*,
*::before,
*::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --navy-950: #050d1a;
    --navy-900: #0a1628;
    --navy-800: #0f1f38;
    --navy-700: #162a4a;
    --navy-600: #1e3a5c;
    --gold-400: #e2c06e;
    --gold-500: #c9a84c;
    --gold-600: #b08d30;
    --gold-700: #967520;
    --cream-100: #f5f0e8;
    --cream-200: #e8dfd2;
    --white: #ffffff;
    --text-light: #e8e0d4;
    --text-muted: #a89e90;
    --text-dark: #1a1a1a;
    --font-display: 'Playfair Display', Georgia, serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    background: var(--navy-950);
    color: var(--text-light);
    line-height: 1.7;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

.skip-link {
    position: absolute;
    top: -100%;
    left: 1rem;
    background: var(--gold-500);
    color: var(--navy-950);
    padding: 0.5rem 1rem;
    z-index: 1000;
    border-radius: 0 0 4px 4px;
    font-weight: 600;
    text-decoration: none;
}

.skip-link:focus {
    top: 0;
}

.gold-grain {
    position: fixed;
    inset: 0;
    pointer-events: none;
    z-index: 9999;
    opacity: 0.025;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E");
    background-repeat: repeat;
    background-size: 128px 128px;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

/* ─── NAVIGATION ─── */
.nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 1rem 0;
    transition: var(--transition);
}

.nav.scrolled {
    background: rgba(5, 13, 26, 0.95);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    padding: 0.75rem 0;
    border-bottom: 1px solid rgba(201, 168, 76, 0.1);
}

.nav-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 0.625rem;
    text-decoration: none;
    color: var(--white);
}

.nav-logo-text {
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 700;
    letter-spacing: -0.01em;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.nav-link {
    color: var(--text-muted);
    text-decoration: none;
    font-size: 0.875rem;
    font-weight: 500;
    letter-spacing: 0.02em;
    text-transform: uppercase;
    transition: var(--transition);
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--gold-500);
    transition: var(--transition);
}

.nav-link:hover {
    color: var(--gold-400);
}

.nav-link:hover::after {
    width: 100%;
}

.nav-cta {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    background: transparent;
    border: 1px solid var(--gold-500);
    color: var(--gold-400);
    padding: 0.5rem 1rem;
    border-radius: 4px;
    text-decoration: none;
    font-size: 0.8125rem;
    font-weight: 600;
    letter-spacing: 0.02em;
    transition: var(--transition);
}

.nav-cta:hover {
    background: var(--gold-500);
    color: var(--navy-950);
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
    z-index: 1001;
}

.nav-toggle-bar {
    width: 24px;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: var(--transition);
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) {
    opacity: 0;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* ─── HERO ─── */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: var(--navy-950);
}

.hero-bg {
    position: absolute;
    inset: 0;
    background: url('https://images.pexels.com/photos/7956963/pexels-photo-7956963.jpeg?auto=compress&cs=tinysrgb&fit=crop&w=1920&h=1080') center center / cover no-repeat;
    opacity: 0.2;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        135deg,
        rgba(5, 13, 26, 0.97) 0%,
        rgba(10, 22, 40, 0.92) 40%,
        rgba(15, 31, 56, 0.85) 70%,
        rgba(22, 42, 74, 0.7) 100%
    );
}

.hero-inner {
    position: relative;
    z-index: 2;
    max-width: 1200px;
    margin: 0 auto;
    padding: 8rem 1.5rem 4rem;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: rgba(201, 168, 76, 0.1);
    border: 1px solid rgba(201, 168, 76, 0.3);
    padding: 0.4rem 1rem;
    border-radius: 100px;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gold-400);
    margin-bottom: 1.5rem;
}

.hero-badge-dot {
    width: 6px;
    height: 6px;
    background: var(--gold-500);
    border-radius: 50%;
    animation: pulse-dot 2s ease-in-out infinite;
}

@keyframes pulse-dot {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.3); }
}

.hero-headline {
    font-family: var(--font-display);
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 700;
    line-height: 1.1;
    color: var(--white);
    margin-bottom: 1.5rem;
    letter-spacing: -0.02em;
}

.gold-gradient {
    background: linear-gradient(135deg, var(--gold-400) 0%, var(--gold-500) 50%, var(--gold-600) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-sub {
    font-size: 1.125rem;
    line-height: 1.8;
    color: var(--text-muted);
    margin-bottom: 2.5rem;
    max-width: 520px;
}

.hero-actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    margin-bottom: 3.5rem;
}

.btn {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.875rem 1.75rem;
    border-radius: 4px;
    font-size: 0.9375rem;
    font-weight: 600;
    text-decoration: none;
    transition: var(--transition);
    cursor: pointer;
    border: none;
    font-family: var(--font-body);
    letter-spacing: 0.01em;
}

.btn-primary {
    background: linear-gradient(135deg, var(--gold-500) 0%, var(--gold-600) 100%);
    color: var(--navy-950);
    box-shadow: 0 4px 20px rgba(201, 168, 76, 0.3);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 30px rgba(201, 168, 76, 0.4);
}

.btn-ghost {
    background: transparent;
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.btn-ghost:hover {
    border-color: var(--gold-500);
    color: var(--gold-400);
}

.btn-ghost-light {
    background: rgba(255, 255, 255, 0.05);
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.15);
}

.btn-ghost-light:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--gold-500);
    color: var(--gold-400);
}

.btn-large {
    padding: 1rem 2rem;
    font-size: 1rem;
}

.btn-full {
    width: 100%;
    justify-content: center;
}

.hero-stats {
    display: flex;
    gap: 2rem;
    align-items: center;
}

.hero-stat {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.hero-stat-num {
    font-family: var(--font-display);
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--gold-400);
    line-height: 1;
}

.hero-stat-label {
    font-size: 0.75rem;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    font-weight: 500;
}

.hero-stat-divider {
    width: 1px;
    height: 40px;
    background: rgba(201, 168, 76, 0.2);
}

.hero-visual {
    position: relative;
}

.hero-img-wrap {
    position: relative;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 25px 60px rgba(0, 0, 0, 0.5);
}

.hero-img-wrap img {
    display: block;
    width: 100%;
    height: auto;
    aspect-ratio: 560/680;
    object-fit: cover;
}

.hero-img-accent {
    position: absolute;
    inset: 0;
    border: 1px solid rgba(201, 168, 76, 0.2);
    border-radius: 8px;
    pointer-events: none;
}

.hero-floating-card {
    position: absolute;
    bottom: -1.5rem;
    left: -2rem;
    background: var(--navy-800);
    border: 1px solid rgba(201, 168, 76, 0.2);
    border-radius: 8px;
    padding: 1rem 1.25rem;
    display: flex;
    align-items: center;
    gap: 0.875rem;
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.4);
    z-index: 3;
}

.hfc-icon {
    width: 40px;
    height: 40px;
    background: var(--gold-500);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.hfc-title {
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--white);
}

.hfc-sub {
    font-size: 0.75rem;
    color: var(--text-muted);
}

.hero-scroll {
    position: absolute;
    bottom: 2rem;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    color: var(--text-muted);
    font-size: 0.6875rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    z-index: 2;
}

.hero-scroll-line {
    width: 1px;
    height: 40px;
    background: linear-gradient(to bottom, var(--gold-500), transparent);
    animation: scroll-line 2s ease-in-out infinite;
}

@keyframes scroll-line {
    0% { transform: scaleY(0); transform-origin: top; }
    50% { transform: scaleY(1); transform-origin: top; }
    51% { transform: scaleY(1); transform-origin: bottom; }
    100% { transform: scaleY(0); transform-origin: bottom; }
}

/* ─── SECTION COMMON ─── */
section {
    padding: 6rem 0;
}

.section-label {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--gold-500);
    margin-bottom: 1rem;
}

.section-label::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--gold-500);
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 1rem;
    letter-spacing: -0.02em;
}

.section-sub {
    font-size: 1.0625rem;
    color: var(--text-muted);
    line-height: 1.8;
    max-width: 600px;
}

/* ─── SERVICES ─── */
.services {
    background: var(--navy-950);
    position: relative;
}

.services::before {
    content: '';
    position: absolute;
    top: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(201, 168, 76, 0.03) 0%, transparent 70%);
    pointer-events: none;
}

.services .container {
    text-align: center;
}

.services .section-sub {
    margin: 0 auto 3.5rem;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

.service-card {
    background: var(--navy-900);
    border: 1px solid rgba(201, 168, 76, 0.08);
    border-radius: 8px;
    padding: 2rem;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--gold-500), transparent);
    opacity: 0;
    transition: var(--transition);
}

.service-card:hover {
    border-color: rgba(201, 168, 76, 0.2);
    transform: translateY(-4px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
}

.service-card:hover::before {
    opacity: 1;
}

.service-icon {
    width: 48px;
    height: 48px;
    background: rgba(201, 168, 76, 0.1);
    border: 1px solid rgba(201, 168, 76, 0.15);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.25rem;
}

.service-title {
    font-family: var(--font-display);
    font-size: 1.1875rem;
    font-weight: 600;
    color: var(--white);
    margin-bottom: 0.75rem;
    line-height: 1.3;
}

.service-desc {
    font-size: 0.9375rem;
    color: var(--text-muted);
    line-height: 1.7;
}

/* ─── ABOUT ─── */
.about {
    background: var(--navy-900);
    position: relative;
}

.about-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.about-visual {
    position: relative;
}

.about-img-main {
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
}

.about-img-main img {
    display: block;
    width: 100%;
    height: auto;
    aspect-ratio: 520/420;
    object-fit: cover;
}

.about-img-secondary {
    position: absolute;
    bottom: -2rem;
    right: -2rem;
    border-radius: 8px;
    overflow: hidden;
    border: 3px solid var(--navy-900);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.4);
}

.about-img-secondary img {
    display: block;
    width: 100%;
    height: auto;
    aspect-ratio: 280/200;
    object-fit: cover;
}

.about-exp-badge {
    position: absolute;
    top: -1.5rem;
    right: 2rem;
    background: linear-gradient(135deg, var(--gold-500) 0%, var(--gold-600) 100%);
    border-radius: 8px;
    padding: 1rem 1.25rem;
    text-align: center;
    box-shadow: 0 10px 30px rgba(201, 168, 76, 0.3);
}

.about-exp-num {
    display: block;
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 700;
    color: var(--navy-950);
    line-height: 1;
}

.about-exp-label {
    display: block;
    font-size: 0.6875rem;
    font-weight: 700;
    color: var(--navy-950);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-top: 0.25rem;
}

.about-content .section-sub {
    margin-bottom: 2rem;
}

.about-text {
    font-size: 1rem;
    color: var(--text-muted);
    line-height: 1.8;
    margin-bottom: 1rem;
}

.about-values {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    margin-top: 2rem;
}

.about-value {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}

.about-value-icon {
    width: 36px;
    height: 36px;
    background: rgba(201, 168, 76, 0.1);
    border: 1px solid rgba(201, 168, 76, 0.15);
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.about-value strong {
    display: block;
    font-size: 0.9375rem;
    color: var(--white);
    margin-bottom: 0.125rem;
}

.about-value span {
    font-size: 0.875rem;
    color: var(--text-muted);
}

/* ─── APPROACH ─── */
.approach {
    background: var(--navy-950);
    position: relative;
}

.approach-inner {
    text-align: center;
    max-width: 900px;
    margin: 0 auto;
}

.approach-label {
    justify-content: center;
}

.approach-title {
    margin-bottom: 3.5rem;
}

.approach-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    text-align: left;
}

.approach-step {
    position: relative;
    padding: 2rem 1.5rem;
    background: var(--navy-900);
    border: 1px solid rgba(201, 168, 76, 0.08);
    border-radius: 8px;
    transition: var(--transition);
}

.approach-step:hover {
    border-color: rgba(201, 168, 76, 0.2);
}

.approach-step-num {
    font-family: var(--font-display);
    font-size: 2.5rem;
    font-weight: 700;
    color: rgba(201, 168, 76, 0.15);
    line-height: 1;
    margin-bottom: 1rem;
}

.approach-step-title {
    font-family: var(--font-display);
    font-size: 1.0625rem;
    font-weight: 600;
    color: var(--white);
    margin-bottom: 0.5rem;
    line-height: 1.3;
}

.approach-step-desc {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.7;
}

/* ─── INSURANCE ─── */
.insurance {
    background: var(--navy-900);
}

.insurance-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.insurance-text {
    font-size: 1rem;
    color: var(--text-muted);
    line-height: 1.8;
    margin-bottom: 1.5rem;
}

.insurance-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.875rem;
}

.insurance-list li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-size: 0.9375rem;
    color: var(--text-light);
}

.insurance-visual {
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
}

.insurance-visual img {
    display: block;
    width: 100%;
    height: auto;
    aspect-ratio: 480/380;
    object-fit: cover;
}

/* ─── TESTIMONIALS ─── */
.testimonials {
    background: var(--navy-950);
    position: relative;
}

.testimonials .container {
    text-align: center;
}

.testimonials .section-sub {
    margin: 0 auto 3.5rem;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

.testimonial-card {
    background: var(--navy-900);
    border: 1px solid rgba(201, 168, 76, 0.08);
    border-radius: 8px;
    padding: 2rem;
    text-align: left;
    transition: var(--transition);
}

.testimonial-card:hover {
    border-color: rgba(201, 168, 76, 0.2);
    transform: translateY(-2px);
}

.testimonial-quote-mark {
    font-family: var(--font-display);
    font-size: 4rem;
    color: var(--gold-500);
    line-height: 1;
    opacity: 0.3;
    margin-bottom: -0.5rem;
}

.testimonial-text {
    font-size: 0.9375rem;
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 1.5rem;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 0.875rem;
}

.testimonial-author-avatar {
    width: 40px;
    height: 40px;
    background: rgba(201, 168, 76, 0.15);
    border: 1px solid rgba(201, 168, 76, 0.3);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--gold-400);
}

.testimonial-author-name {
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--white);
}

.testimonial-author-detail {
    font-size: 0.75rem;
    color: var(--text-muted);
}

/* ─── CTA ─── */
.cta {
    position: relative;
    padding: 6rem 0;
    overflow: hidden;
    background: var(--navy-900);
}

.cta-bg {
    position: absolute;
    inset: 0;
    background: url('https://images.pexels.com/photos/7230183/pexels-photo-7230183.jpeg?auto=compress&cs=tinysrgb&fit=crop&w=1920&h=600') center center / cover no-repeat;
    opacity: 0.1;
}

.cta::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(5, 13, 26, 0.95) 0%, rgba(10, 22, 40, 0.9) 50%, rgba(5, 13, 26, 0.95) 100%);
}

.cta .container {
    position: relative;
    z-index: 2;
    text-align: center;
}

.cta-label {
    justify-content: center;
}

.cta-title {
    margin-bottom: 1rem;
}

.cta-text {
    font-size: 1.0625rem;
    color: var(--text-muted);
    line-height: 1.8;
    max-width: 560px;
    margin: 0 auto 2.5rem;
}

.cta-actions {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
}

/* ─── CONTACT ─── */
.contact {
    background: var(--navy-950);
}

.contact-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
}

.contact-text {
    font-size: 1rem;
    color: var(--text-muted);
    line-height: 1.8;
    margin-bottom: 2rem;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.contact-detail {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}

.contact-detail-icon {
    width: 40px;
    height: 40px;
    background: rgba(201, 168, 76, 0.1);
    border: 1px solid rgba(201, 168, 76, 0.15);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.contact-detail strong {
    display: block;
    font-size: 0.8125rem;
    color: var(--gold-400);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    font-weight: 600;
    margin-bottom: 0.25rem;
}

.contact-detail span,
.contact-detail a {
    font-size: 0.9375rem;
    color: var(--text-light);
    text-decoration: none;
    line-height: 1.6;
}

.contact-detail a:hover {
    color: var(--gold-400);
}

.contact-form-wrap {
    background: var(--navy-900);
    border: 1px solid rgba(201, 168, 76, 0.1);
    border-radius: 8px;
    padding: 2.5rem;
}

.contact-form-title {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 1.5rem;
}

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

.form-group {
    margin-bottom: 1rem;
}

.form-group label {
    display: block;
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--text-light);
    margin-bottom: 0.375rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    background: var(--navy-950);
    border: 1px solid rgba(201, 168, 76, 0.15);
    border-radius: 4px;
    padding: 0.75rem 1rem;
    color: var(--white);
    font-size: 0.9375rem;
    font-family: var(--font-body);
    transition: var(--transition);
    outline: none;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--text-muted);
    opacity: 0.6;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--gold-500);
    box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.1);
}

.form-group select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23c9a84c' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1rem center;
    padding-right: 2.5rem;
}

.form-group select option {
    background: var(--navy-900);
    color: var(--text-light);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-success {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    background: rgba(201, 168, 76, 0.1);
    border: 1px solid rgba(201, 168, 76, 0.2);
    border-radius: 4px;
    padding: 1rem;
    margin-top: 1rem;
    font-size: 0.875rem;
    color: var(--gold-400);
}

/* ─── FOOTER ─── */
.footer {
    background: var(--navy-950);
    border-top: 1px solid rgba(201, 168, 76, 0.08);
    padding: 3rem 0 1.5rem;
}

.footer-inner {
    display: grid;
    grid-template-columns: 2fr 1fr 1.5fr;
    gap: 3rem;
    padding-bottom: 2.5rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 0.625rem;
    text-decoration: none;
    color: var(--white);
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 0.75rem;
}

.footer-tagline {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.7;
    max-width: 280px;
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 0.625rem;
}

.footer-links a {
    color: var(--text-muted);
    text-decoration: none;
    font-size: 0.875rem;
    transition: var(--transition);
}

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

.footer-contact {
    display: flex;
    flex-direction: column;
    gap: 0.625rem;
}

.footer-contact p {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.875rem;
    color: var(--text-muted);
}

.footer-contact a {
    color: var(--text-muted);
    text-decoration: none;
    transition: var(--transition);
}

.footer-contact a:hover {
    color: var(--gold-400);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 1.5rem;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.footer-bottom p {
    font-size: 0.8125rem;
    color: var(--text-muted);
    opacity: 0.6;
}

/* ─── REVEAL ANIMATIONS ─── */
@media (prefers-reduced-motion: no-preference) {
    .reveal {
        opacity: 0;
        transform: translateY(24px);
        transition: opacity 0.6s cubic-bezier(0.4, 0, 0.2, 1), transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
    }

    .reveal.revealed {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
    .hero-inner {
        grid-template-columns: 1fr;
        gap: 3rem;
        padding-top: 7rem;
    }

    .hero-visual {
        max-width: 480px;
    }

    .hero-floating-card {
        left: 0;
    }

    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .about-inner,
    .insurance-inner,
    .contact-inner {
        grid-template-columns: 1fr;
        gap: 3rem;
    }

    .about-img-secondary {
        right: 0;
    }

    .approach-steps {
        grid-template-columns: repeat(2, 1fr);
    }

    .testimonials-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

@media (max-width: 768px) {
    section {
        padding: 4rem 0;
    }

    .nav-toggle {
        display: flex;
    }

    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        background: var(--navy-900);
        flex-direction: column;
        align-items: flex-start;
        padding: 5rem 2rem 2rem;
        gap: 1.25rem;
        transition: var(--transition);
        border-left: 1px solid rgba(201, 168, 76, 0.1);
    }

    .nav-menu.open {
        right: 0;
    }

    .nav-cta {
        display: none;
    }

    .hero {
        min-height: auto;
        padding-bottom: 4rem;
    }

    .hero-inner {
        padding-top: 6rem;
    }

    .hero-stats {
        flex-wrap: wrap;
        gap: 1.5rem;
    }

    .hero-stat-divider {
        display: none;
    }

    .hero-floating-card {
        position: relative;
        bottom: auto;
        left: auto;
        margin-top: 1rem;
        display: inline-flex;
    }

    .services-grid,
    .testimonials-grid {
        grid-template-columns: 1fr;
    }

    .approach-steps {
        grid-template-columns: 1fr;
    }

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

    .footer-inner {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }

    .hero-scroll {
        display: none;
    }
}

@media (max-width: 480px) {
    .hero-actions {
        flex-direction: column;
    }

    .hero-actions .btn {
        width: 100%;
        justify-content: center;
    }

    .cta-actions {
        flex-direction: column;
        align-items: center;
    }

    .cta-actions .btn {
        width: 100%;
        max-width: 300px;
        justify-content: center;
    }

    .contact-form-wrap {
        padding: 1.5rem;
    }
}