:root{
  --navy:#0f2742;
  --navy-2:#173a5e;
  --gold:#c8a45c;
  --gold-dark:#a9863f;
  --ink:#1c2733;
  --muted:#5b6876;
  --bg:#ffffff;
  --alt:#f4f1ea;
  --line:#e3ded2;
  --radius:10px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;line-height:1.2;margin:0 0 .6em;color:var(--navy)}
h1{font-size:clamp(2.2rem,5vw,3.8rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{width:min(1160px,100% - 40px);margin-inline:auto}
.center{text-align:center}

/* buttons */
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:600;text-decoration:none;padding:14px 28px;border-radius:999px;border:2px solid var(--gold);cursor:pointer;font:inherit;font-weight:600;transition:.2s}
.btn:hover{background:var(--gold-dark);border-color:var(--gold-dark);color:#fff}
.btn-small{padding:9px 20px;font-size:.92rem}
.btn-ghost{background:transparent;color:#fff;border-color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy);border-color:#fff}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold);font-family:"Playfair Display",serif;font-weight:700;font-size:1rem;letter-spacing:.5px}
.brand-name{font-family:"Playfair Display",serif;font-weight:600;color:var(--navy);line-height:1.1;font-size:1.05rem}
.nav{display:flex;align-items:center;gap:30px}
.nav a,.dropdown-btn{text-decoration:none;font-weight:500;color:var(--navy);font-size:.98rem;background:none;border:0;cursor:pointer;font-family:inherit;padding:6px 0}
.nav a:not(.btn):hover,.dropdown-btn:hover{color:var(--gold-dark)}
.nav .btn{color:var(--navy)}
.nav .btn:hover{color:#fff}
.dropdown{position:relative}
.dropdown-menu{position:absolute;top:100%;left:-14px;min-width:230px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 14px 30px rgba(15,39,66,.12);padding:8px;display:none}
.dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{display:block}
.dropdown-menu a{display:block;padding:10px 14px;border-radius:6px}
.dropdown-menu a:hover{background:var(--alt)}
.menu-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.menu-toggle span{display:block;width:26px;height:2px;background:var(--navy);margin:5px 0;transition:.2s}

/* hero */
.hero{position:relative;color:#fff;background:#0b1d33;min-height:min(92vh,880px);display:flex;align-items:center;padding:clamp(90px,12vw,150px) 0;overflow:hidden;isolation:isolate}
.hero-bg{position:absolute;left:0;right:0;top:-18%;bottom:-18%;background:url("assets/hero.webp") center/cover no-repeat;will-change:transform;z-index:-3}
.hero-overlay{position:absolute;inset:0;z-index:-2;background:linear-gradient(100deg,rgba(8,22,40,.92) 0%,rgba(10,28,50,.78) 45%,rgba(15,39,66,.45) 100%),linear-gradient(0deg,rgba(8,22,40,.55),transparent 40%)}
.hero-glow{position:absolute;right:-10%;top:5%;width:min(620px,70vw);aspect-ratio:1;border-radius:50%;background:radial-gradient(circle,rgba(200,164,92,.35),transparent 65%);z-index:-1;will-change:transform;pointer-events:none}
.hero-inner{width:min(1160px,100% - 40px);will-change:transform,opacity}
.hero h1{text-shadow:0 2px 24px rgba(0,0,0,.35)}
.hero-inner{position:relative;z-index:2}
.hero-inner h1{max-width:820px}
.hero h1{color:#fff}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;color:var(--gold);font-weight:600;margin-bottom:1.2em}
.lead{font-size:1.2rem;color:#dbe5f0;max-width:640px}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:2em}

/* strip */
.strip{background:var(--navy);color:#fff}
.strip-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:26px 0;text-align:center}
.strip strong{display:block;font-family:"Playfair Display",serif;font-size:1.2rem;color:var(--gold)}
.strip span{font-size:.92rem;color:#c8d4e2}

/* sections */
.section{padding:clamp(60px,9vw,110px) 0}
.section.alt{background:var(--alt)}
.section.navy{background:var(--navy);color:#e6edf5}
.section.navy h2,.section.navy h3{color:#fff}
.section-head{max-width:720px;margin:0 auto 3rem}
.section-head.center p{color:var(--muted)}
.navy .section-head p{color:#b9c8d9}

.cards{display:grid;gap:24px}
.cards.three{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 28px;box-shadow:0 8px 24px rgba(15,39,66,.05);transition:.25s}
.card:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(15,39,66,.1)}
.num{display:inline-block;font-family:"Playfair Display",serif;color:var(--gold-dark);font-size:1.6rem;margin-bottom:.4em}
.card p{color:var(--muted);margin:0}
.cta-row{margin-top:3rem}

.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,6vw,80px);align-items:center}
.split-media{min-height:440px;border-radius:var(--radius);background:linear-gradient(160deg,var(--navy-2),var(--navy));display:grid;place-items:center;color:rgba(255,255,255,.5);font-size:.9rem;box-shadow:0 20px 40px rgba(15,39,66,.2)}
.split-text p{color:var(--muted)}
.split-text .btn{margin-top:.6em}

.flow{list-style:none;counter-reset:s;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:18px}
.flow li{counter-increment:s;position:relative;background:var(--alt);border-radius:var(--radius);padding:56px 20px 24px}
.flow li::before{content:counter(s);position:absolute;top:16px;left:20px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:600;font-size:.9rem}
.flow h3{font-size:1.05rem}
.flow p{font-size:.92rem;color:var(--muted);margin:0}

.logos{list-style:none;margin:0 0 3rem;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.logos li{border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:26px 14px;text-align:center;font-family:"Playfair Display",serif;font-size:1.05rem;color:#fff;background:rgba(255,255,255,.04)}
.sub{margin-top:1rem}
.chips{list-style:none;margin:1.2rem 0 0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:10px}
.chips li{border:1px solid var(--gold);color:var(--gold);border-radius:999px;padding:8px 18px;font-size:.92rem}

.team{display:grid;grid-template-columns:repeat(4,1fr);gap:34px 24px}
.team figure{margin:0;text-align:center}
.avatar{width:120px;height:120px;border-radius:50%;margin:0 auto 14px;background:linear-gradient(145deg,var(--navy-2),var(--navy));color:var(--gold);display:grid;place-items:center;font-family:"Playfair Display",serif;font-size:1.7rem;border:3px solid var(--gold)}
.team strong{display:block;color:var(--navy);font-family:"Playfair Display",serif;font-size:1.1rem}
.team span{font-size:.9rem;color:var(--muted)}

.contact{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,6vw,80px);align-items:start}
.contact-info p{color:var(--muted)}
.contact-info a{color:var(--navy);font-weight:600}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:0 12px 30px rgba(15,39,66,.08)}
.form label{display:block;font-size:.88rem;font-weight:500;color:var(--navy);margin-bottom:16px}
.form input,.form textarea{width:100%;margin-top:6px;padding:12px 14px;border:1px solid #cfc8b8;border-radius:8px;font:inherit;background:#fff}
.form input:focus,.form textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.hp{position:absolute;left:-9999px}
.form-status{margin:16px 0 0;padding:12px 14px;border-radius:8px;font-size:.95rem}
.form-status.ok{background:#e8f4ec;color:#1d5c34;border:1px solid #b9dcc6}
.form-status.err{background:#fbeaea;color:#8a2323;border:1px solid #efc3c3}
.btn[disabled]{opacity:.6;cursor:wait}

/* footer */
.footer{background:#0a1a2e;color:#aebdce;padding:50px 0 36px}
.footer-top{display:flex;flex-direction:column;gap:6px;margin-bottom:24px}
.footer-top strong{font-family:"Playfair Display",serif;font-size:1.3rem;color:#fff}
.footer a{color:var(--gold)}
.fine{font-size:.8rem;color:#8798ab;max-width:900px}

/* team photos */
.avatar{position:relative;overflow:hidden}
.avatar img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center top}

/* parallax section background */
.section.navy{position:relative;overflow:hidden;isolation:isolate}
.section-bg{position:absolute;left:0;right:0;top:-20%;bottom:-20%;z-index:-1;background:linear-gradient(rgba(15,39,66,.9),rgba(15,39,66,.93)),url("assets/hero.webp") center/cover no-repeat;will-change:transform}

/* scroll reveal (only when JS is running) */
.js .reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease;transition-delay:var(--d,0s)}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .js .reveal{opacity:1;transform:none;transition:none}
  .hero-bg,.hero-glow,.section-bg{transform:none!important}
}

/* logo */
.brand-logo{height:54px;width:auto;display:block}
.footer-logo{height:68px;width:auto;align-self:flex-start;margin-bottom:10px}

/* nav CTA keeps its button look */
.nav a.btn{background:var(--gold);border:2px solid var(--gold);padding:9px 22px;border-radius:999px;color:var(--navy)}
.nav a.btn:hover{background:var(--gold-dark);border-color:var(--gold-dark);color:#fff}

/* dropdown (click to open) + carousel dots */
.dropdown.open .dropdown-menu{display:block}
.dropdown-btn span{display:inline-block;transition:transform .2s}
.dropdown.open .dropdown-btn span{transform:rotate(180deg)}
.dots{display:none;justify-content:center;gap:8px;margin-top:14px}
.dots button{width:8px;height:8px;border-radius:50%;border:0;padding:0;background:#c9c2b2;cursor:pointer;transition:.2s}
.dots button.on{background:var(--gold-dark);width:22px;border-radius:999px}
.strip .dots{margin:0;padding-bottom:18px}
.strip .dots button{background:rgba(255,255,255,.3)}
.strip .dots button.on{background:var(--gold)}

/* responsive */
@media (max-width:980px){
  .cards.three,.flow{grid-template-columns:1fr 1fr}
  .logos{grid-template-columns:1fr 1fr}
  .team{grid-template-columns:repeat(2,1fr)}
  .split,.contact{grid-template-columns:1fr}
  .split-media{min-height:300px}
}
@media (max-width:760px){
  .menu-toggle{display:block}
  .nav{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;gap:0;padding:12px 20px 20px;display:none}
  .nav.open{display:flex}
  .nav>a,.dropdown{width:100%;padding:10px 0;border-bottom:1px solid var(--line)}
  .nav a.btn{margin-top:14px;width:auto;border:2px solid var(--gold)}
  .dropdown-btn{width:100%;display:flex;justify-content:space-between;align-items:center;text-align:left}
  .dropdown-menu{position:static;display:none;border:0;box-shadow:none;padding:4px 0 0 12px}
  .dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{display:none}
  .dropdown.open .dropdown-menu{display:block}

  .strip-inner,.cards.three,.flow{display:flex;gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;scrollbar-width:none;overscroll-behavior-x:contain}
  .strip-inner::-webkit-scrollbar,.cards.three::-webkit-scrollbar,.flow::-webkit-scrollbar{display:none}
  .strip-inner>div,.cards.three>.card,.flow>li{flex:0 0 84%;scroll-snap-align:start}
  .strip-inner{gap:0}
  .strip-inner>div{flex:0 0 100%;scroll-snap-align:center;scroll-snap-stop:always;padding:0 6px;text-align:center}
  .cards.three{padding:4px 2px 8px}
  .flow{padding-bottom:4px}
  .dots{display:flex}
  .row{grid-template-columns:1fr}
  .hero-cta .btn{width:100%;text-align:center}
}

/* powered by */
.powered{display:inline-flex;align-items:center;gap:10px;margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.12);width:100%;color:#aebdce;font-size:.8rem;text-decoration:none;opacity:.85;transition:opacity .2s}
.footer a.powered{color:#aebdce}
.powered:hover{opacity:1}
.powered img{height:30px;width:auto}
.powered-name{color:#fff;font-weight:500;letter-spacing:.04em}

/* ---------- inner pages ---------- */
.page-hero{min-height:clamp(300px,42vh,420px);padding:clamp(70px,9vw,110px) 0}
.page-hero .lead{max-width:600px}
.form-narrow{max-width:780px}
.info-section{padding:clamp(50px,7vw,90px) 0}
.info-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.info-card{text-align:center;padding:34px 26px}
.info-card a{color:var(--navy);font-weight:600;word-break:break-word}
.info-icon{display:grid;place-items:center;width:52px;height:52px;margin:0 auto 14px;border-radius:50%;background:var(--navy);color:var(--gold);font-size:1.4rem}
.hours{list-style:none;margin:0;padding:0;text-align:left}
.hours li{display:flex;justify-content:space-between;gap:14px;padding:8px 0;border-bottom:1px solid var(--line);font-size:.95rem;color:var(--muted)}
.hours li:last-child{border-bottom:0}
.hours li span:first-child{color:var(--navy);font-weight:500}
.info-card .hours{max-width:300px;margin-inline:auto}

.map-wrap{display:grid;grid-template-columns:minmax(260px,380px) 1fr;gap:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#fff;box-shadow:0 14px 34px rgba(15,39,66,.1)}
.map-info{padding:34px 30px}
.map-info h3{font-size:1.05rem;margin-bottom:.3em;color:var(--gold-dark);text-transform:uppercase;letter-spacing:.08em;font-family:Inter,sans-serif;font-weight:600}
.map-info p{color:var(--muted)}
.map-info a:not(.btn){color:var(--navy);font-weight:600;text-decoration:none;word-break:break-word}
.map-info a:not(.btn):hover{color:var(--gold-dark)}
.map-info .hours{margin-bottom:1.4em}
.map-frame{min-height:380px}
.map-frame iframe{width:100%;height:100%;min-height:380px;border:0;display:block}

.quote-form h3{margin:1.4em 0 .8em;padding-bottom:.4em;border-bottom:1px solid var(--line);font-size:1.15rem}
.quote-form h3:first-of-type{margin-top:0}
.form select{width:100%;margin-top:6px;padding:12px 14px;border:1px solid #cfc8b8;border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
.form .dob select{margin-top:0}
.form select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.row.three{grid-template-columns:repeat(3,1fr)}
.form fieldset{border:0;margin:0 0 16px;padding:0;min-width:0}
.form legend{font-size:.88rem;font-weight:500;color:var(--navy);padding:0;margin-bottom:6px}
.pills{display:flex;flex-wrap:wrap;gap:10px}
.form .pill{display:inline-block;margin:0;cursor:pointer}
.form .pill input{position:absolute;opacity:0;width:1px;height:1px;margin:0}
.pill span{display:inline-block;padding:9px 22px;border:1px solid #cfc8b8;border-radius:999px;font-size:.92rem;color:var(--navy);transition:.15s}
.pill input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.pill input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.form-note{font-size:.82rem;color:var(--muted);margin:.4em 0 1.2em}

@media (max-width:980px){
  .map-wrap{grid-template-columns:1fr}
}
@media (max-width:760px){
  .info-cards{display:flex;gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;scrollbar-width:none;overscroll-behavior-x:contain;padding:4px 2px 8px}
  .info-cards::-webkit-scrollbar{display:none}
  .info-cards>.card{flex:0 0 100%;scroll-snap-align:center;scroll-snap-stop:always}
  .row.three{grid-template-columns:1fr}
  .form{padding:24px 20px}
  .map-info{padding:26px 22px}
  .map-frame,.map-frame iframe{min-height:320px}
}
@media (max-width:760px){
  .info-card a{font-size:.9rem}
  .hours li span:last-child{white-space:nowrap}
}

/* faq + policies */
.faq-list{display:grid;gap:12px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 6px 18px rgba(15,39,66,.05);overflow:hidden}
.faq-item summary{cursor:pointer;list-style:none;padding:20px 56px 20px 24px;font-family:"Playfair Display",serif;font-weight:600;font-size:1.12rem;color:var(--navy);position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-family:Inter,sans-serif;font-size:1.5rem;color:var(--gold-dark);transition:transform .2s}
.faq-item[open] summary::after{content:"\2212"}
.faq-item p{margin:0;padding:0 24px 22px;color:var(--muted)}
.faq-item summary:focus-visible{outline:2px solid var(--gold);outline-offset:-2px}
.policy-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.policy{padding:26px 24px}
.policy h3{font-size:1.1rem;margin-bottom:.4em}
.policy:hover{transform:none}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.fine-dark{font-size:.82rem;color:var(--muted);max-width:820px;margin:2.4rem auto 0}
@media (max-width:980px){.policy-grid{grid-template-columns:1fr 1fr}}
@media (max-width:760px){.policy-grid{grid-template-columns:1fr}.faq-item summary{font-size:1.02rem}}

/* partner logo tiles */
.logos li{display:grid;place-items:center;height:128px;padding:18px 22px;background:#fff;border:0;border-radius:var(--radius);box-shadow:0 8px 22px rgba(0,0,0,.18)}
.logos li.dark{background:#000}
.logos li img{max-width:100%;max-height:78px;width:auto;height:auto;object-fit:contain}
@media (max-width:760px){.logos li{height:104px;padding:14px}.logos li img{max-height:62px}}
.logos li.tall{padding:10px}
.logos li.tall img{max-height:108px}
@media (max-width:760px){.logos li.tall img{max-height:84px}}

/* meet the team slider */
.team-media{max-width:440px;width:100%;justify-self:center;text-align:center}
.team-title{font-size:clamp(1.5rem,2.6vw,1.9rem);margin-bottom:.7em}
.ts-viewport{display:grid;overflow:hidden;border-radius:var(--radius);background:#fff;box-shadow:0 20px 40px rgba(15,39,66,.16);touch-action:pan-y;cursor:grab}
.ts-slide{grid-area:1/1;margin:0;opacity:0;visibility:hidden;transform:translateX(14%);transition:opacity .7s ease,transform .7s ease,visibility 0s linear .7s}
.ts-slide.is-active{opacity:1;visibility:visible;transform:none;transition:opacity .7s ease,transform .7s ease}
.ts-slide.is-leaving{opacity:0;visibility:visible;transform:translateX(-14%)}
.ts-photo{position:relative;aspect-ratio:4/5;background:linear-gradient(145deg,var(--navy-2),var(--navy));display:grid;place-items:center;color:var(--gold);font-family:"Playfair Display",serif;font-size:3rem}
.ts-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 8%;-webkit-user-drag:none;user-select:none}
.ts-slide figcaption{padding:16px 12px 20px;background:#fff}
.ts-slide figcaption strong{display:block;font-family:"Playfair Display",serif;font-size:1.25rem;color:var(--navy)}
.ts-slide figcaption span{font-size:.92rem;color:var(--gold-dark);font-weight:500}
.ts-dots{display:flex;justify-content:center;gap:8px;margin-top:16px;flex-wrap:wrap}
.ts-dots button{width:8px;height:8px;border-radius:50%;border:0;padding:0;background:#c9c2b2;cursor:pointer;transition:.2s}
.ts-dots button.on{background:var(--gold-dark);width:22px;border-radius:999px}
@media (prefers-reduced-motion:reduce){.ts-slide,.ts-slide.is-active,.ts-slide.is-leaving{transform:none;transition:opacity .3s}}

/* partner logos: centered rows */
.logos{display:flex;flex-wrap:wrap;justify-content:center;gap:16px}
.logos li{flex:0 0 calc(25% - 12px)}
@media (max-width:980px){.logos li{flex-basis:calc(50% - 8px)}}

/* ---------- insurance policies mega menu ---------- */
.mega-menu{min-width:560px;left:50%;transform:translateX(-50%);display:none;grid-template-columns:1fr 1fr;gap:6px 18px;padding:14px}
.dropdown:hover .mega-menu,.dropdown:focus-within .mega-menu,.dropdown.open .mega-menu{display:grid}
.mega-col h4{margin:4px 14px 6px;font-family:'Playfair Display',serif;font-size:1.02rem;color:var(--gold-dark,#a9863f)}
.mega-col a{font-size:.93rem;padding:7px 14px}
@media (max-width:980px){
  .mega-menu{position:static;transform:none;min-width:0;display:none;grid-template-columns:1fr;padding:4px 0 0 12px;border:0;box-shadow:none}
  .dropdown:hover .mega-menu,.dropdown:focus-within .mega-menu{display:none}
  .dropdown.open .mega-menu{display:grid}
}
/* policy pages */
.narrow{max-width:900px}
.policy-intro{font-size:1.12rem;line-height:1.7;text-align:center;max-width:720px;margin:0 auto 2.2rem}
.policy-cols{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:1.8rem}
.policy-card h3{margin-top:0}
.checks{list-style:none;margin:0;padding:0}
.checks li{position:relative;padding:8px 0 8px 26px;border-bottom:1px solid var(--line)}
.checks li:last-child{border-bottom:0}
.checks li::before{content:"";position:absolute;left:2px;top:15px;width:9px;height:9px;border-radius:50%;background:var(--gold)}
.linkchips a{color:inherit}
.linkchips li:hover{background:var(--gold);color:#fff}
.policy-links{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.policy-links a{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;transition:.25s;height:100%}
.policy-links a:hover{border-color:var(--gold);transform:translateY(-2px)}
.policy-links strong{display:block;font-family:'Playfair Display',serif;font-size:1.1rem;color:var(--navy)}
.policy-links span{display:block;margin-top:4px;font-size:.92rem;color:var(--muted,#5b6b7d)}
@media (max-width:760px){
  .policy-cols,.policy-links{grid-template-columns:1fr}
}
.chips a,.linkchips a{text-decoration:none}