/* Indie Seguros — ind.css */

/* ============================================================
   TOKENS
   ============================================================ */
:root {
  --brand-clay:            #C4573A;
  --brand-clay-light:      #D96B4C;
  --midnight:              #1A1F2E;
  --midnight-soft:         #252B3B;
  --emerald:               #2ECC8A;
  --emerald-muted:         #1EA870;
  --surface-warm:          #FAF8F5;
  --surface-off:           #F2EEE9;
  --border-warm:           #E5DDD5;
  --text-on-light:         #1A1F2E;
  --text-muted-on-light:   #6B7280;
  --text-subtle-on-light:  #9CA3AF;
  --text-on-dark:          #FAF8F5;
  --text-muted-on-dark:    #B0BAC8;
  --text-subtle-on-dark:   #6B7280;

  --radius-card:    12px;
  --radius-btn:     8px;
  --radius-badge:   4px;
  --radius-pill:    9999px;

  --container-max:  1200px;
  --section-pad:    clamp(4rem, 8vw, 8rem) 0;

  --font-heading:   'Fraunces', Georgia, serif;
  --font-body:      'Plus Jakarta Sans', system-ui, sans-serif;
  --font-mono:      'JetBrains Mono', 'Courier New', monospace;
}

/* ============================================================
   RESET + BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--text-on-light);
  background: #ffffff;
}

img { max-width: 100%; height: auto; display: block; }

a { text-decoration: none; color: inherit; }

ul, ol { list-style: none; }

button { cursor: pointer; font-family: var(--font-body); }

/* ============================================================
   TYPOGRAPHY SCALE
   ============================================================ */
.ind-display {
  font-family: var(--font-heading);
  font-size: clamp(2.8rem, 6vw, 5.5rem);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -0.02em;
}

.ind-h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 4vw, 3.8rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.015em;
}

.ind-h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 2.8vw, 2.6rem);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

.ind-h3 {
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-weight: 600;
  line-height: 1.3;
}

.ind-body-lg {
  font-size: 1.125rem;
  font-weight: 400;
  line-height: 1.7;
}

.ind-label {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.ind-price {
  font-family: var(--font-mono);
  font-size: clamp(2rem, 4vw, 3.5rem);
  font-weight: 400;
}

/* ============================================================
   CONTAINER
   ============================================================ */
.ind-container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 clamp(1rem, 4vw, 2.5rem);
}

/* ============================================================
   BUTTONS
   ============================================================ */
.ind-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-btn);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1;
  border: 2px solid transparent;
  transition: opacity 0.2s ease-out, background 0.2s ease-out, color 0.2s ease-out, border-color 0.2s ease-out;
  white-space: nowrap;
}

.ind-btn--primary {
  background: var(--emerald);
  color: var(--midnight);
  border-color: var(--emerald);
}
.ind-btn--primary:hover {
  background: var(--emerald-muted);
  border-color: var(--emerald-muted);
  color: var(--midnight);
}

.ind-btn--ghost-dark {
  background: transparent;
  color: var(--text-on-dark);
  border-color: rgba(250, 248, 245, 0.35);
}
.ind-btn--ghost-dark:hover {
  background: rgba(250, 248, 245, 0.08);
  color: var(--text-on-dark);
}

.ind-btn--ghost-light {
  background: transparent;
  color: var(--text-on-light);
  border-color: var(--border-warm);
}
.ind-btn--ghost-light:hover {
  background: var(--surface-off);
  color: var(--text-on-light);
}

.ind-btn--outline-light {
  background: transparent;
  color: var(--text-on-light);
  border-color: var(--border-warm);
}
.ind-btn--outline-light:hover {
  background: var(--surface-off);
  color: var(--text-on-light);
}

/* ============================================================
   NAV
   ============================================================ */
.ind-nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  transition: background 0.3s ease-out, box-shadow 0.3s ease-out;
}

.ind-nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 clamp(1rem, 4vw, 2.5rem);
}

.ind-nav__logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.ind-nav__logo img {
  height: 40px;
  width: auto;
}

.ind-nav__logo-dark { display: none; }
.ind-nav__logo-light { display: block; }

.ind-nav__links {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.ind-nav__link {
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 500;
  transition: color 0.2s ease-out;
}

.ind-nav__actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.ind-nav__signin {
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 500;
  padding: 0.5rem 1rem;
  border-radius: var(--radius-btn);
  border: 1.5px solid transparent;
  transition: color 0.2s ease-out, border-color 0.2s ease-out, background 0.2s ease-out;
}

.ind-nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 6px;
  cursor: pointer;
}

.ind-nav__hamburger-bar {
  display: block;
  width: 22px;
  height: 2px;
  border-radius: 2px;
  transition: background 0.2s ease-out, transform 0.25s ease-out, opacity 0.25s ease-out;
}

/* Dark-top pages (transparent nav, light content) */
.ind-page--dark-top .ind-nav {
  background: transparent;
}
.ind-page--dark-top .ind-nav .ind-nav__logo-dark { display: none; }
.ind-page--dark-top .ind-nav .ind-nav__logo-light { display: block; }
.ind-page--dark-top .ind-nav .ind-nav__link { color: var(--text-on-dark); }
.ind-page--dark-top .ind-nav .ind-nav__link:hover { color: var(--emerald); }
.ind-page--dark-top .ind-nav .ind-nav__signin {
  color: var(--text-on-dark);
  border-color: rgba(250, 248, 245, 0.35);
}
.ind-page--dark-top .ind-nav .ind-nav__signin:hover {
  background: rgba(250, 248, 245, 0.08);
  color: var(--text-on-dark);
}
.ind-page--dark-top .ind-nav .ind-nav__hamburger-bar { background: var(--text-on-dark); }

/* Light-top pages (surface-warm nav from the start) */
.ind-page--light-top .ind-nav {
  background: var(--surface-warm);
  box-shadow: 0 1px 0 var(--border-warm);
}
.ind-page--light-top .ind-nav .ind-nav__logo-dark { display: block; }
.ind-page--light-top .ind-nav .ind-nav__logo-light { display: none; }
.ind-page--light-top .ind-nav .ind-nav__link { color: var(--text-on-light); }
.ind-page--light-top .ind-nav .ind-nav__link:hover { color: var(--brand-clay); }
.ind-page--light-top .ind-nav .ind-nav__signin {
  color: var(--text-on-light);
  border-color: var(--border-warm);
}
.ind-page--light-top .ind-nav .ind-nav__signin:hover {
  background: var(--surface-off);
  color: var(--text-on-light);
}
.ind-page--light-top .ind-nav .ind-nav__hamburger-bar { background: var(--text-on-light); }

/* Scrolled state — dark-top pages nav becomes midnight */
.ind-page--dark-top .ind-nav--scrolled {
  background: var(--midnight);
  box-shadow: 0 1px 0 rgba(255,255,255,0.07);
}
.ind-page--dark-top .ind-nav--scrolled .ind-nav__logo-dark { display: none !important; }
.ind-page--dark-top .ind-nav--scrolled .ind-nav__logo-light { display: block !important; }
.ind-page--dark-top .ind-nav--scrolled .ind-nav__link { color: var(--text-on-dark); }
.ind-page--dark-top .ind-nav--scrolled .ind-nav__link:hover { color: var(--emerald); }
.ind-page--dark-top .ind-nav--scrolled .ind-nav__signin {
  color: var(--text-on-dark);
  border-color: rgba(250, 248, 245, 0.35);
}
.ind-page--dark-top .ind-nav--scrolled .ind-nav__hamburger-bar { background: var(--text-on-dark); }

/* Scrolled state — light-top nav stays surface-warm (no change needed) */
.ind-page--light-top .ind-nav--scrolled {
  background: var(--surface-warm);
  box-shadow: 0 2px 12px rgba(26, 31, 46, 0.08);
}

/* Mobile nav menu */
.ind-nav__mobile-menu {
  display: none;
  flex-direction: column;
  padding: 1rem clamp(1rem, 4vw, 2.5rem) 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.ind-nav__mobile-menu.ind-nav__mobile-menu--open { display: flex; }

.ind-nav__mobile-link {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 500;
  padding: 0.75rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.ind-page--dark-top .ind-nav__mobile-menu {
  background: var(--midnight);
}
.ind-page--dark-top .ind-nav__mobile-menu .ind-nav__mobile-link {
  color: var(--text-on-dark);
}
.ind-page--dark-top .ind-nav__mobile-menu .ind-btn--primary { color: var(--midnight); }

.ind-page--light-top .ind-nav__mobile-menu {
  background: var(--surface-warm);
  border-top: 1px solid var(--border-warm);
}
.ind-page--light-top .ind-nav__mobile-menu .ind-nav__mobile-link {
  color: var(--text-on-light);
  border-bottom-color: var(--border-warm);
}

/* Hamburger open state */
.ind-nav__hamburger[aria-expanded="true"] .ind-nav__hamburger-bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.ind-nav__hamburger[aria-expanded="true"] .ind-nav__hamburger-bar:nth-child(2) {
  opacity: 0;
}
.ind-nav__hamburger[aria-expanded="true"] .ind-nav__hamburger-bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ============================================================
   FOOTER
   ============================================================ */
.ind-footer {
  background: var(--midnight);
  color: var(--text-on-dark);
  padding: clamp(3rem, 6vw, 5rem) 0 2rem;
}

.ind-footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.ind-footer__col {
  display: flex;
  flex-direction: column;
}

.ind-footer__brand-col .ind-footer__logo img {
  height: 38px;
  width: auto;
  margin-bottom: 1rem;
}

.ind-footer__brand-desc {
  color: var(--text-muted-on-dark);
  font-size: 0.9rem;
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

.ind-footer__contact-line {
  color: var(--text-muted-on-dark);
  font-size: 0.875rem;
  line-height: 1.8;
}

.ind-footer__col-heading {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-subtle-on-dark);
  margin-bottom: 1.25rem;
}

.ind-footer__col-links {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.ind-footer__col-link {
  color: var(--text-muted-on-dark);
  font-size: 0.9375rem;
  transition: color 0.2s ease-out;
}
.ind-footer__col-link:hover { color: var(--text-on-dark); }

.ind-footer__bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  padding-top: 1.5rem;
}

.ind-footer__copy {
  color: var(--text-subtle-on-dark);
  font-size: 0.8125rem;
}

.ind-footer__legal-note {
  color: var(--text-subtle-on-dark);
  font-size: 0.8125rem;
  max-width: 480px;
  line-height: 1.5;
}

/* ============================================================
   HERO — INDEX
   ============================================================ */
.ind-hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding-bottom: clamp(4rem, 8vw, 7rem);
  background: var(--midnight);
  overflow: hidden;
}

.ind-hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.ind-hero__bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.ind-hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(26,31,46,0.35) 0%,
    rgba(26,31,46,0.55) 50%,
    rgba(26,31,46,0.92) 100%
  );
}

.ind-hero__content {
  position: relative;
  z-index: 1;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 clamp(1rem, 4vw, 2.5rem);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 2rem;
  align-items: flex-end;
  width: 100%;
}

.ind-hero__text {
  max-width: 680px;
}

.ind-hero__eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--emerald);
  margin-bottom: 1.25rem;
}

.ind-hero__h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 4vw, 3.8rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.015em;
  color: var(--text-on-dark);
  margin-bottom: 1.25rem;
}

.ind-hero__sub {
  font-size: 1.125rem;
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-muted-on-dark);
  margin-bottom: 2rem;
  max-width: 560px;
}

.ind-hero__actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.ind-hero__badge {
  flex-shrink: 0;
  align-self: flex-end;
  margin-bottom: 0.5rem;
}

.ind-hero__price-badge {
  background: var(--emerald);
  border-radius: var(--radius-card);
  padding: 1.25rem 1.5rem;
  text-align: center;
  min-width: 160px;
}

.ind-hero__price-from {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--midnight);
  margin-bottom: 0.25rem;
}

.ind-hero__price-amount {
  display: block;
  font-family: var(--font-mono);
  font-size: 2rem;
  font-weight: 400;
  color: var(--midnight);
  line-height: 1;
}

.ind-hero__price-label {
  display: block;
  font-size: 0.75rem;
  color: rgba(26,31,46,0.7);
  margin-top: 0.25rem;
}

/* ============================================================
   PROOF BAR
   ============================================================ */
.ind-proof-bar {
  background: var(--midnight-soft);
  padding: 1.75rem 0;
}

.ind-proof-bar__inner {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 clamp(1rem, 4vw, 2.5rem);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.ind-proof-bar__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 1.5rem;
  position: relative;
}

.ind-proof-bar__item + .ind-proof-bar__item::before {
  content: '';
  position: absolute;
  left: 0;
  top: 10%;
  height: 80%;
  width: 1px;
  background: var(--brand-clay);
  opacity: 0.4;
}

.ind-proof-bar__number {
  font-family: var(--font-mono);
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--text-on-dark);
  line-height: 1;
  margin-bottom: 0.25rem;
}

.ind-proof-bar__label {
  font-family: var(--font-body);
  font-size: 0.8125rem;
  color: var(--text-muted-on-dark);
  font-weight: 400;
}

/* ============================================================
   PRODUCTS SECTION (index)
   ============================================================ */
.ind-products {
  background: var(--surface-warm);
  padding: var(--section-pad);
}

.ind-products__header {
  text-align: center;
  margin-bottom: 3.5rem;
}

.ind-products__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--brand-clay);
  margin-bottom: 0.75rem;
}

.ind-products__heading {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 2.8vw, 2.6rem);
  font-weight: 700;
  color: var(--text-on-light);
}

.ind-products__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.ind-product-card {
  background: #ffffff;
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: border-color 0.2s ease-out, box-shadow 0.2s ease-out;
  position: relative;
  overflow: hidden;
}

.ind-product-card::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 3px;
  background: var(--brand-clay);
  transform: scaleY(0);
  transition: transform 0.25s ease-out;
  transform-origin: bottom;
}

.ind-product-card:hover::before { transform: scaleY(1); }
.ind-product-card:hover {
  box-shadow: 0 4px 24px rgba(26,31,46,0.08);
}

.ind-product-card__name {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--text-on-light);
}

.ind-product-card__desc {
  font-size: 0.9375rem;
  color: var(--text-muted-on-light);
  line-height: 1.65;
  flex-grow: 1;
}

.ind-product-card__price {
  font-family: var(--font-mono);
  font-size: 1.375rem;
  font-weight: 400;
  color: var(--text-on-light);
}

.ind-product-card__cta {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--brand-clay);
  transition: gap 0.2s ease-out;
}
.ind-product-card:hover .ind-product-card__cta { gap: 0.6rem; }

/* ============================================================
   HOW IT WORKS — 3-STEP HORIZONTAL (index brief)
   ============================================================ */
.ind-how-brief {
  background: var(--midnight);
  padding: var(--section-pad);
}

.ind-how-brief__header {
  text-align: center;
  margin-bottom: 4rem;
}

.ind-how-brief__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--brand-clay);
  margin-bottom: 0.75rem;
}

.ind-how-brief__heading {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 2.8vw, 2.6rem);
  font-weight: 700;
  color: var(--text-on-dark);
}

.ind-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
}

.ind-steps::before {
  content: '';
  position: absolute;
  top: 2.5rem;
  left: calc(16.6% + 1rem);
  right: calc(16.6% + 1rem);
  height: 1px;
  background: var(--brand-clay);
  opacity: 0.3;
  pointer-events: none;
}

.ind-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 1rem;
}

.ind-step__number {
  font-family: var(--font-heading);
  font-size: 3.5rem;
  font-weight: 900;
  color: var(--brand-clay);
  line-height: 1;
  width: 5rem;
  height: 5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 1;
}

.ind-step__label {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-on-dark);
}

.ind-step__desc {
  font-size: 0.9rem;
  color: var(--text-muted-on-dark);
  line-height: 1.65;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.ind-testimonials {
  background: var(--surface-off);
  padding: var(--section-pad);
}

.ind-testimonials__header {
  text-align: center;
  margin-bottom: 3rem;
}

.ind-testimonials__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--brand-clay);
  margin-bottom: 0.75rem;
}

.ind-testimonials__heading {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 2.8vw, 2.6rem);
  font-weight: 700;
  color: var(--text-on-light);
}

.ind-testimonials__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}

.ind-testimonial-card {
  background: #ffffff;
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  padding: 2rem 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.ind-testimonial-card__quote {
  font-family: var(--font-heading);
  font-style: italic;
  font-size: 1.0625rem;
  font-weight: 300;
  line-height: 1.7;
  color: var(--text-on-light);
}

.ind-testimonial-card__footer {
  display: flex;
  align-items: center;
  gap: 0.875rem;
}

.ind-testimonial-card__avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--brand-clay);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 600;
  color: #ffffff;
  flex-shrink: 0;
}

.ind-testimonial-card__name {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-on-light);
}

.ind-testimonial-card__city {
  font-size: 0.8125rem;
  color: var(--text-muted-on-light);
}

/* ============================================================
   BOTTOM CTA (brand-clay bg)
   ============================================================ */
.ind-cta-bottom {
  background: var(--brand-clay);
  padding: clamp(4rem, 7vw, 7rem) 0;
  text-align: center;
}

.ind-cta-bottom__heading {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 3.5rem);
  font-weight: 900;
  color: #ffffff;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

.ind-cta-bottom__sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 2rem;
}

.ind-cta-bottom__fine {
  margin-top: 1rem;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.6);
}

/* ============================================================
   SECTION HERO — SUB-PAGES (auto/home/health/how/about)
   ============================================================ */
.ind-page-hero {
  position: relative;
  min-height: 70vh;
  display: flex;
  align-items: flex-end;
  padding-bottom: clamp(3rem, 6vw, 5rem);
  background: var(--midnight);
  overflow: hidden;
}

.ind-page-hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.ind-page-hero__bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.ind-page-hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(26,31,46,0.3) 0%,
    rgba(26,31,46,0.75) 100%
  );
}

.ind-page-hero__content {
  position: relative;
  z-index: 1;
  max-width: 680px;
}

.ind-page-hero__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--emerald);
  margin-bottom: 1rem;
}

.ind-page-hero__h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 3.5vw, 3.4rem);
  font-weight: 700;
  line-height: 1.1;
  color: var(--text-on-dark);
  margin-bottom: 1.125rem;
}

.ind-page-hero__sub {
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--text-muted-on-dark);
  margin-bottom: 2rem;
  max-width: 520px;
}

.ind-page-hero__actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

/* ============================================================
   LIGHT PAGE HERO (pricing / claims / contact / blog)
   ============================================================ */
.ind-page-hero--light {
  min-height: auto;
  padding: clamp(6rem, 10vw, 10rem) 0 clamp(3rem, 5vw, 4.5rem);
  background: var(--surface-warm);
  overflow: visible;
  display: block;
}

.ind-page-hero--light .ind-page-hero__bg { display: none; }

.ind-page-hero--light .ind-page-hero__content {
  position: static;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 clamp(1rem, 4vw, 2.5rem);
}

.ind-page-hero--light .ind-page-hero__eyebrow { color: var(--brand-clay); }

.ind-page-hero--light .ind-page-hero__h1 {
  color: var(--text-on-light);
  max-width: 680px;
}

.ind-page-hero--light .ind-page-hero__sub {
  color: var(--text-muted-on-light);
}

/* ============================================================
   ABOUT HERO — typographic (no image)
   ============================================================ */
.ind-about-hero {
  background: var(--midnight);
  padding: clamp(8rem, 12vw, 12rem) 0 clamp(4rem, 7vw, 7rem);
}

.ind-about-hero__inner {
  max-width: 860px;
}

.ind-about-hero__quote {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 3.5rem);
  font-weight: 700;
  font-style: italic;
  line-height: 1.15;
  color: var(--text-on-dark);
  margin-bottom: 2rem;
}

.ind-about-hero__sub {
  font-size: 1.0625rem;
  line-height: 1.75;
  color: var(--text-muted-on-dark);
  max-width: 600px;
}

/* ============================================================
   HOW-IT-WORKS HERO (typographic with inline SVG)
   ============================================================ */
.ind-how-hero {
  background: var(--midnight);
  padding: clamp(8rem, 12vw, 11rem) 0 clamp(4rem, 6vw, 6rem);
}

.ind-how-hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.ind-how-hero__h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 3.5vw, 3.2rem);
  font-weight: 700;
  line-height: 1.1;
  color: var(--text-on-dark);
  margin-bottom: 1.25rem;
}

.ind-how-hero__sub {
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--text-muted-on-dark);
}

.ind-how-hero__diagram {
  display: flex;
  align-items: center;
  justify-content: center;
}

/* ============================================================
   SECTION LAYOUTS — TWO COLUMN
   ============================================================ */
.ind-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}

.ind-two-col--align-center { align-items: center; }

.ind-section--light {
  background: var(--surface-warm);
  padding: var(--section-pad);
}

.ind-section--off {
  background: var(--surface-off);
  padding: var(--section-pad);
}

.ind-section--white {
  background: #ffffff;
  padding: var(--section-pad);
}

.ind-section--dark {
  background: var(--midnight);
  padding: var(--section-pad);
}

.ind-section--dark-alt {
  background: var(--midnight-soft);
  padding: var(--section-pad);
}

.ind-section--brand {
  background: var(--brand-clay);
  padding: var(--section-pad);
  text-align: center;
}

.ind-section__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--brand-clay);
  margin-bottom: 0.75rem;
}

.ind-section--dark .ind-section__eyebrow,
.ind-section--dark-alt .ind-section__eyebrow {
  color: var(--brand-clay-light);
}

.ind-section__heading {
  font-family: var(--font-heading);
  font-size: clamp(1.6rem, 2.8vw, 2.6rem);
  font-weight: 700;
  color: var(--text-on-light);
  margin-bottom: 1rem;
}

.ind-section--dark .ind-section__heading,
.ind-section--dark-alt .ind-section__heading {
  color: var(--text-on-dark);
}

.ind-section--brand .ind-section__heading { color: #ffffff; }

.ind-section__sub {
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--text-muted-on-light);
}

.ind-section--dark .ind-section__sub,
.ind-section--dark-alt .ind-section__sub {
  color: var(--text-muted-on-dark);
}

.ind-section--brand .ind-section__sub { color: rgba(255,255,255,0.82); }

/* ============================================================
   AUTO / HOME / HEALTH PAGE SECTIONS
   ============================================================ */

/* Factors two-column */
.ind-factors {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

.ind-factors__col-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--brand-clay);
  margin-bottom: 1.25rem;
  display: block;
}

.ind-factors__col-heading {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--text-on-light);
  margin-bottom: 1.25rem;
}

.ind-factors__list {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.ind-factors__list-item {
  font-size: 0.9375rem;
  color: var(--text-on-light);
  line-height: 1.6;
  padding-left: 1.25rem;
  position: relative;
}

.ind-factors__list-item::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--emerald);
}

.ind-factors__list--muted .ind-factors__list-item { color: var(--text-muted-on-light); }
.ind-factors__list--muted .ind-factors__list-item::before { background: var(--border-warm); }

/* Coverage comparison table */
.ind-coverage {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9375rem;
}

.ind-coverage th {
  font-family: var(--font-body);
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted-on-light);
  padding: 0.75rem 1rem;
  border-bottom: 2px solid var(--border-warm);
  text-align: left;
}

.ind-coverage th.ind-coverage__th--featured {
  color: var(--emerald-muted);
  border-bottom-color: var(--emerald);
}

.ind-coverage td {
  padding: 0.875rem 1rem;
  border-bottom: 1px solid var(--border-warm);
  color: var(--text-on-light);
}

.ind-coverage tr:last-child td { border-bottom: none; }

.ind-coverage__tier {
  font-weight: 600;
  color: var(--text-on-light);
}

.ind-coverage__price {
  font-family: var(--font-mono);
  color: var(--text-on-light);
}

.ind-coverage__check { color: var(--emerald); font-weight: 600; }
.ind-coverage__cross { color: var(--text-subtle-on-light); }

.ind-coverage td.ind-coverage--featured { background: rgba(46,204,138,0.04); }

/* Auto CTA section */
.ind-auto-cta { background: var(--brand-clay); padding: clamp(3.5rem, 6vw, 6rem) 0; text-align: center; }
.ind-auto-cta__heading { font-family: var(--font-heading); font-size: clamp(1.8rem, 3vw, 2.8rem); font-weight: 700; color: #ffffff; margin-bottom: 1.5rem; }

/* Process steps — vertical (claims) */
.ind-process-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  position: relative;
}

.ind-process-steps::before {
  content: '';
  position: absolute;
  left: 1.25rem;
  top: 0;
  bottom: 0;
  width: 1px;
  background: var(--brand-clay);
  opacity: 0.3;
}

.ind-process-step {
  display: grid;
  grid-template-columns: 2.5rem 1fr;
  gap: 1.5rem;
  padding-bottom: 2.5rem;
  align-items: start;
  position: relative;
}

.ind-process-step__num {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 50%;
  background: var(--brand-clay);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: #ffffff;
  position: relative;
  z-index: 1;
  flex-shrink: 0;
}

.ind-process-step__label {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--text-on-light);
  margin-bottom: 0.4rem;
}

.ind-process-step__desc {
  font-size: 0.9375rem;
  color: var(--text-muted-on-light);
  line-height: 1.65;
}

.ind-process-step__time {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 0.75rem;
  color: var(--emerald-muted);
  margin-top: 0.35rem;
}

/* Claims "what to prepare" 3-col grid */
.ind-claims-prep {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.ind-claims-prep__card {
  padding: 1.75rem;
  background: #ffffff;
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
}

.ind-claims-prep__icon {
  width: 44px;
  height: 44px;
  margin-bottom: 1rem;
}

.ind-claims-prep__heading {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--text-on-light);
  margin-bottom: 1rem;
}

.ind-claims-prep__list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.ind-claims-prep__list li {
  font-size: 0.875rem;
  color: var(--text-muted-on-light);
  line-height: 1.55;
  padding-left: 1.125rem;
  position: relative;
}

.ind-claims-prep__list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.5em;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--brand-clay);
  opacity: 0.6;
}

/* Health SNS two-col */
.ind-health-sns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

.ind-health-sns__col-heading {
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted-on-light);
  margin-bottom: 1.25rem;
}

.ind-health-sns__pull {
  font-family: var(--font-heading);
  font-style: italic;
  font-size: 1.375rem;
  font-weight: 300;
  color: var(--brand-clay);
  line-height: 1.5;
  margin-top: 2rem;
  padding-left: 1.25rem;
  border-left: 3px solid var(--brand-clay);
}

/* Health plan cards */
.ind-health-plans {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.ind-health-plan-card {
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  padding: 2rem;
  background: #ffffff;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.ind-health-plan-card--featured {
  border-color: var(--emerald);
  box-shadow: 0 0 0 1px var(--emerald);
}

.ind-health-plan-card__badge {
  display: inline-block;
  background: var(--emerald);
  color: var(--midnight);
  font-size: 0.6875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.2rem 0.6rem;
  border-radius: var(--radius-badge);
}

.ind-health-plan-card__name {
  font-family: var(--font-heading);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--text-on-light);
}

.ind-health-plan-card__price {
  font-family: var(--font-mono);
  font-size: 2rem;
  font-weight: 400;
  color: var(--text-on-light);
}

.ind-health-plan-card__note {
  font-size: 0.8125rem;
  color: var(--text-muted-on-light);
}

.ind-health-plan-card__features {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  flex-grow: 1;
}

.ind-health-plan-card__feature {
  font-size: 0.875rem;
  color: var(--text-on-light);
  padding-left: 1.25rem;
  position: relative;
  line-height: 1.5;
}

.ind-health-plan-card__feature::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.45em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--emerald);
}

/* Health network section */
.ind-health-network {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 4rem;
  align-items: center;
}

.ind-health-network__text {
  max-width: 520px;
}

.ind-health-network__heading {
  font-family: var(--font-heading);
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  font-weight: 700;
  color: var(--text-on-dark);
  margin-bottom: 1rem;
}

.ind-health-network__body {
  font-size: 1rem;
  line-height: 1.7;
  color: var(--text-muted-on-dark);
}

/* Home insurance type cards */
.ind-home-types {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.ind-home-type-card {
  background: #ffffff;
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  padding: 2rem;
}

.ind-home-type-card__heading {
  font-family: var(--font-heading);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--text-on-light);
  margin-bottom: 0.75rem;
}

.ind-home-type-card__sub {
  font-size: 1rem;
  color: var(--text-muted-on-light);
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

.ind-home-type-card__features {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.ind-home-type-card__feature {
  font-size: 0.875rem;
  color: var(--text-on-light);
  padding-left: 1.25rem;
  position: relative;
}

.ind-home-type-card__feature::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.45em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--emerald);
}

/* ============================================================
   PRICING PAGE
   ============================================================ */
.ind-pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.ind-pricing-product {
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  overflow: hidden;
}

.ind-pricing-product__header {
  background: var(--midnight);
  padding: 1.25rem 1.5rem;
}

.ind-pricing-product__name {
  font-family: var(--font-heading);
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--text-on-dark);
}

.ind-pricing-product__tiers {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.ind-pricing-tier {
  padding: 1.5rem;
  border-bottom: 1px solid var(--border-warm);
  background: #ffffff;
  transition: background 0.2s ease-out;
}

.ind-pricing-tier:last-child { border-bottom: none; }
.ind-pricing-tier:hover { background: var(--surface-warm); }

.ind-pricing-tier--recommended {
  border-left: 3px solid var(--emerald);
  background: rgba(46,204,138,0.03);
}

.ind-pricing-tier__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 0.5rem;
}

.ind-pricing-tier__name {
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-on-light);
}

.ind-pricing-tier__badge {
  background: var(--emerald);
  color: var(--midnight);
  font-size: 0.65rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 0.15rem 0.5rem;
  border-radius: var(--radius-badge);
}

.ind-pricing-tier__price {
  font-family: var(--font-mono);
  font-size: 1.75rem;
  font-weight: 400;
  color: var(--text-on-light);
  margin-bottom: 0.375rem;
}

.ind-pricing-tier__note {
  font-size: 0.8125rem;
  color: var(--text-muted-on-light);
  line-height: 1.5;
  margin-bottom: 1rem;
}

/* Pricing how section */
.ind-pricing-how {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

.ind-pricing-how__col-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted-on-light);
  margin-bottom: 1rem;
}

.ind-pricing-how__list {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.ind-pricing-how__list li {
  font-size: 0.9375rem;
  color: var(--text-on-light);
  line-height: 1.6;
  padding-left: 1.25rem;
  position: relative;
}

.ind-pricing-how__list--lower li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--emerald);
}

.ind-pricing-how__list--higher li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--brand-clay);
  opacity: 0.7;
}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */
.ind-faq {
  display: flex;
  flex-direction: column;
  gap: 0;
  border-top: 1px solid var(--border-warm);
}

.ind-faq__item {
  border-bottom: 1px solid var(--border-warm);
}

.ind-faq__trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.25rem 0;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-on-light);
  transition: color 0.2s ease-out;
}

.ind-faq__trigger:hover { color: var(--brand-clay); }

.ind-faq__trigger-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  position: relative;
  transition: transform 0.25s ease-out;
}

.ind-faq__trigger-icon::before,
.ind-faq__trigger-icon::after {
  content: '';
  position: absolute;
  background: currentColor;
  border-radius: 2px;
}

.ind-faq__trigger-icon::before {
  width: 12px;
  height: 1.5px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}

.ind-faq__trigger-icon::after {
  width: 1.5px;
  height: 12px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  transition: transform 0.25s ease-out, opacity 0.25s ease-out;
}

.ind-faq__item--open .ind-faq__trigger { color: var(--brand-clay); }
.ind-faq__item--open .ind-faq__trigger-icon::after { transform: translate(-50%, -50%) rotate(90deg); opacity: 0; }

.ind-faq__body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease-out, padding 0.35s ease-out;
}

.ind-faq__item--open .ind-faq__body {
  max-height: 600px;
}

.ind-faq__body-inner {
  padding-bottom: 1.25rem;
}

.ind-faq__answer {
  font-size: 0.9375rem;
  color: var(--text-muted-on-light);
  line-height: 1.7;
}

/* ============================================================
   HOW-IT-WORKS — PRICING ENGINE
   ============================================================ */
.ind-pricing-engine {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.ind-pricing-engine__text {}

.ind-pricing-engine__heading {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  font-weight: 700;
  color: var(--text-on-light);
  margin-bottom: 1.25rem;
}

.ind-pricing-engine__body {
  font-size: 0.9375rem;
  line-height: 1.75;
  color: var(--text-muted-on-light);
}

.ind-pricing-engine__diagram {}

/* How policy issuance — 3-col dark */
.ind-policy-cols {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}

.ind-policy-col__icon {
  width: 48px;
  height: 48px;
  margin-bottom: 1.25rem;
}

.ind-policy-col__heading {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--text-on-dark);
  margin-bottom: 0.75rem;
}

.ind-policy-col__body {
  font-size: 0.9375rem;
  color: var(--text-muted-on-dark);
  line-height: 1.65;
}

/* Data two-col */
.ind-data-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

.ind-data-col__heading {
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted-on-light);
  margin-bottom: 1.25rem;
}

.ind-data-col__list {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.ind-data-col__list li {
  font-size: 0.9375rem;
  color: var(--text-on-light);
  line-height: 1.6;
  padding-left: 1.25rem;
  position: relative;
}

.ind-data-col__list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--emerald);
}

/* ============================================================
   TEAM CARDS
   ============================================================ */
.ind-team-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 2rem;
}

.ind-team-card {
  background: #ffffff;
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  overflow: hidden;
}

.ind-team-card__portrait {
  width: 100%;
  aspect-ratio: 3/4;
  object-fit: cover;
  object-position: top;
  height: auto;
}

.ind-team-card__body {
  padding: 1.5rem;
}

.ind-team-card__avatar {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--brand-clay);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-weight: 600;
  color: #ffffff;
  margin-bottom: 1rem;
}

.ind-team-card__name {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--text-on-light);
  margin-bottom: 0.25rem;
}

.ind-team-card__role {
  font-size: 0.875rem;
  color: var(--brand-clay);
  font-weight: 500;
  margin-bottom: 0.75rem;
}

.ind-team-card__bio {
  font-size: 0.875rem;
  color: var(--text-muted-on-light);
  line-height: 1.65;
}

/* ============================================================
   ABOUT VALUES
   ============================================================ */
.ind-values {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}

.ind-value__heading {
  font-family: var(--font-heading);
  font-style: italic;
  font-size: 1.25rem;
  font-weight: 300;
  color: var(--brand-clay-light);
  margin-bottom: 0.875rem;
}

.ind-value__body {
  font-size: 0.9375rem;
  color: var(--text-muted-on-dark);
  line-height: 1.7;
}

/* ============================================================
   ABOUT CONTACT PROMPT
   ============================================================ */
.ind-contact-prompt {
  background: var(--surface-off);
  border-radius: var(--radius-card);
  border: 1px solid var(--border-warm);
  padding: 2.5rem;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}

.ind-contact-prompt__heading {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--text-on-light);
  margin-bottom: 0.5rem;
}

.ind-contact-prompt__sub {
  font-size: 0.9375rem;
  color: var(--text-muted-on-light);
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

.ind-contact-prompt__detail {
  font-size: 0.9375rem;
  color: var(--text-on-light);
  line-height: 1.8;
}

/* ============================================================
   BLOG INDEX
   ============================================================ */
.ind-blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.ind-blog-card {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  overflow: hidden;
  background: #ffffff;
  transition: box-shadow 0.2s ease-out;
  color: inherit;
}

.ind-blog-card:hover {
  box-shadow: 0 4px 20px rgba(26,31,46,0.08);
}

.ind-blog-card__cover {
  width: 100%;
  aspect-ratio: 16/9;
  object-fit: cover;
  height: auto;
}

.ind-blog-card__body {
  padding: 1.25rem 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  flex-grow: 1;
}

.ind-blog-card__tag {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brand-clay);
  background: rgba(196,87,58,0.08);
  padding: 0.2rem 0.5rem;
  border-radius: var(--radius-badge);
}

.ind-blog-card__title {
  font-family: var(--font-heading);
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--text-on-light);
  line-height: 1.3;
  transition: color 0.2s ease-out;
}

.ind-blog-card:hover .ind-blog-card__title { color: var(--brand-clay); }

.ind-blog-card__excerpt {
  font-size: 0.875rem;
  color: var(--text-muted-on-light);
  line-height: 1.6;
  flex-grow: 1;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.ind-blog-card__meta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.8125rem;
  color: var(--text-subtle-on-light);
}

.ind-blog-card__author { color: var(--text-muted-on-light); font-weight: 500; }

/* ============================================================
   ARTICLE PAGE
   ============================================================ */
.ind-article-wrap {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: clamp(5rem, 8vw, 8rem) clamp(1rem, 4vw, 2.5rem) clamp(4rem, 6vw, 6rem);
  background: #ffffff;
}

.ind-article-header {
  max-width: 800px;
  margin: 0 auto 2rem;
}

.ind-article-cover {
  width: 100%;
  max-width: 880px;
  margin: 0 auto 3rem;
  border-radius: var(--radius-card);
  overflow: hidden;
}

.ind-article-cover img {
  width: 100%;
  height: auto;
  aspect-ratio: 16/9;
  object-fit: cover;
  display: block;
}

.ind-article-body {
  max-width: 720px;
  margin: 0 auto;
  padding-inline: clamp(0.5rem, 2vw, 1rem);
}

.ind-article-body h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.3rem, 2.5vw, 1.9rem);
  font-weight: 700;
  color: var(--text-on-light);
  margin-top: 2.5rem;
  margin-bottom: 0.875rem;
}

.ind-article-body h3 {
  font-family: var(--font-body);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--text-on-light);
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}

.ind-article-body p {
  font-size: 1rem;
  line-height: 1.8;
  color: var(--text-on-light);
  margin-bottom: 1.25rem;
}

.ind-article-body ul, .ind-article-body ol {
  padding-left: 1.75rem;
  margin-bottom: 1.25rem;
  list-style: disc;
}

.ind-article-body ol { list-style: decimal; }

.ind-article-body li {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--text-on-light);
  margin-bottom: 0.4rem;
}

.ind-article-body blockquote {
  border-left: 3px solid var(--brand-clay);
  padding-left: 1.5rem;
  margin: 2rem 0;
  font-family: var(--font-heading);
  font-style: italic;
  font-size: 1.125rem;
  color: var(--text-muted-on-light);
  line-height: 1.65;
}

.ind-article-body pre {
  background: var(--midnight);
  border-radius: var(--radius-card);
  padding: 1.25rem 1.5rem;
  overflow-x: auto;
  margin-bottom: 1.5rem;
}

.ind-article-body pre code {
  font-family: var(--font-mono);
  font-size: 0.875rem;
  color: var(--text-on-dark);
  background: transparent;
  border: none;
  padding: 0;
}

.ind-article-body code {
  font-family: var(--font-mono);
  font-size: 0.875em;
  background: var(--surface-off);
  color: var(--brand-clay);
  padding: 0.15em 0.4em;
  border-radius: 4px;
}

.ind-article-body img {
  max-width: 100%;
  border-radius: var(--radius-card);
  margin: 1.5rem 0;
}

/* ============================================================
   CONTACT FORM
   ============================================================ */
.ind-contact-form-wrap {
  max-width: 640px;
  margin: 0 auto;
}

.ind-form {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.ind-form__group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.ind-form__label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-on-light);
}

.ind-form__input,
.ind-form__select,
.ind-form__textarea {
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--text-on-light);
  background: #ffffff;
  border: 1.5px solid var(--border-warm);
  border-radius: var(--radius-btn);
  padding: 0.75rem 1rem;
  transition: border-color 0.2s ease-out, box-shadow 0.2s ease-out;
  width: 100%;
  appearance: none;
  -webkit-appearance: none;
}

.ind-form__input:focus,
.ind-form__select:focus,
.ind-form__textarea:focus {
  outline: none;
  border-color: var(--brand-clay);
  box-shadow: 0 0 0 3px rgba(196,87,58,0.12);
}

.ind-form__textarea { resize: vertical; min-height: 140px; }

.ind-form__checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}

.ind-form__checkbox {
  width: 18px;
  height: 18px;
  border: 1.5px solid var(--border-warm);
  border-radius: 4px;
  accent-color: var(--brand-clay);
  flex-shrink: 0;
  margin-top: 0.1rem;
}

.ind-form__checkbox-label {
  font-size: 0.875rem;
  color: var(--text-muted-on-light);
  line-height: 1.5;
}

.ind-form__checkbox-label a {
  color: var(--brand-clay);
  text-decoration: underline;
}

/* ============================================================
   AUTH PAGES (login / register)
   ============================================================ */
.ind-auth-page {
  min-height: 100vh;
  background: var(--surface-warm);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 2rem clamp(1rem, 4vw, 2.5rem);
}

.ind-auth-card {
  background: #ffffff;
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  padding: clamp(2rem, 4vw, 3rem);
  width: 100%;
  max-width: 440px;
  box-shadow: 0 4px 32px rgba(26,31,46,0.07);
}

.ind-auth-card__logo {
  text-align: center;
  margin-bottom: 2rem;
}

.ind-auth-card__logo img {
  height: 40px;
  width: auto;
  margin: 0 auto;
}

.ind-auth-card__heading {
  font-family: var(--font-heading);
  font-size: 1.625rem;
  font-weight: 700;
  color: var(--text-on-light);
  text-align: center;
  margin-bottom: 0.5rem;
}

.ind-auth-card__sub {
  font-size: 0.9375rem;
  color: var(--text-muted-on-light);
  text-align: center;
  margin-bottom: 2rem;
}

.ind-auth-form {
  display: flex;
  flex-direction: column;
  gap: 1.125rem;
}

.ind-auth-form__group {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.ind-auth-form__label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-on-light);
}

.ind-auth-form__input {
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--text-on-light);
  background: #ffffff;
  border: 1.5px solid var(--border-warm);
  border-radius: var(--radius-btn);
  padding: 0.75rem 1rem;
  width: 100%;
  transition: border-color 0.2s ease-out, box-shadow 0.2s ease-out;
}

.ind-auth-form__input:focus {
  outline: none;
  border-color: var(--brand-clay);
  box-shadow: 0 0 0 3px rgba(196,87,58,0.12);
}

.ind-auth-form__submit {
  width: 100%;
  padding: 0.875rem 1.5rem;
  background: var(--emerald);
  color: var(--midnight);
  border: none;
  border-radius: var(--radius-btn);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s ease-out;
  margin-top: 0.5rem;
}

.ind-auth-form__submit:hover {
  background: var(--emerald-muted);
  color: var(--midnight);
}

.ind-auth-card__links {
  margin-top: 1.5rem;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.ind-auth-card__link-text {
  font-size: 0.875rem;
  color: var(--text-muted-on-light);
}

.ind-auth-card__link-text a {
  color: var(--brand-clay);
  font-weight: 500;
}

.ind-auth-card__legal {
  margin-top: 1.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--border-warm);
  text-align: center;
  font-size: 0.8125rem;
  color: var(--text-subtle-on-light);
}

.ind-auth-card__legal a {
  color: var(--text-muted-on-light);
  text-decoration: underline;
}

/* ============================================================
   LEGAL PAGES
   ============================================================ */
.ind-legal-page {
  background: #ffffff;
}

.ind-legal-page main {
  background: #ffffff;
}

.ind-legal-main {
  max-width: 780px;
  margin: 0 auto;
  padding: clamp(5rem, 8vw, 8rem) clamp(1rem, 4vw, 2.5rem) clamp(4rem, 6vw, 6rem);
  background: #ffffff;
  color: var(--text-on-light);
}

.ind-legal-main h1 {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 3vw, 2.8rem);
  font-weight: 700;
  color: var(--text-on-light);
  margin-bottom: 0.5rem;
}

.ind-legal-main .ind-legal-meta {
  font-size: 0.875rem;
  color: var(--text-muted-on-light);
  margin-bottom: 2.5rem;
}

.ind-legal-main h2 {
  font-family: var(--font-heading);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--text-on-light);
  margin-top: 2.5rem;
  margin-bottom: 0.875rem;
}

.ind-legal-main h3 {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--text-on-light);
  margin-top: 1.75rem;
  margin-bottom: 0.625rem;
}

.ind-legal-main p {
  font-size: 0.9375rem;
  line-height: 1.8;
  color: var(--text-on-light);
  margin-bottom: 1rem;
}

.ind-legal-main ul, .ind-legal-main ol {
  padding-left: 1.75rem;
  margin-bottom: 1rem;
  list-style: disc;
}

.ind-legal-main ol { list-style: decimal; }

.ind-legal-main li {
  font-size: 0.9375rem;
  line-height: 1.75;
  color: var(--text-on-light);
  margin-bottom: 0.35rem;
}

.ind-legal-main a {
  color: var(--brand-clay);
  text-decoration: underline;
}

.ind-legal-main table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 1.5rem;
  font-size: 0.875rem;
}

.ind-legal-main th {
  background: var(--surface-off);
  font-weight: 600;
  color: var(--text-on-light);
  padding: 0.75rem;
  border: 1px solid var(--border-warm);
  text-align: left;
}

.ind-legal-main td {
  padding: 0.75rem;
  border: 1px solid var(--border-warm);
  color: var(--text-on-light);
  line-height: 1.55;
}

/* ============================================================
   COOKIE BANNER
   ============================================================ */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--midnight);
  border-top: 1px solid rgba(255,255,255,0.08);
}

.cookie-banner--prior-consent {
  background: var(--midnight);
}

.cookie-banner__inner {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 1.125rem clamp(1rem, 4vw, 2.5rem);
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
}

.cookie-banner__text {
  flex: 1;
  font-size: 0.875rem;
  color: var(--text-muted-on-dark);
  line-height: 1.55;
}

.cookie-banner__text a {
  color: var(--text-on-dark);
  text-decoration: underline;
}

.cookie-banner__actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

.cookie-banner__btn {
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 600;
  padding: 0.6rem 1.25rem;
  border-radius: var(--radius-btn);
  cursor: pointer;
  transition: opacity 0.2s ease-out;
  white-space: nowrap;
}

.cookie-banner__btn--primary {
  background: var(--emerald);
  color: var(--midnight);
  border: 2px solid var(--emerald);
}

.cookie-banner__btn--primary:hover { opacity: 0.88; }

.cookie-banner__btn--secondary {
  background: transparent;
  color: var(--text-on-dark);
  border: 2px solid rgba(250, 248, 245, 0.35);
}

.cookie-banner__btn--secondary:hover { background: rgba(250,248,245,0.08); }

/* ============================================================
   FADE-IN REVEAL
   ============================================================ */
.ind-reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.4s ease-out, transform 0.4s ease-out;
}

.ind-reveal--visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .ind-products__grid { grid-template-columns: repeat(2, 1fr); }
  .ind-testimonials__grid { grid-template-columns: repeat(2, 1fr); }
  .ind-pricing-grid { grid-template-columns: 1fr; }
  .ind-health-plans { grid-template-columns: 1fr; }
  .ind-team-grid { grid-template-columns: 1fr 1fr; }
  .ind-values { grid-template-columns: 1fr; gap: 2rem; }
  .ind-how-hero__inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .ind-health-network { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .ind-nav__links,
  .ind-nav__actions { display: none; }
  .ind-nav__hamburger { display: flex; }

  .ind-hero__content { grid-template-columns: 1fr; }
  .ind-hero__badge { display: none; }

  .ind-proof-bar__inner { grid-template-columns: repeat(2, 1fr); row-gap: 1.5rem; }

  .ind-products__grid { grid-template-columns: 1fr; }
  .ind-steps { grid-template-columns: 1fr; }
  .ind-steps::before { display: none; }

  .ind-testimonials__grid { grid-template-columns: 1fr; }

  .ind-factors { grid-template-columns: 1fr; }
  .ind-two-col { grid-template-columns: 1fr; gap: 2.5rem; }
  .ind-home-types { grid-template-columns: 1fr; }
  .ind-claims-prep { grid-template-columns: 1fr; }
  .ind-policy-cols { grid-template-columns: 1fr; gap: 2rem; }
  .ind-data-cols { grid-template-columns: 1fr; }
  .ind-team-grid { grid-template-columns: 1fr; }
  .ind-pricing-engine { grid-template-columns: 1fr; }
  .ind-health-sns { grid-template-columns: 1fr; }
  .ind-pricing-how { grid-template-columns: 1fr; }
  .ind-health-plans { grid-template-columns: 1fr; }

  .ind-footer__grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .ind-footer__bottom { flex-direction: column; align-items: flex-start; }

  .ind-blog-grid { grid-template-columns: 1fr; }
  .ind-blog-grid--two-col { grid-template-columns: 1fr; }

  .cookie-banner__inner { flex-direction: column; align-items: flex-start; gap: 1rem; }

  .ind-how-brief .ind-steps { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .ind-proof-bar__inner { grid-template-columns: 1fr 1fr; }
  .ind-hero__h1 { font-size: 2rem; }
  .ind-auth-card { padding: 1.75rem 1.25rem; }
  .ind-pricing-grid { gap: 1.25rem; }
}

/* ============================================================
   UTILITY
   ============================================================ */
.ind-pt-nav { padding-top: 68px; }

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

.ind-text-center { text-align: center; }
.ind-text-muted { color: var(--text-muted-on-light); }

.ind-mt-1 { margin-top: 1rem; }
.ind-mt-2 { margin-top: 2rem; }
.ind-mb-0 { margin-bottom: 0; }

/* Section heading block */
.ind-section-header {
  margin-bottom: 3.5rem;
}

.ind-section-header--center { text-align: center; }