:root {
  --bg: #F5F7F3;
  --paper: #FFFFFF;
  --ink: #16241F;
  --ink-soft: #4A5750;
  --teal: #0F6E5C;
  --teal-deep: #0B4F42;
  --teal-tint: #E4EFEA;
  --gold: #C98A2B;
  --gold-tint: #F6E7CC;
  --line: #DDE3DC;

  --font-display: "Fraunces", ui-serif, Georgia, serif;
  --font-body: "Inter", ui-sans-serif, system-ui, -apple-system, sans-serif;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;

  --container: 1120px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  -webkit-font-smoothing: antialiased;
  line-height: 1.5;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink);
  margin: 0;
  font-weight: 600;
}

p {
  margin: 0;
}

a {
  color: inherit;
}

button {
  font-family: var(--font-body);
  cursor: pointer;
}

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

:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 3px;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  * {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Nav ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(245, 247, 243, 0.9);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}

.nav-inner {
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 14px 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  margin-right: auto;
}

.brand-word {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--ink);
}

.brand-sub {
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.72rem;
  letter-spacing: 0.04em;
  color: var(--ink-soft);
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  gap: 28px;
  font-size: 0.94rem;
  font-weight: 500;
}

.nav-links a {
  text-decoration: none;
  color: var(--ink-soft);
}

.nav-links a:hover {
  color: var(--teal-deep);
}

.nav-phone {
  text-decoration: none;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--teal-deep);
  white-space: nowrap;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  border: 1px solid transparent;
  transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  background: var(--teal);
  color: #fff;
}

.btn-primary:hover {
  background: var(--teal-deep);
}

.btn-ghost {
  background: transparent;
  border-color: var(--teal);
  color: var(--teal-deep);
}

.btn-ghost:hover {
  background: var(--teal-tint);
}

/* ---------- Shared section bits ---------- */
.eyebrow {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 10px;
}

.section-title {
  font-size: clamp(1.6rem, 2.6vw, 2.1rem);
  max-width: 640px;
  margin-bottom: 14px;
}

.section-lead {
  color: var(--ink-soft);
  max-width: 560px;
  font-size: 1.02rem;
}

section {
  padding: 88px 0;
}

/* ---------- Hero ---------- */
.hero {
  padding-top: 72px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 64px;
  align-items: center;
}

.hero-copy h1 {
  font-size: clamp(2.1rem, 4vw, 3.1rem);
  line-height: 1.12;
  margin-bottom: 20px;
  max-width: 640px;
}

.hero-lead {
  font-size: 1.1rem;
  color: var(--ink-soft);
  max-width: 520px;
  margin-bottom: 32px;
}

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

/* Hero signature card: styled like an advisor / policy ID card */
.hero-card {
  position: relative;
  background: var(--teal);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 32px 30px 30px;
  box-shadow: 0 24px 48px -20px rgba(11, 79, 66, 0.45);
  overflow: hidden;
}

.hero-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(120% 120% at 100% 0%, rgba(255,255,255,0.10), transparent 55%);
  pointer-events: none;
}

.hero-card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 26px;
}

.hero-card-eyebrow {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-tint);
}

.hero-card-mark {
  width: 26px;
  height: 26px;
}

.hero-card-name {
  font-size: 1.7rem;
  color: #fff;
  margin-bottom: 4px;
}

.hero-card-role {
  color: rgba(255,255,255,0.78);
  font-size: 0.95rem;
  margin-bottom: 20px;
}

.hero-card-divider {
  height: 1px;
  background: rgba(255,255,255,0.22);
  margin-bottom: 20px;
}

.hero-card-facts {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 0;
}

.hero-card-facts dt {
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 2px;
}

.hero-card-facts dd {
  margin: 0;
  font-weight: 600;
  font-size: 1rem;
}

.hero-card-email {
  word-break: break-all;
  font-weight: 500;
  font-size: 0.92rem;
}

.hero-card-notch {
  position: absolute;
  right: -14px;
  top: 50%;
  transform: translateY(-50%);
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--bg);
}

/* ---------- Services ---------- */
.plan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 40px;
}

.plan-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 26px 24px;
}

.plan-card h3 {
  font-size: 1.08rem;
  margin-bottom: 10px;
}

.plan-card p {
  color: var(--ink-soft);
  font-size: 0.95rem;
}

/* ---------- Reasons ---------- */
.reasons {
  background: var(--teal-tint);
}

.reasons-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 48px;
}

.reasons-list {
  display: flex;
  flex-direction: column;
  gap: 26px;
}

.reason-item h3 {
  font-size: 1.05rem;
  margin-bottom: 6px;
  color: var(--teal-deep);
}

.reason-item p {
  color: var(--ink-soft);
  font-size: 0.96rem;
  max-width: 520px;
}

/* ---------- Quote ---------- */
.quote-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 56px;
  align-items: start;
}

.quote-list {
  margin: 26px 0 0;
  padding-left: 20px;
  color: var(--ink-soft);
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 0.95rem;
}

.quote-form {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.quote-form label {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink);
}

.quote-form input,
.quote-form select,
.quote-form textarea {
  font-family: var(--font-body);
  font-size: 0.96rem;
  font-weight: 400;
  padding: 11px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--line);
  background: var(--bg);
  color: var(--ink);
  resize: vertical;
}

.quote-form input:focus,
.quote-form select:focus,
.quote-form textarea:focus {
  border-color: var(--teal);
}

.quote-form .btn {
  margin-top: 6px;
}

.quote-form-note {
  font-size: 0.82rem;
  color: var(--ink-soft);
  margin: 0;
}

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 36px;
}

.contact-card {
  display: flex;
  flex-direction: column;
  gap: 8px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 24px;
  text-decoration: none;
  transition: border-color 0.15s ease, transform 0.15s ease;
}

.contact-card:hover {
  border-color: var(--teal);
  transform: translateY(-2px);
}

.contact-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold);
}

.contact-value {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--ink);
}

.contact-value-email {
  font-size: 0.98rem;
  word-break: break-all;
}

/* ---------- Footer ---------- */
.footer {
  border-top: 1px solid var(--line);
  padding: 32px 0;
}

.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.footer p {
  font-size: 0.85rem;
  color: var(--ink-soft);
  margin: 0;
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid,
  .reasons-grid,
  .quote-grid {
    grid-template-columns: 1fr;
  }

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

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

  .nav-links {
    display: none;
  }
}

@media (max-width: 600px) {
  section {
    padding: 64px 0;
  }

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

  .hero-card {
    padding: 26px 22px;
  }

  .nav-phone {
    font-size: 0.82rem;
  }
}