/* ============================================================
   MacCallum Group Insurance — Premium Landing
   ============================================================ */

:root {
  --navy: #0A2D6F;
  --navy-deep: #040e28;
  --navy-mid: #0d3a8a;
  --gold: #C79A32;
  --gold-light: #e0b84a;
  --gold-dark: #a07a22;
  --gold-metal: linear-gradient(135deg, #f0d48a 0%, #C79A32 42%, #8f6b1a 100%);
  --white: #ffffff;
  --off-white: #f3f4f7;
  --gray-light: #e6e8ee;
  --gray: #8a919e;
  --gray-dark: #2c3340;
  --ink: #0c1018;

  --font-display: "Playfair Display", Georgia, serif;
  --font-body: "DM Sans", system-ui, sans-serif;
  --font-ui: "Poppins", system-ui, sans-serif;

  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 24px;
  --shadow: 0 24px 70px rgba(4, 14, 40, 0.14);
  --shadow-gold: 0 14px 44px rgba(199, 154, 50, 0.32);
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --nav-h: 88px;
}

/* Premium white logo seals */
.logo-seal {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: #ffffff;
  border-radius: 50%;
  padding: 4px;
  box-shadow:
    0 0 0 1px rgba(199, 154, 50, 0.35),
    0 0 0 4px rgba(255, 255, 255, 0.08),
    0 10px 30px rgba(4, 14, 40, 0.28);
  overflow: hidden;
  flex-shrink: 0;
}

.logo-seal img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 50%;
  display: block;
}

.logo-seal--nav {
  width: 58px;
  height: 58px;
  transition: transform 0.45s var(--ease), box-shadow 0.45s var(--ease);
}

.logo-seal--lg {
  width: 128px;
  height: 128px;
  box-shadow:
    0 0 0 1px rgba(199, 154, 50, 0.45),
    0 0 0 8px rgba(255, 255, 255, 0.06),
    0 20px 50px rgba(0, 0, 0, 0.35);
}

.logo-seal--hero {
  width: clamp(96px, 14vw, 132px);
  height: clamp(96px, 14vw, 132px);
  box-shadow:
    0 0 0 1px rgba(199, 154, 50, 0.55),
    0 0 0 10px rgba(255, 255, 255, 0.06),
    0 0 60px rgba(199, 154, 50, 0.22),
    0 24px 60px rgba(0, 0, 0, 0.4);
}

.logo-seal--footer {
  width: 96px;
  height: 96px;
  margin-bottom: 1.25rem;
  box-shadow:
    0 0 0 1px rgba(199, 154, 50, 0.4),
    0 0 0 6px rgba(255, 255, 255, 0.05),
    0 16px 40px rgba(0, 0, 0, 0.3);
}

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

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

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--off-white);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: inherit;
  text-decoration: none;
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

.container {
  width: min(1180px, calc(100% - 48px));
  margin-inline: auto;
}

.section {
  padding: clamp(72px, 10vw, 120px) 0;
  position: relative;
}

.section--navy {
  background:
    radial-gradient(ellipse 80% 60% at 10% 0%, rgba(199, 154, 50, 0.12), transparent 50%),
    radial-gradient(ellipse 60% 50% at 90% 100%, rgba(13, 58, 138, 0.5), transparent 55%),
    linear-gradient(165deg, var(--navy-deep) 0%, var(--navy) 45%, #0c3578 100%);
  color: var(--white);
}

.section--soft {
  background:
    linear-gradient(180deg, var(--gray-light) 0%, var(--off-white) 40%, var(--gray-light) 100%);
}

/* Typography */
.section-label {
  font-family: var(--font-ui);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}

.section-label--gold {
  color: var(--gold-light);
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 4.5vw, 3.5rem);
  font-weight: 500;
  line-height: 1.15;
  color: var(--navy);
  letter-spacing: -0.02em;
  margin-bottom: 1.25rem;
}

.section-title em {
  font-style: italic;
  color: var(--gold-dark);
}

.section-title--light {
  color: var(--white);
}

.section-title--light em {
  color: var(--gold-light);
}

.section-desc {
  font-size: 1.075rem;
  color: rgba(255, 255, 255, 0.9);
  max-width: 520px;
}

.section-head {
  margin-bottom: clamp(40px, 6vw, 64px);
}

.section-head--center {
  text-align: center;
}

.section-head--center .section-desc {
  margin-inline: auto;
}

/* Glass */
.glass {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(18px) saturate(1.2);
  -webkit-backdrop-filter: blur(18px) saturate(1.2);
  border: 1px solid rgba(255, 255, 255, 0.65);
  box-shadow: var(--shadow);
}

.glass-dark {
  background: rgba(255, 255, 255, 0.06);
  backdrop-filter: blur(20px) saturate(1.3);
  -webkit-backdrop-filter: blur(20px) saturate(1.3);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  font-family: var(--font-ui);
  font-size: 0.875rem;
  font-weight: 550;
  letter-spacing: 0.02em;
  padding: 0.9rem 1.55rem;
  border-radius: 999px;
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), background 0.35s ease, color 0.35s ease, border-color 0.35s ease;
  white-space: nowrap;
  position: relative;
  overflow: hidden;
}

.btn::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent 30%, rgba(255, 255, 255, 0.25) 50%, transparent 70%);
  transform: translateX(-120%);
  transition: transform 0.6s var(--ease);
}

.btn:hover::after {
  transform: translateX(120%);
}

.btn:hover {
  transform: translateY(-2px);
}

.btn--gold {
  background: linear-gradient(135deg, #f3d98f 0%, #C79A32 45%, #9a7420 100%);
  color: var(--navy-deep);
  box-shadow: var(--shadow-gold);
  border: 1px solid rgba(255, 230, 170, 0.35);
}

.btn--gold:hover {
  box-shadow: 0 16px 48px rgba(199, 154, 50, 0.4);
}

.btn--navy {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 12px 32px rgba(10, 45, 111, 0.35);
}

.btn--navy:hover {
  background: var(--navy-mid);
}

.btn--ghost {
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.35);
  backdrop-filter: blur(8px);
}

.btn--ghost:hover {
  background: rgba(255, 255, 255, 0.18);
  border-color: var(--gold);
}

.btn--outline {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(199, 154, 50, 0.65);
}

.btn--outline:hover {
  background: rgba(199, 154, 50, 0.15);
  border-color: var(--gold);
}

.btn--lg {
  padding: 1.15rem 2.4rem;
  font-size: 0.95rem;
}

/* Loader */
.loader {
  position: fixed;
  inset: 0;
  z-index: 10000;
  background: var(--navy-deep);
  display: grid;
  place-items: center;
  transition: opacity 0.7s var(--ease), visibility 0.7s;
}

.loader.is-done {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.loader__inner {
  text-align: center;
}

.loader__inner .logo-seal {
  margin: 0 auto 1.6rem;
  animation: pulseLogo 1.8s ease-in-out infinite;
}

.loader__logo {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.loader__bar {
  width: 140px;
  height: 2px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: 2px;
  overflow: hidden;
  margin: 0 auto;
}

.loader__bar span {
  display: block;
  height: 100%;
  width: 40%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  animation: loadBar 1.1s ease-in-out infinite;
}

@keyframes pulseLogo {
  0%, 100% { opacity: 0.7; transform: scale(0.96); }
  50% { opacity: 1; transform: scale(1); }
}

@keyframes loadBar {
  0% { transform: translateX(-100%); }
  100% { transform: translateX(350%); }
}

/* Cursor glow */
.cursor-glow {
  position: fixed;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  pointer-events: none;
  z-index: 1;
  background: radial-gradient(circle, rgba(199, 154, 50, 0.08) 0%, transparent 70%);
  transform: translate(-50%, -50%);
  opacity: 0;
  transition: opacity 0.4s;
  mix-blend-mode: screen;
}

body:hover .cursor-glow {
  opacity: 1;
}

/* Nav */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-h);
  transition: background 0.4s var(--ease), box-shadow 0.4s, backdrop-filter 0.4s;
}

.nav.is-scrolled {
  background: rgba(6, 28, 71, 0.88);
  backdrop-filter: blur(20px) saturate(1.4);
  -webkit-backdrop-filter: blur(20px) saturate(1.4);
  box-shadow: 0 8px 40px rgba(0, 0, 0, 0.2);
  border-bottom: 1px solid rgba(199, 154, 50, 0.15);
}

.nav__inner {
  width: min(1240px, calc(100% - 40px));
  margin: 0 auto;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav__logo {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.nav__brand:hover .logo-seal--nav {
  transform: scale(1.06);
  box-shadow:
    0 0 0 1px rgba(199, 154, 50, 0.55),
    0 0 0 5px rgba(255, 255, 255, 0.12),
    0 14px 36px rgba(199, 154, 50, 0.25);
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 1.75rem;
}

.nav__links a {
  font-family: var(--font-ui);
  font-size: 0.8rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.85);
  letter-spacing: 0.04em;
  transition: color 0.3s;
  position: relative;
}

.nav__links a:not(.nav__cta)::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -4px;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width 0.35s var(--ease);
}

.nav__links a:not(.nav__cta):hover {
  color: var(--gold-light);
}

.nav__links a:not(.nav__cta):hover::after {
  width: 100%;
}

.nav__cta {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--navy-deep) !important;
  padding: 0.65rem 1.25rem;
  border-radius: 999px;
  font-weight: 600 !important;
}

.nav__cta:hover {
  box-shadow: var(--shadow-gold);
  transform: translateY(-1px);
}

.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 6px;
  width: 28px;
  padding: 4px 0;
}

.nav__toggle span {
  display: block;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: 0.3s var(--ease);
}

/* Hero — brand mark as premium cover */
.hero {
  position: relative;
  min-height: 100vh;
  min-height: 100dvh;
  display: flex;
  align-items: center;
  padding: calc(var(--nav-h) + 48px) 0 80px;
  color: var(--white);
  overflow: hidden;
  background: #040e28;
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero__atmosphere {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 55% at 72% 42%, rgba(199, 154, 50, 0.16) 0%, transparent 55%),
    radial-gradient(ellipse 50% 45% at 18% 70%, rgba(10, 45, 111, 0.55) 0%, transparent 50%),
    radial-gradient(circle at 50% 0%, rgba(13, 58, 138, 0.45) 0%, transparent 45%),
    linear-gradient(155deg, #020814 0%, #061c47 38%, #0A2D6F 68%, #040e28 100%);
}

.hero__brandmark {
  position: absolute;
  top: 50%;
  right: -4%;
  width: min(78vw, 820px);
  aspect-ratio: 1;
  transform: translateY(-50%);
  display: grid;
  place-items: center;
  pointer-events: none;
  z-index: 2;
}

.hero__img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  border-radius: 50%;
  background: #ffffff;
  padding: 2.5%;
  opacity: 0.22;
  filter: drop-shadow(0 40px 80px rgba(0, 0, 0, 0.45));
  transform: scale(1.02);
  will-change: transform;
  box-shadow:
    0 0 0 1px rgba(199, 154, 50, 0.2),
    inset 0 0 60px rgba(255, 255, 255, 0.05);
}

.hero__gold-ring {
  position: absolute;
  top: 50%;
  right: -2%;
  width: min(72vw, 760px);
  aspect-ratio: 1;
  transform: translateY(-50%);
  border-radius: 50%;
  border: 1px solid rgba(199, 154, 50, 0.18);
  box-shadow:
    0 0 80px rgba(199, 154, 50, 0.08),
    inset 0 0 80px rgba(199, 154, 50, 0.04);
  pointer-events: none;
  z-index: 1;
  animation: ringPulse 8s ease-in-out infinite;
}

@keyframes ringPulse {
  0%, 100% { opacity: 0.45; }
  50% { opacity: 0.95; }
}

.hero__vignette {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 90% 80% at 50% 50%, transparent 30%, rgba(2, 8, 20, 0.55) 100%);
  z-index: 1;
  pointer-events: none;
}

.hero__overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(105deg, rgba(2, 8, 20, 0.94) 0%, rgba(4, 14, 40, 0.82) 38%, rgba(4, 14, 40, 0.35) 62%, rgba(4, 14, 40, 0.72) 100%),
    linear-gradient(0deg, rgba(2, 8, 20, 0.88) 0%, transparent 42%);
}

.hero__grain {
  position: absolute;
  inset: 0;
  z-index: 1;
  opacity: 0.055;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  pointer-events: none;
}

.hero__content {
  position: relative;
  z-index: 2;
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
  max-width: 680px;
  margin-left: max(calc((100% - 1180px) / 2), 24px);
}

.hero__seal {
  margin-bottom: 1.75rem;
}

.hero__eyebrow {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  font-family: var(--font-ui);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 1.5rem;
}

.gold-line {
  display: block;
  width: 40px;
  height: 1px;
  background: var(--gold);
}

.hero__title {
  font-family: var(--font-display);
  font-size: clamp(3rem, 7vw, 5.25rem);
  font-weight: 500;
  line-height: 1.05;
  letter-spacing: -0.03em;
  margin-bottom: 1.35rem;
  text-shadow: 0 12px 40px rgba(0, 0, 0, 0.35);
}

.hero__title em {
  font-style: italic;
  color: var(--gold-light);
  background: linear-gradient(120deg, var(--gold-light), #f0d48a, var(--gold));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero__sub {
  font-size: clamp(1rem, 1.6vw, 1.2rem);
  color: rgba(255, 255, 255, 0.82);
  max-width: 560px;
  margin-bottom: 2rem;
  font-weight: 350;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 2.25rem;
}

.hero__indicators {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem 1.25rem;
  margin-bottom: 1.5rem;
}

.hero__indicators span {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: var(--font-ui);
  font-size: 0.8rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.9);
  padding: 0.4rem 0.85rem;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 999px;
  backdrop-filter: blur(8px);
}

.hero__indicators i {
  font-style: normal;
  color: var(--gold);
  font-weight: 700;
}

.hero__location {
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.65);
  max-width: 480px;
}

.hero__location svg {
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--gold);
}

.hero__scroll {
  position: absolute;
  right: clamp(24px, 4vw, 48px);
  bottom: 48px;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.75rem;
  font-family: var(--font-ui);
  font-size: 0.65rem;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.5);
}

.hero__scroll-line {
  width: 1px;
  height: 56px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  animation: scrollPulse 2s ease-in-out infinite;
}

@keyframes scrollPulse {
  0%, 100% { opacity: 0.4; transform: scaleY(0.7); transform-origin: top; }
  50% { opacity: 1; transform: scaleY(1); }
}

/* About */
.about {
  background:
    linear-gradient(180deg, var(--white) 0%, var(--off-white) 100%);
}

.about__grid {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}

.about__visual {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1rem;
}

.about__frame {
  position: relative;
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  aspect-ratio: 4 / 5;
}

.about__frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 18%;
  transition: transform 1.2s var(--ease);
}

.about__visual:hover .about__frame img {
  transform: scale(1.04);
}

.about__accent {
  position: absolute;
  inset: auto -16px -16px auto;
  width: 55%;
  height: 55%;
  border: 1px solid var(--gold);
  border-radius: var(--radius-lg);
  z-index: -1;
  opacity: 0.5;
  pointer-events: none;
}

.about__badge {
  position: static;
  z-index: 2;
  padding: 0.9rem 1.2rem;
  border-radius: var(--radius);
  display: inline-flex;
  flex-direction: row;
  align-items: center;
  gap: 0.85rem;
  max-width: 100%;
  width: fit-content;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid rgba(199, 154, 50, 0.4);
  box-shadow: 0 10px 28px rgba(4, 14, 40, 0.12);
}

.about__badge strong {
  font-family: var(--font-display);
  font-size: 1.65rem;
  color: var(--navy);
  line-height: 1;
}

.about__badge span {
  font-size: 0.78rem;
  font-family: var(--font-ui);
  color: var(--gray-dark);
  line-height: 1.3;
  max-width: 140px;
}

.about__lead {
  font-size: 1.125rem;
  color: var(--navy);
  font-weight: 500;
  margin-bottom: 1rem;
}

.about__copy p {
  color: var(--gray-dark);
  margin-bottom: 1rem;
}

.about__stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 2rem;
  padding-top: 2rem;
  border-top: 1px solid var(--gray-light);
}

.stat__num {
  display: block;
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.stat__label {
  font-size: 0.8rem;
  color: var(--gray);
  font-family: var(--font-ui);
}

/* Services */
.services__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.15rem;
}

.service-card {
  padding: 1.75rem 1.5rem;
  border-radius: var(--radius);
  transition: transform 0.5s var(--ease), background 0.4s, border-color 0.4s, box-shadow 0.5s;
  height: 100%;
}

.service-card:hover {
  transform: translateY(-8px);
  background: rgba(255, 255, 255, 0.11);
  border-color: rgba(199, 154, 50, 0.45);
  box-shadow: 0 24px 50px rgba(0, 0, 0, 0.25);
}

.service-card__icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  margin-bottom: 1.25rem;
  color: var(--gold);
  border: 1px solid rgba(199, 154, 50, 0.35);
  border-radius: 12px;
  background: rgba(199, 154, 50, 0.08);
  transition: background 0.4s, transform 0.4s var(--ease);
}

.service-card__icon svg {
  width: 26px;
  height: 26px;
}

.service-card:hover .service-card__icon {
  background: rgba(199, 154, 50, 0.18);
  transform: scale(1.08);
}

.service-card h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 500;
  margin-bottom: 0.65rem;
  color: #ffffff;
}

.service-card p {
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.88);
  line-height: 1.65;
}

/* Why */
.why {
  background:
    radial-gradient(ellipse at 80% 20%, rgba(199, 154, 50, 0.08), transparent 40%),
    linear-gradient(180deg, var(--off-white), var(--white) 50%, var(--off-white));
}

.why__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.why-card {
  padding: 2rem 1.75rem;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-light);
  box-shadow: 0 4px 24px rgba(10, 45, 111, 0.04);
  transition: transform 0.45s var(--ease), box-shadow 0.45s, border-color 0.35s;
  position: relative;
  overflow: hidden;
}

.why-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  opacity: 0;
  transition: opacity 0.4s;
}

.why-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow);
  border-color: rgba(199, 154, 50, 0.35);
}

.why-card:hover::before {
  opacity: 1;
}

.why-card__num {
  font-family: var(--font-display);
  font-size: 2rem;
  color: rgba(10, 45, 111, 0.12);
  display: block;
  margin-bottom: 1rem;
  line-height: 1;
  transition: color 0.35s;
}

.why-card:hover .why-card__num {
  color: var(--gold);
}

.why-card h3 {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 0.6rem;
  font-weight: 500;
}

.why-card p {
  font-size: 0.925rem;
  color: var(--gray-dark);
}

/* Timeline / Process */
.timeline {
  position: relative;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1rem;
  padding-top: 2rem;
}

.timeline__line {
  position: absolute;
  top: 2.85rem;
  left: 8%;
  right: 8%;
  height: 2px;
  background: rgba(10, 45, 111, 0.12);
  z-index: 0;
}

.timeline__progress {
  display: block;
  height: 100%;
  width: 0;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  transition: width 1.2s var(--ease);
  border-radius: 2px;
}

.timeline.is-active .timeline__progress {
  width: 100%;
}

.timeline__item {
  position: relative;
  z-index: 1;
  text-align: center;
  padding: 0 0.5rem;
}

.timeline__dot {
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--white);
  border: 2px solid var(--gold);
  margin: 0 auto 1.25rem;
  box-shadow: 0 0 0 6px rgba(199, 154, 50, 0.15);
  transition: transform 0.4s, box-shadow 0.4s;
}

.timeline__item:hover .timeline__dot {
  transform: scale(1.25);
  box-shadow: 0 0 0 8px rgba(199, 154, 50, 0.25);
}

.timeline__step {
  font-family: var(--font-ui);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  color: var(--gold);
  display: block;
  margin-bottom: 0.65rem;
}

.timeline__item h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
  font-weight: 500;
}

.timeline__item p {
  font-size: 0.85rem;
  color: var(--gray-dark);
  line-height: 1.55;
}

/* Differentials */
.diff {
  background:
    linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 50%, #0e3d85 100%);
  color: var(--white);
  padding: clamp(72px, 10vw, 120px) 0;
}

.diff .section-title {
  color: var(--white);
}

.diff .section-title em {
  color: var(--gold-light);
}

.diff__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.diff-item {
  padding: 1.65rem 1.4rem;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.06) !important;
  border: 1px solid rgba(255, 255, 255, 0.1) !important;
  transition: transform 0.45s var(--ease), background 0.35s, border-color 0.35s;
}

.diff-item:hover {
  transform: translateY(-5px);
  background: rgba(255, 255, 255, 0.1) !important;
  border-color: rgba(199, 154, 50, 0.4) !important;
}

.diff-item__icon {
  color: var(--gold);
  font-size: 0.7rem;
  display: block;
  margin-bottom: 0.85rem;
}

.diff-item h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 500;
  margin-bottom: 0.45rem;
  color: #ffffff;
}

.diff-item p {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.88);
}

/* Testimonials */
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
}

.testimonial {
  padding: 2rem 1.85rem;
  border-radius: var(--radius);
  transition: transform 0.45s var(--ease), border-color 0.35s;
}

.testimonial:hover {
  transform: translateY(-4px);
  border-color: rgba(199, 154, 50, 0.4);
}

.testimonial__stars {
  color: var(--gold);
  letter-spacing: 0.15em;
  font-size: 0.9rem;
  margin-bottom: 1rem;
}

.testimonial p {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-style: italic;
  line-height: 1.55;
  color: #ffffff;
  margin-bottom: 1.5rem;
}

.testimonial footer {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  padding-top: 1rem;
}

.testimonial footer strong {
  font-family: var(--font-ui);
  font-size: 0.9rem;
  font-weight: 600;
  font-style: normal;
  color: #ffffff;
}

.testimonial footer span {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.78);
}

/* Coverage */
.coverage {
  background: var(--white);
}

.coverage__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.coverage-card {
  position: relative;
  aspect-ratio: 3 / 4;
  border-radius: var(--radius);
  overflow: hidden;
  display: block;
}

.coverage-card__bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transition: transform 0.9s var(--ease);
}

.coverage-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 30%, rgba(6, 28, 71, 0.92) 100%);
  z-index: 1;
}

.coverage-card:hover .coverage-card__bg {
  transform: scale(1.08);
}

.coverage-card__content {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 2;
  padding: 1.5rem;
  color: var(--white);
}

.coverage-card__content h3 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 500;
  margin-bottom: 0.35rem;
}

.coverage-card__content span {
  font-family: var(--font-ui);
  font-size: 0.75rem;
  color: var(--gold-light);
  letter-spacing: 0.06em;
  opacity: 0;
  transform: translateY(6px);
  transition: opacity 0.35s, transform 0.35s var(--ease);
  display: inline-block;
}

.coverage-card:hover .coverage-card__content span {
  opacity: 1;
  transform: translateY(0);
}

/* CTA */
.cta {
  position: relative;
  padding: clamp(100px, 14vw, 160px) 0;
  overflow: hidden;
  color: var(--white);
  text-align: center;
}

.cta__bg {
  position: absolute;
  inset: 0;
}

.cta__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.cta__overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(6, 28, 71, 0.88), rgba(10, 45, 111, 0.92));
}

.cta__inner {
  position: relative;
  z-index: 2;
  max-width: 720px;
}

.cta__title {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 5.5vw, 4rem);
  font-weight: 500;
  line-height: 1.1;
  margin-bottom: 1.25rem;
}

.cta__title em {
  font-style: italic;
  color: var(--gold-light);
}

.cta__text {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.92);
  margin-bottom: 2.25rem;
  max-width: 480px;
  margin-inline: auto;
}

.cta__actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.cta__meta {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.85);
}

.cta__meta a {
  color: var(--gold-light);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s;
}

.cta__meta a:hover {
  border-color: var(--gold);
}

/* FAQ */
.faq__layout {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: start;
}

.faq__intro p:last-child {
  color: var(--gray-dark);
  max-width: 340px;
}

.faq-item {
  border-bottom: 1px solid rgba(10, 45, 111, 0.12);
}

.faq-item__q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.35rem 0;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: var(--navy);
  font-weight: 500;
  transition: color 0.3s;
}

.faq-item__q:hover {
  color: var(--gold-dark);
}

.faq-item__icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1px solid rgba(10, 45, 111, 0.2);
  position: relative;
  flex-shrink: 0;
  transition: border-color 0.3s, background 0.3s, transform 0.4s var(--ease);
}

.faq-item__icon::before,
.faq-item__icon::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  background: var(--navy);
  transition: transform 0.35s var(--ease);
}

.faq-item__icon::before {
  width: 10px;
  height: 1.5px;
  transform: translate(-50%, -50%);
}

.faq-item__icon::after {
  width: 1.5px;
  height: 10px;
  transform: translate(-50%, -50%);
}

.faq-item.is-open .faq-item__icon {
  background: var(--navy);
  border-color: var(--navy);
  transform: rotate(90deg);
}

.faq-item.is-open .faq-item__icon::before,
.faq-item.is-open .faq-item__icon::after {
  background: var(--gold);
}

.faq-item.is-open .faq-item__icon::after {
  transform: translate(-50%, -50%) scaleY(0);
}

.faq-item__a {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.45s var(--ease);
}

.faq-item.is-open .faq-item__a {
  grid-template-rows: 1fr;
}

.faq-item__a > p {
  overflow: hidden;
  font-size: 0.95rem;
  color: var(--gray-dark);
  padding-bottom: 0;
  opacity: 0;
  transition: opacity 0.35s, padding 0.35s;
}

.faq-item.is-open .faq-item__a > p {
  padding-bottom: 1.35rem;
  opacity: 1;
}

/* Footer */
.footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.9);
  padding-top: 72px;
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 2.5rem;
  padding-bottom: 56px;
}

.footer__logo {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.footer__tagline {
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: var(--gold-light);
  font-style: italic;
  margin-bottom: 0.85rem;
}

.footer__desc {
  font-size: 0.9rem;
  line-height: 1.65;
  max-width: 320px;
}

.footer__col h4 {
  font-family: var(--font-ui);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
}

.footer__col a,
.footer__col p {
  display: block;
  font-size: 0.9rem;
  margin-bottom: 0.65rem;
  transition: color 0.3s;
}

.footer__col a:hover {
  color: var(--gold-light);
}

.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 1.35rem 0;
}

.footer__bottom-inner {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.75rem;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.7);
}

/* Float actions — always on top */
.float-actions {
  position: fixed;
  bottom: 24px;
  right: 20px;
  z-index: 99999;
  display: flex;
  flex-direction: column;
  gap: 12px;
  pointer-events: none;
}

.float-btn {
  pointer-events: auto;
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  min-height: 52px;
  padding: 0 1.05rem 0 0.85rem;
  border-radius: 999px;
  color: #fff;
  font-family: var(--font-ui);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-decoration: none;
  transition: transform 0.35s var(--ease), box-shadow 0.35s;
  box-shadow: 0 14px 36px rgba(0, 0, 0, 0.28);
}

.float-btn em {
  font-style: normal;
  font-weight: 600;
}

.float-btn svg {
  flex-shrink: 0;
}

.float-btn:hover {
  transform: translateY(-3px) scale(1.03);
}

.float-btn--wa {
  background: linear-gradient(135deg, #25d366, #128c7e);
  animation: floatPulseWa 2.8s ease-in-out infinite;
}

.float-btn--mail {
  background: linear-gradient(135deg, #0d3a8a, #061c47);
  border: 1px solid rgba(199, 154, 50, 0.55);
}

@keyframes floatPulseWa {
  0%, 100% { box-shadow: 0 14px 36px rgba(18, 140, 126, 0.4); }
  50% { box-shadow: 0 14px 36px rgba(18, 140, 126, 0.4), 0 0 0 10px rgba(37, 211, 102, 0.12); }
}

/* Team */
.team__grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(32px, 5vw, 72px);
  align-items: center;
}

.team__note {
  margin-top: 1rem;
  color: var(--navy);
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.15rem;
}

.team__frame {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  aspect-ratio: 16 / 10;
  border: 1px solid rgba(199, 154, 50, 0.25);
}

.team__frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  transition: transform 1.1s var(--ease);
}

.team__visual:hover .team__frame img {
  transform: scale(1.03);
}

/* Carriers — clean name chips, no logo images */
.carriers-section {
  background:
    radial-gradient(ellipse 70% 50% at 50% 0%, rgba(199, 154, 50, 0.08), transparent 55%),
    linear-gradient(180deg, #ffffff 0%, #f3f5f9 100%);
  color: var(--ink);
  padding-block: clamp(56px, 7vw, 88px);
}

.carriers-section .section-head {
  margin-bottom: clamp(28px, 4vw, 40px);
}

.carriers-section .section-label {
  color: var(--gold-dark);
}

.carriers-section .section-title {
  color: var(--navy);
}

.carriers-section .section-title em {
  color: var(--gold-dark);
}

.carriers-section__desc {
  margin: 0 auto;
  text-align: center;
  max-width: 560px;
  color: #2a3140;
  font-size: 1.08rem;
  line-height: 1.7;
}

.carriers__chips {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem;
}

.carriers__chips li {
  padding: 0.85rem 1.25rem;
  font-family: var(--font-ui);
  font-size: 0.78rem;
  font-weight: 650;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: #0A2D6F;
  background: #ffffff;
  border: 1px solid rgba(10, 45, 111, 0.12);
  border-radius: 999px;
  box-shadow: 0 6px 18px rgba(10, 45, 111, 0.05);
  transition: transform 0.3s var(--ease), border-color 0.3s, box-shadow 0.3s;
}

.carriers__chips li:hover {
  transform: translateY(-2px);
  border-color: rgba(199, 154, 50, 0.5);
  box-shadow: 0 10px 24px rgba(10, 45, 111, 0.1);
}

/* Map section */
.map-section {
  background:
    linear-gradient(180deg, var(--white) 0%, var(--off-white) 100%);
}

.map-section__inner {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: clamp(28px, 4vw, 56px);
  align-items: center;
}

.map-section__copy p {
  color: var(--gray-dark);
  margin-bottom: 1.5rem;
  line-height: 1.7;
}

.map-section__card {
  display: block;
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid rgba(199, 154, 50, 0.2);
  min-height: 320px;
  background: var(--navy-deep);
}

.map-section__card iframe {
  width: 100%;
  height: 100%;
  min-height: 320px;
  border: 0;
  filter: grayscale(0.15) contrast(1.05);
}

.map-section__cta {
  position: absolute;
  left: 16px;
  bottom: 16px;
  z-index: 2;
  font-family: var(--font-ui);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--navy-deep);
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  padding: 0.65rem 1rem;
  border-radius: 999px;
  box-shadow: var(--shadow-gold);
}

/* Reveal animations */
.reveal {
  opacity: 0;
  transform: translateY(36px);
  transition: opacity 0.9s var(--ease), transform 0.9s var(--ease);
}

/* Reveal — ensure visible text never stays washed out */
.reveal.is-visible {
  opacity: 1 !important;
  transform: translateY(0);
}

/* Stagger helpers via JS delay */

/* Responsive */
@media (max-width: 1100px) {
  .services__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .diff__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .coverage__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .timeline {
    grid-template-columns: 1fr;
    gap: 1.75rem;
    padding-left: 1.5rem;
  }

  .timeline__line {
    top: 0;
    bottom: 0;
    left: 6px;
    right: auto;
    width: 2px;
    height: auto;
  }

  .timeline__progress {
    width: 100% !important;
    height: 0;
  }

  .timeline.is-active .timeline__progress {
    height: 100%;
  }

  .timeline__item {
    text-align: left;
    padding-left: 1.75rem;
  }

  .timeline__dot {
    position: absolute;
    left: 0;
    top: 4px;
    margin: 0;
  }

  .footer__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 900px) {
  .about__grid,
  .faq__layout,
  .team__grid,
  .map-section__inner {
    grid-template-columns: 1fr;
  }

  .about__frame {
    aspect-ratio: 3 / 4;
    max-height: 480px;
  }

  .about__frame img {
    object-position: center 12%;
  }

  /* Badge already below photo on all sizes */
  .about__badge {
    width: 100%;
    justify-content: flex-start;
  }

  .about__accent {
    display: none;
  }

  .why__grid {
    grid-template-columns: 1fr 1fr;
  }

  .nav__toggle {
    display: flex;
  }

  .nav__links {
    position: fixed;
    top: var(--nav-h);
    left: 0;
    right: 0;
    background: rgba(6, 28, 71, 0.97);
    backdrop-filter: blur(20px);
    flex-direction: column;
    padding: 2rem;
    gap: 1.25rem;
    transform: translateY(-120%);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.5s var(--ease), opacity 0.4s;
    border-bottom: 1px solid rgba(199, 154, 50, 0.2);
  }

  .nav__links.is-open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .nav.is-open .nav__toggle span:nth-child(1) {
    transform: translateY(8px) rotate(45deg);
  }

  .nav.is-open .nav__toggle span:nth-child(2) {
    opacity: 0;
  }

  .nav.is-open .nav__toggle span:nth-child(3) {
    transform: translateY(-8px) rotate(-45deg);
  }
}

@media (max-width: 900px) {
  .hero__content {
    margin-left: auto;
    margin-right: auto;
    max-width: 820px;
    text-align: left;
  }

  .hero__brandmark {
    right: 50%;
    top: 38%;
    width: min(92vw, 520px);
    transform: translate(50%, -50%);
    opacity: 0.95;
  }

  .hero__img {
    opacity: 0.16;
  }

  .hero__gold-ring {
    right: 50%;
    top: 38%;
    width: min(86vw, 480px);
    transform: translate(50%, -50%);
  }

  .hero__overlay {
    background:
      linear-gradient(180deg, rgba(2, 8, 20, 0.55) 0%, rgba(2, 8, 20, 0.78) 40%, rgba(2, 8, 20, 0.94) 100%);
  }
}

@media (max-width: 640px) {
  .container {
    width: calc(100% - 32px);
  }

  .hero {
    padding-bottom: 56px;
    align-items: flex-end;
    min-height: 100svh;
  }

  .logo-seal--nav {
    width: 50px;
    height: 50px;
  }

  .logo-seal--hero {
    width: 88px;
    height: 88px;
  }

  .hero__actions {
    flex-direction: column;
    align-items: stretch;
  }

  .hero__actions .btn {
    width: 100%;
  }

  .hero__scroll {
    display: none;
  }

  .why__grid,
  .testimonials__grid,
  .services__grid,
  .diff__grid,
  .coverage__grid,
  .footer__grid {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
  }

  .carriers__chips {
    gap: 0.6rem;
  }

  .carriers__chips li {
    font-size: 0.7rem;
    padding: 0.75rem 1rem;
  }

  .float-actions {
    bottom: 16px;
    right: 12px;
  }

  .float-btn {
    min-height: 46px;
    padding: 0 0.9rem 0 0.75rem;
    font-size: 0.72rem;
  }

  .about__stats {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }

  .coverage-card {
    aspect-ratio: 16 / 10;
  }

  .cursor-glow {
    display: none;
  }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }

  html {
    scroll-behavior: auto;
  }
}