:root {
  --ink: #0a2944;
  --navy: #063b73;
  --navy-deep: #042d57;
  --blue: #4b9bd3;
  --blue-soft: #e7f3fb;
  --aqua: #edf6fb;
  --paper: #f8fbfe;
  --white: #fff;
  --gold: #d4a637;
  --gold-light: #f4d985;
  --red: #d4a637;
  --red-dark: #b98a20;
  --sky: #a8d5f0;
  --muted: #536979;
  --line: rgba(10, 41, 68, .16);
  --page: min(1180px, calc(100% - 48px));
  --header-h: 88px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: "DM Sans", sans-serif;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 4px; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: fixed; z-index: 100; top: 10px; left: 10px; padding: 10px 16px;
  background: var(--white); color: var(--navy); transform: translateY(-150%);
}
.skip-link:focus { transform: translateY(0); }

.site-header {
  position: absolute; z-index: 20; top: 0; left: 0; width: 100%; height: var(--header-h);
  padding: 0 max(24px, calc((100vw - 1180px) / 2));
  display: flex; align-items: center; justify-content: space-between;
  color: var(--navy); background: rgba(255,255,255,.97); border-bottom: 1px solid rgba(6,58,107,.12);
  box-shadow: 0 8px 32px rgba(3,41,77,.06);
}
.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; }
.brand img { width: 41px; }
.brand-original { align-self: stretch; }
.logo-crop {
  display: block; width: 154px; height: 78px; overflow: hidden; position: relative;
  background: var(--white); transition: width .25s ease, height .25s ease;
}
.logo-crop img {
  display: block; width: 154px; max-width: none; height: 154px; object-fit: contain;
  object-position: top center;
}
.brand-copy { display: grid; line-height: 1.05; }
.brand-copy strong { font: 600 18px/1 "Manrope", "Segoe UI", sans-serif; letter-spacing: -.02em; }
.brand-copy small {
  margin-top: 5px; font-size: 9px; font-weight: 600; letter-spacing: .18em;
  text-transform: uppercase; color: var(--gold-light);
}
.main-nav { display: flex; align-items: center; gap: 28px; font-size: 14px; }
.main-nav a { text-decoration: none; transition: color .2s ease; }
.main-nav a:not(.nav-cta):hover { color: var(--red); }
.nav-cta {
  padding: 11px 18px; border: 1px solid var(--navy); border-radius: 100px;
  font-weight: 600; transition: background .2s, color .2s;
}
.nav-cta:hover { background: var(--navy); color: var(--white); }
.menu-toggle { display: none; }

.hero {
  min-height: 720px; height: 100svh; max-height: 940px; position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--navy-deep), var(--navy) 72%); color: var(--white);
}
.hero-copy {
  position: relative; z-index: 3; width: min(1180px, calc(100% - 48px)); height: 100%;
  margin: auto; display: flex; flex-direction: column; justify-content: center;
  padding-top: var(--header-h); padding-right: 53%;
}
.eyebrow, .section-kicker {
  margin: 0 0 22px; font-size: 11px; font-weight: 700; letter-spacing: .2em; text-transform: uppercase;
}
.eyebrow { color: var(--sky); }
.hero h1 {
  max-width: 650px; margin: 0; font: 600 clamp(46px, 4.7vw, 68px)/.99 "Manrope", "Segoe UI", sans-serif;
  letter-spacing: -.055em; text-wrap: balance;
}
.hero h1 em { display: block; color: var(--sky); font-style: normal; font-weight: 500; white-space: nowrap; }
.hero-intro {
  max-width: 510px; margin: 27px 0 0; color: rgba(255,255,255,.8); font-size: 18px; line-height: 1.65;
}
.hero-actions { display: flex; align-items: center; gap: 28px; margin-top: 34px; }
.button {
  display: inline-flex; align-items: center; justify-content: center; gap: 12px;
  min-height: 52px; padding: 0 23px; border: 0; border-radius: 3px;
  text-decoration: none; font-weight: 700; cursor: pointer;
  transition: transform .2s, background .2s, box-shadow .2s;
}
.button:hover { transform: translateY(-2px); }
.button-gold { background: var(--red); color: var(--white); box-shadow: 0 12px 30px rgba(0,0,0,.16); }
.button-gold:hover { background: var(--red-dark); }
.text-link {
  display: inline-flex; align-items: center; gap: 9px; font-size: 14px; font-weight: 700;
  text-decoration: none; border-bottom: 1px solid currentColor; padding-bottom: 4px;
}
.text-link.light { border: 0; padding: 0; color: var(--white); }
.icon-circle {
  width: 34px; height: 34px; display: inline-grid; place-items: center;
  border: 1px solid rgba(255,255,255,.5); border-radius: 50%;
}
.hero-note {
  margin: 30px 0 0; font-size: 12px; letter-spacing: .03em; color: rgba(255,255,255,.64);
}
.hero-note span { margin-right: 8px; color: #ff7077; }
.hero-portrait {
  position: absolute; z-index: 1; top: 0; right: 0; width: 47.5%; height: 100%;
  background: #c8a989; overflow: hidden;
}
.hero-portrait::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(90deg, rgba(3,41,77,.55) 0%, transparent 27%), linear-gradient(0deg, rgba(3,41,77,.3), transparent 35%);
}
.hero-portrait img { width: 100%; height: 100%; object-fit: cover; object-position: 48% center; }
.portrait-caption {
  position: absolute; z-index: 2; right: 8%; bottom: 7%; display: grid; color: var(--white); text-align: right;
}
.portrait-caption span { font-size: 10px; text-transform: uppercase; letter-spacing: .2em; }
.portrait-caption strong { font: 500 40px/1 "Manrope", "Segoe UI", sans-serif; letter-spacing: -.05em; }
.hero-line {
  position: absolute; z-index: 4; top: 13%; left: 45.5%; width: 12vw; height: 74%;
  border: 2px solid rgba(216,61,68,.76); border-left: 0; border-radius: 0 50% 50% 0;
  pointer-events: none;
}
.hero-enter { opacity: 0; transform: translateY(18px); animation: heroIn .65s ease forwards; }
.hero-enter:nth-child(2) { animation-delay: .09s; }
.hero-enter:nth-child(3) { animation-delay: .17s; }
.hero-enter:nth-child(4) { animation-delay: .25s; }
.hero-enter:nth-child(5) { animation-delay: .33s; }
@keyframes heroIn { to { opacity: 1; transform: translateY(0); } }

.promise { width: var(--page); margin: 0 auto; padding: 120px 0 112px; }
.section-kicker { color: var(--red); }
.promise-grid { display: grid; grid-template-columns: 1.25fr .75fr; gap: 11vw; align-items: start; }
.promise h2, .section-heading h2, .process h2, .about h2, .faq h2, .contact h2 {
  margin: 0; font: 600 clamp(34px, 4vw, 58px)/1.08 "Manrope", "Segoe UI", sans-serif; letter-spacing: -.05em;
}
.promise-grid > div { padding-top: 8px; }
.promise-grid p { margin: 0 0 27px; color: var(--muted); font-size: 17px; line-height: 1.75; }

.services { padding: 110px max(24px, calc((100vw - 1180px) / 2)); background: var(--aqua); }
.section-heading { display: flex; justify-content: space-between; align-items: end; gap: 40px; margin-bottom: 74px; }
.section-heading .section-kicker { margin: 0 0 10px; flex: 0 0 auto; }
.section-heading h2 { max-width: 650px; text-align: right; }
.care-path { position: relative; border-top: 1px solid rgba(7,59,76,.26); }
.care-path::before {
  content: ""; position: absolute; top: -4px; left: 0; width: 8px; height: 8px;
  background: var(--red); border-radius: 50%;
}
.service {
  display: grid; grid-template-columns: 70px 82px 1fr; gap: 27px; align-items: center;
  padding: 36px 0; border-bottom: 1px solid rgba(7,59,76,.2);
}
.service-number { font: 600 12px/1 "Manrope", "Segoe UI", sans-serif; color: #728488; }
.service-icon {
  width: 68px; height: 68px; display: grid; place-items: center;
  background: var(--white); border-radius: 50%; box-shadow: 0 8px 25px rgba(6,58,107,.08);
}
.service-icon svg {
  width: 36px; height: 36px; fill: none; stroke: var(--navy); stroke-width: 1.8;
  stroke-linecap: round; stroke-linejoin: round;
}
.service h3 { margin: 0 0 7px; font: 600 25px/1.1 "Manrope", "Segoe UI", sans-serif; letter-spacing: -.035em; }
.service p { margin: 0; color: #536c72; font-size: 15px; }

.coverage-band {
  width: var(--page); margin: 0 auto; padding: 92px 0;
  display: grid; grid-template-columns: 1fr 1fr; gap: 9vw; align-items: end;
}
.coverage-band h2 {
  margin: 0; max-width: 560px; font: 600 clamp(34px, 3.7vw, 54px)/1.08 "Manrope", "Segoe UI", sans-serif;
  letter-spacing: -.05em;
}
.coverage-band ul { margin: 0; padding: 0; list-style: none; border-top: 2px solid var(--red); }
.coverage-band li {
  display: flex; align-items: center; gap: 20px; padding: 20px 0;
  border-bottom: 1px solid var(--line); font-weight: 600; font-size: 18px;
}
.coverage-band li span { color: var(--red); font-size: 11px; letter-spacing: .12em; }

.process {
  display: grid; grid-template-columns: .85fr 1.15fr; gap: 11vw;
  padding: 130px max(24px, calc((100vw - 1180px) / 2)); background: var(--navy); color: var(--white);
}
.process-intro { position: sticky; top: 45px; align-self: start; }
.process .section-kicker { color: #ff858a; }
.process-intro > p:last-child { max-width: 470px; margin-top: 25px; color: rgba(255,255,255,.67); line-height: 1.7; }
.process-steps { margin: 0; padding: 0; list-style: none; border-top: 1px solid rgba(255,255,255,.17); }
.process-steps li {
  min-height: 170px; display: grid; grid-template-columns: 70px 1fr; gap: 25px; align-items: center;
  border-bottom: 1px solid rgba(255,255,255,.17);
}
.process-steps li > span {
  width: 46px; height: 46px; display: grid; place-items: center; border: 1px solid #ff7379;
  border-radius: 50%; color: #ffb2b6; font-weight: 700;
}
.process-steps h3 { margin: 0 0 10px; font: 600 25px/1.2 "Manrope", "Segoe UI", sans-serif; letter-spacing: -.03em; }
.process-steps p { margin: 0; color: rgba(255,255,255,.64); }

.about {
  width: var(--page); margin: 0 auto; padding: 130px 0;
  display: grid; grid-template-columns: .88fr 1.12fr; gap: 9vw; align-items: center;
}
.about-photo { position: relative; aspect-ratio: .82; overflow: hidden; background: var(--aqua); }
.about-photo::before {
  content: ""; position: absolute; z-index: 2; right: -2px; bottom: -2px; width: 42%; height: 34%;
  border: 2px solid var(--red); border-right: 0; border-bottom: 0; border-radius: 100% 0 0;
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% center; }
.about-copy > p:not(.section-kicker) { color: var(--muted); line-height: 1.75; font-size: 16px; }
.about-copy h2 { margin-bottom: 27px; }
.original-logo-panel {
  display: grid; grid-template-columns: 132px 1fr; gap: 22px; align-items: center;
  margin: 28px 0 8px; padding: 16px; background: var(--white); border: 1px solid rgba(6,58,107,.12);
  box-shadow: 0 14px 36px rgba(6,58,107,.07);
}
.original-logo-panel img { width: 132px; height: 132px; object-fit: cover; }
.original-logo-panel p { margin: 0 !important; color: var(--muted); font-size: 13px !important; line-height: 1.55 !important; }
.original-logo-panel strong { color: var(--navy); font-size: 15px; }
.values { display: flex; gap: 0; margin-top: 32px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.values span { flex: 1; padding: 18px 8px; font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.values span + span { border-left: 1px solid var(--line); text-align: center; }

.faq {
  width: var(--page); margin: 0 auto; padding: 115px 0 130px;
  display: grid; grid-template-columns: .75fr 1.25fr; gap: 10vw;
  border-top: 1px solid var(--line);
}
.accordion { border-top: 1px solid var(--line); }
details { border-bottom: 1px solid var(--line); }
summary {
  min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 20px;
  cursor: pointer; list-style: none; font-weight: 600; font-size: 17px;
}
summary::-webkit-details-marker { display: none; }
summary span { font-size: 25px; font-weight: 400; transition: transform .25s; }
details[open] summary span { transform: rotate(45deg); }
details p { max-width: 600px; margin: -5px 45px 25px 0; color: var(--muted); line-height: 1.7; }

.contact {
  display: grid; grid-template-columns: 1fr 1fr; gap: 8vw;
  padding: 120px max(24px, calc((100vw - 1180px) / 2)); background: var(--navy-deep); color: var(--white);
}
.contact-copy > img { margin-bottom: 33px; }
.contact .section-kicker { color: #ff858a; }
.contact-copy > p:not(.section-kicker) { max-width: 480px; color: rgba(255,255,255,.64); line-height: 1.7; }
address { display: grid; gap: 9px; margin-top: 38px; font-style: normal; color: rgba(255,255,255,.75); }
address a { width: fit-content; text-decoration: none; }
address a:first-child { font: 600 23px/1.2 "Manrope", "Segoe UI", sans-serif; color: var(--white); }
.contact-form { padding-top: 8px; }
.field { display: grid; gap: 8px; margin-bottom: 20px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
label { font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--sky); }
input, select, textarea {
  width: 100%; border: 0; border-bottom: 1px solid rgba(255,255,255,.3); border-radius: 0;
  padding: 11px 0 13px; background: transparent; color: var(--white); outline: 0;
}
input:focus, select:focus, textarea:focus { border-bottom-color: #ff7379; }
input::placeholder, textarea::placeholder { color: rgba(255,255,255,.43); }
select { color-scheme: dark; }
textarea { resize: vertical; }
.contact-form .button { width: 100%; margin-top: 11px; }
.form-note { margin: 12px 0 0; color: rgba(255,255,255,.48); font-size: 11px; line-height: 1.5; }

.site-footer {
  min-height: 118px; padding: 20px max(24px, calc((100vw - 1180px) / 2));
  display: flex; align-items: center; gap: 28px; background: #031f28; color: rgba(255,255,255,.55); font-size: 11px;
}
.footer-brand { display: flex; align-items: center; gap: 10px; color: var(--white); font-size: 14px; }
.footer-logo .logo-crop { width: 116px; height: 60px; }
.footer-logo .logo-crop img { width: 116px; height: 116px; }
.site-footer .disclaimer { max-width: 430px; line-height: 1.5; }
.site-footer p:last-child { margin-left: auto; }
.floating-call { display: none; }

.reveal { opacity: 0; transform: translateY(24px); transition: opacity .65s ease, transform .65s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

@media (max-width: 900px) {
  :root { --page: min(100% - 36px, 680px); --header-h: 82px; }
  .site-header { padding: 0 18px; }
  .menu-toggle {
    display: grid; place-content: center; gap: 6px; width: 44px; height: 44px;
    padding: 0; border: 0; background: transparent;
  }
  .menu-toggle span:not(.sr-only) { display: block; width: 23px; height: 1px; background: var(--navy); transition: transform .25s; }
  .menu-toggle[aria-expanded="true"] span:nth-child(2) { transform: translateY(3.5px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-3.5px) rotate(-45deg); }
  .main-nav {
    position: fixed; inset: var(--header-h) 0 0; padding: 45px 24px;
    display: flex; flex-direction: column; align-items: stretch; gap: 0;
    background: var(--navy-deep); color: var(--white); transform: translateX(100%); transition: transform .3s ease;
  }
  .main-nav.is-open { transform: none; }
  .main-nav a { padding: 18px 0; border-bottom: 1px solid rgba(255,255,255,.13); font: 500 25px/1.2 "Manrope", "Segoe UI", sans-serif; }
  .main-nav .nav-cta { margin-top: 25px; text-align: center; border: 1px solid #ff7379; border-radius: 2px; font-size: 16px; }
  .logo-crop { width: 126px; height: 65px; }
  .logo-crop img { width: 126px; height: 126px; }
  .hero { min-height: 760px; height: 100svh; max-height: none; }
  .hero-copy {
    width: calc(100% - 36px); justify-content: flex-start; padding: 116px 0 0; height: auto;
  }
  .hero h1 { font-size: clamp(42px, 11vw, 61px); max-width: 680px; }
  .hero-intro { max-width: 550px; font-size: 16px; }
  .hero-actions { margin-top: 25px; }
  .hero-note { display: none; }
  .hero-portrait { top: auto; bottom: 0; width: 100%; height: 39%; }
  .hero-portrait::after { background: linear-gradient(180deg, var(--navy) 0, transparent 35%), linear-gradient(0deg, rgba(4,42,54,.25), transparent 40%); }
  .hero-portrait img { object-position: 50% 39%; }
  .hero-line { display: none; }
  .portrait-caption { bottom: 10%; }
  .promise { padding: 84px 0; }
  .promise-grid, .process, .about, .faq, .contact { grid-template-columns: 1fr; }
  .promise-grid { gap: 35px; }
  .services { padding: 84px 18px; }
  .section-heading { display: block; margin-bottom: 48px; }
  .section-heading h2 { text-align: left; }
  .process { gap: 55px; padding: 90px 18px; }
  .coverage-band { grid-template-columns: 1fr; gap: 45px; padding: 78px 0; }
  .process-intro { position: static; }
  .about { gap: 60px; padding: 90px 0; }
  .about-photo { max-height: 620px; }
  .faq { gap: 50px; padding: 85px 0 100px; }
  .contact { gap: 65px; padding: 90px 18px; }
}

@media (max-width: 560px) {
  .brand-copy strong { font-size: 16px; }
  .hero { min-height: 730px; }
  .hero-copy { padding-top: 102px; }
  .hero h1 { font-size: 41px; }
  .hero h1 em { display: inline; white-space: normal; }
  .hero-intro { margin-top: 17px; line-height: 1.5; }
  .hero-actions { align-items: stretch; gap: 15px; }
  .hero-actions .button { min-height: 48px; padding: 0 16px; }
  .hero-actions .text-link { font-size: 13px; }
  .icon-circle { display: none; }
  .hero-portrait { height: 35%; }
  .hero-portrait img { object-position: 50% 38%; }
  .portrait-caption strong { font-size: 31px; }
  .promise h2, .section-heading h2, .process h2, .about h2, .faq h2, .contact h2 { font-size: 36px; }
  .service { grid-template-columns: 43px 58px 1fr; gap: 12px; padding: 28px 0; }
  .service-icon { width: 52px; height: 52px; }
  .service-icon svg { width: 29px; height: 29px; }
  .service h3 { font-size: 20px; }
  .service p { font-size: 13px; line-height: 1.5; }
  .about-photo { max-height: 500px; }
  .values { flex-wrap: wrap; }
  .values span { flex-basis: 33.333%; font-size: 9px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .site-footer { padding-bottom: 90px; flex-direction: column; align-items: flex-start; gap: 5px; }
  .site-footer p { margin: 0; }
  .site-footer p:last-child { margin-left: 0; }
  .floating-call {
    position: fixed; z-index: 15; right: 15px; bottom: 15px; min-height: 48px;
    display: inline-flex; align-items: center; gap: 9px; padding: 0 19px;
    border-radius: 50px; background: var(--red); color: var(--white);
    box-shadow: 0 10px 30px rgba(0,0,0,.22); text-decoration: none; font-weight: 700; font-size: 14px;
  }
}

/* Refined insurance-system styling */
.scroll-progress {
  position: fixed; z-index: 100; top: 0; left: 0; right: 0; height: 3px;
  pointer-events: none;
}
.scroll-progress span {
  display: block; width: 100%; height: 100%; background: var(--gold);
  transform: scaleX(0); transform-origin: left center; will-change: transform;
}
.utility-bar { height: 34px; background: var(--navy-deep); color: rgba(255,255,255,.8); font-size: 11px; }
.utility-bar > div {
  width: var(--page); height: 100%; margin: auto; display: flex; align-items: center; gap: 18px;
}
.utility-bar a { text-decoration: none; transition: color .2s ease; }
.utility-bar a:hover { color: var(--gold-light); }
.utility-separator { width: 1px; height: 12px; background: rgba(255,255,255,.28); }
.utility-phone { margin-left: auto; color: var(--white); font-weight: 700; letter-spacing: .02em; }

.site-header {
  position: sticky; top: 0; box-shadow: none; border-bottom-color: rgba(6,59,115,.1);
  transition: height .25s ease, box-shadow .25s ease, background .25s ease;
}
.site-header.is-scrolled {
  height: 76px; background: rgba(255,255,255,.985); box-shadow: 0 10px 28px rgba(3,41,77,.1);
}
.site-header.is-scrolled .logo-crop { width: 138px; height: 68px; }
.site-header.is-scrolled .logo-crop img { width: 138px; height: 138px; }
.main-nav a { position: relative; }
.main-nav a:not(.nav-cta)::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -8px; height: 2px;
  background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .22s ease;
}
.main-nav a:not(.nav-cta):hover::after { transform: scaleX(1); }

.hero {
  min-height: 650px; height: calc(100svh - var(--header-h) - 34px); max-height: 830px;
  background: var(--navy);
}
.hero-copy { padding-top: 0; }
.hero h1 {
  max-width: 620px; font-size: clamp(44px, 4.25vw, 62px); line-height: 1.02; letter-spacing: -.045em;
}
.hero-intro { max-width: 500px; margin-top: 24px; font-size: 17px; line-height: 1.62; }
.button { position: relative; overflow: hidden; }
.button::after {
  content: ""; position: absolute; top: -50%; left: -45%; width: 26%; height: 200%;
  background: rgba(255,255,255,.24); transform: rotate(18deg) translateX(-180%);
  transition: transform .55s ease;
}
.button:hover::after { transform: rotate(18deg) translateX(600%); }
.button-gold { background: var(--gold); color: var(--navy-deep); }
.button-gold:hover { background: #e0b84d; }
.hero-note span { color: var(--gold); }
.hero-portrait img {
  height: calc(100% + 28px); transform: translateY(calc(var(--portrait-shift, 0px) * -1)) scale(1.018);
  animation: portraitSettle 1.15s cubic-bezier(.2,.7,.2,1) both; will-change: transform;
}
@keyframes portraitSettle {
  from { opacity: .65; transform: translateY(10px) scale(1.06); }
}
.hero-line {
  border-color: rgba(212,166,55,.8);
  animation: lineDraw 1.15s .3s cubic-bezier(.4,0,.2,1) both;
}
@keyframes lineDraw {
  from { clip-path: inset(0 0 100% 0); }
  to { clip-path: inset(0); }
}

.assurance-ribbon {
  width: var(--page); margin: 0 auto; display: grid; grid-template-columns: repeat(3, 1fr);
  border-bottom: 1px solid var(--line); background: var(--white);
}
.assurance-ribbon > div {
  min-height: 112px; display: flex; align-items: center; gap: 16px; padding: 20px 34px;
}
.assurance-ribbon > div + div { border-left: 1px solid var(--line); }
.assurance-icon {
  flex: 0 0 40px; width: 40px; height: 40px; display: grid; place-items: center;
  border-radius: 50%; background: var(--blue-soft); color: var(--navy); font-weight: 800; font-size: 19px;
  transition: transform .25s ease, background .25s ease;
}
.assurance-ribbon > div:hover .assurance-icon { transform: translateY(-3px); background: #d5eaf8; }
.assurance-ribbon p { display: grid; gap: 5px; margin: 0; }
.assurance-ribbon strong { color: var(--navy); font-size: 15px; }
.assurance-ribbon small { color: var(--muted); font-size: 12px; }

.promise { padding: 105px 0 100px; }
.promise h2, .section-heading h2, .process h2, .about h2, .faq h2, .contact h2 {
  font-size: clamp(32px, 3.55vw, 52px); line-height: 1.1; letter-spacing: -.04em;
}
.services { padding-top: 96px; padding-bottom: 96px; }
.care-path::after {
  content: ""; position: absolute; z-index: 1; top: -1px; left: 0; width: 100%; height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--blue));
  transform: scaleX(0); transform-origin: left; transition: transform 1s cubic-bezier(.2,.7,.2,1);
}
.care-path.is-drawn::after { transform: scaleX(1); }
.service { transition: transform .24s ease, background .24s ease; }
.service:hover { transform: translateX(8px); }
.service-icon { transition: background .24s ease, transform .24s ease; }
.service-icon svg { transition: stroke .24s ease; }
.service:hover .service-icon { background: var(--navy); transform: scale(1.04); }
.service:hover .service-icon svg { stroke: var(--white); }

.process .section-kicker, .contact .section-kicker { color: var(--gold-light); }
.process-steps li > span {
  border-color: var(--gold); color: var(--gold-light);
  transition: background .25s ease, color .25s ease, transform .25s ease;
}
.process-steps li:hover > span { background: var(--gold); color: var(--navy-deep); transform: scale(1.07); }
.about-photo::before { border-color: var(--gold); }
.original-logo-panel { transition: transform .25s ease, box-shadow .25s ease; }
.original-logo-panel:hover { transform: translateY(-3px); box-shadow: 0 18px 42px rgba(6,58,107,.11); }
input:focus, select:focus, textarea:focus { border-bottom-color: var(--gold); }
.site-footer { background: #031f3b; }

.reveal {
  transform: translateY(22px);
  transition: opacity .68s ease, transform .68s cubic-bezier(.2,.7,.2,1);
}
.service.reveal:nth-child(2) { transition-delay: .07s; }
.service.reveal:nth-child(3) { transition-delay: .14s; }
.service.reveal:nth-child(4) { transition-delay: .21s; }

@media (max-width: 900px) {
  .utility-bar { display: none; }
  .hero { min-height: 720px; height: calc(100svh - var(--header-h)); }
  .hero-copy { padding-top: 38px; }
  .assurance-ribbon { width: 100%; grid-template-columns: 1fr; padding: 8px 18px; }
  .assurance-ribbon > div { min-height: 82px; padding: 14px 0; }
  .assurance-ribbon > div + div { border-left: 0; border-top: 1px solid var(--line); }
  .main-nav a:not(.nav-cta)::after { display: none; }
}

@media (max-width: 560px) {
  .hero { min-height: 720px; }
  .hero-copy { padding-top: 28px; }
  .floating-call { background: var(--gold); color: var(--navy-deep); }
}

/* Friendly healthcare direction */
.logo-crop {
  width: 165px; height: 82px; background: transparent;
}
.logo-crop img {
  width: 132px; height: 132px; margin-inline: auto; object-fit: contain; object-position: top center;
}
.site-header.is-scrolled .logo-crop { width: 150px; height: 70px; }
.site-header.is-scrolled .logo-crop img { width: 120px; height: 120px; }

.hero {
  color: var(--ink);
  background:
    radial-gradient(circle at 73% 22%, rgba(75,155,211,.16) 0 13%, transparent 13.3%),
    linear-gradient(118deg, #f3f9fd 0%, #edf7fc 52%, #dceefa 100%);
}
.hero::before {
  content: ""; position: absolute; z-index: 0; left: -8%; bottom: -34%; width: 44vw; height: 44vw;
  border: 1px solid rgba(75,155,211,.19); border-radius: 50%; pointer-events: none;
  animation: careFloat 9s ease-in-out infinite;
}
@keyframes careFloat {
  0%, 100% { transform: translate3d(0,0,0) scale(1); }
  50% { transform: translate3d(16px,-13px,0) scale(1.03); }
}
.hero-copy { padding-right: 49%; }
.eyebrow { color: #846313; }
.hero h1 { max-width: 610px; color: var(--navy-deep); font-size: clamp(44px, 4.1vw, 60px); }
.hero h1 em { color: var(--blue); }
.hero-intro { color: var(--muted); }
.text-link.light { color: var(--navy); }
.icon-circle { border-color: rgba(6,59,115,.28); background: rgba(255,255,255,.55); }
.hero-note { color: #587080; }
.hero-note span { color: var(--gold); }
.hero-portrait {
  top: 42px; right: max(28px, calc((100vw - 1180px) / 2)); bottom: 42px; width: min(42%, 570px); height: auto;
  border-radius: 48% 48% 28px 28px; background: #d9eaf4; box-shadow: 0 24px 65px rgba(6,59,115,.15);
  animation: portraitFloat 7s 1.1s ease-in-out infinite;
}
@keyframes portraitFloat {
  0%, 100% { translate: 0 0; }
  50% { translate: 0 -7px; }
}
.hero-portrait::after {
  background: linear-gradient(0deg, rgba(4,45,87,.32), transparent 32%);
}
.hero-portrait img {
  height: calc(100% + 24px); object-position: 50% 44%;
}
.portrait-caption {
  right: 24px; bottom: 22px; padding: 10px 14px; border-radius: 12px;
  background: rgba(255,255,255,.88); color: var(--navy); text-align: left;
  box-shadow: 0 7px 25px rgba(4,45,87,.12); backdrop-filter: blur(8px);
}
.portrait-caption strong { font-size: 27px; }
.hero-line {
  z-index: 0; top: 7%; left: auto; right: 4%; width: 210px; height: 210px;
  border: 2px solid rgba(212,166,55,.5); border-radius: 50%;
}

.assurance-ribbon {
  position: relative; z-index: 5; margin-top: -34px; border: 1px solid rgba(6,59,115,.1);
  border-radius: 20px; box-shadow: 0 18px 50px rgba(6,59,115,.11); overflow: hidden;
}
.assurance-ribbon > div {
  animation: assuranceIn .55s cubic-bezier(.2,.7,.2,1) both;
}
.assurance-ribbon > div:nth-child(2) { animation-delay: .1s; }
.assurance-ribbon > div:nth-child(3) { animation-delay: .2s; }
@keyframes assuranceIn {
  from { opacity: 0; transform: translateY(16px); }
}

.promise { padding-top: 115px; }
.section-kicker { color: #8b6816; }
.services { background: #edf6fb; }
.section-heading { display: block; max-width: 720px; margin-bottom: 52px; }
.section-heading h2 { max-width: 700px; text-align: left; }
.care-path {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px;
  border-top: 0;
}
.care-path::before, .care-path::after { display: none; }
.service {
  position: relative; min-height: 184px; padding: 30px; display: grid;
  grid-template-columns: 64px minmax(0, 1fr); gap: 20px; align-items: start;
  border: 1px solid rgba(6,59,115,.1); border-radius: 18px; background: rgba(255,255,255,.9);
  box-shadow: 0 8px 30px rgba(6,59,115,.055);
  transition: transform .3s cubic-bezier(.2,.7,.2,1), box-shadow .3s ease, border-color .3s ease;
}
.service:hover {
  transform: translateY(-7px); border-color: rgba(75,155,211,.38); box-shadow: 0 18px 42px rgba(6,59,115,.12);
}
.service-number {
  position: absolute; top: 25px; right: 25px; color: var(--gold); letter-spacing: .12em;
}
.service-icon { grid-column: 1; width: 60px; height: 60px; box-shadow: none; background: var(--blue-soft); }
.service > div:last-child { grid-column: 2; padding: 6px 34px 0 0; }
.service h3 { color: var(--navy); font-size: 22px; }
.service p { margin-top: 11px; line-height: 1.6; }
.service:hover .service-icon { background: var(--navy); }

.coverage-band {
  width: 100%; padding: 82px max(24px, calc((100vw - 1180px) / 2));
  background: linear-gradient(120deg, var(--navy-deep), var(--navy)); color: var(--white);
}
.coverage-band h2 { color: var(--white); }
.coverage-band .section-kicker { color: var(--gold-light); }
.coverage-band ul { border-top-color: rgba(255,255,255,.35); }
.coverage-band li { border-bottom-color: rgba(255,255,255,.17); }
.coverage-band li span { color: var(--gold-light); }

.process {
  background: var(--white); color: var(--ink); padding-top: 115px; padding-bottom: 115px;
}
.process .section-kicker { color: #8b6816; }
.process-intro > p:last-child, .process-steps p { color: var(--muted); }
.process-steps { border-top-color: var(--line); }
.process-steps li { min-height: 150px; border-bottom-color: var(--line); }
.process-steps li > span { border-color: var(--blue); color: var(--navy); background: var(--blue-soft); }
.process-steps li.is-visible > span { animation: numberPop .52s cubic-bezier(.2,.8,.2,1) both; }
@keyframes numberPop {
  0% { transform: scale(.72); opacity: .25; }
  65% { transform: scale(1.1); }
}
.process-steps li:hover > span { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.process-steps h3 { color: var(--navy); }

.about { padding-top: 110px; padding-bottom: 110px; }
.about-photo { border-radius: 28px; box-shadow: 0 22px 55px rgba(6,59,115,.12); }
.about-photo::before { border-width: 3px; }
.original-logo-panel { border-radius: 16px; background: #f5faff; }
.original-logo-panel img { object-fit: contain; }

details { transition: background .2s ease, padding .2s ease; }
details:hover { background: rgba(231,243,251,.6); padding-inline: 14px; }
.contact { background: linear-gradient(130deg, var(--navy-deep), #073f79); }
.contact-logo {
  width: 170px; height: 170px; object-fit: contain; margin: -42px 0 18px 0 !important;
  padding: 10px; border-radius: 18px; background: rgba(255,255,255,.96);
  box-shadow: 0 14px 34px rgba(0,0,0,.15);
}
.footer-logo .logo-crop { background: var(--white); border-radius: 10px; }

@media (max-width: 900px) {
  .logo-crop { width: 146px; height: 76px; }
  .logo-crop img { width: 124px; height: 124px; }
  .site-header.is-scrolled .logo-crop { width: 136px; height: 66px; }
  .site-header.is-scrolled .logo-crop img { width: 112px; height: 112px; }
  .hero { min-height: 730px; color: var(--ink); }
  .hero-copy { padding: 30px 0 0; }
  .hero-portrait {
    left: 18px; right: 18px; top: auto; bottom: 18px; width: auto; height: 39%;
    border-radius: 150px 150px 24px 24px;
  }
  .hero-portrait::after { background: linear-gradient(0deg, rgba(4,45,87,.3), transparent 34%); }
  .hero-portrait img { object-position: 50% 38%; }
  .portrait-caption { right: 17px; bottom: 15px; }
  .hero-line { display: block; right: -58px; top: 4%; width: 170px; height: 170px; }
  .assurance-ribbon { width: calc(100% - 36px); margin: -16px 18px 0; }
  .care-path { grid-template-columns: 1fr; }
  .coverage-band { padding-inline: 18px; }
}

@media (max-width: 560px) {
  .hero { min-height: 730px; }
  .hero-copy { padding-top: 24px; }
  .hero h1 { color: var(--navy-deep); font-size: 40px; }
  .hero h1 em { color: var(--blue); }
  .hero-intro { color: var(--muted); }
  .hero-actions .text-link { color: var(--navy); }
  .assurance-ribbon { padding: 4px 16px; border-radius: 17px; }
  .assurance-ribbon > div { min-height: 76px; }
  .service { min-height: 0; padding: 24px 20px; grid-template-columns: 54px 1fr; gap: 14px; }
  .service-number { top: 20px; right: 18px; }
  .service-icon { width: 52px; height: 52px; }
  .service > div:last-child { padding: 3px 18px 0 0; }
  .service h3 { font-size: 19px; }
  .coverage-band { padding-block: 68px; }
  .contact-logo { width: 140px; height: 140px; margin-top: -34px !important; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}