/* ============================================================
   Best Insurance Consulting — Main Stylesheet
   ============================================================ */

:root {
  --navy-950: #061527;
  --navy-900: #081C36;
  --navy-800: #0B2545;
  --navy-700: #123156;
  --navy-600: #1B4370;
  --navy-100: #DCE6F2;
  --gold-600: #C9862A;
  --gold-500: #E8A33D;
  --gold-400: #F2B84B;
  --gold-100: #FBEED3;
  --teal-500: #2BB3A3;
  --ink: #16233A;
  --muted: #5B6B84;
  --line: #E4EAF2;
  --bg: #F6F8FC;
  --white: #FFFFFF;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 2px 10px rgba(8, 28, 54, 0.06);
  --shadow-md: 0 10px 30px rgba(8, 28, 54, 0.10);
  --shadow-lg: 0 24px 60px rgba(8, 28, 54, 0.16);
  --font-head: "Sora", "Segoe UI", system-ui, -apple-system, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 96px;
}

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg { display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font: inherit; cursor: pointer; background: none; border: 0; }

h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.18; color: var(--navy-800); }

.container { width: min(1180px, 92%); margin: 0 auto; }
.container-narrow { width: min(860px, 92%); margin: 0 auto; }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--navy-800); color: #fff; padding: 10px 18px; z-index: 200; border-radius: 0 0 10px 0;
}
.skip-link:focus { left: 0; }

/* ---------------- Buttons ---------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-weight: 700; font-family: var(--font-body);
  border-radius: 999px; padding: 13px 26px; font-size: 0.95rem;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease, color 0.25s ease, border-color 0.25s ease;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; flex: 0 0 auto; }

.btn-gold {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-900);
  box-shadow: 0 8px 22px rgba(232, 163, 61, 0.38);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(232, 163, 61, 0.5); }

.btn-navy {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  color: #fff;
  box-shadow: 0 8px 22px rgba(11, 37, 69, 0.28);
}
.btn-navy:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(11, 37, 69, 0.4); }

.btn-ghost-navy {
  background: rgba(11, 37, 69, 0.06); color: var(--navy-800);
}
.btn-ghost-navy:hover { background: rgba(11, 37, 69, 0.12); transform: translateY(-1px); }

.btn-outline-light {
  border: 2px solid rgba(255, 255, 255, 0.55); color: #fff; background: transparent;
}
.btn-outline-light:hover { border-color: #fff; background: rgba(255, 255, 255, 0.1); transform: translateY(-2px); }

.btn-sm { padding: 9px 18px; font-size: 0.85rem; }
.btn-lg { padding: 16px 32px; font-size: 1rem; }
.btn-block { width: 100%; }
.btn:disabled { opacity: 0.65; cursor: wait; transform: none; }

.spinner {
  width: 16px; height: 16px; border-radius: 50%; flex: 0 0 auto;
  border: 2.5px solid rgba(8, 28, 54, 0.25); border-top-color: var(--navy-900);
  animation: spin 0.7s linear infinite; display: inline-block;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------------- Top bar ---------------- */
.topbar { background: var(--navy-950); color: #C9D6E8; font-size: 0.8rem; }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 8px 0; }
.topbar-left, .topbar-right { display: flex; gap: 22px; flex-wrap: wrap; }
.topbar-item { display: inline-flex; align-items: center; gap: 7px; transition: color 0.2s; }
a.topbar-item:hover { color: var(--gold-400); }
.topbar-item svg { width: 14px; height: 14px; fill: none; stroke: var(--gold-400); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: 0 0 auto; }
.topbar-item br { display: none; }

/* ---------------- Header ---------------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: box-shadow 0.3s ease, border-color 0.3s ease;
}
.site-header.scrolled { box-shadow: var(--shadow-md); border-color: var(--line); }
.nav-wrap { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 14px 0; }

.brand { display: inline-flex; align-items: center; gap: 10px; }
.brand-mark { width: 42px; height: 42px; color: var(--navy-800); display: grid; place-items: center; }
.brand-mark svg { width: 100%; height: 100%; }
.brand-text { font-family: var(--font-head); font-weight: 800; font-size: 1.12rem; color: var(--navy-800); letter-spacing: -0.01em; line-height: 1.1; }
.brand-text em { font-style: normal; color: var(--gold-600); display: block; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; }

.main-nav { display: flex; gap: 4px; }
.main-nav a {
  padding: 9px 14px; border-radius: 999px; font-weight: 600; font-size: 0.92rem; color: var(--muted);
  transition: color 0.2s, background 0.2s;
}
.main-nav a:hover { color: var(--navy-800); background: rgba(11, 37, 69, 0.06); }
.main-nav a.active { color: var(--navy-800); background: var(--gold-100); }

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

.nav-toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; border-radius: 8px; }
.nav-toggle span { width: 24px; height: 2.5px; background: var(--navy-800); border-radius: 2px; transition: transform 0.3s ease, opacity 0.3s ease; }
.nav-toggle.active span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

.mobile-nav {
  display: none; flex-direction: column; gap: 4px;
  padding: 10px 4% 18px; border-top: 1px solid var(--line);
  max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.4s ease;
}
.mobile-nav.open { max-height: 480px; }
.mobile-nav a { padding: 12px 10px; font-weight: 600; color: var(--navy-800); border-radius: 10px; }
.mobile-nav a:hover { background: rgba(11, 37, 69, 0.06); }
.mobile-nav a.active { background: var(--gold-100); }
.mobile-call-btn { margin-top: 10px; }

/* ---------------- Hero ---------------- */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1000px 500px at 85% -10%, rgba(43, 179, 163, 0.18), transparent 60%),
    radial-gradient(800px 420px at -10% 110%, rgba(232, 163, 61, 0.14), transparent 55%),
    linear-gradient(158deg, var(--navy-950) 0%, var(--navy-800) 48%, var(--navy-700) 100%);
  color: #fff;
  padding: 84px 0 120px;
}
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.blob { position: absolute; border-radius: 50%; filter: blur(70px); opacity: 0.5; }
.blob-1 { width: 420px; height: 420px; background: rgba(232, 163, 61, 0.35); top: -140px; right: -80px; animation: floatA 14s ease-in-out infinite alternate; }
.blob-2 { width: 360px; height: 360px; background: rgba(43, 179, 163, 0.30); bottom: -120px; left: -100px; animation: floatB 17s ease-in-out infinite alternate; }
.blob-3 { width: 260px; height: 260px; background: rgba(27, 67, 112, 0.7); top: 40%; left: 55%; animation: floatA 12s ease-in-out infinite alternate-reverse; }
@keyframes floatA { from { transform: translate(0, 0) scale(1); } to { transform: translate(-40px, 50px) scale(1.12); } }
@keyframes floatB { from { transform: translate(0, 0) scale(1.05); } to { transform: translate(50px, -40px) scale(0.95); } }

.hero-pattern {
  position: absolute; inset: 0; opacity: 0.5;
  background-image:
    linear-gradient(rgba(255,255,255,0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.045) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(700px 480px at 70% 30%, #000 20%, transparent 75%);
  -webkit-mask-image: radial-gradient(700px 480px at 70% 30%, #000 20%, transparent 75%);
}

.hero-inner { position: relative; display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; }

.eyebrow-badge {
  display: inline-flex; align-items: center; gap: 9px;
  background: rgba(255, 255, 255, 0.08); border: 1px solid rgba(255, 255, 255, 0.18);
  color: var(--gold-400); font-size: 0.8rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  padding: 8px 16px; border-radius: 999px; margin-bottom: 22px;
}
.eyebrow-badge svg { width: 15px; height: 15px; fill: var(--gold-400); }

.hero h1 {
  font-size: clamp(2.3rem, 5.2vw, 3.7rem); font-weight: 800; color: #fff;
  letter-spacing: -0.02em; margin-bottom: 20px;
}
.gold-text {
  background: linear-gradient(100deg, var(--gold-400), var(--gold-500) 60%, #F7D089);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero-sub { font-size: 1.08rem; color: #C7D4E6; max-width: 560px; margin-bottom: 30px; }
.hero-sub strong { color: #fff; }

.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }

.hero-trust { display: flex; flex-wrap: wrap; gap: 10px 26px; }
.hero-trust li { display: inline-flex; align-items: center; gap: 8px; font-size: 0.9rem; font-weight: 600; color: #D5E0EE; }
.hero-trust svg { width: 17px; height: 17px; fill: none; stroke: var(--teal-500); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }

/* Hero card */
.hero-visual { position: relative; }
.hero-card {
  background: #fff; border-radius: 20px; box-shadow: var(--shadow-lg);
  padding: 26px; color: var(--ink); position: relative; z-index: 2;
  animation: cardFloat 7s ease-in-out infinite;
}
@keyframes cardFloat { 0%, 100% { transform: translateY(0) rotate(0.4deg); } 50% { transform: translateY(-12px) rotate(-0.4deg); } }

.hero-card-head { display: flex; align-items: center; gap: 12px; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.hcx-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--navy-800); display: grid; place-items: center; flex: 0 0 auto; }
.hcx-icon svg { width: 26px; height: 26px; fill: var(--gold-400); }
.hero-card-head strong { display: block; font-family: var(--font-head); color: var(--navy-800); font-size: 0.98rem; }
.hero-card-head small { color: var(--muted); font-size: 0.78rem; }
.hcx-badge { margin-left: auto; background: #E7F7F0; color: #177A58; font-size: 0.72rem; font-weight: 800; letter-spacing: 0.05em; text-transform: uppercase; padding: 5px 12px; border-radius: 999px; }

.hero-card-list { padding: 16px 0; display: grid; gap: 12px; }
.hero-card-list li { display: flex; align-items: center; gap: 11px; font-size: 0.92rem; font-weight: 500; }
.tick {
  width: 22px; height: 22px; border-radius: 50%; background: rgba(43, 179, 163, 0.14);
  display: grid; place-items: center; flex: 0 0 auto; animation: popIn 0.5s ease backwards;
}
.hero-card-list li:nth-child(2) .tick { animation-delay: 0.12s; }
.hero-card-list li:nth-child(3) .tick { animation-delay: 0.24s; }
.hero-card-list li:nth-child(4) .tick { animation-delay: 0.36s; }
@keyframes popIn { from { transform: scale(0); } to { transform: scale(1); } }
.tick svg { width: 13px; height: 13px; fill: none; stroke: var(--teal-500); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }

.hero-card-foot { display: flex; align-items: center; justify-content: space-between; background: var(--bg); border-radius: 12px; padding: 14px 16px; }
.hero-card-foot small { color: var(--muted); display: block; font-size: 0.75rem; }
.hero-card-foot strong { font-family: var(--font-head); font-size: 1.35rem; color: var(--navy-800); }
.hero-card-foot strong span { font-size: 0.85rem; color: var(--muted); font-weight: 600; }
.hcx-spark { display: flex; align-items: flex-end; gap: 4px; height: 34px; }
.hcx-spark span { width: 7px; border-radius: 3px; background: linear-gradient(180deg, var(--gold-400), var(--gold-500)); animation: barPulse 2.2s ease-in-out infinite; }
.hcx-spark span:nth-child(1) { height: 40%; animation-delay: 0s; }
.hcx-spark span:nth-child(2) { height: 60%; animation-delay: 0.15s; }
.hcx-spark span:nth-child(3) { height: 48%; animation-delay: 0.3s; }
.hcx-spark span:nth-child(4) { height: 78%; animation-delay: 0.45s; }
.hcx-spark span:nth-child(5) { height: 100%; animation-delay: 0.6s; }
@keyframes barPulse { 0%, 100% { transform: scaleY(1); opacity: 1; } 50% { transform: scaleY(0.72); opacity: 0.7; } }

.float-chip {
  position: absolute; z-index: 3; display: flex; align-items: center; gap: 10px;
  background: #fff; border-radius: 14px; box-shadow: var(--shadow-md); padding: 11px 16px;
  color: var(--ink);
}
.float-chip svg { width: 20px; height: 20px; fill: var(--gold-500); flex: 0 0 auto; }
.float-chip strong { display: block; font-family: var(--font-head); font-size: 0.9rem; color: var(--navy-800); line-height: 1.15; }
.float-chip small { color: var(--muted); font-size: 0.72rem; }
.chip-1 { top: -22px; left: -30px; animation: chipFloat 5.5s ease-in-out infinite; }
.chip-2 { bottom: -20px; right: -18px; animation: chipFloat 6.5s ease-in-out infinite reverse; }
.chip-2 svg { fill: var(--teal-500); }
@keyframes chipFloat { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

.hero-wave { position: absolute; left: 0; right: 0; bottom: -1px; width: 100%; height: 70px; z-index: 1; }

/* ---------------- Marquee ---------------- */
.marquee-strip { background: var(--white); border-bottom: 1px solid var(--line); overflow: hidden; padding: 16px 0; }
.marquee-track { display: flex; align-items: center; gap: 28px; width: max-content; animation: marquee 30s linear infinite; }
.marquee-track span { font-family: var(--font-head); font-weight: 700; color: var(--navy-100); font-size: 1.05rem; letter-spacing: 0.04em; white-space: nowrap; }
.marquee-track i { color: var(--gold-500); font-style: normal; font-weight: 800; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------------- Sections ---------------- */
.section { padding: 96px 0; }
.section-head { max-width: 660px; margin: 0 auto 58px; text-align: center; }
.eyebrow {
  display: inline-block; font-size: 0.78rem; font-weight: 800; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--gold-600); background: var(--gold-100); padding: 6px 16px; border-radius: 999px; margin-bottom: 16px;
}
.eyebrow.light { color: var(--gold-400); background: rgba(232, 163, 61, 0.14); }
.section-head h2 { font-size: clamp(1.75rem, 3.6vw, 2.5rem); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 14px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

/* ---------------- Service cards ---------------- */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }

.svc-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px 24px; display: flex; flex-direction: column;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
  position: relative; overflow: hidden;
}
.svc-card::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 4px;
  background: linear-gradient(90deg, var(--gold-500), var(--teal-500));
  transform: scaleX(0); transform-origin: left; transition: transform 0.4s ease;
}
.svc-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }
.svc-card:hover::before { transform: scaleX(1); }

.svc-icon {
  width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 18px;
  transition: transform 0.3s ease;
}
.svc-card:hover .svc-icon { transform: scale(1.08) rotate(-4deg); }
.svc-icon svg { width: 28px; height: 28px; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.i-health { background: rgba(43, 179, 163, 0.13); } .i-health svg { stroke: var(--teal-500); }
.i-auto { background: rgba(232, 163, 61, 0.15); } .i-auto svg { stroke: var(--gold-600); }
.i-home { background: rgba(11, 37, 69, 0.09); } .i-home svg { stroke: var(--navy-700); }
.i-life { background: #FDE8E8; } .i-life svg { stroke: #E05B5B; }
.i-biz { background: rgba(27, 67, 112, 0.1); } .i-biz svg { stroke: var(--navy-600); }
.i-senior { background: #EAEFFB; } .i-senior svg { stroke: #4A6FD4; }
.i-boat { background: rgba(43, 179, 163, 0.13); } .i-boat svg { stroke: var(--teal-500); }
.i-umbrella { background: var(--gold-100); } .i-umbrella svg { stroke: var(--gold-600); }

.svc-card h3 { font-size: 1.12rem; margin-bottom: 10px; }
.svc-card p { color: var(--muted); font-size: 0.92rem; margin-bottom: 14px; }
.svc-card ul { display: grid; gap: 7px; margin-bottom: 18px; }
.svc-card ul li { position: relative; padding-left: 20px; font-size: 0.85rem; color: var(--ink); font-weight: 500; }
.svc-card ul li::before { content: ""; position: absolute; left: 0; top: 7px; width: 8px; height: 8px; border-radius: 50%; background: var(--gold-400); }
.svc-link {
  margin-top: auto; display: inline-flex; align-items: center; gap: 7px;
  font-weight: 700; font-size: 0.9rem; color: var(--navy-800);
}
.svc-link svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform 0.25s ease; }
.svc-link:hover { color: var(--gold-600); }
.svc-link:hover svg { transform: translateX(4px); }

/* ---------------- About ---------------- */
.about-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 64px; align-items: center; margin-bottom: 70px; }
.about-visual { position: relative; min-height: 420px; display: grid; place-items: center; }
.about-shield {
  width: min(300px, 70%); aspect-ratio: 1; border-radius: 50%;
  background:
    radial-gradient(circle at 32% 28%, rgba(232, 163, 61, 0.25), transparent 55%),
    radial-gradient(circle at 70% 75%, rgba(43, 179, 163, 0.22), transparent 55%),
    linear-gradient(155deg, var(--navy-800), var(--navy-700));
  display: grid; place-items: center; color: var(--gold-400);
  box-shadow: var(--shadow-lg); position: relative;
}
.about-shield::after {
  content: ""; position: absolute; inset: -18px; border-radius: 50%;
  border: 2px dashed rgba(232, 163, 61, 0.4);
  animation: spinSlow 26s linear infinite;
}
@keyframes spinSlow { to { transform: rotate(360deg); } }
.about-shield svg { width: 52%; height: 52%; stroke-width: 1.1; }
.about-chip {
  position: absolute; background: #fff; border-radius: 14px; box-shadow: var(--shadow-md);
  padding: 12px 18px; text-align: center;
}
.about-chip strong { display: block; font-family: var(--font-head); font-size: 0.92rem; color: var(--navy-800); }
.about-chip small { color: var(--muted); font-size: 0.75rem; }
.chip-a { top: 6%; right: 2%; animation: chipFloat 6s ease-in-out infinite; }
.chip-b { bottom: 8%; left: 0; animation: chipFloat 7s ease-in-out infinite reverse; }

.about-copy .eyebrow { margin-bottom: 16px; }
.about-copy h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); margin-bottom: 18px; letter-spacing: -0.02em; }
.about-copy p { color: var(--muted); margin-bottom: 16px; font-size: 1rem; }
.about-copy p strong { color: var(--navy-800); }

.check-list { display: grid; gap: 12px; margin: 22px 0 28px; }
.check-list li { display: flex; align-items: flex-start; gap: 12px; font-weight: 500; }
.check-list svg { width: 22px; height: 22px; flex: 0 0 auto; margin-top: 1px; border-radius: 50%; background: rgba(43, 179, 163, 0.15); padding: 4px; fill: none; stroke: var(--teal-500); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; }

/* Stats */
.stats-band {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  border-radius: 22px; padding: 44px 30px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px;
  box-shadow: var(--shadow-lg); position: relative; overflow: hidden;
}
.stats-band::before {
  content: ""; position: absolute; width: 300px; height: 300px; border-radius: 50%;
  background: rgba(232, 163, 61, 0.16); filter: blur(60px); top: -120px; right: -60px;
}
.stat { text-align: center; position: relative; }
.stat-num { display: block; font-family: var(--font-head); font-weight: 800; font-size: clamp(1.9rem, 3.4vw, 2.7rem); color: var(--gold-400); letter-spacing: -0.02em; }
.stat-label { color: #C7D4E6; font-size: 0.9rem; font-weight: 500; }

/* ---------------- Why cards ---------------- */
.why-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; position: relative; overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.why-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.why-num {
  font-family: var(--font-head); font-weight: 800; font-size: 2.6rem; line-height: 1;
  background: linear-gradient(120deg, var(--gold-400), var(--gold-600));
  -webkit-background-clip: text; background-clip: text; color: transparent;
  margin-bottom: 14px;
}
.why-card h3 { font-size: 1.08rem; margin-bottom: 10px; }
.why-card p { color: var(--muted); font-size: 0.93rem; }

/* ---------------- Process ---------------- */
.process {
  background:
    radial-gradient(700px 300px at 20% 0%, rgba(43, 179, 163, 0.12), transparent 60%),
    linear-gradient(150deg, var(--navy-950), var(--navy-800));
  color: #fff;
}
.process .section-head h2 { color: #fff; }
.process .section-head p { color: #C7D4E6; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; }
.step {
  background: rgba(255, 255, 255, 0.05); border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius); padding: 30px 24px; position: relative;
  transition: transform 0.3s ease, background 0.3s ease, border-color 0.3s ease;
}
.step:hover { transform: translateY(-6px); background: rgba(255, 255, 255, 0.09); border-color: rgba(232, 163, 61, 0.45); }
.step-num {
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400)); color: var(--navy-900);
  font-family: var(--font-head); font-weight: 800; font-size: 1.15rem; margin-bottom: 18px;
  box-shadow: 0 6px 18px rgba(232, 163, 61, 0.4);
}
.step h3 { color: #fff; font-size: 1.05rem; margin-bottom: 9px; }
.step p { color: #B9C8DC; font-size: 0.9rem; }
.step:not(:last-child)::after {
  content: "→"; position: absolute; top: 44px; right: -19px; color: var(--gold-400);
  font-size: 1.3rem; font-weight: 700; z-index: 2;
}

/* ---------------- Testimonials ---------------- */
.t-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; display: flex; flex-direction: column; gap: 14px;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.t-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.stars { color: var(--gold-500); font-size: 1.05rem; letter-spacing: 3px; }
.t-card blockquote { font-size: 0.97rem; color: var(--ink); line-height: 1.7; flex: 1; }
.t-card figcaption strong { display: block; font-family: var(--font-head); color: var(--navy-800); }
.t-card figcaption span { color: var(--muted); font-size: 0.83rem; }

/* ---------------- FAQ ---------------- */
.faq-section { background: #fff; }
.faq { display: grid; gap: 14px; }
.faq-item { border: 1px solid var(--line); border-radius: 14px; background: var(--bg); overflow: hidden; transition: border-color 0.3s ease, background 0.3s ease; }
.faq-item.open { border-color: var(--gold-400); background: #fff; box-shadow: var(--shadow-sm); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 19px 22px; font-family: var(--font-head); font-weight: 700; font-size: 0.98rem; color: var(--navy-800); text-align: left;
}
.faq-chevron { width: 20px; height: 20px; fill: none; stroke: var(--gold-600); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; transition: transform 0.35s ease; flex: 0 0 auto; }
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.faq-item.open .faq-a { max-height: 340px; }
.faq-a-inner { padding: 0 22px 20px; color: var(--muted); font-size: 0.94rem; line-height: 1.75; }
.faq-a-inner strong { color: var(--navy-800); }
.faq-a-inner a { color: var(--gold-600); font-weight: 600; text-decoration: underline; }

/* ---------------- CTA band ---------------- */
.cta-band {
  background:
    radial-gradient(600px 280px at 85% 20%, rgba(232, 163, 61, 0.22), transparent 60%),
    linear-gradient(140deg, var(--navy-800), var(--navy-600));
  color: #fff; padding: 84px 0; position: relative; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 48px 48px;
}
.cta-inner { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 30px; flex-wrap: wrap; }
.cta-inner h2 { color: #fff; font-size: clamp(1.6rem, 3.4vw, 2.3rem); margin-bottom: 8px; letter-spacing: -0.02em; }
.cta-inner p { color: #C7D4E6; font-size: 1.02rem; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------------- Footer ---------------- */
.site-footer { background: var(--navy-950); color: #AABDD6; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 0.8fr 1fr 1.2fr; gap: 40px; padding: 70px 0 50px; }
.brand-light .brand-mark { color: var(--gold-400); }
.brand-light .brand-text { color: #fff; }
.f-brand { display: flex; flex-direction: column; gap: 16px; }
.f-desc { font-size: 0.95rem; }
.f-disclaimer {
  font-size: 0.8rem; line-height: 1.7; color: #8FA3BF;
  background: rgba(255, 255, 255, 0.045); border: 1px solid rgba(255, 255, 255, 0.09);
  border-left: 3px solid var(--gold-500); border-radius: 10px; padding: 14px 16px;
}
.f-disclaimer strong { color: var(--gold-400); }
.f-col h4 { color: #fff; font-size: 1rem; margin-bottom: 18px; letter-spacing: 0.02em; }
.f-col a { display: block; padding: 6px 0; font-size: 0.92rem; transition: color 0.2s, transform 0.2s; }
.f-col a:hover { color: var(--gold-400); transform: translateX(4px); }
.f-contact { display: flex; gap: 10px; align-items: flex-start; padding: 7px 0 !important; font-size: 0.92rem; }
.f-contact svg { width: 17px; height: 17px; fill: none; stroke: var(--gold-400); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; margin-top: 3px; flex: 0 0 auto; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.08); padding: 20px 0; }
.footer-bottom-inner { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; font-size: 0.85rem; }
.fb-legal a { transition: color 0.2s; }
.fb-legal a:hover { color: var(--gold-400); }

/* ---------------- Contact page ---------------- */
.page-hero {
  background:
    radial-gradient(700px 320px at 80% -20%, rgba(232, 163, 61, 0.2), transparent 60%),
    linear-gradient(150deg, var(--navy-950), var(--navy-800));
  color: #fff; text-align: center; padding: 70px 0 84px;
}
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4.6vw, 3rem); margin-bottom: 12px; letter-spacing: -0.02em; }
.page-hero p { color: #C7D4E6; max-width: 560px; margin: 0 auto; font-size: 1.05rem; }
.page-hero .eyebrow { margin-bottom: 18px; }

.contact-grid { display: grid; grid-template-columns: 1.25fr 0.75fr; gap: 30px; margin-top: -30px; position: relative; z-index: 2; }

.contact-form-card {
  background: #fff; border-radius: 20px; box-shadow: var(--shadow-lg); padding: 38px;
  border: 1px solid var(--line);
}
.contact-form-card h2 { font-size: 1.5rem; margin-bottom: 6px; }
.contact-form-card > p { color: var(--muted); font-size: 0.95rem; margin-bottom: 26px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: 0.88rem; color: var(--navy-800); margin-bottom: 7px; }
.field label span { color: #E05B5B; }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 16px; border: 1.5px solid var(--line); border-radius: 12px;
  font: inherit; font-size: 0.95rem; color: var(--ink); background: var(--bg);
  transition: border-color 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--gold-500); background: #fff;
  box-shadow: 0 0 0 4px rgba(232, 163, 61, 0.15);
}
.field textarea { resize: vertical; min-height: 130px; }
.field input::placeholder, .field textarea::placeholder { color: #9AA9BE; }

.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 14px; text-align: center; }
.form-note a { color: var(--gold-600); font-weight: 600; text-decoration: underline; }
.form-status { margin-top: 16px; border-radius: 12px; padding: 14px 18px; font-size: 0.93rem; display: none; line-height: 1.6; }
.form-status a { color: var(--gold-600); font-weight: 600; text-decoration: underline; }
.form-status.success { display: block; background: #E7F7F0; color: #177A58; border: 1px solid #BEE8D4; }
.form-status.error { display: block; background: #FDECEC; color: #B34242; border: 1px solid #F5C9C9; }

.info-stack { display: grid; gap: 16px; align-content: start; }
.info-card {
  background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 22px 24px;
  display: flex; gap: 16px; align-items: flex-start;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.info-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.info-icon {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; flex: 0 0 auto;
  background: var(--navy-800); color: var(--gold-400);
}
.info-icon svg { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.info-card h3 { font-size: 1rem; margin-bottom: 4px; }
.info-card p, .info-card a { color: var(--muted); font-size: 0.92rem; line-height: 1.55; }
.info-card a:hover { color: var(--gold-600); }

.map-wrap {
  margin-top: 34px; border-radius: 20px; overflow: hidden; border: 1px solid var(--line);
  box-shadow: var(--shadow-sm); background: var(--navy-100);
}
.map-wrap iframe { width: 100%; height: 380px; border: 0; display: block; }

/* ---------------- Legal pages ---------------- */
.legal-wrap { max-width: 820px; margin: -40px auto 0; position: relative; z-index: 2; }
.legal-card { background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow-md); padding: 46px 50px; }
.legal-card h1 { font-size: clamp(1.6rem, 3.4vw, 2.2rem); margin-bottom: 8px; letter-spacing: -0.02em; }
.legal-updated { color: var(--muted); font-size: 0.88rem; margin-bottom: 30px; padding-bottom: 22px; border-bottom: 1px solid var(--line); }
.legal-card h2 { font-size: 1.15rem; margin: 32px 0 12px; color: var(--navy-800); }
.legal-card p { color: var(--muted); font-size: 0.95rem; margin-bottom: 14px; line-height: 1.75; }
.legal-card ul { margin: 0 0 14px 20px; list-style: disc; }
.legal-card ul li { color: var(--muted); font-size: 0.95rem; margin-bottom: 8px; line-height: 1.7; }
.legal-card strong { color: var(--navy-800); }
.legal-callout {
  background: var(--gold-100); border-left: 4px solid var(--gold-500); border-radius: 10px;
  padding: 16px 20px; margin: 20px 0; font-size: 0.93rem; color: var(--ink);
}
.legal-callout strong { display: block; margin-bottom: 4px; }

/* ---------------- Reveal animations ---------------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.75s cubic-bezier(0.22, 0.61, 0.36, 1), transform 0.75s cubic-bezier(0.22, 0.61, 0.36, 1); }
.reveal.visible { opacity: 1; transform: none; }
.reveal[data-delay="1"] { transition-delay: 0.1s; }
.reveal[data-delay="2"] { transition-delay: 0.2s; }
.reveal[data-delay="3"] { transition-delay: 0.3s; }
.reveal[data-delay="4"] { transition-delay: 0.4s; }
.reveal[data-delay="5"] { transition-delay: 0.5s; }

/* ---------------- Mobile sticky call bar ---------------- */
.call-bar { display: none; }
.call-icon { position: relative; display: grid; place-items: center; }
.call-icon svg { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 2.1; stroke-linecap: round; stroke-linejoin: round; position: relative; z-index: 1; }
.call-icon::before {
  content: ""; position: absolute; inset: -5px; border-radius: 50%;
  border: 2px solid currentColor; opacity: 0.5; animation: callPulse 1.8s ease-out infinite;
}
@keyframes callPulse {
  0% { transform: scale(0.7); opacity: 0.7; }
  70% { transform: scale(1.35); opacity: 0; }
  100% { transform: scale(1.35); opacity: 0; }
}
.call-text { font-family: var(--font-head); }

/* ---------------- Responsive ---------------- */
@media (max-width: 1080px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .step:not(:last-child)::after { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .topbar-right { display: none; }
}

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 50px; }
  .hero { padding: 64px 0 100px; }
  .hero-visual { max-width: 520px; margin: 0 auto; width: 100%; }
  .chip-1 { left: -10px; }
  .chip-2 { right: -8px; }
  .about-grid { grid-template-columns: 1fr; gap: 50px; }
  .about-visual { min-height: 340px; order: 2; }
  .contact-grid { grid-template-columns: 1fr; }
  .stats-band { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .main-nav, .nav-actions .btn { display: none; }
  .nav-toggle { display: flex; }
  .mobile-nav { display: flex; }
  .section { padding: 70px 0; }
  .section-head { margin-bottom: 42px; }
  .grid-3 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .legal-card { padding: 32px 26px; }
  .topbar { font-size: 0.74rem; }
  .topbar-inner { justify-content: center; }
  .topbar-left { gap: 16px; }
  .cta-inner { flex-direction: column; text-align: center; }
  .cta-actions { justify-content: center; }
  .cta-actions .btn { width: 100%; }
  .footer-bottom-inner { justify-content: center; text-align: center; }

  /* Sticky call bar */
  body { padding-bottom: 74px; }
  .call-bar {
    display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 120;
    align-items: center; justify-content: center; gap: 12px;
    background: linear-gradient(90deg, var(--gold-500), var(--gold-400));
    color: var(--navy-900); font-size: 1.08rem;
    padding: 15px 16px calc(15px + env(safe-area-inset-bottom));
    box-shadow: 0 -10px 30px rgba(8, 28, 54, 0.3);
  }
  .call-bar:active { transform: scale(0.99); }
}

@media (max-width: 560px) {
  .grid-4 { grid-template-columns: 1fr; }
  .hero-ctas .btn { width: 100%; }
  .hero { padding: 48px 0 90px; }
  .hero-card { padding: 22px; }
  .stats-band { grid-template-columns: 1fr 1fr; padding: 34px 20px; gap: 22px; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; padding: 54px 0 40px; }
  .contact-form-card { padding: 28px 22px; }
  .float-chip { padding: 9px 12px; }
  .chip-1 { top: -16px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; }
}