/* ============================================================
   ZPT Financial Services — styles.css
   Aesthetic: refined editorial-corporate · cream canvas,
   royal blue + gold brand, Fraunces serif display.
   ============================================================ */

:root{
  --blue:#1f4fa3;        /* brand royal blue */
  --blue-deep:#173e83;
  --navy:#12203b;        /* dark sections / text */
  --gold:#f5b81c;        /* brand gold */
  --gold-deep:#d99a06;
  --cream:#fbf7ef;       /* warm canvas */
  --cream-2:#f4ecdc;     /* slightly deeper warm */
  --ink:#1a2438;         /* body text */
  --ink-soft:#54607a;    /* muted text */
  --line:rgba(18,32,59,.12);
  --white:#ffffff;
  --wa:#25d366;          /* whatsapp green */

  --shadow-sm:0 1px 2px rgba(18,32,59,.06), 0 2px 8px rgba(18,32,59,.05);
  --shadow-md:0 8px 30px rgba(18,32,59,.10);
  --shadow-lg:0 24px 60px rgba(18,32,59,.16);

  --serif:"Fraunces", Georgia, "Times New Roman", serif;
  --sans:"Plus Jakarta Sans", system-ui, -apple-system, sans-serif;

  --r-sm:10px; --r-md:18px; --r-lg:26px; --r-pill:999px;
  --maxw:1180px;
  --ease:cubic-bezier(.22,1,.36,1);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto;}}

body{
  margin:0;
  font-family:var(--sans);
  color:var(--ink);
  background:var(--cream);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 clamp(20px,4vw,40px);}

img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}

/* ---------- Typography ---------- */
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.08;letter-spacing:-.015em;color:var(--navy);margin:0;}
em{font-style:italic;color:var(--blue);}
.section-title{font-size:clamp(2rem,4.6vw,3.4rem);font-weight:600;}
.section-title.light{color:var(--cream);}
.section-title.light em{color:var(--gold);}

.kicker{
  font-family:var(--sans);font-weight:700;text-transform:uppercase;
  letter-spacing:.16em;font-size:.74rem;color:var(--blue);margin:0 0 14px;
}
.kicker-light{color:var(--gold);}

.section-sub{color:var(--ink-soft);font-size:1.08rem;max-width:58ch;margin:18px 0 0;}
.section-head{margin-bottom:54px;max-width:760px;}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.section-head.center .section-sub{margin-left:auto;margin-right:auto;}

.section{padding:clamp(72px,9vw,128px) 0;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.55em;
  font-family:var(--sans);font-weight:700;font-size:.98rem;
  padding:.92em 1.5em;border-radius:var(--r-pill);border:1.5px solid transparent;
  cursor:pointer;transition:transform .35s var(--ease), box-shadow .35s var(--ease), background .25s, color .25s;
  white-space:nowrap;
}
.btn .ico{width:1.05em;height:1.05em;fill:currentColor;}
.btn-sm{padding:.62em 1.15em;font-size:.9rem;}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 4px 12px rgba(18,32,59,.12);}
.btn-gold:hover{transform:translateY(-3px);box-shadow:0 10px 22px rgba(18,32,59,.20);background:#ffc733;}
.btn-ghost{background:transparent;color:var(--cream);border-color:rgba(251,247,239,.45);}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-3px);}
.btn-whatsapp{background:var(--wa);color:#fff;box-shadow:0 4px 12px rgba(18,32,59,.12);}
.btn-whatsapp:hover{transform:translateY(-3px);box-shadow:0 10px 22px rgba(18,32,59,.20);background:#1ebe5b;}

/* ============================================================
   HEADER
   ============================================================ */
.site-header{
  position:sticky;top:0;z-index:60;
  background:rgba(251,247,239,.82);
  backdrop-filter:saturate(160%) blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color .3s, box-shadow .3s, background .3s;
}
.site-header.scrolled{border-bottom-color:var(--line);box-shadow:var(--shadow-sm);background:rgba(251,247,239,.94);}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:78px;}
.brand-logo{height:42px;width:auto;}
.nav{display:flex;align-items:center;gap:clamp(18px,2.4vw,34px);}
.nav a{font-weight:600;font-size:.98rem;color:var(--navy);position:relative;padding:4px 0;transition:color .2s;}
.nav a:not(.nav-cta)::after{
  content:"";position:absolute;left:0;bottom:-2px;height:2px;width:0;background:var(--gold);
  transition:width .3s var(--ease);
}
.nav a:not(.nav-cta):hover{color:var(--blue);}
.nav a:not(.nav-cta):hover::after{width:100%;}
.nav-cta{color:var(--navy)!important;flex:0 0 auto;white-space:nowrap;}

.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;
  background:none;border:none;cursor:pointer;padding:8px;}
.nav-toggle span{display:block;height:2.5px;width:100%;background:var(--navy);border-radius:2px;transition:transform .3s var(--ease),opacity .2s;}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg);}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0;}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg);}

/* ============================================================
   HERO
   ============================================================ */
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(120% 90% at 80% -10%, #28579e 0%, transparent 55%),
    linear-gradient(160deg,#173e83 0%, #12203b 70%);
  color:var(--cream);
  padding:clamp(86px,12vw,150px) 0 clamp(76px,10vw,128px);
}
.hero-bg{position:absolute;inset:0;pointer-events:none;}
.hero-monogram{
  position:absolute;right:-6%;top:50%;transform:translateY(-50%);
  width:min(620px,58vw);opacity:.10;filter:grayscale(.2) brightness(1.6);
  animation:floaty 9s ease-in-out infinite;
}
.hero-glow{
  position:absolute;left:-10%;bottom:-30%;width:60%;height:80%;
  background:radial-gradient(circle, rgba(245,184,28,.20), transparent 65%);
  filter:blur(20px);
}
.hero-inner{position:relative;max-width:760px;}
.eyebrow{
  display:inline-flex;align-items:center;gap:.6em;
  font-weight:600;font-size:.82rem;letter-spacing:.04em;
  color:#dfe8fb;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);
  padding:.5em 1em;border-radius:var(--r-pill);margin:0 0 26px;
}
.eyebrow-dot{width:8px;height:8px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(245,184,28,.25);}
.hero-title{font-size:clamp(2.7rem,7vw,5rem);font-weight:600;color:var(--cream);letter-spacing:-.02em;}
.hero-title em{color:var(--gold);}
.hero-lead{font-size:clamp(1.05rem,1.7vw,1.28rem);color:#cfd8ea;max-width:54ch;margin:26px 0 38px;}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center;}
.hero-trust{
  display:flex;flex-wrap:wrap;align-items:center;gap:10px 16px;
  margin-top:44px;padding-top:26px;border-top:1px solid rgba(255,255,255,.12);
  color:#aebbd6;font-size:.95rem;
}
.hero-trust strong{color:var(--gold);font-weight:700;}
.hero-trust .dot{color:rgba(255,255,255,.3);}

@keyframes floaty{0%,100%{transform:translateY(-50%);}50%{transform:translateY(-54%);}}

/* ============================================================
   SERVICES
   ============================================================ */
.services{background:var(--cream);}
.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
.service-card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--r-md);
  padding:30px 26px;box-shadow:var(--shadow-sm);
  transition:transform .4s var(--ease), box-shadow .4s var(--ease), border-color .3s;
  position:relative;overflow:hidden;
}
.service-card::before{
  content:"";position:absolute;left:0;top:0;height:3px;width:100%;
  background:linear-gradient(90deg,var(--gold),var(--blue));transform:scaleX(0);transform-origin:left;
  transition:transform .45s var(--ease);
}
.service-card:hover{transform:translateY(-7px);box-shadow:var(--shadow-lg);border-color:transparent;}
.service-card:hover::before{transform:scaleX(1);}
.service-ico{
  display:grid;place-items:center;width:56px;height:56px;border-radius:14px;
  background:linear-gradient(150deg,#eaf0fb,#dbe6fa);margin-bottom:20px;
  transition:background .35s, transform .35s var(--ease);
}
.service-ico svg{width:30px;height:30px;fill:var(--blue);transition:fill .35s;}
.service-card:hover .service-ico{background:linear-gradient(150deg,var(--blue),var(--navy));transform:rotate(-4deg) scale(1.05);}
.service-card:hover .service-ico svg{fill:var(--gold);}
.service-card h3{font-size:1.28rem;margin-bottom:8px;}
.service-card p{color:var(--ink-soft);font-size:.96rem;margin:0;}

.service-extra{
  margin-top:44px;display:flex;flex-wrap:wrap;align-items:center;gap:14px 22px;
  justify-content:center;text-align:center;
  padding:26px;border-radius:var(--r-md);background:var(--cream-2);border:1px solid var(--line);
}
.service-extra-label{font-weight:700;color:var(--navy);margin:0;font-size:.95rem;}
.pill-row{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px;justify-content:center;}
.pill-row li{
  background:var(--white);border:1px solid var(--line);border-radius:var(--r-pill);
  padding:.5em 1.1em;font-size:.9rem;font-weight:600;color:var(--blue-deep);
}

/* ============================================================
   ABOUT
   ============================================================ */
.about{background:var(--white);}
.about-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(36px,5vw,72px);align-items:center;}
.about-copy p{color:var(--ink-soft);font-size:1.04rem;margin:0 0 16px;}
.about-copy .section-title{margin-bottom:22px;}
.stat-row{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap;}
.stat{
  flex:1 1 130px;background:var(--cream);border:1px solid var(--line);border-radius:var(--r-md);
  padding:20px 22px;
}
.stat-num{display:block;font-family:var(--serif);font-weight:600;font-size:2.5rem;color:var(--blue);line-height:1;}
.stat-num sup{color:var(--gold);font-size:1.1rem;top:-1.1em;}
.stat-label{display:block;margin-top:6px;font-size:.84rem;font-weight:600;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.06em;}

.about-cards{display:grid;gap:18px;}
.vm-card{position:relative;border-radius:var(--r-lg);padding:32px 30px;overflow:hidden;}
.vm-mark{position:absolute;right:22px;top:18px;font-size:1.6rem;color:var(--gold);opacity:.6;}
.vm-vision{background:linear-gradient(155deg,var(--blue),var(--blue-deep));color:#eaf0fb;}
.vm-vision h3{color:#fff;}
.vm-mission{background:var(--cream);border:1px solid var(--line);}
.vm-card h3{font-size:1.4rem;margin-bottom:12px;}
.vm-card p,.vm-card li{font-size:1rem;}
.vm-vision p{color:#d7e1f6;margin:0;}
.vm-mission ul{margin:0;padding-left:1.1em;color:var(--ink-soft);}
.vm-mission li{margin-bottom:8px;}
.vm-mission li::marker{color:var(--gold);}

/* ============================================================
   WHY ZPT
   ============================================================ */
.why{
  background:
    radial-gradient(100% 80% at 90% 0%, #234c92 0%, transparent 50%),
    linear-gradient(150deg,#12203b,#0d182d);
  color:var(--cream);
}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
.why-card{
  border:1px solid rgba(255,255,255,.12);border-radius:var(--r-md);padding:30px 26px;
  background:rgba(255,255,255,.03);transition:transform .4s var(--ease),background .35s,border-color .35s;
}
.why-card:hover{transform:translateY(-7px);background:rgba(255,255,255,.06);border-color:rgba(245,184,28,.4);}
.why-num{
  font-family:var(--serif);font-weight:600;font-size:1.5rem;color:var(--gold);
  display:inline-block;margin-bottom:18px;
  border:1.5px solid rgba(245,184,28,.5);border-radius:12px;width:54px;height:54px;line-height:51px;text-align:center;
}
.why-card h3{color:var(--cream);font-size:1.24rem;margin-bottom:10px;}
.why-card p{color:#aebbd6;font-size:.95rem;margin:0;}

/* ============================================================
   LEADERSHIP
   ============================================================ */
.leadership{background:var(--cream);}
.leader-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(34px,5vw,68px);align-items:center;}
.leader-portrait{position:relative;display:flex;flex-direction:column;align-items:center;}
.portrait-frame{
  position:relative;width:min(330px,80%);aspect-ratio:4/5;border-radius:var(--r-lg);
  background:linear-gradient(155deg,var(--blue),var(--navy));
  display:grid;place-items:center;overflow:hidden;box-shadow:var(--shadow-lg);
  border:6px solid var(--white);
}
.portrait-mono{position:absolute;width:78%;opacity:.16;filter:brightness(2);}
.portrait-initials{font-family:var(--serif);font-weight:600;font-size:5rem;color:var(--gold);position:relative;letter-spacing:.02em;}
.portrait-photo{width:100%;height:100%;object-fit:cover;object-position:50% 18%;}
.leader-badge{
  margin-top:-22px;background:var(--gold);color:var(--navy);font-weight:700;
  padding:.6em 1.3em;border-radius:var(--r-pill);font-size:.9rem;box-shadow:var(--shadow-md);position:relative;z-index:2;
}
.leader-role{font-weight:700;color:var(--blue);margin:.2em 0 18px;font-size:1.05rem;}
.leader-copy>p{color:var(--ink-soft);font-size:1.08rem;font-style:italic;border-left:3px solid var(--gold);padding-left:20px;margin:0 0 26px;}
.leader-copy .section-title{margin-bottom:4px;}
.quals-label{font-weight:700;color:var(--navy);font-size:.95rem;margin:0 0 12px;}
.quals .pill-row{justify-content:flex-start;}

/* ============================================================
   UNDERWRITERS
   ============================================================ */
.underwriters{background:var(--cream-2);}
.uw-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:22px;
  max-width:960px;margin:0 auto;
}
.uw-logo{
  display:grid;place-items:center;background:var(--white);
  border:1px solid var(--line);border-radius:var(--r-md);
  padding:30px 28px;min-height:128px;box-shadow:var(--shadow-sm);
  transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .3s;
}
.uw-logo:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:var(--gold);}
.uw-logo img{
  max-height:64px;width:auto;max-width:100%;object-fit:contain;
  filter:grayscale(1);opacity:.7;
  transition:filter .4s var(--ease),opacity .4s var(--ease);
}
.uw-logo:hover img{filter:grayscale(0);opacity:1;}

/* ============================================================
   FAQ
   ============================================================ */
.faq{background:var(--white);}
.faq-list{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:14px;}
.faq-item{
  border:1px solid var(--line);border-radius:var(--r-md);background:var(--cream);
  overflow:hidden;transition:border-color .3s,box-shadow .3s,background .3s;
}
.faq-item[open]{border-color:var(--gold);background:var(--white);box-shadow:var(--shadow-md);}
.faq-item summary{
  list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;
  gap:18px;padding:22px 26px;font-family:var(--serif);font-weight:600;
  font-size:clamp(1.05rem,1.6vw,1.2rem);color:var(--navy);
  transition:color .25s;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary:hover{color:var(--blue);}
.faq-mark{position:relative;flex:0 0 22px;width:22px;height:22px;}
.faq-mark::before,.faq-mark::after{
  content:"";position:absolute;background:var(--gold);border-radius:2px;
  transition:transform .3s var(--ease);
}
.faq-mark::before{top:9.75px;left:0;width:22px;height:2.5px;}
.faq-mark::after{left:9.75px;top:0;width:2.5px;height:22px;}
.faq-item[open] .faq-mark::after{transform:scaleY(0);}
.faq-item[open] .faq-mark::before{transform:rotate(180deg);}
.faq-answer{padding:0 26px 24px;color:var(--ink-soft);font-size:1rem;}
.faq-answer p{margin:0;line-height:1.65;}
.faq-item[open] .faq-answer{animation:faqOpen .35s var(--ease);}
@keyframes faqOpen{from{opacity:0;transform:translateY(-6px);}to{opacity:1;transform:none;}}
@media (prefers-reduced-motion:reduce){.faq-item[open] .faq-answer{animation:none;}}

/* ============================================================
   CONTACT
   ============================================================ */
.contact{background:var(--white);}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(24px,3.5vw,48px);align-items:start;}
.contact-actions{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.contact-card{
  display:flex;flex-direction:column;gap:4px;
  background:var(--cream);border:1px solid var(--line);border-radius:var(--r-md);
  padding:22px;transition:transform .35s var(--ease),box-shadow .35s,border-color .3s;
}
.contact-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:var(--gold);}
.cc-ico{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--blue);margin-bottom:8px;}
.cc-ico svg{width:24px;height:24px;fill:var(--gold);}
.cc-label{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;font-weight:700;color:var(--ink-soft);}
.cc-value{font-weight:600;color:var(--navy);font-size:1rem;}

.quote-form{
  background:linear-gradient(160deg,var(--cream),var(--cream-2));
  border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(26px,3vw,40px);box-shadow:var(--shadow-md);
}
.quote-form h3{font-size:1.7rem;margin-bottom:4px;}
.form-note{color:var(--ink-soft);font-size:.95rem;margin:0 0 22px;}
.field{display:block;margin-bottom:16px;}
.field>span{display:block;font-weight:600;font-size:.88rem;color:var(--navy);margin-bottom:7px;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.field input,.field select,.field textarea{
  width:100%;font-family:var(--sans);font-size:1rem;color:var(--ink);
  padding:.8em .95em;border:1.5px solid var(--line);border-radius:var(--r-sm);
  background:var(--white);transition:border-color .25s, box-shadow .25s;
}
.field input::placeholder,.field textarea::placeholder{color:#9aa3b5;}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(31,79,163,.12);
}
.field textarea{resize:vertical;min-height:84px;}
.form-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px;}
.form-actions .btn{flex:1 1 auto;justify-content:center;}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{background:var(--navy);color:#aebbd6;padding-top:clamp(56px,7vw,84px);}
.footer-inner{display:grid;grid-template-columns:1.6fr 1fr 1.2fr;gap:40px;padding-bottom:46px;}
.footer-logo{height:48px;width:auto;background:var(--cream);padding:10px 14px;border-radius:12px;margin-bottom:18px;}
.footer-brand p{margin:0 0 18px;max-width:34ch;color:#9fadc9;}
.footer-socials{display:flex;flex-direction:column;gap:6px;}
.footer-socials a{color:#cdd7ea;font-weight:600;transition:color .2s;}
.footer-socials a:hover{color:var(--gold);}
.footer-col h4{color:var(--cream);font-family:var(--sans);font-weight:700;font-size:.92rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px;}
.footer-col a,.footer-addr{display:block;color:#9fadc9;margin-bottom:10px;transition:color .2s;font-size:.96rem;}
.footer-col a:hover{color:var(--gold);}
.footer-legal{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;padding-bottom:30px;}
.footer-legal p{margin:0 0 6px;font-size:.86rem;color:#8593b0;}
.footer-legal .copyright{margin-top:12px;color:#6f7d9c;}

/* ============================================================
   REVEAL ANIMATION
   ============================================================ */
[data-reveal]{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease);}
[data-reveal].is-visible{opacity:1;transform:none;}
[data-reveal-delay="1"]{transition-delay:.08s;}
[data-reveal-delay="2"]{transition-delay:.16s;}
[data-reveal-delay="3"]{transition-delay:.24s;}
[data-reveal-delay="4"]{transition-delay:.32s;}
.service-grid [data-reveal]:nth-child(2){transition-delay:.06s;}
.service-grid [data-reveal]:nth-child(3){transition-delay:.12s;}
.service-grid [data-reveal]:nth-child(4){transition-delay:.18s;}
.why-grid [data-reveal]:nth-child(2){transition-delay:.08s;}
.why-grid [data-reveal]:nth-child(3){transition-delay:.16s;}
.why-grid [data-reveal]:nth-child(4){transition-delay:.24s;}
@media (prefers-reduced-motion:reduce){
  [data-reveal]{opacity:1;transform:none;transition:none;}
  .hero-monogram{animation:none;}
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width:980px){
  .service-grid,.why-grid,.uw-grid{grid-template-columns:repeat(2,1fr);}
  .about-grid,.leader-grid{grid-template-columns:1fr;}
  .leader-portrait{order:-1;}
  .contact-grid{grid-template-columns:1fr;}
  .footer-inner{grid-template-columns:1fr 1fr;}
  .footer-brand{grid-column:1/-1;}
}

@media (max-width:920px){
  .nav{
    position:fixed;inset:78px 0 auto 0;flex-direction:column;align-items:stretch;gap:0;
    background:var(--cream);border-bottom:1px solid var(--line);box-shadow:var(--shadow-lg);
    padding:14px clamp(20px,5vw,40px) 26px;
    transform:translateY(-130%);transition:transform .4s var(--ease);
  }
  .nav.open{transform:translateY(0);}
  .nav a{padding:14px 0;border-bottom:1px solid var(--line);font-size:1.05rem;}
  .nav a:last-child{border-bottom:none;}
  .nav-cta{margin-top:12px;justify-content:center;}
  .nav-toggle{display:flex;}
}

/* Stack call-to-action buttons full-width on phones so they align cleanly */
@media (max-width:620px){
  .hero-actions{flex-direction:column;align-items:stretch;}
  .hero-actions .btn{width:100%;justify-content:center;}
  .form-actions{flex-direction:column;}
  .form-actions .btn{width:100%;}
}

@media (max-width:540px){
  .service-grid,.why-grid,.contact-actions,.field-row{grid-template-columns:1fr;}
  .footer-inner{grid-template-columns:1fr;}
  .hero-trust{font-size:.88rem;}
}