/* ============================================================
   Atur - AturBKI · Studio 42 build v2 "Premium"
   Palette from logo: #004AAD royal blue · #F8DD6A warm yellow
   Batik-inspired backgrounds in shades of white (discreet,
   stitch-dashed strokes - see assets/batik-*.svg)
   ============================================================ */

:root {
  --blue: #004AAD;
  --blue-deep: #003A88;
  --navy: #0A1E42;
  --navy-2: #12294F;
  --ink: #26324B;
  --muted: #63718D;
  --yellow: #F8DD6A;
  --yellow-deep: #E9BE2E;
  --white: #FFFFFF;
  --white-warm: #FBFCFE;
  --white-soft: #F6F8FB;
  --white-sky: #F1F5FA;
  --green: #17A24E;
  --green-deep: #12873F;
  --line: #E7EBF2;
  --line-soft: #EFF2F7;
  --radius: 18px;
  --radius-btn: 12px;
  --shadow-xs: 0 1px 2px rgba(10, 30, 66, .05);
  --shadow-sm: 0 2px 12px rgba(10, 30, 66, .05);
  --shadow-md: 0 14px 40px rgba(10, 30, 66, .09);
  --shadow-lg: 0 24px 70px rgba(0, 74, 173, .14);
  --font-head: "Manrope", system-ui, sans-serif;
  --font-body: "Inter", system-ui, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.7;
  font-size: 16.5px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: none; }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--navy); line-height: 1.12; font-weight: 800; letter-spacing: -.02em; }
h1 { font-size: clamp(2.5rem, 5.6vw, 4rem); }
h2 { font-size: clamp(1.9rem, 4vw, 2.75rem); }
h3 { font-size: 1.28rem; letter-spacing: -.01em; }

.section { padding: clamp(2.9rem, 6vw, 4.4rem) 0; background-color: var(--white); }
.container { width: min(1140px, 90%); margin: 0 auto; }

/* --- Batik layers · shades of white, discreet --- */
.section { background-image: url("../assets/batik-kawung.svg"); background-size: 180px 180px; }
.section.alt { background-color: var(--white-soft); background-image: url("../assets/batik-parang.svg"); background-size: 240px 240px; }
.section.sky { background-color: var(--white-sky); background-image: url("../assets/batik-kawung.svg"); background-size: 180px 180px; }
.hero, .page-hero {
  background-color: var(--white-warm);
  background-image: url("../assets/batik-medallion.svg"), url("../assets/batik-parang.svg");
  background-repeat: no-repeat, repeat;
  background-position: right -180px top -180px, 0 0;
  background-size: 640px 640px, 240px 240px;
}

.eyebrow {
  display: inline-flex; align-items: center; gap: .8rem;
  font-family: var(--font-head);
  font-weight: 800; font-size: .74rem; letter-spacing: .22em; text-transform: uppercase;
  color: var(--blue); margin-bottom: .8rem;
}
.eyebrow::before { content: ""; width: 34px; height: 2px; background: var(--yellow-deep); border-radius: 2px; }
.center .eyebrow::after { content: ""; width: 34px; height: 2px; background: var(--yellow-deep); border-radius: 2px; }
.lead { font-size: 1.14rem; color: var(--muted); max-width: 62ch; line-height: 1.75; }
.center { text-align: center; }
.center .lead { margin-inline: auto; }
.center h2 { max-width: 24ch; margin-inline: auto; }
.center h2 + .lead, .center .lead { margin-top: .65rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .6rem;
  font-family: var(--font-head); font-weight: 800; font-size: .99rem; letter-spacing: .01em;
  padding: 1.02rem 1.9rem; border-radius: var(--radius-btn); border: 0; cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, border-color .18s;
  white-space: nowrap;
}
.btn:active { transform: scale(.98); }
.btn-wa { background: var(--green); color: #fff; box-shadow: 0 6px 18px rgba(23, 162, 78, .28); }
.btn-wa:hover { background: var(--green-deep); transform: translateY(-2px); box-shadow: 0 10px 26px rgba(23, 162, 78, .34); }
.btn-yellow { background: var(--yellow); color: var(--navy); box-shadow: 0 6px 18px rgba(233, 190, 46, .3); }
.btn-yellow:hover { background: #F5D44D; transform: translateY(-2px); }
.btn-ghost { background: #fff; color: var(--navy); border: 1.5px solid var(--line); box-shadow: var(--shadow-xs); }
.btn-ghost:hover { border-color: var(--blue); color: var(--blue); transform: translateY(-2px); }
.btn-blue { background: var(--blue); color: #fff; box-shadow: 0 6px 18px rgba(0, 74, 173, .26); }
.btn-blue:hover { background: var(--blue-deep); transform: translateY(-2px); }
.btn svg { flex: 0 0 auto; }

/* ---------- Header ---------- */
.topbar {
  background: var(--navy); color: #B9C7E4; font-size: .8rem; letter-spacing: .01em;
  padding: .55rem 0; text-align: center;
}
.topbar b { color: var(--yellow); font-weight: 600; }
header.site {
  position: sticky; top: 0; z-index: 60;
  background: rgba(255, 255, 255, .94); backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line-soft);
  transition: box-shadow .25s ease;
}
header.site.scrolled { box-shadow: 0 6px 24px rgba(10, 30, 66, .07); }
.nav {
  display: flex; align-items: center; justify-content: space-between;
  height: 82px; gap: 1.2rem;
}
.brand { display: flex; align-items: center; gap: .6rem; }
.brand img { height: 42px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 2.1rem; list-style: none; }
.nav-links a { color: var(--ink); font-weight: 600; font-size: .93rem; position: relative; padding: .35rem 0; letter-spacing: .01em; }
.nav-links a::after {
  content: ""; position: absolute; left: 0; bottom: -4px; height: 2.5px; width: 0;
  background: var(--yellow-deep); border-radius: 3px; transition: width .22s ease;
}
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-links a.active { color: var(--blue); }
.nav .btn { padding: .72rem 1.4rem; font-size: .9rem; }
.hamburger { display: none; background: none; border: 0; cursor: pointer; padding: .4rem; }
.hamburger span { display: block; width: 24px; height: 2.5px; background: var(--navy); margin: 5.5px 0; border-radius: 3px; transition: .25s; }
.mobile-menu {
  display: none; position: fixed; inset: 82px 0 0 0; background: #fff; z-index: 55;
  padding: 2.2rem 6%; flex-direction: column; gap: .4rem;
  background-image: url("../assets/batik-kawung.svg"); background-size: 180px 180px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-family: var(--font-head); font-size: 1.35rem; font-weight: 800; color: var(--navy);
  padding: .95rem 0; border-bottom: 1px solid var(--line-soft);
}
.mobile-menu .btn { margin-top: 1.6rem; }

/* ---------- Hero ---------- */
.hero { overflow: hidden; position: relative; }
.hero-grid {
  display: grid; grid-template-columns: .92fr 1.08fr; gap: clamp(2.2rem, 4vw, 3.6rem); align-items: center;
  padding: clamp(2.4rem, 4.5vw, 3.6rem) 0 clamp(2.6rem, 5vw, 4rem);
}
.hero .kicker {
  display: inline-flex; align-items: center; gap: .55rem; background: #fff;
  border: 1px solid var(--line); box-shadow: var(--shadow-xs);
  padding: .45rem 1rem; border-radius: 99px; font-size: .8rem; font-weight: 600; color: var(--navy);
  margin-bottom: 1.1rem; letter-spacing: .01em;
}
.hero .kicker .dot { width: 8px; height: 8px; background: var(--green); border-radius: 50%; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100% { box-shadow: 0 0 0 0 rgba(23,162,78,.45);} 55% { box-shadow: 0 0 0 7px rgba(23,162,78,0);} }
.hero h1 { max-width: 17ch; font-size: clamp(1.9rem, 3.9vw, 2.85rem); }
.hero h1 .y { position: relative; white-space: nowrap; }
.hero h1 .y::after {
  content: ""; position: absolute; left: -1%; bottom: 7%; width: 102%; height: 26%;
  background: var(--yellow); z-index: -1; border-radius: 4px; opacity: .9;
}
.hero p.lead { margin: 1.1rem 0 0; }

/* quote bar - the American-insurer touch */
.quote-bar {
  display: flex; gap: .6rem; background: #fff; border: 1px solid var(--line);
  border-radius: 16px; padding: .55rem; box-shadow: var(--shadow-md);
  max-width: 560px;
}
.quote-bar input {
  flex: 1; border: 0; outline: none; font-family: var(--font-body); font-size: .98rem;
  padding: .65rem 1rem; color: var(--ink); background: transparent; min-width: 0;
}
.quote-bar input::placeholder { color: #9AA6BD; }
.quote-bar .btn { padding: .85rem 1.5rem; border-radius: 11px; }
.hero-sub-ctas {
  display: flex; gap: 1.6rem; align-items: center; margin-top: 1.15rem;
  font-size: .9rem; font-weight: 600;
}
.hero-sub-ctas a { color: var(--muted); display: inline-flex; align-items: center; gap: .4rem; transition: color .18s; }
.hero-sub-ctas a:hover { color: var(--blue); }
.trust-line {
  display: flex; flex-wrap: wrap; gap: .7rem 1.6rem; margin-top: 1.5rem;
  padding-top: 1.1rem; border-top: 1px solid var(--line-soft);
  font-size: .86rem; color: var(--muted); font-weight: 600;
}
.trust-line span { display: inline-flex; gap: .5rem; align-items: center; }
.trust-line svg { color: var(--blue); }

/* hero collage - straightened, premium framing */
.hero-visual { position: relative; min-height: 460px; }
.hv-card {
  position: absolute; border-radius: 16px; overflow: hidden;
  box-shadow: var(--shadow-lg); border: 6px solid #fff; background: #fff;
}
.hv-card img { height: 100%; width: 100%; object-fit: cover; }
.hv-1 { width: 56%; aspect-ratio: 4/4.7; left: 3%; top: 3%; transform: rotate(-1.6deg); z-index: 2; }
.hv-2 { width: 45%; aspect-ratio: 4/4.3; right: 1%; top: 18%; transform: rotate(1.4deg); z-index: 3; }
.hv-3 { width: 44%; aspect-ratio: 4/3.3; left: 24%; bottom: 1%; transform: rotate(-.8deg); z-index: 4; }
.hv-sticker {
  position: absolute; z-index: 6; background: var(--navy); color: var(--yellow);
  font-family: var(--font-head); font-weight: 800; letter-spacing: .1em; font-size: .8rem;
  padding: .55rem 1.05rem; border-radius: 10px; transform: rotate(-3deg);
  box-shadow: var(--shadow-md);
}
.hv-sticker.s1 { top: 2%; right: 14%; background: var(--yellow); color: var(--navy); transform: rotate(2.5deg); }
.hv-sticker.s2 { bottom: 9%; left: 5%; }
.hv-blob { display: none; }

/* ---------- Stats band (v2.6 refined, centered) ---------- */
.stats {
  background-color: var(--navy); color: #fff; padding: 0; position: relative;
}
.stats::before {
  content: ""; position: absolute; inset: 0;
  background: url("../assets/batik-parang.svg") repeat; background-size: 240px 240px;
  opacity: .05; pointer-events: none;
}
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); position: relative; padding: 2rem 0 2.1rem; }
.stat { text-align: center; padding: .4rem 1.2rem; border-left: 1px solid rgba(255, 255, 255, .1); }
.stat:first-child { border-left: 0; }
.stat b {
  display: block; font-family: var(--font-head); font-weight: 800;
  font-size: clamp(2rem, 3.6vw, 2.7rem); line-height: 1.05; letter-spacing: -.045em;
  color: #fff; font-variant-numeric: tabular-nums;
}
.stat b i {
  font-style: normal; color: var(--yellow); font-size: .58em; font-weight: 800;
  letter-spacing: -.01em; vertical-align: .12em; margin-left: .06em;
}
.stat .l {
  display: block; margin-top: .5rem; font-family: var(--font-head);
  font-size: .64rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase;
  color: #8FA2C8;
}
.stat .l::before {
  content: ""; display: block; width: 22px; height: 2px; border-radius: 2px;
  background: var(--yellow-deep); margin: 0 auto .55rem; opacity: .85;
}

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; margin-top: 2.2rem; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.9rem 1.7rem 1.7rem; position: relative; box-shadow: var(--shadow-xs);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s;
}
.step:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: #D9E1EE; }
.step .num {
  position: absolute; top: 2.2rem; right: 2rem;
  font-family: var(--font-head); font-weight: 800; font-size: 2.6rem; line-height: 1;
  color: var(--white-sky); -webkit-text-stroke: 1.5px #D8E1F0; letter-spacing: -.03em;
  width: auto; height: auto; background: none; box-shadow: none;
}
.step .icon {
  width: 52px; height: 52px; border-radius: 13px; background: var(--white-sky);
  color: var(--blue); display: grid; place-items: center; margin-bottom: 1rem;
}
.step h3 { margin-bottom: .6rem; }
.step p { font-size: .95rem; color: var(--muted); }

/* ---------- Service cards ---------- */
.cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; margin-top: 2.1rem; }
.svc {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.9rem 1.7rem 1.7rem; display: flex; flex-direction: column; gap: .9rem;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s;
  position: relative; overflow: hidden; box-shadow: var(--shadow-xs);
}
.svc::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--yellow); opacity: 0; transition: opacity .25s; }
.svc:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: #D9E1EE; }
.svc:hover::before { opacity: 1; }
.svc .icon {
  width: 56px; height: 56px; border-radius: 14px; background: var(--blue); color: #fff;
  display: grid; place-items: center; box-shadow: 0 6px 16px rgba(0, 74, 173, .22);
}
.svc.alt .icon { background: var(--yellow); color: var(--navy); box-shadow: 0 6px 16px rgba(233,190,46,.3); }
.svc p { color: var(--muted); font-size: .95rem; flex: 1; }
.svc .link { font-weight: 700; font-size: .92rem; display: inline-flex; align-items: center; gap: .35rem; font-family: var(--font-head); padding: .55rem 0; margin: -.35rem 0; }
.svc .link:hover { gap: .65rem; }
.svc .link::after { content: "→"; transition: inherit; }

/* ---------- Why Atur / compare ---------- */
.compare-wrap {
  background-color: var(--navy); color: #fff; border-radius: 26px;
  padding: clamp(2.1rem, 4.5vw, 3.1rem); position: relative; overflow: hidden;
}
.compare-wrap::before {
  content: ""; position: absolute; inset: 0;
  background: url("../assets/batik-medallion.svg") no-repeat right -220px bottom -220px;
  background-size: 620px 620px; opacity: .07; pointer-events: none;
}
.compare-wrap > * { position: relative; }
.compare-wrap h2 { color: #fff; }
.compare-wrap .lead { color: #A9BBDE; }
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; margin-top: 1.9rem; }
.comp-col { border-radius: var(--radius); padding: 2.2rem 2rem; }
.comp-col.them { background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .1); }
.comp-col.us { background: #fff; color: var(--ink); box-shadow: var(--shadow-lg); }
.comp-col h3 { font-size: 1.08rem; margin-bottom: 1.3rem; display: flex; align-items: center; gap: .5rem; }
.comp-col.them h3 { color: #B9C8E8; }
.comp-col.us h3 { color: var(--blue); }
.comp-col ul { list-style: none; display: grid; gap: .85rem; }
.comp-col li { display: flex; gap: .65rem; font-size: .93rem; align-items: flex-start; }
.comp-col.them li { color: #A9BBDE; }
.comp-col li svg { flex: 0 0 auto; margin-top: .2rem; }
.comp-col.them li svg { color: #5E729D; }
.comp-col.us li svg { color: var(--green); }
.comp-col.us .badge {
  display: inline-block; background: var(--yellow); color: var(--navy); border-radius: 6px;
  font-family: var(--font-head); font-size: .68rem; font-weight: 800; padding: .28rem .75rem; letter-spacing: .16em; margin-bottom: .9rem;
}

/* ---------- Gallery ---------- */
.gallery { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.1rem; margin-top: 2rem; }
.g-item {
  border-radius: 14px; overflow: hidden; position: relative; aspect-ratio: 4/5;
  box-shadow: var(--shadow-sm); cursor: default; border: 4px solid #fff;
}
.g-item img { width: 100%; height: 100%; object-fit: cover; transition: transform .45s ease; }
.g-item:hover img { transform: scale(1.05); }
.g-item figcaption {
  position: absolute; inset: auto 0 0 0; padding: 1.7rem .95rem .8rem;
  background: linear-gradient(transparent, rgba(10, 30, 66, .88));
  color: #fff; font-size: .8rem; font-weight: 600; letter-spacing: .01em;
}
.ig-note { margin-top: 1.1rem; font-size: .87rem; color: var(--muted); text-align: center; }
.ig-note a { font-weight: 700; }

/* ---------- Testimonials ---------- */
.tstm { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; margin-top: 2.1rem; }
.t-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.8rem 1.6rem 1.6rem; box-shadow: var(--shadow-xs); position: relative;
  display: flex; flex-direction: column; gap: 1.1rem;
  transition: transform .25s ease, box-shadow .25s ease;
}
.t-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.t-card .quote-mark { font-family: Georgia, serif; font-size: 3.4rem; line-height: .6; color: var(--yellow-deep); height: 1.6rem; }
.t-card p { font-size: .96rem; color: var(--ink); flex: 1; line-height: 1.72; }
.t-card .who { display: flex; align-items: center; gap: .85rem; padding-top: 1.1rem; border-top: 1px solid var(--line-soft); }
.t-card .avatar {
  width: 42px; height: 42px; border-radius: 50%; background: var(--white-sky);
  color: var(--blue); font-weight: 800; display: grid; place-items: center; font-family: var(--font-head);
}
.t-card .who b { display: block; font-size: .92rem; color: var(--navy); }
.t-card .who span { font-size: .8rem; color: var(--muted); }
.t-card .stars { color: var(--yellow-deep); letter-spacing: 3px; font-size: .9rem; }
.sample-note { text-align: center; font-size: .8rem; color: #93A0B8; margin-top: 1rem; font-style: italic; }

/* ---------- Insurers ---------- */
.insurers { display: flex; flex-wrap: wrap; gap: .7rem; justify-content: center; margin-top: 1.8rem; max-width: 880px; margin-inline: auto; }
.ins-chip {
  background: #fff; border: 1px solid var(--line); border-radius: 10px;
  padding: .8rem 1.5rem; font-weight: 700; font-size: .92rem; color: var(--navy);
  box-shadow: var(--shadow-xs); transition: transform .18s, border-color .18s, box-shadow .18s;
  font-family: var(--font-head); letter-spacing: .01em;
}
.ins-chip:hover { transform: translateY(-3px); border-color: #CBD7EA; box-shadow: var(--shadow-sm); }

/* ---------- Tips teaser / blog cards ---------- */
.tips-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; margin-top: 2.1rem; }
.tip-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-xs); display: flex; flex-direction: column;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s;
}
.tip-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: #D9E1EE; }
.tip-head {
  padding: 2rem 1.9rem 1.7rem; color: #fff; min-height: 128px;
  display: flex; flex-direction: column; justify-content: flex-end;
  font-family: var(--font-head); font-weight: 800; font-size: 1.16rem; line-height: 1.32; letter-spacing: -.01em;
  position: relative; overflow: hidden;
}
.tip-head::before {
  content: ""; position: absolute; inset: 0;
  background: url("../assets/batik-kawung.svg") repeat; background-size: 180px 180px;
  opacity: .06; pointer-events: none;
}
.th-blue { background: linear-gradient(135deg, var(--blue), #0B5BC8); }
.th-navy { background: linear-gradient(135deg, var(--navy), #1D3A6E); }
.th-yellow { background: linear-gradient(135deg, var(--yellow-deep), var(--yellow)); color: var(--navy); }
.tip-body { padding: 1.5rem 1.9rem 1.9rem; display: flex; flex-direction: column; gap: .85rem; flex: 1; }
.tip-body p { font-size: .93rem; color: var(--muted); flex: 1; }
.tip-meta { font-family: var(--font-head); font-size: .7rem; color: #93A0B8; font-weight: 800; text-transform: uppercase; letter-spacing: .18em; }
.tip-body .link { font-weight: 700; font-size: .92rem; font-family: var(--font-head); }

/* ---------- CTA band ---------- */
.cta-band {
  background-color: var(--blue);
  border-radius: 26px; color: #fff; padding: clamp(2.1rem, 4.5vw, 3.1rem);
  display: grid; grid-template-columns: 1.3fr .7fr; gap: 2.5rem; align-items: center;
  position: relative; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: url("../assets/batik-medallion.svg") no-repeat left -260px bottom -260px;
  background-size: 660px 660px; opacity: .08; pointer-events: none;
}
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; margin-bottom: .7rem; }
.cta-band p { color: #BBD0F2; max-width: 50ch; }
.cta-band .actions { display: flex; flex-direction: column; gap: .9rem; align-items: stretch; }
.cta-band .actions .btn { width: 100%; }
.cta-band .wa-num { text-align: center; font-size: .88rem; color: #BBD0F2; }
.cta-band .wa-num b { color: var(--yellow); }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { padding: clamp(1.3rem, 2.8vw, 2rem) 0; text-align: center; border-bottom: 1px solid var(--line-soft); }
.page-hero h1 { font-size: clamp(1.45rem, 2.7vw, 1.95rem); max-width: none; white-space: nowrap; }
.page-hero .lead { font-size: .96rem; margin-top: .4rem !important; max-width: none; }
.page-hero .eyebrow { margin-bottom: .5rem; }
.page-hero h1 { max-width: 22ch; margin-inline: auto; }
.page-hero .lead { margin: 1.2rem auto 0; }

/* ---------- Service detail blocks ---------- */
.svc-detail { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2.5rem, 5vw, 4.5rem); align-items: center; }
.svc-detail.flip .sd-media { order: 2; }
.sd-media { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-md); border: 6px solid #fff; }
.sd-media img { width: 100%; height: 100%; object-fit: cover; }
.sd-body h2 { margin-bottom: 1rem; }
.sd-body ul { list-style: none; margin: 1.1rem 0 1.4rem; display: grid; gap: .7rem; }
.sd-body li { display: flex; gap: .7rem; align-items: flex-start; font-size: .97rem; }
.sd-body li svg { color: var(--green); flex: 0 0 auto; margin-top: .22rem; }

/* claim steps timeline */
.timeline { display: grid; gap: 0; margin-top: 2.1rem; position: relative; }
.tl-item { display: grid; grid-template-columns: 56px 1fr; gap: 1.3rem; position: relative; padding-bottom: 1.6rem; }
.tl-item::before {
  content: ""; position: absolute; left: 27px; top: 56px; bottom: 6px; width: 2px;
  background: var(--line); border-radius: 3px;
}
.tl-item:last-child::before { display: none; }
.tl-dot {
  width: 56px; height: 56px; border-radius: 50%; background: #fff; border: 1.5px solid var(--line);
  display: grid; place-items: center; font-family: var(--font-head); font-weight: 800;
  color: var(--blue); font-size: 1.2rem; z-index: 1; transition: .25s; box-shadow: var(--shadow-xs);
}
.tl-item:hover .tl-dot { border-color: var(--yellow-deep); background: var(--yellow); color: var(--navy); transform: scale(1.05); }
.tl-body h3 { margin-bottom: .4rem; }
.tl-body p { color: var(--muted); font-size: .96rem; max-width: 62ch; }

.donot {
  background: #FFF8F6; border: 1px solid #F3DCD7; border-radius: var(--radius);
  padding: 1.6rem 1.5rem; margin-top: 1.7rem;
}
.donot h3 { color: #AC3D2C; display: flex; gap: .5rem; align-items: center; }
.donot ul { list-style: none; margin-top: 1rem; display: grid; gap: .7rem; }
.donot li { display: flex; gap: .6rem; font-size: .95rem; color: #7A4038; }

/* ---------- NCD table ---------- */
.ncd-table { width: 100%; border-collapse: collapse; margin: 1.8rem 0; box-shadow: var(--shadow-sm); border-radius: 14px; overflow: hidden; }
.ncd-table th { background: var(--navy); color: #fff; font-family: var(--font-head); padding: 1rem 1.2rem; text-align: left; font-size: .92rem; letter-spacing: .03em; }
.ncd-table td { padding: .95rem 1.2rem; border-bottom: 1px solid var(--line-soft); font-size: .96rem; background: #fff; }
.ncd-table tr:nth-child(even) td { background: var(--white-warm); }
.ncd-table tr:last-child td { border-bottom: 0; }
.ncd-table .hl td { background: var(--yellow); font-weight: 700; color: var(--navy); }

/* ---------- FAQ ---------- */
.faq { max-width: 800px; margin: 2rem auto 0; display: grid; gap: .9rem; }
details.faq-item {
  background: #fff; border: 1px solid var(--line); border-radius: 14px;
  padding: 0; overflow: hidden; box-shadow: var(--shadow-xs);
  transition: border-color .2s, box-shadow .2s;
}
details.faq-item[open] { border-color: #CBD7EA; box-shadow: var(--shadow-sm); }
details.faq-item summary {
  list-style: none; cursor: pointer; padding: 1.3rem 1.6rem;
  font-family: var(--font-head); font-weight: 700; color: var(--navy);
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  font-size: 1rem;
}
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::after {
  content: "+"; font-family: var(--font-head); font-size: 1.5rem; color: var(--blue);
  transition: transform .25s; line-height: 1; font-weight: 600;
}
details.faq-item[open] summary::after { transform: rotate(45deg); }
details.faq-item .faq-a { padding: 0 1.6rem 1.5rem; color: var(--muted); font-size: .95rem; }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2.5rem, 5vw, 4.5rem); align-items: center; }
.about-story p { margin-bottom: 1.15rem; font-size: 1.02rem; color: var(--ink); }
.about-story .highlight {
  background: var(--white-sky); border-left: 3px solid var(--yellow-deep); border-radius: 0 14px 14px 0;
  padding: 1.5rem 1.7rem; font-family: var(--font-head); font-weight: 700; color: var(--navy);
  font-size: 1.12rem; margin: 1.7rem 0; line-height: 1.5;
}
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; margin-top: 2.1rem; }
.value-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.9rem 1.6rem; text-align: center; box-shadow: var(--shadow-xs);
  transition: transform .25s ease, box-shadow .25s ease;
}
.value-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.value-card .v-icon {
  width: 60px; height: 60px; margin: 0 auto 1.2rem; border-radius: 50%;
  background: var(--yellow); color: var(--navy); display: grid; place-items: center;
}
.value-card p { font-size: .93rem; color: var(--muted); margin-top: .5rem; }

/* photo placeholder */
.photo-ph {
  border: 1.5px dashed #CBD7EA; border-radius: var(--radius); background: var(--white-warm);
  background-image: url("../assets/batik-kawung.svg"); background-size: 180px 180px;
  display: grid; place-items: center; text-align: center; padding: 3rem 2rem; color: var(--muted);
  min-height: 360px; font-size: .93rem;
}
.photo-ph svg { color: #CBD7EA; margin-bottom: .8rem; }

/* ---------- Quote form ---------- */
.quote-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2.5rem, 5vw, 4rem); align-items: start; }
.q-form {
  background: #fff; border: 1px solid var(--line); border-radius: 22px;
  padding: 2.5rem 2.3rem; box-shadow: var(--shadow-md);
}
.q-form h3 { margin-bottom: .4rem; font-size: 1.45rem; }
.q-form .sub { font-size: .92rem; color: var(--muted); margin-bottom: 1.7rem; }
.f-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.field { margin-bottom: 1.05rem; }
.field label { display: block; font-family: var(--font-head); font-size: .78rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--navy); margin-bottom: .45rem; }
.field input, .field select {
  width: 100%; padding: .9rem 1.1rem; border: 1.5px solid var(--line); border-radius: 11px;
  font-family: var(--font-body); font-size: 1rem; color: var(--ink); background: var(--white-warm);
  transition: border-color .18s, box-shadow .18s; appearance: none;
}
.field input:focus, .field select:focus {
  outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(0, 74, 173, .09); background: #fff;
}
.q-form .btn { width: 100%; margin-top: .6rem; }
.q-form .privacy { font-size: .78rem; color: #93A0B8; text-align: center; margin-top: .9rem; }

.contact-cards { display: grid; gap: 1.05rem; }
.c-card {
  display: flex; gap: 1.15rem; align-items: center; background: #fff;
  border: 1px solid var(--line); border-radius: 16px; padding: 1.35rem 1.5rem;
  box-shadow: var(--shadow-xs); transition: transform .2s, box-shadow .2s, border-color .2s;
}
.c-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #D9E1EE; }
.c-card .ci {
  width: 48px; height: 48px; border-radius: 13px; display: grid; place-items: center; flex: 0 0 auto;
  background: var(--white-sky); color: var(--blue);
}
.c-card.wa .ci { background: #E8F7EE; color: var(--green); }
.c-card b { display: block; color: var(--navy); font-size: .96rem; font-family: var(--font-head); }
.c-card span { font-size: .86rem; color: var(--muted); }

/* payments */
.pay-chips { display: flex; flex-wrap: wrap; gap: .6rem; margin-top: 1.1rem; }
.pay-chip {
  background: #fff; border: 1px solid var(--line); border-radius: 8px;
  padding: .5rem 1rem; font-size: .8rem; font-weight: 700; color: var(--navy);
  display: inline-flex; align-items: center; gap: .45rem; font-family: var(--font-head);
}
.pay-chip svg { color: var(--blue); }
.pay-note { font-size: .78rem; color: #93A0B8; margin-top: .8rem; font-style: italic; }

/* ---------- Article ---------- */
.article { max-width: 760px; margin: 0 auto; }
.article-hero {
  padding: clamp(1.3rem, 2.8vw, 1.9rem) 0 .9rem;
  background-color: var(--white-warm);
  background-image: url("../assets/batik-medallion.svg"), url("../assets/batik-parang.svg");
  background-repeat: no-repeat, repeat;
  background-position: right -200px top -220px, 0 0;
  background-size: 560px 560px, 240px 240px;
}
.article-hero .tip-meta { margin-bottom: 1rem; display: block; }
.article h1 { font-size: clamp(1.65rem, 4vw, 2.3rem); }
.article-body { padding: 1.4rem 0 2.6rem; }
.article-body p { margin-bottom: 1.25rem; font-size: 1.04rem; line-height: 1.8; }
.article-body h2 { font-size: 1.55rem; margin: 2.4rem 0 .9rem; }
.article-body h3 { margin: 1.7rem 0 .7rem; }
.article-body ul, .article-body ol { margin: 0 0 1.3rem 1.4rem; }
.article-body li { margin-bottom: .55rem; line-height: 1.75; }
.article-body .callout {
  background: var(--white-sky); border-left: 3px solid var(--blue); border-radius: 0 14px 14px 0;
  padding: 1.3rem 1.5rem; margin: 1.7rem 0; font-size: .98rem;
}
.article-body .callout.warn { background: #FFFAEA; border-color: var(--yellow-deep); }
.article-cta {
  background: var(--white-sky); border: 1px solid var(--line);
  background-image: url("../assets/batik-kawung.svg"); background-size: 180px 180px;
  border-radius: var(--radius); padding: 1.8rem; text-align: center; margin-top: 2rem;
}
.article-cta p { font-family: var(--font-head); font-weight: 800; color: var(--navy); font-size: 1.2rem; margin-bottom: 1.2rem; }

/* ---------- Footer ---------- */
footer.site {
  background-color: var(--navy); color: #A9B9DA; padding: 2.8rem 0 0; font-size: .92rem;
  position: relative;
}
footer.site::before {
  content: ""; position: absolute; inset: 0;
  background: url("../assets/batik-kawung.svg") repeat; background-size: 180px 180px;
  opacity: .04; pointer-events: none;
}
footer.site > * { position: relative; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2.2rem; padding-bottom: 2.1rem; }
.foot-brand img { height: 44px; margin-bottom: 1.2rem; background: #fff; border-radius: 10px; padding: .5rem .75rem; }
.foot-brand p { font-size: .89rem; max-width: 30ch; line-height: 1.75; }
footer.site h4 { color: #fff; font-family: var(--font-head); font-size: .8rem; margin-bottom: 1.2rem; letter-spacing: .18em; text-transform: uppercase; }
.foot-links { list-style: none; display: grid; gap: .65rem; }
.foot-links a { color: #A9B9DA; transition: color .18s; }
.foot-links a:hover { color: var(--yellow); }
.foot-contact li { display: flex; gap: .65rem; margin-bottom: .8rem; align-items: flex-start; }
.foot-contact svg { flex: 0 0 auto; margin-top: .22rem; color: var(--yellow); }
.foot-social { display: flex; gap: .7rem; margin-top: 1.3rem; }
.foot-social a {
  width: 38px; height: 38px; border-radius: 10px; background: rgba(255, 255, 255, .07);
  display: grid; place-items: center; color: #fff; transition: background .18s, transform .18s;
}
.foot-social a:hover { background: var(--blue); transform: translateY(-3px); }
.foot-pay { border-top: 1px solid rgba(255, 255, 255, .09); padding: 1.1rem 0; }
.foot-pay .container { display: flex; flex-wrap: wrap; gap: .8rem; align-items: center; justify-content: center; }
.foot-pay span.lbl { font-family: var(--font-head); font-size: .72rem; letter-spacing: .18em; text-transform: uppercase; color: #6C81AC; font-weight: 800; }
.foot-pay .pay-chip { background: rgba(255, 255, 255, .06); border-color: rgba(255, 255, 255, .1); color: #CBD9F4; }
.foot-pay .pay-chip svg { color: var(--yellow); }
.foot-legal {
  font-size: .76rem; color: #6C81AC; line-height: 1.7; max-width: 900px; margin: 0 auto;
  text-align: center; padding: 0 5%;
}
.foot-bottom { border-top: 1px solid rgba(255, 255, 255, .09); padding: 1rem 0; margin-top: 1rem; }
.foot-bottom .container { display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; justify-content: space-between; font-size: .8rem; color: #6C81AC; }

/* ---------- Floating WA + mobile bar ---------- */
.wa-float {
  position: fixed; right: 24px; bottom: 28px; z-index: 70;
  width: 58px; height: 58px; border-radius: 50%; background: var(--green);
  display: grid; place-items: center; color: #fff; box-shadow: 0 10px 28px rgba(23, 162, 78, .4);
  transition: transform .2s;
}
.wa-float:hover { transform: scale(1.08); }
.mobile-bar {
  display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 70;
  background: rgba(255,255,255,.97); backdrop-filter: blur(10px); border-top: 1px solid var(--line);
  grid-template-columns: 1fr 1fr 1fr; box-shadow: 0 -6px 24px rgba(10, 30, 66, .08);
  padding-bottom: env(safe-area-inset-bottom);
}
.mobile-bar a {
  display: flex; flex-direction: column; align-items: center; gap: .2rem;
  padding: .65rem 0 .6rem; font-family: var(--font-head); font-size: .7rem; font-weight: 800; color: var(--navy);
  letter-spacing: .04em;
}
.mobile-bar a svg { color: var(--blue); }
.mobile-bar a.wa svg { color: var(--green); }
.mobile-bar a.quote { background: var(--yellow); }

/* ---------- Reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s cubic-bezier(.2,.6,.2,1), transform .7s cubic-bezier(.2,.6,.2,1); }
.reveal.visible { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: .09s; } .reveal-d2 { transition-delay: .18s; } .reveal-d3 { transition-delay: .27s; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 3.4rem; }
  .hero-visual { min-height: 420px; max-width: 500px; margin: 0 auto; width: 100%; }
  .steps, .cards-3, .tstm, .tips-grid { grid-template-columns: 1fr 1fr; }
  .gallery { grid-template-columns: repeat(2, 1fr); }
  .compare, .svc-detail, .about-grid, .quote-grid, .cta-band { grid-template-columns: 1fr; }
  .svc-detail.flip .sd-media { order: 0; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 940px) {
  .nav-links { display: none; }
  .hamburger { display: block; }
}
@media (max-width: 700px) {
  .nav .btn-head { display: none; }
  .nav { height: 72px; }
  .mobile-menu { inset: 72px 0 0 0; }
  .steps, .cards-3, .tstm, .tips-grid { grid-template-columns: 1fr; }
  .f-row { grid-template-columns: 1fr; }
  .mobile-bar { display: grid; }
  .wa-float { display: none; }
  body { padding-bottom: 64px; }
  .quote-bar { flex-direction: column; padding: .8rem; gap: .7rem; }
  .quote-bar input { border: 1.5px solid var(--line); border-radius: 10px; padding: .85rem 1rem; background: var(--white-warm); }
  .quote-bar .btn { width: 100%; }
  .hero-sub-ctas { flex-wrap: wrap; gap: .9rem 1.4rem; }
  .hv-1 { width: 60%; } .hv-2 { width: 48%; }
  .trust-line { gap: .7rem 1.2rem; font-size: .82rem; }
  .hero, .page-hero { background-position: right -240px top -240px, 0 0; }
}

/* ---------- Hero dual quote choice (v2.2) ---------- */
.hero-choice {
  background: #fff; border: 1px solid var(--line); border-radius: 22px;
  box-shadow: var(--shadow-md); padding: 1.3rem 1.3rem 1.1rem; position: relative;
}
.choice-head {
  text-align: center; font-family: var(--font-head); font-weight: 800;
  font-size: .74rem; letter-spacing: .16em; text-transform: uppercase; color: var(--navy);
  display: flex; align-items: center; gap: .9rem; justify-content: center; margin-bottom: 1rem;
}
.choice-head::before, .choice-head::after { content: ""; flex: 1; height: 1px; background: var(--line); }
.choice-cards { display: grid; grid-template-columns: 1fr auto 1fr; gap: .9rem; align-items: stretch; }
.ch-card {
  border: 1.5px solid var(--line); border-radius: 15px; padding: 1.05rem 1rem .95rem;
  display: flex; flex-direction: column; gap: .55rem; text-align: left;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s;
}
.ch-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.ch-card.wa-side { background: #F5FBF7; border-color: #CFE9DA; }
.ch-card.wa-side:hover { border-color: #9ED4B4; }
.ch-card.guided-side { background: #FFFCF1; border-color: #F0E2AE; cursor: pointer; color: var(--ink); }
.ch-card.guided-side:hover { border-color: var(--yellow-deep); }
.ch-top { display: flex; gap: .65rem; align-items: flex-start; }
.ch-top .ci {
  width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center; flex: 0 0 auto;
}
.wa-side .ch-top .ci { background: var(--green); color: #fff; }
.guided-side .ch-top .ci { background: var(--yellow); color: var(--navy); }
.ch-top b { display: block; font-family: var(--font-head); font-weight: 800; font-size: .98rem; color: var(--navy); line-height: 1.25; }
.ch-top span { display: block; font-size: .77rem; color: var(--muted); margin-top: .1rem; line-height: 1.45; }
.ch-card input {
  width: 100%; padding: .62rem .85rem; border: 1.5px solid #D8E5DC; border-radius: 10px;
  font-family: var(--font-body); font-size: .88rem; color: var(--ink); background: #fff;
  outline: none; transition: border-color .18s, box-shadow .18s;
}
.ch-card input:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(23,162,78,.12); }
.ch-card .btn { width: 100%; padding: .78rem 1rem; font-size: .89rem; margin-top: .15rem; }
.ch-micro { font-size: .68rem; color: #93A0B8; text-align: center; line-height: 1.4; }
.ch-or { display: flex; align-items: center; justify-content: center; }
.ch-or span {
  width: 38px; height: 38px; border-radius: 50%; background: var(--navy); color: var(--yellow);
  font-family: var(--font-head); font-weight: 800; font-size: .68rem; letter-spacing: .06em;
  display: grid; place-items: center; box-shadow: var(--shadow-sm);
}
.mini-steps { display: flex; flex-wrap: wrap; gap: .35rem; list-style: none; margin: .1rem 0 .2rem; }
.mini-steps li {
  font-family: var(--font-head); font-size: .64rem; font-weight: 800; letter-spacing: .04em;
  background: #fff; border: 1px solid #EADFB4; color: var(--navy);
  border-radius: 99px; padding: .22rem .6rem; text-transform: uppercase;
}
.guided-side .btn-yellow { pointer-events: none; }
@media (max-width: 980px) {
  .choice-cards { grid-template-columns: 1fr; }
  .ch-or { margin: -.2rem 0; }
  .hero-choice { max-width: 560px; margin: 0 auto; width: 100%; }
}

/* solo guided card (v2.3, WhatsApp hero option removed) */
.hero-choice .ch-card.solo { padding: 1.35rem 1.3rem 1.2rem; }
.hero-choice .ch-card.solo .ch-top b { font-size: 1.06rem; }
.hero-choice .ch-card.solo .mini-steps { margin: .35rem 0 .3rem; }
.hero-choice .ch-card.solo .mini-steps li { font-size: .68rem; padding: .26rem .68rem; }
.ch-alt { margin-top: .8rem; text-align: center; font-family: var(--font-head); font-weight: 800; font-size: .66rem; letter-spacing: .14em; text-transform: uppercase; color: #93A0B8; }

/* ---------- v2.4: compact service rows, insurer duo, tip list ---------- */
.choice-logo { height: 34px; width: auto; margin: 0 auto .75rem; }
.btn-sm { padding: .72rem 1.3rem; font-size: .88rem; }

.svc-row {
  display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(1.6rem, 3.5vw, 2.8rem);
  align-items: center; padding: 1.6rem 0; border-bottom: 1px solid var(--line-soft);
}
.svc-row:first-child { padding-top: 0; }
.svc-row:last-child { border-bottom: 0; padding-bottom: 0; }
.svc-row.flip .sr-thumbs { order: -1; }
.svc-row h2 { font-size: clamp(1.35rem, 2.7vw, 1.8rem); margin-bottom: .45rem; }
.sr-lead { color: var(--muted); font-size: .95rem; line-height: 1.65; margin-bottom: .8rem; max-width: 56ch; }
.sr-points { list-style: none; display: grid; gap: .45rem; margin-bottom: 1.05rem; }
.sr-points li { display: flex; gap: .55rem; align-items: flex-start; font-size: .9rem; }
.sr-points li svg { color: var(--green); flex: 0 0 auto; margin-top: .22rem; }
.sr-thumbs { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; align-items: start; }
.sr-thumbs img {
  width: 100%; aspect-ratio: 4/3.4; object-fit: cover; border-radius: 12px;
  border: 3px solid #fff; box-shadow: var(--shadow-sm);
  transition: transform .3s ease;
}
.sr-thumbs img:hover { transform: scale(1.04) rotate(.5deg); }
.sr-thumbs.three { grid-template-columns: 1fr 1fr; }
.sr-thumbs.three img:first-child { grid-column: 1 / -1; aspect-ratio: 16/7.5; }

.claim-mini { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: .45rem .9rem; margin-bottom: .8rem; }
.claim-mini li { display: flex; gap: .55rem; align-items: center; font-size: .88rem; font-weight: 500; }
.claim-mini li b {
  width: 24px; height: 24px; border-radius: 50%; background: var(--yellow); color: var(--navy);
  font-family: var(--font-head); font-weight: 800; font-size: .74rem;
  display: grid; place-items: center; flex: 0 0 auto;
}
.donot-mini {
  display: flex; gap: .5rem; align-items: flex-start; font-size: .82rem; color: #A0503F;
  background: #FFF8F6; border: 1px solid #F3DCD7; border-radius: 10px; padding: .6rem .8rem;
  margin-bottom: 1.05rem; line-height: 1.5;
}
.donot-mini svg { flex: 0 0 auto; margin-top: .15rem; }

.ins-duo { display: flex; gap: 1rem; justify-content: center; margin-top: 1.4rem; flex-wrap: wrap; }
.ins-card {
  background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 1.1rem 2.2rem;
  text-align: center; box-shadow: var(--shadow-xs); min-width: 200px;
  transition: transform .2s, box-shadow .2s;
}
.ins-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.ins-card b { display: block; font-family: var(--font-head); font-weight: 800; font-size: 1.35rem; color: var(--navy); letter-spacing: -.01em; }
.ins-card span { font-size: .74rem; color: var(--muted); letter-spacing: .06em; text-transform: uppercase; font-weight: 600; }
.ins-note { text-align: center; font-size: .84rem; color: var(--muted); margin-top: 1rem; }

.tip-list { display: grid; border: 1px solid var(--line); border-radius: 16px; background: #fff; overflow: hidden; box-shadow: var(--shadow-xs); }
.tip-row {
  display: grid; grid-template-columns: 92px 1fr auto; gap: 1.1rem; align-items: center;
  padding: 1.05rem 1.3rem; border-bottom: 1px solid var(--line-soft); color: var(--ink);
  transition: background .18s, padding-left .18s;
}
.tip-row:last-child { border-bottom: 0; }
.tip-row:hover { background: var(--white-warm); padding-left: 1.6rem; }
.tr-cat {
  font-family: var(--font-head); font-size: .62rem; font-weight: 800; letter-spacing: .12em;
  text-transform: uppercase; text-align: center; padding: .32rem .5rem; border-radius: 7px;
}
.tl-sav { background: #EAF3FF; color: var(--blue); }
.tl-clm { background: #0A1E42; color: #F8DD6A; }
.tl-bas { background: var(--yellow); color: var(--navy); }
.tr-main b { display: block; font-family: var(--font-head); font-weight: 800; font-size: 1rem; color: var(--navy); line-height: 1.3; }
.tr-main span { display: block; font-size: .84rem; color: var(--muted); margin-top: .12rem; }
.tr-go { font-family: var(--font-head); font-weight: 800; font-size: .8rem; color: var(--blue); white-space: nowrap; }

.back-link {
  display: inline-block; font-family: var(--font-head); font-weight: 700; font-size: .85rem;
  color: var(--muted); margin-bottom: .9rem; transition: color .18s; padding: .6rem 0; margin-top: -.6rem;
}
.back-link:hover { color: var(--blue); }

@media (max-width: 900px) {
  .svc-row { grid-template-columns: 1fr; gap: 1.1rem; }
  .svc-row.flip .sr-thumbs { order: 0; }
  .claim-mini { grid-template-columns: 1fr; }
  .tip-row { grid-template-columns: 1fr auto; }
  .tr-cat { display: none; }
}

@media (max-width: 760px) { .page-hero h1 { white-space: normal; } }

/* ---------- v2.5 mobile polish ---------- */
@media (max-width: 700px) {
  .topbar { font-size: .72rem; padding: .45rem 4%; }
  .topbar .tb-more { display: none; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .foot-brand { grid-column: 1 / -1; }
  .article-body p { font-size: .99rem; }
  .cta-band { border-radius: 18px; }
  .compare-wrap { border-radius: 18px; }
  .hero-choice { padding: 1.05rem 1rem .9rem; }
  .g-item figcaption { font-size: .72rem; padding: 1.2rem .7rem .6rem; }
  .tl-body p { font-size: .92rem; }
  .sr-thumbs { gap: .55rem; }
  .btn { padding: .95rem 1.5rem; }
  .nav .btn { padding: .72rem 1.4rem; }
}
@media (max-width: 420px) {
  .mini-steps li { font-size: .6rem; padding: .22rem .55rem; }
}
.ig-note a, .photo-ph a { display: inline-block; padding: .4rem .2rem; margin: -.35rem -.2rem; }

/* ---------- v2.6: stats mobile cards + back-to-top ---------- */
@media (max-width: 980px) {
  .stats-grid { grid-template-columns: 1fr 1fr; gap: .7rem; padding: 1.5rem 0 1.6rem; }
  .stat {
    border-left: 0 !important; padding: 1.05rem .7rem 1.1rem;
    background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .09);
    border-radius: 14px;
  }
  .stat b { font-size: 1.75rem; }
  .stat .l { font-size: .58rem; letter-spacing: .16em; margin-top: .4rem; }
  .stat .l::before { margin-bottom: .45rem; }
}
@media (max-width: 360px) {
  .stat b { font-size: 1.5rem; }
}
.to-top {
  position: fixed; right: 22px; bottom: 100px; z-index: 69;
  width: 44px; height: 44px; border-radius: 50%; border: 0; cursor: pointer;
  background: var(--navy); color: var(--yellow);
  display: grid; place-items: center;
  box-shadow: 0 8px 24px rgba(10, 30, 66, .32);
  opacity: 0; transform: translateY(14px) scale(.9); pointer-events: none;
  transition: opacity .3s ease, transform .3s ease, background .2s;
}
.to-top.show { opacity: 1; transform: none; pointer-events: auto; }
.to-top:hover { background: var(--blue); }
@media (max-width: 700px) {
  .to-top { right: 14px; bottom: 78px; width: 42px; height: 42px; }
}