:root {
    --ncia-red: #E1251B;
    --ncia-red-dark: #A61B14;
    --ncia-navy: #0B1F33;
    --ncia-navy-soft: #12324F;
    --ncia-charcoal: #2E2E2E;
    --ncia-gray: #6E747A;
    --ncia-off-white: #F7F5F2;
    --ncia-white: #FFFFFF;
    --ncia-line: rgba(11, 31, 51, 0.12);
    --ncia-shadow: rgba(11, 31, 51, 0.12);
    --ncia-crimson-pulse: var(--ncia-red);
    --ncia-burnt-red: var(--ncia-red-dark);
    --ncia-soft-pearl: var(--ncia-off-white);
    --ncia-smoky-gray: var(--ncia-gray);
    --ncia-carbon-black: var(--ncia-charcoal);
    --ncia-surface-white: var(--ncia-white);
    --ncia-surface-muted: #ECE8E2;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    padding: 0;
    background: var(--ncia-off-white);
    color: var(--ncia-charcoal);
    font-family: "Roboto", Arial, sans-serif;
    font-size: 16px;
    line-height: 1.7;
}

body.client-portal-open {
    overflow: hidden;
}

h1,
h2,
h3,
h4,
h5,
h6,
.serif-text {
    font-family: "Roboto", Arial, sans-serif;
    font-weight: 700;
    letter-spacing: 0;
    color: var(--ncia-navy);
}

a {
    color: var(--ncia-red);
}

a:hover {
    color: var(--ncia-red-dark);
}

.bg-white {
    background-color: var(--ncia-white) !important;
}

.bg-navy {
    background-color: var(--ncia-navy);
}

.bg-navy .section-title {
    color: #fff;
}

.section-muted {
    background-color: var(--ncia-off-white);
}

.text-white-75 {
    color: rgba(255, 255, 255, 0.75);
}

.red-accent,
.text-brand-red {
    color: var(--ncia-red);
}

.gold-accent {
    color: var(--ncia-navy);
}

.eyebrow {
    display: none;
    margin: 0 0 0.8rem;
    color: var(--ncia-red);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
}

.eyebrow-on-dark {
    color: #FF6B63;
}

.section-padding {
    padding: 7rem 0;
}

.section-heading {
    max-width: 760px;
    margin: 0 auto 3rem;
}

.section-title {
    margin: 0 0 1rem;
    font-size: 2.7rem;
    line-height: 1.15;
}

.section-lead {
    color: var(--ncia-gray);
    font-size: 1.08rem;
    line-height: 1.85;
}

.navbar {
    padding: 1.2rem 0;
    background-color: transparent;
    transition: background-color 0.25s ease, padding 0.25s ease, border-color 0.25s ease;
    border-bottom: 1px solid transparent;
}

.navbar.scrolled {
    padding: 0.7rem 0;
    background-color: rgba(11, 31, 51, 0.96);
    border-bottom-color: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
}

.navbar-brand {
    display: inline-flex;
    align-items: center;
    padding: 0;
    max-width: 210px;
}

.navbar-logo {
    display: block;
    width: auto;
    height: 42px;
    object-fit: contain;
    filter: drop-shadow(0 8px 16px rgba(0, 0, 0, 0.18));
}

.navbar-toggler {
    border: 1px solid rgba(255, 255, 255, 0.45);
    background: rgba(255, 255, 255, 0.08);
}

.navbar-toggler:focus {
    box-shadow: 0 0 0 0.18rem rgba(225, 37, 27, 0.24);
}

.navbar-toggler-icon {
    filter: invert(1);
}

.nav-link {
    color: rgba(255, 255, 255, 0.82) !important;
    font-size: 0.9rem;
    font-weight: 600;
    margin-left: 1rem;
    transition: color 0.2s ease, transform 0.2s ease;
}

.nav-link:hover,
.nav-link:focus {
    color: #fff !important;
    transform: translateY(-1px);
}

.dropdown-menu {
    padding: 0.55rem;
    border: 1px solid rgba(11, 31, 51, 0.12);
    border-radius: 8px;
    box-shadow: 0 18px 40px rgba(11, 31, 51, 0.14);
}

.dropdown-item {
    border-radius: 6px;
    color: var(--ncia-navy);
    font-size: 0.9rem;
    padding: 0.6rem 0.75rem;
}

.dropdown-item:hover,
.dropdown-item:focus {
    background-color: rgba(225, 37, 27, 0.08);
    color: var(--ncia-red);
}

.nav-item-cta {
    margin-left: 0.75rem;
}

.btn-nav-cta,
.btn-premium,
.btn-outline-navy,
.btn-ghost-light,
.btn-light-cta,
.btn-footer-portal {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 44px;
    border-radius: 999px;
    padding: 0.72rem 1.35rem;
    font-weight: 700;
    line-height: 1.2;
    text-decoration: none;
    transition: transform 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.btn-premium,
.btn-nav-cta {
    border: 1px solid var(--ncia-red);
    background: var(--ncia-red);
    color: #fff;
    box-shadow: 0 14px 30px rgba(225, 37, 27, 0.22);
}

.btn-premium:hover,
.btn-nav-cta:hover {
    background: var(--ncia-red-dark);
    border-color: var(--ncia-red-dark);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 18px 36px rgba(166, 27, 20, 0.26);
}

.btn-nav-cta {
    min-height: 38px;
    padding: 0.58rem 1rem;
    font-size: 0.86rem;
}

.btn-outline-navy {
    border: 1px solid rgba(11, 31, 51, 0.22);
    background: transparent;
    color: var(--ncia-navy);
}

.btn-outline-navy:hover {
    border-color: var(--ncia-navy);
    background: var(--ncia-navy);
    color: #fff;
}

.btn-ghost-light {
    border: 1px solid rgba(255, 255, 255, 0.36);
    background: rgba(255, 255, 255, 0.08);
    color: #fff;
}

.btn-ghost-light:hover {
    border-color: rgba(255, 255, 255, 0.7);
    background: rgba(255, 255, 255, 0.16);
    color: #fff;
    transform: translateY(-2px);
}

.btn-light-cta {
    background: #fff;
    border: 1px solid #fff;
    color: var(--ncia-red);
}

.btn-light-cta:hover {
    background: var(--ncia-navy);
    border-color: var(--ncia-navy);
    color: #fff;
}

.btn-footer-portal {
    background: transparent;
    border: 1px solid rgba(255, 255, 255, 0.24);
    color: rgba(255, 255, 255, 0.9);
}

.btn-footer-portal:hover {
    border-color: #fff;
    color: #fff;
}

.hero-section {
    position: relative;
    display: flex;
    align-items: center;
    min-height: 720px;
    padding: 8rem 0 5rem;
    overflow: hidden;
    background: var(--ncia-navy);
}

.home-hero {
    min-height: 860px;
    padding: 10rem 0 6rem;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(90deg, rgba(11, 31, 51, 0.94) 0%, rgba(11, 31, 51, 0.78) 48%, rgba(11, 31, 51, 0.42) 100%),
        var(--hero-image, url("../img/makati_skyline.png"));
    background-size: cover;
    background-position: center;
    transform: scale(1.02);
}

.home-hero .hero-bg {
    background: #000;
    transform: none;
}

.hero-bg-slide {
    position: absolute;
    inset: 0;
    opacity: 0;
    background-image:
        linear-gradient(90deg, rgba(0, 0, 0, 0.62) 0%, rgba(0, 0, 0, 0.36) 46%, rgba(0, 0, 0, 0.08) 100%),
        var(--hero-slide-image, url("../img/makati_skyline.png"));
    background-size: cover;
    background-position: center;
    transform: scale(1.02);
    transition: opacity 1.1s ease;
    will-change: opacity;
}

.hero-bg-slide.is-active {
    opacity: 1;
}

@media (prefers-reduced-motion: reduce) {
    .hero-bg-slide {
        transition: none;
    }
}

.hero-corporate .hero-bg {
    background-image:
        linear-gradient(90deg, rgba(11, 31, 51, 0.94) 0%, rgba(11, 31, 51, 0.78) 48%, rgba(11, 31, 51, 0.42) 100%),
        url("../img/Corporate.png");
}

.hero-benefits .hero-bg {
    background-image:
        linear-gradient(90deg, rgba(11, 31, 51, 0.94) 0%, rgba(11, 31, 51, 0.78) 48%, rgba(11, 31, 51, 0.42) 100%),
        url("../img/hmo.png");
}

.hero-private .hero-bg {
    background-image:
        linear-gradient(90deg, rgba(11, 31, 51, 0.94) 0%, rgba(11, 31, 51, 0.78) 48%, rgba(11, 31, 51, 0.42) 100%),
        url("../img/VVIP.png");
}

.hero-travel .hero-bg {
    background-image:
        linear-gradient(90deg, rgba(11, 31, 51, 0.94) 0%, rgba(11, 31, 51, 0.78) 48%, rgba(11, 31, 51, 0.42) 100%),
        url("../img/travellife.png");
}

.hero-claims .hero-bg,
.hero-insights .hero-bg {
    background-image:
        linear-gradient(90deg, rgba(11, 31, 51, 0.94) 0%, rgba(11, 31, 51, 0.78) 48%, rgba(11, 31, 51, 0.42) 100%),
        url("../img/clientportal.png");
}

.hero-industries .hero-bg {
    background-image:
        linear-gradient(90deg, rgba(11, 31, 51, 0.94) 0%, rgba(11, 31, 51, 0.78) 48%, rgba(11, 31, 51, 0.42) 100%),
        url("../img/Boardroom.png");
}

.hero-about .hero-bg {
    background-image:
        linear-gradient(90deg, rgba(11, 31, 51, 0.94) 0%, rgba(11, 31, 51, 0.78) 48%, rgba(11, 31, 51, 0.42) 100%),
        url("../img/Boardroom.png");
}

.hero-content {
    position: relative;
    z-index: 1;
    color: #fff;
}

body.is-loaded .hero-content {
    animation: heroIn 0.75s ease both;
}

@keyframes heroIn {
    from {
        opacity: 0;
        transform: translateY(18px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.hero-tagline {
    color: #fff;
    font-size: 4.15rem;
    line-height: 1.05;
    margin-bottom: 1.4rem;
    max-width: 760px;
}

.hero-tagline span {
    display: block;
}

.hero-sub {
    max-width: 760px;
    margin-bottom: 2rem;
    color: rgba(255, 255, 255, 0.8);
    font-size: 1.16rem;
    line-height: 1.8;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.85rem;
}

.credibility-bar {
    background: var(--ncia-navy);
    color: #fff;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.credibility-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.credibility-grid > div {
    padding: 1.35rem 1.5rem;
    border-left: 1px solid rgba(255, 255, 255, 0.1);
}

.credibility-grid > div:last-child {
    border-right: 1px solid rgba(255, 255, 255, 0.1);
}

.credibility-grid strong,
.credibility-grid span {
    display: block;
}

.credibility-grid strong {
    font-family: "Roboto", Arial, sans-serif;
    font-size: 1.45rem;
    color: #fff;
}

.credibility-grid span {
    color: rgba(255, 255, 255, 0.68);
    font-size: 0.86rem;
}

.problem-list {
    display: grid;
    gap: 1rem;
}

.problem-item {
    display: grid;
    grid-template-columns: 54px 1fr;
    gap: 1rem;
    padding: 1.2rem;
    background: var(--ncia-off-white);
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
}

.problem-item span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--ncia-navy);
    color: #fff;
    font-weight: 700;
    font-size: 0.84rem;
}

.problem-item p {
    margin: 0;
    color: var(--ncia-charcoal);
    font-weight: 600;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1.5rem;
}

.trust-card {
    min-height: 260px;
    padding: 2rem;
    background: #fff;
}

.trust-card h3 {
    margin-bottom: 1rem;
    font-size: 1.35rem;
}

.trust-card p {
    margin: 0;
    color: var(--ncia-gray);
}

.reality-panel {
    padding: 2rem;
    border-radius: 8px;
    border: 1px solid var(--ncia-line);
    background: var(--ncia-off-white);
}

.reality-panel > p {
    margin: 0 0 1rem;
    color: var(--ncia-gray);
}

.reality-list {
    display: grid;
    gap: 0.85rem;
}

.reality-item {
    display: grid;
    grid-template-columns: 54px 1fr;
    align-items: center;
    gap: 1rem;
    padding: 1rem;
    border: 1px solid rgba(11, 31, 51, 0.08);
    border-radius: 8px;
    background: #fff;
}

.reality-item span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: rgba(225, 37, 27, 0.08);
    color: var(--ncia-red);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.08em;
}

.reality-item strong {
    color: var(--ncia-navy);
    font-size: 1rem;
}

.model-card,
.division-card,
.proof-card,
.trust-card,
.surface-panel,
.surface-panel-contrast,
.blog-card,
.industry-detail,
.claims-panel,
.metric-card,
.pillar-card {
    border-radius: 8px;
    border: 1px solid var(--ncia-line);
    box-shadow: 0 12px 28px rgba(11, 31, 51, 0.06);
}

.model-card {
    height: 100%;
    padding: 2rem;
    background: #fff;
}

.model-card__top {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    gap: 0.9rem;
}

.model-card__number {
    align-self: flex-start;
    color: var(--ncia-red);
    font-size: 0.82rem;
    font-weight: 700;
    letter-spacing: 0.12em;
}

.model-card__icon {
    display: inline-flex;
    width: 48px;
    height: 48px;
    flex: 0 0 48px;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(225, 37, 27, 0.18);
    border-radius: 8px;
    background: rgba(225, 37, 27, 0.06);
    color: var(--ncia-red);
}

.model-card__icon svg {
    width: 25px;
    height: 25px;
    fill: none;
    stroke: currentColor;
    stroke-linecap: round;
    stroke-linejoin: round;
    stroke-width: 1.8;
}

.model-card h3 {
    font-size: 1.45rem;
    margin-bottom: 1rem;
}

.model-card p,
.division-card p,
.proof-card p {
    color: var(--ncia-gray);
    margin-bottom: 0;
}

.proof-card {
    height: 100%;
    padding: 2rem;
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.18);
    box-shadow: none;
}

.proof-card span {
    display: block;
    margin-bottom: 1.2rem;
    color: rgba(255, 255, 255, 0.68);
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

.proof-card strong {
    display: block;
    margin-bottom: 0.8rem;
    color: #fff;
    font-family: "Roboto", Arial, sans-serif;
    font-size: 3.1rem;
    line-height: 1;
}

.proof-card p {
    color: rgba(255, 255, 255, 0.76);
}

.division-card {
    position: relative;
    display: flex;
    flex-direction: column;
    height: 100%;
    padding: 1.25rem;
    background: #fff;
    transition: transform 0.24s ease, box-shadow 0.24s ease, border-color 0.24s ease;
}

.division-card:hover {
    transform: translateY(-4px);
    border-color: rgba(225, 37, 27, 0.28);
    box-shadow: 0 18px 36px rgba(11, 31, 51, 0.11);
}

.division-card h3 {
    min-height: 4.25rem;
    margin-bottom: 0.9rem;
    font-size: 1.28rem;
    line-height: 1.25;
}

.card-photo,
.section-photo,
.blog-image,
.client-portal-popup__media {
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.card-photo {
    height: 150px;
    margin-bottom: 1.25rem;
    border-radius: 6px;
}

.card-photo-corporate {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.18), rgba(225, 37, 27, 0.06)),
        url("../img/Corporate.png");
}

.card-photo-benefits {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.14), rgba(225, 37, 27, 0.06)),
        url("../img/hmo.png");
}

.card-photo-private {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.14), rgba(225, 37, 27, 0.06)),
        url("../img/VVIP.png");
}

.card-photo-travel {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.14), rgba(225, 37, 27, 0.06)),
        url("../img/travellife.png");
}

.division-link {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    margin-top: auto;
    padding-top: 1.25rem;
    color: var(--ncia-red);
    font-size: 0.86rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-decoration: none;
    text-transform: uppercase;
}

.division-link::after {
    content: ">";
    transition: transform 0.2s ease;
}

.division-link:hover::after {
    transform: translateX(3px);
}

.industry-strip {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 1rem;
}

.industry-strip a {
    display: flex;
    align-items: center;
    min-height: 108px;
    padding: 1.25rem;
    background: #fff;
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
    color: var(--ncia-navy);
    font-family: "Roboto", Arial, sans-serif;
    font-size: 1.08rem;
    line-height: 1.25;
    text-decoration: none;
    transition: transform 0.2s ease, border-color 0.2s ease, color 0.2s ease;
}

.industry-strip a:hover {
    transform: translateY(-3px);
    border-color: rgba(225, 37, 27, 0.3);
    color: var(--ncia-red);
}

.section-photo {
    min-height: 420px;
    border-radius: 8px;
    border: 1px solid var(--ncia-line);
    box-shadow: 0 18px 38px rgba(11, 31, 51, 0.12);
}

.section-photo-story {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.16), rgba(225, 37, 27, 0.05)),
        url("../img/Boardroom.png");
    background-position: center 42%;
}

.section-photo-foundation {
    min-height: 0;
    aspect-ratio: 1080 / 525;
    background-color: #fff;
    background-size: contain;
    background-position: center;
    background-repeat: no-repeat;
}

.about-history-section {
    border-top: 1px solid rgba(11, 31, 51, 0.08);
    border-bottom: 1px solid rgba(11, 31, 51, 0.08);
}

.about-history-copy {
    max-width: 780px;
    color: var(--ncia-gray);
    font-size: 1.02rem;
    line-height: 1.85;
}

.about-history-copy p {
    margin: 0 0 1.15rem;
}

.about-history-copy p:first-child {
    color: var(--ncia-charcoal);
    font-size: 1.08rem;
}

.about-history-copy p:first-child > strong:first-child {
    color: var(--ncia-red);
}

.about-history-copy p:last-child {
    margin-bottom: 0;
}

.about-photo-stack {
    display: grid;
    gap: 1rem;
}

.about-photo-stack img {
    display: block;
    width: 100%;
    object-fit: cover;
    border-radius: 8px;
    border: 1px solid var(--ncia-line);
    box-shadow: 0 18px 38px rgba(11, 31, 51, 0.12);
}

.about-photo-main {
    aspect-ratio: 16 / 9;
    object-position: center;
}

.about-photo-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
}

.about-photo-grid img {
    aspect-ratio: 4 / 3;
}

.about-memory-gallery {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 1rem;
    margin-top: 2.5rem;
}

.about-memory-gallery img {
    display: block;
    width: 100%;
    aspect-ratio: 4 / 3;
    object-fit: cover;
    border-radius: 8px;
    border: 1px solid var(--ncia-line);
    box-shadow: 0 14px 30px rgba(11, 31, 51, 0.1);
}

.about-mission-panel {
    margin-top: 1.35rem;
    padding: 1.6rem;
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
    background: var(--ncia-off-white);
}

.about-mission-panel h3 {
    margin: 0 0 1rem;
    font-size: 1.45rem;
}

.about-mission-panel ul {
    display: grid;
    gap: 0.75rem;
    margin: 0;
    padding: 0;
    list-style: none;
}

.about-mission-panel li {
    position: relative;
    padding-left: 1.35rem;
    color: var(--ncia-gray);
    line-height: 1.65;
}

.about-mission-panel li::before {
    content: "";
    position: absolute;
    top: 0.65rem;
    left: 0;
    width: 0.45rem;
    height: 0.45rem;
    border-radius: 50%;
    background: var(--ncia-red);
}

.story-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
    margin-top: 2rem;
}

.story-grid div {
    padding: 1.1rem;
    background: var(--ncia-off-white);
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
}

.story-grid strong,
.story-grid span {
    display: block;
}

.story-grid strong {
    color: var(--ncia-navy);
    font-weight: 700;
}

.story-grid span {
    color: var(--ncia-gray);
    font-size: 0.92rem;
}

.legacy-timeline {
    display: grid;
    gap: 1rem;
    margin-top: 2rem;
}

.legacy-item {
    position: relative;
    padding: 1.15rem 1.25rem 1.15rem 4.25rem;
    background: var(--ncia-off-white);
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
}

.legacy-item::before {
    content: "";
    position: absolute;
    left: 2.15rem;
    top: 3.7rem;
    bottom: -1rem;
    width: 1px;
    background: rgba(11, 31, 51, 0.14);
}

.legacy-item:last-child::before {
    display: none;
}

.legacy-item span {
    position: absolute;
    top: 1.15rem;
    left: 1.15rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2rem;
    height: 2rem;
    border-radius: 50%;
    background: var(--ncia-red);
    color: #fff;
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 0.06em;
}

.legacy-item strong {
    display: block;
    margin-bottom: 0.25rem;
    color: var(--ncia-navy);
    font-size: 1rem;
}

.legacy-item p {
    margin: 0;
    color: var(--ncia-gray);
    font-size: 0.94rem;
}

.insight-tile {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    min-height: 170px;
    padding: 1.35rem;
    background: #fff;
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
    color: var(--ncia-navy);
    text-decoration: none;
    transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.insight-tile:hover {
    transform: translateY(-4px);
    border-color: rgba(225, 37, 27, 0.3);
    box-shadow: 0 18px 36px rgba(11, 31, 51, 0.1);
}

.insight-tile span {
    color: var(--ncia-red);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

.insight-tile strong {
    color: var(--ncia-navy);
    font-family: "Roboto", Arial, sans-serif;
    font-size: 1.18rem;
    line-height: 1.3;
}

.faq-chat {
    display: grid;
    gap: 1rem;
    padding: 0.25rem 0;
}

.faq-message {
    display: flex;
    align-items: flex-end;
    gap: 0.75rem;
    transform-origin: left bottom;
}

.faq-chat.is-faq-animated .faq-message {
    opacity: 0;
    transform: translateY(16px) scale(0.98);
}

.faq-chat.is-faq-animated .faq-message.is-faq-visible {
    opacity: 1;
    transform: translateY(0) scale(1);
    transition: opacity 0.32s ease, transform 0.36s cubic-bezier(0.2, 0.9, 0.28, 1.18);
}

.faq-message-question {
    flex-direction: row-reverse;
    transform-origin: right bottom;
}

.faq-message[hidden],
.faq-typing[hidden] {
    display: none !important;
}

.faq-avatar {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    flex: 0 0 42px;
    font-size: 0.82rem;
    font-weight: 700;
    letter-spacing: 0.08em;
}

.faq-message-question .faq-avatar {
    background: var(--ncia-red);
    color: #fff;
    box-shadow: 0 12px 24px rgba(225, 37, 27, 0.22);
}

.faq-message-answer .faq-avatar,
.faq-typing .faq-avatar {
    background: var(--ncia-navy);
    color: #fff;
    box-shadow: 0 12px 24px rgba(11, 31, 51, 0.16);
}

.faq-bubble {
    position: relative;
    width: min(100%, 690px);
    padding: 1.15rem 1.3rem;
    border-radius: 8px;
    box-shadow: 0 14px 34px rgba(11, 31, 51, 0.08);
}

.faq-bubble::after {
    content: "";
    position: absolute;
    bottom: 18px;
    width: 14px;
    height: 14px;
    transform: rotate(45deg);
}

.faq-message-question .faq-bubble {
    background: var(--ncia-navy);
    color: #fff;
}

.faq-message-question .faq-bubble::after {
    right: -6px;
    background: var(--ncia-navy);
}

.faq-message-answer .faq-bubble,
.faq-typing .faq-bubble {
    border: 1px solid var(--ncia-line);
    background: var(--ncia-off-white);
}

.faq-message-answer .faq-bubble::after,
.faq-typing .faq-bubble::after {
    left: -6px;
    border-bottom: 1px solid var(--ncia-line);
    border-left: 1px solid var(--ncia-line);
    background: var(--ncia-off-white);
}

.faq-bubble span {
    display: block;
    margin-bottom: 0.35rem;
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    line-height: 1.2;
    text-transform: uppercase;
}

.faq-message-question .faq-bubble span {
    color: #FF6B63;
}

.faq-message-answer .faq-bubble span {
    color: var(--ncia-red);
}

.faq-bubble p {
    margin: 0;
    font-size: 1rem;
    line-height: 1.75;
}

.faq-message-question .faq-bubble p {
    color: rgba(255, 255, 255, 0.9);
    font-weight: 700;
}

.faq-message-answer .faq-bubble p {
    color: var(--ncia-gray);
}

.faq-typing {
    display: flex;
    align-items: flex-end;
    gap: 0.75rem;
    opacity: 0;
    transform: translateY(12px);
}

.faq-typing.is-faq-visible {
    opacity: 1;
    transform: translateY(0);
    transition: opacity 0.24s ease, transform 0.24s ease;
}

.faq-typing .faq-bubble {
    display: inline-flex;
    align-items: center;
    gap: 0.32rem;
    width: auto;
    min-width: 74px;
    min-height: 46px;
    padding: 0.9rem 1rem;
}

.faq-typing-dot {
    display: block;
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: rgba(11, 31, 51, 0.42);
    animation: faqTypingPulse 0.92s ease-in-out infinite;
}

.faq-typing-dot:nth-child(2) {
    animation-delay: 0.14s;
}

.faq-typing-dot:nth-child(3) {
    animation-delay: 0.28s;
}

@keyframes faqTypingPulse {
    0%,
    70%,
    100% {
        opacity: 0.35;
        transform: translateY(0);
    }

    35% {
        opacity: 1;
        transform: translateY(-4px);
    }
}

.accordion-item {
    margin-bottom: 0.8rem;
    border: 0;
    background: transparent;
}

.accordion-button {
    padding: 1.15rem 1.35rem;
    background: #fff;
    border: 1px solid var(--ncia-line);
    border-radius: 8px !important;
    color: var(--ncia-navy);
    font-weight: 700;
    box-shadow: none;
}

.accordion-button:not(.collapsed) {
    background: var(--ncia-off-white);
    border-color: rgba(225, 37, 27, 0.3);
    color: var(--ncia-red);
    box-shadow: none;
}

.accordion-button:focus {
    border-color: var(--ncia-red);
    box-shadow: 0 0 0 0.2rem rgba(225, 37, 27, 0.13);
}

.accordion-body {
    padding: 1.35rem;
    color: var(--ncia-gray);
    line-height: 1.8;
}

.contact-section {
    background: var(--ncia-off-white);
}

.contact-details {
    margin-top: 2rem;
    color: var(--ncia-gray);
}

.contact-details strong {
    color: var(--ncia-navy);
}

.contact-form {
    padding: 2rem;
    background: #fff;
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
    box-shadow: 0 18px 40px rgba(11, 31, 51, 0.1);
}

.form-control,
.form-control-lg {
    border: 1px solid rgba(11, 31, 51, 0.16);
    border-radius: 6px;
    background-color: #fff;
    color: var(--ncia-charcoal);
    font-size: 1rem;
    padding: 0.85rem 1rem;
}

.form-control:focus,
.form-control-lg:focus {
    border-color: var(--ncia-red);
    box-shadow: 0 0 0 0.2rem rgba(225, 37, 27, 0.12);
}

.form-control::placeholder {
    color: rgba(110, 116, 122, 0.78);
}

.form-note {
    margin: 1rem 0 0;
    color: var(--ncia-gray);
    font-size: 0.86rem;
    text-align: center;
}

.final-cta {
    padding: 4rem 0;
    background: var(--ncia-red);
    color: #fff;
}

.final-cta h2 {
    margin: 0 0 0.5rem;
    color: #fff;
    font-size: 2.2rem;
}

.final-cta p {
    margin: 0;
    color: rgba(255, 255, 255, 0.82);
}

.client-portal-popup {
    position: fixed;
    inset: 0;
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1.5rem;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.25s ease, visibility 0.25s ease;
}

.client-portal-popup.is-visible {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
}

.client-portal-popup__backdrop {
    position: absolute;
    inset: 0;
    background: rgba(11, 31, 51, 0.76);
    backdrop-filter: blur(8px);
}

.client-portal-popup__dialog {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: minmax(260px, 0.9fr) minmax(0, 1.1fr);
    width: min(100%, 900px);
    overflow: hidden;
    border-radius: 8px;
    background: #fff;
    box-shadow: 0 30px 80px rgba(0, 0, 0, 0.28);
    transform: translateY(20px);
    transition: transform 0.25s ease;
}

.client-portal-popup.is-visible .client-portal-popup__dialog {
    transform: translateY(0);
}

.client-portal-popup__close {
    position: absolute;
    top: 1rem;
    right: 1rem;
    z-index: 2;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border: 0;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.95);
    color: var(--ncia-navy);
    font-size: 1.5rem;
    line-height: 1;
    box-shadow: 0 10px 22px rgba(11, 31, 51, 0.14);
}

.client-portal-popup__media {
    min-height: 420px;
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.2), rgba(225, 37, 27, 0.08)),
        url("../img/clientportal.png");
}

.client-portal-popup__content {
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 3.5rem;
}

.client-portal-popup__title {
    margin-bottom: 1rem;
    font-size: 2.5rem;
}

.client-portal-popup__text {
    max-width: 34rem;
    margin-bottom: 1.5rem;
    color: var(--ncia-gray);
}

.client-portal-popup__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.8rem;
}

.surface-panel,
.surface-panel-contrast {
    padding: 2rem;
    background: #fff;
}

.surface-panel-contrast {
    background: var(--ncia-navy);
    border-color: rgba(255, 255, 255, 0.15);
    color: #fff;
}

.surface-panel-contrast h2,
.surface-panel-contrast h3,
.surface-panel-contrast h4,
.surface-panel-contrast h5,
.surface-panel-contrast strong {
    color: #fff;
}

.surface-panel-contrast .text-muted,
.surface-panel-contrast p {
    color: rgba(255, 255, 255, 0.74) !important;
}

.surface-panel-contrast .content-list li {
    border-left-color: #FF6B63;
}

.surface-panel-contrast .content-list strong {
    color: #fff;
}

.service-hero {
    min-height: 600px;
}

.service-kicker {
    display: none;
    margin-bottom: 1rem;
    padding: 0.35rem 0.65rem;
    border-radius: 999px;
    background: rgba(225, 37, 27, 0.1);
    color: var(--ncia-red);
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
}

.content-list {
    display: grid;
    gap: 1rem;
    margin: 0;
    padding: 0;
    list-style: none;
}

.content-list li {
    padding-left: 1.1rem;
    border-left: 3px solid var(--ncia-red);
}

.content-list strong {
    display: block;
    color: var(--ncia-navy);
}

.content-list span {
    color: var(--ncia-gray);
}

.process-list {
    display: grid;
    gap: 1rem;
}

.process-item {
    display: grid;
    grid-template-columns: 46px 1fr;
    gap: 1rem;
}

.process-item span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: var(--ncia-red);
    color: #fff;
    font-weight: 700;
}

.process-item h4 {
    margin: 0 0 0.25rem;
    font-size: 1.08rem;
}

.process-item p {
    margin: 0;
    color: var(--ncia-gray);
}

.metric-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
}

.metric-card {
    padding: 1.4rem;
    background: #fff;
}

.metric-card strong {
    display: block;
    margin-bottom: 0.45rem;
    color: var(--ncia-red);
    font-family: "Roboto", Arial, sans-serif;
    font-size: 2rem;
    line-height: 1;
}

.metric-card span {
    color: var(--ncia-gray);
    font-size: 0.92rem;
}

.industry-detail {
    padding: 2rem;
    background: #fff;
}

.industry-detail + .industry-detail {
    margin-top: 1.25rem;
}

.industry-detail h2 {
    margin-bottom: 1rem;
    font-size: 2rem;
}

.industry-detail h3 {
    margin-top: 1.5rem;
    font-size: 1.1rem;
}

.tag-list {
    display: flex;
    flex-wrap: wrap;
    gap: 0.55rem;
    padding: 0;
    margin: 1rem 0 0;
    list-style: none;
}

.tag-list li {
    padding: 0.4rem 0.65rem;
    border: 1px solid rgba(11, 31, 51, 0.12);
    border-radius: 999px;
    background: var(--ncia-off-white);
    color: var(--ncia-navy);
    font-size: 0.86rem;
    font-weight: 700;
}

.claims-panel {
    padding: 2rem;
    background: #fff;
}

.claim-step {
    display: grid;
    grid-template-columns: 56px 1fr;
    gap: 1rem;
    padding: 1.2rem 0;
    border-bottom: 1px solid var(--ncia-line);
}

.claim-step:last-child {
    border-bottom: 0;
}

.claim-step span {
    color: var(--ncia-red);
    font-weight: 700;
    letter-spacing: 0.12em;
}

.claim-step h3 {
    margin-bottom: 0.35rem;
    font-size: 1.25rem;
}

.claim-step p {
    margin: 0;
    color: var(--ncia-gray);
}

.blog-card {
    display: flex;
    flex-direction: column;
    height: 100%;
    overflow: hidden;
    background: #fff;
    transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.blog-card:hover {
    transform: translateY(-4px);
    border-color: rgba(225, 37, 27, 0.28);
    box-shadow: 0 18px 36px rgba(11, 31, 51, 0.1);
}

.blog-image {
    height: 180px;
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.18), rgba(225, 37, 27, 0.07)),
        url("../img/Corporate.png");
}

.blog-image-large {
    height: 320px;
    border-radius: 8px;
}

.blog-image-claims {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.16), rgba(225, 37, 27, 0.07)),
        url("../img/clientportal.png");
}

.blog-image-benefits {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.14), rgba(225, 37, 27, 0.06)),
        url("../img/hmo.png");
}

.blog-image-risk {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.14), rgba(225, 37, 27, 0.06)),
        url("../img/property.png");
}

.blog-image-private {
    background-image:
        linear-gradient(135deg, rgba(11, 31, 51, 0.14), rgba(225, 37, 27, 0.06)),
        url("../img/VVIP.png");
}

.blog-content {
    display: flex;
    flex: 1;
    flex-direction: column;
    padding: 1.5rem;
}

.blog-date {
    margin-bottom: 0.55rem;
    color: var(--ncia-gray);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.blog-content h3,
.blog-content h4 {
    font-size: 1.22rem;
    line-height: 1.3;
}

.blog-link {
    margin-top: auto;
    color: var(--ncia-red);
    font-weight: 700;
    text-decoration: none;
}

.pillar-card {
    height: 100%;
    padding: 1.5rem;
    background: #fff;
}

#claims,
#cost-control,
#risk-management,
#executive-protection,
#manufacturing,
#real-estate,
#logistics,
#family-business,
#professional-services {
    scroll-margin-top: 110px;
}

.pillar-card h3 {
    font-size: 1.25rem;
}

.pillar-card ul {
    margin: 1rem 0 0;
    padding-left: 1rem;
    color: var(--ncia-gray);
}

.article-page {
    background: var(--ncia-white);
}

.article-body {
    color: var(--ncia-charcoal);
}

.article-lead {
    color: var(--ncia-navy);
    font-size: 1.25rem;
    font-weight: 500;
    line-height: 1.8;
}

.article-body h2 {
    margin: 2.5rem 0 1rem;
    font-size: 1.75rem;
}

.article-body h3 {
    margin-bottom: 1rem;
    font-size: 1.1rem;
}

.article-body p {
    color: var(--ncia-gray);
}

.article-summary {
    position: sticky;
    top: 110px;
    padding: 1.5rem;
    background: var(--ncia-off-white);
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
}

.article-summary span {
    display: block;
    margin-bottom: 0.75rem;
    color: var(--ncia-gray);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.article-summary h2 {
    margin-bottom: 0.75rem;
    font-size: 1.35rem;
}

.article-summary p,
.article-summary li {
    color: var(--ncia-gray);
}

.article-summary ul {
    margin: 1rem 0 0;
    padding-left: 1.1rem;
}

.article-compare-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1.25rem;
    margin: 1.5rem 0 2rem;
}

.article-compare-grid > div,
.breath-panel {
    padding: 1.5rem;
    background: var(--ncia-off-white);
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
}

.article-table-wrap {
    overflow-x: auto;
    margin: 1.25rem 0 0.7rem;
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
}

.article-cost-table {
    width: 100%;
    min-width: 560px;
    border-collapse: collapse;
}

.article-cost-table th,
.article-cost-table td {
    padding: 1rem;
    border-bottom: 1px solid var(--ncia-line);
    text-align: left;
}

.article-cost-table th {
    background: var(--ncia-navy);
    color: #fff;
    font-size: 0.85rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
}

.article-cost-table tr:last-child td {
    border-bottom: 0;
}

.article-note {
    font-size: 0.92rem;
}

.breath-panel {
    margin: 2rem 0;
}

.breath-panel h2 {
    margin-top: 0;
}

.breath-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.85rem;
    margin-top: 1.25rem;
}

.breath-grid div {
    min-height: 112px;
    padding: 1rem;
    background: #fff;
    border: 1px solid var(--ncia-line);
    border-radius: 8px;
}

.breath-grid strong,
.breath-grid span {
    display: block;
}

.breath-grid strong {
    color: var(--ncia-red);
    font-size: 1.8rem;
    line-height: 1;
}

.breath-grid span {
    margin-top: 0.55rem;
    color: var(--ncia-navy);
    font-weight: 700;
    line-height: 1.35;
}

#newsletterForm {
    align-items: stretch;
}

.footer-actions,
.social-links {
    display: flex;
    flex-wrap: wrap;
    gap: 0.8rem;
}

footer {
    padding: 4.5rem 0 1.5rem;
    background: #061625;
    color: rgba(255, 255, 255, 0.72);
}

footer h6 {
    margin-bottom: 1rem;
    color: #fff;
    font-family: "Roboto", Arial, sans-serif;
    font-size: 0.86rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

.footer-logo {
    display: block;
    width: auto;
    height: 54px;
    object-fit: contain;
}

.footer-copy {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.94rem;
    line-height: 1.8;
}

.footer-signature {
    color: #fff;
    font-family: "Roboto", Arial, sans-serif;
    font-size: 1.25rem;
}

.footer-links li + li {
    margin-top: 0.5rem;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
}

.footer-links a:hover {
    color: #fff;
}

.footer-bottom {
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.5);
}

.social-link {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 38px;
    height: 38px;
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 50%;
}

.social-icon {
    width: 18px;
    height: 18px;
    object-fit: contain;
    opacity: 0.78;
}

.scroll-top-button {
    position: fixed;
    right: 1.4rem;
    bottom: 1.4rem;
    z-index: 1050;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 50px;
    height: 50px;
    border: 0;
    border-radius: 50%;
    background: var(--ncia-red);
    color: #fff;
    box-shadow: 0 14px 30px rgba(11, 31, 51, 0.2);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(12px);
    transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
}

.scroll-top-button.is-visible {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
}

.mobile-sticky-cta {
    display: none;
}

.reveal-on-scroll {
    opacity: 0;
    transform: translateY(28px);
    transition: opacity 0.55s ease, transform 0.55s ease;
}

.reveal-on-scroll.is-visible {
    opacity: 1;
    transform: translateY(0);
}

.stagger-group > * {
    --ncia-stagger-step: 0;
}

.stagger-group > *:nth-child(1) { --ncia-stagger-step: 1; }
.stagger-group > *:nth-child(2) { --ncia-stagger-step: 2; }
.stagger-group > *:nth-child(3) { --ncia-stagger-step: 3; }
.stagger-group > *:nth-child(4) { --ncia-stagger-step: 4; }
.stagger-group > *:nth-child(5) { --ncia-stagger-step: 5; }
.stagger-group > *:nth-child(6) { --ncia-stagger-step: 6; }

.stagger-group > .reveal-on-scroll,
.stagger-group > * .reveal-on-scroll {
    transition-delay: calc(var(--ncia-stagger-step, 0) * 75ms);
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        animation: none !important;
        transition: none !important;
    }

    .reveal-on-scroll,
    .hero-content {
        opacity: 1 !important;
        transform: none !important;
    }
}

@media (max-width: 1199px) {
    .hero-tagline {
        font-size: 3.4rem;
    }

    .nav-link {
        margin-left: 0.65rem;
    }

    .industry-strip {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }
}

@media (max-width: 991px) {
    .navbar-collapse {
        margin-top: 1rem;
        padding: 1rem;
        background: rgba(11, 31, 51, 0.98);
        border: 1px solid rgba(255, 255, 255, 0.12);
        border-radius: 8px;
    }

    .nav-link {
        margin: 0;
        padding: 0.7rem 0;
    }

    .nav-item-cta {
        margin: 0.75rem 0 0;
        width: 100%;
    }

    .btn-nav-cta {
        width: 100%;
    }

    .hero-section {
        min-height: auto;
        padding: 8rem 0 4rem;
    }

    .home-hero {
        min-height: 760px;
        padding: 8.5rem 0 5rem;
    }

    .hero-tagline {
        font-size: 3rem;
    }

    .credibility-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .trust-grid {
        grid-template-columns: 1fr;
    }

    .industry-strip {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .article-compare-grid,
    .breath-grid {
        grid-template-columns: 1fr;
    }

    .article-summary {
        position: static;
    }

    .metric-grid {
        grid-template-columns: 1fr;
    }

    .about-history-copy {
        max-width: none;
    }

    .about-memory-gallery {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .faq-bubble {
        width: min(100%, 620px);
    }
}

@media (max-width: 767px) {
    body {
        padding-bottom: 68px;
    }

    .section-padding {
        padding: 4.5rem 0;
    }

    .section-title {
        font-size: 2.05rem;
    }

    .section-lead {
        font-size: 1rem;
    }

    .about-history-copy,
    .about-history-copy p:first-child {
        font-size: 1rem;
    }

    .about-photo-grid {
        grid-template-columns: 1fr;
    }

    .about-memory-gallery {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 0.8rem;
        margin-top: 1.8rem;
    }

    .about-mission-panel {
        padding: 1.4rem;
    }

    .hero-tagline {
        font-size: 2.45rem;
    }

    .hero-sub {
        font-size: 1rem;
    }

    .home-hero {
        min-height: 700px;
        padding: 7.5rem 0 4.5rem;
    }

    .hero-actions,
    .client-portal-popup__actions {
        flex-direction: column;
    }

    .hero-actions .btn,
    .client-portal-popup__actions .btn {
        width: 100%;
    }

    .credibility-grid {
        grid-template-columns: 1fr;
    }

    .credibility-grid > div,
    .credibility-grid > div:last-child {
        border-right: 0;
        border-left: 0;
        border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    }

    .problem-item,
    .reality-item,
    .claim-step,
    .process-item {
        grid-template-columns: 1fr;
    }

    .trust-card,
    .reality-panel,
    .legacy-item {
        padding: 1.4rem;
    }

    .legacy-item {
        padding-left: 3.9rem;
    }

    .division-card h3 {
        min-height: auto;
    }

    .industry-strip {
        grid-template-columns: 1fr;
    }

    .section-photo {
        min-height: 260px;
    }

    .story-grid {
        grid-template-columns: 1fr;
    }

    .contact-form,
    .surface-panel,
    .surface-panel-contrast,
    .industry-detail,
    .claims-panel {
        padding: 1.4rem;
    }

    .faq-message,
    .faq-message-question,
    .faq-typing {
        align-items: stretch;
        flex-direction: column;
    }

    .faq-message-question {
        align-items: flex-end;
    }

    .faq-message-answer,
    .faq-typing {
        align-items: flex-start;
    }

    .faq-avatar {
        width: 36px;
        height: 36px;
        flex-basis: 36px;
    }

    .faq-bubble {
        width: calc(100% - 1.2rem);
        padding: 1rem;
    }

    .faq-message-question .faq-bubble::after {
        top: -5px;
        right: 15px;
        bottom: auto;
    }

    .faq-message-answer .faq-bubble::after,
    .faq-typing .faq-bubble::after {
        top: -5px;
        bottom: auto;
        left: 15px;
    }

    .client-portal-popup {
        padding: 1rem;
    }

    .client-portal-popup__dialog {
        grid-template-columns: 1fr;
    }

    .client-portal-popup__media {
        min-height: 200px;
    }

    .client-portal-popup__content {
        padding: 2rem 1.4rem;
    }

    .client-portal-popup__title {
        font-size: 2rem;
    }

    .footer-actions {
        flex-direction: column;
        align-items: stretch;
    }

    #newsletterForm {
        flex-direction: column;
    }

    .scroll-top-button {
        display: none;
    }

    .mobile-sticky-cta {
        position: fixed;
        left: 1rem;
        right: 1rem;
        bottom: 0.8rem;
        z-index: 1060;
        display: flex;
        align-items: center;
        justify-content: center;
        min-height: 50px;
        border-radius: 999px;
        background: var(--ncia-red);
        color: #fff;
        font-weight: 700;
        text-decoration: none;
        box-shadow: 0 16px 36px rgba(11, 31, 51, 0.24);
    }
}