:root {
  --navy: #122A42;
  --navy-deep: #0C1D30;
  --gold: #C9972F;
  --gold-deep: #A97D22;
  --cream: #FAF5EA;
  --ivory: #FFFDF8;
  --slate: #3E4A5A;
  --slate-light: #6B7686;
  --line: rgba(18, 42, 66, 0.10);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--slate);
  background: var(--ivory);
  line-height: 1.65;
}

h1, h2, h3, .display-font {
  font-family: 'Fraunces', Georgia, serif;
  color: var(--navy);
}

a { color: var(--gold-deep); }
a:hover { color: var(--navy); }

.section-pad { padding: 6rem 0; scroll-margin-top: 84px; }
.bg-cream { background: var(--cream); }
.bg-navy { background: var(--navy); }

.eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 0.6rem;
}
.eyebrow-light { color: #E8C374; }

.section-title {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 600;
  margin-bottom: 1.25rem;
}

.body-copy { color: var(--slate-light); font-size: 1.02rem; }
.text-white-75 { color: rgba(255,255,255,0.78) !important; }

.lead-quote {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 1.3rem;
  font-style: italic;
  color: var(--navy);
  border-left: 3px solid var(--gold);
  padding-left: 1.2rem;
  margin-bottom: 1.5rem;
}

.stat-pull {
  display: inline-block;
  margin-top: 1.5rem;
  padding: 0.7rem 1.4rem;
  background: var(--navy);
  color: #fff;
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  border-radius: 999px;
  font-size: 1rem;
}

/* ===== NAVBAR ===== */
.wfw-navbar {
  background: rgba(255, 253, 248, 0.96);
  backdrop-filter: blur(6px);
  box-shadow: 0 2px 18px rgba(18, 42, 66, 0.08);
  padding: 0.6rem 0;
}
.brand-logo { height: 42px; width: auto; }
.wfw-navbar .nav-link {
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.5rem 0.9rem !important;
}
.wfw-navbar .nav-link:hover { color: var(--gold-deep); }
.btn-nav-call {
  background: var(--gold);
  color: #fff !important;
  font-weight: 700;
  border-radius: 999px;
  padding: 0.5rem 1.1rem;
  font-size: 0.9rem;
  white-space: nowrap;
}
.btn-nav-call:hover { background: var(--gold-deep); }

/* ===== HERO ===== */
.hero-split {
  display: flex;
  flex-wrap: wrap;
  min-height: 88vh;
}
.hero-text-panel, .hero-visual-panel {
  flex: 1 1 50%;
  min-width: 320px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-text-panel {
  background: var(--navy);
  padding: 5rem 3rem;
}
.hero-content { max-width: 520px; }
.hero-eyebrow {
  color: #E8C374;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-size: 0.82rem;
  margin-bottom: 1rem;
}
.hero-title {
  color: #fff;
  font-weight: 700;
  font-size: clamp(2.6rem, 5vw, 4rem);
  line-height: 1.08;
  margin-bottom: 1.2rem;
}
.hero-subtitle {
  color: rgba(255,255,255,0.85);
  font-size: 1.12rem;
  margin-bottom: 2rem;
}
.hero-cta-group { display: flex; flex-wrap: wrap; gap: 0.9rem; }
.btn-hero-primary {
  background: var(--gold);
  color: #fff;
  font-weight: 700;
  padding: 0.85rem 1.6rem;
  border-radius: 999px;
  font-size: 1rem;
}
.btn-hero-primary:hover { background: var(--gold-deep); color: #fff; }
.btn-hero-secondary {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.55);
  font-weight: 600;
  padding: 0.85rem 1.6rem;
  border-radius: 999px;
  font-size: 1rem;
}
.btn-hero-secondary:hover { background: rgba(255,255,255,0.12); color: #fff; }

.hero-visual-panel {
  background: linear-gradient(155deg, var(--gold) 0%, var(--gold-deep) 100%);
  position: relative;
  overflow: hidden;
  padding: 3rem;
}
.hero-visual-panel::before,
.hero-visual-panel::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  border: 1.5px solid rgba(255,255,255,0.22);
}
.hero-visual-panel::before { width: 460px; height: 460px; top: -120px; right: -140px; }
.hero-visual-panel::after { width: 620px; height: 620px; bottom: -260px; left: -180px; }
.hero-visual-inner {
  position: relative;
  z-index: 1;
  text-align: center;
}
.hero-icon {
  font-size: 9rem;
  color: rgba(255,255,255,0.95);
  filter: drop-shadow(0 12px 24px rgba(12,29,48,0.25));
}
.hero-stat-badge {
  display: block;
  margin-top: 1.5rem;
  background: rgba(12,29,48,0.18);
  border: 1px solid rgba(255,255,255,0.35);
  border-radius: 16px;
  padding: 1rem 1.5rem;
}
.hero-stat-number {
  display: block;
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 700;
  font-size: 2.4rem;
  color: #fff;
  line-height: 1;
}
.hero-stat-label {
  display: block;
  color: #fff;
  font-size: 0.9rem;
  font-weight: 600;
  margin-top: 0.35rem;
}

/* ===== TIMELINE ===== */
.timeline {
  border-left: 2px solid var(--line);
  padding-left: 1.75rem;
}
.timeline-item { position: relative; padding-bottom: 2rem; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before {
  content: "";
  position: absolute;
  left: -2.28rem;
  top: 0.3rem;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--ivory);
  box-shadow: 0 0 0 2px var(--gold);
}
.timeline-year {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 700;
  color: var(--navy);
  font-size: 1.2rem;
}
.timeline-text { color: var(--slate-light); margin-top: 0.2rem; }

/* ===== TEAM ===== */
.team-card {
  background: var(--cream);
  border-radius: 16px;
  padding: 2rem;
  height: 100%;
}
.team-initial {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 700;
  font-size: 1.3rem;
  margin-bottom: 1rem;
}
.team-name { font-size: 1.25rem; margin-bottom: 0.5rem; }
.team-bio { color: var(--slate-light); font-size: 0.96rem; margin: 0; }

/* ===== COVERAGE GRID ===== */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
}
@media (min-width: 768px) {
  .coverage-grid { grid-template-columns: repeat(5, 1fr); }
}
.coverage-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1.75rem 1.25rem;
  text-align: center;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.coverage-card:hover { transform: translateY(-4px); box-shadow: 0 14px 28px rgba(18,42,66,0.09); }
.coverage-card i { font-size: 2rem; color: var(--gold-deep); margin-bottom: 0.85rem; display: block; }
.coverage-card h3 { font-size: 1rem; font-weight: 600; color: var(--navy); margin-bottom: 0.5rem; font-family: 'Inter', sans-serif; }
.coverage-card p { font-size: 0.86rem; color: var(--slate-light); margin: 0; }

/* ===== CARRIER GRID ===== */
.carrier-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}
@media (min-width: 768px) {
  .carrier-grid { grid-template-columns: repeat(7, 1fr); }
}
.carrier-tile {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  aspect-ratio: 1.4 / 1;
}
.carrier-tile img { max-width: 100%; max-height: 100%; object-fit: contain; }

/* ===== QUOTE SECTION ===== */
.quote-section { background: var(--navy); }
.quote-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 16px;
  padding: 2.25rem 1.75rem;
  text-align: center;
  height: 100%;
}
.quote-card i { font-size: 2.2rem; color: var(--gold); margin-bottom: 1rem; display: block; }
.quote-card h3 { color: #fff; font-size: 1.2rem; margin-bottom: 0.6rem; }
.quote-card p { color: rgba(255,255,255,0.75); font-size: 0.92rem; margin-bottom: 1.4rem; }
.quote-card-actions { display: flex; gap: 0.6rem; justify-content: center; flex-wrap: wrap; }
.btn-quote-outline {
  border: 1.5px solid rgba(255,255,255,0.5);
  color: #fff;
  border-radius: 999px;
  padding: 0.5rem 1.1rem;
  font-size: 0.88rem;
  font-weight: 600;
}
.btn-quote-outline:hover { background: var(--gold); border-color: var(--gold); color: #fff; }

/* ===== PORTAL GRID (payments / claims) ===== */
.portal-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}
@media (min-width: 768px) {
  .portal-grid { grid-template-columns: repeat(5, 1fr); }
}
.portal-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 1.2rem 1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.92rem;
  transition: border-color 0.2s ease, transform 0.2s ease;
}
.portal-card:hover { border-color: var(--gold); transform: translateY(-3px); color: var(--navy); }
.portal-card i { color: var(--gold-deep); font-size: 0.95rem; flex-shrink: 0; }

/* ===== CONTACT ===== */
.contact-list { list-style: none; padding: 0; margin: 1.5rem 0 2rem; }
.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.9rem;
  margin-bottom: 1.15rem;
  color: rgba(255,255,255,0.9);
}
.contact-list i { color: var(--gold); font-size: 1.1rem; margin-top: 0.2rem; }
.contact-list a { color: #fff; text-decoration: none; }
.contact-list a:hover { color: var(--gold); }

.social-row { display: flex; gap: 0.75rem; }
.social-row a {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.05rem;
}
.social-row a:hover { background: var(--gold); border-color: var(--gold); color: #fff; }

.map-frame {
  width: 100%;
  height: 100%;
  min-height: 380px;
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.12);
}

/* ===== FOOTER ===== */
.site-footer {
  background: var(--navy-deep);
  padding: 3.5rem 0 2rem;
}
.footer-logo-chip {
  display: inline-flex;
  align-items: center;
  background: var(--ivory);
  border-radius: 10px;
  padding: 0.6rem 1rem;
}
.footer-links { display: flex; gap: 1.4rem; flex-wrap: wrap; justify-content: center; }
.footer-links a { color: rgba(255,255,255,0.8); font-weight: 600; font-size: 0.92rem; text-decoration: none; }
.footer-links a:hover { color: var(--gold); }
.social-row-footer { justify-content: center; }
@media (min-width: 768px) { .social-row-footer { justify-content: flex-end; } }
.footer-rule { border-color: rgba(255,255,255,0.12); margin: 2.25rem 0 1.5rem; }
.footer-copyright { color: rgba(255,255,255,0.55); font-size: 0.85rem; margin-bottom: 0.35rem; }
.footer-powered { color: rgba(255,255,255,0.7); font-size: 0.88rem; margin: 0; }
.footer-powered a { color: var(--gold); font-weight: 700; text-decoration: none; }
.footer-powered a:hover { text-decoration: underline; }

/* ===== RESPONSIVE ===== */
@media (max-width: 991.98px) {
  .wfw-navbar .navbar-collapse {
    background: var(--ivory);
    margin-top: 0.75rem;
    padding: 1rem 1.25rem;
    border-radius: 12px;
    box-shadow: 0 8px 24px rgba(18,42,66,0.12);
  }
  .wfw-navbar .nav-link { padding: 0.6rem 0 !important; }
  .btn-nav-call { display: inline-flex; margin-top: 0.5rem; }
}

@media (max-width: 767.98px) {
  .section-pad { padding: 4rem 0; }
  .hero-text-panel { padding: 4rem 1.75rem; }
  .hero-visual-panel { padding: 3rem 1.75rem; min-height: 320px; }
  .hero-icon { font-size: 6rem; }
}