/* Harborline Mutual, one stylesheet for the public pages, and the token
 * source for every other stylesheet on the site (the desks, the build
 * harness, the mock tenant's pages).
 *
 * The identity: a white ground, ink type, bay blue for bands and actions,
 * signal-flag red for claims and nothing else, brass for rules. Encode Sans,
 * the expanded width for headings and the lockup, the normal width for text.
 * Dave's call, 2026-10-16: the reskin book's recommended option. It
 * supersedes the teal and sand of design-brief.md's first cut (HAR-05).
 *
 * **The signal color is reserved.** --signal appears on the claims control
 * in the header, the one red claims band on the home page, the claims page
 * heading, the form's submit and claim status. Nowhere else. If it turns up
 * on a marketing button the reservation is broken and the claims path stops
 * being the thing the eye finds first.
 *
 * **The older token names are kept as aliases** (--harbor, --sand-pale and
 * the rest) because the desks, the harness and the mock tenant's pages read
 * them. They now resolve to the bay, paper and rule values below; a new rule
 * should use the new names.
 *
 * Asset references here carry no ?v= content hash, unlike the other sites.
 * tools/version-assets.py holds a hardcoded site list and this site is
 * outside it. See the site README section 2 and HAR-14.
 */

@font-face {
  font-family: "Encode Sans";
  src: url("../assets/fonts/encode-sans.woff2") format("woff2");
  font-weight: 100 900;
  font-stretch: 75% 125%;
  font-display: swap;
}

:root {
  /* Bay blue: bands, primary actions, links. */
  --bay:        #1D5C96;
  --bay-deep:   #134473;
  --bay-press:  #0F375D;
  --bay-pale:   #E8F0F8;
  --bay-line:   #C3D6EA;

  /* Signal-flag red. Claims only. */
  --signal:      #C8202F;
  --signal-deep: #A01825;
  --signal-press:#8A1420;
  --signal-ink:  #FFFFFF;

  /* Brass: rules, never text, never a fill. */
  --brass:       #B08A4E;

  --ground:  #FFFFFF;
  --paper:   #F4F6F8;
  --ink:     #121A24;
  --ink-2:   #4B5563;
  --ink-3:   #646D79;
  --rule:    #DDE2E8;
  --field-line: #B4BDC8;
  --field-line-hover: #6F7A88;
  --select:  #CFE1F3;
  --focus:   #1D5C96;
  --focus-soft: rgba(29, 92, 150, .22);
  --error:   #B42318;
  --error-soft: rgba(180, 35, 24, .14);
  --ok:      #2D7A4B;
  --ok-pale: #E9F4EC;
  --ok-line: #BBDCC5;
  --warn:    #7A5200;
  --warn-pale: #FBF5EA;
  --warn-line: #E8D7B5;
  --bad-pale: #FCEDEB;
  --bad-line: #E4B4AE;

  --font-brand: "Encode Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  --font-text:  "Encode Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  --font-ui:    -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, Helvetica, Arial, sans-serif;
  --font-mono:  ui-monospace, "SF Mono", Menlo, Consolas, monospace;

  --radius: 2px;
  --radius-ui: 7px;
  --wide: 82rem;
  --measure: 40rem;
  --shadow: 0 2px 6px rgba(18, 26, 36, .12);

  /* The older names, resolved to the values above. */
  --harbor:      var(--bay);
  --harbor-deep: var(--bay-deep);
  --harbor-lift: #2A6FAE;
  --harbor-wash: var(--bay-pale);
  --sand:        var(--brass);
  --sand-pale:   var(--paper);
  --sand-deep:   var(--rule);
  --ink-soft:    var(--ink-2);
  --ink-faint:   var(--ink-3);
  --page:        var(--ground);
  --font:        var(--font-text);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font-text);
  font-stretch: 100%;
  font-size: 17px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--ground);
}

img { display: block; max-width: 100%; }
h1, h2, h3 { margin: 0 0 .6em; font-family: var(--font-brand); color: var(--ink); }
h1, h2 { font-stretch: 125%; letter-spacing: -.015em; }
h1 { font-size: 3.6rem; line-height: 1.02; font-weight: 750; }
h2 { font-size: 2.15rem; line-height: 1.1; font-weight: 700; }
h3 { font-stretch: 112%; font-size: 1.12rem; line-height: 1.25; font-weight: 700; }
p  { margin: 0 0 1em; }
a  { color: var(--bay); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
::selection { background: var(--select); color: var(--ink); }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 3px; }
input, select, textarea { caret-color: var(--bay); }
code { font-family: var(--font-mono); font-size: .88em; }

.wrap { max-width: var(--wide); margin: 0 auto; padding: 0 2rem; }
.measure { max-width: var(--measure); }
.lede, .hero-lede { font-size: 1.18rem; line-height: 1.55; color: var(--ink-2); max-width: 40rem; }
.crumb { font-size: .9rem; color: var(--ink-2); margin: 0 0 1.25rem; }
.crumb a { color: var(--ink-2); }
/* Kept for any page that still carries the class; quiet, never a kicker. */
.eyebrow { font-size: .9rem; color: var(--ink-2); margin: 0 0 1.25rem; }

/* ------------------------------------------------------------------ header */

.site-header { background: var(--ground); border-bottom: 1px solid var(--rule); }
.header-bar {
  max-width: var(--wide); margin: 0 auto; padding: 0 2rem; min-height: 80px;
  display: flex; align-items: center; gap: 3rem;
}
.lockup { display: flex; align-items: center; gap: .7rem; text-decoration: none; color: var(--ink); white-space: nowrap; }
.lockup svg { color: var(--bay); flex: none; }
.lockup .word {
  font-family: var(--font-brand); font-stretch: 125%; font-weight: 800; font-size: 1.12rem;
  text-transform: uppercase; letter-spacing: .06em;
}
.lockup .word em { font-style: normal; font-weight: inherit; color: inherit; }

.main-nav { display: flex; gap: 1.9rem; }
.main-nav a {
  color: var(--ink); text-decoration: none; font-weight: 550; font-size: .98rem;
  padding: .35rem 0; border-bottom: 2px solid transparent;
}
.main-nav a:hover { border-bottom-color: var(--rule); }
.main-nav a[aria-current] { border-bottom-color: var(--ink); }

.header-spacer { flex: 1 1 auto; }
.header-actions { margin-left: auto; display: flex; gap: 1.5rem; align-items: center; }
/* Sign in sits in the header as a plain link: third of the three doors. */
.header-actions .btn-secondary { border: 0; padding: .35rem 0; color: var(--ink); background: none; font-weight: 600; }
.header-actions .btn-secondary:hover { background: none; text-decoration: underline; }

/* ---------------------------------------------------------------- buttons
   default, hover, active, focus (the global ring), disabled */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .4em;
  font: inherit; font-weight: 600; line-height: 1; font-size: 1rem;
  padding: .85em 1.3em; border-radius: var(--radius); border: 1px solid transparent;
  text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: background-color .12s, border-color .12s, color .12s;
}
.btn-sm { padding: .6em 1em; font-size: .92rem; }
.btn-primary { background: var(--bay); color: #fff; }
.btn-primary:hover { background: var(--bay-deep); }
.btn-primary:active { background: var(--bay-press); }
.btn-secondary { background: transparent; color: var(--bay); border-color: currentColor; }
.btn-secondary:hover { background: var(--bay-pale); }
.btn-secondary:active { background: var(--bay-line); }
/* Claims only. See the header comment. */
.btn-signal { background: var(--signal); color: var(--signal-ink); }
.btn-signal:hover { background: var(--signal-deep); }
.btn-signal:active { background: var(--signal-press); }
.btn:disabled, .btn[disabled], .btn[aria-disabled="true"] { opacity: .5; cursor: not-allowed; }

.note {
  background: var(--paper); border: 1px solid var(--rule);
  border-radius: var(--radius); padding: 1rem 1.15rem;
}

/* -------------------------------------------------------------------- hero
   Text and the quote box on the left half, the photograph to the edge on
   the right. */

.hero { display: grid; grid-template-columns: 1fr 1fr; min-height: 600px; border-bottom: 0; }
.hero-text {
  padding: 4rem 4rem 4rem max(2rem, calc((100vw - 82rem) / 2 + 2rem));
  display: flex; flex-direction: column; justify-content: center;
}
.hero-text h1 { margin-bottom: 1rem; max-width: 12ch; }
.hero-text .hero-lede { font-size: 1.15rem; max-width: 32rem; margin-bottom: 2rem; }
.hero-photo { margin: 0; min-height: 22rem; background: var(--paper); }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }

/* ------------------------------------------------------- the three doors
 *
 * Dave's steer, 2026-09-21: the home page is a quote box, a claim-type
 * fan-out and a sign-in line, in that order of visual weight. The order is
 * expressed in size and in fill: the quote box is the bay panel in the hero,
 * the fan-out is the one red band across the page, the sign-in is a single
 * ruled line. Do not shrink the band to balance the page: it is where
 * WorkHQ enters and it must not read as a footer link.
 */

/* 1. The quote box. */
.quote-box { background: var(--bay); color: #fff; padding: 2rem 2rem 1.6rem; max-width: 38rem; border-radius: 0; }
.quote-box h2 { color: #fff; font-size: 1.8rem; margin-bottom: .2rem; }
.quote-box .sub { color: #CFE1F3; font-size: .95rem; margin-bottom: 1rem; }
.quote-products {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 3px; padding: 3px; margin: 0 0 1rem;
  border: 1px solid rgba(255, 255, 255, .3); background: rgba(255, 255, 255, .12); border-radius: var(--radius);
}
.quote-products label {
  position: relative; display: block; text-align: center; cursor: pointer;
  padding: .55rem .4rem; border-radius: 1px; font-weight: 600; font-size: .95rem; color: #E2EDF8;
  transition: background-color .15s, color .15s;
}
.quote-products label:hover { color: #fff; }
.quote-products input { position: absolute; inset: 0; opacity: 0; margin: 0; cursor: pointer; }
.quote-products label:has(input:checked) { background: #fff; color: var(--ink); box-shadow: 0 1px 3px rgba(0, 0, 0, .14); }
.quote-products label:has(input:focus-visible) { outline: 3px solid #fff; outline-offset: 1px; }
.quote-row { display: flex; gap: .75rem; align-items: flex-end; }
.quote-row .field { flex: 1; }
.quote-box .field label { color: #fff; }
.quote-box .field input { border-color: transparent; }
.quote-box .btn-primary { background: #fff; color: var(--bay-deep); min-height: 2.9rem; }
.quote-box .btn-primary:hover { background: var(--bay-pale); }
.quote-box .btn-primary:disabled { opacity: .7; }
.quote-box .fine { font-size: .85rem; color: #CFE1F3; margin: .8rem 0 0; }

/* 2. The claim-type fan-out: the one red band on the site. */
.claim-band { background: var(--signal); color: #fff; padding: 2.5rem 0; }
.claim-band-grid { display: grid; grid-template-columns: 22rem minmax(0, 1fr); gap: 3.5rem; }
.claim-band h2 { color: #fff; font-size: 2rem; margin-bottom: .75rem; }
.claim-band p { color: #fff; margin-bottom: .8rem; }
.claim-band a { color: #fff; }
.claim-band-phone a { font-weight: 700; }
.claim-types {
  display: grid; grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid rgba(255, 255, 255, .35); border-left: 1px solid rgba(255, 255, 255, .35);
}
.claim-type {
  position: relative; display: flex; flex-direction: column; gap: .2rem;
  padding: .85rem 2.1rem .9rem 1.1rem; color: #fff; text-decoration: none;
  border-right: 1px solid rgba(255, 255, 255, .35); border-bottom: 1px solid rgba(255, 255, 255, .35);
  transition: background-color .12s;
}
.claim-type::after { content: "\203A"; position: absolute; right: 1rem; top: .8rem; font-size: 1.3rem; line-height: 1; }
.claim-type:hover { background: var(--signal-deep); }
.claim-type:active { background: var(--signal-press); }
.claim-type:focus-visible { outline: 3px solid #fff; outline-offset: -3px; border-radius: 0; }
.claim-type .t { font-family: var(--font-brand); font-stretch: 112%; font-weight: 700; font-size: 1.08rem; }
.claim-type .d { font-size: .9rem; line-height: 1.4; }
.claim-type.open { background: rgba(0, 0, 0, .1); }
.claim-type.open:hover { background: var(--signal-deep); }

/* 3. Sign-in: one ruled line. */
.signin-line { border-bottom: 1px solid var(--rule); }
.signin-row { display: flex; align-items: center; gap: 1.5rem; padding-top: 1.1rem; padding-bottom: 1.1rem; }
.signin-row p { margin: 0; color: var(--ink-2); }
.signin-row b { color: var(--ink); }
.signin-row .btn { margin-left: auto; }

/* ------------------------------------------------------------------- bands */

.sec { padding: 5.5rem 0; }
.sec-tight { padding: 3.5rem 0; }
.sec-rule { border-top: 1px solid var(--rule); }
.sec-head { max-width: 46rem; margin-bottom: 3rem; }
.sec-head h2 { margin-bottom: .75rem; }
.sec-head p { color: var(--ink-2); font-size: 1.1rem; }

.cov-split { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr); gap: 4.5rem; align-items: stretch; }
.cov { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem 3rem; }
.cov-item { padding-top: 1.25rem; border-top: 1px solid var(--brass); }
.cov-item h3 { font-stretch: 125%; font-size: 1.5rem; margin-bottom: .6rem; }
.cov-item p { color: var(--ink-2); font-size: .98rem; }
.cov-item a, .help a { font-weight: 650; }
.cov-photo { margin: 0; background: var(--paper); }
.cov-photo img { width: 100%; height: 100%; object-fit: cover; }

.mutual { display: grid; grid-template-columns: 1fr 1fr; background: var(--paper); }
.mutual-photo { margin: 0; min-height: 520px; }
.mutual-photo img { width: 100%; height: 100%; object-fit: cover; }
.mutual-text { padding: 5rem max(2rem, calc((100vw - 82rem) / 2 + 2rem)) 5rem 4.5rem; }
.mutual-text h2 { margin-bottom: 1rem; }
.mutual-text .lede { margin-bottom: 2rem; }
.mutual-text .lede a { font-weight: 650; }
.mutual-pts { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; padding-top: 1.5rem; border-top: 1px solid var(--brass); }
.mutual-pts h3 { margin-bottom: .35rem; }
.mutual-pts p { color: var(--ink-2); margin: 0; font-size: .97rem; }

.facts-line { font-size: 1.3rem; line-height: 1.6; color: var(--ink-2); max-width: 64rem; margin: 0; }
.facts-line b { color: var(--ink); font-family: var(--font-brand); font-stretch: 125%; font-weight: 750; font-variant-numeric: tabular-nums; }

.help { display: grid; grid-template-columns: repeat(3, 1fr); gap: 3rem; }
.help h3 { margin-bottom: .45rem; }
.help p { color: var(--ink-2); }

/* -------------------------------------------------------- the claims page */

.claims-head { padding: 3rem 0; border-bottom: 1px solid var(--rule); }
.claims-head-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 4rem; align-items: end; }
.claims-head h1 { color: var(--signal); font-size: 3.8rem; margin: 0; }
.claims-head .lede { margin: 0; }
.claims-body { display: grid; grid-template-columns: minmax(0, 50rem) 1fr; gap: 5rem; padding-top: 3.5rem; padding-bottom: 5rem; align-items: start; }
.claims-body > .note { grid-column: 1 / -1; max-width: 50rem; }

.steps { counter-reset: step; display: grid; gap: 3.25rem; }
.step { border: 0; margin: 0; padding: 0; min-width: 0; }
.step > h3 {
  display: flex; align-items: baseline; gap: 1rem; margin: 0;
  font-stretch: 125%; font-size: 1.6rem; font-weight: 700;
}
.step > h3::before {
  counter-increment: step; content: counter(step);
  color: var(--bay); font-size: 2.4rem; font-weight: 800; line-height: 1; min-width: 2rem;
}
.step-hint { color: var(--ink-2); margin: .35rem 0 1.25rem 3rem; }
.step .fields, .step .submit-row { margin-left: 3rem; }

.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem 1.25rem; }
.field { display: flex; flex-direction: column; gap: .35rem; min-width: 0; }
.field.full { grid-column: 1 / -1; }
.field > label, .field-legend { font-weight: 600; font-size: .94rem; }
.field .hint, .hint { font-size: .86rem; color: var(--ink-2); }
.req { color: var(--signal); font-weight: 700; margin-left: .15em; }

input[type="text"], input[type="tel"], input[type="email"], input[type="date"],
input[type="time"], input[type="url"], input[type="number"], select, textarea {
  font: inherit; font-size: 1rem; color: var(--ink); background: #fff;
  border: 1px solid var(--field-line); border-radius: var(--radius);
  padding: .65rem .75rem; width: 100%; min-height: 2.9rem;
  transition: border-color .12s, box-shadow .12s;
}
textarea { min-height: 6.5rem; resize: vertical; line-height: 1.5; }
input:hover, select:hover, textarea:hover { border-color: var(--field-line-hover); }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--bay); box-shadow: 0 0 0 3px var(--focus-soft); }
input:disabled, select:disabled, textarea:disabled { background: var(--paper); color: var(--ink-3); cursor: not-allowed; }
input::placeholder, textarea::placeholder { color: var(--ink-3); }
.field.invalid input, .field.invalid select, .field.invalid textarea,
[aria-invalid="true"] { border-color: var(--error); box-shadow: 0 0 0 3px var(--error-soft); }
.field .err { font-size: .86rem; color: var(--error); font-weight: 600; }

.choices { display: flex; flex-wrap: wrap; gap: .5rem; }
.choice {
  display: inline-flex; align-items: center; gap: .5rem; padding: .55rem .85rem;
  border: 1px solid var(--field-line); border-radius: var(--radius); background: #fff;
  cursor: pointer; font-size: .96rem;
}
.choice:hover { border-color: var(--field-line-hover); }
.choice:has(input:checked) { border-color: var(--bay); background: var(--bay-pale); }
.choice:has(input:focus-visible) { outline: 3px solid var(--focus); outline-offset: 2px; }
.choice input { accent-color: var(--bay); margin: 0; width: 1.05rem; height: 1.05rem; }

.submit-row { display: flex; gap: 1rem; align-items: center; flex-wrap: wrap; margin-top: 1.75rem; }

.next-panel { padding-top: 1.25rem; border-top: 1px solid var(--brass); max-width: 30rem; }
.claims-body .next-panel { position: sticky; top: 1.5rem; }
.next-panel h2, .next-panel h3 { font-size: 1.3rem; font-stretch: 112%; margin-bottom: 1rem; }
.next-panel ol { margin: 0 0 1.25rem; padding-left: 1.2rem; font-size: .96rem; color: var(--ink-2); }
.next-panel li { margin-bottom: .6rem; }
.next-panel p { font-size: .94rem; color: var(--ink-2); margin: 0; }

/* The confirmation page */
.receipt { padding-top: 3rem; padding-bottom: 5rem; }
.receipt h1 { font-size: 3.2rem; margin-bottom: 1.5rem; }
.receipt-grid { display: grid; grid-template-columns: minmax(0, 46rem) 1fr; gap: 5rem; align-items: start; }
.receipt .note { margin: 0 0 1.5rem; padding: 1.25rem 1.4rem; background: var(--paper); border: 0; border-top: 1px solid var(--bay); }
.receipt .note strong { display: block; font-family: var(--font-brand); font-stretch: 112%; font-size: 1.2rem; margin-bottom: .35rem; }
.receipt #cr-failed { border-top-color: var(--signal); }
.receipt #cr-failed strong { color: var(--signal-deep); }
.receipt #cr-detail { display: block; margin-top: .5rem; }

/* ---------------------------------------------------- error and not-built */

.nb-main { max-width: var(--wide); margin: 0 auto; padding: 3.5rem 2rem 5rem; }
.nb-card { max-width: 52rem; }
.nb-card h1 { font-size: 3.2rem; margin-bottom: 1.25rem; }
.nb-lede { color: var(--ink-2); font-size: 1.15rem; max-width: 42rem; }
.nb-facts { display: grid; gap: 1.5rem 2.5rem; margin: 2.25rem 0; padding-top: 1.25rem; border-top: 1px solid var(--brass); grid-template-columns: repeat(3, minmax(0, 1fr)); }
.nb-facts dt { font-size: .9rem; color: var(--ink-2); }
.nb-facts dd { margin: .2rem 0 0; font-weight: 600; }
.nb-id { font-family: var(--font-brand); font-stretch: 112%; font-weight: 700; }
.nb-path { font-family: var(--font-mono); font-size: .9rem; font-weight: 400; word-break: break-all; }
.nb-actions { display: flex; gap: .75rem; flex-wrap: wrap; }

/* ------------------------------------------------------------------ footer */

.site-footer { background: var(--ink); color: #B6BEC9; font-size: .95rem; }
.footer-inner { max-width: var(--wide); margin: 0 auto; padding: 4rem 2rem 1.5rem; }
.footer-grid { display: grid; gap: 2rem; grid-template-columns: 1.6fr 1fr 1fr 1fr; }
.footer-lockup {
  display: flex; align-items: center; gap: .6rem; color: #fff; margin-bottom: 1rem;
  font-family: var(--font-brand); font-stretch: 125%; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; font-size: 1rem;
}
.footer-lockup svg { color: #fff; }
.footer-address { font-style: normal; line-height: 1.6; }
.footer-address a { color: #fff; }
.footer-col { display: flex; flex-direction: column; gap: .45rem; }
.footer-col h2 { font-family: var(--font-brand); font-stretch: 112%; font-size: .95rem; letter-spacing: 0; color: #fff; margin: 0 0 .3rem; }
.footer-col a { color: #fff; text-decoration: none; }
.footer-col a:hover { text-decoration: underline; }
.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, .14); margin-top: 3rem; padding-top: 1.25rem;
  display: flex; gap: 1.25rem; flex-wrap: wrap; font-size: .85rem;
}
.footer-legal a { color: #B6BEC9; text-decoration: none; }
.footer-legal a:hover { text-decoration: underline; }
.footer-legal span { flex: 1 1 auto; }

/* ------------------------------------------------------------- narrow view
   Desktop first; a phone gets a breakage check only. */

@media (max-width: 1100px) {
  .claim-types { grid-template-columns: repeat(2, 1fr); }
  .claim-band-grid { grid-template-columns: 1fr; gap: 1.5rem; }
}

@media (max-width: 860px) {
  html, body { overflow-x: hidden; }
  .wrap, .header-bar, .footer-inner, .nb-main { padding-left: 1.15rem; padding-right: 1.15rem; }
  h1, .claims-head h1, .nb-card h1, .receipt h1 { font-size: 2.4rem; }
  h2 { font-size: 1.7rem; }
  .header-bar { gap: .75rem; min-height: 64px; }
  .main-nav { display: none; }
  .header-actions .btn-secondary { display: none; }
  .header-bar { flex-wrap: wrap; padding-top: .6rem; padding-bottom: .6rem; }
  .lockup .word { font-size: .86rem; letter-spacing: .04em; }
  .lockup svg { width: 24px; height: 24px; }
  .hero, .mutual, .claims-head-grid, .claims-body, .cov-split, .receipt-grid { grid-template-columns: 1fr; }
  /* On one column the photograph follows the quote box, so the largest of
     the three front doors stays above the fold. */
  .hero-text, .mutual-text { padding: 2.5rem 1.15rem; }
  .hero-photo { min-height: 14rem; }
  .quote-row { flex-direction: column; align-items: stretch; }
  .quote-products label { font-size: .85rem; padding-inline: .1rem; }
  .claim-types, .cov, .help, .mutual-pts, .nb-facts { grid-template-columns: 1fr; }
  .fields { grid-template-columns: 1fr; }
  .step-hint, .step .fields, .step .submit-row { margin-left: 0; }
  .signin-row { flex-wrap: wrap; }
  .signin-row .btn { margin-left: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .claims-body .next-panel { position: static; }
  .mutual-photo { min-height: 16rem; }
}

@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }