/* ==========================================================================
   ExpertMain - Home page
   Fonts: Montserrat (headings, stand-in for SF Pro Display), Barlow (body)
   ========================================================================== */

:root {
  --navy: #01193e;
  --navy-text: #123157;
  --teal: #017b78;
  --green: #019278;
  --mint: #edf4f3;
  --lavender: #f1f2fd;
  --white: #fff;

  /* To switch headings back to SF Pro Display, change only this variable */
  --font-heading: "Montserrat", "Segoe UI", Arial, sans-serif;
  --font-body: "Barlow", "Segoe UI", Arial, sans-serif;
  --font-alt: "Montserrat", "Segoe UI", Arial, sans-serif;

  /* Fluid type scale (design canvas is 1695px wide) */
  --fs-h1: clamp(2rem, 4.4vw, 5rem);
  --fs-h2: clamp(1.75rem, 4.2vw, 4.75rem);
  --fs-card: clamp(1.35rem, 2.55vw, 3rem);
  --fs-band: clamp(1.6rem, 3.4vw, 3.8rem);
  --fs-step: clamp(1.25rem, 2.15vw, 2.4rem);
  --fs-benefit: clamp(1.15rem, 1.8vw, 2.1rem);
  --fs-body: clamp(1rem, 1.59vw, 1.8rem);
  --fs-small: clamp(0.9rem, 1.2vw, 1.35rem);
  --fs-nav: clamp(0.8rem, 1.02vw, 1.15rem);

  --radius-lg: clamp(20px, 2.8vw, 48px);
  --radius-md: clamp(14px, 1.6vw, 26px);
  --section-gap: clamp(48px, 6.5vw, 120px);
  --header-h: clamp(64px, 7.5vw, 120px);
}

*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }

body {
  margin: 0;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: var(--fs-body);
  line-height: 1.42;
  color: var(--navy-text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

body.menu-open { overflow: hidden; }

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, p { margin: 0; }
button { font: inherit; color: inherit; cursor: pointer; }

h1, h2, h3 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.12;
  letter-spacing: -0.02em;
  color: var(--navy);
}

h1 em, h2 em { font-style: italic; font-weight: 800; }

:focus-visible { outline: 3px solid var(--green); outline-offset: 3px; }

/* The content of the site is 95% wide */
.container { width: 95%; margin-inline: auto; }

.text-green { color: var(--green); }
.text-teal { color: var(--teal); }
.nowrap { white-space: nowrap; }

.visually-hidden {
  position: absolute; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap;
}

.skip-link {
  position: absolute; left: 12px; top: -100px; z-index: 200;
  background: var(--navy); color: var(--white); padding: 10px 16px; border-radius: 8px;
}
.skip-link:focus { top: 12px; }

.rule {
  display: block;
  width: clamp(44px, 5.3vw, 96px);
  height: clamp(3px, 0.28vw, 5px);
  background: var(--teal);
  border-radius: 2px;
}
.rule--white { background: var(--white); }

.section-title {
  font-size: var(--fs-h2);
  text-align: center;
  text-wrap: balance;
}
.section-title em { font-weight: 700; }
.section-title--black { color: #000; }

/* ---------- Buttons & links ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.6em;
  padding: 0.85em 1.35em;
  font-family: var(--font-alt);
  font-weight: 700;
  font-size: clamp(0.78rem, 0.95vw, 1.05rem);
  line-height: 1;
  letter-spacing: 0.01em;
  text-transform: uppercase;
  white-space: nowrap;
  border: 2px solid transparent;
  border-radius: 0.85em;
  transition: background-color .2s, color .2s, border-color .2s, transform .2s;
}
.btn:hover { transform: translateY(-1px); }
.btn img { width: 1.3em; height: 1.3em; }

.btn--green { background: var(--teal); color: var(--white); }
.btn--green:hover { background: var(--green); }
.btn--outline { background: var(--white); color: var(--navy); border-color: var(--navy); border-width: 1.5px; }
.btn--outline:hover { background: var(--navy); color: var(--white); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: #0a2c62; }
.btn--green-2 { background: var(--green); color: var(--white); font-family: var(--font-body); font-weight: 600; }
.btn--green-2:hover { background: var(--teal); }
.btn--outline-green { border-color: var(--green); color: var(--white); font-family: var(--font-body); font-weight: 600; }
.btn--outline-green:hover { background: var(--green); }
.btn--lg {
  font-family: var(--font-body);
  font-size: clamp(0.95rem, 1.52vw, 1.7rem);
  padding: 1.05em 1.9em;
  border-radius: 0.7em;
}

.more {
  display: inline-flex; align-items: center; gap: 0.5em;
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: clamp(0.8rem, 1.1vw, 1.25rem);
  text-transform: uppercase;
  color: var(--teal);
}
.more img { width: 1.25em; height: 1.25em; transition: transform .2s; }
.more:hover img { transform: translateX(4px); }
.more--bold { font-family: var(--font-body); font-weight: 700; font-size: clamp(0.95rem, 1.52vw, 1.7rem); }
.more--white { color: var(--white); }

/* ---------- Header (sticky) ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  /* The header keeps its full height in the page flow, so the content below
     does not jump; only the white bar inside it shrinks once the page scrolls. */
  height: var(--header-h);
  pointer-events: none;
  --header-speed: .3s;
}
.site-header__bar {
  pointer-events: auto;
  background: var(--white);
  transition: box-shadow var(--header-speed) ease;
}
.site-header.is-scrolled .site-header__bar { box-shadow: 0 4px 24px rgba(1, 25, 62, .12); }

.site-header__inner {
  display: flex; align-items: center; gap: clamp(16px, 2.5vw, 48px);
  height: var(--header-h);
  padding-inline: 1%;
  transition: height var(--header-speed) ease;
}
.site-header__logo {
  flex: 0 0 auto; width: clamp(160px, 22vw, 420px);
  transition: width var(--header-speed) ease;
}
.site-header__logo img { width: 100%; }

.site-header .main-nav a,
.site-header .btn { transition: font-size var(--header-speed) ease, padding var(--header-speed) ease, background-color .2s, color .2s, border-color .2s; }
.site-header .menu-toggle { transition: transform var(--header-speed) ease; }

/* Compact state after scrolling */
.site-header.is-scrolled .site-header__inner { height: clamp(50px, 4.6vw, 76px); }
.site-header.is-scrolled .site-header__logo { width: clamp(125px, 15vw, 290px); }
.site-header.is-scrolled .main-nav a { font-size: clamp(0.72rem, 0.88vw, 1rem); }
.site-header.is-scrolled .btn { font-size: clamp(0.7rem, 0.82vw, 0.92rem); padding: 0.7em 1.15em; }
.site-header.is-scrolled .menu-toggle { transform: scale(.85); }

.main-nav { margin-left: auto; }
.main-nav ul { display: flex; align-items: center; gap: clamp(16px, 2.6vw, 52px); }
.main-nav a {
  display: block;
  line-height: 1;
  font-size: var(--fs-nav);
  text-transform: uppercase;
  position: relative;
  padding-block: 6px;
}
.main-nav a::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px;
  background: var(--teal); transform: scaleX(0); transform-origin: left; transition: transform .2s;
}
.main-nav a:hover::after { transform: scaleX(1); }

.site-header__actions { display: flex; gap: clamp(8px, 1vw, 18px); margin-left: clamp(8px, 2.2vw, 48px); }

.menu-toggle {
  display: none;
  width: 44px; height: 44px; padding: 10px;
  margin-left: auto;
  background: none; border: 0; border-radius: 10px;
  flex-direction: column; justify-content: space-between;
}
.menu-toggle span { display: block; height: 3px; border-radius: 2px; background: var(--navy); }

/* ---------- Mobile side menu ---------- */
.menu-overlay {
  position: fixed; inset: 0; z-index: 110;
  background: rgba(1, 25, 62, .55);
  opacity: 0; transition: opacity .3s;
}
.menu-overlay.is-visible { opacity: 1; }

.mobile-menu {
  position: fixed; top: 0; right: 0; z-index: 120;
  width: min(86vw, 360px); height: 100vh; height: 100dvh;
  display: flex; flex-direction: column; gap: 28px;
  padding: 22px 24px 32px;
  background: var(--white);
  box-shadow: -12px 0 40px rgba(1, 25, 62, .25);
  transform: translateX(105%);
  visibility: hidden;
  transition: transform .3s ease, visibility 0s linear .3s;
  overflow-y: auto;
}
.mobile-menu.is-open { transform: none; visibility: visible; transition: transform .3s ease; }

.mobile-menu__top { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.mobile-menu__top img { width: 170px; }
.mobile-menu__close {
  width: 44px; height: 44px; border: 0; border-radius: 50%;
  background: var(--mint); color: var(--navy); font-size: 28px; line-height: 1;
}
.mobile-menu nav a {
  display: block; padding: 16px 4px;
  font-size: 1.1rem; font-weight: 600; text-transform: uppercase; color: var(--navy);
  border-bottom: 1px solid #dfe5ea;
}
.mobile-menu nav a:hover { color: var(--teal); }
.mobile-menu__actions { display: grid; gap: 12px; margin-top: auto; }
.mobile-menu__actions .btn { font-size: 0.95rem; padding-block: 1.1em; }

/* ---------- Hero ---------- */
.hero__inner {
  position: relative;
  display: flex; align-items: center;
  min-height: calc(95vw * 1048 / 2400);
  padding: 4% 4.6%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  color: var(--white);
}
.hero__bg {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: right center;
}
.hero__content { position: relative; width: 56%; }
.hero h1 { font-size: var(--fs-h1); color: var(--white); }
.hero .rule { margin-block: clamp(14px, 2vw, 38px) clamp(12px, 1.6vw, 30px); }
.hero__lead { font-size: clamp(1rem, 1.5vw, 1.7rem); max-width: 21em; }
.hero__lead strong { font-weight: 700; }

.search {
  display: flex; align-items: stretch; gap: clamp(8px, 1vw, 18px);
  margin-top: clamp(18px, 2.6vw, 50px);
  padding: clamp(8px, 0.85vw, 16px);
  max-width: 46em;
  background: var(--white);
  border-radius: clamp(14px, 1.5vw, 26px);
}
.search__field {
  flex: 1; min-width: 0;
  display: flex; align-items: center; gap: 10px;
  padding: 0 clamp(10px, 1vw, 18px);
  border: 1px solid #2b2b2b;
  border-radius: clamp(10px, 1vw, 18px);
}
.search__field img { flex: 0 0 auto; width: clamp(18px, 1.6vw, 28px); }
.search__field input {
  flex: 1; min-width: 0; height: clamp(40px, 3.2vw, 58px);
  border: 0; outline: 0; background: none;
  font-family: var(--font-alt); font-size: clamp(0.75rem, 0.8vw, 0.95rem); color: #111;
}
.search__field input::placeholder { font-style: italic; font-weight: 300; color: #555; }
.search__field:focus-within { border-color: var(--teal); box-shadow: 0 0 0 2px rgba(1, 123, 120, .25); }

.hero__categories { margin-top: clamp(16px, 2.4vw, 46px); font-size: clamp(0.9rem, 1.2vw, 1.35rem); }
.hero__categories p { font-weight: 700; margin-bottom: 0.45em; }
.hero__categories ul { display: flex; flex-wrap: wrap; gap: 0.3em 1.4em; }
.hero__categories a:hover { text-decoration: underline; }

.hero__highlights {
  position: absolute; right: 2.8%; bottom: 6.5%;
  padding: clamp(12px, 1.5vw, 28px) clamp(16px, 2vw, 38px);
  background: rgba(1, 25, 62, .85);
  border-radius: var(--radius-md);
  font-size: clamp(0.9rem, 1.22vw, 1.4rem);
  line-height: 1.6;
}
.hero__highlights li::before { content: "\00B7"; margin-right: 0.3em; font-weight: 700; }

/* ---------- Benefits ---------- */
.benefits {
  display: grid; grid-template-columns: repeat(3, auto); justify-content: space-between;
  gap: 24px;
  padding: clamp(32px, 4.6vw, 86px) 1.5%;
}
.benefit { display: flex; align-items: flex-start; gap: clamp(12px, 1.8vw, 34px); }
.benefit img { flex: 0 0 auto; width: clamp(48px, 5.3vw, 100px); margin-top: 0.15em; }
.benefit h2 { font-size: var(--fs-benefit); margin-bottom: 0.35em; }

/* ---------- Become an expert band ---------- */
.expert-band {
  color: var(--white);
  background:
    url("../images/home-page/become-an-expert-green-background.webp") center / cover no-repeat,
    linear-gradient(90deg, var(--teal), var(--green));
}
.expert-band__inner {
  display: grid; grid-template-columns: auto minmax(0, 1fr) auto; align-items: center;
  gap: clamp(20px, 4.5vw, 90px);
  padding: clamp(28px, 3.6vw, 70px) 6.5% clamp(28px, 3.6vw, 70px) 9%;
}
.expert-band h2 {
  font-family: var(--font-body); font-size: var(--fs-band); letter-spacing: 0;
  color: var(--white);
}
.expert-band p { max-width: 21em; text-wrap: balance; }

/* ---------- Expertise ---------- */
.expertise { padding-block: var(--section-gap); }
.expertise__grid {
  display: grid;
  grid-template-columns: 424fr 376fr 376fr;
  grid-template-areas:
    "tech    sales  sales"
    "tech    health biz"
    "finance health biz"
    "finance hr     hr"
    "all     all    all";
  gap: clamp(16px, 2.3vw, 44px);
  margin-top: clamp(28px, 5.6vw, 100px);
  padding-inline: 2.5%;
}
.card--tech { grid-area: tech; }
.card--sales { grid-area: sales; }
.card--health { grid-area: health; }
.card--biz { grid-area: biz; }
.card--finance { grid-area: finance; }
.card--hr { grid-area: hr; }
.card--all { grid-area: all; }

.card {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: clamp(14px, 1.7vw, 32px);
  padding: clamp(16px, 2.1vw, 40px);
  background: var(--mint);
  border-radius: var(--radius-lg);
  text-align: center;
}
.card--reverse { flex-direction: column-reverse; }
.card--row { flex-direction: row; }
.card--row-reverse { flex-direction: row-reverse; }

.card__img { width: 100%; }
.card--row .card__img { width: 52%; flex: 0 0 auto; }
.card--all .card__img { width: 60%; }

.card__body {
  flex: 0 0 auto; min-width: 0;
  display: flex; flex-direction: column; align-items: center;
  padding: clamp(4px, 0.8vw, 16px) clamp(0px, 0.6vw, 12px);
}
.card--row .card__body { flex: 1; justify-content: center; }
.card h3 { font-size: var(--fs-card); }
.card .rule { margin-block: clamp(12px, 1.5vw, 28px); }
.card p { text-wrap: balance; }
.card--row p { max-width: 16em; }
.card--all p { max-width: none; }
.card .more { margin-top: clamp(12px, 1.6vw, 30px); }

/* ---------- How it works ---------- */
.how {
  padding-block: var(--section-gap);
  background: url("../images/home-page/how-it-works-background.webp") center / cover no-repeat;
  margin-top: calc(var(--section-gap) * -1);
  padding-top: calc(var(--section-gap) * 1.6);
}
.steps {
  position: relative;
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: clamp(16px, 3vw, 60px);
  margin-top: clamp(28px, 4.6vw, 86px);
  text-align: center;
  --num: clamp(44px, 3.8vw, 72px);
}
.steps::before {
  content: ""; position: absolute; z-index: 0;
  top: calc(var(--num) / 2 - 1.5px); left: 16.666%; right: 16.666%; height: 3px;
  background: url("../images/home-page/how-it-works-line.svg") left center / auto 3px repeat-x;
}
.step { position: relative; display: flex; flex-direction: column; align-items: center; }
.step__num {
  display: grid; place-items: center;
  width: var(--num); height: var(--num);
  border-radius: 50%;
  background: var(--teal); color: var(--white);
  font-weight: 700; font-size: clamp(1.3rem, 2.2vw, 2.5rem); line-height: 1;
  box-shadow: 0 0 0 clamp(6px, 0.7vw, 12px) var(--white);
}
.step__num--navy { background: var(--navy); }
.step h3 {
  font-family: var(--font-body); font-size: var(--fs-step); letter-spacing: 0;
  margin-block: clamp(20px, 3.6vw, 68px) clamp(10px, 1.4vw, 26px);
}
.step p { max-width: 15em; text-wrap: balance; }

/* ---------- Nationwide ---------- */
.nationwide {
  position: relative;
  display: flex; align-items: center;
  min-height: calc(100vw * 892 / 2560);
  padding-block: clamp(48px, 6vw, 120px);
  background: var(--navy);
  color: var(--white);
  overflow: hidden;
}
.nationwide__bg {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: center;
}
.nationwide__content { position: relative; padding-inline: 1.5%; }
.nationwide h2 { font-size: var(--fs-h1); color: var(--white); }
.nationwide .rule { margin-block: clamp(16px, 2.2vw, 42px); }
.nationwide p { max-width: 21em; }
.nationwide p strong { font-weight: 700; }

/* ---------- Compliance ---------- */
.compliance { background: var(--lavender); padding-block: clamp(56px, 8.2vw, 150px); }
.compliance__inner {
  display: grid; grid-template-columns: minmax(0, 1fr) 33%; align-items: center;
  gap: clamp(24px, 4vw, 80px);
  padding-inline: 2.5% 4%;
}
.compliance h2 { font-size: var(--fs-h1); }
.compliance .rule { margin-block: clamp(18px, 2.6vw, 50px) clamp(16px, 2.4vw, 46px); }
.compliance__sub {
  font-size: clamp(1.3rem, 3.1vw, 3.5rem); line-height: 1.15; color: var(--navy);
  margin-bottom: clamp(18px, 3vw, 58px);
}
.compliance__sub strong { font-weight: 700; }
.compliance__text p:not(.compliance__sub) { max-width: 33em; margin-bottom: 1.4em; }
.compliance__text .more { margin-top: 0.6em; }

.compliance__media { position: relative; }
.compliance__media img { width: 100%; }
.compliance__badge {
  position: absolute; top: -4.5%; right: -4%;
  width: 54%;
  display: flex; flex-direction: column; align-items: center;
  padding: clamp(12px, 1.6vw, 30px) clamp(10px, 1.2vw, 24px) clamp(14px, 1.9vw, 36px);
  background: rgba(1, 25, 62, .85);
  border-radius: var(--radius-md);
  color: var(--white); text-align: center;
}
.compliance__badge strong { font-size: clamp(2.2rem, 5vw, 5.7rem); line-height: 1.1; }
.compliance__badge span { font-weight: 700; font-size: clamp(0.9rem, 1.75vw, 2rem); line-height: 1.15; max-width: 8em; }

/* ---------- FAQ ---------- */
.faq { padding-block: var(--section-gap); }
.faq__list { width: min(100%, 80%); margin: clamp(24px, 3.2vw, 60px) auto 0; }
.faq__item { border-bottom: 1px solid #b9bcc2; }
.faq__item:last-child { border-bottom: 0; }
.faq__item h3 { font: inherit; letter-spacing: 0; }
.faq__item button {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  width: 100%;
  padding: clamp(16px, 1.75vw, 32px) clamp(8px, 3.4%, 60px);
  background: none; border: 0; text-align: left;
  font-family: var(--font-body); font-weight: 700;
  font-size: clamp(1.05rem, 1.72vw, 1.95rem); line-height: 1.25;
  color: var(--navy-text);
}
.faq__item button:hover { color: var(--teal); }
.faq__icon {
  flex: 0 0 auto;
  width: clamp(26px, 2.1vw, 40px); aspect-ratio: 1;
  background: url("../images/home-page/icon-plus.svg") center / contain no-repeat;
}
.faq__item.is-open .faq__icon { background-image: url("../images/home-page/icon-minus.svg"); }

.faq__panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .3s ease; }
.faq__panel > div { overflow: hidden; visibility: hidden; transition: visibility 0s linear .3s; }
.faq__item.is-open .faq__panel { grid-template-rows: 1fr; }
.faq__item.is-open .faq__panel > div { visibility: visible; transition: none; }
.faq__panel p {
  max-width: 50em;
  padding: 0 clamp(8px, 3.4%, 60px) clamp(22px, 3vw, 56px);
  font-family: var(--font-alt); font-weight: 400;
  font-size: clamp(0.92rem, 1.15vw, 1.3rem); line-height: 1.75;
  color: #000;
}

/* ---------- Speak with CTA ---------- */
.speak { padding-bottom: var(--section-gap); }
.speak__inner {
  position: relative;
  display: flex; align-items: center;
  width: 95%; margin-inline: auto;
  min-height: calc(95vw * 0.95 * 1101 / 2400);
  padding: 5% 4.6%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  color: var(--white);
}
.speak__bg {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: right center;
}
.speak__content { position: relative; width: 55%; }
.speak h2 { font-size: var(--fs-h1); color: var(--white); }
.speak p { max-width: 21em; margin-block: clamp(16px, 4vw, 78px) clamp(18px, 2.6vw, 50px); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy); color: var(--white);
  padding-block: clamp(48px, 7vw, 130px) clamp(40px, 4vw, 76px);
  font-size: clamp(0.95rem, 1.19vw, 1.35rem);
}
.site-footer__inner {
  display: grid; grid-template-columns: 1.55fr 0.9fr 0.9fr 0.9fr 1.2fr;
  gap: clamp(20px, 2.4vw, 48px);
  padding-inline: 2.5%;
}
.site-footer__brand > a:first-child img { width: clamp(180px, 20.8vw, 400px); }
.site-footer__brand p { margin-block: clamp(20px, 3.4vw, 64px) clamp(24px, 3.6vw, 68px); max-width: 21em; line-height: 1.45; }
.site-footer__brand strong { font-weight: 700; }
.site-footer__schedule { font-family: var(--font-body); font-size: inherit; }

.site-footer__col { text-align: center; padding-top: 0.3em; }
.site-footer__col h2,
.site-footer__col .is-current {
  font-family: var(--font-body); font-weight: 700; font-size: inherit; letter-spacing: 0;
  color: var(--teal);
}
.site-footer__col h2 { margin-bottom: 0.75em; line-height: 1.42; }
.site-footer__col li + li { margin-top: 0.75em; }
.site-footer__col--upper { text-transform: uppercase; }
.site-footer__col a:hover,
.site-footer__schedule:hover { color: var(--green); }

.site-footer__actions { display: flex; flex-direction: column; align-items: center; gap: clamp(20px, 2.6vw, 50px); padding-top: 1.6em; }
.social { display: flex; align-items: center; gap: clamp(14px, 1.5vw, 28px); }
.social a {
  font-family: var(--font-heading); font-weight: 800;
  font-size: clamp(1.4rem, 2.1vw, 2.4rem); line-height: 1;
}
.social a:hover { color: var(--green); }
.site-footer__buttons { display: flex; gap: clamp(10px, 1.2vw, 22px); }
.site-footer__buttons .btn { font-size: clamp(0.85rem, 1.14vw, 1.25rem); padding: 1.05em 1.7em; }

/* ==========================================================================
   Tablet & mobile
   ========================================================================== */
@media (max-width: 1000px) {
  .main-nav,
  .site-header__actions { display: none; }
  .menu-toggle { display: flex; }

  /* Hero: text on top of a darkened photo */
  .hero__inner {
    flex-direction: column; align-items: stretch; justify-content: center;
    gap: 24px;
    padding: 40px 6%;
    background: var(--navy);
  }
  .hero__bg { object-position: 72% center; }
  .hero__inner::before {
    content: ""; position: absolute; inset: 0; z-index: 1;
    background: linear-gradient(180deg, rgba(1, 25, 62, .86) 0%, rgba(1, 25, 62, .66) 100%);
  }
  .hero__content { width: 100%; z-index: 2; }
  .hero__highlights { position: relative; z-index: 2; right: auto; bottom: auto; align-self: flex-start; }

  .benefits { grid-template-columns: repeat(3, 1fr); justify-content: stretch; gap: 20px; padding-inline: 0; }
  .benefit { flex-direction: column; align-items: center; text-align: center; }
  .benefit img { width: 56px; height: 52px; object-fit: contain; }

  .expert-band__inner { grid-template-columns: 1fr; justify-items: start; gap: 18px; padding-inline: 3%; }
  .expert-band h2 { max-width: none; }

  /* Expertise: two columns, every card stacks image over text */
  .expertise__grid {
    grid-template-columns: repeat(2, 1fr);
    grid-template-areas: none;
    padding-inline: 0;
  }
  .expertise__grid .card { grid-area: auto; flex-direction: column; justify-content: flex-start; }
  .expertise__grid .card__img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--radius-md); }
  .expertise__grid .card--all { grid-column: 1 / -1; }
  .expertise__grid .card--all .card__img { aspect-ratio: 10 / 3; }
  .expertise__grid .card__body { flex: 0 0 auto; }

  .nationwide { min-height: 0; }
  .nationwide__bg { object-position: 70% center; }
  .nationwide::before {
    content: ""; position: absolute; inset: 0; z-index: 1;
    background: linear-gradient(90deg, rgba(1, 13, 43, .82) 0%, rgba(1, 13, 43, .35) 100%);
  }
  .nationwide__content { z-index: 2; }

  .compliance__inner { grid-template-columns: minmax(0, 1fr) 38%; padding-inline: 0 3%; }

  .faq__list { width: 100%; }

  .speak__inner { width: 100%; min-height: 0; padding: 48px 6%; background: var(--navy); }
  .speak__bg { object-position: 80% center; }
  .speak__inner::before {
    content: ""; position: absolute; inset: 0; z-index: 1;
    background: linear-gradient(90deg, rgba(1, 25, 62, .85) 0%, rgba(1, 25, 62, .45) 100%);
  }
  .speak__content { width: 100%; max-width: 30em; z-index: 2; }

  .site-footer__inner { grid-template-columns: repeat(3, 1fr); gap: 36px 20px; padding-inline: 0; }
  .site-footer__brand { grid-column: 1 / -1; }
  .site-footer__col { text-align: left; }
  .site-footer__actions { grid-column: 1 / -1; flex-direction: row; justify-content: space-between; flex-wrap: wrap; padding-top: 0; }
}

@media (max-width: 640px) {
  .hero__inner { padding: 32px 20px; }
  .search { flex-direction: column; padding: 10px; }
  .search__field input { height: 46px; }
  .search .btn { padding-block: 1.15em; font-size: 0.85rem; }
  .hero__highlights { align-self: stretch; }

  .benefits { grid-template-columns: 1fr; gap: 26px; padding-inline: 3%; }
  .benefit { flex-direction: row; align-items: flex-start; text-align: left; }

  .expert-band__inner { padding-block: 36px; }
  .expert-band .btn { width: 100%; }

  .expertise__grid { grid-template-columns: 1fr; }
  .expertise__grid .card { padding: 18px 18px 26px; }
  .expertise__grid .card--all .card__img { aspect-ratio: 16 / 9; }

  /* Steps become a vertical timeline */
  .steps { grid-template-columns: 1fr; gap: 36px; }
  .steps::before { display: none; }
  .step h3 { margin-top: 18px; }

  .compliance__inner { grid-template-columns: 1fr; padding-inline: 0; }
  .compliance__media { width: min(100%, 420px); margin: 28px auto 0; }
  .compliance__badge { right: -2%; }

  .faq__item button { padding-inline: 4px; }
  .faq__panel p { padding-inline: 4px; }

  .site-footer__inner { grid-template-columns: repeat(2, 1fr); }
  .site-footer__col--upper { grid-column: 1 / -1; }
  .site-footer__col--upper ul { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.75em 20px; }
  .site-footer__col--upper li + li { margin-top: 0; }
  .site-footer__actions { flex-direction: column; align-items: flex-start; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: 0.01ms !important; }
}