/* ───────────────────────────────────────────
   Reset & Base
   ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #1a2f4e;
  --navy-light: #243a5c;
  --navy-dark:  #111f36;
  --gold:       #c9a84c;
  --gold-light: #d4b76a;
  --gold-dark:  #b8943f;
  --cream:      #faf6ef;
  --cream-dark: #f3ece0;
  --sand:       #f0e8d8;
  --white:      #ffffff;
  --text-dark:  #1a2f4e;
  --text-mid:   #3d5a7e;
  --text-light: #6b8ab0;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow:     0 4px 24px rgba(26,47,78,.08);
  --shadow-lg:  0 12px 48px rgba(26,47,78,.12);
  --transition: .3s cubic-bezier(.4,0,.2,1);
}

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

body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--text-dark);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

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

/* ───────────────────────────────────────────
   Typography
   ─────────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 12px;
}
.section-tag::before {
  content: '';
  width: 24px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

.section-title {
  font-size: clamp(2rem, 4vw, 3rem);
  margin-bottom: 16px;
}

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

.section-header {
  text-align: center;
  margin-bottom: 60px;
}
.section-header .section-desc { margin: 0 auto; }

/* ───────────────────────────────────────────
   Buttons
   ─────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: .95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
}

.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);
}

.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: var(--shadow);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

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

/* ───────────────────────────────────────────
   Header / Nav
   ─────────────────────────────────────────── */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(250,246,239,.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(26,47,78,.08);
  transition: var(--transition);
}
.site-header.scrolled {
  box-shadow: 0 2px 20px rgba(26,47,78,.1);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--navy);
}
.logo-mark { color: var(--navy); }

#main-nav {
  display: flex;
  align-items: center;
  gap: 32px;
}
#main-nav > ul {
  display: flex;
  gap: 8px;
}
#main-nav > ul > li > a {
  padding: 8px 16px;
  font-size: .9rem;
  font-weight: 500;
  color: var(--text-mid);
  border-radius: 50px;
  transition: var(--transition);
}
#main-nav > ul > li > a:hover {
  color: var(--navy);
  background: rgba(26,47,78,.06);
}

.nav-cta {
  padding: 10px 22px !important;
  font-size: .88rem !important;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* ───────────────────────────────────────────
   Hero
   ─────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
  background: linear-gradient(135deg, var(--cream) 0%, var(--sand) 50%, #e8dcc8 100%);
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(201,168,76,.12) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -150px;
  left: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(26,47,78,.06) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(26,47,78,.08);
  color: var(--navy);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: .06em;
  margin-bottom: 24px;
}
.hero-badge svg { color: var(--gold-dark); }

.hero-title {
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
  line-height: 1.12;
  margin-bottom: 24px;
  color: var(--navy);
}
.hero-title em {
  font-style: italic;
  color: var(--gold-dark);
}

.hero-desc {
  font-size: 1.12rem;
  color: var(--text-mid);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 520px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 40px;
}

.hero-features {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.hero-features li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: .95rem;
  color: var(--text-mid);
  font-weight: 500;
}
.hero-features li svg {
  color: var(--gold-dark);
  flex-shrink: 0;
}

.hero-image { position: relative; }
.hero-img-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.hero-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-stat-card {
  position: absolute;
  bottom: -20px;
  left: -30px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 20px 28px;
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.hero-stat-card .stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--gold-dark);
  line-height: 1;
}
.hero-stat-card .stat-label {
  font-size: .82rem;
  color: var(--text-mid);
  font-weight: 500;
  line-height: 1.4;
}

/* ───────────────────────────────────────────
   Sections
   ─────────────────────────────────────────── */
.section {
  padding: 100px 0;
}

/* ───────────────────────────────────────────
   Services
   ─────────────────────────────────────────── */
.services { background: var(--white); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 36px 28px;
  transition: var(--transition);
  border: 1px solid transparent;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,.2);
  background: var(--white);
}

.service-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin-bottom: 20px;
}

.service-card h3 {
  font-size: 1.2rem;
  margin-bottom: 10px;
  color: var(--navy);
}
.service-card p {
  font-size: .95rem;
  color: var(--text-mid);
  line-height: 1.7;
}

/* ───────────────────────────────────────────
   About
   ─────────────────────────────────────────── */
.about { background: var(--cream); }

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

.about-images {
  position: relative;
  min-height: 500px;
}
.about-img-main {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-img-main img { width: 100%; height: 100%; object-fit: cover; }

.about-img-secondary {
  position: absolute;
  bottom: -30px;
  right: -20px;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 6px solid var(--cream);
}
.about-img-secondary img { width: 100%; height: 100%; object-fit: cover; }

.about-accent {
  position: absolute;
  top: -20px;
  right: 40px;
  width: 120px;
  height: 120px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: var(--radius);
  opacity: .25;
  z-index: -1;
}

.about-content .section-tag { margin-bottom: 12px; }
.about-content .section-title { margin-bottom: 24px; }

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

.about-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 28px 0 36px;
}
.about-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .92rem;
  color: var(--text-dark);
  font-weight: 500;
}
.about-list li svg {
  color: var(--gold-dark);
  flex-shrink: 0;
  margin-top: 2px;
}

/* ───────────────────────────────────────────
   Why
   ─────────────────────────────────────────── */
.why {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
}
.why .section-tag { color: var(--gold); }
.why .section-tag::before { background: var(--gold); }
.why .section-title { color: var(--white); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.why-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius);
  padding: 36px 24px;
  transition: var(--transition);
}
.why-card:hover {
  background: rgba(255,255,255,.1);
  transform: translateY(-4px);
}

.why-number {
  font-family: 'Playfair Display', serif;
  font-size: 3rem;
  font-weight: 700;
  color: var(--gold);
  opacity: .35;
  line-height: 1;
  margin-bottom: 16px;
}

.why-card h3 {
  font-size: 1.15rem;
  color: var(--white);
  margin-bottom: 10px;
}
.why-card p {
  font-size: .9rem;
  color: rgba(255,255,255,.7);
  line-height: 1.75;
}

/* ───────────────────────────────────────────
   Insurance
   ─────────────────────────────────────────── */
.insurance { background: var(--white); }

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

.insurance-content .section-tag { margin-bottom: 12px; }
.insurance-content .section-title { margin-bottom: 20px; }
.insurance-text {
  font-size: 1.05rem;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 28px;
}

.insurance-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.insurance-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: .95rem;
  font-weight: 500;
  color: var(--text-dark);
}
.insurance-list li svg { color: var(--gold-dark); flex-shrink: 0; }

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

/* ───────────────────────────────────────────
   Contact
   ─────────────────────────────────────────── */
.contact { background: var(--cream); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  margin-bottom: 60px;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-item {
  display: flex;
  gap: 16px;
}
.contact-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}
.contact-item strong {
  display: block;
  font-size: .82rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 4px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
}
.contact-item p {
  font-size: 1rem;
  color: var(--text-dark);
  line-height: 1.6;
}
.contact-item a {
  color: var(--navy);
  font-weight: 500;
  transition: var(--transition);
}
.contact-item a:hover { color: var(--gold-dark); }

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 16px;
}
.form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid rgba(26,47,78,.15);
  border-radius: var(--radius);
  font-family: 'Inter', sans-serif;
  font-size: .95rem;
  color: var(--text-dark);
  background: var(--cream);
  transition: var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(201,168,76,.15);
}
.form-group textarea { resize: vertical; min-height: 100px; }

.form-note {
  font-size: .82rem;
  color: var(--text-light);
  margin-top: 12px;
  text-align: center;
}

.form-success {
  text-align: center;
  padding: 40px 20px;
}
.form-success svg {
  color: var(--gold-dark);
  margin-bottom: 16px;
}
.form-success h3 {
  font-size: 1.5rem;
  margin-bottom: 8px;
  color: var(--navy);
}
.form-success p {
  color: var(--text-mid);
  margin-bottom: 24px;
}

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

/* ───────────────────────────────────────────
   Footer
   ─────────────────────────────────────────── */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.75);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
}

.footer-brand .logo { color: var(--white); margin-bottom: 16px; }
.footer-brand .logo-mark { color: var(--white); }
.footer-tagline {
  font-size: .92rem;
  line-height: 1.7;
  color: rgba(255,255,255,.6);
}

.footer-links strong,
.footer-contact strong {
  display: block;
  font-size: .82rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
}

.footer-links ul,
.footer-contact ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-links a,
.footer-contact a {
  font-size: .9rem;
  color: rgba(255,255,255,.65);
  transition: var(--transition);
}
.footer-links a:hover,
.footer-contact a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 24px 0;
}
.footer-bottom p {
  font-size: .85rem;
  color: rgba(255,255,255,.45);
  text-align: center;
}

/* ───────────────────────────────────────────
   Scroll Reveal (progressive enhancement)
   ─────────────────────────────────────────── */
@media (prefers-reduced-motion: no-preference) {
  .reveal {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity .6s ease, transform .6s ease;
  }
  .reveal.visible {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ───────────────────────────────────────────
   Responsive
   ─────────────────────────────────────────── */
@media (max-width: 1024px) {
  .hero-grid { gap: 40px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .about-grid,
  .insurance-inner { gap: 48px; }
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; }

  #main-nav {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: rgba(250,246,239,.98);
    backdrop-filter: blur(12px);
    flex-direction: column;
    padding: 24px;
    gap: 8px;
    border-bottom: 1px solid rgba(26,47,78,.1);
    transform: translateY(-110%);
    opacity: 0;
    transition: var(--transition);
    pointer-events: none;
  }
  #main-nav.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }
  #main-nav > ul {
    flex-direction: column;
    width: 100%;
  }
  #main-nav > ul > li > a {
    display: block;
    padding: 12px 16px;
    border-radius: var(--radius);
  }
  .nav-cta {
    margin-top: 8px;
    justify-content: center;
  }

  .hero { padding: 100px 0 60px; min-height: auto; }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero-image { order: -1; }
  .hero-img-wrap { max-height: 360px; }
  .hero-stat-card { left: 16px; bottom: -16px; }

  .section { padding: 72px 0; }
  .section-header { margin-bottom: 48px; }

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

  .about-grid,
  .insurance-inner,
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .about-images { min-height: 360px; }
  .about-img-secondary { right: 10px; bottom: -20px; }

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

  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 24px; }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

@media (max-width: 480px) {
  .hero-title { font-size: 1.9rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .about-list { grid-template-columns: 1fr; }
}