:root {
  --navy: #10233f;
  --blue: #1f5f8b;
  --gold: #d49a3a;
  --cream: #f7f3eb;
  --ink: #1b2430;
  --muted: #5f6b7a;
  --white: #ffffff;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 120px; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--cream);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  padding: 18px clamp(20px, 5vw, 72px);
  background: rgba(247, 243, 235, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(16, 35, 63, 0.08);
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--navy);
  text-decoration: none;
}
.brand img { width: 72px; height: 72px; }
.brand strong { display: block; font-size: 1rem; letter-spacing: -0.02em; }
.brand small { color: var(--muted); text-transform: uppercase; letter-spacing: 0.14em; }

nav { display: flex; gap: 20px; flex-wrap: wrap; align-items: center; }
nav a { color: var(--navy); text-decoration: none; font-weight: 650; }
nav a:hover { color: var(--blue); }
.nav-button {
  padding: 10px 16px;
  border-radius: 999px;
  background: var(--blue);
  color: var(--white);
  box-shadow: 0 12px 28px rgba(31, 95, 139, 0.2);
}
.nav-button:hover { color: var(--white); background: var(--navy); }

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(280px, 0.75fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: center;
  min-height: 72vh;
  padding: clamp(56px, 9vw, 112px) clamp(20px, 5vw, 72px);
  background:
    radial-gradient(circle at 80% 20%, rgba(212,154,58,.22), transparent 30%),
    linear-gradient(135deg, #f7f3eb 0%, #eaf1f7 100%);
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--gold);
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 0.78rem;
}

h1, h2, h3 { color: var(--navy); line-height: 1.05; margin: 0; }
h1 { font-size: clamp(2.7rem, 7vw, 5.9rem); letter-spacing: -0.065em; max-width: 980px; }
h2 { font-size: clamp(2rem, 4vw, 3.4rem); letter-spacing: -0.045em; }
h3 { font-size: 1.25rem; margin-bottom: 12px; }
p { line-height: 1.7; }
.lede { max-width: 720px; font-size: clamp(1.12rem, 2vw, 1.35rem); color: var(--muted); }

.actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 20px;
  border-radius: 999px;
  background: var(--blue);
  color: var(--white);
  font-weight: 800;
  text-decoration: none;
  box-shadow: 0 16px 36px rgba(31, 95, 139, 0.24);
}
.button.secondary { background: transparent; color: var(--navy); border: 1px solid rgba(16, 35, 63, 0.24); box-shadow: none; }

.hero-card, article, .contact, .life-insurance, .carriers {
  background: var(--white);
  border: 1px solid rgba(16, 35, 63, 0.1);
  border-radius: 28px;
  box-shadow: 0 24px 70px rgba(16, 35, 63, 0.12);
}
.hero-card { padding: 34px; }
.hero-card h2 { font-size: 1.7rem; margin-bottom: 20px; }
ul { margin: 0; padding-left: 20px; color: var(--muted); line-height: 2; }

.section { padding: clamp(54px, 8vw, 96px) clamp(20px, 5vw, 72px); scroll-margin-top: 120px; }
.grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; margin-top: 30px; }
article { padding: 28px; }
article p, .steps p, .contact p { color: var(--muted); margin-bottom: 0; }
.section-intro { max-width: 780px; color: var(--muted); margin-bottom: 0; }
.carriers {
  max-width: calc(100% - clamp(40px, 10vw, 144px));
  margin: clamp(36px, 6vw, 72px) auto 0;
}
.carrier-groups {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-top: 28px;
}
.carrier-group {
  padding: 20px;
  border-radius: 20px;
  background: rgba(31, 95, 139, 0.06);
  border: 1px solid rgba(16, 35, 63, 0.08);
  box-shadow: none;
}
.carrier-group h3 { margin-bottom: 8px; }
.carrier-group p { color: var(--muted); margin: 0; }

.split { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1fr); gap: 40px; background: var(--navy); }
.split h2 { color: var(--white); }
.steps { display: grid; gap: 16px; }
.steps p { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); border-radius: 20px; padding: 20px; color: rgba(255,255,255,.78); }
.steps strong { color: var(--white); }

.life-insurance {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: clamp(22px, 4vw, 44px);
  max-width: calc(100% - clamp(40px, 10vw, 144px));
  margin: clamp(54px, 8vw, 96px) auto 0;
  border-left: 8px solid var(--gold);
}
.life-insurance > div { max-width: 760px; }
.life-insurance p { color: var(--muted); margin-bottom: 0; }
.life-insurance .button { flex-shrink: 0; background: var(--navy); box-shadow: 0 16px 36px rgba(16, 35, 63, 0.22); }
.contact { text-align: center; max-width: 960px; margin: 0 auto; padding: clamp(34px, 6vw, 64px); }
.contact p { max-width: 720px; margin-left: auto; margin-right: auto; }
.contact-details { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-top: 28px; }
.contact-details a {
  color: var(--navy);
  font-weight: 800;
  text-decoration: none;
  border-bottom: 2px solid rgba(212, 154, 58, 0.45);
}
.contact-details a:hover { color: var(--blue); }
.hours { display: grid; gap: 12px; max-width: 620px; margin: 32px auto 0; text-align: left; }
.hours p {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  margin: 0;
  padding: 14px 18px;
  background: rgba(16, 35, 63, 0.04);
  border: 1px solid rgba(16, 35, 63, 0.08);
  border-radius: 16px;
}
.hours strong { color: var(--navy); }
.hours span { color: var(--muted); }
.booking-card {
  display: grid;
  gap: 10px;
  max-width: 680px;
  margin: 32px auto 0;
  padding: 24px;
  border-radius: 22px;
  background: linear-gradient(135deg, rgba(31, 95, 139, 0.08), rgba(212, 154, 58, 0.12));
  border: 1px solid rgba(16, 35, 63, 0.1);
}
.booking-card strong { color: var(--navy); font-size: 1.1rem; }
.booking-card span { color: var(--muted); line-height: 1.6; }
.booking-card .button { justify-self: center; margin-top: 8px; }
.license {
  max-width: 960px;
  margin: 0 auto;
  padding-top: 24px;
}
.license h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); }
.license-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 24px;
}
.license-grid div {
  padding: 22px;
  border-radius: 20px;
  background: rgba(255,255,255,.86);
  border: 1px solid rgba(16, 35, 63, 0.1);
  box-shadow: 0 14px 36px rgba(16, 35, 63, 0.08);
}
.license-grid span {
  display: block;
  color: var(--muted);
  font-size: .86rem;
  font-weight: 800;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.license-grid strong {
  display: block;
  margin-top: 8px;
  color: var(--navy);
  font-size: 1.28rem;
}
footer { padding: 28px clamp(20px, 5vw, 72px); color: var(--muted); background: #ffffff; }
footer p { margin: 0; }

@media (max-width: 820px) {
  .site-header, .hero, .split { grid-template-columns: 1fr; }
  .site-header { align-items: flex-start; }
  .hero { min-height: auto; }
  .grid, .carrier-groups, .license-grid { grid-template-columns: 1fr; }
  .life-insurance { align-items: flex-start; flex-direction: column; }
  .hours p { flex-direction: column; gap: 4px; text-align: center; }
  nav { font-size: .95rem; }
}