/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:   #0f1e3d;
  --navy2:  #162447;
  --gold:   #c9a84c;
  --gold2:  #e6c36a;
  --silver: #8a9bb0;
  --light:  #f5f7fa;
  --white:  #ffffff;
  --text:   #1c2b3a;
  --muted:  #5a6a7a;
  --border: #dde3ea;
  --radius: 10px;
  --shadow: 0 4px 24px rgba(15,30,61,.10);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Segoe UI', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
}

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

.container {
  width: 90%;
  max-width: 1100px;
  margin: 0 auto;
}

/* === NAV === */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 3px solid var(--gold);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 5%;
  height: 68px;
}

.nav-logo {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: .5px;
  display: flex;
  align-items: center;
  gap: .55rem;
}
.logo-icon {
  width: 34px;
  height: 34px;
  flex-shrink: 0;
  color: var(--white);
}
.nav-logo span { color: var(--gold); }

.nav-links {
  display: flex;
  gap: 2rem;
  list-style: none;
}
.nav-links a {
  color: rgba(255,255,255,.82);
  font-size: .9rem;
  font-weight: 500;
  transition: color .2s;
}
.nav-links a:hover,
.nav-links a.active { color: var(--gold); }

.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: .45rem 1.1rem;
  border-radius: 6px;
  font-weight: 700 !important;
  font-size: .85rem !important;
  transition: background .2s !important;
}
.nav-cta:hover { background: var(--gold2) !important; color: var(--navy) !important; }

/* hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all .3s;
}

/* === HERO === */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 60%, #1e3a5f 100%);
  color: var(--white);
  padding: 100px 5% 90px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-tag {
  display: inline-block;
  background: rgba(201,168,76,.18);
  color: var(--gold2);
  border: 1px solid rgba(201,168,76,.35);
  border-radius: 20px;
  padding: .35rem 1rem;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 1.4rem;
}

.hero h1 {
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 1.2rem;
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
}
.hero h1 em { color: var(--gold); font-style: normal; }

.hero p {
  font-size: 1.1rem;
  color: rgba(255,255,255,.78);
  max-width: 580px;
  margin: 0 auto 2.2rem;
}

.btn-row {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

.btn {
  display: inline-block;
  padding: .78rem 1.9rem;
  border-radius: 7px;
  font-weight: 700;
  font-size: .95rem;
  cursor: pointer;
  transition: all .2s;
  border: none;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: var(--gold2); transform: translateY(-1px); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.5);
}
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,.08); }

/* === TRUST BAR === */
.trust-bar {
  background: var(--gold);
  padding: 1.1rem 5%;
}
.trust-bar-inner {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: .5rem;
  color: var(--navy);
  font-weight: 700;
  font-size: .88rem;
}
.trust-icon { font-size: 1.1rem; }

/* === SECTION DEFAULTS === */
section { padding: 80px 5%; }

.section-label {
  display: inline-block;
  color: var(--gold);
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: .6rem;
}

.section-title {
  font-size: clamp(1.6rem, 3.5vw, 2.4rem);
  font-weight: 800;
  line-height: 1.25;
  color: var(--navy);
  margin-bottom: 1rem;
}

.section-sub {
  color: var(--muted);
  font-size: 1.05rem;
  max-width: 560px;
}

/* === CARDS === */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow);
  transition: transform .2s, box-shadow .2s;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 8px 32px rgba(15,30,61,.14); }

.card-icon {
  font-size: 2rem;
  margin-bottom: 1rem;
}

.card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: .6rem;
}
.card p { color: var(--muted); font-size: .95rem; }

/* === SPLIT SECTION === */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.split.reverse { direction: rtl; }
.split.reverse > * { direction: ltr; }

/* === CTA BAND === */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 100%);
  color: var(--white);
  text-align: center;
  padding: 80px 5%;
}
.cta-band h2 {
  font-size: clamp(1.7rem, 3.5vw, 2.3rem);
  font-weight: 800;
  margin-bottom: 1rem;
}
.cta-band p {
  color: rgba(255,255,255,.75);
  max-width: 520px;
  margin: 0 auto 2rem;
  font-size: 1.05rem;
}

/* === FAQ === */
.faq-list { max-width: 760px; margin: 2.5rem auto 0; }

details {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: .9rem;
  overflow: hidden;
}
details summary {
  padding: 1.2rem 1.5rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1rem;
}
details summary::-webkit-details-marker { display: none; }
details summary::after {
  content: '+';
  font-size: 1.4rem;
  color: var(--gold);
  transition: transform .25s;
}
details[open] summary::after { transform: rotate(45deg); }
details[open] { background: var(--light); }
.faq-body { padding: 0 1.5rem 1.3rem; color: var(--muted); font-size: .97rem; }

/* === FORM === */
.form-section {
  background: var(--light);
}
.form-card {
  background: var(--white);
  border-radius: 14px;
  box-shadow: var(--shadow);
  padding: 2.8rem;
  max-width: 700px;
  margin: 0 auto;
}
.form-card h2 {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: .4rem;
}
.form-card .sub { color: var(--muted); margin-bottom: 2rem; font-size: .97rem; }

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

.field {
  display: flex;
  flex-direction: column;
  gap: .4rem;
  margin-bottom: 1.2rem;
}
.field.full { grid-column: 1 / -1; }

label {
  font-weight: 600;
  font-size: .88rem;
  color: var(--text);
}
label .req { color: var(--gold); }

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="date"],
textarea,
select {
  padding: .7rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: 7px;
  font-size: .95rem;
  font-family: inherit;
  color: var(--text);
  background: var(--white);
  transition: border-color .2s;
  width: 100%;
}
input:focus, textarea:focus, select:focus {
  outline: none;
  border-color: var(--gold);
}
textarea { min-height: 120px; resize: vertical; }

.checkbox-group {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: .6rem;
  margin-top: .3rem;
}
.checkbox-item {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .9rem;
}
.checkbox-item input { width: auto; }

.consent-box {
  background: var(--light);
  border-radius: 7px;
  padding: 1rem 1.2rem;
  font-size: .85rem;
  color: var(--muted);
  display: flex;
  align-items: flex-start;
  gap: .7rem;
  margin-bottom: 1rem;
}
.consent-box input { margin-top: 3px; flex-shrink: 0; }

.btn-submit {
  width: 100%;
  padding: .95rem;
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: 8px;
  font-size: 1.05rem;
  font-weight: 800;
  cursor: pointer;
  transition: background .2s, transform .15s;
  margin-top: .5rem;
}
.btn-submit:hover { background: var(--gold2); transform: translateY(-1px); }

/* === PAGE HEADER === */
.page-header {
  background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 100%);
  color: var(--white);
  padding: 70px 5% 60px;
  text-align: center;
}
.page-header h1 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  margin-bottom: .8rem;
}
.page-header p {
  color: rgba(255,255,255,.75);
  font-size: 1.05rem;
  max-width: 540px;
  margin: 0 auto;
}

/* === PROSE (legal pages) === */
.prose {
  max-width: 780px;
  margin: 0 auto;
}
.prose h2 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin: 2rem 0 .6rem;
}
.prose p, .prose li {
  color: var(--muted);
  font-size: .97rem;
  margin-bottom: .7rem;
}
.prose ul { padding-left: 1.4rem; }
.prose a { color: var(--gold); text-decoration: underline; }

/* === FOOTER === */
footer {
  background: var(--navy);
  color: rgba(255,255,255,.65);
  padding: 50px 5% 30px;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2.5rem;
}
.footer-brand .nav-logo { font-size: 1.05rem; margin-bottom: .7rem; display: block; }
.footer-brand p { font-size: .88rem; line-height: 1.6; }

.footer-col h4 {
  color: var(--white);
  font-size: .9rem;
  font-weight: 700;
  margin-bottom: .9rem;
  text-transform: uppercase;
  letter-spacing: .8px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: .5rem; }
.footer-col a { font-size: .88rem; transition: color .2s; }
.footer-col a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 1.4rem;
  text-align: center;
  font-size: .82rem;
}

/* === RESPONSIVE === */
@media (max-width: 768px) {
  .nav-links { display: none; flex-direction: column; gap: 0; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy); padding: 1rem 0; border-top: 1px solid rgba(255,255,255,.1); }
  .nav-links.open { display: flex; }
  .nav-links li a { display: block; padding: .75rem 5%; }
  .hamburger { display: flex; }

  .split { grid-template-columns: 1fr; gap: 2rem; }
  .split.reverse { direction: ltr; }

  .form-row { grid-template-columns: 1fr; }
  .form-card { padding: 1.8rem; }

  .footer-inner { grid-template-columns: 1fr; gap: 1.8rem; }

  .trust-bar-inner { gap: 1.2rem; }
}

/* === NAV PHONE === */
.nav-phone {
  color: var(--gold) !important;
  font-weight: 700 !important;
  font-size: .83rem !important;
  white-space: nowrap;
  padding: .38rem .85rem !important;
  border: 1px solid rgba(201,168,76,.4);
  border-radius: 6px;
  transition: background .2s !important;
}
.nav-phone:hover { background: rgba(201,168,76,.1) !important; color: var(--gold2) !important; }

/* === MOBILE CALL BAR === */
.call-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--gold);
  z-index: 200;
  padding: .9rem 1rem;
}
.call-bar a {
  color: var(--navy);
  font-weight: 800;
  font-size: .98rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
}
@media (max-width: 768px) {
  .call-bar { display: block; }
  body { padding-bottom: 58px; }
  .nav-phone { display: none !important; }
}

/* === SITUATIONS === */
.situations-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(210px, 1fr));
  gap: 1rem;
  margin-top: 2rem;
}
.situation-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 1.1rem 1.3rem;
  display: flex;
  align-items: center;
  gap: .85rem;
  transition: border-color .2s, transform .2s;
}
.situation-card:hover { border-color: var(--gold); transform: translateY(-2px); }
.situation-icon { font-size: 1.4rem; flex-shrink: 0; }
.situation-card span { font-weight: 600; color: var(--navy); font-size: .93rem; }

/* === COMPARISON TABLE === */
.comparison-wrapper { overflow-x: auto; margin-top: 2.5rem; border-radius: 12px; box-shadow: var(--shadow); }
.comparison-table { width: 100%; border-collapse: collapse; background: var(--white); min-width: 480px; }
.comparison-table th { padding: 1.1rem 1.5rem; font-size: .9rem; font-weight: 800; text-align: center; }
.comparison-table th:first-child { text-align: left; width: 40%; color: var(--muted); font-weight: 600; }
.th-us { background: var(--navy); color: var(--white) !important; }
.th-agent { background: #f0f2f5; color: var(--muted) !important; }
.comparison-table td { padding: .88rem 1.5rem; border-top: 1px solid var(--border); text-align: center; font-size: .92rem; color: var(--muted); }
.comparison-table td:first-child { text-align: left; font-weight: 600; color: var(--text); }
.td-us { background: rgba(15,30,61,.025); }
.comparison-table tr:hover td { background: var(--light); }
.comparison-table tr:hover .td-us { background: rgba(15,30,61,.04); }
.yes { color: #16a34a; font-weight: 800; }
.no  { color: #dc2626; font-weight: 700; }

/* === ABOUT PAGE === */
.about-bio { display: grid; grid-template-columns: 260px 1fr; gap: 3.5rem; align-items: start; }
.about-photo {
  width: 100%;
  aspect-ratio: 3/4;
  background: linear-gradient(135deg, var(--light) 0%, #e2e8f0 100%);
  border-radius: 14px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: .6rem;
  border: 2px solid var(--border);
  color: var(--silver);
  font-size: .82rem;
  text-align: center;
  padding: 1rem;
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; border-radius: 14px; display: block; }
.location-pill {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  background: var(--gold);
  color: var(--navy);
  font-size: .78rem;
  font-weight: 700;
  padding: .28rem .75rem;
  border-radius: 20px;
  margin-top: .8rem;
}
.quote-block {
  border-left: 4px solid var(--gold);
  padding: 1.1rem 1.5rem;
  background: var(--light);
  border-radius: 0 8px 8px 0;
  margin: 1.5rem 0;
  font-style: italic;
  color: var(--text);
  font-size: 1rem;
  line-height: 1.7;
}
@media (max-width: 768px) { .about-bio { grid-template-columns: 1fr; } }

/* === CITIES GRID === */
.cities-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(170px, 1fr)); gap: .75rem; margin-top: 2rem; }
.city-tag {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: .7rem 1rem;
  display: flex;
  align-items: center;
  gap: .45rem;
  font-weight: 600;
  font-size: .88rem;
  color: var(--navy);
  transition: border-color .2s, background .2s;
}
.city-tag::before { content: '📍'; font-size: .8rem; }
.city-tag:hover { border-color: var(--gold); background: #fffdf5; }