/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  font-family: 'Nunito', sans-serif;
  color: #1a2a3a;
  background: #ffffff;
  line-height: 1.7;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; font-size: inherit; }

/* ===== CUSTOM PROPERTIES ===== */
:root {
  --navy: #0A2540;
  --navy-light: #133a5c;
  --mint: #6DD4B0;
  --mint-light: #E8FAF5;
  --mint-dark: #4FB892;
  --white: #ffffff;
  --off-white: #F7FBF9;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-600: #475569;
  --gray-800: #1e293b;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --shadow-sm: 0 1px 3px rgba(10,37,64,0.06), 0 1px 2px rgba(10,37,64,0.04);
  --shadow-md: 0 4px 16px rgba(10,37,64,0.08), 0 2px 4px rgba(10,37,64,0.04);
  --shadow-lg: 0 12px 40px rgba(10,37,64,0.12), 0 4px 12px rgba(10,37,64,0.06);
  --shadow-xl: 0 24px 60px rgba(10,37,64,0.15);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ===== UTILITY ===== */
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-tag {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--mint-dark);
  background: var(--mint-light);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-subtitle {
  font-size: 1.1rem;
  color: var(--gray-600);
  max-width: 560px;
  line-height: 1.7;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: 50px;
  transition: var(--transition);
  white-space: nowrap;
}
.btn--primary {
  background: var(--mint);
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(109,212,176,0.4);
}
.btn--primary:hover {
  background: var(--mint-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(109,212,176,0.5);
}
.btn--secondary {
  background: rgba(255,255,255,0.15);
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
  backdrop-filter: blur(4px);
}
.btn--secondary:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
  transform: translateY(-2px);
}
.btn--full { width: 100%; justify-content: center; }

/* ===== NAVIGATION ===== */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(10,37,64,0.06);
  transition: var(--transition);
}
.nav.scrolled {
  box-shadow: var(--shadow-md);
}
.nav__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav__brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--navy);
}
.nav__logo { width: 36px; height: 36px; flex-shrink: 0; }
.nav__brand-text { display: none; }
.nav__links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav__link {
  padding: 8px 16px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--gray-600);
  transition: var(--transition);
}
.nav__link:hover { color: var(--navy); background: var(--mint-light); }
.nav__link--cta {
  background: var(--navy);
  color: var(--white) !important;
  margin-left: 8px;
}
.nav__link--cta:hover { background: var(--navy-light); }

/* Mobile toggle */
.nav__toggle {
  display: flex;
  flex-direction: column;
  gap: 5px;
  width: 32px;
  padding: 4px 0;
}
.nav__toggle-bar {
  width: 100%;
  height: 2.5px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
  transform-origin: center;
}
.nav__toggle[aria-expanded="true"] .nav__toggle-bar:nth-child(1) {
  transform: translateY(7.5px) rotate(45deg);
}
.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: translateY(-7.5px) rotate(-45deg);
}

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero__image {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(10,37,64,0.88) 0%,
    rgba(10,37,64,0.72) 50%,
    rgba(10,37,64,0.55) 100%
  );
}
.hero__content {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  padding: 120px 24px 80px;
  width: 100%;
}
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(109,212,176,0.2);
  border: 1px solid rgba(109,212,176,0.4);
  color: var(--mint);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  padding: 8px 18px;
  border-radius: 50px;
  margin-bottom: 24px;
  backdrop-filter: blur(8px);
}
.hero__badge svg { width: 16px; height: 16px; flex-shrink: 0; }
.hero__headline {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 5.5vw, 4.2rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.12;
  margin-bottom: 24px;
  max-width: 700px;
}
.hero__accent {
  color: var(--mint);
  display: block;
}
.hero__subheadline {
  font-size: clamp(1rem, 1.5vw, 1.2rem);
  color: rgba(255,255,255,0.8);
  max-width: 540px;
  line-height: 1.75;
  margin-bottom: 36px;
}
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 48px;
}
.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.85);
  font-weight: 600;
  font-size: 0.9rem;
}
.hero__trust-item svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  opacity: 0.9;
}

/* ===== SERVICES ===== */
.services {
  padding: 100px 0;
  background: var(--off-white);
}
.services .section-header {
  text-align: center;
  margin-bottom: 56px;
}
.services .section-subtitle { margin: 0 auto; }
.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(10,37,64,0.04);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--mint);
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}
.service-card:hover::before { transform: scaleX(1); }
.service-card__icon {
  width: 64px;
  height: 64px;
  margin-bottom: 20px;
}
.service-card__icon svg { width: 100%; height: 100%; }
.service-card__title {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.service-card__desc {
  font-size: 0.95rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ===== ABOUT ===== */
.about {
  padding: 100px 0;
  background: var(--white);
}
.about__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about__image-wrap {
  position: relative;
}
.about__image {
  width: 100%;
  height: 500px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
}
.about__image-accent {
  position: absolute;
  bottom: -20px;
  right: -20px;
  width: 160px;
  height: 160px;
  background: var(--mint);
  border-radius: var(--radius-xl);
  z-index: -1;
  opacity: 0.3;
}
.about__content { max-width: 480px; }
.about__text {
  font-size: 1.05rem;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 16px;
}
.about__list {
  margin-top: 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.about__list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
}
.about__list svg {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  color: var(--mint-dark);
  margin-top: 1px;
}

/* ===== INSURANCE ===== */
.insurance {
  padding: 100px 0;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.insurance::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(109,212,176,0.12) 0%, transparent 70%);
  border-radius: 50%;
}
.insurance .section-tag { background: rgba(109,212,176,0.15); color: var(--mint); }
.insurance .section-title { color: var(--white); }
.insurance__inner {
  position: relative;
  z-index: 1;
}
.insurance__text {
  max-width: 520px;
  margin-bottom: 48px;
}
.insurance__desc {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.8;
}
.insurance__cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.ins-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  backdrop-filter: blur(8px);
  transition: var(--transition);
}
.ins-card:hover {
  background: rgba(255,255,255,0.1);
  transform: translateY(-4px);
}
.ins-card svg {
  width: 48px;
  height: 48px;
  margin-bottom: 18px;
  color: var(--mint);
}
.ins-card h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
}
.ins-card p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.7;
}

/* ===== CONTACT ===== */
.contact {
  padding: 100px 0;
  background: var(--off-white);
}
.contact__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.contact__desc {
  font-size: 1.05rem;
  color: var(--gray-600);
  line-height: 1.8;
  margin-bottom: 32px;
}
.contact__details {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 32px;
}
.contact__detail { display: contents; }
.contact__detail dt {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 4px;
}
.contact__detail dt svg {
  width: 20px;
  height: 20px;
  color: var(--mint-dark);
  flex-shrink: 0;
}
.contact__detail dd {
  margin: 0;
  padding-left: 32px;
}
.contact__detail a {
  color: var(--gray-600);
  font-size: 0.95rem;
  transition: var(--transition);
  line-height: 1.6;
}
.contact__detail a:hover { color: var(--mint-dark); }
.contact__map {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  height: 220px;
}
.contact__map iframe {
  width: 100%;
  height: 100%;
  border: 0;
}

/* Form */
.contact__form-wrap {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(10,37,64,0.04);
}
.contact__form-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 24px;
}
.form-group { margin-bottom: 18px; }
.form-label {
  display: block;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--navy);
  margin-bottom: 6px;
  letter-spacing: 0.02em;
}
.form-input, .form-textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-md);
  font-size: 0.95rem;
  color: var(--gray-800);
  transition: var(--transition);
  background: var(--gray-50);
  outline: none;
}
.form-input:focus, .form-textarea:focus {
  border-color: var(--mint);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(109,212,176,0.15);
}
.form-textarea { resize: vertical; min-height: 100px; }
.form-note {
  font-size: 0.8rem;
  color: var(--gray-400);
  text-align: center;
  margin-top: 14px;
  line-height: 1.5;
}
.form-success {
  text-align: center;
  padding: 32px 20px;
}
.form-success svg {
  width: 64px;
  height: 64px;
  margin: 0 auto 16px;
}
.form-success h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.form-success p {
  color: var(--gray-600);
  font-size: 0.95rem;
}

/* ===== FOOTER ===== */
.footer {
  background: var(--navy);
  padding: 64px 0 0;
}
.footer__inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--white);
  margin-bottom: 12px;
}
.footer__logo svg { width: 36px; height: 36px; flex-shrink: 0; }
.footer__tagline {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  max-width: 280px;
}
.footer__links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer__links a {
  color: rgba(255,255,255,0.65);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 4px 0;
  transition: var(--transition);
}
.footer__links a:hover { color: var(--mint); }
.footer__contact {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer__contact a {
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  transition: var(--transition);
}
.footer__contact a:hover { color: var(--mint); }
.footer__contact span {
  color: rgba(255,255,255,0.5);
  font-size: 0.9rem;
}
.footer__bottom {
  padding: 24px 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.footer__bottom p {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}
.footer__disclaimer { max-width: 480px; text-align: right; }

/* ===== ANIMATIONS ===== */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ===== RESPONSIVE ===== */
@media (min-width: 640px) {
  .nav__brand-text { display: block; }
  .services__grid { grid-template-columns: repeat(2, 1fr); }
  .insurance__cards { grid-template-columns: repeat(3, 1fr); }
}

@media (min-width: 768px) {
  .hero__content { padding-top: 140px; }
}

@media (max-width: 768px) {
  .nav__toggle { display: flex; }
  .nav__links {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    gap: 8px;
    box-shadow: var(--shadow-lg);
    transform: translateY(-120%);
    transition: var(--transition);
    border-bottom: 3px solid var(--mint);
  }
  .nav__links.open { transform: translateY(0); }
  .nav__link { width: 100%; text-align: center; padding: 12px; }
  .nav__link--cta { margin-left: 0; }

  .hero__headline { font-size: clamp(1.8rem, 8vw, 2.8rem); }
  .hero__trust { gap: 16px; }
  .hero__trust-item { font-size: 0.82rem; }

  .services__grid { grid-template-columns: 1fr; }
  .about__inner { grid-template-columns: 1fr; gap: 40px; }
  .about__image { height: 320px; }
  .insurance__cards { grid-template-columns: 1fr; }
  .contact__inner { grid-template-columns: 1fr; gap: 40px; }
  .contact__form-wrap { padding: 28px; }
  .footer__inner { grid-template-columns: 1fr; gap: 32px; }
  .footer__bottom { flex-direction: column; text-align: center; }
  .footer__disclaimer { text-align: center; }
}

@media (max-width: 480px) {
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; justify-content: center; }
  .container { padding: 0 16px; }
  .services, .about, .insurance, .contact { padding: 72px 0; }
}