:root {
  --navy: #10233a;
  --navy-deep: #0a1726;
  --navy-soft: #1b3554;
  --gold: #b8954a;
  --gold-light: #d4b56a;
  --paper: #f7f4ee;
  --paper-2: #efe9dc;
  --ink: #16202b;
  --muted: #5b6570;
  --white: #ffffff;
  --line: rgba(16, 35, 58, 0.12);
  --shadow: 0 18px 50px rgba(10, 23, 38, 0.12);
  --radius: 18px;
  --max: 1120px;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  font-family: "Heebo", "Assistant", system-ui, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.7;
  overflow-x: hidden;
}

img {
  max-width: 100%;
}

a {
  color: inherit;
}

.skip {
  position: absolute;
  inset-inline-start: -999px;
  top: 8px;
  background: var(--gold);
  color: var(--navy);
  padding: 8px 14px;
  z-index: 100;
}

.skip:focus {
  inset-inline-start: 8px;
}

.wrap {
  width: min(var(--max), calc(100% - 32px));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(247, 244, 238, 0.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 76px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  min-width: 0;
}

.brand-mark {
  width: 52px;
  height: 40px;
  object-fit: contain;
  flex: none;
}

.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand-text strong {
  font-size: 1.05rem;
  letter-spacing: 0.02em;
}

.brand-text span {
  font-size: 0.78rem;
  color: var(--muted);
}

.nav {
  display: flex;
  align-items: center;
  gap: 22px;
}

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

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-decoration: none;
  border: 0;
  cursor: pointer;
  font: inherit;
  font-weight: 600;
  border-radius: 999px;
  padding: 12px 20px;
  transition: 0.18s ease;
  white-space: nowrap;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy-deep);
}

.btn-gold:hover {
  background: var(--gold-light);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.35);
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.08);
}

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

.btn-navy:hover {
  background: var(--navy-soft);
}

.btn-ghost {
  background: var(--white);
  color: var(--navy);
  border: 1px solid var(--line);
}

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(900px 420px at 0% 0%, rgba(184, 149, 74, 0.22), transparent 60%),
    linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 58%, #16324f 100%);
  color: var(--white);
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto -80px -120px auto;
  width: 420px;
  height: 420px;
  border: 1px solid rgba(184, 149, 74, 0.25);
  border-radius: 50%;
  pointer-events: none;
}

.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
  padding: 72px 0 64px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold-light);
  font-size: 0.86rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  margin-bottom: 14px;
}

.hero h1 {
  margin: 0 0 16px;
  font-size: clamp(2rem, 4vw, 3.15rem);
  line-height: 1.2;
  font-weight: 800;
}

.hero p.lead {
  margin: 0 0 28px;
  max-width: 38rem;
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.08rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 28px;
}

.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 18px 28px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.92rem;
}

.hero-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
  padding: 28px;
  backdrop-filter: blur(8px);
}

.hero-card h2 {
  margin: 0 0 16px;
  font-size: 1.05rem;
  font-weight: 600;
}

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

.hero-card li {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.95rem;
}

.hero-card li:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.hero-card span {
  color: rgba(255, 255, 255, 0.62);
}

.stats {
  background: var(--white);
  border-bottom: 1px solid var(--line);
}

.stats-inner {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
  padding: 28px 0;
}

.stat {
  padding: 8px 12px;
}

.stat b {
  display: block;
  font-size: 1.35rem;
  color: var(--navy);
}

.stat span {
  color: var(--muted);
  font-size: 0.9rem;
}

section {
  padding: 80px 0;
}

.section-head {
  max-width: 640px;
  margin-bottom: 36px;
}

.section-head h2 {
  margin: 0 0 10px;
  font-size: clamp(1.6rem, 2.4vw, 2.1rem);
  color: var(--navy);
}

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

.section-head p + p {
  margin-top: 14px;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.8);
}

.card .icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: var(--paper-2);
  color: var(--navy);
  margin-bottom: 16px;
}

.card h3 {
  margin: 0 0 8px;
  font-size: 1.12rem;
  color: var(--navy);
}

.card p {
  margin: 0;
  color: var(--muted);
}

.insurers {
  background: var(--white);
}

.logo-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.logo-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 24px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  background: var(--paper);
  text-decoration: none;
  color: inherit;
  transition: 0.18s ease;
}

.logo-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}

.logo-card strong {
  font-size: 1.2rem;
  color: var(--navy);
}

.logo-card span {
  color: var(--muted);
  font-size: 0.92rem;
}

.note {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.team {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}

.person {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 20px;
}

.person + .person {
  margin-top: 12px;
}

.person b {
  display: block;
  color: var(--navy);
}

.person span {
  color: var(--muted);
  font-size: 0.92rem;
}

.contact {
  background: var(--navy-deep);
  color: var(--white);
}

.contact .section-head h2,
.contact .section-head p {
  color: var(--white);
}

.contact .section-head p {
  color: rgba(255, 255, 255, 0.72);
}

.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 22px;
}

.contact-panel,
.map-wrap {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  overflow: hidden;
}

.contact-panel {
  padding: 28px;
}

.contact-list {
  list-style: none;
  margin: 0 0 22px;
  padding: 0;
}

.contact-list li {
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.contact-list a {
  color: var(--gold-light);
  text-decoration: none;
}

.contact-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.map-wrap iframe {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 360px;
  border: 0;
  filter: grayscale(0.25) contrast(1.05);
}

.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.62);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 22px 0 28px;
  font-size: 0.88rem;
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.wa-float {
  position: fixed;
  inset-inline-end: calc(16px + env(safe-area-inset-right, 0px));
  bottom: calc(18px + env(safe-area-inset-bottom, 0px));
  z-index: 50;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #25d366;
  color: white;
  display: grid;
  place-items: center;
  box-shadow: var(--shadow);
  text-decoration: none;
}

.menu-toggle {
  display: none;
  background: none;
  border: 0;
  font: inherit;
  font-weight: 600;
  color: var(--navy);
  min-height: 44px;
  min-width: 44px;
  padding: 8px 10px;
}

@media (max-width: 900px) {
  .wrap {
    width: min(var(--max), calc(100% - 28px));
  }

  .header-inner {
    min-height: 64px;
    gap: 12px;
  }

  .brand-mark {
    width: 44px;
    height: 34px;
  }

  .brand-text strong {
    font-size: 0.98rem;
  }

  .hero-inner,
  .cards,
  .team,
  .contact-grid,
  .logo-row {
    grid-template-columns: 1fr;
  }

  .stats-inner {
    grid-template-columns: 1fr 1fr;
    gap: 4px 8px;
    padding: 18px 0;
  }

  .stat {
    padding: 10px 8px;
  }

  .stat b {
    font-size: 1.12rem;
  }

  .nav {
    display: none;
  }

  .nav.open {
    display: flex;
    position: absolute;
    inset: 64px 0 auto 0;
    background: var(--paper);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 20px 20px;
    border-bottom: 1px solid var(--line);
    gap: 4px;
  }

  .nav.open a {
    min-height: 44px;
    display: flex;
    align-items: center;
    font-size: 1.05rem;
  }

  .menu-toggle {
    display: inline-flex;
    align-items: center;
  }

  section {
    padding: 48px 0;
  }

  .hero {
    overflow: hidden;
  }

  .hero::after {
    display: none;
  }

  .hero-inner,
  .hero-inner > div,
  .hero-card {
    min-width: 0;
    max-width: 100%;
  }

  .hero-inner {
    gap: 22px;
    padding: 28px 0 24px;
  }

  .hero h1 {
    font-size: 1.45rem;
    line-height: 1.3;
    overflow-wrap: break-word;
  }

  .hero p.lead {
    font-size: 1rem;
    margin-bottom: 20px;
  }

  .eyebrow {
    font-size: 0.78rem;
    white-space: normal;
    line-height: 1.4;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
    gap: 10px;
    margin-bottom: 18px;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .hero-meta {
    display: grid;
    gap: 6px;
    font-size: 0.9rem;
  }

  .hero-card {
    padding: 20px;
  }

  .hero-card li {
    flex-wrap: wrap;
    overflow-wrap: break-word;
  }

  .hero-card li b {
    text-align: start;
  }

  .section-head {
    margin-bottom: 24px;
  }

  .card {
    padding: 20px;
  }

  .contact-panel {
    padding: 22px;
  }

  .map-wrap iframe {
    min-height: 280px;
  }

  .site-footer {
    padding: 18px 0 calc(88px + env(safe-area-inset-bottom, 0px));
  }

  .footer-inner {
    flex-direction: column;
    gap: 6px;
  }
}

@media (max-width: 420px) {
  .stats-inner {
    grid-template-columns: 1fr;
  }
}