:root {
  --navy: #0B1B3F;
  --ink: #16294A;
  --gold: #C9962B;
  --paper: #FFFFFF;
  --mist: #F3F5F8;
  --line: #D9DEE7;
  --muted: #5B6B85;
  --bg: var(--paper);
  --fg: var(--ink);
  --surface: var(--mist);
  --btn: var(--navy);
  --btn-fg: #FFFFFF;
  --danger: #A32B2B;
  --ok: #1F7A4D;
  --font-head: 'Manrope', system-ui, sans-serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
  --gutter: 16px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(11, 27, 63, .06), 0 4px 12px rgba(11, 27, 63, .05);
  --shadow-md: 0 2px 4px rgba(11, 27, 63, .05), 0 14px 34px rgba(11, 27, 63, .10);
  --shadow-lg: 0 4px 8px rgba(11, 27, 63, .06), 0 30px 70px rgba(11, 27, 63, .18);
  --ease: cubic-bezier(.2, .7, .2, 1);
  color-scheme: light;
}

html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--fg);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  overflow-x: clip; /* clip, not hidden: hidden makes body a scroll container and kills position: sticky */
  -webkit-text-size-adjust: 100%;
}
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--navy); line-height: 1.12; margin: 0 0 .5em; text-wrap: balance; }
h1 { font-size: clamp(2.1rem, 7vw, 3.6rem); font-weight: 700; letter-spacing: -0.025em; }
h2 { font-size: clamp(1.6rem, 5vw, 2.4rem); font-weight: 700; letter-spacing: -0.015em; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0 0 1em; }
a { color: inherit; text-decoration-color: var(--gold); text-underline-offset: 3px; }
img, svg, video { max-width: 100%; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

.wrap { width: 100%; max-width: 72rem; margin: 0 auto; padding: 0 var(--gutter); box-sizing: border-box; }
.narrow { max-width: 44rem; }
.more { margin-top: 24px; }
.disclosure-block { margin-top: 28px; max-width: 44rem; }
.section-gap { margin-top: 40px; }
.body-section { padding-top: 8px; }
.faq { max-width: 56rem; }
/* Closing band, the same dark card on every page. */
.cta-band {
  text-align: center; border-radius: 28px; padding: 56px 24px; color: #fff;
  background: radial-gradient(30rem 16rem at 80% 0%, rgba(201, 150, 43, .28), transparent 65%), linear-gradient(160deg, #16294A, var(--navy));
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; }
.cta-band .actions { justify-content: center; }
.cta-band .btn-primary { background: #fff; color: var(--navy); border-color: #fff; box-shadow: 0 8px 22px rgba(0, 0, 0, .25); }
.cta-band .btn-secondary { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .5); }
.cta-band .btn-secondary:hover { border-color: #fff; }
.cta-band .lede { color: rgba(255, 255, 255, .85); margin: 0 auto; }
/* A narrow block inside a section shares the section left edge; it never centres on its own. */
.wrap > .narrow { margin: 0; }
.section { padding: 72px 0; }
.section.alt { background: linear-gradient(180deg, var(--surface), #fff 140%); }
.eyebrow { font-family: var(--font-head); font-weight: 600; font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.eyebrow::after { content: ''; display: block; width: 36px; height: 3px; border-radius: 2px; background: var(--gold); margin-top: 10px; }
.lede { font-size: 1.2rem; color: var(--muted); max-width: 40rem; text-wrap: pretty; }
.hero {
  padding: 64px 0 56px;
  background:
    radial-gradient(46rem 26rem at 88% -8%, rgba(201, 150, 43, .16), transparent 62%),
    radial-gradient(42rem 26rem at -8% 6%, rgba(11, 27, 63, .09), transparent 62%),
    linear-gradient(180deg, #fff, var(--mist));
}
.hero h1 { max-width: 16em; }
.tagline { font-family: var(--font-head); font-weight: 600; color: var(--muted); margin-bottom: 24px; font-size: 1.15rem; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 50px; padding: 0 26px; border-radius: 12px;
  font-family: var(--font-head); font-weight: 600; font-size: 1rem;
  text-decoration: none; cursor: pointer; border: 1.5px solid var(--btn);
  box-sizing: border-box; max-width: 100%;
  transition: transform .15s var(--ease), box-shadow .2s var(--ease), filter .2s var(--ease), border-color .2s;
}
.btn-primary {
  background: linear-gradient(180deg, #1D3C7A 0%, var(--navy) 100%); color: var(--btn-fg);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .18), 0 6px 16px rgba(11, 27, 63, .22);
}
.btn-primary:hover { filter: brightness(1.12); box-shadow: inset 0 1px 0 rgba(255, 255, 255, .22), 0 10px 24px rgba(11, 27, 63, .28); }
.btn-secondary { background: #fff; color: var(--navy); border-color: var(--line); box-shadow: var(--shadow-sm); }
.btn-secondary:hover { border-color: var(--gold); }
.btn:active { transform: translateY(1px) scale(.985); filter: brightness(.96); }
.btn:disabled { opacity: .5; cursor: not-allowed; }
.btn-small { min-height: 40px; padding: 0 16px; font-size: .9rem; }

.site-header { border-bottom: 1px solid rgba(217, 222, 231, .7); background: rgba(255, 255, 255, .82); backdrop-filter: saturate(160%) blur(14px); position: sticky; top: 0; z-index: 20; }
.site-header .bar { display: flex; align-items: center; justify-content: space-between; min-height: 68px; gap: 12px; }
.logo { display: inline-flex; align-items: center; }
.logo img { height: 44px; width: auto; display: block; }
.nav-desktop { display: none; gap: 22px; align-items: center; font-size: .95rem; }
.nav-desktop a:not(.btn) { position: relative; text-decoration: none; padding: 6px 0; }
.nav-desktop a:not(.btn)::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; border-radius: 2px;
  background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .28s var(--ease);
}
.nav-desktop a:not(.btn):hover::after, .nav-desktop a[aria-current='page']::after { transform: scaleX(1); }
.nav-mobile summary { list-style: none; cursor: pointer; font-family: var(--font-head); font-weight: 600; padding: 10px 0; }
.nav-mobile summary::-webkit-details-marker { display: none; }
.nav-mobile nav { position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md); padding: 8px var(--gutter) 16px; display: flex; flex-direction: column; }
.nav-mobile nav a { padding: 12px 0; text-decoration: none; border-bottom: 1px solid var(--line); }
@media (min-width: 900px) {
  .nav-desktop { display: flex; }
  .nav-mobile { display: none; }
}

.footer-logo { height: 40px; width: auto; display: block; margin-bottom: 10px; }
.site-footer { background: var(--navy); color: #D9DEE7; padding: 56px 0 32px; font-size: .95rem; }
.site-footer a { color: #fff; }
.site-footer h4 { color: #fff; font-size: .85rem; letter-spacing: .1em; text-transform: uppercase; }
.footer-grid { display: grid; gap: 28px; grid-template-columns: 1fr; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer-note { margin-top: 32px; padding-top: 20px; border-top: 1px solid #2A3C61; font-size: .85rem; color: #9DAAC2; }
@media (min-width: 700px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }

.grid-2, .grid-3, .grid-4 { display: grid; gap: 20px; grid-template-columns: 1fr; }
@media (min-width: 700px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1000px) { .grid-4 { grid-template-columns: repeat(4, 1fr); } }
.card {
  border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px; background: #fff;
  box-shadow: var(--shadow-sm); transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s;
}
.card:hover { transform: translateY(-2px); border-color: var(--gold); box-shadow: var(--shadow-md); }
.card h3 { margin-bottom: 8px; }
.card p:last-child { margin-bottom: 0; }
.card.link { display: block; text-decoration: none; }
.step-num {
  width: 44px; height: 44px; border-radius: 14px; margin-bottom: 16px; display: grid; place-items: center;
  font-family: var(--font-head); font-weight: 700; font-size: 1.25rem; line-height: 1; color: #F3DDA6;
  background: linear-gradient(160deg, #1D3C7A, var(--navy)); box-shadow: 0 6px 14px rgba(11, 27, 63, .22);
}
.trust { display: grid; gap: 10px; grid-template-columns: 1fr 1fr; padding: 22px 0; font-family: var(--font-head); font-weight: 600; font-size: .9rem; }
.trust span { display: flex; align-items: center; gap: 10px; padding: 12px 16px; background: #fff; border: 1px solid var(--line); border-radius: 999px; box-shadow: var(--shadow-sm); }
.trust span::before { content: ''; flex: none; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 4px rgba(201, 150, 43, .18); }
@media (min-width: 900px) { .trust { grid-template-columns: repeat(4, 1fr); } }
.logos { display: flex; flex-wrap: wrap; gap: 12px 14px; align-items: center; font-family: var(--font-head); font-weight: 700; font-size: 1.1rem; }
.logos li { padding: 10px 20px; border-radius: 999px; background: #fff; border: 1px solid var(--line); color: var(--muted); transition: color .2s, border-color .2s, transform .2s var(--ease); }
.logos li:hover { color: var(--navy); border-color: var(--gold); transform: translateY(-2px); }

.disclosure { display: flex; gap: 12px; align-items: flex-start; border: 1px solid var(--line); border-left: 3px solid var(--gold); background: rgba(255, 255, 255, .8); padding: 14px 18px; border-radius: var(--radius); font-size: .95rem; box-shadow: var(--shadow-sm); }
.disclosure strong { font-family: var(--font-head); }

.prose { max-width: 44rem; }
.prose h2 { font-size: 1.6rem; margin-top: 1.6em; }
.prose ul { padding-left: 1.2em; }
.prose li { margin-bottom: .4em; }
.faq details { border-bottom: 1px solid var(--line); padding: 16px 0; }
.faq summary { font-family: var(--font-head); font-weight: 600; cursor: pointer; font-size: 1.1rem; color: var(--navy); }
.faq details p { margin: 10px 0 0; color: var(--muted); }

.form { display: grid; gap: 16px; max-width: 36rem; }
.field label, .field legend { display: block; font-weight: 500; margin-bottom: 6px; font-size: .95rem; }
.field .opt { color: var(--muted); font-weight: 400; }
.input {
  width: 100%; box-sizing: border-box; min-height: 50px; padding: 10px 14px; font: inherit; font-size: 16px;
  color: var(--fg); background: #fff; border: 1px solid var(--line); border-radius: 12px;
  transition: border-color .2s, box-shadow .2s;
}
.input:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 4px rgba(201, 150, 43, .18); }
textarea.input { min-height: 120px; resize: vertical; }
.form-msg { min-height: 1.4em; font-size: .95rem; }
.form-msg.error { color: var(--danger); }
.form-msg.ok { color: var(--ok); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.hidden { display: none !important; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.result-card { display: grid; gap: 8px; }
.result-card .rank { font-family: var(--font-head); font-weight: 700; color: var(--gold); }
.badge { display: inline-block; font-family: var(--font-head); font-weight: 600; font-size: .75rem; letter-spacing: .06em; text-transform: uppercase; border: 1px solid var(--gold); color: var(--ink); background: #FBF4E4; padding: 2px 10px; border-radius: 999px; }
.score { font-family: var(--font-head); font-weight: 700; font-size: 1.5rem; }
.reasons { margin: 0; padding-left: 1.2em; color: var(--muted); }

/* Answer chips and grouped fields, shared by the stepper and the advisor question card. */
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip-opt { min-height: 44px; padding: 0 16px; border-radius: 999px; border: 1px solid var(--line); background: #fff; color: var(--fg); font: inherit; cursor: pointer; transition: border-color .2s, background .2s, color .2s; }
.chip-opt:hover { border-color: var(--gold); }
.chip-opt[aria-pressed='true'] { background: var(--navy); color: #fff; border-color: var(--navy); }
/* Fifty one chips must fit beside the stage without a scroll at a normal desktop height. */
.state-grid { display: flex; flex-wrap: wrap; gap: 6px; max-height: none; margin-top: 8px; }
.state-grid .chip-opt { min-height: 34px; padding: 0 12px; font-size: .9rem; }
/* Group questions lay their parts out side by side on wide screens so the card needs no scroll. */
.subq-grid { display: grid; gap: 14px 24px; grid-template-columns: 1fr; }
@media (min-width: 800px) { .subq-grid { grid-template-columns: 1fr 1fr; } }
.subq { margin-bottom: 0; min-width: 0; }
.subq > .sub-prompt { font-weight: 500; margin-bottom: 8px; }

/* Answers panel and the typed question card, shared by the call overlay and the home page advisor. */
.panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); color: var(--ink); display: flex; flex-direction: column; overflow: hidden; }
.panel-handle { background: none; border: 0; color: var(--navy); padding: 12px var(--gutter); display: flex; align-items: center; gap: 10px; font-family: var(--font-head); font-weight: 600; width: 100%; cursor: pointer; }
.panel-handle::before { content: ''; width: 36px; height: 4px; border-radius: 2px; background: var(--line); }
.panel-handle .progress { margin-left: auto; color: var(--muted); font-size: .85rem; }
.panel-body { max-height: 34vh; overflow-y: auto; padding: 0 var(--gutter) 12px; }
.panel[data-open='false'] .panel-body { display: none; }
.q-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
/* One line per question, label left and answer right, so all 13 fit without scrolling. */
.q-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 5px 10px; border-radius: 8px; border-left: 3px solid transparent; font-size: .88rem; line-height: 1.35; }
.q-row .q-label { color: var(--muted); white-space: nowrap; }
.q-row .q-value { color: var(--navy); font-weight: 500; text-align: right; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.q-row.current { background: var(--mist); border-left-color: var(--gold); }
.q-row.flash { animation: qflash 1.2s ease-out; }
@keyframes qflash { from { background: #FBF4E4; } to { background: transparent; } }
.clip-card { flex: 0 0 auto; max-height: 55%; overflow-y: auto; background: #fff; color: var(--ink); padding: 18px var(--gutter); border-top: 3px solid var(--gold); }
.clip-card[hidden] { display: none; }
.clip-prompt { margin: 0 0 12px; font-family: var(--font-head); font-weight: 600; font-size: 1.1rem; color: var(--navy); }
.clip-msg { min-height: 1.2em; margin: 8px 0 0; color: var(--danger); font-size: .9rem; }
.clip-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 8px; }

/* Scroll reveal: only armed when the head script found IntersectionObserver and no reduced motion. */
.reveal-ready .section > .wrap, .reveal-ready [data-reveal] { opacity: 0; transform: translateY(12px); transition: opacity .4s ease, transform .4s ease; }
.reveal-ready .section > .wrap.is-in, .reveal-ready [data-reveal].is-in { opacity: 1; transform: none; }

[hidden] { display: none !important; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}

/* ---- Colour accents and pointer effects ---- */
:root {
  --sky: #2F6BBF;        /* a cooler cousin of the navy, for small accents */
  --teal: #1C8E8E;
  --tint-sky: rgba(47, 107, 191, .08);
  --tint-gold: rgba(201, 150, 43, .10);
}

/* Section bands alternate a faint sky tint instead of flat grey. */
.section.alt { background: linear-gradient(180deg, var(--tint-sky), rgba(255, 255, 255, 0) 72%), var(--surface); }

/* Eyebrow rules and card edges carry the accent. */
.eyebrow::after { background: linear-gradient(90deg, var(--gold), var(--sky)); }
.card { position: relative; }
.card::after {
  content: ''; position: absolute; inset: 0; border-radius: inherit; pointer-events: none;
  background: linear-gradient(120deg, var(--tint-gold), transparent 38%, var(--tint-sky));
  opacity: 0; transition: opacity .3s var(--ease);
}
.card:hover::after { opacity: 1; }
.card h3 { color: var(--navy); }
.step-num { background: linear-gradient(140deg, var(--navy), var(--sky)); color: #fff; }
.logos li:hover { color: var(--sky); border-color: var(--sky); }
.q-row.current { background: linear-gradient(90deg, var(--tint-gold), transparent); }
a { color: var(--sky); }
.site-footer a { color: #fff; }
.faq summary:hover { color: var(--sky); }

/* The aurora: a lagging wash of colour behind every page. */
.aurora {
  position: fixed; inset: 0; z-index: 0; pointer-events: none; opacity: 0;
  transition: opacity .8s var(--ease);
  background:
    radial-gradient(22rem 22rem at var(--ax, 50%) var(--ay, 30%), rgba(47, 107, 191, .13), transparent 70%),
    radial-gradient(30rem 30rem at calc(var(--ax, 50%) + 6rem) calc(var(--ay, 30%) + 4rem), rgba(201, 150, 43, .10), transparent 72%);
}
.aurora[data-on='true'] { opacity: 1; }
.site-header, main, .site-footer { position: relative; z-index: 1; }

/* The card under the pointer lights up where the pointer is. */
.pointer-fx .card, .pointer-fx .logos li, .pointer-fx .faq details, .pointer-fx .cta-band { position: relative; }
.pointer-fx .card::before, .pointer-fx .cta-band::before, .pointer-fx .faq details::before {
  content: ''; position: absolute; inset: 0; border-radius: inherit; pointer-events: none;
  background: radial-gradient(14rem 14rem at var(--px, 50%) var(--py, 50%), rgba(201, 150, 43, .16), transparent 68%);
  opacity: 0; transition: opacity .25s var(--ease);
}
.pointer-fx .cta-band::before { background: radial-gradient(18rem 18rem at var(--px, 50%) var(--py, 50%), rgba(255, 255, 255, .14), transparent 66%); }
.pointer-fx .card:hover::before, .pointer-fx .cta-band:hover::before, .pointer-fx .faq details:hover::before { opacity: 1; }
/* The highlight is a layer ON TOP of the navy gradient, never a replacement for it. */
.pointer-fx .btn-primary {
  background-image:
    radial-gradient(9rem 9rem at var(--px, 50%) var(--py, 50%), rgba(255, 255, 255, .22), transparent 70%),
    linear-gradient(180deg, #1D3C7A 0%, var(--navy) 100%);
}

@media (prefers-reduced-motion: reduce) {
  .aurora { display: none; }
  .card::after, .pointer-fx .card::before, .pointer-fx .cta-band::before { transition: none; }
}

/* Every white-on-dark primary button (closing band, call lobby, finish screens) keeps its white
   base under the pointer highlight; one rule so a new dark surface cannot miss it. */
.btn-primary.on-dark,
.cta-band .btn-primary, .adv-finish .btn-primary, .finish .btn-primary, .call .btn-primary[data-start] {
  background: #fff; color: var(--navy); border-color: #fff;
}
.pointer-fx .btn-primary.on-dark,
.pointer-fx .cta-band .btn-primary, .pointer-fx .adv-finish .btn-primary, .pointer-fx .finish .btn-primary, .pointer-fx .call .btn-primary[data-start] {
  background-image: radial-gradient(9rem 9rem at var(--px, 50%) var(--py, 50%), rgba(201, 150, 43, .2), transparent 70%), linear-gradient(#fff, #fff);
}

/* Header and footer light up under the pointer too. */
.pointer-fx .site-header::before, .pointer-fx .site-footer::before {
  content: ''; position: absolute; inset: 0; pointer-events: none; opacity: 0; transition: opacity .3s var(--ease);
  background: radial-gradient(18rem 10rem at var(--px, 50%) var(--py, 50%), rgba(47, 107, 191, .12), rgba(201, 150, 43, .06) 45%, transparent 72%);
}
.pointer-fx .site-footer::before { background: radial-gradient(26rem 18rem at var(--px, 50%) var(--py, 50%), rgba(201, 150, 43, .16), rgba(47, 107, 191, .10) 45%, transparent 72%); }
.pointer-fx .site-header:hover::before, .pointer-fx .site-footer:hover::before { opacity: 1; }
.site-header > .wrap, .site-footer > .wrap { position: relative; }
.pointer-fx .site-header nav a, .pointer-fx .site-footer a { transition: color .2s var(--ease), text-shadow .2s var(--ease); }
.pointer-fx .site-footer a:hover { color: #F3DDA6; text-shadow: 0 0 18px rgba(201, 150, 43, .55); }
.pointer-fx .site-header nav a:hover { color: var(--sky); }

/* Provider logo wall on the compare page. */
.provider-grid { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (min-width: 640px) { .provider-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (min-width: 960px) { .provider-grid { grid-template-columns: repeat(5, minmax(0, 1fr)); } }
.provider-tile {
  position: relative; display: flex; align-items: center; justify-content: center; height: 96px; padding: 18px 22px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm);
  transition: transform .25s var(--ease), border-color .25s var(--ease), box-shadow .25s var(--ease);
}
.provider-tile img { max-width: 100%; max-height: 44px; width: auto; height: auto; object-fit: contain; filter: grayscale(1) opacity(.72); transition: filter .3s var(--ease); }
.provider-tile span { font-family: var(--font-head); font-weight: 700; color: var(--muted); }
.provider-tile:hover { transform: translateY(-3px); border-color: var(--gold); box-shadow: var(--shadow-md); }
.provider-tile:hover img { filter: none; }
.pointer-fx .provider-tile::before {
  content: ''; position: absolute; inset: 0; border-radius: inherit; pointer-events: none; opacity: 0; transition: opacity .25s var(--ease);
  background: radial-gradient(10rem 10rem at var(--px, 50%) var(--py, 50%), rgba(47, 107, 191, .10), transparent 70%);
}
.pointer-fx .provider-tile:hover::before { opacity: 1; }

/* Page heroes and plain sections glow under the pointer too, behind their content. */
.hero, .section { position: relative; }
.hero > .wrap, .section > .wrap { position: relative; z-index: 1; }
.pointer-fx .hero::before, .pointer-fx .section::before {
  content: ''; position: absolute; inset: 0; pointer-events: none; opacity: 0; transition: opacity .4s var(--ease);
  background: radial-gradient(30rem 20rem at var(--px, 50%) var(--py, 50%), rgba(47, 107, 191, .09), rgba(201, 150, 43, .05) 45%, transparent 72%);
}
.pointer-fx .hero:hover::before, .pointer-fx .section:hover::before { opacity: 1; }

/* Home: a slow logo marquee that pauses under the pointer. */
.logo-marquee { position: relative; overflow: hidden; margin-top: 8px; padding: 6px 0;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.logo-track { display: flex; gap: 14px; width: max-content; animation: marquee 60s linear infinite; list-style: none; margin: 0; padding: 0; }
.logo-marquee:hover .logo-track { animation-play-state: paused; }
.logo-track .provider-tile { width: 180px; height: 84px; flex: none; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .logo-track { animation: none; flex-wrap: wrap; width: auto; } .logo-track [aria-hidden='true'] { display: none; } }

/* Slim footer: logo and slogan on one row. */
.site-footer { padding: 18px 0; }
.footer-bar { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.footer-brand { display: flex; align-items: center; gap: 18px; text-decoration: none; color: #D9DEE7; }
.footer-brand .footer-logo { height: 32px; margin: 0; }
.footer-slogan { font-family: var(--font-head); font-weight: 500; color: #C9D2E3; padding-left: 18px; border-left: 1px solid rgba(255, 255, 255, .2); }
.footer-legal { display: flex; gap: 16px; font-size: .82rem; }
.footer-legal a { color: #9DAAC2; text-decoration: none; }
.footer-legal a:hover { color: #fff; }