/* Betters Insurance — site styles
   Tokens follow Brand Guidelines v1.0 (Aug 2026), section 3.7. */
:root {
  /* Core */
  --ba-blue:        #002F87;
  --ba-blue-900:    #001B4D;
  --ba-blue-500:    #3B6BC4;
  --ba-ink:         #24272A;
  /* Neutrals */
  --ba-slate:       #5B6570;
  --ba-mist:        #D9DDE1;
  --ba-blue-50:     #EDF2FA;
  --ba-paper:       #F7F5F0;
  --ba-white:       #FFFFFF;
  /* Functional accents */
  --ba-orange:      #FF6B35; /* FILL ONLY — text on it is ink */
  --ba-orange-deep: #C2410C;
  --ba-alert-deep:  #B3322D;
  /* Type */
  --ba-font-display: "Zilla Slab", Georgia, serif;
  --ba-font-body:    "Roboto", Arial, Helvetica, sans-serif;
  --ba-font-mono:    "Roboto Mono", Consolas, monospace;
  /* Spacing */
  --ba-s1: 4px;  --ba-s2: 8px;  --ba-s3: 12px; --ba-s4: 16px;
  --ba-s5: 24px; --ba-s6: 32px; --ba-s7: 48px; --ba-s8: 64px; --ba-s9: 96px;
  --ba-radius: 2px;
  --ba-max: 1200px;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--ba-font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ba-ink);
  background: var(--ba-white);
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--ba-blue-500); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--ba-blue); }
:focus-visible { outline: 2px solid var(--ba-blue); outline-offset: 2px; }
p { margin: 0 0 var(--ba-s4); }
ul, ol { margin: 0 0 var(--ba-s4); padding-left: var(--ba-s5); }
li { margin-bottom: var(--ba-s2); }
strong { font-weight: 700; }
hr { border: 0; border-top: 1px solid var(--ba-mist); margin: var(--ba-s6) 0; }

.sr-only, .visually-hidden {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: var(--ba-s4); top: -100px; z-index: 100;
  background: var(--ba-blue); color: var(--ba-white); padding: var(--ba-s3) var(--ba-s5);
}
.skip-link:focus { top: var(--ba-s2); color: var(--ba-white); }

.wrap { max-width: calc(var(--ba-max) + 2 * var(--ba-s5)); margin: 0 auto; padding: 0 var(--ba-s5); }

/* ---------- Type scale (guide 3.3) ---------- */
h1, h2, .display { font-family: var(--ba-font-display); color: var(--ba-blue); margin: 0; }
.display { font-size: 48px; line-height: 1.05; font-weight: 700; letter-spacing: -0.02em; }
h1 { font-size: 36px; line-height: 1.15; font-weight: 700; letter-spacing: -0.01em; }
h2 { font-size: 26px; line-height: 1.25; font-weight: 600; margin-bottom: var(--ba-s4); }
h3 { font-family: var(--ba-font-body); font-size: 20px; line-height: 1.35; font-weight: 700; color: var(--ba-ink); margin: 0 0 var(--ba-s2); }
.lead { font-size: 18px; line-height: 1.6; }
.small { font-size: 14px; line-height: 1.5; }
.eyebrow {
  display: block; font-family: var(--ba-font-body); font-size: 12px; line-height: 1.4;
  font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--ba-slate); margin: 0 0 var(--ba-s4);
}
.muted { color: var(--ba-slate); }
.measure { max-width: 680px; }
.mono { font-family: var(--ba-font-mono); font-size: 0.94em; }

/* ---------- Buttons (guide 3.7) ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 44px; padding: var(--ba-s3) var(--ba-s5);
  font-family: var(--ba-font-body); font-size: 16px; font-weight: 500; line-height: 1.25;
  text-decoration: none; border-radius: var(--ba-radius); border: 1px solid transparent;
  cursor: pointer; white-space: nowrap;
}
.btn-primary { background: var(--ba-blue); color: var(--ba-white); }
.btn-primary:hover { background: var(--ba-blue-900); color: var(--ba-white); }
.btn-accent { background: var(--ba-orange); color: var(--ba-ink); }
.btn-accent:hover { background: #F25A22; color: var(--ba-ink); }
.btn-secondary { background: transparent; color: var(--ba-blue); border-color: var(--ba-blue); }
.btn-secondary:hover { background: var(--ba-blue-50); color: var(--ba-blue); }
.btn-reverse { background: transparent; color: var(--ba-white); border-color: var(--ba-white); }
.btn-reverse:hover { background: var(--ba-white); color: var(--ba-blue-900); }
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: var(--ba-s4); margin-top: var(--ba-s6); }
.text-link { font-weight: 500; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--ba-white); border-bottom: 1px solid var(--ba-mist);
}
.site-header .bar {
  display: grid; grid-template-columns: auto 1fr auto; align-items: center;
  gap: var(--ba-s5); min-height: 80px;
}
.logo { display: block; width: 180px; }
.logo img { width: 180px; }
.main-nav > ul { list-style: none; margin: 0; padding: 0; display: flex; justify-content: flex-end; gap: var(--ba-s5); }
.main-nav li { margin: 0; position: relative; }
.main-nav a {
  display: inline-flex; align-items: center; min-height: 44px;
  color: var(--ba-ink); text-decoration: none; font-weight: 500; font-size: 16px;
  border-bottom: 2px solid transparent;
}
.main-nav a:hover { color: var(--ba-blue); border-bottom-color: var(--ba-mist); }
.main-nav a[aria-current="page"], .main-nav .nav-group.open > a { color: var(--ba-blue); border-bottom-color: var(--ba-blue); }
/* CSS-only dropdowns */
.nav-group > a::after { content: ""; display: inline-block; width: 6px; height: 6px; margin-left: var(--ba-s2); border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: translateY(-2px) rotate(45deg); }
.nav-group .sub {
  position: absolute; left: 0; top: 100%; z-index: 60; min-width: 260px;
  list-style: none; margin: 0; padding: var(--ba-s2) 0;
  background: var(--ba-white); border: 1px solid var(--ba-mist); border-top: 2px solid var(--ba-blue);
  display: none;
}
.nav-group:hover .sub, .nav-group:focus-within .sub { display: block; }
.nav-group .sub li { margin: 0; }
.nav-group .sub a { display: block; padding: var(--ba-s2) var(--ba-s4); border-bottom: 0; font-weight: 400; min-height: 40px; }
.nav-group .sub a:hover { background: var(--ba-blue-50); }
.nav-group .sub .sub-head { display: block; padding: var(--ba-s3) var(--ba-s4) var(--ba-s1); font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ba-slate); font-weight: 500; }
.header-actions { display: flex; align-items: center; gap: var(--ba-s5); }
.header-phone { color: var(--ba-ink); text-decoration: none; font-weight: 500; white-space: nowrap; }
.header-phone:hover { color: var(--ba-blue); }
.header-call { display: none; }
/* Mobile menu: a native <details> so it works without JavaScript */
.mobile-menu { display: none; }
.mobile-menu summary { list-style: none; cursor: pointer; display: inline-flex; align-items: center; min-height: 44px; font-weight: 500; color: var(--ba-blue); padding: 0 var(--ba-s2); }
.mobile-menu summary::-webkit-details-marker { display: none; }
.mobile-menu summary::before { content: ""; width: 18px; height: 2px; background: currentColor; box-shadow: 0 -6px 0 currentColor, 0 6px 0 currentColor; margin-right: var(--ba-s3); }
.mobile-menu[open] summary::before { box-shadow: none; transform: rotate(45deg); }
.mobile-menu nav { grid-column: 1 / -1; }
.mobile-menu ul { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--ba-mist); }
.mobile-menu li { margin: 0; }
.mobile-menu a { display: block; padding: var(--ba-s3) 0; min-height: 44px; color: var(--ba-ink); text-decoration: none; font-weight: 500; border-bottom: 1px solid var(--ba-mist); }
.mobile-menu a[aria-current="page"] { color: var(--ba-blue); }
.mobile-menu .sub-head { display: block; padding: var(--ba-s4) 0 var(--ba-s1); font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ba-slate); font-weight: 500; }
.mobile-menu .sub a { padding-left: var(--ba-s4); font-weight: 400; }

/* ---------- Sections ---------- */
.section { padding: var(--ba-s9) 0; }
.section + .section { border-top: 1px solid var(--ba-mist); }
.section--tight { padding: var(--ba-s8) 0; }
.section--paper { background: var(--ba-paper); }
.section--tint { background: var(--ba-blue-50); }
.section--paper + .section, .section + .section--paper,
.section--tint + .section, .section + .section--tint { border-top: 0; }
.section--blue { background: var(--ba-blue); color: var(--ba-white); }
.section--blue h2, .section--blue .eyebrow { color: var(--ba-white); }
.section--blue a:not(.btn) { color: var(--ba-white); }
.section--blue :focus-visible { outline-color: var(--ba-white); }
.section-head { margin-bottom: var(--ba-s7); }
.section-head p { max-width: 680px; }

/* 12-column layouts */
.split { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: var(--ba-s5); }
.split > .side { grid-column: span 4; }
.split > .main { grid-column: span 8; max-width: 720px; }
.split > .main > :last-child { margin-bottom: 0; }

/* ---------- Hero ---------- */
.hero { padding: var(--ba-s9) 0 var(--ba-s8); }
.hero .split > .copy { grid-column: span 7; align-self: center; }
.hero .split > .panel { grid-column: 9 / span 4; align-self: start; }
.hero .lead { max-width: 600px; margin-top: var(--ba-s5); }
.hero--paper { background: var(--ba-paper); }
.crumbs { list-style: none; padding: 0; margin: 0 0 var(--ba-s5); display: flex; flex-wrap: wrap; gap: var(--ba-s2); font-size: 14px; color: var(--ba-slate); }
.crumbs li { margin: 0; }
.crumbs li + li::before { content: "/"; margin-right: var(--ba-s2); color: var(--ba-mist); }
.crumbs a { color: var(--ba-slate); text-decoration: none; }
.crumbs a:hover { color: var(--ba-blue); text-decoration: underline; }

/* Document-style panel */
.panel {
  background: var(--ba-white); border: 1px solid var(--ba-mist); border-top: 4px solid var(--ba-blue);
  border-radius: var(--ba-radius); padding: var(--ba-s6);
}
.panel--tint { background: var(--ba-blue-50); border-color: var(--ba-blue-50); border-top-color: var(--ba-blue); }
.panel h2 { font-size: 26px; }
.panel h3 { font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ba-slate); font-weight: 500; margin: var(--ba-s5) 0 var(--ba-s2); }
.panel h3:first-of-type { margin-top: 0; }
.panel ol, .panel ul { padding-left: var(--ba-s5); }
.panel li { margin-bottom: var(--ba-s2); }
.panel p:last-child, .panel ul:last-child { margin-bottom: 0; }
.panel .small { margin-top: var(--ba-s5); margin-bottom: 0; padding-top: var(--ba-s4); border-top: 1px solid var(--ba-mist); }

/* ---------- Pillars ---------- */
.pillars { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--ba-s5); }
.pillar { border-top: 2px solid var(--ba-blue); padding-top: var(--ba-s5); }
.pillar .eyebrow { color: var(--ba-blue); margin-bottom: var(--ba-s2); }
.pillar h3 { font-family: var(--ba-font-display); font-weight: 600; font-size: 26px; line-height: 1.25; color: var(--ba-ink); margin-bottom: var(--ba-s3); }
.pillar p:last-child { margin-bottom: 0; }

/* ---------- Cards ---------- */
.cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--ba-s5); }
.cards--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.card {
  display: flex; flex-direction: column; background: var(--ba-white);
  border: 1px solid var(--ba-mist); border-radius: var(--ba-radius); padding: var(--ba-s6);
}
.card--paper { background: var(--ba-paper); }
.card h3 { font-family: var(--ba-font-display); font-size: 26px; font-weight: 600; line-height: 1.25; color: var(--ba-blue); margin-bottom: var(--ba-s3); }
.card h3 a { color: inherit; text-decoration: none; }
.card h3 a:hover { text-decoration: underline; }
.card .quote { font-family: var(--ba-font-display); font-weight: 600; font-size: 20px; line-height: 1.35; color: var(--ba-ink); border-left: 2px solid var(--ba-blue); padding-left: var(--ba-s4); margin: var(--ba-s4) 0 var(--ba-s5); }
.card .text-link { margin-top: auto; }
.card ul { margin-bottom: var(--ba-s5); }

/* Link list (hub pages) */
.linklist { list-style: none; padding: 0; margin: 0; border-top: 1px solid var(--ba-mist); }
.linklist li { margin: 0; border-bottom: 1px solid var(--ba-mist); }
.linklist a { display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 3fr); gap: var(--ba-s5); padding: var(--ba-s4) 0; text-decoration: none; color: var(--ba-ink); }
.linklist a:hover strong { text-decoration: underline; }
.linklist strong { font-family: var(--ba-font-display); font-weight: 600; font-size: 20px; color: var(--ba-blue); }
.linklist span { color: var(--ba-slate); }

/* ---------- Q&A / FAQ ---------- */
.qa { border-top: 1px solid var(--ba-mist); }
.qa-row { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: var(--ba-s5); padding: var(--ba-s6) 0; border-bottom: 1px solid var(--ba-mist); }
.qa-row .q { grid-column: span 5; font-family: var(--ba-font-display); font-weight: 600; font-size: 20px; line-height: 1.35; color: var(--ba-blue); margin: 0; }
.qa-row .a { grid-column: 7 / span 6; margin: 0; }
.faq { border-top: 1px solid var(--ba-mist); max-width: 820px; }
.faq details { border-bottom: 1px solid var(--ba-mist); }
.faq summary { list-style: none; cursor: pointer; display: grid; grid-template-columns: 1fr 24px; gap: var(--ba-s4); align-items: center; padding: var(--ba-s4) 0; font-family: var(--ba-font-display); font-weight: 600; font-size: 20px; line-height: 1.35; color: var(--ba-blue); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--ba-font-body); font-weight: 400; font-size: 24px; color: var(--ba-slate); text-align: center; }
.faq details[open] summary::after { content: "\2212"; }
.faq .answer { padding: 0 0 var(--ba-s5); max-width: 680px; }
.faq .answer p:last-child { margin-bottom: 0; }

/* ---------- Tables ---------- */
.table { width: 100%; border-collapse: collapse; font-size: 16px; }
.table th {
  background: var(--ba-blue); color: var(--ba-white); text-align: left;
  font-size: 12px; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase;
  padding: var(--ba-s3) var(--ba-s4);
}
.table td { padding: var(--ba-s4); border-bottom: 1px solid var(--ba-mist); vertical-align: top; }
.table tbody tr:nth-child(even) td { background: #F8FAFD; }
.table td:first-child { font-weight: 700; width: 24%; }
.table td:nth-child(2) { width: 40%; }

/* ---------- Lists ---------- */
.checklist { list-style: none; padding: 0; margin: 0; border-top: 1px solid var(--ba-mist); }
.checklist li { display: grid; grid-template-columns: 48px 1fr; gap: var(--ba-s4); padding: var(--ba-s4) 0; margin: 0; border-bottom: 1px solid var(--ba-mist); }
.checklist .n { font-family: var(--ba-font-mono); font-size: 14px; color: var(--ba-blue); padding-top: 2px; }
.tags { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: var(--ba-s2); }
.tags li { margin: 0; padding: var(--ba-s2) var(--ba-s3); border: 1px solid var(--ba-mist); border-radius: var(--ba-radius); background: var(--ba-white); font-size: 14px; }
.cols-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--ba-s7) var(--ba-s5); }
.cols-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--ba-s7) var(--ba-s5); }
.block h3 { margin-bottom: var(--ba-s2); }
.block p:last-child, .block ul:last-child { margin-bottom: 0; }
.block .check { font-size: 14px; color: var(--ba-slate); border-top: 1px solid var(--ba-mist); padding-top: var(--ba-s3); margin-top: var(--ba-s4); }
.two-lists { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--ba-s5); }
.two-lists h3 { font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ba-slate); font-weight: 500; margin-bottom: var(--ba-s3); }
.two-lists ul { margin: 0; }
.not-list { list-style: none; padding: 0; margin: 0; }
.not-list li { padding-left: var(--ba-s5); position: relative; }
.not-list li::before { content: "\2014"; position: absolute; left: 0; color: var(--ba-alert-deep); }

/* Steps */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--ba-s5); }
.steps li { margin: 0; border-top: 2px solid var(--ba-blue); padding-top: var(--ba-s4); }
.steps .n { display: block; font-family: var(--ba-font-mono); font-size: 14px; color: var(--ba-blue); margin-bottom: var(--ba-s2); }
.steps strong { display: block; margin-bottom: var(--ba-s1); }

/* Callout */
.note { background: var(--ba-blue-50); border-left: 4px solid var(--ba-blue); padding: var(--ba-s5) var(--ba-s6); border-radius: 0 var(--ba-radius) var(--ba-radius) 0; }
.note .eyebrow { color: var(--ba-blue); margin-bottom: var(--ba-s2); }
.note p:last-child { margin-bottom: 0; }
.note--paper { background: var(--ba-white); border-left-color: var(--ba-blue-900); }

/* Contact blocks */
.contact-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--ba-s5); }
.contact-item { border-top: 2px solid var(--ba-blue); padding-top: var(--ba-s5); }
.contact-item .big { display: inline-block; font-family: var(--ba-font-display); font-weight: 600; font-size: 26px; line-height: 1.25; color: var(--ba-blue); text-decoration: none; margin-bottom: var(--ba-s3); word-break: break-word; }
.contact-item .big:hover { text-decoration: underline; }

/* CTA band */
.cta-band .split > .main { max-width: none; }
.cta-band h2 { font-size: 36px; line-height: 1.15; font-weight: 700; margin-bottom: var(--ba-s4); }
.cta-band p { max-width: 640px; color: #E3E9F5; }

/* ---------- Carriers ---------- */
.carrier-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 1px; background: var(--ba-mist); border: 1px solid var(--ba-mist); }
.carrier-cell { background: var(--ba-white); min-height: 104px; display: flex; align-items: center; justify-content: center; padding: var(--ba-s4) var(--ba-s5); text-decoration: none; color: var(--ba-ink); }
.carrier-cell img { max-height: 44px; max-width: 150px; width: auto; height: auto; }
.carrier-cell .name { font-family: var(--ba-font-display); font-weight: 600; font-size: 20px; color: var(--ba-blue); text-align: center; }
.carrier-cell:hover { background: var(--ba-blue-50); }
.carrier-list { list-style: none; padding: 0; margin: 0; border-top: 1px solid var(--ba-mist); }
.carrier-list li { margin: 0; display: grid; grid-template-columns: 200px 1fr; gap: var(--ba-s5); align-items: center; padding: var(--ba-s5) 0; border-bottom: 1px solid var(--ba-mist); }
.carrier-list img { max-height: 44px; max-width: 160px; width: auto; }
.carrier-list .name { font-family: var(--ba-font-display); font-weight: 600; font-size: 20px; color: var(--ba-blue); }
.carrier-list p { margin: 0; }
.trademark { font-size: 12px; color: var(--ba-slate); margin-top: var(--ba-s4); }

/* ---------- Forms ---------- */
.form { max-width: 820px; }
.form fieldset { border: 0; padding: 0; margin: 0 0 var(--ba-s7); min-width: 0; }
.form legend { font-family: var(--ba-font-display); font-weight: 600; font-size: 26px; line-height: 1.25; color: var(--ba-blue); padding: 0; margin-bottom: var(--ba-s2); }
.form .legend-help { color: var(--ba-slate); margin-bottom: var(--ba-s5); max-width: 640px; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--ba-s5); }
.field { display: flex; flex-direction: column; gap: var(--ba-s2); }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 500; }
.field .req { color: var(--ba-slate); font-weight: 400; font-size: 14px; }
.field .help { font-size: 14px; color: var(--ba-slate); }
.field input, .field select, .field textarea {
  font: inherit; color: var(--ba-ink); background: var(--ba-white);
  border: 1px solid var(--ba-slate); border-radius: var(--ba-radius);
  min-height: 44px; padding: var(--ba-s3) var(--ba-s4); width: 100%;
}
.field textarea { min-height: 160px; resize: vertical; }
.field select { appearance: none; -webkit-appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--ba-slate) 50%), linear-gradient(135deg, var(--ba-slate) 50%, transparent 50%); background-position: calc(100% - 20px) 50%, calc(100% - 14px) 50%; background-size: 6px 6px; background-repeat: no-repeat; padding-right: 40px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--ba-blue); outline-offset: 1px; border-color: var(--ba-blue); }
.choices { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--ba-s3) var(--ba-s5); margin: 0; padding: 0; list-style: none; }
.choices li { margin: 0; }
.choice { display: grid; grid-template-columns: 24px 1fr; gap: var(--ba-s3); align-items: start; min-height: 44px; }
.choice input { width: 24px; height: 24px; margin: 2px 0 0; accent-color: var(--ba-blue); }
.form .notice { background: var(--ba-blue-50); border-left: 4px solid var(--ba-blue); padding: var(--ba-s4) var(--ba-s5); margin: var(--ba-s6) 0; }
.form .notice p:last-child { margin: 0; }
.form .submit { display: flex; flex-wrap: wrap; align-items: center; gap: var(--ba-s4); }

/* Sources */
.sources { font-size: 14px; color: var(--ba-slate); }
.sources ol { padding-left: var(--ba-s5); margin: 0; }
.sources li { margin-bottom: var(--ba-s1); }

/* Personal lines: paper ground, no orange, airier */
.pc main { background: var(--ba-paper); }
.pc .section + .section { border-top-color: var(--ba-mist); }
.pc .main p, .pc .main li { font-size: 18px; }
.pc .pillar, .pc .contact-item, .pc .steps li { border-top-width: 1px; border-top-color: var(--ba-mist); }
.pc .card, .pc .panel { background: var(--ba-white); }

/* ---------- Footer ---------- */
.site-footer { background: var(--ba-blue-900); color: #E3E9F5; padding: var(--ba-s8) 0 var(--ba-s6); font-size: 14px; }
.site-footer a { color: var(--ba-white); }
.site-footer :focus-visible { outline-color: var(--ba-white); }
.footer-top { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: var(--ba-s5); padding-bottom: var(--ba-s6); border-bottom: 1px solid rgba(255, 255, 255, 0.2); }
.footer-brand { grid-column: span 4; }
.footer-brand img { width: 180px; margin-bottom: var(--ba-s4); }
.footer-col { grid-column: span 2; }
.footer-col:last-child { grid-column: span 2; }
.footer-col h2 { font-family: var(--ba-font-body); font-size: 12px; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: #B9C3D6; margin-bottom: var(--ba-s3); }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: var(--ba-s2); }
.footer-col .btn { margin-top: var(--ba-s2); }
.legal-block { margin: var(--ba-s5) 0 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: var(--ba-s2) var(--ba-s5); color: var(--ba-white); font-weight: 500; }
.legal-block li { margin: 0; }
.disclaimer { font-size: 12px; line-height: 1.45; color: #C9D1E0; max-width: 900px; margin: var(--ba-s4) 0 var(--ba-s3); }
.legal-line { font-size: 12px; color: #B9C3D6; margin: 0; }

/* ---------- Responsive ---------- */
@media (max-width: 1400px) {
  .header-phone { display: none; }
}
@media (max-width: 1240px) {
  .main-nav > ul { gap: var(--ba-s4); }
  .main-nav a { font-size: 15px; }
}
@media (max-width: 1024px) {
  .site-header .bar { grid-template-columns: auto 1fr auto; min-height: 64px; }
  .main-nav { display: none; }
  .mobile-menu { display: block; grid-column: 1 / -1; }
  .mobile-menu summary { margin-left: calc(-1 * var(--ba-s2)); }
  .mobile-menu nav { padding-bottom: var(--ba-s4); }
  .mobile-menu[open] { padding-top: var(--ba-s2); }
  .site-header .bar { grid-template-areas: "logo spacer actions" "menu menu menu"; }
  .logo { grid-area: logo; }
  .header-actions { grid-area: actions; justify-self: end; }
  .mobile-menu { grid-area: menu; }
  .hero .split > .copy, .hero .split > .panel { grid-column: 1 / -1; }
  .hero .split > .panel { margin-top: var(--ba-s6); max-width: 560px; }
  .split > .side, .split > .main { grid-column: 1 / -1; }
  .pillars, .cards, .cards--2, .contact-grid, .cols-3 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-brand { grid-column: 1 / -1; }
  .footer-col, .footer-col:last-child { grid-column: span 4; }
}
@media (max-width: 720px) {
  .wrap { padding: 0 var(--ba-s4); }
  .section { padding: var(--ba-s8) 0; }
  .hero { padding: var(--ba-s7) 0 var(--ba-s8); }
  .display { font-size: 36px; line-height: 1.15; letter-spacing: -0.01em; }
  h1 { font-size: 36px; }
  .cta-band h2 { font-size: 26px; line-height: 1.25; }
  .cols-2, .steps, .two-lists, .form-grid, .choices { grid-template-columns: 1fr; }
  .qa-row .q, .qa-row .a { grid-column: 1 / -1; }
  .qa-row { gap: var(--ba-s3); }
  .linklist a { grid-template-columns: 1fr; gap: var(--ba-s1); }
  .carrier-list li { grid-template-columns: 1fr; gap: var(--ba-s3); }
  .table thead { position: absolute; left: -9999px; }
  .table, .table tbody, .table tr, .table td { display: block; width: 100% !important; }
  .table tr { border-bottom: 1px solid var(--ba-mist); padding: var(--ba-s3) 0; }
  .table tbody tr:nth-child(even) td { background: transparent; }
  .table td { border: 0; padding: var(--ba-s1) 0; }
  .table td::before { content: attr(data-label); display: block; font-size: 12px; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ba-slate); }
  .table td:first-child::before { content: none; }
  .table td:first-child { font-size: 18px; color: var(--ba-blue); }
  .footer-col, .footer-col:last-child { grid-column: 1 / -1; }
  .actions .btn, .form .submit .btn { width: 100%; }
}
@media (max-width: 520px) {
  .header-actions .btn { display: none; }
  .header-call { display: inline-flex; align-items: center; min-height: 44px; white-space: nowrap; font-weight: 500; color: var(--ba-blue); text-decoration: none; }
  .logo, .logo img { width: 150px; }
}
@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}