/* ============================================================
   UMBRELLA — the friendly neighbourhood advisor
   Scoped to body.d-umbrella. 1rem = 10px.
   ============================================================ */
body.d-umbrella{
  --um-navy:#1e2f7a;--um-sky:#eaf5ff;--um-sky2:#d6ecff;--um-ink:#0f1a3d;--um-soft:#44506e;--um-mute:#5f6a86;--um-line:#dbe6f3;--um-g:var(--biz);--um-gd:var(--biz-deep);
  --bg-primary:#f7fbff;--bg-secondary:var(--um-sky);--bg-card:#fff;--bg-inset:#eef5fd;
  --fg-primary:var(--um-ink);--fg-soft:var(--um-soft);--fg-muted:var(--um-mute);--border-color:var(--um-line);--border-strong:#c3d3e8;
  background:#f7fbff;color:var(--um-ink);font-family:'Nunito',system-ui,sans-serif
}
body.d-umbrella h1,body.d-umbrella h2,body.d-umbrella h3{font-family:'Baloo 2','Nunito',sans-serif;font-weight:800;letter-spacing:-.01em;line-height:1.05}
.um-tag{display:inline-block;font-weight:800;font-size:1.25rem;color:var(--um-gd);background:rgba(var(--biz-rgb),.12);padding:.5rem 1.3rem;border-radius:999px;margin-bottom:1.4rem}

body.d-umbrella .bx-nav{background:rgba(247,251,255,.82)}
body.d-umbrella .bx-brand-mark{border-radius:14px;background:#fff}
body.d-umbrella .bx-brand-txt b{font-family:'Baloo 2',sans-serif;font-size:1.9rem}
body.d-umbrella .bx-nav-links a{font-weight:700;font-size:1.3rem;color:var(--um-soft)}
body.d-umbrella .bx-nav-links a::after{height:4px;border-radius:4px;background:var(--um-g)}
body.d-umbrella .bx-nav-cta{background:var(--um-gd);border-radius:999px}

/* hero */
.um-hero{position:relative;overflow:hidden;padding:calc(var(--nav-h) + 5rem) 3rem 4rem;background:linear-gradient(180deg,var(--um-sky2),var(--um-sky) 55%,#f7fbff)}
.um-sky{position:absolute;inset:0;pointer-events:none}
.um-cloud{position:absolute;background:#fff;border-radius:999px;opacity:.9;animation:um-float 40s linear infinite}
.um-cloud::before,.um-cloud::after{content:'';position:absolute;background:#fff;border-radius:50%}
.um-c1{width:220px;height:60px;top:18%;left:-10%}
.um-c1::before{width:100px;height:100px;left:30px;top:-50px}.um-c1::after{width:80px;height:80px;left:110px;top:-36px}
.um-c2{width:160px;height:46px;top:62%;left:-20%;animation-duration:55s;animation-delay:-20s;opacity:.7}
.um-c2::before{width:70px;height:70px;left:24px;top:-34px}.um-c2::after{width:60px;height:60px;left:80px;top:-26px}
.um-c3{width:260px;height:70px;top:8%;left:-30%;animation-duration:70s;animation-delay:-35s;opacity:.8}
.um-c3::before{width:120px;height:120px;left:40px;top:-60px}.um-c3::after{width:90px;height:90px;left:140px;top:-40px}
@keyframes um-float{to{transform:translateX(140vw)}}
.um-hero-in{position:relative;max-width:var(--max-w);margin:0 auto;display:grid;grid-template-columns:1.1fr .9fr;gap:4rem;align-items:center}
.um-hi i{color:var(--um-g);margin-right:.4rem}
.um-hi{font-weight:800;font-size:1.4rem;color:var(--um-navy);background:#fff;display:inline-block;padding:.8rem 1.6rem;border-radius:999px;box-shadow:0 8px 24px rgba(30,47,122,.1);margin-bottom:2.4rem}
.um-hero h1{font-size:clamp(4.2rem,6.4vw,7.6rem);color:var(--um-navy)}
.um-lede{font-size:1.8rem;line-height:1.6;color:var(--um-soft);margin-top:2rem;max-width:50ch}
.um-actions{display:flex;flex-wrap:wrap;gap:1.2rem;margin-top:3.2rem}
.um-btn{display:inline-flex;align-items:center;gap:1rem;padding:1.5rem 2.6rem;border-radius:999px;font-weight:800;font-size:1.5rem;transition:transform .25s var(--ease),box-shadow .25s}
.um-btn-main{background:var(--um-gd);color:#fff;box-shadow:0 12px 28px rgba(var(--biz-rgb),.35)}
.um-btn-main:hover{transform:translateY(-3px)}
.um-btn-soft{background:#fff;color:var(--um-navy);box-shadow:0 8px 22px rgba(30,47,122,.1)}
.um-btn-soft:hover{transform:translateY(-3px)}

.um-art{position:relative;height:520px}
.um-rain{position:absolute;inset:0 0 40% 0;overflow:hidden;-webkit-mask-image:linear-gradient(180deg,#000 60%,transparent);mask-image:linear-gradient(180deg,#000 60%,transparent)}
.um-rain i{position:absolute;left:var(--x);top:-30px;width:2px;height:22px;border-radius:2px;background:linear-gradient(180deg,transparent,#7fb4ea);animation:um-drop var(--d) linear var(--t) infinite}
@keyframes um-drop{to{transform:translateY(240px)}}
.um-brolly{position:absolute;left:50%;top:0;width:88%;margin-left:-44%;filter:drop-shadow(0 20px 30px rgba(30,47,122,.3));animation:um-sway 6s ease-in-out infinite;transform-origin:50% 90%}
@keyframes um-sway{50%{transform:rotate(-3deg)}}
.um-shelter{position:absolute;left:50%;top:44%;width:62%;margin-left:-31%;aspect-ratio:1.15;background:#fff;border-radius:28px;box-shadow:0 30px 60px rgba(30,47,122,.16);overflow:hidden;display:flex;align-items:center;justify-content:center;padding:1.4rem}
.um-shelter img{width:100%;height:100%;object-fit:contain}
.um-badge{position:absolute;right:4%;bottom:6%;width:92px;height:92px;border-radius:24px;background:#fff;box-shadow:0 16px 36px rgba(30,47,122,.2);overflow:hidden;padding:8px;animation:um-bob 5s ease-in-out infinite}
.um-badge img{width:100%;height:100%;object-fit:contain}
@keyframes um-bob{50%{transform:translateY(-10px) rotate(4deg)}}

.um-trust{position:relative;max-width:var(--max-w);margin:4rem auto 0;display:flex;flex-wrap:wrap;gap:1rem}
.um-trust li{display:flex;align-items:center;gap:.8rem;background:#fff;padding:1.1rem 1.8rem;border-radius:999px;font-weight:700;font-size:1.35rem;box-shadow:0 6px 18px rgba(30,47,122,.07)}
.um-trust b{color:var(--um-gd);font-family:'Baloo 2',sans-serif;font-size:1.8rem}
.um-trust i{color:var(--um-g)}

/* sections */
.um-sec{padding:9rem 3rem 0}
.um-sec>*{max-width:var(--max-w);margin-left:auto;margin-right:auto}
.um-head{text-align:center;margin-bottom:4rem}
.um-sec h2{font-size:clamp(3.2rem,4.4vw,5rem);color:var(--um-navy)}
.um-anchor{display:block;position:relative;top:-100px}

.um-picker>input{position:absolute;opacity:0;pointer-events:none}
.um-tabs{display:flex;flex-wrap:wrap;justify-content:center;gap:1rem;margin-bottom:2.4rem}
.um-tab{display:flex;flex-direction:column;align-items:center;gap:.8rem;min-width:130px;padding:2rem 1.6rem;border-radius:24px;background:#fff;border:2px solid var(--um-line);cursor:pointer;font-weight:800;font-size:1.4rem;color:var(--um-soft);transition:all .25s var(--ease)}
.um-tab i{font-size:2.6rem;color:var(--um-navy);transition:transform .3s var(--ease)}
.um-tab:hover{transform:translateY(-4px);border-color:var(--um-g)}
.um-panel{display:none;grid-template-columns:auto 1fr;gap:3rem;align-items:center;background:#fff;border-radius:32px;padding:4rem;box-shadow:0 24px 60px rgba(30,47,122,.1);border:2px solid var(--um-line)}
.um-panel-ico{width:120px;height:120px;border-radius:32px;background:linear-gradient(135deg,var(--um-g),var(--um-navy));display:flex;align-items:center;justify-content:center;font-size:5rem;color:#fff;box-shadow:0 18px 36px rgba(30,47,122,.25)}
.um-panel h3{font-size:3.6rem;color:var(--um-navy)}
.um-panel p{font-size:1.8rem;color:var(--um-soft);margin:1rem 0 2.4rem;line-height:1.55}
.um-picker input:focus-visible~.um-tabs{outline:3px solid var(--um-g);outline-offset:6px;border-radius:24px}
/* each checked radio lights its tab and shows its panel */
#um-p0:checked~.um-tabs label[for="um-p0"],#um-p1:checked~.um-tabs label[for="um-p1"],#um-p2:checked~.um-tabs label[for="um-p2"],#um-p3:checked~.um-tabs label[for="um-p3"],#um-p4:checked~.um-tabs label[for="um-p4"],#um-p5:checked~.um-tabs label[for="um-p5"],#um-p6:checked~.um-tabs label[for="um-p6"],#um-p7:checked~.um-tabs label[for="um-p7"]{background:var(--um-navy);border-color:var(--um-navy);color:#fff}
#um-p0:checked~.um-tabs label[for="um-p0"] i,#um-p1:checked~.um-tabs label[for="um-p1"] i,#um-p2:checked~.um-tabs label[for="um-p2"] i,#um-p3:checked~.um-tabs label[for="um-p3"] i,#um-p4:checked~.um-tabs label[for="um-p4"] i,#um-p5:checked~.um-tabs label[for="um-p5"] i,#um-p6:checked~.um-tabs label[for="um-p6"] i,#um-p7:checked~.um-tabs label[for="um-p7"] i{color:#fff;transform:scale(1.15)}
#um-p0:checked~.um-panels .um-panel-0,#um-p1:checked~.um-panels .um-panel-1,#um-p2:checked~.um-panels .um-panel-2,#um-p3:checked~.um-panels .um-panel-3,#um-p4:checked~.um-panels .um-panel-4,#um-p5:checked~.um-panels .um-panel-5,#um-p6:checked~.um-panels .um-panel-6,#um-p7:checked~.um-panels .um-panel-7{display:grid;animation:um-in .45s var(--ease)}
@keyframes um-in{from{opacity:0;transform:translateY(14px)}}

.um-about{display:grid;grid-template-columns:1.2fr .8fr;gap:2rem;align-items:stretch}
.um-about-card{background:var(--um-navy);color:#fff;border-radius:36px;padding:5rem}
.um-about-card .um-tag{background:rgba(255,255,255,.12);color:#bbf7d0}
.um-about-card h2{color:#fff;margin-bottom:2.4rem}
.um-about-card p:not(.um-tag){font-size:1.65rem;line-height:1.75;color:rgba(255,255,255,.82)}
.um-about-card p+p{margin-top:1.4rem}
.um-hl{display:grid;gap:1.2rem}
.um-hl li{border-radius:26px;padding:2.4rem 2.6rem;display:grid;grid-template-columns:auto 1fr;column-gap:1.6rem;align-items:center}
.um-hl i{grid-row:span 2;width:52px;height:52px;border-radius:16px;background:#fff;display:flex;align-items:center;justify-content:center;font-size:2rem;color:var(--um-navy)}
.um-hl b{font-family:'Baloo 2',sans-serif;font-size:2rem;line-height:1.1}
.um-hl span{font-size:1.35rem;color:var(--um-soft)}
.um-hl-0{background:#dcfce7}.um-hl-1{background:#e0f2fe}.um-hl-2{background:#fef9c3}.um-hl-3{background:#fce7f3}

.um-chat{max-width:760px!important;border-radius:32px;overflow:hidden;box-shadow:0 30px 70px rgba(30,47,122,.14);background:#efeae2}
.um-chat-bar{display:flex;align-items:center;gap:1.2rem;background:#075e54;color:#fff;padding:1.6rem 2rem}
.um-chat-bar b{font-size:1.6rem}
.um-chat-bar small{margin-left:auto;opacity:.75;font-size:1.2rem}
.um-chat-av{width:40px;height:40px;border-radius:50%;background:#fff;overflow:hidden;display:flex;align-items:center;justify-content:center;color:var(--um-navy);font-weight:800}
.um-chat-av img{width:100%;height:100%;object-fit:contain}
.um-chat-body{padding:2.4rem 2rem;display:flex;flex-direction:column;gap:1.4rem;background-image:radial-gradient(rgba(0,0,0,.04) 1px,transparent 1px);background-size:14px 14px}
.um-bubble{max-width:82%;background:#fff;border-radius:4px 20px 20px 20px;padding:1.4rem 1.8rem 1rem;box-shadow:0 2px 2px rgba(0,0,0,.06);position:relative}
.um-bubble-me{align-self:flex-end;background:#d9fdd3;border-radius:20px 4px 20px 20px}
.um-bubble figcaption{font-weight:800;font-size:1.25rem;color:#0e7c66;margin-bottom:.4rem}
.um-bubble blockquote{font-size:1.5rem;line-height:1.5}
.um-tick{display:block;text-align:right;font-size:1.05rem;color:#f59e0b;margin-top:.4rem}

.um-gal{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.um-gal-item{border-radius:24px;overflow:hidden;padding:0;aspect-ratio:4/3;cursor:zoom-in}
.um-gal-item img{width:100%;height:100%;object-fit:cover}
body.d-umbrella .hours-card{max-width:none}
body.d-umbrella .hours-row{border-radius:18px}

.um-contact{display:grid;grid-template-columns:1fr 1fr;gap:4rem;background:#fff;border-radius:36px;padding:5rem;box-shadow:0 24px 60px rgba(30,47,122,.08)}
.um-contact h2{margin-bottom:2.8rem;font-size:clamp(2.8rem,3.4vw,3.8rem)}
.um-social{display:flex;gap:1rem;margin-top:2rem}
body.d-umbrella .ci{border-radius:20px}
body.d-umbrella .ci-ico{background:rgba(var(--biz-rgb),.14);color:var(--um-gd)}
body.d-umbrella .contact-form{border-radius:28px;background:var(--um-sky)}
body.d-umbrella .contact-form h3{font-family:'Baloo 2',sans-serif;font-size:2.6rem;margin-bottom:1.6rem;color:var(--um-navy)}
body.d-umbrella .cf-field input,body.d-umbrella .cf-field textarea{border-radius:16px;background:#fff}
body.d-umbrella .btn-onbiz{background:var(--um-gd);border-radius:999px;text-transform:none;letter-spacing:0;font-size:1.55rem}
.um-map{margin-top:3rem}
body.d-umbrella .biz-map{border-radius:28px}
.um-share{max-width:var(--max-w);margin:4rem auto 0;padding:0 3rem}
body.d-umbrella .bx-foot{background:var(--um-navy);color:#fff;border-top:0;margin-top:6rem;border-radius:48px 48px 0 0}
body.d-umbrella .bx-foot p,body.d-umbrella .bx-foot li,body.d-umbrella .bx-foot a{color:rgba(255,255,255,.75)}
body.d-umbrella .bx-foot-col h2{color:#bbf7d0}
body.d-umbrella .bx-foot .bx-brand-txt b{color:#fff}
body.d-umbrella .bx-foot .btn-outline{border-color:rgba(255,255,255,.4);color:#fff}
body.d-umbrella .bx-foot-bottom{border-top-color:rgba(255,255,255,.12)}

@media (max-width:980px){
  .um-hero-in,.um-about,.um-contact{grid-template-columns:1fr}
  .um-art{height:420px;max-width:480px;margin:0 auto;width:100%}
  .um-contact{padding:3rem}
}
@media (max-width:640px){
  .um-hero{padding:calc(var(--nav-h) + 3rem) 1.6rem 3rem}
  .um-sec{padding:7rem 1.6rem 0}
  .um-art{height:340px}
  .um-tab{min-width:0;flex:1 1 30%;padding:1.4rem .8rem;font-size:1.2rem}
  .um-panel{grid-template-columns:1fr;padding:2.6rem;text-align:center}
  .um-panel-ico{margin:0 auto;width:90px;height:90px;font-size:3.6rem}
  .um-about-card{padding:3rem}
  .um-contact{padding:2rem;border-radius:26px}
  .um-gal{grid-template-columns:1fr 1fr}
  .um-share{padding:0 1.6rem}
}
@media (prefers-reduced-motion:reduce){.um-cloud,.um-rain i,.um-brolly,.um-badge{animation:none}.um-rain{display:none}}