/* =========================================================
   Spherant Analytics — Shared base styles
   Reset, typography, nav, footer, buttons, utility classes
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

:root {
  --color-primary: #1A4B7A;
  --color-primary-light: #2B6BA7;
  --color-accent: #B87333;
  --color-accent-hover: #A66329;
  --color-charcoal: #2D3436;
  --color-slate: #5D6D7E;
  --color-white: #FEFEFE;
  --color-gray-100: #F4F4F5;
  --color-gray-200: #E5E7EB;
  --color-gray-300: #D1D5DB;
  --color-gray-400: #9CA3AF;
  --color-gray-500: #6B7280;
  --color-gray-700: #374151;

  --max-w: 1280px;
  --nav-h: 90px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-charcoal);
  background-color: var(--color-white);
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
ul { list-style: none; }
h1, h2, h3, h4, h5, h6 { line-height: 1.2; font-weight: 700; }

/* ---------- Container ---------- */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 16px;
}
@media (min-width: 640px) { .container { padding: 0 24px; } }
@media (min-width: 1024px) { .container { padding: 0 32px; } }

.container-narrow {
  max-width: 896px;
  margin: 0 auto;
  padding: 0 16px;
}
@media (min-width: 640px) { .container-narrow { padding: 0 24px; } }
@media (min-width: 1024px) { .container-narrow { padding: 0 32px; } }

/* ---------- Navigation ---------- */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 50;
  padding: 20px 0;
  background: transparent;
  transition: background 0.5s, padding 0.5s, box-shadow 0.5s;
}
.nav.scrolled {
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  padding: 12px 0;
  box-shadow: 0 10px 25px -3px rgba(0, 0, 0, 0.1);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: flex;
  align-items: center;
}
.nav-logo img {
  height: 70px;
  width: auto;
  object-fit: contain;
}
.nav-logo .logo-blue {
  display: none;
}
.nav.scrolled .nav-logo .logo-white {
  display: none;
}
.nav.scrolled .nav-logo .logo-blue {
  display: block;
}
/* Placeholder shown when no logo image; remove when adding logo */
.nav-logo .logo-placeholder {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  height: 70px;
  padding: 0 8px;
  color: var(--color-white);
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.01em;
}
.nav.scrolled .nav-logo .logo-placeholder { color: var(--color-primary); }
.nav-logo .logo-placeholder .logo-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  background: var(--color-accent);
  color: #fff;
  font-weight: 800;
  font-size: 22px;
}
.nav-logo .logo-placeholder .logo-accent { color: var(--color-accent); }

.nav-links {
  display: none;
  align-items: center;
  gap: 32px;
}
@media (min-width: 768px) { .nav-links { display: flex; } }

.nav-link {
  position: relative;
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.01em;
  color: var(--color-white);
  transition: color 0.3s;
  padding-bottom: 4px;
}
.nav-link:hover { color: var(--color-accent); }
.nav-link::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 0;
  height: 2px;
  width: 0;
  background: var(--color-accent);
  transition: width 0.3s;
}
.nav-link:hover::after,
.nav-link.active::after { width: 100%; }

.nav.scrolled .nav-link { color: var(--color-slate); }
.nav.scrolled .nav-link:hover { color: var(--color-primary); }
.nav.scrolled .nav-link.active { color: var(--color-primary); }

/* CTA button in nav */
.nav-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--color-accent);
  color: #fff;
  font-size: 14px;
  font-weight: 500;
  padding: 10px 24px;
  height: 38px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.12);
  transition: background 0.3s, box-shadow 0.3s;
}
.nav-cta:hover { background: var(--color-accent-hover); box-shadow: 0 10px 20px -6px rgba(0,0,0,0.2); }

/* Mobile menu */
.nav-mobile-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px;
  color: var(--color-white);
}
.nav.scrolled .nav-mobile-toggle { color: var(--color-primary); }
@media (min-width: 768px) { .nav-mobile-toggle { display: none; } }

.nav-mobile-panel {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: #fff;
  box-shadow: 0 20px 25px -5px rgba(0,0,0,0.1);
  max-height: 0;
  opacity: 0;
  overflow: hidden;
  transition: max-height 0.4s, opacity 0.3s;
}
.nav-mobile-panel.open {
  max-height: 500px;
  opacity: 1;
}
.nav-mobile-list {
  padding: 24px 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.nav-mobile-link {
  display: block;
  padding: 12px 16px;
  font-size: 16px;
  font-weight: 500;
  color: var(--color-slate);
  transition: color 0.2s;
}
.nav-mobile-link:hover { color: var(--color-primary); }
.nav-mobile-link.active {
  color: var(--color-primary);
  border-left: 2px solid var(--color-accent);
}
.nav-mobile-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 38px;
  margin-top: 12px;
  background: var(--color-accent);
  color: #fff;
  font-weight: 500;
  font-size: 14px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.12);
  transition: background 0.3s;
}
.nav-mobile-cta:hover { background: var(--color-accent-hover); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  padding: 12px 24px;
  transition: background 0.3s, color 0.3s, box-shadow 0.3s, transform 0.3s;
  white-space: nowrap;
}
.btn-primary {
  background: var(--color-accent);
  color: #fff;
  box-shadow: 0 1px 3px rgba(0,0,0,0.12);
}
.btn-primary:hover { background: var(--color-accent-hover); box-shadow: 0 20px 25px -5px rgba(0,0,0,0.2); }

.btn-secondary {
  background: var(--color-primary);
  color: #fff;
}
.btn-secondary:hover { background: var(--color-primary-light); box-shadow: 0 20px 25px -5px rgba(0,0,0,0.2); }

.btn-outline {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,0.3);
}
.btn-outline:hover { background: rgba(255,255,255,0.1); }

.btn-lg { padding: 20px 36px; font-size: 15px; }
.btn-xl { padding: 22px 44px; font-size: 16px; }

.btn .icon-arrow { transition: transform 0.3s; }
.btn:hover .icon-arrow { transform: translateX(4px); }

/* ---------- Section / hero base ---------- */
.section { padding: 96px 0; }
@media (max-width: 768px) { .section { padding: 64px 0; } }

.section-blue { background: var(--color-primary); color: #fff; }
.section-white { background: var(--color-white); }
.section-off { background: var(--color-white); }

.hero-blue {
  padding-top: 128px;
  padding-bottom: 80px;
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  position: relative;
  overflow: hidden;
  color: #fff;
}
.hero-blue .hero-shape-a,
.hero-blue .hero-shape-b {
  position: absolute;
  border: 1px solid rgba(255,255,255,0.18);
}
.hero-blue .hero-shape-a {
  top: 80px;
  right: 80px;
  width: 384px;
  height: 384px;
  transform: rotate(45deg);
}
.hero-blue .hero-shape-b {
  bottom: -80px;
  left: -80px;
  width: 256px;
  height: 256px;
  transform: rotate(12deg);
}

.hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 24px;
}
.hero-eyebrow .bar {
  width: 48px;
  height: 2px;
  background: var(--color-accent);
}
.hero-eyebrow .label {
  color: var(--color-accent);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.hero-title {
  font-size: clamp(32px, 5vw, 56px);
  color: #fff;
  margin-bottom: 24px;
  font-weight: 700;
  line-height: 1.15;
}
.hero-subtitle {
  font-size: clamp(18px, 2vw, 22px);
  color: rgba(229, 231, 235, 1);
  line-height: 1.6;
  max-width: 720px;
}

/* Eyebrow used in mid-page sections (light background) */
.eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}
.eyebrow-center { justify-content: center; }
.eyebrow .bar {
  width: 32px;
  height: 2px;
  background: var(--color-accent);
}
.eyebrow .label {
  color: var(--color-accent);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.section-title {
  font-size: clamp(28px, 4vw, 42px);
  color: var(--color-primary);
  margin-bottom: 24px;
}
.section-title.on-blue { color: #fff; }
.section-lead {
  font-size: 18px;
  color: var(--color-slate);
  line-height: 1.6;
  max-width: 640px;
}
.section-lead.on-blue { color: rgba(229, 231, 235, 1); }
.section-header-center {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 64px;
}

/* ---------- Footer ---------- */
.footer {
  background: var(--color-primary);
  color: #fff;
}
.footer-inner {
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  padding-bottom: 48px;
}
@media (min-width: 768px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 1024px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1.2fr; }
}

.footer-brand .footer-logo-wrap {
  display: inline-block;
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  padding: 16px;
  border-radius: 8px;
  margin-bottom: 24px;
}
.footer-brand .footer-logo-wrap img {
  height: 70px;
  width: auto;
  object-fit: contain;
}
.footer-brand .logo-placeholder {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  height: 70px;
  color: #fff;
  font-weight: 700;
  font-size: 22px;
}
.footer-brand .logo-placeholder .logo-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  background: var(--color-accent);
  color: #fff;
  font-weight: 800;
  font-size: 22px;
}
.footer-brand .logo-placeholder .logo-accent { color: var(--color-accent); }

.footer-text {
  color: rgba(209, 213, 219, 1);
  font-size: 14px;
  line-height: 1.7;
  margin-bottom: 24px;
}

.footer-socials {
  display: flex;
  gap: 16px;
}
.footer-social {
  width: 40px;
  height: 40px;
  border-radius: 999px;
  border: 1px solid #6B7280;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  transition: border-color 0.3s, color 0.3s;
}
.footer-social:hover { border-color: var(--color-accent); color: var(--color-accent); }

.footer-heading {
  color: var(--color-accent);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.footer-list { display: flex; flex-direction: column; gap: 12px; }
.footer-list a, .footer-list span {
  color: rgba(209, 213, 219, 1);
  font-size: 14px;
  transition: color 0.3s;
}
.footer-list a:hover { color: #fff; }

.footer-contact-row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.footer-contact-row.center { align-items: center; }
.footer-contact-row svg {
  color: var(--color-accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-bottom {
  border-top: 1px solid var(--color-gray-700);
  padding: 24px 0;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
@media (min-width: 768px) {
  .footer-bottom { flex-direction: row; }
}
.footer-copy {
  color: var(--color-gray-400);
  font-size: 14px;
}
.footer-legal-links {
  display: flex;
  gap: 24px;
  font-size: 14px;
}
.footer-legal-links a {
  color: var(--color-gray-400);
  transition: color 0.3s;
}
.footer-legal-links a:hover { color: #fff; }

/* ---------- Reveal-on-scroll animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}
.reveal.in {
  opacity: 1;
  transform: translateY(0);
}
.reveal-x-l {
  opacity: 0;
  transform: translateX(-40px);
  transition: opacity 0.8s ease-out, transform 0.8s ease-out;
}
.reveal-x-l.in {
  opacity: 1;
  transform: translateX(0);
}
.reveal-x-r {
  opacity: 0;
  transform: translateX(40px);
  transition: opacity 0.8s ease-out, transform 0.8s ease-out;
}
.reveal-x-r.in {
  opacity: 1;
  transform: translateX(0);
}
.reveal-fade {
  opacity: 0;
  transition: opacity 0.7s ease-out;
}
.reveal-fade.in { opacity: 1; }

/* Stagger helpers */
.reveal[data-delay="100"] { transition-delay: 0.1s; }
.reveal[data-delay="150"] { transition-delay: 0.15s; }
.reveal[data-delay="200"] { transition-delay: 0.2s; }
.reveal[data-delay="300"] { transition-delay: 0.3s; }
.reveal[data-delay="400"] { transition-delay: 0.4s; }
.reveal[data-delay="500"] { transition-delay: 0.5s; }
.reveal[data-delay="600"] { transition-delay: 0.6s; }

/* Respect reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
  .reveal, .reveal-x-l, .reveal-x-r, .reveal-fade {
    opacity: 1 !important;
    transform: none !important;
  }
}

/* ---------- Utility ---------- */
.icon-arrow { transition: transform 0.3s; }
.text-accent { color: var(--color-accent); }
/* =========================================================
   Homepage-specific styles
   ========================================================= */

/* ---------- Hero ---------- */
.home-hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  color: #fff;
}

.home-hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('../assets/images/property-underwriting.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  z-index: 0;
}

.home-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(26, 75, 122, 0.95) 0%,
    rgba(26, 75, 122, 0.85) 50%,
    rgba(26, 75, 122, 0.7) 100%
  );
  z-index: 1;
}

.hero-deco-a, .hero-deco-b {
  position: absolute;
  border: 1px solid rgba(184, 115, 51, 0.2);
  z-index: 2;
  display: none;
}
.hero-deco-a {
  top: 80px;
  right: 80px;
  width: 256px;
  height: 256px;
  transform: rotate(45deg);
}
.hero-deco-b {
  bottom: 160px;
  right: 160px;
  width: 128px;
  height: 128px;
  transform: rotate(12deg);
  border-color: rgba(184, 115, 51, 0.3);
}
@media (min-width: 1024px) {
  .hero-deco-a, .hero-deco-b { display: block; }
}

.home-hero-inner {
  position: relative;
  z-index: 3;
  width: 100%;
  padding-top: 128px;
  padding-bottom: 96px;
}

.home-hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 64px;
  align-items: center;
}
@media (min-width: 1024px) {
  .home-hero-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.home-hero-copy { max-width: 640px; }

.home-hero-title {
  font-size: clamp(36px, 5.5vw, 64px);
  font-weight: 700;
  color: #fff;
  line-height: 1.1;
  margin-bottom: 24px;
}

.home-hero-sub {
  font-size: clamp(17px, 1.8vw, 21px);
  color: rgba(209, 213, 219, 1);
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 520px;
}

.home-hero-actions {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
@media (min-width: 640px) { .home-hero-actions { flex-direction: row; } }

/* Right-side glass cards */
.home-hero-cards {
  display: none;
  flex-direction: column;
  gap: 24px;
}
@media (min-width: 1024px) { .home-hero-cards { display: flex; } }

.home-hero-card {
  display: flex;
  align-items: center;
  gap: 24px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: 24px;
  transition: background 0.3s;
}
.home-hero-card:hover { background: rgba(255, 255, 255, 0.15); }

.hero-card-icon {
  width: 56px;
  height: 56px;
  flex-shrink: 0;
  background: rgba(184, 115, 51, 0.2);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-card-title {
  font-size: 20px;
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
}
.hero-card-label {
  color: var(--color-gray-400);
  font-size: 14px;
  margin-top: 4px;
}

/* Bouncing scroll indicator */
.home-scroll-indicator {
  position: absolute;
  bottom: 40px;
  left: 50%;
  transform: translateX(-50%);
  animation: scroll-bounce 2s infinite;
}
.home-scroll-indicator .mouse {
  width: 24px;
  height: 40px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  border-radius: 999px;
  display: flex;
  justify-content: center;
  padding-top: 8px;
}
.home-scroll-indicator .wheel {
  width: 6px;
  height: 12px;
  background: var(--color-accent);
  border-radius: 999px;
}
@keyframes scroll-bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(10px); }
}

/* ---------- Services preview grid ---------- */
.services-preview-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}
@media (min-width: 768px) { .services-preview-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .services-preview-grid { grid-template-columns: repeat(4, 1fr); } }

.svc-card {
  position: relative;
  background: #fff;
  padding: 32px;
  height: 100%;
  border: 1px solid var(--color-gray-200);
  transition: border-color 0.5s, box-shadow 0.5s;
  overflow: hidden;
}
.svc-card:hover {
  border-color: rgba(184, 115, 51, 0.3);
  box-shadow: 0 20px 25px -5px rgba(0,0,0,0.1);
}

.svc-card-corner {
  position: absolute;
  top: -32px;
  right: -32px;
  width: 64px;
  height: 64px;
  background: rgba(184, 115, 51, 0.05);
  transform: rotate(45deg);
  transition: background 0.5s;
}
.svc-card:hover .svc-card-corner { background: rgba(184, 115, 51, 0.1); }

.svc-card-icon {
  width: 56px;
  height: 56px;
  background: var(--color-primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  transition: background 0.5s;
  position: relative;
}
.svc-card:hover .svc-card-icon { background: var(--color-accent); }

.svc-card-title {
  font-size: 20px;
  color: var(--color-primary);
  font-weight: 600;
  margin-bottom: 12px;
}
.svc-card-desc {
  color: var(--color-slate);
  font-size: 14px;
  line-height: 1.6;
}

.services-cta {
  text-align: center;
  margin-top: 48px;
}
.services-cta-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--color-primary);
  font-weight: 500;
  font-size: 15px;
  transition: color 0.3s;
}
.services-cta-link:hover { color: var(--color-accent); }

/* ---------- Why Spherant ---------- */
.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 64px;
  align-items: center;
}
@media (min-width: 1024px) { .why-grid { grid-template-columns: 1fr 1fr; } }

.why-image-wrap {
  position: relative;
}
.why-image-wrap img {
  width: 100%;
  height: 500px;
  object-fit: cover;
}
.why-image-badge {
  position: absolute;
  bottom: -32px;
  right: -32px;
  background: var(--color-primary);
  color: #fff;
  padding: 32px;
  max-width: 280px;
  box-shadow: 0 25px 50px -12px rgba(0,0,0,0.4);
}
.badge-num {
  font-size: 48px;
  font-weight: 700;
  color: var(--color-accent);
  line-height: 1;
  margin-bottom: 8px;
}
.badge-title { font-size: 18px; font-weight: 500; margin-bottom: 4px; }
.badge-sub { font-size: 14px; color: var(--color-gray-400); }

.why-image-corner {
  position: absolute;
  top: -16px;
  left: -16px;
  width: 128px;
  height: 128px;
  border-left: 4px solid var(--color-accent);
  border-top: 4px solid var(--color-accent);
}

.why-lead {
  font-size: 18px;
  color: var(--color-slate);
  line-height: 1.7;
  margin-bottom: 32px;
}

.why-features {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 32px;
}
.why-feature {
  display: flex;
  gap: 16px;
}
.why-feature-icon {
  width: 48px;
  height: 48px;
  background: rgba(184, 115, 51, 0.1);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.why-feature-title {
  font-size: 16px;
  color: var(--color-primary);
  font-weight: 600;
  margin-bottom: 4px;
}
.why-feature-desc {
  font-size: 14px;
  color: var(--color-slate);
  line-height: 1.6;
}

.why-capabilities {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  padding-top: 32px;
  border-top: 1px solid var(--color-gray-200);
}
.why-cap {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: var(--color-charcoal);
}
.why-cap-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--color-accent);
  flex-shrink: 0;
  position: relative;
}
.why-cap-dot::before {
  content: '';
  position: absolute;
  inset: 3px;
  border-radius: 50%;
  background: #fff;
}

/* ---------- Testimonials ---------- */
.testimonials {
  background: var(--color-primary);
  position: relative;
  overflow: hidden;
}
.testimonial-pattern {
  position: absolute;
  inset: 0;
  opacity: 0.04;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='1'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.testimonial-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}
@media (min-width: 768px) { .testimonial-grid { grid-template-columns: repeat(3, 1fr); } }

.testimonial {
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 32px;
  height: 100%;
  transition: background 0.5s;
}
.testimonial:hover { background: rgba(255, 255, 255, 0.1); }

.testimonial-quote-icon {
  color: var(--color-accent);
  margin-bottom: 24px;
}
.testimonial-quote {
  color: var(--color-gray-300);
  font-size: 16px;
  line-height: 1.7;
  margin-bottom: 32px;
  font-style: italic;
}
.testimonial-meta {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
}
.testimonial-author { color: #fff; font-weight: 600; margin-bottom: 4px; }
.testimonial-title { color: var(--color-accent); font-size: 14px; margin-bottom: 2px; }
.testimonial-company { color: var(--color-gray-400); font-size: 14px; }

/* ---------- Newsletter ---------- */
.newsletter {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  position: relative;
  overflow: hidden;
  color: #fff;
}
.newsletter-deco-a, .newsletter-deco-b {
  position: absolute;
  border: 1px solid rgba(255,255,255,0.06);
}
.newsletter-deco-a {
  top: 40px;
  right: 40px;
  width: 384px;
  height: 384px;
  transform: rotate(45deg);
}
.newsletter-deco-b {
  bottom: 40px;
  left: 40px;
  width: 256px;
  height: 256px;
  transform: rotate(12deg);
}

.newsletter-inner {
  position: relative;
  text-align: center;
  z-index: 2;
}
.newsletter-icon {
  width: 64px;
  height: 64px;
  background: rgba(184, 115, 51, 0.2);
  color: var(--color-accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
}
.newsletter-title {
  font-size: clamp(28px, 4vw, 42px);
  color: #fff;
  margin-bottom: 16px;
}
.newsletter-lead {
  color: var(--color-gray-300);
  font-size: 18px;
  margin-bottom: 40px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.newsletter-form {
  max-width: 480px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
@media (min-width: 640px) { .newsletter-form { flex-direction: row; } }
.newsletter-input {
  flex: 1;
  height: 48px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: #fff;
  padding: 0 16px;
  font-family: inherit;
  font-size: 15px;
}
.newsletter-input::placeholder { color: var(--color-gray-400); }
.newsletter-input:focus { outline: none; border-color: var(--color-accent); }
.newsletter-submit {
  height: 48px;
  padding: 0 32px;
}
.newsletter-fine {
  color: var(--color-gray-400);
  font-size: 12px;
  margin-top: 12px;
}
.newsletter-success {
  max-width: 480px;
  margin: 0 auto;
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 24px;
  text-align: center;
  color: #fff;
}
.newsletter-success svg { color: var(--color-accent); margin: 0 auto 12px; display: block; }
.newsletter-success-title { color: #fff; font-size: 18px; font-weight: 500; }
.newsletter-success-sub { color: var(--color-gray-300); font-size: 14px; margin-top: 8px; }

/* ---------- Final CTA ---------- */
.final-cta-section {
  background: linear-gradient(135deg, #FEFEFE 0%, #ffffff 100%);
}
.final-cta {
  position: relative;
  background: var(--color-primary);
  overflow: hidden;
  padding: 64px 32px;
  color: #fff;
}
@media (min-width: 768px) { .final-cta { padding: 80px 64px; } }

.final-cta-bg {
  position: absolute;
  inset: 0;
  background-image: url('../assets/images/property-underwriting.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.2;
}
.final-cta-shape-a {
  position: absolute;
  top: 0;
  right: 0;
  width: 256px;
  height: 256px;
  border: 1px solid rgba(184, 115, 51, 0.2);
  transform: rotate(45deg) translate(128px, -128px);
}
.final-cta-shape-b {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 192px;
  height: 192px;
  border: 1px solid rgba(184, 115, 51, 0.2);
  transform: rotate(12deg) translate(-96px, 96px);
}
.final-cta-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
  z-index: 2;
}
@media (min-width: 768px) { .final-cta-inner { grid-template-columns: 1fr 1fr; } }

.final-cta-lead {
  color: var(--color-gray-300);
  font-size: 18px;
  line-height: 1.6;
}
.final-cta-actions {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
@media (min-width: 640px) { .final-cta-actions { flex-direction: row; justify-content: flex-end; } }