:root {
  --navy: #12304a;
  --navy-2: #1c4768;
  --charcoal: #2f3440;
  --cream: #f7f3ea;
  --white: #ffffff;
  --soft-gold: #c9a96a;
  --gold-2: #e0c38b;
  --muted-blue: #7d95ab;
  --blue-gray: #e8eef4;
  --text: #213040;
  --text-soft: #5a6a79;
  --border: rgba(18, 48, 74, 0.12);
  --shadow: 0 16px 40px rgba(18, 48, 74, 0.08);
  --shadow-hover: 0 22px 50px rgba(18, 48, 74, 0.14);
  --radius: 18px;
  --max: 1180px;
  --transition: 0.32s ease;
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Inter", "Segoe UI", Arial, sans-serif;
  background: linear-gradient(180deg, #f8fbfd 0%, #f4efe6 100%);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

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

button,
input,
textarea,
select {
  font: inherit;
}

/* Layout */
.container {
  width: min(calc(100% - 32px), var(--max));
  margin: 0 auto;
}

.narrow {
  width: min(calc(100% - 32px), 860px);
  margin: 0 auto;
}

.section {
  padding: 42px 0;
}

.section-sm {
  padding-top: 24px;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 84px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 0;
}

.brand-logo {
  width: 64px;
  height: 64px;
  object-fit: contain;
  border-radius: 14px;
  background: #fff;
  box-shadow: var(--shadow);
  padding: 6px;
  transition: transform var(--transition), box-shadow var(--transition);
}

.brand:hover .brand-logo {
  transform: translateY(-2px);
  box-shadow: var(--shadow-hover);
}

.brand-text {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.brand-name {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
}

.brand-tagline {
  font-size: 0.88rem;
  color: var(--text-soft);
  line-height: 1.25;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 18px;
}

.site-nav a {
  color: var(--navy);
  font-weight: 600;
  transition: color var(--transition), opacity var(--transition);
}

.site-nav a:hover {
  color: var(--navy-2);
}

.site-nav a.active {
  color: var(--soft-gold);
}

.nav-cta {
  padding: 12px 18px;
  background: linear-gradient(135deg, var(--soft-gold), var(--gold-2));
  border-radius: 999px;
  color: #1f2430 !important;
  box-shadow: var(--shadow);
  transition:
    transform var(--transition),
    box-shadow var(--transition),
    filter var(--transition);
}

.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-hover);
  filter: saturate(1.03);
}

.menu-toggle {
  display: none;
  border: 0;
  background: transparent;
  font-size: 1.5rem;
  color: var(--navy);
  cursor: pointer;
  padding: 0;
}

/* Typography */
.hero-copy h1,
.page-title {
  margin: 0 0 16px;
  font-size: clamp(2.4rem, 5vw, 4.3rem);
  line-height: 1.05;
  color: var(--navy);
  letter-spacing: -0.03em;
}

h2 {
  color: var(--navy);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  margin: 0 0 14px;
  line-height: 1.15;
}

h3 {
  color: var(--navy);
  margin: 0 0 10px;
  line-height: 1.2;
}

p {
  margin: 0 0 12px;
}

.eyebrow {
  display: inline-block;
  margin: 0 0 16px;
  color: var(--soft-gold);
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-size: 0.8rem;
}

.hero-subheadline,
.page-intro {
  font-size: 1.15rem;
  color: var(--text);
  margin: 0 0 12px;
}

.hero-support,
.about-copy p,
.verify-card p,
.services-cta-text,
.verify-list,
.trust-card p,
.why-here p {
  color: var(--text-soft);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  cursor: pointer;
  padding: 14px 22px;
  border-radius: 999px;
  font-weight: 800;
  transition:
    transform var(--transition),
    opacity var(--transition),
    box-shadow var(--transition),
    filter var(--transition);
}

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

.btn-primary {
  background: linear-gradient(135deg, var(--soft-gold), var(--gold-2));
  color: #1f2430;
  box-shadow: var(--shadow);
}

.btn-primary:hover {
  box-shadow: var(--shadow-hover);
  filter: saturate(1.03);
}

.btn-secondary {
  background: rgba(255, 255, 255, 0.86);
  color: var(--navy);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.btn-secondary:hover {
  box-shadow: var(--shadow);
}

.centered-cta {
  display: flex;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}

/* Home / landing layouts */
.hero {
  padding: 48px 0 24px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  gap: 30px;
  align-items: center;
}

.hero-copy,
.about-copy,
.form-shell,
.trust-card,
.verify-card {
  background: rgba(255, 255, 255, 0.86);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero-copy {
  padding: 30px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 20px;
}

.hero-visual {
  min-width: 0;
}

.art-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}

.art-card {
  position: relative;
  height: 180px;
  border-radius: 18px;
  overflow: hidden;
  background-size: cover;
  background-position: center;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}

.art-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
}

.art-home-1 {
  grid-column: 1 / -1;
  min-height: 250px;
  background:
    linear-gradient(135deg, rgba(18, 48, 74, 0.14), rgba(201, 169, 106, 0.08)),
    url("suburban-family-home.jpg") center/cover no-repeat;
}

.art-home-2 {
  background:
    linear-gradient(135deg, rgba(18, 48, 74, 0.14), rgba(201, 169, 106, 0.08)),
    url("starter-home.jpg") center/cover no-repeat;
}

.art-home-3 {
  background:
    linear-gradient(135deg, rgba(18, 48, 74, 0.14), rgba(201, 169, 106, 0.08)),
    url("upscale-townhome.jpg") center/cover no-repeat;
}

.art-home-1::before,
.art-home-2::before,
.art-home-3::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(18, 48, 74, 0.62),
    rgba(28, 71, 104, 0.18)
  );
  border-radius: inherit;
  z-index: 0;
}

.art-home-1 > *,
.art-home-2 > *,
.art-home-3 > * {
  position: relative;
  z-index: 1;
}

.art-overlay {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 12px;
  padding: 18px;
  background: linear-gradient(180deg, transparent, rgba(18,48,74,0.78));
  color: var(--white);
}

.art-overlay strong {
  display: block;
  margin-bottom: 4px;
  font-size: 1rem;
}

.art-overlay span {
  font-size: 0.92rem;
  opacity: 0.95;
}

.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 28px;
  align-items: center;
}

.about-image-wrap {
  background: linear-gradient(180deg, #fff, #f7f3ea);
  padding: 18px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.about-image {
  width: 100%;
  border-radius: 14px;
  object-fit: contain;
  background: #fff;
  transition: transform var(--transition), box-shadow var(--transition);
}

.about-image:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-hover);
}

.about-copy {
  padding: 24px;
}

.trust-grid,
.verification-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-top: 22px;
}

.trust-card,
.verify-card {
  padding: 22px;
  transition: transform var(--transition), box-shadow var(--transition);
}

.trust-card:hover,
.verify-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-hover);
}

/* Services flip cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  padding-top: 22px;
  align-items: stretch;
}

.flip-card {
  width: 100%;
  height: 340px;
  perspective: 1200px;
  background: transparent;
  border: 0;
  padding: 0;
  margin: 0;
  cursor: pointer;
  text-align: left;
  display: block;
}

.flip-card-inner {
  position: relative;
  width: 100%;
  height: 100%;
  transform-style: preserve-3d;
  transition: transform 0.7s ease;
}

.flip-card.is-flipped .flip-card-inner {
  transform: rotateY(180deg);
}

.flip-card-front,
.flip-card-back {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  backface-visibility: hidden;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}

.flip-card-front {
  color: var(--white);
  display: flex;
  align-items: flex-end;
  justify-content: flex-start;
}

.flip-card-back {
  background: linear-gradient(180deg, #fff, #f7f3ea);
  padding: 22px;
  transform: rotateY(180deg);
}

.image-card {
  background-size: cover;
  background-repeat: no-repeat;
  position: relative;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.image-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(18,48,74,0.12) 0%,
    rgba(18,48,74,0.34) 45%,
    rgba(18,48,74,0.76) 100%
  );
  transition: background 0.35s ease;
}

.flip-card:hover .image-card {
  transform: scale(1.03) translateY(-3px);
  box-shadow: var(--shadow-hover);
}

.flip-card:hover .image-card::before {
  background: linear-gradient(
    180deg,
    rgba(18,48,74,0.18) 0%,
    rgba(18,48,74,0.42) 45%,
    rgba(18,48,74,0.82) 100%
  );
}

.image-mortgage {
  background-image: url("mortgageprotection.jpg");
  background-position: center 30%;
}

.image-finalexpense {
  background-image: url("finalexpense.jpg");
  background-position: center 42%;
}

.image-wholelife {
  background-image: url("wholelife.jpg");
  background-position: center 30%;
}

.service-overlay {
  position: relative;
  z-index: 1;
  width: 100%;
  padding: 24px 22px;
}

.service-overlay h2 {
  color: var(--white);
  margin: 0 0 6px;
  font-size: 1.55rem;
  line-height: 1.15;
}

.micro-line {
  color: rgba(255,255,255,0.92);
  margin: 0;
  font-size: 0.95rem;
}

/* Verification */
.verify-list {
  padding-left: 18px;
  margin: 0;
}

/* Forms */
.form-shell {
  padding: 24px;
}

.review-form {
  width: 100%;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.field-full {
  grid-column: 1 / -1;
}

.field label,
.checkbox-group legend {
  font-weight: 700;
  color: var(--navy);
}

.field input,
.field textarea,
.field select {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: rgba(255,255,255,0.96);
  color: var(--text);
  outline: none;
  transition:
    border-color var(--transition),
    box-shadow var(--transition),
    background var(--transition);
}

.field input::placeholder,
.field textarea::placeholder {
  color: #7f8d99;
}

.field input:focus,
.field textarea:focus,
.field select:focus {
  border-color: rgba(201, 169, 106, 0.7);
  box-shadow: 0 0 0 3px rgba(201, 169, 106, 0.18);
}

.checkbox-group,
.consent-wrap,
.captcha-wrap {
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 18px;
  background: rgba(255,255,255,0.72);
}

.checkbox-group legend {
  padding: 0 6px;
}

.checkbox-group label,
.consent-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: var(--text);
}

.consent-label span {
  line-height: 1.6;
}

.checkbox-group input[type="checkbox"],
.consent-label input[type="checkbox"] {
  margin-top: 2px;
}

.consent-note,
.privacy-link {
  font-size: 0.92rem;
  color: var(--text-soft);
}

.honeypot {
  position: absolute;
  left: -9999px;
  opacity: 0;
  pointer-events: none;
}

.thank-you {
  margin-top: 22px;
  padding: 22px;
  border-radius: 16px;
  background: linear-gradient(180deg, #f7f3ea, #ffffff);
  border: 1px solid var(--border);
}

.hidden {
  display: none;
}

/* Footer */
.site-footer {
  margin-top: 50px;
  border-top: 1px solid var(--border);
  background: rgba(255,255,255,0.75);
}

.footer-inner {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
}

.footer-nav {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.social-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  font-weight: 600;
}

.social-icon {
  width: 28px;
  height: 28px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--navy);
  color: var(--white);
  font-weight: 800;
  line-height: 1;
  font-family: Arial, sans-serif;
}

/* Responsive */
@media (max-width: 980px) {
  .hero-grid,
  .about-grid,
  .card-grid,
  .verification-grid,
  .trust-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .site-nav {
    position: absolute;
    right: 16px;
    top: 84px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    background: rgba(255,255,255,0.98);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 14px;
    box-shadow: var(--shadow);
    min-width: 220px;
  }

  .site-nav.open {
    display: flex;
  }

  .menu-toggle {
    display: block;
  }

  .nav-wrap {
    position: relative;
  }
}

@media (max-width: 640px) {
  .brand-logo {
    width: 54px;
    height: 54px;
  }

  .brand-name {
    font-size: 1rem;
  }

  .brand-tagline {
    font-size: 0.8rem;
  }

  .hero {
    padding-top: 34px;
  }

  .btn,
  .nav-cta {
    width: 100%;
  }

  .hero-actions,
  .centered-cta {
    flex-direction: column;
    align-items: stretch;
  }

  .flip-card {
    height: 460px !important;
    margin-bottom: 28px;
  }

  .flip-card-inner {
    height: 460px !important;
    min-height: 460px !important;
  }

  .flip-card-front,
  .flip-card-back {
    height: 460px !important;
    min-height: 460px !important;
  }

  .flip-card-back {
    padding: 28px 20px !important;
    overflow-y: auto;
  }

  .card-grid {
    gap: 28px;
  }

  .form-shell,
  .trust-card,
  .verify-card,
  .about-image-wrap {
    padding: 18px;
  }

  .service-overlay {
    padding: 20px 18px;
  }

  .service-overlay h2 {
    font-size: 1.35rem;
  }

  .art-overlay {
    bottom: 8px;
    padding: 14px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
  }
}