/* ==========================================================
   Nestreset — site stylesheet
   Calm teal, navy and gold
   ========================================================== */
:root {
    --terra: #1f6f78;
    --terra-dark: #17565d;
    --terra-soft: #d9eeee;
    --sage: #b8893a;
    --sage-dark: #14313f;
    --sage-soft: #f3ead6;
    --cream: #f6f9f9;
    --linen: #e6efee;
    --espresso: #12232c;
    --white: #ffffff;
    --text: #3b4d55;
    --muted: #62767e;
    --line: #d3e0df;
    --r: 20px;
    --arch: 999px 999px 20px 20px;
    --shadow: 0 26px 50px -30px rgba(18, 35, 44, .45);
    --serif: 'Fraunces', Georgia, serif;
    --sans: 'Manrope', system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); font-size: 16.5px; line-height: 1.75; color: var(--text); background: var(--cream); -webkit-font-smoothing: antialiased; }
body.nav-open { overflow: hidden; }
img { max-width: 100%; display: block; }
a { color: var(--terra); text-decoration: none; transition: color .2s; }
a:hover { color: var(--espresso); }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 400; color: var(--espresso); line-height: 1.12; margin: 0 0 .5em; }
h1 { font-size: clamp(2.6rem, 5.6vw, 4.6rem); }
h2 { font-size: clamp(2rem, 3.8vw, 3.1rem); }
h3 { font-size: 1.55rem; }
h4 { font-size: 1.2rem; }
h1 em, h2 em { color: var(--terra); }
p { margin: 0 0 1em; }

.wrap { width: 100%; max-width: 1220px; margin: 0 auto; padding: 0 24px; }
.section { padding: 110px 0; }
.section-sm { padding: 70px 0; }
.bg-white { background: var(--white); }
.bg-linen { background: var(--linen); }
.bg-sage { background: var(--sage-dark); color: #cfdde3; }
.bg-sage h2, .bg-sage h3, .bg-sage h4 { color: var(--white); }
.bg-sage h2 em { color: #e8cf95; }
.center { text-align: center; }

.over { display: inline-block; font-weight: 700; font-size: .8rem; letter-spacing: .18em; text-transform: uppercase; color: var(--sage); margin-bottom: 14px; }
.over::before { content: "\f015"; font-family: "Font Awesome 6 Free"; font-weight: 900; margin-right: 8px; color: var(--terra); }
.bg-sage .over { color: #e8cf95; }
.bg-sage .over::before { color: #e8cf95; }
.intro { max-width: 700px; margin: 0 auto 60px; text-align: center; }
.intro p { color: var(--muted); font-size: 1.08rem; }
.bg-sage .intro p { color: #a9bec8; }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 10px; font-family: var(--sans); font-weight: 700; font-size: .98rem; padding: 15px 30px; border-radius: 12px; border: 2px solid transparent; cursor: pointer; transition: all .2s; }
.btn-terra { background: var(--terra); color: var(--white); }
.btn-terra:hover { background: var(--terra-dark); color: var(--white); transform: translateY(-2px); }
.btn-dark { background: var(--espresso); color: var(--white); }
.btn-dark:hover { background: #233f4d; color: var(--white); transform: translateY(-2px); }
.btn-ghost { border-color: var(--espresso); color: var(--espresso); }
.btn-ghost:hover { background: var(--espresso); color: var(--white); }
.btn-light { background: var(--white); color: var(--sage-dark); }
.btn-light:hover { background: var(--cream); color: var(--espresso); }

/* Header */
.site-header { position: sticky; top: 0; z-index: 60; background: rgba(246, 249, 249, .95); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); transition: box-shadow .25s; }
.site-header.scrolled { box-shadow: 0 12px 30px -24px rgba(18, 35, 44, .5); }
.header-inner { display: flex; align-items: center; gap: 30px; height: 88px; }
.brand img { width: 190px; }
.main-nav { display: flex; align-items: center; gap: 28px; margin-left: auto; }
.main-nav a:not(.btn) { color: var(--espresso); font-weight: 600; position: relative; }
.main-nav a:not(.btn)::before { content: ""; position: absolute; left: 50%; bottom: -8px; width: 6px; height: 6px; border-radius: 50%; background: var(--terra); transform: translateX(-50%) scale(0); transition: transform .2s; }
.main-nav a:not(.btn):hover::before, .main-nav a.current:not(.btn)::before { transform: translateX(-50%) scale(1); }
.nav-cta { padding: 12px 22px; }
.call-pill { display: flex; align-items: center; gap: 12px; padding-left: 26px; border-left: 1px solid var(--line); color: var(--espresso); font-weight: 700; line-height: 1.25; }
.call-pill i { width: 42px; height: 42px; border-radius: 50%; background: var(--sage-soft); color: var(--sage-dark); display: grid; place-items: center; }
.call-pill small { display: block; font-weight: 500; color: var(--muted); font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; }
.nav-toggle { display: none; margin-left: auto; width: 48px; height: 48px; border: 0; border-radius: 12px; background: var(--terra); cursor: pointer; flex-direction: column; justify-content: center; align-items: center; gap: 5px; }
.nav-toggle span { width: 22px; height: 2px; background: var(--white); transition: transform .25s, opacity .25s; }
.nav-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Hero */
.hero { padding: 70px 0 100px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 70px; align-items: center; }
.hero p.lead { font-size: 1.18rem; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin: 32px 0 44px; }
.hero-art { position: relative; }
.hero-art .arch { border-radius: var(--arch); overflow: hidden; aspect-ratio: 4 / 5; box-shadow: var(--shadow); }
.hero-art .arch img { width: 100%; height: 100%; object-fit: cover; }
.hero-art::before { content: ""; position: absolute; inset: 30px -30px -30px 30px; border-radius: var(--arch); border: 2px solid var(--terra); z-index: -1; }
.hero-badge { position: absolute; left: -40px; bottom: 60px; background: var(--white); border-radius: 16px; padding: 18px 22px; box-shadow: var(--shadow); display: flex; gap: 14px; align-items: center; }
.hero-badge i { width: 46px; height: 46px; border-radius: 12px; background: var(--terra-soft); color: var(--terra); display: grid; place-items: center; font-size: 1.2rem; }
.hero-badge strong { display: block; font-family: var(--serif); font-weight: 400; font-size: 1.15rem; color: var(--espresso); }
.hero-badge span { font-size: .88rem; color: var(--muted); }
.hero-facts { display: flex; gap: 34px; flex-wrap: wrap; }
.hero-facts div { display: flex; align-items: center; gap: 10px; font-weight: 600; color: var(--espresso); }
.hero-facts i { color: var(--sage); }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.split .collage { background: var(--white); border-radius: var(--r); padding: 26px; border: 1px solid var(--line); }
.split .collage img { width: 100%; height: auto; }
.split h5 { font-family: var(--sans); font-size: .95rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--terra); margin: 0 0 14px; }
.split + .split { margin-top: 100px; }
.split.flip > :first-child { order: 2; }

/* Steps timeline */
.timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; position: relative; }
.timeline::before { content: ""; position: absolute; top: 34px; left: 12%; right: 12%; height: 2px; background: repeating-linear-gradient(90deg, var(--terra) 0 10px, transparent 10px 20px); }
.t-step { text-align: center; position: relative; }
.t-step .dot { width: 70px; height: 70px; margin: 0 auto 28px; border-radius: 50%; background: var(--terra); color: var(--white); font-family: var(--serif); font-size: 1.9rem; display: grid; place-items: center; box-shadow: 0 0 0 10px var(--cream); }
.t-step p { color: var(--muted); margin: 0; }

/* Insurance types */
.types { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.type-card { background: var(--white); border-radius: var(--r); overflow: hidden; border: 1px solid var(--line); transition: transform .25s, box-shadow .25s; }
.type-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.type-card .img { background: var(--linen); padding: 20px; }
.type-card img { width: 100%; aspect-ratio: 4 / 3; object-fit: contain; }
.type-card .body { padding: 26px 28px 30px; }
.type-card .label { display: inline-block; background: var(--sage-soft); color: var(--sage-dark); font-weight: 700; font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; padding: 5px 12px; border-radius: 999px; margin-bottom: 12px; }
.type-card p { color: var(--muted); margin: 0; }

/* Lists */
.check { list-style: none; padding: 0; margin: 20px 0; display: grid; gap: 12px; }
.check li { display: flex; gap: 12px; align-items: flex-start; }
.check li::before { content: "\f00c"; font-family: "Font Awesome 6 Free"; font-weight: 900; flex: 0 0 28px; height: 28px; border-radius: 8px; background: var(--terra-soft); color: var(--terra); display: grid; place-items: center; font-size: .75rem; margin-top: 2px; }
.bg-sage .check li::before { background: rgba(255, 255, 255, .12); color: #e8cf95; }
.check.two-col { grid-template-columns: 1fr 1fr; }

/* Service band */
.service-band { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; }
.service-band .feature-tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; align-content: center; }
.feature-tiles div { background: rgba(255, 255, 255, .08); border-radius: 16px; padding: 24px; }
.feature-tiles i { font-size: 1.4rem; color: #e8cf95; margin-bottom: 12px; display: block; }
.feature-tiles strong { color: var(--white); font-family: var(--serif); font-weight: 400; font-size: 1.2rem; display: block; margin-bottom: 4px; }
.feature-tiles span { font-size: .92rem; color: #a9bec8; }

/* Testimonials */
.testis { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.testi { background: var(--white); border-radius: var(--r); padding: 30px 26px; border: 1px solid var(--line); display: flex; flex-direction: column; position: relative; }
.testi::before { content: "\201C"; font-family: var(--serif); font-size: 5rem; line-height: 1; color: var(--terra-soft); position: absolute; top: 10px; right: 20px; }
.testi p { flex: 1; font-size: 1rem; color: var(--espresso); position: relative; }
.testi .who { display: flex; align-items: center; gap: 12px; padding-top: 18px; border-top: 1px solid var(--line); }
.testi .who img { width: 50px; height: 50px; border-radius: 50%; object-fit: cover; }
.testi .who strong { font-family: var(--serif); font-weight: 400; font-size: 1.1rem; color: var(--espresso); }

/* CTA */
.cta-card { background: var(--terra); border-radius: 28px; padding: 70px; display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; position: relative; overflow: hidden; }
.cta-card::after { content: "\f015"; font-family: "Font Awesome 6 Free"; font-weight: 900; position: absolute; right: -20px; bottom: -60px; font-size: 16rem; color: rgba(255, 255, 255, .08); }
.cta-card h2 { color: var(--white); margin-bottom: 10px; }
.cta-card p { color: #dcefee; margin: 0; font-size: 1.1rem; }
.cta-card .actions { text-align: right; position: relative; z-index: 1; }

/* Page hero */
.page-hero { padding: 80px 0 0; }
.page-hero .inner { display: grid; grid-template-columns: 1.2fr .8fr; gap: 50px; align-items: end; padding-bottom: 70px; border-bottom: 1px solid var(--line); }
.page-hero .crumbs { font-weight: 600; color: var(--muted); margin-bottom: 16px; font-size: .92rem; }
.page-hero .crumbs a { color: var(--terra); }
.page-hero .crumbs i { font-size: .7rem; margin: 0 10px; }
.page-hero p { color: var(--muted); font-size: 1.12rem; margin: 0; }
.page-hero .thumb { border-radius: var(--arch); overflow: hidden; aspect-ratio: 4 / 3; }
.page-hero .thumb img { width: 100%; height: 100%; object-fit: cover; }

/* Who we are */
.banner-img { border-radius: var(--r); overflow: hidden; background: var(--white); border: 1px solid var(--line); }
.banner-img img { width: 100%; max-height: 520px; object-fit: contain; }
.pillars { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; margin-top: 50px; }
.pillar { background: var(--white); border-radius: var(--r); padding: 38px; border-left: 5px solid var(--terra); }
.pillar:nth-child(2) { border-color: var(--sage); }
.pillar p { margin: 0; color: var(--muted); }
.quote-band { background: var(--espresso); color: #cfdde3; border-radius: 28px; padding: 70px; text-align: center; }
.quote-band h2 { color: var(--white); }
.quote-band p { max-width: 820px; margin: 0 auto; font-size: 1.1rem; }
.duo-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
.duo-cards > div { background: var(--white); border-radius: var(--r); padding: 44px; border: 1px solid var(--line); }
.duo-cards i.ico { width: 60px; height: 60px; border-radius: 18px; background: var(--terra-soft); color: var(--terra); display: grid; place-items: center; font-size: 1.5rem; margin-bottom: 22px; }
.duo-cards > div:nth-child(2) i.ico { background: var(--sage-soft); color: var(--sage-dark); }
.duo-cards p { margin: 0; color: var(--muted); }

/* Insurance page */
.covers { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 18px; }
.cover { background: var(--white); border-radius: 18px; padding: 28px 24px; border: 1px solid var(--line); }
.cover i { color: var(--terra); font-size: 1.5rem; margin-bottom: 14px; display: block; }
.cover h4 { font-size: 1.2rem; }
.cover p { margin: 0; color: var(--muted); font-size: .95rem; }
.home-types { display: flex; flex-wrap: wrap; gap: 12px; margin: 20px 0; }
.home-types span { background: var(--white); border: 1px solid var(--line); border-radius: 999px; padding: 10px 18px; font-weight: 600; color: var(--espresso); }
.home-types i { color: var(--sage); margin-right: 8px; }
.photo { border-radius: var(--r); overflow: hidden; }
.photo img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; }
.photo.arch { border-radius: var(--arch); }
.photo.arch img { aspect-ratio: 4 / 5; }

/* Forms */
.form-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 30px; align-items: start; }
.form-card { background: var(--white); border-radius: 24px; padding: 50px; border: 1px solid var(--line); box-shadow: var(--shadow); }
.form-card.narrow { max-width: 520px; margin: 0 auto; }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 700; font-size: .9rem; color: var(--espresso); margin-bottom: 6px; }
.field input { width: 100%; padding: 15px 18px; border-radius: 12px; border: 1.5px solid var(--line); background: var(--cream); font: inherit; color: var(--espresso); transition: border-color .2s, background .2s; }
.field input:focus { outline: none; border-color: var(--terra); background: var(--white); }
.consent { display: grid; gap: 12px; font-size: .88rem; line-height: 1.6; color: var(--muted); margin-top: 6px; }
.consent label { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; padding: 14px 16px; background: var(--cream); border-radius: 12px; }
.consent input { flex: 0 0 18px; width: 18px; height: 18px; margin-top: 3px; accent-color: var(--terra); }
.consent a { color: var(--terra); font-weight: 700; text-decoration: underline; }
#form-message { display: none; margin: 16px 0 0; font-weight: 600; }
.form-card .btn { width: 100%; justify-content: center; margin-top: 22px; }
.aside-stack { display: grid; gap: 18px; }
.info { background: var(--sage-dark); border-radius: 24px; padding: 40px; color: #cfdde3; }
.info h3 { color: var(--white); }
.info-line { display: flex; gap: 16px; align-items: center; padding: 16px 0; border-top: 1px solid rgba(255, 255, 255, .12); }
.info-line i { width: 48px; height: 48px; border-radius: 14px; background: rgba(255, 255, 255, .1); color: #e8cf95; display: grid; place-items: center; flex: 0 0 48px; }
.info-line small { display: block; color: #a9bec8; }
.info-line a, .info-line strong { color: var(--white); font-weight: 700; }
.aside-photo { border-radius: var(--arch); overflow: hidden; }
.aside-photo img { width: 100%; aspect-ratio: 1 / 1; object-fit: cover; }
.form-links { display: flex; justify-content: space-between; font-size: .92rem; font-weight: 600; }

/* Legal */
.legal { display: grid; grid-template-columns: 270px 1fr; gap: 50px; align-items: start; }
.legal-toc { position: sticky; top: 110px; background: var(--white); border-radius: var(--r); padding: 26px; border: 1px solid var(--line); max-height: calc(100vh - 140px); overflow: auto; }
.legal-toc h4 { font-size: 1.15rem; }
.legal-toc a { display: block; color: var(--text); font-size: .9rem; line-height: 1.4; padding: 8px 0 8px 14px; position: relative; }
.legal-toc a::before { content: ""; position: absolute; left: 0; top: 14px; width: 6px; height: 6px; border-radius: 50%; background: var(--line); }
.legal-toc a:hover { color: var(--terra); }
.legal-toc a:hover::before { background: var(--terra); }
.legal-text { background: var(--white); border-radius: var(--r); padding: 56px; border: 1px solid var(--line); }
.legal-text h2 { font-size: 1.8rem; margin-top: 1.7em; scroll-margin-top: 110px; }
.legal-text h2:first-child { margin-top: 0; }
.legal-text li { margin-bottom: .5em; }
.legal-text li::marker { color: var(--terra); }

/* Footer */
.site-footer { background: var(--espresso); color: #a9bec8; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.3fr; gap: 40px; padding: 80px 0 60px; }
.footer-brand img { width: 210px; margin-bottom: 18px; }
.footer-brand p { max-width: 320px; }
.site-footer h4 { color: var(--white); margin-bottom: 16px; }
.footer-grid > div:not(.footer-brand) a { display: block; color: #a9bec8; margin-bottom: 10px; }
.footer-grid a:hover { color: #e8cf95 !important; }
.footer-grid i { color: #e8cf95; width: 18px; margin-right: 6px; }
.footer-bottom { background: #0c1a21; padding: 22px 0; }
.footer-bottom .wrap { display: flex; justify-content: space-between; align-items: center; }
.footer-bottom p { margin: 0; }
.footer-bottom a { color: var(--white); }
.to-top { width: 44px; height: 44px; border-radius: 12px; background: var(--terra); display: grid; place-items: center; }

/* Reveal */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }
.delay-1 { transition-delay: .1s; }
.delay-2 { transition-delay: .2s; }
.delay-3 { transition-delay: .3s; }

/* Responsive */
@media (max-width: 1180px) {
    .call-pill { display: none; }
    .testis { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 960px) {
    .nav-toggle { display: flex; }
    .main-nav { position: fixed; inset: 88px 0 0; background: var(--cream); flex-direction: column; align-items: stretch; gap: 0; padding: 20px 24px; transform: translateX(100%); transition: transform .3s ease; overflow-y: auto; }
    .main-nav.open { transform: none; }
    .main-nav a:not(.btn) { font-family: var(--serif); font-size: 1.6rem; font-weight: 400; padding: 14px 0; border-bottom: 1px solid var(--line); }
    .main-nav a:not(.btn)::before { display: none; }
    .nav-cta { margin-top: 24px; justify-content: center; }
    .hero-grid, .split, .service-band, .cta-card, .page-hero .inner, .form-grid, .legal, .duo-cards, .pillars { grid-template-columns: 1fr; }
    .split.flip > :first-child { order: 0; }
    .hero-art { max-width: 480px; margin: 0 auto; }
    .hero-badge { left: 0; }
    .timeline, .types { grid-template-columns: 1fr; gap: 30px; }
    .timeline::before { display: none; }
    .cta-card .actions { text-align: left; }
    .legal-toc { position: static; max-height: none; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
    .wrap { padding: 0 16px; }
    .section { padding: 76px 0; }
    .header-inner { height: 76px; }
    .main-nav { inset: 76px 0 0; }
    .brand img { width: 160px; }
    .hero-art::before { inset: 16px -10px -16px 16px; }
    .testis, .row-2, .check.two-col, .service-band .feature-tiles, .footer-grid { grid-template-columns: 1fr; }
    .cta-card, .quote-band { padding: 44px 26px; }
    .form-card, .legal-text, .duo-cards > div, .info { padding: 30px 22px; }
    .footer-bottom .wrap { flex-direction: column; gap: 14px; align-items: flex-start; }
}

/* Text brand mark */
.brand { font-family: var(--serif); font-size: 1.9rem; color: var(--espresso); display: inline-flex; align-items: center; gap: 10px; font-weight: 600; letter-spacing: -.01em; }
.brand i { width: 40px; height: 40px; border-radius: 12px; background: var(--terra); color: #fff; display: grid; place-items: center; font-size: 1.1rem; }
.brand:hover { color: var(--espresso); }
.site-footer .brand { color: #fff; margin-bottom: 18px; }
.site-footer .brand:hover { color: #fff; }
.plan-img { border-radius: var(--r); overflow: hidden; }
.plan-img img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; }
.type-card .img { padding: 0; }
.type-card img { object-fit: cover; }
.split .collage { padding: 0; overflow: hidden; }
.split .collage img { aspect-ratio: 4 / 3; object-fit: cover; }
.banner-img img { object-fit: cover; }
.note { font-size: .88rem; color: var(--muted); margin-top: 18px; }