:root{
  --ink:#2c303b;
  --ink-deep:#191d26;
  --green:#0d7d59;
  --green-soft:#12996d;
  --teal:#58a4b1;
  --sage:#bac1b9;
  --paper:#f6f8f7;
  --card:#ffffff;
  --line:#e2e7e3;
  --muted:#5b6570;
  --wa:#25d366;
  --radius:14px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
  .reveal{opacity:1!important;transform:none!important}
  .hero-bars rect{transform:none!important;opacity:1!important}
}
body{font-family:'Karla',sans-serif;background:var(--paper);color:var(--ink);line-height:1.6;font-size:17px}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:'Poppins',sans-serif;font-weight:600;line-height:1.2}
.mono{font-family:'IBM Plex Mono',monospace;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* Header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}
.brand{display:flex;align-items:center;text-decoration:none}
.brand img{height:36px;width:auto;display:block}
nav.links{display:flex;gap:22px;align-items:center}
nav.links a{color:var(--ink);text-decoration:none;font-size:.93rem;font-weight:600;white-space:nowrap}
nav.links a:hover,nav.links a.active{color:var(--green)}
.cta-btn{background:var(--green);color:#fff!important;padding:9px 18px;border-radius:999px;font-weight:600;transition:background .2s}
.cta-btn:hover{background:var(--green-soft)}
.menu-toggle{display:none;background:none;border:none;font-size:1.6rem;color:var(--ink);cursor:pointer}

/* Hero (home) */
.hero{padding:88px 0 72px;position:relative;overflow:hidden;background:#fff}
.hero .wrap{position:relative;z-index:2}
.hero .eyebrow{color:var(--green);margin-bottom:18px}
.hero h1{font-size:clamp(2.1rem,5.2vw,3.4rem);color:var(--ink);max-width:16ch;font-weight:700}
.hero h1 em{font-style:normal;color:var(--green);white-space:nowrap}
.hero p.lead{margin:24px 0 36px;max-width:52ch;font-size:1.1rem;color:var(--muted)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}

/* Page hero (inner pages) */
.page-hero{padding:64px 0 48px;background:#fff;border-bottom:1px solid var(--line)}
.page-hero .eyebrow{color:var(--green);margin-bottom:12px}
.page-hero h1{font-size:clamp(1.9rem,4.4vw,2.7rem);color:var(--ink);font-weight:700}
.page-hero p{margin-top:14px;max-width:60ch;color:var(--muted);font-size:1.05rem}

.btn{display:inline-block;text-decoration:none;font-weight:600;cursor:pointer;padding:13px 26px;border-radius:999px;font-size:1rem;transition:all .2s;border:none;font-family:'Karla',sans-serif}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:var(--green-soft);transform:translateY(-1px)}
.btn-ghost{border:1.5px solid var(--ink);color:var(--ink);background:none}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-accent{background:var(--green);color:#fff}
.btn-accent:hover{background:var(--green-soft);transform:translateY(-1px)}
.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--teal);outline-offset:2px}

/* Signature rising bars */
.hero-bars{position:absolute;right:-20px;bottom:0;width:min(520px,58vw);height:auto;z-index:1;pointer-events:none}
.hero-bars rect{transform-box:fill-box;transform-origin:bottom center;transform:scaleY(0);opacity:0;animation:grow .9s cubic-bezier(.2,.7,.3,1) forwards}
.hero-bars rect:nth-of-type(1){animation-delay:.10s}
.hero-bars rect:nth-of-type(2){animation-delay:.18s}
.hero-bars rect:nth-of-type(3){animation-delay:.26s}
.hero-bars rect:nth-of-type(4){animation-delay:.34s}
.hero-bars rect:nth-of-type(5){animation-delay:.42s}
.hero-bars rect:nth-of-type(6){animation-delay:.50s}
.hero-bars rect:nth-of-type(7){animation-delay:.58s}
.hero-bars rect:nth-of-type(8){animation-delay:.66s}
.hero-bars rect:nth-of-type(9){animation-delay:.74s}
.hero-bars rect:nth-of-type(10){animation-delay:.82s}
.hero-bars rect:nth-of-type(11){animation-delay:.90s}
.hero-bars rect:nth-of-type(12){animation-delay:.98s}
@keyframes grow{to{transform:scaleY(1);opacity:1}}

.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--card)}
.trust-strip .wrap{display:flex;gap:12px 40px;flex-wrap:wrap;justify-content:center;padding:18px 24px;color:var(--muted);font-size:.9rem}
.trust-strip span::before{content:"▮";color:var(--green);font-size:.7rem;margin-right:10px;vertical-align:middle}
.trust-strip span.plain::before{content:none}
.trust-strip span.plain{color:var(--ink);font-weight:600}

/* Sections */
section{padding:80px 0}
.sec-head{margin-bottom:48px;max-width:60ch}
.sec-head .eyebrow{color:var(--green);margin-bottom:12px}
.sec-head h2{font-size:clamp(1.6rem,3.4vw,2.2rem);color:var(--ink)}
.sec-head p{margin-top:14px;color:var(--muted)}

/* Cards */
.seg-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.seg-grid.two{grid-template-columns:repeat(2,1fr)}
.seg-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;position:relative;overflow:hidden;transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}
a.seg-card{text-decoration:none;color:inherit}
.seg-card:hover{transform:translateY(-4px);box-shadow:0 12px 30px rgba(25,29,38,.08)}
.seg-card::before{content:"";position:absolute;top:0;left:0;width:44px;height:3px;background:linear-gradient(90deg,var(--green),var(--teal))}
.seg-card h3{font-size:1.15rem;color:var(--ink);margin-bottom:10px}
.seg-card p{font-size:.95rem;color:var(--muted);flex-grow:1}
.seg-card .for{margin-top:16px;font-family:'IBM Plex Mono',monospace;font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;color:var(--green)}
.seg-card .link{margin-top:14px;color:var(--green);font-weight:700;font-size:.92rem}

/* Mini cover chips (SME insurance) */
.mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:8px}
.mini{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px 18px}
.mini h4{font-family:'Poppins',sans-serif;font-weight:600;font-size:.95rem;color:var(--ink);margin-bottom:4px}
.mini p{font-size:.84rem;color:var(--muted);line-height:1.5}

/* Dark band */
.approach{background:var(--ink-deep);color:#e8ecef}
.approach .sec-head h2{color:#fff}
.approach .sec-head .eyebrow{color:var(--teal)}
.approach .sec-head p{color:#a9b2bd}
.app-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px}
.app-item h3{color:var(--teal);font-size:1.1rem;margin-bottom:10px}
.app-item p{color:#b7bfc9;font-size:.97rem}

/* CTA band */
.cta-band{background:var(--green);color:#fff;padding:56px 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{font-size:clamp(1.4rem,3vw,1.9rem);max-width:24ch}
.cta-band .btn{background:#fff;color:var(--green)}
.cta-band .btn:hover{background:var(--ink-deep);color:#fff}

/* Calculators */
.calc{background:var(--card)}
.calc-tabs{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:40px}
.calc-tab{background:var(--paper);border:1.5px solid var(--line);border-radius:999px;padding:10px 22px;font-family:'Karla',sans-serif;font-weight:600;font-size:.92rem;color:var(--muted);cursor:pointer;transition:all .2s}
.calc-tab:hover{border-color:var(--green)}
.calc-tab.active{background:var(--green);border-color:var(--green);color:#fff}
.calc-panel{display:none}
.calc-panel.active{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;animation:panelIn .35s ease}
@keyframes panelIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.calc-controls .field{margin-bottom:26px}
.calc-controls label{display:flex;justify-content:space-between;font-weight:600;margin-bottom:10px;font-size:.95rem;gap:12px}
.calc-controls label output{color:var(--green);font-weight:700;white-space:nowrap}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:linear-gradient(90deg,var(--green) var(--fill,50%),var(--line) var(--fill,50%));outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--ink);border:3px solid var(--teal);cursor:pointer}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--ink);border:3px solid var(--teal);cursor:pointer}
.calc-result{background:var(--ink-deep);border-radius:var(--radius);padding:34px 30px;color:#e8ecef;text-align:center}
.calc-result .label{font-family:'IBM Plex Mono',monospace;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal)}
.calc-result .big{font-family:'Poppins',sans-serif;font-weight:700;font-size:clamp(1.8rem,4.4vw,2.4rem);color:#fff;margin:8px 0 18px}
.calc-result .row{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.12);padding:12px 0;font-size:.93rem;gap:12px;text-align:left}
.calc-result .row span:last-child{font-weight:700;color:var(--teal);text-align:right;white-space:nowrap}
.calc-note{font-size:.78rem;color:var(--muted);margin-top:16px;max-width:52ch}

/* Onboarding cards */
.onboard{background:var(--paper)}
.onboard-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.ob-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;display:flex;flex-direction:column;gap:14px;transition:transform .2s,box-shadow .2s}
.ob-card:hover{transform:translateY(-4px);box-shadow:0 12px 30px rgba(25,29,38,.08)}
.ob-card .step-icon{width:52px;height:52px;border-radius:50%;background:var(--paper);border:1.5px solid var(--green);display:flex;align-items:center;justify-content:center;font-size:1.4rem}
.ob-card h3{font-size:1.1rem;color:var(--ink)}
.ob-card p{font-size:.93rem;color:var(--muted);flex-grow:1}
.ob-card .btn{text-align:center}

/* About */
.about-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:start}
.about-grid p{margin-bottom:16px;color:var(--muted)}
.about-grid p strong{color:var(--ink)}
.cred-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.cred-card h3{color:var(--ink);font-size:1.1rem;margin-bottom:16px}
.cred-card ul{list-style:none}
.cred-card li{padding:11px 0;border-bottom:1px solid var(--line);font-size:.93rem;display:flex;justify-content:space-between;gap:12px}
.cred-card li:last-child{border-bottom:none}
.cred-card li span:first-child{color:var(--muted)}
.cred-card li span:last-child{font-weight:600;text-align:right}

/* FAQ */
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);margin-bottom:14px;overflow:hidden}
.faq summary{padding:20px 24px;cursor:pointer;font-weight:600;font-size:1rem;display:flex;justify-content:space-between;align-items:center;gap:16px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:'Poppins',sans-serif;font-size:1.4rem;color:var(--green);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 24px 20px;color:var(--muted);font-size:.95rem}

/* Contact */
.contact{background:var(--card);border-top:1px solid var(--line)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.contact-methods{display:flex;flex-direction:column;gap:14px}
.cm{display:flex;align-items:center;gap:16px;text-decoration:none;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:16px 22px;color:var(--ink);transition:border-color .2s}
.cm:hover{border-color:var(--green)}
.cm .icon{font-size:1.4rem}
.cm .label{font-family:'IBM Plex Mono',monospace;font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--green)}
.cm .value{font-weight:600;font-size:.98rem}

/* Floating WhatsApp */
.wa-float{position:fixed;bottom:24px;right:24px;z-index:100;width:58px;height:58px;border-radius:50%;background:var(--wa);display:flex;align-items:center;justify-content:center;box-shadow:0 8px 24px rgba(37,211,102,.4);transition:transform .2s;text-decoration:none}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:32px;height:32px;fill:#fff}
.wa-float::before{content:"";position:absolute;inset:-6px;border-radius:50%;border:2px solid var(--wa);opacity:.5;animation:pulse 2s ease-out infinite}
@keyframes pulse{0%{transform:scale(.9);opacity:.5}100%{transform:scale(1.25);opacity:0}}

/* Footer */
footer{background:var(--ink-deep);color:#98a2ad;padding:48px 0;font-size:.83rem}
footer .wrap{display:flex;flex-direction:column;gap:20px}
footer .foot-brand{font-family:'Poppins',sans-serif;font-weight:600;color:#fff;font-size:1.15rem}
footer .arn{font-family:'IBM Plex Mono',monospace;color:var(--teal);font-size:.72rem;letter-spacing:.1em}
footer .addr{color:#aeb7c1}
footer nav{display:flex;gap:20px;flex-wrap:wrap}
footer nav a{color:#c3ccd5;text-decoration:none;font-weight:600}
footer nav a:hover{color:var(--green-soft)}
footer p.disclaimer{max-width:80ch;line-height:1.7}
footer .foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}

/* Responsive */
@media (max-width:860px){
  .seg-grid,.seg-grid.two,.onboard-grid{grid-template-columns:repeat(2,1fr)}
  .mini-grid{grid-template-columns:repeat(2,1fr)}
  .app-grid{grid-template-columns:1fr;gap:28px}
  .about-grid,.contact-grid{grid-template-columns:1fr;gap:36px}
  .calc-panel.active{grid-template-columns:1fr;gap:36px}
  .hero-bars{opacity:.3}
}
@media (max-width:640px){
  nav.links{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;gap:0;padding:8px 0;align-items:stretch}
  nav.links.open{display:flex}
  nav.links a{padding:14px 24px;width:100%}
  .cta-btn{border-radius:0;background:none;color:var(--green)!important;font-weight:700}
  .menu-toggle{display:block}
  .brand img{height:30px}
  .seg-grid,.seg-grid.two,.onboard-grid,.mini-grid{grid-template-columns:1fr}
  section{padding:60px 0}
  .hero{padding:64px 0 56px}
  .wa-float{bottom:18px;right:18px;width:54px;height:54px}
}

/* Regulatory links */
footer .reg-links{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:.78rem;align-items:center}
footer .reg-links .reg-label{color:#7d8894;font-family:'IBM Plex Mono',monospace;font-size:.66rem;letter-spacing:.1em;text-transform:uppercase}
footer .reg-links a{color:#8fa0ad;text-decoration:none}
footer .reg-links a:hover{color:var(--green-soft)}

/* ===== Charts & educational blocks ===== */
.subsec{margin-top:56px}
.subsec h3{font-size:1.25rem;color:var(--ink);margin-bottom:8px}
.subsec .sub{color:var(--muted);font-size:.95rem;max-width:60ch;margin-bottom:24px}

/* Horizontal bar chart */
.hbar-chart{display:flex;flex-direction:column;gap:16px;max-width:660px;margin-top:8px}
.hbar-row{display:grid;grid-template-columns:150px 1fr 90px;align-items:center;gap:12px;font-size:.9rem}
.hbar-row .lbl{color:var(--muted);font-weight:600}
.hbar-track{background:var(--line);border-radius:6px;height:24px;overflow:hidden}
.hbar-fill{height:100%;border-radius:6px}
.hbar-row .val{font-weight:700;color:var(--ink);text-align:right;font-family:'Poppins',sans-serif}
.chart-caption{font-size:.78rem;color:var(--muted);margin-top:14px;max-width:62ch}

/* Vertical bar chart */
.vbar-chart{display:flex;align-items:flex-end;gap:24px;height:230px;max-width:440px;margin-top:12px}
.vbar{flex:1;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;gap:8px;height:100%}
.vbar .bar{width:100%;border-radius:8px 8px 0 0;background:linear-gradient(180deg,var(--teal),var(--green));min-height:12px}
.vbar .amt{font-weight:700;font-family:'Poppins',sans-serif;color:var(--ink);font-size:.95rem;white-space:nowrap}
.vbar .lbl{font-size:.78rem;color:var(--muted);text-align:center}

/* Stat callout */
.stat-callout{background:var(--ink-deep);color:#e8ecef;border-radius:var(--radius);padding:36px 32px;display:grid;grid-template-columns:auto 1fr;gap:32px;align-items:center;margin-top:8px}
.stat-callout .huge{font-family:'Poppins',sans-serif;font-weight:700;font-size:clamp(2.6rem,7vw,4rem);color:var(--teal);line-height:1;white-space:nowrap}
.stat-callout .huge small{display:block;font-size:.72rem;font-family:'IBM Plex Mono',monospace;letter-spacing:.12em;text-transform:uppercase;color:#8fa0ad;margin-top:10px;white-space:normal}
.stat-callout p{color:#c3ccd5;font-size:.97rem;max-width:56ch}
.stat-callout p strong{color:#fff}

/* Risk-return chart */
.risk-chart{width:100%;max-width:640px;height:auto;margin-top:8px}

/* Process flow */
.flow{max-width:780px}
.flow-step{display:flex;gap:18px;padding:14px 0 14px 30px;border-left:2px solid var(--line);margin-left:19px;position:relative}
.flow-step:first-child{padding-top:0}
.flow-step .num{position:absolute;left:-20px;top:14px;width:38px;height:38px;border-radius:50%;background:var(--green);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-family:'Poppins',sans-serif;font-size:.95rem;box-shadow:0 0 0 4px var(--paper)}
.flow-step:first-child .num{top:0}
.flow-step h4{font-family:'Poppins',sans-serif;font-weight:600;font-size:1rem;color:var(--ink);margin-bottom:2px}
.flow-step p{font-size:.9rem;color:var(--muted)}
.flow-label{margin:10px 0 14px 46px;display:inline-block;background:var(--ink-deep);color:var(--teal);font-family:'IBM Plex Mono',monospace;font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;padding:8px 16px;border-radius:999px}
.flow-branch{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:0 0 14px 46px}
.flow-branch .mini h4{display:flex;align-items:center;gap:8px}
.flow-branch .mini h4 .ok{color:var(--green)}
.flow-branch .mini h4 .no{color:#b3462f}

@media (max-width:640px){
  .hbar-row{grid-template-columns:96px 1fr 74px;font-size:.8rem}
  .stat-callout{grid-template-columns:1fr;gap:16px;padding:28px 22px}
  .flow-branch{grid-template-columns:1fr;margin-left:32px}
  .flow-label{margin-left:32px}
  .flow-step{padding-left:24px;margin-left:16px}
  .vbar-chart{gap:14px}
}

/* ===== OneAssure quote form ===== */
.quote-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:32px}
.quote-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-bottom:20px}
.qfield{display:flex;flex-direction:column;gap:6px}
.qfield label{font-size:.85rem;font-weight:600;color:var(--ink)}
.qfield input,.qfield select{padding:11px 14px;border:1px solid var(--line);border-radius:10px;font-family:'Karla',sans-serif;font-size:.95rem;background:#fff;color:var(--ink)}
.qfield input:focus,.qfield select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(13,125,89,.12)}
.q-status{margin-top:14px;font-size:.9rem;font-weight:600;min-height:1.2em}
.q-status.error{color:#b3462f}
.q-status.loading{color:var(--muted)}
.q-disclaimer{margin-top:14px;font-size:.76rem;color:var(--muted);line-height:1.6}
@media (max-width:640px){.quote-grid{grid-template-columns:1fr}.quote-card{padding:22px}}