*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

:root {
    --navy: #1e3a5f;
    --navy-light: #2a4f7f;
    --navy-dark: #152a45;
    --gold: #d4a017;
    --gold-light: #e8b94a;
    --gold-pale: #fdf3d8;
    --cream: #faf8f4;
    --cream-dark: #f3efe8;
    --white: #ffffff;
    --text-dark: #1a1a2e;
    --text-mid: #4a4a5a;
    --text-light: #7a7a8a;
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 28px;
    --shadow-sm: 0 2px 8px rgba(30, 58, 95, 0.06);
    --shadow-md: 0 8px 30px rgba(30, 58, 95, 0.1);
    --shadow-lg: 0 20px 60px rgba(30, 58, 95, 0.12);
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Outfit', sans-serif;
    color: var(--text-dark);
    background: var(--cream);
    line-height: 1.7;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
    font-family: 'Lora', serif;
    line-height: 1.25;
    color: var(--navy);
}

a {
    color: inherit;
    text-decoration: none;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

.skip-link {
    position: absolute;
    top: -100%;
    left: 16px;
    background: var(--navy);
    color: var(--white);
    padding: 8px 16px;
    border-radius: var(--radius-sm);
    z-index: 9999;
    font-weight: 500;
}
.skip-link:focus {
    top: 16px;
}

/* ─── HEADER ─── */
.site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(250, 248, 244, 0.85);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(30, 58, 95, 0.06);
    transition: var(--transition);
}

.site-header.scrolled {
    background: rgba(250, 248, 244, 0.96);
    box-shadow: var(--shadow-sm);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 76px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

.logo-text {
    font-family: 'Lora', serif;
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--navy);
}

.logo-accent {
    color: var(--gold);
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 8px;
    list-style: none;
}

.nav-link {
    padding: 8px 16px;
    font-size: 0.925rem;
    font-weight: 500;
    color: var(--text-mid);
    border-radius: var(--radius-sm);
    transition: var(--transition);
}

.nav-link:hover {
    color: var(--navy);
    background: rgba(30, 58, 95, 0.05);
}

.nav-cta {
    padding: 10px 22px;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--white);
    background: var(--navy);
    border-radius: var(--radius-xl);
    transition: var(--transition);
}

.nav-cta:hover {
    background: var(--navy-light);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.mobile-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    width: 44px;
    height: 44px;
    position: relative;
}

.hamburger,
.hamburger::before,
.hamburger::after {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--navy);
    border-radius: 2px;
    transition: var(--transition);
}

.hamburger {
    position: relative;
}

.hamburger::before,
.hamburger::after {
    content: '';
    position: absolute;
    left: 0;
}

.hamburger::before { top: -7px; }
.hamburger::after { top: 7px; }

.mobile-toggle[aria-expanded="true"] .hamburger {
    background: transparent;
}
.mobile-toggle[aria-expanded="true"] .hamburger::before {
    top: 0;
    transform: rotate(45deg);
}
.mobile-toggle[aria-expanded="true"] .hamburger::after {
    top: 0;
    transform: rotate(-45deg);
}

/* ─── HERO ─── */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: var(--navy-dark);
}

.hero-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
}

.hero-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.35;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        135deg,
        rgba(21, 42, 69, 0.92) 0%,
        rgba(30, 58, 95, 0.85) 40%,
        rgba(42, 79, 127, 0.75) 100%
    );
}

.hero-content {
    position: relative;
    z-index: 1;
    padding: 120px 24px 80px;
    max-width: 1200px;
    margin: 0 auto;
    width: 100%;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 18px;
    background: rgba(212, 160, 23, 0.15);
    border: 1px solid rgba(212, 160, 23, 0.3);
    border-radius: var(--radius-xl);
    color: var(--gold-light);
    font-size: 0.875rem;
    font-weight: 500;
    margin-bottom: 28px;
    letter-spacing: 0.02em;
}

.hero-title {
    font-size: clamp(2.4rem, 5.5vw, 4.2rem);
    font-weight: 600;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 24px;
    max-width: 800px;
}

.text-gold {
    color: var(--gold);
}

.hero-subtitle {
    font-size: clamp(1.05rem, 1.8vw, 1.25rem);
    color: rgba(255, 255, 255, 0.78);
    max-width: 580px;
    line-height: 1.75;
    margin-bottom: 40px;
    font-weight: 300;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-bottom: 64px;
}

.hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 32px;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.925rem;
}

.trust-item svg {
    color: var(--gold);
    flex-shrink: 0;
}

.hero-scroll {
    position: absolute;
    bottom: 36px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    color: rgba(255, 255, 255, 0.4);
    font-size: 0.75rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    z-index: 1;
}

.scroll-line {
    width: 1px;
    height: 48px;
    background: linear-gradient(to bottom, rgba(255,255,255,0.4), transparent);
    animation: scrollPulse 2s ease-in-out infinite;
}

@keyframes scrollPulse {
    0%, 100% { opacity: 1; transform: scaleY(1); }
    50% { opacity: 0.4; transform: scaleY(0.6); }
}

/* ─── BUTTONS ─── */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 28px;
    font-family: 'Outfit', sans-serif;
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius-xl);
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--transition);
    text-decoration: none;
    white-space: nowrap;
}

.btn:focus-visible {
    outline: 3px solid var(--gold);
    outline-offset: 2px;
}

.btn-gold {
    background: var(--gold);
    color: var(--navy-dark);
    border-color: var(--gold);
}

.btn-gold:hover {
    background: var(--gold-light);
    border-color: var(--gold-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(212, 160, 23, 0.35);
}

.btn-navy {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.btn-navy:hover {
    background: var(--navy-light);
    border-color: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-outline-light {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.35);
}

.btn-outline-light:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 255, 255, 0.7);
    transform: translateY(-2px);
}

.btn-secondary {
    background: var(--cream-dark);
    color: var(--navy);
    border-color: var(--cream-dark);
    padding: 10px 20px;
    font-size: 0.875rem;
}

.btn-secondary:hover {
    background: var(--white);
    border-color: var(--white);
}

.btn-full {
    width: 100%;
    justify-content: center;
}

.btn-lg {
    padding: 18px 36px;
    font-size: 1.05rem;
}

/* ─── SECTION LABELS ─── */
.section-label {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 12px;
}

.section-title {
    font-size: clamp(1.8rem, 3.5vw, 2.8rem);
    font-weight: 600;
    margin-bottom: 20px;
}

.section-subtitle {
    font-size: 1.1rem;
    color: var(--text-mid);
    max-width: 600px;
    line-height: 1.75;
}

.text-center {
    text-align: center;
}

/* ─── INTRO ─── */
.intro {
    padding: 120px 0;
    background: var(--cream);
}

.intro-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.intro-image-wrap {
    position: relative;
}

.intro-image-wrap img {
    border-radius: var(--radius-lg);
    width: 100%;
    height: 500px;
    object-fit: cover;
    box-shadow: var(--shadow-lg);
}

.intro-image-accent {
    position: absolute;
    bottom: -20px;
    right: -20px;
    width: 160px;
    height: 160px;
    background: var(--gold-pale);
    border-radius: var(--radius-lg);
    z-index: -1;
}

.intro-content .section-title {
    margin-bottom: 24px;
}

.intro-text {
    color: var(--text-mid);
    font-size: 1.05rem;
    margin-bottom: 16px;
    line-height: 1.8;
}

.intro-features {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-top: 40px;
}

.intro-feature {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.feature-icon {
    width: 52px;
    height: 52px;
    min-width: 52px;
    background: var(--white);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-sm);
}

.intro-feature h3 {
    font-family: 'Outfit', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 4px;
}

.intro-feature p {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* ─── SERVICES ─── */
.services {
    padding: 120px 0;
    background: var(--white);
}

.section-header {
    margin-bottom: 64px;
}

.section-header .section-subtitle {
    margin: 0 auto;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.service-card {
    background: var(--cream);
    border-radius: var(--radius-lg);
    padding: 40px 32px;
    transition: var(--transition);
    border: 1px solid transparent;
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gold);
    transform: scaleX(0);
    transition: var(--transition);
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(212, 160, 23, 0.15);
    background: var(--white);
}

.service-card:hover::before {
    transform: scaleX(1);
}

.service-icon {
    width: 64px;
    height: 64px;
    background: var(--white);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.service-card:hover .service-icon {
    background: var(--navy);
}

.service-card:hover .service-icon svg {
    stroke: var(--gold);
}

.service-card h3 {
    font-family: 'Outfit', sans-serif;
    font-size: 1.15rem;
    font-weight: 600;
    margin-bottom: 12px;
    color: var(--navy);
}

.service-card p {
    font-size: 0.95rem;
    color: var(--text-mid);
    line-height: 1.75;
}

/* ─── CTA BANNER ─── */
.cta-banner {
    position: relative;
    padding: 100px 0;
    overflow: hidden;
}

.cta-bg {
    position: absolute;
    inset: 0;
}

.cta-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.cta-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        135deg,
        rgba(21, 42, 69, 0.93) 0%,
        rgba(30, 58, 95, 0.88) 100%
    );
}

.cta-content {
    position: relative;
    z-index: 1;
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.cta-content .section-title {
    color: var(--white);
    margin-bottom: 20px;
}

.cta-text {
    color: rgba(255, 255, 255, 0.75);
    font-size: 1.1rem;
    line-height: 1.75;
    margin-bottom: 40px;
}

.cta-actions {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 16px;
}

/* ─── INSURANCE ─── */
.insurance {
    padding: 120px 0;
    background: var(--cream);
}

.insurance-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.insurance-text .section-title {
    margin-bottom: 20px;
}

.insurance-desc {
    color: var(--text-mid);
    font-size: 1.05rem;
    line-height: 1.8;
    margin-bottom: 32px;
}

.insurance-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 32px;
}

.insurance-list li {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1rem;
    color: var(--text-dark);
}

.insurance-note {
    font-size: 0.95rem;
    color: var(--text-mid);
    padding: 16px 20px;
    background: var(--gold-pale);
    border-radius: var(--radius-md);
    border-left: 3px solid var(--gold);
}

.insurance-note a {
    color: var(--gold);
    font-weight: 600;
    text-decoration: underline;
    text-underline-offset: 3px;
}

.insurance-note a:hover {
    color: var(--navy);
}

.insurance-visual img {
    border-radius: var(--radius-lg);
    width: 100%;
    height: 400px;
    object-fit: cover;
    box-shadow: var(--shadow-lg);
}

/* ─── CONTACT ─── */
.contact {
    padding: 120px 0;
    background: var(--white);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
}

.contact-info .section-title {
    margin-bottom: 16px;
}

.contact-desc {
    color: var(--text-mid);
    font-size: 1.05rem;
    margin-bottom: 40px;
    line-height: 1.75;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 28px;
    margin-bottom: 32px;
}

.contact-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.contact-icon {
    width: 52px;
    height: 52px;
    min-width: 52px;
    background: var(--gold-pale);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
}

.contact-item strong {
    display: block;
    font-family: 'Outfit', sans-serif;
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--navy);
    margin-bottom: 4px;
}

.contact-item p {
    color: var(--text-mid);
    font-size: 0.95rem;
    line-height: 1.6;
}

.contact-item a {
    color: var(--navy);
    font-weight: 500;
    transition: var(--transition);
}

.contact-item a:hover {
    color: var(--gold);
}

.map-wrap {
    overflow: hidden;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
}

/* ─── FORM ─── */
.contact-form-wrap {
    background: var(--cream);
    border-radius: var(--radius-lg);
    padding: 44px;
    border: 1px solid rgba(30, 58, 95, 0.06);
}

.form-title {
    font-size: 1.5rem;
    margin-bottom: 28px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-dark);
    margin-bottom: 6px;
}

.required {
    color: var(--gold);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    font-family: 'Outfit', sans-serif;
    font-size: 0.95rem;
    color: var(--text-dark);
    background: var(--white);
    border: 1.5px solid rgba(30, 58, 95, 0.12);
    border-radius: var(--radius-sm);
    transition: var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(212, 160, 23, 0.12);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--text-light);
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
}

.form-privacy {
    font-size: 0.8rem;
    color: var(--text-light);
    text-align: center;
    margin-top: 16px;
}

.form-success {
    display: none;
    text-align: center;
    padding: 40px 20px;
}

.form-success svg {
    margin: 0 auto 16px;
    color: var(--gold);
}

.form-success h4 {
    font-size: 1.4rem;
    margin-bottom: 12px;
}

.form-success p {
    color: var(--text-mid);
    margin-bottom: 24px;
    line-height: 1.7;
}

/* ─── FOOTER ─── */
.site-footer {
    background: var(--navy-dark);
    color: rgba(255, 255, 255, 0.7);
    padding: 80px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 48px;
    padding-bottom: 60px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-desc {
    font-size: 0.925rem;
    line-height: 1.75;
    margin-top: 16px;
    max-width: 280px;
}

.footer-links h4,
.footer-contact h4 {
    font-family: 'Outfit', sans-serif;
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--gold);
    margin-bottom: 20px;
}

.footer-links ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-links a {
    font-size: 0.925rem;
    color: rgba(255, 255, 255, 0.6);
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--white);
    padding-left: 4px;
}

.footer-contact address {
    font-style: normal;
    display: flex;
    flex-direction: column;
    gap: 8px;
    font-size: 0.925rem;
    line-height: 1.7;
}

.footer-phone a {
    color: var(--gold);
    font-weight: 500;
    transition: var(--transition);
}

.footer-phone a:hover {
    color: var(--gold-light);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 28px 0;
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.4);
    flex-wrap: wrap;
    gap: 12px;
}

.footer-legal {
    max-width: 400px;
    text-align: right;
    line-height: 1.6;
}

/* ─── BACK TO TOP ─── */
.back-to-top {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 48px;
    height: 48px;
    background: var(--navy);
    color: var(--white);
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transform: translateY(16px);
    transition: var(--transition);
    z-index: 999;
    box-shadow: var(--shadow-md);
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    background: var(--gold);
    color: var(--navy-dark);
    transform: translateY(-4px);
}

/* ─── MOBILE NAV ─── */
@media (max-width: 900px) {
    .mobile-toggle {
        display: block;
    }

    .nav {
        position: fixed;
        top: 76px;
        left: 0;
        right: 0;
        background: rgba(250, 248, 244, 0.98);
        backdrop-filter: blur(20px);
        -webkit-backdrop-filter: blur(20px);
        padding: 24px;
        border-bottom: 1px solid rgba(30, 58, 95, 0.06);
        transform: translateY(-120%);
        opacity: 0;
        transition: var(--transition);
        pointer-events: none;
    }

    .nav.open {
        transform: translateY(0);
        opacity: 1;
        pointer-events: all;
    }

    .nav-list {
        flex-direction: column;
        gap: 4px;
        align-items: stretch;
    }

    .nav-link {
        padding: 14px 16px;
        font-size: 1rem;
    }

    .nav-cta {
        text-align: center;
        margin-top: 8px;
    }
}

/* ─── RESPONSIVE ─── */
@media (max-width: 900px) {
    .intro-grid,
    .insurance-content,
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .intro-image-wrap {
        order: -1;
    }

    .intro-image-wrap img {
        height: 360px;
    }

    .services-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 40px;
    }

    .footer-brand {
        grid-column: 1 / -1;
    }
}

@media (max-width: 600px) {
    .hero-content {
        padding: 100px 20px 60px;
    }

    .hero-actions {
        flex-direction: column;
    }

    .hero-actions .btn {
        justify-content: center;
    }

    .hero-trust {
        flex-direction: column;
        gap: 16px;
    }

    .services-grid {
        grid-template-columns: 1fr;
    }

    .cta-actions {
        flex-direction: column;
        align-items: center;
    }

    .contact-form-wrap {
        padding: 28px 20px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }

    .footer-legal {
        text-align: center;
    }

    .intro-image-accent {
        display: none;
    }

    .back-to-top {
        bottom: 20px;
        right: 20px;
        width: 42px;
        height: 42px;
    }
}

/* ─── REDUCED MOTION ─── */
@media (prefers-reduced-motion: no-preference) {
    .reveal {
        opacity: 0;
        transform: translateY(24px);
        transition: opacity 0.7s cubic-bezier(0.4, 0, 0.2, 1), transform 0.7s cubic-bezier(0.4, 0, 0.2, 1);
    }

    .reveal.revealed {
        opacity: 1;
        transform: translateY(0);
    }

    .reveal-delay-1 { transition-delay: 0.1s; }
    .reveal-delay-2 { transition-delay: 0.2s; }
    .reveal-delay-3 { transition-delay: 0.3s; }
    .reveal-delay-4 { transition-delay: 0.4s; }
    .reveal-delay-5 { transition-delay: 0.5s; }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    .reveal {
        opacity: 1;
        transform: none;
        transition: none;
    }
    .scroll-line { animation: none; }
}