:root{
  --pine:#1E3A34; --forest:#2C5347; --sage:#7FA895; --sage-soft:#A6C4B4;
  --mist:#E4EEE7; --bone:#F2F5F1; --paper:#FBFCFA; --gold:#D99A45; --gold-deep:#B87E32;
  --ink:#17231F; --soft:#586A62; --line:#DBE4DC; --white:#fff;
  --r:6px; --r-lg:8px; --shadow:0 18px 50px -24px rgba(23,35,31,.35);
  --wrap:1240px; --serif:'Newsreader',Georgia,serif; --sans:'Manrope',system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bone);color:var(--ink);font-family:var(--sans);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 28px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.1;letter-spacing:-.005em;color:var(--pine)}
h1 em,h2 em{font-style:normal;font-weight:600;color:var(--gold-deep)}
.eyebrow{font-size:12.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--sage);display:inline-block}
.lead{font-size:18px;color:var(--soft)}
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:15px;padding:13px 22px;border-radius:var(--r);border:1.5px solid transparent;cursor:pointer;transition:.2s}
.btn i{width:18px;height:18px}
.btn-gold{background:var(--forest);color:#fff;box-shadow:0 12px 26px -14px rgba(30,58,52,.55)}
.btn-gold:hover{background:var(--pine);color:#fff;transform:translateY(-1px)}
.btn-ghost{border-color:var(--line);color:var(--pine);background:transparent}
.btn-ghost:hover{border-color:var(--sage);background:var(--white)}
.btn-dark{background:var(--pine);color:#fff}
.btn-dark:hover{background:var(--ink)}
i[data-lucide]{stroke-width:1.75}

/* ---------- top utility bar ---------- */
.topbar{background:var(--forest);color:#cfe0d8;font-size:13px}
.tb{display:flex;align-items:center;justify-content:space-between;height:42px;gap:16px}
.tb-phone{display:inline-flex;align-items:center;gap:7px;font-weight:600;color:#fff}
.tb-phone i,.tb-phone svg{width:14px;height:14px;color:var(--gold)}
.tb-links{display:flex;gap:24px}
.tb-links a{display:inline-flex;align-items:center;gap:6px;color:#cfe0d8}
.tb-links a:hover{color:#fff}
.tb-links a i,.tb-links a svg{width:14px;height:14px;color:var(--sage-soft)}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:40;background:rgba(242,245,241,.82);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:20px;height:76px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--serif);font-weight:600;font-size:19px;color:var(--pine);justify-self:start}
.brand .mark{width:42px;height:42px;border-radius:7px;background:linear-gradient(150deg,var(--forest),var(--sage));display:grid;place-items:center;color:#fff;box-shadow:inset 0 0 0 1px rgba(255,255,255,.15)}
.brand .mark i{width:22px;height:22px}
.brand small{display:block;font-family:var(--sans);font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--sage)}
.nav .links{display:flex;gap:28px;justify-self:center;list-style:none}
.nav .links a{font-size:14.5px;font-weight:500;color:var(--soft);padding:6px 0}
.nav .links a:hover{color:var(--pine)}
.nav .actions{justify-self:end;display:flex;align-items:center;gap:12px}
.nav .actions .btn-gold{padding:12px 20px;font-size:14px;box-shadow:0 4px 12px -9px rgba(30,58,52,.4)}
.menu-btn{display:none;background:none;border:0;color:var(--pine)}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;padding:72px 0 86px;background:var(--white)}
.dawn{position:absolute;left:50%;top:38%;transform:translateX(-50%);width:1500px;height:1500px;border-radius:50%;
  background:radial-gradient(circle at 50% 50%, rgba(217,154,69,.20), rgba(217,154,69,.09) 32%, rgba(166,196,180,.10) 52%, transparent 62%);z-index:0;pointer-events:none}
.dawn-line{position:absolute;left:0;right:0;top:38%;height:1px;background:linear-gradient(90deg,transparent,rgba(217,154,69,.5),transparent);z-index:0}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(38px,5.4vw,62px);margin:20px 0 22px}
.hero .lead{max-width:480px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 22px}
.trustline{display:flex;align-items:center;gap:9px;color:var(--soft);font-size:14px}
.trustline i{width:17px;height:17px;color:var(--sage)}
.hero-media{position:relative}
.hero-media .frame{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);border:6px solid var(--white);aspect-ratio:10/11;background:var(--mist)}
.hero-media .frame img{width:100%;height:100%;object-fit:cover}
.cred{position:absolute;left:-24px;bottom:34px;background:var(--white);border-radius:var(--r);padding:13px 16px;box-shadow:var(--shadow);display:flex;align-items:center;gap:12px;max-width:270px}
.cred .ic{width:42px;height:42px;border-radius:6px;background:var(--mist);display:grid;place-items:center;color:var(--forest);flex:none}
.cred b{font-family:var(--serif);font-size:14.5px;color:var(--pine);display:block;line-height:1.2;margin-bottom:2px}
.cred span{font-size:12.5px;color:var(--soft);line-height:1.3;display:block}

/* ---------- reassurance strip ---------- */
.strip{background:var(--pine);color:#dfe9e3}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;padding:22px 28px}
.strip .item{display:flex;align-items:center;gap:11px;justify-content:center;font-size:14.5px;font-weight:500}
.strip .item i{width:19px;height:19px;color:var(--gold)}
.strip .item + .item{border-left:1px solid rgba(255,255,255,.1)}

/* ---------- section base ---------- */
.section{padding:96px 0}
.sec-head{max-width:640px;margin-bottom:52px}
.sec-head.center{margin-inline:auto;text-align:center}
.sec-head h2{font-size:clamp(30px,3.6vw,44px);margin:16px 0 14px}
.sec-head.center .eyebrow{justify-content:center}

/* ---------- services ---------- */
.services{background:var(--paper)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;transition:.25s;display:block}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.card .ic{width:52px;height:52px;border-radius:7px;background:var(--mist);display:grid;place-items:center;color:var(--forest);margin-bottom:18px}
.card .ic i{width:25px;height:25px}
.card h3{font-size:21px;margin-bottom:9px}
.card p{color:var(--soft);font-size:15px;margin-bottom:16px}
.card .more{display:inline-flex;align-items:center;gap:6px;color:var(--gold-deep);font-weight:600;font-size:14px}
.card .more i{width:16px;height:16px;transition:.2s}
.card:hover .more i{transform:translateX(3px)}

/* ---------- approach / steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.step{position:relative;padding-top:26px}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:15px;font-weight:600;color:var(--gold-deep);position:absolute;top:0;left:0}
.step .bar{height:2px;background:var(--line);margin-bottom:20px;position:relative}
.step .bar::after{content:"";position:absolute;left:0;top:0;height:2px;width:34px;background:var(--gold)}
.step h3{font-size:20px;margin-bottom:8px}
.step p{color:var(--soft);font-size:14.5px}

/* ---------- about ---------- */
.about{background:var(--white)}
.about-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:60px;align-items:center}
.about-media{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);border:6px solid var(--white);aspect-ratio:5/6;background:var(--sage-soft)}
.about-media img{width:100%;height:100%;object-fit:cover}
.about h2{font-size:clamp(28px,3.4vw,40px);margin:16px 0 18px}
.about p{color:#3f5249;margin-bottom:16px;font-size:16.5px}
.vals{display:grid;grid-template-columns:1fr 1fr;gap:22px 26px;margin-top:28px}
.val{display:flex;gap:13px;align-items:flex-start}
.val .vi{width:38px;height:38px;border-radius:7px;background:var(--mist);border:1px solid var(--line);display:grid;place-items:center;color:var(--forest);flex:none}
.val .vi i,.val .vi svg{width:19px;height:19px}
.val b{font-family:var(--serif);font-size:16px;color:var(--pine);display:block;margin-bottom:3px;line-height:1.25}
.val span{font-size:14px;color:var(--soft);display:block;line-height:1.4}

/* ---------- insurance band ---------- */
.band{background:linear-gradient(120deg,var(--gold),#E4B265);color:#2b1d05;border-radius:var(--r-lg);padding:50px 54px;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;box-shadow:0 30px 60px -34px rgba(184,126,50,.7)}
.band h2{color:#2b1d05;font-size:clamp(26px,3vw,36px);max-width:620px}
.band p{color:#4a3a17;margin-top:8px;font-weight:500}

/* ---------- testimonial ---------- */
.quote{background:var(--pine);color:#eaf1ed;text-align:center}
.quote .mark{font-family:var(--serif);font-size:64px;color:var(--gold);line-height:.5;display:block;margin-bottom:10px}
.quote blockquote{font-family:var(--serif);font-weight:500;font-size:clamp(24px,3.2vw,36px);line-height:1.32;max-width:900px;margin:0 auto 26px;color:#fff}
.quote blockquote em{color:var(--gold);font-style:italic}
.quote .who{font-size:14px;color:var(--sage-soft);letter-spacing:.04em}

/* ---------- faq ---------- */
.faqs{background:var(--paper)}
.faq{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:20px 24px;font-family:var(--serif);font-size:18px;font-weight:600;color:var(--pine);display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq .pl{width:20px;height:20px;flex:none;position:relative}
.faq .pl::before,.faq .pl::after{content:"";position:absolute;background:var(--gold-deep);border-radius:2px}
.faq .pl::before{left:0;right:0;top:9px;height:2px}
.faq .pl::after{top:0;bottom:0;left:9px;width:2px;transition:.2s}
.faq details[open] .pl::after{transform:scaleY(0)}
.faq details .ans{padding:0 24px 22px;color:var(--soft);font-size:15px;line-height:1.65}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:56px;align-items:start}
.cinfo .row:first-child{padding-top:2px}
.cinfo .row{display:flex;gap:15px;padding:18px 0;border-bottom:1px solid var(--line)}
.cinfo .row i{width:22px;height:22px;color:var(--gold-deep);flex:none;margin-top:3px}
.cinfo .row b{font-family:var(--serif);font-size:16px;color:var(--pine);display:block}
.cinfo .row a,.cinfo .row span{color:var(--soft);font-size:15px}
.cinfo .row a:hover{color:var(--gold-deep)}
.form{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:30px}
.form h3{font-size:23px;margin-bottom:6px}
.form p{color:var(--soft);font-size:14px;margin-bottom:20px}
.field{margin-bottom:15px}
.field label{display:block;font-size:13px;font-weight:600;color:var(--pine);margin-bottom:6px}
.field input,.field textarea{width:100%;border:1.5px solid var(--line);border-radius:var(--r);padding:12px 14px;font:inherit;font-size:15px;background:var(--paper)}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--sage)}
.form .btn-gold{width:100%;justify-content:center;margin-top:6px}
.confid{display:flex;gap:8px;align-items:center;color:var(--soft);font-size:12.5px;margin-top:14px}
.confid i{width:15px;height:15px;color:var(--sage)}

/* ---------- page hero (inner pages) ---------- */
.page-hero{background:var(--white);border-bottom:1px solid var(--line);padding:64px 0 56px;position:relative;overflow:hidden}
.page-hero h1{font-size:clamp(32px,4.4vw,52px);max-width:820px}
.page-hero .lead{margin-top:16px;max-width:620px}
.page-body{padding:72px 0}
.prose{max-width:760px;font-size:16.5px;color:#3f5249}
.prose h2{font-size:28px;margin:34px 0 14px}
.prose h3{font-size:21px;margin:26px 0 10px}
.prose p{margin-bottom:16px}
.prose ul{margin:0 0 16px 22px}
.prose a{color:var(--gold-deep);text-decoration:underline}

/* ---------- footer ---------- */
.site-footer{background:var(--ink);color:#b9c7c0;padding:64px 0 30px}
.crisis{background:rgba(217,154,69,.12);border:1px solid rgba(217,154,69,.3);border-radius:var(--r);padding:16px 20px;display:flex;gap:12px;align-items:center;margin-bottom:44px;color:#e9dcc4;font-size:14.5px;flex-wrap:wrap}
.crisis i{width:20px;height:20px;color:var(--gold);flex:none}
.crisis b{color:#fff}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:36px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.09)}
.fgrid h4{font-family:var(--sans);font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--sage);margin-bottom:16px;font-weight:700}
.fgrid a{display:block;color:#b9c7c0;font-size:14.5px;padding:5px 0}
.fgrid a:hover{color:#fff}
.fbrand p{margin-top:14px;font-size:14px;max-width:280px;color:#93a49c}
.fname{font-family:var(--serif);font-weight:600;font-size:20px;color:#fff;line-height:1.15}
.fname small{display:block;font-family:var(--sans);font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--sage);margin-top:3px}
.fsocial{display:flex;gap:10px;margin-top:20px}
.fsocial a{display:grid;place-items:center;width:38px;height:38px;padding:0;border-radius:50%;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#dfe8e3;transition:background .2s,color .2s,border-color .2s}
.fsocial a:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}
.fsocial a svg{width:17px;height:17px;display:block}
.finfo a{display:flex;align-items:flex-start;gap:10px}
.finfo a i,.finfo a svg{width:15px;height:15px;stroke-width:1.6px;color:var(--sage);flex:none;margin-top:4px}
.fbot{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:24px;font-size:12.5px;color:#7d8e86}

/* ---------- motion ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* ---------- responsive ---------- */
@media(max-width:960px){
  .hero-grid,.about-grid,.contact-grid{grid-template-columns:1fr;gap:40px}
  .hero-media{max-width:440px;margin:0 auto}
  .grid3{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .strip .wrap{grid-template-columns:1fr 1fr;gap:16px}
  .strip .item+.item{border-left:0}
}
@media(max-width:640px){
  .topbar{display:none}
  .nav{grid-template-columns:1fr auto}
  .nav .links{display:none}
  .menu-btn{display:grid}
  .grid3,.steps,.strip .wrap,.vals{grid-template-columns:1fr}
  .section{padding:64px 0}
  .cred{left:8px}
}