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

:root {
  --gold: #BB8B4F;
  --gold-hover: #d4a35a;
  --gold-light: #D9B64F;
  --gold-bright: #FADC64;
  --navy: #071E3F;
  --navy-light: #0C2D5A;
  --dark: #111111;
  --darker: #0a0a0a;
  --gray: #1a1a1a;
  --gray-light: #2a2a2a;
  --text: #ffffff;
  --text-muted: #999999;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: #ffffff;
  color: #1a1a1a;
  line-height: 1.6;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: 'Oswald', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

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

/* ── Navigation ── */
nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(0,0,0,0.08);
  transition: all 0.3s;
}

nav.scrolled {
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 2px 20px rgba(0,0,0,0.08);
}

.nav-inner {
  width: 100%;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}

.nav-logo { display: flex; align-items: center; gap: 10px; }
.nav-logo img { height: 45px; width: auto; border-radius: 50%; }
.nav-logo-text { display: flex; flex-direction: column; }
.nav-logo-name {
  font-family: 'Oswald', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  line-height: 1;
}
.nav-logo-name span { color: var(--gold); }
.nav-logo-sub {
  font-size: 9px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.2em;
  text-transform: uppercase;
  line-height: 1;
  margin-top: 2px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 0;
  list-style: none;
}

.nav-links > li { position: relative; }

.nav-links > li > a {
  color: #666666;
  text-decoration: none;
  font-family: 'Oswald', sans-serif;
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  transition: color 0.3s;
  padding: 24px 16px;
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-links > li > a:hover,
.nav-links > li > a.active { color: var(--navy); }

.dropdown-arrow {
  width: 10px;
  height: 10px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  transition: transform 0.3s;
}

.nav-links > li:hover .dropdown-arrow { transform: rotate(180deg); }

.dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 8px;
  padding: 8px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all 0.25s;
  backdrop-filter: blur(12px);
  box-shadow: 0 12px 40px rgba(0,0,0,0.12);
}

.nav-links > li:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown a {
  display: block;
  padding: 10px 20px;
  color: #666666;
  font-size: 14px;
  font-weight: 400;
  transition: all 0.2s;
}

.dropdown a:hover {
  color: var(--navy);
  background: rgba(187, 139, 79, 0.1);
  padding-left: 24px;
}

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  padding: 10px 24px !important;
  border-radius: 4px;
  font-weight: 600 !important;
  transition: background 0.3s, transform 0.2s !important;
  margin-left: 8px;
}

.nav-cta:hover {
  background: var(--gold-hover) !important;
  transform: translateY(-1px);
}

.nav-phone {
  color: #1a1a1a !important;
  font-weight: 600 !important;
}

.menu-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: #1a1a1a;
  margin: 5px 0;
  transition: all 0.3s;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  font-family: 'Oswald', sans-serif;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-decoration: none;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.3s;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
}

.btn-primary:hover {
  background: var(--gold-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(187, 139, 79, 0.3);
}

.btn-outline {
  background: transparent;
  color: #1a1a1a;
  border: 2px solid rgba(0,0,0,0.2);
}

.btn-outline:hover {
  border-color: #1a1a1a;
  transform: translateY(-2px);
}

.btn-sm { padding: 10px 20px; font-size: 13px; }

/* ── Stripe Bar ── */
.stripe-bar {
  display: flex;
  height: 6px;
  width: 100%;
}

.stripe-bar span:nth-child(1) { flex: 1; background: var(--gold); }
.stripe-bar span:nth-child(2) { flex: 1; background: linear-gradient(90deg, #c0c0c0, #e0e0e0, #c0c0c0); }
.stripe-bar span:nth-child(3) { flex: 1; background: var(--navy); }

/* ── Sections ── */
section { position: relative; padding: 100px 0; }
.section-dark { background: #f5f5f5; color: #1a1a1a; }
.section-darker { background: #ffffff; color: #1a1a1a; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-header {
  text-align: center;
  margin-bottom: 60px;
}

.section-header h2 {
  font-size: clamp(2rem, 4vw, 3rem);
  margin-bottom: 12px;
  color: #1a1a1a;
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.15;
}

.section-header h2 .accent { color: var(--gold); }

.section-header p {
  color: #666666;
  font-size: 1.05rem;
  max-width: 600px;
  margin: 0 auto;
}

.section-label {
  display: inline-block;
  font-family: 'Oswald', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

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

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('../images/hero-shop.png');
  background-size: cover;
  background-position: center 8%;
  z-index: 0;
}

.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(7, 30, 63, 0.88) 0%, rgba(7, 30, 63, 0.7) 50%, rgba(7, 30, 63, 0.85) 100%);
}


.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(to top, #ffffff 0%, transparent 100%);
  z-index: 2;
}

.hero-stripe {
  position: absolute;
  top: 0;
  right: 15%;
  width: 200px;
  height: 100%;
  overflow: hidden;
  opacity: 0.4;
  z-index: 2;
}

.hero-stripe::before {
  content: '';
  position: absolute;
  top: -20%;
  right: 0;
  width: 8px;
  height: 140%;
  background: var(--gold);
  transform: rotate(25deg);
}

.hero-stripe::after {
  content: '';
  position: absolute;
  top: -20%;
  right: 40px;
  width: 8px;
  height: 140%;
  background: rgba(255,255,255,0.15);
  transform: rotate(25deg);
}

.hero-grid {
  position: relative;
  z-index: 3;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 120px 24px 90px;
  display: grid;
  grid-template-columns: 1.35fr 0.85fr;
  gap: 48px;
  align-items: center;
}

.hero-content {
  position: relative;
  z-index: 3;
}

/* Hero estimate card */
.hero-side {
  background: #ffffff;
  border-radius: 16px;
  padding: 28px;
  box-shadow: 0 24px 64px rgba(0,0,0,0.35);
}
.hero-side .hs-tag {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(187,139,79,0.10);
  padding: 5px 10px;
  border-radius: 5px;
  margin-bottom: 16px;
}
.hero-side h3 {
  font-family: 'Oswald', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: #071E3F;
  letter-spacing: -0.2px;
  margin-bottom: 8px;
  line-height: 1.2;
  text-transform: uppercase;
}
.hero-side > p {
  font-size: 14px;
  color: #555;
  line-height: 1.55;
  margin-bottom: 18px;
}
.hs-path {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px;
  border: 1px solid #e5e9ef;
  border-radius: 10px;
  background: #fff;
  text-decoration: none;
  transition: border-color .2s, background .2s, transform .15s;
  margin-bottom: 10px;
}
.hs-path:hover {
  border-color: var(--gold);
  background: #faf7f2;
  transform: translateX(2px);
}
.hs-path-icon {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  background: rgba(187,139,79,0.10);
  border: 1px solid rgba(187,139,79,0.20);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  transition: background .2s, color .2s;
}
.hs-path-icon svg { width: 20px; height: 20px; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.hs-path:hover .hs-path-icon { background: var(--gold); color: #fff; }
.hs-path-text { flex: 1; min-width: 0; }
.hs-path-title { font-family: 'Oswald', sans-serif; font-size: 14px; font-weight: 600; color: #071E3F; line-height: 1.2; text-transform: uppercase; letter-spacing: 0.02em; }
.hs-path-sub { font-size: 12px; color: #666; margin-top: 2px; }
.hs-path-arrow { width: 18px; height: 18px; stroke: var(--gold); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
.hero-side hr { border: none; height: 1px; background: #eef1f5; margin: 18px 0 12px; }
.hs-row { display: flex; justify-content: space-between; font-size: 13px; padding: 7px 0; }
.hs-row span { color: #777; }
.hs-row strong { color: #071E3F; font-weight: 700; }

.hero-logo-img {
  width: 320px;
  max-width: 80vw;
  margin-bottom: 40px;
}

.hero h1 {
  font-size: clamp(2.5rem, 6vw, 4.5rem);
  font-weight: 700;
  line-height: 1.1;
  margin-bottom: 8px;
}

.hero h1 .accent {
  color: var(--gold);
  font-style: italic;
}

.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 40px;
  max-width: 500px;
  border-left: 3px solid var(--gold);
  padding-left: 16px;
}

.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.hero-actions .btn { padding: 14px 24px; font-size: 14.5px; }
.hero-actions .btn svg { width: 16px; height: 16px; }

.hero .btn-outline {
  color: #ffffff;
  border-color: rgba(255,255,255,0.3);
}

.hero .btn-outline:hover { border-color: #ffffff; }

/* ── Insurance Partners ── */
.insurance-partners {
  padding: 36px 0;
  background: #ffffff;
  border-bottom: 1px solid rgba(0,0,0,0.06);
  text-align: center;
}

.partners-label {
  font-family: 'Oswald', sans-serif;
  font-size: 0.8rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: #666666;
  margin-bottom: 24px;
}

.partners-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 20px 16px;
}

.partner-logo {
  font-family: 'Oswald', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  opacity: 0.7;
  transition: all 0.3s ease;
  white-space: nowrap;
}

.partner-logo:hover { opacity: 1; }

.partners-logos span + span::before {
  content: '\2022';
  margin-right: 16px;
  color: #cccccc;
  font-size: 0.6rem;
  vertical-align: middle;
}

/* ── Service Cards ── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}

.service-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border: 1px solid rgba(187,139,79,0.12);
  border-radius: 12px;
  padding: 40px 32px;
  transition: all 0.4s ease;
  position: relative;
  overflow: hidden;
  text-decoration: none;
  color: rgba(255,255,255,0.7);
  display: block;
}

.service-card h3 { color: #ffffff; }

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 60px;
  height: 3px;
  background: var(--gold);
  transition: width 0.4s ease;
}

.service-card:hover {
  transform: translateY(-6px);
  border-color: rgba(187, 139, 79, 0.3);
  box-shadow: 0 20px 50px rgba(0,0,0,0.3), 0 0 30px rgba(187, 139, 79, 0.08);
}

.service-card:hover::before { width: 100%; background: linear-gradient(90deg, var(--gold), var(--navy-light)); }

.service-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, rgba(187,139,79,0.1) 0%, rgba(187,139,79,0.05) 100%);
  border: 2px solid var(--gold);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  box-shadow: 0 4px 15px rgba(187, 139, 79, 0.15);
  transition: all 0.3s ease;
}

.service-card:hover .service-icon {
  background: linear-gradient(135deg, var(--gold) 0%, #a07840 100%);
  box-shadow: 0 6px 20px rgba(187, 139, 79, 0.3);
  transform: scale(1.08);
}

.service-card:hover .service-icon svg { stroke: var(--navy); }

.service-card h3 { font-size: 1.25rem; margin-bottom: 12px; }
.service-card p { color: rgba(255,255,255,0.6); font-size: 0.95rem; line-height: 1.7; }

/* ── Why / Stats ── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
}

.why-item { text-align: center; }

.why-number {
  font-family: 'Oswald', sans-serif;
  font-size: 3.5rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
}

.why-item h3 { font-size: 1.1rem; margin-bottom: 8px; color: #1a1a1a; }
.why-item p { color: #666666; font-size: 0.9rem; }

/* ── Related Services Grid ── */
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.related-card { background: #fff; border: 1px solid #e5e9ef; border-radius: 12px; padding: 28px; transition: transform .2s, box-shadow .2s; text-decoration: none; }
.related-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(14,23,38,.10); }
.related-card h3 { font-family: 'Oswald', sans-serif; font-size: 1.1rem; color: #071E3F; margin: 0 0 8px; text-transform: uppercase; }
.related-card p { color: #555; font-size: 14px; line-height: 1.6; margin: 0 0 16px; }
.related-link { color: var(--gold); font-weight: 600; font-size: 0.9rem; display: inline-flex; align-items: center; gap: 4px; }
@media (max-width: 768px) { .related-grid { grid-template-columns: 1fr; } }

/* ── Process ── */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  counter-reset: step;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--navy-light));
  z-index: 1;
}

.process-step {
  position: relative;
  text-align: center;
  padding: 0 16px;
  counter-increment: step;
  z-index: 2;
}

.process-step .step-number {
  width: 80px;
  height: 80px;
  margin: 0 auto 24px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Oswald', sans-serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: #ffffff;
  border: 3px solid var(--gold);
  transition: all 0.3s ease;
  box-shadow: 0 4px 20px rgba(187, 139, 79, 0.2);
}

.process-step:hover .step-number {
  background: linear-gradient(135deg, var(--gold) 0%, #a07840 100%);
  border-color: var(--gold);
  transform: scale(1.1);
  box-shadow: 0 8px 30px rgba(187, 139, 79, 0.35);
}

.process-step h3 {
  font-size: 1rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 10px;
  color: #1a1a1a;
}

.process-step p { color: #666666; font-size: 0.85rem; line-height: 1.6; }

/* ── Testimonials ── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
}

.testimonial-card {
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 8px;
  padding: 32px;
}

.stars {
  color: var(--gold);
  font-size: 18px;
  margin-bottom: 16px;
  letter-spacing: 2px;
}

.testimonial-card blockquote {
  color: #666666;
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}

.testimonial-author {
  font-family: 'Oswald', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.05em;
}

/* ── Contact ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.contact-info h2 { font-size: 2.5rem; margin-bottom: 8px; }
.contact-info h2 .accent { color: var(--gold); }
.contact-info > p { color: #666666; margin-bottom: 40px; }

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-icon {
  width: 48px;
  height: 48px;
  background: rgba(187, 139, 79, 0.1);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon svg { width: 22px; height: 22px; }

.contact-item h4 {
  font-size: 0.85rem;
  color: #666666;
  margin-bottom: 4px;
  letter-spacing: 0.1em;
}

.contact-item a,
.contact-item p {
  color: #1a1a1a;
  font-size: 1.05rem;
  font-weight: 500;
}

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

.contact-form {
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 12px;
  padding: 40px;
}

.contact-form h3 { font-size: 1.5rem; margin-bottom: 24px; }

.form-group { margin-bottom: 16px; }

.form-group label {
  display: block;
  font-size: 0.85rem;
  color: #666666;
  margin-bottom: 6px;
  font-weight: 500;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 12px 16px;
  background: #f5f5f5;
  border: 1px solid rgba(0,0,0,0.12);
  border-radius: 6px;
  color: #1a1a1a;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  transition: border-color 0.3s;
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--gold);
}

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

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

/* ── Page Hero ── */
.page-hero {
  padding: 140px 0 80px;
  background: var(--navy);
  position: relative;
  overflow: hidden;
  color: #ffffff;
}
.page-hero .hero-content {
  padding: 0 24px 0 60px;
}
.page-hero .btn-outline {
  color: #fff;
  border-color: #fff;
}
.page-hero .btn-outline:hover {
  background: #fff;
  color: var(--navy);
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='52' viewBox='0 0 60 52' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M30 0l25.98 15v30L30 60 4.02 45V15z' fill='none' stroke='rgba(187,139,79,0.06)' stroke-width='1'/%3E%3C/svg%3E");
  background-size: 60px 52px;
}

.page-hero::after {
  content: '';
  position: absolute;
  top: 0;
  right: -10%;
  width: 60%;
  height: 100%;
  background: linear-gradient(135deg, transparent 30%, rgba(187,139,79,0.08) 55%, rgba(255,255,255,0.05) 75%);
  transform: skewX(-15deg);
}

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

.breadcrumb {
  display: flex;
  gap: 8px;
  align-items: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 16px;
}

.breadcrumb a { color: rgba(255,255,255,0.6); transition: color 0.3s; }
.breadcrumb a:hover { color: #ffffff; }
.breadcrumb span { color: var(--gold); }

.page-hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  line-height: 1.1;
  margin-bottom: 16px;
}

.page-hero h1 .accent { color: var(--gold); }

.page-hero > .container > p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  max-width: 600px;
  line-height: 1.7;
}

/* ── Content Sections ── */
.content-section { padding: 80px 0; }
.content-section h2 { font-size: 2rem; margin-bottom: 16px; }
.content-section h2 .accent { color: var(--gold); }
.content-section p { color: #666666; font-size: 1.05rem; line-height: 1.8; margin-bottom: 20px; max-width: 800px; }
.content-section ul { color: #666666; font-size: 1.05rem; line-height: 1.8; margin-bottom: 20px; padding-left: 24px; }
.content-section li { margin-bottom: 8px; }
.content-section.bg-light { background: #f5f5f5; }

.content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

/* ── Feature Items ── */
.feature-list {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  counter-reset: feature;
}

.feature-item {
  position: relative;
  text-align: center;
  padding: 40px 20px 32px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 10px;
  transition: all 0.3s;
  counter-increment: feature;
  overflow: hidden;
}

.feature-item::before {
  content: counter(feature, decimal-leading-zero);
  position: absolute;
  top: 12px;
  right: 16px;
  font-family: 'Oswald', sans-serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: rgba(255,255,255,0.06);
  line-height: 1;
}

.feature-item::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--navy-light));
  opacity: 0;
  transition: opacity 0.3s;
}

.feature-item:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.15); }
.feature-item:hover::after { opacity: 1; }

.check-icon { width: 36px; height: 36px; fill: var(--gold); margin-bottom: 16px; }

.feature-item strong {
  display: block;
  font-family: 'Oswald', sans-serif;
  font-size: 1rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 10px;
  color: #ffffff;
}

.feature-item p { color: rgba(255,255,255,0.6); font-size: 0.88rem; line-height: 1.7; margin: 0; }

/* ── Location Cards ── */
.locations-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.location-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border: 1px solid rgba(187,139,79,0.12);
  border-radius: 12px;
  padding: 32px;
  transition: all 0.4s ease;
  text-align: center;
  position: relative;
  overflow: hidden;
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  display: block;
}

.location-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 60px;
  height: 3px;
  background: var(--gold);
  transition: width 0.4s ease;
}

.location-card:hover {
  transform: translateY(-6px);
  border-color: rgba(187, 139, 79, 0.3);
  box-shadow: 0 20px 50px rgba(0,0,0,0.3), 0 0 30px rgba(187, 139, 79, 0.08);
}

.location-card:hover::before { width: 100%; background: linear-gradient(90deg, var(--gold), var(--navy-light)); }

.location-icon {
  width: 64px;
  height: 64px;
  background: rgba(187,139,79,0.1);
  border: 2px solid var(--gold);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 4px 15px rgba(187, 139, 79, 0.15);
  transition: all 0.3s ease;
  color: var(--gold);
}

.location-icon svg { width: 28px; height: 28px; }

.location-card:hover .location-icon {
  background: linear-gradient(135deg, var(--gold) 0%, #a07840 100%);
  box-shadow: 0 6px 20px rgba(187, 139, 79, 0.3);
  transform: scale(1.08);
  color: var(--navy);
}

.location-card h3 { font-size: 1.3rem; margin-bottom: 8px; color: #ffffff; }
.location-card p { color: rgba(255,255,255,0.6); font-size: 0.9rem; margin-bottom: 16px; }

.location-card .card-link {
  color: var(--gold);
  font-family: 'Oswald', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* ── CTA Section ── */
.cta-section {
  background: var(--navy);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='52' viewBox='0 0 60 52' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M30 0l25.98 15v30L30 60 4.02 45V15z' fill='none' stroke='rgba(187,139,79,0.05)' stroke-width='1'/%3E%3C/svg%3E");
  background-size: 60px 52px;
}

.cta-section > .container { position: relative; z-index: 1; }

.cta-section h2 { font-size: 2.2rem; margin-bottom: 16px; color: #ffffff; }
.cta-section h2 .accent { color: var(--gold); }

.cta-section p {
  color: rgba(255,255,255,0.6);
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto 32px;
  line-height: 1.7;
}

.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.cta-section .btn-outline {
  color: #ffffff;
  border-color: rgba(255,255,255,0.3);
}

.cta-section .btn-outline:hover { border-color: #ffffff; }

/* ── Map ── */
.map-section {
  height: 350px;
  background: #e5e5e5;
  overflow: hidden;
}

.map-section iframe {
  width: 100%;
  height: 100%;
  border: none;
  filter: grayscale(20%);
}

/* ── About Story ── */
.about-story {
  padding: 80px 0;
  background: var(--navy);
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.about-story::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='52' viewBox='0 0 60 52' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M30 0l25.98 15v30L30 60 4.02 45V15z' fill='none' stroke='rgba(187,139,79,0.06)' stroke-width='1'/%3E%3C/svg%3E");
  background-size: 60px 52px;
}

.about-story > .container { position: relative; z-index: 1; }

.about-story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.about-story-text h2 { font-size: 2.5rem; color: #ffffff; margin-bottom: 24px; }
.about-story-text h2 .accent { color: var(--gold); }
.about-story-text p { color: #aaaaaa; font-size: 1.05rem; line-height: 1.8; margin-bottom: 20px; }

.about-story-image {
  position: sticky;
  top: 100px;
  border-radius: 12px;
  overflow: hidden;
  border: 2px solid rgba(187,139,79,0.2);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(187,139,79,0.05);
  padding: 40px;
}

.about-story-image img { max-width: 280px; }

/* ── Features Grid ── */
.about-features {
  padding: 80px 0;
  background: var(--navy);
  color: #ffffff;
  position: relative;
}

.about-features::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='52' viewBox='0 0 60 52' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M30 0l25.98 15v30L30 60 4.02 45V15z' fill='none' stroke='rgba(187,139,79,0.05)' stroke-width='1'/%3E%3C/svg%3E");
  background-size: 60px 52px;
}

.about-features .container { position: relative; z-index: 1; }
.about-features .section-header h2 { color: #ffffff; }

.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}

.feature-card {
  background: linear-gradient(135deg, rgba(187,139,79,0.08) 0%, rgba(187,139,79,0.03) 100%);
  border: 1px solid rgba(187,139,79,0.15);
  border-radius: 12px;
  padding: 32px 24px;
  text-align: center;
  transition: all 0.4s ease;
  position: relative;
  overflow: hidden;
}

.feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 60px;
  height: 3px;
  background: var(--gold);
  transition: width 0.4s ease;
}

.feature-card:hover {
  transform: translateY(-6px);
  border-color: rgba(187, 139, 79, 0.3);
  box-shadow: 0 20px 50px rgba(0,0,0,0.3);
}

.feature-card:hover::before { width: 100%; }

.feature-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 20px;
  color: var(--gold);
}

.feature-icon svg { width: 100%; height: 100%; }

.feature-card h3 { font-size: 1.1rem; margin-bottom: 12px; color: #ffffff; }
.feature-card p { color: rgba(255,255,255,0.6); font-size: 0.9rem; line-height: 1.7; }

/* ── Blog Cards ── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 24px;
}

.blog-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border: 1px solid rgba(187,139,79,0.12);
  border-radius: 12px;
  overflow: hidden;
  transition: all 0.4s ease;
  display: flex;
  flex-direction: column;
  position: relative;
}

.blog-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 60px;
  height: 3px;
  background: var(--gold);
  transition: width 0.4s ease;
  z-index: 2;
}

.blog-card:hover {
  transform: translateY(-6px);
  border-color: rgba(187, 139, 79, 0.3);
  box-shadow: 0 20px 50px rgba(0,0,0,0.3);
}

.blog-card:hover::before { width: 100%; }

.blog-card-img {
  height: 200px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  border-bottom: 2px solid var(--gold);
  position: relative;
}

.blog-card-img .blog-icon {
  width: 60px;
  height: 60px;
  opacity: 0.3;
}

.blog-card:hover .blog-icon {
  opacity: 0.5;
}

.blog-tag {
  position: absolute;
  top: 12px;
  left: 12px;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Oswald', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 3px;
  z-index: 3;
}

.blog-card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.blog-meta { font-size: 0.8rem; color: var(--gold); margin-bottom: 8px; font-weight: 600; letter-spacing: 0.02em; }
.blog-card-meta { font-size: 0.8rem; color: rgba(255,255,255,0.5); margin-bottom: 12px; }
.blog-card h3 { font-size: 1.15rem; margin-bottom: 12px; line-height: 1.3; }
.blog-card h3 a { color: #ffffff; transition: color 0.3s; }
.blog-card h3 a:hover { color: var(--gold); }
.blog-card p { color: rgba(255,255,255,0.6); font-size: 0.9rem; line-height: 1.7; flex: 1; }

.blog-card .read-more {
  color: var(--gold);
  font-family: 'Oswald', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-top: 16px;
}

/* ── Article ── */
.article-content { max-width: 800px; margin: 0 auto; padding: 60px 24px 100px; }
.article-content h2 { font-size: 1.8rem; margin: 48px 0 16px; text-transform: none; letter-spacing: 0; }
.article-content h3 { font-size: 1.3rem; margin: 32px 0 12px; text-transform: none; letter-spacing: 0; }
.article-content p { color: #666666; font-size: 1.05rem; line-height: 1.8; margin-bottom: 20px; }
.article-content ul, .article-content ol { color: #666666; font-size: 1.05rem; line-height: 1.8; margin-bottom: 20px; padding-left: 24px; }
.article-content li { margin-bottom: 8px; }
.article-content strong { color: #1a1a1a; }

.article-cta {
  background: #f5f5f5;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 12px;
  padding: 40px;
  text-align: center;
  margin-top: 60px;
}

.article-cta h3 { font-size: 1.5rem; margin-bottom: 12px; }
.article-cta p { color: #666666; margin-bottom: 24px; }

/* ── Legal ── */
.legal-content { max-width: 800px; margin: 0 auto; padding: 40px 24px 100px; }
.legal-content h2 { font-size: 1.5rem; margin: 40px 0 12px; text-transform: none; }
.legal-content p, .legal-content li { color: #666666; font-size: 0.95rem; line-height: 1.8; margin-bottom: 16px; }
.legal-content ul { padding-left: 24px; margin-bottom: 20px; }

/* ── Footer ── */
footer {
  background: var(--navy);
  border-top: 3px solid var(--gold);
  padding: 60px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand { display: flex; flex-direction: column; }
.footer-brand-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.footer-brand-logo img { height: 40px; border-radius: 50%; }
.footer-brand-logo .fb-name {
  font-family: 'Oswald', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: #ffffff;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.footer-brand-logo .fb-name span { color: var(--gold); }
.footer-brand-logo .fb-sub {
  font-size: 9px;
  color: var(--gold);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-top: 1px;
}

.footer-brand p {
  color: #999999;
  font-size: 0.9rem;
  max-width: 300px;
  line-height: 1.7;
}

.footer-social {
  display: flex;
  gap: 16px;
  margin-top: 16px;
}

.footer-social a {
  color: #999999;
  transition: color 0.3s ease;
}

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

.footer-col h4 {
  font-size: 0.9rem;
  letter-spacing: 0.1em;
  margin-bottom: 20px;
  color: var(--text);
}

.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }

.footer-col a {
  color: var(--text-muted);
  font-size: 0.9rem;
  transition: color 0.3s;
}

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

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.05);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-bottom p { color: #999999; font-size: 0.85rem; }
.footer-bottom a { color: #999999; transition: color 0.3s; }
.footer-bottom a:hover { color: var(--gold); }

.footer-legal { display: flex; gap: 24px; }

/* ── Animations ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

.fade-up { opacity: 0; animation: fadeUp 0.8s ease forwards; }
.fade-up:nth-child(2) { animation-delay: 0.1s; }
.fade-up:nth-child(3) { animation-delay: 0.2s; }
.fade-up:nth-child(4) { animation-delay: 0.3s; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .feature-list { grid-template-columns: repeat(2, 1fr); }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .process-steps { grid-template-columns: repeat(2, 1fr); gap: 40px 0; }
  .process-steps::before { display: none; }
}

@media (max-width: 768px) {
  .nav-links {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: #ffffff !important;
    padding: 12px 0 20px;
    border-bottom: 3px solid var(--gold);
    box-shadow: 0 8px 30px rgba(0,0,0,0.15);
    gap: 0;
    z-index: 999;
  }

  .nav-links.open { display: flex; min-height: calc(100vh - 70px); }

  .nav-links > li { border-bottom: 1px solid rgba(0,0,0,0.06); }
  .nav-links > li:last-child { border-bottom: none; }

  .nav-logo img { height: 30px; }

  .nav-links > li > a {
    padding: 11px 24px;
    font-size: 12px;
    letter-spacing: 0.08em;
    color: #1a1a1a;
    justify-content: center;
  }

  .nav-phone {
    font-size: 13px !important;
    padding: 11px 24px !important;
    text-align: center;
    display: block !important;
  }

  .nav-cta {
    margin: 8px 24px 4px !important;
    padding: 12px 24px !important;
    text-align: center;
    display: block !important;
    border-radius: 6px !important;
    font-size: 12px !important;
  }

  .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    background: #ffffff;
    border: none;
    border-radius: 0;
    box-shadow: none;
    display: none;
    padding: 4px 0;
    border-top: 1px solid rgba(0,0,0,0.06);
  }

  .dropdown a { padding: 9px 40px; font-size: 12px; text-align: center; color: #666666; }
  .dropdown a:hover { padding-left: 40px; }

  .nav-links > li.dropdown-open .dropdown { display: block; }

  .menu-toggle { display: block; }

  .hero { min-height: auto; padding: 0; align-items: flex-start; }
  .hero-stripe { right: 5%; width: 120px; opacity: 0.2; }
  .hero-grid { grid-template-columns: 1fr; gap: 26px; padding: 92px 20px 44px; }
  .hero-content { padding: 0; text-align: center; }
  .hero h1 { font-size: 2rem; line-height: 1.32; margin-bottom: 22px; letter-spacing: 1px; }
  .hero-sub { border-left: none; padding-left: 0; text-align: center; margin: 0 auto 32px; font-size: 1rem; line-height: 1.7; }
  .hero-actions { justify-content: center; flex-direction: row; flex-wrap: wrap; gap: 12px; }
  .hero-actions .btn { width: auto; min-width: 0; padding: 14px 24px; font-size: 14.5px; text-align: center; justify-content: center; }
  .hero-side { padding: 22px; }
  .hero::after { height: 60px; }
  .hero-logo-img { width: 240px; margin: 0 auto 30px; display: block; }

  .insurance-partners { padding: 24px 0; }
  .partners-logos { gap: 14px 12px; }
  .partner-logo { font-size: 0.75rem; }

  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .content-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-story-grid { grid-template-columns: 1fr; gap: 30px; }
  .about-story-image { position: static; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-legal { justify-content: center; }
  .blog-grid { grid-template-columns: 1fr; }

  /* --- Mobile: reduce vertical bulk / tighten spacing --- */
  section { padding: 44px 0; }
  section[style*="padding:100px"],
  section[style*="padding: 100px"],
  section[style*="padding:80px"],
  section[style*="padding: 80px"] { padding-top: 44px !important; padding-bottom: 44px !important; }
  section[style*="padding:60px"],
  section[style*="padding: 60px"] { padding-top: 40px !important; padding-bottom: 40px !important; }
  .content-section { padding: 44px 0; }
  .cta-section { padding: 44px 0; }
  .page-hero { padding: 86px 0 44px; }
  .page-hero h1 { font-size: 1.9rem; line-height: 1.25; margin-bottom: 12px; letter-spacing: 1px; }
  .page-hero > .container > p { font-size: 0.98rem; }
  .section-header { margin-bottom: 26px; }
  .section-header h2 { font-size: 1.55rem; line-height: 1.2; }
  .section-header p { font-size: 0.98rem; }

  /* Cap oversized page headings on mobile */
  .contact-info h2 { font-size: 1.65rem; margin-bottom: 8px; }
  .content-section h2 { font-size: 1.55rem; line-height: 1.2; }
  .cta-section h2 { font-size: 1.6rem; line-height: 1.2; }
  .about-story-text h2 { font-size: 1.65rem; line-height: 1.2; margin-bottom: 16px; }

  /* Blog article body — tighter padding, headings, margins */
  .article-content { padding: 32px 22px 48px; }
  .article-content h2 { font-size: 1.4rem; margin: 30px 0 12px; }
  .article-content h3 { font-size: 1.15rem; margin: 22px 0 10px; }
  .article-content p { line-height: 1.65; }

  /* Smaller stat numbers + card headings */
  .why-grid { gap: 20px 18px; }
  .why-number { font-size: 2rem; margin-bottom: 2px; }
  .why-item h3 { font-size: 0.95rem; margin-bottom: 4px; }
  .why-item p { font-size: 0.85rem; line-height: 1.45; }
  .service-card h3, .related-card h3, .blog-card h3 { font-size: 1.1rem; }

  /* Tighter card padding */
  .service-card { padding: 24px 20px; }
  .testimonial-card { padding: 22px; }
  .related-card { padding: 20px; }
  .feature-card { padding: 22px 18px; }
  .blog-card-body { padding: 18px; }
  .sidebar-card { padding: 22px; }

  /* Smaller service icons + tighter gaps */
  .service-icon { width: 48px; height: 48px; margin-bottom: 16px; border-radius: 12px; }
  .service-icon svg { width: 24px; height: 24px; }
  .service-card p, .why-item p, .related-card p, .blog-card p, .testimonial-card blockquote { line-height: 1.6; }
  .why-item { margin-bottom: 4px; }

  /* Slightly smaller buttons */
  .btn { padding: 13px 22px; font-size: 14px; }
}

@media (max-width: 550px) {
  .process-steps { grid-template-columns: 1fr; gap: 32px; }
  .feature-list { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}