:root {
  --navy-950: #08182c;
  --navy-900: #0f2743;
  --navy-800: #16375e;
  --gold-500: #c7a550;
  --gold-400: #ddc07d;
  --gold-300: #ecd08e;
  --white: #ffffff;
  --slate-50: #f7f9fc;
  --slate-100: #eef2f7;
  --slate-200: #dde5ef;
  --ink-900: #13233a;
  --ink-700: #4f6179;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --shadow-sm: 0 10px 24px rgba(10, 25, 44, 0.08);
  --shadow-md: 0 18px 44px rgba(10, 25, 44, 0.14);
  --shadow-lg: 0 28px 60px rgba(10, 25, 44, 0.18);
  --container: 1200px;
  --space-1: 0.5rem;
  --space-2: 1rem;
  --space-3: 1.5rem;
  --space-4: 2rem;
  --space-5: 2.5rem;
  --space-6: 3rem;
  --space-7: 4rem;
  --section-space: clamp(4rem, 8vw, 6.5rem);
  --text-sm: 0.875rem;
  --text-md: 1rem;
  --text-lg: 1.125rem;
  --text-xl: clamp(1.75rem, 3.2vw, 2.6rem);
  --transition: 0.3s ease;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, sans-serif;
  color: var(--ink-900);
  background: #ffffff;
  line-height: 1.7;
}

a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

/* ── Layout ─────────────────────────────────────────────── */
.container {
  width: min(100% - 2rem, var(--container));
  margin-inline: auto;
}

.section { padding-block: var(--section-space); }

.section-alt {
  background: var(--slate-50);
  padding-block: var(--section-space);
}

/* ── Navbar (shared – base in navbar.css, enhancements here) ── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(13, 34, 60, 0.08);
  transition: box-shadow var(--transition), border-color var(--transition);
}

.site-header.is-scrolled {
  box-shadow: 0 4px 20px rgba(10, 25, 44, 0.10);
  border-bottom-color: rgba(13, 34, 60, 0.12);
}

.brand-logo {
  justify-self: start;
  display: inline-flex;
  align-items: center;
  transition: opacity 0.2s ease;
}
.brand-logo:hover { opacity: 0.88; }
.brand-logo img { height: 52px; width: auto; object-fit: contain; }

.nav-toggle {
  justify-self: end;
  width: 40px;
  height: 40px;
  border: 1.5px solid #d4dce8;
  border-radius: 8px;
  background: var(--white);
  cursor: pointer;
  display: inline-grid;
  place-items: center;
  transition: background 0.2s ease, border-color 0.2s ease;
}
.nav-toggle:hover { background: var(--slate-50); border-color: #b8c6d8; }

.hamburger {
  width: 18px; height: 2px;
  background: var(--navy-900); border-radius: 999px; position: relative;
}
.hamburger::before, .hamburger::after {
  content: ""; position: absolute; left: 0;
  width: 18px; height: 2px; border-radius: 999px; background: var(--navy-900);
}
.hamburger::before { top: -6px; }
.hamburger::after { top: 6px; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0;
  margin: -1px; overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}

/* ── Typography ─────────────────────────────────────────── */
.eyebrow {
  margin: 0 0 var(--space-1);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold-500);
}

.section-title {
  margin: 0;
  font-size: var(--text-xl);
  line-height: 1.18;
  color: var(--navy-900);
  letter-spacing: -0.02em;
}

.section-subtext {
  margin: var(--space-2) 0 0;
  color: var(--ink-700);
  max-width: 68ch;
  font-size: 1.02rem;
}

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border-radius: 999px;
  padding: 0.88rem 1.6rem;
  font-weight: 700;
  font-size: 0.95rem;
  border: 2px solid transparent;
  transition: transform var(--transition), box-shadow var(--transition),
              background var(--transition), color var(--transition), border-color var(--transition);
  cursor: pointer;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }

.btn-primary {
  background: linear-gradient(135deg, #b8882a 0%, #d4ab56 50%, #c9a036 100%);
  color: #fff;
  box-shadow: 0 8px 24px rgba(173, 136, 44, 0.35);
}
.btn-primary:hover {
  box-shadow: 0 14px 32px rgba(173, 136, 44, 0.48);
  background: linear-gradient(135deg, #c4952f 0%, #ddb85e 50%, #d4ad3e 100%);
}

.btn-secondary {
  background: transparent;
  color: var(--navy-900);
  border-color: rgba(15, 39, 67, 0.28);
}
.btn-secondary:hover {
  background: rgba(15, 39, 67, 0.05);
  border-color: rgba(15, 39, 67, 0.44);
}

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.5);
}
.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.82);
}

/* ── Hero ────────────────────────────────────────────────── */
.hero {
  position: relative;
  isolation: isolate;
  min-height: min(88vh, 820px);
  display: grid;
  align-items: center;
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-800) 100%);
  overflow: hidden;
}

/* Decorative diagonal accent — no external image needed */
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 75% 30%, rgba(199, 165, 80, 0.08) 0%, transparent 55%),
    radial-gradient(ellipse at 10% 80%, rgba(22, 55, 94, 0.6) 0%, transparent 60%);
  z-index: -1;
}

.inner-hero { min-height: min(46vh, 420px); }

.home-hero {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-800) 100%);
}

/* Home + inner heroes — insurance / corporate photography (dark overlay for contrast) */
.home-hero.home-hero--photo {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.92) 0%, rgba(15, 39, 67, 0.88) 45%, rgba(22, 55, 94, 0.82) 100%),
    url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=2000&q=80");
  background-size: cover;
  background-position: center 35%;
}

/* Home hero — rotating background slides */
.home-hero.home-hero--slideshow {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-800) 100%);
}

.home-hero.home-hero--slideshow::before {
  display: none;
}

.hero-slides {
  position: absolute;
  inset: 0;
  z-index: 0;
  width: 100%;
  height: 100%;
  min-height: min(88vh, 820px);
}

.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 35%;
  background-repeat: no-repeat;
  opacity: 0;
  transition: opacity 1.1s ease-in-out;
}

.hero-slide.is-active {
  opacity: 1;
}

/* Lighter than the static photo hero so Unsplash backgrounds stay visible while text stays readable */
.hero-slideshow-shade {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background:
    linear-gradient(135deg, rgba(8, 24, 44, 0.58) 0%, rgba(15, 39, 67, 0.48) 50%, rgba(22, 55, 94, 0.42) 100%),
    radial-gradient(ellipse at 75% 30%, rgba(199, 165, 80, 0.1) 0%, transparent 55%),
    radial-gradient(ellipse at 10% 80%, rgba(22, 55, 94, 0.28) 0%, transparent 60%);
}

.home-hero.home-hero--slideshow .container {
  position: relative;
  z-index: 2;
}

.home-hero.home-hero--slideshow .hero-title {
  text-shadow: 0 2px 28px rgba(0, 0, 0, 0.55), 0 1px 3px rgba(0, 0, 0, 0.4);
}

.home-hero.home-hero--slideshow .hero-text {
  text-shadow: 0 1px 14px rgba(0, 0, 0, 0.45);
}

.home-hero.home-hero--slideshow .hero-trust-badge,
.home-hero.home-hero--slideshow .hero-actions {
  text-shadow: 0 1px 10px rgba(0, 0, 0, 0.4);
}

.hero.inner-hero {
  background-size: cover;
  background-position: center;
}

.hero.inner-hero.about-inner-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.9) 0%, rgba(15, 39, 67, 0.88) 100%),
    url("https://images.unsplash.com/photo-1522071820081-009f0129c71c?auto=format&fit=crop&w=2000&q=80");
}

.hero.inner-hero.contact-inner-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.91) 0%, rgba(15, 39, 67, 0.89) 100%),
    url("https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=2000&q=80");
}

.hero.inner-hero.services-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.9) 0%, rgba(15, 39, 67, 0.88) 100%),
    url("https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&w=2000&q=80");
}

.hero.inner-hero.motor-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.9) 0%, rgba(15, 39, 67, 0.86) 100%),
    url("https://images.unsplash.com/photo-1494976388531-d1058494cdd8?auto=format&fit=crop&w=2000&q=80");
}

.hero.inner-hero.property-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.9) 0%, rgba(15, 39, 67, 0.88) 100%),
    url("https://images.unsplash.com/photo-1503387762-592deb58ef4e?auto=format&fit=crop&w=2000&q=80");
}

.hero.inner-hero.engineering-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.9) 0%, rgba(15, 39, 67, 0.88) 100%),
    url("https://images.unsplash.com/photo-1541888946425-d81bb19240f5?auto=format&fit=crop&w=2000&q=80");
}

.hero.inner-hero.marine-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.9) 0%, rgba(15, 39, 67, 0.88) 100%),
    url("https://images.unsplash.com/photo-1578575437130-527eed3abbec?auto=format&fit=crop&w=2000&q=85");
}

.hero.inner-hero.medical-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.91) 0%, rgba(15, 39, 67, 0.89) 100%),
    url("https://images.unsplash.com/photo-1579684385127-1ef15d508118?auto=format&fit=crop&w=2000&q=80");
}

.hero.inner-hero.personal-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.9) 0%, rgba(15, 39, 67, 0.88) 100%),
    url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=2000&q=80");
}

.hero.inner-hero.liability-hero {
  background-image:
    linear-gradient(135deg, rgba(8, 24, 44, 0.9) 0%, rgba(15, 39, 67, 0.88) 100%),
    url("https://images.unsplash.com/photo-1507679799987-c73779587ccf?auto=format&fit=crop&w=2000&q=80");
}

/* Contact page — advisory imagery beside office details */
.contact-side-photo {
  margin: 0 0 1.25rem;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--slate-200);
}

.contact-side-photo img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 4 / 3;
  object-fit: cover;
}

.about-media img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.hero-content {
  color: var(--white);
  max-width: 780px;
  padding-block: clamp(4rem, 9vw, 7rem);
}

.hero .eyebrow { color: var(--gold-400); }

.hero-title {
  margin: 0;
  font-size: clamp(2.4rem, 5.5vw, 4.4rem);
  line-height: 1.06;
  letter-spacing: -0.03em;
  color: #ffffff;
}

.hero-text {
  margin: var(--space-2) 0 0;
  color: rgba(255, 255, 255, 0.85);
  font-size: clamp(1rem, 1.8vw, 1.18rem);
  max-width: 62ch;
  line-height: 1.72;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin-top: var(--space-4);
}

/* ── Hero Trust Badge (logo in hero) ─────────────────────── */
.hero-trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 999px;
  padding: 0.45rem 1.1rem 0.45rem 0.45rem;
  margin-bottom: 1.6rem;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.hero-trust-badge img {
  height: 32px;
  width: auto;
  filter: brightness(0) invert(1);
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  padding: 3px;
}

.hero-badge-label {
  font-size: 0.78rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.9);
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

/* ── Stats Strip ─────────────────────────────────────────── */
.stats-strip {
  background: var(--navy-950);
  padding-block: clamp(2.5rem, 5vw, 3.5rem);
  position: relative;
}

.stats-strip::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300), var(--gold-500));
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.stat-item {
  text-align: center;
  padding: 1.5rem 1rem;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.stat-num {
  display: block;
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 800;
  color: var(--gold-400);
  letter-spacing: -0.04em;
  line-height: 1.1;
}

.stat-num span { color: var(--gold-300); }

.stat-label {
  display: block;
  margin-top: 0.35rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.6);
  letter-spacing: 0.4px;
}

/* ── Authority Strip ─────────────────────────────────────── */
.authority-strip {
  background: var(--white);
  border-bottom: 1px solid var(--slate-100);
  padding-block: clamp(2rem, 4vw, 2.8rem);
}

.authority-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.75rem;
}

.authority-item {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  background: var(--slate-50);
  border-radius: var(--radius-md);
  padding: 1rem 1.15rem;
  border: 1px solid var(--slate-200);
  transition: border-color var(--transition), background var(--transition);
}

.authority-item:hover {
  border-color: rgba(199, 165, 80, 0.4);
  background: rgba(199, 165, 80, 0.04);
}

.authority-icon {
  width: 42px; height: 42px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: linear-gradient(145deg, rgba(199,165,80,0.18) 0%, rgba(221,192,125,0.1) 100%);
  border: 1px solid rgba(199,165,80,0.3);
  color: var(--gold-500);
  flex-shrink: 0;
}

.authority-icon svg {
  width: 20px; height: 20px;
  stroke: currentColor; fill: none; stroke-width: 1.8;
}

.authority-item strong {
  font-size: 0.97rem;
  font-weight: 700;
  color: var(--navy-900);
}

/* ── Generic Cards ───────────────────────────────────────── */
.card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: clamp(1.2rem, 2.2vw, 1.7rem);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(199, 165, 80, 0.42);
}

.card h3 { margin: 0 0 0.5rem; color: var(--navy-900); font-size: 1.08rem; font-weight: 700; }
.card p { margin: 0; color: var(--ink-700); line-height: 1.65; }

.icon-badge {
  width: 46px; height: 46px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, rgba(199,165,80,0.18), rgba(221,192,125,0.1));
  border: 1px solid rgba(199,165,80,0.3);
  color: var(--gold-500);
  margin-bottom: var(--space-2);
  flex-shrink: 0;
}

.icon-badge svg {
  width: 22px; height: 22px;
  stroke: currentColor; fill: none; stroke-width: 1.8;
}

/* ── Service Cards ───────────────────────────────────────── */
.service-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  display: grid;
  grid-template-rows: auto 1fr;
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(199, 165, 80, 0.5);
}

.service-card .img-wrap {
  overflow: hidden;
  position: relative;
}

.service-card .img-wrap::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(8,24,44,0.35) 0%, transparent 60%);
  pointer-events: none;
  transition: opacity 0.3s ease;
}

.service-card:hover .img-wrap::after {
  opacity: 0.6;
}

.service-card img {
  width: 100%;
  height: 220px;
  object-fit: cover;
  display: block;
  transition: transform 0.55s ease;
}

.service-card:hover img { transform: scale(1.06); }

.service-body {
  padding: 1.3rem 1.2rem 1.5rem;
  display: grid;
  gap: 0.7rem;
  align-content: start;
}

.service-body h3 {
  margin: 0; color: var(--navy-900);
  font-size: 1.08rem; font-weight: 700;
}

.service-body p {
  margin: 0; color: var(--ink-700);
  font-size: 0.94rem; line-height: 1.65;
}

/* ── Grids ───────────────────────────────────────────────── */
.grid-2, .grid-3, .grid-4 { display: grid; gap: var(--space-3); }

/* ── About Media ─────────────────────────────────────────── */
.about-media {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  min-height: 340px;
}

.about-media img { width: 100%; height: 100%; object-fit: cover; display: block; }

/* ── Testimonials ────────────────────────────────────────── */
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-top: 3px solid var(--gold-500);
  border-radius: var(--radius-lg);
  padding: 1.8rem 1.6rem 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.testimonial-stars {
  color: var(--gold-500);
  font-size: 0.88rem;
  letter-spacing: 3px;
  margin-bottom: 0.9rem;
  display: block;
}

.testimonial-text {
  color: var(--ink-700);
  font-size: 0.97rem;
  line-height: 1.78;
  margin: 0 0 1.3rem;
  font-style: italic;
}

.testimonial-author {
  font-weight: 700;
  color: var(--navy-900);
  font-size: 0.9rem;
}

.testimonial-role {
  font-size: 0.82rem;
  color: var(--gold-500);
  margin-top: 0.2rem;
  font-weight: 600;
}

/* ── CTA Band ────────────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-800) 100%);
  padding-block: clamp(3.5rem, 7vw, 5.5rem);
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: "";
  position: absolute;
  top: -100px; right: -100px;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: rgba(199, 165, 80, 0.07);
  pointer-events: none;
}

.cta-band::after {
  content: "";
  position: absolute;
  bottom: -80px; left: -80px;
  width: 360px; height: 360px;
  border-radius: 50%;
  background: rgba(199, 165, 80, 0.05);
  pointer-events: none;
}

.cta-inner {
  display: grid;
  gap: 1.5rem;
  align-items: center;
  color: var(--white);
  position: relative;
  z-index: 1;
}

.cta-inner h2 {
  margin: 0;
  font-size: clamp(1.75rem, 3.4vw, 2.6rem);
  line-height: 1.2;
  max-width: 22ch;
  letter-spacing: -0.02em;
}

.cta-inner p {
  margin: 0.8rem 0 0;
  color: rgba(255, 255, 255, 0.75);
  max-width: 56ch;
  font-size: 1.02rem;
}

/* ── Why Choose Us ─── CARD STYLE ──────────────────────── */
.why-item {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-left: 4px solid var(--gold-500);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 1.5rem 1.5rem 1.5rem 1.3rem;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-left-color var(--transition);
}

.why-item:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-left-color: var(--gold-400);
}

.why-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, rgba(199,165,80,0.15), rgba(221,192,125,0.1));
  border: 1px solid rgba(199,165,80,0.28);
  color: var(--gold-500);
  margin-bottom: 1rem;
}

.why-icon svg {
  width: 22px; height: 22px;
  stroke: currentColor; fill: none; stroke-width: 1.8;
}

.why-body h4 {
  margin: 0 0 0.4rem;
  color: var(--navy-900);
  font-size: 1rem; font-weight: 700;
}

.why-body p {
  margin: 0;
  color: var(--ink-700);
  font-size: 0.93rem;
  line-height: 1.65;
}

/* ── Process Steps ───────────────────────────────────────── */
.step-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 1.6rem;
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(199, 165, 80, 0.4);
}

.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  color: var(--navy-900);
  font-weight: 800;
  font-size: 0.95rem;
  margin-bottom: 1rem;
  box-shadow: 0 4px 12px rgba(199,165,80,0.35);
}

.step-card h3 { margin: 0 0 0.5rem; color: var(--navy-900); font-size: 1.08rem; font-weight: 700; }
.step-card p { margin: 0; color: var(--ink-700); font-size: 0.95rem; line-height: 1.65; }

/* ── Form Elements ───────────────────────────────────────── */
.form-panel, .contact-panel {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: clamp(1.4rem, 3vw, 2.2rem);
  box-shadow: var(--shadow-sm);
}

.form-grid { display: grid; gap: var(--space-2); margin-top: var(--space-3); }
.form-field { display: grid; gap: 0.45rem; }

.form-field label {
  color: var(--navy-900);
  font-weight: 600;
  font-size: 0.92rem;
}

input, select, textarea {
  width: 100%;
  border: 1.5px solid #cfd9e6;
  border-radius: 10px;
  padding: 0.82rem 0.95rem;
  font: inherit;
  font-size: 0.95rem;
  color: var(--ink-900);
  background: #fcfdff;
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
}

textarea { min-height: 130px; resize: vertical; }

input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  box-shadow: 0 0 0 4px rgba(199, 165, 80, 0.15);
  background: var(--white);
}

.contact-list { display: grid; gap: 1rem; margin-top: var(--space-3); }

.contact-line {
  display: flex;
  gap: 0.7rem;
  align-items: flex-start;
  color: var(--ink-700);
  font-size: 0.96rem;
}

.contact-line strong { color: var(--navy-900); flex-shrink: 0; }

.map-wrap {
  margin-top: var(--space-3);
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--slate-200);
}

.map-embed { display: block; width: 100%; height: 280px; border: 0; }

/* ── Quick Links ─────────────────────────────────────────── */
.quick-links { position: relative; z-index: 5; }

.quick-links-wrap {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  padding: 0.75rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.quick-link {
  display: inline-flex;
  align-items: center;
  border: 1.5px solid rgba(15, 39, 67, 0.18);
  border-radius: 999px;
  padding: 0.48rem 0.9rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy-900);
  background: var(--white);
  transition: background var(--transition), border-color var(--transition), color var(--transition);
}

.quick-link:hover {
  background: rgba(199, 165, 80, 0.12);
  border-color: rgba(199, 165, 80, 0.55);
}

/* ── Insurance Page Panels ───────────────────────────────── */
.panel {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  padding: clamp(1.3rem, 2.5vw, 2rem);
}

.panel p { margin: 0.7rem 0 0; color: var(--ink-700); }

.panel ul {
  margin: 0.9rem 0 0;
  padding-left: 1.1rem;
  display: grid;
  gap: 0.5rem;
  color: var(--ink-900);
}

.panel li::marker { color: var(--gold-500); }

.feature-grid { display: grid; gap: var(--space-3); margin-top: 1.5rem; }

.feature {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  padding: 1.4rem;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.feature:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: rgba(199, 165, 80, 0.4);
}

.feature h4 { margin: 0 0 0.6rem; color: var(--navy-900); font-size: 1rem; font-weight: 700; }
.feature p { margin: 0; color: var(--ink-700); font-size: 0.94rem; }
.feature ul {
  margin: 0.5rem 0 0; padding-left: 1rem;
  display: grid; gap: 0.42rem;
  color: var(--ink-900); font-size: 0.93rem;
}
.feature li::marker { color: var(--gold-500); }

.image-panel {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--slate-200);
  box-shadow: var(--shadow-md);
}

.image-panel img {
  display: block;
  width: 100%;
  height: auto;
  min-height: 280px;
  aspect-ratio: 3 / 2;
  object-fit: cover;
}

.layout-2 { display: grid; gap: var(--space-4); }

/* ── Footer ──────────────────────────────────────────────── */
.footer {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.78);
  padding-block: clamp(3rem, 5.5vw, 4.5rem);
  border-top: 3px solid var(--gold-500);
}

.footer-grid { display: grid; gap: 2rem; }

.footer-brand img {
  height: 48px; width: auto;
  filter: brightness(0) invert(1);
  opacity: 0.88;
  margin-bottom: 1rem;
}

.footer h4 {
  margin: 0 0 0.9rem;
  color: var(--white);
  font-size: 0.82rem;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

.footer p { margin: 0 0 0.5rem; font-size: 0.9rem; line-height: 1.65; }

.footer-links {
  list-style: none; margin: 0; padding: 0;
  display: grid; gap: 0.5rem;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.68);
  font-size: 0.9rem;
  transition: color 0.2s ease, padding-left 0.2s ease;
  display: inline-block;
}

.footer-links a:hover {
  color: var(--gold-400);
  padding-left: 4px;
}

.footer-bottom {
  margin-top: 2rem;
  padding-top: 1.4rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 0.8rem;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.4);
}

/* ── Value Cards (about page) ────────────────────────────── */
.value-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 1.6rem;
  box-shadow: var(--shadow-sm);
  border-top: 4px solid var(--gold-500);
  transition: transform var(--transition), box-shadow var(--transition);
}

.value-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.value-card h3 { margin: 0 0 0.6rem; color: var(--navy-900); font-size: 1.1rem; font-weight: 700; }
.value-card p { margin: 0; color: var(--ink-700); line-height: 1.7; }

/* ── Contact page ────────────────────────────────────────── */
.office-info-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--slate-100);
}

.office-info-item:last-child { border-bottom: 0; }

.office-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: linear-gradient(135deg, rgba(199,165,80,0.18), rgba(221,192,125,0.1));
  border: 1px solid rgba(199,165,80,0.3);
  display: grid;
  place-items: center;
  color: var(--gold-500);
  flex-shrink: 0;
  margin-top: 2px;
}

.office-icon svg { width: 18px; height: 18px; stroke: currentColor; fill: none; stroke-width: 1.8; }
.office-info-item strong {
  display: block;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--gold-500);
  font-weight: 700;
  margin-bottom: 0.3rem;
}
.office-info-item p { margin: 0; color: var(--ink-700); font-size: 0.95rem; line-height: 1.6; }
.office-info-item a { color: var(--navy-900); font-weight: 600; }
.office-info-item a:hover { color: var(--gold-500); }

.form-submit-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem;
  margin-top: 0.5rem;
}

.form-note { font-size: 0.82rem; color: var(--ink-700); }

.contact-flash {
  padding: 1rem 1.15rem;
  border-radius: var(--radius-md, 10px);
  margin-bottom: 1.25rem;
  font-size: 0.95rem;
  line-height: 1.5;
}
.contact-flash--ok {
  background: rgba(34, 139, 83, 0.12);
  border: 1px solid rgba(34, 139, 83, 0.35);
  color: var(--ink-900);
}
.contact-flash--err {
  background: rgba(196, 68, 68, 0.1);
  border: 1px solid rgba(196, 68, 68, 0.35);
  color: var(--ink-900);
}

.contact-flash--dismiss {
  transition: opacity 0.4s ease, transform 0.4s ease, margin 0.4s ease;
}
.contact-flash--dismiss.contact-flash--hiding {
  opacity: 0;
  transform: translateY(-6px);
  margin-bottom: 0 !important;
  pointer-events: none;
}

/* ── Reveal Animations ───────────────────────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* ── Responsive ──────────────────────────────────────────── */
@media (min-width: 600px) {
  .stats-grid { grid-template-columns: repeat(4, 1fr); }
}

@media (min-width: 760px) {
  .grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .authority-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .feature-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .layout-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: start; }
  .footer-grid { grid-template-columns: 1.4fr 0.8fr 1fr; }
  .cta-inner { grid-template-columns: 1fr auto; align-items: center; }
}

@media (min-width: 980px) {
  .nav-toggle { display: none; }

  .site-nav {
    display: flex !important;
    grid-column: 2 / 3;
    justify-self: end;
    background: transparent;
    position: static;
    box-shadow: none;
    border: 0;
  }

  .site-nav > ul {
    display: flex;
    align-items: center;
    gap: 2.2rem;
    padding: 0; margin: 0;
    list-style: none;
    flex-direction: row;
  }

  .site-nav a {
    display: inline-block;
    font-weight: 600;
    font-size: 0.96rem;
    letter-spacing: 0.2px;
    color: var(--navy-900);
    padding: 0.7rem 0;
    position: relative;
    white-space: nowrap;
    text-decoration: none;
    transition: color 0.2s ease;
  }

  .site-nav a::after {
    content: "";
    position: absolute;
    left: 0; bottom: 0;
    width: 0; height: 2px;
    background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
    transition: width 0.3s ease;
  }

  .site-nav a:hover::after,
  .site-nav a.active::after { width: 100%; }

  .authority-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .layout-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: center; }
  .footer-grid { grid-template-columns: 1.6fr 0.9fr 0.9fr 0.9fr; }
}

@media (min-width: 1020px) {
  .services-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

/* ── Mobile Nav ──────────────────────────────────────────── */
@media (max-width: 979px) {
  .site-nav {
    grid-column: 1 / -1;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--white);
    border-bottom: 1px solid rgba(13, 34, 60, 0.08);
    box-shadow: 0 8px 20px rgba(10, 25, 44, 0.12);
    display: none;
    z-index: 99;
  }

  .site-nav.is-open { display: block; }

  .site-nav > ul {
    list-style: none; margin: 0; padding: 0;
    flex-direction: column; gap: 0; align-items: stretch;
  }

  .site-nav > ul > li > a {
    display: block; width: 100%;
    padding: 1rem 1.2rem;
    font-weight: 600;
    color: var(--navy-900);
    border-bottom: 1px solid rgba(13, 34, 60, 0.05);
    text-decoration: none;
  }

  .site-nav > ul > li > a:hover { background: var(--slate-50); }
  .site-nav a::after { display: none !important; }

  .nav-submenu {
    position: static !important;
    opacity: 1 !important;
    pointer-events: auto !important;
    transform: none !important;
    box-shadow: none !important;
    border: 0 !important;
    border-radius: 0 !important;
    background: var(--slate-50) !important;
    padding: 0.4rem 0.6rem !important;
    min-width: 0 !important;
  }

  .nav-submenu a::after { display: none !important; }
}