/* ============================================================
   RealtyRisk Insurance — Main Stylesheet
   Fonts: Lora (display serif), Poppins (body sans)
   ============================================================ */

/* ── FONT FACES ── */
@font-face {
  font-family: 'Lora';
  src: url('../fonts/Lora-Variable.ttf') format('truetype');
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Lora';
  src: url('../fonts/Lora-Italic-Variable.ttf') format('truetype');
  font-weight: 100 900;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: 'Poppins';
  src: url('../fonts/Poppins-Light.ttf') format('truetype');
  font-weight: 300;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Poppins';
  src: url('../fonts/Poppins-Regular.ttf') format('truetype');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Poppins';
  src: url('../fonts/Poppins-Medium.ttf') format('truetype');
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Poppins';
  src: url('../fonts/Poppins-Bold.ttf') format('truetype');
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}

/* ── RESET & BASE ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Poppins', system-ui, -apple-system, sans-serif;
  font-size: 15px;
  color: #1a1a2e;
  background: #f5f4f0;
  line-height: 1.55;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

/* ── CSS VARIABLES ── */
:root {
  --navy:      #1a3a6b;
  --navy-dark: #0d1f45;
  --navy-mid:  #1e4a88;
  --green:     #1D9E75;
  --green-dk:  #178a64;
  --blue-lt:   #7eb8f5;
  --bg-light:  #f5f4f0;
  --bg-white:  #ffffff;
  --bg-blue:   #EBF2FB;
  --border:    #e4e2dc;
  --text-mid:  #555555;
  --text-mute: #888888;
  --shadow-sm: 0 1px 8px rgba(0,0,0,.06);
  --shadow-md: 0 4px 20px rgba(0,0,0,.10);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
}

/* ── NAVIGATION ── */
.site-nav {
  background: #fff;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 40px;
  height: 80px;
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: var(--shadow-sm);
}
.nav-logo { display: flex; align-items: center; gap: 12px; }
.logo-img { height: 70px; width: auto; display: block; }
.logo-shield { width: 46px; height: 46px; flex-shrink: 0; }
.logo-text strong {
  display: block;
  font-family: 'Lora', Georgia, serif;
  font-size: 17px;
  color: var(--navy);
  letter-spacing: -.4px;
  line-height: 1.1;
}
.logo-text small {
  font-size: 9px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--text-mute);
  font-weight: 500;
}
.nav-links { display: flex; gap: 28px; font-size: 13px; align-items: center; }
.nav-links a {
  color: var(--text-mid); font-weight: 500; border-bottom: none;
  padding-bottom: 2px; transition: color .2s;
}
.nav-links a:hover { color: var(--navy); }
.nav-links a.active,
.nav-item-dropdown.active .nav-dropdown-trigger {
  color: var(--navy); font-weight: 700;
  border-bottom: 2px solid var(--navy);
}

/* ── Insurance Products dropdown ── */
.nav-item-dropdown { position: relative; display: flex; align-items: center; }
.nav-dropdown-trigger {
  color: var(--text-mid); cursor: pointer; font-weight: 500;
  font-size: 13px; transition: color .2s; user-select: none;
  white-space: nowrap;
}
.nav-item-dropdown:hover .nav-dropdown-trigger,
.nav-item-dropdown.open .nav-dropdown-trigger { color: var(--navy); }
.nav-dropdown-menu {
  display: none; position: absolute; top: calc(100% + 10px); left: 50%;
  transform: translateX(-50%); background: #fff; border-radius: 8px;
  box-shadow: 0 4px 20px rgba(0,0,0,.14); min-width: 230px; z-index: 200;
  overflow: hidden; border: 1px solid rgba(26,58,107,.1);
}
.nav-item-dropdown:hover .nav-dropdown-menu,
.nav-item-dropdown.open .nav-dropdown-menu { display: block; }
.nav-dropdown-menu a {
  display: block; padding: 11px 18px; color: var(--navy); font-size: 13px;
  font-weight: 500; border-bottom: 1px solid rgba(26,58,107,.07);
  transition: background .15s; white-space: nowrap; border-bottom-style: none;
  padding-bottom: 11px;
}
.nav-dropdown-menu a:last-child { border-bottom: none; }
.nav-dropdown-menu a:hover { background: #f0f4fb; color: var(--navy); }
.nav-cta {
  background: var(--navy);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 9px 18px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  white-space: nowrap;
  transition: background .2s;
  font-family: 'Poppins', sans-serif;
  border: none;
  letter-spacing: .02em;
}
.nav-cta:hover { background: var(--navy-mid); }

/* ── HERO ── */
.hero {
  position: relative;
  min-height: 500px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 70px 24px 0;
  color: #fff;
}
.hero-photo-bg {
  position: absolute;
  inset: 0;
  background: url('hero-bg.png') center center / cover no-repeat;
  z-index: 0;
}
.hero-photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(15, 30, 60, 0.55) 0%,
    rgba(10, 20, 45, 0.70) 100%
  );
  z-index: 1;
}
.hero-content { position: relative; z-index: 3; width: 100%; max-width: 820px; }

.hero-eyebrow {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--blue-lt);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}
.hero-eyebrow::before,
.hero-eyebrow::after {
  content: '';
  flex: 1;
  max-width: 48px;
  height: 1px;
  background: var(--blue-lt);
  opacity: .45;
}
.hero h1 {
  font-family: 'Lora', Georgia, serif;
  font-size: 42px;
  font-weight: 700;
  line-height: 1.13;
  max-width: 720px;
  margin: 0 auto 16px;
  text-shadow: 0 2px 20px rgba(0,0,0,.3);
}
.hero h1 em { font-style: italic; color: var(--blue-lt); }
.hero-sub {
  font-size: 14.5px;
  opacity: .86;
  max-width: 540px;
  margin: 0 auto 32px;
  line-height: 1.65;
  font-weight: 300;
}
.hero-search {
  display: flex;
  max-width: 620px;
  width: 100%;
  background: #fff;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 8px 36px rgba(0,0,0,.38);
  margin: 0 auto;
}
.hero-search input {
  flex: 1;
  border: none;
  padding: 16px 18px;
  font-size: 13px;
  color: #333;
  outline: none;
  font-family: 'Poppins', sans-serif;
}
.hero-search button {
  background: var(--green);
  color: #fff;
  border: none;
  padding: 16px 22px;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  font-family: 'Poppins', sans-serif;
  white-space: nowrap;
  letter-spacing: .01em;
  transition: background .2s;
}
.hero-search button:hover { background: var(--green-dk); }
.hero-trust {
  margin-top: 12px;
  font-size: 11px;
  opacity: .6;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
}
.hero-pills {
  display: flex;
  gap: 8px;
  margin-top: 22px;
  margin-bottom: 36px;
  flex-wrap: wrap;
  justify-content: center;
}
.hero-pill {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 20px;
  padding: 5px 14px;
  font-size: 11px;
  font-weight: 600;
  backdrop-filter: blur(4px);
}

/* ── STAT STRIP ── */
.stat-strip {
  background: #fff;
  border-bottom: 1px solid var(--border);
  display: flex;
  justify-content: center;
}
.stat-item {
  flex: 1;
  max-width: 220px;
  text-align: center;
  padding: 22px 16px;
  border-right: 1px solid #eee;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
}
.stat-item:last-child { border: none; }
.stat-icon-wrap {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--bg-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 5px;
}
.stat-num {
  font-family: 'Lora', Georgia, serif;
  font-size: 28px;
  color: var(--navy);
  font-weight: 700;
  line-height: 1;
}
.stat-label { font-size: 11px; color: var(--text-mute); font-weight: 600; letter-spacing: .03em; }

/* ── TOOL BAR ── */
.tool-bar {
  background: #f0f4fb;
  border-bottom: 1px solid #dde4f0;
  padding: 14px 30px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}
.tool-bar-label {
  font-size: 10.5px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-right: 20px;
  white-space: nowrap;
}
.tool-link {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 600;
  color: var(--navy);
  padding: 0 16px;
  border-right: 1px solid #ccd5e8;
  cursor: pointer;
  white-space: nowrap;
  transition: color .18s;
}
.tool-link:last-child { border: none; }
.tool-link:hover { color: var(--green); }
.tool-link-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--green);
  flex-shrink: 0;
}

/* ── SECTION HEADER ── */
.section-header { text-align: center; margin-bottom: 44px; }
.section-header .eyebrow {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 10px;
}
.section-header h2 {
  font-family: 'Lora', Georgia, serif;
  font-size: 30px;
  color: var(--navy);
  line-height: 1.2;
}
.section-header .rule {
  width: 44px;
  height: 2px;
  background: var(--green);
  margin: 12px auto 0;
}
.section-header p {
  font-size: 13.5px;
  color: #666;
  margin-top: 12px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.65;
}

/* ── HOW IT WORKS ── */
.how { background: #fff; padding: 64px 40px; }
.steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  max-width: 940px;
  margin: 0 auto;
  gap: 0;
}
.step { flex: 1; text-align: center; padding: 0 10px; position: relative; }
.step-icon-wrap {
  width: 54px;
  height: 54px;
  border-radius: 16px;
  background: var(--bg-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
  transition: background .2s, transform .2s;
}
.step:hover .step-icon-wrap { background: #d4e8f7; transform: translateY(-2px); }
.step-bubble {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-weight: 700;
  font-size: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  position: relative;
  z-index: 2;
  box-shadow: 0 4px 16px rgba(26,58,107,.35);
}
.step-bubble.green { background: var(--green); box-shadow: 0 4px 16px rgba(29,158,117,.35); }
.step-line {
  position: absolute;
  top: 26px;
  left: calc(50% + 28px);
  right: calc(-50% + 28px);
  height: 2px;
  background: linear-gradient(90deg, var(--navy), var(--green));
  z-index: 1;
  border-radius: 2px;
}
.step h4 { font-size: 12.5px; font-weight: 700; color: var(--navy); margin-bottom: 7px; line-height: 1.35; }
.step p  { font-size: 10.5px; color: #666; line-height: 1.55; }

/* ── TRUST BAND ── */
.trust-band {
  background: linear-gradient(135deg, #0d1f45 0%, #1a3a6b 100%);
  padding: 60px 40px;
  position: relative;
  overflow: hidden;
}
.trust-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(45deg, rgba(255,255,255,.025) 0, rgba(255,255,255,.025) 1px, transparent 0, transparent 50%);
  background-size: 16px 16px;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  max-width: 900px;
  margin: 0 auto;
  position: relative;
}
.trust-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 12px;
  padding: 22px 18px;
  text-align: center;
}
.trust-card-icon { font-size: 28px; margin-bottom: 11px; }
.trust-card h4 { font-size: 12.5px; font-weight: 700; color: #fff; margin-bottom: 7px; }
.trust-card p  { font-size: 10.5px; color: rgba(255,255,255,.62); line-height: 1.55; }
.trust-card .accent { color: var(--blue-lt); font-weight: 700; }

/* ── LLC CALLOUT ── */
.llc-callout {
  background: linear-gradient(135deg, #0d2040 0%, #1a3a6b 55%, #1e4a88 100%);
  color: #fff;
  padding: 52px 40px;
  display: flex;
  align-items: center;
  gap: 50px;
  position: relative;
  overflow: hidden;
}
.llc-callout::after {
  content: '';
  position: absolute;
  right: -70px;
  top: -70px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  border: 64px solid rgba(255,255,255,.04);
  pointer-events: none;
}
.llc-text { flex: 1; position: relative; }
.llc-text .eyebrow {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--blue-lt);
  margin-bottom: 10px;
}
.llc-text h3 {
  font-family: 'Lora', Georgia, serif;
  font-size: 24px;
  margin-bottom: 12px;
  line-height: 1.28;
}
.llc-text p { font-size: 13px; opacity: .82; line-height: 1.68; max-width: 500px; }
.llc-btn {
  display: inline-block;
  background: var(--green);
  color: #fff;
  font-weight: 700;
  font-size: 12.5px;
  padding: 14px 26px;
  border-radius: 7px;
  cursor: pointer;
  white-space: nowrap;
  letter-spacing: .02em;
  transition: background .2s;
  flex-shrink: 0;
  position: relative;
}
.llc-btn:hover { background: var(--green-dk); }

/* ── THREE-COLUMN GRID ── */
.three-col { background: var(--bg-light); padding: 64px 40px; }
.three-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr 1fr;
  gap: 24px;
  max-width: 940px;
  margin: 0 auto;
  align-items: start;
}
.panel {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 26px;
  border: 1px solid var(--border);
  box-shadow: 0 2px 14px rgba(0,0,0,.04);
}

/* ABOUT */
.about-avatar {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  border: 3px solid var(--navy);
  margin-bottom: 13px;
  overflow: hidden;
}
.cred-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--bg-blue);
  color: var(--navy);
  font-size: 9px;
  font-weight: 700;
  letter-spacing: .07em;
  padding: 4px 10px;
  border-radius: 10px;
  margin-bottom: 13px;
}
.about h3 {
  font-family: 'Lora', Georgia, serif;
  font-size: 17px;
  color: var(--navy);
  margin-bottom: 10px;
}
.about p { font-size: 11px; color: var(--text-mid); line-height: 1.68; margin-bottom: 7px; }

/* PRODUCTS */
.products h3 { font-family: 'Lora', Georgia, serif; font-size: 17px; color: var(--navy); margin-bottom: 5px; }
.products p.sub { font-size: 11px; color: #999; margin-bottom: 16px; line-height: 1.55; }
.prod-cat { margin-bottom: 13px; }
.prod-cat-title {
  font-size: 10px;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 7px;
  margin-bottom: 5px;
  text-transform: uppercase;
  letter-spacing: .07em;
}
.prod-cat-dot { width: 8px; height: 8px; border-radius: 2px; flex-shrink: 0; }
.prod-items { font-size: 10px; color: var(--text-mid); line-height: 1.85; padding-left: 15px; }
.prod-new { color: var(--green); font-weight: 600; }

/* VALUE PROP */
.value h3 { font-family: 'Lora', Georgia, serif; font-size: 17px; color: var(--navy); margin-bottom: 6px; }
.value p.sub { font-size: 11px; color: #999; margin-bottom: 18px; }

/* 2×2 value proposition card grid */
.vp-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
}
.vp-card {
  background: #fafafa; border-radius: 10px; padding: 18px 16px;
  border: 1px solid rgba(26,58,107,.08); text-align: center;
  transition: box-shadow .18s;
}
.vp-card:hover { box-shadow: 0 4px 14px rgba(0,0,0,.09); }
.vp-card-icon {
  width: 64px; height: 64px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 12px;
}
.vp-card h4 {
  font-size: 12px; font-weight: 700; color: var(--navy);
  margin-bottom: 6px; line-height: 1.3;
}
.vp-card p  { font-size: 10.5px; color: var(--text-mid); line-height: 1.6; }

.vp-item { display: flex; gap: 12px; margin-bottom: 17px; align-items: flex-start; }
.vp-icon-wrap {
  width: 34px;
  height: 34px;
  border-radius: 9px;
  background: var(--bg-blue);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}
.vp-text h4 { font-size: 11.5px; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.vp-text p  { font-size: 10.5px; color: var(--text-mid); line-height: 1.55; }
.vp-green { color: var(--green); font-weight: 700; }

/* ── SURPLUS BAND ── */
.surplus-band {
  background: #f0f4fb;
  padding: 52px 40px;
  border-top: 1px solid #dde4f0;
}
.surplus-inner { max-width: 920px; margin: 0 auto; }
.surplus-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 30px;
}
.surplus-card {
  background: #fff;
  border-radius: var(--radius-md);
  padding: 22px;
  border: 1px solid #dde4f0;
  border-top: 3px solid var(--navy);
}
.surplus-card-icon { font-size: 24px; margin-bottom: 11px; }
.surplus-card h4 { font-size: 12.5px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.surplus-card p  { font-size: 10.5px; color: #666; line-height: 1.58; }

/* ── RISK TOOLS ── */
.risk-hub { background: #fff; padding: 64px 40px; }
.risk-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  max-width: 880px;
  margin: 0 auto;
}
.risk-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px;
  text-align: center;
  transition: box-shadow .22s, border-color .22s, transform .22s;
  cursor: pointer;
}
.risk-card:hover {
  box-shadow: 0 8px 28px rgba(0,0,0,.09);
  border-color: var(--navy);
  transform: translateY(-2px);
}
.risk-card-icon-wrap {
  width: 54px;
  height: 54px;
  border-radius: 15px;
  background: var(--bg-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 13px;
}
.risk-card h4 { font-size: 12.5px; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.risk-card p  { font-size: 10.5px; color: #777; line-height: 1.55; margin-bottom: 12px; }
.risk-card .cta-link { font-size: 11px; color: var(--green); font-weight: 700; }

/* ── LOCAL HUB ── */
.local-hub { background: var(--bg-light); padding: 64px 40px; }
.local-region-label {
  font-size: 10.5px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: .13em;
  text-transform: uppercase;
  margin: 30px 0 12px;
  max-width: 880px;
  margin-left: auto;
  margin-right: auto;
  display: flex;
  align-items: center;
  gap: 10px;
}
.local-region-label::after { content: ''; flex: 1; height: 1px; background: #d0cdc6; }
.local-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  max-width: 880px;
  margin: 0 auto;
}
.local-card {
  background: #fff;
  border-radius: 8px;
  padding: 14px 16px;
  border-left: 3px solid var(--navy);
  box-shadow: 0 1px 5px rgba(0,0,0,.04);
  transition: box-shadow .18s;
}
.local-card:hover { box-shadow: 0 4px 14px rgba(0,0,0,.08); }
.local-card h4 { font-size: 11.5px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.local-card p  { font-size: 10px; color: #777; line-height: 1.5; }

/* ── SECTION FOCUS OVERLAY ── */
.section-overlay {
  position: fixed; inset: 0; z-index: 500;
  background: #f5f4f0; overflow-y: auto;
  display: flex; flex-direction: column;
}
.section-overlay[hidden] { display: none; }
.section-overlay-bar {
  position: sticky; top: 0; z-index: 10;
  display: flex; align-items: center; gap: 16px;
  background: var(--navy); color: #fff;
  padding: 14px 24px; box-shadow: 0 2px 8px rgba(0,0,0,.18);
}
.section-overlay-back {
  background: none; border: 1px solid rgba(255,255,255,.4);
  color: #fff; font-size: 13px; font-weight: 600; padding: 6px 14px;
  border-radius: 6px; cursor: pointer; transition: background .15s;
}
.section-overlay-back:hover { background: rgba(255,255,255,.15); }
.section-overlay-title {
  font-size: 15px; font-weight: 600; opacity: .9;
}
.section-overlay-body {
  max-width: 860px; margin: 0 auto; padding: 48px 24px 80px;
  width: 100%;
}
/* ── Overlay: product category focused view ── */
.section-overlay-body .prod-cat {
  border: none; background: #fff; padding: 36px 40px;
  border-radius: 12px; box-shadow: 0 2px 16px rgba(0,0,0,.08);
  margin: 0 auto; max-width: 640px;
}
.section-overlay-body .prod-cat-title {
  font-family: 'Lora', Georgia, serif; font-size: 22px; font-weight: 700;
  color: var(--navy); margin-bottom: 20px; display: flex; align-items: center; gap: 10px;
}
.section-overlay-body .prod-cat-dot { width: 14px; height: 14px; flex-shrink: 0; }
.section-overlay-body .prod-items {
  font-size: 15px; line-height: 2; color: #333; font-family: 'Poppins', Arial, sans-serif;
}
.section-overlay-body .prod-new { color: var(--green); font-weight: 600; }

/* ── Overlay: about/value panel ── */
.section-overlay-body .panel {
  background: #fff; border-radius: 12px;
  padding: 40px 48px; max-width: 800px; margin: 0 auto;
  box-shadow: 0 2px 16px rgba(0,0,0,.08);
}
/* Larger cards in the overlay */
.section-overlay-body .vp-grid { gap: 20px; }
.section-overlay-body .vp-card { padding: 28px 24px; border-radius: 14px; }
.section-overlay-body .vp-card-icon { width: 80px; height: 80px; margin-bottom: 16px; }
.section-overlay-body .vp-card-icon svg { width: 44px; height: 44px; }
.section-overlay-body .vp-card h4 { font-size: 16px; margin-bottom: 10px; }
.section-overlay-body .vp-card p  { font-size: 13px; line-height: 1.7; }
.section-overlay-body .value h3 { font-size: 26px; text-align: center; margin-bottom: 8px; }
.section-overlay-body .value p.sub { font-size: 14px; text-align: center; margin-bottom: 28px; color: #666; }
.section-overlay-body .about-avatar { margin: 0 auto 20px; display: block; text-align: center; }
.section-overlay-body .panel h3 {
  font-family: 'Lora', Georgia, serif; font-size: 24px; color: var(--navy);
  margin-bottom: 6px; text-align: center;
}

/* ── How It Works overlay ── */
.section-overlay-body .section-header { text-align: center; margin-bottom: 36px; }
.section-overlay-body .steps { max-width: 860px; margin: 0 auto; }

/* ── FOUNDER CREDENTIALS ── */
.founder-creds { display: flex; gap: 8px; justify-content: center; margin-bottom: 12px; }
.founder-cred-badge {
  background: var(--navy); color: #fff; font-size: 11px; font-weight: 700;
  padding: 3px 10px; border-radius: 4px; letter-spacing: .06em;
}
.founder-title {
  font-size: 13px; color: #666; text-align: center; margin-bottom: 16px;
  font-style: italic;
}
.section-overlay-body .founder-creds { justify-content: center; }
.section-overlay-body .founder-title { text-align: center; }
.section-overlay-body .panel p {
  font-size: 14px; line-height: 1.75; color: #333; margin-bottom: 14px;
  font-family: 'Poppins', Arial, sans-serif;
}

/* ── CONTACT SECTION ── */
.contact-section {
  background: #f8f7f4; padding: 60px 20px;
  text-align: center;
}
.contact-card {
  display: inline-block; background: #fff; border-radius: 12px;
  box-shadow: 0 2px 16px rgba(0,0,0,.09); padding: 36px 48px;
  text-align: left; min-width: 320px;
}
.contact-name {
  font-family: 'Lora', Georgia, serif; font-size: 20px; font-weight: 700;
  color: var(--navy); margin-bottom: 20px;
}
.contact-detail {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 14px; color: #444; margin-bottom: 14px; line-height: 1.45;
}
.contact-detail svg { flex-shrink: 0; margin-top: 2px; color: var(--navy); }
.contact-detail a { color: var(--navy); font-weight: 600; text-decoration: none; }
.contact-detail a:hover { text-decoration: underline; }

/* ── LICENSE BAR ── */
.license-bar {
  background: var(--navy);
  display: flex;
  justify-content: center;
}
.license-item {
  flex: 1;
  max-width: 220px;
  text-align: center;
  padding: 22px 16px;
  border-right: 1px solid rgba(255,255,255,.12);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 7px;
}
.license-item:last-child { border: none; }
.license-item p {
  font-size: 9px;
  letter-spacing: .14em;
  font-weight: 700;
  color: rgba(255,255,255,.75);
  text-transform: uppercase;
  line-height: 1.6;
}

/* ── FOOTER ── */
.site-footer {
  background: #10203e;
  color: #bbb;
  padding: 38px 40px;
  display: flex;
  gap: 42px;
  flex-wrap: wrap;
}
.footer-brand { flex: 1; min-width: 180px; }
.footer-brand strong {
  font-family: 'Lora', Georgia, serif;
  font-size: 16px;
  color: #fff;
  display: block;
  margin-bottom: 5px;
}
.footer-brand small { font-size: 9.5px; opacity: .45; letter-spacing: .1em; text-transform: uppercase; }
.footer-contact { flex: 1; min-width: 160px; font-size: 12px; line-height: 2.2; color: #ccc; }
.footer-about   { flex: 2; min-width: 220px; font-size: 10.5px; line-height: 1.75; color: #888; }
.footer-licenses {
  background: #081422;
  text-align: center;
  font-size: 10px;
  color: #666;
  padding: 8px 16px 2px;
}
.footer-bottom {
  background: #081422;
  text-align: center;
  font-size: 10px;
  color: #555;
  padding: 8px 11px 11px;
  display: flex;
  justify-content: center;
  gap: 24px;
}
.footer-bottom span { cursor: pointer; transition: color .18s; }
.footer-bottom span:hover { color: #aaa; }