/* Pendella — site styles */
:root {
  --navy-deep: #071a2e;
  --navy: #0b2540;
  --navy-2: #16395a;
  --line-dark: #1d3a57;
  --ink: #0f1b2a;
  --body: #3d4a5c;
  --muted: #5b6778;
  --line: #e3e8ee;
  --bg: #f6f8fa;
  --mist: #e8eef4;
  --white: #ffffff;
  --on-dark: #dbe4ee;
  --on-dark-muted: #b7c4d3;
  --cyan: #00bce8;
  --cyan-soft: #7fdcf3;
  --cyan-text: #00759a;
  --cyan-tint: #e3f7fd;
  --gold: #f2c14e;
  --peach: #ffb088;
  --live: #3ddc97;
  --display: "Urbanist", "Segoe UI", system-ui, sans-serif;
  --text: "DM Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --wrap: 1280px;
  --gutter: clamp(20px, 5vw, 80px);
  --section: clamp(72px, 9vw, 120px);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--text);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, video, svg { display: block; max-width: 100%; }
a { color: var(--cyan-text); text-decoration: none; }
a:hover { color: var(--navy); }
h1, h2, h3 { font-family: var(--display); font-weight: 800; margin: 0; letter-spacing: -0.02em; }
p { margin: 0; }
:focus-visible { outline: 3px solid var(--cyan); outline-offset: 3px; border-radius: 6px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 16px; top: -60px; z-index: 100; padding: 10px 16px; background: var(--cyan); color: var(--navy-deep); border-radius: 8px; font-weight: 600; }
.skip:focus { top: 16px; }

.wrap { width: 100%; max-width: calc(var(--wrap) + 2 * var(--gutter)); margin: 0 auto; padding: 0 var(--gutter); }
.section { padding: var(--section) 0; }
.dark { background: var(--navy-deep); color: var(--white); }
.navy { background: var(--navy); color: var(--white); }
.white { background: var(--white); }

.eyebrow { display: flex; align-items: center; flex-wrap: wrap; gap: 14px; font-size: 14px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--cyan-text); margin-bottom: 20px; }
.dark .eyebrow, .navy .eyebrow { color: var(--cyan); }
.live { display: inline-flex; align-items: center; gap: 8px; padding: 5px 12px; border-radius: 999px; font-size: 13px; letter-spacing: 0; text-transform: none; background: #e6f6ee; color: #146c43; }
.live::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: #1f9d60; }
.dark .live { background: var(--navy-2); color: var(--white); }
.dark .live::before { background: var(--live); }

.h1 { font-size: clamp(42px, 6vw, 76px); line-height: 1.03; }
.h1-sm { font-size: clamp(40px, 5vw, 64px); line-height: 1.05; }
.h2 { font-size: clamp(34px, 4.2vw, 56px); line-height: 1.07; color: var(--navy); }
.dark .h2, .navy .h2 { color: var(--white); }
.h3 { font-size: clamp(24px, 2vw, 28px); font-weight: 700; line-height: 1.2; letter-spacing: -0.01em; color: var(--navy); }
.lede { font-size: clamp(18px, 1.6vw, 21px); line-height: 1.55; color: var(--body); }
.dark .lede, .navy .lede { color: var(--on-dark-muted); }
.muted { color: var(--muted); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 14px 26px; border-radius: 12px; font-family: var(--text); font-size: 16px; font-weight: 600; line-height: 1.2; border: 1px solid transparent; cursor: pointer; transition: background-color .15s ease, color .15s ease, border-color .15s ease; }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-deep); color: var(--white); }
.btn-cyan { background: var(--cyan); color: var(--navy-deep); }
.btn-cyan:hover { background: var(--cyan-soft); color: var(--navy-deep); }
.btn-ghost { border-color: #cfd6de; color: var(--navy); background: transparent; }
.btn-ghost:hover { border-color: var(--navy); color: var(--navy); }
.dark .btn-ghost { border-color: #33475e; color: var(--white); }
.dark .btn-ghost:hover { border-color: var(--white); color: var(--white); }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: var(--navy-deep); border-bottom: 1px solid var(--line-dark); }
.site-header.light { background: rgba(255,255,255,.96); backdrop-filter: saturate(1.4) blur(8px); border-bottom-color: var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 76px; }
.brand { display: flex; align-items: center; gap: 14px; color: var(--white); }
.brand:hover { color: var(--white); }
.brand-name { font-family: var(--display); font-weight: 800; font-size: 28px; letter-spacing: -0.02em; line-height: 1; }
.brand-divider { width: 1px; height: 22px; background: #33475e; }
.brand-parent { font-size: 13px; color: var(--on-dark-muted); letter-spacing: 0.01em; }
.light .brand, .light .brand:hover { color: var(--navy); }
.light .brand-divider { background: #cfd6de; }
.light .brand-parent { color: var(--muted); }
.nav-links { display: flex; align-items: center; gap: 32px; font-size: 15px; }
.nav-links a:not(.btn) { color: var(--on-dark); padding: 6px 0; border-bottom: 2px solid transparent; }
.nav-links a:not(.btn):hover { color: var(--white); }
.nav-links a[aria-current="page"] { color: var(--white); font-weight: 600; border-bottom-color: var(--cyan); }
.light .nav-links a:not(.btn) { color: var(--body); }
.light .nav-links a:not(.btn):hover, .light .nav-links a[aria-current="page"] { color: var(--navy); }
.nav-links .btn { min-height: 44px; padding: 11px 20px; font-size: 15px; }
.menu-toggle { display: none; width: 44px; height: 44px; border: 1px solid #33475e; border-radius: 10px; background: transparent; color: var(--white); cursor: pointer; }
.light .menu-toggle { border-color: #cfd6de; color: var(--navy); }
.menu-toggle svg { margin: auto; }

@media (max-width: 900px) {
  .brand-parent, .brand-divider { display: none; }
  .menu-toggle { display: flex; align-items: center; justify-content: center; }
  .nav-links { display: none; position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; align-items: stretch; gap: 0; padding: 12px var(--gutter) 24px; background: inherit; border-bottom: 1px solid var(--line-dark); }
  .site-header { background: var(--navy-deep); }
  .site-header.light .nav-links { background: var(--white); border-bottom-color: var(--line); }
  .nav-links.open { display: flex; }
  .nav-links a:not(.btn) { padding: 14px 0; border-bottom: 1px solid var(--line-dark); }
  .light .nav-links a:not(.btn) { border-bottom-color: var(--line); }
  .nav-links a[aria-current="page"] { border-bottom-color: var(--line-dark); color: var(--cyan); }
  .light .nav-links a[aria-current="page"] { color: var(--cyan-text); border-bottom-color: var(--line); }
  .nav-links .btn { margin-top: 18px; }
}

/* Video */
.film { width: 100%; aspect-ratio: 16 / 9; border-radius: 24px; background: #000; border: 1px solid var(--line-dark); overflow: hidden; }
.film video { width: 100%; height: 100%; object-fit: contain; background: #000; }
.film-caption { margin-top: 14px; font-size: 15px; color: var(--muted); }
.dark .film-caption { color: var(--on-dark-muted); }

/* Home hero */
.home-hero { padding: clamp(56px, 7vw, 84px) 0 clamp(64px, 8vw, 96px); }
.home-hero-top { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr); gap: clamp(32px, 5vw, 56px); align-items: start; margin-bottom: clamp(40px, 5vw, 56px); }
.home-hero .intro { max-width: 560px; text-align: left; padding-top: 8px; }
.home-hero .intro .eyebrow { justify-content: flex-start; }
.home-hero .intro .lede { max-width: none; margin: 20px 0 0; }
.home-video { max-width: 520px; width: 100%; display: flex; flex-direction: column; gap: 16px; }
.gap-chart { margin: 0; border-radius: 14px; overflow: hidden; border: 1px solid var(--line); line-height: 0; }
.gap-chart img { display: block; width: 100%; height: auto; }
@media (max-width: 900px) { .home-hero-top { grid-template-columns: 1fr; } .home-video { max-width: none; margin: 0 auto; } }
.home-film { max-width: 1120px; margin: 0 auto; }
.chapters { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.chapter { padding: 20px 24px; border-radius: 16px; background: var(--navy); }
.chapter-label { font-size: 14px; font-weight: 600; color: var(--cyan); margin-bottom: 6px; }
.chapter p { font-size: 16px; line-height: 1.55; color: var(--on-dark); }
@media (max-width: 860px) { .chapters { grid-template-columns: 1fr; } }

/* Doors */
.doors-head { text-align: center; max-width: 900px; margin: 0 auto 48px; }
.doors-head .eyebrow { justify-content: center; }
.doors-head .lede { margin-top: 16px; color: var(--muted); }
.doors { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px; }
.doors-foot { text-align: center; margin: 28px 0 0; font-size: 15px; color: var(--muted); }
.doors-foot a { color: var(--cyan-text); font-weight: 500; }
.door { display: flex; flex-direction: column; gap: 28px; padding: clamp(32px, 4vw, 48px); border-radius: 28px; background: var(--white); border: 1px solid var(--line); color: var(--ink); transition: border-color .15s ease, transform .15s ease; }
.door:hover { color: var(--ink); border-color: var(--cyan); }
.door.door-dark { background: var(--navy); border-color: var(--navy); color: var(--white); }
.door.door-dark:hover { color: var(--white); border-color: var(--cyan); }
.door-icon { width: 64px; height: 64px; border-radius: 18px; display: flex; align-items: center; justify-content: center; background: var(--cyan-tint); }
.door-dark .door-icon { background: var(--navy-2); }
.door-who { font-size: 15px; font-weight: 600; color: var(--cyan-text); margin-bottom: 12px; }
.door-dark .door-who { color: var(--cyan-soft); }
.door-title { font-family: var(--display); font-weight: 800; font-size: clamp(30px, 3vw, 40px); line-height: 1.1; letter-spacing: -0.02em; color: var(--navy); margin-bottom: 12px; }
.door-dark .door-title { color: var(--white); }
.door-body { font-size: 18px; line-height: 1.55; color: var(--body); }
.door-dark .door-body { color: var(--on-dark-muted); }
.door-stats { display: flex; gap: 32px; padding-top: 24px; border-top: 1px solid var(--line); margin-top: auto; }
.door-dark .door-stats { border-top-color: var(--line-dark); }
.door-stat strong { display: block; font-family: var(--display); font-size: 28px; font-weight: 800; color: var(--navy); line-height: 1.2; }
.door-dark .door-stat strong { color: var(--white); }
.door-stat span { font-size: 14px; color: var(--muted); }
.door-dark .door-stat span { color: var(--on-dark-muted); }
.door-cta { align-self: flex-start; }
@media (max-width: 860px) { .doors { grid-template-columns: 1fr; } }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; border-top: 1px solid var(--line); padding-top: 48px; }
.stat { text-align: center; }
.stat strong { display: block; font-family: var(--display); font-size: clamp(34px, 3.4vw, 44px); font-weight: 800; color: var(--navy); line-height: 1.15; }
.stat span { font-size: 15px; color: var(--muted); }
@media (max-width: 700px) { .stats { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 36px; } }

/* Split hero (path pages) */
.split { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: clamp(40px, 5vw, 64px); align-items: center; }
.split .lede { margin: 28px 0 32px; }
.path-hero { padding: clamp(56px, 7vw, 96px) 0 clamp(64px, 8vw, 112px); }
@media (max-width: 980px) { .split { grid-template-columns: 1fr; } }

/* Cards */
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; }
@media (max-width: 980px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; } }
.card { padding: 36px; border-radius: 20px; background: var(--white); border: 1px solid var(--line); }
.card .h3 { margin-bottom: 10px; }
.card p { color: var(--body); }
.stat-card .big { display: block; font-family: var(--display); font-size: 44px; font-weight: 800; color: var(--navy); line-height: 1.15; margin-bottom: 10px; }
.tile { padding: 24px; border-radius: 16px; background: var(--mist); }
.tile strong { display: block; font-size: 18px; color: var(--navy); margin-bottom: 4px; }
.tile span { font-size: 15px; color: var(--body); }
.source { margin-top: 20px; font-size: 13px; color: var(--muted); }
.section-head { max-width: 900px; margin-bottom: 48px; }
.ruled .col { padding-top: 24px; border-top: 3px solid var(--navy); }
.ruled .h3 { margin-bottom: 12px; }
.ruled p { color: var(--body); }

/* Penny (member) */
.penny { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(40px, 6vw, 80px); align-items: center; }
@media (max-width: 1040px) { .penny { grid-template-columns: 1fr; } }
.points { list-style: none; margin: 32px 0 0; padding: 0; display: grid; gap: 20px; }
.points li { display: flex; gap: 16px; font-size: 17px; line-height: 1.5; color: var(--on-dark); }
.points li strong { color: var(--white); }
.points .n { flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; background: var(--navy-2); color: var(--cyan); font-size: 14px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.chat { display: flex; flex-direction: column; gap: 16px; padding: clamp(20px, 3vw, 32px); border-radius: 28px; background: var(--navy); border: 1px solid var(--line-dark); }
.chat-bar { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; padding-bottom: 16px; border-bottom: 1px solid var(--line-dark); font-size: 14px; color: var(--on-dark-muted); }
.chat-bar strong { color: var(--cyan-soft); font-weight: 500; }
.bubble { max-width: 88%; padding: 16px 20px; font-size: 16px; line-height: 1.5; }
.bubble.me { align-self: flex-end; background: var(--navy-2); color: var(--white); border-radius: 18px 18px 4px 18px; }
.bubble.penny-says { align-self: flex-start; background: var(--white); color: var(--ink); border-radius: 18px 18px 18px 4px; }
.bubble .who { display: block; font-size: 13px; font-weight: 700; color: var(--cyan-text); margin-bottom: 4px; }
.rec { display: grid; gap: 16px; padding: 24px; border-radius: 20px; background: var(--white); color: var(--ink); }
.rec-label { font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--cyan-text); }
.rec-top { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: 8px; }
.rec-amount { font-family: var(--display); font-size: 40px; font-weight: 800; color: var(--navy); line-height: 1.1; }
.rec-top span { font-size: 15px; color: var(--muted); }
.rec-facts { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; font-size: 14px; }
.rec-facts span { display: block; color: var(--muted); }
.rec-facts strong { font-size: 17px; }
.rec .btn { width: 100%; }
.penny-live { padding-bottom: clamp(16px, 2vw, 24px); }
.penny-frame { border-radius: 16px; overflow: hidden; background: var(--white); height: clamp(480px, 62vh, 680px); }
.penny-frame iframe { display: block; width: 100%; height: 100%; border: 0; }
.penny-live-note { margin: 0; font-size: 13px; color: var(--on-dark-muted); }
.penny-live-note a { color: var(--cyan-soft); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; counter-reset: step; }
.step { counter-increment: step; }
.step::before { content: counter(step, decimal-leading-zero); display: block; font-family: var(--display); font-size: 40px; font-weight: 800; color: var(--cyan-text); line-height: 1.2; margin-bottom: 10px; }
.step strong { display: block; font-size: 19px; color: var(--navy); margin-bottom: 6px; }
.step p { font-size: 16px; color: var(--body); }
@media (max-width: 900px) { .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }

.flow-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 32px; }
.flow-step { margin: 0; }
.flow-num { display: flex; align-items: center; justify-content: center; width: 32px; height: 32px; border-radius: 50%; background: var(--navy); color: var(--white); font-size: 14px; font-weight: 700; margin-bottom: 16px; }
.flow-shot { border-radius: 12px; overflow: hidden; border: 1px solid var(--line); box-shadow: 0 1px 2px rgba(15, 35, 60, .06); line-height: 0; }
.flow-shot img { display: block; width: 100%; height: auto; }
.flow-step figcaption strong { display: block; font-size: 18px; color: var(--navy); margin: 20px 0 6px; }
.flow-step figcaption p { font-size: 15px; color: var(--body); }
@media (max-width: 900px) { .flow-3 { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; } }

/* CTA band */
.cta { text-align: center; }
.cta .h2 { font-size: clamp(38px, 4.6vw, 60px); }
.cta .lede { max-width: 640px; margin: 20px auto 32px; }
.cta .alt { display: inline-block; margin-top: 24px; font-size: 15px; color: var(--cyan-soft); }
.cta .alt:hover { color: var(--white); }

/* Agencies: Penny copilot */
.copilot-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 48px; margin-bottom: 48px; }
.copilot-head .lede { max-width: 440px; }
@media (max-width: 980px) { .copilot-head { flex-direction: column; align-items: flex-start; gap: 20px; } }
.console { display: grid; grid-template-columns: minmax(0, 1fr) 400px; gap: 24px; padding: clamp(16px, 2vw, 28px); border-radius: 28px; background: var(--navy); margin-bottom: 56px; }
@media (max-width: 1100px) { .console { grid-template-columns: minmax(0, 1fr); } }
.quote { position: relative; padding: 24px; border-radius: 20px; background: var(--white); overflow-x: auto; }
.quote-top { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 8px; }
.quote-top strong { font-size: 17px; color: var(--navy); }
.pill { padding: 4px 12px; border-radius: 999px; background: var(--cyan-tint); color: var(--cyan-text); font-size: 13px; font-weight: 600; white-space: nowrap; }
.quote table { width: 100%; min-width: 560px; border-collapse: collapse; font-size: 15px; }
.quote th { text-align: left; font-size: 13px; font-weight: 600; color: var(--muted); padding: 10px 12px; border-bottom: 1px solid var(--line); }
.quote td { padding: 14px 12px; }
.quote tr.best td { background: var(--cyan-tint); }
.quote tr.best td:first-child { border-radius: 12px 0 0 12px; }
.quote tr.best td:last-child { border-radius: 0 12px 12px 0; }
.best-tag { font-size: 12px; font-weight: 600; color: var(--cyan-text); }
.quote .apply { min-height: 36px; padding: 8px 16px; font-size: 14px; border-radius: 8px; }
.quote-foot { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; padding-top: 14px; margin-top: 8px; border-top: 1px solid var(--line); font-size: 14px; color: var(--muted); }
.penny-panel { display: flex; flex-direction: column; gap: 14px; padding: 24px; border-radius: 20px; background: var(--navy-2); color: var(--white); }
.penny-name { display: flex; align-items: center; gap: 10px; font-weight: 700; }
.penny-name::before { content: ""; width: 10px; height: 10px; border-radius: 50%; background: var(--cyan); }
.tip { padding: 14px 16px; border-radius: 14px; background: var(--navy); font-size: 15px; line-height: 1.5; color: var(--on-dark); }
.tip strong { color: var(--white); }

/* Age bands */
.bands-wrap { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: clamp(40px, 5vw, 72px); align-items: center; }
@media (max-width: 1040px) { .bands-wrap { grid-template-columns: 1fr; } }
.bands { padding: clamp(20px, 3vw, 36px); border-radius: 24px; background: var(--navy); }
.band-row { display: grid; grid-template-columns: 180px minmax(0, 1fr); gap: 24px; align-items: center; margin-bottom: 18px; }
.band-row strong { display: block; font-size: 16px; }
.band-row span { font-size: 13px; color: var(--on-dark-muted); }
.track { position: relative; height: 36px; border-radius: 10px; background: var(--navy-2); }
.fill { position: absolute; top: 0; bottom: 0; border-radius: 10px; }
/* ages 18–85 → 67-year track */
.fill.term { left: 0; right: 0; background: var(--cyan); }
.fill.whole { left: 0; right: 0; background: #4dd4f3; }
.fill.fe { left: 32.84%; right: 0; background: var(--gold); }
.fill.ga { left: 40.3%; right: 7.46%; background: var(--peach); }
.axis { display: grid; grid-template-columns: 180px minmax(0, 1fr); gap: 24px; margin-bottom: 18px; font-size: 13px; color: var(--on-dark-muted); }
.axis-ticks { position: relative; height: 18px; }
.axis-ticks span { position: absolute; transform: translateX(-50%); }
.axis-ticks span:first-child { transform: none; }
.axis-ticks span:last-child { transform: translateX(-100%); }
.bands-note { padding-top: 16px; border-top: 1px solid var(--line-dark); font-size: 15px; color: var(--on-dark); }
@media (max-width: 600px) {
  .band-row, .axis { grid-template-columns: 1fr; gap: 8px; }
  .axis > span:first-child { display: none; }
}

/* Seasonality */
.season { max-width: 1100px; margin: 0 auto; }
.season .grid-3 .card { text-align: center; }
.season .num { display: block; font-family: var(--display); font-size: 64px; font-weight: 800; color: #94979c; line-height: 1.1; }
.season .unit { display: block; font-size: 14px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin: 4px 0; }
.season .card.navy { background: var(--navy); border-color: var(--navy); }
.season .card.navy .num { color: var(--cyan); }
.season .card.navy .unit { color: var(--on-dark-muted); }
.season .card.navy p { color: var(--white); }
.season-line { text-align: center; margin-top: 40px; font-family: var(--display); font-size: clamp(22px, 2.4vw, 28px); font-weight: 700; color: var(--navy); }
.season .grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 640px) { .season .grid-3 { grid-template-columns: 1fr; } }

/* Checklist */
.checks { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px 40px; }
.checks li { display: flex; gap: 12px; font-size: 17px; color: var(--body); }
.checks svg { flex-shrink: 0; margin-top: 3px; }
@media (max-width: 640px) { .checks { grid-template-columns: 1fr; } }
.feature-split { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(32px, 6vw, 80px); }
@media (max-width: 900px) { .feature-split { grid-template-columns: 1fr; } }

/* Footer */
.site-footer { background: var(--navy-deep); color: var(--on-dark-muted); font-size: 15px; padding: 64px 0 40px; }
.foot-top { display: flex; justify-content: space-between; gap: 48px; flex-wrap: wrap; }
.foot-brand { max-width: 420px; }
.foot-brand .brand-name { color: var(--white); font-size: 26px; display: block; margin-bottom: 10px; }
.foot-cols { display: flex; gap: clamp(32px, 6vw, 72px); flex-wrap: wrap; }
.foot-cols div { display: flex; flex-direction: column; gap: 10px; }
.foot-cols .head { color: var(--white); font-weight: 600; }
.foot-cols a { color: var(--on-dark-muted); }
.foot-cols a:hover { color: var(--white); }
.foot-bottom { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-top: 48px; padding-top: 24px; border-top: 1px solid var(--line-dark); font-size: 14px; }

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