@media(max-width:1199px){
  .site-header{--header-logo-desktop-min:420px}
  .header-shell{min-height:134px;padding:3px 20px}
  .site-header.is-scrolled .header-shell{min-height:132px;padding-block:3px}
  .nav-inner{min-height:50px;padding-inline:12px;gap:0}
  .site-header.is-scrolled .nav-inner{min-height:48px}
  .site-nav a{padding:10px clamp(6px,.68vw,9px);font-size:clamp(.75rem,1.03vw,.82rem)}
  .site-nav .nav-quote{margin-left:5px;padding-inline:13px}
}
@media(max-width:1120px){
  .enrollment-countdown-inner,.enrollment-countdown-compact .enrollment-countdown-inner{grid-template-columns:minmax(0,1fr) minmax(250px,.42fr);gap:18px}
  .enrollment-copy{gap:14px}
  .enrollment-units{grid-template-columns:repeat(4,minmax(68px,1fr));gap:7px}
  .enrollment-unit{padding-inline:7px}
  .page-hero{min-height:560px;grid-template-columns:1fr 1fr;gap:42px;padding-top:60px}
  .hero-media,.hero-art{height:470px}
  .steps-grid{grid-template-columns:1fr 1fr}
  .pathways{grid-template-columns:1fr}
  .four-up{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1.4fr 1fr 1fr}
  .footer-grid>div:last-child{grid-column:2/-1}
}
@media(max-width:1023px){
  .site-header,.site-header.is-scrolled{--mobile-header-height:112px;padding-inline:0;display:block}
  .header-shell{max-width:1400px;min-height:var(--mobile-header-height);margin:auto;padding:7px 22px}
  .site-header.is-scrolled .header-shell{min-height:var(--mobile-header-height)}
  .header-shell .brand img,.site-header.is-scrolled .header-shell .brand img{width:300px}
  .header-phone,.desktop-language{display:none}
  .menu-toggle{display:block}
  .site-nav{position:fixed;inset:var(--mobile-header-height) 0 auto;max-height:calc(100vh - var(--mobile-header-height));overflow:auto;display:none;border-top:3px solid var(--brand-orange-light);background:rgba(255,255,255,.985);box-shadow:0 24px 55px -32px rgba(16,42,67,.46);backdrop-filter:blur(18px)}
  .site-nav.is-open{display:block}
  .nav-inner{max-width:760px;padding:20px 22px 28px;display:grid;grid-template-columns:1fr 1fr;align-items:stretch;gap:5px}
  .site-header.is-scrolled .nav-inner{min-height:0}
  .site-nav a{padding:13px 14px;color:var(--navy);font-size:.9rem;text-shadow:none}
  .site-nav a:hover,.site-nav a[aria-current=page]{color:var(--navy);background:var(--aqua-soft)}
  .site-nav .nav-supplemental{display:block}
  .site-nav .nav-quote{margin:8px 0 0;grid-column:1/-1;text-align:center}
  .mobile-language{max-width:716px;margin:0 auto;padding:0 22px 24px;display:flex;align-items:center;justify-content:space-between;gap:14px}
  .mobile-language>span{font-size:.78rem;font-weight:850;letter-spacing:.1em;text-transform:uppercase}
  .mobile-language>div{display:flex;gap:6px}
  .mobile-language button{min-width:60px;min-height:44px;padding:9px 11px;border:1px solid rgba(11,99,229,.22);border-radius:11px;background:var(--white);color:var(--navy);font:inherit;font-size:.78rem;font-weight:850;cursor:pointer}
  .mobile-language button[aria-pressed=true]{border-color:var(--brand-orange);background:linear-gradient(135deg,var(--brand-orange),var(--brand-orange-dark));color:var(--white);box-shadow:0 9px 18px -13px rgba(7,29,49,.85)}
  .mobile-language button:focus-visible{outline:3px solid var(--blue-electric);outline-offset:3px;box-shadow:none}
  .enrollment-countdown{padding-inline:20px}
  .enrollment-countdown-inner,.enrollment-countdown-compact .enrollment-countdown-inner{grid-template-columns:minmax(0,1fr) minmax(230px,.38fr)}
  .enrollment-copy{align-items:stretch;flex-direction:column;gap:8px}
  .enrollment-heading{text-align:center}
}
@media(max-width:820px){
  h1{font-size:clamp(2.8rem,11vw,5rem)}
  .header-shell .brand{padding:3px 8px;border-radius:14px}
  .page-hero{min-height:0;padding:48px 20px 58px;grid-template-columns:1fr;gap:35px}
  .hero-copy{max-width:none}
  .hero-media,.hero-art{height:430px}
  .hero-media{transform:none;box-shadow:10px 12px 0 rgba(16,42,67,.10),0 24px 48px -32px rgba(16,42,67,.55)}
  .hero-art>div{left:32px;right:32px}
  .breadcrumb{padding:18px 20px 0}
  .section,.section-tint,.education-band{padding:72px 20px}
  .section{margin:24px 12px}
  .section-tint,.education-band{margin:28px 0}
  .trust-row{padding:0 20px 55px;grid-template-columns:1fr}
  .trust-row div:first-child,.trust-row div:last-child{border-radius:var(--radius-md)}
  .split-intro,.advisor-feature,.image-split,.image-split.reverse,.decision-band,.prepare-grid,.about-layout,.faq-layout,.quote-layout{grid-template-columns:1fr;gap:44px}
  .coverage-grid{grid-template-columns:1fr}
  .coverage-card.large{grid-row:auto;min-height:360px}
  .image-card{min-height:330px}
  .steps-grid{grid-template-columns:1fr 1fr}
  .steps-grid:before{display:none}
  .advisor-monogram{min-height:390px}
  .feature-list>div{grid-template-columns:1fr;gap:7px}
  .comparison-list,.detail-grid{grid-template-columns:1fr 1fr}
  .final-cta{margin:50px 12px;padding:45px 30px;display:block}
  .final-cta .button-row{margin-top:28px}
  .image-split figure{height:390px}
  .link-panels{grid-template-columns:1fr}
  .timeline li{grid-template-columns:72px 1fr;gap:24px}
  .faq-intro,.quote-aside{position:static}
  .contact-layout{grid-template-columns:1fr}
  .contact-card.featured{grid-column:auto}
  .portrait-card{min-height:470px}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
  .footer-brand .brand img{width:200px}
  .footer-grid>div:last-child{grid-column:auto}
  .enrollment-countdown{padding:14px 18px}
  .enrollment-countdown-inner,.enrollment-countdown-compact .enrollment-countdown-inner{grid-template-columns:1fr;gap:11px}
  .enrollment-copy{gap:9px}
  .enrollment-units{grid-template-columns:repeat(4,minmax(0,1fr))}
  .enrollment-actions{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:6px 14px}
  .enrollment-december,.enrollment-outside{flex:1 1 340px;margin:0}
}
@media(max-width:560px){
  body{padding-bottom:78px}
  body[data-page="quote.html"]{padding-bottom:0}
  .site-header,.site-header.is-scrolled{--mobile-header-height:115px}
  .header-shell{padding-inline:14px}
  .header-shell .brand img,.site-header.is-scrolled .header-shell .brand img{width:min(300px,calc(100vw - 112px))}
  .menu-toggle{width:46px;height:46px}
  .nav-inner{grid-template-columns:1fr;padding-inline:14px}
  .site-nav .nav-quote{grid-column:auto}
  .mobile-language{padding-inline:14px;align-items:stretch;flex-direction:column}
  .mobile-language>div{display:grid;grid-template-columns:1fr 1fr 1.35fr}
  .mobile-language button{width:100%}
  .hero-media,.hero-art{height:370px;border-radius:27px}
  .home-hero img{object-position:58% center}
  .family-hero img{object-position:55% center}
  .business-hero img{object-position:56% center}
  .hero-art:before{inset:20px}
  .hero-art>div{left:24px;right:24px;padding:25px}
  .hero-art-ring{right:-10px}
  .button-row{align-items:stretch}
  .button-row .button{width:100%}
  .section,.section-tint,.education-band{padding:62px 18px}
  .coverage-card,.coverage-card.large{min-height:300px;padding:27px}
  .image-card{padding:0;min-height:440px;justify-content:flex-end}
  .image-card img{width:100%;height:48%;top:0}
  .image-card:after{background:linear-gradient(180deg,transparent 28%,var(--white) 50%)}
  .image-card div{width:100%;margin:0;padding:28px}
  .image-card div>span{margin-bottom:18px}
  .steps-grid,.comparison-list,.detail-grid,.four-up{grid-template-columns:1fr}
  .steps-grid li{min-height:230px}
  .advisor-monogram{min-height:330px}
  .advisor-monogram span{width:145px;height:145px;font-size:2.7rem}
  .link-panels a{display:block}
  .link-panels span{display:block;margin-top:8px}
  .image-split figure{height:330px}
  .notice-section{grid-template-columns:1fr;gap:12px}
  .timeline li{grid-template-columns:1fr}
  .timeline li>span{width:54px;height:54px}
  .checklist{columns:1}
  .portrait-card{min-height:400px}
  .portrait-initials{width:150px;height:150px;font-size:2.8rem}
  .quote-form{padding:27px 18px;border-radius:24px}
  .quote-form fieldset{padding:20px 15px}
  .form-grid{grid-template-columns:1fr}
  .form-wide{grid-column:auto}
  .contact-card{min-height:280px;padding:28px}
  .contact-icon{position:static;margin:-4px 0 24px}
  .contact-card h2{max-width:none}
  .legal-hero{padding:70px 18px 35px}
  .legal-page{padding:10px 18px 80px}
  .thank-you{padding:70px 18px}
  .site-footer{padding:60px 18px 28px}
  .footer-grid{grid-template-columns:1fr;gap:36px}
  .footer-brand,.footer-grid>div:last-child{grid-column:auto}
  .footer-brand .brand{padding:8px 11px;border-radius:16px}
  .footer-brand .brand img{width:185px}
  .mobile-actions{position:fixed;z-index:99;left:0;right:0;bottom:0;padding:8px max(8px,env(safe-area-inset-right)) max(8px,env(safe-area-inset-bottom)) max(8px,env(safe-area-inset-left));display:grid;grid-template-columns:1fr 1.45fr;gap:8px;border-top:1px solid var(--line);background:rgba(255,255,255,.97);box-shadow:0 -12px 30px -24px rgba(16,42,67,.62);backdrop-filter:blur(12px)}
  body[data-page="quote.html"] .mobile-actions{display:none}
  .mobile-actions a{min-height:46px;padding:11px 12px;display:flex;align-items:center;justify-content:center;border-radius:12px;text-align:center;text-decoration:none;font-size:.82rem;font-weight:820}
  .mobile-actions a:first-child{border:1px solid rgba(11,99,229,.22);background:var(--white);color:var(--blue)}
  .mobile-actions a:last-child{background:linear-gradient(135deg,var(--blue),#0755c7);color:var(--white);box-shadow:0 10px 22px -14px rgba(11,99,229,.9)}
  .back-to-top{right:14px;bottom:82px}
  body[data-page="quote.html"] .back-to-top{bottom:16px}
  .enrollment-countdown{padding:13px 14px}
  .enrollment-countdown-inner,.enrollment-countdown-compact .enrollment-countdown-inner{gap:10px}
  .enrollment-heading{font-size:.98rem}
  .enrollment-units{grid-template-columns:repeat(2,minmax(0,1fr));gap:7px}
  .enrollment-unit{min-height:58px;padding:7px}
  .enrollment-unit strong,.enrollment-countdown-compact .enrollment-unit strong{font-size:1.45rem}
  .enrollment-unit span{font-size:.61rem}
  .enrollment-actions{display:grid;gap:7px}
  .enrollment-cta{width:100%}
  .enrollment-december,.enrollment-outside{font-size:.69rem}
}
@media(max-width:390px){
  .header-shell .brand{padding:5px 7px}
  .header-shell{gap:10px;padding-inline:12px}
}