/* ═══════════════════════════════════════════════════════════════
   DECK THE STEPS — styles.css
   Color Palette:
     --navy:     #0B2545  (Deep Navy — authority, trust)
     --navy-mid: #143566  (Mid Navy — hover states)
     --gold:     #C9A84C  (Warm Gold — premium accent)
     --gold-lt:  #E2C47A  (Light Gold — hover)
     --crimson:  #7B1A1A  (Deep Crimson — holiday accent)
     --off-white:#F7F5F0  (Warm Off-White — section bg)
     --white:    #FFFFFF
     --text:     #1A1A2E  (Near-black)
     --text-mid: #4A4A6A  (Mid-tone body text)
═══════════════════════════════════════════════════════════════ */

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:     #0B2545;
  --navy-mid: #143566;
  --gold:     #C9A84C;
  --gold-lt:  #E2C47A;
  --crimson:  #7B1A1A;
  --off-white:#F7F5F0;
  --white:    #FFFFFF;
  --text:     #1A1A2E;
  --text-mid: #4A4A6A;
  --radius:   6px;
  --shadow-sm: 0 2px 8px rgba(11,37,69,0.08);
  --shadow-md: 0 8px 30px rgba(11,37,69,0.12);
  --shadow-lg: 0 20px 60px rgba(11,37,69,0.18);
  --transition: 0.3s ease;
  --font-serif: 'Cormorant Garamond', Georgia, serif;
  --font-sans:  'Jost', system-ui, sans-serif;
}

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

body {
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5 {
  font-family: var(--font-serif);
  line-height: 1.15;
  font-weight: 600;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; font-family: var(--font-sans); }

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

/* ── Shared Typography ── */
.eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.eyebrow.light { color: var(--gold-lt); }

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 60px;
}
.section-header h2 {
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--navy);
  margin-bottom: 16px;
}
.section-intro {
  color: var(--text-mid);
  font-size: 1.05rem;
  font-weight: 300;
}

.divider-gold {
  width: 56px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin: 0 auto 20px;
}
.divider-gold.left { margin-left: 0; }

/* ── Buttons ── */
.btn-gold, .btn-outline-light, .btn-outline-dark, .btn-card {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-lt);
  border-color: var(--gold-lt);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.35);
}

.btn-outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.55);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn-outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-dark:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-card {
  padding: 10px 0;
  color: var(--gold);
  border: none;
  font-size: 0.82rem;
  background: transparent;
}
.btn-card:hover { color: var(--gold-lt); gap: 12px; }

.btn-full { width: 100%; justify-content: center; }

/* ── Navbar ── */
.navbar {
  position: fixed;
  top: 0; left: 0; width: 100%;
  z-index: 900;
  padding: 18px 0;
  background: rgba(11,37,69,0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  transition: padding var(--transition), box-shadow var(--transition);
}
.navbar.scrolled {
  padding: 12px 0;
  box-shadow: 0 2px 20px rgba(0,0,0,0.25);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.logo-icon {
  width: 34px; height: 34px;
  background: var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
  font-size: 0.9rem;
  flex-shrink: 0;
}
.logo-text {
  font-family: var(--font-serif);
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.02em;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links a {
  color: rgba(255,255,255,0.82);
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  position: relative;
  transition: color var(--transition);
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0;
  width: 0; height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}
.nav-links a:hover, .nav-links a.nav-active { color: var(--white); }
.nav-links a:hover::after, .nav-links a.nav-active::after { width: 100%; }

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  padding: 9px 22px;
  border-radius: var(--radius);
  font-weight: 600 !important;
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { background: var(--gold-lt) !important; }

.mobile-menu-btn {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
}
.mobile-menu-btn span {
  display: block;
  width: 24px; height: 2px;
  background: var(--gold);
  border-radius: 2px;
  transition: var(--transition);
}
.mobile-menu-btn.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.mobile-menu-btn.open span:nth-child(2) { opacity: 0; }
.mobile-menu-btn.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    url('https://images.unsplash.com/photo-1543383416-651b1424b455?q=80&w=2070&auto=format&fit=crop')
    center / cover no-repeat;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(11,37,69,0.94) 0%,
    rgba(11,37,69,0.80) 55%,
    rgba(11,37,69,0.50) 100%
  );
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 120px 24px 80px;
  max-width: 760px;
}

.hero h1 {
  font-size: clamp(3rem, 7vw, 5.5rem);
  color: var(--white);
  font-weight: 700;
  margin-bottom: 24px;
  line-height: 1.05;
}
.hero h1 em {
  font-style: italic;
  color: var(--gold);
}

.hero-eyebrow {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.85);
  font-weight: 300;
  max-width: 560px;
  margin-bottom: 40px;
  line-height: 1.75;
}

.hero-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 56px;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.75);
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.04em;
}
.trust-item i { color: var(--gold); font-size: 0.9rem; }
.trust-divider {
  width: 1px; height: 18px;
  background: rgba(255,255,255,0.25);
}

.hero-scroll-hint {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  color: rgba(255,255,255,0.4);
  font-size: 1rem;
  animation: bounce 2s infinite;
  z-index: 2;
}
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50%       { transform: translateX(-50%) translateY(8px); }
}

/* ── Services ── */
.services {
  padding: 100px 0;
  background: var(--off-white);
}

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

.service-card {
  background: var(--white);
  border-radius: 10px;
  padding: 40px 32px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
  overflow: hidden;
  border-top: 4px solid transparent;
}
.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-top-color: var(--gold);
}
.service-card--featured {
  border-top-color: var(--gold);
  box-shadow: var(--shadow-md);
}

.featured-badge {
  position: absolute;
  top: 18px; right: 18px;
  background: var(--gold);
  color: var(--navy);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 20px;
}

.service-card-top {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 18px;
}

.service-icon-wrap {
  width: 52px; height: 52px;
  background: var(--navy);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 1.3rem;
  flex-shrink: 0;
}

.service-card h3 {
  font-size: 1.35rem;
  color: var(--navy);
}

.service-card > p {
  color: var(--text-mid);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 24px;
  flex: 1;
}

.service-perks {
  margin-bottom: 24px;
}
.service-perks li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--text-mid);
  margin-bottom: 8px;
}
.service-perks li i {
  color: var(--gold);
  font-size: 0.75rem;
  flex-shrink: 0;
}

/* ── Why Us ── */
.why-us {
  padding: 100px 0;
  background: var(--white);
}

.why-us-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.why-us-left h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--navy);
  margin-bottom: 14px;
}
.lead-text {
  font-size: 1.05rem;
  color: var(--text-mid);
  font-weight: 300;
  margin-bottom: 44px;
  line-height: 1.8;
}

.feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}

.feature-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.feature-icon {
  width: 44px; height: 44px;
  background: var(--off-white);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 1.1rem;
  flex-shrink: 0;
}

.feature-item h4 {
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 6px;
  font-weight: 600;
}
.feature-item p {
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.65;
}

/* Insurance Card */
.insurance-card {
  background: var(--navy);
  border-radius: 12px;
  padding: 44px 40px;
  color: var(--white);
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: 100px;
}

.insurance-card-header {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  margin-bottom: 20px;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.insurance-card-header > i {
  font-size: 2.2rem;
  color: var(--gold);
  margin-top: 4px;
  flex-shrink: 0;
}
.insurance-eyebrow {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 6px;
}
.insurance-card-header h3 {
  font-size: 1.5rem;
  color: var(--white);
  line-height: 1.2;
}

.insurance-intro {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 28px;
  line-height: 1.7;
}

.insurance-items {
  display: flex;
  flex-direction: column;
  gap: 22px;
  margin-bottom: 32px;
}

.insurance-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.insurance-item-icon {
  width: 38px; height: 38px;
  background: rgba(201,168,76,0.15);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 1rem;
  flex-shrink: 0;
}
.insurance-item h4 {
  font-size: 0.95rem;
  color: var(--gold-lt);
  margin-bottom: 4px;
}
.insurance-item p {
  font-size: 0.86rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.6;
}

/* ── Process ── */
.process {
  padding: 100px 0;
  background: var(--off-white);
}

.process-track {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
  margin-top: 20px;
}

.process-track::before {
  content: '';
  position: absolute;
  top: 28px;
  left: calc(16.66% + 28px);
  right: calc(16.66% + 28px);
  height: 2px;
  background: linear-gradient(to right, var(--gold), var(--gold));
  opacity: 0.3;
}

.process-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 24px;
  position: relative;
}

.process-num {
  font-family: var(--font-serif);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--gold);
  background: var(--navy);
  width: 56px; height: 56px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 24px;
  position: relative;
  z-index: 2;
  box-shadow: 0 0 0 8px rgba(11,37,69,0.08);
}

.process-icon {
  font-size: 1.8rem;
  color: var(--gold);
  margin-bottom: 16px;
}

.process-step h3 {
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 12px;
}
.process-step p {
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.7;
  max-width: 280px;
}

/* ── Contact Section ── */
.contact {
  padding: 100px 0;
  background: var(--white);
}

.contact-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

/* Left Panel */
.contact-panel-left {
  background: var(--navy);
  padding: 60px 48px;
  color: var(--white);
  display: flex;
  flex-direction: column;
}

.contact-panel-left h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--white);
  margin-bottom: 14px;
}
.contact-sub {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 44px;
  line-height: 1.75;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 40px;
  flex: 1;
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  transition: opacity var(--transition);
}
.contact-detail-item:hover { opacity: 0.85; }

.contact-detail-icon {
  width: 42px; height: 42px;
  background: rgba(201,168,76,0.15);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 1rem;
  flex-shrink: 0;
}
.detail-label {
  display: block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 3px;
}
.detail-value {
  display: block;
  font-size: 0.95rem;
  color: var(--white);
}

.social-row {
  display: flex;
  gap: 12px;
  margin-top: auto;
}
.social-btn {
  width: 40px; height: 40px;
  border-radius: 8px;
  background: rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1rem;
  transition: background var(--transition), color var(--transition);
}
.social-btn:hover {
  background: var(--gold);
  color: var(--navy);
}

/* Right Panel — Multi-Step Form */
.contact-panel-right {
  background: var(--white);
  padding: 56px 52px;
}

/* Progress Indicator */
.form-progress {
  display: flex;
  align-items: center;
  margin-bottom: 40px;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  flex: 0 0 auto;
}
.progress-dot {
  width: 40px; height: 40px;
  border-radius: 50%;
  border: 2px solid #D8D8E8;
  display: flex; align-items: center; justify-content: center;
  color: #B0B0C8;
  font-size: 0.9rem;
  transition: var(--transition);
  background: var(--white);
}
.progress-step span {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #B0B0C8;
  transition: color var(--transition);
}
.progress-step.active .progress-dot {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--gold);
}
.progress-step.active span { color: var(--navy); }
.progress-step.completed .progress-dot {
  border-color: var(--gold);
  background: var(--gold);
  color: var(--navy);
}
.progress-step.completed span { color: var(--gold); }

.progress-line {
  flex: 1;
  height: 2px;
  background: #D8D8E8;
  margin: 0 8px;
  margin-bottom: 26px;
  transition: background var(--transition);
}
.progress-line.filled { background: var(--gold); }

/* Form Steps */
.form-step { display: none; }
.form-step.active { display: block; }

.form-step-title {
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 28px;
}

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

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-mid);
  margin-bottom: 8px;
}
.req { color: var(--crimson); }

.input-wrap {
  position: relative;
}
.input-icon {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: #B0B0C8;
  font-size: 0.9rem;
  pointer-events: none;
  transition: color var(--transition);
}
.input-icon-ta {
  top: 16px;
  transform: none;
}

.input-wrap input,
.input-wrap select,
.input-wrap textarea {
  width: 100%;
  padding: 12px 14px 12px 40px;
  border: 1.5px solid #D8D8E8;
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
  -webkit-appearance: none;
}
.input-wrap textarea { resize: vertical; min-height: 90px; }

.input-wrap input:focus,
.input-wrap select:focus,
.input-wrap textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(11,37,69,0.08);
}
.input-wrap input:focus ~ .input-icon,
.input-wrap select:focus ~ .input-icon,
.input-wrap textarea:focus ~ .input-icon { color: var(--navy); }

.input-wrap.select-wrap .select-arrow {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: #B0B0C8;
  font-size: 0.75rem;
  pointer-events: none;
}
.input-wrap.textarea-wrap { align-items: flex-start; }

.input-wrap input.error,
.input-wrap select.error { border-color: var(--crimson); }

.field-error {
  display: block;
  font-size: 0.78rem;
  color: var(--crimson);
  margin-top: 5px;
  min-height: 16px;
}

/* Option Cards (Service Type) */
.option-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.option-card input[type="radio"] { display: none; }
.option-card-inner {
  border: 1.5px solid #D8D8E8;
  border-radius: var(--radius);
  padding: 16px 10px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.option-card-inner i {
  font-size: 1.4rem;
  color: #B0B0C8;
  transition: color var(--transition);
}
.option-card-inner span {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-mid);
  transition: color var(--transition);
}
.option-card input:checked + .option-card-inner {
  border-color: var(--navy);
  background: rgba(11,37,69,0.04);
}
.option-card input:checked + .option-card-inner i { color: var(--gold); }
.option-card input:checked + .option-card-inner span { color: var(--navy); }
.option-card-inner:hover {
  border-color: var(--navy);
  background: rgba(11,37,69,0.03);
}

/* Color Swatches */
.color-swatches {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.swatch-option { display: flex; flex-direction: column; align-items: center; gap: 8px; cursor: pointer; }
.swatch-option input[type="radio"] { display: none; }
.swatch {
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 3px solid transparent;
  transition: border-color var(--transition), transform var(--transition);
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}
.swatch-custom {
  background: linear-gradient(135deg, #f5c842, #e84393, #4a90e2, #50c878);
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: 1rem;
}
.swatch-option input:checked + .swatch {
  border-color: var(--navy);
  transform: scale(1.15);
}
.swatch-option span {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--text-mid);
  letter-spacing: 0.05em;
}

/* Form Navigation */
.form-nav {
  display: flex;
  justify-content: flex-end;
  gap: 12px;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid #EBEBF5;
}

/* Submit Button */
.btn-submit {
  padding: 14px 32px;
  font-size: 0.88rem;
}

/* Success State */
.form-success {
  text-align: center;
  padding: 40px 20px;
}
.success-icon {
  font-size: 4rem;
  color: #2ecc71;
  margin-bottom: 20px;
}
.form-success h3 {
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 12px;
}
.form-success p {
  color: var(--text-mid);
  margin-bottom: 8px;
  font-size: 1rem;
}
.success-contact a {
  color: var(--gold);
  font-weight: 600;
}

/* ── Footer ── */
.footer {
  background: #07192E;
  color: rgba(255,255,255,0.65);
}

.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding: 72px 24px 48px;
}

.footer-brand p {
  font-size: 0.9rem;
  margin-top: 14px;
  margin-bottom: 20px;
  max-width: 240px;
  line-height: 1.7;
}
.footer-brand .logo-text { color: var(--white); }

.footer-socials { display: flex; gap: 10px; }
.footer-socials a {
  width: 36px; height: 36px;
  border-radius: 6px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.65);
  font-size: 0.95rem;
  transition: background var(--transition), color var(--transition);
}
.footer-socials a:hover { background: var(--gold); color: var(--navy); }

.footer-links h4,
.footer-contact h4 {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 18px;
}

.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.88rem;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--gold); }

.footer-contact {
  display: flex;
  flex-direction: column;
}
.footer-contact a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  margin-bottom: 12px;
  transition: color var(--transition);
}
.footer-contact a:hover { color: var(--gold); }
.footer-contact i { color: var(--gold); font-size: 0.85rem; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 20px 24px;
  text-align: center;
  font-size: 0.82rem;
}

/* ═══════════════════════════════════════════════════════════════
   FAQ PAGE
═══════════════════════════════════════════════════════════════ */

/* Page Hero (shared for inner pages) */
.page-hero {
  position: relative;
  padding: 160px 0 80px;
  background:
    url('https://images.unsplash.com/photo-1512389142860-9c449e58a543?q=80&w=2069&auto=format&fit=crop')
    center / cover no-repeat;
  overflow: hidden;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(11,37,69,0.90) 0%, rgba(11,37,69,0.75) 100%);
}
.page-hero-content {
  position: relative;
  z-index: 2;
  color: var(--white);
}
.page-hero-content .eyebrow a { color: var(--gold-lt); }
.page-hero-content .eyebrow a:hover { color: var(--gold); }
.page-hero-content h1 {
  font-size: clamp(2.4rem, 5vw, 4rem);
  color: var(--white);
  margin-bottom: 16px;
}
.page-hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.78);
  max-width: 560px;
  line-height: 1.75;
  font-weight: 300;
}

/* FAQ Layout */
.faq-section {
  padding: 80px 0 100px;
  background: var(--off-white);
}

.faq-container {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 56px;
  align-items: start;
}

/* Sidebar */
.faq-sidebar {
  position: sticky;
  top: 100px;
}

.sidebar-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--text-mid);
  margin-bottom: 14px;
}

.faq-nav {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 36px;
}

.faq-nav-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border-radius: var(--radius);
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-mid);
  transition: background var(--transition), color var(--transition);
}
.faq-nav-link i {
  font-size: 0.85rem;
  color: var(--gold);
  width: 16px;
  text-align: center;
}
.faq-nav-link:hover, .faq-nav-link.active {
  background: var(--white);
  color: var(--navy);
  box-shadow: var(--shadow-sm);
}

.sidebar-cta {
  background: var(--navy);
  border-radius: 10px;
  padding: 28px 24px;
  text-align: center;
}
.sidebar-cta p {
  color: rgba(255,255,255,0.75);
  font-size: 0.88rem;
  margin-bottom: 16px;
}
.sidebar-cta .btn-gold,
.sidebar-cta .btn-outline-dark {
  width: 100%;
  justify-content: center;
  font-size: 0.8rem;
}
.sidebar-cta .btn-outline-dark {
  color: rgba(255,255,255,0.75);
  border-color: rgba(255,255,255,0.3);
}
.sidebar-cta .btn-outline-dark:hover {
  background: rgba(255,255,255,0.1);
  color: var(--white);
}

/* FAQ Content */
.faq-content {
  display: flex;
  flex-direction: column;
  gap: 52px;
}

.faq-category-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 20px;
  padding-bottom: 16px;
  border-bottom: 2px solid var(--white);
}

.faq-cat-icon {
  width: 46px; height: 46px;
  background: var(--navy);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 1.1rem;
  flex-shrink: 0;
}

.faq-category-header h2 {
  font-size: 1.6rem;
  color: var(--navy);
}

/* Accordion */
.accordion {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.accordion-item {
  background: var(--white);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid transparent;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.accordion-item.open {
  border-color: rgba(201,168,76,0.35);
  box-shadow: var(--shadow-md);
}

.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  transition: background var(--transition);
}
.accordion-trigger:hover { background: rgba(11,37,69,0.02); }

.accordion-trigger span {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.35;
}

.accordion-icon {
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--off-white);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
  font-size: 0.75rem;
  flex-shrink: 0;
  transition: background var(--transition), color var(--transition), transform var(--transition);
}
.accordion-item.open .accordion-icon {
  background: var(--gold);
  color: var(--navy);
  transform: rotate(45deg);
}

.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  padding: 0 24px;
}
.accordion-item.open .accordion-panel {
  max-height: 600px;
  padding: 0 24px 22px;
}
.accordion-panel p {
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.8;
}
.accordion-panel a {
  color: var(--gold);
  font-weight: 600;
  border-bottom: 1px solid rgba(201,168,76,0.4);
  transition: color var(--transition);
}
.accordion-panel a:hover { color: var(--navy); }

/* FAQ CTA Band */
.faq-cta-band {
  background: var(--navy);
  padding: 60px 0;
}
.faq-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.faq-cta-band h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--white);
  margin-bottom: 8px;
}
.faq-cta-band p {
  color: rgba(255,255,255,0.65);
  font-size: 1rem;
}
.faq-cta-btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════════════ */

@media (max-width: 1024px) {
  .services-grid { grid-template-columns: 1fr 1fr; }
  .why-us-inner { grid-template-columns: 1fr; gap: 48px; }
  .insurance-card { position: static; }
  .feature-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 36px; }
  .faq-container { grid-template-columns: 220px 1fr; gap: 36px; }
}

@media (max-width: 860px) {
  .contact-wrapper { grid-template-columns: 1fr; }
  .contact-panel-left { padding: 48px 36px; }
  .contact-panel-right { padding: 48px 36px; }
  .process-track { grid-template-columns: 1fr; gap: 40px; }
  .process-track::before { display: none; }
  .faq-container { grid-template-columns: 1fr; }
  .faq-sidebar { position: static; }
  .faq-nav { flex-direction: row; flex-wrap: wrap; }
}

@media (max-width: 768px) {
  .nav-links {
    position: absolute;
    top: 100%; left: 0;
    width: 100%;
    background: var(--navy);
    flex-direction: column;
    padding: 24px;
    gap: 20px;
    clip-path: polygon(0 0, 100% 0, 100% 0, 0 0);
    transition: clip-path 0.35s ease;
    border-top: 1px solid rgba(255,255,255,0.08);
  }
  .nav-links.open { clip-path: polygon(0 0, 100% 0, 100% 100%, 0 100%); }
  .mobile-menu-btn { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .option-cards { grid-template-columns: 1fr 1fr 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .faq-cta-inner { flex-direction: column; text-align: center; }
  .faq-cta-btns { justify-content: center; }
  .hero-trust { gap: 12px; }
  .trust-divider { display: none; }
}

@media (max-width: 480px) {
  .hero h1 { font-size: 2.6rem; }
  .hero-btns { flex-direction: column; }
  .contact-panel-left, .contact-panel-right { padding: 36px 24px; }
  .option-cards { grid-template-columns: 1fr; }
  .color-swatches { gap: 10px; }
}