/* ==========================================================
   Arocha & Associates — Practice hub pages
   Shared by insurance-advisory.html and
   data-science-machine-learning.html

   Load after style.css.
   ========================================================== */

:root {
  --hub-white: #ffffff;
  --hub-paper: #f5f8fb;
  --hub-ink: #172d40;
  --hub-muted: #5c6f7e;
  --hub-line: #d8e3ea;
  --hub-radius-lg: 28px;
  --hub-radius-md: 18px;
  --hub-shadow: 0 20px 54px rgba(7, 31, 54, 0.12);
}

.hub-insurance {
  --hub-deep: #081f38;
  --hub-deep-soft: #103550;
  --hub-mid: #0b4b84;
  --hub-accent: #69b7df;
  --hub-accent-strong: #176fa8;
  --hub-accent-soft: #e5f2fa;
  --hub-highlight: #f2c14e;
  --hub-glow: rgba(70, 151, 205, 0.27);
}

.hub-data {
  --hub-deep: #071f36;
  --hub-deep-soft: #0b3e4d;
  --hub-mid: #0d716b;
  --hub-accent: #64d0c3;
  --hub-accent-strong: #137e77;
  --hub-accent-soft: #e0f6f3;
  --hub-highlight: #f2c14e;
  --hub-glow: rgba(58, 190, 177, 0.28);
}

html {
  scroll-behavior: smooth;
}

.hub-page {
  min-width: 0;
}

.hub-main {
  max-width: none;
  margin: 0;
  padding: 0;
  overflow: hidden;
  color: var(--hub-ink);
  background: var(--hub-white);
}

.hub-main section {
  position: relative;
  margin: 0;
  padding: 96px 0;
  border: 0;
  border-radius: 0;
  box-shadow: none;
}

.hub-container {
  width: min(1180px, calc(100% - 48px));
  margin-inline: auto;
}

.hub-kicker {
  margin: 0 0 14px;
  color: var(--hub-accent-strong);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  line-height: 1.4;
  text-transform: uppercase;
}

.hub-heading {
  max-width: 800px;
  margin-bottom: 44px;
}

.hub-heading-wide {
  max-width: 920px;
}

.hub-heading h2,
.hub-sticky-copy h2,
.hub-asset-copy h2,
.hub-final-cta h2 {
  margin: 0 0 18px;
  color: var(--hub-deep);
  font-size: clamp(2rem, 4vw, 3.25rem);
  line-height: 1.08;
  letter-spacing: -0.038em;
}

.hub-heading > p:last-child,
.hub-sticky-copy > p,
.hub-asset-copy > p,
.hub-final-cta p {
  margin: 0;
  color: var(--hub-muted);
  font-size: 1.07rem;
}

.hub-section-light {
  background: var(--hub-white);
}

.hub-section-tint {
  background: var(--hub-paper);
  background: linear-gradient(135deg, var(--hub-accent-soft), var(--hub-paper));
}

/* ==========================================================
   HERO
   ========================================================== */

.hub-hero {
  position: relative;
  isolation: isolate;
  min-height: 690px;
  overflow: hidden;
  color: var(--hub-white);
  background: var(--hub-deep);
}

.hub-hero-media,
.hub-hero-shade {
  position: absolute;
  inset: 0;
}

.hub-hero-media {
  z-index: -3;
}

.hub-hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  transform: scale(1.025);
}

.hub-insurance .hub-hero-media img {
  object-position: center 48%;
}

.hub-data .hub-hero-media img {
  object-position: center 45%;
  filter: saturate(0.82) contrast(1.05);
}

.hub-hero-shade {
  z-index: -2;
  background:
    linear-gradient(90deg, rgba(5, 24, 42, 0.95) 0%, rgba(5, 24, 42, 0.86) 48%, rgba(5, 24, 42, 0.65) 100%),
    linear-gradient(180deg, rgba(5, 24, 42, 0.12), rgba(5, 24, 42, 0.58));
}

.hub-data .hub-hero-shade {
  background:
    linear-gradient(90deg, rgba(4, 25, 41, 0.96) 0%, rgba(4, 32, 46, 0.86) 48%, rgba(4, 54, 60, 0.69) 100%),
    linear-gradient(180deg, rgba(4, 25, 41, 0.14), rgba(4, 25, 41, 0.62));
}

.hub-hero-grid {
  display: grid;
  min-height: 690px;
  grid-template-columns: minmax(0, 1.07fr) minmax(420px, 0.93fr);
  align-items: center;
  gap: clamp(48px, 7vw, 88px);
  padding-block: 88px;
}

.hub-hero-copy {
  min-width: 0;
}

.hub-hero .hub-kicker {
  color: var(--hub-accent);
}

.hub-hero h1 {
  max-width: 760px;
  margin: 0 0 24px;
  color: var(--hub-white);
  font-size: clamp(2.7rem, 5.5vw, 4.85rem);
  line-height: 0.99;
  letter-spacing: -0.055em;
  text-wrap: balance;
}

.hub-lead {
  max-width: 700px;
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: clamp(1.05rem, 1.6vw, 1.23rem);
  line-height: 1.65;
}

.hub-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 32px;
}

.hub-button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  padding: 13px 20px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: 0.96rem;
  font-weight: 750;
  line-height: 1.25;
  text-align: center;
  text-decoration: none;
  transition: transform 180ms ease, background 180ms ease, border-color 180ms ease;
}

.hub-button:hover {
  transform: translateY(-2px);
  text-decoration: none;
}

.hub-button-primary {
  color: var(--hub-deep);
  background: var(--hub-accent);
}

.hub-button-primary:hover {
  color: var(--hub-deep);
  background: #ffffff;
}

.hub-button-secondary {
  color: var(--hub-white);
  border-color: rgba(255, 255, 255, 0.48);
  background: rgba(255, 255, 255, 0.07);
  backdrop-filter: blur(4px);
}

.hub-button-secondary:hover {
  color: var(--hub-white);
  border-color: rgba(255, 255, 255, 0.84);
  background: rgba(255, 255, 255, 0.13);
}

.hub-button:focus-visible,
.hub-inline-cta:focus-visible,
.hub-capability-card:focus-visible,
.hub-text-link:focus-visible {
  outline: 3px solid var(--hub-highlight);
  outline-offset: 4px;
}

.hub-facts {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  max-width: 710px;
  margin: 42px 0 0;
  padding: 24px 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  list-style: none;
}

.hub-facts li {
  padding-right: 18px;
}

.hub-facts li + li {
  padding-left: 18px;
  border-left: 1px solid rgba(255, 255, 255, 0.18);
}

.hub-facts strong,
.hub-facts span {
  display: block;
}

.hub-facts strong {
  color: var(--hub-white);
  font-size: 1rem;
}

.hub-facts span {
  margin-top: 2px;
  color: rgba(255, 255, 255, 0.62);
  font-size: 0.76rem;
  line-height: 1.4;
}

/* Hero decision panels */

.hub-hero-panel {
  position: relative;
  min-width: 0;
  padding: 24px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--hub-radius-lg);
  box-shadow: 0 28px 80px rgba(0, 0, 0, 0.28);
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(14px);
}

.hub-hero-panel::before {
  content: "";
  position: absolute;
  inset: 10px -10px -10px 10px;
  z-index: -1;
  border-radius: inherit;
  background: var(--hub-glow);
  opacity: 0.48;
}

.hub-panel-topline {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
  color: rgba(255, 255, 255, 0.68);
  font-size: 0.72rem;
  font-weight: 750;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hub-pill {
  padding: 5px 9px;
  border-radius: 999px;
  color: var(--hub-accent);
  background: rgba(255, 255, 255, 0.08);
}

/* Insurance decision map */

.insurance-decision {
  padding-top: 22px;
}

.insurance-decision-input,
.insurance-decision-core {
  padding: 19px 20px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 15px;
  background: rgba(255, 255, 255, 0.06);
}

.insurance-decision-core {
  border-color: rgba(105, 183, 223, 0.5);
  background: rgba(105, 183, 223, 0.13);
}

.insurance-decision-input span,
.insurance-decision-input strong,
.insurance-decision-core span,
.insurance-decision-core strong {
  display: block;
}

.insurance-decision-input span,
.insurance-decision-core span {
  margin-bottom: 5px;
  color: var(--hub-accent);
  font-size: 0.69rem;
  font-weight: 850;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.insurance-decision-input strong,
.insurance-decision-core strong {
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.94rem;
  line-height: 1.4;
}

.insurance-decision-line {
  position: relative;
  width: 1px;
  height: 46px;
  margin-inline: auto;
  background: linear-gradient(var(--hub-accent), rgba(255, 255, 255, 0.08));
}

.insurance-decision-line::after {
  content: "";
  position: absolute;
  right: -3px;
  bottom: 2px;
  width: 7px;
  height: 7px;
  border-right: 1px solid var(--hub-accent);
  border-bottom: 1px solid var(--hub-accent);
  transform: rotate(45deg);
}

.insurance-decision-outputs {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
}

.insurance-decision-outputs div {
  min-height: 92px;
  padding: 12px;
  border: 1px solid rgba(255, 255, 255, 0.11);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.055);
}

.insurance-decision-outputs span,
.insurance-decision-outputs strong {
  display: block;
}

.insurance-decision-outputs span {
  color: var(--hub-accent);
  font-size: 0.68rem;
  font-weight: 850;
}

.insurance-decision-outputs strong {
  margin-top: 8px;
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.75rem;
  line-height: 1.35;
}

/* Data model panel */

.data-model-board {
  min-width: 0;
}

.data-question {
  padding: 23px 0 20px;
}

.data-question span,
.data-question strong {
  display: block;
}

.data-question span {
  color: rgba(255, 255, 255, 0.52);
  font-size: 0.75rem;
}

.data-question strong {
  margin-top: 5px;
  color: var(--hub-white);
  font-size: 1.12rem;
  line-height: 1.35;
}

.data-models {
  display: grid;
  gap: 17px;
  padding: 20px;
  border-radius: 15px;
  background: rgba(2, 20, 31, 0.46);
}

.data-model-row {
  display: grid;
  grid-template-columns: 42px 1fr 74px;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.73);
  font-size: 0.73rem;
}

.data-model-row > span {
  color: var(--hub-white);
  font-weight: 800;
}

.data-model-row > strong {
  font-size: 0.68rem;
  text-align: right;
}

.data-track {
  height: 8px;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.1);
}

.data-track i {
  display: block;
  width: var(--score);
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--hub-accent-strong), var(--hub-accent));
}

.data-decision-criteria {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  margin-top: 12px;
}

.data-decision-criteria span {
  padding: 9px 10px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 10px;
  color: rgba(255, 255, 255, 0.72);
  background: rgba(255, 255, 255, 0.055);
  font-size: 0.7rem;
  font-weight: 700;
  text-align: center;
}

.hub-panel-note {
  margin: 13px 0 0;
  color: rgba(255, 255, 255, 0.46);
  font-size: 0.69rem;
}

/* ==========================================================
   FLAGSHIP PRODUCTS
   ========================================================== */

.hub-product-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: stretch;
  gap: 22px;
}

.hub-product-card {
  position: relative;
  display: flex;
  min-width: 0;
  min-height: 560px;
  flex-direction: column;
  padding: clamp(26px, 3vw, 34px);
  border: 1px solid var(--hub-line);
  border-radius: var(--hub-radius-lg);
  background: var(--hub-white);
  box-shadow: 0 12px 34px rgba(7, 31, 54, 0.07);
}

.hub-product-card::before {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  left: 0;
  height: 5px;
  border-radius: var(--hub-radius-lg) var(--hub-radius-lg) 0 0;
  background: var(--hub-accent-strong);
}

.hub-product-featured {
  border-color: rgba(23, 111, 168, 0.34);
  box-shadow: var(--hub-shadow);
}

.hub-data .hub-product-featured {
  border-color: rgba(19, 126, 119, 0.36);
}

.hub-product-meta {
  display: flex;
  min-height: 30px;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  color: var(--hub-accent-strong);
  font-size: 0.72rem;
  font-weight: 850;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.hub-product-badge {
  padding: 5px 9px;
  border: 1px solid rgba(242, 193, 78, 0.55);
  border-radius: 999px;
  color: #634b00;
  background: #fff5cc;
  font-size: 0.68rem;
  letter-spacing: 0;
  line-height: 1.25;
  text-transform: none;
}

.hub-product-icon {
  display: grid;
  width: 58px;
  height: 58px;
  margin: 25px 0 20px;
  place-items: center;
  border-radius: 16px;
  color: var(--hub-accent-strong);
  background: var(--hub-accent-soft);
}

.hub-product-icon svg {
  width: 29px;
  height: 29px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.hub-product-card h3 {
  margin: 0 0 14px;
  color: var(--hub-deep);
  font-size: clamp(1.55rem, 2.6vw, 2.1rem);
  line-height: 1.13;
  letter-spacing: -0.025em;
}

.hub-product-proposition {
  margin: 0;
  color: var(--hub-muted);
  font-size: 1rem;
  line-height: 1.65;
}

.hub-compact-list {
  display: grid;
  gap: 10px;
  margin: 24px 0 0;
  padding: 22px 0 0;
  border-top: 1px solid var(--hub-line);
  color: var(--hub-muted);
  font-size: 0.9rem;
  list-style: none;
}

.hub-compact-list li {
  position: relative;
  padding-left: 25px;
}

.hub-compact-list li::before {
  content: "";
  position: absolute;
  top: 0.58em;
  left: 0;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--hub-accent);
  box-shadow: 0 0 0 4px var(--hub-accent-soft);
}

.hub-product-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: auto;
  padding-top: 28px;
  gap: 18px;
}

.hub-duration {
  color: var(--hub-accent-strong);
  font-size: 0.8rem;
  font-weight: 700;
}

.hub-inline-cta {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--hub-accent-strong);
  font-size: 0.86rem;
  font-weight: 800;
  text-decoration: none;
}

.hub-inline-cta span {
  transition: transform 180ms ease;
}

.hub-inline-cta:hover {
  color: var(--hub-deep);
  text-decoration: none;
}

.hub-inline-cta:hover span {
  transform: translateX(3px);
}

.hub-asset-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-top: 28px;
}

.hub-asset-actions .hub-button {
  gap: 9px;
}

@media (max-width: 620px) {
  .hub-asset-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .hub-asset-actions .hub-button {
    width: 100%;
  }
}

/* ==========================================================
   CAPABILITIES
   ========================================================== */

.hub-capability-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.hub-capability-card {
  display: grid;
  min-width: 0;
  grid-template-columns: 50px 1fr;
  gap: 20px;
  padding: 28px;
  border: 1px solid var(--hub-line);
  border-radius: var(--hub-radius-md);
  color: inherit;
  background: rgba(255, 255, 255, 0.86);
  text-decoration: none;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.hub-capability-card:hover {
  transform: translateY(-4px);
  border-color: var(--hub-accent);
  box-shadow: var(--hub-shadow);
  text-decoration: none;
}

.hub-capability-number {
  display: grid;
  width: 48px;
  height: 48px;
  place-items: center;
  border-radius: 14px;
  color: var(--hub-accent-strong);
  background: var(--hub-accent-soft);
  font-size: 0.73rem;
  font-weight: 850;
}

.hub-capability-card h3,
.hub-situation-grid h3,
.hub-process h3,
.hub-principles h3 {
  margin: 0 0 9px;
  color: var(--hub-deep);
  font-size: 1.12rem;
  line-height: 1.3;
}

.hub-capability-card p,
.hub-situation-grid p,
.hub-process p,
.hub-principles p {
  margin: 0;
  color: var(--hub-muted);
  font-size: 0.92rem;
  line-height: 1.58;
}

.hub-capability-card strong {
  display: inline-block;
  margin-top: 19px;
  color: var(--hub-accent-strong);
  font-size: 0.82rem;
}

/* ==========================================================
   DARK SECTIONS
   ========================================================== */

.hub-main .hub-section-dark {
  color: var(--hub-white);
  background:
    radial-gradient(circle at 88% 8%, var(--hub-glow), transparent 30%),
    var(--hub-deep);
}

.hub-heading-light h2 {
  color: var(--hub-white);
}

.hub-heading-light .hub-kicker {
  color: var(--hub-accent);
}

.hub-heading-light > p:last-child {
  color: rgba(255, 255, 255, 0.65);
}

.hub-situation-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--hub-radius-lg);
  background: rgba(255, 255, 255, 0.12);
}

.hub-situation-grid article {
  min-height: 245px;
  padding: 29px;
  background: rgba(255, 255, 255, 0.045);
}

.hub-situation-grid article > span {
  display: block;
  margin-bottom: 42px;
  color: var(--hub-accent);
  font-size: 0.74rem;
  font-weight: 850;
}

.hub-situation-grid h3 {
  color: var(--hub-white);
}

.hub-situation-grid p {
  color: rgba(255, 255, 255, 0.64);
}

/* ==========================================================
   SPLIT APPROACH
   ========================================================== */

.hub-split {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(480px, 1.1fr);
  align-items: start;
  gap: clamp(54px, 8vw, 110px);
}

.hub-sticky-copy {
  position: sticky;
  top: 110px;
}

.hub-callout {
  margin-top: 32px;
  padding: 22px;
  border-left: 4px solid var(--hub-accent);
  border-radius: 0 14px 14px 0;
  background: var(--hub-accent-soft);
}

.hub-callout strong {
  color: var(--hub-deep);
}

.hub-callout p {
  margin: 6px 0 0;
  color: var(--hub-muted);
}

.hub-process {
  margin: 0;
  padding: 0;
  list-style: none;
}

.hub-process li {
  display: grid;
  grid-template-columns: 58px 1fr;
  gap: 20px;
  padding: 27px 0;
  border-bottom: 1px solid var(--hub-line);
}

.hub-process li:first-child {
  padding-top: 0;
}

.hub-process > li > span {
  display: grid;
  width: 50px;
  height: 50px;
  place-items: center;
  border-radius: 15px;
  color: var(--hub-deep);
  background: var(--hub-accent);
  font-size: 0.75rem;
  font-weight: 850;
}

/* ==========================================================
   DATA ASSET
   ========================================================== */

.hub-main .hub-section-asset {
  color: var(--hub-white);
  background:
    radial-gradient(circle at 85% 12%, rgba(100, 208, 195, 0.25), transparent 32%),
    linear-gradient(125deg, #092a3d, #0b625f);
}

.hub-asset-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(440px, 1.05fr);
  align-items: center;
  gap: clamp(52px, 8vw, 100px);
}

.hub-asset-copy .hub-kicker {
  color: var(--hub-accent);
}

.hub-asset-copy h2 {
  color: var(--hub-white);
}

.hub-asset-copy > p {
  color: rgba(255, 255, 255, 0.73);
}

.hub-asset-points {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px 18px;
  margin: 28px 0 26px;
  padding: 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.86rem;
  list-style: none;
}

.hub-asset-points li {
  position: relative;
  padding-left: 19px;
}

.hub-asset-points li::before {
  content: "";
  position: absolute;
  top: 0.58em;
  left: 0;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--hub-accent);
}

.hub-inline-cta-light {
  color: var(--hub-white);
}

.hub-inline-cta-light:hover {
  color: var(--hub-accent);
}

.model-comparison {
  padding: 26px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--hub-radius-lg);
  color: var(--hub-ink);
  background: rgba(255, 255, 255, 0.97);
  box-shadow: 0 28px 70px rgba(0, 0, 0, 0.23);
}

.model-comparison-header,
.model-comparison-legend {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.model-comparison-header {
  padding-bottom: 17px;
  border-bottom: 1px solid var(--hub-line);
  color: var(--hub-deep);
  font-size: 0.74rem;
  font-weight: 850;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.model-comparison-header span:last-child {
  color: var(--hub-accent-strong);
}

.model-comparison-legend {
  justify-content: flex-end;
  margin: 18px 0;
  color: var(--hub-muted);
  font-size: 0.72rem;
}

.model-comparison-legend span {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.model-comparison-legend i {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.legend-glm,
.bar-glm {
  background: #3978ad;
}

.legend-ffnn,
.bar-ffnn {
  background: #26a69a;
}

.model-comparison-rows {
  display: grid;
  gap: 18px;
}

.comparison-row {
  display: grid;
  grid-template-columns: 110px 1fr 1fr;
  align-items: center;
  gap: 12px;
  color: var(--hub-muted);
  font-size: 0.76rem;
}

.comparison-row > div {
  height: 8px;
  overflow: hidden;
  border-radius: 999px;
  background: #e9eef2;
}

.comparison-row i {
  display: block;
  width: var(--bar);
  height: 100%;
  border-radius: inherit;
}

.model-comparison > p {
  margin: 21px 0 0;
  padding-top: 17px;
  border-top: 1px solid var(--hub-line);
  color: var(--hub-muted);
  font-size: 0.71rem;
}

/* ==========================================================
   MODELLING PRINCIPLES
   ========================================================== */

.hub-principles {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 1px;
  margin: 0;
  padding: 0;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--hub-radius-lg);
  background: rgba(255, 255, 255, 0.12);
  list-style: none;
}

.hub-principles li {
  min-height: 270px;
  padding: 27px;
  background: rgba(255, 255, 255, 0.045);
}

.hub-principles > li > span {
  display: block;
  margin-bottom: 42px;
  color: var(--hub-accent);
  font-size: 0.73rem;
  font-weight: 850;
}

.hub-principles h3 {
  color: var(--hub-white);
}

.hub-principles p {
  color: rgba(255, 255, 255, 0.64);
}

/* ==========================================================
   FINAL CTA
   ========================================================== */

.hub-main .hub-final-cta {
  padding: 82px 0;
  color: var(--hub-white);
  background: linear-gradient(115deg, var(--hub-deep-soft), var(--hub-mid));
}

.hub-final-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(310px, 0.65fr);
  align-items: center;
  gap: 70px;
}

.hub-final-cta .hub-kicker {
  color: var(--hub-accent);
}

.hub-final-cta h2 {
  color: var(--hub-white);
}

.hub-final-cta p {
  max-width: 730px;
  color: rgba(255, 255, 255, 0.73);
}

.hub-final-actions {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 18px;
}

.hub-button-light {
  color: var(--hub-deep);
  background: var(--hub-white);
}

.hub-button-light:hover {
  color: var(--hub-deep);
  background: var(--hub-accent-soft);
}

.hub-text-link {
  color: var(--hub-white);
  font-size: 0.86rem;
  font-weight: 750;
  text-align: center;
  text-decoration: none;
}

.hub-text-link:hover {
  color: var(--hub-accent);
  text-decoration: none;
}

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

@media (max-width: 1080px) {
  .hub-hero-grid,
  .hub-split,
  .hub-asset-grid,
  .hub-final-grid {
    grid-template-columns: 1fr;
  }

  .hub-hero-grid {
    padding-block: 80px;
  }

  .hub-hero-copy {
    max-width: 820px;
  }

  .hub-hero-panel {
    width: min(720px, 100%);
  }

  .hub-sticky-copy {
    position: static;
    max-width: 800px;
  }

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

  .hub-final-actions {
    max-width: 440px;
  }
}

@media (max-width: 820px) {
  .hub-main section {
    padding: 74px 0;
  }

  .hub-container {
    width: min(100% - 36px, 1180px);
  }

  .hub-product-grid,
  .hub-capability-grid {
    grid-template-columns: 1fr;
  }

  .hub-product-card {
    min-height: 0;
  }

  .hub-product-footer {
    align-items: flex-start;
    flex-direction: column;
    margin-top: 30px;
  }

  .hub-asset-points {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 620px) {
  .hub-container {
    width: min(100% - 30px, 1180px);
  }

  .hub-hero,
  .hub-hero-grid {
    min-height: 0;
  }

  .hub-hero-grid {
    padding-block: 72px 66px;
  }

  .hub-hero h1 {
    font-size: clamp(2.45rem, 13vw, 3.65rem);
  }

  .hub-hero-shade,
  .hub-data .hub-hero-shade {
    background: linear-gradient(180deg, rgba(4, 25, 41, 0.75), rgba(4, 25, 41, 0.96));
  }

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

  .hub-actions .hub-button {
    width: 100%;
  }

  .hub-facts {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .hub-facts li,
  .hub-facts li + li {
    padding: 0 0 14px;
    border-left: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  }

  .hub-hero-panel {
    padding: 18px;
    border-radius: 20px;
  }

  .hub-panel-topline,
  .hub-product-meta {
    align-items: flex-start;
    flex-direction: column;
  }

  .insurance-decision-outputs,
  .hub-situation-grid,
  .hub-principles {
    grid-template-columns: 1fr;
  }

  .insurance-decision-outputs div,
  .hub-situation-grid article,
  .hub-principles li {
    min-height: 0;
  }

  .hub-situation-grid article > span,
  .hub-principles > li > span {
    margin-bottom: 24px;
  }

  .hub-capability-card {
    grid-template-columns: 44px 1fr;
    gap: 14px;
    padding: 22px;
  }

  .hub-capability-number {
    width: 42px;
    height: 42px;
    border-radius: 12px;
  }

  .comparison-row {
    grid-template-columns: 94px 1fr 1fr;
    gap: 8px;
  }
}

@media (max-width: 430px) {
  .hub-product-card,
  .model-comparison {
    padding: 23px;
  }

  .hub-product-badge {
    white-space: normal;
  }

  .hub-process li {
    grid-template-columns: 44px 1fr;
    gap: 14px;
  }

  .hub-process > li > span {
    width: 42px;
    height: 42px;
    border-radius: 12px;
  }

  .data-model-row {
    grid-template-columns: 36px 1fr;
  }

  .data-model-row > strong {
    grid-column: 2;
    text-align: left;
  }

  .data-decision-criteria {
    grid-template-columns: 1fr;
  }

  .model-comparison-legend {
    justify-content: flex-start;
  }

  .comparison-row {
    grid-template-columns: 1fr;
    gap: 6px;
  }
}

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

  .hub-button,
  .hub-inline-cta span,
  .hub-capability-card {
    transition: none;
  }

  .hub-button:hover,
  .hub-capability-card:hover {
    transform: none;
  }
}