/* ═══════════════════════════════════════════════════════════════
   GUARANT RE — Site Stylesheet
   Premium Enterprise Reinsurance Design System
   ═══════════════════════════════════════════════════════════════ */

:root {
  --ink-0:#0b0e14; --ink-1:#1a1f2e; --ink-2:#2d3447; --ink-3:#4a5268;
  --ink-4:#8890a4; --ink-5:#b8bfcc; --ink-6:#dde1e9; --ink-7:#f0f2f6;
  --ink-8:#f8f9fb; --white:#ffffff;
  --blue:#0074FE; --blue-dk:#0055c4; --blue-lt:#e8f1ff;
  --rule:rgba(0,0,0,0.08);
  --ff-d:'Cormorant Garamond',Georgia,serif;
  --ff-b:'DM Sans',system-ui,sans-serif;
  --mw:1200px; --nh:68px;
  --sp-16:16px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--ff-b);background:#fff;color:var(--ink-1);line-height:1.65;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
a,button{cursor:pointer}
ul,ol{list-style:none}
img,svg{display:block;max-width:100%}

/* ── SKIP NAV ─────────────────────────────────────────────────── */
.skip-nav{position:absolute;top:-999px;left:0;background:var(--blue);color:#fff;padding:8px 16px;z-index:9999;font-size:.875rem;text-decoration:none}
.skip-nav:focus{top:0}

/* ── HEADER / NAV ─────────────────────────────────────────────── */
header{position:sticky;top:0;z-index:200;background:rgba(255,255,255,0.96);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--rule);height:var(--nh)}
.nav-container{max-width:var(--mw);margin:0 auto;padding:0 40px;height:100%;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{display:flex;align-items:center;text-decoration:none;flex-shrink:0;background:none;border:none;padding:0;cursor:pointer}
.logo-svg{height:38px;width:auto;display:block;transition:opacity .2s,transform .25s}
.logo:hover .logo-svg{opacity:.78}
.logo:active .logo-svg{transform:scale(.98)}

nav#main-nav > ul{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
nav#main-nav > ul > li{position:relative;list-style:none}
nav#main-nav .nav-link{font-size:.8rem;color:var(--ink-3);letter-spacing:.02em;padding:6px 11px;border-radius:4px;transition:color .15s,background .15s;white-space:nowrap;display:block;background:none;border:none;font-family:var(--ff-b);cursor:pointer;text-decoration:none}
nav#main-nav .nav-link:hover{color:var(--ink-0);background:var(--ink-7)}
nav#main-nav .nav-link.active{color:var(--blue);background:var(--blue-lt)}
nav#main-nav .dd-menu{display:none;position:absolute;top:calc(100% + 6px);left:0;background:#fff;border:1px solid var(--ink-6);border-radius:6px;min-width:200px;padding:6px;box-shadow:0 12px 32px rgba(0,0,0,.10);z-index:300;list-style:none;margin:0;flex-direction:column;gap:0}
nav#main-nav .dropdown.open > .dd-menu{display:flex}
nav#main-nav .dd-menu li{list-style:none;width:100%}
nav#main-nav .dd-menu a{display:block;width:100%;text-align:left;padding:8px 14px;border-radius:4px;font-size:.8rem;color:var(--ink-2);text-decoration:none;font-family:var(--ff-b);transition:background .15s,color .15s}
nav#main-nav .dd-menu a:hover{background:var(--ink-7);color:var(--ink-0)}
nav#main-nav .dd-toggle::after{content:' ▾';font-size:.6rem;opacity:.5;margin-left:3px;display:inline-block;transition:transform .2s}
nav#main-nav .dropdown.open .dd-toggle::after{transform:rotate(180deg);opacity:1}
nav#main-nav .dropdown.open > .dd-toggle{color:var(--ink-0);background:var(--ink-7)}

.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;padding:6px;cursor:pointer}
.hamburger span{display:block;width:22px;height:2px;background:var(--ink-2);border-radius:2px;transition:.25s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-nav{display:none;position:fixed;top:var(--nh);left:0;right:0;background:#fff;border-bottom:1px solid var(--ink-6);z-index:190;padding:12px 20px 24px;max-height:calc(100vh - var(--nh));overflow-y:auto;box-shadow:0 8px 24px rgba(0,0,0,.08)}
.mobile-nav.open{display:block}
.mobile-nav ul{display:flex;flex-direction:column;gap:2px;list-style:none}
.mobile-nav a{display:block;width:100%;text-align:left;padding:9px 13px;font-size:.9375rem;color:var(--ink-2);border-radius:5px;text-decoration:none;font-family:var(--ff-b)}
.mobile-nav a:hover{background:var(--ink-7)}
.mob-grp{padding:8px 13px 3px;font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-4);margin-top:8px}
.mob-sub a{padding-left:24px;font-size:.875rem;color:var(--ink-3)}

/* ── HOME HERO ────────────────────────────────────────────────── */
.home-hero{position:relative;min-height:88vh;display:flex;align-items:center;overflow:hidden;background:var(--ink-0)}
.home-hero-bg{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=1600&q=80&auto=format&fit=crop');background-size:cover;background-position:center;opacity:.35;filter:grayscale(.2)}
.home-hero-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(11,14,20,.95) 0%,rgba(11,14,20,.65) 50%,rgba(11,14,20,.85) 100%)}
.home-hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:64px 64px;pointer-events:none}
.home-hero-accent{position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--blue)}
.home-hero-c{position:absolute;right:-100px;top:50%;transform:translateY(-50%);width:520px;height:520px;border-radius:50%;border:1px solid rgba(0,116,254,.15);pointer-events:none;animation:rotate 60s linear infinite}
.home-hero-c2{position:absolute;right:-50px;top:50%;transform:translateY(-50%);width:340px;height:340px;border-radius:50%;border:1px solid rgba(255,255,255,.06);pointer-events:none;animation:rotate 40s linear infinite reverse}
@keyframes rotate{from{transform:translateY(-50%) rotate(0deg)}to{transform:translateY(-50%) rotate(360deg)}}
.home-hero-inner{position:relative;max-width:var(--mw);margin:0 auto;padding:80px 40px;width:100%}
.hero-eye{display:inline-flex;align-items:center;gap:8px;font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);background:rgba(0,116,254,.1);border:1px solid rgba(0,116,254,.25);border-radius:40px;padding:6px 14px;margin-bottom:24px}
.hero-eye::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--blue);animation:pulse 2s ease-in-out infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.3)}}
.home-hero-inner h1{font-family:var(--ff-d);font-size:clamp(2.6rem,5.5vw,5rem);font-weight:400;color:#fff;line-height:1.05;letter-spacing:-.02em;max-width:780px}
.home-hero-inner h1 em{font-style:italic;color:var(--ink-4)}
.home-hero-sub{margin-top:24px;font-size:1.125rem;color:var(--ink-4);max-width:560px;line-height:1.65}
.home-hero-actions{margin-top:40px;display:flex;gap:16px;flex-wrap:wrap}
.home-hero-stats{margin-top:60px;padding-top:36px;border-top:1px solid rgba(255,255,255,.08);display:flex;gap:48px;flex-wrap:wrap;max-width:720px}
.hstat-n{font-family:var(--ff-d);font-size:2.4rem;font-weight:500;color:#fff;line-height:1;margin-bottom:6px}
.hstat-l{font-size:.75rem;letter-spacing:.08em;color:var(--ink-4);text-transform:uppercase}

/* ── PAGE HERO ────────────────────────────────────────────────── */
.page-hero{position:relative;overflow:hidden;background:var(--ink-0);padding:80px 40px 72px;min-height:340px;display:flex;align-items:center}
.page-hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;opacity:.28;filter:grayscale(.3)}
.page-hero-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(11,14,20,.92) 0%,rgba(11,14,20,.7) 60%,rgba(11,14,20,.9) 100%)}
.page-hero::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.022) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.022) 1px,transparent 1px);background-size:60px 60px;pointer-events:none}
.page-hero::after{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--blue)}
.page-hero-inner{position:relative;max-width:var(--mw);margin:0 auto;width:100%}
.breadcrumb{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-4);margin-bottom:24px;display:flex;align-items:center;gap:10px}
.breadcrumb a{color:var(--ink-5);text-decoration:none;transition:color .15s}
.breadcrumb a:hover{color:#fff}
.bc-sep{color:var(--ink-3)}
.page-hero h1{font-family:var(--ff-d);font-size:clamp(2.4rem,5vw,4.25rem);font-weight:400;color:#fff;line-height:1.08;letter-spacing:-.015em;max-width:680px}
.page-hero h1 em{font-style:italic;color:var(--ink-4)}
.page-hero-sub{margin-top:20px;font-size:1rem;color:var(--ink-4);max-width:520px;line-height:1.65}

.hero-meta{display:flex;gap:32px;margin-top:36px;padding-top:28px;border-top:1px solid rgba(255,255,255,.07);flex-wrap:wrap;position:relative}
.hml{font-size:.65rem;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-3);margin-bottom:4px}
.hmv{font-size:.8125rem;color:var(--ink-5)}

/* ── BUTTONS ──────────────────────────────────────────────────── */
.btn,.btn-primary{display:inline-flex;align-items:center;gap:10px;background:var(--blue);color:#fff;font-family:var(--ff-b);font-size:.9375rem;font-weight:500;padding:14px 28px;border-radius:6px;border:none;cursor:pointer;transition:background .18s,transform .18s,box-shadow .18s;text-decoration:none}
.btn:hover,.btn-primary:hover{background:var(--blue-dk);transform:translateY(-1px);box-shadow:0 10px 28px rgba(0,116,254,.3)}
.btn svg,.btn-primary svg{width:16px;height:16px;transition:transform .2s}
.btn:hover svg,.btn-primary:hover svg{transform:translateX(3px)}
.btn-ghost{display:inline-flex;align-items:center;gap:10px;background:transparent;color:#fff;font-family:var(--ff-b);font-size:.9375rem;font-weight:500;padding:14px 28px;border-radius:6px;border:1px solid rgba(255,255,255,.2);cursor:pointer;transition:all .18s;text-decoration:none}
.btn-ghost:hover{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.4)}
.btn-light{display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--blue);font-family:var(--ff-b);font-size:.9375rem;font-weight:500;padding:14px 28px;border-radius:6px;border:none;cursor:pointer;transition:all .18s;text-decoration:none}
.btn-light:hover{background:var(--ink-0);color:#fff;box-shadow:0 10px 28px rgba(0,0,0,.25)}
.btn-light svg{width:16px;height:16px;transition:transform .2s}
.btn-light:hover svg{transform:translateX(3px)}

/* ── SECTION ──────────────────────────────────────────────────── */
.section{padding:84px 0;border-bottom:1px solid var(--ink-6)}
.section:last-of-type{border-bottom:none}
.section-content{max-width:var(--mw);margin:0 auto;padding:0 40px}
.section-label{font-size:.6875rem;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:12px}
.section-title{font-family:var(--ff-d);font-size:clamp(1.7rem,3vw,2.5rem);font-weight:500;color:var(--ink-0);line-height:1.18;margin-bottom:24px;letter-spacing:-.01em}
.section-body{font-size:1rem;color:var(--ink-3);max-width:680px;line-height:1.78}
.section-intro{font-size:1.125rem;color:var(--ink-2);line-height:1.78;max-width:720px;margin-bottom:48px}

/* ── TWO-COLUMN LAYOUT ────────────────────────────────────────── */
.two-col{display:grid;grid-template-columns:220px 1fr;gap:72px;align-items:start}
.col-label{padding-top:4px;position:sticky;top:calc(var(--nh) + 24px)}

.two-column{display:grid;grid-template-columns:1fr 1fr;gap:48px}

/* ── ITEMS GRID (Whistleblowing reportable items) ─────────────── */
.items-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;max-width:620px}
.item-cell{display:flex;align-items:flex-start;gap:13px;padding:18px 20px;background:var(--ink-8);border:1px solid var(--ink-6);border-radius:6px;transition:all .25s}
.item-cell:hover{border-color:var(--blue);background:#fff;transform:translateX(3px);box-shadow:0 4px 16px rgba(0,116,254,.06)}
.item-icon{flex-shrink:0;width:17px;height:17px;margin-top:2px;color:var(--blue);transition:transform .25s}
.item-cell:hover .item-icon{transform:scale(1.15)}
.item-cell p{font-size:.875rem;color:var(--ink-2);line-height:1.55}

/* ── WHISTLEBLOWING CHANNEL CARDS ─────────────────────────────── */
.channels-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.channel-card{background:#fff;border:1px solid var(--ink-6);border-radius:8px;padding:28px 24px;display:flex;flex-direction:column;gap:13px;transition:all .25s;position:relative;overflow:hidden}
.channel-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--blue);opacity:0;transition:opacity .25s;border-radius:0}
.channel-card:hover{border-color:rgba(0,116,254,.35);box-shadow:0 8px 32px rgba(0,116,254,.08);transform:translateY(-3px)}
.channel-card:hover::before{opacity:1}
.channel-top{display:flex;align-items:flex-start;justify-content:space-between}
.channel-num{font-family:var(--ff-d);font-size:2rem;font-weight:400;color:var(--ink-6);line-height:1;transition:color .25s}
.channel-card:hover .channel-num{color:var(--blue-lt)}
.channel-ico{width:42px;height:42px;background:var(--blue-lt);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--blue);flex-shrink:0;transition:all .25s}
.channel-card:hover .channel-ico{background:var(--blue);color:#fff;transform:scale(1.05)}
.channel-ico svg{width:18px;height:18px}
.channel-title{font-size:.9rem;font-weight:500;color:var(--ink-0)}
.channel-body{font-size:.875rem;color:var(--ink-3);line-height:1.65;flex:1}
.channel-link{font-size:.8125rem;color:var(--blue);font-weight:500;display:inline-flex;align-items:center;gap:5px;text-decoration:none;transition:gap .15s}
.channel-link:hover{gap:9px}
.channel-link svg{width:13px;height:13px}
.channel-card.wide{grid-column:span 2;flex-direction:row;align-items:flex-start;gap:22px}
.channel-wide-content{flex:1;display:flex;flex-direction:column;gap:10px}
.channel-wide-head{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px}

/* ── PROTECTION BLOCK ─────────────────────────────────────────── */
.protection-block{background:var(--ink-0);border-radius:8px;padding:48px 52px;max-width:720px;position:relative;overflow:hidden}
.protection-block-bg{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1563013544-824ae1b704d3?w=1200&q=80&auto=format&fit=crop');background-size:cover;background-position:center;opacity:.12;filter:grayscale(1)}
.protection-block::before{content:'';position:absolute;right:-70px;top:-70px;width:260px;height:260px;border-radius:50%;background:rgba(0,116,254,.08)}
.protection-block p{font-size:1.0625rem;color:var(--ink-5);line-height:1.8;position:relative}
.protection-block strong{color:#fff;font-weight:500}
.protection-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(0,116,254,.14);border:1px solid rgba(0,116,254,.28);border-radius:4px;padding:6px 14px;font-size:.7rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:#6ab4ff;margin-bottom:22px;position:relative}
.protection-badge svg{width:13px;height:13px}

/* ── TIMELINE ─────────────────────────────────────────────────── */
.timeline{position:relative;max-width:680px}
.timeline::before{content:'';position:absolute;left:19px;top:44px;bottom:44px;width:1px;background:linear-gradient(to bottom,var(--blue),var(--ink-6))}
.timeline-item{display:grid;grid-template-columns:40px 1fr;gap:26px;padding-bottom:40px;transition:transform .25s}
.timeline-item:hover{transform:translateX(4px)}
.timeline-item:last-child{padding-bottom:0}
.timeline-dot{width:40px;height:40px;border-radius:50%;background:#fff;border:2px solid var(--ink-6);display:flex;align-items:center;justify-content:center;flex-shrink:0;position:relative;z-index:1;transition:border-color .25s,background .25s,transform .25s}
.timeline-item:hover .timeline-dot{border-color:var(--blue);background:var(--blue-lt);transform:scale(1.1)}
.timeline-dot span{font-family:var(--ff-d);font-size:1.05rem;font-weight:600;color:var(--ink-3);transition:color .25s}
.timeline-item:hover .timeline-dot span{color:var(--blue)}
.timeline-content{padding-top:8px}
.timeline-step-title{font-size:.9375rem;font-weight:500;color:var(--ink-0);margin-bottom:7px}
.timeline-step-body{font-size:.875rem;color:var(--ink-3);line-height:1.72}

/* ── CTA BANNER ───────────────────────────────────────────────── */
.cta-section{padding:84px 0 100px}
.cta-banner{background:var(--blue);border-radius:10px;padding:60px 68px;display:flex;align-items:center;justify-content:space-between;gap:48px;position:relative;overflow:hidden;max-width:var(--mw);margin:0 auto}
.cta-banner-bg{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?w=1600&q=80&auto=format&fit=crop');background-size:cover;background-position:center;opacity:.18;mix-blend-mode:overlay}
.cta-banner::before{content:'';position:absolute;right:-100px;bottom:-100px;width:360px;height:360px;border-radius:50%;background:rgba(255,255,255,.08)}
.cta-banner::after{content:'';position:absolute;right:160px;top:-70px;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,.04)}
.cta-text{position:relative;flex:1}
.cta-eye{font-size:.6875rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-bottom:13px}
.cta-h{font-family:var(--ff-d);font-size:clamp(1.7rem,3vw,2.5rem);font-weight:400;color:#fff;line-height:1.15;margin-bottom:12px}
.cta-d{font-size:.9375rem;color:rgba(255,255,255,.78);max-width:440px;line-height:1.67}
.cta-act{position:relative;flex-shrink:0}

/* ── INFO CARDS (3-up) ────────────────────────────────────────── */
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:40px}
.info-card{background:#fff;border:1px solid var(--ink-6);border-radius:8px;padding:30px 26px;transition:all .25s;position:relative;overflow:hidden}
.info-card:hover{border-color:var(--blue);transform:translateY(-3px);box-shadow:0 10px 28px rgba(0,116,254,.07)}
.info-card .ic-ico{width:46px;height:46px;background:var(--blue-lt);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--blue);margin-bottom:18px;transition:all .25s}
.info-card:hover .ic-ico{background:var(--blue);color:#fff}
.info-card .ic-ico svg{width:22px;height:22px}
.info-card h3{font-family:var(--ff-d);font-size:1.35rem;font-weight:500;color:var(--ink-0);margin-bottom:10px}
.info-card p{font-size:.875rem;color:var(--ink-3);line-height:1.7}

/* ── SERVICE CARDS WITH IMAGE ─────────────────────────────────── */
.svc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.svc-card{background:#fff;border:1px solid var(--ink-6);border-radius:10px;overflow:hidden;transition:all .25s;text-decoration:none;color:inherit;display:block}
.svc-card:hover{border-color:var(--blue);transform:translateY(-4px);box-shadow:0 14px 36px rgba(0,116,254,.08)}
.svc-img{height:180px;background-size:cover;background-position:center;position:relative;overflow:hidden}
.svc-img::after{content:'';position:absolute;inset:0;background:linear-gradient(to bottom,rgba(11,14,20,0) 50%,rgba(11,14,20,.6) 100%)}
.svc-img-tag{position:absolute;top:14px;left:14px;background:rgba(0,116,254,.95);color:#fff;font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;padding:5px 10px;border-radius:4px;z-index:1}
.svc-body{padding:24px 26px}
.svc-body h3{font-family:var(--ff-d);font-size:1.4rem;font-weight:500;color:var(--ink-0);margin-bottom:10px}
.svc-body p{font-size:.9rem;color:var(--ink-3);line-height:1.65;margin-bottom:16px}
.svc-link{font-size:.8125rem;color:var(--blue);font-weight:500;display:inline-flex;align-items:center;gap:5px;text-decoration:none;transition:gap .15s}
.svc-link:hover{gap:9px}
.svc-link svg{width:13px;height:13px}

/* ── CONTENT CARD ─────────────────────────────────────────────── */
.content-card{background:#fff;border:1px solid var(--ink-6);border-radius:8px;padding:36px 44px;max-width:760px;margin-bottom:24px;transition:border-color .25s}
.content-card:hover{border-color:var(--ink-5)}
.content-card h3{font-family:var(--ff-d);font-size:1.5rem;font-weight:500;color:var(--ink-0);margin-bottom:14px}
.content-card p{font-size:.9375rem;color:var(--ink-3);line-height:1.75;margin-bottom:12px}
.content-card p:last-child{margin-bottom:0}
.content-card p strong{color:var(--ink-1);font-weight:500}
.content-card a{color:var(--blue);text-decoration:none;transition:color .15s}
.content-card a:hover{color:var(--blue-dk);text-decoration:underline}
.content-card ul{display:flex;flex-direction:column;gap:8px;margin-top:14px;list-style:none}
.content-card ul li{font-size:.9375rem;color:var(--ink-3);padding-left:20px;position:relative;line-height:1.6}
.content-card ul li::before{content:'';position:absolute;left:0;top:10px;width:10px;height:1px;background:var(--blue)}

/* ── SPLIT GRID (Image + Text) ────────────────────────────────── */
.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split-img-wrap{position:relative;border-radius:10px;overflow:hidden;aspect-ratio:5/6}
.split-img{width:100%;height:100%;object-fit:cover;transition:transform .8s ease}
.split-img-wrap:hover .split-img{transform:scale(1.04)}
.split-img-tag{position:absolute;bottom:24px;left:24px;background:#fff;padding:14px 18px;border-radius:6px;box-shadow:0 8px 28px rgba(0,0,0,.15);display:flex;align-items:center;gap:12px}
.split-img-tag-ico{width:40px;height:40px;background:var(--blue-lt);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--blue)}
.split-img-tag-text{font-size:.75rem;color:var(--ink-2);font-weight:500;line-height:1.3}
.split-img-tag-text strong{display:block;font-family:var(--ff-d);font-size:1.1rem;font-weight:500;color:var(--ink-0);margin-bottom:1px}

/* ── LOB GRID ─────────────────────────────────────────────────── */
.lob-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.lob-card{background:#fff;border:1px solid var(--ink-6);border-radius:8px;overflow:hidden;transition:all .25s;display:flex;flex-direction:column;text-decoration:none;color:inherit}
.lob-card:hover{border-color:var(--blue);box-shadow:0 10px 28px rgba(0,116,254,.1);transform:translateY(-3px)}
.lob-img{height:120px;background-size:cover;background-position:center;position:relative}
.lob-img::after{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(0,116,254,.15) 0%,rgba(0,116,254,0) 60%)}
.lob-body{padding:18px 18px 20px;display:flex;flex-direction:column;gap:8px;flex:1}
.lob-ico{width:34px;height:34px;background:var(--blue-lt);border-radius:7px;display:flex;align-items:center;justify-content:center;color:var(--blue);margin-bottom:4px}
.lob-ico svg{width:16px;height:16px}
.lob-title{font-size:.9rem;font-weight:500;color:var(--ink-0)}
.lob-desc{font-size:.8rem;color:var(--ink-4);line-height:1.55}

/* ── DEPARTMENT CARDS (Contact) ───────────────────────────────── */
.dept-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.dept-card{background:#fff;border:1px solid var(--ink-6);border-radius:8px;padding:26px 24px;display:flex;flex-direction:column;gap:10px;transition:all .25s;position:relative;overflow:hidden}
.dept-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--blue);opacity:0;transition:opacity .25s}
.dept-card:hover{border-color:rgba(0,116,254,.4);box-shadow:0 8px 28px rgba(0,116,254,.08);transform:translateY(-3px)}
.dept-card:hover::before{opacity:1}
.dept-ico{width:40px;height:40px;background:var(--blue-lt);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--blue);flex-shrink:0;transition:all .25s;margin-bottom:6px}
.dept-card:hover .dept-ico{background:var(--blue);color:#fff;transform:scale(1.05)}
.dept-ico svg{width:18px;height:18px}
.dept-card h3{font-family:var(--ff-b);font-size:.95rem;font-weight:500;color:var(--ink-0);margin-bottom:2px}
.dept-mail{font-size:.8rem;color:var(--blue);font-weight:500;display:inline-flex;align-items:center;gap:5px;text-decoration:none;transition:gap .15s;word-break:break-all}
.dept-mail:hover{gap:8px}
.dept-mail svg{width:11px;height:11px;flex-shrink:0}
.dept-desc{font-size:.8125rem;color:var(--ink-3);line-height:1.55;margin-top:4px}

/* ── INFO TWO-COL ─────────────────────────────────────────────── */
.info-2col{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.info-block .info-lbl{font-size:.6875rem;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}
.info-block h3{font-family:var(--ff-d);font-size:1.65rem;font-weight:500;color:var(--ink-0);margin-bottom:16px;line-height:1.18}
.info-block p{font-size:.9375rem;color:var(--ink-3);line-height:1.78}

/* ── FORM CARD ────────────────────────────────────────────────── */
.form-card{background:#fff;border:1px solid var(--ink-6);border-radius:10px;padding:40px 44px;max-width:780px;display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-card .fg-full{grid-column:span 2}
.form-card .form-action{grid-column:span 2;margin-top:8px}
.form-group{display:flex;flex-direction:column;gap:7px;margin-bottom:0}
.form-group label{font-size:.8125rem;font-weight:500;color:var(--ink-2);letter-spacing:.02em}
.form-group input,.form-group textarea,.form-group select{width:100%;padding:11px 14px;border:1px solid var(--ink-6);border-radius:5px;font-family:var(--ff-b);font-size:.9375rem;color:var(--ink-1);background:#fff;transition:border-color .18s,box-shadow .18s;outline:none}
.form-group input:focus,.form-group textarea:focus,.form-group select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,116,254,.1)}
.form-group textarea{min-height:120px;resize:vertical;font-family:var(--ff-b)}

/* ── CONTACT INFO BLOCK ───────────────────────────────────────── */
.contact-info{display:flex;flex-direction:column;gap:0}
.ci-item{display:flex;align-items:flex-start;gap:14px;padding:18px 0;border-bottom:1px solid var(--ink-6)}
.ci-item:last-child{border-bottom:none}
.ci-ico{width:40px;height:40px;background:var(--blue-lt);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--blue);flex-shrink:0;transition:all .25s}
.ci-item:hover .ci-ico{background:var(--blue);color:#fff}
.ci-ico svg{width:17px;height:17px}
.ci-lbl{font-size:.7rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-4);margin-bottom:4px}
.ci-val{font-size:.9rem;color:var(--ink-2);line-height:1.55}
.ci-val a{color:var(--blue);text-decoration:none;transition:color .15s}
.ci-val a:hover{color:var(--blue-dk);text-decoration:underline}

/* ── FOOTER ───────────────────────────────────────────────────── */
footer{background:var(--ink-0);color:var(--ink-4);position:relative;overflow:hidden}
.footer-bg{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=1600&q=80&auto=format&fit=crop');background-size:cover;background-position:center;opacity:.06;filter:grayscale(1)}
.footer-content{max-width:var(--mw);margin:0 auto;padding:64px 40px 36px;position:relative}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:48px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.06)}
.footer-section h4{font-size:.6875rem;font-weight:500;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-5);margin-bottom:18px}
.footer-section p{font-size:.875rem;line-height:1.72;color:var(--ink-4)}
.footer-section ul{display:flex;flex-direction:column;gap:9px;list-style:none}
.footer-section ul a{font-size:.875rem;color:var(--ink-4);text-decoration:none;transition:color .15s}
.footer-section ul a:hover{color:#fff}
.footer-soc{display:flex;gap:10px;margin-top:18px}
.footer-soc a{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;color:var(--ink-4);transition:all .2s;text-decoration:none}
.footer-soc a:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.footer-soc svg{width:15px;height:15px}
.footer-bottom{padding-top:28px;display:flex;align-items:flex-start;justify-content:space-between;gap:20px;flex-wrap:wrap}
.footer-bottom > p{font-size:.75rem;color:var(--ink-3);letter-spacing:.06em}
.footer-links{display:flex;flex-wrap:wrap;gap:18px}
.footer-links a{font-size:.75rem;color:var(--ink-3);text-decoration:none;transition:color .15s}
.footer-links a:hover{color:var(--ink-5)}
.footer-disclaimer{width:100%;font-size:.71875rem;color:var(--ink-3);line-height:1.6;padding-top:14px;border-top:1px solid rgba(255,255,255,.04);margin-top:10px}
.footer-disclaimer a{color:var(--ink-3);text-decoration:underline}

/* ── REVEAL ANIMATIONS ────────────────────────────────────────── */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.visible{opacity:1;transform:none}
.reveal-l{opacity:0;transform:translateX(-24px);transition:opacity .7s ease,transform .7s ease}
.reveal-l.visible{opacity:1;transform:none}
.reveal-r{opacity:0;transform:translateX(24px);transition:opacity .7s ease,transform .7s ease}
.reveal-r.visible{opacity:1;transform:none}


/* ── MILESTONES TIMELINE ──────────────────────────────────────── */
.milestones{position:relative;display:flex;flex-direction:column;gap:0;margin-top:8px}
.milestone-item{display:grid;grid-template-columns:160px 1fr;gap:36px;padding:28px 22px;border-bottom:1px solid var(--ink-6);transition:all .25s;position:relative;border-radius:6px}
.milestone-item:last-child{border-bottom:none}
.milestone-item::before{content:'';position:absolute;left:0;top:50%;transform:translateY(-50%);width:3px;height:0;background:var(--blue);transition:height .25s;border-radius:2px}
.milestone-item:hover{background:var(--ink-8);padding-left:30px}
.milestone-item:hover::before{height:60%}
.milestone-year{font-family:var(--ff-d);font-size:2.6rem;font-weight:500;color:var(--ink-2);line-height:1;transition:color .25s;position:relative;padding-top:4px}
.milestone-year::after{content:'';position:absolute;left:0;bottom:-10px;width:36px;height:2px;background:var(--blue);transition:width .25s}
.milestone-item:hover .milestone-year{color:var(--blue)}
.milestone-item:hover .milestone-year::after{width:60px}
.milestone-content{padding-top:8px}
.milestone-content h4{font-family:var(--ff-d);font-size:1.3rem;font-weight:500;color:var(--ink-0);margin-bottom:10px;line-height:1.3}
.milestone-content p{font-size:.9375rem;color:var(--ink-3);line-height:1.72;margin:0}

/* ── KPI METRICS GRID ─────────────────────────────────────────── */
.kpi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:8px}
.kpi-card{background:#fff;border:1px solid var(--ink-6);border-radius:8px;padding:32px 28px;text-align:left;position:relative;overflow:hidden;transition:all .25s}
.kpi-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--blue);opacity:0;transition:opacity .25s}
.kpi-card:hover{border-color:rgba(0,116,254,.4);box-shadow:0 8px 28px rgba(0,116,254,.08);transform:translateY(-3px)}
.kpi-card:hover::before{opacity:1}
.kpi-value{font-family:var(--ff-d);font-size:2.4rem;font-weight:500;color:var(--blue);line-height:1;margin-bottom:8px}
.kpi-label{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-3);font-weight:500;margin:0}
.kpi-note{font-size:.8125rem;color:var(--ink-4);margin-top:8px;font-style:italic}
@media(max-width:768px){
  .milestone-item{grid-template-columns:1fr;gap:14px;padding:22px 14px}
  .milestone-year{font-size:2.2rem}
  .kpi-grid{grid-template-columns:1fr}
}

/* ── RESPONSIVE ───────────────────────────────────────────────── */
@media(max-width:1024px){
  .two-col{grid-template-columns:1fr;gap:28px}
  .col-label{position:static}
  .channels-grid{grid-template-columns:1fr 1fr}
  .channel-card.wide{grid-column:span 2}
  .footer-grid{grid-template-columns:1fr 1fr}
  .cta-banner{padding:48px 40px}
  .lob-grid{grid-template-columns:repeat(3,1fr)}
  .info-grid{grid-template-columns:1fr 1fr}
  .svc-grid{grid-template-columns:1fr}
  .split-grid{grid-template-columns:1fr;gap:40px}
  .home-hero-inner h1{font-size:clamp(2.2rem,6vw,3.5rem)}
  .dept-grid{grid-template-columns:1fr 1fr}
  .info-2col{grid-template-columns:1fr;gap:32px}
  .two-column{grid-template-columns:1fr;gap:32px}
}
@media(max-width:768px){
  .nav-container{padding:0 20px}
  nav#main-nav{display:none}
  .hamburger{display:flex}
  .section-content{padding:0 20px}
  .page-hero,.home-hero-inner{padding:56px 20px 56px}
  .home-hero{min-height:auto;padding:40px 0}
  .section{padding:56px 0}
  .channels-grid{grid-template-columns:1fr}
  .channel-card.wide{grid-column:span 1;flex-direction:column}
  .items-grid{grid-template-columns:1fr}
  .cta-banner{flex-direction:column;padding:36px 24px;align-items:flex-start}
  .btn,.btn-primary,.btn-light,.btn-ghost{width:100%;justify-content:center}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .footer-bottom{flex-direction:column}
  .protection-block{padding:32px 24px}
  .content-card{padding:28px 24px}
  .lob-grid{grid-template-columns:1fr 1fr}
  .info-grid{grid-template-columns:1fr}
  .home-hero-stats{gap:28px}
  .dept-grid{grid-template-columns:1fr}
  .form-card{grid-template-columns:1fr;padding:28px 24px}
  .form-card .fg-full,.form-card .form-action{grid-column:span 1}
}