/* =============================================================
   Term Insurance Brokers — Main Stylesheet
   Converted from redesign-v4.html
   ============================================================= */

:root {
  --navy:       #0B1F4B;
  --navy-mid:   #142A62;
  --navy-light: #1C3A80;
  --gold:       #C8922A;
  --gold-light: #E8AE4A;
  --gold-pale:  #FDF3DC;
  --green:      #1A7A4A;
  --green-hover:#156039;
  --red:        #C0392B;
  --white:      #FFFFFF;
  --off-white:  #F6F8FB;
  --gray-100:   #EEF0F5;
  --gray-300:   #C8CDD8;
  --gray-500:   #7A8099;
  --gray-700:   #3D4360;
  --text:       #121828;
  --shadow-sm:  0 2px 8px rgba(11,31,75,0.08);
  --shadow-md:  0 8px 30px rgba(11,31,75,0.13);
  --shadow-lg:  0 20px 60px rgba(11,31,75,0.18);
}

*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior: smooth; }
body { font-family:'DM Sans',sans-serif; color:var(--text); background:var(--white); overflow-x:hidden; }
img { max-width:100%; height:auto; }
a { color:inherit; }

/* ── ANNOUNCEMENT BAR ── */
.topbar {
  background: var(--navy);
  border-bottom: 1px solid rgba(200,146,42,0.3);
  padding: 9px 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 12.5px;
  color: rgba(255,255,255,0.75);
}
.topbar-left { display:flex; gap:24px; align-items:center; }
.topbar-left span { display:flex; align-items:center; gap:6px; }
.topbar-right a {
  color: var(--gold-light);
  text-decoration: none;
  font-weight: 600;
  font-size: 12.5px;
  display: flex;
  align-items: center;
  gap: 5px;
}
.topbar-right a:hover { color:var(--white); }

/* ── HEADER ── */
header {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 900;
  box-shadow: var(--shadow-md);
  border-bottom: 3px solid var(--gold);
}
.header-inner {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 20px;
}
.logo { display:flex; align-items:center; text-decoration:none; flex-shrink:0; }
.logo img { height:52px; width:auto; }

nav { display:flex; align-items:center; gap:2px; flex:1; justify-content:center; }
nav a {
  color: var(--gray-700);
  text-decoration: none;
  font-size: 13.5px;
  font-weight: 500;
  padding: 8px 11px;
  border-radius: 6px;
  transition: all 0.18s;
  white-space: nowrap;
}
nav a:hover { color:var(--navy); background:var(--off-white); }
nav a.highlight { color:var(--navy); font-weight:600; }

.header-right { display:flex; align-items:center; gap:14px; flex-shrink:0; }
.header-phone {
  display: flex; align-items:center; gap:7px;
  color: var(--navy);
  text-decoration: none;
  font-size: 15px;
  font-weight: 700;
  white-space: nowrap;
}
.header-phone .phone-icon {
  width: 32px; height:32px;
  background: var(--gold-pale);
  border-radius: 50%;
  display:flex; align-items:center; justify-content:center;
}

/* Mobile hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all 0.2s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav drawer */
.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--gray-100);
  padding: 12px 0;
}
.mobile-nav a {
  padding: 12px 30px;
  font-size: 15px;
  font-weight: 500;
  color: var(--gray-700);
  text-decoration: none;
  border-bottom: 1px solid var(--gray-100);
  transition: background 0.15s;
}
.mobile-nav a:hover { background: var(--off-white); }
.mobile-nav a.mobile-phone { color: var(--navy); font-weight: 700; }
.mobile-nav.open { display: flex; }

/* ── BUTTONS ── */
.btn-green {
  background: var(--green);
  color: var(--white);
  padding: 10px 20px;
  border-radius: 7px;
  font-size: 13.5px;
  font-weight: 700;
  text-decoration: none;
  transition: all 0.18s;
  white-space: nowrap;
  letter-spacing: 0.2px;
  border: none; cursor:pointer;
}
.btn-green:hover { background:var(--green-hover); transform:translateY(-1px); box-shadow:0 6px 18px rgba(26,122,74,0.3); }

.btn-gold {
  background:var(--gold);
  color:var(--white);
  padding:13px 26px;
  border-radius:7px;
  font-size:14.5px;
  font-weight:700;
  text-decoration:none;
  transition:all 0.18s;
  letter-spacing:0.2px;
  display:inline-flex; align-items:center; gap:8px;
}
.btn-gold:hover { background:var(--gold-light); transform:translateY(-1px); box-shadow:0 8px 22px rgba(200,146,42,0.35); }

.btn-white {
  background:var(--white);
  color:var(--green);
  padding:13px 26px;
  border-radius:7px;
  font-size:14.5px; font-weight:700;
  text-decoration:none;
  display:inline-flex; align-items:center; gap:8px;
  transition:all 0.18s;
}
.btn-white:hover { background:var(--off-white); transform:translateY(-1px); box-shadow:0 8px 22px rgba(0,0,0,0.15); }

.btn-outline-white {
  background:transparent;
  color:var(--white);
  border:2px solid rgba(255,255,255,0.5);
  padding:12px 24px;
  border-radius:7px;
  font-size:14.5px; font-weight:600;
  text-decoration:none;
  display:inline-flex; align-items:center; gap:8px;
  transition:all 0.18s;
}
.btn-outline-white:hover { background:rgba(255,255,255,0.1); border-color:white; }

/* ── HERO ── */
.hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 620px;
  position: relative;
  overflow: hidden;
}
.hero-left {
  background: linear-gradient(150deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 72px 56px 72px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.hero-left::after {
  content:'';
  position:absolute;
  bottom:-80px; right:-80px;
  width:320px; height:320px;
  border:1px solid rgba(200,146,42,0.08);
  border-radius:50%;
  pointer-events:none;
}
.hero-eyebrow {
  display:inline-flex; align-items:center; gap:8px;
  background:rgba(200,146,42,0.12);
  border:1px solid rgba(200,146,42,0.3);
  color:var(--gold-light);
  padding:5px 13px;
  border-radius:100px;
  font-size:11px; font-weight:600;
  letter-spacing:1.2px; text-transform:uppercase;
  margin-bottom:22px;
  width: fit-content;
}
.hero-eyebrow::before { content:''; width:6px; height:6px; background:var(--gold-light); border-radius:50%; flex-shrink:0; }
.hero-title {
  font-family:'Playfair Display',serif;
  font-size: clamp(30px, 3.2vw, 46px);
  font-weight:700; color:var(--white);
  line-height:1.13; margin-bottom:18px;
  letter-spacing:-0.3px;
}
.hero-title .accent { color:var(--gold-light); }
.hero-title em { font-style:normal; }
.hero-desc {
  font-size:16px; color:rgba(255,255,255,0.6);
  line-height:1.72; margin-bottom:36px;
  font-weight:300; max-width:420px;
}
.hero-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.hero-stat-badge {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 10px;
  padding: 14px 16px;
  display: flex; align-items: center; gap: 12px;
}
.hero-stat-badge .icon {
  width: 36px; height: 36px;
  background: rgba(200,146,42,0.15);
  border-radius: 8px;
  display: flex; align-items:center; justify-content:center;
  flex-shrink: 0;
}
.hero-stat-badge .icon svg { color: var(--gold-light); }
.hero-stat-badge .num {
  font-family:'Playfair Display',serif;
  font-size:20px; font-weight:700;
  color:var(--white); display:block; line-height:1;
}
.hero-stat-badge .lbl {
  font-size:11px; color:rgba(255,255,255,0.45);
  display:block; margin-top:2px;
}
.hero-right { position: relative; display: flex; flex-direction: column; }
.hero-photo {
  position: absolute; inset: 0;
  background-image: url('https://images.unsplash.com/photo-1591604021695-0c69b7c05981?w=900&q=80&fit=crop');
  background-size: cover;
  background-position: center top;
}
.hero-photo::after {
  content:''; position:absolute; inset:0;
  background: linear-gradient(to bottom, rgba(11,31,75,0.15) 0%, rgba(11,31,75,0.1) 40%, rgba(11,31,75,0.65) 75%, rgba(11,31,75,0.92) 100%);
}
.hero-form-wrap {
  position: relative; z-index: 2;
  margin-top: auto;
  padding: 24px 28px 28px;
}
.hero-call-cta {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  margin-top: 14px; padding: 13px 20px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 8px;
  text-decoration: none; transition: all 0.18s;
}
.hero-call-cta:hover { background: rgba(255,255,255,0.13); border-color: rgba(200,146,42,0.4); }
.hero-call-cta .call-icon {
  width: 34px; height: 34px; background: var(--gold);
  border-radius: 50%; display: flex; align-items:center; justify-content:center; flex-shrink: 0;
}
.hero-call-cta .call-text { display: flex; flex-direction: column; }
.hero-call-cta .call-label { font-size: 10.5px; font-weight: 600; color: rgba(255,255,255,0.5); letter-spacing: 0.8px; text-transform: uppercase; line-height: 1; }
.hero-call-cta .call-number { font-size: 17px; font-weight: 700; color: var(--white); letter-spacing: 0.3px; line-height: 1.3; }
.hero-call-cta .call-hours { font-size: 10.5px; color: rgba(255,255,255,0.4); margin-left: auto; text-align: right; line-height: 1.4; }

/* ── QUOTE CARD ── */
.quote-card {
  background: rgba(255,255,255,0.97);
  border-radius: 12px; padding: 24px 26px 20px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.35);
  position: relative; backdrop-filter: blur(8px);
}
.quote-card-top { margin-bottom: 18px; border-bottom: 1px solid var(--gray-100); padding-bottom: 14px; }
.quote-card-top p { color: var(--green); font-size: 11px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; margin-bottom: 2px; }
.quote-card-top h3 { font-family:'Playfair Display',serif; font-size: 19px; color: var(--navy); }
.form-row { display:grid; grid-template-columns:1fr 1fr; gap:12px; }
.form-group { margin-bottom:14px; }
.form-group.full { grid-column:span 2; }
.form-group label { display:block; font-size:11px; font-weight:600; color:var(--gray-700); letter-spacing:0.7px; text-transform:uppercase; margin-bottom:5px; }
.form-group input, .form-group select {
  width:100%; padding:11px 14px;
  border:1.5px solid var(--gray-100); border-radius:7px;
  font-size:14px; font-family:'DM Sans',sans-serif;
  color:var(--text); background:var(--off-white);
  transition:border-color 0.18s; outline:none; -webkit-appearance:none;
}
.form-group input:focus, .form-group select:focus { border-color:var(--navy); background:var(--white); }
.btn-submit {
  width:100%; background:var(--green); color:var(--white);
  padding:14px; border-radius:7px;
  font-size:15px; font-weight:700; font-family:'DM Sans',sans-serif;
  border:none; cursor:pointer; transition:all 0.18s;
  letter-spacing:0.3px;
  display:flex; align-items:center; justify-content:center; gap:8px;
  margin-top:4px;
}
.btn-submit:hover { background:var(--green-hover); transform:translateY(-1px); box-shadow:0 8px 22px rgba(26,122,74,0.35); }
.form-disclaimer { text-align:center; font-size:11px; color:var(--gray-500); margin-top:10px; line-height:1.5; }

/* ── TRUST STRIP ── */
.trust-strip { background:var(--off-white); border-top:1px solid var(--gray-100); border-bottom:1px solid var(--gray-100); padding:18px 30px; }
.trust-strip-inner { max-width:1240px; margin:0 auto; display:flex; align-items:center; justify-content:center; gap:40px; flex-wrap:wrap; }
.trust-item { display:flex; align-items:center; gap:9px; font-size:13px; font-weight:500; color:var(--gray-700); }
.trust-item svg { color:var(--green); flex-shrink:0; }

/* ── SECTION BASE ── */
section { padding:80px 30px; }
.section-inner { max-width:1240px; margin:0 auto; }
.section-label { font-size:11.5px; font-weight:600; color:var(--gold); letter-spacing:2px; text-transform:uppercase; margin-bottom:10px; }
.section-title { font-family:'Playfair Display',serif; font-size:clamp(26px,3vw,38px); font-weight:700; color:var(--navy); line-height:1.2; margin-bottom:16px; }
.section-desc { font-size:16px; color:var(--gray-500); line-height:1.7; max-width:560px; font-weight:300; }

/* ── WHY ── */
.why { background: var(--off-white); }
.why-header { text-align:center; margin-bottom:52px; }
.why-header .section-desc { margin:0 auto; }
.why-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.why-card { background:var(--white); border-radius:14px; padding:34px 28px; text-align:center; border:1.5px solid var(--gray-100); transition:all 0.22s; position:relative; overflow:hidden; }
.why-card:hover { transform:translateY(-4px); box-shadow:var(--shadow-md); border-color:var(--gold); }
.why-card::after { content:''; position:absolute; bottom:0; left:0; right:0; height:3px; background:linear-gradient(to right, var(--gold), var(--gold-light)); opacity:0; transition:opacity 0.22s; }
.why-card:hover::after { opacity:1; }
.why-icon { width:60px; height:60px; background:linear-gradient(135deg, var(--navy), var(--navy-light)); border-radius:14px; display:flex; align-items:center; justify-content:center; margin:0 auto 20px; }
.why-title { font-family:'Playfair Display',serif; font-size:17px; font-weight:700; color:var(--navy); margin-bottom:10px; }
.why-desc { font-size:14px; color:var(--gray-500); line-height:1.7; }

/* ── SERVICES ── */
.services { background:var(--white); }
.services-header { text-align:center; margin-bottom:52px; }
.services-header .section-desc { margin:0 auto; }
.services-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.service-card { border:1.5px solid var(--gray-100); border-radius:12px; padding:30px 28px; transition:all 0.22s; position:relative; overflow:hidden; background:var(--white); }
.service-card::before { content:''; position:absolute; top:0; left:0; right:0; height:3px; background:linear-gradient(to right,var(--navy),var(--navy-light)); opacity:0; transition:opacity 0.22s; }
.service-card:hover { border-color:var(--navy-light); box-shadow:var(--shadow-md); transform:translateY(-3px); }
.service-card:hover::before { opacity:1; }
.service-icon { width:48px; height:48px; background:var(--off-white); border-radius:10px; display:flex; align-items:center; justify-content:center; margin-bottom:18px; transition:background 0.22s; }
.service-card:hover .service-icon { background:var(--navy); }
.service-card:hover .service-icon svg { color:var(--white) !important; stroke:var(--white) !important; }
.service-name { font-family:'Playfair Display',serif; font-size:18px; font-weight:700; color:var(--navy); margin-bottom:9px; }
.service-desc { font-size:14px; color:var(--gray-500); line-height:1.65; margin-bottom:18px; }
.service-link { color:var(--green); font-size:13.5px; font-weight:600; text-decoration:none; display:flex; align-items:center; gap:5px; transition:gap 0.18s; }
.service-link:hover { gap:9px; }

/* ── HOW IT WORKS ── */
.howitworks { background:var(--navy); }
.howitworks .section-title { color:var(--white); }
.howitworks .section-desc { color:rgba(255,255,255,0.5); }
.howitworks .section-label { color:var(--gold-light); }
.howitworks-header { margin-bottom:52px; }
.steps-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:30px; position:relative; }
.steps-grid::before { content:''; position:absolute; top:28px; left:calc(12.5% + 14px); right:calc(12.5% + 14px); height:1px; background:linear-gradient(to right,transparent,rgba(200,146,42,0.3),transparent); }
.step { text-align:center; }
.step-num { width:56px; height:56px; background:rgba(200,146,42,0.12); border:1px solid rgba(200,146,42,0.3); border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 18px; font-family:'Playfair Display',serif; font-size:20px; font-weight:700; color:var(--gold-light); position:relative; z-index:1; }
.step-title { font-size:15px; font-weight:600; color:var(--white); margin-bottom:8px; }
.step-desc { font-size:13.5px; color:rgba(255,255,255,0.45); line-height:1.6; }

/* ── CARRIERS ── */
.carriers { background:var(--off-white); }
.carriers-header { text-align:center; margin-bottom:44px; }
.carriers-grid { display:flex; flex-wrap:wrap; align-items:center; justify-content:center; gap:20px; }
.carrier-logo { background:var(--white); border:1.5px solid var(--gray-100); border-radius:10px; padding:14px 20px; display:flex; align-items:center; justify-content:center; transition:all 0.18s; min-width:130px; min-height:70px; }
.carrier-logo img { max-height:44px; max-width:130px; width:auto; height:auto; object-fit:contain; filter:grayscale(20%); transition:filter 0.18s; }
.carrier-logo:hover { border-color:var(--navy-light); box-shadow:var(--shadow-sm); }
.carrier-logo:hover img { filter:grayscale(0%); }

/* ── TESTIMONIALS ── */
.testimonials { background:var(--white); }
.testimonials-header { text-align:center; margin-bottom:48px; }
.testi-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.testi-card { border:1.5px solid var(--gray-100); border-radius:12px; padding:28px; position:relative; }
.testi-stars { color:var(--gold); font-size:16px; margin-bottom:14px; letter-spacing:2px; }
.testi-text { font-size:14.5px; color:var(--gray-700); line-height:1.7; margin-bottom:20px; font-style:italic; }
.testi-author { display:flex; align-items:center; gap:12px; }
.testi-avatar { width:40px; height:40px; background:var(--navy); border-radius:50%; display:flex; align-items:center; justify-content:center; font-family:'Playfair Display',serif; font-size:16px; font-weight:700; color:var(--gold-light); flex-shrink:0; }
.testi-name { font-size:14px; font-weight:600; color:var(--navy); }
.testi-loc { font-size:12px; color:var(--gray-500); }

/* ── ADVISORS ── */
.advisors { background:var(--white); }
.advisors-header { text-align:center; margin-bottom:52px; }
.advisors-header .section-desc { margin:0 auto; }
.advisors-grid { display:grid; grid-template-columns:1fr 1fr; gap:32px; max-width:860px; margin:0 auto; }
.advisor-card { border:1.5px solid var(--gray-100); border-radius:16px; overflow:hidden; transition:all 0.22s; }
.advisor-card:hover { box-shadow:var(--shadow-md); transform:translateY(-3px); }
.advisor-top { background:linear-gradient(135deg, var(--navy), var(--navy-light)); padding:32px 28px 24px; text-align:center; }
.advisor-avatar { width:80px; height:80px; background:var(--gold); border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 14px; font-family:'Playfair Display',serif; font-size:32px; font-weight:700; color:var(--navy); border:3px solid rgba(255,255,255,0.2); }
.advisor-name { font-family:'Playfair Display',serif; font-size:20px; font-weight:700; color:var(--white); margin-bottom:4px; }
.advisor-title { font-size:12px; font-weight:600; color:var(--gold-light); letter-spacing:1.2px; text-transform:uppercase; }
.advisor-body { padding:24px 28px; }
.advisor-specialty { display:flex; flex-wrap:wrap; gap:8px; margin-bottom:16px; }
.advisor-tag { background:var(--off-white); border:1px solid var(--gray-100); color:var(--gray-700); font-size:12px; font-weight:500; padding:4px 10px; border-radius:100px; }
.advisor-bio { font-size:14px; color:var(--gray-500); line-height:1.7; margin-bottom:20px; }
.advisor-contact { display:flex; align-items:center; gap:10px; text-decoration:none; background:var(--navy); color:var(--white); padding:11px 18px; border-radius:8px; font-size:14px; font-weight:600; transition:all 0.18s; justify-content:center; }
.advisor-contact:hover { background:var(--navy-light); }

/* ── REVIEWS ── */
.reviews { background:var(--off-white); }
.reviews-header { text-align:center; margin-bottom:48px; }
.reviews-header .section-desc { margin:0 auto; }
.reviews-summary { display:flex; align-items:center; justify-content:center; gap:20px; margin-bottom:40px; flex-wrap:wrap; }
.reviews-score { text-align:center; }
.reviews-score .big-num { font-family:'Playfair Display',serif; font-size:64px; font-weight:700; color:var(--navy); line-height:1; display:block; }
.reviews-score .stars { color:#F4B400; font-size:22px; letter-spacing:3px; display:block; margin:6px 0; }
.reviews-score .count { font-size:13px; color:var(--gray-500); }
.reviews-divider { width:1px; height:80px; background:var(--gray-300); }
.reviews-badges { display:flex; flex-direction:column; gap:10px; }
.reviews-badge { display:flex; align-items:center; gap:10px; font-size:13.5px; color:var(--gray-700); font-weight:500; }
.reviews-badge svg { color:var(--green); flex-shrink:0; }
.reviews-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.review-card { background:var(--white); border:1.5px solid var(--gray-100); border-radius:12px; padding:24px; transition:all 0.22s; position:relative; }
.review-card:hover { box-shadow:var(--shadow-md); transform:translateY(-2px); }
.review-card::before { content:'"'; position:absolute; top:16px; right:20px; font-family:'Playfair Display',serif; font-size:60px; color:var(--gray-100); line-height:1; }
.review-stars { color:#F4B400; font-size:15px; letter-spacing:2px; margin-bottom:12px; }
.review-text { font-size:14px; color:var(--gray-700); line-height:1.7; margin-bottom:18px; font-style:italic; }
.review-author { display:flex; align-items:center; gap:10px; }
.review-avatar { width:38px; height:38px; background:var(--navy); border-radius:50%; display:flex; align-items:center; justify-content:center; font-family:'Playfair Display',serif; font-size:15px; font-weight:700; color:var(--gold-light); flex-shrink:0; }
.review-name { font-size:13.5px; font-weight:600; color:var(--navy); }
.review-meta { font-size:11.5px; color:var(--gray-500); }
.google-badge { display:flex; align-items:center; justify-content:center; gap:8px; margin-top:32px; font-size:13px; color:var(--gray-500); }
.google-g { width:28px; height:28px; background:#4285F4; border-radius:50%; display:flex; align-items:center; justify-content:center; font-weight:700; color:white; font-size:14px; }

/* ── FAQ ── */
.faq { background:var(--white); }
.faq-inner { display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:start; }
.faq-list { margin-top:0; }
.faq-item { border-bottom:1px solid var(--gray-100); padding:20px 0; }
.faq-item:first-child { padding-top:0; }
.faq-q { font-size:15.5px; font-weight:600; color:var(--navy); margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; }
.faq-q::before { content:'Q'; width:24px; height:24px; background:var(--gold); border-radius:6px; display:flex; align-items:center; justify-content:center; font-size:11px; font-weight:800; color:var(--white); flex-shrink:0; margin-top:1px; }
.faq-a { font-size:14px; color:var(--gray-500); line-height:1.75; padding-left:36px; }
.faq-right { background:var(--navy); border-radius:16px; padding:40px; position:sticky; top:90px; }
.faq-cta-label { font-size:11px; font-weight:700; color:var(--gold-light); letter-spacing:2px; text-transform:uppercase; margin-bottom:12px; }
.faq-cta-title { font-family:'Playfair Display',serif; font-size:24px; font-weight:700; color:var(--white); margin-bottom:14px; line-height:1.25; }
.faq-cta-desc { font-size:14px; color:rgba(255,255,255,0.55); line-height:1.7; margin-bottom:28px; }
.faq-cta-btn { display:flex; align-items:center; justify-content:center; gap:8px; background:var(--green); color:var(--white); padding:13px 20px; border-radius:8px; font-size:14.5px; font-weight:700; text-decoration:none; transition:all 0.18s; margin-bottom:12px; }
.faq-cta-btn:hover { background:var(--green-hover); }
.faq-cta-phone { display:flex; align-items:center; justify-content:center; gap:8px; color:rgba(255,255,255,0.6); text-decoration:none; font-size:13.5px; transition:color 0.18s; }
.faq-cta-phone:hover { color:var(--gold-light); }

/* ── BLOG ── */
.blog { background:var(--off-white); }
.blog-header { text-align:center; margin-bottom:48px; }
.blog-header .section-desc { margin:0 auto; }
.blog-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.blog-card { background:var(--white); border-radius:12px; overflow:hidden; border:1.5px solid var(--gray-100); transition:all 0.22s; display:flex; flex-direction:column; }
.blog-card:hover { box-shadow:var(--shadow-md); transform:translateY(-3px); }
.blog-img { height:180px; background:linear-gradient(135deg, var(--navy), var(--navy-light)); display:flex; align-items:center; justify-content:center; position:relative; overflow:hidden; }
.blog-img-1 { background:linear-gradient(135deg,#0B2545,#1C3A80); }
.blog-img-2 { background:linear-gradient(135deg,#1A4A2E,#2D7A4F); }
.blog-img-3 { background:linear-gradient(135deg,#3A1A0B,#7A4A1A); }
.blog-cat { position:absolute; top:14px; left:14px; background:var(--gold); color:var(--navy); font-size:10.5px; font-weight:700; letter-spacing:1px; text-transform:uppercase; padding:4px 10px; border-radius:100px; }
.blog-body { padding:22px 22px 20px; flex:1; display:flex; flex-direction:column; }
.blog-date { font-size:11.5px; color:var(--gray-500); margin-bottom:8px; }
.blog-title { font-family:'Playfair Display',serif; font-size:17px; font-weight:700; color:var(--navy); line-height:1.35; margin-bottom:10px; }
.blog-excerpt { font-size:13.5px; color:var(--gray-500); line-height:1.65; margin-bottom:18px; flex:1; }
.blog-link { color:var(--green); font-size:13px; font-weight:600; text-decoration:none; display:flex; align-items:center; gap:5px; transition:gap 0.18s; margin-top:auto; }
.blog-link:hover { gap:9px; }
.blog-footer { text-align:center; margin-top:36px; }

/* ── LOCAL / NATIONWIDE ── */
.local { background:var(--navy); }
.local .section-label { color:var(--gold-light); }
.local .section-title { color:var(--white); }
.local-inner { display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
.local-desc { font-size:16px; color:rgba(255,255,255,0.6); line-height:1.75; margin-bottom:28px; font-weight:300; }
.local-states { display:flex; flex-wrap:wrap; gap:8px; margin-bottom:30px; }
.local-state { background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.1); color:rgba(255,255,255,0.65); font-size:12px; font-weight:500; padding:5px 12px; border-radius:6px; transition:all 0.18s; }
.local-state:hover { background:rgba(200,146,42,0.15); border-color:rgba(200,146,42,0.3); color:var(--gold-light); }
.local-right { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
.local-card { background:rgba(255,255,255,0.05); border:1px solid rgba(255,255,255,0.08); border-radius:12px; padding:22px 18px; transition:all 0.22s; }
.local-card:hover { background:rgba(200,146,42,0.08); border-color:rgba(200,146,42,0.2); }
.local-card-num { font-family:'Playfair Display',serif; font-size:28px; font-weight:700; color:var(--gold-light); display:block; line-height:1; margin-bottom:4px; }
.local-card-lbl { font-size:12.5px; color:rgba(255,255,255,0.45); }

/* ── CTA BANNER ── */
.cta-banner { background:linear-gradient(135deg,var(--green) 0%,#155e3a 100%); padding:60px 30px; text-align:center; position:relative; overflow:hidden; }
.cta-banner::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse at 80% 50%,rgba(255,255,255,0.06),transparent 60%); }
.cta-banner-inner { max-width:720px; margin:0 auto; position:relative; z-index:1; }
.cta-banner h2 { font-family:'Playfair Display',serif; font-size:clamp(26px,3.2vw,38px); font-weight:700; color:var(--white); margin-bottom:12px; }
.cta-banner p { font-size:16px; color:rgba(255,255,255,0.75); margin-bottom:30px; line-height:1.65; }
.cta-btns { display:flex; gap:14px; justify-content:center; flex-wrap:wrap; }

/* ── FOOTER ── */
footer { background:var(--navy); color:rgba(255,255,255,0.6); padding:60px 30px 30px; }
.footer-inner { max-width:1240px; margin:0 auto; }
.footer-top { display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; padding-bottom:48px; border-bottom:1px solid rgba(255,255,255,0.08); }
.footer-logo { display:flex; align-items:center; text-decoration:none; margin-bottom:16px; }
.footer-logo img { filter:brightness(0) invert(1); height:56px; width:auto; }
.footer-brand p { font-size:13.5px; line-height:1.7; color:rgba(255,255,255,0.5); margin-bottom:20px; max-width:260px; }
.footer-contact-item { display:flex; align-items:center; gap:9px; font-size:13.5px; color:rgba(255,255,255,0.6); margin-bottom:9px; }
.footer-contact-item svg { color:var(--gold); flex-shrink:0; }
.footer-contact-item a { color:rgba(255,255,255,0.7); text-decoration:none; }
.footer-contact-item a:hover { color:var(--gold-light); }
.footer-col-title { font-size:11.5px; font-weight:600; color:var(--gold); letter-spacing:2px; text-transform:uppercase; margin-bottom:16px; }
.footer-links { list-style:none; }
.footer-links li { margin-bottom:9px; }
.footer-links a { color:rgba(255,255,255,0.55); text-decoration:none; font-size:13.5px; transition:color 0.18s; }
.footer-links a:hover { color:var(--white); }
.footer-bottom { display:flex; align-items:center; justify-content:space-between; padding-top:24px; font-size:12.5px; color:rgba(255,255,255,0.35); flex-wrap:wrap; gap:12px; }
.footer-social { display:flex; gap:10px; }
.social-btn { width:34px; height:34px; background:rgba(255,255,255,0.06); border-radius:7px; display:flex; align-items:center; justify-content:center; color:rgba(255,255,255,0.5); text-decoration:none; transition:all 0.18s; font-size:13px; }
.social-btn:hover { background:rgba(200,146,42,0.2); color:var(--gold-light); }

/* ── INNER PAGES ── */
.inner-page { padding: 60px 30px 80px; min-height: 60vh; }
.inner-page-inner { max-width: 1240px; margin: 0 auto; }
.inner-page-narrow { max-width: 760px; }
.page-header { margin-bottom: 40px; padding-bottom: 28px; border-bottom: 2px solid var(--gray-100); }
.page-title { font-family:'Playfair Display',serif; font-size: clamp(28px, 3.5vw, 44px); font-weight:700; color:var(--navy); line-height:1.15; }
.page-content { font-size: 16px; line-height: 1.8; color: var(--gray-700); }
.page-content h2 { font-family:'Playfair Display',serif; font-size:28px; font-weight:700; color:var(--navy); margin:36px 0 14px; }
.page-content h3 { font-family:'Playfair Display',serif; font-size:22px; font-weight:700; color:var(--navy); margin:28px 0 10px; }
.page-content p { margin-bottom:18px; }
.page-content ul, .page-content ol { margin:0 0 18px 24px; }
.page-content li { margin-bottom:8px; }
.page-content a { color:var(--green); text-decoration:underline; }
.page-content a:hover { color:var(--navy); }
.page-content strong { color:var(--navy); font-weight:700; }
.post-meta { font-size:13px; color:var(--gray-500); margin-bottom:10px; font-weight:500; }

/* ── ANIMATIONS ── */
.fade-up { opacity:0; transform:translateY(22px); animation:fadeUp 0.65s ease both; }
@keyframes fadeUp { to { opacity:1; transform:none; } }
.fade-up:nth-child(1){animation-delay:0.05s}
.fade-up:nth-child(2){animation-delay:0.15s}
.fade-up:nth-child(3){animation-delay:0.25s}
.fade-up:nth-child(4){animation-delay:0.35s}
.fade-up:nth-child(5){animation-delay:0.45s}
.fade-up:nth-child(6){animation-delay:0.55s}

/* ── URGENCY ── */
.urgency { display:inline-flex; align-items:center; gap:7px; background:rgba(192,57,43,0.1); border:1px solid rgba(192,57,43,0.25); color:#E05A4B; padding:5px 12px; border-radius:100px; font-size:11.5px; font-weight:600; letter-spacing:0.5px; margin-bottom:14px; }
.urgency::before { content:''; width:6px; height:6px; background:#E05A4B; border-radius:50%; animation:pulse 1.5s infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1);}50%{opacity:0.5;transform:scale(1.3);} }

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .hero { grid-template-columns:1fr; }
  .hero-left { padding: 48px 28px; }
  .hero-right { min-height: 480px; }
  .why-grid { grid-template-columns:1fr 1fr; }
  .advisors-grid { grid-template-columns:1fr; }
  .reviews-grid { grid-template-columns:1fr 1fr; }
  .faq-inner { grid-template-columns:1fr; }
  .faq-right { position:static; }
  .blog-grid { grid-template-columns:1fr 1fr; }
  .local-inner { grid-template-columns:1fr; }
  .local-right { grid-template-columns:repeat(4,1fr); }
  .services-grid { grid-template-columns:1fr 1fr; }
  .steps-grid { grid-template-columns:1fr 1fr; }
  .steps-grid::before { display:none; }
  .testi-grid { grid-template-columns:1fr; }
  .footer-top { grid-template-columns:1fr 1fr; }
}
@media(max-width:600px){
  nav { display:none; }
  .hamburger { display:flex; }
  .topbar-left span:last-child { display:none; }
  .hero-stats { grid-template-columns:1fr 1fr; }
  .why-grid { grid-template-columns:1fr; }
  .reviews-grid { grid-template-columns:1fr; }
  .blog-grid { grid-template-columns:1fr; }
  .local-right { grid-template-columns:1fr 1fr; }
  .services-grid { grid-template-columns:1fr; }
  .form-row { grid-template-columns:1fr; }
  .form-group.full { grid-column:span 1; }
  .topbar-left { gap:14px; }
  .footer-top { grid-template-columns:1fr; }
  .header-phone { display:none; }
  section { padding:60px 20px; }
  .inner-page { padding:40px 20px 60px; }
}