/* ============================================================
   Best Insurance Consultancy — site styles
   ============================================================ */

:root{
  --navy:#0E2A47;
  --navy-2:#0B1F38;
  --navy-3:#143B61;
  --gold:#C9992E;
  --gold-2:#A87F1F;
  --gold-soft:#F6EBD3;
  --cream:#FAF6EE;
  --paper:#FFFFFF;
  --ink:#182A3E;
  --muted:#5C6B7A;
  --line:#E8E0CD;
  --line-2:#D9D0BA;
  --green:#2E7D4F;
  --red:#B4452F;
  --shadow:0 10px 30px rgba(14,42,71,.10);
  --shadow-lg:0 18px 44px rgba(14,42,71,.18);
  --r:14px;
  --font-display:"Fraunces", Georgia, "Times New Roman", serif;
  --font-body:"Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

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

html{scroll-behavior:smooth;scroll-padding-top:104px}

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

img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button{font-family:inherit;cursor:pointer}

.container{width:min(1180px,92%);margin:0 auto}

.skip-link{
  position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200;border-radius:0 0 8px 0;
}
.skip-link:focus{left:0}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-weight:600;font-size:.98rem;letter-spacing:.01em;
  padding:14px 26px;border-radius:10px;border:1.5px solid transparent;
  transition:transform .25s ease, box-shadow .25s ease, background .25s ease, color .25s ease, border-color .25s ease;
  white-space:nowrap;
}
.btn svg{flex:0 0 auto}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-3);transform:translateY(-2px);box-shadow:0 12px 26px rgba(14,42,71,.25)}
.btn-gold{background:var(--gold);color:var(--navy-2)}
.btn-gold:hover{background:#D8A93C;transform:translateY(-2px);box-shadow:0 12px 26px rgba(201,153,46,.35)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff;transform:translateY(-2px)}
.btn-outline-light{border-color:rgba(255,255,255,.55);color:#fff;background:transparent}
.btn-outline-light:hover{border-color:#fff;background:rgba(255,255,255,.1);transform:translateY(-2px)}
.btn:active{transform:translateY(0)}

/* ---------- topbar ---------- */
.topbar{background:var(--navy-2);color:#C8D4E2;font-size:.82rem}
.topbar-in{display:flex;justify-content:space-between;align-items:center;padding:8px 0;gap:12px}
.topbar-left,.topbar-right{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.tb-link,.tb-item{display:inline-flex;align-items:center;gap:7px;transition:color .2s}
.tb-link:hover{color:#fff}
.tb-item svg{opacity:.75}

/* ---------- header / nav ---------- */
.site-head{
  position:sticky;top:0;z-index:100;background:rgba(250,246,238,.92);
  backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
  border-bottom:1px solid transparent;transition:border-color .3s, box-shadow .3s, background .3s;
}
.site-head.scrolled{border-bottom-color:var(--line);box-shadow:0 6px 24px rgba(14,42,71,.08);background:rgba(250,246,238,.97)}
.nav-in{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:18px}
.brand{display:flex;align-items:center;gap:11px}
.brand-mark{width:38px;height:42px;flex:0 0 auto}
.brand-text{line-height:1.05;display:flex;flex-direction:column}
.brand-text strong{font-family:var(--font-display);font-weight:700;font-size:1.06rem;color:var(--navy);letter-spacing:.02em}
.brand-text small{font-size:.62rem;font-weight:700;letter-spacing:.34em;color:var(--gold-2);text-transform:uppercase;margin-top:2px}

.nav{display:flex;align-items:center;gap:28px}
.nav > a:not(.btn){font-size:.94rem;font-weight:600;color:var(--ink);position:relative;padding:6px 0}
.nav > a:not(.btn)::after{
  content:"";position:absolute;left:0;bottom:0;width:100%;height:2px;background:var(--gold);
  transform:scaleX(0);transform-origin:left;transition:transform .3s ease;
}
.nav > a:not(.btn):hover::after,.nav > a.active::after{transform:scaleX(1)}
.nav > a.active{color:var(--navy)}
.nav-cta{padding:11px 20px;font-size:.9rem}

.burger{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;background:none;border:0;padding:8px}
.burger span{display:block;height:2.4px;background:var(--navy);border-radius:2px;transition:transform .3s, opacity .3s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7.4px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.4px) rotate(-45deg)}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;padding:64px 0 84px}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(720px 420px at 82% 8%, rgba(201,153,46,.14), transparent 65%),
    radial-gradient(560px 380px at 6% 90%, rgba(14,42,71,.07), transparent 60%);
  pointer-events:none;
}
.hero::after{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(14,42,71,.045) 1px, transparent 1px),linear-gradient(90deg, rgba(14,42,71,.045) 1px, transparent 1px);
  background-size:44px 44px;
  -webkit-mask-image:radial-gradient(80% 80% at 50% 30%, #000 30%, transparent 100%);
  mask-image:radial-gradient(80% 80% at 50% 30%, #000 30%, transparent 100%);
  pointer-events:none;
}
.hero-in{position:relative;z-index:1;display:grid;grid-template-columns:1.02fr .98fr;gap:56px;align-items:center}

.eyebrow{
  display:inline-flex;align-items:center;gap:12px;
  font-size:.76rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);
}
.eyebrow::before{content:"";width:30px;height:2px;background:var(--gold)}

.hero h1{
  font-family:var(--font-display);font-weight:600;color:var(--navy);
  font-size:clamp(2.35rem,4.6vw,3.55rem);line-height:1.08;margin:18px 0 20px;letter-spacing:-.01em;
}
.hero h1 em{font-style:italic;color:var(--gold-2)}
.hero-sub{font-size:1.07rem;color:var(--muted);max-width:34rem;margin-bottom:30px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-note{
  display:flex;align-items:center;gap:9px;margin-top:22px;font-size:.84rem;color:var(--muted);
}
.hero-note svg{color:var(--gold-2);flex:0 0 auto}

.hero-visual{position:relative}
.hero-frame{
  position:relative;border-radius:18px;overflow:hidden;
  box-shadow:var(--shadow-lg);aspect-ratio:4/4.6;
}
.hero-frame img{width:100%;height:100%;object-fit:cover;animation:kenburns 22s ease-in-out infinite alternate}
@keyframes kenburns{from{transform:scale(1)}to{transform:scale(1.06)}}
.hero-frame::after{
  content:"";position:absolute;inset:0;border-radius:18px;
  border:1px solid rgba(255,255,255,.35);pointer-events:none;
}
.hero-frame-offset{
  position:absolute;inset:0;border-radius:18px;border:2px solid var(--gold);
  transform:translate(16px,16px);z-index:-1;opacity:.8;
}
.float-card{
  position:absolute;background:#fff;border-radius:12px;box-shadow:var(--shadow);
  padding:12px 16px;display:flex;align-items:center;gap:12px;
  animation:floaty 6s ease-in-out infinite alternate;
}
.float-card .fc-icon{
  width:38px;height:38px;border-radius:9px;background:var(--gold-soft);color:var(--gold-2);
  display:flex;align-items:center;justify-content:center;flex:0 0 auto;
}
.float-card strong{display:block;font-size:.95rem;color:var(--navy);line-height:1.25}
.float-card span{font-size:.76rem;color:var(--muted)}
.fc-1{top:7%;left:-26px;animation-delay:.4s}
.fc-2{bottom:8%;right:-20px;animation-delay:1.6s}
@keyframes floaty{from{transform:translateY(-7px)}to{transform:translateY(7px)}}

/* ---------- stats band ---------- */
.stats{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.stats::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(600px 240px at 15% 0%, rgba(201,153,46,.16), transparent 70%);
}
.stats-in{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:44px 0}
.stat{text-align:center;position:relative}
.stat + .stat::before{
  content:"";position:absolute;left:-12px;top:15%;bottom:15%;width:1px;background:rgba(255,255,255,.14);
}
.stat-num{
  font-family:var(--font-display);font-weight:600;font-size:clamp(1.9rem,3.2vw,2.6rem);
  color:var(--gold);line-height:1.1;
}
.stat-label{font-size:.85rem;color:#B9C6D6;margin-top:6px}

/* ---------- sections ---------- */
.section{padding:88px 0}
.section-tight{padding:64px 0}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;margin-bottom:48px}
.sec-head h2{
  font-family:var(--font-display);font-weight:600;color:var(--navy);
  font-size:clamp(1.85rem,3.1vw,2.5rem);line-height:1.15;margin-top:14px;letter-spacing:-.01em;
  max-width:22ch;
}
.sec-head .sec-sub{max-width:34rem;color:var(--muted);font-size:.99rem}

/* ---------- services ---------- */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.svc-card{
  position:relative;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);
  padding:28px 26px 26px;transition:transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.svc-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--gold)}
.svc-icon{
  width:52px;height:52px;border-radius:12px;background:var(--gold-soft);color:var(--navy);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
  transition:background .3s,color .3s;
}
.svc-card:hover .svc-icon{background:var(--navy);color:var(--gold)}
.svc-card h3{font-family:var(--font-display);font-size:1.22rem;font-weight:600;color:var(--navy);margin-bottom:9px}
.svc-card p{font-size:.93rem;color:var(--muted)}
.svc-badge{
  position:absolute;top:20px;right:18px;font-size:.66rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;color:var(--gold-2);background:var(--gold-soft);
  padding:5px 10px;border-radius:999px;
}
.svc-more{margin-top:36px;display:flex;align-items:center;justify-content:center;gap:10px;color:var(--muted);font-size:.92rem}
.svc-more a{color:var(--navy);font-weight:600;border-bottom:1.5px solid var(--gold);padding-bottom:2px;transition:color .2s}
.svc-more a:hover{color:var(--gold-2)}

/* ---------- process ---------- */
.process{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.proc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;position:relative}
.proc-item{position:relative;padding-top:8px}
.proc-num{
  font-family:var(--font-display);font-weight:600;font-size:1.05rem;color:var(--gold-2);
  width:46px;height:46px;border-radius:50%;background:var(--cream);border:1.5px solid var(--gold);
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;position:relative;z-index:1;
}
.proc-item::after{
  content:"";position:absolute;top:31px;left:60px;right:-14px;border-top:2px dashed var(--line-2);z-index:0;
}
.proc-item:last-child::after{display:none}
.proc-item h3{font-family:var(--font-display);font-size:1.12rem;font-weight:600;color:var(--navy);margin-bottom:8px}
.proc-item p{font-size:.9rem;color:var(--muted)}

/* ---------- why us ---------- */
.why-grid{display:grid;grid-template-columns:.94fr 1.06fr;gap:60px;align-items:center}
.why-visual{position:relative}
.why-visual .why-frame{position:relative;border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:5/4}
.why-visual .why-frame img{width:100%;height:100%;object-fit:cover}
.why-visual .hero-frame-offset{transform:translate(-16px,16px)}
.why-chip{
  position:absolute;left:-22px;bottom:34px;background:var(--navy);color:#fff;border-radius:12px;
  padding:14px 18px;box-shadow:var(--shadow-lg);max-width:250px;
  animation:floaty 7s ease-in-out infinite alternate;
}
.why-chip strong{display:block;font-family:var(--font-display);font-size:1.5rem;color:var(--gold);line-height:1.15}
.why-chip span{font-size:.78rem;color:#B9C6D6}
.why-list{display:flex;flex-direction:column;gap:26px;margin-top:34px}
.why-item{display:flex;gap:16px}
.why-check{
  width:30px;height:30px;border-radius:8px;background:var(--navy);color:var(--gold);
  display:flex;align-items:center;justify-content:center;flex:0 0 auto;margin-top:2px;
}
.why-item h3{font-size:1.05rem;font-weight:700;color:var(--navy);margin-bottom:4px}
.why-item p{font-size:.93rem;color:var(--muted)}

/* ---------- testimonials ---------- */
.testis{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.tst-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tst-card{
  background:var(--cream);border:1px solid var(--line);border-radius:var(--r);
  padding:30px 26px;position:relative;transition:transform .3s ease, box-shadow .3s ease;
}
.tst-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.tst-card:nth-child(2){transform:translateY(18px)}
.tst-card:nth-child(2):hover{transform:translateY(13px)}
.tst-mark{font-family:var(--font-display);font-size:3.2rem;line-height:.6;color:var(--gold);display:block;margin-bottom:18px}
.tst-card blockquote{font-size:.95rem;color:var(--ink);line-height:1.7}
.tst-who{margin-top:20px;display:flex;align-items:center;gap:12px}
.tst-avatar{
  width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.9rem;flex:0 0 auto;
}
.tst-who strong{display:block;font-size:.92rem;color:var(--navy)}
.tst-who span{font-size:.78rem;color:var(--muted)}

/* ---------- CTA band ---------- */
.cta-band{background:var(--navy);position:relative;overflow:hidden;color:#fff}
.cta-band::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(560px 300px at 88% 10%, rgba(201,153,46,.22), transparent 65%),
    radial-gradient(420px 260px at 4% 100%, rgba(255,255,255,.05), transparent 60%);
}
.cta-in{position:relative;display:flex;justify-content:space-between;align-items:center;gap:40px;padding:64px 0;flex-wrap:wrap}
.cta-in h2{font-family:var(--font-display);font-weight:600;font-size:clamp(1.7rem,3vw,2.35rem);line-height:1.18;max-width:26ch}
.cta-in p{color:#B9C6D6;margin-top:12px;max-width:34rem;font-size:.97rem}
.cta-actions{display:flex;flex-direction:column;gap:14px;align-items:flex-start}
.cta-phone{color:#C8D4E2;font-size:.92rem;display:flex;align-items:center;gap:9px}
.cta-phone a{color:#fff;font-weight:700;border-bottom:1.5px solid var(--gold)}
.cta-fineprint{font-size:.76rem;color:#8FA1B5;max-width:26rem;margin-top:6px}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:start}
.c-info{display:flex;flex-direction:column}
.c-item{
  display:flex;gap:16px;padding:20px 0;border-bottom:1px solid var(--line);
}
.c-item:first-child{padding-top:0}
.c-item:last-child{border-bottom:0;padding-bottom:0}
.c-icon{
  width:46px;height:46px;border-radius:12px;background:var(--navy);color:var(--gold);
  display:flex;align-items:center;justify-content:center;flex:0 0 auto;
}
.c-item h3{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-2);margin-bottom:4px}
.c-item .c-val{font-size:1.02rem;font-weight:600;color:var(--navy)}
.c-item .c-val a:hover{color:var(--gold-2)}
.c-item p{font-size:.85rem;color:var(--muted);margin-top:3px}
.c-maps{
  display:inline-flex;align-items:center;gap:8px;margin-top:8px;font-size:.83rem;font-weight:600;
  color:var(--navy);border:1.5px solid var(--navy);padding:8px 14px;border-radius:8px;transition:all .25s;
}
.c-maps:hover{background:var(--navy);color:#fff}

.form-card{
  background:var(--paper);border:1px solid var(--line);border-radius:16px;
  padding:34px 32px;box-shadow:var(--shadow);
}
.form-card h3{font-family:var(--font-display);font-size:1.4rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.form-card .form-sub{font-size:.9rem;color:var(--muted);margin-bottom:24px}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.f-group{margin-bottom:16px}
.f-group label{display:block;font-size:.82rem;font-weight:700;color:var(--navy);margin-bottom:7px}
.f-group label span{color:var(--red)}
.f-group input,.f-group select,.f-group textarea{
  width:100%;font-family:inherit;font-size:.95rem;color:var(--ink);
  background:var(--cream);border:1.5px solid var(--line-2);border-radius:10px;
  padding:12px 14px;transition:border-color .25s, box-shadow .25s, background .25s;
}
.f-group textarea{resize:vertical;min-height:120px}
.f-group input:focus,.f-group select:focus,.f-group textarea:focus{
  outline:none;border-color:var(--gold);background:#fff;box-shadow:0 0 0 3px rgba(201,153,46,.18);
}
.f-submit{width:100%;padding:15px}
.form-alt{margin-top:16px;font-size:.84rem;color:var(--muted);text-align:center}
.form-alt a{color:var(--navy);font-weight:600;border-bottom:1.5px solid var(--gold)}
.form-status{display:none;margin-top:16px;padding:13px 16px;border-radius:10px;font-size:.9rem;line-height:1.5}
.form-status.show{display:block;animation:fadeUp .45s ease both}
.form-status.ok{background:#E9F4EC;border:1px solid #BCDCC4;color:#22552F}
.form-status.err{background:#FBEDE9;border:1px solid #EBC3B8;color:#7C3323}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

/* ---------- footer ---------- */
.footer{background:var(--navy-2);color:#B9C6D6;font-size:.9rem}
.footer-in{padding:64px 0 0}
.f-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.25fr;gap:40px;padding-bottom:48px}
.f-brand .brand-text strong{color:#fff}
.f-brand p{margin-top:16px;font-size:.88rem;line-height:1.7;max-width:30rem}
.f-col h4{
  font-size:.76rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold);margin-bottom:18px;
}
.f-col ul{display:flex;flex-direction:column;gap:11px}
.f-col a{transition:color .2s}
.f-col a:hover{color:#fff}
.f-contact li{display:flex;gap:10px;align-items:flex-start;margin-bottom:13px}
.f-contact svg{flex:0 0 auto;margin-top:3px;color:var(--gold)}
.f-contact a:hover{color:#fff}
.f-disclaimer{
  border-left:3px solid var(--gold);background:rgba(255,255,255,.045);
  padding:20px 22px;border-radius:0 10px 10px 0;margin-bottom:44px;
}
.f-disclaimer strong{display:block;color:#fff;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px}
.f-disclaimer p{font-size:.8rem;line-height:1.7;color:#9FB1C4}
.f-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;font-size:.8rem;color:#8FA1B5}
.f-bottom .f-legal{display:flex;gap:22px}
.f-bottom a:hover{color:#fff}

/* ---------- mobile sticky call bar ---------- */
.callbar{
  position:fixed;left:0;right:0;bottom:0;z-index:120;display:none;
  padding:10px 12px calc(10px + env(safe-area-inset-bottom));
  background:rgba(11,31,56,.96);backdrop-filter:blur(8px);
  border-top:1px solid rgba(255,255,255,.1);
}
.callbtn{
  display:flex;align-items:center;justify-content:center;gap:11px;width:100%;
  background:var(--gold);color:var(--navy-2);border-radius:12px;
  font-size:1.08rem;font-weight:800;letter-spacing:.01em;padding:15px 10px;
  box-shadow:0 8px 22px rgba(201,153,46,.4);
  transition:transform .2s, box-shadow .2s, background .2s;
}
.callbtn:active{transform:scale(.985)}
.callbtn .cb-top{font-size:.68rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;opacity:.75;line-height:1;display:block}
.callbtn .cb-main{display:flex;align-items:center;gap:10px;line-height:1.1}

/* ---------- page hero (inner pages) ---------- */
.page-hero{
  background:var(--navy);color:#fff;padding:76px 0 64px;position:relative;overflow:hidden;
}
.page-hero::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(640px 300px at 90% 0%, rgba(201,153,46,.2), transparent 65%);
}
.page-hero .container{position:relative}
.page-hero .eyebrow{color:var(--gold)}
.page-hero h1{
  font-family:var(--font-display);font-weight:600;font-size:clamp(2rem,4vw,3rem);
  line-height:1.12;margin-top:16px;max-width:24ch;
}
.page-hero p{color:#B9C6D6;margin-top:14px;max-width:40rem;font-size:1rem}

/* ---------- about sections ---------- */
.story-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.story-grid h2{font-family:var(--font-display);font-weight:600;font-size:clamp(1.8rem,3vw,2.4rem);color:var(--navy);line-height:1.15;margin-bottom:18px}
.story-grid .story-img{position:relative}
.story-grid .story-img .story-frame{position:relative;border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3}
.story-grid .story-frame img{width:100%;height:100%;object-fit:cover}
.approach-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.approach-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:28px 26px;transition:transform .3s,box-shadow .3s,border-color .3s}
.approach-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--gold)}
.approach-card .svc-icon{margin-bottom:16px}
.approach-card h3{font-family:var(--font-display);font-weight:600;font-size:1.16rem;color:var(--navy);margin-bottom:8px}
.approach-card p{font-size:.92rem;color:var(--muted)}
.serve-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.serve-card{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:22px 20px;text-align:left}
.serve-card .serve-ic{width:42px;height:42px;border-radius:10px;background:var(--gold-soft);color:var(--gold-2);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.serve-card h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:5px}
.serve-card p{font-size:.85rem;color:var(--muted)}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.team-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px 26px;text-align:center;transition:transform .3s,box-shadow .3s}
.team-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.team-avatar{
  width:74px;height:74px;border-radius:50%;margin:0 auto 16px;
  background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-size:1.5rem;font-weight:600;
  border:2px solid var(--gold-soft);
}
.team-card h3{font-family:var(--font-display);font-weight:600;font-size:1.18rem;color:var(--navy)}
.team-card .role{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-2);margin:4px 0 10px}
.team-card p{font-size:.87rem;color:var(--muted)}
.team-note{margin-top:26px;font-size:.83rem;color:var(--muted);text-align:center}

/* ---------- legal pages ---------- */
.legal{background:var(--paper)}
.legal-wrap{max-width:820px;margin:0 auto}
.legal-meta{font-size:.85rem;color:var(--muted);margin-bottom:36px;padding-bottom:22px;border-bottom:1px solid var(--line)}
.legal h2{
  font-family:var(--font-display);font-weight:600;font-size:1.5rem;color:var(--navy);
  margin:44px 0 14px;
}
.legal h2:first-of-type{margin-top:0}
.legal p{color:#33445A;font-size:.96rem;margin-bottom:14px}
.legal ul{margin:0 0 16px 20px}
.legal li{color:#33445A;font-size:.96rem;margin-bottom:9px;list-style:disc}
.legal .legal-contact{
  background:var(--cream);border:1px solid var(--line);border-left:3px solid var(--gold);
  border-radius:10px;padding:22px 24px;margin-top:40px;font-size:.92rem;
}
.legal .legal-contact a{font-weight:600;color:var(--navy);border-bottom:1.5px solid var(--gold)}

/* ---------- reveal animations ---------- */
html.js .rv{opacity:0;transform:translateY(24px);transition:opacity .75s cubic-bezier(.2,.6,.2,1),transform .75s cubic-bezier(.2,.6,.2,1);transition-delay:var(--d,0s)}
html.js .rv.in{opacity:1;transform:none}
html.js .rv-left{opacity:0;transform:translateX(-28px);transition:opacity .8s ease,transform .8s ease;transition-delay:var(--d,0s)}
html.js .rv-left.in{opacity:1;transform:none}
html.js .rv-right{opacity:0;transform:translateX(28px);transition:opacity .8s ease,transform .8s ease;transition-delay:var(--d,0s)}
html.js .rv-right.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media (max-width:1080px){
  .svc-grid{grid-template-columns:repeat(2,1fr)}
  .proc-grid{grid-template-columns:repeat(2,1fr);gap:36px 26px}
  .proc-item::after{display:none}
  .f-grid{grid-template-columns:1fr 1fr}
}

@media (max-width:920px){
  .hero-in{grid-template-columns:1fr;gap:44px}
  .hero{padding:44px 0 64px}
  .hero-visual{max-width:520px}
  .fc-1{left:-8px}
  .fc-2{right:-8px}
  .why-grid,.story-grid,.contact-grid{grid-template-columns:1fr;gap:44px}
  .why-chip{left:10px;bottom:-22px}
  .sec-head{flex-direction:column;align-items:flex-start;gap:12px}
  .stats-in{grid-template-columns:repeat(2,1fr);gap:32px 16px}
  .stat + .stat::before{display:none}
  .tst-grid{grid-template-columns:1fr;max-width:600px;margin:0 auto}
  .tst-card:nth-child(2){transform:none}
  .tst-card:nth-child(2):hover{transform:translateY(-5px)}
  .serve-grid{grid-template-columns:repeat(2,1fr)}
  .team-grid{grid-template-columns:1fr;max-width:480px;margin:0 auto}
}

@media (max-width:820px){
  .callbar{display:block}
  body{padding-bottom:86px}
  .nav{
    position:fixed;top:0;right:0;height:100vh;width:min(320px,84vw);
    background:var(--paper);flex-direction:column;align-items:flex-start;
    padding:96px 30px 30px;gap:20px;box-shadow:-18px 0 44px rgba(14,42,71,.2);
    transform:translateX(105%);transition:transform .38s cubic-bezier(.2,.7,.2,1);
    z-index:150;
  }
  .nav.open{transform:none}
  .nav > a:not(.btn){font-size:1.05rem;width:100%}
  .nav-cta{width:100%;margin-top:10px}
  .burger{display:flex;position:relative;z-index:160}
  .topbar{display:none}
  html{scroll-padding-top:84px}
}

@media (max-width:560px){
  .section{padding:64px 0}
  .svc-grid,.approach-grid,.f-row{grid-template-columns:1fr}
  .proc-grid{grid-template-columns:1fr;gap:30px}
  .serve-grid{grid-template-columns:1fr}
  .f-grid{grid-template-columns:1fr;gap:32px}
  .f-bottom{flex-direction:column;align-items:flex-start}
  .cta-in{flex-direction:column;align-items:flex-start}
  .hero-actions .btn{width:100%}
  .form-card{padding:26px 20px}
  .hero-frame-offset,.why-visual .hero-frame-offset{transform:translate(10px,10px)}
  .float-card{padding:10px 12px}
  .float-card strong{font-size:.85rem}
  .float-card span{font-size:.7rem}
  .brand-text strong{font-size:.98rem}
}

/* ---------- reduced motion ---------- */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001s !important;animation-iteration-count:1 !important;transition-duration:.001s !important}
  html.js .rv,html.js .rv-left,html.js .rv-right{opacity:1;transform:none}
}