*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #0a1628;
  --navy-mid: #112040;
  --navy-dark: #060e1c;
  --gold: #c9a84c;
  --gold-light: #e8c878;
  --gold-pale: #fdf6e3;
  --cream: #faf8f4;
  --white: #ffffff;
  --text-dark: #0d1b2a;
  --text-mid: #3d4f63;
  --text-light: #7a8fa3;
  --border: rgba(201,168,76,0.25);
  --shadow: 0 20px 60px rgba(10,22,40,0.12);
  --shadow-card: 0 8px 32px rgba(10,22,40,0.10);
  --radius-card: 22px;
}

html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--cream);
  color: var(--text-dark);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

/* ─── NAV ─── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 0 5%; display: flex; align-items: center; justify-content: space-between;
  height: 72px;
  background: rgba(10,22,40,0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  transition: all 0.3s;
}
nav.scrolled {
  height: 64px;
  background: rgba(6,14,28,0.99);
  box-shadow: 0 4px 32px rgba(0,0,0,0.3);
}
.nav-logo { text-decoration: none; line-height: 1.2; }
.logo-main {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 18px;
  color: var(--gold);
  letter-spacing: 0.01em;
}
.logo-sub {
  display: block;
  font-size: 10px;
  color: rgba(255,255,255,0.4);
  font-family: 'DM Sans', sans-serif;
  font-weight: 300;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-top: 2px;
}
.nav-links { display: flex; gap: 1.8rem; list-style: none; }
.nav-links a {
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  font-size: 13.5px;
  font-weight: 400;
  letter-spacing: 0.03em;
  transition: color 0.2s;
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -3px; left: 0; right: 0;
  height: 1px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.2s;
}
.nav-links a:hover { color: var(--gold); }
.nav-links a:hover::after { transform: scaleX(1); }
.nav-cta {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 10px 22px;
  border-radius: 30px;
  font-family: 'DM Sans', sans-serif;
  font-size: 13.5px;
  font-weight: 600;
  cursor: pointer;
  text-decoration: none;
  letter-spacing: 0.03em;
  transition: all 0.2s;
  white-space: nowrap;
}
.nav-cta:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(201,168,76,0.4); }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span { display: block; width: 24px; height: 2px; background: white; border-radius: 2px; transition: all 0.3s; }

/* ─── HERO ─── */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, #0d2244 55%, #152e55 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 110px 5% 80px;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 65% 55% at 72% 50%, rgba(201,168,76,0.07) 0%, transparent 70%);
}
.hero::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.03) 1px, transparent 1px);
  background-size: 72px 72px;
}
/* Floating particles */
.hero-particles {
  position: absolute; inset: 0; z-index: 1; overflow: hidden;
}
.hero-particles .particle {
  position: absolute;
  width: 3px; height: 3px;
  background: var(--gold);
  border-radius: 50%;
  opacity: 0;
  animation: particleFade var(--dur) var(--delay) ease-in-out infinite;
}
@keyframes particleFade {
  0%,100% { opacity: 0; transform: translateY(0) scale(0); }
  30% { opacity: 0.6; transform: translateY(-20px) scale(1); }
  70% { opacity: 0.2; transform: translateY(-50px) scale(0.6); }
}
.hero-inner {
  position: relative; z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.28);
  color: var(--gold);
  font-size: 11.5px; font-weight: 500;
  padding: 7px 16px;
  border-radius: 20px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 24px;
  animation: fadeUp 0.8s ease both;
}
.badge-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold);
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.4;transform:scale(0.7)} }
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(36px, 4.8vw, 60px);
  color: white;
  line-height: 1.13;
  margin-bottom: 22px;
  animation: fadeUp 0.8s ease 0.1s both;
}
.hero h1 em { color: var(--gold); font-style: normal; }
.hero-sub {
  font-size: 16.5px;
  color: rgba(255,255,255,0.62);
  line-height: 1.75;
  margin-bottom: 36px;
  font-weight: 300;
  animation: fadeUp 0.8s ease 0.2s both;
  max-width: 500px;
}
.hero-actions {
  display: flex; gap: 14px; flex-wrap: wrap;
  animation: fadeUp 0.8s ease 0.3s both;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  padding: 13px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 14.5px;
  text-decoration: none;
  transition: all 0.22s;
  display: inline-flex; align-items: center; gap: 8px;
  letter-spacing: 0.02em;
  border: none; cursor: pointer;
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 10px 28px rgba(201,168,76,0.35); }
.btn-outline {
  background: transparent;
  color: white;
  padding: 13px 28px;
  border-radius: 50px;
  border: 1.5px solid rgba(255,255,255,0.28);
  font-weight: 500;
  font-size: 14.5px;
  text-decoration: none;
  transition: all 0.22s;
  display: inline-flex; align-items: center; gap: 8px;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); background: rgba(201,168,76,0.06); }
.hero-stats {
  display: flex; gap: 28px;
  margin-top: 44px; padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.1);
  animation: fadeUp 0.8s ease 0.4s both;
}
.hero-stat .num { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--gold); line-height: 1; }
.hero-stat .lbl { font-size: 11px; color: rgba(255,255,255,0.45); margin-top: 5px; letter-spacing: 0.06em; text-transform: uppercase; }

/* Hero Photo */
.hero-photo-wrap { position: relative; animation: fadeIn 1.2s ease 0.2s both; }
.hero-glow {
  position: absolute; inset: -20px;
  background: radial-gradient(ellipse 60% 60% at 50% 50%, rgba(201,168,76,0.12) 0%, transparent 70%);
  border-radius: 50%;
  animation: glowPulse 4s ease-in-out infinite;
}
@keyframes glowPulse { 0%,100%{opacity:0.7} 50%{opacity:1} }
.hero-photo-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(201,168,76,0.22);
  border-radius: 28px;
  overflow: hidden;
  position: relative;
  aspect-ratio: 4/5;
  display: flex; flex-direction: column; justify-content: flex-end;
  box-shadow: 0 40px 80px rgba(0,0,0,0.4);
}
.hero-photo-bg { position: absolute; inset: 0; overflow: hidden; }
.hero-photo-bg img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.hero-photo-overlay {
  position: relative; z-index: 2;
  background: linear-gradient(to top, rgba(10,22,40,0.97) 0%, rgba(10,22,40,0.4) 50%, transparent 100%);
  padding: 36px 28px 28px;
}
.hero-name { font-family: 'Playfair Display', serif; font-size: 24px; color: white; margin-bottom: 5px; }
.hero-title-tag { font-size: 12px; color: var(--gold); letter-spacing: 0.07em; text-transform: uppercase; margin-bottom: 14px; }
.hero-tags { display: flex; flex-wrap: wrap; gap: 7px; }
.hero-tag {
  background: rgba(201,168,76,0.13);
  border: 1px solid rgba(201,168,76,0.22);
  color: rgba(255,255,255,0.8);
  font-size: 10.5px; padding: 3px 10px;
  border-radius: 20px; letter-spacing: 0.04em;
}
.hero-npn {
  display: flex; align-items: center; gap: 7px;
  background: rgba(255,255,255,0.05);
  border-radius: 8px; padding: 7px 12px;
  margin-bottom: 14px;
  font-size: 11.5px; color: rgba(255,255,255,0.55);
}
.hero-npn span { color: var(--gold); font-weight: 600; }
.floating-badge {
  position: absolute; top: -16px; right: -16px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: 50%;
  width: 86px; height: 86px;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  box-shadow: 0 8px 28px rgba(201,168,76,0.5);
  text-align: center; z-index: 5;
}
.floating-badge .num { font-family: 'Playfair Display', serif; font-size: 22px; color: var(--navy); font-weight: 700; line-height: 1; }
.floating-badge .lbl { font-size: 9px; color: var(--navy); font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; margin-top: 2px; }

/* Scroll hint */
.hero-scroll-hint {
  position: absolute; bottom: 32px; left: 50%; transform: translateX(-50%);
  z-index: 2; display: flex; flex-direction: column; align-items: center; gap: 8px;
  animation: fadeIn 2s ease 1s both;
}
.hero-scroll-hint span { font-size: 10px; color: rgba(255,255,255,0.3); letter-spacing: 0.1em; text-transform: uppercase; }
.scroll-arrow {
  width: 20px; height: 20px;
  border-right: 1.5px solid rgba(201,168,76,0.5);
  border-bottom: 1.5px solid rgba(201,168,76,0.5);
  transform: rotate(45deg);
  animation: scrollBounce 1.5s ease-in-out infinite;
}
@keyframes scrollBounce { 0%,100%{transform:rotate(45deg) translateY(0)} 50%{transform:rotate(45deg) translateY(5px)} }

@keyframes fadeUp { from{opacity:0;transform:translateY(26px)} to{opacity:1;transform:translateY(0)} }
@keyframes fadeIn { from{opacity:0} to{opacity:1} }

/* ─── TRUST BAR ─── */
.trust-bar {
  background: var(--navy-mid);
  padding: 18px 5%;
  border-bottom: 1px solid rgba(201,168,76,0.12);
  overflow: hidden;
}
.trust-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; flex-wrap: wrap;
}
.trust-label { font-size: 10.5px; color: rgba(255,255,255,0.35); letter-spacing: 0.14em; text-transform: uppercase; white-space: nowrap; }
.trust-carriers { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.trust-carrier {
  font-size: 12.5px; font-weight: 500;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.04em;
  padding: 5px 14px;
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 6px;
  transition: all 0.25s;
  cursor: default;
}
.trust-carrier:hover { color: var(--gold); border-color: rgba(201,168,76,0.28); }
.trust-count { display: flex; align-items: center; gap: 8px; font-size: 12.5px; color: var(--gold); font-weight: 500; white-space: nowrap; }

/* ─── SECTIONS ─── */
section { padding: 100px 5%; }
.section-header { text-align: center; max-width: 640px; margin: 0 auto 64px; }
.section-tag {
  display: inline-block;
  font-size: 11px; font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 3.5vw, 40px);
  line-height: 1.2;
  color: var(--text-dark);
  margin-bottom: 16px;
}
.section-desc { font-size: 16px; color: var(--text-mid); line-height: 1.75; font-weight: 300; }

/* ─── SERVICES ─── */
.services-section { background: var(--cream); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(275px, 1fr));
  gap: 22px;
  max-width: 1200px; margin: 0 auto;
}
.service-card {
  background: white;
  border-radius: var(--radius-card);
  border: 1px solid rgba(201,168,76,0.1);
  padding: 34px 30px;
  transition: all 0.32s;
  position: relative; overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.32s;
}
.service-card:hover {
  transform: translateY(-7px);
  box-shadow: 0 24px 56px rgba(10,22,40,0.11);
  border-color: rgba(201,168,76,0.25);
}
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: var(--gold-pale);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  color: var(--gold);
  transition: all 0.25s;
}
.service-card:hover .service-icon { background: rgba(201,168,76,0.18); transform: scale(1.06); }
.service-card h3 { font-family: 'Playfair Display', serif; font-size: 20px; margin-bottom: 10px; color: var(--text-dark); }
.service-card p { font-size: 13.5px; color: var(--text-mid); line-height: 1.72; font-weight: 300; }
.service-link {
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: 18px;
  font-size: 13px; color: var(--gold);
  text-decoration: none; font-weight: 600;
  letter-spacing: 0.03em;
  transition: gap 0.2s;
}
.service-link span { transition: transform 0.2s; }
.service-link:hover { gap: 10px; }
.service-link:hover span { transform: translateX(2px); }

/* ─── WHY / ABOUT ─── */
.why-section {
  background-color: var(--navy);
  background-image: url('assets/images/cb_assit.png');
  background-size: cover;
  background-position: center 30%;
  background-attachment: fixed;
  position: relative;
}
.why-section::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(
    135deg,
    rgba(6,14,28,0.93) 0%,
    rgba(10,22,40,0.88) 50%,
    rgba(6,14,28,0.93) 100%
  );
  z-index: 0;
}
.why-section > * { position: relative; z-index: 1; }
.why-section .section-title { color: white; }
.why-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
  max-width: 1200px; margin: 0 auto;
}
.why-points { list-style: none; display: flex; flex-direction: column; gap: 18px; }
.why-point {
  display: flex; gap: 16px; align-items: flex-start;
  padding: 22px 20px;
  border-radius: 16px;
  border: 1px solid rgba(255,255,255,0.05);
  background: rgba(255,255,255,0.025);
  transition: all 0.28s;
}
.why-point:hover { background: rgba(201,168,76,0.07); border-color: rgba(201,168,76,0.2); transform: translateX(4px); }
.why-point-icon {
  width: 42px; height: 42px; min-width: 42px;
  border-radius: 12px;
  background: rgba(201,168,76,0.12);
  color: var(--gold);
  display: flex; align-items: center; justify-content: center;
}
.why-point-body h4 { font-size: 14.5px; font-weight: 600; color: white; margin-bottom: 5px; }
.why-point-body p { font-size: 13px; color: rgba(255,255,255,0.48); line-height: 1.6; font-weight: 300; }

/* About card */
.about-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 24px; padding: 40px;
}
.about-avatar {
  width: 92px; height: 92px;
  border-radius: 50%; overflow: hidden;
  margin: 0 auto 22px;
  border: 2px solid rgba(201,168,76,0.4);
}
.about-avatar img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.about-card h3 { font-family: 'Playfair Display', serif; font-size: 24px; color: white; text-align: center; margin-bottom: 4px; }
.about-card .subtitle { font-size: 12px; color: var(--gold); text-align: center; letter-spacing: 0.07em; text-transform: uppercase; margin-bottom: 22px; }
.about-facts { display: flex; flex-direction: column; gap: 11px; margin-bottom: 26px; }
.about-fact { display: flex; align-items: center; gap: 12px; font-size: 13.5px; color: rgba(255,255,255,0.75); font-weight: 300; }
.about-fact span { font-size: 17px; }
.about-quote {
  font-family: 'Playfair Display', serif;
  font-size: 15px; font-style: italic;
  color: rgba(255,255,255,0.55);
  text-align: center; line-height: 1.65;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.npn-pill {
  display: flex; justify-content: center; align-items: center; gap: 6px;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.22);
  color: var(--gold); font-size: 10.5px; font-weight: 600;
  padding: 4px 12px; border-radius: 20px;
  letter-spacing: 0.08em; margin: 0 auto 18px;
  text-transform: uppercase;
}
.family-photo-wrap { border-radius: 12px; overflow: hidden; margin-bottom: 18px; border: 1px solid rgba(201,168,76,0.18); }
.family-photo-wrap img { width: 100%; display: block; }
.family-caption { background: rgba(255,255,255,0.04); padding: 7px 14px; font-size: 11.5px; color: rgba(255,255,255,0.35); letter-spacing: 0.05em; text-align: center; }

/* ─── MEDICARE ─── */
.medicare-section { background: white; }
.medicare-inner {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 80px; align-items: center;
}
.medicare-content .section-header { text-align: left; margin-bottom: 32px; }
.medicare-steps { display: flex; flex-direction: column; gap: 18px; margin-bottom: 36px; }
.medicare-step { display: flex; gap: 16px; align-items: flex-start; }
.medicare-step-num {
  width: 34px; height: 34px; min-width: 34px;
  border-radius: 50%;
  background: var(--gold); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-size: 13.5px; font-weight: 700;
}
.medicare-step h4 { font-size: 14.5px; font-weight: 600; color: var(--text-dark); margin-bottom: 4px; }
.medicare-step p { font-size: 13px; color: var(--text-mid); line-height: 1.6; font-weight: 300; }
.medicare-visual {
  background: var(--navy);
  border-radius: 24px; padding: 44px 36px;
  position: relative; overflow: hidden;
  box-shadow: 0 30px 80px rgba(10,22,40,0.25);
}
.medicare-visual::before {
  content: '';
  position: absolute; top: -60px; right: -60px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(201,168,76,0.05);
}
.medicare-visual h3 { font-family: 'Playfair Display', serif; font-size: 22px; color: white; margin-bottom: 26px; position: relative; z-index: 1; }
.medicare-plans { display: flex; flex-direction: column; gap: 11px; position: relative; z-index: 1; }
.medicare-plan {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px; padding: 14px 18px;
  display: flex; align-items: center; gap: 14px;
  transition: all 0.22s;
}
.medicare-plan:hover { background: rgba(201,168,76,0.09); border-color: rgba(201,168,76,0.28); }
.plan-letter {
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--gold); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 15px; min-width: 38px;
}
.plan-letter.blue { background: #3b82f6; color: white; }
.plan-letter.red { background: #ef4444; color: white; }
.plan-letter.green { background: #10b981; color: white; }
.plan-letter.purple { background: #8b5cf6; color: white; font-size: 10.5px; font-weight: 700; }
.plan-info h4 { font-size: 13.5px; font-weight: 600; color: white; margin-bottom: 2px; }
.plan-info p { font-size: 11.5px; color: rgba(255,255,255,0.48); }

/* ─── ANNUITIES ─── */
.annuity-section { background: var(--gold-pale); }
.annuity-inner { max-width: 1200px; margin: 0 auto; }
.annuity-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.annuity-card {
  background: white;
  border-radius: var(--radius-card);
  padding: 36px 28px;
  border: 1px solid rgba(201,168,76,0.12);
  transition: all 0.32s;
  position: relative; overflow: hidden;
}
.annuity-card::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transition: transform 0.32s;
}
.annuity-card:hover { transform: translateY(-8px); box-shadow: 0 24px 56px rgba(10,22,40,0.12); }
.annuity-card:hover::after { transform: scaleX(1); }
.annuity-card-icon {
  width: 58px; height: 58px;
  border-radius: 16px;
  background: var(--gold-pale);
  border: 1.5px solid rgba(201,168,76,0.2);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px;
  color: var(--gold);
  transition: all 0.25s;
}
.annuity-card-icon.featured { background: var(--navy); border-color: transparent; color: var(--gold); }
.annuity-card:hover .annuity-card-icon { transform: scale(1.08); }
.annuity-card h3 { font-family: 'Playfair Display', serif; font-size: 20px; margin-bottom: 12px; color: var(--text-dark); }
.annuity-card p { font-size: 13.5px; color: var(--text-mid); line-height: 1.72; font-weight: 300; }

/* ─── PROCESS ─── */
.process-section { background: var(--cream); }
.process-steps {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  max-width: 1100px; margin: 0 auto;
  position: relative;
}
.process-connector {
  position: absolute;
  top: 30px; left: calc(12.5% + 8px); right: calc(12.5% + 8px);
  height: 1px;
  background: repeating-linear-gradient(90deg, var(--gold) 0, var(--gold) 6px, transparent 6px, transparent 14px);
  z-index: 0;
}
.process-step { text-align: center; position: relative; z-index: 1; }
.process-num {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 20px; font-weight: 700;
  margin: 0 auto 18px;
  border: 3px solid var(--cream);
  box-shadow: 0 0 0 2px var(--gold);
  transition: all 0.3s;
}
.process-step:hover .process-num { background: var(--gold); color: var(--navy); transform: scale(1.08); }
.process-step h4 { font-size: 15px; font-weight: 600; margin-bottom: 8px; color: var(--text-dark); }
.process-step p { font-size: 13px; color: var(--text-mid); line-height: 1.62; font-weight: 300; }

/* ─── CONSULTING BANNER ─── */
.consulting-banner { position: relative; overflow: hidden; max-height: 540px; }
.consulting-banner img { width: 100%; display: block; object-fit: cover; object-position: center 25%; }
.consulting-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to right, rgba(10,22,40,0.88) 0%, rgba(10,22,40,0.4) 60%, transparent 100%);
  display: flex; align-items: center; padding: 0 7%;
}
.consulting-text { max-width: 520px; }
.consulting-text .tag { font-size: 11px; color: var(--gold); letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 14px; }
.consulting-text h2 { font-family: 'Playfair Display', serif; font-size: clamp(26px, 3.5vw, 44px); color: white; line-height: 1.18; margin-bottom: 18px; }
.consulting-text h2 em { color: var(--gold); font-style: normal; }
.consulting-text p { font-size: 16px; color: rgba(255,255,255,0.7); line-height: 1.72; font-weight: 300; margin-bottom: 28px; }

/* ─── TESTIMONIALS ─── */
.testimonials-section { background: var(--navy); }
.testimonials-section .section-title { color: white; }
.testimonials-section .section-desc { color: rgba(255,255,255,0.5); }
.testimonials-grid {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 22px; max-width: 1000px; margin: 0 auto 48px;
}
.testimonial-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 20px; padding: 32px 28px;
  transition: all 0.3s; position: relative;
}
.testimonial-card::before {
  content: '"';
  position: absolute; top: 16px; right: 22px;
  font-family: 'Playfair Display', serif;
  font-size: 72px; color: rgba(201,168,76,0.08); line-height: 1;
  user-select: none;
}
.testimonial-card:hover { background: rgba(201,168,76,0.06); border-color: rgba(201,168,76,0.2); transform: translateY(-4px); }
.featured-testimonial {
  background: rgba(201,168,76,0.07);
  border-color: rgba(201,168,76,0.25);
  grid-column: span 2;
}
.stars { color: var(--gold); font-size: 15px; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-text {
  font-size: 14.5px; color: rgba(255,255,255,0.78);
  line-height: 1.75; font-weight: 300; font-style: italic;
  margin-bottom: 22px; position: relative; z-index: 1;
}
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 42px; height: 42px; min-width: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 16px;
}
.author-name { font-size: 14px; font-weight: 600; color: white; }
.author-location { font-size: 11.5px; color: rgba(255,255,255,0.35); letter-spacing: 0.04em; margin-top: 2px; }
.testimonials-cta {
  text-align: center; max-width: 600px; margin: 0 auto;
}
.testimonials-cta p { font-size: 15px; color: rgba(255,255,255,0.5); margin-bottom: 22px; }

/* ─── FAQ ─── */
.faq-section { background: var(--cream); }
.faq-inner { max-width: 780px; margin: 0 auto; }
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: white;
  border: 1px solid rgba(201,168,76,0.12);
  border-radius: 16px;
  overflow: hidden;
  transition: border-color 0.25s;
}
.faq-item.open { border-color: rgba(201,168,76,0.3); }
.faq-question {
  width: 100%; display: flex;
  align-items: center; justify-content: space-between;
  gap: 16px;
  padding: 22px 26px;
  background: none; border: none; cursor: pointer;
  text-align: left;
}
.faq-question span { font-size: 15.5px; font-weight: 500; color: var(--text-dark); line-height: 1.5; }
.faq-icon {
  width: 34px; height: 34px; min-width: 34px;
  border-radius: 50%;
  background: var(--gold-pale);
  border: 1px solid rgba(201,168,76,0.25);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  transition: all 0.3s;
}
.faq-item.open .faq-icon { background: var(--gold); color: var(--navy); transform: rotate(180deg); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s;
  padding: 0 26px;
}
.faq-answer.open {
  max-height: 300px;
  padding: 0 26px 22px;
}
.faq-answer p { font-size: 14.5px; color: var(--text-mid); line-height: 1.75; font-weight: 300; }
.faq-answer em { font-style: italic; color: var(--text-dark); }

/* ─── CONTACT ─── */
.contact-section { background: var(--navy); }
.contact-section .section-title { color: white; }
.contact-section .section-desc { color: rgba(255,255,255,0.5); }
.contact-inner {
  max-width: 900px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 60px; align-items: start;
}
.contact-items { display: flex; flex-direction: column; gap: 16px; margin-top: 24px; }
.contact-item {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 18px;
  border-radius: 14px;
  background: rgba(255,255,255,0.035);
  border: 1px solid rgba(255,255,255,0.07);
  transition: all 0.22s;
}
.contact-item:hover { background: rgba(201,168,76,0.06); border-color: rgba(201,168,76,0.18); }
.contact-item-icon {
  width: 38px; height: 38px; min-width: 38px;
  border-radius: 10px;
  background: rgba(201,168,76,0.13);
  display: flex; align-items: center; justify-content: center;
  font-size: 17px;
}
.contact-item h4 { font-size: 10.5px; color: rgba(255,255,255,0.38); letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 4px; }
.contact-item p { font-size: 14.5px; color: white; font-weight: 400; }
.contact-item a { color: white; text-decoration: none; transition: color 0.2s; }
.contact-item a:hover { color: var(--gold); }
.contact-form-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 24px; padding: 38px 34px;
}
.contact-form-card h3 { font-family: 'Playfair Display', serif; font-size: 22px; color: white; margin-bottom: 24px; }
.form-group { margin-bottom: 15px; }
.form-group label { display: block; font-size: 11px; color: rgba(255,255,255,0.45); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 7px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 11px 15px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 10px;
  color: white;
  font-family: 'DM Sans', sans-serif; font-size: 13.5px;
  outline: none; transition: border-color 0.2s;
  -webkit-appearance: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: rgba(201,168,76,0.6); }
.form-group select option { background: var(--navy); }
.form-group textarea { height: 96px; resize: vertical; }
.form-submit {
  width: 100%; background: var(--gold);
  color: var(--navy); padding: 13px;
  border-radius: 10px; border: none;
  font-family: 'DM Sans', sans-serif;
  font-size: 15px; font-weight: 600;
  cursor: pointer; transition: all 0.22s;
  letter-spacing: 0.02em; margin-top: 8px;
}
.form-submit:hover { background: var(--gold-light); box-shadow: 0 6px 20px rgba(201,168,76,0.3); }

/* ─── FOOTER ─── */
footer {
  background: var(--navy-dark);
  padding: 56px 5% 36px;
  text-align: center;
  border-top: 1px solid rgba(201,168,76,0.1);
}
.footer-logo { font-family: 'Playfair Display', serif; font-size: 24px; color: var(--gold); margin-bottom: 6px; }
.footer-agent { font-size: 12px; color: rgba(255,255,255,0.32); letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 26px; }
.footer-links {
  display: flex; justify-content: center; gap: 22px;
  flex-wrap: wrap; margin-bottom: 22px;
}
.footer-links a { font-size: 13px; color: rgba(255,255,255,0.38); text-decoration: none; transition: color 0.2s; }
.footer-links a:hover { color: var(--gold); }
.footer-states {
  display: flex; justify-content: center; align-items: center;
  gap: 10px; flex-wrap: wrap; margin-bottom: 22px;
}
.footer-states span:first-child { font-size: 11px; color: rgba(255,255,255,0.28); letter-spacing: 0.08em; text-transform: uppercase; }
.state-pill {
  font-size: 11px; color: rgba(255,255,255,0.45);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  padding: 3px 10px; border-radius: 20px;
}
.footer-copy { font-size: 11.5px; color: rgba(255,255,255,0.22); line-height: 1.8; }
.footer-disc { font-size: 10px; color: rgba(255,255,255,0.18); max-width: 600px; margin: 12px auto 0; line-height: 1.6; }

/* ─── FLOAT CALL ─── */
.float-call {
  position: fixed; bottom: 26px; right: 26px; z-index: 99;
  background: var(--gold); color: var(--navy);
  width: 58px; height: 58px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  text-decoration: none;
  box-shadow: 0 6px 24px rgba(201,168,76,0.5);
  transition: all 0.22s;
  animation: floatBob 3s ease-in-out infinite;
}
.float-call:hover { transform: scale(1.12); box-shadow: 0 10px 36px rgba(201,168,76,0.65); }
@keyframes floatBob { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-7px)} }

/* ─── SCROLL REVEAL ─── */
.reveal { opacity: 0; transform: translateY(32px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ─── MOBILE NAV PANEL ─── */
.mobile-nav-panel {
  position: fixed; top: 72px; left: 0; right: 0;
  background: rgba(6,14,28,0.99);
  backdrop-filter: blur(16px);
  padding: 20px 5%;
  border-bottom: 1px solid rgba(201,168,76,0.18);
  display: none; flex-direction: column; gap: 4px;
  z-index: 99;
  transform: translateY(-10px); opacity: 0;
  transition: all 0.25s;
}
.mobile-nav-panel.open { display: flex; transform: translateY(0); opacity: 1; }
.mobile-nav-panel a {
  color: rgba(255,255,255,0.75);
  text-decoration: none;
  font-size: 15px; padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: color 0.2s;
}
.mobile-nav-panel a:hover { color: var(--gold); }
.mobile-nav-panel a:last-child { border-bottom: none; }

/* ─── RESPONSIVE ─── */
@media (max-width: 960px) {
  .hero-inner, .why-grid, .medicare-inner, .contact-inner { grid-template-columns: 1fr; gap: 48px; }
  .annuity-cards { grid-template-columns: 1fr 1fr; }
  .process-steps { grid-template-columns: 1fr 1fr; }
  .process-connector { display: none; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .hero-photo-wrap { order: -1; max-width: 360px; margin: 0 auto; }
  .medicare-content .section-header { text-align: center; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .featured-testimonial { grid-column: span 1; }
}
@media (max-width: 600px) {
  section { padding: 72px 5%; }
  .annuity-cards { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .hero-stats { gap: 18px; flex-wrap: wrap; }
  .trust-inner { justify-content: center; }
  .contact-form-card { padding: 26px 18px; }
  nav { padding: 0 4%; }
  .consulting-overlay { padding: 0 5%; }
  .services-grid { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* iOS parallax fix for why-section */
@supports (-webkit-overflow-scrolling: touch) {
  .why-section { background-attachment: scroll; }
}
@media (max-width: 960px) {
  .why-section { background-attachment: scroll; background-position: center center; }
}


/* ─── Brand Logo Additions ─── */
.nav-logo { display:flex; align-items:center; min-width:185px; }
.nav-logo-img { height:54px; width:auto; max-width:340px; display:block; object-fit:contain; filter: drop-shadow(0 4px 12px rgba(0,0,0,.25)); }
nav.scrolled .nav-logo-img { height:42px; }
.hero-brand-logo { display:block; width:min(520px, 100%); max-height:260px; object-fit:contain; margin:14px 0 22px; background:transparent; border-radius:0; box-shadow:none; }
.contact-form-logo { display:block; width:100%; max-width:360px; height:auto; max-height:120px; object-fit:contain; margin:0 auto 18px; background:transparent; border-radius:0; box-shadow:none; }
.footer-shield { width:82px; height:auto; display:block; margin:0 auto 16px; border-radius:14px; box-shadow:0 12px 32px rgba(0,0,0,.20); }
.hidden-field { display:none !important; }
@media (max-width: 900px) {
  .nav-logo-img { height:40px; max-width:190px; }
  nav.scrolled .nav-logo-img { height:38px; }
  .hero-brand-logo { width:min(340px, 100%); margin-left:auto; margin-right:auto; }
}
@media (max-width: 560px) {
  .nav-logo-img { height:34px; max-width:158px; }
  .nav-cta { display:none; }
}