: 13px; font-weight: 500; letter-spacing: 0.04em;
    color: rgba(255,255,255,0.7); line-height: 1.9;
  }
  .lp-trust strong { color: var(--accent-on-dark); font-weight: 600; }

  .lp-sections { background: var(--cream); padding: 84px 48px; }
  .lp-sections-inner { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 40px; }
  .lp-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-left: 4px solid var(--primary);
    padding: 34px 38px;
  }
  .lp-card h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 24px; font-weight: 700; color: var(--ink);
    margin-bottom: 14px; line-height: 1.25;
  }
  .lp-card p { font-size: 16px; line-height: 1.7; color: var(--ink2); }

  .lp-form-section { background: var(--cream2); padding: 84px 48px; }
  .lp-form-card {
    max-width: 620px; margin: 0 auto;
    background: var(--white);
    border: 1px solid var(--border);
    padding: 48px 44px;
  }
  .lp-form-card h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 30px; font-weight: 700; color: var(--ink);
    text-align: center; margin-bottom: 10px;
  }
  .lp-form-card .lp-form-sub {
    text-align: center; font-size: 15px; color: var(--ink2);
    line-height: 1.6; margin-bottom: 32px;
  }
  .lp-form-card select {
    background: var(--white);
    border: 1px solid var(--border);
    padding: 14px 16px;
    font-family: 'Montserrat', sans-serif;
    font-size: 14px; color: var(--ink);
    outline: none; transition: border-color 0.2s;
  }
  .lp-form-card select:focus { border-color: var(--primary); }
  .lp-smallprint {
    margin-top: 22px; font-size: 12px; line-height: 1.6;
    color: var(--muted2); text-align: center;
  }

  .lp-faq-section { background: var(--cream); padding: 84px 48px; }
  .lp-faq-inner { max-width: 780px; margin: 0 auto; }
  .lp-faq-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 30px; font-weight: 700; color: var(--ink);
    text-align: center; margin-bottom: 40px;
  }
  .lp-faq-item {
    border-bottom: 1px solid var(--border);
    padding: 24px 0;
  }
  .lp-faq-item h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 18px; font-weight: 600; color: var(--ink);
    margin-bottom: 10px;
  }
  .lp-faq-item p { font-size: 15px; line-height: 1.7; color: var(--ink2); }

  @media (max-width: 768px) {
    .lp-hero { padding: 64px 24px 72px; }
    .lp-hero h1 { font-size: 34px; }
    .lp-hero-sub { font-size: 16px; }
    .lp-sections, .lp-form-section, .lp-faq-section { padding: 56px 22px; }
    .lp-card { padding: 26px 24px; }
    .lp-form-card { padding: 36px 24px; }
  }

  .lp-steps { list-style: none; counter-reset: lpstep; margin-top: 8px; }
  .lp-steps li {
    position: relative; padding-left: 44px; margin-bottom: 20px;
    font-size: 16px; line-height: 1.7; color: var(--ink2);
  }
  .lp-steps li:last-child { margin-bottom: 0; }
  .lp-steps li::before {
    counter-increment: lpstep; content: counter(lpstep);
    position: absolute; left: 0; top: 2px;
    width: 28px; height: 28px; border-radius: 50%;
    background: var(--primary); color: var(--white);
    font-size: 13px; font-weight: 700;
    display: flex; align-items: center; justify-content: center;
  }
  .lp-steps li strong, .lp-list li strong { color: var(--ink); }
  .lp-list { margin: 14px 0 0; padding-left: 22px; }
  .lp-list li { font-size: 16px; line-height: 1.9; color: var(--ink2); }
  .lp-card h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 17px; font-weight: 600; color: var(--ink);
    margin: 24px 0 8px;
  }
  .lp-card p + p { margin-top: 14px; }
  .lp-table-wrap { overflow-x: auto; margin-top: 18px; }
  .lp-table { width: 100%; border-collapse: collapse; font-size: 14px; min-width: 660px; }
  .lp-table th, .lp-table td {
    border: 1px solid var(--border); padding: 12px 14px;
    text-align: left; vertical-align: top; line-height: 1.6; color: var(--ink2);
  }
  .lp-table th {
    background: var(--cream); color: var(--ink);
    font-weight: 700; font-size: 12px;
    text-transform: uppercase; letter-spacing: 0.05em;
  }
  .lp-table td:first-child { font-weight: 700; color: var(--ink); white-space: nowrap; }
  .lp-note { font-size: 14px; line-height: 1.7; color: var(--muted); margin-top: 16px; }

    .lp-form-trust { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--border); }
    .lp-form-trust span { font-size: 12.5px; font-weight: 600; color: var(--ink); opacity: .78; display: flex; align-items: center; gap: 7px; }
    .lp-form-trust span::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--primary); flex-shrink: 0; }

  .lp-hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 8px; }
  .lp-btn-wa {
    display: inline-flex; align-items: center; gap: 9px;
    background: #25D366; color: #fff; text-decoration: none;
    font-size: 13px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
    padding: 16px 32px; border-radius: 4px; transition: background .2s, transform .2s;
  }
  .lp-btn-wa:hover { background: #1ebe57; transform: translateY(-1px); }
  .lp-btn-wa svg { width: 17px; height: 17px; fill: currentColor; flex-shrink: 0; }
  .lp-trustbar { background: var(--white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 26px 48px; }
  .lp-trustbar-inner { max-width: 1080px; margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
  .lp-trustbar-item { display: flex; align-items: center; gap: 11px; font-size: 14px; font-weight: 600; color: var(--ink); line-height: 1.4; min-width: 0; }
  .lp-trustbar-item::before { content: ''; width: 9px; height: 9px; border-radius: 50%; background: var(--primary); flex-shrink: 0; }
  .lp-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 20px; }
  .lp-grid-item { background: var(--cream); border: 1px solid var(--border); border-radius: 10px; padding: 22px 24px; }
  .lp-grid-item h3 { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 8px; }
  .lp-grid-item p { font-size: 14.5px; line-height: 1.7; color: var(--ink2); }
  .lp-covers { list-style: none; margin-top: 14px; }
  .lp-covers li { padding: 13px 0; border-bottom: 1px solid var(--border); font-size: 15px; line-height: 1.7; color: var(--ink2); }
  .lp-covers li:last-child { border-bottom: none; }
  .lp-covers li strong { display: block; color: var(--ink); font-weight: 700; margin-bottom: 3px; }
  .lp-insurer { padding: 18px 0; border-bottom: 1px solid var(--border); }
  .lp-insurer:last-child { border-bottom: none; }
  .lp-insurer a { font-size: 17px; font-weight: 700; color: var(--primary); text-decoration: none; }
  .lp-insurer a:hover { text-decoration: underline; }
  .lp-insurer p { font-size: 14.5px; line-height: 1.7; color: var(--ink2); margin-top: 5px; }
  .lp-guides { list-style: none; margin-top: 12px; }
  .lp-guides li { padding: 10px 0; border-bottom: 1px solid var(--border); font-size: 15px; line-height: 1.6; }
  .lp-guides li:last-child { border-bottom: none; }
  .lp-guides a { color: var(--primary); font-weight: 600; text-decoration: none; }
  .lp-guides a:hover { text-decoration: underline; }
  .lp-disclaimer { background: var(--cream2); padding: 30px 48px; }
  .lp-disclaimer p { max-width: 820px; margin: 0 auto; font-size: 12.5px; line-height: 1.7; color: var(--muted); text-align: center; }
  .lp-form-card .contact-form-field select { width: 100%; }
  .lp-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
  @media (max-width: 860px) {
    .lp-grid { grid-template-columns: 1fr; }
    .lp-form-row { grid-template-columns: 1fr; gap: 0; }
    .lp-trustbar { padding: 22px 22px; }
    .lp-disclaimer { padding: 26px 22px; }
  }

  /* Trustbar at tablet/mobile: below 768px the four-column desktop grid
     squeezes each item into a column too narrow to hold "heading + full
     sentence" as a single flex row — the dot vertically centers against a
     multi-line block and the heading/sentence wrap into their own narrow
     sub-columns instead of stacking. Fixed by switching the item from a
     flex row to a block box: `strong` becomes its own line (a block-level
     element always starts a new line among inline/text siblings, so this
     needs no HTML change — the sentence that follows it in the markup
     flows onto the next line automatically), and the dot moves to an
     absolutely-positioned marker so it no longer participates in that flow
     at all. One column only, per the mobile-fix brief: a two-column tablet
     state was tried and did not leave enough width for the longer items
     ("We compare the market...") to read as a single readable column, so
     this goes straight to one column at the same breakpoint every other
     rule in this file already uses. */
  @media (max-width: 768px) {
    .lp-trustbar { padding: 24px 20px; }
    .lp-trustbar-inner { grid-template-columns: 1fr; gap: 0; max-width: 560px; }
    .lp-trustbar-item {
      display: block;
      position: relative;
      padding: 16px 0 16px 22px;
      border-bottom: 1px solid var(--border);
      font-weight: 400;
    }
    .lp-trustbar-item:last-child { border-bottom: none; }
    .lp-trustbar-item::before { position: absolute; left: 0; top: 20px; margin: 0; }
    .lp-trustbar-item strong { display: block; font-size: 15px; margin-bottom: 4px; }
  }

  /* Language policy — self-contained so it renders identically on pages that
     each carry their own inline design system. */
  .ar-langpolicy-band { background: #F5F1E8; padding: 44px 24px; }
  .ar-langpolicy {
    max-width: 820px; margin: 0 auto; background: #FFFFFF;
    border: 1px solid #DAD5C8; border-left: 4px solid #B8323E;
    padding: 34px 36px; font-family: 'Montserrat', system-ui, sans-serif;
  }
  .ar-langpolicy h2 {
    font-size: clamp(20px, 2.2vw, 25px); line-height: 1.3; font-weight: 700;
    color: #111927; margin: 0 0 16px; letter-spacing: 0;
  }
  .ar-langpolicy p { font-size: 17px; line-height: 1.75; color: #526984; margin: 0 0 14px; }
  .ar-langpolicy p:last-child { margin-bottom: 0; }
  @media (max-width: 640px) { .ar-langpolicy { padding: 26px 22px; } .ar-langpolicy-band { padding: 32px 18px; } }

  /* Breadcrumb — the cluster pages sit under the Home & Property pillar and say
     so, both to a reader arriving from search and to the BreadcrumbList in the
     page's structured data. */
  .lp-crumb {
    max-width: 1080px; margin: 0 auto; padding: 22px 48px 0;
    font-size: 12.5px; color: var(--muted); letter-spacing: 0.02em;
  }
  .lp-crumb a { color: var(--muted); text-decoration: none; }
  .lp-crumb a:hover { color: var(--primary); }
  .lp-crumb span { margin: 0 8px; }

  /* Side-by-side comparison used where a page turns on a distinction — a second
     home against a permanent home, a long let against a holiday let. Two, three
     or four columns depending on how many the page passes; one on a phone. */
  .lp-compare { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 20px; margin-top: 20px; }
  .lp-compare > div {
    background: var(--cream); border: 1px solid var(--border);
    border-radius: 10px; padding: 22px 24px;
  }
  .lp-compare h3 { font-size: 15px; font-weight: 700; color: var(--ink); margin-bottom: 10px; }
  .lp-compare ul { list-style: none; }
  .lp-compare li {
    font-size: 14.5px; line-height: 1.65; color: var(--ink2);
    padding: 7px 0 7px 18px; position: relative;
  }
  .lp-compare li::before {
    content: ''; position: absolute; left: 0; top: 15px;
    width: 6px; height: 6px; border-radius: 50%; background: var(--primary);
  }

  /* Cluster navigation: the sibling pages, offered as a block rather than
     buried in prose, on every page in the cluster. */
  .lp-cluster { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 18px; }
  .lp-cluster a {
    display: block; background: var(--white); border: 1px solid var(--border);
    border-radius: 10px; padding: 16px 18px; text-decoration: none;
    transition: border-color .2s, transform .2s;
  }
  .lp-cluster a:hover { border-color: var(--primary); transform: translateY(-1px); }
  .lp-cluster strong { display: block; font-size: 14.5px; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
  .lp-cluster span { display: block; font-size: 13.5px; line-height: 1.6; color: var(--ink2); }

  @media (max-width: 860px) {
    .lp-crumb { padding: 18px 22px 0; }
    .lp-compare { grid-template-columns: 1fr; }
    .lp-cluster { grid-template-columns: 1fr; }
  }