/* ============================================================
   Best Insurance Guides — Design System
   Palette: Deep Navy / Warm Gold / Cream
   Type: Fraunces (display) + Inter (UI)
   ============================================================ */

:root {
  --navy-950: #060d18;
  --navy-900: #0a1524;
  --navy-800: #0d1c30;
  --navy-700: #12263f;
  --navy-600: #1b3454;
  --gold: #c9a45b;
  --gold-2: #e7cd95;
  --gold-deep: #a9853e;
  --cream: #f7f4ee;
  --paper: #ffffff;
  --ink: #101e31;
  --muted: #5a6b81;
  --muted-light: #93a4b8;
  --line: rgba(16, 30, 49, 0.12);
  --line-light: rgba(255, 255, 255, 0.14);
  --radius: 18px;
  --radius-sm: 10px;
  --shadow-lg: 0 30px 60px -20px rgba(10, 21, 36, 0.28);
  --shadow-md: 0 16px 40px -18px rgba(10, 21, 36, 0.22);
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --header-h: 84px;
  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font: inherit; cursor: pointer; background: none; border: 0; color: inherit; }
address { font-style: normal; }
svg { flex-shrink: 0; }

::selection { background: var(--gold); color: var(--navy-900); }

::-webkit-scrollbar { width: 11px; }
::-webkit-scrollbar-track { background: var(--cream); }
::-webkit-scrollbar-thumb { background: var(--navy-600); border-radius: 6px; border: 2px solid var(--cream); }
::-webkit-scrollbar-thumb:hover { background: var(--gold-deep); }

/* Subtle film grain for depth */
body::after {
  content: "";
  position: fixed;
  inset: -50%;
  pointer-events: none;
  z-index: 9990;
  opacity: 0.032;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='240' height='240'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='240' height='240' filter='url(%23n)'/%3E%3C/svg%3E");
}

.container { width: min(1180px, 92%); margin-inline: auto; }

/* ---------- Typography ---------- */
h1, h2, h3 { font-family: var(--font-display); font-weight: 600; line-height: 1.12; letter-spacing: -0.01em; }

h1 em, h2 em, h3 em {
  font-style: italic;
  font-weight: 500;
  color: var(--gold-deep);
}

h2 { font-size: clamp(2rem, 4.2vw, 3.3rem); color: var(--navy-900); }
h2.light { color: #fff; }
h2.light em, .process h2 em { color: var(--gold-2); }

p { color: var(--muted); }
.lead { font-size: 1.14rem; color: var(--ink); font-weight: 500; }

.text-link { color: var(--gold-deep); font-weight: 600; border-bottom: 1px solid rgba(169, 133, 62, 0.4); transition: color 0.25s, border-color 0.25s; }
.text-link:hover { color: var(--navy-900); border-color: var(--navy-900); }

.eyebrow {
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold-2);
}

.sec-label {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 22px;
}
.sec-label span {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1rem;
  color: var(--gold);
}
.sec-label::after { content: ""; width: 54px; height: 1px; background: var(--gold); opacity: 0.6; }
.sec-label.light { color: var(--gold-2); }

.sec-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 40px; margin-bottom: 64px; flex-wrap: wrap; }
.sec-head.center { flex-direction: column; align-items: center; text-align: center; margin-bottom: 56px; }
.sec-head.center .sec-label { justify-content: center; }
.sec-head.center .sec-label::after { display: none; }
.sec-head-note { max-width: 380px; font-size: 0.98rem; }

/* ---------- Buttons ---------- */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 15px 30px;
  border-radius: 60px;
  overflow: hidden;
  transition: transform 0.35s var(--ease-out), box-shadow 0.35s, background 0.35s, color 0.35s, border-color 0.35s;
  will-change: transform;
}
.btn svg { width: 17px; height: 17px; fill: currentColor; }
.btn:active { transform: scale(0.97); }

.btn-gold { background: linear-gradient(135deg, var(--gold-2), var(--gold) 55%, var(--gold-deep)); color: var(--navy-900); box-shadow: 0 12px 28px -10px rgba(169, 133, 62, 0.55); }
.btn-gold::before {
  content: "";
  position: absolute;
  top: 0; left: -80%;
  width: 50%; height: 100%;
  background: linear-gradient(105deg, transparent, rgba(255, 255, 255, 0.55), transparent);
  transform: skewX(-20deg);
  transition: left 0.6s var(--ease-out);
}
.btn-gold:hover { transform: translateY(-3px); box-shadow: 0 18px 36px -10px rgba(169, 133, 62, 0.65); }
.btn-gold:hover::before { left: 130%; }

.btn-ghost-light { border: 1px solid rgba(255, 255, 255, 0.45); color: #fff; background: rgba(255, 255, 255, 0.04); backdrop-filter: blur(4px); }
.btn-ghost-light:hover { background: rgba(255, 255, 255, 0.14); border-color: rgba(255, 255, 255, 0.8); transform: translateY(-3px); }

.btn-ink { background: var(--navy-900); color: #fff; box-shadow: 0 14px 30px -12px rgba(10, 21, 36, 0.5); }
.btn-ink:hover { background: var(--navy-600); transform: translateY(-3px); }

.btn-lg { padding: 18px 38px; font-size: 1rem; }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 1000;
  transition: background 0.4s, box-shadow 0.4s, backdrop-filter 0.4s;
}
.site-header .header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: var(--header-h); }

.site-header.scrolled {
  background: rgba(8, 15, 27, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  box-shadow: 0 6px 30px rgba(0, 0, 0, 0.35);
}
.site-header.scrolled .header-inner { height: 70px; }

.brand { display: inline-flex; align-items: center; gap: 13px; }
.brand-mark { width: 42px; height: 42px; filter: drop-shadow(0 3px 8px rgba(0, 0, 0, 0.35)); transition: transform 0.4s var(--ease-out); }
.brand:hover .brand-mark { transform: rotate(-6deg) scale(1.05); }

.brand-text {
  display: flex;
  flex-direction: column;
  font-family: var(--font-display);
  font-size: 1.12rem;
  font-weight: 600;
  line-height: 1.15;
  color: #fff;
  letter-spacing: 0.01em;
}
.brand-text em { color: var(--gold-2); }
.brand-text small {
  font-family: var(--font-body);
  font-size: 0.58rem;
  font-weight: 600;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--muted-light);
  margin-top: 3px;
}
.brand-text.light { color: #fff; }

.main-nav { display: flex; gap: 34px; }
.main-nav a {
  position: relative;
  font-size: 0.92rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.82);
  padding: 6px 0;
  transition: color 0.3s;
}
.main-nav a::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 100%; height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 0.4s var(--ease-out);
}
.main-nav a:hover { color: #fff; }
.main-nav a:hover::after { transform: scaleX(1); transform-origin: left; }

.header-actions { display: flex; align-items: center; gap: 16px; }
.btn-call { padding: 12px 24px; font-size: 0.9rem; }

.hamburger { display: none; flex-direction: column; gap: 5px; padding: 10px; z-index: 1101; }
.hamburger span { width: 24px; height: 2px; background: #fff; border-radius: 2px; transition: transform 0.35s var(--ease-out), opacity 0.3s; }
body.nav-open .hamburger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.nav-open .hamburger span:nth-child(2) { opacity: 0; }
body.nav-open .hamburger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.mobile-menu {
  position: fixed;
  inset: 0;
  z-index: 1100;
  background: linear-gradient(160deg, var(--navy-900), var(--navy-950));
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 46px;
  padding: 100px 8% 60px;
  clip-path: circle(0% at calc(100% - 46px) 42px);
  transition: clip-path 0.65s var(--ease-out);
  visibility: hidden;
}
body.nav-open .mobile-menu { clip-path: circle(150% at calc(100% - 46px) 42px); visibility: visible; }

.mobile-nav { display: flex; flex-direction: column; gap: 8px; }
.mobile-nav a {
  font-family: var(--font-display);
  font-size: clamp(2rem, 7.5vw, 2.9rem);
  font-weight: 600;
  color: #fff;
  padding: 8px 0;
  border-bottom: 1px solid var(--line-light);
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.5s, transform 0.5s var(--ease-out), color 0.3s, padding-left 0.3s;
}
body.nav-open .mobile-nav a { opacity: 1; transform: none; }
body.nav-open .mobile-nav a:nth-child(1) { transition-delay: 0.15s; }
body.nav-open .mobile-nav a:nth-child(2) { transition-delay: 0.22s; }
body.nav-open .mobile-nav a:nth-child(3) { transition-delay: 0.29s; }
body.nav-open .mobile-nav a:nth-child(4) { transition-delay: 0.36s; }
body.nav-open .mobile-nav a:nth-child(5) { transition-delay: 0.43s; }
.mobile-nav a:hover { color: var(--gold-2); padding-left: 10px; }

.mobile-menu-foot p { font-size: 0.82rem; color: var(--muted-light); margin-top: 14px; }
.mm-phone { font-family: var(--font-display); font-size: 1.5rem; font-weight: 600; color: var(--gold-2); }
.mm-mail { display: block; color: rgba(255, 255, 255, 0.75); font-size: 0.95rem; margin-top: 8px; }

body.nav-open { overflow: hidden; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: center;
  background: var(--navy-900);
  overflow: hidden;
}
.hero-media { position: absolute; inset: 0; will-change: transform; }
.hero-media img {
  width: 100%;
  height: 112%;
  object-fit: cover;
  object-position: center 30%;
  animation: heroDrift 22s ease-in-out infinite alternate;
}
@keyframes heroDrift {
  from { transform: scale(1.02) translateY(-1%); }
  to   { transform: scale(1.1) translateY(2%); }
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(8, 15, 27, 0.96) 0%, rgba(8, 15, 27, 0.82) 32%, rgba(9, 16, 30, 0.42) 62%, rgba(8, 15, 27, 0.55) 100%),
    linear-gradient(0deg, rgba(6, 13, 24, 0.95) 0%, transparent 34%);
}

.hero-content { position: relative; z-index: 2; padding: calc(var(--header-h) + 40px) 0 120px; max-width: 1180px; }

.hero-title {
  font-size: clamp(2.7rem, 6.2vw, 4.9rem);
  color: #fff;
  margin: 26px 0 24px;
  max-width: 14ch;
}
.hero-title em { color: var(--gold-2); font-weight: 500; }

.hero-sub { font-size: clamp(1.02rem, 1.6vw, 1.18rem); color: rgba(232, 238, 246, 0.86); max-width: 560px; font-weight: 400; }

.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin: 40px 0 34px; }

.hero-chips { display: flex; gap: 26px; flex-wrap: wrap; }
.hero-chips li {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 0.88rem;
  font-weight: 500;
  color: rgba(232, 238, 246, 0.8);
}
.hero-chips svg { width: 17px; height: 17px; fill: var(--gold); background: rgba(201, 164, 91, 0.14); border-radius: 50%; padding: 2px; }

.hero-scroll {
  position: absolute;
  bottom: 34px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  font-size: 0.66rem;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
}
.hero-scroll span { width: 1px; height: 44px; background: linear-gradient(var(--gold), transparent); animation: scrollPulse 2.2s ease-in-out infinite; }
@keyframes scrollPulse {
  0%, 100% { transform: scaleY(1); opacity: 1; }
  50% { transform: scaleY(0.55); opacity: 0.5; }
}

/* ---------- Marquee ---------- */
.marquee {
  position: relative;
  z-index: 3;
  background: linear-gradient(90deg, var(--gold-deep), var(--gold) 30%, var(--gold-2) 50%, var(--gold) 70%, var(--gold-deep));
  overflow: hidden;
  padding: 17px 0;
}
.marquee-track { display: flex; width: max-content; animation: marqueeMove 34s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-track span {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.94rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--navy-900);
  white-space: nowrap;
}
.marquee-track i { font-style: normal; margin: 0 18px; font-size: 0.75rem; vertical-align: 2px; opacity: 0.75; }
@keyframes marqueeMove { to { transform: translateX(-50%); } }

/* ---------- Sections base ---------- */
.section { padding: 120px 0; }
section[id] { scroll-margin-top: 70px; }

/* ---------- About ---------- */
.about { background: var(--cream); }
.about-grid { display: grid; grid-template-columns: 1.02fr 1.1fr; gap: 84px; align-items: center; }

.about-media { position: relative; }
.about-media img { position: relative; z-index: 1; border-radius: var(--radius); box-shadow: var(--shadow-lg); aspect-ratio: 4 / 4.6; object-fit: cover; width: 100%; }
.about-frame {
  position: absolute;
  inset: 24px -24px -24px 24px;
  border: 1px solid var(--gold);
  border-radius: var(--radius);
  opacity: 0.7;
}
.about-badge {
  position: absolute;
  z-index: 2;
  left: -30px;
  bottom: 34px;
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--navy-900);
  color: #fff;
  border-radius: 14px;
  padding: 18px 24px;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(201, 164, 91, 0.35);
  max-width: 300px;
}
.about-badge svg { width: 34px; height: 34px; fill: var(--gold); }
.about-badge strong { display: block; font-size: 0.9rem; letter-spacing: 0.02em; }
.about-badge span { font-size: 0.76rem; color: var(--muted-light); }

.about-copy h2 { margin-bottom: 24px; max-width: 15ch; }
.about-copy .lead { margin-bottom: 16px; }
.about-copy > p:not(.sec-label):not(.lead) { margin-bottom: 22px; }

.check-list { display: flex; flex-direction: column; gap: 13px; margin: 26px 0 34px; }
.check-list li { position: relative; padding-left: 34px; font-weight: 500; font-size: 0.98rem; color: var(--ink); }
.check-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 3px;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--navy-900);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23C9A45B'%3E%3Cpath d='M9.5 16.2 5.8 12.5l-1.4 1.4 5.1 5.1 10-10-1.4-1.4z'/%3E%3C/svg%3E");
  background-size: 13px;
  background-position: center;
  background-repeat: no-repeat;
}

.about-contact { display: flex; gap: 18px; flex-wrap: wrap; }
.ac-item {
  display: flex;
  align-items: center;
  gap: 13px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 15px 20px;
  transition: transform 0.35s var(--ease-out), box-shadow 0.35s, border-color 0.35s;
}
.ac-item:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gold); }
.ac-item svg { width: 30px; height: 30px; fill: var(--gold-deep); background: rgba(201, 164, 91, 0.12); border-radius: 50%; padding: 6px; }
.ac-item span { display: flex; flex-direction: column; font-weight: 600; font-size: 0.96rem; color: var(--navy-900); line-height: 1.35; }
.ac-item small { font-size: 0.72rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.14em; color: var(--muted); }

/* ---------- Services ---------- */
.services { background: var(--paper); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }

.svc-card {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.45s var(--ease-out), box-shadow 0.45s, border-color 0.45s;
}
.svc-card:hover { transform: translateY(-9px); box-shadow: var(--shadow-lg); border-color: rgba(201, 164, 91, 0.55); }

.svc-media { overflow: hidden; aspect-ratio: 16 / 10.5; position: relative; }
.svc-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, rgba(10, 21, 36, 0.16), transparent 45%);
}
.svc-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.8s var(--ease-out); }
.svc-card:hover .svc-media img { transform: scale(1.07); }

.svc-body { padding: 28px 28px 30px; display: flex; flex-direction: column; gap: 12px; flex: 1; }
.svc-body h3 { font-size: 1.42rem; color: var(--navy-900); }
.svc-body > p { font-size: 0.94rem; }
.svc-body ul { margin-top: auto; padding-top: 14px; border-top: 1px dashed var(--line); display: flex; flex-direction: column; gap: 8px; }
.svc-body li { position: relative; padding-left: 22px; font-size: 0.86rem; font-weight: 500; color: var(--ink); }
.svc-body li::before { content: "—"; position: absolute; left: 0; color: var(--gold-deep); font-weight: 700; }

/* ---------- Process ---------- */
.process {
  background:
    radial-gradient(900px 500px at 85% -10%, rgba(201, 164, 91, 0.14), transparent 60%),
    radial-gradient(700px 500px at -10% 110%, rgba(27, 52, 84, 0.9), transparent 55%),
    var(--navy-900);
  position: relative;
}
.process h2 { margin-bottom: 18px; }
.process-sub { color: var(--muted-light); max-width: 560px; margin-bottom: 76px; }

.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 36px; position: relative; }
.steps::before {
  content: "";
  position: absolute;
  top: 34px; left: 3%; right: 3%;
  border-top: 1px dashed rgba(201, 164, 91, 0.4);
}
.step { position: relative; }
.step-num {
  display: inline-flex;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.25rem;
  color: var(--navy-900);
  background: linear-gradient(135deg, var(--gold-2), var(--gold));
  width: 68px; height: 68px;
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 1;
  box-shadow: 0 10px 24px -8px rgba(201, 164, 91, 0.5);
  transition: transform 0.4s var(--ease-out);
}
.step:hover .step-num { transform: translateY(-6px) scale(1.05); }
.step h3 { color: #fff; font-size: 1.3rem; margin: 24px 0 12px; }
.step p { color: var(--muted-light); font-size: 0.92rem; }

/* ---------- Disclosure ---------- */
.disclosure {
  background:
    radial-gradient(700px 400px at 15% 0%, rgba(201, 164, 91, 0.1), transparent 55%),
    var(--navy-950);
  padding: 100px 0;
}
.disclosure-box {
  position: relative;
  max-width: 940px;
  margin: 0 auto;
  text-align: center;
  background: linear-gradient(var(--navy-800), var(--navy-800)) padding-box,
              linear-gradient(120deg, rgba(231, 205, 149, 0.55), rgba(201, 164, 91, 0.1) 40%, rgba(201, 164, 91, 0.5)) border-box;
  border: 1px solid transparent;
  border-radius: 26px;
  padding: 60px 56px;
  box-shadow: 0 40px 80px -30px rgba(0, 0, 0, 0.6);
}
.disc-icon { width: 52px; height: 52px; fill: var(--gold); margin-bottom: 22px; }
.disclosure-box h2 { color: #fff; font-size: clamp(1.65rem, 3vw, 2.4rem); margin-bottom: 20px; }
.disclosure-box h2 em { color: var(--gold-2); }
.disclosure-box p { color: rgba(210, 221, 233, 0.85); max-width: 720px; margin: 0 auto; font-size: 1rem; }
.disclosure-box strong { color: var(--gold-2); font-weight: 600; }

.disc-chips { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; margin-top: 30px; }
.disc-chips li {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--gold-2);
  border: 1px solid rgba(201, 164, 91, 0.45);
  padding: 8px 18px;
  border-radius: 40px;
}

/* ---------- FAQ ---------- */
.faq { background: var(--cream); }
.faq-grid { display: grid; grid-template-columns: 0.9fr 1.35fr; gap: 90px; align-items: start; }
.faq-intro { position: sticky; top: 120px; }
.faq-intro h2 { margin-bottom: 20px; }

.faq-list { display: flex; flex-direction: column; }
.faq-item { border-bottom: 1px solid var(--line); transition: border-color 0.3s; }
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-item.open { border-color: rgba(201, 164, 91, 0.6); }

.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.18rem;
  font-weight: 600;
  color: var(--navy-900);
  padding: 26px 4px;
  transition: color 0.3s, padding-left 0.3s;
}
.faq-q:hover { color: var(--gold-deep); padding-left: 10px; }
.faq-q svg { width: 19px; height: 19px; stroke: var(--gold-deep); stroke-width: 2.2; stroke-linecap: round; fill: none; transition: transform 0.45s var(--ease-out); }
.faq-item.open .faq-q svg { transform: rotate(135deg); }

.faq-a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.5s var(--ease-out); }
.faq-item.open .faq-a { grid-template-rows: 1fr; }
.faq-a > div { overflow: hidden; }
.faq-a p { padding: 0 4px 28px; font-size: 0.95rem; max-width: 60ch; }

/* ---------- Contact ---------- */
.contact {
  background:
    radial-gradient(800px 400px at 100% 0%, rgba(201, 164, 91, 0.12), transparent 60%),
    var(--paper);
}
.contact-grid { display: grid; grid-template-columns: 0.85fr 1.25fr; gap: 60px; align-items: start; max-width: 1080px; margin: 0 auto; }

.contact-info { display: flex; flex-direction: column; gap: 20px; }
.ci-card {
  background: linear-gradient(150deg, var(--navy-700), var(--navy-900));
  border-radius: var(--radius);
  padding: 34px 32px;
  border: 1px solid rgba(201, 164, 91, 0.3);
  box-shadow: var(--shadow-md);
}
.ci-label { display: block; font-size: 0.76rem; font-weight: 700; letter-spacing: 0.24em; text-transform: uppercase; color: var(--gold-2); margin-bottom: 12px; }
.ci-phone {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3vw, 2.15rem);
  font-weight: 600;
  color: #fff;
  letter-spacing: 0.01em;
  transition: color 0.3s;
}
.ci-phone:hover { color: var(--gold-2); }
.ci-card p { color: var(--muted-light); font-size: 0.88rem; margin-top: 10px; }

.ci-row {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 19px 22px;
  transition: transform 0.35s var(--ease-out), border-color 0.35s;
}
.ci-row:hover { transform: translateX(6px); border-color: var(--gold); }
.ci-row svg { width: 38px; height: 38px; fill: var(--gold-deep); background: rgba(201, 164, 91, 0.13); border-radius: 50%; padding: 9px; }
.ci-row strong { display: block; font-size: 0.76rem; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--muted); margin-bottom: 3px; }
.ci-row a, .ci-row span { font-weight: 600; color: var(--navy-900); font-size: 0.97rem; }
.ci-row a:hover { color: var(--gold-deep); }

.ci-note { font-size: 0.85rem; padding-left: 4px; }

/* Form */
.form-card {
  position: relative;
  background: var(--paper);
  border-radius: 22px;
  padding: 46px 42px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(201, 164, 91, 0.35);
}
.form-card::before {
  content: "";
  position: absolute;
  top: 0; left: 42px; right: 42px;
  height: 4px;
  border-radius: 0 0 6px 6px;
  background: linear-gradient(90deg, var(--gold-deep), var(--gold-2));
}

.form-row.two { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.field { display: flex; flex-direction: column; margin-bottom: 20px; }
.field label { font-size: 0.82rem; font-weight: 600; letter-spacing: 0.04em; color: var(--navy-900); margin-bottom: 8px; }
.field label b { color: var(--gold-deep); }

.field input, .field select, .field textarea {
  font: inherit;
  font-size: 0.95rem;
  color: var(--ink);
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  width: 100%;
  transition: border-color 0.3s, box-shadow 0.3s, background 0.3s;
  appearance: none;
}
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%235A6B81'%3E%3Cpath d='M7 9.5 12 15l5-5.5z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 18px;
}
.field textarea { resize: vertical; min-height: 108px; }
.field input::placeholder, .field textarea::placeholder { color: #9aa8b8; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--paper);
  box-shadow: 0 0 0 4px rgba(201, 164, 91, 0.16);
}
.field input.invalid, .field textarea.invalid { border-color: #c0392b; box-shadow: 0 0 0 4px rgba(192, 57, 43, 0.12); }

.consent { display: flex; gap: 12px; align-items: flex-start; margin: 4px 0 20px; cursor: pointer; }
.consent input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--gold-deep); flex-shrink: 0; cursor: pointer; }
.consent span { font-size: 0.8rem; color: var(--muted); line-height: 1.55; }
.consent a { color: var(--gold-deep); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

.form-error { color: #c0392b; font-size: 0.86rem; font-weight: 500; margin-bottom: 14px; }

.btn-spinner {
  display: none;
  width: 18px; height: 18px;
  border: 2px solid rgba(255, 255, 255, 0.35);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
#submitBtn.loading .btn-spinner { display: inline-block; }
#submitBtn.loading .btn-label { opacity: 0.75; }
#submitBtn.loading { pointer-events: none; }

.form-fine { font-size: 0.76rem; color: var(--muted); text-align: center; margin-top: 16px; }

.form-success { text-align: center; padding: 40px 10px; }
.form-success svg { width: 62px; height: 62px; fill: var(--gold-deep); margin: 0 auto 20px; animation: popIn 0.6s var(--ease-out); }
.form-success h3 { font-size: 1.6rem; color: var(--navy-900); margin-bottom: 12px; }
.form-success p { font-size: 0.96rem; max-width: 40ch; margin: 0 auto; }
@keyframes popIn { from { transform: scale(0.5); opacity: 0; } }

/* ---------- Footer ---------- */
.site-footer {
  background:
    radial-gradient(800px 400px at 15% 0%, rgba(27, 52, 84, 0.5), transparent 60%),
    var(--navy-950);
  padding: 90px 0 40px;
  color: rgba(232, 238, 246, 0.75);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1.1fr 1.1fr;
  gap: 56px;
  padding-bottom: 60px;
  border-bottom: 1px solid var(--line-light);
}
.f-brand p { font-size: 0.94rem; color: var(--muted-light); max-width: 33ch; margin: 22px 0 28px; }
.f-brand .btn { font-size: 0.92rem; padding: 13px 26px; }

.f-col h4 {
  font-family: var(--font-body);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold-2);
  margin-bottom: 22px;
}
.f-col a { display: block; font-size: 0.93rem; padding: 6px 0; color: rgba(232, 238, 246, 0.72); transition: color 0.3s, padding-left 0.3s; }
.f-col a:hover { color: var(--gold-2); padding-left: 6px; }
.f-col address { font-size: 0.93rem; line-height: 1.7; color: rgba(232, 238, 246, 0.72); padding: 6px 0; }
.f-domain { color: var(--gold-2) !important; font-weight: 600; }

.footer-disclosure { padding: 34px 0; border-bottom: 1px solid var(--line-light); }
.footer-disclosure p { font-size: 0.78rem; line-height: 1.8; color: rgba(147, 164, 184, 0.85); }
.footer-disclosure strong { color: var(--gold-2); }

.footer-legal { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; padding-top: 30px; }
.footer-legal p { font-size: 0.83rem; color: var(--muted-light); }
.footer-legal nav { display: flex; gap: 8px; flex-wrap: wrap; }
.footer-legal nav a {
  font-size: 0.83rem;
  color: rgba(232, 238, 246, 0.75);
  padding: 4px 12px;
  border: 1px solid var(--line-light);
  border-radius: 30px;
  transition: color 0.3s, border-color 0.3s, background 0.3s;
}
.footer-legal nav a:hover { color: var(--navy-900); background: var(--gold); border-color: var(--gold); }

/* ---------- Sticky mobile call bar ---------- */
.callbar { display: none; }

/* ---------- Legal pages ---------- */
.page-head {
  background:
    radial-gradient(700px 380px at 85% 0%, rgba(201, 164, 91, 0.15), transparent 60%),
    linear-gradient(180deg, var(--navy-900), var(--navy-800));
  padding: calc(var(--header-h) + 84px) 0 84px;
  text-align: center;
}
.page-head .eyebrow { margin-bottom: 18px; display: inline-block; }
.page-head h1 { font-size: clamp(2.3rem, 5vw, 3.8rem); color: #fff; }
.page-head h1 em { color: var(--gold-2); font-weight: 500; }
.page-head p { color: var(--muted-light); margin-top: 16px; font-size: 0.95rem; }

.legal { background: var(--cream); padding: 90px 0 120px; }
.legal-inner { max-width: 780px; margin: 0 auto; }
.legal-inner h2 {
  font-size: 1.55rem;
  color: var(--navy-900);
  margin: 48px 0 14px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}
.legal-inner h2:first-of-type { border-top: 0; margin-top: 0; padding-top: 0; }
.legal-inner h2 span { color: var(--gold-deep); font-style: italic; margin-right: 8px; }
.legal-inner p { font-size: 0.96rem; margin-bottom: 14px; }
.legal-inner ul { margin: 6px 0 16px; display: flex; flex-direction: column; gap: 9px; }
.legal-inner li { position: relative; padding-left: 26px; font-size: 0.93rem; color: var(--muted); }
.legal-inner li::before { content: ""; position: absolute; left: 4px; top: 9px; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }
.legal-inner strong { color: var(--ink); }
.legal-inner a { color: var(--gold-deep); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

.legal-contact {
  margin-top: 56px;
  background: var(--navy-900);
  border-radius: var(--radius);
  padding: 36px 38px;
  border: 1px solid rgba(201, 164, 91, 0.35);
}
.legal-contact h2 { color: #fff !important; border: 0 !important; margin-top: 0 !important; padding-top: 0 !important; }
.legal-contact p { color: var(--muted-light); }
.legal-contact a { color: var(--gold-2); }

.back-home { display: inline-flex; align-items: center; gap: 8px; font-size: 0.85rem; font-weight: 600; color: var(--gold-deep); margin-bottom: 30px; transition: gap 0.3s; }
.back-home:hover { gap: 13px; }

/* ---------- Reveal animations ---------- */
.reveal, .reveal-l, .reveal-r, .reveal-scale, .reveal-img {
  opacity: 0;
  transition: opacity 0.9s var(--ease-out), transform 0.9s var(--ease-out), clip-path 1.1s var(--ease-out);
  will-change: opacity, transform;
}
.reveal { transform: translateY(42px); }
.reveal-l { transform: translateX(-52px); }
.reveal-r { transform: translateX(52px); }
.reveal-scale { transform: scale(0.93) translateY(24px); }
.reveal-img { transform: translateY(46px); clip-path: inset(12% 6% 12% 6% round 18px); }

.reveal.in, .reveal-l.in, .reveal-r.in, .reveal-scale.in, .reveal-img.in {
  opacity: 1;
  transform: none;
  clip-path: inset(0 0 0 0 round 0);
}

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); gap: 52px 36px; }
  .steps::before { display: none; }
  .about-grid { gap: 60px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 46px; }
}

@media (max-width: 900px) {
  :root { --header-h: 72px; }
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .btn-call span { display: none; }
  .btn-call { padding: 12px 14px; border-radius: 50%; }
  .btn-call svg { width: 20px; height: 20px; }

  .section { padding: 90px 0; }
  .sec-head { margin-bottom: 46px; }
  .sec-head-note { max-width: none; }

  .about-grid { grid-template-columns: 1fr; gap: 70px; }
  .about-media { max-width: 520px; }
  .about-badge { left: 12px; bottom: -22px; }
  .about-frame { inset: 16px -16px -16px 16px; }

  .faq-grid { grid-template-columns: 1fr; gap: 44px; }
  .faq-intro { position: static; }

  .contact-grid { grid-template-columns: 1fr; gap: 44px; }
  .form-card { padding: 36px 26px; }

  .disclosure-box { padding: 44px 26px; }
  .hero-content { padding-bottom: 100px; }
  .hero { min-height: 92svh; }
}

@media (max-width: 640px) {
  body { padding-bottom: calc(72px + env(safe-area-inset-bottom, 0px)); }
  .services-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; gap: 44px; }
  .form-row.two { grid-template-columns: 1fr; gap: 0; }
  .hero-cta .btn { width: 100%; }
  .hero-scroll { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 40px; padding-bottom: 44px; }
  .footer-legal { flex-direction: column-reverse; align-items: flex-start; }
  .brand-text { font-size: 1rem; }
  .brand-text small { letter-spacing: 0.16em; }

  /* Sticky call bar */
  .callbar {
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 1200;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 14px;
    background: linear-gradient(90deg, var(--gold-deep), var(--gold) 45%, var(--gold-2));
    color: var(--navy-900);
    padding: 14px 18px calc(14px + env(safe-area-inset-bottom, 0px));
    box-shadow: 0 -8px 30px rgba(10, 21, 36, 0.35);
  }
  .callbar-icon { position: relative; display: grid; place-items: center; }
  .callbar-icon svg { width: 30px; height: 30px; fill: var(--navy-900); background: rgba(255, 255, 255, 0.35); border-radius: 50%; padding: 6px; }
  .callbar-icon::after {
    content: "";
    position: absolute;
    inset: -5px;
    border: 2px solid var(--navy-900);
    border-radius: 50%;
    opacity: 0.55;
    animation: ringPulse 1.8s ease-out infinite;
  }
  @keyframes ringPulse {
    0% { transform: scale(0.8); opacity: 0.55; }
    70% { transform: scale(1.25); opacity: 0; }
    100% { opacity: 0; }
  }
  .callbar-text { display: flex; flex-direction: column; line-height: 1.15; }
  .callbar-text small { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; opacity: 0.8; }
  .callbar-text strong { font-family: var(--font-display); font-size: 1.42rem; font-weight: 600; letter-spacing: 0.01em; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.001s !important; animation-iteration-count: 1 !important; transition-duration: 0.001s !important; }
  html { scroll-behavior: auto; }
  .reveal, .reveal-l, .reveal-r, .reveal-scale, .reveal-img { opacity: 1; transform: none; clip-path: none; }
}