*, *::before, *::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    margin: 0;
    background: #ffffff;
    color: #102a43;
    -webkit-font-smoothing: antialiased;
}

.skip-link {
    position: absolute;
    top: -40px;
    left: 0;
    background: #102a43;
    color: #fff;
    padding: 8px 16px;
    z-index: 100;
    font-size: 14px;
    text-decoration: none;
}
.skip-link:focus {
    top: 0;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
}

/* ─── HEADER ─── */
.site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 50;
    background: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid #d9e2ec;
    transition: box-shadow 0.3s ease;
}
.site-header.scrolled {
    box-shadow: 0 1px 20px rgba(16, 42, 67, 0.08);
}

.nav-link {
    color: #334e68;
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    letter-spacing: 0.01em;
    transition: color 0.2s;
    position: relative;
}
.nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: #c49a2e;
    transition: width 0.25s ease;
}
.nav-link:hover { color: #102a43; }
.nav-link:hover::after { width: 100%; }

/* ─── BUTTONS ─── */
.btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #102a43;
    color: #f0f4f8;
    padding: 11px 24px;
    border-radius: 8px;
    text-decoration: none;
    font-size: 14px;
    font-weight: 600;
    border: 2px solid #102a43;
    transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
    cursor: pointer;
}
.btn-primary:hover {
    background: #243b53;
    border-color: #243b53;
    transform: translateY(-1px);
    box-shadow: 0 4px 16px rgba(16, 42, 67, 0.25);
}

.btn-gold {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #c49a2e;
    color: #0a1a2e;
    padding: 13px 28px;
    border-radius: 8px;
    text-decoration: none;
    font-size: 15px;
    font-weight: 700;
    border: 2px solid #c49a2e;
    transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
    cursor: pointer;
}
.btn-gold:hover {
    background: #d4a843;
    border-color: #d4a843;
    transform: translateY(-1px);
    box-shadow: 0 6px 20px rgba(196, 154, 46, 0.35);
}

.btn-outline {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    color: #102a43;
    padding: 11px 24px;
    border-radius: 8px;
    text-decoration: none;
    font-size: 14px;
    font-weight: 600;
    border: 2px solid #bcccdc;
    transition: border-color 0.2s, background 0.2s, transform 0.15s;
}
.btn-outline:hover {
    border-color: #102a43;
    background: #f0f4f8;
    transform: translateY(-1px);
}

.btn-white {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #ffffff;
    color: #102a43;
    padding: 13px 28px;
    border-radius: 8px;
    text-decoration: none;
    font-size: 15px;
    font-weight: 700;
    border: 2px solid #ffffff;
    transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
}
.btn-white:hover {
    background: #f0f4f8;
    transform: translateY(-1px);
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.2);
}

.btn-lg { padding: 14px 30px; font-size: 15px; }
.btn-block { width: 100%; justify-content: center; }

/* ─── BADGE ─── */
.badge {
    display: inline-block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: #c49a2e;
    background: rgba(196, 154, 46, 0.1);
    border: 1px solid rgba(196, 154, 46, 0.25);
    padding: 6px 14px;
    border-radius: 100px;
    margin-bottom: 20px;
}
.badge-secondary {
    color: #486581;
    background: rgba(72, 101, 129, 0.08);
    border-color: rgba(72, 101, 129, 0.2);
}

/* ─── SECTION TITLES ─── */
.section-header { margin-bottom: 56px; }
.section-title {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 700;
    color: #102a43;
    line-height: 1.2;
    margin-bottom: 16px;
}
.section-sub {
    font-size: 16px;
    color: #627d98;
    line-height: 1.7;
}

/* ─── HERO ─── */
.hero {
    padding-top: 120px;
    padding-bottom: 0;
    background: linear-gradient(165deg, #f0f4f8 0%, #ffffff 50%, #f7f9fc 100%);
    overflow: hidden;
    position: relative;
}
.hero::before {
    content: '';
    position: absolute;
    top: -200px;
    right: -200px;
    width: 700px;
    height: 700px;
    background: radial-gradient(circle, rgba(196, 154, 46, 0.06) 0%, transparent 70%);
    pointer-events: none;
}
.hero::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 120px;
    background: linear-gradient(to top, #ffffff, transparent);
    pointer-events: none;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 64px;
    align-items: center;
    padding-bottom: 80px;
    position: relative;
    z-index: 1;
}

.hero-content { max-width: 520px; }

.hero-headline {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: clamp(38px, 5vw, 64px);
    font-weight: 700;
    color: #102a43;
    line-height: 1.1;
    margin-bottom: 24px;
    letter-spacing: -0.01em;
}
.hero-headline br { display: none; }

.hero-sub {
    font-size: 17px;
    color: #486581;
    line-height: 1.75;
    margin-bottom: 36px;
    max-width: 480px;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 28px;
}

.hero-note {
    font-size: 13px;
    color: #829ab1;
    font-weight: 500;
}

/* ─── HERO FLOATING CARDS ─── */
.hero-cards {
    display: flex;
    flex-direction: column;
    gap: 14px;
    position: relative;
}

.hero-card {
    display: flex;
    align-items: center;
    gap: 16px;
    background: #ffffff;
    border-radius: 16px;
    padding: 20px 24px;
    box-shadow: 0 4px 24px rgba(16, 42, 67, 0.07), 0 1px 3px rgba(16, 42, 67, 0.04);
    border: 1px solid rgba(188, 204, 220, 0.5);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.hero-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 40px rgba(16, 42, 67, 0.12);
}

.card-1 { transform: translateY(0); }
.card-2 { transform: translateY(14px); }
.card-3 { transform: translateY(28px); }
.hero-card:hover { transform: translateY(-3px) !important; }

.hero-card-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.card-1 .hero-card-icon { background: rgba(196, 154, 46, 0.12); color: #b08520; }
.card-2 .hero-card-icon { background: rgba(16, 42, 67, 0.08); color: #102a43; }
.card-3 .hero-card-icon { background: rgba(98, 125, 152, 0.12); color: #486581; }

.hero-card-label {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: #829ab1;
    margin-bottom: 3px;
}
.hero-card-title {
    font-size: 15px;
    font-weight: 600;
    color: #102a43;
}

/* ─── INFO STRIP ─── */
.info-strip {
    background: #102a43;
    padding: 0;
}
.info-strip-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}
.info-strip-item {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 24px 32px;
    color: #f0f4f8;
}
.info-strip-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: rgba(196, 154, 46, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #d4a843;
    flex-shrink: 0;
}
.info-strip-label {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: #829ab1;
    margin-bottom: 3px;
}
.info-strip-value {
    font-size: 14px;
    font-weight: 500;
    color: #d9e2ec;
}
.info-strip-link {
    font-size: 14px;
    font-weight: 600;
    color: #d4a843;
    text-decoration: none;
    transition: color 0.2s;
}
.info-strip-link:hover { color: #e0b84d; }

.info-strip-divider {
    width: 1px;
    background: rgba(188, 204, 220, 0.15);
    align-self: stretch;
}

/* ─── SERVICES ─── */
.services {
    padding: 100px 0;
    background: #ffffff;
}
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.service-card {
    background: #f7f9fc;
    border-radius: 16px;
    padding: 36px 32px;
    border: 1px solid #e8edf2;
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.service-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 48px rgba(16, 42, 67, 0.1);
    border-color: rgba(196, 154, 46, 0.3);
}
.service-icon {
    width: 52px;
    height: 52px;
    border-radius: 12px;
    background: rgba(16, 42, 67, 0.07);
    color: #102a43;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 22px;
    transition: background 0.3s;
}
.service-card:hover .service-icon {
    background: rgba(196, 154, 46, 0.12);
    color: #b08520;
}
.service-title {
    font-size: 17px;
    font-weight: 700;
    color: #102a43;
    margin-bottom: 10px;
    line-height: 1.35;
}
.service-desc {
    font-size: 14px;
    color: #627d98;
    line-height: 1.75;
}

/* ─── ABOUT ─── */
.about {
    padding: 100px 0;
    background: #f0f4f8;
}
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 72px;
    align-items: center;
}
.about-images {
    position: relative;
    height: 560px;
}
.about-img-main {
    position: absolute;
    top: 0;
    left: 0;
    width: 75%;
    height: 85%;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(16, 42, 67, 0.15);
}
.about-img-main img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}
.about-img-accent {
    position: absolute;
    bottom: 0;
    right: 0;
    width: 58%;
    height: 60%;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(16, 42, 67, 0.15);
    border: 5px solid #f0f4f8;
}
.about-img-accent img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}
.about-badge {
    position: absolute;
    bottom: 42%;
    right: 8%;
    background: #c49a2e;
    color: #0a1a2e;
    font-size: 13px;
    font-weight: 700;
    padding: 12px 20px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    gap: 8px;
    box-shadow: 0 8px 24px rgba(196, 154, 46, 0.35);
    z-index: 2;
}

.about-content { max-width: 480px; }
.about-text {
    font-size: 15px;
    color: #486581;
    line-height: 1.8;
    margin-bottom: 16px;
}
.about-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-top: 32px;
}
.about-feature {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14px;
    font-weight: 500;
    color: #334e68;
}
.about-feature-icon {
    width: 22px;
    height: 22px;
    border-radius: 6px;
    background: rgba(196, 154, 46, 0.12);
    color: #b08520;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

/* ─── CTA SECTION ─── */
.cta-section {
    padding: 100px 0;
    background: #102a43;
    position: relative;
    overflow: hidden;
}
.cta-section::before {
    content: '';
    position: absolute;
    top: -100px;
    left: -100px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(196, 154, 46, 0.1) 0%, transparent 70%);
    pointer-events: none;
}
.cta-section::after {
    content: '';
    position: absolute;
    bottom: -150px;
    right: -100px;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(196, 154, 46, 0.07) 0%, transparent 70%);
    pointer-events: none;
}
.cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    position: relative;
    z-index: 1;
}
.cta-content { flex: 1; max-width: 520px; }
.cta-title {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: clamp(26px, 3.5vw, 38px);
    font-weight: 700;
    color: #ffffff;
    line-height: 1.25;
    margin-bottom: 16px;
}
.cta-text {
    font-size: 16px;
    color: #9fb3c8;
    line-height: 1.7;
}
.cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    flex-shrink: 0;
}

/* ─── INSURANCE ─── */
.insurance {
    padding: 100px 0;
    background: #ffffff;
}
.insurance-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 72px;
    align-items: center;
}
.insurance-content { max-width: 460px; }
.link-arrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #102a43;
    font-weight: 600;
    font-size: 14px;
    text-decoration: none;
    margin-top: 28px;
    transition: gap 0.2s;
}
.link-arrow:hover { gap: 12px; }
.link-arrow svg { color: #c49a2e; }

.insurance-logos {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}
.insurance-logo-item {
    background: #f7f9fc;
    border: 1px solid #e8edf2;
    border-radius: 16px;
    padding: 28px 24px;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
    transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
}
.insurance-logo-item:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 32px rgba(16, 42, 67, 0.08);
    border-color: rgba(196, 154, 46, 0.3);
}
.insurance-logo-item svg { color: #627d98; }
.insurance-logo-item span {
    font-size: 14px;
    font-weight: 600;
    color: #102a43;
}

/* ─── CONTACT ─── */
.contact {
    padding: 100px 0;
    background: #f0f4f8;
}
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 72px;
    align-items: start;
}
.contact-info { max-width: 460px; }
.contact-details {
    display: flex;
    flex-direction: column;
    gap: 28px;
    margin-top: 40px;
}
.contact-detail {
    display: flex;
    gap: 16px;
}
.contact-detail-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: rgba(16, 42, 67, 0.07);
    color: #102a43;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.contact-detail-label {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: #829ab1;
    margin-bottom: 4px;
}
.contact-detail-value {
    font-size: 15px;
    font-weight: 500;
    color: #102a43;
    line-height: 1.6;
}
.contact-detail-value a {
    color: #102a43;
    text-decoration: none;
    transition: color 0.2s;
}
.contact-detail-value a:hover { color: #c49a2e; }

.contact-form-wrap { max-width: 480px; }
.contact-form-card {
    background: #ffffff;
    border-radius: 20px;
    padding: 40px;
    box-shadow: 0 8px 40px rgba(16, 42, 67, 0.07);
    border: 1px solid #e8edf2;
}
.contact-form-title {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 24px;
    font-weight: 700;
    color: #102a43;
    margin-bottom: 6px;
}
.contact-form-sub {
    font-size: 14px;
    color: #627d98;
    margin-bottom: 28px;
}
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}
.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-bottom: 16px;
}
.form-group label {
    font-size: 13px;
    font-weight: 600;
    color: #334e68;
}
.form-group input,
.form-group textarea {
    padding: 12px 16px;
    border: 1.5px solid #d9e2ec;
    border-radius: 10px;
    font-size: 14px;
    font-family: inherit;
    color: #102a43;
    background: #f7f9fc;
    transition: border-color 0.2s, background 0.2s, box-shadow 0.2s;
    outline: none;
}
.form-group input:focus,
.form-group textarea:focus {
    border-color: #c49a2e;
    background: #ffffff;
    box-shadow: 0 0 0 3px rgba(196, 154, 46, 0.1);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: #9fb3c8; }
.form-group textarea { resize: vertical; min-height: 100px; }

.form-success {
    text-align: center;
    padding: 32px 16px;
}
.form-success-icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: rgba(196, 154, 46, 0.12);
    color: #b08520;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}
.form-success-title {
    font-family: 'Playfair Display', Georgia, serif;
    font-size: 22px;
    font-weight: 700;
    color: #102a43;
    margin-bottom: 8px;
}
.form-success-text {
    font-size: 14px;
    color: #627d98;
    line-height: 1.7;
}
.hidden { display: none !important; }

/* ─── FOOTER ─── */
.site-footer {
    background: #0a1a2e;
    padding: 56px 0 32px;
}
.footer-top {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 40px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(188, 204, 220, 0.1);
}
.footer-brand { max-width: 300px; }
.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 14px;
}
.footer-tagline {
    font-size: 14px;
    color: #627d98;
    line-height: 1.7;
}
.footer-links {
    display: flex;
    flex-wrap: wrap;
    gap: 8px 28px;
}
.footer-links a {
    font-size: 14px;
    color: #9fb3c8;
    text-decoration: none;
    transition: color 0.2s;
}
.footer-links a:hover { color: #d4a843; }

.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
    padding-top: 32px;
}
.footer-bottom p {
    font-size: 13px;
    color: #627d98;
}
.footer-link {
    color: #9fb3c8;
    text-decoration: none;
    transition: color 0.2s;
}
.footer-link:hover { color: #d4a843; }

/* ─── MOBILE MENU ─── */
.mobile-menu-btn {
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    color: #102a43;
    display: flex;
    align-items: center;
}
.mobile-menu-btn svg line {
    transition: transform 0.3s ease, opacity 0.3s ease;
    transform-origin: center;
}
.mobile-menu-btn[aria-expanded="true"] .line-top {
    transform: translateY(6px) rotate(45deg);
}
.mobile-menu-btn[aria-expanded="true"] .line-mid {
    opacity: 0;
}
.mobile-menu-btn[aria-expanded="true"] .line-bot {
    transform: translateY(-6px) rotate(-45deg);
}
.mobile-menu {
    animation: slideDown 0.3s ease;
}
@keyframes slideDown {
    from { opacity: 0; transform: translateY(-8px); }
    to { opacity: 1; transform: translateY(0); }
}
.mobile-nav-link {
    display: block;
    padding: 12px 0;
    color: #334e68;
    text-decoration: none;
    font-size: 15px;
    font-weight: 500;
    border-bottom: 1px solid #e8edf2;
    transition: color 0.2s;
}
.mobile-nav-link:hover { color: #102a43; }

/* ─── REVEAL ANIMATIONS ─── */
@media (prefers-reduced-motion: no-preference) {
    .reveal {
        opacity: 0;
        transform: translateY(24px);
        transition: opacity 0.6s ease, transform 0.6s ease;
    }
    .reveal.revealed {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }
    .hero-cards { max-width: 480px; }
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .about-grid,
    .insurance-inner,
    .contact-grid { grid-template-columns: 1fr; gap: 48px; }
    .about-images { height: 420px; }
    .cta-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 768px) {
    .info-strip-inner { grid-template-columns: 1fr 1fr; }
    .info-strip-divider { display: none; }
    .info-strip-item { padding: 20px 24px; }
    .services-grid { grid-template-columns: 1fr; }
    .about-images { height: 340px; }
    .about-features { grid-template-columns: 1fr; }
    .insurance-logos { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .footer-top { flex-direction: column; }
    .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
    .hero { padding-top: 100px; }
    .hero-headline br { display: block; }
    .hero-actions { flex-direction: column; }
    .hero-actions a { justify-content: center; }
    .hero-cards { gap: 10px; }
    .card-1, .card-2, .card-3 { transform: none !important; }
    .info-strip-inner { grid-template-columns: 1fr; }
    .contact-form-card { padding: 28px 20px; }
    .cta-actions { flex-direction: column; width: 100%; }
    .cta-actions a { justify-content: center; }
}