/* ============================================================
   MPG Owner Services — shared stylesheet
   Brand: MPG Brand Blue #095495 + neutrals, system font stack.
   Source: wiki MPG Brand Card (id 770) + Brand Guidelines (id 227).
   Used by the hub page + 5 pillar detail pages.
   ============================================================ */
:root{
  --blue:#095495;           /* MPG Brand Blue (primary) */
  --blue-soft:#0c66ad;
  --blue-deep:#063a68;
  --blue-deeper:#04284a;    /* hero / footer darkest */
  --tint:#a8cdef;           /* accent on dark */
  --sky:#eaf2fb;            /* light blue wash */
  --bg:#f4f5f7;             /* page background */
  --card:#ffffff;
  --ink:#0f1b2d;            /* headings */
  --body:#374151;           /* paragraphs */
  --secondary:#475569;
  --muted:#94a3b8;
  --line:#e2e8f0;
  --shadow:0 16px 44px rgba(9,84,149,.13);
  --shadow-sm:0 4px 16px rgba(15,27,45,.07);
  --maxw:1140px;
  --sys:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sys);color:var(--body);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--sys);color:var(--ink);line-height:1.18;font-weight:800;letter-spacing:-.02em}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-weight:700;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:16px;display:block}
.eyebrow.on-dark{color:var(--tint)}
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--sys);font-weight:700;font-size:15px;padding:15px 28px;border-radius:7px;cursor:pointer;border:1.5px solid transparent;transition:all .18s ease;white-space:nowrap}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-soft);transform:translateY(-1px)}
.btn-light{background:#fff;color:var(--blue)}
.btn-light:hover{background:var(--sky);transform:translateY(-1px)}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}

/* ---------- HEADER ---------- */
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:95px}
.nav-brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
.nav-brand img{height:38px;width:38px;display:block}
.nav-brand .nb-name{font-weight:800;font-size:16px;color:var(--blue);letter-spacing:-.01em;line-height:1.1;white-space:nowrap}
.nav-brand .nb-sub{font-size:11px;color:var(--muted);font-weight:600;letter-spacing:.04em;text-transform:uppercase;white-space:nowrap;line-height:1.1}
.nav-brand>span{line-height:1.1;display:inline-block}
.nav-menu{display:flex;gap:20px;font-size:14.5px;font-weight:600;color:var(--ink)}
.nav-menu a:hover{color:var(--blue)}
.nav-burger{display:none;cursor:pointer;width:42px;height:42px;border-radius:10px;align-items:center;justify-content:center;color:var(--blue);border:1px solid var(--line);background:#fff}
.nav-burger:hover{background:var(--sky)}
.nav-burger svg{width:24px;height:24px}
.nav-toggle{position:absolute;width:1px;height:1px;opacity:0;overflow:hidden;pointer-events:none}
.menu-cta{display:none}
@media (max-width:1024px){
  .nav{position:relative;justify-content:flex-start}
  .nav-brand{margin-right:auto}
  .nav-menu{display:none}
  .nav-phone{display:none}
  .nav-actions{order:4}
  .nav-burger{display:flex;order:5;margin-left:14px}
  .nav-toggle:checked ~ .nav-menu{display:flex;flex-direction:column;position:absolute;top:100%;left:0;right:0;background:#fff;padding:10px 26px 18px;box-shadow:0 18px 34px rgba(15,27,45,.13);border-top:1px solid var(--line);z-index:60}
  .nav-toggle:checked ~ .nav-menu a{padding:14px 2px;border-bottom:1px solid var(--line);font-size:16px}
  .nav-toggle:checked ~ .nav-menu a:last-child{border-bottom:none}
}
.nav-actions{display:flex;align-items:center;gap:16px;flex-shrink:0}
.nav-phone{font-weight:700;color:var(--blue);font-size:14px;display:flex;align-items:center;gap:7px;white-space:nowrap}
.nav-phone svg{width:16px;height:16px}
.nav-actions .btn-primary{padding:11px 22px;font-size:14px}

/* ---------- HERO (hub) ---------- */
.hero{position:relative;background:linear-gradient(160deg,var(--blue-deep) 0%,var(--blue-deeper) 70%);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;opacity:.06;pointer-events:none;background-image:radial-gradient(circle at 1px 1px,#fff 1px,transparent 0);background-size:32px 32px}
.hero-inner{position:relative;z-index:2;padding:92px 24px 84px;max-width:var(--maxw);margin:0 auto}
.hero h1{color:#fff;font-size:clamp(33px,5vw,58px);max-width:17ch;letter-spacing:-.025em}
.hero .lede{font-size:clamp(17px,2.1vw,20px);color:#cfe0f0;max-width:55ch;margin:22px 0 34px;line-height:1.6}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.hero-note{margin-top:22px;color:var(--tint);font-size:14px;font-weight:600;letter-spacing:.01em}
.hero-tag{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--tint);border:1px solid rgba(168,205,239,.35);border-radius:30px;padding:6px 16px;margin-bottom:22px}

/* ---------- TRUST STRIP ---------- */
.trust{background:var(--blue-deeper);border-top:1px solid rgba(255,255,255,.08)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-cell{padding:26px 20px;text-align:center;border-right:1px solid rgba(255,255,255,.09)}
.trust-cell:last-child{border-right:none}
.trust-num{font-size:30px;color:#fff;font-weight:800;line-height:1;letter-spacing:-.02em}
.trust-num span{color:var(--tint)}
.trust-lbl{color:#9fb3c9;font-size:13px;margin-top:9px}

/* ---------- INTRO ---------- */
.intro{padding:84px 0 26px;text-align:center}
.intro h2{font-size:clamp(26px,3.6vw,40px);max-width:24ch;margin:0 auto;color:var(--ink)}
.intro p{max-width:64ch;margin:20px auto 0;font-size:17px;color:var(--body)}

/* ---------- CONTRAST TABLE ---------- */
.contrast{padding:34px 0 80px}
.contrast-table{max-width:940px;margin:0 auto;background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);overflow:hidden}
.contrast-head,.contrast-row{display:grid;grid-template-columns:1.1fr 1.3fr 1.6fr}
.contrast-head{background:var(--blue);color:#fff}
.contrast-head>div{padding:17px 22px;font-weight:700;font-size:12px;letter-spacing:.1em;text-transform:uppercase}
.ch-typical{color:#b9d2ea}
.ch-meliora{color:#fff;background:rgba(255,255,255,.12)}
.contrast-row{border-top:1px solid var(--line)}
.contrast-row>div{padding:17px 22px;font-size:15px;line-height:1.5}
.cr-label{font-weight:700;color:var(--ink)}
.cr-typical{color:var(--muted)}
.cr-meliora{color:var(--body);background:var(--sky);border-left:1px solid var(--line)}
.cr-meliora b{color:var(--blue);font-weight:700}
.contrast-foot{text-align:center;max-width:56ch;margin:28px auto 0;font-size:16px;color:var(--ink);font-weight:600}

/* ---------- PULL QUOTE ---------- */
.pq{padding:62px 0;background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.pq.tint{background:var(--sky)}
.pq-inner{max-width:880px;margin:0 auto;text-align:center;padding:0 24px;position:relative}
.pq-inner::before{content:"";display:block;width:46px;height:4px;background:var(--blue);border-radius:3px;margin:0 auto 26px}
.pq blockquote{font-size:clamp(23px,3.3vw,33px);font-weight:800;color:var(--ink);line-height:1.3;letter-spacing:-.02em}
.pq cite{display:block;margin-top:18px;font-style:normal;font-size:14px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}

/* ---------- PILLARS ---------- */
.pillar{padding:62px 0;border-top:1px solid var(--line)}
.pillar.alt{background:var(--card)}
.pillar-head{display:flex;align-items:flex-start;gap:18px;margin-bottom:18px;max-width:780px}
.pillar-ic{flex:0 0 auto;width:52px;height:52px;border-radius:12px;background:var(--blue);display:flex;align-items:center;justify-content:center;color:#fff;box-shadow:var(--shadow-sm)}
.pillar-ic svg{width:25px;height:25px}
.pillar-head h3{font-size:clamp(23px,3vw,31px)}
.pillar-kicker{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);display:block;margin-bottom:7px}
.pillar-lede{font-size:17px;color:var(--body);max-width:72ch;margin-bottom:28px}
.pillar-lede strong{color:var(--ink);font-weight:700}
.feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px 30px}
.feature{display:flex;gap:13px;align-items:flex-start;padding:3px 0}
.feature .tick{flex:0 0 auto;width:22px;height:22px;border-radius:50%;background:var(--sky);display:flex;align-items:center;justify-content:center;margin-top:2px}
.feature .tick svg{width:13px;height:13px;color:var(--blue)}
.feature p{font-size:15.5px;color:var(--body)}
.feature p b{color:var(--ink);font-weight:700}
.learn-more{display:inline-flex;align-items:center;gap:8px;margin-top:26px;font-weight:700;font-size:15px;color:var(--blue);border-bottom:2px solid transparent;transition:border .15s;padding-bottom:2px}
.learn-more:hover{border-color:var(--blue)}

/* ---------- GUEST CALL SPOTLIGHT ---------- */
.spotlight{background:linear-gradient(160deg,var(--blue) 0%,var(--blue-deep) 100%);color:#fff;padding:78px 0;text-align:center;position:relative;overflow:hidden}
.spotlight::after{content:"";position:absolute;inset:0;opacity:.07;background-image:radial-gradient(circle at 1px 1px,#fff 1px,transparent 0);background-size:30px 30px;pointer-events:none}
.spotlight .inner{position:relative;z-index:2;max-width:760px;margin:0 auto;padding:0 24px}
.spotlight .eyebrow{color:var(--tint)}
.spotlight h2{color:#fff;font-size:clamp(27px,4vw,42px);max-width:18ch;margin:0 auto;letter-spacing:-.025em}
.spotlight p{color:#d4e4f4;font-size:18px;max-width:56ch;margin:22px auto 0;line-height:1.6}
.spotlight .ask{margin-top:18px;font-size:16px;color:#fff;font-weight:600}
.spot-stats{display:flex;justify-content:center;gap:48px;margin:38px 0 6px;flex-wrap:wrap}
.spot-stat .n{font-size:46px;font-weight:800;color:#fff;line-height:1;letter-spacing:-.02em}
.spot-stat .l{font-size:13px;color:var(--tint);margin-top:8px;letter-spacing:.03em}
.spot-divider{width:1px;background:rgba(255,255,255,.2)}

/* ---------- ECON ---------- */
.econ{background:var(--card);padding:78px 0;border-top:1px solid var(--line)}
.econ-top{max-width:760px;margin-bottom:34px}
.econ h2{font-size:clamp(26px,3.6vw,38px);max-width:20ch;color:var(--ink)}
.econ .lede{color:var(--body);font-size:17px;max-width:64ch;margin-top:18px}
.econ-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.econ-card{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:26px 24px}
.econ-card h4{color:var(--ink);font-size:18px;margin-bottom:10px;display:flex;align-items:center;gap:9px}
.econ-card h4 .mk{color:var(--blue);font-weight:800}
.econ-card p{color:var(--secondary);font-size:14.5px}

/* ---------- COMPARE TEASER ---------- */
.compare{padding:80px 0;text-align:center;background:var(--bg)}
.compare h2{font-size:clamp(25px,3.4vw,36px);max-width:24ch;margin:0 auto 16px;color:var(--ink)}
.compare>.wrap>p{max-width:62ch;margin:0 auto 30px;font-size:17px;color:var(--body)}
.compare-card{max-width:720px;margin:0 auto;background:var(--card);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:40px 36px}

/* ---------- FINAL CTA ---------- */
.cta{padding:88px 0;background:var(--blue-deeper);color:#fff}
.cta-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.cta .eyebrow{color:var(--tint)}
.cta h2{font-size:clamp(28px,3.8vw,42px);max-width:16ch;color:#fff}
.cta .lede{font-size:17px;margin:18px 0 28px;max-width:46ch;color:#cfe0f0}
.cta-methods{display:flex;flex-direction:column;gap:14px}
.cta-method{display:flex;align-items:center;gap:14px;font-size:16px;color:#fff}
.cta-method .mic{width:46px;height:46px;border-radius:10px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);display:flex;align-items:center;justify-content:center;color:var(--tint);flex:0 0 auto}
.cta-method .mic svg{width:20px;height:20px}
.cta-method b{display:block;font-size:17px;color:#fff;font-weight:700}
.cta-method span{font-size:13px;color:#9fb3c9;font-weight:400}
.form-card{background:var(--card);border-radius:16px;box-shadow:var(--shadow);padding:34px 32px}
.form-card h3{font-size:22px;margin-bottom:6px;color:var(--ink)}
.form-card .sub{font-size:14px;color:var(--muted);margin-bottom:22px}
.field{margin-bottom:15px}
.field label{display:block;font-size:13px;font-weight:700;color:var(--ink);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:8px;font-family:inherit;font-size:15px;color:var(--ink);background:var(--bg);transition:border .15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-card .btn{width:100%;justify-content:center;margin-top:8px}
.form-note{font-size:12px;color:var(--muted);text-align:center;margin-top:14px}

/* ---------- FOOTER ---------- */
footer.site{background:#021c34;color:#9fb3c9;padding:50px 0 40px;font-size:14px}
.foot-grid{display:flex;justify-content:space-between;align-items:flex-start;gap:30px;flex-wrap:wrap}
footer.site img.flogo{height:34px;margin-bottom:14px}
footer.site .tagline{color:var(--tint);font-weight:700;letter-spacing:.02em;margin-bottom:6px}
footer.site a{color:#cfe0f0}
.foot-nap{text-align:right;line-height:1.8}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:20px;font-size:12.5px;color:#6f86a0;text-align:center}

/* ============================================================
   SECONDARY (PILLAR DETAIL) PAGES
   ============================================================ */
.subhero{background:linear-gradient(160deg,var(--blue-deep) 0%,var(--blue-deeper) 75%);color:#fff;position:relative;overflow:hidden}
.subhero::after{content:"";position:absolute;inset:0;opacity:.06;pointer-events:none;background-image:radial-gradient(circle at 1px 1px,#fff 1px,transparent 0);background-size:32px 32px}
.subhero-inner{position:relative;z-index:2;max-width:var(--maxw);margin:0 auto;padding:62px 24px 70px}
.crumb{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;color:var(--tint);margin-bottom:24px}
.crumb a{color:var(--tint)}
.crumb a:hover{text-decoration:underline}
.subhero .sh-ic{width:56px;height:56px;border-radius:13px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;color:#fff;margin-bottom:22px}
.subhero .sh-ic svg{width:28px;height:28px}
.subhero .eyebrow{color:var(--tint)}
.subhero h1{color:#fff;font-size:clamp(30px,4.4vw,48px);max-width:20ch;letter-spacing:-.025em}
.subhero p{color:#cfe0f0;font-size:clamp(16px,2vw,19px);max-width:60ch;margin-top:20px;line-height:1.6}

/* detail body */
.detail{padding:70px 0}
.detail-lead{max-width:740px;margin:0 auto 46px;text-align:center}
.detail-lead h2{font-size:clamp(24px,3.2vw,34px);color:var(--ink);margin-bottom:16px}
.detail-lead p{font-size:17px;color:var(--body)}
.detail-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;max-width:980px;margin:0 auto}
.dcard{background:var(--card);border:1px solid var(--line);border-radius:13px;padding:28px 26px;box-shadow:var(--shadow-sm)}
.dcard .dc-ic{width:42px;height:42px;border-radius:10px;background:var(--sky);display:flex;align-items:center;justify-content:center;color:var(--blue);margin-bottom:15px}
.dcard .dc-ic svg{width:21px;height:21px}
.dcard h3{font-size:19px;color:var(--ink);margin-bottom:9px;letter-spacing:-.01em}
.dcard p{font-size:15px;color:var(--secondary)}

/* sibling nav */
.siblings{background:var(--card);border-top:1px solid var(--line);padding:64px 0}
.siblings h2{text-align:center;font-size:clamp(22px,3vw,30px);color:var(--ink);margin-bottom:8px}
.siblings .sub{text-align:center;color:var(--muted);font-size:15px;margin-bottom:36px}
.sib-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1000px;margin:0 auto}
.sib{display:block;background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:22px 20px;transition:all .18s ease}
.sib:hover{border-color:var(--blue);box-shadow:var(--shadow-sm);transform:translateY(-2px)}
.sib .sib-ic{width:38px;height:38px;border-radius:9px;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;margin-bottom:13px}
.sib .sib-ic svg{width:19px;height:19px}
.sib h4{font-size:16px;color:var(--ink);margin-bottom:5px}
.sib p{font-size:13px;color:var(--muted)}

/* mid-page CTA band (secondary pages) */
.midcta{background:linear-gradient(160deg,var(--blue) 0%,var(--blue-deep) 100%);color:#fff;text-align:center;padding:66px 24px}
.midcta h2{color:#fff;font-size:clamp(24px,3.4vw,34px);max-width:20ch;margin:0 auto 14px}
.midcta p{color:#d4e4f4;font-size:17px;max-width:50ch;margin:0 auto 28px}
.midcta .btn-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- REVIEWS STRIP ---------- */
.reviews{padding:78px 0;background:var(--bg)}
.reviews .rev-head{text-align:center;max-width:660px;margin:0 auto 42px}
.reviews .rev-head h2{font-size:clamp(25px,3.4vw,36px);color:var(--ink);margin-bottom:14px}
.reviews .rev-head p{font-size:17px;color:var(--body)}
.review-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.rev-card{background:var(--card);border:1px solid var(--line);border-radius:13px;padding:24px 22px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column}
.rev-stars{color:#f5a623;font-size:15px;letter-spacing:3px;margin-bottom:13px}
.rev-text{font-size:15px;color:var(--ink);line-height:1.55;flex:1}
.rev-by{margin-top:16px;font-size:12.5px;color:var(--muted);font-weight:600}
.reviews .rev-more{text-align:center;margin-top:36px;font-size:15px;color:var(--secondary)}
.reviews .rev-more a{color:var(--blue);font-weight:700}

/* ---------- RESPONSIVE ---------- */
@media (max-width:1000px){.review-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:900px){
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .trust-cell:nth-child(2){border-right:none}
  .trust-cell:nth-child(1),.trust-cell:nth-child(2){border-bottom:1px solid rgba(255,255,255,.09)}
  .econ-cards{grid-template-columns:1fr}
  .cta-grid{grid-template-columns:1fr;gap:36px}
  .feature-grid{grid-template-columns:1fr}
  .foot-grid{flex-direction:column}
  .foot-nap{text-align:left}
  .detail-grid{grid-template-columns:1fr}
  .sib-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:720px){
  .contrast-head{display:none}
  .contrast-row{grid-template-columns:1fr;padding:8px 0}
  .contrast-row>div{padding:9px 20px}
  .cr-label{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--blue);padding-bottom:2px}
  .cr-typical::before{content:"Typical: ";font-weight:700;color:var(--muted)}
  .cr-meliora{border-left:none;border-top:1px dashed var(--line);margin:0 20px;padding-left:0;padding-right:0;background:transparent}
  .cr-meliora::before{content:"MPG: ";font-weight:700;color:var(--blue)}
  .spot-divider{display:none}
}
@media (max-width:600px){
  .nav-brand .nb-sub{display:none}
  .nav-phone span{display:none}
  /* Phone header: drop the top-bar CTA (it overflowed next to the burger) and
     surface it inside the open hamburger menu instead. */
  .nav-actions{display:none}
  .nav-toggle:checked ~ .nav-menu .menu-cta{display:block;margin-top:12px;background:var(--blue);color:#fff;text-align:center;border-radius:10px;padding:13px 18px;font-weight:700;border-bottom:none}
  .nav-toggle:checked ~ .nav-menu .menu-cta:hover{color:#fff}
  .hero-inner{padding:64px 24px 58px}
  .field-row{grid-template-columns:1fr}
  .pillar-head{flex-direction:column;gap:14px}
  .sib-grid{grid-template-columns:1fr}
  .review-grid{grid-template-columns:1fr}
}

/* Footer brand social row (added at go-live) */
.foot-social{display:flex;flex-wrap:wrap;align-items:center;gap:10px 24px;padding:18px 0 2px;margin-top:10px;border-top:1px solid rgba(255,255,255,.14)}
.foot-social .fs-lab{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;opacity:.7}
.foot-social .fs-brand{display:inline-flex;align-items:center;gap:9px;font-size:14px}
.foot-social .fs-brand b{font-weight:600;opacity:.92}
.foot-social a{display:inline-flex;width:30px;height:30px;align-items:center;justify-content:center;border-radius:50%;background:rgba(255,255,255,.12);color:#fff;transition:background .2s ease,transform .2s ease}
.foot-social a:hover{background:#095495;transform:translateY(-1px)}
.foot-social svg{width:16px;height:16px;display:block}
@media(max-width:600px){.foot-social{gap:12px 16px}.foot-social .fs-lab{width:100%;margin-bottom:2px}}