/* ==========================================================================
   Chong Pow Keong — Insurance & Protection
   Personal-brand stylesheet. Plain CSS, no framework.

   Global palette is neutral (ink / cream / white / gold).
   SKL maroon is used ONLY inside .theme-skl areas.
   SB red/yellow is used ONLY inside .theme-sb areas.
   ========================================================================== */

:root {
  --ink: #1f2328;
  --ink-2: #2e343b;
  --ink-soft: #3b424a;
  --cream: #f7f3ec;
  --cream-deep: #efe8dc;
  --white: #ffffff;
  --gold: #b08d4f;
  --gold-text: #8a6a33;      /* gold dark enough for small text on light backgrounds */
  --gold-soft: #e9dcc0;
  --line: #e4ddd1;
  --muted: #5d636b;

  --skl: #79070f;            /* SKL Wealth Management — only in .theme-skl */
  --skl-soft: #f6eaea;
  --sb: #d41b21;             /* SB Management — only in .theme-sb */
  --sb-yellow: #edb14d;
  --sb-soft: #fdf1e8;

  --success: #1f6b45; --success-bg: #e8f4ec;
  --error: #9b1c1c;   --error-bg: #fbeaea;
  --info-ink: #6b4e12; --info-bg: #fbf3e2;

  --font-serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial,
               "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "Noto Sans SC", sans-serif;
  --font-zh: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "Noto Sans SC",
             "Source Han Sans SC", -apple-system, "Segoe UI", sans-serif;

  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 1px 2px rgba(31, 35, 40, 0.05), 0 10px 28px rgba(31, 35, 40, 0.07);
  --container: 1140px;
  --header-h: 76px;
}

/* ---------- Language switching ---------------------------------------------
   Bilingual text is written twice: <span data-l="en">…</span><span data-l="zh">…</span>
   <html data-lang="en|zh"> decides which one is visible.                     */
html[data-lang="en"] [data-l="zh"],
html[data-lang="zh"] [data-l="en"] { display: none !important; }
[data-l="zh"] { font-family: var(--font-zh); }

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
.nb { display: inline-block; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; font-family: var(--font-sans); font-size: 17px; line-height: 1.7;
  color: var(--ink); background: var(--white); -webkit-font-smoothing: antialiased;
}
html[data-lang="zh"] body { font-family: var(--font-zh); line-height: 1.8; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--ink); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--gold-text); }
p { margin: 0 0 1em; }
h1, h2, h3 { color: var(--ink); line-height: 1.22; margin: 0 0 0.5em; text-wrap: balance; }
h1, h2 { font-family: var(--font-serif); font-weight: 600; }
h1 [data-l="zh"], h2 [data-l="zh"] { font-family: var(--font-zh); font-weight: 700; letter-spacing: 0.02em; }
h1 { font-size: clamp(2.05rem, 4.4vw, 3.25rem); }
h2 { font-size: clamp(1.65rem, 3vw, 2.25rem); }
h3 { font-size: 1.15rem; font-weight: 700; }
.lead, .biz-desc, .card p { text-wrap: pretty; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.section { padding: 88px 0; }
.section--cream { background: var(--cream); }
.section--tight { padding: 64px 0; }
.eyebrow {
  display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.16em;
  text-transform: uppercase; color: var(--gold-text); margin-bottom: 14px;
}
html[data-lang="zh"] .eyebrow { letter-spacing: 0.2em; font-size: 0.86rem; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 660px; }
.section-head { max-width: 700px; margin-bottom: 44px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .lead { margin-left: auto; margin-right: auto; }
.rule { width: 56px; height: 3px; background: var(--gold); border: 0; margin: 0 0 22px; }
.center .rule { margin-left: auto; margin-right: auto; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--white); padding: 8px 14px; z-index: 100; }
.skip-link:focus { left: 8px; }
.sr-only { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 50px; padding: 12px 26px; border-radius: 999px; border: 2px solid transparent;
  font: inherit; font-weight: 600; font-size: 1rem; line-height: 1.2; text-decoration: none; cursor: pointer;
  transition: background-color .2s ease, color .2s ease, border-color .2s ease;
}
.btn--primary { background: var(--ink); color: var(--white); }
.btn--primary:hover { background: var(--ink-soft); color: var(--white); }
.btn--outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn--outline:hover { background: var(--ink); color: var(--white); }
.btn--gold { background: var(--gold); color: var(--white); }
.btn--gold:hover { background: #9a7a41; color: var(--white); }
.btn--light { background: var(--white); color: var(--ink); }
.btn--light:hover { background: var(--cream); color: var(--ink); }
.btn--ghost-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.65); }
.btn--ghost-light:hover { background: rgba(255,255,255,0.1); color: var(--white); border-color: var(--white); }
.btn--whatsapp { background: #1f7a4d; color: var(--white); }
.btn--whatsapp:hover { background: #17603c; color: var(--white); }
.btn[disabled] { opacity: .65; cursor: wait; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }
.btn svg { width: 20px; height: 20px; flex: none; }
.text-link { font-weight: 600; text-decoration: none; border-bottom: 1px solid var(--gold); padding-bottom: 2px; }
.text-link:hover { color: var(--gold-text); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,0.97);
  backdrop-filter: saturate(160%) blur(8px); border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 20px; min-height: var(--header-h); }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); flex: none; }
.brand img { width: 42px; height: 42px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-serif); font-weight: 700; font-size: 1.28rem; letter-spacing: 0.01em; }
.brand-tag { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-text); margin-top: 4px; }
.brand:hover { color: var(--ink); }
.main-nav { margin-left: auto; }
.main-nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 2px; }
.main-nav a {
  display: block; padding: 10px 11px; border-radius: 8px; white-space: nowrap;
  color: var(--ink); text-decoration: none; font-weight: 600; font-size: 0.95rem;
}
.main-nav a:hover { background: var(--cream); color: var(--ink); }
.main-nav a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }

.lang-switch { display: flex; align-items: center; border: 1px solid var(--line); border-radius: 999px; padding: 3px; flex: none; }
.lang-switch button {
  font: inherit; font-size: 0.88rem; font-weight: 600; border: 0; background: transparent; color: var(--muted);
  min-width: 46px; min-height: 36px; padding: 4px 11px; border-radius: 999px; cursor: pointer;
}
.lang-switch button[aria-pressed="true"] { background: var(--ink); color: var(--white); }
.lang-switch button:not([aria-pressed="true"]):hover { color: var(--ink); }

.nav-toggle {
  display: none; width: 48px; height: 48px; border: 1px solid var(--line); border-radius: 10px;
  background: var(--white); cursor: pointer; align-items: center; justify-content: center; flex: none;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  display: block; width: 22px; height: 2px; background: var(--ink); position: relative; content: "";
  transition: transform .2s ease, background-color .2s ease;
}
.nav-toggle span::before { position: absolute; top: -7px; }
.nav-toggle span::after { position: absolute; top: 7px; }
.nav-open .nav-toggle span { background: transparent; }
.nav-open .nav-toggle span::before { transform: translateY(7px) rotate(45deg); }
.nav-open .nav-toggle span::after { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero (home) ---------- */
.hero { background: var(--cream); overflow: hidden; }
.hero-inner { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; padding: 72px 20px 80px; }
.hero-name { font-family: var(--font-serif); font-weight: 700; letter-spacing: 0.14em; font-size: 0.95rem; color: var(--gold-text); margin-bottom: 18px; display: block; }
.hero h1 { margin-bottom: 20px; }
.hero .lead { margin-bottom: 32px; font-size: 1.18rem; }
.portrait-frame { position: relative; max-width: 440px; margin-left: auto; }
.portrait-frame::before {
  content: ""; position: absolute; inset: 22px -18px -18px 22px; border: 2px solid var(--gold-soft); border-radius: 18px;
}
.portrait-frame img { position: relative; border-radius: 16px; width: 100%; box-shadow: var(--shadow); background: #eee; }
.portrait-caption {
  position: absolute; left: -24px; bottom: 28px; background: var(--white); border-radius: 12px; box-shadow: var(--shadow);
  padding: 12px 18px; line-height: 1.3;
}
.portrait-caption strong { display: block; font-family: var(--font-serif); font-size: 1.05rem; }
.portrait-caption span { font-size: 0.78rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-text); font-weight: 700; }

/* Page hero (inner pages) */
.page-hero { background: var(--cream); padding: 64px 0 60px; border-bottom: 1px solid var(--line); }
.page-hero .lead { margin-bottom: 0; }
.page-hero--split .container { display: grid; grid-template-columns: 1.3fr 0.7fr; gap: 48px; align-items: center; }
.page-hero--split .portrait-frame { max-width: 300px; }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 24px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; display: flex; flex-direction: column; }
.card p { color: var(--muted); margin-bottom: 0; }
.card .icon {
  width: 52px; height: 52px; border-radius: 12px; background: var(--cream); color: var(--ink);
  display: grid; place-items: center; margin-bottom: 18px; flex: none;
}
.card .icon svg { width: 26px; height: 26px; }
.card-link { margin-top: auto; padding-top: 18px; font-weight: 600; text-decoration: none; }
.card-link:hover { text-decoration: underline; }
.service-card h3 { font-size: 1.22rem; margin-bottom: 10px; }
.service-card .label { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold-text); margin: 16px 0 4px; }
.service-card { scroll-margin-top: calc(var(--header-h) + 20px); }
.note {
  background: var(--cream); border-left: 3px solid var(--gold); border-radius: var(--radius-sm);
  padding: 16px 20px; color: var(--muted); font-size: 0.95rem; margin-top: 36px;
}
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }

.why-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px 44px; list-style: none; padding: 0; margin: 0; }
.why-list li { display: flex; gap: 16px; align-items: flex-start; }
.why-list .tick { flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--ink); color: var(--gold-soft); display: grid; place-items: center; margin-top: 2px; }
.why-list .tick svg { width: 16px; height: 16px; }
.why-list strong { display: block; }
.why-list p { color: var(--muted); margin: 2px 0 0; font-size: 0.97rem; }

.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.step { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; counter-increment: step; }
.step::before {
  content: counter(step); display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%;
  background: var(--ink); color: var(--gold-soft); font-weight: 700; margin-bottom: 14px;
}
.step p { color: var(--muted); margin: 0; font-size: 0.96rem; }

.facts { width: 100%; border-collapse: collapse; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.facts th, .facts td { text-align: left; padding: 15px 20px; border-bottom: 1px solid var(--line); vertical-align: top; }
.facts tr:last-child th, .facts tr:last-child td { border-bottom: 0; }
.facts th { width: 36%; color: var(--muted); font-weight: 600; background: var(--cream); font-size: 0.94rem; }
.facts td { font-weight: 600; }

/* ---------- Business areas (SKL / SB) ---------- */
.areas-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.area {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 34px;
  display: flex; flex-direction: column; box-shadow: var(--shadow); border-top: 4px solid var(--ink);
}
.area-kicker { font-size: 0.8rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin: 0 0 6px; }
.area h3 { font-family: var(--font-serif); font-size: 1.7rem; margin-bottom: 6px; }
.area-through { display: flex; align-items: center; gap: 12px; margin: 6px 0 16px; font-size: 0.95rem; color: var(--muted); }
.area-through img { height: 40px; width: auto; }
.theme-sb .area-through img { height: 48px; }
.check-list { list-style: none; padding: 0; margin: 0 0 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 8px 18px; }
.check-list li { position: relative; padding-left: 24px; font-size: 0.97rem; line-height: 1.45; }
.check-list li::before {
  content: ""; position: absolute; left: 2px; top: 0.35em; width: 12px; height: 7px;
  border-left: 2px solid var(--ink); border-bottom: 2px solid var(--ink); transform: rotate(-45deg);
}
.area .btn { align-self: flex-start; margin-top: auto; }
.reg { margin: 20px 0 0; padding-top: 14px; border-top: 1px solid var(--line); font-size: 0.88rem; color: var(--muted); line-height: 1.6; }
.reg strong { color: var(--ink); }

/* Theme scopes — company colours stay inside their own areas */
.theme-skl { border-top-color: var(--skl) !important; }
.theme-skl .check-list li::before { border-color: var(--skl); }
.theme-skl .area-kicker, .theme-skl .label { color: var(--skl) !important; }
.theme-skl .btn--brand { background: var(--skl); color: var(--white); }
.theme-skl .btn--brand:hover { background: #56060d; color: var(--white); }
.theme-skl .icon { background: var(--skl-soft) !important; color: var(--skl) !important; }
.theme-sb { border-top-color: var(--sb) !important; }
.theme-sb .check-list li::before { border-color: var(--sb); }
.theme-sb .area-kicker, .theme-sb .label { color: #b3161b !important; }
.theme-sb .btn--brand { background: #b3161b; color: var(--white); }
.theme-sb .btn--brand:hover { background: #8f1115; color: var(--white); }
.theme-sb .icon { background: var(--sb-soft) !important; color: #b3161b !important; }

/* Business identity banner on Life / General pages */
.biz-banner {
  display: grid; grid-template-columns: auto 1fr; gap: 28px; align-items: center;
  background: var(--white); border: 1px solid var(--line); border-left: 5px solid var(--ink);
  border-radius: var(--radius); padding: 24px 28px; margin-bottom: 44px;
}
.biz-banner.theme-skl { border-left-color: var(--skl); }
.biz-banner.theme-sb { border-left-color: var(--sb); }
.biz-banner img { max-height: 72px; width: auto; }
.biz-banner p { margin: 0; color: var(--muted); }
.biz-banner strong { color: var(--ink); font-size: 1.1rem; }

/* Agencies (equal cards) */
.agency-tree { text-align: center; margin-bottom: 8px; }
.owner-node {
  display: inline-flex; align-items: center; gap: 14px; background: var(--ink); color: var(--white);
  border-radius: 14px; padding: 12px 22px 12px 12px; text-align: left;
}
.owner-node img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; border: 2px solid var(--gold-soft); }
.owner-node strong { display: block; font-family: var(--font-serif); font-size: 1.2rem; }
.owner-node span { font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold-soft); }
.tree-lines { position: relative; height: 40px; margin: 0 24%; }
.tree-lines::before { content: ""; position: absolute; left: 50%; top: 0; width: 2px; height: 20px; background: var(--gold); }
.tree-lines span { position: absolute; left: 0; right: 0; top: 19px; height: 21px; border: 2px solid var(--gold); border-bottom: 0; border-radius: 6px 6px 0 0; }
.agency-card .agency-logo { height: 96px; display: flex; align-items: center; margin-bottom: 14px; }
.agency-card .agency-logo img { max-height: 84px; width: auto; }
.theme-sb .agency-logo img { max-height: 96px; }
.statement {
  max-width: 820px; margin: 40px auto 0; text-align: center; background: var(--cream); border-radius: var(--radius);
  padding: 22px 26px; color: var(--ink-2);
}

/* Insurance companies (text only) */
.insurers { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.insurers li {
  background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 18px 20px;
  font-weight: 600; text-align: center; display: grid; place-items: center; min-height: 72px;
}
.insurers-note { text-align: center; color: var(--muted); font-size: 0.88rem; margin: 22px auto 0; max-width: 640px; }

/* Meet / contact strip with avatar */
.person-strip { display: grid; grid-template-columns: auto 1fr auto; gap: 28px; align-items: center; }
.avatar { width: 112px; height: 112px; border-radius: 50%; object-fit: cover; border: 4px solid var(--white); box-shadow: 0 0 0 1px var(--line), var(--shadow); }
.avatar--lg { width: 132px; height: 132px; }
.person-strip h2 { margin-bottom: 6px; }
.person-strip p { margin: 0; color: var(--muted); }
.contact-quick { list-style: none; margin: 10px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 6px 22px; }
.contact-quick a { font-weight: 600; text-decoration: none; }

/* CTA band */
.cta-band { background: var(--cream-deep); color: var(--ink); padding: 72px 0; border-top: 1px solid var(--line); }
.cta-band h2 { color: var(--ink); }
.cta-band p { color: var(--muted); max-width: 620px; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }

/* ---------- Contact page ---------- */
.contact-grid {
  display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 24px 40px; align-items: start;
  grid-template-areas: "info form" "qr form";
}
.area-info { grid-area: info; } .area-form { grid-area: form; } .area-qr { grid-area: qr; }
.panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; }
.person-card { display: flex; gap: 18px; align-items: center; margin-bottom: 18px; }
.person-card .avatar { width: 84px; height: 84px; }
.person-card h2 { font-size: 1.5rem; margin: 0; }
.person-card p { margin: 0; color: var(--gold-text); font-weight: 700; font-size: 0.78rem; letter-spacing: 0.12em; text-transform: uppercase; }
.contact-list { list-style: none; margin: 0 0 22px; padding: 0; }
.contact-list li { display: flex; gap: 14px; padding: 12px 0; border-bottom: 1px solid var(--line); }
.contact-list li:last-child { border-bottom: 0; }
.contact-list .k { color: var(--muted); font-size: 0.9rem; min-width: 112px; flex: none; }
.contact-list .v { font-weight: 600; word-break: break-word; }
.contact-list .v small { display: block; font-weight: 400; color: var(--muted); }

.form-row { margin-bottom: 18px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
label.field-label { display: block; font-weight: 600; font-size: 0.95rem; margin-bottom: 6px; }
.req { color: var(--error); }
.optional { color: var(--muted); font-weight: 400; font-size: 0.85rem; }
input[type="text"], input[type="tel"], input[type="email"], select, textarea {
  width: 100%; font: inherit; font-size: 16px; color: var(--ink); background: var(--white);
  border: 1.5px solid #d6cfc3; border-radius: 10px; padding: 12px 14px; min-height: 50px;
  transition: border-color .15s ease, box-shadow .15s ease;
}
textarea { min-height: 130px; resize: vertical; }
select {
  appearance: none; -webkit-appearance: none; padding-right: 40px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231f2328' stroke-width='2' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--ink); box-shadow: 0 0 0 3px rgba(176, 141, 79, 0.25); }
.is-invalid { border-color: var(--error) !important; }
.field-error { color: var(--error); font-size: 0.88rem; margin-top: 6px; }
.field-error:empty { display: none; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: 0.95rem; color: var(--muted); cursor: pointer; }
.consent input { width: 20px; height: 20px; margin-top: 4px; accent-color: var(--ink); flex: none; }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { border-radius: 10px; padding: 14px 16px; margin-top: 18px; font-size: 0.97rem; }
.form-status.success { background: var(--success-bg); color: var(--success); }
.form-status.error { background: var(--error-bg); color: var(--error); }
.form-status.info { background: var(--info-bg); color: var(--info-ink); }

/* QR */
.qr-box { text-align: center; }
.qr-frame { display: inline-block; background: #ffffff; padding: 14px; border-radius: 12px; border: 1px solid var(--line); margin: 6px auto 14px; }
.qr-frame canvas { display: block; width: 220px; height: 220px; image-rendering: pixelated; }
.qr-url { font-size: 0.9rem; color: var(--muted); word-break: break-all; margin-bottom: 14px; }
.qr-note { font-size: 0.85rem; color: var(--info-ink); background: var(--info-bg); border-radius: 8px; padding: 10px 12px; margin-top: 14px; text-align: left; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #d7dadf; padding: 64px 0 28px; font-size: 0.94rem; }
.site-footer a { color: #eef0f2; text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.footer-top { display: flex; align-items: center; gap: 14px; padding-bottom: 30px; margin-bottom: 34px; border-bottom: 1px solid rgba(255,255,255,0.12); }
.footer-top img { width: 46px; height: 46px; }
.footer-top strong { display: block; font-family: var(--font-serif); font-size: 1.45rem; color: var(--white); line-height: 1.2; }
.footer-top span { font-size: 0.74rem; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-soft); font-weight: 700; }
.footer-grid { display: grid; grid-template-columns: 1.15fr 1.15fr 0.8fr 1.2fr; gap: 36px; }
.site-footer h3 { color: var(--white); font-size: 0.95rem; letter-spacing: 0.06em; margin-bottom: 12px; }
.footer-biz h3 { font-size: 1.02rem; letter-spacing: 0; }
.footer-biz p { margin: 0 0 6px; color: #b9bec5; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 8px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12); margin-top: 40px; padding-top: 22px;
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; color: #a7adb5; font-size: 0.86rem;
}
.footer-legal { display: flex; gap: 18px; flex-wrap: wrap; }
.link-button { background: none; border: 0; padding: 0; font: inherit; color: #eef0f2; cursor: pointer; }
.link-button:hover { text-decoration: underline; color: var(--white); }
.link-button--dark { color: var(--ink); text-decoration: underline; }

/* Placeholder dialogs (Privacy Policy / Disclaimer) */
dialog.legal { border: 0; border-radius: var(--radius); padding: 0; max-width: 560px; width: calc(100% - 32px); box-shadow: 0 20px 60px rgba(0,0,0,0.25); color: var(--ink); }
dialog.legal::backdrop { background: rgba(20, 22, 26, 0.55); }
.legal-body { padding: 30px; }
.legal-body h2 { font-size: 1.5rem; }
.legal-body .tbc { background: var(--info-bg); color: var(--info-ink); padding: 12px 14px; border-radius: 8px; font-weight: 600; }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  :root { --header-h: 68px; }
  .nav-toggle { display: inline-flex; }
  .lang-switch { margin-left: auto; }
  .main-nav {
    position: absolute; top: 100%; left: 0; right: 0; margin: 0; background: var(--white);
    border-bottom: 1px solid var(--line); box-shadow: 0 12px 24px rgba(31,35,40,0.08); display: none;
  }
  .nav-open .main-nav { display: block; }
  .main-nav ul { flex-direction: column; gap: 0; padding: 8px 12px 16px; max-width: var(--container); margin: 0 auto; }
  .main-nav a { padding: 14px 12px; font-size: 1.05rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .main-nav li:last-child a { border-bottom: 0; }
  .main-nav a[aria-current="page"] { box-shadow: inset 3px 0 0 var(--gold); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; gap: 44px; padding: 56px 20px 72px; }
  .portrait-frame { margin: 0 auto; max-width: 380px; }
  .page-hero--split .container { grid-template-columns: 1fr; }
  .page-hero--split .portrait-frame { margin: 8px 0 0; max-width: 260px; }
  .grid-3, .insurers { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; grid-template-areas: "info" "form" "qr"; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .person-strip { grid-template-columns: auto 1fr; }
  .person-strip .btn-row { grid-column: 1 / -1; }
}
@media (max-width: 760px) {
  .areas-grid, .grid-2 { grid-template-columns: 1fr; }
  .biz-banner { grid-template-columns: 1fr; gap: 14px; }
  .tree-lines { margin: 0 22%; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .section { padding: 64px 0; }
  .grid-3, .why-list, .form-grid, .check-list, .insurers, .steps-grid { grid-template-columns: 1fr; }
  .btn-row .btn { flex: 1 1 100%; }
  .card, .panel, .area { padding: 24px 20px; }
  .portrait-caption { left: 12px; bottom: 14px; }
  .portrait-frame::before { inset: 14px -10px -10px 14px; }
  .facts th, .facts td { display: block; width: 100%; }
  .facts th { border-bottom: 0; padding-bottom: 4px; }
  .facts td { padding-top: 4px; }
  .footer-grid { grid-template-columns: 1fr; }
  .contact-list li { flex-direction: column; gap: 2px; }
  .cta-inner .btn-row { width: 100%; }
  .person-strip { grid-template-columns: 1fr; text-align: center; justify-items: center; }
  .contact-quick { justify-content: center; }
  .area .btn { align-self: stretch; }
  .owner-node { padding-right: 16px; }
}
@media (max-width: 400px) {
  .brand-name { font-size: 1.08rem; }
  .brand-tag { font-size: 0.6rem; letter-spacing: 0.12em; }
  .brand img { width: 36px; height: 36px; }
  .header-inner { gap: 10px; }
  .lang-switch button { min-width: 40px; padding: 4px 8px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }

/* ---------- Insurance companies (official logos, grouped) ----------
   Logos keep their original proportions: each sits in a fixed-height box
   and is scaled with max-height / max-width only (never stretched).     */
.insurer-groups { display: grid; gap: 28px; }
.insurer-group { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 28px 28px; }
.ig-head { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; flex-wrap: wrap; margin-bottom: 18px; padding-bottom: 12px; border-bottom: 1px solid var(--line); }
.ig-head h3 { margin: 0; font-size: 1.15rem; }
.ig-head span { font-size: 0.82rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.insurer-grid { display: grid; gap: 16px; }
.insurer-grid--life { grid-template-columns: minmax(0, 260px); }
.insurer-grid--general { grid-template-columns: repeat(5, minmax(0, 1fr)); }
.insurer { margin: 0; background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 18px 16px 14px; text-align: center; display: flex; flex-direction: column; align-items: center; }
.insurer-logo { height: 64px; width: 100%; display: flex; align-items: center; justify-content: center; }
.insurer-logo img { max-height: var(--logo-h, 46px); max-width: 100%; width: auto; height: auto; object-fit: contain; }
.insurer figcaption { margin-top: 12px; font-size: 0.86rem; font-weight: 600; line-height: 1.35; color: var(--ink-2); }
.insurer-missing { display: none; margin: 0; font-size: 0.72rem; color: var(--info-ink); background: var(--info-bg); border-radius: 6px; padding: 6px 8px; line-height: 1.4; }
.insurer-missing code { font-size: 0.7rem; word-break: break-all; }
.insurer.is-missing .insurer-logo { display: none; }
.insurer.is-missing .insurer-missing { display: block; margin-bottom: 4px; }
/* per-logo optical height (wide, thin wordmarks need less height to look balanced) */
.insurer[data-insurer="chubb"] .insurer-logo img { --logo-h: 22px; }
.insurer[data-insurer="generali"] .insurer-logo img { --logo-h: 26px; }
.insurer[data-insurer="rhb"] .insurer-logo img { --logo-h: 30px; }
.insurer[data-insurer="lonpac"] .insurer-logo img { --logo-h: 40px; }
.insurer[data-insurer="zurich"] .insurer-logo img { --logo-h: 42px; }
.insurers-note { text-align: center; color: var(--muted); font-size: 0.86rem; margin: 22px auto 0; max-width: 720px; }

/* smaller logos inside the My Agencies cards (agency identity stays dominant) */
.mini-insurers { margin: 18px 0 22px; padding-top: 14px; border-top: 1px solid var(--line); }
.mini-label { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin: 0 0 10px; }
.insurer-grid--mini { grid-template-columns: repeat(auto-fill, minmax(130px, 1fr)); gap: 10px; }
.insurer--sm { padding: 10px 10px 8px; }
.insurer--sm .insurer-logo { height: 38px; }
.insurer--sm .insurer-logo img { max-height: calc(var(--logo-h, 46px) * 0.6); }
.insurer--sm figcaption { font-size: 0.74rem; margin-top: 6px; font-weight: 500; }

@media (max-width: 1100px) { .insurer-grid--general { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (max-width: 640px) {
  .insurer-group { padding: 20px 16px; }
  .insurer-grid--general, .insurer-grid--life { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .insurer-grid--life .insurer { grid-column: 1 / -1; }
}
@media (max-width: 360px) { .insurer-grid--general { grid-template-columns: 1fr; } }