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

:root {
    --charcoal: #1A1A2E;
    --charcoal-light: #2D2D44;
    --charcoal-mid: #3D3D5C;
    --coral: #E85D4A;
    --coral-light: #F0786A;
    --coral-dark: #D14A38;
    --coral-pale: #FFF0EE;
    --white: #FFFFFF;
    --off-white: #FAFAFA;
    --gray-50: #F8F8FA;
    --gray-100: #F1F1F4;
    --gray-200: #E5E5EC;
    --gray-300: #D1D1DB;
    --gray-400: #A1A1AA;
    --gray-500: #71717A;
    --gray-600: #52525B;
    --gray-700: #3F3F46;
    --gray-800: #27272A;
    --font-heading: 'Outfit', sans-serif;
    --font-body: 'Inter', sans-serif;
    --shadow-sm: 0 1px 3px rgba(26, 26, 46, 0.08);
    --shadow-md: 0 4px 16px rgba(26, 26, 46, 0.1);
    --shadow-lg: 0 12px 40px rgba(26, 26, 46, 0.12);
    --shadow-xl: 0 20px 60px rgba(26, 26, 46, 0.15);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 28px;
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

body {
    font-family: var(--font-body);
    color: var(--charcoal);
    background: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

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

.skip-link {
    position: absolute;
    top: -100%;
    left: 16px;
    background: var(--coral);
    color: var(--white);
    padding: 8px 16px;
    border-radius: var(--radius-sm);
    z-index: 9999;
    font-weight: 600;
    text-decoration: none;
}
.skip-link:focus {
    top: 16px;
}

/* ─── HEADER ─── */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid transparent;
    transition: var(--transition);
}
.header.scrolled {
    border-bottom-color: var(--gray-200);
    box-shadow: var(--shadow-sm);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 76px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: var(--charcoal);
}
.logo:hover { opacity: 0.85; }

.logo-mark { flex-shrink: 0; }

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}
.logo-name {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 1.05rem;
    letter-spacing: -0.02em;
}
.logo-tagline {
    font-size: 0.7rem;
    color: var(--coral);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 4px;
    list-style: none;
}
.nav-link {
    color: var(--gray-600);
    text-decoration: none;
    font-size: 0.9rem;
    font-weight: 500;
    padding: 8px 16px;
    border-radius: var(--radius-sm);
    transition: var(--transition);
}
.nav-link:hover {
    color: var(--charcoal);
    background: var(--gray-100);
}
.nav-cta {
    display: flex;
    align-items: center;
    gap: 6px;
    background: var(--coral);
    color: var(--white);
    text-decoration: none;
    font-size: 0.85rem;
    font-weight: 600;
    padding: 10px 20px;
    border-radius: var(--radius-xl);
    transition: var(--transition);
    margin-left: 8px;
}
.nav-cta:hover {
    background: var(--coral-dark);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(232, 93, 74, 0.35);
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    width: 44px;
    height: 44px;
    position: relative;
    border-radius: var(--radius-sm);
}
.mobile-menu-btn:hover { background: var(--gray-100); }
.hamburger,
.hamburger::before,
.hamburger::after {
    display: block;
    width: 20px;
    height: 2px;
    background: var(--charcoal);
    border-radius: 2px;
    transition: var(--transition);
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
}
.hamburger { top: 50%; margin-top: -1px; }
.hamburger::before { content: ''; top: -6px; }
.hamburger::after { content: ''; bottom: -6px; }
.mobile-menu-btn[aria-expanded="true"] .hamburger { background: transparent; }
.mobile-menu-btn[aria-expanded="true"] .hamburger::before { top: 0; transform: translateX(-50%) rotate(45deg); }
.mobile-menu-btn[aria-expanded="true"] .hamburger::after { bottom: 0; transform: translateX(-50%) rotate(-45deg); }

/* ─── MOBILE MENU ─── */
.mobile-menu {
    display: none;
    position: fixed;
    top: 76px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--white);
    z-index: 999;
    padding: 24px;
    overflow-y: auto;
}
.mobile-menu.active { display: block; animation: fadeIn 0.2s ease; }
.mobile-menu-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.mobile-menu-link {
    display: block;
    color: var(--charcoal);
    text-decoration: none;
    font-size: 1.2rem;
    font-weight: 600;
    padding: 16px;
    border-radius: var(--radius-md);
    transition: var(--transition);
}
.mobile-menu-link:hover { background: var(--gray-100); }
.mobile-menu-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: var(--coral);
    color: var(--white);
    text-decoration: none;
    font-size: 1.1rem;
    font-weight: 700;
    padding: 18px;
    border-radius: var(--radius-md);
    margin-top: 16px;
}

/* ─── HERO ─── */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background: var(--charcoal);
    padding: 120px 0 80px;
    overflow: hidden;
}

.hero-bg-shapes {
    position: absolute;
    inset: 0;
    pointer-events: none;
    overflow: hidden;
}
.geo-circle {
    position: absolute;
    border-radius: 50%;
}
.geo-circle--1 {
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(232, 93, 74, 0.12) 0%, transparent 70%);
    top: -150px;
    right: -100px;
}
.geo-circle--2 {
    width: 350px;
    height: 350px;
    background: radial-gradient(circle, rgba(232, 93, 74, 0.08) 0%, transparent 70%);
    bottom: -80px;
    left: 10%;
}
.geo-rect {
    position: absolute;
    width: 120px;
    height: 120px;
    background: rgba(232, 93, 74, 0.06);
    border: 1px solid rgba(232, 93, 74, 0.1);
    top: 20%;
    right: 48%;
    transform: rotate(45deg);
    border-radius: 4px;
}
.geo-dots {
    position: absolute;
    width: 60px;
    height: 60px;
    background-image: radial-gradient(circle, rgba(232, 93, 74, 0.3) 1.5px, transparent 1.5px);
    background-size: 12px 12px;
}

.hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: rgba(232, 93, 74, 0.12);
    border: 1px solid rgba(232, 93, 74, 0.25);
    color: var(--coral-light);
    padding: 8px 18px;
    border-radius: var(--radius-xl);
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-bottom: 28px;
}
.badge-dot {
    width: 6px;
    height: 6px;
    background: var(--coral);
    border-radius: 50%;
    animation: pulse-dot 2s ease infinite;
}
.badge-dot:last-child { animation-delay: 1s; }

@keyframes pulse-dot {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.4); }
}

.hero-title {
    font-family: var(--font-heading);
    font-size: clamp(2.4rem, 5vw, 3.8rem);
    font-weight: 800;
    color: var(--white);
    line-height: 1.1;
    letter-spacing: -0.03em;
    margin-bottom: 24px;
}
.hero-title span { color: var(--coral); }

.hero-subtitle {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 500px;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    margin-bottom: 48px;
}

.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 600;
    text-decoration: none;
    padding: 14px 28px;
    border-radius: var(--radius-xl);
    border: none;
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
}
.btn-primary {
    background: var(--coral);
    color: var(--white);
}
.btn-primary:hover {
    background: var(--coral-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(232, 93, 74, 0.4);
}
.btn-secondary {
    background: rgba(255, 255, 255, 0.08);
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.2);
}
.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.15);
    transform: translateY(-2px);
}
.btn-lg { padding: 18px 36px; font-size: 1rem; }
.btn-full { width: 100%; justify-content: center; }
.btn-cta-primary {
    background: var(--white);
    color: var(--charcoal);
    padding: 18px 32px;
    font-size: 1rem;
}
.btn-cta-primary:hover {
    background: var(--coral-pale);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}
.btn-cta-secondary {
    background: transparent;
    color: var(--white);
    border: 2px solid rgba(255, 255, 255, 0.3);
    padding: 16px 32px;
    font-size: 1rem;
}
.btn-cta-secondary:hover {
    border-color: var(--white);
    background: rgba(255, 255, 255, 0.08);
}

.hero-stats {
    display: flex;
    align-items: center;
    gap: 0;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-md);
    padding: 20px 24px;
}
.stat {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 2px;
}
.stat-number {
    font-family: var(--font-heading);
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--white);
}
.stat-label {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.5);
}
.stat-divider {
    width: 1px;
    height: 36px;
    background: rgba(255, 255, 255, 0.1);
    flex-shrink: 0;
}

.hero-image-wrap {
    position: relative;
}
.hero-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    aspect-ratio: 620/720;
    box-shadow: var(--shadow-xl);
}
.hero-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

.hero-float-card {
    position: absolute;
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 16px 20px;
    display: flex;
    align-items: center;
    gap: 14px;
    box-shadow: var(--shadow-lg);
    animation: float 4s ease-in-out infinite;
}
.hero-float-card--alt { animation-delay: 2s; }
.hero-float-card--alt {
    bottom: 60px;
    left: -30px;
}
.hero-float-card {
    top: 80px;
    right: -20px;
}
.float-card-icon {
    width: 44px;
    height: 44px;
    background: var(--coral-pale);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--coral);
    flex-shrink: 0;
}
.float-card-label {
    font-size: 0.7rem;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    font-weight: 600;
}
.float-card-value {
    font-family: var(--font-heading);
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--charcoal);
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

/* ─── SECTION COMMONS ─── */
.section-label {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--coral);
    margin-bottom: 16px;
}
.label-line {
    width: 32px;
    height: 2px;
    background: var(--coral);
    border-radius: 2px;
    flex-shrink: 0;
}
.label-line--light { background: var(--coral-light); }

.section-title {
    font-family: var(--font-heading);
    font-size: clamp(2rem, 4vw, 2.8rem);
    font-weight: 800;
    color: var(--charcoal);
    line-height: 1.15;
    letter-spacing: -0.03em;
    margin-bottom: 16px;
}
.section-title--light { color: var(--white); }

.section-subtitle {
    font-size: 1.05rem;
    color: var(--gray-500);
    line-height: 1.7;
    max-width: 600px;
}
.section-subtitle--light { color: rgba(255, 255, 255, 0.7); }

/* ─── SERVICES ─── */
.services {
    padding: 100px 0;
    background: var(--white);
}
.services .container { text-align: center; }
.services .section-label { justify-content: flex-start; }
.services .section-title { margin-bottom: 12px; }
.services .section-subtitle { margin: 0 auto 56px; }

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

.service-card {
    position: relative;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 36px 28px;
    transition: var(--transition);
    overflow: hidden;
}
.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--coral);
    transform: scaleX(0);
    transform-origin: left;
    transition: var(--transition);
}
.service-card:hover {
    border-color: transparent;
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}
.service-card:hover::before { transform: scaleX(1); }

.service-card-accent {
    position: absolute;
    top: -30px;
    right: -30px;
    width: 100px;
    height: 100px;
    background: var(--coral-pale);
    border-radius: 50%;
    opacity: 0;
    transition: var(--transition);
}
.service-card:hover .service-card-accent { opacity: 1; }

.service-icon {
    width: 56px;
    height: 56px;
    background: var(--coral-pale);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    transition: var(--transition);
}
.service-card:hover .service-icon {
    background: var(--coral);
}
.service-card:hover .service-icon svg { stroke: var(--white); }

.service-title {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--charcoal);
    margin-bottom: 10px;
    letter-spacing: -0.01em;
}
.service-desc {
    font-size: 0.9rem;
    color: var(--gray-500);
    line-height: 1.65;
}

/* ─── WHY SECTION ─── */
.why-section {
    position: relative;
    padding: 100px 0;
    background: var(--charcoal);
    overflow: hidden;
}
.why-bg-shapes {
    position: absolute;
    inset: 0;
    pointer-events: none;
}
.geo-circle--why1 {
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(232, 93, 74, 0.08) 0%, transparent 70%);
    border-radius: 50%;
    top: -100px;
    left: -100px;
}
.geo-rect--why {
    width: 80px;
    height: 80px;
    background: rgba(232, 93, 74, 0.05);
    border: 1px solid rgba(232, 93, 74, 0.08);
    position: absolute;
    bottom: 15%;
    right: 8%;
    transform: rotate(30deg);
    border-radius: 4px;
}

.why-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
    position: relative;
    z-index: 1;
}
.why-content { max-width: 460px; }
.why-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.why-card {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.07);
    border-radius: var(--radius-lg);
    padding: 28px 24px;
    transition: var(--transition);
}
.why-card:hover {
    background: rgba(255, 255, 255, 0.07);
    border-color: rgba(232, 93, 74, 0.3);
    transform: translateY(-2px);
}
.why-card-number {
    display: block;
    font-family: var(--font-heading);
    font-size: 2.4rem;
    font-weight: 800;
    color: rgba(232, 93, 74, 0.25);
    line-height: 1;
    margin-bottom: 12px;
}
.why-card-title {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 8px;
}
.why-card-desc {
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.55);
    line-height: 1.6;
}

/* ─── ABOUT ─── */
.about {
    padding: 100px 0;
    background: var(--gray-50);
}
.about-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.about-image-section {
    position: relative;
}
.about-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    aspect-ratio: 560/680;
    box-shadow: var(--shadow-lg);
}
.about-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}
.about-accent {
    position: absolute;
    width: 120px;
    height: 120px;
    background: var(--coral);
    border-radius: var(--radius-md);
    bottom: -30px;
    right: -30px;
    z-index: -1;
    opacity: 0.15;
}

.about-stats-card {
    position: absolute;
    bottom: 40px;
    left: -20px;
    background: var(--charcoal);
    border-radius: var(--radius-md);
    padding: 24px 32px;
    display: flex;
    align-items: center;
    gap: 24px;
    box-shadow: var(--shadow-xl);
}
.about-stat {
    display: flex;
    flex-direction: column;
    gap: 2px;
}
.about-stat-num {
    font-family: var(--font-heading);
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--coral);
}
.about-stat-label {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.5);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}
.about-stat-divider {
    width: 1px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
}

.about-content .section-label { justify-content: flex-start; }
.about-title {
    font-family: var(--font-heading);
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 800;
    color: var(--charcoal);
    line-height: 1.15;
    letter-spacing: -0.02em;
    margin-bottom: 20px;
}
.about-text {
    font-size: 0.95rem;
    color: var(--gray-600);
    line-height: 1.75;
    margin-bottom: 16px;
}
.about-values {
    list-style: none;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px 24px;
    margin: 28px 0 32px;
}
.about-value {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--charcoal);
}
.value-check {
    width: 22px;
    height: 22px;
    background: var(--coral-pale);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: var(--coral);
}

/* ─── INSURANCE ─── */
.insurance {
    padding: 100px 0;
    background: var(--white);
}
.insurance-inner {
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    gap: 60px;
    align-items: center;
}
.insurance-content .section-label { justify-content: flex-start; }
.insurance-content .section-title { margin-bottom: 16px; }
.insurance-content .section-subtitle { margin-bottom: 32px; }

.insurance-logos-label {
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--gray-400);
    margin-bottom: 20px;
}
.insurance-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 12px;
    margin-bottom: 24px;
}
.ins-logo {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-sm);
    padding: 16px 12px;
    text-align: center;
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--gray-600);
    transition: var(--transition);
}
.ins-logo:hover {
    border-color: var(--coral);
    color: var(--coral);
    background: var(--coral-pale);
}
.insurance-note {
    font-size: 0.82rem;
    color: var(--gray-400);
    line-height: 1.6;
}

/* ─── CTA SECTION ─── */
.cta-section {
    position: relative;
    padding: 100px 0;
    background: var(--coral);
    overflow: hidden;
}
.cta-bg-shapes {
    position: absolute;
    inset: 0;
    pointer-events: none;
}
.geo-circle--cta1 {
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.06) 0%, transparent 70%);
    border-radius: 50%;
    top: -200px;
    right: -100px;
}
.geo-circle--cta2 {
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.04) 0%, transparent 70%);
    border-radius: 50%;
    bottom: -100px;
    left: 5%;
}

.cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    position: relative;
    z-index: 1;
}
.cta-content { flex: 1; }
.cta-title {
    font-family: var(--font-heading);
    font-size: clamp(2rem, 4vw, 2.8rem);
    font-weight: 800;
    color: var(--white);
    line-height: 1.15;
    letter-spacing: -0.03em;
    margin-bottom: 16px;
}
.cta-text {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.85);
    line-height: 1.7;
    max-width: 500px;
}
.cta-actions {
    display: flex;
    flex-shrink: 0;
    gap: 16px;
    flex-wrap: wrap;
}

/* ─── CONTACT ─── */
.contact {
    padding: 100px 0;
    background: var(--gray-50);
}
.contact-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
}
.contact-info .section-label { justify-content: flex-start; }
.contact-info .section-title { margin-bottom: 16px; }
.contact-text {
    font-size: 0.95rem;
    color: var(--gray-500);
    line-height: 1.7;
    margin-bottom: 36px;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 24px;
}
.contact-detail {
    display: flex;
    gap: 16px;
}
.contact-icon {
    width: 52px;
    height: 52px;
    background: var(--coral-pale);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.contact-detail-label {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--gray-400);
    margin-bottom: 4px;
}
.contact-detail-value {
    font-size: 0.95rem;
    color: var(--charcoal);
    line-height: 1.5;
}
.contact-link {
    color: var(--coral);
    text-decoration: none;
    font-weight: 600;
    transition: var(--transition);
}
.contact-link:hover { color: var(--coral-dark); }

.contact-form-wrap {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-200);
}
.contact-form { display: flex;
    flex-direction: column;
    gap: 20px;
}
.form-group { display: flex;
    flex-direction: column;
    gap: 6px;
}
.form-group label {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--charcoal);
}
.form-group input,
.form-group select,
.form-group textarea {
    font-family: var(--font-body);
    font-size: 0.9rem;
    padding: 12px 16px;
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-sm);
    background: var(--gray-50);
    color: var(--charcoal);
    transition: var(--transition);
    outline: none;
    width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--coral);
    background: var(--white);
    box-shadow: 0 0 0 3px rgba(232, 93, 74, 0.1);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--gray-400); }
.form-group textarea { resize: vertical; min-height: 100px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-success {
    display: none;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 16px;
    padding: 40px 20px;
}
.form-success.visible { display: flex; animation: fadeIn 0.4s ease; }
.success-icon { color: var(--coral); }
.form-success h3 {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--charcoal);
}
.form-success p {
    font-size: 0.9rem;
    color: var(--gray-500);
    line-height: 1.6;
    max-width: 360px;
}

/* ─── FOOTER ─── */
.footer {
    background: var(--charcoal);
    padding: 64px 0 0;
}
.footer-inner { padding: 0 24px; }
.footer-top {
    display: grid;
    grid-template-columns: 1.5fr 2fr;
    gap: 60px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.07);
}
.footer-brand { max-width: 320px; }
.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    color: var(--white);
    margin-bottom: 16px;
}
.footer-logo-text {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 1rem;
}
.footer-tagline {
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.5);
    line-height: 1.7;
}
.footer-links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}
.footer-col h4 {
    font-family: var(--font-heading);
    font-size: 0.82rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: rgba(255, 255, 255, 0.4);
    margin-bottom: 16px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    font-size: 0.88rem;
    transition: var(--transition);
}
.footer-col a:hover { color: var(--coral-light); }
.footer-bottom {
    display: flex;
    flex-direction: column;
    gap: 8px;
    padding: 24px 0;
}
.footer-copy {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.35);
}
.footer-disclaimer {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.2);
    line-height: 1.6;
}

/* ─── BACK TO TOP ─── */
.back-to-top {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 48px;
    height: 48px;
    background: var(--charcoal);
    color: var(--white);
    border: none;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transform: translateY(12px);
    transition: var(--transition);
    z-index: 100;
    box-shadow: var(--shadow-md);
}
.back-to-top.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.back-to-top:hover {
    background: var(--coral);
    transform: translateY(-2px);
}

/* ─── ANIMATIONS ─── */
@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}

.reveal {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.revealed {
    opacity: 1;
    transform: translateY(0);
}

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
    .hero-inner { gap: 40px; }
    .hero-image { max-width: 480px; }
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .why-inner { gap: 48px; }
    .about-inner { gap: 40px; }
    .insurance-inner { gap: 40px; }
    .insurance-grid { grid-template-columns: repeat(3, 1fr); }
    .cta-inner { flex-direction: column; text-align: center; }
    .cta-actions { justify-content: center; }
}

@media (max-width: 768px) {
    .nav { display: none; }
    .mobile-menu-btn { display: block; }
    
    .hero { padding: 100px 0 60px; min-height: auto; }
    .hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .hero-image-wrap { order: -1; max-width: 400px; margin: 0 auto; }
    .hero-float-card { display: none; }
    .hero-stats { flex-direction: column; gap: 12px; text-align: center; }
    .stat-divider { width: 40px; height: 1px; }
    
    .services-grid { grid-template-columns: 1fr; }
    
    .why-inner { grid-template-columns: 1fr; gap: 40px; }
    .why-grid { grid-template-columns: 1fr; }
    
    .about-inner { grid-template-columns: 1fr; }
    .about-image-section { max-width: 400px; margin: 0 auto; }
    .about-stats-card { left: 0; }
    .about-values { grid-template-columns: 1fr; }
    
    .insurance-inner { grid-template-columns: 1fr; }
    .insurance-grid { grid-template-columns: repeat(2, 1fr); }
    
    .contact-inner { grid-template-columns: 1fr; }
    .contact-form-wrap { padding: 24px; }
    .form-row { grid-template-columns: 1fr; }
    
    .footer-top { grid-template-columns: 1fr; gap: 32px; }
    .footer-links { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
    .container { padding: 0 16px; }
    .hero-title { font-size: 2rem; }
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { width: 100%; justify-content: center; }
    .btn-lg { padding: 16px 24px; }
    .cta-actions { flex-direction: column; width: 100%; }
    .cta-actions .btn { width: 100%; justify-content: center; }
    .footer-links { grid-template-columns: 1fr; }
    .insurance-grid { grid-template-columns: 1fr 1fr; }
}

@media (prefers-reduced-motion: no-preference) {
    .service-card { transition: opacity 0.6s ease, transform 0.6s ease, box-shadow 0.3s ease; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        transition-duration: 0.01ms !important;
    }
    html { scroll-behavior: auto; }
    .reveal { opacity: 1; transform: none; }
}