/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'DM Sans', sans-serif;
  color: #1a2a3a;
  background: #faf8f5;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ── Typography ── */
h1, h2, h3, h4 { font-family: 'Playfair Display', serif; font-weight: 600; line-height: 1.25; }
.eyebrow {
  display: inline-block;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #b8860b;
  margin-bottom: .5rem;
}
.section-header { text-align: center; max-width: 680px; margin: 0 auto 3.5rem; }
.section-header h2 { font-size: clamp(1.75rem, 4vw, 2.5rem); color: #0f2744; margin-bottom: .75rem; }
.section-lead { color: #4a6274; font-size: 1.05rem; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 2px solid transparent;
  border-radius: 50px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: .95rem;
  cursor: pointer;
  transition: background .25s, color .25s, transform .2s, box-shadow .25s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-gold {
  background: #b8860b;
  color: #fff;
  border-color: #b8860b;
}
.btn-gold:hover { background: #9a7209; border-color: #9a7209; box-shadow: 0 8px 24px rgba(184,134,11,.3); }
.btn-navy {
  background: #0f2744;
  color: #fff;
  border-color: #0f2744;
}
.btn-navy:hover { background: #1a3a5c; border-color: #1a3a5c; box-shadow: 0 8px 24px rgba(15,39,68,.3); }
.btn-outline-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,.6);
}
.btn-outline-light:hover { background: rgba(255,255,255,.12); border-color: #fff; }
.btn-lg { padding: 14px 32px; font-size: 1rem; }

/* ── Header ── */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(250,248,245,.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(15,39,68,.08);
  transition: box-shadow .3s;
}
.site-header.scrolled { box-shadow: 0 2px 20px rgba(15,39,68,.1); }
.nav-inner {
  display: flex;
  align-items: center;
  height: 72px;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Playfair Display', serif;
  font-weight: 600;
  font-size: 1.15rem;
  color: #0f2744;
}
.logo-mark { color: #b8860b; }
.main-nav {
  margin-left: auto;
  display: flex;
  align-items: center;
  gap: 32px;
}
.main-nav ul { display: flex; gap: 28px; }
.main-nav a:not(.btn) {
  font-size: .9rem;
  font-weight: 500;
  color: #4a6274;
  position: relative;
  transition: color .2s;
}
.main-nav a:not(.btn)::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0;
  width: 0; height: 2px;
  background: #b8860b;
  transition: width .25s;
}
.main-nav a:not(.btn):hover { color: #0f2744; }
.main-nav a:not(.btn):hover::after { width: 100%; }
.main-nav .btn { padding: 10px 24px; font-size: .88rem; }

/* ── Mobile Nav ── */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  width: 36px;
  height: 36px;
  position: relative;
  margin-left: auto;
}
.hamburger, .hamburger::before, .hamburger::after {
  display: block;
  width: 24px;
  height: 2px;
  background: #0f2744;
  border-radius: 2px;
  transition: transform .3s, opacity .3s;
}
.hamburger { position: relative; }
.hamburger::before, .hamburger::after {
  content: '';
  position: absolute;
  left: 0;
}
.hamburger::before { top: -7px; }
.hamburger::after { top: 7px; }
.nav-toggle[aria-expanded="true"] .hamburger { background: transparent; }
.nav-toggle[aria-expanded="true"] .hamburger::before { transform: rotate(45deg); top: 0; }
.nav-toggle[aria-expanded="true"] .hamburger::after { transform: rotate(-45deg); top: 0; }

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: fixed;
    top: 72px; left: 0; right: 0;
    background: rgba(250,248,245,.98);
    backdrop-filter: blur(12px);
    flex-direction: column;
    padding: 24px;
    gap: 20px;
    border-bottom: 1px solid rgba(15,39,68,.08);
    transform: translateY(-110%);
    opacity: 0;
    transition: transform .35s ease, opacity .35s ease;
    pointer-events: none;
  }
  .main-nav.open { transform: translateY(0); opacity: 1; pointer-events: all; }
  .main-nav ul { flex-direction: column; align-items: center; gap: 16px; }
  .main-nav .btn { width: 100%; justify-content: center; }
}

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: #0f2744;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(15,39,68,.88) 0%, rgba(26,58,92,.72) 60%, rgba(15,39,68,.55) 100%);
}
.hero-content {
  position: relative;
  z-index: 1;
  padding: 120px 24px 80px;
  max-width: 720px;
}
.hero-badge {
  display: inline-block;
  background: rgba(184,134,11,.2);
  border: 1px solid rgba(184,134,11,.4);
  color: #e8c547;
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 1.25rem;
}
.hero h1 {
  font-size: clamp(2rem, 5vw, 3.25rem);
  color: #fff;
  margin-bottom: 1rem;
  line-height: 1.15;
}
.hero-sub {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255,255,255,.8);
  margin-bottom: 2rem;
  max-width: 560px;
  line-height: 1.7;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; }
.scroll-indicator {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  color: rgba(255,255,255,.5);
  animation: bobble 2s ease-in-out infinite;
  z-index: 1;
}
@keyframes bobble {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(8px); }
}
@media (max-width: 768px) {
  .hero-content { padding: 100px 24px 60px; }
}

/* ── Services ── */
.services { padding: 100px 0; background: #faf8f5; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 24px;
}
.service-card {
  background: #fff;
  border-radius: 20px;
  padding: 32px;
  box-shadow: 0 4px 24px rgba(15,39,68,.06);
  border: 1px solid rgba(15,39,68,.06);
  transition: transform .3s, box-shadow .3s;
}
.service-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(15,39,68,.1); }
.service-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, #0f2744, #1a3a5c);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #e8c547;
  margin-bottom: 1.25rem;
}
.service-card h3 { font-size: 1.2rem; color: #0f2744; margin-bottom: .5rem; }
.service-card p { color: #4a6274; font-size: .95rem; }

/* ── About ── */
.about { padding: 100px 0; background: #fff; }
.about-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-image { border-radius: 24px; overflow: hidden; box-shadow: 0 16px 48px rgba(15,39,68,.12); }
.about-image img { width: 100%; height: 100%; object-fit: cover; }
.about-content h2 { font-size: clamp(1.75rem, 3.5vw, 2.25rem); color: #0f2744; margin-bottom: 1rem; }
.about-content p { color: #4a6274; margin-bottom: 1rem; }
.principles-list { margin: 1rem 0 1.5rem; display: flex; flex-direction: column; gap: 12px; }
.principles-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  color: #4a6274;
}
.principles-list li::before {
  content: '';
  flex-shrink: 0;
  width: 8px; height: 8px;
  background: #b8860b;
  border-radius: 50%;
  margin-top: 9px;
}
.about-cta { font-size: .95rem; color: #6b8a9e; }
@media (max-width: 900px) {
  .about-layout { grid-template-columns: 1fr; gap: 40px; }
  .about-image { max-height: 400px; }
}

/* ── Why ── */
.why { padding: 100px 0; background: #0f2744; }
.why .section-header h2 { color: #fff; }
.why .section-header .eyebrow { color: #e8c547; }
.why .section-header .section-lead { color: rgba(255,255,255,.6); }
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 24px;
}
.why-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 20px;
  padding: 32px;
  transition: background .3s, transform .3s;
}
.why-card:hover { background: rgba(255,255,255,.1); transform: translateY(-4px); }
.why-num {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: rgba(232,197,71,.3);
  line-height: 1;
  margin-bottom: .75rem;
}
.why-card h3 { font-size: 1.15rem; color: #fff; margin-bottom: .5rem; }
.why-card p { color: rgba(255,255,255,.65); font-size: .92rem; }

/* ── Insurance ── */
.insurance { padding: 100px 0; background: #faf8f5; }
.insurance-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.insurance-content h2 { font-size: clamp(1.75rem, 3.5vw, 2.25rem); color: #0f2744; margin-bottom: 1rem; }
.insurance-content p { color: #4a6274; margin-bottom: 1rem; }
.insurance-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 1.5rem;
}
.ins-badge {
  background: #fff;
  border: 1px solid rgba(15,39,68,.12);
  border-radius: 50px;
  padding: 6px 16px;
  font-size: .82rem;
  font-weight: 600;
  color: #0f2744;
}
.insurance-card {
  background: linear-gradient(135deg, #0f2744, #1a3a5c);
  border-radius: 24px;
  padding: 48px;
  color: #fff;
  box-shadow: 0 20px 60px rgba(15,39,68,.25);
}
.ic-icon { color: #e8c547; margin-bottom: 1.25rem; }
.insurance-card h3 { font-size: 1.5rem; margin-bottom: .75rem; }
.insurance-card p { color: rgba(255,255,255,.75); font-size: .95rem; }
@media (max-width: 900px) {
  .insurance-layout { grid-template-columns: 1fr; }
}

/* ── CTA Banner ── */
.cta-banner {
  padding: 80px 0;
  background: linear-gradient(135deg, #b8860b, #d4a017);
}
.cta-inner { text-align: center; max-width: 640px; margin: 0 auto; }
.cta-inner h2 { font-size: clamp(1.75rem, 4vw, 2.5rem); color: #fff; margin-bottom: 1rem; }
.cta-inner p { color: rgba(255,255,255,.88); font-size: 1.05rem; margin-bottom: 2rem; }
.cta-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 16px; }
.btn-outline-dark {
  background: transparent;
  color: #0f2744;
  border-color: #0f2744;
}
.btn-outline-dark:hover { background: #0f2744; color: #fff; }

/* ── Contact ── */
.contact { padding: 100px 0; background: #fff; }
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.contact-info h2 { font-size: clamp(1.75rem, 3.5vw, 2.25rem); color: #0f2744; margin-bottom: 1.5rem; }
.address-line, .phone-line {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: #4a6274;
  margin-bottom: 1rem;
  font-style: normal;
}
.phone-line a { color: #b8860b; font-weight: 600; transition: color .2s; }
.phone-line a:hover { color: #9a7209; }
.contact-hours {
  margin: 2rem 0;
  background: #faf8f5;
  border-radius: 16px;
  padding: 24px;
}
.contact-hours h3 { font-size: 1rem; color: #0f2744; margin-bottom: .75rem; }
.contact-hours ul { display: flex; flex-direction: column; gap: 8px; }
.contact-hours li {
  display: flex;
  justify-content: space-between;
  font-size: .9rem;
  color: #4a6274;
  padding-bottom: 8px;
  border-bottom: 1px solid rgba(15,39,68,.08);
}
.contact-hours li:last-child { border-bottom: none; }
.contact-form { margin-top: 2rem; }
.contact-form h3 { font-size: 1.1rem; color: #0f2744; margin-bottom: 1rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: #0f2744;
  margin-bottom: 6px;
}
.form-group input,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid rgba(15,39,68,.15);
  border-radius: 12px;
  font-family: 'DM Sans', sans-serif;
  font-size: .95rem;
  color: #1a2a3a;
  background: #faf8f5;
  transition: border-color .2s, box-shadow .2s;
  outline: none;
}
.form-group input:focus,
.form-group textarea:focus {
  border-color: #b8860b;
  box-shadow: 0 0 0 3px rgba(184,134,11,.15);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: #9fb4c4; }
.form-success {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #e8f5e9;
  border: 1px solid #a5d6a7;
  border-radius: 12px;
  padding: 14px 18px;
  color: #2e7d32;
  font-weight: 500;
  font-size: .92rem;
  margin-top: 1rem;
}
.form-success.hidden { display: none; }
.contact-map {
  min-height: 420px;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(15,39,68,.1);
}
@media (max-width: 900px) {
  .contact-layout { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .contact-map { min-height: 300px; }
}

/* ── Footer ── */
.site-footer { background: #0a1e33; color: rgba(255,255,255,.7); padding: 64px 0 0; }
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand .logo { color: #fff; margin-bottom: 1rem; }
.footer-brand p { font-size: .9rem; line-height: 1.7; max-width: 300px; }
.footer-links h4, .footer-contact h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: .85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: #e8c547;
  margin-bottom: 1rem;
}
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: .9rem; transition: color .2s; }
.footer-links a:hover { color: #fff; }
.footer-contact p { font-size: .9rem; margin-bottom: 6px; }
.footer-contact a { color: #e8c547; font-weight: 600; transition: color .2s; }
.footer-contact a:hover { color: #f0d060; }
.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 24px 0;
  font-size: .82rem;
  color: rgba(255,255,255,.4);
}
.footer-bottom p { line-height: 1.6; }
.disclaimer { font-size: .78rem; }
@media (max-width: 768px) {
  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { text-align: center; }
}

/* ── Reveal Animation ── */
.reveal {
  opacity: 1;
  transform: none;
  transition: opacity .6s ease, transform .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);
  }
}