:root {
  --navy: #0a3161;
  --navy-dark: #051d3d;
  --gold: #b31942;
  --gold-light: #e0485f;
  --white: #ffffff;
  --off-white: #f6f7fa;
  --gray: #5a6472;
  --gray-light: #e3e6eb;
  --radius: 10px;
  --shadow: 0 6px 20px rgba(11, 37, 69, 0.08);
  --max-width: 1160px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: #1b2430;
  line-height: 1.6;
  background: var(--white);
}

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

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

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

h1, h2, h3 {
  color: var(--navy);
  line-height: 1.25;
}

section {
  padding: 80px 0;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 48px;
}

.section-header .eyebrow {
  color: var(--gold);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.8rem;
}

.section-header h2 {
  font-size: 2rem;
  margin-top: 8px;
}

.section-header p {
  color: var(--gray);
  margin-top: 12px;
}

.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
  border: 2px solid transparent;
  cursor: pointer;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 18px rgba(201, 162, 39, 0.35);
}

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

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.12);
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  box-shadow: 0 2px 10px rgba(11, 37, 69, 0.06);
  border-top: 5px solid var(--gold);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
}

.logo {
  display: flex;
  align-items: center;
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--navy);
  letter-spacing: -0.01em;
}

.logo span {
  color: var(--gold);
}

.logo-img {
  height: 50px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
}

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

.nav-cta {
  display: flex;
  align-items: center;
  gap: 20px;
}

.nav-phone {
  font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}

.nav-toggle span {
  width: 26px;
  height: 3px;
  background: var(--navy);
  border-radius: 2px;
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 110px 0;
}

.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}

.hero .eyebrow {
  color: var(--gold-light);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.85rem;
}

.hero h1 {
  color: var(--white);
  font-size: 2.75rem;
  margin: 14px 0 18px;
}

.hero p {
  color: #cfd8e6;
  font-size: 1.05rem;
  margin-bottom: 32px;
  max-width: 520px;
}

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

.hero-card {
  background: var(--white);
  color: #1b2430;
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
}

.hero-card h3 {
  margin-bottom: 6px;
}

.hero-card p {
  color: var(--gray);
  font-size: 0.9rem;
  margin-bottom: 20px;
}

.hero-card ul {
  list-style: none;
  margin-bottom: 20px;
}

.hero-card li {
  padding: 8px 0;
  border-bottom: 1px solid var(--gray-light);
  font-size: 0.92rem;
  display: flex;
  align-items: center;
  gap: 10px;
}

.hero-card li:last-child {
  border-bottom: none;
}

.hero-card li::before {
  content: "✓";
  color: var(--gold);
  font-weight: 700;
}

/* Trust bar */
.trust-bar {
  background: var(--off-white);
  padding: 28px 0;
  border-bottom: 1px solid var(--gray-light);
  border-top: 1px solid var(--gray-light);
}

.trust-bar .container {
  display: flex;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 20px;
  text-align: center;
}

.trust-bar strong {
  display: block;
  color: var(--navy);
  font-size: 1.4rem;
}

.trust-bar span {
  color: var(--gray);
  font-size: 0.85rem;
}

/* Services grid */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 30px rgba(11, 37, 69, 0.12);
}

.service-card.featured {
  border: 2px solid var(--gold);
  position: relative;
}

.service-card.featured::before {
  content: "Popular";
  position: absolute;
  top: -12px;
  right: 24px;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 999px;
}

.service-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--off-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}

.service-card h3 {
  font-size: 1.15rem;
  margin-bottom: 10px;
}

.service-card p {
  color: var(--gray);
  font-size: 0.93rem;
  margin-bottom: 16px;
}

.service-card a {
  font-weight: 700;
  color: var(--navy);
  font-size: 0.9rem;
}

.service-card a:hover {
  color: var(--gold);
}

/* Life insurance spotlight */
.spotlight {
  background: var(--navy);
  color: var(--white);
}

.spotlight .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.spotlight .eyebrow {
  color: var(--gold-light);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.8rem;
}

.spotlight h2 {
  color: var(--white);
  font-size: 2.1rem;
  margin: 12px 0 18px;
}

.spotlight p {
  color: #cfd8e6;
  margin-bottom: 24px;
}

.spotlight-list {
  list-style: none;
  margin-bottom: 28px;
}

.spotlight-list li {
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  gap: 12px;
}

.spotlight-list li::before {
  content: "✓";
  color: var(--gold-light);
  font-weight: 700;
}

.spotlight-panel {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius);
  padding: 32px;
}

.spotlight-panel h3 {
  color: var(--white);
  margin-bottom: 16px;
}

.policy-type {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.policy-type:last-child {
  border-bottom: none;
}

.policy-type strong {
  display: block;
  color: var(--white);
  font-size: 0.98rem;
}

.policy-type span {
  color: #b7c2d3;
  font-size: 0.82rem;
}

/* About */
.about .container {
  max-width: 760px;
  text-align: center;
}

.about .about-stats {
  text-align: left;
}

.about-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 28px;
}

.stat-box {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
}

.stat-box strong {
  display: block;
  font-size: 1.6rem;
  color: var(--navy);
}

.stat-box span {
  color: var(--gray);
  font-size: 0.85rem;
}

/* Contact */
.contact {
  background: var(--off-white);
}

.contact .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
}

.contact-info-list {
  list-style: none;
  margin-top: 24px;
}

.contact-info-list li {
  padding: 14px 0;
  border-bottom: 1px solid var(--gray-light);
}

.contact-info-list strong {
  display: block;
  color: var(--navy);
  font-size: 0.95rem;
}

.contact-info-list span {
  color: var(--gray);
  font-size: 0.9rem;
}

form {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
}

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

.form-group {
  margin-bottom: 18px;
}

label {
  display: block;
  font-weight: 600;
  font-size: 0.88rem;
  margin-bottom: 6px;
  color: var(--navy);
}

input, select, textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-light);
  border-radius: 8px;
  font-family: inherit;
  font-size: 0.95rem;
  background: var(--white);
}

input:focus, select:focus, textarea:focus {
  outline: 2px solid var(--gold);
  outline-offset: 1px;
}

textarea {
  resize: vertical;
  min-height: 110px;
}

.form-note {
  font-size: 0.8rem;
  color: var(--gray);
  margin-top: 12px;
}

.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  opacity: 0;
}

/* Footer */
footer {
  background: var(--navy-dark);
  color: #b7c2d3;
  padding: 56px 0 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-grid h4 {
  color: var(--white);
  margin-bottom: 16px;
  font-size: 1rem;
}

.footer-grid ul {
  list-style: none;
}

.footer-grid li {
  margin-bottom: 10px;
  font-size: 0.9rem;
}

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

.footer-logo {
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--white);
  margin-bottom: 12px;
}

.footer-logo span {
  color: var(--gold);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
}

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

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

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

@media (max-width: 720px) {
  .nav-links,
  .nav-phone {
    display: none;
  }

  .nav-toggle {
    display: flex;
  }

  .site-header.open .nav-links {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 20px 24px;
    gap: 18px;
    box-shadow: 0 10px 20px rgba(11, 37, 69, 0.08);
  }

  .hero {
    padding: 72px 0;
  }

  .hero h1 {
    font-size: 2.1rem;
  }

  section {
    padding: 56px 0;
  }

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

  .form-row {
    grid-template-columns: 1fr;
  }

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