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

:root {
  --navy: #0c1e3a;
  --navy-light: #152a4a;
  --navy-dark: #081528;
  --gold: #c9a84c;
  --gold-light: #d4b96a;
  --gold-dark: #b8953f;
  --white: #ffffff;
  --off-white: #f7f8fa;
  --gray-50: #f1f3f6;
  --gray-100: #e2e6ec;
  --gray-200: #c8ced8;
  --gray-400: #8a95a5;
  --gray-600: #5a6575;
  --gray-800: #2a3040;
  --font-heading: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --shadow-sm: 0 1px 3px rgba(12, 30, 58, 0.08);
  --shadow-md: 0 4px 16px rgba(12, 30, 58, 0.10);
  --shadow-lg: 0 8px 32px rgba(12, 30, 58, 0.14);
  --shadow-xl: 0 16px 48px rgba(12, 30, 58, 0.18);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

body {
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

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

.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-size: 0.875rem;
  font-weight: 500;
}
.skip-link:focus {
  top: 16px;
}

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

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 600;
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn:active { transform: translateY(0); }

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

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

.btn--outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn--outline-light:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

.btn--lg { padding: 16px 36px; font-size: 1rem; }
.btn--full { width: 100%; justify-content: center; }

/* ── Section Labels ── */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.section-label::before {
  content: '';
  width: 24px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

.section-title {
  font-family: var(--font-heading);
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 20px;
}

.section-subtitle {
  font-size: 1.0625rem;
  color: var(--gray-600);
  max-width: 600px;
  line-height: 1.7;
}

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

/* ── Header ── */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-100);
  transition: var(--transition);
}
.header.scrolled {
  box-shadow: var(--shadow-md);
}

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

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy);
}
.logo-mark { color: var(--navy); }

.nav ul {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
}
.nav a {
  padding: 8px 16px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--gray-600);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav a:hover { color: var(--navy); background: var(--gray-50); }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  width: 40px;
  height: 40px;
  position: relative;
}
.hamburger,
.hamburger::before,
.hamburger::after {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
}
.hamburger { top: 50%; transform: translate(-50%, -50%); }
.hamburger::before { content: ''; top: -7px; left: 0; }
.hamburger::after { content: ''; bottom: -7px; left: 0; }
.nav-toggle[aria-expanded="true"] .hamburger { background: transparent; }
.nav-toggle[aria-expanded="true"] .hamburger::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] .hamburger::after { bottom: 0; transform: rotate(-45deg); }

/* ── Hero ── */
.hero {
  position: relative;
  background: var(--navy);
  padding: 120px 0 80px;
  overflow: hidden;
  min-height: 90vh;
  display: flex;
  align-items: center;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: 
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(201, 168, 76, 0.08) 0%, transparent 60%),
    radial-gradient(ellipse 50% 80% at 20% 80%, rgba(21, 42, 74, 0.5) 0%, transparent 60%);
  pointer-events: none;
}

.hero-inner {
  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(201, 168, 76, 0.15);
  color: var(--gold);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  margin-bottom: 24px;
  border: 1px solid rgba(201, 168, 76, 0.25);
}

.hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 24px;
}

.hero-subtitle {
  font-size: 1.125rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.8;
  margin-bottom: 36px;
  max-width: 520px;
}

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

.hero-visual {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
}

.hero-image-wrap {
  position: relative;
  width: 320px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}
.hero-image-wrap img {
  width: 100%;
  height: 400px;
  object-fit: cover;
}
.hero-image-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(12, 30, 58, 0.3) 0%, transparent 40%);
  border-radius: var(--radius-lg);
}

.stat-cards {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 24px;
  width: 100%;
  max-width: 380px;
}

.stat-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: var(--white);
  padding: 20px 24px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  transition: var(--transition);
}
.stat-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-xl); }

.stat-card svg {
  flex-shrink: 0;
  color: var(--gold);
  margin-top: 2px;
}
.stat-card strong {
  display: block;
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}
.stat-card span {
  font-size: 0.8125rem;
  color: var(--gray-600);
  line-height: 1.6;
}

.hero-wave {
  position: absolute;
  bottom: -1px;
  left: 0;
  width: 100%;
  line-height: 0;
}
.hero-wave svg {
  width: 100%;
  height: 80px;
}

/* ── About ── */
.about {
  padding: 100px 0;
  background: var(--white);
}
.about-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.about-content p {
  color: var(--gray-600);
  font-size: 1.0625rem;
  line-height: 1.8;
  margin-bottom: 16px;
}

.about-list {
  list-style: none;
  margin-top: 32px;
  display: grid;
  gap: 12px;
}
.about-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--gray-800);
}
.about-list li svg {
  color: var(--gold);
  flex-shrink: 0;
}

.about-image {
  position: relative;
}
.about-image img {
  width: 100%;
  height: 560px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.about-accent-block {
  position: absolute;
  bottom: -24px;
  left: -24px;
  background: var(--navy);
  padding: 24px 32px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  text-align: center;
}
.about-accent-block .accent-number {
  display: block;
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}
.about-accent-block .accent-label {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

/* ── Services ── */
.services {
  padding: 100px 0;
  background: var(--off-white);
}
.services-header {
  text-align: center;
  margin-bottom: 56px;
}
.services-header .section-subtitle {
  margin: 0 auto;
}

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

.service-card {
  background: var(--white);
  padding: 36px 32px;
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-100);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gray-50);
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
  transition: var(--transition);
}
.service-card:hover .service-icon {
  background: var(--navy);
}
.service-card:hover .service-icon svg { stroke: var(--gold) !important; }

.service-card h3 {
  font-family: var(--font-heading);
  font-size: 1.1875rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.service-card p {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ── Insurance ── */
.insurance {
  padding: 100px 0;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.insurance::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(201, 168, 76, 0.06) 0%, transparent 60%);
  pointer-events: none;
}

.insurance-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.insurance-content .section-title { color: var(--white); }
.insurance-content p {
  color: rgba(255, 255, 255, 0.75);
  font-size: 1.0625rem;
  line-height: 1.8;
  margin-bottom: 16px;
}
.insurance-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 32px;
}
.insurance-actions .btn--outline-light {
  border-color: rgba(255,255,255,0.3);
  color: rgba(255,255,255,0.9);
}
.insurance-actions .btn--outline-light:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

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

/* ── Contact ── */
.contact {
  padding: 100px 0;
  background: var(--off-white);
}
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.contact-intro {
  font-size: 1.0625rem;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 36px;
}

.contact-details {
  list-style: none;
  display: grid;
  gap: 24px;
  margin-bottom: 36px;
}
.contact-item dt {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gray-400);
  margin-bottom: 6px;
}
.contact-item dd {
  font-size: 1rem;
  color: var(--navy);
  font-weight: 500;
  line-height: 1.6;
}
.contact-item a {
  color: var(--navy);
  font-weight: 600;
  transition: var(--transition);
}
.contact-item a:hover { color: var(--gold); }

.contact-form-wrap {
  background: var(--white);
  padding: 40px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-100);
}
.form-title {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 28px;
}

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

.form-group {
  margin-bottom: 20px;
}
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-800);
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  color: var(--gray-800);
  background: var(--off-white);
  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, 0.15);
}
.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--gray-400);
}
.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

.form-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
}
.form-success.show { display: block; }
.form-success svg {
  margin: 0 auto 16px;
  color: var(--gold);
}
.form-success h4 {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.form-success p {
  color: var(--gray-600);
  font-size: 0.9375rem;
  line-height: 1.7;
}

/* ── Footer ── */
.footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.7);
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding: 64px 0 48px;
}

.logo--light { color: var(--white); }
.logo--light .logo-mark { color: var(--white); }

.footer-brand p {
  margin-top: 12px;
  font-size: 0.9375rem;
  line-height: 1.7;
  max-width: 300px;
}

.footer-info address {
  font-style: normal;
  font-size: 0.9375rem;
  line-height: 1.8;
}
.footer-info a {
  color: var(--gold);
  font-weight: 500;
  transition: var(--transition);
}
.footer-info a:hover { color: var(--gold-light); }

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-links a {
  color: rgba(255,255,255,0.6);
  font-size: 0.9375rem;
  transition: var(--transition);
}
.footer-links a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.4);
}

/* ── Scroll to top ── */
.scroll-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 48px;
  height: 48px;
  background: var(--navy);
  color: var(--gold);
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: var(--transition);
  z-index: 900;
}
.scroll-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.scroll-top:hover {
  background: var(--gold);
  color: var(--navy);
}

/* ── Scroll reveal ── */
.reveal {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: no-preference) {
  .reveal {
    opacity: 0;
    transform: translateY(24px);
  }
  .reveal.revealed {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ── Responsive ── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { align-items: stretch; }
  .hero-image-wrap { width: 100%; max-width: 480px; }
  .about-inner { grid-template-columns: 1fr; gap: 48px; }
  .about-image { order: -1; max-width: 480px; }
  .insurance-inner { grid-template-columns: 1fr; gap: 40px; }
  .insurance-visual { order: -1; }
  .contact-inner { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; align-items: center; justify-content: center; }
  .nav {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--gray-100);
    box-shadow: var(--shadow-lg);
    padding: 16px 24px;
    transform: translateY(-120%);
    opacity: 0;
    transition: var(--transition);
    pointer-events: none;
  }
  .nav.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }
  .nav ul {
    flex-direction: column;
    gap: 4px;
    width: 100%;
  }
  .nav a {
    display: block;
    padding: 12px 16px;
    width: 100%;
  }
  .nav .btn { text-align: center; justify-content: center; }

  .hero { padding: 100px 0 100px; min-height: auto; }
  .hero-title { font-size: clamp(1.75rem, 7vw, 2.5rem); }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .stat-cards { width: 100%; max-width: none; }
  .hero-image-wrap img { height: 300px; }

  .services-grid { grid-template-columns: 1fr; }
  .about-image { max-width: 100%; }
  .about-image img { height: 360px; }
  .about-accent-block { bottom: -16px; left: 16px; padding: 16px 24px; }

  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 28px; }

  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero { padding: 90px 0 90px; }
  .about, .services, .insurance, .contact { padding: 72px 0; }
}