/* ---------- Design tokens ---------- */
  :root{
    --ink:        #0A2540;
    --ink-2:      #133A66;
    --ink-3:      #1B4B7D;
    --sea:        #1E6F8E;
    --sea-light:  #6FB3C6;
    --sea-pale:   #DCEAEF;
    --sand:       #F4EEE2;
    --sand-2:     #EBE2D0;
    --paper:      #FBF8F2;
    --paper-2:    #F7F2E8;
    --sun:        #E8A33D;
    --sun-deep:   #C7821E;
    --sun-pale:   #F9E4BD;
    --line:       rgba(10,37,64,0.10);
    --line-2:     rgba(10,37,64,0.20);
    --muted:      rgba(10,37,64,0.62);
    --shadow-sm:  0 1px 2px rgba(10,37,64,0.06), 0 2px 8px rgba(10,37,64,0.04);
    --shadow-md:  0 14px 40px rgba(10,37,64,0.10), 0 2px 6px rgba(10,37,64,0.04);
    --shadow-lg:  0 40px 100px -20px rgba(10,37,64,0.25);
    --shadow-xl:  0 60px 140px -30px rgba(10,37,64,0.40);
    --radius:     14px;
    --radius-lg:  24px;
    --radius-xl:  32px;

    --font-display: "Fraunces", "Times New Roman", serif;
    --font-body:    "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  }

  *,*::before,*::after{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:var(--font-body);
    background:var(--paper);
    color:var(--ink);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
    -moz-osx-font-smoothing:grayscale;
    overflow-x:hidden;
    position:relative;
  }

  /* Subtle grain overlay */
  body::before{
    content:"";
    position:fixed;
    inset:0;
    pointer-events:none;
    z-index:9999;
    opacity:0.035;
    background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='200' height='200'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");
    mix-blend-mode:multiply;
  }

  a{color:inherit;text-decoration:none;}
  img{max-width:100%;display:block;}

  .container{
    width:100%;
    max-width:1280px;
    margin:0 auto;
    padding:0 32px;
  }

  /* ---------- Typography ---------- */
  .eyebrow{
    font-family:var(--font-body);
    font-size:11.5px;
    font-weight:600;
    letter-spacing:0.22em;
    text-transform:uppercase;
    color:var(--sea);
    display:inline-flex;
    align-items:center;
    gap:12px;
  }
  .eyebrow::before{
    content:"";
    width:32px;
    height:1px;
    background:currentColor;
    display:inline-block;
  }

  h1,h2,h3,h4{
    font-family:var(--font-display);
    font-weight:400;
    color:var(--ink);
    line-height:1.05;
    letter-spacing:-0.025em;
    font-variation-settings:"opsz" 144;
    margin:0;
  }
  h1{ font-size:clamp(2.8rem, 6.5vw, 5.5rem);}
  h2{ font-size:clamp(2.2rem, 4.5vw, 3.8rem);}
  h3{ font-size:clamp(1.35rem, 2vw, 1.7rem); letter-spacing:-0.015em;}
  h4{ font-size:1.1rem;}

  em.accent{ font-style:italic; font-weight:300; color:var(--sea);}
  em.sun-accent{ font-style:italic; font-weight:300; color:var(--sun);}

  /* ---------- Buttons ---------- */
  .btn{
    display:inline-flex;
    align-items:center;
    gap:10px;
    padding:15px 28px;
    border-radius:999px;
    font-weight:500;
    font-size:14.5px;
    letter-spacing:0.01em;
    border:1px solid transparent;
    cursor:pointer;
    transition:all .3s cubic-bezier(.16,1,.3,1);
    white-space:nowrap;
    position:relative;
    overflow:hidden;
  }
  .btn-primary{
    background:var(--ink);
    color:var(--paper);
    box-shadow:0 4px 14px rgba(10,37,64,0.2);
  }
  .btn-primary:hover{
    background:var(--sun);
    color:var(--ink);
    transform:translateY(-2px);
    box-shadow:0 18px 40px rgba(232,163,61,0.35);
  }
  .btn-ghost{
    background:transparent;
    color:var(--ink);
    border-color:var(--line-2);
  }
  .btn-ghost:hover{
    background:var(--ink);
    color:var(--paper);
    border-color:var(--ink);
  }
  .btn-sun{
    background:var(--sun);
    color:var(--ink);
    box-shadow:0 4px 14px rgba(232,163,61,0.3);
  }
  .btn-sun:hover{
    background:var(--paper);
    color:var(--ink);
    transform:translateY(-2px);
  }
  .btn svg{ width:14px; height:14px; transition:transform .3s ease;}
  .btn:hover svg{ transform:translateX(5px);}

  /* ---------- Header ---------- */
  .header{
    position:sticky;
    top:0;
    z-index:100;
    background:rgba(251,248,242,0.78);
    backdrop-filter:blur(20px) saturate(180%);
    -webkit-backdrop-filter:blur(20px) saturate(180%);
    border-bottom:1px solid var(--line);
  }
  .nav{
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:16px 0;
  }
  .logo-link{
    display:flex;
    align-items:center;
    transition:opacity .2s ease;
  }
  .logo-link:hover{ opacity:0.8;}
  .logo-link img{
    height:52px;
    width:auto;
  }

  .nav-links{
    display:flex;
    align-items:center;
    gap:38px;
    list-style:none;
    margin:0;
    padding:0;
  }
  .nav-links > li > a,
  .nav-links > li > button{
    background:none;
    border:none;
    cursor:pointer;
    font-family:var(--font-body);
    font-size:14.5px;
    font-weight:500;
    color:var(--ink);
    padding:6px 0;
    position:relative;
    display:inline-flex;
    align-items:center;
    gap:6px;
    transition:color .2s ease;
  }
  .nav-links > li > a::after{
    content:"";
    position:absolute;
    left:0; right:100%;
    bottom:-3px;
    height:1.5px;
    background:var(--sea);
    transition:right .35s cubic-bezier(.16,1,.3,1);
  }
  .nav-links > li > a:hover::after{ right:0;}
  .nav-links > li > a.active{ color:var(--sea);}
  .nav-links > li > a.active::after{ right:0;}

  /* Dropdown */
  .dropdown{ position:relative;}
  .dropdown-toggle svg{
    width:10px; height:10px;
    transition:transform .3s ease;
  }
  .dropdown:hover .dropdown-toggle svg{ transform:rotate(180deg);}
  .dropdown-menu{
    position:absolute;
    top:calc(100% + 14px);
    left:50%;
    transform:translateX(-50%) translateY(-8px);
    background:var(--paper);
    border:1px solid var(--line);
    border-radius:var(--radius);
    padding:14px;
    min-width:340px;
    box-shadow:var(--shadow-lg);
    opacity:0;
    visibility:hidden;
    transition:all .3s cubic-bezier(.16,1,.3,1);
    list-style:none;
    margin:0;
  }
  .dropdown:hover .dropdown-menu,
  .dropdown:focus-within .dropdown-menu{
    opacity:1;
    visibility:visible;
    transform:translateX(-50%) translateY(0);
  }
  .dropdown-menu li a{
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:11px 14px;
    border-radius:10px;
    font-size:14px;
    color:var(--ink);
    transition:all .2s ease;
  }
  .dropdown-menu li a:hover{
    background:var(--sand);
    color:var(--sea);
    padding-left:18px;
  }
  .dropdown-menu li a svg{
    width:14px; height:14px;
    opacity:0;
    transform:translateX(-8px);
    transition:all .2s ease;
  }
  .dropdown-menu li a:hover svg{ opacity:1; transform:translateX(0);}

  .nav-cta{ display:flex; gap:12px; align-items:center;}

  /* Mobile nav */
  .menu-toggle{
    display:none;
    background:none;
    border:none;
    cursor:pointer;
    padding:8px;
    color:var(--ink);
  }
  .menu-toggle svg{ width:26px; height:26px;}

  .mobile-menu{
    position:fixed;
    top:0;
    right:-100%;
    width:min(86%, 380px);
    height:100vh;
    background:var(--paper);
    z-index:200;
    transition:right .4s cubic-bezier(.16,1,.3,1);
    overflow-y:auto;
    box-shadow:-30px 0 80px rgba(10,37,64,.18);
    padding:24px;
  }
  .mobile-menu.open{ right:0;}
  .mobile-menu-header{
    display:flex;
    justify-content:space-between;
    align-items:center;
    padding-bottom:24px;
    border-bottom:1px solid var(--line);
    margin-bottom:24px;
  }
  .mobile-menu-header img{ height:44px;}
  .mobile-menu-close{
    background:none; border:none; cursor:pointer; color:var(--ink); padding:6px;
  }
  .mobile-menu-list{ list-style:none; padding:0; margin:0;}
  .mobile-menu-list > li{ border-bottom:1px solid var(--line);}
  .mobile-menu-list > li > a,
  .mobile-menu-list > li > button{
    display:flex;
    align-items:center;
    justify-content:space-between;
    width:100%;
    padding:20px 4px;
    font-family:var(--font-display);
    font-size:1.5rem;
    font-weight:400;
    letter-spacing:-0.015em;
    background:none;
    border:none;
    color:var(--ink);
    cursor:pointer;
    text-align:left;
  }
  .mobile-submenu{
    list-style:none;
    padding:0 0 18px 4px;
    margin:0;
    max-height:0;
    overflow:hidden;
    transition:max-height .4s ease;
  }
  .mobile-submenu.open{ max-height:600px;}
  .mobile-submenu li a{
    display:block;
    padding:10px 0;
    font-size:15px;
    font-family:var(--font-body);
    color:var(--muted);
  }
  .mobile-submenu li a:hover{ color:var(--ink);}
  .mobile-menu-cta{
    display:flex;
    flex-direction:column;
    gap:10px;
    margin-top:32px;
  }
  .mobile-menu-cta .btn{ justify-content:center;}

  .menu-overlay{
    position:fixed;
    inset:0;
    background:rgba(10,37,64,0.45);
    backdrop-filter:blur(6px);
    z-index:150;
    opacity:0;
    visibility:hidden;
    transition:all .35s ease;
  }
  .menu-overlay.open{ opacity:1; visibility:visible;}

  /* ---------- Page system ---------- */
  .page{ display:none;}
  .page.active{ display:block; animation:pageIn .55s cubic-bezier(.16,1,.3,1);}
  @keyframes pageIn{
    from{ opacity:0; transform:translateY(12px);}
    to{ opacity:1; transform:translateY(0);}
  }

  /* ---------- Reveal-on-scroll ---------- */
  .reveal{
    opacity:0;
    transform:translateY(28px);
    transition:opacity .9s cubic-bezier(.16,1,.3,1), transform .9s cubic-bezier(.16,1,.3,1);
  }
  .reveal.in{ opacity:1; transform:translateY(0);}
  .reveal-stagger > *{
    opacity:0;
    transform:translateY(20px);
    transition:opacity .8s cubic-bezier(.16,1,.3,1), transform .8s cubic-bezier(.16,1,.3,1);
  }
  .reveal-stagger.in > *{ opacity:1; transform:translateY(0);}
  .reveal-stagger.in > *:nth-child(1){ transition-delay:.05s;}
  .reveal-stagger.in > *:nth-child(2){ transition-delay:.15s;}
  .reveal-stagger.in > *:nth-child(3){ transition-delay:.25s;}
  .reveal-stagger.in > *:nth-child(4){ transition-delay:.35s;}
  .reveal-stagger.in > *:nth-child(5){ transition-delay:.45s;}
  .reveal-stagger.in > *:nth-child(6){ transition-delay:.55s;}
  .reveal-stagger.in > *:nth-child(7){ transition-delay:.65s;}
  .reveal-stagger.in > *:nth-child(8){ transition-delay:.75s;}

  /* ---------- HERO ---------- */
  .hero{
    position:relative;
    padding:80px 0 130px;
    overflow:hidden;
    isolation:isolate;
  }
  .hero-bg{
    position:absolute; inset:0; z-index:-1; pointer-events:none;
  }
  .hero-bg::before{
    content:"";
    position:absolute;
    top:-30%; right:-15%;
    width:75%; height:140%;
    background:
      radial-gradient(ellipse at 30% 50%, rgba(30,111,142,0.22), transparent 55%),
      radial-gradient(ellipse at 70% 70%, rgba(111,179,198,0.18), transparent 50%);
    filter:blur(20px);
    animation:float1 14s ease-in-out infinite alternate;
  }
  .hero-bg::after{
    content:"";
    position:absolute;
    bottom:-25%; left:-10%;
    width:60%; height:90%;
    background:
      radial-gradient(ellipse at 50% 50%, rgba(232,163,61,0.30), transparent 55%);
    filter:blur(20px);
    animation:float2 16s ease-in-out infinite alternate;
  }
  @keyframes float1{
    from{ transform:translate(0,0) scale(1);}
    to{ transform:translate(-30px,40px) scale(1.08);}
  }
  @keyframes float2{
    from{ transform:translate(0,0) scale(1);}
    to{ transform:translate(40px,-30px) scale(1.1);}
  }

  /* Decorative sun arc */
  .hero-sun{
    position:absolute;
    top:80px;
    right:8%;
    width:180px;
    height:180px;
    border-radius:50%;
    background:radial-gradient(circle at 30% 30%, var(--sun-pale), var(--sun) 70%);
    filter:blur(0.5px);
    box-shadow:0 0 80px rgba(232,163,61,0.45);
    z-index:-1;
    opacity:0.65;
    animation:floatSun 8s ease-in-out infinite alternate;
  }
  @keyframes floatSun{
    from{ transform:translateY(0);}
    to{ transform:translateY(-18px);}
  }

  .hero-grid{
    position:relative;
    z-index:2;
    display:grid;
    grid-template-columns: 1.1fr 1fr;
    gap:80px;
    align-items:center;
  }
  .hero-copy h1{
    margin-top:24px;
  }
  .hero-copy p.lead{
    font-size:1.15rem;
    color:var(--muted);
    margin:28px 0 40px;
    max-width:540px;
    line-height:1.55;
  }
  .hero-cta{ display:flex; gap:14px; flex-wrap:wrap;}
  .hero-trust{
    display:flex;
    align-items:center;
    gap:16px;
    margin-top:36px;
    font-size:13px;
    color:var(--muted);
  }
  .avatars{ display:flex;}
  .avatars div{
    width:36px; height:36px;
    border-radius:50%;
    background:var(--sand);
    border:2.5px solid var(--paper);
    margin-left:-10px;
    background-size:cover;
    background-position:center;
  }
  .avatars div:first-child{ margin-left:0;}
  .avatars div:nth-child(1){ background-image:url("https://images.unsplash.com/photo-1494790108377-be9c29b29330?w=80&q=80");}
  .avatars div:nth-child(2){ background-image:url("https://images.unsplash.com/photo-1507003211169-0a1dd7228f2d?w=80&q=80");}
  .avatars div:nth-child(3){ background-image:url("https://images.unsplash.com/photo-1438761681033-6461ffad8d80?w=80&q=80");}
  .avatars div:nth-child(4){ background-image:url("https://images.unsplash.com/photo-1531123897727-8f129e1688ce?w=80&q=80");}
  .hero-trust strong{
    color:var(--ink);
    font-weight:600;
    font-family:var(--font-body);
  }
  .hero-trust .stars{ color:var(--sun); letter-spacing:1px;}

  .hero-meta{
    display:flex;
    gap:48px;
    margin-top:56px;
    padding-top:36px;
    border-top:1px solid var(--line);
  }
  .hero-meta-item .num{
    font-family:var(--font-display);
    font-size:2.6rem;
    color:var(--ink);
    line-height:1;
    font-feature-settings:"ss01";
  }
  .hero-meta-item .num em{ font-style:italic; color:var(--sea); font-weight:300;}
  .hero-meta-item .label{
    font-size:11px;
    letter-spacing:0.16em;
    text-transform:uppercase;
    color:var(--muted);
    margin-top:8px;
  }

  /* Hero visual — layered cards */
  .hero-visual{
    position:relative;
    aspect-ratio:5/6;
    z-index:2;
  }
  .hero-img-main{
    position:absolute;
    inset:0;
    border-radius:var(--radius-xl);
    overflow:hidden;
    background:
      linear-gradient(180deg, rgba(10,37,64,0) 50%, rgba(10,37,64,0.45) 100%),
      url("https://images.unsplash.com/photo-1511895426328-dc8714191300?w=1000&q=80") center/cover;
    box-shadow:var(--shadow-xl);
    transform:rotate(-1.5deg);
    transition:transform .6s cubic-bezier(.16,1,.3,1);
  }
  .hero-visual:hover .hero-img-main{ transform:rotate(0deg);}

  .hero-img-secondary{
    position:absolute;
    top:-8%;
    right:-8%;
    width:50%;
    aspect-ratio:1;
    border-radius:var(--radius-lg);
    overflow:hidden;
    background:url("https://images.unsplash.com/photo-1454942901704-3c44c11b2ad1?w=600&q=80") center/cover;
    box-shadow:var(--shadow-md);
    transform:rotate(4deg);
    border:6px solid var(--paper);
    z-index:3;
    animation:floatCard1 6s ease-in-out infinite alternate;
  }
  @keyframes floatCard1{
    from{ transform:rotate(4deg) translateY(0);}
    to{ transform:rotate(4deg) translateY(-14px);}
  }

  .hero-card{
    position:absolute;
    left:-32px;
    bottom:30px;
    background:var(--paper);
    padding:22px 26px;
    border-radius:var(--radius);
    box-shadow:var(--shadow-md);
    max-width:300px;
    z-index:4;
    border:1px solid var(--line);
    animation:floatCard2 5s ease-in-out infinite alternate;
  }
  @keyframes floatCard2{
    from{ transform:translateY(0);}
    to{ transform:translateY(-10px);}
  }
  .hero-card .stars{ color:var(--sun); font-size:14px; letter-spacing:2px;}
  .hero-card p{
    font-family:var(--font-display);
    font-style:italic;
    font-size:1rem;
    margin:10px 0 12px;
    color:var(--ink);
    line-height:1.4;
  }
  .hero-card cite{
    font-style:normal;
    font-size:12px;
    color:var(--muted);
    letter-spacing:0.04em;
  }

  .hero-stat-card{
    position:absolute;
    top:38%;
    right:-32px;
    background:var(--ink);
    color:var(--paper);
    padding:20px 22px;
    border-radius:var(--radius);
    box-shadow:var(--shadow-md);
    z-index:4;
    min-width:160px;
    animation:floatCard3 7s ease-in-out infinite alternate;
  }
  @keyframes floatCard3{
    from{ transform:translateX(0);}
    to{ transform:translateX(-10px);}
  }
  .hero-stat-card .label{
    font-size:11px;
    letter-spacing:0.14em;
    text-transform:uppercase;
    color:var(--sea-light);
  }
  .hero-stat-card .value{
    font-family:var(--font-display);
    font-size:2rem;
    line-height:1.1;
    margin-top:4px;
  }
  .hero-stat-card .value em{ font-style:italic; color:var(--sun); font-weight:300;}
  .hero-stat-card small{
    display:block;
    margin-top:6px;
    font-size:11.5px;
    color:rgba(251,248,242,0.65);
  }

  .hero-badge{
    position:absolute;
    top:30px;
    left:-30px;
    background:var(--sun);
    color:var(--ink);
    padding:18px 22px;
    border-radius:50%;
    width:120px;
    height:120px;
    display:grid;
    place-items:center;
    text-align:center;
    font-family:var(--font-display);
    font-size:0.85rem;
    line-height:1.15;
    box-shadow:var(--shadow-md);
    transform:rotate(-10deg);
    z-index:5;
    animation:spinSlow 60s linear infinite;
  }
  .hero-badge::before{
    content:"";
    position:absolute;
    inset:6px;
    border-radius:50%;
    border:1px dashed rgba(10,37,64,0.4);
  }
  .hero-badge-inner{
    position:absolute;
    inset:0;
    display:grid;
    place-items:center;
    animation:spinSlow 60s linear infinite reverse;
  }
  .hero-badge strong{
    display:block;
    font-size:1.8rem;
    font-weight:500;
    font-style:italic;
    line-height:1;
  }
  @keyframes spinSlow{
    from{ transform:rotate(-10deg);}
    to{ transform:rotate(350deg);}
  }

  /* ---------- Carriers strip ---------- */
  .carriers{
    background:var(--ink);
    color:var(--paper);
    padding:36px 0;
    overflow:hidden;
    position:relative;
  }
  .carriers::before, .carriers::after{
    content:"";
    position:absolute;
    top:0; bottom:0;
    width:80px;
    z-index:2;
    pointer-events:none;
  }
  .carriers::before{
    left:0;
    background:linear-gradient(90deg, var(--ink), transparent);
  }
  .carriers::after{
    right:0;
    background:linear-gradient(-90deg, var(--ink), transparent);
  }
  .carriers-inner{
    display:flex;
    align-items:center;
    gap:60px;
  }
  .carriers-label{
    font-size:11px;
    letter-spacing:0.22em;
    text-transform:uppercase;
    color:var(--sun);
    white-space:nowrap;
    border-right:1px solid rgba(255,255,255,0.15);
    padding-right:60px;
    flex-shrink:0;
    display:flex;
    align-items:center;
    gap:12px;
  }
  .carriers-label svg{ width:16px; height:16px;}
  .carriers-track{
    display:flex;
    gap:60px;
    animation:scroll 32s linear infinite;
    white-space:nowrap;
  }
  .carriers-track span{
    font-family:var(--font-display);
    font-size:1.75rem;
    color:rgba(255,255,255,0.55);
    letter-spacing:-0.01em;
    font-weight:300;
    transition:color .3s ease;
  }
  .carriers-track span:hover{ color:var(--paper);}
  .carriers-track span.dot{
    font-size:1.5rem;
    color:var(--sun);
    opacity:0.6;
  }
  @keyframes scroll{
    from{ transform:translateX(0);}
    to{ transform:translateX(-50%);}
  }

  /* ---------- Sections ---------- */
  section.pad{ padding:120px 0;}
  .section-head{
    max-width:760px;
    margin-bottom:72px;
  }
  .section-head.center{ text-align:center; margin-left:auto; margin-right:auto;}
  .section-head.center .eyebrow{ justify-content:center;}
  .section-head .eyebrow{ margin-bottom:20px;}
  .section-head p{
    margin-top:24px;
    color:var(--muted);
    font-size:1.1rem;
    max-width:580px;
  }
  .section-head.center p{ margin-left:auto; margin-right:auto;}

  /* ---------- About blurb ---------- */
  .about-blurb{
    background:var(--sand);
    border-radius:var(--radius-xl);
    padding:90px;
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:90px;
    align-items:center;
    position:relative;
    overflow:hidden;
  }
  .about-blurb::before{
    content:"40";
    position:absolute;
    bottom:-60px; right:-30px;
    font-family:var(--font-display);
    font-size:26rem;
    font-weight:300;
    color:rgba(10,37,64,0.045);
    line-height:1;
    pointer-events:none;
    font-style:italic;
  }
  .about-blurb-text p{ color:var(--muted); margin:0 0 18px;}
  .about-blurb-text .btn{ margin-top:18px;}
  .about-blurb-image{
    aspect-ratio:1;
    border-radius:var(--radius-lg);
    overflow:hidden;
    background:url("https://images.unsplash.com/photo-1521791136064-7986c2920216?w=900&q=80") center/cover;
    box-shadow:var(--shadow-md);
    position:relative;
    z-index:1;
  }
  .about-blurb-image::after{
    content:"";
    position:absolute;
    bottom:0; left:0; right:0;
    height:50%;
    background:linear-gradient(180deg, transparent, rgba(10,37,64,0.25));
    pointer-events:none;
  }

  /* ---------- Services ---------- */
  .services{ background:var(--paper);}
  .services-grid{
    display:grid;
    grid-template-columns:repeat(4, 1fr);
    gap:16px;
  }
  .service-card{
    background:var(--paper);
    padding:38px 32px;
    border:1px solid var(--line);
    border-radius:var(--radius-lg);
    transition:all .4s cubic-bezier(.16,1,.3,1);
    position:relative;
    cursor:pointer;
    display:flex;
    flex-direction:column;
    min-height:320px;
    overflow:hidden;
    isolation:isolate;
  }
  .service-card::before{
    content:"";
    position:absolute;
    inset:0;
    background:radial-gradient(circle at top right, rgba(30,111,142,0.08), transparent 60%);
    opacity:0;
    transition:opacity .4s ease;
    z-index:-1;
  }
  .service-card:hover{
    transform:translateY(-6px);
    border-color:var(--ink);
    background:var(--ink);
    color:var(--paper);
    box-shadow:var(--shadow-lg);
  }
  .service-card:hover::before{ opacity:0; }
  .service-card:hover::after{
    content:"";
    position:absolute;
    bottom:-50%; right:-30%;
    width:80%; height:120%;
    background:radial-gradient(circle, rgba(232,163,61,0.18), transparent 60%);
    z-index:-1;
  }
  .service-icon{
    width:54px; height:54px;
    margin-bottom:28px;
    border-radius:14px;
    background:var(--sea-pale);
    color:var(--sea);
    display:grid; place-items:center;
    transition:all .4s ease;
  }
  .service-icon svg{ width:26px; height:26px;}
  .service-card:hover .service-icon{
    background:var(--sun);
    color:var(--ink);
    transform:rotate(-6deg) scale(1.05);
  }
  .service-card h3{
    color:inherit;
    margin-bottom:12px;
    transition:color .3s ease;
  }
  .service-card p{
    color:var(--muted);
    font-size:14.5px;
    flex:1;
    transition:color .3s ease;
    margin:0;
    line-height:1.55;
  }
  .service-card:hover p{ color:rgba(251,248,242,0.72);}
  .service-card .arrow{
    margin-top:22px;
    display:inline-flex;
    align-items:center;
    gap:8px;
    font-size:13px;
    font-weight:500;
    color:var(--sea);
    transition:all .3s ease;
  }
  .service-card:hover .arrow{ color:var(--sun); gap:14px;}
  .service-card .arrow svg{ width:14px; height:14px;}

  /* ---------- Process ---------- */
  .process-wrap-outer{ padding:0 32px;}
  .process{
    background:
      radial-gradient(circle at 80% 20%, rgba(232,163,61,0.18), transparent 50%),
      radial-gradient(circle at 20% 80%, rgba(30,111,142,0.22), transparent 50%),
      linear-gradient(135deg, var(--ink) 0%, #102e54 100%);
    color:var(--paper);
    border-radius:var(--radius-xl);
    padding:100px 80px;
    position:relative;
    overflow:hidden;
  }
  .process::before{
    content:"";
    position:absolute;
    inset:0;
    background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='40' height='40'><circle cx='20' cy='20' r='0.8' fill='%23ffffff' opacity='0.07'/></svg>");
  }
  .process-wrap{ max-width:1240px; margin:0 auto; position:relative;}
  .process h2{ color:var(--paper);}
  .process .section-head p{ color:rgba(251,248,242,0.7);}
  .process .eyebrow{ color:var(--sun);}
  .process-steps{
    display:grid;
    grid-template-columns:repeat(3, 1fr);
    gap:50px;
    margin-top:60px;
  }
  .process-step{
    position:relative;
  }
  .process-step::before{
    content:"";
    position:absolute;
    top:48px; left:0;
    width:100%; height:1px;
    background:linear-gradient(90deg, rgba(251,248,242,0.3), rgba(251,248,242,0));
  }
  .process-step:last-child::before{ display:none;}
  .process-step .num{
    font-family:var(--font-display);
    font-style:italic;
    font-size:3.5rem;
    color:var(--sun);
    line-height:1;
    margin-bottom:22px;
    font-weight:300;
    position:relative;
    z-index:2;
  }
  .process-step h3{ color:var(--paper); margin-top:14px;}
  .process-step p{
    color:rgba(251,248,242,0.7);
    font-size:15px;
    margin-top:12px;
    line-height:1.6;
  }

  /* ---------- Testimonials ---------- */
  .testimonials{ padding:130px 0;}
  .testimonial-grid{
    display:grid;
    grid-template-columns:1.4fr 1fr;
    gap:40px;
    margin-top:60px;
  }
  .testimonial-main{
    background:var(--sand);
    border-radius:var(--radius-xl);
    padding:60px;
    position:relative;
    overflow:hidden;
  }
  .testimonial-main::before{
    content:"\201C";
    position:absolute;
    top:-50px; right:30px;
    font-family:var(--font-display);
    font-size:18rem;
    color:rgba(30,111,142,0.10);
    line-height:1;
    font-weight:300;
    pointer-events:none;
  }
  .testimonial-main .stars{
    color:var(--sun); letter-spacing:2px; font-size:18px; margin-bottom:24px;
  }
  .testimonial-main .quote{
    font-family:var(--font-display);
    font-size:2rem;
    line-height:1.3;
    font-weight:300;
    color:var(--ink);
    font-style:italic;
    position:relative;
    z-index:2;
  }
  .testimonial-main .meta{
    display:flex; align-items:center; gap:14px;
    margin-top:36px;
    padding-top:30px;
    border-top:1px solid var(--line);
  }
  .testimonial-main .meta-avatar{
    width:52px; height:52px;
    border-radius:50%;
    background:url("https://images.unsplash.com/photo-1507003211169-0a1dd7228f2d?w=140&q=80") center/cover;
  }
  .testimonial-main cite{
    font-style:normal;
    display:block;
  }
  .testimonial-main cite strong{
    font-family:var(--font-body);
    font-weight:600;
    font-size:15px;
    color:var(--ink);
    display:block;
  }
  .testimonial-main cite small{
    font-size:12px;
    letter-spacing:0.1em;
    text-transform:uppercase;
    color:var(--muted);
    margin-top:2px;
    display:block;
  }
  .testimonial-side{
    display:grid;
    grid-template-rows:1fr 1fr;
    gap:20px;
  }
  .testimonial-mini{
    background:var(--paper);
    border:1px solid var(--line);
    border-radius:var(--radius-lg);
    padding:32px;
    position:relative;
    transition:all .3s ease;
  }
  .testimonial-mini:hover{
    transform:translateY(-4px);
    box-shadow:var(--shadow-md);
    border-color:var(--sea);
  }
  .testimonial-mini .stars{
    color:var(--sun); letter-spacing:2px; font-size:14px; margin-bottom:14px;
  }
  .testimonial-mini p{
    font-family:var(--font-display);
    font-style:italic;
    font-size:1.05rem;
    color:var(--ink);
    line-height:1.45;
    margin:0 0 16px;
  }
  .testimonial-mini cite{
    font-style:normal;
    font-size:12.5px;
    color:var(--muted);
    letter-spacing:0.05em;
  }

  /* ---------- CTA ---------- */
  .cta-strip{
    padding:100px 0;
    background:
      radial-gradient(circle at 80% 50%, rgba(232,163,61,0.25), transparent 50%),
      radial-gradient(circle at 20% 30%, rgba(111,179,198,0.18), transparent 50%),
      linear-gradient(135deg, var(--sea) 0%, var(--ink) 80%);
    color:var(--paper);
    text-align:center;
    position:relative;
    overflow:hidden;
  }
  .cta-strip h2{ color:var(--paper); margin-bottom:20px;}
  .cta-strip p{ color:rgba(251,248,242,0.82); max-width:540px; margin:0 auto 36px; font-size:1.05rem;}
  .cta-strip .btn-sun{ background:var(--sun); color:var(--ink);}
  .cta-strip .btn-sun:hover{ background:var(--paper); color:var(--ink);}
  .cta-strip .eyebrow{ color:var(--sun);}

  /* ---------- Footer ---------- */
  footer{
    background:var(--ink);
    color:rgba(251,248,242,0.7);
    padding:100px 0 30px;
    position:relative;
    overflow:hidden;
  }
  footer::before{
    content:"";
    position:absolute;
    top:0; right:0;
    width:50%; height:60%;
    background:radial-gradient(circle at 70% 30%, rgba(232,163,61,0.10), transparent 60%);
    pointer-events:none;
  }
  .footer-grid{
    display:grid;
    grid-template-columns:1.6fr 1fr 1fr 1fr;
    gap:70px;
    margin-bottom:80px;
    position:relative;
  }
  .footer-brand img{
    height:60px;
    margin-bottom:24px;
    filter:brightness(0) invert(1);
  }
  .footer-brand p{ font-size:14.5px; max-width:320px; line-height:1.65;}
  .footer-col h4{
    color:var(--paper);
    font-family:var(--font-body);
    font-size:12px;
    font-weight:600;
    letter-spacing:0.18em;
    text-transform:uppercase;
    margin-bottom:24px;
  }
  .footer-col ul{ list-style:none; padding:0; margin:0;}
  .footer-col li{ margin-bottom:12px;}
  .footer-col a{
    font-size:14px;
    transition:color .2s ease;
  }
  .footer-col a:hover{ color:var(--sun);}
  .footer-bottom{
    padding-top:30px;
    border-top:1px solid rgba(251,248,242,0.10);
    display:flex;
    justify-content:space-between;
    align-items:center;
    font-size:12.5px;
    color:rgba(251,248,242,0.45);
    flex-wrap:wrap;
    gap:18px;
  }
  .socials{ display:flex; gap:10px;}
  .socials a{
    width:40px; height:40px;
    border:1px solid rgba(251,248,242,0.15);
    border-radius:50%;
    display:grid;
    place-items:center;
    transition:all .25s ease;
  }
  .socials a:hover{
    background:var(--sun);
    border-color:var(--sun);
    color:var(--ink);
    transform:translateY(-3px);
  }
  .socials svg{ width:15px; height:15px;}

  /* ---------- Page banners (inner pages) ---------- */
  .page-banner{
    padding:130px 0 90px;
    background:
      radial-gradient(circle at 20% 80%, rgba(30,111,142,0.18), transparent 50%),
      radial-gradient(circle at 80% 20%, rgba(232,163,61,0.15), transparent 50%),
      var(--sand);
    position:relative;
    overflow:hidden;
  }
  .page-banner::after{
    content:"";
    position:absolute;
    bottom:-100px; right:-50px;
    width:400px; height:400px;
    border-radius:50%;
    border:1px solid rgba(10,37,64,0.06);
    pointer-events:none;
  }
  .page-banner::before{
    content:"";
    position:absolute;
    bottom:-150px; right:-100px;
    width:550px; height:550px;
    border-radius:50%;
    border:1px solid rgba(10,37,64,0.04);
    pointer-events:none;
  }
  .page-banner .container{ position:relative; z-index:2;}
  .breadcrumb{
    font-size:12px;
    letter-spacing:0.18em;
    text-transform:uppercase;
    color:var(--sea);
    margin-bottom:28px;
  }
  .breadcrumb a{ color:var(--muted); transition:color .2s ease;}
  .breadcrumb a:hover{ color:var(--ink);}
  .page-banner h1{ max-width:920px;}
  .page-banner .lead{
    max-width:640px;
    margin-top:28px;
    color:var(--muted);
    font-size:1.15rem;
    line-height:1.55;
  }

  /* ---------- Content layouts ---------- */
  .content-section{ padding:100px 0;}
  .content-grid{
    display:grid;
    grid-template-columns:1fr 1.4fr;
    gap:90px;
  }
  .content-side h2{ margin-bottom:24px;}
  .content-side p{ color:var(--muted); font-size:1.02rem;}
  .content-main p{ margin-bottom:20px; font-size:1.05rem;}
  .content-main ul{ list-style:none; padding:0; margin:32px 0; counter-reset:item;}
  .content-main ul li{
    padding:24px 0;
    border-bottom:1px solid var(--line);
    display:grid;
    grid-template-columns:auto 1fr;
    gap:24px;
    align-items:start;
    transition:padding .3s ease;
  }
  .content-main ul li:hover{ padding-left:8px;}
  .content-main ul li::before{
    content:counter(item, decimal-leading-zero);
    counter-increment:item;
    font-family:var(--font-display);
    font-style:italic;
    color:var(--sea);
    font-size:1.5rem;
    line-height:1;
    margin-top:4px;
    font-weight:300;
  }
  .content-main strong{
    display:block;
    font-family:var(--font-display);
    font-size:1.25rem;
    font-weight:500;
    color:var(--ink);
    margin-bottom:6px;
  }

  /* ---------- Contact page ---------- */
  .contact-grid{
    display:grid;
    grid-template-columns:1fr 1.2fr;
    gap:90px;
    align-items:start;
  }
  .contact-info > p{ color:var(--muted); margin-bottom:40px; font-size:1.05rem;}
  .contact-detail{
    padding:26px 0;
    border-bottom:1px solid var(--line);
    display:grid;
    grid-template-columns:50px 1fr;
    gap:18px;
    align-items:start;
    transition:padding .3s ease;
  }
  .contact-detail:hover{ padding-left:6px;}
  .contact-detail-icon{
    width:42px; height:42px;
    background:var(--sea-pale);
    color:var(--sea);
    border-radius:12px;
    display:grid; place-items:center;
    transition:all .3s ease;
  }
  .contact-detail:hover .contact-detail-icon{
    background:var(--sea); color:var(--paper); transform:rotate(-6deg);
  }
  .contact-detail-icon svg{ width:18px; height:18px;}
  .contact-detail .label{
    font-size:11px;
    letter-spacing:0.18em;
    text-transform:uppercase;
    color:var(--muted);
    margin-bottom:6px;
  }
  .contact-detail .value{
    font-family:var(--font-display);
    font-size:1.2rem;
    color:var(--ink);
    line-height:1.4;
  }
  .contact-detail .value a{ color:var(--ink); border-bottom:1px solid var(--sea); padding-bottom:1px;}

  /* ---------- Forms ---------- */
  .form-card{
    background:var(--sand);
    padding:56px;
    border-radius:var(--radius-xl);
    position:relative;
    overflow:hidden;
  }
  .form-card::before{
    content:"";
    position:absolute;
    top:-50px; right:-50px;
    width:200px; height:200px;
    background:radial-gradient(circle, rgba(232,163,61,0.15), transparent 70%);
    pointer-events:none;
  }
  .form-card h3{ margin-bottom:10px; font-size:1.7rem; position:relative;}
  .form-card > p{ color:var(--muted); margin-bottom:36px; font-size:14.5px; position:relative;}

  .form-group{ margin-bottom:24px; position:relative;}
  .form-row{ display:grid; grid-template-columns:1fr 1fr; gap:20px;}
  .form-group label{
    display:block;
    font-size:11px;
    letter-spacing:0.16em;
    text-transform:uppercase;
    color:var(--muted);
    margin-bottom:8px;
    font-weight:600;
  }
  .form-group input,
  .form-group select,
  .form-group textarea{
    width:100%;
    background:transparent;
    border:none;
    border-bottom:1.5px solid var(--line-2);
    padding:10px 0;
    font-family:var(--font-body);
    font-size:15px;
    color:var(--ink);
    transition:border-color .25s ease;
    border-radius:0;
  }
  .form-group input:focus,
  .form-group select:focus,
  .form-group textarea:focus{
    outline:none;
    border-color:var(--sea);
  }
  .form-group textarea{ resize:vertical; min-height:90px;}
  .form-group select{
    appearance:none;
    background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'><path fill='%230A2540' d='M6 8L1 3h10z'/></svg>");
    background-repeat:no-repeat;
    background-position:right center;
    padding-right:24px;
  }

  .form-submit{
    margin-top:18px;
    width:100%;
    justify-content:center;
    padding:18px;
    font-size:15px;
  }

  .form-success{
    background:rgba(30,111,142,0.10);
    border:1px solid var(--sea);
    color:var(--ink);
    padding:20px 24px;
    border-radius:14px;
    margin-bottom:24px;
    font-size:14px;
    display:none;
    position:relative;
  }
  .form-success.show{ display:block; animation:successIn .5s ease;}
  @keyframes successIn{
    from{ opacity:0; transform:translateY(-6px);}
    to{ opacity:1; transform:translateY(0);}
  }
  .form-success strong{ font-family:var(--font-display); font-size:1.15rem; display:block; margin-bottom:2px;}

  /* ---------- About page values ---------- */
  .values-grid{
    display:grid;
    grid-template-columns:repeat(3, 1fr);
    gap:24px;
    margin-top:70px;
  }
  .value-item{
    padding:40px;
    background:var(--paper);
    border:1px solid var(--line);
    border-radius:var(--radius-lg);
    transition:all .4s cubic-bezier(.16,1,.3,1);
    position:relative;
    overflow:hidden;
  }
  .value-item:hover{
    transform:translateY(-6px);
    box-shadow:var(--shadow-md);
    border-color:var(--sea);
  }
  .value-item .num{
    font-family:var(--font-display);
    font-style:italic;
    font-weight:300;
    font-size:2.8rem;
    color:var(--sea);
    line-height:1;
    margin-bottom:20px;
  }
  .value-item h3{ margin-bottom:10px; font-size:1.25rem;}
  .value-item p{ color:var(--muted); font-size:14.5px; margin:0; line-height:1.6;}

  /* ---------- Quote page ---------- */
  .quote-form{
    background:var(--paper);
    border:1px solid var(--line);
    border-radius:var(--radius-xl);
    padding:56px;
    box-shadow:var(--shadow-md);
  }
  .quote-types{
    display:grid;
    grid-template-columns:repeat(4, 1fr);
    gap:12px;
    margin-bottom:32px;
  }
  .quote-type{
    padding:22px 14px;
    border:1.5px solid var(--line);
    border-radius:14px;
    text-align:center;
    cursor:pointer;
    transition:all .25s ease;
    font-size:13.5px;
    font-weight:500;
    background:var(--paper);
    position:relative;
  }
  .quote-type:hover{ border-color:var(--sea); transform:translateY(-3px);}
  .quote-type.selected{
    background:var(--ink);
    border-color:var(--ink);
    color:var(--paper);
  }
  .quote-type svg{
    width:24px; height:24px;
    margin:0 auto 12px;
    display:block;
    color:var(--sea);
  }
  .quote-type.selected svg{ color:var(--sun);}

  /* ---------- Responsive ---------- */
  @media (max-width:1024px){
    .hero-grid{ grid-template-columns:1fr; gap:80px;}
    .hero-visual{ max-width:480px; margin:0 auto;}
    .services-grid{ grid-template-columns:repeat(2, 1fr);}
    .footer-grid{ grid-template-columns:1fr 1fr; gap:50px;}
    .about-blurb{ grid-template-columns:1fr; padding:56px; gap:50px;}
    .testimonial-grid{ grid-template-columns:1fr;}
    .content-grid{ grid-template-columns:1fr; gap:60px;}
    .contact-grid{ grid-template-columns:1fr; gap:60px;}
    .process-steps{ grid-template-columns:1fr; gap:40px;}
    .process-step::before{ display:none;}
    .process{ padding:70px 50px;}
    .values-grid{ grid-template-columns:1fr; gap:20px;}
    .quote-types{ grid-template-columns:repeat(2, 1fr);}
  }
  @media (max-width:768px){
    .nav-links{ display:none;}
    .nav-cta .btn-ghost{ display:none;}
    .menu-toggle{ display:block;}
    section.pad{ padding:80px 0;}
    .hero{ padding:50px 0 90px;}
    .hero-sun{ width:120px; height:120px; top:50px; right:5%;}
    .hero-badge{ width:90px; height:90px; font-size:0.7rem; top:14px; left:-10px;}
    .hero-badge strong{ font-size:1.4rem;}
    .hero-card{ left:0; max-width:260px; padding:18px 20px;}
    .hero-stat-card{ right:-10px; padding:16px 18px; min-width:140px;}
    .hero-stat-card .value{ font-size:1.7rem;}
    .hero-meta{ gap:30px; flex-wrap:wrap;}
    .services-grid{ grid-template-columns:1fr;}
    .footer-grid{ grid-template-columns:1fr; gap:50px;}
    .footer-bottom{ flex-direction:column; text-align:center;}
    .about-blurb{ padding:36px;}
    .testimonial-main{ padding:40px 30px;}
    .testimonial-main .quote{ font-size:1.4rem;}
    .form-card{ padding:36px 26px;}
    .form-row{ grid-template-columns:1fr;}
    .quote-form{ padding:32px 22px;}
    .page-banner{ padding:80px 0 60px;}
    .content-section{ padding:70px 0;}
    .container{ padding:0 22px;}
    .process-wrap-outer{ padding:0 18px;}
    .process{ padding:60px 30px;}
    .logo-link img{ height:42px;}
    .carriers-label{ padding-right:30px;}
    .hero-trust{ flex-wrap:wrap;}
  }