/* ==========================================================================
   LK Risk — Components
   Reusable UI: buttons, links, navbar, cards, content blocks (copy,
   statement, detail list, media frame, breadcrumb), FAQ item, footer.
   Blocks with markup map 1:1 to a file in /components.
   ========================================================================== */


/* ==========================================================================
   Buttons
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-3);
  min-height: 48px;
  padding: 0.875rem 1.75rem;
  border: 1px solid transparent;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.8125rem;
  font-weight: var(--weight-semibold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  line-height: 1;
  white-space: nowrap;
  transition:
    background-color var(--duration) var(--ease-out),
    border-color var(--duration) var(--ease-out),
    color var(--duration) var(--ease-out),
    transform var(--duration) var(--ease-out);
}

.btn:active {
  transform: translateY(1px);
}

/* Gold — the single primary action in a view */
.btn--primary {
  background-color: var(--gold-500);
  color: var(--navy-950);
}

.btn--primary:hover {
  background-color: var(--gold-400);
}

.btn--primary:active {
  background-color: var(--gold-600);
}

/* Hairline outline — secondary actions on dark */
.btn--outline {
  border-color: rgba(195, 165, 114, 0.55);
  color: var(--white);
}

.btn--outline:hover {
  border-color: var(--gold-500);
  background-color: var(--gold-500);
  color: var(--navy-950);
}

/* Navy — primary action on light backgrounds */
.btn--dark {
  background-color: var(--navy-900);
  color: var(--white);
}

.btn--dark:hover {
  background-color: var(--navy-700);
}

.btn--sm {
  min-height: 42px;
  padding: 0.75rem 1.25rem;
  font-size: 0.75rem;
}

/* --- Text link with arrow and a growing gold underline ------------------- */
.link-arrow {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: var(--space-3);
  padding-block: var(--space-2);
  font-size: 0.8125rem;
  font-weight: var(--weight-semibold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: currentColor;
}

.link-arrow::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 100%;
  height: 1px;
  background-color: var(--gold-500);
  transform: scaleX(0.35);
  transform-origin: left;
  transition: transform var(--duration) var(--ease-out);
}

.link-arrow svg {
  width: 16px;
  height: 16px;
  transition: transform var(--duration) var(--ease-out);
}

.link-arrow:hover::after,
.link-arrow:focus-visible::after {
  transform: scaleX(1);
}

.link-arrow:hover svg {
  transform: translateX(4px);
}


/* ==========================================================================
   Navbar — components/navbar.html
   ========================================================================== */
.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 100;
  color: var(--white);
  transition:
    background-color var(--duration) var(--ease-out),
    border-color var(--duration) var(--ease-out),
    backdrop-filter var(--duration) var(--ease-out);
  border-bottom: 1px solid transparent;
}

.site-header.is-scrolled,
.site-header.is-open {
  background-color: rgba(10, 18, 31, 0.92);
  border-bottom-color: var(--color-line-dark);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
}

.navbar {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  height: var(--nav-height);
  transition: height var(--duration) var(--ease-out);
}

.site-header.is-scrolled .navbar {
  height: 72px;
}

/* --- Reading progress: a gold hairline pinned to the top of the viewport -- */
.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 110; /* above the header (100) */
  height: 1px;
  pointer-events: none;
}

.scroll-progress__bar {
  display: block;
  height: 100%;
  background-color: var(--gold-500);
  transform: scaleX(var(--progress, 0));
  transform-origin: left;
  will-change: transform;
}

/* --- Brand --------------------------------------------------------------- */
.brand {
  display: inline-flex;
  align-items: center;
  gap: var(--space-3);
  justify-self: start;
}

/* Official logo. Use lk-logo-reversed.svg on navy, lk-logo.svg on light. */
.brand__logo {
  width: auto;
  height: 56px;
  transition: height var(--duration) var(--ease-out);
}

.site-header.is-scrolled .brand__logo {
  height: 46px;
}

.brand__logo--lg {
  height: 64px;
}

@media (max-width: 640px) {
  .brand__logo {
    height: 46px;
  }
}

/* --- Primary navigation -------------------------------------------------- */
.nav-menu {
  display: flex;
  align-items: center;
  gap: var(--space-7);
}

.nav-link {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding-block: var(--space-2);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--navy-100);
  transition: color var(--duration-fast) var(--ease-out);
}

.nav-link::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 1px;
  background-color: var(--gold-500);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--duration) var(--ease-out);
}

.nav-link:hover,
.nav-link[aria-current="page"],
.nav-dropdown:has([aria-current="page"]) > .nav-link,
.nav-dropdown.is-open > .nav-link {
  color: var(--white);
}

.nav-link:hover::after,
.nav-link[aria-current="page"]::after,
.nav-dropdown:has([aria-current="page"]) > .nav-link::after,
.nav-dropdown.is-open > .nav-link::after {
  transform: scaleX(1);
}

.nav-dropdown__link[aria-current="page"] {
  color: var(--gold-300);
}

.nav-link__chevron {
  width: 12px;
  height: 12px;
  transition: transform var(--duration) var(--ease-out);
}

.nav-dropdown.is-open .nav-link__chevron {
  transform: rotate(180deg);
}

/* --- Dropdown ------------------------------------------------------------ */
.nav-dropdown {
  position: relative;
}

.nav-dropdown__menu {
  position: absolute;
  top: calc(100% + var(--space-4));
  left: 50%;
  min-width: 300px;
  padding: var(--space-3);
  background-color: var(--navy-900);
  border: 1px solid var(--color-line-dark);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translate(-50%, -6px);
  transition:
    opacity var(--duration) var(--ease-out),
    transform var(--duration) var(--ease-out),
    visibility var(--duration);
}

.nav-dropdown.is-open .nav-dropdown__menu {
  opacity: 1;
  visibility: visible;
  transform: translate(-50%, 0);
}

.nav-dropdown__link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-sm);
  font-size: var(--text-sm);
  color: var(--navy-100);
  transition:
    background-color var(--duration-fast) var(--ease-out),
    color var(--duration-fast) var(--ease-out);
}

.nav-dropdown__link::after {
  content: "";
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background-color: var(--gold-500);
  opacity: 0;
  transition: opacity var(--duration-fast) var(--ease-out);
}

.nav-dropdown__link:hover,
.nav-dropdown__link:focus-visible {
  background-color: rgba(255, 255, 255, 0.04);
  color: var(--white);
}

.nav-dropdown__link:hover::after {
  opacity: 1;
}

/* --- Right-hand CTA ------------------------------------------------------ */
.navbar__cta {
  justify-self: end;
}

.nav-menu__cta {
  display: none;
}

/* --- Mobile toggle ------------------------------------------------------- */
.nav-toggle {
  display: none;
  justify-self: end;
  width: 44px;
  height: 44px;
  position: relative;
}

.nav-toggle__bar {
  position: absolute;
  left: 10px;
  right: 10px;
  height: 1px;
  background-color: var(--white);
  transition: transform var(--duration) var(--ease-out), top var(--duration) var(--ease-out);
}

.nav-toggle__bar:nth-child(1) { top: 18px; }
.nav-toggle__bar:nth-child(2) { top: 26px; }

.site-header.is-open .nav-toggle__bar:nth-child(1) {
  top: 22px;
  transform: rotate(45deg);
}

.site-header.is-open .nav-toggle__bar:nth-child(2) {
  top: 22px;
  transform: rotate(-45deg);
}

@media (max-width: 960px) {
  /* Brand | <nav> | toggle. The <nav> stays a (zero-width) grid item —
     its menu is fixed-position — so it needs its own column, or the
     toggle wraps onto a second row. */
  .navbar {
    grid-template-columns: 1fr auto auto;
  }

  /* backdrop-filter makes the header the containing block for fixed
     descendants, which would collapse the full-screen menu to the
     header's height. The open state uses a solid bar instead. */
  .site-header.is-open {
    background-color: var(--navy-950);
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
  }

  .nav-toggle {
    display: block;
  }

  .navbar__cta {
    display: none;
  }

  /* Scoped under .site-header so it outranks the ul[role="list"] reset,
     which would otherwise zero the padding and push links to the edge */
  .site-header .nav-menu {
    position: fixed;
    inset: var(--nav-height) 0 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: var(--space-6) var(--gutter) var(--space-9);
    background-color: var(--navy-950);
    overflow-y: auto;
    opacity: 0;
    visibility: hidden;
    transition: opacity var(--duration) var(--ease-out), visibility var(--duration);
  }

  .site-header.is-scrolled .nav-menu {
    top: 72px;
  }

  .site-header.is-open .nav-menu {
    opacity: 1;
    visibility: visible;
  }

  .nav-menu > li {
    border-bottom: 1px solid var(--color-line-dark);
  }

  .nav-link {
    width: 100%;
    justify-content: space-between;
    padding-block: var(--space-5);
    font-family: var(--font-display);
    font-size: 1.75rem;
    font-weight: var(--weight-medium);
    color: var(--white);
  }

  .nav-link::after {
    display: none;
  }

  .nav-link__chevron {
    width: 16px;
    height: 16px;
  }

  .site-header .nav-dropdown__menu {
    position: static;
    min-width: 0;
    padding: 0 0 var(--space-4);
    background: none;
    border: 0;
    box-shadow: none;
    transform: none;
    display: none;
  }

  .nav-dropdown.is-open .nav-dropdown__menu {
    display: block;
    transform: none;
  }

  .nav-dropdown__link {
    padding-inline: 0;
    font-size: var(--text-base);
  }

  .nav-menu > li.nav-menu__cta {
    display: block;
    margin-top: var(--space-7);
    border: 0;
  }

  .nav-menu__cta .btn {
    width: 100%;
  }
}


/* ==========================================================================
   Feature card — components/feature-card.html
   Sits inside a joined panel; hairline dividers between cards.
   ========================================================================== */
.feature-card {
  position: relative;
  padding: var(--space-8) var(--space-6) var(--space-7);
  background-color: var(--white);
  transition: background-color var(--duration) var(--ease-out);
}

.feature-card::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 2px;
  background-color: var(--gold-500);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 600ms var(--ease-out);
}

.feature-card:hover {
  background-color: var(--gold-50);
}

.feature-card:hover::after {
  transform: scaleX(1);
}

.feature-card__number {
  display: block;
  margin-bottom: var(--space-6);
  font-family: var(--font-display);
  font-size: 1.125rem;
  font-variant-numeric: lining-nums;
  font-weight: var(--weight-medium);
  color: var(--gold-700);
  letter-spacing: 0.04em;
}

.feature-card__number::after {
  content: "";
  display: inline-block;
  width: 24px;
  height: 1px;
  margin-left: var(--space-3);
  vertical-align: middle;
  background-color: var(--gold-300);
  transition: width var(--duration) var(--ease-out);
}

.feature-card:hover .feature-card__number::after {
  width: 48px;
}

.feature-card__title {
  margin-bottom: var(--space-3);
  font-size: 1.5rem;
  color: var(--navy-900);
}

.feature-card__text {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

/* --- Card panel: joins feature cards with hairline gutters --------------- */
.card-panel {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  background-color: var(--color-line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

/* Three columns — e.g. category cards */
.card-panel--3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

/* Category variant: a feature card holding a hairline list of items */
.feature-card__list {
  margin-top: var(--space-6);
  border-top: 1px solid var(--color-line);
}

.feature-card__list > li {
  padding-block: var(--space-3);
  border-bottom: 1px solid var(--color-line);
  font-size: var(--text-sm);
  color: var(--navy-900);
}

.feature-card__note {
  color: var(--color-text-muted);
}

@media (max-width: 1080px) {
  .card-panel {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .card-panel--3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (max-width: 860px) {
  .card-panel--3 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .card-panel {
    grid-template-columns: 1fr;
  }

  /* Long lists (e.g. a coverage catalogue): tighter cards once stacked */
  .card-panel--catalogue .feature-card {
    padding: var(--space-6) var(--space-5);
  }

  .card-panel--catalogue .feature-card__number {
    margin-bottom: var(--space-4);
  }
}


/* ==========================================================================
   Copy block — gold rule → title → text → action.
   The standard heading group for split and editorial layouts.
   ========================================================================== */
.copy > .rule {
  margin-bottom: var(--space-6);
}

.copy__title {
  margin-bottom: var(--space-6);
  font-size: var(--text-xl);
  color: var(--title-color, var(--navy-900));
}

.copy__title:last-child {
  margin-bottom: 0;
}

/* Comfortable measure once a split stacks full-width (no effect on desktop) */
.copy > p,
.copy > .detail-list {
  max-width: 40rem;
}

.copy > p + p {
  margin-top: var(--space-4);
}

.copy > .pull {
  margin-block: var(--space-6);
}

/* Optional label between the rule and the title */
.copy > .eyebrow + .copy__title {
  margin-top: var(--space-4);
}

/* A statement runs wider than body copy; constrain it with the wrapper */
.copy > .statement {
  max-width: none;
}

.copy > .link-arrow {
  margin-top: var(--space-7);
  color: var(--accent-text, var(--gold-700));
}

.copy > .btn {
  margin-top: var(--space-8);
}

/* --- Pull line: a single sentence lifted into display italic ------------ */
.pull {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-style: italic;
  line-height: var(--leading-snug);
  color: var(--pull-color, var(--navy-500));
}

/* Key phrases inside body copy step up to the title colour */
.text-muted strong {
  font-weight: var(--weight-semibold);
  color: var(--title-color, var(--navy-900));
}

/* --- Statement: an editorial pull line set in the display face ---------- */
.statement {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: var(--weight-medium);
  line-height: var(--leading-snug);
  letter-spacing: var(--tracking-tight);
  color: var(--title-color, var(--navy-900));
}

.statement em {
  color: var(--accent-text, var(--gold-700));
}

.statement + p {
  max-width: 36rem;
  margin-top: var(--space-7);
  padding-top: var(--space-7);
  border-top: 1px solid var(--line-color, var(--color-line));
}

/* --- Steps: a numbered process on a shared hairline ---------------------- */
.steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--space-8) var(--space-6);
}

.step {
  position: relative;
  padding-top: var(--space-7);
  border-top: 1px solid var(--line-color, var(--color-line));
}

/* Gold marker on the hairline; extends across the step on hover */
.step::before {
  content: "";
  position: absolute;
  top: -1px;
  left: 0;
  width: 40px;
  height: 1px;
  background-color: var(--gold-500);
  transition: width 600ms var(--ease-out);
}

.step:hover::before {
  width: 100%;
}

.step__number {
  display: block;
  margin-bottom: var(--space-6);
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-variant-numeric: lining-nums;
  line-height: 1;
  color: var(--accent-text, var(--gold-700));
}

.step__title {
  margin-bottom: var(--space-3);
  font-size: 1.5rem;
  color: var(--title-color, var(--navy-900));
}

.step__text {
  max-width: 22rem;
  font-size: var(--text-sm);
}

@media (max-width: 860px) {
  .steps {
    grid-template-columns: 1fr;
  }
}

/* --- Detail list: titled points separated by hairlines ------------------- */
.detail-list {
  border-top: 1px solid var(--line-color, var(--color-line));
}

.detail-list > li {
  padding-block: var(--space-5);
  border-bottom: 1px solid var(--line-color, var(--color-line));
}

.detail-list h3 {
  margin-bottom: var(--space-2);
  font-size: 1.375rem;
  color: var(--title-color, var(--navy-900));
}

.detail-list p {
  font-size: var(--text-sm);
}


/* ==========================================================================
   Media frame — the standard image treatment for editorial layouts.
   Tune per use with --frame-ratio, --frame-focus, --frame-saturate.
   ========================================================================== */
.media-frame {
  overflow: hidden;
  border-radius: var(--radius);
  background-color: var(--navy-800);
  aspect-ratio: var(--frame-ratio, 5 / 4);
}

.media-frame > img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: var(--frame-focus, center);
  filter: saturate(var(--frame-saturate, 0.7));
}

/* Tall portrait crop, capped so it never outgrows the copy beside it */
.media-frame--portrait {
  --frame-ratio: 5 / 6;
  width: 100%;
  max-height: 640px;
}

/* A single offset gold hairline behind the frame */
.media-offset {
  position: relative;
  isolation: isolate;
}

.media-offset::before {
  content: "";
  position: absolute;
  inset: var(--space-6) calc(var(--space-6) * -1) calc(var(--space-6) * -1) var(--space-6);
  border: 1px solid var(--gold-200);
  border-radius: var(--radius);
  z-index: -1;
}

@media (max-width: 860px) {
  .media-frame--portrait {
    --frame-ratio: 4 / 3;
  }

  .media-offset {
    margin-right: var(--space-6);
  }
}

@media (max-width: 640px) {
  .media-offset {
    margin-right: var(--space-4);
  }

  .media-offset::before {
    inset: var(--space-4) calc(var(--space-4) * -1) calc(var(--space-4) * -1) var(--space-4);
  }
}


/* ==========================================================================
   Panel — the raised white card (CTA, enquiry form)
   ========================================================================== */
.panel {
  padding: clamp(2.5rem, 1.5rem + 4vw, 5rem);
  background-color: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}


/* ==========================================================================
   Form — hairline fields, uppercase labels, native validation.
   Two columns on desktop; .form__full spans both.
   ========================================================================== */
.form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--space-7) var(--space-6);
}

.form__full {
  grid-column: 1 / -1;
}

.field {
  display: grid;
  gap: var(--space-2);
}

.field__label {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wide);
  text-transform: uppercase;
  color: var(--navy-900);
}

.field__hint {
  font-weight: var(--weight-regular);
  letter-spacing: 0;
  text-transform: none;
  color: var(--color-text-muted);
}

.field__control {
  width: 100%;
  min-height: 48px;
  padding: var(--space-3) 0;
  border: 0;
  border-bottom: 1px solid var(--color-field-line);
  border-radius: 0;
  background-color: transparent;
  color: var(--color-text);
  transition: border-color var(--duration) var(--ease-out), box-shadow var(--duration) var(--ease-out);
}

.field__control:hover {
  border-bottom-color: var(--navy-500);
}

/* Focus: the hairline thickens to gold — replaces the global outline */
.field__control:focus-visible {
  outline: none;
  border-bottom-color: var(--gold-700);
  box-shadow: 0 1px 0 0 var(--gold-700);
}

.field__control:user-invalid {
  border-bottom-color: var(--color-error);
  box-shadow: 0 1px 0 0 var(--color-error);
}

textarea.field__control {
  min-height: 9rem;
  resize: vertical;
}

select.field__control {
  appearance: none;
  padding-right: var(--space-7);
  background: no-repeat right center / 12px
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12' fill='none'%3E%3Cpath d='M2.5 4.5 6 8l3.5-3.5' stroke='%238A7148' stroke-width='1.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  cursor: pointer;
}

.check {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  cursor: pointer;
}

.check input {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 0.2em;
  accent-color: var(--navy-900);
}

.form__actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-4) var(--space-6);
}

.form__note {
  font-family: var(--font-display);
  font-size: var(--text-md);
  font-style: italic;
  color: var(--navy-500);
}

@media (max-width: 640px) {
  .form {
    grid-template-columns: 1fr;
  }

  .form__actions .btn {
    width: 100%;
  }
}


/* ==========================================================================
   Contact list — labelled phone / email / address / hours rows
   ========================================================================== */
.contact-list {
  display: grid;
  gap: var(--space-6);
}

.contact-list__item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
}

.contact-list__item > svg {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  margin-top: 0.15em;
  color: var(--accent-text, var(--gold-700));
}

.contact-list__label {
  display: block;
  margin-bottom: var(--space-1);
}

.contact-list__value {
  font-size: var(--text-md);
  color: var(--title-color, var(--navy-900));
}

a.contact-list__item .contact-list__value {
  background: linear-gradient(var(--gold-500), var(--gold-500)) left bottom / 0 1px no-repeat;
  transition: background-size var(--duration) var(--ease-out);
}

a.contact-list__item:hover .contact-list__value {
  background-size: 100% 1px;
}


/* ==========================================================================
   Social links — round hairline icon buttons
   ========================================================================== */
.social {
  display: flex;
  gap: var(--space-3);
}

.social a {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line-color, var(--color-line));
  border-radius: 50%;
  color: var(--accent-text, var(--gold-700));
  transition:
    background-color var(--duration) var(--ease-out),
    border-color var(--duration) var(--ease-out),
    color var(--duration) var(--ease-out);
}

.social a:hover {
  border-color: var(--gold-500);
  background-color: var(--gold-500);
  color: var(--navy-950);
}

.social svg {
  width: 16px;
  height: 16px;
}


/* ==========================================================================
   Breadcrumb — internal page heroes
   ========================================================================== */
.breadcrumb {
  margin-bottom: var(--space-6);
}

.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--space-3);
  color: var(--navy-200);
}

.breadcrumb li + li::before {
  content: "";
  display: inline-block;
  width: 16px;
  height: 1px;
  margin-right: var(--space-3);
  vertical-align: middle;
  background-color: var(--gold-500);
}

.breadcrumb a {
  transition: color var(--duration-fast) var(--ease-out);
}

.breadcrumb a:hover {
  color: var(--white);
}

.breadcrumb [aria-current="page"] {
  color: var(--gold-300);
}


/* ==========================================================================
   Insurance card — components/insurance-card.html
   ========================================================================== */
.insurance-card {
  display: block;
  color: var(--navy-900);
}

.insurance-card__media {
  overflow: hidden;
  border-radius: var(--radius);
  background-color: var(--navy-800);
  aspect-ratio: 3 / 4;
}

.insurance-card__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: saturate(0.8);
  transition:
    transform 1.2s var(--ease-out),
    filter var(--duration-slow) var(--ease-out);
}

.insurance-card:hover .insurance-card__media img {
  transform: scale(1.05);
  filter: saturate(1);
}

.insurance-card__footer {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: var(--space-4);
  padding-top: var(--space-5);
  margin-top: var(--space-5);
  border-top: 1px solid var(--color-line);
  position: relative;
}

.insurance-card__footer::before {
  content: "";
  position: absolute;
  top: -1px;
  left: 0;
  width: 100%;
  height: 1px;
  background-color: var(--gold-500);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 600ms var(--ease-out);
}

.insurance-card:hover .insurance-card__footer::before,
.insurance-card:focus-visible .insurance-card__footer::before {
  transform: scaleX(1);
}

.insurance-card__title {
  font-size: 1.375rem;
}

.insurance-card__icon {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 0.3em;
  color: var(--gold-700);
  transition: transform var(--duration) var(--ease-out);
}

.insurance-card:hover .insurance-card__icon {
  transform: translate(3px, -3px);
}


/* ==========================================================================
   Benefit card — components/benefit-card.html
   ========================================================================== */
.benefit-card__media {
  overflow: hidden;
  border-radius: var(--radius);
  background-color: var(--navy-800);
  aspect-ratio: 4 / 5;
  box-shadow: var(--shadow-lg);
}

.benefit-card__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: saturate(0.75);
  transition: transform 1.4s var(--ease-out), filter var(--duration-slow) var(--ease-out);
}

.benefit-card:hover .benefit-card__media img {
  transform: scale(1.04);
  filter: saturate(0.95);
}

.benefit-card__body {
  padding-top: var(--space-7);
}

.benefit-card__body .rule {
  margin-bottom: var(--space-5);
  transition: width var(--duration) var(--ease-out);
}

.benefit-card:hover .benefit-card__body .rule {
  width: 72px;
}

.benefit-card__title {
  margin-bottom: var(--space-3);
  font-size: 1.5rem;
  color: var(--white);
}

.benefit-card__text {
  font-size: var(--text-sm);
  color: var(--navy-200);
}


/* ==========================================================================
   FAQ item — components/faq-item.html  (native <details> for a11y)
   ========================================================================== */
.faq-item {
  border-bottom: 1px solid var(--color-line-dark);
}

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

.faq-item__question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-6);
  padding-block: var(--space-6);
  cursor: pointer;
  list-style: none;
}

.faq-item__question::-webkit-details-marker {
  display: none;
}

.faq-item__question h3 {
  font-size: var(--text-lg);
  color: var(--white);
  transition: color var(--duration-fast) var(--ease-out);
}

.faq-item__question:hover h3 {
  color: var(--gold-300);
}

.faq-item__icon {
  position: relative;
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border: 1px solid var(--color-line-dark);
  border-radius: 50%;
  transition: border-color var(--duration) var(--ease-out), background-color var(--duration) var(--ease-out);
}

.faq-item__icon::before,
.faq-item__icon::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 12px;
  height: 1px;
  background-color: var(--gold-500);
  transform: translate(-50%, -50%);
  transition: transform var(--duration) var(--ease-out);
}

.faq-item__icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.faq-item__question:hover .faq-item__icon {
  border-color: var(--gold-500);
}

.faq-item[open] .faq-item__icon::after {
  transform: translate(-50%, -50%) rotate(0deg);
}

.faq-item__answer {
  max-width: 40rem;
  padding-bottom: var(--space-7);
  color: var(--navy-200);
}

.faq-item__answer p + p {
  margin-top: var(--space-4);
}

.faq-item__answer a {
  color: var(--gold-300);
  text-decoration: underline;
  text-underline-offset: 3px;
}

/* Smooth open/close where supported (progressive enhancement) */
@supports (interpolate-size: allow-keywords) {
  .faq-item {
    interpolate-size: allow-keywords;
  }

  .faq-item::details-content {
    height: 0;
    overflow: hidden;
    transition: height var(--duration) var(--ease-out), content-visibility var(--duration) allow-discrete;
  }

  .faq-item[open]::details-content {
    height: auto;
  }
}


/* ==========================================================================
   Footer — components/footer.html
   ========================================================================== */
.site-footer {
  background-color: var(--navy-950);
  color: var(--navy-200);
}

.footer__top {
  display: grid;
  grid-template-columns: minmax(0, 2fr) minmax(0, 3fr) minmax(0, 3fr) minmax(0, 4fr);
  gap: var(--space-9) var(--space-7);
  padding-block: var(--space-10) var(--space-9);
}

.footer__brand {
  align-self: start;
}

.footer__heading {
  margin-bottom: var(--space-5);
  font-size: 1.375rem;
  color: var(--white);
}

.footer__links {
  display: grid;
  gap: var(--space-3);
  font-size: var(--text-sm);
}

.footer__links a,
.footer__contact a,
.footer__credit {
  transition: color var(--duration-fast) var(--ease-out);
}

.footer__links a:hover,
.footer__contact a:hover,
.footer__credit:hover {
  color: var(--gold-300);
}

.footer__contact {
  display: grid;
  gap: var(--space-4);
  font-size: var(--text-sm);
  font-style: normal;
}

.footer__contact a {
  display: inline-flex;
  align-items: flex-start;
  gap: var(--space-3);
}

.footer__col .social {
  margin-top: var(--space-6);
}

.footer__contact svg {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 0.15em;
  color: var(--gold-500);
}

.footer__bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-3) var(--space-6);
  padding-block: var(--space-6);
  border-top: 1px solid var(--color-line-dark);
  font-size: var(--text-xs);
  color: var(--navy-300);
  letter-spacing: 0.02em;
}

@media (max-width: 960px) {
  .footer__top {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer__brand {
    grid-column: 1 / -1;
  }
}

@media (max-width: 560px) {
  .footer__top {
    grid-template-columns: 1fr;
  }
}