/* =========================================================
   FOREVER FAMILY INSURANCE — premium financial-services theme
   Navy + warm gold + off-white. Editorial serif + clean sans.
   ========================================================= */

:root{
  --navy-900:#071528;
  --navy:#0B1F3A;
  --navy-700:#12335c;
  --blue:#1E5AA8;
  --gold:#C8A24B;
  --gold-soft:#E4CB8E;
  --cream:#F7F5F0;
  --paper:#FFFFFF;
  --ink:#1A2536;
  --muted:#5C6B7E;
  --line:#E7E3DA;
  --radius:18px;
  --radius-sm:12px;
  --shadow-sm:0 4px 18px rgba(11,31,58,.08);
  --shadow-md:0 18px 50px rgba(11,31,58,.14);
  --shadow-lg:0 40px 90px rgba(7,21,40,.28);
  --maxw:1180px;
  --serif:"Fraunces",Georgia,serif;
  --sans:"Inter",system-ui,-apple-system,sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{
  font-family:var(--sans);
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
em{font-style:italic}

.container{width:min(var(--maxw),92%);margin-inline:auto}

/* ---------- typography ---------- */
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.12;letter-spacing:-.01em;color:var(--navy)}
h1{font-size:clamp(2.4rem,5.2vw,4rem);font-weight:600}
h2{font-size:clamp(1.9rem,3.6vw,2.9rem)}
h3{font-size:1.3rem}
.kicker{
  display:inline-block;font-family:var(--sans);font-weight:600;
  font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;
  color:var(--blue);margin-bottom:14px;
}
.kicker.light{color:var(--gold-soft)}
.eyebrow{
  display:inline-block;font-weight:600;font-size:.8rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gold-soft);margin-bottom:18px;
  padding:7px 16px;border:1px solid rgba(200,162,75,.4);border-radius:100px;
}

/* ---------- keyboard focus (accessibility) ---------- */
a:focus-visible,
button:focus-visible,
summary:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible{
  outline:2px solid var(--blue);
  outline-offset:3px;
  border-radius:4px;
}
/* gold ring reads better than blue on navy/dark surfaces */
.site-header a:focus-visible,
.hero a:focus-visible,
.why a:focus-visible,
.contact a:focus-visible,
.site-footer a:focus-visible,
.mobile-menu a:focus-visible,
.mobile-bar a:focus-visible,
.service-card.featured a:focus-visible{
  outline-color:var(--gold-soft);
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--sans);font-weight:600;font-size:.95rem;
  padding:13px 26px;border-radius:100px;border:1px solid transparent;
  cursor:pointer;transition:transform .25s ease,box-shadow .25s ease,background .25s ease,color .25s ease;
  white-space:nowrap;
}
.btn-lg{padding:16px 34px;font-size:1rem}
.btn-block{width:100%}
.btn-primary{background:var(--gold);color:var(--navy-900);box-shadow:0 10px 26px rgba(200,162,75,.35)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(200,162,75,.45);background:var(--gold-soft)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-ghost:hover{background:rgba(255,255,255,.12);border-color:#fff}

/* ---------- header ---------- */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:100;
  padding:18px 0;transition:padding .3s ease,background .3s ease,box-shadow .3s ease;
}
.site-header.scrolled{
  background:rgba(255,255,255,.92);backdrop-filter:blur(14px);
  box-shadow:0 2px 24px rgba(11,31,58,.08);padding:12px 0;
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}

.brand{display:flex;align-items:center;gap:12px}
.brand-logo{height:38px;width:auto;display:block;transition:opacity .2s}
.brand-logo-dark{display:none}
.site-header.scrolled .brand-logo-light{display:none}
.site-header.scrolled .brand-logo-dark{display:block}

.nav{display:flex;gap:30px}
.nav a{font-weight:500;font-size:.95rem;color:rgba(255,255,255,.9);position:relative;transition:color .2s}
.site-header.scrolled .nav a{color:var(--ink)}
.nav a::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--gold);transition:width .25s}
.nav a:hover{color:var(--gold)}
.site-header.scrolled .nav a:hover{color:var(--blue)}
.nav a:hover::after{width:100%}

.nav-item{position:relative}
.nav-item.has-dropdown > a{display:inline-flex;align-items:center;gap:5px}
.nav-item.has-dropdown > a::before{
  content:"";width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;
  transform:rotate(45deg) translateY(-2px);transition:transform .2s;
}
.nav-item.has-dropdown:hover > a::before,
.nav-item.has-dropdown:focus-within > a::before{transform:rotate(-135deg) translateY(1px)}
/* The outer .nav-dropdown is the real hoverable hit-box. It sits flush
   against the trigger link (top:100%, no transform/gap) and uses
   padding-top as an invisible "bridge" instead — so the cursor never
   crosses a dead zone between the link and the menu and the dropdown
   can't close mid-transit. All visual styling (card, shadow, slide-in)
   lives on the inner wrapper, which is free to animate independently. */
.nav-dropdown{
  position:absolute;top:100%;left:50%;transform:translateX(-50%);
  padding-top:12px;min-width:210px;
  opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .2s ease,visibility .2s;
}
.nav-item.has-dropdown:hover .nav-dropdown,
.nav-item.has-dropdown:focus-within .nav-dropdown{
  opacity:1;visibility:visible;pointer-events:auto;
}
.nav-dropdown-inner{
  background:#fff;border-radius:14px;box-shadow:var(--shadow-md);padding:8px;
  transform:translateY(-6px);transition:transform .2s ease;
}
.nav-item.has-dropdown:hover .nav-dropdown-inner,
.nav-item.has-dropdown:focus-within .nav-dropdown-inner{
  transform:translateY(0);
}
.nav .nav-dropdown a{
  display:block;padding:11px 14px;border-radius:8px;color:var(--navy);font-size:.92rem;font-weight:500;
}
.nav .nav-dropdown a::after{display:none}
.nav .nav-dropdown a:hover{background:var(--cream);color:var(--blue)}

.header-cta{display:flex;align-items:center;gap:18px}
.header-phone{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:.92rem;color:#fff}
.site-header.scrolled .header-phone{color:var(--navy)}
.header-phone:hover{color:var(--gold)}

.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:6px}
.nav-toggle span{width:26px;height:2px;background:#fff;border-radius:2px;transition:.3s}
.site-header.scrolled .nav-toggle span{background:var(--navy)}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-menu{
  position:absolute;top:100%;left:0;right:0;background:var(--navy);
  display:flex;flex-direction:column;gap:4px;padding:12px 6% 26px;
  transform:translateY(-12px);opacity:0;visibility:hidden;pointer-events:none;transition:opacity .3s,transform .3s,visibility .3s;
}
.mobile-menu.open{transform:translateY(0);opacity:1;visibility:visible;pointer-events:auto}
.mobile-menu a{color:#fff;padding:13px 8px;border-bottom:1px solid rgba(255,255,255,.08);font-weight:500}
.mobile-menu .mobile-phone{color:var(--gold-soft);font-weight:600;border:0}
.mobile-menu .btn{margin-top:12px}
.mobile-submenu{display:flex;flex-direction:column;padding-left:16px;margin-left:8px;border-left:2px solid rgba(255,255,255,.12)}
.mobile-submenu a{padding:10px 8px;font-size:.88rem;font-weight:400;color:rgba(255,255,255,.72);border-bottom:0}

/* ---------- hero ---------- */
/* ---------- breadcrumb (service pages) ---------- */
.breadcrumb-bar{background:var(--navy);padding:128px 0 6px}
.breadcrumb-bar nav{display:flex;align-items:center;gap:8px;font-size:.85rem}
.breadcrumb-bar a{color:rgba(255,255,255,.7);transition:color .2s}
.breadcrumb-bar a:hover{color:var(--gold-soft)}
.breadcrumb-bar span{color:rgba(255,255,255,.3)}
.breadcrumb-bar span[aria-current]{color:rgba(255,255,255,.92);font-weight:500}

.hero{position:relative;padding:170px 0 90px;background:var(--navy);color:#fff;overflow:hidden}
.hero.sub-hero{padding:26px 0 84px}
.hero-bg{
  position:absolute;inset:-10%;z-index:0;
  background:
    radial-gradient(1100px 520px at 78% -8%,rgba(30,90,168,.55),transparent 60%),
    radial-gradient(760px 520px at 8% 108%,rgba(200,162,75,.18),transparent 60%),
    linear-gradient(160deg,var(--navy-900),var(--navy) 55%,#0d2547);
  animation:auroraDrift 26s ease-in-out infinite alternate;
  will-change:transform;
}
.hero-bg::after{
  content:"";position:absolute;inset:0;opacity:.5;
  background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);
  background-size:22px 22px;mask-image:linear-gradient(to bottom,#000,transparent 70%);
}
/* transform-driven (not background-position) so this is GPU-compositable
   instead of repainting the largest gradient on the page every frame */
@keyframes auroraDrift{
  0%{transform:translate3d(0,0,0)}
  100%{transform:translate3d(2.5%,1.8%,0)}
}
@media(prefers-reduced-motion:reduce){
  .hero-bg{animation:none}
}
.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.hero-copy h1{color:#fff;margin-bottom:22px}
.hero-sub{font-size:1.15rem;color:rgba(255,255,255,.82);max-width:34em;margin-bottom:34px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.hero-trust{display:flex;align-items:center;gap:12px;color:rgba(255,255,255,.75);font-size:.92rem}
.stars{color:var(--gold);letter-spacing:2px;font-size:1.05rem}

/* ---------- video hero variant (index-video-hero.html) ---------- */
.video-hero{padding:0;min-height:100vh;display:flex;align-items:center}
.hero-bg-video{
  position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;
  background:var(--navy);
}
.hero-video-overlay{
  position:absolute;inset:0;z-index:1;
  background:
    linear-gradient(100deg,rgba(7,21,40,.94) 0%,rgba(7,21,40,.82) 28%,rgba(11,31,58,.5) 52%,rgba(11,31,58,.2) 78%,rgba(11,31,58,.12) 100%),
    linear-gradient(to top,rgba(7,21,40,.6) 0%,transparent 24%);
}
.hero-inner--video{display:block;padding:150px 0 120px}
.hero-inner--video .hero-copy{max-width:640px}
.hero-video-badge{
  position:absolute;right:6%;bottom:56px;z-index:3;background:#fff;color:var(--navy);
  padding:16px 22px;border-radius:14px;box-shadow:var(--shadow-md);text-align:center;
}
.hero-video-badge strong{display:block;font-family:var(--serif);font-size:1.8rem;color:var(--blue);line-height:1}
.hero-video-badge span{font-size:.78rem;color:var(--muted);font-weight:500}
@media(max-width:760px){
  .video-hero{min-height:82vh}
  .hero-inner--video{padding:120px 0 90px}
  .hero-video-badge{right:5%;bottom:20px;padding:12px 16px}
  .hero-video-badge strong{font-size:1.4rem}
}

.hero-card{position:relative;transition:transform .3s ease-out}
/* static clipping frame — holds the rounded corners, border, and shadow so
   the Ken Burns zoom on the inner layer never spills past them */
.hero-photo-frame{
  aspect-ratio:4/4.4;border-radius:var(--radius);box-shadow:var(--shadow-lg);
  border:6px solid rgba(255,255,255,.08);
  overflow:hidden;position:relative;
}
.hero-photo{
  position:absolute;inset:0;
  background:linear-gradient(135deg,#2a4d7a,#12335c);
  background-image:url("https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=900&q=80");
  background-size:cover;background-position:center;
  animation:heroKenBurns 24s ease-in-out infinite alternate;
  will-change:transform;
}
@keyframes heroKenBurns{
  0%{transform:scale(1)}
  100%{transform:scale(1.09)}
}
@media(prefers-reduced-motion:reduce){
  .hero-photo{animation:none}
}
.hero-badge{
  position:absolute;left:-18px;bottom:26px;background:#fff;color:var(--navy);
  padding:16px 22px;border-radius:14px;box-shadow:var(--shadow-md);text-align:center;
}
.hero-badge strong{display:block;font-family:var(--serif);font-size:1.8rem;color:var(--blue);line-height:1}
.hero-badge span{font-size:.78rem;color:var(--muted);font-weight:500}

/* ---------- stats ---------- */
/* ---------- trust marquee ---------- */
.marquee{position:relative;background:var(--navy-900);overflow:hidden;padding:15px 0}
.marquee::before,.marquee::after{
  content:"";position:absolute;top:0;bottom:0;width:80px;z-index:2;pointer-events:none;
}
.marquee::before{left:0;background:linear-gradient(90deg,var(--navy-900),transparent)}
.marquee::after{right:0;background:linear-gradient(-90deg,var(--navy-900),transparent)}
.marquee-track{display:flex;width:max-content;animation:marqueeScroll 30s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee-item{
  display:flex;align-items:center;gap:10px;padding:0 36px;white-space:nowrap;
  font-size:.85rem;font-weight:600;letter-spacing:.02em;color:rgba(255,255,255,.68);
}
.marquee-item svg{color:var(--gold);flex:none}
@keyframes marqueeScroll{
  from{transform:translateX(0)}
  to{transform:translateX(-50%)}
}
@media(prefers-reduced-motion:reduce){
  .marquee-track{animation:none}
}

.stats{background:var(--cream);border-bottom:1px solid var(--line)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:44px 0}
.stat{text-align:center;position:relative}
.stat+.stat::before{content:"";position:absolute;left:-10px;top:50%;transform:translateY(-50%);height:44px;width:1px;background:var(--line)}
.stat strong{display:block;font-family:var(--serif);font-size:clamp(2rem,3.4vw,2.7rem);color:var(--navy);line-height:1}
.stat span{font-size:.9rem;color:var(--muted);font-weight:500}

/* ---------- section shell ---------- */
.section{padding:96px 0}
.section-head{max-width:640px;margin:0 auto 56px;text-align:center}
.section-head p{color:var(--muted);font-size:1.08rem;margin-top:14px}
.section-head.light h2,.section-head.light .kicker{color:#fff}
.section-head.light p{color:rgba(255,255,255,.75)}

/* ---------- cards grid ---------- */
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}

.services{background:var(--paper)}
.service-card{
  position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:36px 30px;box-shadow:var(--shadow-sm);transition:transform .3s,box-shadow .3s,border-color .3s;
  display:flex;flex-direction:column;
}
.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:var(--gold-soft)}
.service-card.featured{background:var(--navy);border-color:var(--navy)}
.service-card.featured h3,.service-card.featured p{color:#fff}
.service-card.featured .ticks li{color:rgba(255,255,255,.85)}
.service-card.featured .card-link{color:var(--gold-soft)}

.card-flag{
  position:absolute;top:18px;right:18px;background:var(--gold);color:var(--navy-900);
  font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  padding:5px 12px;border-radius:100px;
}
.card-icon{
  width:60px;height:60px;border-radius:16px;display:grid;place-items:center;
  background:linear-gradient(135deg,rgba(30,90,168,.12),rgba(200,162,75,.16));
  color:var(--blue);margin-bottom:20px;
}
.service-card.featured .card-icon{background:rgba(255,255,255,.1);color:var(--gold-soft)}
.service-card h3{margin-bottom:12px}
.service-card h3 a{transition:color .2s}
.service-card h3 a:hover{color:var(--blue)}
.service-card.featured h3 a:hover{color:var(--gold-soft)}
.service-card p{color:var(--muted);margin-bottom:18px}
.ticks{list-style:none;display:flex;flex-direction:column;gap:9px;margin-bottom:22px}
.ticks li{position:relative;padding-left:26px;font-size:.94rem;color:var(--ink)}
.ticks li::before{
  content:"✓";position:absolute;left:0;top:0;width:18px;height:18px;border-radius:50%;
  background:rgba(30,90,168,.12);color:var(--blue);font-size:.72rem;font-weight:700;
  display:grid;place-items:center;
}
.service-card.featured .ticks li::before{background:rgba(200,162,75,.25);color:var(--gold-soft)}
.card-link{margin-top:auto;font-weight:600;color:var(--blue);font-size:.95rem;display:inline-flex;align-items:center;gap:6px;transition:color .2s}
.card-link .arrow{display:inline-block;transition:transform .2s ease}
.card-link:hover{color:var(--gold)}
.card-link:hover .arrow{transform:translateX(4px)}

.solutions-strip{
  margin-top:34px;background:var(--cream);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 34px;display:flex;flex-direction:column;gap:14px;
}
.solutions-strip h4{font-size:1.1rem}
.solutions-list{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.solutions-list span{font-size:.95rem;color:var(--muted)}
.solutions-list b{color:var(--navy);font-weight:600}

/* ---------- about ---------- */
.about{background:var(--cream)}
.about-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:center}
.about-photo{position:relative}
.photo-main{
  aspect-ratio:3/2;border-radius:var(--radius);box-shadow:var(--shadow-md);
  background:linear-gradient(135deg,#2a4d7a,#12335c);
  background-image:url("https://images.unsplash.com/photo-1573497620053-ea5300f94f21?auto=format&fit=crop&w=800&q=80");
  background-size:cover;background-position:center;
}
.about-quote{
  position:absolute;right:-20px;bottom:34px;background:var(--navy);color:#fff;
  padding:22px 26px;border-radius:16px;max-width:230px;box-shadow:var(--shadow-md);
}
.about-quote .mark{font-family:var(--serif);font-size:2.6rem;color:var(--gold);line-height:.4;display:block}
.about-quote p{font-family:var(--serif);font-style:italic;font-size:1.1rem;margin-top:8px}
.about-copy>p{color:var(--muted);font-size:1.08rem;margin:18px 0 30px;max-width:40em}
.about-copy>p em{color:var(--navy);font-weight:500}
.values{display:flex;flex-direction:column;gap:22px}
.value{position:relative;padding-left:22px}
.value::before{content:"";position:absolute;left:0;top:4px;bottom:4px;width:3px;border-radius:3px;background:var(--gold)}
.value h3{font-size:1.15rem;margin-bottom:5px}
.value p{color:var(--muted);font-size:.98rem}

/* ---------- why (dark) ---------- */
.why{background:var(--navy);position:relative;overflow:hidden}
.why::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(700px 400px at 85% 0%,rgba(30,90,168,.4),transparent 60%);
}
.why .container{position:relative;z-index:1}
.why-cards{gap:24px}
.why-card{
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);
  border-radius:var(--radius);padding:34px 28px;transition:transform .3s,background .3s;
}
.why-card:hover{transform:translateY(-6px);background:rgba(255,255,255,.07)}
.why-num{font-family:var(--serif);font-size:2.2rem;color:var(--gold);display:block;margin-bottom:12px}
.why-card h3{color:#fff;margin-bottom:10px}
.why-card p{color:rgba(255,255,255,.75);font-size:.98rem}

/* ---------- process ---------- */
.process{background:var(--paper)}
.steps{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s}
.steps li{position:relative;padding-top:14px}
.steps li::before{content:"";position:absolute;top:33px;left:44px;right:-24px;height:2px;background:linear-gradient(90deg,var(--gold-soft),transparent)}
.steps li:last-child::before{display:none}
.step-n{
  width:52px;height:52px;border-radius:50%;display:grid;place-items:center;
  background:var(--navy);color:var(--gold);font-family:var(--serif);font-size:1.4rem;
  margin-bottom:16px;box-shadow:var(--shadow-sm);position:relative;z-index:1;
}
.steps h3{font-size:1.12rem;margin-bottom:8px}
.steps p{color:var(--muted);font-size:.95rem}

/* ---------- testimonials ---------- */
.testimonials{background:var(--cream)}
.tcarousel{position:relative}
.tcarousel-track{display:flex;gap:24px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 4px 20px;scroll-behavior:smooth;-ms-overflow-style:none;scrollbar-width:none}
.tcarousel-track::-webkit-scrollbar{display:none}
.tcard{
  flex:0 0 clamp(300px,34%,400px);scroll-snap-align:start;background:#fff;
  border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;
  box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:16px;
}
.tcard blockquote{font-family:var(--serif);font-size:1.12rem;line-height:1.5;color:var(--navy);font-style:italic}
.tcard figcaption{margin-top:auto;display:flex;flex-direction:column}
.tcard figcaption strong{color:var(--navy);font-family:var(--sans);font-weight:600}
.tcard figcaption span{font-size:.85rem;color:var(--muted)}
.tcarousel-nav{display:flex;gap:12px;justify-content:center;margin-top:12px}
.tcarousel-nav button{
  width:48px;height:48px;border-radius:50%;border:1px solid var(--line);background:#fff;
  font-size:1.5rem;color:var(--navy);cursor:pointer;transition:.2s;box-shadow:var(--shadow-sm);
}
.tcarousel-nav button:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.tcarousel-nav button:disabled{opacity:.35;cursor:default;box-shadow:none}
.tcarousel-nav button:disabled:hover{background:#fff;color:var(--navy);border-color:var(--line)}

/* ---------- faq ---------- */
.faq{background:var(--paper)}
.faq-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.faq-intro{position:sticky;top:110px}
.faq-intro p{color:var(--muted);margin:14px 0 26px}
.faq-list{display:flex;flex-direction:column;gap:14px}
.faq-item{border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff;overflow:hidden;transition:border-color .25s,box-shadow .25s}
.faq-item[open]{border-color:var(--gold-soft);box-shadow:var(--shadow-sm)}
.faq-item summary{
  list-style:none;cursor:pointer;padding:20px 24px;font-family:var(--serif);font-weight:600;
  font-size:1.1rem;color:var(--navy);display:flex;justify-content:space-between;gap:16px;align-items:center;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-family:var(--sans);font-size:1.6rem;color:var(--gold);transition:transform .25s;flex:none;line-height:1}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-body{padding:0 24px 22px}
.faq-body p{color:var(--muted);font-size:.98rem}
.faq-body p+p{margin-top:12px}

/* ---------- contact ---------- */
.contact{background:var(--navy);color:#fff}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.contact-copy h2{color:#fff}
.contact-copy>p{color:rgba(255,255,255,.8);margin:16px 0 30px;font-size:1.08rem}
.contact-points{list-style:none;display:flex;flex-direction:column;gap:16px}
.contact-points li{display:flex;align-items:center;gap:14px;color:rgba(255,255,255,.9);font-size:1.02rem}
.contact-points svg{color:var(--gold-soft);flex:none}
.contact-points a:hover{color:var(--gold)}

.contact-form{background:#fff;border-radius:var(--radius);padding:34px;box-shadow:var(--shadow-lg)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.contact-form label{display:flex;flex-direction:column;gap:7px;font-size:.88rem;font-weight:600;color:var(--navy);margin-bottom:16px}
.contact-form .opt{font-weight:400;color:var(--muted)}
.contact-form input,.contact-form select,.contact-form textarea{
  font-family:var(--sans);font-size:.98rem;padding:13px 15px;border:1px solid var(--line);
  border-radius:10px;background:var(--cream);color:var(--ink);transition:border-color .2s,box-shadow .2s;
}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{
  outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(30,90,168,.14);background:#fff;
}
.contact-form textarea{resize:vertical}
.form-fine{font-size:.8rem;color:var(--muted);text-align:center;margin-top:14px}
.form-fine a{color:var(--blue);text-decoration:underline}
.form-success{margin-top:14px;text-align:center;color:#1a7a4c;font-weight:600;background:#e8f6ee;padding:12px;border-radius:10px}
.form-error{margin-top:14px;text-align:center;color:#a02020;font-weight:600;background:#fbeaea;padding:12px;border-radius:10px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* ---------- footer ---------- */
.site-footer{background:var(--navy-900);color:rgba(255,255,255,.72);padding-top:66px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.1)}
.brand-light{margin-bottom:18px}
.footer-brand p{font-size:.95rem;margin-bottom:22px;max-width:32em}
.footer-col h4{color:#fff;font-family:var(--sans);font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px}
.footer-col a,.footer-col span{display:block;padding:6px 0;font-size:.95rem;color:rgba(255,255,255,.72);transition:color .2s}
.footer-col a:hover{color:var(--gold)}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding:24px 0;flex-wrap:wrap;gap:12px;font-size:.88rem}
.footer-legal{display:flex;gap:22px}
.footer-legal a:hover{color:var(--gold)}
.disclaimer{padding-bottom:40px}
.disclaimer p{font-size:.76rem;color:rgba(255,255,255,.45);line-height:1.6;max-width:90ch}

/* ---------- floating cta ---------- */
.floating-cta{
  position:fixed;right:20px;bottom:20px;z-index:90;background:var(--gold);color:var(--navy-900);
  font-weight:700;padding:14px 22px;border-radius:100px;box-shadow:0 12px 30px rgba(200,162,75,.5);
  transform:translateY(120px);transition:transform .35s ease;
}
.floating-cta.show{transform:translateY(0)}
.floating-cta:hover{background:var(--gold-soft)}

/* ---------- mobile sticky action bar (mobile only) ---------- */
.mobile-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:95;display:none;gap:10px;
  padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));
  background:rgba(11,31,58,.96);backdrop-filter:blur(10px);
  border-top:1px solid rgba(255,255,255,.12);
}
.mobile-bar a{
  flex:1;display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-weight:700;font-size:.95rem;padding:14px;border-radius:12px;
}
.mobile-bar-call{background:rgba(255,255,255,.1);color:#fff;border:1px solid rgba(255,255,255,.22)}
.mobile-bar-quote{background:var(--gold);color:var(--navy-900)}

/* ---------- legal pages ---------- */
.legal-page{padding:130px 0 80px;background:var(--cream);min-height:70vh}
.legal-page .container{width:min(760px,92%)}
.legal-page h1{font-size:clamp(2rem,4vw,2.8rem);margin-bottom:10px}
.legal-page .updated{color:var(--muted);font-size:.9rem;margin-bottom:34px}
.legal-page h2{font-size:1.35rem;margin:34px 0 12px}
.legal-page p,.legal-page li{color:var(--ink);font-size:1rem;margin-bottom:12px}
.legal-page ul{padding-left:22px;margin-bottom:12px}
.legal-page a{color:var(--blue);text-decoration:underline}
.legal-note{background:#fff;border:1px solid var(--gold-soft);border-left:4px solid var(--gold);
  border-radius:10px;padding:16px 20px;margin-bottom:30px;font-size:.92rem;color:var(--muted)}
.legal-back{display:inline-block;margin-top:36px;font-weight:600;color:var(--blue)}

/* ---------- reveal animation ---------- */
[data-reveal]{opacity:0;transform:translateY(28px)}
.reveal-in{opacity:1;transform:none;transition:opacity .7s ease,transform .7s ease}

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media(max-width:1024px){
  .hero-inner{grid-template-columns:1fr;gap:40px}
  .hero-card{max-width:420px}
  .about-grid{grid-template-columns:1fr;gap:70px}
  .about-quote{right:auto;left:20px}
  .faq-grid{grid-template-columns:1fr;gap:32px}
  .faq-intro{position:static}
  .contact-grid{grid-template-columns:1fr;gap:36px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  .steps{grid-template-columns:1fr 1fr}
  .steps li::before{display:none}
}
@media(max-width:760px){
  .nav,.header-cta{display:none}
  .nav-toggle{display:flex}
  .section{padding:70px 0}
  .cards-3,.why-cards{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr;gap:28px}
  .stat:nth-child(3)::before,.stat:nth-child(2)::before{display:none}
  .stat+.stat::before{left:-14px}
  .solutions-list{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .footer-bottom{flex-direction:column;text-align:center}
  .hero{padding:140px 0 70px}
  .floating-cta{display:none}
  .mobile-bar{display:flex}
  body{padding-bottom:72px}
}
/* mobile menu must never overlay the desktop layout */
@media(min-width:761px){
  .mobile-menu{display:none}
}
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto!important}
  [data-reveal]{opacity:1;transform:none}
}