/* ============================================================
   ROOT & RESET
   ============================================================ */
:root {
  --navy:        #0A2744;
  --navy-mid:    #0D3260;
  --gold:        #C9952A;
  --gold-light:  #E8B84B;
  --gold-pale:   #F7EDD4;
  --white:       #FFFFFF;
  --off-white:   #F8F6F2;
  --text:        #1C2B3A;
  --text-mid:    #4A5E72;
  --text-light:  #7A8FA3;
  --border:      #DDE4EC;
  --shadow:      rgba(10,39,68,0.10);
  --shadow-lg:   rgba(10,39,68,0.20);
  --radius:      12px;
  --radius-lg:   20px;
  --nav-h:       72px;
  --max-w:       1160px;
  --font-display:'Playfair Display', Georgia, serif;
  --font-body:   'Source Sans 3', system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }

/* ============================================================
   SHARED UTILITIES
   ============================================================ */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 40px;
}

@media (max-width: 768px) {
  .container { padding: 0 20px; }
}

.section-eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

.section-header {
  text-align: center;
  margin-bottom: 52px;
}
.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 14px;
}
.section-sub {
  font-size: 1.05rem;
  color: var(--text-mid);
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.65;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn-primary {
  display: inline-block;
  background: var(--gold);
  color: var(--white);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  padding: 14px 32px;
  border-radius: 6px;
  border: none;
  cursor: pointer;
  white-space: nowrap;
  box-shadow: 0 4px 16px rgba(201,149,42,0.35);
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,149,42,0.45);
}
.btn-primary.btn-full {
  width: 100%;
  text-align: center;
  padding: 16px;
  font-size: 1.05rem;
}

.btn-ghost {
  display: inline-block;
  background: transparent;
  color: var(--white);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  padding: 13px 30px;
  border-radius: 6px;
  border: 2px solid rgba(255,255,255,0.45);
  cursor: pointer;
  white-space: nowrap;
  transition: border-color 0.2s, background 0.2s;
}
.btn-ghost:hover {
  border-color: var(--white);
  background: rgba(255,255,255,0.08);
}

/* ============================================================
   NAV
   ============================================================ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  transition: box-shadow 0.3s;
}
.nav.scrolled {
  box-shadow: 0 4px 20px rgba(10,39,68,0.1);
}

.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 40px;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.nav-logo {
  flex-shrink: 0;
  display: flex;
  align-items: center;
}
.nav-logo img {
  height: 52px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  flex-shrink: 0;
}
.nav-links a {
  display: block;
  color: var(--text-mid);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 13px;
  border-radius: 6px;
  white-space: nowrap;
  transition: color 0.2s, background 0.2s;
}
.nav-links a:hover {
  color: var(--navy);
  background: var(--off-white);
}
.nav-links .nav-cta {
  background: var(--gold) !important;
  color: var(--white) !important;
  padding: 9px 18px !important;
  font-weight: 600;
  box-shadow: 0 2px 12px rgba(201,149,42,0.35);
  transition: background 0.2s, transform 0.15s !important;
}
.nav-links .nav-cta:hover {
  background: var(--gold-light) !important;
  transform: translateY(-1px);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  flex-shrink: 0;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

/* Mobile menu */
.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 8px 20px 20px;
}
.mobile-menu.open { display: flex; }
.mm-link {
  color: var(--text-mid);
  font-size: 1rem;
  font-weight: 500;
  padding: 13px 0;
  border-bottom: 1px solid var(--border);
  transition: color 0.2s;
}
.mm-link:last-child { border-bottom: none; }
.mm-link:hover { color: var(--navy); }
.mm-cta {
  margin-top: 12px;
  background: var(--gold);
  color: var(--white) !important;
  text-align: center;
  padding: 14px;
  border-radius: 6px;
  font-weight: 600;
  border: none;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0D3260 55%, #143a6e 100%);
  padding-top: var(--nav-h);
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 10% 80%, rgba(201,149,42,0.1) 0%, transparent 45%),
    radial-gradient(circle at 90% 10%, rgba(255,255,255,0.04) 0%, transparent 45%);
  pointer-events: none;
}

/* hero-inner: centred container, two-column on desktop */
.hero-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 80px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 60px;
  position: relative;
  z-index: 2;
}

.hero-content {
  flex: 1;
  min-width: 0;
  max-width: 580px;
  animation: fadeUp 0.8s ease both;
}

.hero-badge {
  display: inline-block;
  background: rgba(201,149,42,0.18);
  border: 1px solid rgba(201,149,42,0.4);
  color: var(--gold-light);
  font-size: 0.73rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  padding: 7px 16px;
  border-radius: 100px;
  margin-bottom: 22px;
}

.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4.5vw, 3.8rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 20px;
}
.hero-title em {
  font-style: italic;
  color: var(--gold-light);
}

.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 500px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.trust-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.trust-item {
  color: rgba(255,255,255,0.72);
  font-size: 0.88rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 6px;
}
.trust-icon { color: var(--gold-light); font-weight: 700; }

/* Hero image */
.hero-image-wrap {
  position: relative;
  flex-shrink: 0;
  animation: fadeUp 0.8s 0.15s ease both;
}
.hero-img-frame {
  width: 340px;
  height: 430px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 3px solid rgba(201,149,42,0.45);
  box-shadow: 0 28px 70px rgba(0,0,0,0.45);
}
.hero-headshot {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}
.hero-card {
  position: absolute;
  bottom: -18px;
  left: -36px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 13px 17px;
  display: flex;
  align-items: center;
  gap: 11px;
  box-shadow: 0 10px 36px rgba(0,0,0,0.22);
  border: 1px solid var(--border);
}
.hcard-icon { font-size: 1.4rem; }
.hcard-text { display: flex; flex-direction: column; }
.hcard-text strong { font-size: 0.88rem; color: var(--navy); font-weight: 700; }
.hcard-text span  { font-size: 0.76rem; color: var(--text-mid); }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-7px); }
}
.floating { animation: float 4s ease-in-out infinite; }

/* ============================================================
   BURDEN SECTION
   ============================================================ */
.burden-section {
  background: var(--navy);
  padding: 72px 40px;
}
.burden-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 64px;
}

.burden-stat { text-align: center; flex-shrink: 0; }
.stat-num {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2.8rem, 5vw, 4.5rem);
  font-weight: 900;
  color: var(--gold-light);
  line-height: 1;
}
.stat-label {
  display: block;
  color: rgba(255,255,255,0.6);
  font-size: 0.88rem;
  margin-top: 8px;
  max-width: 160px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.4;
}
.burden-divider {
  width: 1px;
  height: 100px;
  background: rgba(255,255,255,0.15);
  flex-shrink: 0;
}
.burden-copy { flex: 1; min-width: 0; }
.burden-copy h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 14px;
  line-height: 1.25;
}
.burden-copy p {
  color: rgba(255,255,255,0.7);
  font-size: 1.02rem;
  margin-bottom: 24px;
  line-height: 1.7;
}
.burden-copy strong { color: var(--gold-light); }

/* ============================================================
   ABOUT
   ============================================================ */
.about {
  padding: 96px 0;
  background: var(--off-white);
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}
.about-family-frame {
  border-radius: var(--radius-lg);
  border: 3px solid var(--gold);
  box-shadow: 0 20px 56px var(--shadow-lg);
  line-height: 0;
}
.about-family-img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: calc(var(--radius-lg) - 3px);
}
.about-copy h2 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 2.5vw, 2.3rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 18px;
  line-height: 1.2;
}
.about-copy p {
  color: var(--text-mid);
  font-size: 1.02rem;
  line-height: 1.72;
  margin-bottom: 16px;
}
.about-stats {
  display: flex;
  gap: 28px;
  margin-top: 32px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
}
.about-stat { text-align: center; }
.about-stat strong {
  display: block;
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 900;
  color: var(--gold);
  line-height: 1;
}
.about-stat span {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-top: 5px;
}

/* ============================================================
   WHY
   ============================================================ */
.why {
  padding: 96px 0;
  background: var(--white);
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.why-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 30px 26px;
  border: 1px solid var(--border);
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
}
.why-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 36px var(--shadow);
  border-color: var(--gold);
}
.why-icon { font-size: 1.9rem; margin-bottom: 14px; }
.why-card h3 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 9px;
}
.why-card p {
  color: var(--text-mid);
  font-size: 0.93rem;
  line-height: 1.65;
}

/* ============================================================
   CARRIERS
   ============================================================ */
.carriers {
  padding: 80px 0;
  background: var(--off-white);
}
.carriers-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
  margin-bottom: 24px;
}
.carrier-pill {
  background: var(--white);
  border: 2px solid var(--navy);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.93rem;
  padding: 11px 26px;
  border-radius: 100px;
  transition: background 0.2s, color 0.2s;
  cursor: default;
}
.carrier-pill:hover {
  background: var(--navy);
  color: var(--white);
}
.carriers-note {
  text-align: center;
  color: var(--text-mid);
  font-size: 0.95rem;
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.65;
}

/* ============================================================
   STATES
   ============================================================ */
.states {
  padding: 80px 0;
  background: var(--white);
}
.states-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  justify-content: center;
}
.state-card {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 26px 34px;
  text-align: center;
  min-width: 130px;
  transition: transform 0.2s, background 0.2s;
  cursor: default;
}
.state-card:hover {
  transform: translateY(-4px);
  background: var(--navy-mid);
}
.state-abbr {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 900;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 7px;
}
.state-name {
  color: rgba(255,255,255,0.75);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* ============================================================
   CONTACT
   ============================================================ */
.contact {
  padding: 96px 0;
  background: linear-gradient(155deg, var(--navy) 0%, #0D3260 100%);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}
.contact-copy .section-eyebrow { color: var(--gold-light); }
.contact-copy h2 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 2.5vw, 2.3rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}
.contact-copy > p {
  color: rgba(255,255,255,0.7);
  font-size: 1.02rem;
  margin-bottom: 24px;
  line-height: 1.7;
}
.contact-promises {
  list-style: none;
  margin-bottom: 36px;
}
.contact-promises li {
  color: rgba(255,255,255,0.8);
  font-size: 0.95rem;
  font-weight: 500;
  padding: 9px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.contact-promises li:last-child { border-bottom: none; }
.contact-headshot-wrap {
  display: flex;
  align-items: center;
  gap: 14px;
}
.contact-headshot {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center top;
  border: 2px solid var(--gold);
  flex-shrink: 0;
}
.contact-id strong {
  display: block;
  color: var(--white);
  font-size: 0.97rem;
}
.contact-id span {
  font-size: 0.8rem;
  color: var(--gold-light);
  font-weight: 500;
}
.contact-email {
  display: block;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  margin-top: 3px;
  transition: color 0.2s;
}
.contact-email:hover { color: var(--gold-light); }

/* Form */
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 38px 34px;
  box-shadow: 0 28px 72px rgba(0,0,0,0.28);
}
.form-card h3 {
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  margin-bottom: 26px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: 0.83rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 5px;
  letter-spacing: 0.01em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  outline: none;
  -webkit-appearance: none;
  appearance: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%234A5E72' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(10,39,68,0.08);
}
.form-group textarea { resize: vertical; min-height: 76px; }
.form-disclaimer {
  font-size: 0.73rem;
  color: var(--text-light);
  text-align: center;
  margin-top: 12px;
  line-height: 1.5;
}

/* Success state */
.form-success {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 56px 34px;
  text-align: center;
  box-shadow: 0 28px 72px rgba(0,0,0,0.28);
}
.success-icon {
  width: 60px; height: 60px;
  background: #22C55E;
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.7rem;
  font-weight: 700;
  margin: 0 auto 18px;
}
.form-success h3 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 10px;
}
.form-success p { color: var(--text-mid); font-size: 1rem; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 48px 40px;
}
.footer-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: flex;
  align-items: flex-start;
  gap: 40px;
  flex-wrap: wrap;
}
.footer-logo img {
  height: 48px;
  width: auto;
  background: var(--white);
  border-radius: 6px;
  padding: 4px 8px;
  flex-shrink: 0;
}
.footer-text { flex: 1; min-width: 240px; }
.footer-text p {
  color: rgba(255,255,255,0.5);
  font-size: 0.84rem;
  line-height: 1.6;
  margin-bottom: 4px;
}
.footer-states { color: rgba(255,255,255,0.38) !important; }
.footer-disclaimer {
  font-size: 0.74rem !important;
  color: rgba(255,255,255,0.28) !important;
  margin-top: 8px !important;
}

/* ============================================================
   SCROLL ANIMATIONS
   ============================================================ */
.fade-in-target {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.fade-in-target.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================================
   RESPONSIVE — TABLET  (≤1024px)
   ============================================================ */
@media (max-width: 1024px) {
  .hero-inner {
    padding: 64px 40px;
    gap: 40px;
  }
  .hero-img-frame {
    width: 280px;
    height: 360px;
  }
  .hero-card { left: -20px; bottom: -14px; }

  .about-grid { gap: 48px; }
  .contact-grid { gap: 48px; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ============================================================
   RESPONSIVE — MOBILE  (≤768px)
   ============================================================ */
@media (max-width: 768px) {
  :root { --nav-h: 64px; }

  /* Nav */
  .nav-inner { padding: 0 20px; }
  .nav-links  { display: none; }
  .hamburger  { display: flex; }

  /* Hero — stack vertically, centre everything */
  .hero-inner {
    flex-direction: column-reverse;
    align-items: center;
    text-align: center;
    padding: 48px 20px 64px;
    gap: 36px;
  }
  .hero-content { max-width: 100%; }
  .hero-sub { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .trust-bar { justify-content: center; }
  .hero-img-frame { width: 240px; height: 300px; }
  .hero-card { left: -12px; bottom: -12px; }

  /* Burden */
  .burden-section { padding: 56px 20px; }
  .burden-inner {
    flex-direction: column;
    text-align: center;
    gap: 32px;
  }
  .burden-divider { width: 60px; height: 1px; }
  .stat-label { margin: 8px auto 0; }

  /* About */
  .about { padding: 72px 0; }
  .about-grid { grid-template-columns: 1fr; gap: 36px; }
  .about-stats { justify-content: center; }

  /* Why */
  .why { padding: 72px 0; }
  .why-grid { grid-template-columns: 1fr; gap: 16px; }

  /* Carriers / States */
  .carriers, .states { padding: 64px 0; }
  .section-header { margin-bottom: 36px; }

  /* Contact */
  .contact { padding: 72px 0; }
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .form-card { padding: 28px 20px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }

  /* Footer */
  .footer { padding: 40px 20px; }
  .footer-inner { flex-direction: column; gap: 20px; }
}

/* ============================================================
   RESPONSIVE — SMALL MOBILE  (≤480px)
   ============================================================ */
@media (max-width: 480px) {
  .hero-actions { flex-direction: column; width: 100%; }
  .btn-primary, .btn-ghost { width: 100%; text-align: center; }
  .trust-bar { flex-direction: column; align-items: center; gap: 8px; }
  .states-grid { flex-direction: column; align-items: center; }
  .state-card { width: 100%; max-width: 180px; }
  .carriers-grid { gap: 8px; }
  .carrier-pill { font-size: 0.85rem; padding: 9px 18px; }
  .about-stats { gap: 16px; }
}