/* ============================================================
   Yogesh Bansal — Private Wealth & Insurance
   Luxury design system
   ============================================================ */

:root {
  /* Palette — luxury black / gold / white
     (variable names kept as navy/gold so every component re-skins from here) */

  /* Rich black scale (formerly "navy") */
  --navy-900: #101012;
  --navy-800: #17171a;
  --navy-700: #202024;
  --navy-600: #2c2c33;
  --ink: #161618;
  --slate: #4c4c52;
  --mist: #86868e;

  /* Antique gold accent — luxury black / gold / white */
  --gold-700: #6f541f;
  --gold-600: #8a6a2e;   /* text-safe deep gold */
  --gold-500: #c19a45;   /* mid gold — lines, stars */
  --gold-400: #d9bd77;   /* bright gold — on dark */
  --gold-200: #ecd9ad;
  --gold-100: #f6edd9;

  --ivory: #f8f6f3;
  --cream: #f3f0ec;
  --paper: #ffffff;
  --line: #e7e2db;

  --ok: #2e7d5b;

  /* Type — editorial luxury pairing (Feature Display / Neue Montreal alternatives) */
  --serif: "Fraunces", "Playfair Display", Georgia, serif;
  --sans: "Hanken Grotesk", "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Rhythm */
  --wrap: 1200px;
  --wrap-tight: 940px;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 2px 10px rgba(20, 20, 22, .07);
  --shadow-md: 0 18px 50px -18px rgba(20, 20, 22, .22);
  --shadow-lg: 0 40px 90px -30px rgba(16, 16, 18, .34);
  --ease: cubic-bezier(.22, .61, .36, 1);
}

/* ---------- Reset & base ---------- */
* { margin: 0; padding: 0; box-sizing: border-box; }
html {
  scroll-behavior: smooth; -webkit-text-size-adjust: 100%;
  scroll-padding-top: 100px; /* keep anchored sections clear of the sticky header */
  scrollbar-color: var(--gold-400) var(--ivory); scrollbar-width: thin;
}
::selection { background: var(--gold-200); color: var(--ink); }
::-webkit-scrollbar { width: 10px; height: 10px; }
::-webkit-scrollbar-track { background: var(--ivory); }
::-webkit-scrollbar-thumb { background: var(--gold-400); border-radius: 10px; border: 2px solid var(--ivory); }
::-webkit-scrollbar-thumb:hover { background: var(--gold-600); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, [tabindex]:focus-visible {
  outline: 2px solid var(--gold-500); outline-offset: 3px; border-radius: 4px;
}
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--ivory);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

h1, h2, h3, h4 { font-family: var(--serif); font-weight: 600; line-height: 1.11; color: var(--ink); letter-spacing: -.015em; font-optical-sizing: auto; }
body { font-optical-sizing: auto; }
h1 { font-size: clamp(2.5rem, 5.5vw, 4.4rem); }
h2 { font-size: clamp(2rem, 3.8vw, 3rem); }
h3 { font-size: clamp(1.3rem, 2vw, 1.6rem); }

p { color: var(--slate); }
strong { color: var(--ink); }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 28px; }
.tight { max-width: var(--wrap-tight); }
section { position: relative; }

/* ---------- Utilities ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--sans);
  font-size: .74rem; font-weight: 700; letter-spacing: .22em;
  text-transform: uppercase; color: var(--gold-600);
}
.eyebrow::before { content: ""; width: 26px; height: 1px; background: var(--gold-500); }
.eyebrow.center::after { content: ""; width: 26px; height: 1px; background: var(--gold-500); }
.eyebrow.center { justify-content: center; }

.lead { font-size: 1.18rem; color: var(--slate); }
.center { text-align: center; }
.gold { color: var(--gold-600); }
.serif-accent { font-family: var(--serif); font-style: italic; color: var(--gold-600); font-weight: 500; }

.section-head { max-width: 720px; margin-bottom: 3.2rem; }
.section-head.center { margin-left: auto; margin-right: auto; }
.section-head h2 { margin: .7rem 0 1rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--sans); font-weight: 600; font-size: .95rem;
  padding: 15px 30px; border-radius: 100px;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), background .3s var(--ease), color .3s var(--ease);
  white-space: nowrap; letter-spacing: .01em;
}
.btn:active { transform: scale(.97); transition-duration: .12s; }
.btn svg { width: 17px; height: 17px; }
.btn-gold {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  color: #241c08; box-shadow: 0 12px 30px -12px rgba(179, 137, 63, .8);
}
.btn-gold:hover { transform: translateY(-3px); box-shadow: 0 20px 40px -14px rgba(179, 137, 63, .9); }
.btn-dark { background: var(--navy-800); color: #fff; }
.btn-dark:hover { transform: translateY(-3px); background: var(--navy-700); box-shadow: var(--shadow-md); }
.btn-ghost { border: 1.5px solid rgba(255, 255, 255, .28); color: #fff; }
.btn-ghost:hover { background: rgba(255, 255, 255, .1); border-color: var(--gold-400); }
.btn-outline { border: 1.5px solid var(--line); color: var(--ink); background: #fff; }
.btn-outline:hover { border-color: var(--gold-500); color: var(--gold-600); transform: translateY(-2px); }
.btn-lg { padding: 18px 38px; font-size: 1rem; }
.text-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--gold-600); transition: gap .25s var(--ease); }
.text-link:hover { gap: 13px; }
.text-link svg { width: 16px; height: 16px; }

/* ============================================================
   HEADER
   ============================================================ */
.topbar {
  background: var(--navy-900); color: #cac8c4;
  font-size: .82rem; letter-spacing: .02em;
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; height: 42px; }
.topbar a { color: #cac8c4; transition: color .2s; display: inline-flex; align-items: center; gap: 7px; }
.topbar a:hover { color: var(--gold-400); }
.topbar-left { display: flex; gap: 26px; }
.topbar-right { display: flex; gap: 22px; align-items: center; }
.topbar svg { width: 14px; height: 14px; opacity: .8; }
.topbar .rating { color: var(--gold-400); font-weight: 600; }

header.site {
  position: sticky; top: 0; z-index: 100;
  background: rgba(251, 249, 244, .86);
  backdrop-filter: saturate(180%) blur(18px);
  border-bottom: 1px solid rgba(231, 224, 211, .8);
  transition: box-shadow .3s, background .3s;
}
header.site.scrolled { box-shadow: var(--shadow-sm); background: rgba(251, 249, 244, .96); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 78px; }

.brand { display: flex; align-items: center; gap: 13px; position: relative; overflow: hidden; flex: none; }
.brand::after {
  content: ""; position: absolute; top: -12%; bottom: -12%; left: -45%; width: 38%; z-index: 2;
  background: linear-gradient(105deg, transparent 22%, rgba(255, 255, 255, .6) 50%, transparent 78%);
  transform: skewX(-15deg); pointer-events: none;
  animation: brandShine 6s ease-in-out infinite;
}
@keyframes brandShine { 0%, 58% { left: -45%; } 80%, 100% { left: 125%; } }
.brand-mark {
  width: 46px; height: 46px; border-radius: 12px; flex: none;
  background: linear-gradient(140deg, var(--navy-700), var(--navy-900));
  display: grid; place-items: center;
  font-family: var(--serif); font-size: 1.25rem; color: var(--gold-400);
  box-shadow: inset 0 0 0 1px rgba(201, 161, 90, .35);
}
.brand-name { font-family: var(--serif); font-size: 1.22rem; font-weight: 600; color: var(--ink); line-height: 1.05; }
.brand-sub { font-size: .64rem; letter-spacing: .24em; text-transform: uppercase; color: var(--gold-600); font-weight: 700; }
.brand-logo { height: 38px; width: auto; max-width: none; display: block; }
.brand-logo-white { height: 40px; }
@media (max-width: 900px) { .brand-logo { height: 32px; } .brand-logo-white { height: 34px; } }
@media (max-width: 620px) { .brand-logo { height: 28px; } .nav-cta .btn-gold { display: none; } }

.nav-links { display: flex; align-items: center; gap: 4px; margin: 0 auto 0 44px; }
.nav-links li > a {
  display: block; padding: 11px 15px; font-size: 1rem; font-weight: 500; color: var(--ink);
  border-radius: 8px; transition: color .2s, background .2s; position: relative; white-space: nowrap;
}
.nav-links li > a::before {
  content: ""; position: absolute; left: 15px; right: 15px; bottom: 7px; height: 1px;
  background: var(--gold-500); transform: scaleX(0); transform-origin: center;
  transition: transform .35s var(--ease);
}
.nav-links li > a:hover { color: var(--gold-600); }
.nav-links li > a:hover::before { transform: scaleX(1); }
.nav-links .has-menu { position: relative; }
.nav-links .has-menu > a::after {
  content: ""; display: inline-block; width: 6px; height: 6px; margin-left: 7px;
  border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-2px); opacity: .55;
}
.dropdown {
  position: absolute; top: calc(100% + 12px); left: 50%; transform: translateX(-50%) translateY(8px);
  background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: var(--shadow-lg);
  padding: 10px; width: 320px; opacity: 0; visibility: hidden; transition: all .28s var(--ease);
}
.has-menu:hover .dropdown { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.dropdown a { display: flex; gap: 13px; align-items: flex-start; padding: 12px 13px; border-radius: 10px; transition: background .2s; }
.dropdown a:hover { background: var(--cream); }
.dropdown .di { width: 38px; height: 38px; border-radius: 9px; flex: none; display: grid; place-items: center;
  background: var(--navy-900); color: var(--gold-400); }
.dropdown .di svg { width: 19px; height: 19px; }
.dropdown .dt { display: block; font-weight: 600; font-size: .92rem; color: var(--ink); margin-bottom: 2px; }
.dropdown .dd { display: block; font-size: .78rem; color: var(--mist); line-height: 1.4; }

.nav-cta { display: flex; align-items: center; gap: 14px; }
.nav-phone { display: flex; align-items: center; gap: 9px; font-weight: 600; font-size: .95rem; white-space: nowrap; }
.nav-phone .pi { width: 38px; height: 38px; border-radius: 50%; background: var(--gold-100); color: var(--gold-600);
  display: grid; place-items: center; }
.nav-phone .pi svg { width: 17px; height: 17px; }
.nav-phone small { display: block; font-size: .62rem; letter-spacing: .16em; text-transform: uppercase; color: var(--mist); font-weight: 700; }

.burger { display: none; flex-direction: column; gap: 5px; width: 44px; height: 44px; justify-content: center; align-items: center; }
.burger span { width: 24px; height: 2px; background: var(--ink); border-radius: 2px; transition: .3s; }
.burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
/* When the menu is open, pin the header to the very top so the logo never
   overlaps the drawer links (the top bar otherwise pushes the header down). */
body.menu-open header.site { position: fixed; top: 0; left: 0; right: 0; width: 100%; }
.drawer { position: fixed; inset: 0; z-index: 99; background: var(--navy-900); padding: 96px 28px 40px;
  transform: translateX(100%); transition: transform .4s var(--ease); overflow-y: auto; }
.drawer.open { transform: translateX(0); }
.drawer a { color: #f1efec; font-size: 1.15rem; font-family: var(--serif); display: block; padding: 15px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .08); }
.drawer .sub a { font-family: var(--sans); font-size: .98rem; padding: 11px 0 11px 18px; color: #aba9a5; border: 0; }
.drawer .drawer-cta { margin-top: 26px; display: grid; gap: 12px; }
/* Keep the drawer CTA buttons looking like buttons (not drawer links) */
.drawer .drawer-cta .btn {
  display: inline-flex; justify-content: center; align-items: center;
  font-family: var(--sans); font-size: .98rem; padding: 16px 28px;
  border-bottom: 0; border-radius: 100px; text-align: center;
}
.drawer .drawer-cta .btn-gold { color: #241c08; }
.drawer .drawer-cta .btn-ghost { color: #fff; }

/* ============================================================
   HERO
   ============================================================ */
.hero { background: var(--navy-900); color: #f1efec; position: relative; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 78% 15%, rgba(201, 161, 90, .22), transparent 45%),
    radial-gradient(circle at 12% 90%, rgba(30, 30, 36, .6), transparent 50%),
    linear-gradient(120deg, transparent 30%, rgba(201, 161, 90, .06) 48%, transparent 66%);
}
.hero::after {
  content: ""; position: absolute; inset: 0; opacity: .4;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Cpath d='M0 0h60v60H0z' fill='none'/%3E%3Cpath d='M0 30h60M30 0v60' stroke='%23ffffff' stroke-opacity='.02' stroke-width='1'/%3E%3C/svg%3E");
}
.hero .wrap { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1fr 1.02fr; gap: 56px; align-items: center;
  padding: 84px 0 96px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px; padding: 8px 16px 8px 8px;
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12);
  border-radius: 100px; font-size: .82rem; margin-bottom: 26px; backdrop-filter: blur(6px);
}
.hero-badge .stars {
  letter-spacing: 2px; color: transparent;
  background: linear-gradient(100deg, var(--gold-600) 0%, var(--gold-400) 34%, #fff4d6 50%, var(--gold-400) 66%, var(--gold-600) 100%);
  background-size: 200% auto; -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
  animation: shineText 3.4s linear infinite;
}
@keyframes shineText { to { background-position: 200% center; } }
.hero-badge b { color: #fff; }
.hero-badge .pill {
  color: #241c08; padding: 3px 11px; border-radius: 100px; font-weight: 700; font-size: .72rem;
  background: linear-gradient(115deg, var(--gold-600) 0%, var(--gold-400) 40%, #fff6df 50%, var(--gold-400) 60%, var(--gold-600) 100%);
  background-size: 220% auto; box-shadow: 0 3px 16px -3px rgba(201, 161, 90, .75);
  animation: pillShine 3.8s ease-in-out infinite;
}
@keyframes pillShine { 0% { background-position: 0% center; } 100% { background-position: 220% center; } }
.hero h1 { color: #fff; margin-bottom: 22px; }
.hero h1 em { font-family: var(--serif); font-style: italic; color: var(--gold-400); }
.hero-sub { font-size: 1.2rem; color: #b6b4b0; max-width: 540px; margin-bottom: 34px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.hero-trust { margin-top: 44px; display: flex; gap: 34px; flex-wrap: wrap; }
.hero-trust .t { display: flex; flex-direction: column; }
.hero-trust .t b { font-family: var(--serif); font-size: 2rem; color: #fff; line-height: 1; }
.hero-trust .t span { font-size: .78rem; color: #918f8c; letter-spacing: .04em; margin-top: 6px; }
.hero-trust .t .gd { color: var(--gold-400); }

/* Hero card */
.hero-card {
  background: linear-gradient(160deg, rgba(255, 255, 255, .1), rgba(255, 255, 255, .03));
  border: 1px solid rgba(255, 255, 255, .14); border-radius: 22px; padding: 8px;
  backdrop-filter: blur(10px); box-shadow: var(--shadow-lg);
}
.hero-card-inner { background: linear-gradient(165deg, #fff, #f8f4ec); border-radius: 16px; padding: 30px; color: var(--ink); }
.hero-card .avatar {
  width: 74px; height: 74px; border-radius: 50%; background: linear-gradient(140deg, var(--navy-700), var(--navy-900));
  display: grid; place-items: center; font-family: var(--serif); font-size: 1.7rem; color: var(--gold-400);
  margin-bottom: 16px; box-shadow: inset 0 0 0 2px rgba(201, 161, 90, .4);
}
.hero-card h3 { font-size: 1.35rem; margin-bottom: 3px; }
.hero-card .role { font-size: .82rem; color: var(--gold-600); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 18px; }
.hero-card .creds { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 20px; }
.hero-card .creds span { font-size: .74rem; font-weight: 700; padding: 5px 12px; background: var(--cream); border: 1px solid var(--line); border-radius: 100px; color: var(--navy-700); }
.hero-card ul.pts { display: grid; gap: 12px; margin-bottom: 22px; }
.hero-card ul.pts li { display: flex; gap: 11px; align-items: flex-start; font-size: .92rem; color: var(--slate); }
.hero-card ul.pts svg { width: 19px; height: 19px; color: var(--ok); flex: none; margin-top: 1px; }
.hero-card .cardcta { display: block; text-align: center; }

/* Hero featured video */
.hero-video { position: relative; }
.hv-frame {
  position: relative; aspect-ratio: 16 / 9; border-radius: 20px; overflow: hidden;
  background: var(--navy-900); cursor: pointer;
  border: 1px solid rgba(255, 255, 255, .16);
  box-shadow: var(--shadow-lg), 0 0 0 7px rgba(255, 255, 255, .03), 0 0 60px -20px rgba(201, 161, 90, .5);
}
.hv-frame video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; display: block; }
.hv-frame::before { /* cinematic vignette */
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(to top, rgba(8, 8, 10, .55), transparent 42%),
              radial-gradient(circle at 50% 44%, transparent 55%, rgba(8, 8, 10, .28));
}
.hv-play {
  position: absolute; inset: 0; margin: auto; z-index: 3;
  width: 84px; height: 84px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  display: grid; place-items: center;
  box-shadow: 0 16px 40px -10px rgba(179, 137, 63, .85);
  transition: transform .3s var(--ease);
}
.hv-play svg { width: 30px; height: 30px; color: #241c08; margin-left: 5px; }
.hv-play::after { content: ""; position: absolute; inset: -8px; border-radius: 50%;
  border: 2px solid rgba(201, 161, 90, .55); animation: hvpulse 2.4s var(--ease) infinite; }
@keyframes hvpulse { 0% { transform: scale(1); opacity: .8; } 100% { transform: scale(1.5); opacity: 0; } }
.hv-frame:hover .hv-play { transform: scale(1.08); }
.hv-play[hidden] { display: none; }
.hv-sound {
  position: absolute; right: 14px; bottom: 14px; z-index: 3;
  width: 44px; height: 44px; border-radius: 50%; color: #fff;
  background: rgba(16, 16, 18, .55); backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, .2); display: grid; place-items: center; transition: .25s;
}
.hv-sound:hover { background: rgba(16, 16, 18, .85); transform: translateY(-2px); }
.hv-sound svg { width: 19px; height: 19px; }
.hv-sound[hidden] { display: none; }
.hv-caption {
  position: absolute; left: 14px; bottom: 14px; z-index: 3;
  display: inline-flex; align-items: center; gap: 9px;
  background: rgba(16, 16, 18, .55); backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, .16); color: #fff;
  font-size: .8rem; font-weight: 600; padding: 8px 15px; border-radius: 100px; letter-spacing: .01em;
}
.hv-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold-400); animation: hvdot 2s infinite; }
@keyframes hvdot { 0% { box-shadow: 0 0 0 0 rgba(201, 161, 90, .55); } 70% { box-shadow: 0 0 0 9px rgba(201, 161, 90, 0); } 100% { box-shadow: 0 0 0 0 rgba(201, 161, 90, 0); } }

/* Client logos / trust strip */
.trust-strip { background: var(--navy-800); border-top: 1px solid rgba(255, 255, 255, .06); }
.trust-strip .wrap { display: flex; align-items: center; justify-content: space-between; gap: 30px; padding: 26px 28px; flex-wrap: wrap; }
.trust-strip .lbl { font-size: .74rem; letter-spacing: .2em; text-transform: uppercase; color: #8a8884; font-weight: 700; }
.trust-strip .items { display: flex; gap: 40px; flex-wrap: wrap; align-items: center; }
.trust-strip .items span { color: #c6c4c0; font-weight: 600; font-size: .95rem; display: flex; align-items: center; gap: 9px; opacity: .9; }
.trust-strip .items svg { width: 20px; height: 20px; color: var(--gold-400); }

/* ============================================================
   SECTION SHELLS
   ============================================================ */
.pad { padding: 100px 0; }
.pad-sm { padding: 74px 0; }
.bg-cream { background: var(--cream); }
.bg-paper { background: var(--paper); }
.bg-navy { background: var(--navy-900); color: #f1efec; }
.bg-navy h2, .bg-navy h3 { color: #fff; }
.bg-navy p { color: #aba9a5; }

/* ---------- Value / features grid ---------- */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.feature {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px 30px;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.feature:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--gold-200, #ecdcc0); }
.feature .ic { width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 20px;
  background: linear-gradient(145deg, var(--navy-700), var(--navy-900)); color: var(--gold-400); }
.feature .ic svg { width: 26px; height: 26px; }
.feature h3 { font-size: 1.25rem; margin-bottom: 10px; }
.feature p { font-size: .95rem; }

/* ---------- Services cards ---------- */
.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.svc {
  position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 34px 30px 30px; overflow: hidden; transition: transform .35s var(--ease), box-shadow .35s var(--ease);
  display: flex; flex-direction: column;
}
.svc::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-600)); transform: scaleX(0); transform-origin: left; transition: transform .4s var(--ease); }
.svc:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.svc:hover::before { transform: scaleX(1); }
.svc .ic { width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 20px;
  background: var(--cream); color: var(--gold-600); border: 1px solid var(--line); }
.svc .ic svg { width: 27px; height: 27px; }
.svc h3 { font-size: 1.28rem; margin-bottom: 11px; }
.svc p { font-size: .95rem; margin-bottom: 18px; flex: 1; }
.svc .tags { display: flex; gap: 7px; flex-wrap: wrap; margin-bottom: 20px; }
.svc .tags span { font-size: .72rem; color: var(--slate); background: var(--cream); padding: 4px 10px; border-radius: 100px; border: 1px solid var(--line); }

/* ---------- Stats band ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.stat { text-align: center; padding: 20px; }
.stat b { font-family: var(--serif); font-size: clamp(2.6rem, 4.5vw, 3.6rem); color: var(--gold-400); display: block; line-height: 1; }
.stat span { color: #aba9a5; font-size: .92rem; margin-top: 12px; display: block; letter-spacing: .03em; }
.stat.on-light b { color: var(--gold-600); }
.stat.on-light span { color: var(--slate); }

/* ---------- Split / about ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.split.wider-left { grid-template-columns: 1.1fr .9fr; }
.portrait {
  border-radius: 22px; overflow: hidden; position: relative;
  background: linear-gradient(160deg, var(--navy-700), var(--navy-900)); aspect-ratio: 4 / 5;
  display: grid; place-items: center; box-shadow: var(--shadow-lg);
}
.portrait .mono { font-family: var(--serif); font-size: 6rem; color: rgba(201, 161, 90, .5); }
.portrait img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 20%; z-index: 0; }
/* Reusable crisp gold star row */
.stars-svg { display: inline-flex; align-items: center; gap: 3px; color: var(--gold-500); line-height: 0; }
.stars-svg svg { width: 16px; height: 16px; display: block; }

.portrait .badge-float {
  z-index: 2; position: absolute; bottom: 20px; left: 20px; right: 20px;
  background: rgba(255, 255, 255, .97); backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, .7);
  border-radius: 16px; padding: 16px 20px; display: flex; align-items: center; gap: 18px;
  box-shadow: 0 22px 45px -18px rgba(16, 16, 18, .45);
}
.portrait .badge-float .bf-score { font-family: var(--serif); font-size: 2.3rem; font-weight: 600; color: var(--ink); line-height: 1; letter-spacing: -.02em; }
.portrait .badge-float .bf-meta { display: flex; flex-direction: column; gap: 6px; padding-left: 18px; border-left: 1px solid var(--line); }
.portrait .badge-float .bf-meta .stars-svg svg { width: 15px; height: 15px; }
.portrait .badge-float .bf-label { font-size: .68rem; text-transform: uppercase; letter-spacing: .13em; color: var(--slate); font-weight: 700; }
.check-list { display: grid; gap: 16px; margin: 26px 0 32px; }
.check-list li { display: flex; gap: 13px; align-items: flex-start; }
.check-list .ck { width: 26px; height: 26px; border-radius: 50%; background: var(--gold-100); color: var(--gold-600); display: grid; place-items: center; flex: none; margin-top: 2px; }
.check-list .ck svg { width: 15px; height: 15px; }
.check-list b { display: block; margin-bottom: 2px; }
.check-list p { font-size: .93rem; margin: 0; }

/* ---------- Process ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; padding-top: 20px; }
.step .n { font-family: var(--serif); font-size: 3rem; color: var(--gold-200, #e8d4ac); line-height: 1; margin-bottom: 14px; }
.step h3 { font-size: 1.2rem; margin-bottom: 9px; }
.step p { font-size: .92rem; }
.step:not(:last-child)::after { content: ""; position: absolute; top: 34px; left: 62px; right: -12px; height: 1px;
  background: repeating-linear-gradient(90deg, var(--line) 0 6px, transparent 6px 12px); }

/* ---------- Testimonials ---------- */
.reviews-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 30px; flex-wrap: wrap; margin-bottom: 3rem; }
.rating-badge { display: flex; align-items: center; gap: 20px; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 18px 26px; box-shadow: var(--shadow-sm); }
.rating-badge .rb-num { font-family: var(--serif); font-size: 2.6rem; font-weight: 600; color: var(--ink); line-height: 1; letter-spacing: -.02em; }
.rating-badge .rb-col { display: flex; flex-direction: column; gap: 6px; padding-left: 20px; border-left: 1px solid var(--line); }
.rating-badge .rb-sub { font-size: .8rem; color: var(--slate); font-weight: 500; letter-spacing: .01em; }
.rating-badge .rb-sub strong { color: var(--ink); font-weight: 700; }

.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; display: flex; flex-direction: column; }
.review .stars { color: var(--gold-500); letter-spacing: 2px; margin-bottom: 16px; }
.review .stars-svg { margin-bottom: 18px; }
.review .stars-svg svg { width: 17px; height: 17px; }
.review p { color: var(--ink); font-size: 1rem; line-height: 1.7; flex: 1; margin-bottom: 22px; }
.review .who { display: flex; align-items: center; gap: 13px; }
.review .ava { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(140deg, var(--navy-700), var(--navy-900)); color: var(--gold-400); display: grid; place-items: center; font-weight: 700; font-family: var(--serif); flex: none; }
.review .who b { display: block; font-size: .95rem; }
.review .who span { font-size: .8rem; color: var(--mist); }

/* ---------- FAQ ---------- */
.faq { max-width: 860px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { width: 100%; text-align: left; display: flex; justify-content: space-between; align-items: center; gap: 20px;
  padding: 26px 4px; font-family: var(--serif); font-size: 1.2rem; color: var(--ink); font-weight: 600; }
.faq-q .pm { width: 30px; height: 30px; border-radius: 50%; border: 1px solid var(--line); flex: none; position: relative; transition: .3s; }
.faq-q .pm::before, .faq-q .pm::after { content: ""; position: absolute; background: var(--gold-600); border-radius: 2px; top: 50%; left: 50%; transform: translate(-50%, -50%); transition: .3s; }
.faq-q .pm::before { width: 13px; height: 1.5px; }
.faq-q .pm::after { width: 1.5px; height: 13px; }
.faq-item.open .pm { background: var(--gold-600); border-color: var(--gold-600); }
.faq-item.open .pm::before, .faq-item.open .pm::after { background: #fff; }
.faq-item.open .pm::after { transform: translate(-50%, -50%) rotate(90deg); opacity: 0; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
.faq-a p { padding: 0 4px 26px; font-size: 1rem; line-height: 1.75; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(140deg, var(--navy-800), var(--navy-900)); border-radius: 26px; padding: 62px 60px; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; top: -40%; right: -10%; width: 460px; height: 460px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201, 161, 90, .22), transparent 65%); }
.cta-band .inner { position: relative; z-index: 2; display: flex; justify-content: space-between; align-items: center; gap: 40px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; max-width: 620px; }
.cta-band p { color: #b6b4b0; margin-top: 12px; max-width: 560px; }
.cta-band .actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ============================================================
   PAGE HERO (interior pages)
   ============================================================ */
.page-hero { background: var(--navy-900); color: #f1efec; position: relative; overflow: hidden; padding: 64px 0 74px; }
.page-hero::before { content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 85% 0%, rgba(201, 161, 90, .16), transparent 42%); }
.page-hero .wrap { position: relative; z-index: 2; }
.crumbs { display: flex; gap: 9px; align-items: center; font-size: .82rem; color: #8d8b87; margin-bottom: 22px; }
.crumbs a:hover { color: var(--gold-400); }
.crumbs span { opacity: .5; }
.page-hero h1 { color: #fff; max-width: 800px; margin-bottom: 18px; }
.page-hero h1 em { font-style: italic; color: var(--gold-400); font-family: var(--serif); }
.page-hero p { color: #b6b4b0; font-size: 1.18rem; max-width: 640px; }
.page-hero .ph-actions { margin-top: 32px; display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- Content prose ---------- */
.prose { max-width: 760px; }
.prose h2 { margin: 2.4rem 0 1rem; }
.prose h3 { margin: 1.8rem 0 .7rem; }
.prose p { margin-bottom: 1.1rem; font-size: 1.06rem; }
.prose ul.bul { margin: 1rem 0 1.4rem; display: grid; gap: 12px; }
.prose ul.bul li { display: flex; gap: 12px; align-items: flex-start; color: var(--slate); }
.prose ul.bul .ck { width: 24px; height: 24px; border-radius: 50%; background: var(--gold-100); color: var(--gold-600); display: grid; place-items: center; flex: none; margin-top: 2px; }
.prose ul.bul .ck svg { width: 14px; height: 14px; }

/* Sticky sidebar layout */
.doc-layout { display: grid; grid-template-columns: 1fr 360px; gap: 56px; align-items: start; }
.side-card { position: sticky; top: 100px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow-sm); }
.side-card h3 { font-size: 1.3rem; margin-bottom: 8px; }
.side-card p { font-size: .92rem; margin-bottom: 20px; }
.side-card .field { margin-bottom: 14px; }
.side-card label { display: block; font-size: .78rem; font-weight: 700; letter-spacing: .04em; color: var(--slate); margin-bottom: 6px; text-transform: uppercase; }
.side-card input, .side-card select, .side-card textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px; font-family: inherit; font-size: .95rem; background: var(--ivory); transition: border .2s, box-shadow .2s;
}
.side-card input:focus, .side-card select:focus, .side-card textarea:focus { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 3px rgba(201, 161, 90, .16); }
.side-card .btn { width: 100%; }
.side-card .trust-mini { margin-top: 16px; text-align: center; font-size: .78rem; color: var(--mist); display: flex; align-items: center; justify-content: center; gap: 7px; }
.side-card .trust-mini svg { width: 15px; height: 15px; color: var(--ok); }

/* Quote-calculator segmented controls (policy type, pre-existing conditions) */
.qform-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.qform-seg { display: flex; gap: 8px; margin-bottom: 14px; }
.qform-seg label { flex: 1; position: relative; margin: 0; }
.qform-seg input { position: absolute; inset: 0; opacity: 0; margin: 0; cursor: pointer; }
.qform-seg span { display: block; text-align: center; padding: 9px 4px; border: 1px solid var(--line); border-radius: var(--radius-sm); font-size: .78rem; font-weight: 700; letter-spacing: .01em; color: var(--slate); text-transform: none; transition: background .2s, color .2s, border-color .2s; }
.qform-seg input:checked + span { background: var(--navy-900); color: #fff; border-color: var(--navy-900); }
.qform-seg input:focus-visible + span { outline: 2px solid var(--gold-500); outline-offset: 1px; }
.qform-hint { font-size: .78rem; color: var(--mist); margin: -8px 0 14px; }

/* ---------- Benefit tiles ---------- */
.benefit-tiles { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.b-tile { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.b-tile .ic { width: 46px; height: 46px; border-radius: 12px; background: var(--cream); color: var(--gold-600); display: grid; place-items: center; margin-bottom: 16px; border: 1px solid var(--line); }
.b-tile .ic svg { width: 23px; height: 23px; }
.b-tile h3 { font-size: 1.15rem; margin-bottom: 8px; }
.b-tile p { font-size: .93rem; }

/* ---------- Comparison / who-for ---------- */
.who-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.who { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; text-align: center; }
.who .em { font-size: 2rem; margin-bottom: 12px; }
.who h3 { font-size: 1.15rem; margin-bottom: 8px; }
.who p { font-size: .9rem; }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 56px; align-items: start; }
.contact-info .ci-item { display: flex; gap: 16px; align-items: flex-start; padding: 20px 0; border-bottom: 1px solid var(--line); }
.contact-info .ci-item .ic { width: 48px; height: 48px; border-radius: 12px; background: var(--navy-900); color: var(--gold-400); display: grid; place-items: center; flex: none; }
.contact-info .ci-item .ic svg { width: 21px; height: 21px; }
.contact-info .ci-item b { display: block; font-family: var(--serif); font-size: 1.1rem; margin-bottom: 3px; }
.contact-info .ci-item a, .contact-info .ci-item span { color: var(--slate); }
.contact-info .ci-item a:hover { color: var(--gold-600); }

.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow-md); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: .82rem; font-weight: 700; color: var(--slate); margin-bottom: 7px; }
.form-group label .req { color: #c0392b; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 13px 15px; border: 1px solid var(--line); border-radius: 10px; font-family: inherit; font-size: .97rem; background: var(--ivory); transition: border .2s, box-shadow .2s;
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 3px rgba(201, 161, 90, .16); }
.form-note { font-size: .82rem; color: var(--mist); margin-top: 14px; text-align: center; }
.form-success { display: none; background: #edf7f1; border: 1px solid #bfe3cd; color: var(--ok); padding: 16px; border-radius: 10px; margin-bottom: 18px; font-size: .95rem; }
.form-success.show { display: block; }

.map-embed { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); height: 340px; background: var(--cream);
  display: grid; place-items: center; }

/* ============================================================
   FOOTER
   ============================================================ */
footer.site { background: var(--navy-900); color: #a6a49f; padding: 74px 0 0; position: relative; overflow: hidden; }
footer.site::before {
  content: ""; position: absolute; inset: 0; pointer-events: none; z-index: 0;
  background: radial-gradient(circle at 88% 0%, rgba(201, 161, 90, .1), transparent 40%);
}
footer.site .wrap { position: relative; z-index: 1; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 44px; padding-bottom: 54px; border-bottom: 1px solid rgba(255, 255, 255, .09); }
.foot-brand .brand { margin-bottom: 20px; }
.foot-brand .brand-name { color: #fff; }
.foot-brand p { font-size: .92rem; color: #928f8b; max-width: 320px; margin-bottom: 22px; }
.foot-social { display: flex; gap: 12px; }
.foot-social a { width: 40px; height: 40px; border-radius: 10px; border: 1px solid rgba(255, 255, 255, .14); display: grid; place-items: center; color: #cac8c4; transition: .25s; }
.foot-social a:hover { background: var(--gold-500); border-color: var(--gold-500); color: var(--navy-900); transform: translateY(-3px); }
.foot-social svg { width: 18px; height: 18px; }
.foot-col h4 { font-family: var(--sans); font-size: .8rem; letter-spacing: .16em; text-transform: uppercase; color: #fff; margin-bottom: 20px; }
.foot-col ul { display: grid; gap: 12px; }
.foot-col a { font-size: .93rem; color: #a6a49f; transition: color .2s; }
.foot-col a:hover { color: var(--gold-400); }
.foot-contact li { display: flex; gap: 12px; font-size: .92rem; margin-bottom: 14px; align-items: flex-start; }
.foot-contact svg { width: 17px; height: 17px; color: var(--gold-400); flex: none; margin-top: 3px; }
.foot-bottom { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 26px 0; flex-wrap: wrap; font-size: .82rem; color: #8a8884; }
.foot-bottom .links { display: flex; gap: 22px; flex-wrap: wrap; }
.foot-bottom a:hover { color: var(--gold-400); }
.disclaimer { background: var(--navy-800); font-size: .76rem; color: #757470; padding: 18px 0; line-height: 1.6; }

/* ---------- Floating call button (mobile) ---------- */
.float-call { position: fixed; bottom: 20px; right: 20px; z-index: 90; display: none;
  width: 58px; height: 58px; border-radius: 50%; background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  box-shadow: 0 12px 30px -8px rgba(179, 137, 63, .8); place-items: center; color: #241c08; }
.float-call svg { width: 24px; height: 24px; }

/* ============================================================
   REVEAL ANIMATION
   ============================================================ */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: .08s; } .reveal.d2 { transition-delay: .16s; } .reveal.d3 { transition-delay: .24s; }

/* ============================================================
   PAGE TRANSITIONS — soft crossfade between pages
   ============================================================ */
@media (prefers-reduced-motion: no-preference) {
  body { animation: pageFadeIn .5s var(--ease) both; }
}
@keyframes pageFadeIn { from { opacity: 0; } to { opacity: 1; } }
body.page-exit { opacity: 0; transition: opacity .3s var(--ease); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
/* Collapse the primary nav to the drawer early so it never crowds */
@media (max-width: 1060px) {
  .nav-links, .nav-phone { display: none; }
  .burger { display: flex; }
}
@media (max-width: 1080px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-card { max-width: 460px; }
  .feature-grid, .svc-grid, .reviews-grid, .who-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .step::after { display: none; }
  .doc-layout { grid-template-columns: 1fr; }
  .side-card { position: static; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .nav-links, .nav-phone span, .topbar-left { display: none; }
  .burger { display: flex; }
  .split, .split.wider-left, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .stats { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .cta-band { padding: 44px 30px; }
  .float-call { display: grid; }
}
@media (max-width: 620px) {
  body { font-size: 16px; }
  .pad { padding: 64px 0; }
  .pad-sm { padding: 50px 0; }
  .wrap { padding: 0 18px; }
  .feature-grid, .svc-grid, .reviews-grid, .who-grid, .benefit-tiles, .stats, .steps { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }

  /* let flex/grid children shrink instead of forcing the row wider than the screen */
  .hero-grid > *, .split > *, .cta-band .inner > * { min-width: 0; }

  /* headings sized down so long words never overflow */
  h1 { font-size: clamp(2rem, 8.5vw, 2.6rem); }
  h2 { font-size: clamp(1.7rem, 6.5vw, 2.1rem); }
  .page-hero h1 { font-size: clamp(2rem, 8vw, 2.5rem); }
  .hero-sub, .page-hero p, .lead { font-size: 1.05rem; }

  /* hero badge wraps instead of forcing width; buttons go full-width & can wrap */
  .hero-badge { flex-wrap: wrap; row-gap: 8px; }
  .hero-grid { gap: 30px; }
  .hero-actions { width: 100%; gap: 12px; }
  .hero-actions .btn { width: 100%; }
  .btn { white-space: normal; }
  .btn-lg { padding: 15px 22px; font-size: .95rem; }
  .hero-trust { gap: 22px; }
  .hero-trust .t b { font-size: 1.7rem; }

  /* top bar: keep the rating, drop the redundant link so it fits on one line */
  .topbar-right { width: 100%; justify-content: center; gap: 14px; }
  .topbar-right a { display: none; }
  .topbar .rating { font-size: .78rem; }

  /* reviews header stacks cleanly */
  .reviews-head { flex-direction: column; align-items: flex-start; gap: 18px; }

  /* CTA band full-width buttons */
  .cta-band { text-align: center; padding: 38px 22px; }
  .cta-band .inner { justify-content: center; }
  .cta-band .actions { width: 100%; display: grid; gap: 12px; }
  .cta-band .actions .btn { width: 100%; }

  .foot-grid { grid-template-columns: 1fr; gap: 30px; }
  .form-card { padding: 22px; }
  .side-card { padding: 24px; }
}