/* ==========================================================================
   Jakelo — marketing site design system
   Palette: ink + teal, paper ground. Editorial display type, disciplined accent.
   ========================================================================== */
:root{
  --ink:#16232e; --ink-2:#25353f; --paper:#f7f9fa; --paper-2:#eef2f3; --card:#ffffff;
  --accent:#0e6e5c; --accent-d:#0b5949; --accent-tint:#eaf3f0;
  --gold:#c98a3c; --muted:#5a6b78; --muted-2:#8494a0;
  --line:#dbe2e6; --line-soft:#e8edf1; --danger:#a33b2e;
  --maxw:1140px; --radius:10px;
  --shadow:0 1px 2px rgba(22,35,46,.04), 0 12px 32px -12px rgba(22,35,46,.14);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);
  font:17px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",system-ui,sans-serif;-webkit-font-smoothing:antialiased}
.display{font-family:"Avenir Next","Avenir","Futura","Segoe UI",system-ui,sans-serif;letter-spacing:-.02em}
img{max-width:100%;display:block}
a{color:var(--accent);text-decoration:none}
a:hover{color:var(--accent-d)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.section{padding:88px 0}
.section.tight{padding:60px 0}
.section.alt{background:var(--card);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.section.ink{background:var(--ink);color:#e9eef1}
.section.ink .eyebrow{color:#6fce b8;color:#79d2bd}
.center{text-align:center}
h1,h2,h3{margin:0 0 .5em;font-weight:600}
h2.display{font-size:clamp(28px,4vw,40px);line-height:1.1}
.lead{font-size:clamp(17px,2vw,20px);color:var(--muted);max-width:60ch}
.section.ink .lead{color:#aebcc4}
.em{color:var(--accent)}
.section.ink .em{color:#7fd8c2}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font:inherit;font-weight:600;font-size:16px;
  border-radius:7px;padding:13px 24px;cursor:pointer;border:1px solid transparent;transition:.15s ease;white-space:nowrap}
.btn.primary{background:var(--ink);color:#fff}
.btn.primary:hover{background:var(--accent);color:#fff}
.btn.accent{background:var(--accent);color:#fff}
.btn.accent:hover{background:var(--accent-d);color:#fff}
.btn.ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn.ghost:hover{border-color:var(--accent);color:var(--accent)}
.btn.light{background:#fff;color:var(--ink)}
.btn.light:hover{background:var(--accent-tint)}
.btn .arw{transition:transform .15s}
.btn:hover .arw{transform:translateX(3px)}

/* ---------- header ---------- */
header.nav{position:sticky;top:0;z-index:40;background:rgba(247,249,250,.86);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line-soft)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{display:flex;align-items:baseline;gap:2px;font-weight:700;font-size:22px;letter-spacing:-.02em;color:var(--ink)}
.logo .dot{color:var(--accent)}
.nav-links{display:flex;align-items:center;gap:28px}
.nav-links a.navlink{color:var(--ink-2);font-size:15px;font-weight:500}
.nav-links a.navlink:hover,.nav-links a.navlink.active{color:var(--accent)}
.nav-cta{display:flex;align-items:center;gap:12px}
.nav-cta .signin{font-size:15px;font-weight:600;color:var(--ink-2)}
.nav-cta .signin:hover{color:var(--accent)}
.menu-btn{display:none;background:none;border:0;font-size:24px;cursor:pointer;color:var(--ink)}
@media(max-width:860px){
  .nav-links{display:none}
  .menu-btn{display:block}
  .nav-links.open{display:flex;position:absolute;top:66px;left:0;right:0;flex-direction:column;align-items:flex-start;
    gap:4px;background:var(--card);border-bottom:1px solid var(--line);padding:14px 24px}
  .nav-links.open a.navlink{padding:8px 0;width:100%}
}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;padding:72px 0 84px;
  background:
    radial-gradient(60% 55% at 80% 6%, rgba(18,180,143,.16), transparent 60%),
    radial-gradient(48% 52% at 99% 74%, rgba(201,138,60,.11), transparent 60%),
    radial-gradient(120% 90% at 85% -10%, var(--accent-tint) 0%, rgba(234,243,240,0) 55%),
    var(--paper)}
.hero .grid{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
.hero h1{font-size:clamp(34px,5.4vw,58px);line-height:1.04;margin-bottom:20px}
.hero p.sub{font-size:clamp(17px,2.2vw,21px);color:var(--muted);max-width:52ch;margin:0 0 30px}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.hero-note{font-size:13.5px;color:var(--muted-2);margin-top:18px}
@media(max-width:860px){.hero .grid{grid-template-columns:1fr;gap:36px}}

/* hero panel: automated-decision mockup */
.panel{background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);overflow:hidden}
.panel .bar{display:flex;align-items:center;gap:7px;padding:12px 16px;border-bottom:1px solid var(--line-soft);background:#fbfcfc}
.panel .bar i{width:10px;height:10px;border-radius:50%;background:var(--line)}
.panel .bar span{margin-left:8px;font-size:12.5px;color:var(--muted-2)}
.panel .body{padding:22px}
.p-row{display:flex;align-items:center;justify-content:space-between;padding:12px 0;border-bottom:1px dashed var(--line-soft)}
.p-row:last-child{border-bottom:0}
.p-row .k{font-size:13.5px;color:var(--muted)}
.p-row .v{font-weight:600}
.p-badge{display:inline-flex;align-items:center;gap:6px;background:var(--accent-tint);color:var(--accent-d);
  font-size:12px;font-weight:700;letter-spacing:.03em;padding:4px 10px;border-radius:20px;text-transform:uppercase}
.p-approve{margin-top:16px;background:var(--accent);color:#fff;border-radius:9px;padding:16px 18px;display:flex;align-items:center;justify-content:space-between}
.p-approve b{font-size:19px}
.p-approve .t{font-size:12.5px;opacity:.85}

/* ---------- trust strip ---------- */
.trust{display:flex;flex-wrap:wrap;gap:14px 40px;justify-content:center;align-items:center;color:var(--muted-2);
  font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}

/* ---------- stat row ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.stat b{display:block;font-size:clamp(30px,4vw,44px);font-weight:600;letter-spacing:-.02em;color:var(--accent)}
.section.ink .stat b{color:#7fd8c2}
.stat span{font-size:14.5px;color:var(--muted)}
.section.ink .stat span{color:#aebcc4}
@media(max-width:720px){.stats{grid-template-columns:1fr 1fr;gap:28px 20px}}

/* ---------- feature grid ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
@media(max-width:860px){.grid-3,.grid-2{grid-template-columns:1fr}}
.feat{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.16s}
.feat:hover{border-color:#c3d3cd;transform:translateY(-2px);box-shadow:var(--shadow)}
.feat .ic{width:44px;height:44px;border-radius:10px;background:var(--accent-tint);color:var(--accent);
  display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px}
.feat h3{font-size:19px;margin-bottom:8px}
.feat p{margin:0;color:var(--muted);font-size:15.5px}

/* ---------- steps timeline ---------- */
.steps{position:relative;max-width:760px;margin:0 auto}
.step{position:relative;display:grid;grid-template-columns:56px 1fr;gap:20px;padding-bottom:34px}
.step:not(:last-child)::before{content:"";position:absolute;left:27px;top:52px;bottom:-2px;width:2px;background:var(--line)}
.step .num{width:56px;height:56px;border-radius:50%;background:var(--card);border:2px solid var(--accent);
  color:var(--accent);font-weight:700;font-size:20px;display:flex;align-items:center;justify-content:center;font-family:"Avenir Next",system-ui}
.step h3{font-size:20px;margin:8px 0 6px}
.step p{margin:0;color:var(--muted)}
.step .when{font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent)}

/* ---------- split feature ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.split.rev .txt{order:2}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:32px}.split.rev .txt{order:0}}
.tick{list-style:none;padding:0;margin:20px 0 0}
.tick li{position:relative;padding:8px 0 8px 30px;color:var(--ink-2)}
.tick li::before{content:"✓";position:absolute;left:0;top:7px;color:var(--accent);font-weight:700}

/* ---------- testimonial ---------- */
.quote{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:var(--radius);padding:28px 30px}
.quote p{font-size:19px;line-height:1.5;margin:0 0 16px;font-weight:500}
.quote .who{font-size:14px;color:var(--muted)}
.quote .who b{color:var(--ink)}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(125deg, var(--accent) 0%, var(--accent-d) 100%);color:#fff;border-radius:16px;
  padding:52px;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 8px}
.cta-band p{margin:0;color:#d6ede7;max-width:52ch}

/* ---------- forms ---------- */
.field{margin-bottom:16px}
.field label{display:block;font-size:13px;font-weight:600;margin-bottom:6px}
.field input,.field textarea,.field select{width:100%;padding:12px 14px;font:inherit;border:1px solid var(--line);border-radius:7px;background:#fff}
.field input:focus,.field textarea:focus,.field select:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.field textarea{min-height:130px;resize:vertical}

/* ---------- FAQ ---------- */
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:0 20px;margin-bottom:12px}
.faq summary{list-style:none;cursor:pointer;padding:18px 0;font-weight:600;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--accent);font-size:22px;font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 0 20px;color:var(--muted)}

/* ---------- footer ---------- */
footer.site{background:var(--ink);color:#aebcc4;padding:60px 0 30px;margin-top:0}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px;padding-bottom:36px;border-bottom:1px solid #2b3b45}
.foot-brand .logo{color:#fff}
.foot-brand p{color:#8fa0aa;font-size:14.5px;max-width:34ch;margin:14px 0 0}
.foot-col h4{color:#fff;font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin:0 0 14px}
.foot-col a{display:block;color:#aebcc4;font-size:14.5px;padding:5px 0}
.foot-col a:hover{color:#fff}
.foot-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;padding-top:24px;font-size:12.5px;color:#7c8d97}
.foot-bottom .legal{max-width:70ch;line-height:1.5}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}

/* reveal on scroll */
@media (prefers-reduced-motion:no-preference){
  .reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
  .reveal.in{opacity:1;transform:none}
}
.mt0{margin-top:0}.mb0{margin-bottom:0}
.page-hero{padding:64px 0 34px;background:radial-gradient(100% 80% at 90% 0%,var(--accent-tint),rgba(234,243,240,0) 60%)}
.page-hero h1{font-size:clamp(32px,5vw,50px);line-height:1.05;margin-bottom:14px}
.page-hero p{font-size:clamp(17px,2vw,20px);color:var(--muted);max-width:60ch;margin:0}

/* ---------- nav dropdown ---------- */
.has-sub{position:relative;display:flex;align-items:center;align-self:stretch}
.has-sub>.navlink{display:inline-flex;align-items:center;gap:6px}
.has-sub>.navlink::after{content:"";width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-3px;opacity:.55}
.submenu{position:absolute;top:100%;left:-14px;min-width:216px;background:var(--card);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;display:none;flex-direction:column;gap:1px;z-index:50}
.has-sub:hover>.submenu,.has-sub:focus-within>.submenu{display:flex}
.submenu a{padding:9px 12px;border-radius:8px;font-size:14.5px;font-weight:500;color:var(--ink-2);white-space:nowrap}
.submenu a:hover,.submenu a:focus-visible{background:var(--paper-2);color:var(--accent)}
@media(max-width:860px){
  .nav-links.open .has-sub{flex-direction:column;align-items:flex-start;width:100%;align-self:auto}
  .nav-links.open .submenu{position:static;display:flex;border:0;box-shadow:none;padding:2px 0 8px 14px;background:transparent;min-width:0}
  .nav-links.open .submenu a{padding:7px 0}
  .has-sub>.navlink::after{display:none}
}

/* ---------- compare cards ---------- */
.feat.compare-trad{background:var(--paper-2);border-color:var(--line)}
.feat.compare-trad h3{color:var(--muted)}
.feat.compare-trad .tick li::before{color:var(--muted-2)}
.feat.compare-jak{border-color:var(--accent);box-shadow:0 0 0 1px var(--accent) inset, var(--shadow)}
.feat.compare-jak h3{color:var(--accent)}

/* ============ hero: mesh-gradient glow + underwriting card ============ */
.hero{isolation:isolate}
.hero-fx{position:absolute;inset:0;z-index:0;pointer-events:none}
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.55'/%3E%3C/svg%3E")}
.hero > .wrap{position:relative;z-index:1}

.uwcard{position:relative;border-radius:22px;padding:22px 22px 20px;transform:translateZ(0);
  background:linear-gradient(#fff,#fff) padding-box,
    linear-gradient(140deg,rgba(18,180,143,.65),rgba(201,138,60,.5) 55%,rgba(11,89,73,.6)) border-box;
  border:1.5px solid transparent;
  box-shadow:0 34px 70px -28px rgba(11,60,50,.42),0 10px 26px -16px rgba(11,60,50,.28)}
@media (prefers-reduced-motion:no-preference){.uwcard{animation:uwFloat 7.5s ease-in-out infinite}}
@keyframes uwFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}

.uw-head{display:flex;align-items:center;gap:9px;padding:0 2px 15px;border-bottom:1px solid var(--line-soft)}
.uw-dots{display:flex;gap:5px}
.uw-dots i{width:9px;height:9px;border-radius:50%}
.uw-dots i:nth-child(1){background:#e7b1a6}.uw-dots i:nth-child(2){background:#ecd3a1}.uw-dots i:nth-child(3){background:#a9d8c9}
.uw-title{font-size:12.5px;color:var(--muted-2);font-weight:500}
.uw-live{margin-left:auto;display:inline-flex;align-items:center;gap:6px;font-size:10.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent)}
.uw-live i{width:7px;height:7px;border-radius:50%;background:var(--accent)}
@media (prefers-reduced-motion:no-preference){.uw-live i{animation:uwPulse 1.8s ease-out infinite}}
@keyframes uwPulse{0%{box-shadow:0 0 0 0 rgba(14,110,92,.55)}70%{box-shadow:0 0 0 8px rgba(14,110,92,0)}100%{box-shadow:0 0 0 0 rgba(14,110,92,0)}}

.uw-main{display:flex;align-items:center;gap:22px;padding:20px 2px}
.uw-gauge{position:relative;width:118px;height:118px;flex:0 0 auto}
.uw-gauge svg{width:118px;height:118px;transform:rotate(-90deg);overflow:visible}
.uw-track{fill:none;stroke:var(--paper-2);stroke-width:9}
.uw-arc{fill:none;stroke:url(#uwg);stroke-width:9;stroke-linecap:round;stroke-dasharray:326.7;stroke-dashoffset:41.6;
  filter:drop-shadow(0 3px 6px rgba(14,110,92,.28))}
.uw-gauge-c{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.uw-gauge-c b{font-size:35px;font-weight:700;letter-spacing:-.03em;color:var(--ink);line-height:1;font-variant-numeric:tabular-nums}
.uw-gauge-c span{font-size:9.5px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted-2);margin-top:5px}

.uw-side{flex:1;display:flex;flex-direction:column;gap:16px;min-width:0}
.uw-badge{align-self:flex-start;display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:13.5px;color:var(--accent-d);
  background:var(--accent-tint);border-radius:999px;padding:7px 14px 7px 12px}
.uw-badge::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 3px rgba(14,110,92,.14)}
.uw-sub{display:block;font-size:12.5px;color:var(--muted);margin-top:7px}
.uw-sub em{font-style:normal;font-weight:600;color:var(--ink-2);font-variant-numeric:tabular-nums}
.uw-rate b{display:inline-block;white-space:nowrap;font-size:27px;font-weight:700;letter-spacing:-.02em;color:var(--ink);line-height:1;font-variant-numeric:tabular-nums}
.uw-rate b small{font-size:15px;font-weight:600;color:var(--muted);margin-left:1px}
.uw-rate span{display:block;font-size:9.5px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted-2);margin-top:4px}

.uw-rows{list-style:none;margin:0;padding:16px 2px 2px;border-top:1px solid var(--line-soft);display:grid;gap:12px}
.uw-rows li{display:flex;align-items:center;gap:12px;font-size:14px;color:var(--ink-2)}
.uw-chk{flex:0 0 auto;width:22px;height:22px;border-radius:50%;background:var(--accent);display:grid;place-items:center}
.uw-chk svg{width:13px;height:13px;fill:none;stroke:#fff;stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:26;stroke-dashoffset:0}

/* animated start-states (JS adds .anim only when motion allowed) */
.uwcard.anim .uw-arc{stroke-dashoffset:326.7}
.uwcard.anim .uw-chk{background:var(--paper-2);transition:background .35s ease}
.uwcard.anim .uw-chk svg{stroke-dashoffset:26}
.uwcard.anim .uw-rows li{opacity:0;transform:translateX(12px)}
.uwcard.anim .uw-rows li.in{opacity:1;transform:none;transition:opacity .5s ease,transform .55s cubic-bezier(.2,.9,.3,1.25)}
.uwcard.anim .uw-rows li.done .uw-chk{background:var(--accent)}
.uwcard.anim .uw-rows li.done .uw-chk svg{stroke-dashoffset:0;transition:stroke-dashoffset .45s ease .06s}
.uwcard.anim .uw-verdict,.uwcard.anim .uw-rate{opacity:0;transform:translateY(9px)}
.uwcard.anim .uw-verdict.in,.uwcard.anim .uw-rate.in{opacity:1;transform:none;transition:opacity .6s ease,transform .6s cubic-bezier(.2,.9,.3,1.2)}

@media(max-width:860px){.uw-main{gap:16px}.uwcard{padding:18px}}