@import url("https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,600;0,700;1,600&display=swap");

:root {
  --navy: #052c5f;
  --navy-deep: #03234c;
  --gold: #f4b84f;
  --gold-soft: #f8d796;
  --cream: #f6f3ec;
  --paper: #fffdf9;
  --ink: #17202b;
  --muted: #66717e;
  --line: rgba(5, 44, 95, .14);
  --serif: "Playfair Display", Georgia, serif;
  --sans: "DM Sans", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: var(--sans); line-height: 1.6; overflow-x: hidden; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }

.utility-bar {
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 clamp(24px, 5vw, 76px);
  color: rgba(255,255,255,.75);
  background: var(--navy-deep);
  font-size: 11px;
  letter-spacing: .04em;
}
.utility-bar p { margin: 0; }
.utility-bar div { display: flex; gap: 28px; }
.utility-bar a { color: var(--gold); font-weight: 700; }

.site-header {
  position: absolute;
  z-index: 20;
  top: 36px;
  left: 0;
  right: 0;
  height: 94px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 clamp(24px, 5vw, 76px);
  color: #fff;
  border-bottom: 1px solid rgba(255,255,255,.16);
}
.brand { display: flex; align-items: center; gap: 10px; min-width: 250px; }
.brand-crop { position: relative; width: 54px; height: 54px; overflow: hidden; border: 1px solid rgba(244,184,79,.5); }
.brand-crop img { position: absolute; width: 72px; max-width: none; left: -9px; top: -17px; }
.brand-copy { display: flex; flex-direction: column; line-height: 1; }
.brand-copy strong { color: var(--gold); font: 600 22px var(--serif); }
.brand-copy small { margin-top: 6px; font-size: 9px; letter-spacing: .22em; text-transform: uppercase; }
nav { display: flex; align-items: center; gap: clamp(20px, 2.6vw, 42px); }
nav > a:not(.nav-cta) { font-size: 13px; font-weight: 600; }
.nav-cta, .button {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-width: 150px;
  padding: 14px 18px;
  border: 0;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  transition: transform .2s, background .2s, color .2s;
}
.nav-cta { color: var(--navy); background: var(--gold); }
.nav-cta:hover, .button:hover { transform: translateY(-2px); }
.language-toggle {
  padding: 5px 7px;
  color: #fff;
  border: 1px solid rgba(255,255,255,.35);
  background: transparent;
  font-size: 11px;
  font-weight: 700;
  cursor: pointer;
}
.menu-toggle { display: none; }

.hero {
  position: relative;
  min-height: 810px;
  height: calc(100vh - 36px);
  display: grid;
  grid-template-columns: .92fr 1.08fr;
  padding: 130px clamp(24px, 5vw, 76px) 70px;
  color: #fff;
  background:
    radial-gradient(circle at 75% 45%, rgba(31,92,155,.8), transparent 36%),
    linear-gradient(115deg, var(--navy-deep), var(--navy) 65%, #0c447d);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  opacity: .2;
  background-image: linear-gradient(rgba(255,255,255,.07) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.07) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(to right, #000, transparent 64%);
}
.hero-copy { position: relative; z-index: 2; align-self: center; max-width: 680px; padding-bottom: 10px; }
.eyebrow { display: flex; align-items: center; gap: 12px; margin: 0 0 22px; color: var(--gold); font-size: 11px; letter-spacing: .18em; text-transform: uppercase; }
.eyebrow > span:first-child { flex: 0 0 auto; width: 34px; height: 2px; background: currentColor; }
.eyebrow b { font-weight: 700; }
.eyebrow.dark { color: #a86c13; }
h1, h2 { margin: 0; font-family: var(--serif); letter-spacing: -.035em; line-height: .98; }
h1 { font-size: clamp(66px, 7.2vw, 112px); }
h1 span, h1 em { display: block; }
h1 em { color: var(--gold); font-weight: 600; }
.hero-lead { max-width: 570px; margin: 30px 0 36px; color: rgba(255,255,255,.72); font-size: clamp(17px, 1.4vw, 20px); }
.hero-actions { display: flex; align-items: center; gap: 32px; }
.button-gold { color: var(--navy-deep); background: var(--gold); }
.button-navy { color: #fff; background: var(--navy); }
.phone-link { display: flex; flex-direction: column; line-height: 1.25; }
.phone-link small { color: rgba(255,255,255,.55); font-size: 10px; letter-spacing: .08em; text-transform: uppercase; }
.phone-link strong { margin-top: 4px; font-size: 16px; }
.hero-visual { position: relative; align-self: center; min-height: 570px; }
.hero-image {
  position: absolute;
  width: min(54vw, 760px);
  height: 510px;
  top: 50%;
  left: 2vw;
  translate: 0 -50%;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.26);
  box-shadow: 0 40px 80px rgba(0,0,0,.28);
}
.hero-image::after { content:""; position:absolute; inset:0; background:linear-gradient(90deg,rgba(5,44,95,.5),transparent 35%); }
.hero-image img { width: 100%; height: 100%; object-fit: cover; object-position: 57% center; filter: saturate(.82) contrast(1.02); }
.hero-crest {
  position: absolute;
  width: 176px;
  height: 176px;
  right: -3vw;
  top: 3%;
  overflow: hidden;
  border: 8px solid var(--paper);
  box-shadow: 0 20px 45px rgba(0,0,0,.26);
}
.hero-crest img { width: 100%; height: 100%; object-fit: cover; }
.coverage-note {
  position: absolute;
  left: -3vw;
  bottom: 2%;
  display: flex;
  align-items: center;
  gap: 16px;
  width: 300px;
  padding: 18px 20px;
  color: var(--navy);
  background: var(--paper);
  box-shadow: 0 18px 40px rgba(0,0,0,.2);
}
.coverage-note > span { color: #a86c13; font: 600 12px var(--sans); }
.coverage-note p { display: flex; flex-direction: column; margin: 0; line-height: 1.3; }
.coverage-note strong { font-family: var(--serif); font-size: 17px; }
.coverage-note small { color: var(--muted); font-size: 11px; }
.scroll-cue { position:absolute; left:clamp(24px,5vw,76px); bottom:24px; display:flex; align-items:center; gap:12px; color:rgba(255,255,255,.55); font-size:9px; letter-spacing:.2em; text-transform:uppercase; }
.scroll-cue i { width:50px; height:1px; background:var(--gold); }

.trust-strip {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin: 0 clamp(24px, 5vw, 76px);
  translate: 0 -28px;
  background: var(--paper);
  box-shadow: 0 18px 55px rgba(5,44,95,.12);
}
.trust-strip div { display:flex; flex-direction:column; padding:26px 34px; border-right:1px solid var(--line); }
.trust-strip div:last-child { border:0; }
.trust-strip strong { color:var(--navy); font:600 24px var(--serif); }
.trust-strip span { color:var(--muted); font-size:12px; }

.section { padding: 110px clamp(24px, 7vw, 110px); }
.section-heading { display:grid; grid-template-columns:1.1fr .6fr; gap:8vw; align-items:end; margin-bottom:60px; }
.section-heading h2, .approach h2, .advisor h2, .quote-section h2 { font-size:clamp(52px,5.5vw,84px); color:var(--navy); }
.section-heading > p { margin:0 0 8px; color:var(--muted); }
.coverage { padding-top:80px; }
.coverage-grid { display:grid; grid-template-columns:repeat(4,1fr); border-top:1px solid var(--line); border-left:1px solid var(--line); }
.coverage-card { position:relative; min-height:380px; padding:34px 28px; border-right:1px solid var(--line); border-bottom:1px solid var(--line); transition:.3s; }
.coverage-card:hover { color:#fff; background:var(--navy); transform:translateY(-8px); box-shadow:0 20px 50px rgba(5,44,95,.18); }
.card-number { position:absolute; right:22px; top:20px; color:#a1a8b0; font-size:11px; }
.coverage-card svg { width:64px; height:64px; margin:24px 0 50px; fill:none; stroke:var(--gold); stroke-width:2.5; stroke-linecap:round; stroke-linejoin:round; }
.coverage-card h3 { margin:0; color:var(--navy); font:600 32px var(--serif); }
.coverage-card:hover h3 { color:#fff; }
.coverage-card p { min-height:70px; color:var(--muted); font-size:13px; }
.coverage-card:hover p { color:rgba(255,255,255,.65); }
.coverage-card a { position:absolute; left:28px; bottom:26px; color:#a86c13; font-size:12px; font-weight:700; }
.coverage-card:hover a { color:var(--gold); }

.approach { display:grid; grid-template-columns:1fr 1fr; min-height:760px; color:#fff; background:var(--navy); }
.approach-copy { align-self:center; padding:100px clamp(40px,7vw,110px); }
.approach h2 { max-width:700px; color:#fff; }
.approach-copy > p:not(.eyebrow) { max-width:620px; margin:30px 0 45px; color:rgba(255,255,255,.67); }
.approach ol { margin:0; padding:0; list-style:none; border-top:1px solid rgba(255,255,255,.18); }
.approach li { display:grid; grid-template-columns:55px 1fr; align-items:center; padding:19px 0; border-bottom:1px solid rgba(255,255,255,.18); }
.approach li > span { color:var(--gold); font-size:11px; }
.approach li div { display:flex; justify-content:space-between; align-items:center; gap:20px; }
.approach li strong { font-family:var(--serif); font-size:20px; }
.approach li small { color:rgba(255,255,255,.5); font-size:11px; }
.approach-visual { position:relative; min-height:620px; overflow:hidden; }
.approach-visual > img { width:100%; height:100%; object-fit:cover; object-position:58% center; filter:saturate(.82) contrast(1.02); }
.approach-visual::after { content:""; position:absolute; inset:0; background:linear-gradient(to top,rgba(3,35,76,.8),transparent 58%); }
.approach blockquote { position:absolute; z-index:2; left:42px; right:42px; bottom:36px; display:flex; gap:18px; margin:0; color:#fff; }
.approach blockquote span { color:var(--gold); font:600 56px/1 var(--serif); }
.approach blockquote p { max-width:500px; margin:4px 0 0; font:600 24px/1.25 var(--serif); }

.advisor { display:grid; grid-template-columns:.85fr 1.15fr; gap:9vw; background:var(--cream); }
.advisor-photo { position:relative; max-width:560px; align-self:center; }
.advisor-photo img { width:100%; box-shadow:28px 28px 0 var(--gold-soft); }
.advisor-photo span { position:absolute; left:-22px; bottom:28px; padding:13px 18px; color:#fff; background:var(--navy); font-size:11px; letter-spacing:.06em; }
.advisor-copy { align-self:center; max-width:680px; }
.advisor-copy > p:not(.eyebrow) { max-width:590px; margin:30px 0 40px; color:var(--muted); }
.advisor-actions { display:flex; align-items:center; gap:30px; }
.advisor-actions > a:not(.button) { color:var(--muted); font-size:12px; line-height:1.5; border-bottom:1px solid var(--line); }

.quote-section { display:grid; grid-template-columns:.85fr 1.15fr; gap:9vw; padding:110px clamp(24px,7vw,110px); color:#fff; background:var(--navy-deep); }
.quote-section h2 { max-width:600px; color:#fff; }
.quote-copy > p:not(.eyebrow) { max-width:500px; color:rgba(255,255,255,.6); }
.quote-contact { display:flex; flex-direction:column; margin-top:60px; }
.quote-contact span { color:rgba(255,255,255,.5); font-size:11px; }
.quote-contact a { color:var(--gold); font:600 31px var(--serif); }
.quote-contact .quote-email { margin-top:8px; color:rgba(255,255,255,.72); font:500 13px var(--sans); }
.quote-quick-actions { display:flex; gap:10px; margin:18px 0 6px; }
.quote-contact .quote-quick-actions a { padding:10px 15px; color:#fff; border:1px solid rgba(255,255,255,.25); font:700 10px var(--sans); letter-spacing:.08em; text-transform:uppercase; }
.quote-contact .quote-quick-actions a:hover { color:var(--navy); border-color:var(--gold); background:var(--gold); }
.quote-form { display:grid; grid-template-columns:1fr 1fr; gap:25px; align-content:start; padding:42px; color:var(--navy); background:#fff; box-shadow:0 28px 70px rgba(0,0,0,.22); }
.form-intro { padding-bottom:8px; border-bottom:1px solid var(--line); }
.form-intro p { margin:0 0 7px; color:var(--navy); font:600 30px var(--serif); }
.form-intro span { color:var(--muted); font-size:12px; line-height:1.55; }
.quote-form label { display:flex; flex-direction:column; gap:6px; }
.quote-form label > span { color:var(--navy); font-size:10px; font-weight:700; letter-spacing:.1em; text-transform:uppercase; }
.quote-form .wide { grid-column:1/-1; }
.quote-form input, .quote-form select, .quote-form textarea { width:100%; padding:10px 2px 13px; color:var(--navy); border:0; border-bottom:1px solid #a8b1be; border-radius:0; outline:0; background:transparent; }
.quote-form select option { color:#111; }
.quote-form input:focus, .quote-form select:focus, .quote-form textarea:focus { border-color:var(--gold); }
.quote-form .invalid { border-color:#ff7c7c; }
.form-actions { display:flex; align-items:center; gap:18px; margin-top:5px; }
.quote-form .button { border:0; cursor:pointer; }
.form-status { min-height:20px; margin:0; color:var(--navy); font-size:12px; }
.form-note { margin:0; color:var(--muted); font-size:10px; }

footer { display:grid; grid-template-columns:1.4fr repeat(3,1fr); gap:7vw; padding:80px clamp(24px,6vw,90px) 28px; color:#fff; background:#021a39; }
.footer-brand { width:190px; height:190px; overflow:hidden; }
.footer-brand img { width:100%; height:100%; object-fit:cover; }
footer h3 { margin:10px 0 20px; color:var(--gold); font:600 18px var(--serif); }
footer > div:not(.footer-brand) { display:flex; flex-direction:column; align-items:flex-start; gap:9px; }
footer a, footer p { margin:0; color:rgba(255,255,255,.58); font-size:12px; }
footer a:hover { color:var(--gold); }
.footer-phone { color:#fff; font:600 20px var(--serif); }
footer small { grid-column:1/-1; padding-top:28px; border-top:1px solid rgba(255,255,255,.12); color:rgba(255,255,255,.38); font-size:10px; }

.reveal { opacity:0; transform:translateY(28px); transition:opacity .7s ease, transform .7s ease; }
.reveal.in-view { opacity:1; transform:none; }
.delay { transition-delay:.12s; }
.delay-2 { transition-delay:.22s; }
.delay-3 { transition-delay:.32s; }

@media (max-width: 1050px) {
  .brand { min-width:auto; }
  nav { gap:18px; }
  .hero { grid-template-columns:1fr 1fr; }
  .hero-crest { right:-6vw; }
  .coverage-grid { grid-template-columns:repeat(2,1fr); }
  .section-heading { grid-template-columns:1fr; gap:24px; }
  .approach { grid-template-columns:1fr; }
  .approach-visual { min-height:560px; }
}

@media (max-width: 760px) {
  .utility-bar { height:32px; justify-content:center; padding:0 16px; }
  .utility-bar p, .utility-bar span { display:none; }
  .site-header { top:32px; height:76px; padding:0 20px; }
  .brand-crop { width:45px; height:45px; }
  .brand-crop img { width:59px; left:-7px; top:-14px; }
  .brand-copy strong { font-size:18px; }
  .brand-copy small { font-size:7px; }
  .menu-toggle { position:relative; z-index:4; display:block; width:46px; height:46px; border:0; background:transparent; color:#fff; }
  .menu-toggle span { position:absolute; left:10px; width:26px; height:2px; background:#fff; transition:.25s; }
  .menu-toggle span:first-child { top:15px; }
  .menu-toggle span:nth-child(2) { top:24px; }
  .menu-toggle i { position:absolute; left:11px; bottom:0; font:normal 8px var(--sans); letter-spacing:.12em; text-transform:uppercase; }
  .menu-toggle[aria-expanded="true"] span:first-child { top:21px; rotate:45deg; }
  .menu-toggle[aria-expanded="true"] span:nth-child(2) { top:21px; rotate:-45deg; }
  nav { position:fixed; inset:0; z-index:3; display:flex; flex-direction:column; justify-content:center; gap:24px; background:var(--navy-deep); transform:translateX(100%); transition:.35s; }
  nav.open { transform:none; }
  nav > a:not(.nav-cta) { font:600 34px var(--serif); }
  .language-toggle { position:absolute; left:24px; top:22px; padding:8px; font-size:13px; }
  .nav-cta { font-size:16px; }
  .hero { height:auto; min-height:960px; display:block; padding:150px 24px 65px; }
  h1 { font-size:clamp(57px,17vw,78px); }
  .hero-lead { margin:24px 0 28px; font-size:16px; }
  .hero-actions { flex-direction:column; align-items:flex-start; gap:20px; }
  .hero-visual { min-height:380px; margin-top:18px; }
  .hero-image { width:520px; height:335px; left:-56px; }
  .hero-crest { width:108px; height:108px; right:-36px; top:4%; border-width:5px; }
  .coverage-note { left:0; bottom:0; width:265px; }
  .scroll-cue { display:none; }
  .trust-strip { grid-template-columns:1fr; margin:0 24px; translate:0 -20px; }
  .trust-strip div { padding:18px 24px; border-right:0; border-bottom:1px solid var(--line); }
  .section { padding:80px 24px; }
  .section-heading h2, .approach h2, .advisor h2, .quote-section h2 { font-size:50px; }
  .coverage-grid { grid-template-columns:1fr; }
  .coverage-card { min-height:330px; }
  .approach-copy { padding:80px 24px; }
  .approach li div { align-items:flex-start; flex-direction:column; gap:3px; }
  .approach-visual { min-height:430px; }
  .approach blockquote { left:24px; right:24px; bottom:22px; }
  .approach blockquote p { font-size:20px; }
  .advisor { grid-template-columns:1fr; gap:70px; }
  .advisor-photo span { left:-8px; }
  .advisor-actions { align-items:flex-start; flex-direction:column; }
  .quote-section { grid-template-columns:1fr; padding:80px 24px; }
  .quote-contact { margin-top:35px; }
  .quote-form { grid-template-columns:1fr; padding:30px 24px; }
  .quote-form label { grid-column:1/-1; }
  .form-actions { align-items:flex-start; flex-direction:column; }
  footer { grid-template-columns:1fr 1fr; gap:45px 30px; padding:65px 24px 25px; }
  .footer-brand { width:145px; height:145px; }
  footer small { grid-column:1/-1; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior:auto; }
  *, *::before, *::after { transition-duration:.01ms!important; }
  .reveal { opacity:1; transform:none; }
}