*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
:root{
  --navy:#042C53;--blue:#185FA5;--teal:#5DCAA5;--teal-light:#9FE1CB;
  --sky:#E6F1FB;--sky-mid:#B5D4F4;--white:#ffffff;--gray-light:#f7f9fc;
  --gray-mid:#e8edf4;--text-dark:#0a1a2e;--text-mid:#3a5070;--text-muted:#6b85a0;
  --font-display:'Playfair Display',Georgia,serif;--font-body:'DM Sans',sans-serif;
}
html{scroll-behavior:smooth;}
body{font-family:var(--font-body);color:var(--text-dark);background:var(--white);line-height:1.6;overflow-x:hidden;}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:200;background:rgba(255,255,255,0.97);backdrop-filter:blur(12px);padding:0 6%;height:80px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid rgba(4,44,83,0.1);transition:background 0.3s;}
.nav-logo{display:flex;align-items:center;gap:12px;text-decoration:none;}
.nav-logo-mark{width:36px;height:36px;background:var(--teal);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.nav-logo-name{font-family:var(--font-display);font-size:16px;font-weight:500;color:var(--white);display:block;line-height:1.2;}
.nav-logo-sub{font-size:10px;font-weight:300;color:var(--teal-light);letter-spacing:0.1em;text-transform:uppercase;display:block;}
.nav-links{display:flex;align-items:center;gap:32px;list-style:none;}
.nav-links a{font-size:13px;color:rgba(4,44,83,0.7);text-decoration:none;transition:color 0.2s;}
.nav-links a:hover{color:var(--navy);}
.nav-cta{background:var(--navy)!important;color:var(--white)!important;font-weight:500!important;padding:8px 18px;border-radius:6px;transition:background 0.2s!important;}
.nav-cta:hover{background:var(--blue)!important;color:var(--white)!important;}

/* HERO */
.hero{min-height:100vh;position:relative;display:grid;grid-template-columns:1fr 1fr;overflow:hidden;background:var(--navy);}
.hero-bg-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(93,202,165,0.04) 1px,transparent 1px),linear-gradient(90deg,rgba(93,202,165,0.04) 1px,transparent 1px);background-size:64px 64px;}

/* animated orbs */
.hero-orb{position:absolute;border-radius:50%;pointer-events:none;}
.hero-orb-1{width:620px;height:620px;top:-140px;right:20px;background:radial-gradient(circle,rgba(24,95,165,0.35) 0%,transparent 65%);animation:orbFloat1 9s ease-in-out infinite;}
.hero-orb-2{width:420px;height:420px;bottom:40px;right:160px;background:radial-gradient(circle,rgba(93,202,165,0.18) 0%,transparent 65%);animation:orbFloat2 12s ease-in-out infinite;}
.hero-orb-3{width:280px;height:280px;top:40%;left:36%;background:radial-gradient(circle,rgba(24,95,165,0.2) 0%,transparent 65%);animation:orbFloat3 7s ease-in-out infinite;}
@keyframes orbFloat1{0%,100%{transform:translate(0,0) scale(1);}50%{transform:translate(-30px,40px) scale(1.06);}}
@keyframes orbFloat2{0%,100%{transform:translate(0,0) scale(1);}50%{transform:translate(20px,-35px) scale(0.95);}}
@keyframes orbFloat3{0%,100%{transform:translate(0,0);}50%{transform:translate(-15px,20px);}}

/* floating benefit words */
.hero-float-words{position:absolute;inset:0;pointer-events:none;overflow:hidden;}
.fw{position:absolute;font-family:var(--font-display);font-style:italic;font-weight:400;color:rgba(255,255,255,0.055);white-space:nowrap;user-select:none;}
.fw-1{font-size:96px;top:6%;right:-2%;animation:fwDrift1 18s ease-in-out infinite;}
.fw-2{font-size:60px;top:36%;right:3%;animation:fwDrift2 22s ease-in-out infinite;}
.fw-3{font-size:48px;bottom:20%;right:7%;animation:fwDrift3 16s ease-in-out infinite;}
.fw-4{font-size:72px;top:60%;right:26%;animation:fwDrift1 20s ease-in-out infinite reverse;}
@keyframes fwDrift1{0%,100%{transform:translateY(0);}50%{transform:translateY(-18px);}}
@keyframes fwDrift2{0%,100%{transform:translateY(0);}50%{transform:translateY(22px);}}
@keyframes fwDrift3{0%,100%{transform:translateY(0);}50%{transform:translateY(-12px);}}

/* animated teal line accent */
.hero-line-accent{position:absolute;right:0;top:0;bottom:0;width:3px;background:linear-gradient(to bottom,transparent 0%,var(--teal) 30%,rgba(93,202,165,0.4) 70%,transparent 100%);animation:lineGlow 4s ease-in-out infinite;}
@keyframes lineGlow{0%,100%{opacity:0.5;}50%{opacity:1;}}

/* pulsing rings */
.hero-rings{position:absolute;right:18%;top:50%;transform:translateY(-50%);pointer-events:none;}
.ring{border-radius:50%;border:1px solid rgba(93,202,165,0.13);position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);}
.ring-1{width:300px;height:300px;animation:ringPulse 4s ease-in-out infinite;}
.ring-2{width:480px;height:480px;animation:ringPulse 4s ease-in-out 0.8s infinite;}
.ring-3{width:660px;height:660px;animation:ringPulse 4s ease-in-out 1.6s infinite;}
.ring-center{width:14px;height:14px;background:var(--teal);border-radius:50%;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);box-shadow:0 0 28px rgba(93,202,165,0.7);animation:centerPulse 2s ease-in-out infinite;}
@keyframes ringPulse{0%,100%{opacity:0.6;transform:translate(-50%,-50%) scale(1);}50%{opacity:1;transform:translate(-50%,-50%) scale(1.04);}}
@keyframes centerPulse{0%,100%{box-shadow:0 0 12px rgba(93,202,165,0.5),0 0 0 0 rgba(93,202,165,0.3);}50%{box-shadow:0 0 32px rgba(93,202,165,0.9),0 0 0 12px rgba(93,202,165,0);}}

.hero-left{position:relative;z-index:2;padding:160px 6% 140px;display:flex;flex-direction:column;justify-content:center;grid-column:1;}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:11px;font-weight:500;letter-spacing:0.14em;text-transform:uppercase;color:var(--teal);margin-bottom:28px;animation:fadeUp 0.8s ease both;}
.hero-line{width:28px;height:1px;background:var(--teal);}
.hero-headline{font-family:var(--font-display);font-size:clamp(42px,4.5vw,64px);font-weight:500;color:var(--white);line-height:1.08;margin-bottom:32px;letter-spacing:-0.02em;animation:fadeUp 0.8s ease 0.1s both;}
.hero-headline em{font-style:italic;color:var(--teal);}
.hero-sub{font-size:17px;font-weight:300;color:rgba(255,255,255,0.65);line-height:1.7;margin-bottom:48px;max-width:440px;animation:fadeUp 0.8s ease 0.2s both;}
.hero-sub strong{color:var(--white);font-weight:500;}
.hero-actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap;animation:fadeUp 0.8s ease 0.3s both;}
@keyframes fadeUp{from{opacity:0;transform:translateY(22px);}to{opacity:1;transform:translateY(0);}}
.btn-primary{background:var(--teal);color:var(--navy);font-family:var(--font-body);font-size:14px;font-weight:500;padding:13px 28px;border:none;border-radius:6px;cursor:pointer;text-decoration:none;display:inline-block;transition:background 0.2s,transform 0.15s;letter-spacing:0.01em;}
.btn-primary:hover{background:var(--teal-light);transform:translateY(-2px);}
.btn-outline{color:rgba(255,255,255,0.75);font-family:var(--font-body);font-size:14px;padding:13px 22px;border:1px solid rgba(255,255,255,0.2);border-radius:6px;cursor:pointer;text-decoration:none;display:inline-block;transition:all 0.2s;}
.btn-outline:hover{border-color:rgba(255,255,255,0.5);color:var(--white);}
.hero-stat-strip{position:absolute;bottom:0;left:0;right:0;z-index:3;display:flex;}
.hero-stat{flex:1;padding:24px 32px;background:rgba(4,44,83,0.9);backdrop-filter:blur(8px);border-top:1px solid rgba(93,202,165,0.15);border-right:1px solid rgba(93,202,165,0.08);}
.hero-stat:last-child{border-right:none;}
.hero-stat-n{font-family:var(--font-display);font-size:32px;font-weight:500;color:var(--white);line-height:1;}
.hero-stat-n span{color:var(--teal);}
.hero-stat-l{font-size:11px;font-weight:300;color:rgba(255,255,255,0.45);letter-spacing:0.04em;margin-top:4px;}

/* TRUST */
.trust{background:var(--sky);padding:22px 6%;display:flex;align-items:center;gap:40px;flex-wrap:wrap;border-bottom:1px solid var(--sky-mid);}
.trust-label{font-size:10px;font-weight:500;letter-spacing:0.12em;text-transform:uppercase;color:var(--text-muted);white-space:nowrap;}
.trust-items{display:flex;gap:32px;flex-wrap:wrap;}
.trust-item{font-size:13px;color:var(--text-mid);display:flex;align-items:center;gap:7px;}
.trust-item::before{content:'';width:4px;height:4px;border-radius:50%;background:var(--teal);flex-shrink:0;}

/* SECTION COMMON */
section{padding:96px 6%;}
.eyebrow{font-size:11px;font-weight:500;letter-spacing:0.14em;text-transform:uppercase;color:var(--blue);margin-bottom:14px;display:flex;align-items:center;gap:9px;}
.eyebrow::before{content:'';width:24px;height:1px;background:var(--blue);flex-shrink:0;}
.eyebrow.light{color:var(--teal);}
.eyebrow.light::before{background:var(--teal);}
.h2{font-family:var(--font-display);font-size:clamp(30px,3.5vw,46px);font-weight:500;color:var(--navy);line-height:1.15;margin-bottom:18px;letter-spacing:-0.01em;}
.h2 em{font-style:italic;color:var(--blue);}
.h2.light{color:var(--white);}
.h2.light em{color:var(--teal);}
.body-text{font-size:16px;font-weight:300;color:var(--text-mid);line-height:1.8;max-width:580px;}
.body-text.light{color:rgba(255,255,255,0.6);}

/* SERVICES — 2 col with large left accent */
.services{background:var(--white);}
.services-layout{display:grid;grid-template-columns:320px 1fr;gap:80px;align-items:start;}
.services-sticky{position:sticky;top:100px;}
.services-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.svc{border:1px solid var(--gray-mid);border-radius:12px;padding:32px 28px;transition:border-color 0.25s,transform 0.25s,box-shadow 0.25s;cursor:default;position:relative;overflow:hidden;}
.svc::before{content:'';position:absolute;bottom:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--teal),var(--blue));transform:scaleX(0);transform-origin:left;transition:transform 0.3s;}
.svc:hover{border-color:transparent;transform:translateY(-4px);box-shadow:0 16px 48px rgba(4,44,83,0.09);}
.svc:hover::before{transform:scaleX(1);}
.svc-icon{width:42px;height:42px;background:var(--sky);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.svc-title{font-family:var(--font-display);font-size:18px;font-weight:500;color:var(--navy);margin-bottom:10px;line-height:1.2;}
.svc-desc{font-size:13px;font-weight:300;color:var(--text-mid);line-height:1.7;margin-bottom:18px;}
.svc-link{font-size:12px;font-weight:500;color:var(--blue);text-decoration:none;display:inline-flex;align-items:center;gap:5px;transition:gap 0.2s;}
.svc-link:hover{gap:9px;}

/* INDIVIDUAL INSURANCE — dark editorial split */
.individual{background:var(--navy);position:relative;overflow:hidden;padding:0;}
.individual-inner{display:grid;grid-template-columns:1fr 1fr;min-height:680px;}
.individual-photo{position:relative;overflow:hidden;}
.individual-photo img{width:100%;height:100%;object-fit:cover;object-position:center top;filter:grayscale(30%) contrast(1.1);display:block;}
.individual-photo-overlay{position:absolute;inset:0;background:linear-gradient(to right,transparent 40%,var(--navy) 100%),linear-gradient(to bottom,transparent 60%,rgba(4,44,83,0.5));}
.individual-content{padding:80px 72px 80px 56px;display:flex;flex-direction:column;justify-content:center;position:relative;z-index:1;}
.individual-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:40px;}
.ins-card{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:10px;padding:22px 20px;transition:background 0.2s,border-color 0.2s;}
.ins-card:hover{background:rgba(255,255,255,0.07);border-color:rgba(93,202,165,0.25);}
.ins-card-icon{width:36px;height:36px;background:rgba(93,202,165,0.12);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:14px;}
.ins-card-title{font-size:14px;font-weight:500;color:var(--white);margin-bottom:6px;}
.ins-card-desc{font-size:12px;font-weight:300;color:rgba(255,255,255,0.5);line-height:1.6;}
.ins-cta{margin-top:36px;display:flex;align-items:center;gap:16px;}
.ins-note{font-size:12px;font-weight:300;color:rgba(255,255,255,0.35);line-height:1.5;}

/* ABOUT — text only, two column */
.about{background:var(--gray-light);padding:96px 6%;}
.about-inner{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;}
.about-text-side{display:flex;flex-direction:column;}
.about-pillars{display:flex;flex-direction:column;gap:0;margin-top:36px;}
.about-pillar{padding:20px 0;border-bottom:1px solid var(--gray-mid);display:flex;gap:18px;align-items:flex-start;transition:padding-left 0.2s;}
.about-pillar:first-child{border-top:1px solid var(--gray-mid);}
.about-pillar:hover{padding-left:8px;}
.ap-num{font-family:var(--font-display);font-size:20px;font-weight:500;color:rgba(24,95,165,0.18);line-height:1;flex-shrink:0;width:24px;margin-top:2px;}
.ap-title{font-size:14px;font-weight:500;color:var(--navy);margin-bottom:4px;}
.ap-desc{font-size:13px;font-weight:300;color:var(--text-mid);line-height:1.6;}
.about-quote-side{display:flex;flex-direction:column;gap:24px;padding-top:8px;}
.about-big-quote{background:var(--navy);border-radius:16px;padding:48px 44px;position:relative;overflow:hidden;}
.about-big-quote::before{content:'"';position:absolute;top:-20px;right:24px;font-family:var(--font-display);font-size:160px;color:rgba(93,202,165,0.08);line-height:1;pointer-events:none;}
.about-big-quote p{font-family:var(--font-display);font-style:italic;font-size:20px;color:rgba(255,255,255,0.9);line-height:1.55;margin-bottom:20px;position:relative;z-index:1;}
.about-big-quote cite{font-size:11px;color:var(--teal);letter-spacing:0.09em;text-transform:uppercase;font-style:normal;}
.about-stat-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.about-stat-box{background:var(--white);border:1px solid var(--gray-mid);border-radius:12px;padding:24px 20px;}
.about-stat-box-num{font-family:var(--font-display);font-size:36px;font-weight:500;color:var(--navy);line-height:1;margin-bottom:6px;}
.about-stat-box-num span{color:var(--teal);}
.about-stat-box-label{font-size:12px;font-weight:300;color:var(--text-muted);line-height:1.4;}

/* TABS — challenges */
.challenges{background:var(--white);}
.challenges-head{text-align:center;margin-bottom:48px;}
.challenges-head .eyebrow{justify-content:center;}
.challenges-head .eyebrow::before{display:none;}
.tabs-nav{display:flex;justify-content:center;gap:6px;flex-wrap:wrap;margin-bottom:48px;}
.tab-btn{font-family:var(--font-body);font-size:12px;font-weight:500;padding:9px 18px;border-radius:99px;border:1px solid var(--gray-mid);background:var(--white);color:var(--text-mid);cursor:pointer;transition:all 0.2s;letter-spacing:0.03em;}
.tab-btn:hover{border-color:var(--sky-mid);color:var(--navy);}
.tab-btn.active{background:var(--navy);color:var(--white);border-color:var(--navy);}
.tab-pane{display:none;grid-template-columns:1fr 1fr;gap:60px;align-items:center;}
.tab-pane.active{display:grid;animation:fadeSlide 0.4s ease both;}
@keyframes fadeSlide{from{opacity:0;transform:translateY(10px);}to{opacity:1;transform:translateY(0);}}
.tab-pane-visual{position:relative;}
.tab-pane-visual-bg{width:100%;aspect-ratio:4/3;border-radius:16px;overflow:hidden;position:relative;}
.tab-pane-visual-bg img{width:100%;height:100%;object-fit:cover;display:block;filter:grayscale(15%);}
.tab-pane-visual-badge{position:absolute;bottom:24px;left:24px;background:rgba(4,44,83,0.9);backdrop-filter:blur(8px);border-radius:8px;padding:14px 18px;border-left:2px solid var(--teal);}
.tab-pane-visual-badge p{font-size:13px;font-weight:500;color:var(--white);margin-bottom:2px;}
.tab-pane-visual-badge span{font-size:11px;font-weight:300;color:var(--teal-light);}
.tab-pane-title{font-family:var(--font-display);font-size:26px;font-weight:500;color:var(--navy);margin-bottom:14px;line-height:1.2;}
.tab-pane-body{font-size:15px;font-weight:300;color:var(--text-mid);line-height:1.75;margin-bottom:24px;}
.tab-points{display:flex;flex-direction:column;gap:10px;margin-bottom:28px;}
.tab-point{display:flex;gap:10px;align-items:flex-start;}
.tap-dot{width:18px;height:18px;background:var(--sky);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;}
.tab-point span{font-size:13px;font-weight:300;color:var(--text-mid);line-height:1.6;}

/* PROCESS */
.process{background:var(--navy);position:relative;overflow:hidden;}
.process::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(93,202,165,0.03) 1px,transparent 1px),linear-gradient(90deg,rgba(93,202,165,0.03) 1px,transparent 1px);background-size:64px 64px;}
.process-inner{position:relative;}
.process-head{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:64px;}
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,0.06);border-radius:16px;overflow:hidden;}
.p-step{background:rgba(4,44,83,0.8);padding:40px 32px;position:relative;transition:background 0.2s;}
.p-step:hover{background:rgba(24,95,165,0.25);}
.p-step-num{font-family:var(--font-display);font-size:48px;font-weight:500;color:rgba(255,255,255,0.9);line-height:1;margin-bottom:20px;}
.p-step-title{font-size:15px;font-weight:500;color:var(--white);margin-bottom:10px;}
.p-step-desc{font-size:13px;font-weight:300;color:rgba(255,255,255,0.45);line-height:1.65;}

/* COUNTERS */
.counters{background:var(--blue);padding:64px 6%;}
.counters-inner{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-left:1px solid rgba(255,255,255,0.1);}
.cnt{padding:36px 40px;border-right:1px solid rgba(255,255,255,0.1);text-align:left;}
.cnt-num{font-family:var(--font-display);font-size:52px;font-weight:500;color:var(--white);line-height:1;margin-bottom:8px;}
.cnt-num span{color:var(--teal);}
.cnt-label{font-size:13px;font-weight:300;color:rgba(255,255,255,0.5);line-height:1.4;}

/* TESTIMONIALS */
.testimonials{background:var(--gray-light);}
.testimonials-head{margin-bottom:52px;}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.testi{background:var(--white);border:1px solid var(--gray-mid);border-radius:14px;padding:32px;position:relative;transition:transform 0.2s,box-shadow 0.2s;}
.testi:hover{transform:translateY(-3px);box-shadow:0 14px 36px rgba(4,44,83,0.07);}
.testi-quote-mark{font-family:var(--font-display);font-size:80px;color:var(--sky-mid);line-height:0.7;margin-bottom:16px;display:block;}
.testi-stars{display:flex;gap:2px;margin-bottom:14px;}
.testi-stars span{color:var(--teal);font-size:13px;}
.testi-text{font-size:14px;font-weight:300;color:var(--text-mid);line-height:1.75;margin-bottom:24px;}
.testi-author{display:flex;align-items:center;gap:12px;}
.testi-avatar{width:40px;height:40px;border-radius:50%;background:var(--sky);display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:15px;font-weight:500;color:var(--blue);flex-shrink:0;}
.testi-name{font-size:13px;font-weight:500;color:var(--navy);}
.testi-role{font-size:11px;font-weight:300;color:var(--text-muted);}

/* CONTACT */
.contact{background:var(--white);}
.contact-inner{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start;}
.contact-left{}
.contact-details{display:flex;flex-direction:column;gap:0;margin-top:36px;}
.cd{display:flex;gap:14px;align-items:flex-start;padding:18px 0;border-bottom:1px solid var(--gray-mid);}
.cd:first-child{border-top:1px solid var(--gray-mid);}
.cd-icon{width:38px;height:38px;background:var(--sky);border-radius:9px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.cd-label{font-size:11px;font-weight:500;text-transform:uppercase;letter-spacing:0.07em;color:var(--text-muted);margin-bottom:3px;}
.cd-value{font-size:14px;font-weight:400;color:var(--navy);text-decoration:none;}
.cd-value:hover{color:var(--blue);}
.contact-form-box{background:var(--gray-light);border-radius:16px;padding:44px 40px;border:1px solid var(--gray-mid);}
.cf-title{font-family:var(--font-display);font-size:24px;font-weight:500;color:var(--navy);margin-bottom:28px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px;}
.f{display:flex;flex-direction:column;gap:5px;margin-bottom:14px;}
label{font-size:11px;font-weight:500;color:var(--text-muted);letter-spacing:0.05em;text-transform:uppercase;}
input,select,textarea{font-family:var(--font-body);font-size:14px;font-weight:300;color:var(--text-dark);background:var(--white);border:1px solid var(--gray-mid);border-radius:7px;padding:11px 14px;width:100%;outline:none;transition:border-color 0.2s;appearance:none;}
input:focus,select:focus,textarea:focus{border-color:var(--blue);}
textarea{resize:vertical;min-height:100px;}
.form-btn{width:100%;background:var(--navy);color:var(--white);font-family:var(--font-body);font-size:14px;font-weight:500;padding:14px;border:none;border-radius:7px;cursor:pointer;margin-top:6px;transition:background 0.2s,transform 0.15s;letter-spacing:0.02em;}
.form-btn:hover{background:var(--blue);transform:translateY(-1px);}

/* FOOTER */
footer{background:#07192e;padding:56px 6% 28px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:56px;margin-bottom:44px;}
.footer-tagline{font-size:13px;font-weight:300;color:rgba(255,255,255,0.35);line-height:1.7;margin-top:14px;max-width:260px;}
.fcol-title{font-size:10px;font-weight:500;letter-spacing:0.12em;text-transform:uppercase;color:rgba(255,255,255,0.3);margin-bottom:18px;}
.flinks{list-style:none;display:flex;flex-direction:column;gap:10px;}
.flinks a{font-size:13px;font-weight:300;color:rgba(255,255,255,0.5);text-decoration:none;transition:color 0.2s;}
.flinks a:hover{color:var(--teal-light);}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.06);padding-top:24px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:14px;}
.footer-copy{font-size:11px;font-weight:300;color:rgba(255,255,255,0.25);}
.footer-copy a{color:var(--teal);text-decoration:none;}
.flegal{display:flex;gap:20px;}
.flegal a{font-size:11px;font-weight:300;color:rgba(255,255,255,0.25);text-decoration:none;transition:color 0.2s;}
.flegal a:hover{color:rgba(255,255,255,0.5);}

/* CHATBOT */
.chat-fab{position:fixed;bottom:28px;right:28px;z-index:1000;width:54px;height:54px;background:var(--navy);border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 6px 24px rgba(4,44,83,0.35);transition:transform 0.2s,box-shadow 0.2s;border:2px solid var(--teal);}
.chat-fab:hover{transform:scale(1.07);box-shadow:0 10px 32px rgba(4,44,83,0.45);}
.chat-fab-badge{position:absolute;top:-3px;right:-3px;width:16px;height:16px;background:var(--teal);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:9px;font-weight:700;color:var(--navy);}
.chat-win{position:fixed;bottom:94px;right:28px;z-index:1000;width:368px;background:var(--white);border-radius:18px;box-shadow:0 20px 64px rgba(4,44,83,0.18);border:1px solid var(--gray-mid);display:none;flex-direction:column;overflow:hidden;max-height:540px;}
.chat-win.open{display:flex;animation:chatPop 0.3s ease both;}
@keyframes chatPop{from{opacity:0;transform:translateY(12px) scale(0.97);}to{opacity:1;transform:translateY(0) scale(1);}}
.chat-hdr{background:var(--navy);padding:16px 18px;display:flex;align-items:center;justify-content:space-between;flex-shrink:0;}
.chat-hdr-left{display:flex;align-items:center;gap:10px;}
.chat-hdr-av{width:34px;height:34px;background:var(--teal);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.chat-hdr-name{font-size:13px;font-weight:500;color:var(--white);}
.chat-hdr-status{font-size:11px;color:var(--teal-light);display:flex;align-items:center;gap:4px;}
.status-dot{width:5px;height:5px;background:var(--teal);border-radius:50%;animation:blink 2s infinite;}
@keyframes blink{0%,100%{opacity:1;}50%{opacity:0.3;}}
.chat-close-btn{background:none;border:none;cursor:pointer;color:rgba(255,255,255,0.45);display:flex;transition:color 0.2s;}
.chat-close-btn:hover{color:var(--white);}
.chat-msgs{flex:1;overflow-y:auto;padding:18px;display:flex;flex-direction:column;gap:12px;scroll-behavior:smooth;}
.chat-msgs::-webkit-scrollbar{width:3px;}
.chat-msgs::-webkit-scrollbar-thumb{background:var(--gray-mid);border-radius:2px;}
.cmsg{display:flex;gap:8px;align-items:flex-end;max-width:88%;}
.cmsg.user{align-self:flex-end;flex-direction:row-reverse;}
.cmsg-av{width:26px;height:26px;background:var(--sky);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.cmsg.user .cmsg-av{background:var(--navy);}
.cmsg-bub{padding:10px 14px;border-radius:14px;font-size:13px;font-weight:300;line-height:1.55;}
.cmsg.bot .cmsg-bub{background:var(--gray-light);color:var(--text-dark);border-radius:3px 14px 14px 14px;}
.cmsg.user .cmsg-bub{background:var(--navy);color:var(--white);border-radius:14px 3px 14px 14px;}
.typing-ind{display:flex;gap:4px;align-items:center;padding:10px 14px;background:var(--gray-light);border-radius:3px 14px 14px 14px;width:fit-content;}
.typing-ind span{width:5px;height:5px;background:var(--text-muted);border-radius:50%;animation:ty 1.2s infinite;}
.typing-ind span:nth-child(2){animation-delay:0.2s;}
.typing-ind span:nth-child(3){animation-delay:0.4s;}
@keyframes ty{0%,80%,100%{transform:translateY(0);}40%{transform:translateY(-5px);}}
.chat-qr{display:flex;flex-wrap:wrap;gap:6px;padding:0 18px 10px;flex-shrink:0;}
.qr-btn{font-family:var(--font-body);font-size:11px;color:var(--blue);background:var(--sky);border:1px solid var(--sky-mid);border-radius:99px;padding:5px 12px;cursor:pointer;transition:background 0.15s;white-space:nowrap;}
.qr-btn:hover{background:var(--sky-mid);}
.chat-inp-row{padding:12px 14px;border-top:1px solid var(--gray-mid);display:flex;gap:8px;align-items:center;flex-shrink:0;}
.chat-inp{flex:1;font-family:var(--font-body);font-size:13px;font-weight:300;background:var(--gray-light);border:1px solid var(--gray-mid);border-radius:20px;padding:9px 16px;outline:none;transition:border-color 0.2s;color:var(--text-dark);}
.chat-inp:focus{border-color:var(--blue);}
.chat-send-btn{width:34px;height:34px;background:var(--navy);border:none;border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:background 0.2s;flex-shrink:0;}
.chat-send-btn:hover{background:var(--blue);}

/* REVEAL */
.reveal{opacity:0;transform:translateY(18px);transition:opacity 0.65s ease,transform 0.65s ease;}
.reveal.visible{opacity:1;transform:translateY(0);}
.d1{transition-delay:0.1s;}.d2{transition-delay:0.2s;}.d3{transition-delay:0.3s;}

@media(max-width:960px){
  .hero{grid-template-columns:1fr;}
  .hero-right{display:none;}
  .services-layout{grid-template-columns:1fr;}
  .services-sticky{position:static;}
  .individual-inner{grid-template-columns:1fr;}
  .individual-photo{height:400px;}
  .about-inner{grid-template-columns:1fr;}
  .about-quote-side{margin-top:0;}
  .tab-pane.active{grid-template-columns:1fr;}
  .process-steps{grid-template-columns:1fr 1fr;}
  .counters-inner{grid-template-columns:1fr 1fr;}
  .testi-grid{grid-template-columns:1fr;}
  .contact-inner{grid-template-columns:1fr;}
  .footer-top{grid-template-columns:1fr 1fr;}
}


/* ===== SERVICE PAGE STYLES ===== */
.sp-hero{background:var(--navy);padding:150px 6% 80px;position:relative;overflow:hidden;}
.sp-hero::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(93,202,165,0.04) 1px,transparent 1px),linear-gradient(90deg,rgba(93,202,165,0.04) 1px,transparent 1px);background-size:64px 64px;}
.sp-hero-orb{position:absolute;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(24,95,165,0.28) 0%,transparent 70%);top:-180px;right:-120px;pointer-events:none;}
.sp-hero-inner{position:relative;z-index:2;max-width:820px;}
.sp-crumb{font-size:12px;font-weight:400;letter-spacing:.06em;color:rgba(255,255,255,.4);margin-bottom:22px;}
.sp-crumb a{color:var(--teal);text-decoration:none;}
.sp-crumb a:hover{text-decoration:underline;}
.sp-hero h1{font-family:var(--font-display);font-size:clamp(38px,4.4vw,58px);font-weight:500;color:#fff;line-height:1.1;letter-spacing:-.01em;margin-bottom:22px;}
.sp-hero h1 em{font-style:italic;color:var(--teal);}
.sp-hero p{font-size:19px;font-weight:300;color:rgba(255,255,255,.62);line-height:1.75;max-width:660px;margin-bottom:34px;}
.sp-hero-cta{display:flex;gap:14px;flex-wrap:wrap;}

.sp-body{padding:88px 6%;background:#fff;}
.sp-grid{display:grid;grid-template-columns:1fr 340px;gap:72px;align-items:start;max-width:1240px;margin:0 auto;}
.sp-main h2{font-family:var(--font-display);font-size:clamp(26px,3vw,36px);font-weight:500;color:var(--navy);line-height:1.2;margin:52px 0 18px;letter-spacing:-.01em;}
.sp-main h2:first-child{margin-top:0;}
.sp-main h3{font-family:var(--font-display);font-size:21px;font-weight:500;color:var(--navy);margin:32px 0 12px;}
.sp-main p{font-size:17px;font-weight:300;color:var(--text-mid);line-height:1.85;margin-bottom:18px;}
.sp-main p strong{color:var(--navy);font-weight:500;}
.sp-main ul{list-style:none;margin:0 0 22px;padding:0;}
.sp-main ul li{font-size:17px;font-weight:300;color:var(--text-mid);line-height:1.7;padding:9px 0 9px 30px;position:relative;}
.sp-main ul li::before{content:'';position:absolute;left:4px;top:19px;width:7px;height:7px;border-radius:50%;background:var(--teal);}
.sp-main ul li strong{color:var(--navy);font-weight:500;}

.sp-callout{background:var(--sky);border-left:4px solid var(--teal);border-radius:0 12px 12px 0;padding:26px 30px;margin:32px 0;}
.sp-callout p{margin:0;font-size:16px;color:var(--navy);line-height:1.7;}
.sp-callout p strong{font-weight:500;}

.sp-faq{margin-top:20px;}
.sp-faq-item{border-bottom:1px solid var(--gray-mid);padding:22px 0;}
.sp-faq-item:first-child{border-top:1px solid var(--gray-mid);}
.sp-faq-q{font-family:var(--font-display);font-size:19px;font-weight:500;color:var(--navy);margin-bottom:10px;}
.sp-faq-a{font-size:16px;font-weight:300;color:var(--text-mid);line-height:1.8;margin:0;}

.sp-side{position:sticky;top:100px;}
.sp-card{background:var(--navy);border-radius:16px;padding:34px 30px;margin-bottom:18px;}
.sp-card h3{font-family:var(--font-display);font-size:22px;font-weight:500;color:#fff;margin-bottom:12px;line-height:1.25;}
.sp-card p{font-size:15px;font-weight:300;color:rgba(255,255,255,.6);line-height:1.7;margin-bottom:22px;}
.sp-card .btn-primary{width:100%;text-align:center;box-sizing:border-box;}
.sp-card-contact{margin-top:18px;padding-top:18px;border-top:1px solid rgba(255,255,255,.1);font-size:14px;font-weight:300;color:rgba(255,255,255,.5);line-height:1.8;}
.sp-card-contact a{color:var(--teal);text-decoration:none;}

.sp-links{background:var(--gray-light);border:1px solid var(--gray-mid);border-radius:14px;padding:26px 28px;}
.sp-links h4{font-size:11px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--text-muted);margin-bottom:16px;}
.sp-links a{display:block;font-size:15px;font-weight:400;color:var(--navy);text-decoration:none;padding:9px 0;border-bottom:1px solid var(--gray-mid);transition:color .2s,padding-left .2s;}
.sp-links a:last-child{border-bottom:none;}
.sp-links a:hover{color:var(--blue);padding-left:5px;}

.sp-cta-band{background:linear-gradient(135deg,var(--blue),var(--navy));padding:66px 6%;text-align:center;}
.sp-cta-band h2{font-family:var(--font-display);font-size:clamp(28px,3.4vw,40px);font-weight:500;color:#fff;margin-bottom:14px;line-height:1.2;}
.sp-cta-band h2 em{font-style:italic;color:var(--teal);}
.sp-cta-band p{font-size:17px;font-weight:300;color:rgba(255,255,255,.6);margin-bottom:30px;max-width:600px;margin-left:auto;margin-right:auto;line-height:1.7;}

@media(max-width:960px){
  .sp-grid{grid-template-columns:1fr;gap:44px;}
  .sp-side{position:static;}
  .sp-hero{padding:120px 6% 60px;}
}