/* ===== block 1 — was inline in index.html: <style> ===== */
  /* ============================================================
     DESIGN TOKENS
     ============================================================ */
  :root {
    /* Core navy palette */
    --navy-deep: #1E2A38;
    --navy: #2C3E50;
    --navy-light: #34495E;
    --navy-card: #38506A;

    /* Silver highlight family */
    --silver: #C8D4E0;
    --silver-bright: #DDE6EF;
    --silver-muted: #97A4B3;

    /* Off-tones */
    --cream: #F4F1EA;
    --paper: #FAFAF7;
    --ink: #1A2330;
    --ink-soft: #475569;
    --ink-muted: #64748B;

    --white: #FFFFFF;

    --border-silver: rgba(200,212,224,0.18);
    --border-strong: rgba(200,212,224,0.32);

    /* Gold accent — ties to print collateral, pops on navy */
    --accent: #85C1E9;
    --accent-bright: #B8DCF3;
    --accent-deep: #527FA0;
  }

  *, *::before, *::after { box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  body {
    margin: 0;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    background: var(--navy-deep);
    color: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }
  img, svg { max-width: 100%; display: block; }
  a { color: inherit; text-decoration: none; }

  /* Serif accent class — the signature device */
  .serif-it {
    font-family: 'Cormorant Garamond', serif;
    font-style: italic;
    font-weight: 500;
    color: var(--silver);
    letter-spacing: -0.005em;
  }

  /* Eyebrow label */
  .eyebrow {
    display: inline-block;
    font-family: 'Poppins', sans-serif;
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    color: var(--accent);
    margin-bottom: 18px;
    text-shadow: 0 0 16px rgba(133,193,233,0.45);
  }

  /* ============================================================
     NAV — sticky, anchor-link based
     ============================================================ */
  nav.shc-nav {
    position: sticky;
    top: 0;
    z-index: 100;
    background: var(--navy-deep);
    border-bottom: 1px solid var(--border-silver);
    padding: 0 40px;
    height: 68px;
    display: flex;
    align-items: center;
    justify-content: space-between;
  }
  .shc-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
  }
  .shc-logo-mark {
    width: 36px; height: 36px;
    background: var(--navy-light);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--border-silver);
  }
  .shc-logo-mark span {
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 14px;
    color: var(--silver);
    letter-spacing: -0.02em;
  }
  .shc-logo-name {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.05rem;
    font-weight: 600;
    line-height: 1.1;
    color: var(--white);
  }
  .shc-logo-sub {
    font-family: 'Poppins', sans-serif;
    font-size: 9px;
    letter-spacing: 0.16em;
    color: var(--silver-muted);
    text-transform: uppercase;
    margin-top: 2px;
  }
  .shc-nav-links {
    display: flex;
    gap: 36px;
    list-style: none;
    margin: 0; padding: 0;
  }
  .shc-nav-links a {
    font-size: 13.5px;
    font-weight: 500;
    color: rgba(255,255,255,0.75);
    transition: color 0.2s;
  }
  .shc-nav-links a:hover { color: var(--silver); }

  /* ============================================================
     HERO
     ============================================================ */
  .hero {
    padding: 88px 40px 96px;
    text-align: center;
    position: relative;
    background:
      radial-gradient(ellipse at 50% 0%, rgba(200,212,224,0.05), transparent 60%),
      var(--navy-deep);
  }
  .hero-inner { max-width: 920px; margin: 0 auto; }
  .hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 7px 16px;
    background: rgba(200,212,224,0.08);
    border: 1px solid var(--border-silver);
    border-radius: 999px;
    font-size: 12px;
    color: var(--silver);
    margin-bottom: 28px;
    font-weight: 500;
  }
  .hero-tag::before {
    content: '';
    width: 6px; height: 6px;
    background: var(--silver);
    border-radius: 50%;
    box-shadow: 0 0 8px var(--silver);
  }
  h1.hero-title {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2.2rem, 5.5vw, 4.2rem);
    font-weight: 600;
    line-height: 1.08;
    letter-spacing: -0.02em;
    margin: 0 0 24px;
    color: var(--white);
    text-wrap: balance;
  }
  .hero-title .keep { white-space: nowrap; }
  .hero-sub {
    font-size: clamp(1.02rem, 1.8vw, 1.18rem);
    color: rgba(255,255,255,0.78);
    max-width: 640px;
    margin: 0 auto 36px;
    font-weight: 400;
  }
  .hero-cta-row {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 56px;
  }
  .btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(180deg, #DDE6EF 0%, #C8D4E0 100%);
    color: var(--navy-deep);
    padding: 14px 28px;
    border-radius: 999px;
    font-weight: 600;
    font-size: 14.5px;
    border: none;
    cursor: pointer;
    transition: all 0.25s;
    font-family: inherit;
    position: relative;
    overflow: hidden;
    box-shadow: 0 4px 18px rgba(200,212,224,0.30);
  }
  .btn-primary::before {
    content: '';
    position: absolute;
    top: 0;
    left: -65%;
    width: 45%;
    height: 100%;
    background: linear-gradient(100deg, transparent, rgba(255,255,255,0.6), transparent);
    transform: skewX(-18deg);
    pointer-events: none;
    animation: btnShine 5s ease-in-out infinite;
  }
  @keyframes btnShine {
    0%   { left: -65%; }
    16%  { left: 135%; }
    100% { left: 135%; }
  }
  .btn-primary:hover {
    background: linear-gradient(180deg, #E8EEF5 0%, #DDE6EF 100%);
    transform: translateY(-1px);
    box-shadow: 0 6px 28px rgba(200,212,224,0.45), 0 0 0 1px rgba(221,230,239,0.6);
  }
  .btn-ghost {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    color: var(--silver);
    padding: 14px 24px;
    border-radius: 999px;
    font-weight: 500;
    font-size: 14.5px;
    border: 1px solid var(--border-strong);
    cursor: pointer;
    transition: all 0.25s;
    font-family: inherit;
  }
  .btn-ghost:hover { background: rgba(200,212,224,0.06); border-color: var(--silver); }

  /* Trust strip below hero */
  .hero-trust {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 26px 48px;
    border-top: 1px solid var(--border-silver);
    padding-top: 36px;
    max-width: 620px;
    margin: 0 auto;
  }
  .trust-cell { text-align: center; }
  .trust-num {
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.2rem;
    color: var(--silver);
    line-height: 1;
    font-weight: 600;
    text-shadow: 0 0 22px rgba(200,212,224,0.30);
  }
  .trust-num sup { font-size: 1rem; font-weight: 500; }
  .trust-lbl {
    font-size: 10px;
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    letter-spacing: 0.14em;
    margin-top: 10px;
    font-weight: 500;
  }

  /* ----- Concept 1: founder portrait, copy left ----- */
  .hero--portrait {
    text-align: left;
    padding: 0 40px;
    overflow: hidden;
  }
  .hero--portrait .hero-inner {
    max-width: 1180px;
    display: grid;
    grid-template-columns: 1.06fr 0.94fr;
    gap: 24px;
    align-items: center;
    min-height: 412px;
    position: relative;
    z-index: 3;
  }
  .hero--portrait .hero-inner::before {
    content: '';
    position: absolute;
    top: 6%;
    left: -7%;
    width: 540px;
    height: 440px;
    background: radial-gradient(ellipse at center, rgba(133,193,233,0.15), transparent 70%);
    z-index: -1;
    pointer-events: none;
  }
  .hero--portrait .hero-copy { padding: 30px 0 36px; }
  .hero--portrait .hero-title {
    font-size: clamp(2rem, 4.2vw, 3.3rem);
    margin: 0 0 18px;
  }
  .hero--portrait .hero-sub { margin: 0 0 26px; }
  .hero--portrait .hero-cta-row { justify-content: flex-start; margin-bottom: 34px; }
  .hero--portrait .hero-trust { margin: 0; justify-content: flex-start; max-width: none; padding-top: 24px; }
  .hero-figure {
    position: relative;
    z-index: 2;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 30px 0;
  }
  .hero-figure img {
    width: 100%;
    max-width: 440px;
    aspect-ratio: 4 / 5;
    object-fit: cover;
    object-position: center 28%;
    border-radius: 20px;
    filter: brightness(1.04) saturate(1.04);
    box-shadow: 0 30px 60px rgba(0,0,0,0.42), 0 0 0 1px rgba(200,212,224,0.10);
  }
  .hero-figure::after {
    content: none;
  }
  @media (max-width: 820px) {
    .hero--portrait { text-align: center; padding: 80px 22px 64px; }
    .hero--portrait .hero-inner { grid-template-columns: 1fr; min-height: auto; }
    .hero--portrait .hero-copy { padding: 0; }
    .hero--portrait .hero-sub { margin: 0 auto 32px; }
    .hero--portrait .hero-cta-row { justify-content: center; }
    .hero--portrait .hero-trust { justify-content: center; }
    .hero-col-spacer { display: none; }
    .hero-figure { display: none; }
  }



  /* ============================================================
     TEAM SECTION
     ============================================================ */
  .team-section {
    background: var(--navy);
    padding: 60px 40px 52px;
    border-top: 1px solid var(--border-silver);
    border-bottom: 1px solid var(--border-silver);
  }
  .team-inner { max-width: 1140px; margin: 0 auto; }
  .team-header { text-align: center; margin-bottom: 56px; }
  .team-header h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 600;
    margin: 0 0 14px;
    letter-spacing: -0.015em;
    color: var(--white);
  }
  .team-header p {
    color: rgba(255,255,255,0.66);
    max-width: 580px;
    margin: 0 auto;
    font-size: 1rem;
  }
  .team-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px;
  }
  .team-card {
    background: var(--navy-light);
    border: 1px solid var(--border-silver);
    border-radius: 18px;
    overflow: hidden;
    text-align: center;
    transition: all 0.3s ease;
  }
  .team-card:hover {
    border-color: var(--accent);
    transform: translateY(-4px);
    box-shadow: 0 24px 48px rgba(0,0,0,0.3), 0 0 0 1px rgba(133,193,233,0.45), 0 16px 46px rgba(133,193,233,0.20);
  }
  .team-photo-wrap {
    position: relative;
    width: 100%;
    aspect-ratio: 1 / 1;
    overflow: hidden;
    /* Dark frame: black-background headshots melt into the card edge */
    background: linear-gradient(165deg, #0c0f14 0%, #161d27 55%, var(--navy-light) 100%);
  }
  .team-photo-wrap::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: 3;
    pointer-events: none;
    background: linear-gradient(to bottom, transparent 62%, rgba(52,73,94,0.55) 88%, var(--navy-light) 100%);
  }
  .team-photo-bg {
    position: absolute;
    inset: 0;
    background:
      radial-gradient(circle at 50% 110%, rgba(200,212,224,0.18) 0%, transparent 60%),
      linear-gradient(160deg, var(--navy-card) 0%, var(--navy-light) 100%);
    z-index: 1;
  }
  .team-photo-wrap img {
    position: relative;
    z-index: 2;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
    display: block;
    transition: transform 0.5s ease;
  }
  .team-card:hover .team-photo-wrap img {
    transform: scale(1.04);
  }
  .team-info {
    padding: 24px 22px 26px;
  }
  .team-info h4 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.45rem;
    font-weight: 600;
    color: var(--white);
    margin: 0 0 6px;
  }
  .team-role {
    color: var(--silver);
    font-size: 0.86rem;
    font-weight: 500;
    margin: 0 0 8px;
    letter-spacing: 0.01em;
  }

  /* ============================================================
     SILVER GLOW on signature italic phrases
     ============================================================ */
  .serif-it {
    text-shadow: 0 0 0 rgba(200,212,224,0);
    animation: silverGlow 3.2s ease-in-out infinite;
  }
  @keyframes silverGlow {
    0%, 100% {
      text-shadow:
        0 0 12px rgba(200,212,224,0.18),
        0 0 24px rgba(200,212,224,0.08);
    }
    50% {
      text-shadow:
        0 0 16px rgba(200,212,224,0.40),
        0 0 32px rgba(200,212,224,0.20),
        0 0 48px rgba(200,212,224,0.10);
    }
  }
  @media (prefers-reduced-motion: reduce) {
    .serif-it { animation: none; text-shadow: 0 0 12px rgba(200,212,224,0.2); }
  }

  @media (max-width: 900px) {
    .team-section { padding: 46px 22px; }
    .team-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .team-photo-wrap { aspect-ratio: 4 / 5; }
    .about-team { margin-top: 48px; padding-top: 40px; }
  }
  @media (max-width: 540px) {
    .team-grid { grid-template-columns: 1fr; gap: 18px; }
    .team-photo-wrap { aspect-ratio: 4 / 3; }
  }

  /* ============================================================
     ABOUT ↔ TEAM MERGE
     ============================================================ */
  .about-team {
    max-width: 1140px;
    margin: 76px auto 0;
    padding-top: 56px;
    border-top: 1px solid var(--border-silver);
  }
  .about-team-head {
    text-align: center;
    margin-bottom: 44px;
  }
  .about-team-head h3 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(1.7rem, 3.2vw, 2.4rem);
    font-weight: 600;
    margin: 8px 0 12px;
    letter-spacing: -0.015em;
    color: var(--white);
  }
  .about-team-head p {
    color: rgba(255,255,255,0.62);
    max-width: 560px;
    margin: 0 auto;
    font-size: 0.98rem;
  }

  /* Floating "meet the team" widget now lives in css/advisor.css so every
     page can load it, not just the homepage. */

  /* Carrier marquee moved to css/carriers.css — one stylesheet shared by
     the homepage and every inner page so the carousel is identical. */

  /* ============================================================
     PAIN SECTION — "Finding the right plan shouldn't take a miracle"
     ============================================================ */
  .pain-section {
    padding: 64px 40px;
    background: var(--navy-deep);
  }
  .pain-inner { max-width: 1140px; margin: 0 auto; }
  .pain-top {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: end;
    margin-bottom: 64px;
  }
  .pain-top h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 4vw, 3.2rem);
    font-weight: 600;
    line-height: 1.1;
    margin: 0;
    letter-spacing: -0.015em;
  }
  .pain-top p {
    color: rgba(255,255,255,0.7);
    font-size: 1rem;
    margin: 0;
    max-width: 440px;
  }
  .pain-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
  }
  .pain-card {
    background: var(--navy-light);
    border: 1px solid var(--border-silver);
    border-radius: 16px;
    padding: 32px 28px;
    transition: all 0.3s;
  }
  .pain-card:hover {
    border-color: var(--silver);
    transform: translateY(-3px);
  }
  .pain-card .pain-icon {
    width: 44px; height: 44px;
    border-radius: 50%;
    background: rgba(200,212,224,0.10);
    border: 1px solid var(--border-silver);
    color: var(--silver);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
  }
  .pain-card .pain-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px; height: 28px;
    border-radius: 50%;
    background: var(--silver);
    color: var(--navy-deep);
    font-family: 'Cormorant Garamond', serif;
    font-weight: 700;
    font-size: 0.85rem;
    margin-bottom: 18px;
  }
  .pain-card h3 {
    font-family: 'Cormorant Garamond', serif;
    font-style: italic;
    font-size: 1.45rem;
    font-weight: 500;
    color: var(--silver);
    margin: 0 0 12px;
    line-height: 1.2;
  }
  .pain-card p {
    color: rgba(255,255,255,0.7);
    font-size: 0.94rem;
    margin: 0;
    line-height: 1.55;
  }

  /* ============================================================
     REVEAL SECTION — "School taught you trigonometry. Not deductibles."
     ============================================================ */
  .reveal-section {
    background: var(--paper);
    color: var(--ink);
    padding: 84px 40px;
    text-align: center;
    position: relative;
  }
  .reveal-inner { max-width: 880px; margin: 0 auto; }
  .reveal-section .eyebrow {
    color: var(--accent-deep);
  }
  .reveal-section h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 4.5vw, 3.4rem);
    font-weight: 500;
    line-height: 1.18;
    margin: 0 0 28px;
    color: var(--ink);
    letter-spacing: -0.015em;
  }
  .reveal-section h2 em {
    font-style: italic;
    color: var(--navy);
    font-weight: 600;
  }
  .reveal-section .reveal-tagline {
    font-family: 'Cormorant Garamond', serif;
    font-style: italic;
    color: var(--ink-soft);
    font-size: 1.15rem;
    margin: 0 0 56px;
  }
  .consequence-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-top: 48px;
  }
  .conseq-card {
    background: var(--white);
    border: 1px solid #E5E7EB;
    border-radius: 14px;
    padding: 32px 20px;
    text-align: center;
    transition: all 0.25s;
  }
  .conseq-card:hover {
    border-color: var(--navy);
    box-shadow: 0 8px 24px rgba(30,42,56,0.08);
  }
  .conseq-icon {
    width: 44px; height: 44px;
    margin: 0 auto 18px;
    border-radius: 50%;
    background: var(--cream);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
  }
  .conseq-card p {
    margin: 0;
    color: var(--ink);
    font-size: 0.95rem;
    line-height: 1.45;
    font-weight: 500;
  }

  /* ============================================================
     COVERAGE SECTION — 3 cards
     ============================================================ */
  .coverage-section {
    background: var(--navy-deep);
    padding: 64px 40px;
  }
  .coverage-inner { max-width: 1140px; margin: 0 auto; }
  .coverage-header { text-align: center; margin-bottom: 56px; }
  .coverage-header h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 600;
    margin: 0 0 14px;
    letter-spacing: -0.015em;
  }
  .coverage-header p {
    color: rgba(255,255,255,0.65);
    max-width: 560px;
    margin: 0 auto;
    font-size: 1rem;
  }
  .coverage-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
  }
  .cov-card {
    background: var(--navy-light);
    border: 1px solid var(--border-silver);
    border-radius: 16px;
    padding: 36px 32px;
    transition: all 0.3s;
    display: flex;
    flex-direction: column;
  }
  .cov-card:hover {
    border-color: var(--silver);
    transform: translateY(-4px);
    box-shadow: 0 16px 40px rgba(0,0,0,0.25);
  }
  .cov-card.featured {
    background: linear-gradient(160deg, var(--navy-card), var(--navy-light));
    border-color: var(--silver);
  }
  .cov-icon {
    width: 44px; height: 44px;
    border-radius: 12px;
    background: rgba(200,212,224,0.12);
    border: 1px solid var(--border-silver);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--silver);
    margin-bottom: 22px;
  }
  .cov-card.featured .cov-icon {
    background: var(--silver);
    color: var(--navy-deep);
    border-color: var(--silver);
  }
  .cov-tag {
    display: inline-block;
    background: var(--silver);
    color: var(--navy-deep);
    font-size: 10px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    padding: 4px 10px;
    border-radius: 999px;
    margin-bottom: 16px;
    width: max-content;
  }
  .cov-card h3 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.55rem;
    font-weight: 600;
    margin: 0 0 12px;
    color: var(--white);
  }
  .cov-card p {
    color: rgba(255,255,255,0.72);
    font-size: 0.95rem;
    margin: 0 0 22px;
    flex: 1;
  }
  .cov-link {
    color: var(--silver);
    font-size: 0.88rem;
    font-weight: 600;
    letter-spacing: 0.04em;
  }

  /* ============================================================
     PROCESS / HOW IT WORKS
     ============================================================ */
  .process-section {
    background: var(--paper);
    color: var(--ink);
    padding: 64px 40px;
  }
  .process-inner { max-width: 1100px; margin: 0 auto; }
  .process-header { text-align: center; margin-bottom: 56px; }
  .process-header .eyebrow { color: var(--accent-deep); }
  .process-header h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 600;
    color: var(--ink);
    margin: 0 0 12px;
    letter-spacing: -0.015em;
  }
  .process-header p {
    color: var(--ink-soft);
    max-width: 560px;
    margin: 0 auto;
  }
  .process-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    counter-reset: step-counter;
  }
  .process-step {
    text-align: center;
    position: relative;
    padding: 0 12px;
  }
  .step-num {
    font-family: 'Cormorant Garamond', serif;
    font-style: italic;
    font-size: 3.5rem;
    color: var(--navy);
    font-weight: 500;
    line-height: 1;
    margin-bottom: 16px;
    opacity: 0.35;
  }
  .process-step h3 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.4rem;
    font-weight: 600;
    color: var(--ink);
    margin: 0 0 10px;
  }
  .process-step p {
    color: var(--ink-soft);
    font-size: 0.94rem;
    margin: 0;
  }

  /* ============================================================
     ABOUT SECTION
     ============================================================ */
  .about-section {
    background: var(--navy-deep);
    padding: 64px 40px;
  }
  .about-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 64px;
    align-items: center;
  }
  .about-left h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 600;
    line-height: 1.1;
    margin: 0 0 24px;
    letter-spacing: -0.015em;
  }
  .about-left p {
    color: rgba(255,255,255,0.75);
    margin: 0 0 16px;
    line-height: 1.65;
  }
  .about-sig {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-top: 32px;
    padding-top: 28px;
    border-top: 1px solid var(--border-silver);
  }
  .about-avatar {
    width: 52px; height: 52px;
    border-radius: 50%;
    background: var(--silver);
    color: var(--navy-deep);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Cormorant Garamond', serif;
    font-weight: 700;
    font-size: 1.2rem;
  }
  .about-sig-text {
    line-height: 1.4;
  }
  .about-name {
    color: var(--white);
    font-weight: 600;
    font-size: 0.95rem;
  }
  .about-title {
    color: var(--silver-muted);
    font-size: 0.82rem;
  }
  .about-right {
    display: grid;
    gap: 14px;
  }
  .about-pillar {
    background: var(--navy-light);
    border: 1px solid var(--border-silver);
    border-radius: 12px;
    padding: 20px 22px;
    display: flex;
    gap: 16px;
    align-items: flex-start;
  }
  .about-pillar-icon {
    flex-shrink: 0;
    width: 32px; height: 32px;
    border-radius: 8px;
    background: rgba(200,212,224,0.12);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--silver);
  }
  .about-pillar h4 {
    margin: 0 0 4px;
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--white);
  }
  .about-pillar p {
    margin: 0;
    font-size: 0.84rem;
    color: rgba(255,255,255,0.62);
    line-height: 1.5;
  }

  /* ============================================================
     TESTIMONIALS
     ============================================================ */
  .testimonials {
    background: var(--navy-deep);
    color: #fff;
    padding: 48px 40px 54px;
    text-align: center;
    position: relative;
  }
  .testimonials-inner { max-width: 1180px; margin: 0 auto; }
  .testimonials .eyebrow { color: var(--accent); }
  .testimonials h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(1.85rem, 3.4vw, 2.5rem);
    font-weight: 600;
    margin: 0 0 9px;
    letter-spacing: -0.015em;
    color: #fff;
  }
  .testimonials .serif-it-gold {
    font-family: 'Cormorant Garamond', serif;
    font-style: italic;
    font-weight: 600;
    color: var(--accent-bright);
  }
  .testimonials > .testimonials-inner > p.testimonials-sub {
    color: rgba(255,255,255,0.72);
    max-width: 540px;
    margin: 0 auto 22px;
  }

  /* trust strip (dark) */
  .reviews-trust-strip {
    display: flex;
    justify-content: center;
    gap: 10px;
    flex-wrap: wrap;
    margin: 0 0 26px;
  }
  .trust-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(200,212,224,0.06);
    border: 1px solid var(--border-silver);
    border-radius: 999px;
    padding: 8px 16px;
    font-size: 0.78rem;
    font-weight: 500;
    color: var(--silver);
    letter-spacing: 0.01em;
  }
  .trust-pill svg { color: var(--accent); flex-shrink: 0; }

  /* carousel */
  .reviews-carousel {
    position: relative;
    display: flex;
    align-items: stretch;
    gap: 10px;
    max-width: 1180px;
    margin: 0 auto;
  }
  .rc-track {
    display: flex;
    gap: 18px;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    scroll-behavior: smooth;
    padding: 4px 2px 8px;
    flex: 1;
    min-width: 0;
    scrollbar-width: none;
  }
  .rc-track::-webkit-scrollbar { display: none; }
  .review-card {
    flex: 0 0 calc((100% - 36px) / 3);
    min-width: 0;
    scroll-snap-align: start;
    background: var(--navy);
    border: 1px solid var(--border-silver);
    border-radius: 14px;
    padding: 22px 22px 24px;
    text-align: left;
    display: flex;
    flex-direction: column;
    transition: border-color 0.25s ease, transform 0.25s ease;
  }
  .review-card:hover {
    border-color: rgba(133,193,233,0.45);
    transform: translateY(-3px);
  }
  .rc-head { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
  .rc-avatar {
    width: 44px; height: 44px; flex-shrink: 0;
    border-radius: 50%;
    background: var(--navy-card);
    border: 1px solid rgba(133,193,233,0.5);
    color: var(--accent-bright);
    display: flex; align-items: center; justify-content: center;
    font-family: 'Cormorant Garamond', serif;
    font-weight: 600; font-size: 1.02rem;
  }
  .rc-name {
    font-family: 'Cormorant Garamond', serif;
    font-style: italic;
    font-weight: 600;
    font-size: 1.1rem;
    color: var(--accent-bright);
    line-height: 1.15;
  }
  .rc-role {
    font-family: 'Poppins', sans-serif;
    font-size: 0.68rem;
    color: var(--silver-muted);
    margin-top: 4px;
    letter-spacing: 0.04em;
    text-transform: uppercase;
  }
  .rc-stars { color: var(--accent); font-size: 0.9rem; letter-spacing: 2.5px; margin-bottom: 9px; }
  .rc-text {
    font-size: 0.89rem;
    line-height: 1.55;
    color: rgba(255,255,255,0.74);
    margin: 0;
  }
  .rc-arrow {
    align-self: center;
    flex-shrink: 0;
    width: 44px; height: 44px;
    border-radius: 50%;
    background: rgba(200,212,224,0.05);
    border: 1px solid var(--border-strong);
    color: var(--silver);
    font-size: 1.4rem; line-height: 1;
    display: flex; align-items: center; justify-content: center;
    cursor: pointer;
    transition: all 0.2s ease;
  }
  .rc-arrow:hover:not(:disabled) { background: var(--accent); border-color: var(--accent); color: var(--navy-deep); }
  .rc-arrow:disabled { opacity: 0.28; cursor: default; }

  /* footer cta */
  .reviews-footer { margin-top: 30px; text-align: center; }
  .reviews-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    color: var(--silver);
    border: 1px solid var(--border-strong);
    padding: 13px 28px;
    border-radius: 999px;
    font-weight: 500;
    font-size: 0.92rem;
    transition: all 0.25s ease;
  }
  .reviews-cta:hover {
    background: rgba(200,212,224,0.08);
    border-color: var(--silver);
    transform: translateY(-1px);
  }
  .reviews-hint {
    font-size: 0.82rem;
    color: var(--silver-muted);
    margin: 16px auto 0;
    max-width: 440px;
  }
  .rc-avatar-img {
    width: 44px; height: 44px; flex-shrink: 0;
    border-radius: 50%;
    object-fit: cover;
    border: 1px solid rgba(133,193,233,0.5);
  }
  .rc-attribution {
    color: var(--silver-muted);
    font-size: 0.8rem;
    letter-spacing: 0.02em;
    margin: 0 0 16px;
  }
  .rc-attribution .rc-rating { color: var(--accent-bright); font-weight: 600; }
  .rc-attribution .rc-gicon { color: var(--silver); font-weight: 600; }
  @media (max-width: 900px) {
    .review-card { flex: 0 0 calc((100% - 18px) / 2); }
  }
  @media (max-width: 600px) {
    .review-card { flex: 0 0 86%; }
    .rc-arrow { display: none; }
    .testimonials { padding: 40px 18px 44px; }
  }

  /* ============================================================
     FAQ
     ============================================================ */
  .faq-section {
    background: var(--navy-deep);
    padding: 64px 40px;
  }
  .faq-inner { max-width: 820px; margin: 0 auto; }
  .faq-header { text-align: center; margin-bottom: 48px; }
  .faq-header h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 600;
    margin: 0;
    letter-spacing: -0.015em;
  }
  .faq-item {
    background: var(--navy-light);
    border: 1px solid var(--border-silver);
    border-radius: 12px;
    margin-bottom: 12px;
    overflow: hidden;
  }
  .faq-item summary {
    list-style: none;
    cursor: pointer;
    padding: 20px 28px;
    font-weight: 500;
    color: var(--white);
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.98rem;
  }
  .faq-item summary::-webkit-details-marker { display: none; }
  .faq-item summary::after {
    content: '+';
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.6rem;
    color: var(--silver);
    font-weight: 400;
    line-height: 1;
    transition: transform 0.2s;
  }
  .faq-item[open] summary::after {
    content: '–';
  }
  .faq-item .faq-body {
    padding: 0 28px 22px;
    color: rgba(255,255,255,0.7);
    font-size: 0.94rem;
    line-height: 1.65;
  }

  /* ============================================================
     CONTACT / QUOTE WIZARD
     ============================================================ */
  .contact-section {
    background: var(--paper);
    color: var(--ink);
    padding: 64px 40px;
  }
  .contact-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 64px;
    align-items: start;
  }
  .contact-left .eyebrow { color: var(--accent-deep); }
  .contact-left h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(2rem, 4vw, 2.8rem);
    font-weight: 600;
    color: var(--ink);
    margin: 0 0 20px;
    letter-spacing: -0.015em;
  }
  .contact-left > p {
    color: var(--ink-soft);
    margin: 0 0 32px;
    line-height: 1.65;
  }
  .contact-item {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    padding: 16px 0;
    border-top: 1px solid #E5E7EB;
    color: var(--ink);
  }
  .contact-item:last-child { border-bottom: 1px solid #E5E7EB; }
  .c-icon-wrap {
    flex-shrink: 0;
    width: 36px; height: 36px;
    border-radius: 8px;
    background: var(--cream);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
  }
  .c-label {
    font-size: 0.78rem;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 3px;
  }
  .c-val {
    font-size: 0.98rem;
    font-weight: 500;
    color: var(--ink);
  }
  .quote-pull {
    margin-top: 32px;
    padding: 24px;
    background: var(--cream);
    border-radius: 12px;
    border-left: 3px solid var(--navy);
  }
  .quote-pull p {
    font-family: 'Cormorant Garamond', serif;
    font-style: italic;
    color: var(--ink);
    margin: 0 0 12px;
    line-height: 1.5;
    font-size: 1rem;
  }
  .quote-pull .sig {
    font-size: 0.84rem;
    color: var(--ink-muted);
  }

  /* ── Quote wizard styles (preserved from existing) ── */
  .contact-form-box.wizard-box {
    background: var(--white);
    border-radius: 16px;
    padding: 40px;
    border: 1px solid #E5E7EB;
    box-shadow: 0 12px 40px rgba(30,42,56,0.08);
  }
  .wizard-eyebrow {
    font-size: 11px;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.16em;
    margin-bottom: 10px;
    font-weight: 600;
  }
  .contact-form-box.wizard-box h3 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.8rem;
    color: var(--ink);
    margin: 0 0 6px;
    font-weight: 600;
  }
  .contact-form-box.wizard-box > .wizard-sub {
    font-size: 0.9rem;
    color: var(--ink-muted);
    margin: 0 0 24px;
  }
  .wizard-progress {
    height: 4px;
    background: #E5E7EB;
    border-radius: 999px;
    margin-bottom: 12px;
    overflow: hidden;
  }
  .wizard-progress-bar {
    height: 100%;
    background: var(--navy);
    width: 33%;
    transition: width 0.3s ease;
    border-radius: 999px;
  }
  .wizard-steps {
    display: flex;
    justify-content: space-between;
    margin-bottom: 28px;
    padding: 0 4px;
  }
  .wizard-step-dot {
    width: 28px; height: 28px;
    border-radius: 50%;
    background: #E5E7EB;
    color: var(--ink-muted);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.78rem;
    font-weight: 600;
  }
  .wizard-step-dot.active {
    background: var(--navy);
    color: var(--white);
  }
  .wizard-step-dot.complete {
    background: var(--silver);
    color: var(--navy);
  }
  .wizard-panel { display: none; }
  .wizard-panel.active { display: block; animation: fadeUp 0.35s ease both; }
  .wizard-panel h4.wizard-q {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.3rem;
    color: var(--ink);
    margin: 0 0 6px;
    font-weight: 600;
  }
  .wizard-panel .wizard-help {
    font-size: 0.85rem;
    color: var(--ink-muted);
    margin: 0 0 22px;
  }
  .opt-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
    margin-bottom: 20px;
  }
  .opt-card {
    background: var(--paper);
    border: 1.5px solid #E5E7EB;
    border-radius: 10px;
    padding: 14px 16px;
    cursor: pointer;
    transition: all 0.2s;
    text-align: left;
    color: var(--ink);
  }
  .opt-card:hover { border-color: var(--navy); }
  .opt-card.selected {
    background: var(--cream);
    border-color: var(--navy);
  }
  .opt-card .opt-icon {
    color: var(--navy);
    margin-bottom: 8px;
  }
  .opt-card.selected .opt-icon { color: var(--navy); }
  .opt-card .opt-title {
    font-weight: 600;
    font-size: 0.92rem;
    margin-bottom: 2px;
  }
  .opt-card .opt-desc {
    font-size: 0.78rem;
    color: var(--ink-muted);
  }
  .form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-bottom: 18px;
  }
  .form-group { margin-bottom: 14px; }
  .form-group label {
    display: block;
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--ink);
    margin-bottom: 6px;
    letter-spacing: 0.02em;
  }
  .form-group label .req { color: #DC2626; margin-left: 2px; }
  .form-group input,
  .form-group select,
  .form-group textarea {
    width: 100%;
    padding: 11px 14px;
    border: 1.5px solid #E5E7EB;
    border-radius: 8px;
    font-size: 0.95rem;
    font-family: inherit;
    color: var(--ink);
    background: var(--white);
    transition: border-color 0.2s;
  }
  .form-group input:focus,
  .form-group select:focus,
  .form-group textarea:focus {
    outline: none;
    border-color: var(--navy);
  }
  .form-group input[readonly] {
    background: #F4F4F1;
    color: var(--ink-muted);
  }
  .field-error {
    font-size: 0.78rem;
    color: #DC2626;
    margin-top: 6px;
    min-height: 1em;
  }
  .wizard-nav {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    margin-top: 18px;
  }
  .wizard-back, .wizard-next {
    padding: 11px 22px;
    border-radius: 999px;
    font-size: 0.9rem;
    font-weight: 600;
    cursor: pointer;
    border: none;
    font-family: inherit;
    transition: all 0.2s;
  }
  .wizard-back {
    background: transparent;
    color: var(--ink-muted);
    border: 1.5px solid #E5E7EB;
  }
  .wizard-back:hover { color: var(--ink); border-color: var(--ink-muted); }
  .wizard-next {
    background: var(--navy);
    color: var(--white);
    margin-left: auto;
  }
  .wizard-next:hover { background: var(--navy-light); }
  .lang-row {
    display: flex;
    gap: 8px;
    margin-bottom: 16px;
  }
  .lang-pill {
    flex: 1;
    padding: 10px;
    border: 1.5px solid #E5E7EB;
    border-radius: 8px;
    background: var(--white);
    cursor: pointer;
    text-align: center;
    font-size: 0.88rem;
    color: var(--ink);
    transition: all 0.2s;
  }
  .lang-pill.selected {
    background: var(--cream);
    border-color: var(--navy);
    font-weight: 600;
  }
  .consent-row {
    font-size: 0.78rem;
    color: var(--ink-muted);
    line-height: 1.5;
    margin: 16px 0;
  }
  .consent-row a { color: var(--navy); text-decoration: underline; }
  .consent-line {
    font-size: 0.75rem;
    color: var(--text-muted);
    line-height: 1.5;
    margin: 14px 0 4px;
    text-align: center;
  }
  .consent-line a { color: var(--text-secondary); text-decoration: underline; }
  .form-submit {
    background: var(--navy);
    color: var(--white);
    border: none;
    padding: 13px 28px;
    border-radius: 999px;
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    width: 100%;
    margin-top: 8px;
    transition: all 0.2s;
    font-family: inherit;
  }
  .form-submit:hover { background: var(--navy-light); }
  .form-status {
    margin-top: 12px;
    font-size: 0.85rem;
    text-align: center;
  }
  .form-status.success { color: #15803D; }
  .form-status.error { color: #DC2626; }

  /* ============================================================
     FOOTER
     ============================================================ */
  footer.shc-footer {
    background: var(--navy-deep);
    border-top: 1px solid var(--border-silver);
    padding: 56px 40px 32px;
    color: rgba(255,255,255,0.6);
    font-size: 0.85rem;
  }
  .footer-grid {
    max-width: 1180px;
    margin: 0 auto 36px;
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 48px;
  }
  .footer-grid h4 {
    color: var(--silver);
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    margin: 0 0 14px;
    font-weight: 600;
  }
  .footer-grid ul {
    list-style: none;
    padding: 0;
    margin: 0;
  }
  .footer-grid li { margin-bottom: 8px; }
  .footer-grid a { color: rgba(255,255,255,0.6); transition: color 0.2s; }
  .footer-grid a:hover { color: var(--silver); }
  .footer-bottom {
    max-width: 1100px;
    margin: 0 auto;
    border-top: 1px solid var(--border-silver);
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
    font-size: 0.78rem;
  }
  .footer-legal {
    max-width: 1100px;
    margin: 24px auto 0;
    color: rgba(255,255,255,0.4);
    font-size: 0.75rem;
    line-height: 1.5;
    text-align: center;
  }

  /* ============================================================
     ANIMATIONS
     ============================================================ */
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(12px); }
    to   { opacity: 1; transform: translateY(0); }
  }
  .reveal {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.7s ease, transform 0.7s ease;
  }
  .reveal.in {
    opacity: 1;
    transform: translateY(0);
  }

  /* ============================================================
     RESPONSIVE
     ============================================================ */
  @media (max-width: 900px) {
    .shc-nav-links { display: none; }
    nav.shc-nav { padding: 0 20px; }
    .hero { padding: 46px 22px 72px; }
    .hero-trust { gap: 22px 30px; }
    .pain-section, .reveal-section, .coverage-section, .process-section,
    .about-section, .testimonials, .faq-section, .contact-section { padding: 46px 22px; }
    .pain-top { grid-template-columns: 1fr; gap: 16px; }
    .pain-cards, .coverage-grid, .process-steps { grid-template-columns: 1fr; }
    .consequence-grid { grid-template-columns: repeat(2, 1fr); }
    .about-inner, .contact-inner { grid-template-columns: 1fr; gap: 40px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
    .opt-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
  }

/* ===== block 2 — was inline in index.html: <style id="saintellus-clean-redesign"> ===== */
  /* Clean, editorial card system inspired by the supplied reference. */
  :root {
    --accent: #85C1E9;
    --accent-bright: #B8DCF3;
    --accent-deep: #527FA0;
    --surface-blue: #EEF6FB;
    --surface-soft: #F6F8FA;
    --card-shadow: 0 12px 28px rgba(30,42,56,.10), 0 5px 0 rgba(30,42,56,.05);
  }

  .eyebrow { color: var(--accent); text-shadow: none; }
  .serif-it-gold { color: var(--silver-bright); }
  .btn-primary, .insight-cta, .audience-cta, .reviews-cta {
    background: var(--accent);
    color: var(--navy-deep);
    border: 1px solid var(--accent);
    box-shadow: 0 8px 20px rgba(133,193,233,.2);
  }
  .btn-primary:hover, .insight-cta:hover, .audience-cta:hover, .reviews-cta:hover {
    background: var(--accent-bright);
    border-color: var(--accent-bright);
  }

  nav.shc-nav { height: 72px; padding: 0 5vw; }
  .shc-nav-links { gap: 26px; }

  .hero.hero--portrait { padding: 84px 5vw 70px; }
  .hero--portrait .hero-inner {
    max-width: 1180px;
    display: grid;
    grid-template-columns: minmax(0,1.15fr) minmax(330px,.85fr);
    gap: 70px;
    align-items: center;
    text-align: left;
  }
  .hero--portrait .hero-title { max-width: 700px; }
  .hero--portrait .hero-sub { max-width: 680px; margin-left: 0; }
  .hero--portrait .hero-cta-row { justify-content: flex-start; }
  .hero--portrait .hero-trust { justify-content: flex-start; }
  .hero-figure { width: 100%; }
  .hero-figure { position: relative; }
  .hero-figure > img {
    width: 100%;
    aspect-ratio: 4 / 5;
    object-fit: cover;
    border-radius: 20px;
    border: 1px solid rgba(200,212,224,.35);
    box-shadow: 0 24px 52px rgba(0,0,0,.28);
  }
  .hero-image-badge {
    position: absolute;
    left: 22px;
    bottom: 22px;
    padding: 10px 15px;
    border-radius: 999px;
    background: rgba(30,42,56,.92);
    border: 1px solid rgba(200,212,224,.38);
    color: var(--silver-bright);
    font-size: .78rem;
    font-weight: 700;
    backdrop-filter: blur(8px);
  }
  .hero-assurance-card {
    background: var(--white);
    color: var(--ink);
    border: 1px solid rgba(200,212,224,.8);
    border-top: 6px solid var(--accent);
    border-radius: 18px;
    padding: 34px;
    box-shadow: 0 22px 50px rgba(0,0,0,.24);
  }
  .hero-assurance-card .eyebrow { margin-bottom: 10px; color: var(--accent-deep); }
  .hero-assurance-card h2 { font-family: Inter,sans-serif; font-size: 1.55rem; line-height: 1.25; margin: 0 0 22px; }
  .hero-assurance-card ul { list-style: none; padding: 0; margin: 0 0 24px; }
  .hero-assurance-card li { position: relative; padding: 10px 0 10px 28px; border-bottom: 1px solid #E7EDF2; color: var(--ink-soft); }
  .hero-assurance-card li::before { content: '\2713'; position: absolute; left: 0; color: var(--accent-deep); font-weight: 800; }
  .hero-assurance-card a { color: var(--navy); font-weight: 700; }

  .pain-section, .coverage-section, .process-section, .audience-section,
  .about-section, .testimonials, .privacy-section, .faq-section, .contact-section { padding-top: 86px; padding-bottom: 86px; }

  .private-insight {
    background: var(--navy-deep);
    color: var(--white);
    padding: 92px 24px;
  }
  .private-insight .reveal-inner { max-width: 760px; margin: 0 auto; text-align: center; }
  /* Display serif, matching the hero — the section used to be Inter bold, which
     read as a different site from the headline above it. */
  .private-insight h2 {
    font-family: 'Cormorant Garamond', Georgia, serif;
    font-weight: 600;
    font-size: clamp(2.3rem, 4.8vw, 3.7rem);
    line-height: 1.08;
    letter-spacing: -.02em;
  }
  .private-insight h2 em {
    font-family: 'Cormorant Garamond', Georgia, serif;
    font-style: italic; font-weight: 500;
    color: var(--accent);
  }
  /* Body copy, not italic display type — this paragraph is meant to be read. */
  .private-insight .reveal-tagline {
    font-family: Inter, sans-serif;
    font-style: normal;
    max-width: 760px;
    margin: 26px auto 8px;
    color: rgba(255,255,255,.82);
    font-size: 1.12rem;
    line-height: 1.75;
  }
  .legacy-insight-points { display: none; }
  .insight-divider { height: 28px; margin: 30px auto 16px; border-top: 1px solid rgba(133,193,233,.35); color: var(--accent); }
  .insight-divider span { position: relative; top: -14px; background: var(--navy-deep); padding: 0 12px; }
  .insight-cta, .audience-cta { display: inline-flex; padding: 12px 24px; border-radius: 999px; font-weight: 700; }

  .coverage-section { background: var(--surface-blue); }
  .coverage-header, .audience-header, .privacy-header { text-align: center; max-width: 760px; margin: 0 auto 44px; }
  .coverage-header h2, .audience-header h2, .privacy-header h2, .faq-header h2 { font-family: Inter,sans-serif; }
  /* Six coverage cards, so three across gives two full rows. Four columns
     left the fifth and sixth stranded on a row of their own. */
  .coverage-grid { grid-template-columns: repeat(3,minmax(0,1fr)); gap: 24px; }
  .cov-card {
    border: 1px solid #E0E7ED;
    border-top: 6px solid var(--accent);
    border-radius: 14px;
    box-shadow: var(--card-shadow);
    padding: 28px 24px;
  }
  .cov-card:hover { transform: translateY(-4px); border-color: var(--accent); }
  .cov-icon { background: var(--surface-blue); color: var(--accent-deep); }
  .cov-link { color: var(--accent-deep); }

  .audience-section { background: #F3F8FB; color: var(--ink); }
  .audience-inner, .privacy-inner { max-width: 980px; margin: 0 auto; padding: 0 24px; text-align: center; }
  .audience-header p, .privacy-header p { color: var(--ink-muted); }
  .audience-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 18px; text-align: left; }
  .audience-card { display: flex; gap: 18px; align-items: center; padding: 22px; background: #fff; border: 1px solid #E0E7ED; border-radius: 14px; box-shadow: var(--card-shadow); }
  .audience-icon { display: grid; place-items: center; flex: 0 0 50px; height: 50px; border-radius: 12px; background: var(--surface-blue); color: var(--accent-deep); font-weight: 800; }
  .audience-card h3 { font-size: 1rem; margin: 0 0 5px; }
  .audience-card p { color: var(--ink-muted); margin: 0; font-size: .9rem; line-height: 1.5; }
  .audience-cta { margin-top: 36px; }

  .about-section { background: var(--navy-deep); }
  .about-inner { max-width: 1060px; }
  .about-pillar { background: rgba(255,255,255,.06); border-color: rgba(200,212,224,.24); }
  .about-team { display: block; max-width: 1060px; margin: 74px auto 0; padding-top: 62px; border-top: 1px solid rgba(200,212,224,.18); scroll-margin-top: 90px; }
  .about-team-head { max-width: 690px; margin: 0 auto 36px; text-align: center; }
  .about-team-head h3 { font-family: Inter,sans-serif; }
  .team-grid { grid-template-columns: repeat(4,minmax(0,1fr)); }
  .team-card { border-color: rgba(200,212,224,.25); background: rgba(255,255,255,.06); }
  .team-photo-wrap { background: #111A24; }
  .team-photo-wrap img { object-fit: cover; object-position: top center; }

  .testimonials { background: #fff; }
  .testimonials-inner { max-width: 940px; }
  .testimonials h2 { font-family: Inter,sans-serif; }
  .reviews-carousel { max-width: 760px; margin-left: auto; margin-right: auto; }
  .review-card { border: 2px solid var(--accent); box-shadow: var(--card-shadow); background: var(--surface-blue); }
  .rc-stars { color: var(--accent-deep); }
  .rc-arrow:hover:not(:disabled) { background: var(--accent); border-color: var(--accent); color: var(--navy-deep); }

  .privacy-section { background: var(--surface-soft); color: var(--ink); }
  .privacy-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 24px; text-align: left; }
  .privacy-card { background: #fff; border: 1px solid #E0E7ED; border-radius: 15px; padding: 28px 24px; box-shadow: 0 10px 25px rgba(30,42,56,.08); }
  .privacy-icon { color: var(--accent-deep); font-weight: 800; margin-bottom: 18px; }
  .privacy-card h3 { margin: 0 0 10px; font-size: 1rem; }
  .privacy-card p { color: var(--ink-muted); margin: 0; font-size: .9rem; }
  .privacy-link { margin: 28px 0 0; color: var(--ink-muted); }
  .privacy-link a { color: var(--accent-deep); font-weight: 700; text-decoration: underline; }

  .faq-section { background: #fff; }
  .faq-inner { max-width: 700px; }
  .faq-header { text-align: center; }
  .faq-item { border: 1px solid #E0E7ED; border-radius: 0; margin: -1px 0 0; box-shadow: none; }
  .faq-item:first-of-type { border-radius: 14px 14px 0 0; }
  .faq-item:last-of-type { border-radius: 0 0 14px 14px; }

  .contact-section { background: var(--surface-blue); }

  @media (max-width: 980px) {
    .hero--portrait .hero-inner { grid-template-columns: 1fr; gap: 44px; }
    .coverage-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
    .team-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  }
  @media (max-width: 700px) {
    .hero.hero--portrait { padding: 52px 22px 60px; }
    .hero-assurance-card { padding: 26px 22px; }
    .coverage-grid, .audience-grid, .privacy-grid { grid-template-columns: 1fr; }
    .team-grid { grid-template-columns: repeat(2,minmax(0,1fr)); gap: 14px; }
    .pain-section, .coverage-section, .process-section, .audience-section,
    .about-section, .testimonials, .privacy-section, .faq-section, .contact-section { padding-top: 58px; padding-bottom: 58px; }
  }

/* ===== block 3 — was inline in index.html: <style id="final-visual-normalization"> ===== */
  /* Final cascade layer: prevents legacy section rules from leaking into the redesign. */
  :root {
    --navy-deep: #1E2A38;
    --navy: #1E2A38;
    --navy-light: #34495E;
    --navy-card: #38506A;
    --cream-base: #F4F1EA;
    --cream-soft: #FAF8F3;
    --cream-deep: #EAE3D7;
    --surface-blue: var(--cream-base);
    --surface-soft: var(--cream-soft);
  }
  body { background: #FFFFFF !important; }
  .cov-card { color: inherit; text-decoration: none; }
  .top-broker-ribbon {
    min-height: 38px; padding: 9px 20px; display: flex; align-items: center;
    justify-content: center; gap: 12px; background: var(--cream-base);
    color: var(--navy-deep); border-bottom: 1px solid #BFD8E8;
    font-family: Inter, sans-serif; font-size: .76rem; font-weight: 800;
    letter-spacing: .14em; line-height: 1.2; text-align: center; text-transform: uppercase;
  }
  .top-broker-ribbon span { color: var(--accent-deep); }
  .shc-nav, .hero, .pain-section, .private-insight,
  .about-section, footer { background-color: var(--navy-deep) !important; }
  .shc-nav { border-bottom-color: rgba(255,255,255,.14) !important; }
  .hero-sub, .pain-section p, .about-left p, .about-team-head p { color: rgba(255,255,255,.78) !important; }
  .private-insight h2 { color: #FFFFFF !important; }
  .private-insight h2 em { color: #D8E2EE !important; }
  .private-insight .reveal-tagline { color: rgba(255,255,255,.78) !important; }
  .hero .eyebrow, .pain-section .eyebrow, .private-insight .eyebrow,
  .about-section .eyebrow { color: #D8E2EE !important; }
  .hero-title, .pain-section h2, .private-insight h2,
  .about-left h2, .about-team-head h3 { color: #FFFFFF !important; }
  .reveal, .reveal-left, .reveal-scale, .reveal-stagger {
    opacity: 1 !important;
    transform: none !important;
  }

  .coverage-header h2, .process-header h2, .audience-header h2,
  .about-left h2, .testimonials h2, .privacy-header h2,
  .faq-header h2, .contact-left h2 {
    font-family: Inter, sans-serif !important;
    font-size: clamp(1.9rem, 3vw, 2.55rem) !important;
    line-height: 1.16 !important;
    letter-spacing: -0.025em !important;
  }
  .coverage-header h2, .process-header h2, .audience-header h2,
  .privacy-header h2, .faq-header h2, .contact-left h2 {
    color: var(--ink) !important;
  }
  .about-left h2, .testimonials h2 { color: var(--white) !important; }
  .coverage-header p, .process-header p, .audience-header p,
  .privacy-header p, .faq-header p, .testimonials-sub {
    font-family: Inter, sans-serif !important;
    font-size: 1rem !important;
    line-height: 1.65 !important;
  }

  .process-time {
    font-family: Inter, sans-serif !important;
    font-size: inherit !important;
    font-style: normal !important;
    font-weight: 700 !important;
    color: var(--accent-deep) !important;
    white-space: nowrap;
  }

  .coverage-section, .process-section, .audience-section,
  .testimonials, .privacy-section, .faq-section, .contact-section {
    background: #FFFFFF !important; border-color: var(--cream-deep) !important;
  }
  .coverage-header p, .process-header p, .audience-header p,
  .privacy-header p, .faq-header p { color: var(--ink-muted) !important; }
  .coverage-header h2, .process-header h2, .audience-header h2,
  .privacy-header h2, .faq-header h2 { color: var(--ink) !important; }
  .cov-card, .audience-card, .privacy-card, .faq-item,
  .review-card, .contact-form-box {
    background: var(--cream-base) !important;
    border-color: var(--cream-deep) !important;
  }
  .cov-card h3, .audience-card h3 { color: var(--ink) !important; }
  .cov-card p, .audience-card p { color: var(--ink-muted) !important; }
  .cov-link { color: var(--navy) !important; }
  .cov-icon, .audience-icon { background: var(--cream-soft) !important; }
  .cov-icon, .audience-icon, .privacy-icon { color: var(--navy) !important; }
  .btn-primary, .audience-cta, .insight-cta, .review-cta, .form-submit {
    background: var(--navy) !important;
    color: #FFFFFF !important;
    border-color: var(--navy) !important;
  }
  .btn-primary:hover, .audience-cta:hover, .insight-cta:hover,
  .review-cta:hover, .form-submit:hover { background: var(--navy-light) !important; }

  .testimonials { color: var(--ink) !important; }
  .testimonials h2 { color: var(--ink) !important; }
  .testimonials .serif-it-gold {
    font-family: Inter, sans-serif !important;
    font-style: normal !important;
    color: var(--accent-deep) !important;
  }
  .testimonials-sub { color: var(--ink-muted) !important; }
  .trust-pill {
    background: var(--cream-base) !important;
    border-color: #D8E1E8 !important;
    color: var(--ink-soft) !important;
    opacity: 1 !important;
  }
  .trust-pill span, .trust-pill svg { color: var(--ink-soft) !important; opacity: 1 !important; }
  .review-card {
    background: var(--cream-base) !important;
    color: var(--ink) !important;
    border: 1px solid #C9D7E2 !important;
  }
  .rc-name, .rc-text { color: var(--ink) !important; opacity: 1 !important; }
  .rc-name { font-family: Inter, sans-serif !important; font-style: normal !important; font-weight: 700 !important; }
  .rc-role { color: var(--ink-muted) !important; opacity: 1 !important; }
  .rc-stars { color: var(--accent-deep) !important; opacity: 1 !important; }

  .privacy-header h2 { color: var(--ink) !important; }
  .privacy-card { background: var(--cream-base) !important; color: var(--ink) !important; }
  .privacy-card h3 { color: var(--ink) !important; }
  .privacy-card p { color: var(--ink-muted) !important; }

  .faq-section { color: var(--ink) !important; }
  .faq-header h2 { color: var(--ink) !important; white-space: normal !important; }
  .faq-item {
    background: var(--cream-base) !important;
    border-color: #DCE4EB !important;
    color: var(--ink) !important;
  }
  .faq-item summary {
    background: var(--cream-base) !important;
    color: var(--ink) !important;
    font-family: Inter, sans-serif !important;
    font-size: 1rem !important;
    font-weight: 600 !important;
  }
  .faq-item summary::after { color: var(--accent-deep) !important; }
  .faq-body {
    background: var(--cream-soft) !important;
    color: var(--ink-soft) !important;
    font-family: Inter, sans-serif !important;
    font-size: .95rem !important;
  }

  .about-team-head h3 {
    font-family: Inter, sans-serif !important;
    font-size: clamp(1.9rem, 3vw, 2.45rem) !important;
    line-height: 1.18 !important;
  }
  .about-team-head .serif-it {
    font-family: Inter, sans-serif !important;
    font-style: normal !important;
    color: var(--accent) !important;
  }
  .about-pillar { background: rgba(255,255,255,.09) !important; border-color: rgba(216,226,238,.42) !important; }
  .about-pillar h4 { color: #FFFFFF !important; }
  .about-pillar p { color: #D8E2EE !important; }
  .contact-left h2 { color: var(--ink) !important; }
  .contact-emphasis {
    font-family: Inter, sans-serif !important; font-style: normal !important;
    font-weight: 800 !important; color: var(--accent-deep) !important;
  }
  .contact-form-box { box-shadow: 0 20px 55px rgba(21,63,122,.12) !important; }
  .contact-item, .quote-pull { border-color: var(--cream-deep) !important; }
  /* Requested legacy-blue treatment for the three referenced sections. */
  .shc-nav, .hero, .about-section, .faq-section {
    background: #293D50 !important;
  }
  .about-section .team-info { background: #334B61 !important; }
  .faq-header h2 { color: #FFFFFF !important; }
  .faq-header .eyebrow { color: #D8E2EE !important; }
  .faq-item {
    background: var(--cream-base) !important;
    border-color: var(--cream-deep) !important;
  }
  /* Cream replaces the former silver treatment throughout the brand system. */
  :root {
    --silver: #F4F1EA;
    --silver-bright: #FFF9EE;
    --silver-muted: #EAE3D7;
    --border-silver: rgba(244,241,234,.28);
  }
  /* The problem and private-plan message are two distinct legacy-blue sections. */
  .pain-section, .private-insight {
    background: #293D50 !important;
    color: #FFFFFF !important;
  }
  .private-insight { border-top: 0 !important; }
  .pain-section h2, .private-insight h2 { color: #FFFFFF !important; }
  .pain-section p, .private-insight .reveal-tagline { color: var(--cream-deep) !important; }
  .pain-card {
    background: #334B61 !important;
    border-color: rgba(244,241,234,.34) !important;
  }
  .pain-card h3, .pain-card p, .pain-card .serif-it { color: var(--cream-base) !important; }
  .pain-card .pain-num { background: var(--cream-base) !important; color: #293D50 !important; }
  .pain-card .pain-icon, .pain-card svg { color: var(--cream-base) !important; }
  .private-insight h2 em, .private-insight .eyebrow { color: var(--cream-base) !important; }
  .insight-divider { color: var(--cream-base) !important; }
  .private-insight .insight-cta {
    background: var(--cream-base) !important;
    border-color: var(--cream-base) !important;
    color: #293D50 !important;
  }
  /* Footer returns to the same previous blue. */
  footer.shc-footer { background: #293D50 !important; }
  .footer-grid h4, .footer-grid a:hover { color: var(--cream-base) !important; }
  .footer-grid p, .footer-grid a, .footer-bottom, .footer-legal,
  footer.shc-footer, footer.shc-footer * { color: #FFFFFF !important; }
  .team-info h4 {
    font-family: Inter, sans-serif !important;
    font-size: 1.05rem !important;
    color: var(--white) !important;
  }
  .team-role { font-family: Inter, sans-serif !important; color: var(--silver) !important; }
  .team-photo-wrap,
  .team-photo-bg { background: #FFFFFF !important; }
  .petrina-card .team-photo-wrap img {
    object-fit: cover !important;
    object-position: center top !important;
  }

  .review-loading {
    align-items: center;
    justify-content: center;
    min-height: 190px;
    text-align: center;
  }
  @media (max-width: 700px) {
    .coverage-header h2, .process-header h2, .audience-header h2,
    .about-left h2, .testimonials h2, .privacy-header h2,
    .faq-header h2, .contact-left h2 { font-size: 1.9rem !important; }
    .faq-item summary { font-size: .94rem !important; }
  }

  /* ============================================================
     REFINEMENT LAYER — trust section, focus states, motion
     Appended last on purpose: the blocks above are historical
     override passes, so anything that has to win lives here.
     ============================================================ */

  /* ---- "Why should I trust you?" — split layout, mirrors .about-inner ---- */
  .faq-inner.faq-split{
    max-width:1100px;
    display:grid;
    grid-template-columns:1.05fr 1fr;
    gap:64px;
    align-items:start;
  }
  .faq-left .eyebrow{ color:#EAE3D7; }
  .faq-left h2{
    font-family:'Cormorant Garamond',Georgia,serif;
    font-size:clamp(2rem,4vw,3rem);
    font-weight:600;
    line-height:1.1;
    letter-spacing:-.015em;
    color:#FFFFFF;
    margin:0 0 24px;
  }
  .faq-left p{
    color:rgba(255,255,255,.78);
    font-size:1rem;
    line-height:1.7;
    margin:0 0 16px;
  }
  .faq-left p strong{ color:#F4F1EA; font-weight:600; }
  .faq-trust{
    list-style:none;
    margin:30px 0 0;
    padding:26px 0 0;
    border-top:1px solid rgba(244,241,234,.24);
    display:grid;
    gap:12px;
  }
  .faq-trust li{
    position:relative;
    padding-left:28px;
    font-size:.92rem;
    line-height:1.5;
    color:rgba(255,255,255,.86);
  }
  .faq-trust li::before{
    content:"";
    position:absolute; left:0; top:3px;
    width:17px; height:17px; border-radius:50%;
    background:rgba(244,241,234,.14);
    border:1px solid rgba(244,241,234,.42);
  }
  .faq-trust li::after{
    content:"";
    position:absolute; left:5.5px; top:8px;
    width:5px; height:8px;
    border:solid #F4F1EA; border-width:0 1.6px 1.6px 0;
    transform:rotate(45deg);
  }

  /* ---- accordion column ---- */
  .faq-right{ display:grid; gap:10px; }
  .faq-split .faq-item{
    margin:0 !important;
    border-radius:14px !important;
    overflow:hidden;
    transition:border-color .22s ease, box-shadow .22s ease, transform .22s ease;
  }
  .faq-split .faq-item:hover{
    border-color:#C3D0DC !important;
    box-shadow:0 8px 24px rgba(0,0,0,.16);
  }
  .faq-split .faq-item[open]{
    box-shadow:0 12px 32px rgba(0,0,0,.2);
  }
  .faq-split .faq-item summary{
    padding:18px 22px;
    line-height:1.4;
    gap:18px;
    transition:background .18s ease;
  }
  .faq-split .faq-item summary:focus-visible{
    outline:2px solid #527FA0;
    outline-offset:-3px;
    border-radius:12px;
  }
  .faq-split .faq-item summary::after{ transition:transform .22s ease; }
  .faq-split .faq-item .faq-body{
    padding:0 22px 20px;
    line-height:1.7;
  }
  .faq-split .faq-item[open] .faq-body{ animation:faqReveal .3s cubic-bezier(.2,.8,.2,1) both; }
  @keyframes faqReveal{
    from{ opacity:0; transform:translateY(-4px); }
    to{ opacity:1; transform:none; }
  }

  @media (max-width:900px){
    .faq-inner.faq-split{ grid-template-columns:1fr; gap:38px; }
    .faq-trust{ margin-top:24px; padding-top:22px; }
  }

  /* ---- global finish: visible focus, calmer motion ---- */
  a:focus-visible, button:focus-visible, summary:focus-visible,
  input:focus-visible, select:focus-visible, textarea:focus-visible{
    outline:2px solid #85C1E9;
    outline-offset:2px;
  }
  :where(section[id], [id]) { scroll-margin-top:96px; }
  @media (prefers-reduced-motion:reduce){
    *, *::before, *::after{
      animation-duration:.01ms !important;
      animation-iteration-count:1 !important;
      transition-duration:.01ms !important;
      scroll-behavior:auto !important;
    }
  }

  /* ---- CTA band: the button was being squeezed by the headline and
         wrapping onto two lines inside the pill ---- */
  .cta-inner .btn, .sh-cta-inner .sh-btn{ flex:0 0 auto; white-space:nowrap; }
  .cta-inner h2{ max-width:640px; }

  /* ---- reviews: keep the fallback state from reading as a broken layout ---- */
  .rc-track .review-loading{ flex:1 1 100%; }
  .reviews-hint{ color:var(--ink-muted); }

  /* ---- coverage cards: align the footer link across ragged copy lengths ---- */
  .cov-card{ display:flex; flex-direction:column; }
  .cov-card > :last-child{ margin-top:auto; }

  /* ---- inline links inside the trust block ---- */
  .faq-split .faq-body a{
    color:#2F6690; font-weight:600;
    text-decoration:underline; text-underline-offset:2px;
    text-decoration-thickness:1px; text-decoration-color:rgba(47,102,144,.42);
    transition:text-decoration-color .18s ease, color .18s ease;
  }
  .faq-split .faq-body a:hover{ color:#1F4B6E; text-decoration-color:currentColor; }
  .faq-trust a{
    color:#F4F1EA; font-weight:600;
    text-decoration:underline; text-underline-offset:2px;
    text-decoration-thickness:1px; text-decoration-color:rgba(244,241,234,.45);
    transition:text-decoration-color .18s ease;
  }
  .faq-trust a:hover{ text-decoration-color:currentColor; }