/* ============================================================
   Premier Final Expense — Main Stylesheet
   Editorial redesign. Palette:
     Warm Ivory      #F7F5F0
     Pure White      #FFFFFF
     Deep Ink Navy   #18243A
     Muted Sage      #718478
     Champagne       #B79A63
     Stone Border    #E9E6DF
     Charcoal        #252A2E
     Secondary Text  #6B6F70
   ============================================================ */

:root {
    --ivory:        #F7F5F0;
    --white:        #FFFFFF;
    --ink:          #18243A;
    --sage:         #718478;
    --sage-soft:    #EDEFEA;
    --sage-tint:    #F3F5F2;
    --champagne:    #B79A63;
    --champagne-soft:#EFE8DA;
    --stone:        #E9E6DF;
    --charcoal:     #252A2E;
    --text-secondary:#6B6F70;

    --shadow-soft:  0 1px 2px rgba(24,36,58,0.04), 0 20px 40px -28px rgba(24,36,58,0.18);
    --shadow-card:  0 1px 0 rgba(24,36,58,0.04), 0 30px 60px -34px rgba(24,36,58,0.18);
    --shadow-cta:   0 12px 28px -16px rgba(24,36,58,0.38);

    --radius-sm:    10px;
    --radius-md:    14px;
    --radius-lg:    18px;
    --radius-xl:    22px;

    --header-h:     78px;
    --header-h-sticky: 66px;

    --ease-standard: cubic-bezier(0.22, 1, 0.36, 1);
    --t-fast:       160ms;
    --t-med:        260ms;
    --t-slow:       420ms;
}

/* ---------- RESET + BASE ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    font-size: 16px;
    line-height: 1.65;
    color: var(--charcoal);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
    font-feature-settings: "ss01", "ss02";
}
img { max-width: 100%; height: auto; display: block; }
button { font-family: inherit; cursor: pointer; border: 0; background: transparent; }
input, select, textarea, button { font-family: inherit; font-size: inherit; color: inherit; }
a { color: inherit; text-decoration: none; transition: color var(--t-fast) var(--ease-standard); }
a:hover { color: var(--ink); }

h1, h2, h3, h4, h5, h6 {
    margin: 0 0 0.5em;
    font-family: 'Newsreader', Georgia, 'Times New Roman', serif;
    font-weight: 500;
    color: var(--ink);
    letter-spacing: 0;
    line-height: 1.15;
}
p { margin: 0 0 1.05em; color: var(--charcoal); }
ul, ol { padding-left: 1.25em; margin: 0 0 1em; }
li { margin-bottom: 0.4em; }
hr { border: 0; border-top: 1px solid var(--stone); margin: 2em 0; }
::selection { background: var(--sage-soft); color: var(--ink); }

/* Screen reader */
.screen-reader-text {
    position: absolute !important;
    width: 1px; height: 1px;
    padding: 0; margin: -1px;
    overflow: hidden;
    clip: rect(0,0,0,0);
    white-space: nowrap; border: 0;
}
.skip-link {
    position: absolute; left: -9999px; top: 0;
    background: var(--ink); color: #fff; padding: 8px 16px; z-index: 99999;
}
.skip-link:focus { left: 8px; top: 8px; }

/* ---------- TYPOGRAPHY HELPERS ---------- */
.pfe-serif { font-family: 'Newsreader', Georgia, serif; }
.pfe-body  { font-family: 'Manrope', sans-serif; }

/* ---------- CONTAINER ---------- */
.pfe-container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
}
@media (min-width: 1280px) { .pfe-container { max-width: 1200px; padding: 0 32px; } }

/* ============================================================
   BUTTONS
   ============================================================ */
.pfe-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    height: 52px;
    padding: 0 26px;
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 600;
    letter-spacing: 0.035em;
    line-height: 1;
    text-align: center;
    white-space: nowrap;
    transition: transform var(--t-fast) var(--ease-standard),
                background-color var(--t-fast) var(--ease-standard),
                color var(--t-fast) var(--ease-standard),
                border-color var(--t-fast) var(--ease-standard),
                box-shadow var(--t-fast) var(--ease-standard);
    cursor: pointer;
    user-select: none;
    text-decoration: none;
    text-transform: uppercase;
}
.pfe-btn:focus-visible {
    outline: none;
    box-shadow: 0 0 0 3px rgba(113,132,120,0.35);
}

.pfe-btn--primary {
    background: var(--ink);
    color: var(--white);
    border: 1px solid var(--ink);
    box-shadow: 0 8px 22px -14px rgba(24,36,58,0.55);
}
.pfe-btn--primary:hover {
    background: #22344F;
    border-color: #22344F;
    color: var(--white);
    transform: translateY(-1px);
    box-shadow: 0 14px 30px -16px rgba(24,36,58,0.62);
}
.pfe-btn--primary:active { transform: translateY(0); }

.pfe-btn--ghost {
    background: transparent;
    color: var(--ink);
    border: 1px solid var(--stone);
}
.pfe-btn--ghost:hover,
.pfe-btn--ghost:focus-visible {
    border-color: var(--ink);
    background: var(--white);
    color: var(--ink);
    transform: translateY(-1px);
}

.pfe-btn--sage {
    background: var(--sage);
    color: var(--white);
    border: 1px solid var(--sage);
}
.pfe-btn--sm { height: 42px; padding: 0 20px; font-size: 12.5px; letter-spacing: 0.05em; border-radius: 8px; }
.pfe-btn--lg { height: 56px; padding: 0 30px; font-size: 14.5px; }

.pfe-btn[disabled],
.pfe-btn.is-disabled {
    opacity: 0.55;
    cursor: not-allowed;
    pointer-events: none;
    transform: none !important;
    box-shadow: none !important;
}

/* ============================================================
   HEADER
   ============================================================ */
.pfe-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255,255,255,0.88);
    -webkit-backdrop-filter: saturate(180%) blur(14px);
    backdrop-filter: saturate(180%) blur(14px);
    color: var(--ink);
    border-bottom: 1px solid var(--stone);
    transition: height var(--t-med) var(--ease-standard),
                background-color var(--t-med) var(--ease-standard),
                box-shadow var(--t-med) var(--ease-standard),
                border-color var(--t-med) var(--ease-standard);
    animation: pfe-fadeDown 350ms var(--ease-standard) both;
}
.pfe-header.is-sticky-scrolled {
    box-shadow: 0 1px 0 rgba(24,36,58,0.04), 0 18px 40px -28px rgba(24,36,58,0.14);
    border-color: rgba(233,230,223,0.7);
}
.pfe-header__inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 28px;
    height: var(--header-h);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    transition: height var(--t-med) var(--ease-standard);
}
.pfe-header.is-sticky-scrolled .pfe-header__inner { height: var(--header-h-sticky); }

.pfe-header__brand {
    display: inline-flex;
    align-items: center;
    flex-shrink: 0;
    position: relative;
    padding: 4px 0;
}
.pfe-header__logo {
    display: block;
    width: 222px;
    height: auto;
    max-height: 45px;
}
.pfe-header__brand:hover .pfe-header__logo { opacity: 0.86; }

/* Nav */
.pfe-nav { display: flex; align-items: center; gap: 22px; flex: 1 1 auto; justify-content: flex-end; }

.pfe-nav__list {
    display: flex;
    align-items: center;
    gap: 2px;
    list-style: none;
    padding: 0; margin: 0;
}
.pfe-nav__list .menu-item a,
.pfe-nav__list > li > a {
    position: relative;
    display: inline-block;
    padding: 10px 14px;
    color: var(--ink);
    font-size: 14px;
    font-weight: 500;
    letter-spacing: 0.01em;
    border-radius: 6px;
    transition: color var(--t-fast) var(--ease-standard),
                background var(--t-fast) var(--ease-standard);
}
.pfe-nav__list .menu-item a::after,
.pfe-nav__list > li > a::after {
    content: "";
    position: absolute;
    left: 14px; right: 14px; bottom: 6px;
    height: 1px;
    background: currentColor;
    transform: scaleX(0);
    transform-origin: left center;
    transition: transform var(--t-med) var(--ease-standard),
                opacity var(--t-fast) var(--ease-standard);
    opacity: 0.6;
    color: var(--sage);
}
.pfe-nav__list .menu-item a:hover,
.pfe-nav__list > li > a:hover {
    color: var(--sage);
    background: transparent;
}
.pfe-nav__list .menu-item a:hover::after,
.pfe-nav__list > li > a:hover::after {
    transform: scaleX(1);
    color: var(--champagne);
}
.pfe-nav__list .menu-item a:focus-visible,
.pfe-nav__list > li > a:focus-visible {
    outline: none;
    color: var(--ink);
    background: var(--sage-soft);
}

.pfe-nav__cta-wrap {
    display: flex;
    align-items: center;
    gap: 18px;
    padding-left: 18px;
    margin-left: 2px;
    border-left: 1px solid var(--stone);
}
.pfe-nav__phone {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    line-height: 1.2;
    color: var(--ink);
}
.pfe-nav__phone-label {
    font-size: 10.5px;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--text-secondary);
    margin-bottom: 2px;
    font-weight: 600;
}
.pfe-nav__phone-number {
    font-family: 'Manrope', sans-serif;
    font-size: 14.5px;
    font-weight: 600;
    color: var(--ink);
}
.pfe-nav__phone:hover .pfe-nav__phone-number { color: var(--sage); }

.pfe-nav__quote { flex-shrink: 0; }

.pfe-nav__toggle {
    display: none;
    width: 44px; height: 44px;
    background: transparent;
    border: 1px solid var(--stone);
    border-radius: 8px;
    align-items: center;
    justify-content: center;
    padding: 0;
}
.pfe-nav__toggle:hover { border-color: var(--ink); }
.pfe-nav__toggle:focus-visible {
    outline: none;
    border-color: var(--sage);
    box-shadow: 0 0 0 3px rgba(113,132,120,0.25);
}
.pfe-nav__hamburger {
    display: inline-block;
    width: 18px; height: 14px;
    position: relative;
}
.pfe-nav__hamburger span {
    display: block;
    position: absolute;
    left: 0; right: 0;
    height: 1.6px;
    background: var(--ink);
    border-radius: 2px;
    transition: transform 220ms var(--ease-standard), opacity 160ms ease, top 220ms var(--ease-standard);
}
.pfe-nav__hamburger span:nth-child(1) { top: 0; }
.pfe-nav__hamburger span:nth-child(2) { top: 6px; }
.pfe-nav__hamburger span:nth-child(3) { top: 12px; }
.pfe-nav.is-open .pfe-nav__hamburger span:nth-child(1) { top: 6px; transform: rotate(45deg); }
.pfe-nav.is-open .pfe-nav__hamburger span:nth-child(2) { opacity: 0; }
.pfe-nav.is-open .pfe-nav__hamburger span:nth-child(3) { top: 6px; transform: rotate(-45deg); }

/* ============================================================
   HERO — EDITORIAL RECOMPOSITION
   ============================================================ */
.pfe-hero {
    position: relative;
    background:
        linear-gradient(180deg, var(--ivory) 0%, #FBF9F5 60%, var(--white) 100%);
    padding: 70px 0 88px;
    border-bottom: 1px solid var(--stone);
    overflow: hidden;
}
.pfe-hero::before {
    content: "";
    position: absolute;
    top: 120px;
    right: 0;
    width: 34%;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(183,154,99,0.42));
    pointer-events: none;
}
.pfe-hero::after {
    content: "";
    position: absolute;
    left: 0; right: 0; bottom: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--champagne) 50%, transparent);
    opacity: 0.35;
}
.pfe-hero__inner {
    position: relative;
    display: grid;
    grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
    gap: 56px;
    align-items: start;
}

/* Hero left — editorial copy */
.pfe-hero__content {
    position: relative;
    z-index: 2;
    padding-top: 28px;
    max-width: 520px;
}
.pfe-hero__headline {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 52px;
    line-height: 1.08;
    color: var(--ink);
    margin-bottom: 24px;
    letter-spacing: 0;
    animation: pfe-fadeUp 500ms var(--ease-standard) both;
    animation-delay: 140ms;
}
.pfe-hero__headline em,
.pfe-hero__headline .pfe-headline-line2 {
    display: block;
    color: var(--ink);
    position: relative;
}
.pfe-hero__headline .pfe-headline-line2::before {
    content: "";
    display: block;
    width: 40px;
    height: 1px;
    background: var(--champagne);
    margin: 0 0 22px 2px;
}
.pfe-hero__lead {
    font-size: 17px;
    line-height: 1.7;
    color: var(--charcoal);
    margin-bottom: 10px;
    max-width: 480px;
    animation: pfe-fadeUp 500ms var(--ease-standard) both;
    animation-delay: 220ms;
}
.pfe-hero__sub {
    font-family: 'Newsreader', Georgia, serif;
    font-style: italic;
    font-size: 17px;
    line-height: 1.5;
    color: var(--text-secondary);
    margin-bottom: 32px;
    max-width: 460px;
    animation: pfe-fadeUp 500ms var(--ease-standard) both;
    animation-delay: 280ms;
}
.pfe-hero__sub::before {
    content: "";
    display: inline-block;
    width: 22px;
    height: 1px;
    background: var(--sage);
    vertical-align: middle;
    margin-right: 10px;
    opacity: 0.8;
}

/* Hero right — image + form composition */
.pfe-hero__quote {
    position: relative;
    z-index: 2;
    min-height: 640px;
    animation: pfe-fadeRight 550ms var(--ease-standard) both;
    animation-delay: 180ms;
}
.pfe-hero__photo-frame {
    position: absolute;
    top: 0;
    right: 0;
    width: 73%;
    height: 88%;
    border-radius: 0 var(--radius-xl) 0 var(--radius-xl);
    overflow: hidden;
    box-shadow: 0 40px 80px -40px rgba(24,36,58,0.30);
    border: 1px solid rgba(233,230,223,0.9);
    animation: pfe-heroImg 700ms var(--ease-standard) both;
    animation-delay: 80ms;
    background: var(--ivory);
}
.pfe-hero__photo-frame::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(247,245,240,0.0) 40%, rgba(247,245,240,0.18) 100%);
    pointer-events: none;
}
.pfe-hero__photo-frame img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transform: scale(1.025);
    transition: transform 800ms var(--ease-standard);
}
.pfe-hero__photo-frame:hover img { transform: scale(1.05); }

.pfe-hero__photo-accent {
    position: absolute;
    top: 32px;
    left: 0;
    width: 34%;
    height: 58%;
    border: 1px solid var(--stone);
    border-radius: var(--radius-lg);
    z-index: 0;
    background:
        linear-gradient(180deg, rgba(113,132,120,0.06) 0%, rgba(255,255,255,0) 100%);
}
.pfe-hero__photo-accent::before {
    content: "";
    position: absolute;
    top: -1px; right: -1px;
    width: 26px; height: 26px;
    border-top: 1px solid var(--champagne);
    border-right: 1px solid var(--champagne);
    opacity: 0.7;
}

/* Quote form — layered elegantly */
.pfe-hero__quote .pfe-quote-card {
    position: relative;
    z-index: 3;
    width: 78%;
    margin-top: 160px;
    margin-left: 0;
}

/* ============================================================
   QUOTE FORM / CARD
   ============================================================ */
.pfe-quote-card {
    background: var(--white);
    border: 1px solid var(--stone);
    border-radius: var(--radius-lg);
    padding: 30px 28px 28px;
    box-shadow: var(--shadow-card);
    position: relative;
}
.pfe-quote-card::before {
    content: "";
    position: absolute;
    top: 0; left: 32px;
    width: 28px; height: 2px;
    background: var(--champagne);
    opacity: 0.8;
}
.pfe-quote-card__head { margin-bottom: 24px; }
.pfe-quote-card__title {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 23px;
    line-height: 1.2;
    color: var(--ink);
    margin-bottom: 6px;
    letter-spacing: 0;
}
.pfe-quote-card__sub {
    font-size: 14px;
    color: var(--text-secondary);
    margin: 0;
    line-height: 1.5;
}

/* Progress */
.pfe-progress {
    margin-top: 20px;
    height: 2px;
    background: var(--stone);
    border-radius: 99px;
    overflow: hidden;
    position: relative;
}
.pfe-progress__bar {
    height: 100%;
    width: 16.6667%;
    background: var(--sage);
    border-radius: 99px;
    transition: width 200ms var(--ease-standard);
    position: relative;
}
.pfe-progress__bar::after {
    content: "";
    position: absolute;
    right: -2px; top: 50%;
    width: 6px; height: 6px;
    background: var(--sage);
    border-radius: 50%;
    transform: translateY(-50%);
    box-shadow: 0 0 0 4px rgba(113,132,120,0.15);
}
.pfe-progress__meta {
    margin-top: 12px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.pfe-progress__step-label {
    font-size: 11.5px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--sage);
}

/* Form steps */
.pfe-quote-form { margin: 0; }
.pfe-step {
    display: none;
    border: 0;
    padding: 0;
    margin: 0;
    animation: pfe-stepIn 200ms var(--ease-standard) both;
}
.pfe-step--active { display: block; }
@keyframes pfe-stepIn {
    from { opacity: 0; transform: translateX(10px); }
    to   { opacity: 1; transform: none; }
}

.pfe-step__q {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 20px;
    color: var(--ink);
    margin: 0 0 6px;
    padding: 0;
    letter-spacing: 0;
    line-height: 1.25;
}
.pfe-step__hint {
    font-size: 13.5px;
    color: var(--text-secondary);
    margin: 0 0 20px;
}
.pfe-step__actions {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    margin-top: 24px;
}
.pfe-step__actions--single { justify-content: flex-start; }
.pfe-step__actions--single .pfe-btn { width: 100%; }
.pfe-step__actions .pfe-btn--back { flex: 0 0 auto; min-width: 108px; }
.pfe-step__actions .pfe-btn--next,
.pfe-step__actions .pfe-btn--submit { flex: 1 1 auto; }

/* Fields */
.pfe-field { display: block; margin-bottom: 16px; }
.pfe-field--block { display: block; width: 100%; }
.pfe-field--full { grid-column: 1 / -1; margin-bottom: 16px; }
.pfe-field__label {
    display: block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-secondary);
    margin-bottom: 8px;
}
.pfe-req { color: var(--champagne); font-weight: 700; }

.pfe-input, .pfe-select {
    width: 100%;
    height: 56px;
    padding: 0 18px;
    font-size: 15px;
    font-weight: 500;
    color: var(--ink);
    background: var(--white);
    border: 1px solid var(--stone);
    border-radius: var(--radius-sm);
    transition: border-color var(--t-fast) var(--ease-standard),
                box-shadow var(--t-fast) var(--ease-standard),
                background var(--t-fast) var(--ease-standard);
    appearance: none;
    -webkit-appearance: none;
    line-height: 1.2;
}
.pfe-input::placeholder { color: #B6BCB8; }
.pfe-select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='7' viewBox='0 0 10 7'%3E%3Cpath fill='%23718478' d='M5 6.7L.3.9l.9-.9L5 4.9 8.8 0l.9.9z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 18px center;
    padding-right: 44px;
}
.pfe-input:hover, .pfe-select:hover { border-color: #D7D3CA; }
.pfe-input:focus, .pfe-select:focus {
    outline: none;
    border-color: var(--sage);
    background: #FCFBF9;
    box-shadow: 0 0 0 4px rgba(113,132,120,0.12);
}
.pfe-input[aria-invalid="true"], .pfe-select[aria-invalid="true"] {
    border-color: #B65A4C;
    box-shadow: 0 0 0 4px rgba(182,90,76,0.10);
    background: #FDF5F3;
}

/* Choice grids */
.pfe-choice-grid {
    display: grid;
    gap: 10px;
}
.pfe-choice-grid--2 { grid-template-columns: repeat(2, 1fr); }
.pfe-choice-grid--3 { grid-template-columns: repeat(3, 1fr); }
.pfe-choice-grid--stack { grid-template-columns: 1fr; }
.pfe-choice { display: block; cursor: pointer; position: relative; }
.pfe-choice input {
    position: absolute;
    left: 0; top: 0;
    opacity: 0;
    width: 0; height: 0;
    pointer-events: none;
}
.pfe-choice__ui {
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 54px;
    padding: 10px 14px;
    background: var(--white);
    border: 1px solid var(--stone);
    border-radius: var(--radius-sm);
    transition: border-color var(--t-fast) var(--ease-standard),
                background-color var(--t-fast) var(--ease-standard),
                color var(--t-fast) var(--ease-standard),
                box-shadow var(--t-fast) var(--ease-standard),
                transform var(--t-fast) var(--ease-standard);
    text-align: center;
    position: relative;
}
.pfe-choice--wide .pfe-choice__ui { justify-content: flex-start; text-align: left; }
.pfe-choice__text {
    font-size: 14.5px;
    font-weight: 500;
    color: var(--charcoal);
    transition: color var(--t-fast) var(--ease-standard);
}
.pfe-choice:hover .pfe-choice__ui {
    border-color: var(--sage);
    background: var(--sage-tint);
}
.pfe-choice input:checked + .pfe-choice__ui {
    border-color: var(--sage);
    background: var(--sage-soft);
    box-shadow: inset 0 0 0 1px rgba(113,132,120,0.25);
}
.pfe-choice input:checked + .pfe-choice__ui .pfe-choice__text {
    color: var(--ink);
    font-weight: 600;
}
.pfe-choice input:checked + .pfe-choice__ui::before {
    content: "";
    position: absolute;
    left: 10px; top: 50%;
    width: 5px; height: 20px;
    border-left: 2px solid var(--sage);
    transform: translateY(-50%);
    border-radius: 2px;
    opacity: 0.8;
}
.pfe-choice input:focus-visible + .pfe-choice__ui {
    box-shadow: 0 0 0 3px rgba(113,132,120,0.25);
}

/* Contact field grid */
.pfe-field-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0 14px;
    margin-bottom: 18px;
}

/* Consent */
.pfe-consent {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 16px 18px;
    background: var(--ivory);
    border: 1px solid var(--stone);
    border-radius: var(--radius-sm);
    margin-bottom: 18px;
    cursor: pointer;
    user-select: none;
    transition: border-color var(--t-fast) var(--ease-standard),
                background var(--t-fast) var(--ease-standard);
}
.pfe-consent:hover { border-color: rgba(113,132,120,0.45); background: #FBFAF7; }
.pfe-consent input {
    position: absolute;
    opacity: 0;
    width: 0; height: 0;
    pointer-events: none;
}
.pfe-consent__box {
    flex-shrink: 0;
    width: 20px; height: 20px;
    margin-top: 2px;
    background: var(--white);
    border: 1.5px solid #C9C3B6;
    border-radius: 4px;
    position: relative;
    transition: background var(--t-fast) var(--ease-standard),
                border-color var(--t-fast) var(--ease-standard);
}
.pfe-consent__box::after {
    content: "";
    position: absolute;
    left: 5.5px; top: 1.5px;
    width: 6px; height: 11px;
    border: solid var(--white);
    border-width: 0 1.8px 1.8px 0;
    transform: rotate(45deg) scale(0.6);
    opacity: 0;
    transition: opacity var(--t-fast) var(--ease-standard),
                transform var(--t-fast) var(--ease-standard);
}
.pfe-consent input:checked + .pfe-consent__box {
    background: var(--sage);
    border-color: var(--sage);
}
.pfe-consent input:checked + .pfe-consent__box::after { opacity: 1; transform: rotate(45deg) scale(1); }
.pfe-consent input:focus-visible + .pfe-consent__box {
    box-shadow: 0 0 0 3px rgba(113,132,120,0.22);
}
.pfe-consent__text {
    font-size: 13px;
    line-height: 1.6;
    color: #3A3E40;
}
.pfe-consent__text a {
    color: var(--ink);
    font-weight: 600;
    text-decoration: underline;
    text-decoration-thickness: 1px;
    text-underline-offset: 2px;
    text-decoration-color: var(--champagne);
}
.pfe-consent__text a:hover { color: var(--sage); }
.pfe-consent[aria-invalid="true"] {
    border-color: #B65A4C;
    background: #FDF5F3;
}

/* Message */
.pfe-form__msg {
    margin-top: 14px;
    padding: 12px 14px;
    font-size: 13.5px;
    border-radius: 8px;
    display: none;
    line-height: 1.5;
}
.pfe-form__msg.is-error {
    display: block;
    background: #FDF5F3;
    color: #8A3B2F;
    border: 1px solid #F1C9C1;
}
.pfe-form__msg.is-success {
    display: block;
    background: var(--sage-soft);
    color: #3F5245;
    border: 1px solid #C9D8CD;
}

.pfe-hero__image {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* Result panels */
.pfe-result {
    padding: 20px 2px 6px;
    animation: pfe-stepIn 280ms var(--ease-standard) both;
}
.pfe-result__title {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 22px;
    color: var(--ink);
    margin-bottom: 12px;
    line-height: 1.22;
    position: relative;
    padding-top: 14px;
}
.pfe-result__title::before {
    content: "";
    display: block;
    width: 36px;
    height: 2px;
    background: var(--sage);
    position: absolute;
    top: 0; left: 0;
}
.pfe-result__title--error::before { background: #B65A4C; }
.pfe-result__title--error { color: #8A3B2F; }
.pfe-result__text {
    font-size: 14.5px;
    line-height: 1.65;
    color: var(--charcoal);
    margin-bottom: 10px;
}
.pfe-result__text--emphasis {
    font-family: 'Newsreader', Georgia, serif;
    font-style: italic;
    color: var(--sage);
    font-size: 15.5px;
}

/* ============================================================
   SECTION HEADERS + GENERAL SPACING
   ============================================================ */
.pfe-section__title {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 34px;
    color: var(--ink);
    margin-bottom: 14px;
    line-height: 1.2;
    letter-spacing: 0;
    position: relative;
}
.pfe-section__title--center {
    text-align: center;
    margin-bottom: 54px;
}
.pfe-section__title--center::before {
    content: "";
    display: block;
    width: 36px;
    height: 1px;
    background: var(--champagne);
    margin: 0 auto 18px;
}

/* ============================================================
   ABOUT SECTION — ASYMMETRIC EDITORIAL
   ============================================================ */
.pfe-about {
    padding: 100px 0;
    background: var(--white);
    position: relative;
}
.pfe-about__inner {
    display: grid;
    grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
    gap: 80px;
    align-items: center;
    direction: rtl;
}
.pfe-about__inner > * { direction: ltr; }

.pfe-about__copy { max-width: 480px; margin-left: auto; }
.pfe-about__copy .pfe-section__title::before {
    content: "";
    display: block;
    width: 40px;
    height: 1px;
    background: var(--champagne);
    margin-bottom: 20px;
}
.pfe-about__lead {
    font-size: 18px;
    line-height: 1.7;
    color: var(--charcoal);
    margin-bottom: 16px;
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 400;
}
.pfe-about__p {
    font-size: 15.5px;
    color: var(--text-secondary);
    line-height: 1.75;
    margin-bottom: 28px;
}
.pfe-about__copy .pfe-text-cta {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-family: 'Manrope', sans-serif;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--ink);
    padding-bottom: 6px;
    border-bottom: 1px solid var(--stone);
    transition: color var(--t-fast) var(--ease-standard), border-color var(--t-fast) var(--ease-standard), gap var(--t-fast) var(--ease-standard);
}
.pfe-about__copy .pfe-text-cta::after {
    content: "→";
    font-size: 15px;
    color: var(--champagne);
    transition: transform var(--t-fast) var(--ease-standard);
}
.pfe-about__copy .pfe-text-cta:hover {
    color: var(--sage);
    border-color: var(--sage);
    gap: 14px;
}

.pfe-about__image {
    position: relative;
    border-radius: 0 var(--radius-xl) 0 var(--radius-xl);
    overflow: hidden;
    aspect-ratio: 5 / 4;
    box-shadow: 0 40px 80px -40px rgba(24,36,58,0.25);
    border: 1px solid var(--stone);
}
.pfe-about__image::before {
    content: "";
    position: absolute;
    z-index: 2;
    inset: 18px;
    border: 1px solid rgba(183,154,99,0.4);
    border-radius: 0 calc(var(--radius-xl) - 18px) 0 calc(var(--radius-xl) - 18px);
    pointer-events: none;
}
.pfe-about__image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transform: scale(1.02);
    transition: transform 700ms var(--ease-standard);
}
.pfe-about__image:hover img { transform: scale(1.055); }

/* ============================================================
   BENEFITS — 3 COLUMNS WITH VERTICAL DIVIDERS
   ============================================================ */
.pfe-benefits {
    padding: 96px 0;
    background: var(--ivory);
    border-top: 1px solid var(--stone);
    border-bottom: 1px solid var(--stone);
    position: relative;
}
.pfe-benefits__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    position: relative;
}
.pfe-benefit {
    padding: 36px 44px;
    position: relative;
}
.pfe-benefit + .pfe-benefit::before {
    content: "";
    position: absolute;
    left: 0;
    top: 20%; bottom: 20%;
    width: 1px;
    background: var(--stone);
}
.pfe-benefit__num {
    font-family: 'Newsreader', Georgia, serif;
    font-style: italic;
    font-size: 15px;
    color: var(--champagne);
    letter-spacing: 0.08em;
    margin-bottom: 14px;
    display: inline-flex;
    align-items: center;
    gap: 12px;
}
.pfe-benefit__num::after {
    content: "";
    width: 28px; height: 1px;
    background: var(--champagne);
    opacity: 0.6;
}
.pfe-benefit__title {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 22px;
    color: var(--ink);
    margin-bottom: 12px;
    line-height: 1.25;
}
.pfe-benefit__text {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.7;
    margin: 0;
}

/* ============================================================
   HOW IT WORKS — HORIZONTAL TIMELINE
   ============================================================ */
.pfe-how { padding: 100px 0; background: var(--white); position: relative; }
.pfe-how__grid {
    position: relative;
    list-style: none;
    padding: 40px 0 0;
    margin: 0;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
}
.pfe-how__grid::before {
    content: "";
    position: absolute;
    top: 56px;
    left: 12%;
    right: 12%;
    height: 1px;
    background: var(--stone);
    z-index: 0;
}
.pfe-how__grid::after {
    content: "";
    position: absolute;
    top: 56px;
    left: 12%;
    width: 0;
    height: 1px;
    background: linear-gradient(90deg, var(--sage), var(--champagne));
    z-index: 1;
    transition: width 1.2s var(--ease-standard);
}
.pfe-how__grid.is-in-view::after { width: 76%; }

.pfe-how__step {
    position: relative;
    z-index: 2;
    background: var(--white);
    text-align: center;
    padding: 0 18px 8px;
}
.pfe-how__num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 58px; height: 58px;
    border-radius: 50%;
    background: var(--white);
    border: 1px solid var(--stone);
    color: var(--ink);
    font-family: 'Newsreader', Georgia, serif;
    font-size: 18px;
    font-weight: 600;
    margin-bottom: 22px;
    position: relative;
    transition: border-color 400ms var(--ease-standard),
                color 400ms var(--ease-standard),
                box-shadow 400ms var(--ease-standard);
}
.pfe-how__grid.is-in-view .pfe-how__num {
    border-color: var(--sage);
    color: var(--ink);
    box-shadow: 0 0 0 6px var(--sage-soft);
}
.pfe-how__num::after {
    content: "";
    position: absolute;
    inset: 6px;
    border: 1px dashed rgba(183,154,99,0.35);
    border-radius: 50%;
}
.pfe-how__heading {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 21px;
    color: var(--ink);
    margin-bottom: 8px;
    line-height: 1.3;
}
.pfe-how__text {
    font-size: 14.5px;
    color: var(--text-secondary);
    line-height: 1.7;
    margin: 0 auto;
    max-width: 290px;
}

/* ============================================================
   PLANNING SECTION — CTA IMAGE BAND
   ============================================================ */
.pfe-planning {
    padding: 96px 0;
    background: var(--ivory);
    border-top: 1px solid var(--stone);
    border-bottom: 1px solid var(--stone);
}
.pfe-planning__inner {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
    gap: 64px;
    align-items: center;
}
.pfe-planning__image {
    border-radius: var(--radius-xl) 0 var(--radius-xl) 0;
    overflow: hidden;
    aspect-ratio: 5 / 3;
    border: 1px solid var(--stone);
    box-shadow: 0 40px 80px -40px rgba(24,36,58,0.22);
}
.pfe-planning__image img {
    width: 100%; height: 100%; object-fit: cover;
    object-position: center 72%;
    transform: scale(1.02);
    transition: transform 700ms var(--ease-standard);
}
.pfe-planning__image:hover img { transform: scale(1.05); }
.pfe-planning__copy .pfe-section__title::before {
    content: "";
    display: block;
    width: 38px; height: 1px;
    background: var(--champagne);
    margin-bottom: 20px;
}
.pfe-planning__text {
    font-family: 'Newsreader', Georgia, serif;
    font-size: 18px;
    line-height: 1.75;
    color: var(--charcoal);
    margin-bottom: 28px;
    max-width: 460px;
}

/* ============================================================
   FAQ — MINIMAL ACCORDION ROWS, NO CARDS
   ============================================================ */
.pfe-faq { padding: 100px 0; background: var(--white); }
.pfe-faq__list {
    max-width: 860px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    border-top: 1px solid var(--stone);
}
.pfe-faq__item {
    border-bottom: 1px solid var(--stone);
    transition: background var(--t-fast) var(--ease-standard);
}
.pfe-faq__item:hover { background: #FBFAF7; }
.pfe-faq__item.is-open { background: transparent; }

.pfe-faq__q {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    width: 100%;
    text-align: left;
    padding: 24px 4px;
    background: transparent;
    border: 0;
    color: var(--ink);
}
.pfe-faq__q-text {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 18.5px;
    color: var(--ink);
    line-height: 1.35;
    letter-spacing: 0;
    transition: color var(--t-fast) var(--ease-standard);
    text-align: left;
    flex: 1 1 auto;
}
.pfe-faq__q:hover { background: transparent; }
.pfe-faq__q:hover .pfe-faq__q-text { color: var(--sage); }
.pfe-faq__q:focus-visible {
    outline: none;
    background: var(--sage-soft);
    padding-left: 14px;
    padding-right: 14px;
    border-radius: 6px;
    margin: 4px -14px;
}
.pfe-faq__item.is-open .pfe-faq__q-text { color: var(--ink); }

.pfe-faq__toggle {
    position: relative;
    width: 30px; height: 30px;
    flex-shrink: 0;
    border-radius: 50%;
    background: var(--ivory);
    border: 1px solid var(--stone);
    transition: transform 220ms var(--ease-standard),
                background 220ms var(--ease-standard),
                border-color 220ms var(--ease-standard);
}
.pfe-faq__toggle::before,
.pfe-faq__toggle::after {
    content: "";
    position: absolute;
    background: var(--ink);
    border-radius: 1px;
    top: 50%; left: 50%;
    transform: translate(-50%, -50%);
    transition: transform 220ms var(--ease-standard),
                opacity 180ms ease,
                background 180ms ease;
}
.pfe-faq__toggle::before { width: 11px; height: 1.4px; }
.pfe-faq__toggle::after  { width: 1.4px; height: 11px; }
.pfe-faq__item.is-open .pfe-faq__toggle {
    background: var(--ink);
    border-color: var(--ink);
}
.pfe-faq__item.is-open .pfe-faq__toggle::before,
.pfe-faq__item.is-open .pfe-faq__toggle::after { background: var(--white); }
.pfe-faq__item.is-open .pfe-faq__toggle::after {
    transform: translate(-50%, -50%) scale(0.2);
    opacity: 0;
}

.pfe-faq__a {
    padding: 0 4px 26px 4px;
    overflow: hidden;
    transition: opacity 220ms var(--ease-standard),
                max-height 260ms var(--ease-standard);
    max-height: 0;
    opacity: 0;
}
.pfe-faq__a[hidden] { display: block; } /* override hidden attribute; we control with max-height */
.pfe-faq__item.is-open .pfe-faq__a {
    max-height: 600px;
    opacity: 1;
}
.pfe-faq__a p {
    font-size: 15.5px;
    color: var(--text-secondary);
    line-height: 1.75;
    margin: 0;
    max-width: 720px;
}

/* ============================================================
   CONTACT SECTION
   ============================================================ */
.pfe-contact {
    padding: 92px 0;
    background: var(--ivory);
    border-top: 1px solid var(--stone);
}
.pfe-contact__lead {
    max-width: 620px;
    text-align: center;
    margin: -20px auto 40px;
    font-size: 16px;
    color: var(--text-secondary);
    line-height: 1.7;
}
.pfe-contact__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 14px;
    max-width: 880px;
    margin: 0 auto 32px;
}
.pfe-contact__card {
    display: flex;
    flex-direction: column;
    gap: 4px;
    background: var(--white);
    border: 1px solid var(--stone);
    border-left: 2px solid var(--champagne);
    border-radius: var(--radius-md);
    padding: 22px 24px;
    text-decoration: none;
    transition: transform var(--t-fast) var(--ease-standard),
                border-color var(--t-fast) var(--ease-standard),
                box-shadow var(--t-fast) var(--ease-standard),
                background var(--t-fast) var(--ease-standard);
}
.pfe-contact__card:hover:not(.pfe-contact__card--static) {
    border-color: var(--sage);
    border-left-color: var(--sage);
    transform: translateY(-2px);
    background: #FDFCF9;
    box-shadow: 0 18px 40px -28px rgba(24,36,58,0.25);
}
.pfe-contact__card:focus-visible {
    outline: none;
    box-shadow: 0 0 0 3px rgba(113,132,120,0.25);
}
.pfe-contact__kicker {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--champagne);
}
.pfe-contact__value {
    font-family: 'Newsreader', Georgia, serif;
    font-size: 19px;
    font-weight: 500;
    color: var(--ink);
}
.pfe-contact__card:hover:not(.pfe-contact__card--static) .pfe-contact__value {
    color: var(--sage);
}
.pfe-contact__card--static { cursor: default; }
.pfe-contact__cta { text-align: center; }

/* ============================================================
   FINAL CTA BAND
   ============================================================ */
.pfe-cta-band {
    position: relative;
    padding: 72px 0;
    background: var(--ink);
    color: var(--white);
    overflow: hidden;
}
.pfe-cta-band::before {
    content: "";
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(183,154,99,0.6) 50%, transparent);
}
.pfe-cta-band::after {
    content: "";
    position: absolute;
    right: -180px;
    top: -180px;
    width: 420px; height: 420px;
    border-radius: 0;
    border: 1px solid rgba(183,154,99,0.18);
    pointer-events: none;
}
.pfe-cta-band__inner {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 36px;
    flex-wrap: wrap;
}
.pfe-cta-band__title {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 34px;
    color: var(--white);
    margin-bottom: 8px;
    line-height: 1.22;
    letter-spacing: 0;
}
.pfe-cta-band__text {
    font-family: 'Newsreader', Georgia, serif;
    font-style: italic;
    font-size: 16.5px;
    color: rgba(255,255,255,0.72);
    margin: 0;
}
.pfe-cta-band .pfe-btn--primary {
    background: var(--white);
    color: var(--ink);
    border-color: var(--white);
    box-shadow: 0 18px 40px -22px rgba(0,0,0,0.45);
}
.pfe-cta-band .pfe-btn--primary:hover {
    background: var(--ivory);
    border-color: var(--ivory);
    color: var(--ink);
    box-shadow: 0 24px 50px -22px rgba(0,0,0,0.55);
}

/* ============================================================
   FOOTER — DEEP INK NAVY
   ============================================================ */
.pfe-footer {
    position: relative;
    background: var(--ink);
    color: rgba(255,255,255,0.72);
    padding: 72px 0 28px;
    overflow: hidden;
}
.pfe-footer::before {
    content: "";
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent 0%, var(--champagne) 50%, transparent 100%);
    opacity: 0.7;
}
.pfe-footer__inner { max-width: 1200px; margin: 0 auto; padding: 0 28px; }
.pfe-footer__grid {
    display: grid;
    grid-template-columns: 1.3fr 1fr 0.9fr 1.1fr;
    gap: 48px 40px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}

.pfe-footer__logo {
    display: block;
    width: 238px;
    height: auto;
    max-width: 100%;
    margin-bottom: 16px;
    padding: 10px 12px;
    background: var(--ivory);
    border-radius: 8px;
    border: 1px solid rgba(183,154,99,0.24);
}
.pfe-footer__desc {
    font-family: 'Newsreader', Georgia, serif;
    font-style: italic;
    font-size: 14.5px;
    color: rgba(255,255,255,0.58);
    line-height: 1.7;
    margin: 0;
    max-width: 340px;
}
.pfe-footer__heading {
    font-family: 'Manrope', sans-serif;
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--white);
    margin-bottom: 18px;
    position: relative;
    padding-bottom: 10px;
}
.pfe-footer__heading::after {
    content: "";
    position: absolute;
    left: 0; bottom: 0;
    width: 20px; height: 1px;
    background: var(--sage);
    opacity: 0.8;
}

.pfe-footer__list,
.pfe-footer__contact-list {
    list-style: none;
    padding: 0; margin: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.pfe-footer__list a,
.pfe-footer__list .menu-item a {
    font-size: 14px;
    color: rgba(255,255,255,0.68);
    text-decoration: none;
    transition: color var(--t-fast) var(--ease-standard),
                padding-left var(--t-fast) var(--ease-standard);
    display: inline-block;
    padding-left: 0;
}
.pfe-footer__list a:hover,
.pfe-footer__list .menu-item a:hover {
    color: var(--white);
    padding-left: 6px;
}
.pfe-footer__contact-item {
    display: flex;
    flex-direction: column;
    gap: 3px;
    margin: 0;
}
.pfe-footer__contact-label {
    font-size: 10.5px;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.45);
    font-weight: 700;
}
.pfe-footer__contact-value {
    font-size: 14.5px;
    color: rgba(255,255,255,0.82);
    font-family: 'Newsreader', Georgia, serif;
}
a.pfe-footer__contact-value:hover { color: var(--white); }

.pfe-footer__disclosure {
    padding: 36px 0 28px;
    border-bottom: 1px solid rgba(255,255,255,0.06);
}
.pfe-footer__disclosure p {
    font-size: 12.5px;
    line-height: 1.8;
    color: rgba(255,255,255,0.54);
    margin: 0;
}

.pfe-footer__bottom {
    padding-top: 20px;
    text-align: center;
    position: relative;
}
.pfe-footer__bottom::before {
    content: "PREMIER";
    position: absolute;
    right: 0; top: 20px;
    font-family: 'Manrope', sans-serif;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.3em;
    color: rgba(183,154,99,0.55);
}
.pfe-footer__copyright {
    font-size: 12.5px;
    color: rgba(255,255,255,0.50);
    margin: 0;
}

/* ============================================================
   INTERNAL PAGES
   ============================================================ */
.pfe-page-header {
    background:
        linear-gradient(180deg, var(--ivory) 0%, #FBF9F5 100%);
    border-bottom: 1px solid var(--stone);
    padding: 54px 0 48px;
    position: relative;
}
.pfe-page-header::after {
    content: "";
    position: absolute;
    left: 0; right: 0; bottom: -1px;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--champagne) 50%, transparent);
    opacity: 0.4;
}
.pfe-page-header__title {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 42px;
    color: var(--ink);
    margin-bottom: 12px;
    position: relative;
}
.pfe-page-header__title::before {
    content: "";
    display: block;
    width: 42px;
    height: 1px;
    background: var(--champagne);
    margin-bottom: 22px;
}
.pfe-page-header__breadcrumbs,
.pfe-page-header__sub {
    font-size: 13.5px;
    color: var(--text-secondary);
    margin: 0;
    display: flex;
    gap: 8px;
    align-items: center;
}
.pfe-page-header__breadcrumbs a { color: var(--sage); font-weight: 600; }
.pfe-page-header__breadcrumbs a:hover { text-decoration: underline; }
.pfe-page-header__breadcrumbs span[aria-hidden="true"] { color: #CCC6BA; margin: 0 2px; }
.pfe-page-header__sub {
    margin-bottom: 0;
    font-family: 'Newsreader', Georgia, serif;
    font-style: italic;
    color: var(--text-secondary);
    font-size: 15.5px;
}

.pfe-page-content {
    padding: 64px 0 88px;
    background: var(--white);
}
.pfe-page-content__inner { max-width: 900px; }

.pfe-page-about__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
    gap: 64px;
    align-items: start;
    margin-bottom: 56px;
    padding-bottom: 48px;
    border-bottom: 1px solid var(--stone);
}
.pfe-page-about__points {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin: 32px 0 28px;
}
.pfe-page-about__point {
    background: var(--ivory);
    border-radius: var(--radius-md);
    padding: 20px 20px 18px;
    border-top: 2px solid var(--sage);
}
.pfe-page-about__point h3 {
    font-family: 'Manrope', sans-serif;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--ink);
    margin-bottom: 6px;
}
.pfe-page-about__point p {
    font-size: 13.5px;
    color: var(--text-secondary);
    margin: 0;
    line-height: 1.6;
}
.pfe-page-about__image {
    border-radius: 0 var(--radius-xl) 0 var(--radius-xl);
    overflow: hidden;
    border: 1px solid var(--stone);
    aspect-ratio: 4 / 3;
    box-shadow: 0 40px 80px -40px rgba(24,36,58,0.22);
}
.pfe-page-about__image img { width: 100%; height: 100%; object-fit: cover; }

.pfe-page-contact__intro { text-align: center; margin-bottom: 40px; }
.pfe-page-contact__intro .pfe-section__title { margin-bottom: 14px; }
.pfe-page-contact__cta {
    text-align: center;
    padding: 44px 24px;
    background: var(--ivory);
    border-radius: var(--radius-md);
    margin-top: 16px;
    position: relative;
    border: 1px solid var(--stone);
}
.pfe-page-contact__cta::before {
    content: "";
    position: absolute;
    top: 0; left: 50%;
    width: 40px; height: 2px;
    background: var(--champagne);
    transform: translateX(-50%);
}
.pfe-page-contact__cta-heading {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 22px;
    margin-bottom: 16px;
    color: var(--ink);
}

.pfe-legal__updated {
    display: inline-block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-secondary);
    padding: 8px 14px;
    background: var(--ivory);
    border-radius: 6px;
    margin-bottom: 28px;
    border: 1px solid var(--stone);
}

.pfe-page-body h2 {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 24px;
    margin-top: 2.2em;
    margin-bottom: 0.7em;
    color: var(--ink);
    position: relative;
    padding-top: 14px;
}
.pfe-page-body h2::before {
    content: "";
    display: block;
    width: 30px;
    height: 1px;
    background: var(--champagne);
    position: absolute;
    top: 0; left: 0;
}
.pfe-page-body h3 {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 19px;
    margin-top: 1.6em;
    color: var(--ink);
}
.pfe-page-body p {
    font-size: 15.5px;
    line-height: 1.75;
    color: var(--charcoal);
    margin-bottom: 1.1em;
}
.pfe-page-body ul, .pfe-page-body ol {
    color: var(--charcoal);
    font-size: 15.5px;
    line-height: 1.75;
}
.pfe-page-body a {
    color: var(--ink);
    font-weight: 600;
    text-decoration: underline;
    text-decoration-thickness: 1px;
    text-decoration-color: var(--champagne);
    text-underline-offset: 3px;
}
.pfe-page-body a:hover { color: var(--sage); }

/* Blog loop / pagination / featured */
.pfe-page-header__sub { margin-top: -4px; margin-bottom: 4px; }
.pfe-loop-item {
    padding: 28px 0;
    border-bottom: 1px solid var(--stone);
}
.pfe-loop-item:last-child { border-bottom: 0; }
.pfe-loop-title {
    font-family: 'Newsreader', Georgia, serif;
    font-weight: 500;
    font-size: 26px;
    margin: 0 0 6px;
    color: var(--ink);
    line-height: 1.25;
    letter-spacing: 0;
}
.pfe-loop-title a { color: var(--ink); }
.pfe-loop-title a:hover { color: var(--sage); }
.pfe-loop-meta {
    font-size: 12.5px;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--champagne);
    margin-bottom: 12px;
    font-weight: 600;
}
.pfe-loop-excerpt p {
    margin: 0 0 14px;
    color: var(--text-secondary);
    font-size: 15.5px;
    line-height: 1.7;
}
.pfe-pagination {
    margin-top: 40px;
    padding-top: 24px;
    border-top: 1px solid var(--stone);
}
.pfe-pagination .page-numbers {
    display: inline-flex;
    align-items: center;
    height: 40px;
    padding: 0 14px;
    margin: 0 6px 6px 0;
    border: 1px solid var(--stone);
    border-radius: 8px;
    color: var(--charcoal);
    font-size: 14px;
    text-decoration: none;
    background: var(--white);
    font-weight: 500;
    transition: border-color var(--t-fast) var(--ease-standard),
                background var(--t-fast) var(--ease-standard),
                color var(--t-fast) var(--ease-standard),
                transform var(--t-fast) var(--ease-standard);
}
.pfe-pagination .page-numbers:hover {
    background: var(--ivory);
    border-color: var(--sage);
    color: var(--ink);
    transform: translateY(-1px);
}
.pfe-pagination .page-numbers.current {
    background: var(--ink);
    border-color: var(--ink);
    color: var(--white);
    transform: none;
}
.pfe-featured-image {
    border-radius: var(--radius-md);
    overflow: hidden;
    border: 1px solid var(--stone);
    margin: 0 0 28px;
}
.pfe-featured-image img { width: 100%; height: auto; display: block; }
.pfe-entry-content > *:last-child { margin-bottom: 0; }
.pfe-comments {
    margin-top: 44px;
    padding-top: 28px;
    border-top: 1px solid var(--stone);
}
.pfe-page-links {
    margin: 28px 0;
    font-weight: 600;
    color: var(--ink);
}
.pfe-page-links a {
    display: inline-block;
    margin: 0 5px;
    padding: 5px 12px;
    background: var(--ivory);
    border: 1px solid var(--stone);
    border-radius: 6px;
    color: var(--ink);
    text-decoration: none;
}
.pfe-page-links a:hover { background: var(--white); border-color: var(--sage); color: var(--sage); }
.pfe-search-form {
    display: flex;
    gap: 10px;
    max-width: 480px;
    margin-top: 16px;
}
.pfe-search-form .pfe-input { flex: 1 1 auto; }
.pfe-page-header__breadcrumbs span[aria-hidden="true"] { color: #CCC6BA; margin: 0 4px; }

/* ============================================================
   MOTION SYSTEM — SCROLL REVEAL
   ============================================================ */
.reveal {
    opacity: 0;
    transform: translateY(22px);
    transition: opacity 550ms var(--ease-standard),
                transform 550ms var(--ease-standard);
    will-change: opacity, transform;
}
.reveal.is-visible { opacity: 1; transform: none; }
.reveal.delay-1 { transition-delay: 80ms; }
.reveal.delay-2 { transition-delay: 160ms; }
.reveal.delay-3 { transition-delay: 240ms; }

/* On-load keyframes */
@keyframes pfe-fadeDown {
    from { opacity: 0; transform: translateY(-8px); }
    to   { opacity: 1; transform: none; }
}
@keyframes pfe-fadeUp {
    from { opacity: 0; transform: translateY(18px); }
    to   { opacity: 1; transform: none; }
}
@keyframes pfe-fadeRight {
    from { opacity: 0; transform: translateX(18px); }
    to   { opacity: 1; transform: none; }
}
@keyframes pfe-heroImg {
    from { opacity: 0; transform: scale(1.05); }
    to   { opacity: 1; transform: scale(1.025); }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0ms !important;
        animation-delay: 0ms !important;
        transition-duration: 0ms !important;
        transition-delay: 0ms !important;
        scroll-behavior: auto !important;
    }
    .reveal { opacity: 1; transform: none; }
    .pfe-how__grid::after { width: 76% !important; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */

/* Desktop mid */
@media (max-width: 1180px) {
    .pfe-hero__photo-frame { width: 70%; height: 86%; }
    .pfe-hero__quote .pfe-quote-card { width: 80%; margin-top: 140px; }
    .pfe-hero__headline { font-size: 46px; }
    .pfe-about__inner { gap: 56px; }
    .pfe-benefit { padding: 30px 32px; }
    .pfe-footer__grid { grid-template-columns: 1.3fr 1fr 1fr; }
    .pfe-footer__col--contact { grid-column: 1 / -1; }
    .pfe-page-about__points { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 1080px) {
    .pfe-nav__phone { display: none; }
    .pfe-nav__cta-wrap { gap: 14px; padding-left: 14px; }
}

/* Tablet */
@media (max-width: 960px) {
    :root { --header-h: 70px; --header-h-sticky: 62px; }
    .pfe-header__inner { padding: 0 22px; }
    .pfe-nav__toggle { display: inline-flex; }

    .pfe-nav__panel {
        position: fixed;
        top: var(--header-h);
        left: 0; right: 0;
        background: var(--white);
        border-top: 1px solid var(--stone);
        border-bottom: 1px solid var(--stone);
        padding: 18px 22px 26px;
        transform: translateY(-8px);
        opacity: 0;
        pointer-events: none;
        transition: opacity 220ms var(--ease-standard),
                    transform 220ms var(--ease-standard);
        box-shadow: 0 22px 50px -28px rgba(24,36,58,0.28);
        z-index: 99;
        max-height: calc(100vh - var(--header-h));
        overflow-y: auto;
    }
    .pfe-nav.is-open .pfe-nav__panel {
        opacity: 1;
        transform: translateY(0);
        pointer-events: auto;
    }
    .pfe-nav__list {
        flex-direction: column;
        align-items: stretch;
        gap: 2px;
        padding-bottom: 16px;
        margin-bottom: 16px;
        border-bottom: 1px solid var(--stone);
    }
    .pfe-nav__list .menu-item a,
    .pfe-nav__list > li > a {
        width: 100%;
        padding: 13px 14px;
        font-size: 15px;
        font-weight: 500;
        border-radius: 8px;
    }
    .pfe-nav__list .menu-item a:hover,
    .pfe-nav__list > li > a:hover { background: var(--ivory); }
    .pfe-nav__list .menu-item a::after,
    .pfe-nav__list > li > a::after { display: none; }
    .pfe-nav__cta-wrap {
        flex-direction: column;
        align-items: stretch;
        gap: 14px;
        padding: 0;
        margin: 0;
        border: 0;
    }
    .pfe-nav__phone { display: flex; align-items: flex-start; }
    .pfe-nav__quote { width: 100%; }
    .pfe-nav__phone-number { font-size: 17px; }

    /* Hero — mobile reorder */
    .pfe-hero { padding: 44px 0 68px; }
    .pfe-hero__inner {
        grid-template-columns: 1fr;
        gap: 0;
    }
    .pfe-hero__content {
        padding-top: 4px;
        max-width: 100%;
        margin-bottom: 36px;
    }
    .pfe-hero__quote {
        order: 2;
        min-height: 0;
        margin-bottom: 36px;
        display: flex;
        flex-direction: column;
        gap: 28px;
    }
    .pfe-hero__photo-frame {
        position: relative;
        inset: auto;
        display: block;
        order: 2;
        width: 100%;
        height: auto;
        aspect-ratio: 16 / 10;
        border-radius: var(--radius-lg) 0 var(--radius-lg) 0;
    }
    .pfe-hero__photo-accent { display: none; }
    .pfe-hero__quote .pfe-quote-card {
        position: relative;
        width: 100%;
        margin: 0;
        order: 1;
    }

    /* About */
    .pfe-about { padding: 72px 0; }
    .pfe-about__inner {
        grid-template-columns: 1fr;
        gap: 40px;
        direction: ltr;
    }
    .pfe-about__copy { margin-left: 0; max-width: 100%; }
    .pfe-about__image { max-width: 560px; margin: 0 auto; width: 100%; }

    /* Benefits */
    .pfe-benefits { padding: 72px 0; }
    .pfe-benefits__grid { grid-template-columns: 1fr; gap: 0; }
    .pfe-benefit { padding: 28px 6px; }
    .pfe-benefit + .pfe-benefit { border-top: 1px solid var(--stone); }
    .pfe-benefit + .pfe-benefit::before { display: none; }

    /* How */
    .pfe-how { padding: 72px 0; }
    .pfe-how__grid {
        grid-template-columns: 1fr;
        gap: 36px;
        padding: 0;
    }
    .pfe-how__grid::before,
    .pfe-how__grid::after { display: none; }
    .pfe-how__step { padding: 0; text-align: left; }
    .pfe-how__step { display: grid; grid-template-columns: auto 1fr; gap: 20px; align-items: start; }
    .pfe-how__num { margin-bottom: 0; width: 52px; height: 52px; }
    .pfe-how__heading { margin-top: 2px; }
    .pfe-how__text { max-width: none; }

    /* Planning */
    .pfe-planning { padding: 72px 0; }
    .pfe-planning__inner {
        grid-template-columns: 1fr;
        gap: 36px;
    }
    .pfe-planning__image { order: -1; max-width: 620px; margin: 0 auto; width: 100%; }

    /* FAQ */
    .pfe-faq { padding: 72px 0; }
    .pfe-section__title--center { margin-bottom: 40px; }
    .pfe-section__title { font-size: 30px; }
    .pfe-cta-band__title { font-size: 30px; }
    .pfe-page-header__title { font-size: 36px; }

    /* Contact + CTA */
    .pfe-contact { padding: 68px 0; }
    .pfe-cta-band { padding: 58px 0; }
    .pfe-cta-band__inner {
        flex-direction: column;
        align-items: flex-start;
        gap: 22px;
    }

    /* Footer */
    .pfe-footer { padding: 56px 0 24px; }
    .pfe-footer__inner { padding: 0 22px; }
    .pfe-footer__grid {
        grid-template-columns: 1fr 1fr;
        gap: 36px 28px;
    }
    .pfe-footer__col--brand { grid-column: 1 / -1; }
    .pfe-footer__col--contact { grid-column: 1 / -1; }
    .pfe-footer__bottom::before { display: none; }

    /* Internal */
    .pfe-page-about__grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }
    .pfe-page-about__image { max-width: 560px; }
}

/* Mobile */
@media (max-width: 640px) {
    :root { --header-h: 66px; }
    .pfe-container { padding: 0 20px; }
    .pfe-header__inner { padding: 0 20px; }
    .pfe-header__logo { width: 184px; max-height: 38px; }

    .pfe-hero { padding: 32px 0 56px; }
    .pfe-hero__headline {
        font-size: 36px;
        margin-bottom: 20px;
    }
    .pfe-hero__lead { font-size: 16px; }
    .pfe-hero__sub { font-size: 16px; margin-bottom: 24px; }
    .pfe-quote-card {
        padding: 24px 20px;
        border-radius: 16px;
    }
    .pfe-quote-card::before { left: 22px; }
    .pfe-quote-card__title { font-size: 21px; }

    .pfe-choice-grid--2, .pfe-choice-grid--3 { grid-template-columns: 1fr 1fr; }
    .pfe-choice__ui { min-height: 52px; padding: 10px 12px; }
    .pfe-choice__text { font-size: 14px; }
    .pfe-field-grid { grid-template-columns: 1fr; gap: 0; }
    .pfe-input, .pfe-select { height: 54px; padding: 0 16px; font-size: 15px; }

    .pfe-step__actions { flex-wrap: wrap; }
    .pfe-step__actions .pfe-btn { flex: 1 1 46%; min-width: 0; }
    .pfe-step__actions .pfe-btn--next,
    .pfe-step__actions .pfe-btn--submit { flex: 1 1 55%; }
    .pfe-step__actions--single .pfe-btn { flex: 1 1 100%; width: 100%; }

    .pfe-btn { height: 52px; padding: 0 22px; font-size: 13.5px; }
    .pfe-btn--sm { height: 42px; padding: 0 18px; }
    .pfe-btn--lg { height: 54px; }

    .pfe-section__title { font-size: 26px; }
    .pfe-cta-band__title { font-size: 26px; }
    .pfe-page-header__title { font-size: 32px; }

    .pfe-about, .pfe-benefits, .pfe-how, .pfe-planning, .pfe-faq, .pfe-contact { padding: 56px 0; }
    .pfe-about__inner { gap: 32px; }

    .pfe-page-header { padding: 40px 0 34px; }
    .pfe-page-content { padding: 44px 0 64px; }
    .pfe-page-about__points { grid-template-columns: 1fr; }
    .pfe-page-about__grid { gap: 32px; }

    .pfe-pagination { margin-top: 32px; }

    .pfe-footer { padding: 48px 0 22px; }
    .pfe-footer__inner { padding: 0 20px; }
    .pfe-footer__grid {
        grid-template-columns: 1fr;
        gap: 28px;
    }
    .pfe-footer__disclosure p { font-size: 12px; }
    .pfe-cta-band__inner .pfe-btn { width: 100%; }
    .pfe-search-form { flex-direction: column; }
    .pfe-search-form .pfe-btn { width: 100%; }
    .pfe-how__step { gap: 16px; }
}

/* Small mobile */
@media (max-width: 380px) {
    .pfe-container { padding: 0 18px; }
    .pfe-header__inner { padding: 0 16px; }
    .pfe-header__logo { width: 166px; }
    .pfe-hero__headline { font-size: 30px; }
    .pfe-quote-card { padding: 22px 18px; }
    .pfe-step__q { font-size: 18px; }
    .pfe-choice-grid--2, .pfe-choice-grid--3 { grid-template-columns: 1fr; }
    .pfe-consent { padding: 14px; gap: 12px; }
    .pfe-consent__text { font-size: 12.8px; }
    .pfe-faq__q { padding: 22px 4px; }
    .pfe-faq__q-text { font-size: 17px; }
    .pfe-contact__card { padding: 18px 20px; }
    .pfe-loop-title { font-size: 22px; }
    .pfe-footer__grid { gap: 24px; }
    .pfe-how__num { width: 48px; height: 48px; font-size: 16px; }
    .pfe-benefit__title { font-size: 20px; }
    .pfe-cta-band__title { font-size: 24px; }
}