*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --terracotta: #B8603B;
  --terracotta-dark: #9A4E2F;
  --terracotta-light: #C4784F;
  --sand: #F5F0EB;
  --sand-dark: #E8E0D8;
  --sand-mid: #EDE6DD;
  --cream: #FDFBF9;
  --charcoal: #1E1E1E;
  --slate: #3A3A3A;
  --gray: #6B6B6B;
  --gray-light: #9A9A9A;
  --white: #FFFFFF;
  --radius: 12px;
  --radius-sm: 8px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 3px rgba(30,30,30,0.06), 0 1px 2px rgba(30,30,30,0.04);
  --shadow-md: 0 4px 20px rgba(30,30,30,0.08), 0 2px 8px rgba(30,30,30,0.04);
  --shadow-lg: 0 12px 40px rgba(30,30,30,0.12), 0 4px 16px rgba(30,30,30,0.06);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--charcoal);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.2;
  color: var(--charcoal);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--terracotta);
  text-decoration: none;
  transition: color var(--transition);
}

a:hover { color: var(--terracotta-dark); }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link {
  position: absolute;
  top: -100%;
  left: 16px;
  background: var(--charcoal);
  color: var(--white);
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  z-index: 1000;
  font-size: 0.875rem;
}
.skip-link:focus { top: 16px; }

/* BUTTONS */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 0.938rem;
  letter-spacing: 0.01em;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  text-align: center;
}

.btn-primary {
  background: var(--terracotta);
  color: var(--white);
  border-color: var(--terracotta);
}
.btn-primary:hover {
  background: var(--terracotta-dark);
  border-color: var(--terracotta-dark);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--charcoal);
  border-color: var(--charcoal);
}
.btn-outline:hover {
  background: var(--charcoal);
  color: var(--white);
}

.btn-outline-light {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn-outline-light:hover {
  background: var(--white);
  color: var(--charcoal);
}

.btn-sm { padding: 10px 20px; font-size: 0.875rem; }
.btn-full { width: 100%; justify-content: center; }

/* HEADER */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(253,251,249,0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--sand-dark);
  transition: box-shadow var(--transition);
}
.site-header.scrolled { box-shadow: var(--shadow-sm); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--charcoal);
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: -0.01em;
}
.logo:hover { color: var(--charcoal); }
.logo-icon { flex-shrink: 0; }

.nav-list {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}
.nav-list a {
  color: var(--slate);
  font-size: 0.938rem;
  font-weight: 500;
  position: relative;
}
.nav-list a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--terracotta);
  transition: width var(--transition);
}
.nav-list a:hover::after { width: 100%; }
.nav-list a:hover { color: var(--charcoal); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--charcoal);
  border-radius: 2px;
  transition: all var(--transition);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* HERO */
.hero {
  padding: 120px 0 80px;
  background: var(--cream);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-eyebrow {
  font-size: 0.813rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--terracotta);
  margin-bottom: 20px;
}

.hero-headline {
  font-size: clamp(2.25rem, 4.5vw, 3.75rem);
  font-weight: 700;
  line-height: 1.08;
  letter-spacing: -0.02em;
  color: var(--charcoal);
  margin-bottom: 24px;
}

.hero-sub {
  font-size: 1.125rem;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 520px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.badge {
  display: inline-flex;
  align-items: center;
  padding: 8px 16px;
  background: var(--sand);
  color: var(--slate);
  font-size: 0.813rem;
  font-weight: 500;
  border-radius: 100px;
  border: 1px solid var(--sand-dark);
}

.hero-image { position: relative; }

.hero-img-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.hero-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-stat-card {
  position: absolute;
  bottom: -24px;
  left: -24px;
  background: var(--white);
  padding: 24px 28px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.hero-stat-card .stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--terracotta);
  line-height: 1;
}
.hero-stat-card .stat-label {
  font-size: 0.813rem;
  color: var(--gray);
  line-height: 1.4;
  max-width: 160px;
}

/* SECTIONS */
.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 60px;
}
.section-eyebrow {
  font-size: 0.813rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--terracotta);
  margin-bottom: 16px;
}
.section-title {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}
.section-sub {
  font-size: 1.063rem;
  color: var(--gray);
  line-height: 1.7;
}

/* SERVICES */
.services {
  padding: 100px 0;
  background: var(--sand);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  padding: 36px 28px;
  border-radius: var(--radius);
  border: 1px solid var(--sand-dark);
  transition: all var(--transition);
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}

.service-icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--sand);
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
  color: var(--terracotta);
  transition: all var(--transition);
}
.service-card:hover .service-icon {
  background: var(--terracotta);
  color: var(--white);
}

.service-card h3 {
  font-family: 'Inter', sans-serif;
  font-size: 1.063rem;
  font-weight: 600;
  margin-bottom: 10px;
  color: var(--charcoal);
}
.service-card p {
  font-size: 0.938rem;
  color: var(--gray);
  line-height: 1.65;
}

/* ABOUT */
.about {
  padding: 100px 0;
  background: var(--cream);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-images { position: relative; }

.about-img-main {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-img-main img { width: 100%; height: 100%; object-fit: cover; }

.about-img-float {
  position: absolute;
  bottom: -32px;
  right: -32px;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 4px solid var(--cream);
}
.about-img-float img { width: 100%; height: 100%; object-fit: cover; }

.about-content .section-eyebrow { text-align: left; }
.about-content .section-title { text-align: left; margin-bottom: 24px; }
.about-content > p {
  font-size: 1.063rem;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 16px;
}

.about-features {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 24px;
  margin: 32px 0;
}
.about-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.938rem;
  font-weight: 500;
  color: var(--slate);
}

/* INSURANCE */
.insurance {
  padding: 100px 0;
  background: var(--charcoal);
}
.insurance .section-eyebrow { color: var(--terracotta-light); }
.insurance .section-title { color: var(--white); margin-bottom: 20px; }
.insurance .section-sub { color: var(--gray-light); }

.insurance-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.insurance-content > p {
  font-size: 1.063rem;
  color: var(--gray-light);
  line-height: 1.75;
  margin-bottom: 32px;
}

.insurance-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.insurance-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--sand);
  font-size: 1rem;
}
.insurance-list li::before {
  content: '';
  width: 8px;
  height: 8px;
  background: var(--terracotta);
  border-radius: 50%;
  flex-shrink: 0;
}

.insurance-visual {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.insurance-visual img { width: 100%; height: 100%; object-fit: cover; }

/* TESTIMONIALS */
.testimonials {
  padding: 100px 0;
  background: var(--sand);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  padding: 36px 28px;
  border-radius: var(--radius);
  border: 1px solid var(--sand-dark);
  position: relative;
  transition: all var(--transition);
}
.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  border-color: transparent;
}

.testimonial-quote {
  font-family: 'Playfair Display', serif;
  font-size: 4rem;
  line-height: 1;
  color: var(--terracotta);
  opacity: 0.3;
  position: absolute;
  top: 16px;
  left: 24px;
}

.testimonial-text {
  font-size: 1rem;
  color: var(--slate);
  line-height: 1.7;
  margin-bottom: 24px;
  position: relative;
  z-index: 1;
  padding-top: 20px;
}

.testimonial-author {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--charcoal);
}

/* CONTACT */
.contact {
  padding: 100px 0;
  background: var(--cream);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.contact-info .section-eyebrow { text-align: left; }
.contact-info .section-title { text-align: left; margin-bottom: 20px; }
.contact-intro {
  font-size: 1.063rem;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 40px;
}

.contact-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-bottom: 40px;
}

.contact-item dt {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.813rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-light);
  margin-bottom: 8px;
}

.contact-item dd {
  font-size: 1rem;
  color: var(--slate);
  line-height: 1.6;
}
.contact-item dd a {
  color: var(--terracotta);
}
.contact-item dd a:hover { color: var(--terracotta-dark); }

.contact-form-wrap {
  background: var(--white);
  padding: 40px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--sand-dark);
}
.contact-form-wrap h3 {
  font-size: 1.5rem;
  margin-bottom: 28px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 20px;
}
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--slate);
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--sand-dark);
  border-radius: var(--radius-sm);
  font-family: 'Inter', sans-serif;
  font-size: 0.938rem;
  color: var(--charcoal);
  background: var(--cream);
  transition: all var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--terracotta);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(184,96,59,0.1);
}
.form-group textarea { resize: vertical; }

.form-privacy {
  font-size: 0.813rem;
  color: var(--gray-light);
  margin-top: 16px;
  text-align: center;
}

.form-success {
  text-align: center;
  padding: 40px 20px;
}
.form-success svg { margin: 0 auto 16px; }
.form-success h4 {
  font-size: 1.5rem;
  margin-bottom: 8px;
  color: var(--charcoal);
}
.form-success p { color: var(--gray); }

/* FOOTER */
.site-footer {
  background: var(--charcoal);
  padding: 60px 0 0;
  color: var(--sand);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-brand p {
  color: var(--gray-light);
  font-size: 0.938rem;
  line-height: 1.65;
  margin-top: 16px;
  max-width: 300px;
}

.footer-links h4,
.footer-contact h4 {
  font-family: 'Inter', sans-serif;
  font-size: 0.813rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--sand-dark);
  margin-bottom: 20px;
}

.footer-links ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer-links a {
  color: var(--gray-light);
  font-size: 0.938rem;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--white); }

.footer-contact p {
  color: var(--gray-light);
  font-size: 0.938rem;
  line-height: 1.7;
}
.footer-contact a { color: var(--terracotta-light); }
.footer-contact a:hover { color: var(--white); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 0;
  font-size: 0.813rem;
  color: var(--gray);
}

/* ANIMATIONS */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s cubic-bezier(0.4,0,0.2,1), transform 0.7s cubic-bezier(0.4,0,0.2,1);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* MOBILE */
@media (max-width: 1024px) {
  .hero-grid { gap: 40px; }
  .about-grid { gap: 48px; }
  .insurance-inner { gap: 48px; }
  .contact-grid { gap: 48px; }
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-list {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--cream);
    flex-direction: column;
    gap: 0;
    padding: 16px 24px;
    border-bottom: 1px solid var(--sand-dark);
    box-shadow: var(--shadow-md);
    transform: translateY(-120%);
    opacity: 0;
    pointer-events: none;
    transition: all var(--transition);
  }
  .nav-list.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }
  .nav-list li { width: 100%; }
  .nav-list a {
    display: block;
    padding: 14px 0;
    border-bottom: 1px solid var(--sand-dark);
  }
  .nav-list a::after { display: none; }
  .nav-list .btn { margin-top: 8px; justify-content: center; }

  .hero { padding: 100px 0 60px; }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .hero-image { order: -1; }
  .hero-img-wrap { border-radius: var(--radius); }
  .hero-stat-card {
    bottom: -16px;
    left: 16px;
    padding: 16px 20px;
  }
  .hero-stat-card .stat-number { font-size: 1.75rem; }

  .services-grid { grid-template-columns: 1fr 1fr; }
  .about-grid { grid-template-columns: 1fr; gap: 56px; }
  .about-img-float { right: -16px; bottom: -24px; }
  .insurance-inner { grid-template-columns: 1fr; }
  .insurance-visual { order: -1; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .contact-details { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 28px; }

  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero { padding: 90px 0 48px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .services-grid { grid-template-columns: 1fr; }
  .about-features { grid-template-columns: 1fr; }
  .badge { font-size: 0.75rem; padding: 6px 12px; }
}