:root {
  --navy: #1a2744;
  --navy-light: #2a3d66;
  --teal: #3d6b8c;
  --teal-light: #5a8fb0;
  --gold: #c4923a;
  --gold-soft: #e8d4a8;
  --cream: #f8f6f1;
  --white: #ffffff;
  --text: #1e2a32;
  --text-muted: #5a6b75;
  --border: #dde4e8;
  --shadow: 0 4px 24px rgba(15, 45, 61, 0.08);
  --shadow-lg: 0 12px 48px rgba(15, 45, 61, 0.12);
  --radius: 12px;
  --radius-lg: 20px;
  --font-display: "Cormorant Garamond", Georgia, serif;
  --font-body: "Source Sans 3", system-ui, sans-serif;
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--text);
  background: var(--cream);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--teal);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

a:hover {
  color: var(--navy);
}

.container {
  width: min(1120px, 92vw);
  margin-inline: auto;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 245, 240, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
  gap: 1.5rem;
}

.logo {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: 0.02em;
}

.logo span {
  color: var(--teal);
}

.nav-desktop {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-desktop a {
  color: var(--text);
  text-decoration: none;
  font-weight: 500;
  font-size: 0.95rem;
}

.nav-desktop a:hover {
  color: var(--teal);
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  padding: 0.5rem;
  cursor: pointer;
  color: var(--navy);
}

.nav-mobile {
  display: none;
  flex-direction: column;
  gap: 0.5rem;
  padding-bottom: 1rem;
  list-style: none;
  margin: 0;
  padding-left: 0;
}

.nav-mobile a {
  display: block;
  padding: 0.6rem 0;
  color: var(--text);
  text-decoration: none;
  font-weight: 500;
  border-bottom: 1px solid var(--border);
}

.nav-mobile.open {
  display: flex;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.6rem;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-light) 100%);
  color: var(--white);
  box-shadow: var(--shadow);
}

.btn-primary:hover {
  box-shadow: var(--shadow-lg);
  color: var(--white);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}

.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}

/* Hero */
.hero {
  padding: 4rem 0 5rem;
  background:
    radial-gradient(ellipse 80% 60% at 100% 0%, rgba(42, 125, 110, 0.12), transparent),
    radial-gradient(ellipse 60% 50% at 0% 100%, rgba(201, 162, 39, 0.08), transparent),
    var(--cream);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 3.4rem);
  font-weight: 600;
  line-height: 1.15;
  color: var(--navy);
  margin: 0 0 1.25rem;
}

.hero-eyebrow {
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold);
  margin: 0 0 0.75rem;
}

.hero-lead {
  font-size: 1.15rem;
  color: var(--text-muted);
  margin: 0 0 2rem;
  max-width: 42ch;
}

.hero-note {
  margin: 1.5rem 0 0;
  font-size: 0.95rem;
  color: var(--text-muted);
  max-width: 40ch;
  padding-left: 1rem;
  border-left: 3px solid var(--gold-soft);
}

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

.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}

.hero-card h3 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  color: var(--navy);
  margin: 0 0 1rem;
}

.hero-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.hero-card li {
  padding: 0.65rem 0;
  padding-left: 1.75rem;
  position: relative;
  border-bottom: 1px solid var(--border);
  color: var(--text-muted);
}

.hero-card li:last-child {
  border-bottom: none;
}

.hero-card li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}

.hero-card li strong {
  color: var(--navy);
}

/* Service pillars */
.pillar-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.pillar-card {
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--border);
  background: var(--cream);
}

.pillar-insurance {
  border-top: 4px solid var(--teal);
}

.pillar-consulting {
  border-top: 4px solid var(--gold);
}

.pillar-label {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--teal);
  margin: 0 0 0.5rem;
}

.pillar-consulting .pillar-label {
  color: var(--gold);
}

.pillar-card h3 {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--navy);
  margin: 0 0 0.75rem;
}

.pillar-intro {
  color: var(--text-muted);
  margin: 0 0 1rem;
  font-size: 0.98rem;
}

.pillar-list {
  margin: 0;
  padding-left: 1.2rem;
  color: var(--text-muted);
  font-size: 0.95rem;
}

.pillar-list li {
  margin-bottom: 0.4rem;
}

.services-bridge {
  text-align: center;
  color: var(--text-muted);
  max-width: 52ch;
  margin: 0 auto;
  font-size: 1rem;
}

/* Credentials */
.credentials {
  background: var(--white);
  border-block: 1px solid var(--border);
}

.credentials-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.credential-card {
  text-align: center;
  padding: 1.5rem 1rem;
  border-radius: var(--radius);
  background: var(--cream);
  border: 1px solid var(--border);
}

.credential-icon {
  font-size: 1.75rem;
  display: block;
  margin-bottom: 0.5rem;
}

.credential-card h3 {
  margin: 0 0 0.25rem;
  font-size: 1.1rem;
  color: var(--navy);
}

.credential-card p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--text-muted);
}

/* Sections */
section {
  padding: 4.5rem 0;
}

.section-header {
  text-align: center;
  max-width: 42rem;
  margin: 0 auto 3rem;
}

.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.6rem);
  color: var(--navy);
  margin: 0 0 0.75rem;
}

.section-header p {
  color: var(--text-muted);
  margin: 0;
}

/* Services */
.services {
  background: var(--white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
}

.service-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 1.75rem;
  border: 1px solid var(--border);
  transition: box-shadow 0.2s ease;
}

.service-card:hover {
  box-shadow: var(--shadow);
}

.service-icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--teal-light), var(--teal));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 1rem;
}

.service-card h3 {
  font-size: 1.15rem;
  color: var(--navy);
  margin: 0 0 0.5rem;
}

.service-card p {
  margin: 0;
  font-size: 0.95rem;
  color: var(--text-muted);
}

/* About */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 3rem;
  align-items: start;
}

.about-photo-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/5;
  background: linear-gradient(160deg, var(--navy-light) 0%, var(--teal) 100%);
  box-shadow: var(--shadow-lg);
}

.about-photo-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.about-photo-fallback {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 2rem;
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  background: linear-gradient(to top, rgba(26, 39, 68, 0.85), transparent 50%);
}

.about-photo-fallback small {
  display: block;
  font-family: var(--font-body);
  font-size: 0.85rem;
  opacity: 0.9;
  margin-top: 0.25rem;
}

.about-photo-wrap:has(.about-photo-img:not([data-broken])) .about-photo-fallback {
  display: none;
}

.about-content h2 {
  font-family: var(--font-display);
  font-size: 2.2rem;
  color: var(--navy);
  margin: 0 0 1rem;
}

.about-content p {
  color: var(--text-muted);
  margin: 0 0 1rem;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1.5rem;
}

.trust-badge {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 0.75rem 1.25rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
}

/* Steps */
.steps {
  background: var(--navy);
  color: var(--white);
}

.steps .section-header h2,
.steps .section-header p {
  color: var(--white);
}

.steps .section-header p {
  opacity: 0.85;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.step {
  text-align: center;
  padding: 1.5rem;
}

.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
}

.step h3 {
  margin: 0 0 0.5rem;
  font-size: 1.15rem;
}

.step p {
  margin: 0;
  opacity: 0.85;
  font-size: 0.95rem;
}

/* FAQ */
.faq-list {
  max-width: 720px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item button {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 0;
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  text-align: left;
  cursor: pointer;
}

.faq-item button:hover {
  color: var(--teal);
}

.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--cream);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  transition: transform 0.2s ease;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: 0 0 1.25rem;
  color: var(--text-muted);
  font-size: 0.98rem;
}

.faq-item.open .faq-answer {
  display: block;
}

/* Contact */
.contact {
  background: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 3rem;
  align-items: start;
}

.contact-info h2 {
  font-family: var(--font-display);
  font-size: 2.2rem;
  color: var(--navy);
  margin: 0 0 1rem;
}

.contact-details {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 0;
}

.contact-details li {
  padding: 0.5rem 0;
  color: var(--text-muted);
}

.contact-details strong {
  color: var(--navy);
  display: block;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.15rem;
}

.contact-form {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--border);
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  margin-bottom: 0.4rem;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  font-family: var(--font-body);
  font-size: 1rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--white);
}

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

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: 2px solid var(--teal-light);
  outline-offset: 1px;
}

.form-note {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 1rem;
}

.form-success {
  display: none;
  padding: 1rem;
  background: rgba(42, 125, 110, 0.12);
  border-radius: 8px;
  color: var(--teal);
  font-weight: 500;
  margin-top: 1rem;
}

.form-success.visible,
.form-error.visible {
  display: block;
}

.form-error {
  display: none;
  padding: 1rem;
  background: rgba(180, 50, 50, 0.1);
  border-radius: 8px;
  color: #9b2c2c;
  font-weight: 500;
  margin-top: 1rem;
}

.form-success[hidden],
.form-error[hidden] {
  display: none !important;
}

.form-success.visible[hidden],
.form-error.visible[hidden] {
  display: block !important;
}

button[type="submit"]:disabled {
  opacity: 0.7;
  cursor: wait;
}

/* Footer */
.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.8);
  padding: 2.5rem 0;
  font-size: 0.9rem;
}

.footer-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1.5rem;
  align-items: start;
}

.footer-brand {
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--white);
  margin-bottom: 0.5rem;
}

.disclaimer {
  max-width: 52ch;
  font-size: 0.8rem;
  line-height: 1.5;
  opacity: 0.75;
}

.site-footer a {
  color: var(--gold-soft);
}

/* Responsive */
@media (max-width: 900px) {
  .hero-grid,
  .about-grid,
  .contact-grid,
  .steps-grid,
  .pillar-grid,
  .credentials-grid {
    grid-template-columns: 1fr;
  }

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

  .steps-grid {
    gap: 1rem;
  }

  .nav-desktop,
  .header-cta-desktop {
    display: none;
  }

  .nav-toggle {
    display: block;
  }
}

@media (max-width: 600px) {
  .hero {
    padding: 2.5rem 0 3rem;
  }

  section {
    padding: 3rem 0;
  }
}