/* ── Reset & Base ─────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    background: #FFFFFF;
    color: #0C1738;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
address { font-style: normal; }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ── Typography ───────────────────────────────────── */
.section-label {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #C8A45C;
    margin-bottom: 12px;
}
.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.75rem, 4vw, 2.75rem);
    font-weight: 700;
    line-height: 1.2;
    color: #0C1738;
    margin-bottom: 16px;
}
.section-desc {
    font-size: 1.05rem;
    line-height: 1.7;
    color: #2E4A96;
    max-width: 640px;
}
.section-header--centered { text-align: center; }
.section-header--centered .section-desc { margin: 0 auto; }

/* ── Buttons ──────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: 6px;
    font-size: 0.9375rem;
    font-weight: 600;
    border: 2px solid transparent;
    cursor: pointer;
    transition: background 0.2s, border-color 0.2s, transform 0.15s, box-shadow 0.2s;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-primary {
    background: #C8A45C;
    color: #0C1738;
    border-color: #C8A45C;
}
.btn-primary:hover { background: #B8903E; border-color: #B8903E; box-shadow: 0 4px 16px rgba(200,164,92,0.35); }
.btn-outline {
    background: transparent;
    color: #FFFFFF;
    border-color: rgba(255,255,255,0.5);
}
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: #FFFFFF; }
.btn-gold {
    background: #C8A45C;
    color: #0C1738;
    border-color: #C8A45C;
}
.btn-gold:hover { background: #B8903E; border-color: #B8903E; box-shadow: 0 4px 16px rgba(200,164,92,0.35); }
.btn-full { width: 100%; }

/* ── Navigation ───────────────────────────────────── */
.nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 100;
    background: rgba(12, 23, 56, 0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(200,164,92,0.15);
    transition: background 0.3s;
}
.nav-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    height: 72px;
    gap: 32px;
}
.nav-brand {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
}
.nav-brand-mark {
    width: 36px;
    height: 36px;
    background: #C8A45C;
    color: #0C1738;
    font-family: 'Playfair Display', serif;
    font-weight: 800;
    font-size: 1.125rem;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 6px;
}
.nav-brand-text {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}
.nav-brand-name {
    font-size: 0.875rem;
    font-weight: 700;
    color: #FFFFFF;
    letter-spacing: 0.01em;
}
.nav-brand-sub {
    font-size: 0.6875rem;
    color: #C8A45C;
    letter-spacing: 0.04em;
}
.nav-links {
    display: flex;
    align-items: center;
    gap: 4px;
    margin-left: auto;
}
.nav-link {
    padding: 8px 14px;
    font-size: 0.875rem;
    font-weight: 500;
    color: rgba(255,255,255,0.75);
    border-radius: 6px;
    transition: color 0.2s, background 0.2s;
}
.nav-link:hover { color: #FFFFFF; background: rgba(255,255,255,0.08); }
.nav-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 9px 18px;
    background: #C8A45C;
    color: #0C1738;
    font-size: 0.8125rem;
    font-weight: 700;
    border-radius: 6px;
    margin-left: 12px;
    transition: background 0.2s, transform 0.15s;
}
.nav-cta:hover { background: #E8C96A; transform: translateY(-1px); }
.nav-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    margin-left: auto;
}
.hamburger {
    display: block;
    width: 22px;
    height: 2px;
    background: #FFFFFF;
    position: relative;
    transition: background 0.2s;
}
.hamburger::before,
.hamburger::after {
    content: '';
    position: absolute;
    width: 22px;
    height: 2px;
    background: #FFFFFF;
    left: 0;
    transition: transform 0.3s;
}
.hamburger::before { top: -7px; }
.hamburger::after { bottom: -7px; }
.nav-toggle[aria-expanded="true"] .hamburger { background: transparent; }
.nav-toggle[aria-expanded="true"] .hamburger::before { transform: rotate(45deg); top: 0; }
.nav-toggle[aria-expanded="true"] .hamburger::after { transform: rotate(-45deg); bottom: 0; }

@media (max-width: 900px) {
    .nav-toggle { display: block; }
    .nav-links {
        position: fixed;
        top: 72px;
        left: 0;
        right: 0;
        background: rgba(12, 23, 56, 0.98);
        backdrop-filter: blur(12px);
        flex-direction: column;
        align-items: stretch;
        padding: 16px 24px 24px;
        gap: 4px;
        transform: translateY(-110%);
        opacity: 0;
        transition: transform 0.35s ease, opacity 0.35s ease;
        border-bottom: 1px solid rgba(200,164,92,0.15);
    }
    .nav-links.open {
        transform: translateY(0);
        opacity: 1;
    }
    .nav-link { padding: 12px 14px; font-size: 1rem; }
    .nav-cta { margin-left: 0; margin-top: 8px; justify-content: center; }
}

/* ── Hero ─────────────────────────────────────────── */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #080F24;
    overflow: hidden;
    padding: 120px 24px 80px;
}
.hero-bg {
    position: absolute;
    inset: 0;
    background: url('https://images.pexels.com/photos/5994630/pexels-photo-5994630.jpeg?auto=compress&cs=tinysrgb&fit=crop&w=1920&h=1080') center center / cover no-repeat;
    opacity: 0.22;
}
.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(160deg, rgba(8,15,36,0.92) 0%, rgba(12,23,56,0.85) 50%, rgba(30,52,114,0.75) 100%);
}
.hero-content {
    position: relative;
    z-index: 1;
    max-width: 820px;
    text-align: center;
}
.hero-eyebrow {
    font-size: 0.8125rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: #C8A45C;
    margin-bottom: 20px;
}
.hero-headline {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.25rem, 6vw, 4.25rem);
    font-weight: 800;
    line-height: 1.1;
    color: #FFFFFF;
    margin-bottom: 24px;
}
.gold-text { color: #C8A45C; }
.hero-sub {
    font-size: clamp(1rem, 2vw, 1.2rem);
    line-height: 1.7;
    color: rgba(255,255,255,0.78);
    max-width: 600px;
    margin: 0 auto 36px;
}
.hero-actions {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 56px;
}
.hero-stats {
    display: flex;
    justify-content: center;
    gap: 0;
    align-items: center;
}
.hero-stat {
    text-align: center;
    padding: 0 28px;
}
.hero-stat-num {
    display: block;
    font-family: 'Playfair Display', serif;
    font-size: 1.75rem;
    font-weight: 700;
    color: #C8A45C;
    line-height: 1.2;
}
.hero-stat-label {
    display: block;
    font-size: 0.75rem;
    color: rgba(255,255,255,0.6);
    margin-top: 4px;
    letter-spacing: 0.03em;
}
.hero-stat-divider {
    width: 1px;
    height: 40px;
    background: rgba(200,164,92,0.3);
}

/* ── Services ─────────────────────────────────────── */
.services {
    padding: 100px 0;
    background: #F4F6FB;
}
.section-header {
    margin-bottom: 56px;
}
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.service-card {
    background: #FFFFFF;
    border-radius: 10px;
    padding: 36px 28px;
    border: 1px solid #E2E8F4;
    transition: border-color 0.25s, box-shadow 0.25s, transform 0.2s;
}
.service-card:hover {
    border-color: #C8A45C;
    box-shadow: 0 8px 32px rgba(12,23,56,0.08);
    transform: translateY(-3px);
}
.service-icon {
    width: 52px;
    height: 52px;
    background: linear-gradient(135deg, #0C1738 0%, #1E3472 100%);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #C8A45C;
    margin-bottom: 20px;
}
.service-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.25rem;
    font-weight: 700;
    color: #0C1738;
    margin-bottom: 10px;
}
.service-desc {
    font-size: 0.9375rem;
    line-height: 1.65;
    color: #2E4A96;
}

/* ── About ────────────────────────────────────────── */
.about {
    padding: 100px 0;
    background: #FFFFFF;
}
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
}
.about-images {
    position: relative;
}
.about-img-main {
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 16px 48px rgba(12,23,56,0.12);
}
.about-img-main img { width: 100%; height: 480px; object-fit: cover; }
.about-img-secondary {
    position: absolute;
    bottom: -32px;
    right: -24px;
    border-radius: 10px;
    overflow: hidden;
    box-shadow: 0 12px 36px rgba(12,23,56,0.15);
    border: 4px solid #FFFFFF;
}
.about-img-secondary img { width: 100%; height: 280px; object-fit: cover; }
.about-accent {
    position: absolute;
    top: -16px;
    left: -16px;
    width: 80px;
    height: 80px;
    background: #C8A45C;
    border-radius: 10px;
    z-index: -1;
    opacity: 0.6;
}
.about-content { max-width: 520px; }
.about-text {
    font-size: 1rem;
    line-height: 1.75;
    color: #2E4A96;
    margin-bottom: 16px;
}
.about-features {
    margin-top: 28px;
    display: grid;
    gap: 12px;
}
.about-feature {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.9375rem;
    font-weight: 500;
    color: #0C1738;
}
.about-check {
    color: #C8A45C;
    flex-shrink: 0;
}

/* ── Approach ─────────────────────────────────────── */
.approach {
    padding: 100px 0;
    background: #0C1738;
}
.approach .section-label { color: #C8A45C; }
.approach .section-title { color: #FFFFFF; }
.approach .section-desc { color: rgba(255,255,255,0.65); }
.approach-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    align-items: start;
    margin-top: 56px;
}
.approach-step {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 10px;
    padding: 32px 24px;
    text-align: center;
}
.approach-step-num {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    font-weight: 800;
    color: #C8A45C;
    line-height: 1;
    margin-bottom: 14px;
}
.approach-step-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.125rem;
    font-weight: 700;
    color: #FFFFFF;
    margin-bottom: 10px;
}
.approach-step-desc {
    font-size: 0.875rem;
    line-height: 1.65;
    color: rgba(255,255,255,0.6);
}
.approach-step-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(200,164,92,0.4);
    padding-top: 28px;
}

/* ── Insurance ────────────────────────────────────── */
.insurance {
    padding: 80px 0;
    background: #EEF2FA;
}
.insurance-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: center;
}
.insurance-content .section-title { margin-bottom: 16px; }
.insurance-text {
    font-size: 1rem;
    line-height: 1.75;
    color: #2E4A96;
    margin-bottom: 24px;
}
.insurance-logos {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}
.insurance-logo-item {
    background: #FFFFFF;
    border: 1px solid #D2D9EE;
    border-radius: 8px;
    padding: 16px 20px;
    font-size: 0.8125rem;
    font-weight: 600;
    color: #0C1738;
    text-align: center;
    transition: border-color 0.2s, box-shadow 0.2s;
}
.insurance-logo-item:hover {
    border-color: #C8A45C;
    box-shadow: 0 4px 12px rgba(200,164,92,0.15);
}

/* ── Contact ──────────────────────────────────────── */
.contact {
    padding: 100px 0;
    background: #FFFFFF;
}
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
}
.contact-text {
    font-size: 1rem;
    line-height: 1.75;
    color: #2E4A96;
    margin-bottom: 32px;
}
.contact-details {
    display: grid;
    gap: 24px;
}
.contact-detail {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}
.contact-icon {
    color: #C8A45C;
    flex-shrink: 0;
    margin-top: 2px;
}
.contact-detail strong {
    display: block;
    font-size: 0.8125rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: #0C1738;
    margin-bottom: 4px;
}
.contact-detail span,
.contact-detail a {
    font-size: 0.9375rem;
    color: #2E4A96;
    line-height: 1.6;
}
.contact-detail a:hover { color: #C8A45C; text-decoration: underline; }

/* Form */
.contact-form-wrap {
    background: #F4F6FB;
    border-radius: 12px;
    padding: 40px;
    border: 1px solid #E2E8F4;
}
.form-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.375rem;
    font-weight: 700;
    color: #0C1738;
    margin-bottom: 24px;
}
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}
.form-group {
    margin-bottom: 16px;
}
.form-group label {
    display: block;
    font-size: 0.8125rem;
    font-weight: 600;
    color: #0C1738;
    margin-bottom: 6px;
    letter-spacing: 0.02em;
}
.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 11px 14px;
    border: 1px solid #D2D9EE;
    border-radius: 6px;
    font-size: 0.9375rem;
    font-family: inherit;
    color: #0C1738;
    background: #FFFFFF;
    transition: border-color 0.2s, box-shadow 0.2s;
    appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: #C8A45C;
    box-shadow: 0 0 0 3px rgba(200,164,92,0.15);
}
.form-group textarea { resize: vertical; min-height: 96px; }
.form-disclaimer {
    font-size: 0.75rem;
    color: #546AB8;
    text-align: center;
    margin-top: 14px;
}
.form-success {
    display: none;
    text-align: center;
    padding: 40px 20px;
}
.form-success svg { color: #C8A45C; margin: 0 auto 16px; }
.form-success h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    color: #0C1738;
    margin-bottom: 10px;
}
.form-success p {
    font-size: 0.9375rem;
    color: #2E4A96;
    line-height: 1.65;
}

/* ── Footer ───────────────────────────────────────── */
.footer {
    background: #080F24;
    padding: 64px 0 0;
}
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 40px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.07);
}
.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 14px;
}
.footer-logo-mark {
    width: 36px;
    height: 36px;
    background: #C8A45C;
    color: #0C1738;
    font-family: 'Playfair Display', serif;
    font-weight: 800;
    font-size: 1.125rem;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 6px;
}
.footer-logo-text {
    font-size: 0.875rem;
    font-weight: 700;
    color: #FFFFFF;
    line-height: 1.3;
}
.footer-tagline {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.5);
    line-height: 1.65;
    max-width: 280px;
}
.footer-col h4 {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: #C8A45C;
    margin-bottom: 16px;
}
.footer-col ul { display: grid; gap: 10px; }
.footer-col a {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.55);
    transition: color 0.2s;
}
.footer-col a:hover { color: #FFFFFF; }
.footer-address {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.55);
    line-height: 1.7;
}
.footer-address a { color: #C8A45C; transition: color 0.2s; }
.footer-address a:hover { color: #E8C96A; }
.footer-bottom {
    padding: 24px 0;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 16px;
    flex-wrap: wrap;
}
.footer-bottom p {
    font-size: 0.75rem;
    color: rgba(255,255,255,0.3);
    line-height: 1.6;
}
.footer-legal { max-width: 480px; text-align: right; }

/* ── Responsive ───────────────────────────────────── */
@media (max-width: 1024px) {
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .approach-steps { grid-template-columns: repeat(2, 1fr); gap: 20px; }
    .approach-step-arrow { display: none; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
    .hero { padding: 100px 20px 60px; min-height: auto; padding-top: 140px; }
    .hero-stats { flex-direction: column; gap: 16px; }
    .hero-stat-divider { width: 40px; height: 1px; }
    .about-grid { grid-template-columns: 1fr; gap: 48px; }
    .about-img-secondary { right: 0; }
    .insurance-grid { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; gap: 40px; }
    .contact-form-wrap { padding: 28px 20px; }
    .form-row { grid-template-columns: 1fr; }
    .services-grid { grid-template-columns: 1fr; }
    .approach-steps { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; }
    .footer-legal { text-align: left; }
}
@media (max-width: 480px) {
    .hero-headline { font-size: 2rem; }
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { width: 100%; }
}