*,*::before,*::after{
    box-sizing:border-box;
    margin:0;
    padding:0
}
:root{
    --navy:#1a2e52;
    --navy2:#142444;
    --blue:#1e7bbf;
    --sky:#3aaee0;
    --green:#4caf50;
    --leaf:#76c442;
    --white:#ffffff;
    --off:#f4f8fc;
    --slate:#e8f0f8;
    --muted:#5a7094;
    --gold:#c9a84c;
}
html{
    scroll-behavior:smooth
}
body{
    font-family:'Inter',sans-serif;
    color:var(--navy);
    background:var(--white);
    overflow-x:hidden
}

/* ═══ NAV ═══ */
nav{
    position:fixed;
    top:0;
    left:0;
    right:0;
    z-index:200;
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:0 56px;
    height:72px;
    background:rgba(255,255,255,0.97);
    backdrop-filter:blur(12px);
    border-bottom:1px solid rgba(30,123,191,0.1);
    box-shadow:0 1px 24px rgba(26,46,82,0.06);
}
.nav-logo{
    display:flex;
    align-items:center;
    text-decoration:none
}
.nav-logo img{
    height:48px;
    width:auto
}
.nav-links{
    display:flex;
    gap:36px;
    list-style:none
}
.nav-links a{
    text-decoration:none;
    font-size:13.5px;
    font-weight:500;
    color:var(--muted);
    letter-spacing:0.2px;
    transition:color .2s;
    padding:4px 0;
    border-bottom:2px solid transparent;
    transition:all .2s;
}
.nav-links a:hover{
    color:var(--blue);
    border-bottom-color:var(--blue)
}
.nav-cta{
    background:var(--navy);
    color:white;
    border:none;
    border-radius:8px;
    padding:11px 26px;
    font-size:13.5px;
    font-weight:600;
    cursor:pointer;
    text-decoration:none;
    letter-spacing:0.2px;
    transition:background .2s,transform .2s,box-shadow .2s;
}
.nav-cta:hover{
    background:var(--blue);
    transform:translateY(-1px);
    box-shadow:0 6px 20px rgba(30,123,191,.35)
}
@media(max-width:768px){
    nav{
        padding:0 20px;
        height:64px
    }
    .nav-links{
        display:none
    }
}

/* ═══ HERO ═══ */
.hero{
    min-height:100vh;
    background:linear-gradient(150deg,var(--navy2) 0%,#1b3460 40%,#1a5c96 75%,#1e7bbf 100%);
    display:grid;
    grid-template-columns:1fr 1fr;
    align-items:center;
    gap:0;
    padding:100px 56px 72px;
    position:relative;
    overflow:hidden;
}
/* Geometric accent lines — brand motif */
.hero-bg{
    position:absolute;
    inset:0;
    pointer-events:none;
    overflow:hidden;
}
.hero-bg svg{
    position:absolute;
    inset:0;
    width:100%;
    height:100%
}
.hero-left{
    position:relative;
    z-index:2
}
.hero-right{
    position:relative;
    z-index:2;
    display:flex;
    justify-content:flex-end
}

.hero-eyebrow{
    display:inline-flex;
    align-items:center;
    gap:8px;
    background:rgba(118,196,66,.15);
    border:1px solid rgba(118,196,66,.35);
    border-radius:100px;
    padding:6px 18px;
    margin-bottom:32px;
    color:#a8e063;
    font-size:11px;
    font-weight:700;
    letter-spacing:1.5px;
    text-transform:uppercase;
}
.hero-eyebrow::before{
    content:'●';
    font-size:7px;
    color:var(--leaf)
}

.hero h1{
    font-family:'Cormorant Garamond',serif;
    font-size:clamp(44px,5.5vw,80px);
    font-weight:700;
    color:white;
    line-height:1.05;
    margin-bottom:24px;
    letter-spacing:-0.5px;
}
.hero h1 em{
    font-style:italic;
    background:linear-gradient(90deg,var(--sky),var(--leaf));
    -webkit-background-clip:text;
    -webkit-text-fill-color:transparent;
    background-clip:text;
}

.hero-sub{
    font-size:17px;
    line-height:1.75;
    color:rgba(255,255,255,.65);
    max-width:480px;
    margin-bottom:44px;
}

.hero-btns{
    display:flex;
    gap:14px;
    flex-wrap:wrap
}
.btn-green{
    background:linear-gradient(135deg,var(--leaf),var(--green));
    color:white;
    border:none;
    border-radius:10px;
    padding:15px 34px;
    font-size:15px;
    font-weight:700;
    cursor:pointer;
    text-decoration:none;
    display:inline-block;
    transition:transform .2s,box-shadow .2s;
    letter-spacing:0.1px;
}
.btn-green:hover{
    transform:translateY(-2px);
    box-shadow:0 10px 32px rgba(76,175,80,.4)
}
.btn-ghost{
    background:transparent;
    color:white;
    border:1.5px solid rgba(255,255,255,.3);
    border-radius:10px;
    padding:15px 34px;
    font-size:15px;
    font-weight:500;
    cursor:pointer;
    text-decoration:none;
    display:inline-block;
    transition:all .2s;
}
.btn-ghost:hover{
    background:rgba(255,255,255,.1);
    border-color:rgba(255,255,255,.6)
}

.hero-stats{
    display:flex;
    gap:40px;
    margin-top:56px;
    padding-top:40px;
    border-top:1px solid rgba(255,255,255,.12);
}
.hero-stat-n{
    font-family:'Cormorant Garamond',serif;
    font-size:42px;
    font-weight:700;
    color:white;
    line-height:1;
}
.hero-stat-l{
    font-size:12px;
    color:rgba(255,255,255,.45);
    margin-top:5px;
    letter-spacing:.3px
}

/* Hero card */
.hero-card{
    background:rgba(255,255,255,.07);
    border:1px solid rgba(255,255,255,.12);
    border-radius:24px;
    padding:40px 36px;
    backdrop-filter:blur(10px);
    max-width:380px;
    width:100%;
}
.hero-card-title{
    font-family:'Cormorant Garamond',serif;
    font-size:22px;
    font-weight:700;
    color:white;
    margin-bottom:24px;
    border-bottom:1px solid rgba(255,255,255,.1);
    padding-bottom:16px;
}
.hero-service-list{
    list-style:none;
    display:flex;
    flex-direction:column;
    gap:14px
}
.hero-service-list li{
    display:flex;
    align-items:center;
    gap:12px;
    font-size:13.5px;
    color:rgba(255,255,255,.75);
    cursor:pointer;
    transition:color .2s;
}
.hero-service-list li:hover{
    color:white
}
.hero-service-list li .dot{
    width:28px;
    height:28px;
    border-radius:8px;
    flex-shrink:0;
    background:linear-gradient(135deg,rgba(30,123,191,.4),rgba(58,174,224,.3));
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:13px;
}
.hero-service-list li a{
    color:inherit;
    text-decoration:none
}

@media(max-width:900px){
    .hero{
        grid-template-columns:1fr;
        padding:100px 20px 60px
    }
    .hero-right{
        justify-content:flex-start;
        margin-top:40px
    }
    .hero-card{
        max-width:100%
    }
    .hero-stats{
        gap:24px;
        flex-wrap:wrap
    }
}

/* ═══ TRUST BAR ═══ */
.trust{
    background:var(--navy);
    padding:20px 56px;
    display:flex;
    align-items:center;
    justify-content:center;
    gap:0;
    flex-wrap:wrap;
}
.trust-item{
    display:flex;
    align-items:center;
    gap:10px;
    font-size:12.5px;
    font-weight:500;
    color:rgba(255,255,255,.6);
    padding:8px 36px;
    border-right:1px solid rgba(255,255,255,.1);
}
.trust-item:last-child{
    border-right:none
}
.trust-item span{
    font-size:17px
}
@media(max-width:768px){
    .trust{
        padding:16px 20px;
        gap:12px
    }
    .trust-item{
        border-right:none;
        padding:6px 12px
    }
}

/* ═══ SHARED SECTION ═══ */
.section{
    padding:100px 56px
}
.section.alt{
    background:var(--off)
}
.s-label{
    font-size:10.5px;
    font-weight:700;
    letter-spacing:2.5px;
    text-transform:uppercase;
    color:var(--blue);
    margin-bottom:12px;
}
.s-title{
    font-family:'Cormorant Garamond',serif;
    font-size:clamp(30px,4vw,52px);
    font-weight:700;
    color:var(--navy);
    line-height:1.12;
    margin-bottom:16px;
}
.s-sub{
    font-size:16px;
    color:var(--muted);
    line-height:1.75;
    max-width:560px
}
.center{
    text-align:center
}
.center .s-sub{
    margin:0 auto
}
@media(max-width:768px){
    .section{
        padding:72px 20px
    }
}

/* ═══ SERVICES GRID ═══ */
.svc-header{
    margin-bottom:60px
}
.svc-grid{
    display:grid;
    grid-template-columns:repeat(auto-fill,minmax(290px,1fr));
    gap:22px;
    max-width:1200px;
    margin:0 auto;
}
.svc-card{
    background:white;
    border-radius:18px;
    padding:36px 30px;
    border:1.5px solid var(--slate);
    transition:transform .25s,box-shadow .25s,border-color .25s;
    position:relative;
    overflow:hidden;
}
.svc-card::before{
    content:'';
    position:absolute;
    top:0;
    left:0;
    right:0;
    height:3px;
    background:linear-gradient(90deg,var(--blue),var(--sky));
    transform:scaleX(0);
    transform-origin:left;
    transition:transform .3s;
}
.svc-card:hover{
    transform:translateY(-5px);
    box-shadow:0 20px 48px rgba(26,46,82,.11);
    border-color:rgba(30,123,191,.25);
}
.svc-card:hover::before{
    transform:scaleX(1)
}
.svc-card.featured{
    background:linear-gradient(135deg,var(--navy),#1e4a80);
    border-color:transparent;
}
.svc-card.featured::before{
    background:linear-gradient(90deg,var(--leaf),var(--sky));
    transform:scaleX(1)
}
.svc-card.featured .svc-title{
    color:white
}
.svc-card.featured .svc-desc{
    color:rgba(255,255,255,.65)
}
.svc-card.featured .svc-icon{
    background:rgba(255,255,255,.1)
}
.svc-card.featured .tag{
    background:rgba(255,255,255,.12);
    color:rgba(255,255,255,.8)
}
.svc-card.featured .svc-link{
    color:var(--leaf)
}

.svc-icon{
    width:50px;
    height:50px;
    border-radius:12px;
    background:var(--slate);
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:22px;
    margin-bottom:18px;
}
.svc-title{
    font-family:'Cormorant Garamond',serif;
    font-size:20px;
    font-weight:700;
    color:var(--navy);
    margin-bottom:10px;
}
.svc-desc{
    font-size:13.5px;
    color:var(--muted);
    line-height:1.7;
    margin-bottom:18px
}
.tags{
    display:flex;
    flex-wrap:wrap;
    gap:6px;
    margin-bottom:18px
}
.tag{
    background:var(--slate);
    border-radius:100px;
    padding:4px 12px;
    font-size:11px;
    font-weight:600;
    color:var(--blue);
    letter-spacing:.1px;
}
.svc-link{
    font-size:13px;
    font-weight:700;
    color:var(--blue);
    text-decoration:none;
    display:inline-flex;
    align-items:center;
    gap:6px;
    transition:gap .2s;
}
.svc-link:hover{
    gap:12px
}

/* ═══ INSURANCE TABS ═══ */
.ins-section{
    background:white
}
.ins-tabs-wrap{
    display:flex;
    flex-wrap:wrap;
    gap:10px;
    justify-content:center;
    margin-bottom:52px;
}
.ins-tab{
    background:var(--slate);
    border:1.5px solid transparent;
    border-radius:100px;
    padding:11px 22px;
    font-size:13.5px;
    font-weight:600;
    color:var(--muted);
    cursor:pointer;
    transition:all .2s;
    font-family:'Inter',sans-serif;
}
.ins-tab:hover{
    background:white;
    border-color:var(--blue);
    color:var(--blue)
}
.ins-tab.active{
    background:var(--navy);
    color:white;
    border-color:var(--navy)
}

.ins-panel{
    display:none
}
.ins-panel.active{
    display:block
}

.ins-layout{
    display:grid;
    grid-template-columns:1fr 360px;
    gap:52px;
    max-width:1160px;
    margin:0 auto;
    align-items:start;
}
.ins-eyebrow{
    font-size:10.5px;
    font-weight:700;
    letter-spacing:2.5px;
    text-transform:uppercase;
    color:var(--blue);
    margin-bottom:12px;
}
.ins-h{
    font-family:'Cormorant Garamond',serif;
    font-size:clamp(28px,3.5vw,46px);
    font-weight:700;
    color:var(--navy);
    line-height:1.1;
    margin-bottom:20px;
}
.ins-p{
    font-size:14.5px;
    color:var(--muted);
    line-height:1.8;
    margin-bottom:14px
}
.ins-p strong{
    color:var(--navy)
}
.ins-feats{
    margin:24px 0;
    display:flex;
    flex-direction:column;
    gap:13px
}
.ins-feat{
    display:flex;
    gap:13px;
    align-items:flex-start;
    font-size:13.5px;
    color:var(--muted);
    line-height:1.6
}
.ins-feat strong{
    color:var(--navy)
}
.chk{
    color:var(--green);
    font-weight:900;
    font-size:15px;
    flex-shrink:0;
    margin-top:2px
}

.ins-sidebar{
    display:flex;
    flex-direction:column;
    gap:18px
}
.sidebar-card{
    background:var(--off);
    border-radius:16px;
    padding:22px 24px;
    border:1px solid var(--slate);
}
.sidebar-card-title{
    font-size:12px;
    font-weight:700;
    color:var(--navy);
    margin-bottom:14px;
    letter-spacing:.3px;
    text-transform:uppercase;
}
.sidebar-card ul{
    list-style:none;
    display:flex;
    flex-direction:column;
    gap:9px
}
.sidebar-card ul li{
    font-size:13px;
    color:var(--muted);
    padding-left:16px;
    position:relative;
    line-height:1.5;
}
.sidebar-card ul li::before{
    content:'→';
    position:absolute;
    left:0;
    color:var(--blue);
    font-weight:700;
    font-size:11px;
    top:2px;
}

.stat-card{
    background:var(--navy);
    border-radius:16px;
    padding:22px 24px;
}
.stat-row{
    display:flex;
    justify-content:space-between;
    align-items:center;
    padding:9px 0;
    border-bottom:1px solid rgba(255,255,255,.07);
    font-size:12.5px;
}
.stat-row:last-child{
    border-bottom:none
}
.stat-l{
    color:rgba(255,255,255,.45)
}
.stat-v{
    font-weight:700;
    color:white
}
.stat-g{
    color:#76e060!important
}
.stat-r{
    color:#f4866a!important
}

.scenario-card{
    background:linear-gradient(135deg,#f0f8ff,#e4f2fc);
    border-radius:16px;
    padding:22px 24px;
    border-left:3px solid var(--blue);
}
.scenario-title{
    font-size:12px;
    font-weight:700;
    color:var(--navy);
    margin-bottom:9px;
    text-transform:uppercase;
    letter-spacing:.3px
}
.scenario-card p{
    font-size:12.5px;
    color:var(--muted);
    line-height:1.7
}

.green-card{
    background:linear-gradient(135deg,#f0fff4,#e4f8e8);
    border-left-color:var(--green)!important;
}
.green-card .scenario-title{
    color:var(--green)
}

/* Estate components grid */
.estate-comps{
    max-width:1160px;
    margin:60px auto 0
}
.estate-comps-label{
    text-align:center;
    font-size:10.5px;
    font-weight:700;
    letter-spacing:2.5px;
    text-transform:uppercase;
    color:var(--blue);
    margin-bottom:36px;
}
.estate-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:18px;
}
.estate-card{
    background:var(--off);
    border:1.5px solid var(--slate);
    border-radius:16px;
    padding:28px 24px;
    transition:transform .2s,box-shadow .2s;
}
.estate-card:hover{
    transform:translateY(-3px);
    box-shadow:0 12px 30px rgba(26,46,82,.09)
}
.estate-card.featured{
    background:linear-gradient(135deg,var(--navy),#1e4a80);
    border-color:transparent;
}
.estate-card.featured h4{
    color:white
}
.estate-card.featured p{
    color:rgba(255,255,255,.6)
}
.estate-icon{
    font-size:26px;
    margin-bottom:12px
}
.estate-card h4{
    font-family:'Cormorant Garamond',serif;
    font-size:17px;
    font-weight:700;
    color:var(--navy);
    margin-bottom:8px;
}
.estate-card p{
    font-size:12.5px;
    color:var(--muted);
    line-height:1.65
}

@media(max-width:900px){
    .ins-layout{
        grid-template-columns:1fr
    }
    .estate-grid{
        grid-template-columns:1fr 1fr
    }
}
@media(max-width:600px){
    .estate-grid{
        grid-template-columns:1fr
    }
}

/* ═══ WHY S5 ═══ */
.why-layout{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:80px;
    align-items:center;
    max-width:1100px;
    margin:0 auto;
}
.why-visual{
    position:relative;
    padding-bottom:40px
}
.why-card{
    background:var(--navy);
    border-radius:22px;
    padding:48px 40px;
    color:white;
    overflow:hidden;
    position:relative;
}
.why-card::after{
    content:'';
    position:absolute;
    bottom:-50px;
    right:-50px;
    width:220px;
    height:220px;
    border-radius:50%;
    background:radial-gradient(circle,rgba(76,175,80,.18) 0%,transparent 70%);
}
.why-card-num{
    font-family:'Cormorant Garamond',serif;
    font-size:96px;
    font-weight:700;
    color:rgba(255,255,255,.05);
    line-height:1;
    position:absolute;
    top:16px;
    right:24px;
}
.why-card-title{
    font-family:'Cormorant Garamond',serif;
    font-size:30px;
    font-weight:700;
    color:white;
    margin-bottom:14px;
}
.why-card p{
    color:rgba(255,255,255,.6);
    line-height:1.75;
    font-size:14.5px
}
.why-float{
    position:absolute;
    bottom:-20px;
    right:-20px;
    background:linear-gradient(135deg,var(--leaf),var(--green));
    border-radius:16px;
    padding:22px 26px;
    box-shadow:0 14px 36px rgba(76,175,80,.45);
    max-width:200px;
}
.why-float-n{
    font-family:'Cormorant Garamond',serif;
    font-size:40px;
    font-weight:700;
    color:white;
}
.why-float p{
    font-size:12px;
    font-weight:500;
    color:rgba(255,255,255,.85);
    margin-top:4px;
    line-height:1.4
}

.why-points{
    display:flex;
    flex-direction:column;
    gap:26px
}
.why-pt{
    display:flex;
    gap:18px;
    align-items:flex-start
}
.why-icon{
    width:46px;
    height:46px;
    border-radius:12px;
    flex-shrink:0;
    background:linear-gradient(135deg,var(--blue),var(--sky));
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:20px;
}
.why-pt h4{
    font-size:15px;
    font-weight:600;
    color:var(--navy);
    margin-bottom:5px
}
.why-pt p{
    font-size:13.5px;
    color:var(--muted);
    line-height:1.65
}

@media(max-width:900px){
    .why-layout{
        grid-template-columns:1fr;
        gap:40px
    }
    .why-float{
        position:static;
        margin-top:16px;
        max-width:100%
    }
    .why-visual{
        padding-bottom:0
    }
}

/* ═══ CTA STRIP ═══ */
.cta-strip{
    background:linear-gradient(140deg,var(--navy2),#1a4070,#1a6ea8);
    padding:90px 56px;
    text-align:center;
    position:relative;
    overflow:hidden;
}
.cta-strip::before{
    content:'';
    position:absolute;
    top:-80px;
    left:50%;
    transform:translateX(-50%);
    width:500px;
    height:300px;
    border-radius:50%;
    background:radial-gradient(circle,rgba(76,175,80,.1) 0%,transparent 70%);
    pointer-events:none;
}
.cta-strip h2{
    font-family:'Cormorant Garamond',serif;
    font-size:clamp(30px,4.5vw,56px);
    font-weight:700;
    color:white;
    margin-bottom:16px;
    position:relative;
}
.cta-strip p{
    color:rgba(255,255,255,.6);
    font-size:17px;
    margin-bottom:38px;
    position:relative
}
.cta-strip .btn-green{
    padding:17px 44px;
    font-size:16px;
    position:relative
}

/* ═══ CONTACT ═══ */
.contact-layout{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:72px;
    max-width:1060px;
    margin:0 auto;
    align-items:start;
}
.contact-info h3{
    font-family:'Cormorant Garamond',serif;
    font-size:32px;
    font-weight:700;
    color:var(--navy);
    margin-bottom:14px;
}
.contact-info p{
    color:var(--muted);
    line-height:1.75;
    margin-bottom:32px;
    font-size:14.5px
}
.contact-item{
    display:flex;
    align-items:center;
    gap:14px;
    margin-bottom:16px
}
.contact-icon{
    width:42px;
    height:42px;
    border-radius:11px;
    background:var(--slate);
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:18px;
    flex-shrink:0;
}
.contact-item strong{
    display:block;
    font-size:13.5px;
    font-weight:600;
    color:var(--navy)
}
.contact-item span{
    font-size:13px;
    color:var(--muted)
}

.form-box{
    background:white;
    border-radius:22px;
    padding:40px;
    border:1.5px solid var(--slate);
    box-shadow:0 8px 40px rgba(26,46,82,.07);
}
.form-box h3{
    font-family:'Cormorant Garamond',serif;
    font-size:24px;
    font-weight:700;
    color:var(--navy);
    margin-bottom:26px;
}
.frow{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:14px
}
.fg{
    margin-bottom:14px
}
.fg label{
    display:block;
    font-size:11px;
    font-weight:700;
    color:var(--muted);
    margin-bottom:6px;
    letter-spacing:.4px;
    text-transform:uppercase
}
.fg input,.fg select,.fg textarea{
    width:100%;
    border:1.5px solid rgba(30,123,191,.15);
    border-radius:10px;
    padding:12px 14px;
    font-size:14px;
    color:var(--navy);
    font-family:'Inter',sans-serif;
    background:var(--off);
    transition:border-color .2s,background .2s;
    outline:none;
}
.fg input:focus,.fg select:focus,.fg textarea:focus{
    border-color:var(--blue);
    background:white
}
.fg textarea{
    resize:none;
    height:88px
}
.form-btn{
    width:100%;
    padding:14px;
    font-size:15px;
    font-weight:700;
    background:linear-gradient(135deg,var(--leaf),var(--green));
    color:white;
    border:none;
    border-radius:10px;
    cursor:pointer;
    transition:transform .2s,box-shadow .2s;
    letter-spacing:.2px;
}
.form-btn:hover{
    transform:translateY(-1px);
    box-shadow:0 8px 24px rgba(76,175,80,.4)
}

@media(max-width:900px){
    .contact-layout{
        grid-template-columns:1fr;
        gap:40px
    }
    .frow{
        grid-template-columns:1fr
    }
    .cta-strip{
        padding:72px 20px
    }
}

/* ═══ FOOTER ═══ */

.tax-block{
    margin-bottom:34px;
    padding-bottom:6px;
    border-bottom:1px solid var(--slate)
}
.tax-block:last-child{
    border-bottom:none
}
.tax-block-head{
    font-family:'Cormorant Garamond',serif;
    font-size:26px;
    font-weight:700;
    color:var(--navy);
    margin-bottom:10px
}
footer{
    background:var(--navy2);
    padding:52px 56px 32px
}
.foot-top{
    display:grid;
    grid-template-columns:1.4fr 1fr 1fr 1fr;
    gap:40px;
    margin-bottom:48px;
}
.foot-brand imgxxx{
    height:52px;
    filter:brightness(0) invert(1);
    opacity:.9;
    margin-bottom:14px;
    display:block
}
.foot-brand p{
    font-size:12.5px;
    color:rgba(255,255,255,.35);
    line-height:1.7;
    max-width:240px
}
.foot-col h4{
    font-size:10.5px;
    font-weight:700;
    letter-spacing:2px;
    text-transform:uppercase;
    color:rgba(255,255,255,.55);
    margin-bottom:16px;
}
.foot-col ul{
    list-style:none;
    display:flex;
    flex-direction:column;
    gap:10px
}
.foot-col ul a{
    text-decoration:none;
    font-size:13px;
    color:rgba(255,255,255,.35);
    transition:color .2s;
}
.foot-col ul a:hover{
    color:var(--sky)
}
.foot-bottom{
    border-top:1px solid rgba(255,255,255,.07);
    padding-top:24px;
    display:flex;
    justify-content:space-between;
    align-items:center;
    flex-wrap:wrap;
    gap:12px;
    font-size:12px;
    color:rgba(255,255,255,.25);
}
.foot-bottom a{
    color:rgba(255,255,255,.25);
    text-decoration:none
}
.foot-bottom a:hover{
    color:var(--sky)
}

@media(max-width:900px){
    footer{
        padding:40px 20px 24px
    }
    .foot-top{
        grid-template-columns:1fr 1fr;
        gap:28px
    }
}
@media(max-width:500px){
    .foot-top{
        grid-template-columns:1fr
    }
}

/* ═══ ESTATE QUIZ ═══ */
.estate-quiz{
    max-width:860px;
    margin:72px auto 0;
}
.quiz-inner{
    background:var(--off);
    border:1.5px solid var(--slate);
    border-radius:24px;
    padding:56px 52px;
}
.quiz-head{
    text-align:center;
    margin-bottom:40px
}
.quiz-title{
    font-family:'Cormorant Garamond',serif;
    font-size:clamp(26px,3.5vw,40px);
    font-weight:700;
    color:var(--navy);
    margin-bottom:12px;
}
.quiz-sub{
    font-size:14.5px;
    color:var(--muted);
    line-height:1.7;
    max-width:520px;
    margin:0 auto
}
.quiz-sub strong{
    color:var(--navy)
}
.quiz-list{
    display:flex;
    flex-direction:column;
    gap:0
}
.quiz-q{
    display:flex;
    gap:18px;
    align-items:flex-start;
    padding:16px 0;
    border-bottom:1px solid var(--slate);
}
.quiz-q:last-child{
    border-bottom:none
}
.quiz-n{
    width:30px;
    height:30px;
    border-radius:9px;
    flex-shrink:0;
    background:linear-gradient(135deg,var(--blue),var(--sky));
    color:white;
    font-size:13px;
    font-weight:700;
    display:flex;
    align-items:center;
    justify-content:center;
}
.quiz-q p{
    font-size:14px;
    color:var(--navy);
    line-height:1.65;
    padding-top:4px
}
.quiz-cta{
    text-align:center;
    margin-top:36px;
    padding-top:32px;
    border-top:1.5px solid var(--slate);
}
.quiz-cta p{
    font-size:16px;
    color:var(--navy);
    margin-bottom:18px
}
.quiz-cta p strong{
    color:#d84a2f
}
@media(max-width:600px){
    .quiz-inner{
        padding:36px 22px
    }
}

/* ═══ CARRIERS ═══ */
.carriers-section{
    background:white;
    padding-bottom:80px
}
.carrier-grid{
    display:grid;
    grid-template-columns:repeat(auto-fill,minmax(200px,1fr));
    gap:16px;
    max-width:1160px;
    margin:0 auto;
}
.carrier-card{
    background:var(--off);
    border:1.5px solid var(--slate);
    border-radius:14px;
    height:88px;
    display:flex;
    align-items:center;
    justify-content:center;
    padding:16px 20px;
    transition:transform .2s,box-shadow .2s,border-color .2s,background .2s;
    cursor:default;
}
.carrier-card:hover{
    transform:translateY(-3px);
    border-color:rgba(30,123,191,.3);
    background:white;
    box-shadow:0 12px 28px rgba(26,46,82,.09);
}
.carrier-name{
    font-family:'Cormorant Garamond',serif;
    font-size:19px;
    font-weight:700;
    color:var(--navy);
    text-align:center;
    letter-spacing:.2px;
    line-height:1.2;
}
.carrier-card:hover .carrier-name{
    color:var(--blue)
}
.carrier-note{
    text-align:center;
    margin-top:32px;
    font-size:11.5px;
    color:var(--muted);
    opacity:.7;
}
@media(max-width:600px){
    .carrier-grid{
        grid-template-columns:1fr 1fr
    }
    .carrier-card{
        height:72px
    }
    .carrier-name{
        font-size:16px
    }
}

.carrier-logo{
    max-width:100%;
    max-height:52px;
    object-fit:contain;
    filter:grayscale(100%);
    opacity:.75;
    transition:filter .25s,opacity .25s;
}
.carrier-card:hover .carrier-logo{
    filter:grayscale(0%);
    opacity:1
}

.carrier-image-wrap{
    max-width:1160px;
    margin:0 auto;
    background:white;
    border:1.5px solid var(--slate);
    border-radius:20px;
    padding:28px;
    box-shadow:0 8px 40px rgba(26,46,82,.06);
}
.carrier-image{
    width:100%;
    height:auto;
    display:block;
    border-radius:10px;
}
@media(max-width:600px){
    .carrier-image-wrap{
        padding:14px;
        border-radius:14px
    }
}