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

:root {
    --navy: #1e3a5f;
    --navy-light: #2a4f7a;
    --navy-dark: #152a45;
    --gold: #c9a227;
    --gold-light: #e0b84a;
    --gold-pale: #f5e6a3;
    --cream: #faf8f4;
    --white: #ffffff;
    --gray-50: #f9fafb;
    --gray-100: #f3f4f6;
    --gray-200: #e5e7eb;
    --gray-300: #d1d5db;
    --gray-400: #9ca3af;
    --gray-500: #6b7280;
    --gray-600: #4b5563;
    --gray-700: #374151;
    --gray-800: #1f2937;
    --gray-900: #111827;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-display: 'Playfair Display', Georgia, serif;
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --shadow-sm: 0 1px 3px rgba(30, 58, 95, 0.06);
    --shadow-md: 0 4px 20px rgba(30, 58, 95, 0.08);
    --shadow-lg: 0 12px 40px rgba(30, 58, 95, 0.12);
    --shadow-xl: 0 20px 60px rgba(30, 58, 95, 0.15);
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

body {
    font-family: var(--font-body);
    color: var(--gray-800);
    background: var(--cream);
    line-height: 1.7;
    font-weight: 300;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

.page-wrapper {
    min-height: 100vh;
    overflow-x: hidden;
}

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

/* ─── NAVBAR ─── */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(250, 248, 244, 0.85);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(30, 58, 95, 0.06);
    transition: var(--transition);
}

.navbar.scrolled {
    background: rgba(250, 248, 244, 0.95);
    box-shadow: var(--shadow-sm);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    color: var(--navy);
    font-weight: 600;
    font-size: 0.95rem;
    letter-spacing: -0.01em;
}

.nav-logo-icon {
    color: var(--navy);
}

.nav-logo-text {
    font-weight: 500;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
    list-style: none;
}

.nav-links a {
    text-decoration: none;
    color: var(--gray-600);
    font-size: 0.875rem;
    font-weight: 400;
    letter-spacing: 0.01em;
    transition: var(--transition);
    position: relative;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 1.5px;
    background: var(--gold);
    transition: var(--transition);
}

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

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

.nav-cta {
    background: var(--navy);
    color: var(--white) !important;
    padding: 10px 22px;
    border-radius: 100px;
    font-weight: 500 !important;
    font-size: 0.85rem !important;
    letter-spacing: 0.02em !important;
    transition: var(--transition) !important;
}

.nav-cta::after {
    display: none !important;
}

.nav-cta:hover {
    background: var(--navy-light) !important;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(30, 58, 95, 0.25);
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.nav-toggle-line {
    width: 22px;
    height: 1.5px;
    background: var(--navy);
    transition: var(--transition);
    transform-origin: center;
}

.nav-toggle.active .nav-toggle-line:nth-child(1) {
    transform: rotate(45deg) translate(4px, 4px);
}

.nav-toggle.active .nav-toggle-line:nth-child(2) {
    opacity: 0;
}

.nav-toggle.active .nav-toggle-line:nth-child(3) {
    transform: rotate(-45deg) translate(4px, -4px);
}

/* ─── HERO ─── */
.hero {
    padding: 140px 0 80px;
    position: relative;
    overflow: hidden;
    background: var(--cream);
}

.hero-bg-pattern {
    position: absolute;
    inset: 0;
    background-image: 
        radial-gradient(ellipse 80% 60% at 70% 40%, rgba(201, 162, 39, 0.06) 0%, transparent 60%),
        radial-gradient(ellipse 60% 80% at 20% 80%, rgba(30, 58, 95, 0.04) 0%, transparent 50%);
    pointer-events: none;
}

.hero-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 18px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 100px;
    font-size: 0.8rem;
    font-weight: 500;
    color: var(--gray-600);
    letter-spacing: 0.04em;
    text-transform: uppercase;
    margin-bottom: 28px;
    animation: fadeInUp 0.8s ease both;
}

.hero-badge-dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--gold);
}

.hero-headline {
    font-family: var(--font-display);
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 400;
    line-height: 1.15;
    color: var(--navy);
    margin-bottom: 24px;
    letter-spacing: -0.02em;
}

.headline-line {
    display: block;
}

.headline-accent {
    display: block;
    font-style: italic;
    color: var(--gold);
    font-size: 0.85em;
}

.hero-subheadline {
    font-size: 1.1rem;
    color: var(--gray-500);
    line-height: 1.8;
    max-width: 480px;
    margin-bottom: 36px;
    font-weight: 300;
    animation: fadeInUp 0.8s 0.2s ease both;
}

.hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    animation: fadeInUp 0.8s 0.3s ease both;
}

.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: 100px;
    font-size: 0.9rem;
    font-weight: 500;
    text-decoration: none;
    cursor: pointer;
    border: none;
    transition: var(--transition);
    letter-spacing: 0.01em;
}

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

.btn-primary:hover {
    background: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-ghost {
    background: transparent;
    color: var(--navy);
    border: 1.5px solid var(--gray-200);
}

.btn-ghost:hover {
    border-color: var(--navy);
    background: var(--white);
    transform: translateY(-2px);
}

.btn-gold {
    background: var(--gold);
    color: var(--navy-dark);
    font-weight: 600;
}

.btn-gold:hover {
    background: var(--gold-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(201, 162, 39, 0.3);
}

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

/* Hero Visual */
.hero-visual {
    position: relative;
    animation: fadeInUp 0.8s 0.4s ease both;
}

.hero-image-card {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
}

.hero-image-card img {
    display: block;
    width: 100%;
    height: auto;
    object-fit: cover;
}

.hero-image-accent {
    position: absolute;
    bottom: -20px;
    right: -20px;
    width: 120px;
    height: 120px;
    background: var(--gold);
    border-radius: var(--radius-lg);
    z-index: -1;
    opacity: 0.3;
}

/* Floating Cards */
.floating-cards {
    position: absolute;
    inset: 0;
    pointer-events: none;
}

.float-card {
    position: absolute;
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 16px 20px;
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 12px;
    pointer-events: auto;
    border: 1px solid rgba(30, 58, 95, 0.06);
}

.float-card--1 {
    top: 10%;
    left: -40px;
    animation: float 6s ease-in-out infinite;
}

.float-card--2 {
    bottom: 25%;
    left: -50px;
    animation: float 6s 1s ease-in-out infinite;
}

.float-card--3 {
    bottom: 5%;
    right: -30px;
    animation: float 6s 2s ease-in-out infinite;
}

.float-card-icon {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-sm);
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    flex-shrink: 0;
}

.float-card-text {
    display: flex;
    flex-direction: column;
}

.float-card-number {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--navy);
    letter-spacing: -0.01em;
}

.float-card-label {
    font-size: 0.75rem;
    color: var(--gray-500);
    font-weight: 400;
}

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

.hero-divider::after {
    content: '';
    display: block;
    width: 100%;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gray-200), transparent);
}

/* ─── SERVICES ─── */
.services {
    padding: 100px 0;
    background: var(--white);
}

.section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 16px;
}

.section-label::before {
    content: '';
    width: 24px;
    height: 1.5px;
    background: var(--gold);
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 400;
    color: var(--navy);
    line-height: 1.2;
    letter-spacing: -0.02em;
    margin-bottom: 16px;
}

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

.section-subtitle {
    font-size: 1.05rem;
    color: var(--gray-500);
    max-width: 560px;
    line-height: 1.8;
    font-weight: 300;
    margin-bottom: 56px;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.service-card {
    padding: 36px;
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-100);
    background: var(--cream);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

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

.service-card:hover {
    border-color: transparent;
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
    background: var(--white);
}

.service-card:hover::before {
    transform: scaleX(1);
}

.service-icon {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-sm);
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    margin-bottom: 20px;
}

.service-card h3 {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 10px;
    letter-spacing: -0.01em;
}

.service-card p {
    font-size: 0.9rem;
    color: var(--gray-500);
    line-height: 1.7;
    margin-bottom: 20px;
    font-weight: 300;
}

.service-link {
    font-size: 0.85rem;
    font-weight: 500;
    color: var(--navy);
    text-decoration: none;
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

.service-link:hover {
    color: var(--gold);
    gap: 8px;
}

/* ─── TRUST BAR ─── */
.trust-bar {
    padding: 48px 0;
    background: var(--navy);
}

.trust-items {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 48px;
    flex-wrap: wrap;
}

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

.trust-number {
    font-family: var(--font-display);
    font-size: 1.75rem;
    font-weight: 600;
    color: var(--gold);
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.trust-label {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.6);
    font-weight: 400;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    margin-top: 4px;
}

.trust-separator {
    width: 1px;
    height: 40px;
    background: rgba(255, 255, 255, 0.15);
}

/* ─── ABOUT ─── */
.about {
    padding: 100px 0;
    background: var(--cream);
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.about-images {
    position: relative;
}

.about-img-main {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.about-img-main img {
    display: block;
    width: 100%;
    height: auto;
    object-fit: cover;
}

.about-img-secondary {
    position: absolute;
    bottom: -40px;
    right: -40px;
    width: 55%;
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
    border: 4px solid var(--cream);
}

.about-img-secondary img {
    display: block;
    width: 100%;
    height: auto;
    object-fit: cover;
}

.about-img-accent {
    position: absolute;
    top: -20px;
    left: -20px;
    width: 100px;
    height: 100px;
    border: 2px solid var(--gold);
    border-radius: var(--radius-md);
    opacity: 0.4;
    z-index: -1;
}

.about-content .section-subtitle {
    margin-bottom: 24px;
}

.about-text {
    font-size: 1rem;
    color: var(--gray-600);
    line-height: 1.85;
    margin-bottom: 16px;
    font-weight: 300;
}

.about-values {
    margin: 32px 0 36px;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.value-item {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 0.95rem;
    color: var(--gray-700);
    font-weight: 400;
}

.value-line {
    width: 24px;
    height: 1.5px;
    background: var(--gold);
    flex-shrink: 0;
}

/* ─── APPROACH ─── */
.approach {
    padding: 100px 0;
    background: var(--white);
}

.approach-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.approach-steps {
    display: flex;
    flex-direction: column;
    gap: 0;
    margin-top: 48px;
}

.approach-step {
    display: flex;
    gap: 24px;
    padding: 24px 0;
    border-bottom: 1px solid var(--gray-100);
    transition: var(--transition);
}

.approach-step:first-child {
    border-top: 1px solid var(--gray-100);
}

.approach-step:hover {
    padding-left: 12px;
}

.step-number {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--gold);
    line-height: 1.4;
    min-width: 40px;
}

.step-content h3 {
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 6px;
    letter-spacing: -0.01em;
}

.step-content p {
    font-size: 0.9rem;
    color: var(--gray-500);
    line-height: 1.7;
    font-weight: 300;
}

.approach-visual {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    position: relative;
}

.approach-visual img {
    display: block;
    width: 100%;
    height: auto;
    object-fit: cover;
}

.approach-visual::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(30, 58, 95, 0.05) 0%, transparent 60%);
    pointer-events: none;
}

/* ─── INSURANCE ─── */
.insurance {
    padding: 100px 0;
    background: var(--cream);
}

.insurance-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.insurance-text {
    font-size: 1rem;
    color: var(--gray-500);
    line-height: 1.85;
    margin-bottom: 32px;
    font-weight: 300;
}

.insurance-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 40px;
}

.insurance-list li {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 0.95rem;
    color: var(--gray-700);
    font-weight: 400;
}

.insurance-list li svg {
    color: var(--gold);
    flex-shrink: 0;
}

.insurance-cta {
    position: relative;
}

.insurance-cta-card {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    border-radius: var(--radius-lg);
    padding: 48px;
    color: var(--white);
    position: relative;
    overflow: hidden;
}

.insurance-cta-card::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -30%;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: rgba(201, 162, 39, 0.08);
    pointer-events: none;
}

.cta-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-sm);
    background: rgba(201, 162, 39, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    margin-bottom: 24px;
}

.insurance-cta-card h3 {
    font-family: var(--font-display);
    font-size: 1.75rem;
    font-weight: 400;
    margin-bottom: 12px;
    color: var(--white);
    letter-spacing: -0.02em;
}

.insurance-cta-card p {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.7;
    margin-bottom: 28px;
    font-weight: 300;
}

.insurance-cta-card a {
    color: var(--gold);
    text-decoration: none;
    font-weight: 500;
}

.insurance-cta-card a:hover {
    text-decoration: underline;
}

/* ─── CONTACT ─── */
.contact {
    padding: 100px 0;
    background: var(--white);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
}

.contact-text {
    font-size: 1rem;
    color: var(--gray-500);
    line-height: 1.85;
    margin-bottom: 40px;
    font-weight: 300;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 28px;
}

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

.contact-detail-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-sm);
    background: var(--cream);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy);
    flex-shrink: 0;
}

.contact-detail-label {
    display: block;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gray-400);
    margin-bottom: 4px;
}

.contact-detail-value {
    display: block;
    font-size: 0.95rem;
    color: var(--gray-700);
    line-height: 1.6;
    font-weight: 400;
}

.contact-detail a {
    color: var(--gray-700);
    text-decoration: none;
    transition: var(--transition);
}

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

/* Contact Form */
.contact-form-wrapper {
    background: var(--cream);
    border-radius: var(--radius-lg);
    padding: 44px;
    border: 1px solid var(--gray-100);
}

.form-title {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 400;
    color: var(--navy);
    margin-bottom: 6px;
    letter-spacing: -0.02em;
}

.form-subtitle {
    font-size: 0.9rem;
    color: var(--gray-500);
    margin-bottom: 28px;
    font-weight: 300;
}

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

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

.form-group label {
    display: block;
    font-size: 0.8rem;
    font-weight: 500;
    color: var(--gray-600);
    margin-bottom: 6px;
    letter-spacing: 0.02em;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.9rem;
    color: var(--gray-800);
    background: var(--white);
    transition: var(--transition);
    font-weight: 300;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(30, 58, 95, 0.08);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--gray-400);
}

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

.form-success {
    display: none;
    text-align: center;
    padding: 40px 20px;
}

.form-success.show {
    display: block;
    animation: fadeInUp 0.5s ease;
}

.success-icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    color: var(--gold);
}

.form-success h4 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    color: var(--navy);
    margin-bottom: 8px;
}

.form-success p {
    font-size: 0.9rem;
    color: var(--gray-500);
    line-height: 1.7;
    font-weight: 300;
}

/* ─── FOOTER ─── */
.footer {
    padding: 64px 0 0;
    background: var(--navy-dark);
    color: var(--white);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 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;
    text-decoration: none;
    color: var(--white);
    font-weight: 600;
    font-size: 0.95rem;
    margin-bottom: 14px;
}

.footer-logo svg {
    color: var(--white);
}

.footer-tagline {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.5);
    line-height: 1.7;
    max-width: 280px;
    font-weight: 300;
}

.footer-links h4,
.footer-contact h4 {
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 18px;
}

.footer-links ul,
.footer-contact ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.footer-links a,
.footer-contact a {
    color: rgba(255, 255, 255, 0.55);
    text-decoration: none;
    font-size: 0.9rem;
    font-weight: 300;
    transition: var(--transition);
}

.footer-links a:hover,
.footer-contact a:hover {
    color: var(--white);
}

.footer-contact li {
    color: rgba(255, 255, 255, 0.55);
    font-size: 0.9rem;
    font-weight: 300;
    line-height: 1.7;
}

.footer-bottom {
    padding: 24px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
}

.footer-bottom p {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.35);
    font-weight: 300;
}

.footer-legal {
    font-size: 0.75rem !important;
}

/* ─── ANIMATIONS ─── */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(24px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

/* Scroll reveal */
.reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.7s ease, transform 0.7s ease;
}

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

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
    .hero-container {
        gap: 40px;
    }

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

    .about-grid,
    .approach-inner,
    .insurance-inner,
    .contact-grid {
        gap: 48px;
    }

    .float-card--1 { left: -20px; }
    .float-card--2 { left: -20px; }
    .float-card--3 { right: -10px; }
}

@media (max-width: 768px) {
    .nav-links {
        position: fixed;
        top: 72px;
        left: 0;
        right: 0;
        background: rgba(250, 248, 244, 0.98);
        backdrop-filter: blur(20px);
        flex-direction: column;
        padding: 32px 24px;
        gap: 20px;
        border-bottom: 1px solid var(--gray-100);
        transform: translateY(-120%);
        transition: var(--transition);
        box-shadow: var(--shadow-md);
    }

    .nav-links.open {
        transform: translateY(0);
    }

    .nav-toggle {
        display: flex;
    }

    .hero {
        padding: 120px 0 60px;
    }

    .hero-container {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .hero-visual {
        order: -1;
        max-width: 400px;
        margin: 0 auto;
    }

    .floating-cards {
        display: none;
    }

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

    .trust-items {
        gap: 28px;
    }

    .trust-separator {
        display: none;
    }

    .trust-items {
        flex-direction: column;
        gap: 24px;
    }

    .about-grid,
    .approach-inner,
    .insurance-inner,
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .about-img-secondary {
        position: relative;
        bottom: auto;
        right: auto;
        width: 100%;
        margin-top: -30px;
        border: none;
    }

    .about-img-accent {
        display: none;
    }

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

    .contact-form-wrapper {
        padding: 28px;
    }

    .insurance-cta-card {
        padding: 32px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

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

@media (max-width: 480px) {
    .hero-headline {
        font-size: 2rem;
    }

    .hero-actions {
        flex-direction: column;
    }

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

    .section-title {
        font-size: 1.75rem;
    }

    .service-card {
        padding: 24px;
    }
}