/* ===== VARIABLES ===== */
:root {
  --navy: #1a2744;
  --navy-dark: #111c33;
  --navy-mid: #243159;
  --rust: #c0522a;
  --rust-dark: #a8441f;
  --rust-light: #d4693f;
  --white: #ffffff;
  --off-white: #f7f8fc;
  --gray-100: #f1f3f8;
  --gray-200: #e4e8f0;
  --gray-400: #9aa3b8;
  --gray-700: #4a5568;
  --text: #1e2535;
  --font: 'Inter', system-ui, -apple-system, sans-serif;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.06);
  --shadow: 0 4px 12px rgba(0,0,0,.1);
  --shadow-lg: 0 12px 32px rgba(0,0,0,.15);
  --radius: 10px;
  --radius-lg: 16px;
  --nav-h: 68px;
  --transition: 0.22s ease;
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--font); color: var(--text); background: var(--white); line-height: 1.6; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ===== LAYOUT ===== */
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 88px 0;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}

.section-header h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.2;
}

.section-header p {
  font-size: 1.05rem;
  color: var(--gray-700);
}

.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--rust);
  margin-bottom: 10px;
}

.section-label.light {
  color: var(--rust-light);
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 6px;
  font-size: 1rem;
  font-weight: 700;
  line-height: 1;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--rust);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(192,82,42,.35);
}
.btn-primary:hover {
  background: var(--rust-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(192,82,42,.45);
}

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

.btn-full { width: 100%; }

/* ===== NAV ===== */
.nav-wrapper {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  box-shadow: 0 2px 12px rgba(0,0,0,.25);
  height: var(--nav-h);
  display: flex;
  align-items: center;
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.nav-logo img {
  height: 64px;
  width: auto;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-links a {
  color: rgba(255,255,255,.85);
  font-size: 0.95rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  transition: color var(--transition), background var(--transition);
}

.nav-links a:hover {
  color: var(--white);
  background: rgba(255,255,255,.1);
}

.nav-links .nav-cta {
  background: var(--rust);
  color: var(--white);
  font-weight: 700;
  padding: 9px 20px;
}

.nav-links .nav-cta:hover {
  background: var(--rust-dark);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: calc(100vh - var(--nav-h));
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 60%, #2e3d6b 100%);
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E") repeat;
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 720px;
  padding-top: 40px;
  padding-bottom: 60px;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(192,82,42,.2);
  border: 1px solid rgba(192,82,42,.5);
  color: #f5b48a;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 24px;
}

.hero-company {
  font-size: clamp(1rem, 2.2vw, 1.35rem);
  font-weight: 700;
  color: rgba(255,255,255,.9);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 10px;
  border-left: 4px solid var(--rust);
  padding-left: 14px;
}

.hero h1 {
  font-size: clamp(2.4rem, 6vw, 4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

.hero h1 .accent {
  color: var(--rust-light);
}

.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,.75);
  max-width: 540px;
  margin-bottom: 36px;
  line-height: 1.7;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-top: 28px;
  color: rgba(255,255,255,.6);
  font-size: 0.9rem;
}

.hero-trust span {
  display: flex;
  align-items: center;
  gap: 6px;
}

/* ===== SERVICES ===== */
.services {
  background: var(--off-white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}

.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: transform var(--transition), box-shadow var(--transition);
}

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

.card-icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
}

.card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.card p {
  font-size: 0.92rem;
  color: var(--gray-700);
  line-height: 1.65;
}

/* ===== ABOUT ===== */
.about {
  background: var(--white);
}

.about-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.about-text h2 {
  font-size: clamp(1.6rem, 3vw, 2.3rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 18px;
}

.about-text p {
  color: var(--gray-700);
  margin-bottom: 16px;
  line-height: 1.7;
}

.about-list {
  margin: 24px 0 32px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.about-list li {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 10px;
}

.about-visual {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.about-stat {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
  box-shadow: var(--shadow);
}

.stat-number {
  display: block;
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--rust-light);
  line-height: 1;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,.7);
  font-weight: 500;
}

/* ===== INSURANCE ===== */
.insurance {
  background: var(--navy);
}

.insurance-inner {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 56px;
  align-items: start;
}

.insurance-icon {
  font-size: 5rem;
  line-height: 1;
  padding-top: 8px;
}

.insurance-text h2 {
  font-size: clamp(1.6rem, 3vw, 2.3rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 18px;
}

.insurance-text p {
  color: rgba(255,255,255,.75);
  margin-bottom: 16px;
  line-height: 1.7;
  max-width: 620px;
}

.insurance-steps {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 28px 0 36px;
}

.step {
  display: flex;
  align-items: center;
  gap: 16px;
  color: rgba(255,255,255,.85);
  font-size: 0.97rem;
}

.step-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--rust);
  color: var(--white);
  font-weight: 800;
  font-size: 0.9rem;
  flex-shrink: 0;
}

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

.contact-inner {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 56px;
  align-items: start;
}

.contact-info h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 24px;
}

.contact-item {
  display: flex;
  gap: 14px;
  margin-bottom: 24px;
  align-items: flex-start;
}

.contact-icon {
  font-size: 1.4rem;
  line-height: 1;
  flex-shrink: 0;
  margin-top: 2px;
}

.contact-item strong {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--rust);
  margin-bottom: 4px;
}

.contact-item a,
.contact-item span {
  color: var(--gray-700);
  font-size: 0.95rem;
  line-height: 1.5;
}

.contact-item a:hover {
  color: var(--rust);
}

/* FORM */
.contact-form {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-200);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

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

.form-group label {
  display: block;
  font-size: 0.87rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}

.required { color: var(--rust); }

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 6px;
  font-size: 0.95rem;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(26,39,68,.1);
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%234a5568' d='M6 8L0 0h12z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
  cursor: pointer;
}

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

.form-note {
  text-align: center;
  font-size: 0.8rem;
  color: var(--gray-400);
  margin-top: 12px;
}

/* ===== FOOTER ===== */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.7);
}

.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding: 64px 20px 48px;
}

.footer-logo img {
  height: 40px;
  margin-bottom: 14px;
}

.footer-logo p {
  font-size: 0.9rem;
  line-height: 1.6;
  color: rgba(255,255,255,.55);
}

.footer-links strong,
.footer-contact strong {
  display: block;
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 16px;
}

.footer-links ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  font-size: 0.9rem;
  color: rgba(255,255,255,.6);
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--rust-light); }

.footer-contact p {
  font-size: 0.9rem;
  line-height: 1.7;
  margin-bottom: 8px;
}

.footer-contact a {
  color: var(--rust-light);
}
.footer-contact a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 20px;
  text-align: center;
}

.footer-bottom p {
  font-size: 0.83rem;
  color: rgba(255,255,255,.35);
}

/* ===== FORM SUCCESS STATE ===== */
.form-success {
  text-align: center;
  padding: 48px 32px;
}

.form-success .success-icon {
  font-size: 3.5rem;
  margin-bottom: 16px;
}

.form-success h3 {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.form-success p {
  color: var(--gray-700);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .about-inner,
  .insurance-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .insurance-icon { display: none; }

  .about-visual {
    flex-direction: row;
    flex-wrap: wrap;
  }

  .about-stat {
    flex: 1;
    min-width: 140px;
    padding: 24px 16px;
  }

  .stat-number { font-size: 2rem; }

  .footer-inner {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  .footer-logo { grid-column: 1 / -1; }

  .contact-inner {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

@media (max-width: 640px) {
  .section { padding: 64px 0; }

  .nav-links {
    display: none;
    position: absolute;
    top: var(--nav-h);
    left: 0;
    right: 0;
    background: var(--navy-dark);
    flex-direction: column;
    align-items: stretch;
    padding: 16px;
    gap: 4px;
    box-shadow: 0 8px 24px rgba(0,0,0,.3);
  }

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

  .nav-links a {
    padding: 12px 16px;
    border-radius: 6px;
    font-size: 1rem;
  }

  .nav-links .nav-cta {
    margin-top: 8px;
    text-align: center;
    padding: 13px 20px;
  }

  .nav-toggle { display: flex; }

  .nav-wrapper { position: sticky; }

  .hero-content { padding-top: 48px; padding-bottom: 64px; }

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

  .contact-form { padding: 28px 20px; }

  .footer-inner {
    grid-template-columns: 1fr;
    gap: 28px;
    padding: 48px 20px 32px;
  }

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

  .footer-logo { grid-column: auto; }
}