*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Inter',system-ui,sans-serif;color:#0a1628;background:#fff;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%}
ul{list-style:none}

:root{
  --navy:#0a1628;
  --blue:#1d4ed8;
  --blue2:#1e40af;
  --blue-lt:#3b82f6;
  --sky:#eff6ff;
  --muted:#64748b;
  --border:#e2e8f0;
  --light:#f8fafc;
  --white:#fff;
}

/* ─── NAV ─── */
.nav{position:fixed;top:0;left:0;right:0;z-index:900;transition:background .3s,box-shadow .3s}
.nav.scrolled,.nav.solid{background:rgba(10,22,40,0.97);box-shadow:0 1px 0 rgba(255,255,255,0.06)}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 40px;height:80px;display:flex;align-items:center;gap:48px}
.nav-logo{flex-shrink:0;display:flex;flex-direction:column;line-height:1}
.nav-logo .lg1{font-size:15px;font-weight:700;color:#fff;letter-spacing:-.01em}
.nav-logo .lg2{font-size:10px;font-weight:500;color:rgba(255,255,255,0.45);letter-spacing:.12em;text-transform:uppercase;margin-top:3px}
.nav-links{display:flex;align-items:center;gap:4px;flex:1}
.nav-links a{font-size:13.5px;font-weight:500;color:rgba(255,255,255,0.7);padding:8px 14px;border-radius:6px;transition:color .15s,background .15s}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,0.1)}
.nav-links a.active{color:#fff;background:rgba(255,255,255,0.08);box-shadow:inset 0 -2px 0 #93c5fd}
.nav-cta{margin-left:auto;display:flex;align-items:center;gap:16px}
.nav-phone{font-size:13px;font-weight:500;color:rgba(255,255,255,0.55);display:flex;align-items:center;gap:8px}
.nav-phone svg{opacity:.6}
.btn-nav{display:inline-block;background:var(--blue);color:#fff;font-size:13.5px;font-weight:600;padding:10px 22px;border-radius:7px;transition:background .15s}
.btn-nav:hover{background:var(--blue2)}
.mob-btn{display:none;background:none;border:none;cursor:pointer;padding:8px;color:#fff}

/* ─── MOBILE MENU ─── */
.mob-menu{display:flex;position:fixed;inset:0;background:var(--navy);z-index:950;padding:100px 32px 40px;flex-direction:column;gap:8px;transform:translateX(100%);transition:transform .32s cubic-bezier(.4,0,.2,1);visibility:hidden}
.mob-menu.open{transform:translateX(0);visibility:visible}
.mob-menu a{font-size:22px;font-weight:600;color:rgba(255,255,255,0.75);padding:14px 0;border-bottom:1px solid rgba(255,255,255,0.06);transition:color .15s,transform .2s;opacity:0;transform:translateX(20px)}
.mob-menu.open a{opacity:1;transform:translateX(0)}
.mob-menu.open a:nth-child(2){transition-delay:.06s}
.mob-menu.open a:nth-child(3){transition-delay:.1s}
.mob-menu.open a:nth-child(4){transition-delay:.14s}
.mob-menu.open a:nth-child(5){transition-delay:.18s}
.mob-menu.open a:nth-child(6){transition-delay:.22s}
.mob-menu.open a:nth-child(7){transition-delay:.26s}
.mob-menu a:hover{color:#fff}
.mob-close-btn{position:absolute;top:28px;right:32px;background:none;border:none;color:#fff;cursor:pointer;font-size:28px;line-height:1}

/* ─── PAGE HERO (inner pages) ─── */
.page-hero{background:var(--navy);padding:140px 40px 72px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:url('https://images.unsplash.com/photo-1576091160550-2173dba999ef?w=1600&q=75') center/cover no-repeat;opacity:.07}
.page-hero-inner{max-width:1200px;margin:0 auto;position:relative;z-index:1}
.page-hero-tag{font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:#93c5fd;display:flex;align-items:center;gap:10px;margin-bottom:18px}
.page-hero-tag::before{content:'';width:20px;height:1px;background:#93c5fd}
.page-hero h1{font-family:'Playfair Display',Georgia,serif;font-size:clamp(32px,4vw,52px);font-weight:700;color:#fff;line-height:1.15;letter-spacing:-.02em}
.page-hero p{font-size:16px;color:rgba(255,255,255,0.5);margin-top:14px;max-width:560px;line-height:1.72}

/* ─── SECTION SHELL ─── */
.section{padding:96px 40px}
.section.bg-light{background:var(--light)}
.section.bg-navy{background:var(--navy);position:relative;overflow:hidden}
.section.bg-navy::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:48px 48px;pointer-events:none;z-index:0}
.section.bg-navy .wrap{position:relative;z-index:1}
.wrap{max-width:1200px;margin:0 auto}
.sec-label{font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--blue);display:flex;align-items:center;gap:10px;margin-bottom:40px}
.sec-label::before{content:'';width:20px;height:1px;background:var(--blue)}
.sec-h2{font-family:'Playfair Display',Georgia,serif;font-size:clamp(28px,3.5vw,44px);font-weight:700;color:var(--navy);line-height:1.15;letter-spacing:-.02em;margin-bottom:16px}
.sec-lead{font-size:16px;color:var(--muted);line-height:1.78;max-width:560px}

/* ─── BUTTONS ─── */
.btn-primary{display:inline-flex;align-items:center;gap:10px;background:var(--blue);color:#fff;font-size:14.5px;font-weight:600;padding:15px 30px;border-radius:8px;transition:background .15s}
.btn-primary svg{transition:transform .15s}
.btn-primary:hover{background:var(--blue2)}
.btn-primary:hover svg{transform:translateX(3px)}
.btn-ghost{display:inline-flex;align-items:center;gap:8px;color:rgba(255,255,255,0.75);font-size:14.5px;font-weight:500;padding:15px 24px;border-radius:8px;border:1px solid rgba(255,255,255,0.18);transition:border-color .15s,color .15s}
.btn-ghost:hover{border-color:rgba(255,255,255,0.45);color:#fff}
.btn-outline{display:inline-flex;align-items:center;gap:8px;color:var(--blue);font-size:14px;font-weight:600;padding:13px 24px;border-radius:8px;border:1px solid var(--blue);transition:background .15s,color .15s}
.btn-outline:hover{background:var(--blue);color:#fff}

/* ─── CTA BAND ─── */
.cta-band{background:var(--navy);padding:100px 40px;text-align:center;position:relative;overflow:hidden}
.cta-band::before{content:'';position:absolute;top:-120px;left:50%;transform:translateX(-50%);width:600px;height:600px;background:radial-gradient(circle,rgba(29,78,216,0.25) 0%,transparent 70%);pointer-events:none}
.cta-band .sec-label{justify-content:center;color:#93c5fd}
.cta-band .sec-label::before{background:#93c5fd}
.cta-band .sec-h2{color:#fff;text-align:center}
.cta-band p{font-size:16px;color:rgba(255,255,255,0.5);margin:16px auto 44px;max-width:480px;line-height:1.75}
.cta-row{display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap}
.btn-cta{display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--navy);font-size:15px;font-weight:700;padding:16px 34px;border-radius:8px;transition:background .15s}
.btn-cta:hover{background:#f0f5ff}
.btn-cta-outline{display:inline-flex;align-items:center;gap:10px;color:#fff;font-size:15px;font-weight:500;padding:16px 30px;border-radius:8px;border:1px solid rgba(255,255,255,0.2);transition:border-color .15s}
.btn-cta-outline:hover{border-color:rgba(255,255,255,0.5)}

/* ─── FOOTER ─── */
.footer{background:#060e1a;padding:72px 40px 40px}
.footer-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:64px;padding-bottom:56px;border-bottom:1px solid rgba(255,255,255,0.07)}
.ft-brand .lg1{font-size:16px;font-weight:700;color:#fff;margin-bottom:4px}
.ft-brand .lg2{font-size:10px;color:rgba(255,255,255,0.3);letter-spacing:.12em;text-transform:uppercase}
.ft-desc{font-size:13.5px;color:rgba(255,255,255,0.35);line-height:1.75;margin-top:18px;max-width:280px}
.ft-col h4{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,0.35);margin-bottom:20px}
.ft-col ul{display:flex;flex-direction:column;gap:12px}
.ft-col ul li a{font-size:13.5px;color:rgba(255,255,255,0.5);transition:color .15s}
.ft-col ul li a:hover{color:#fff}
.footer-bottom{max-width:1200px;margin:32px auto 0;display:flex;justify-content:space-between;align-items:center;font-size:12.5px;color:rgba(255,255,255,0.25);flex-wrap:wrap;gap:10px}

/* ─── ICON SVG ─── */
.icon-phone-path{fill:none;stroke:currentColor;stroke-width:2}

/* ─── STICKY SCHEDULE BAR ─── */
.sched-bar{position:fixed;bottom:0;left:0;right:0;z-index:799;background:var(--blue);padding:12px 40px;display:flex;align-items:center;justify-content:center;gap:24px;transform:translateY(100%);transition:transform .35s cubic-bezier(.4,0,.2,1);box-shadow:0 -4px 24px rgba(29,78,216,.4);pointer-events:none}
.sched-bar.show{transform:translateY(0);pointer-events:auto}
.sched-bar-text{font-size:13.5px;font-weight:500;color:rgba(255,255,255,.85)}
.sched-bar .sb-cta{font-size:13px;font-weight:700;background:#fff;color:var(--blue);padding:8px 20px;border-radius:6px;transition:background .15s;white-space:nowrap}
.sched-bar .sb-cta:hover{background:#f0f5ff}
.sched-bar .sb-phone{font-size:13px;color:rgba(255,255,255,.65);font-weight:500;display:flex;align-items:center;gap:6px}
@media(max-width:768px){.sched-bar{display:none!important}}

/* ─── SCROLL REVEAL ─── */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .65s ease,transform .65s ease}
.reveal.visible{opacity:1;transform:translateY(0)}
.reveal-d1{transition-delay:.1s}
.reveal-d2{transition-delay:.2s}
.reveal-d3{transition-delay:.3s}
.reveal-d4{transition-delay:.4s}

/* ─── FLOATING CALL BUTTON (mobile) ─── */
@keyframes pulseGlow{0%,100%{box-shadow:0 8px 28px rgba(29,78,216,.45),0 0 0 0 rgba(59,130,246,.5)}70%{box-shadow:0 8px 28px rgba(29,78,216,.45),0 0 0 14px rgba(59,130,246,0)}}
.float-call{display:none;position:fixed;bottom:24px;right:24px;z-index:800;background:var(--blue);color:#fff;border-radius:50px;padding:14px 24px;font-size:14px;font-weight:600;align-items:center;gap:10px;text-decoration:none;transition:background .15s,transform .15s;animation:pulseGlow 2.8s ease-in-out infinite}
.float-call:hover{background:var(--blue2);transform:translateY(-2px);animation:none;box-shadow:0 8px 28px rgba(29,78,216,.6)}
.float-call svg{flex-shrink:0}
@media(max-width:768px){.float-call{display:flex}}

/* ─── WHAT TO EXPECT TIMELINE ─── */
.timeline-wrap{max-width:1000px;margin:0 auto}
.timeline-steps{display:flex;gap:0;margin-top:56px;position:relative}
.timeline-steps::before{content:'';position:absolute;top:32px;left:calc(10% + 20px);right:calc(10% + 20px);height:2px;background:linear-gradient(90deg,var(--blue),#93c5fd);z-index:0}
.tl-step{flex:1;display:flex;flex-direction:column;align-items:center;text-align:center;position:relative;z-index:1;padding:0 12px}
.tl-num{width:64px;height:64px;border-radius:50%;background:#fff;border:2px solid var(--blue);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:22px;font-weight:700;color:var(--blue);margin-bottom:20px;transition:background .2s,color .2s,transform .2s;box-shadow:0 0 0 6px var(--sky)}
.tl-step:hover .tl-num{background:var(--blue);color:#fff;transform:scale(1.1)}
.tl-label{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:6px}
.tl-desc{font-size:12.5px;color:var(--muted);line-height:1.65;max-width:140px}
@media(max-width:768px){
  .timeline-steps{flex-direction:column;gap:24px}
  .timeline-steps::before{display:none}
  .tl-step{flex-direction:row;text-align:left;align-items:flex-start;gap:18px;padding:0}
  .tl-num{flex-shrink:0;width:52px;height:52px;font-size:18px;margin-bottom:0;box-shadow:0 0 0 5px var(--sky)}
  .tl-desc{max-width:none}
}

/* ─── TESTIMONIALS ─── */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:56px}
.testi-card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:36px 32px;display:flex;flex-direction:column;gap:18px;transition:box-shadow .2s,transform .2s}
.testi-card:hover{box-shadow:0 12px 40px rgba(10,22,40,0.09);transform:translateY(-3px)}
.testi-stars{display:flex;gap:4px;color:#f59e0b}
.testi-text{font-size:15px;color:var(--muted);line-height:1.78;flex:1;font-style:italic}
.testi-author{display:flex;align-items:center;gap:14px;margin-top:4px}
.testi-avatar{width:44px;height:44px;border-radius:50%;background:var(--sky);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:16px;font-weight:700;color:var(--blue);flex-shrink:0}
.testi-name{font-size:13.5px;font-weight:700;color:var(--navy)}
.testi-loc{font-size:12px;color:var(--muted)}

/* ─── INSURANCE LOGOS ─── */
.ins-section{border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:48px 40px;background:#fff}
.ins-label{text-align:center;font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-bottom:32px}
.ins-grid{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:12px;max-width:900px;margin:0 auto}
.ins-chip{border:1px solid var(--border);border-radius:8px;padding:12px 22px;font-size:13px;font-weight:600;color:var(--muted);white-space:nowrap;transition:border-color .15s,color .15s}
.ins-chip:hover{border-color:var(--blue);color:var(--blue)}

/* ─── FAQ ─── */
.faq-list{display:flex;flex-direction:column;gap:0;margin-top:56px;max-width:800px;margin-left:auto;margin-right:auto}
.faq-item{border-bottom:1px solid var(--border)}
.faq-item:first-child{border-top:1px solid var(--border)}
.faq-q{width:100%;background:none;border:none;text-align:left;padding:22px 0;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;font-family:'Inter',sans-serif;font-size:15.5px;font-weight:600;color:var(--navy);line-height:1.45}
.faq-q svg{flex-shrink:0;transition:transform .25s;color:var(--blue)}
.faq-item.open .faq-q svg{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s ease}
.faq-item.open .faq-a{max-height:300px;padding-bottom:20px}
.faq-a p{font-size:14.5px;color:var(--muted);line-height:1.78}

/* ─── RESPONSIVE ─── */
@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:40px}
  .testi-grid{grid-template-columns:1fr}
}
@media(max-width:768px){
  .testi-grid{grid-template-columns:unset;display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:16px;padding-bottom:20px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
  .testi-grid::-webkit-scrollbar{display:none}
  .testi-card{min-width:82vw;scroll-snap-align:center;flex-shrink:0}
}
@media(max-width:768px){
  .nav-links,.nav-phone{display:none}
  .mob-btn{display:flex}
  .nav-inner{padding:0 24px}
  .section{padding:64px 24px}
  .page-hero{padding:120px 24px 56px}
  .footer-grid{grid-template-columns:1fr;gap:32px}
  .footer{padding:56px 24px 32px}
  .cta-band{padding:72px 24px}
  .btn-nav{display:none}
  .ins-section{padding:40px 24px}
}