:root {
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'DM Sans', 'Helvetica Neue', Arial, sans-serif;
  --text-xs: clamp(0.75rem, 0.7rem + 0.25vw, 0.875rem);
  --text-sm: clamp(0.875rem, 0.8rem + 0.35vw, 1rem);
  --text-base: clamp(1rem, 0.95rem + 0.25vw, 1.125rem);
  --text-lg: clamp(1.125rem, 1rem + 0.75vw, 1.5rem);
  --text-xl: clamp(1.5rem, 1.2rem + 1.25vw, 2.25rem);
  --text-2xl: clamp(2rem, 1.2rem + 2.5vw, 3.5rem);
  --color-bg: #faf8f3; --color-surface: #ffffff; --color-surface-warm: #f5f0e6; --color-surface-hero: #f8f4eb;
  --color-divider: #e0d8c8; --color-border: #d4cbba;
  --color-text: #2c2417; --color-text-muted: #6e624f;
  --color-gold: #b79444; --color-gold-dark: #8b6f30; --color-gold-light: #d4b75a; --color-gold-bg: #f5ecd4;
  --color-green: #1c2540; --color-green-hover: #2a3760; --color-navy: #1c2540; --color-dark: #1a1612;
  --radius-sm: 4px; --radius-md: 8px; --radius-lg: 12px; --radius-xl: 16px;
  --shadow-lg: 0 12px 40px rgba(44,36,23,0.12); --shadow-gold: 0 4px 20px rgba(183,148,68,0.15);
}
body { background: var(--color-bg); overflow-x: hidden; }
a { color: var(--color-gold); text-decoration: none; }
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.section-divider { display: flex; align-items: center; justify-content: center; gap: 1rem; }
.section-divider::before, .section-divider::after { content: ''; flex: 1; max-width: 120px; height: 1px; background: var(--color-gold); opacity: .5; margin-bottom: 2.5rem; }

.header { position: sticky; top: 0; z-index: 100; background: rgba(250,248,243,.95); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--color-divider); padding: .75rem 0; }
.header-inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: .75rem; }
.logo-area { display: flex; align-items: center; gap: .75rem; color: var(--color-text); }
.logo-text { font-size: var(--text-lg); font-weight: 700; letter-spacing: .02em; color: var(--color-text); }
.logo-text span { font-weight: 400; color: var(--color-text-muted); }
.contact-bar { display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; }
.contact-item { display: flex; align-items: center; gap: .5rem; font-size: var(--text-sm); color: var(--color-text); font-weight: 500; }
.contact-item:hover { color: var(--color-gold-dark); }
.contact-icon { width: 28px; height: 28px; background: var(--color-gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; }
.contact-icon svg { width: 14px; height: 14px; fill: #fff; }
.email-item { display: flex; align-items: center; gap: .5rem; font-size: var(--text-xs); color: var(--color-text-muted); }
.email-item svg { width: 16px; height: 16px; fill: var(--color-gold); }

.hero { background: linear-gradient(135deg, var(--color-surface-hero), var(--color-surface-warm)); padding: clamp(3rem, 6vw, 5rem) 0; }
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 2.5rem; }
.hero-headline { font-family: var(--font-display); font-size: var(--text-2xl); font-weight: 400; margin-bottom: 1.5rem; }
.hero-headline em { font-style: italic; color: var(--color-gold-dark); }
.hero-sub { color: var(--color-text-muted); margin-bottom: 2rem; max-width: 480px; line-height: 1.7; }
.hero-buttons { display: flex; gap: 1rem; flex-wrap: wrap; }
.btn-primary, .btn-secondary { display: inline-flex; align-items: center; gap: .5rem; padding: .75rem 1.5rem; font-size: var(--text-sm); font-weight: 600; border-radius: var(--radius-md); min-height: 44px; }
.btn-primary { background: var(--color-green); color: #fff; }
.btn-primary:hover { background: var(--color-green-hover); color: #fff; }
.btn-secondary { background: #fff; color: var(--color-text); border: 1px solid var(--color-border); }
.btn-secondary:hover { border-color: var(--color-gold); background: var(--color-gold-bg); color: var(--color-text); }
.btn-secondary svg { width: 18px; height: 18px; color: #25a244; }
.hero-image { border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-lg); }
.hero-image img { width: 100%; object-fit: cover; }

.services, .why-us { padding: clamp(3rem, 6vw, 5rem) 0; }
.why-us { background: linear-gradient(180deg, var(--color-surface-warm), var(--color-bg)); }
.section-title { font-family: var(--font-display); font-size: var(--text-xl); font-weight: 400; text-align: center; margin-bottom: 2.5rem; }
.services-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.service-card { background: #fff; border: 1px solid var(--color-divider); border-radius: var(--radius-lg); padding: 1.5rem; display: flex; gap: 1rem; transition: box-shadow 180ms, border-color 180ms; }
.service-card:hover { box-shadow: var(--shadow-gold); border-color: var(--color-gold); }
.service-card-feature { background: linear-gradient(135deg,#fff,var(--color-gold-bg)); border-color: var(--color-gold); }
.service-info p strong { color: var(--color-text); }
.service-icon { width: 60px; height: 60px; flex-shrink: 0; }
.service-info h3 { font-size: var(--text-lg); font-weight: 700; margin-bottom: .5rem; }
.service-info p { font-size: var(--text-sm); color: var(--color-text-muted); margin-bottom: 1rem; }
.btn-more { display: inline-flex; padding: .5rem 1.25rem; background: var(--color-green); color: #fff; font-size: var(--text-xs); font-weight: 600; border-radius: var(--radius-md); }
.btn-more:hover { background: var(--color-green-hover); color: #fff; }

.why-us-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: start; }
.why-left, .contact-form-card { background: #fff; border: 1px solid var(--color-divider); border-radius: var(--radius-lg); padding: 1.5rem; }
.why-left { display: flex; gap: 1.5rem; }
.advisor-photo { width: 140px; height: 180px; border-radius: var(--radius-md); object-fit: cover; flex-shrink: 0; }
.why-points { display: flex; flex-direction: column; gap: 1.5rem; }
.why-point h4 { font-size: var(--text-base); font-weight: 700; margin-bottom: .25rem; }
.why-point p { font-size: var(--text-sm); color: var(--color-text-muted); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1rem; }
.form-group { display: flex; flex-direction: column; gap: .25rem; }
.form-group label, .form-label-row { font-size: var(--text-xs); font-weight: 500; color: var(--color-text-muted); }
.form-label-row { margin-bottom: .5rem; }
.form-group input, .form-group select, .form-group textarea { padding: .6rem .75rem; border: 1px solid var(--color-border); border-radius: var(--radius-sm); font-size: var(--text-sm); background: #fff; outline: none; min-height: 44px; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--color-gold); box-shadow: 0 0 0 3px rgba(183,148,68,.12); }
.insurance-types { display: flex; gap: .5rem; margin-bottom: 1rem; flex-wrap: wrap; }
.insurance-type-btn { padding: .5rem 1rem; border: 1px solid var(--color-border); border-radius: var(--radius-sm); font-size: var(--text-xs); font-weight: 500; background: #fff; min-height: 40px; }
.insurance-type-btn:hover, .insurance-type-btn.active { background: var(--color-gold-dark); color: #fff; border-color: var(--color-gold-dark); }
.form-group-full { margin-bottom: 1rem; }
.btn-submit { width: 100%; padding: .75rem 1.5rem; background: var(--color-green); color: #fff; font-size: var(--text-sm); font-weight: 600; border-radius: var(--radius-md); min-height: 44px; }
.btn-submit:hover { background: var(--color-green-hover); }
.form-note { font-size: var(--text-xs); color: var(--color-text-muted); margin-top: .75rem; text-align: center; }

.contact-section { padding: clamp(3rem, 6vw, 5rem) 0; background: linear-gradient(180deg, var(--color-surface-warm), var(--color-bg)); }
.contact-section .section-title { margin-bottom: 1rem; }
.contact-text { font-size: var(--text-sm); color: var(--color-text-muted); max-width: 520px; margin: 0 0 2rem; line-height: 1.7; }
.contact-agents { display: flex; flex-direction: column; gap: 1.25rem; }
.agent-contact { display: flex; align-items: center; gap: .75rem; color: var(--color-text); font-weight: 600; text-align: left; }
.agent-contact:hover { color: var(--color-gold-dark); }
.agent-icon { width: 40px; height: 40px; background: var(--color-gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; }
.agent-icon svg { width: 18px; height: 18px; fill: #fff; }
.agent-name { font-size: var(--text-xs); color: var(--color-text-muted); font-weight: 400; }

.footer { background: var(--color-navy); color: rgba(255,255,255,.75); padding: 2rem 0; text-align: center; }
.footer-inner { display: flex; flex-direction: column; align-items: center; gap: .75rem; }
.footer p { font-size: var(--text-xs); }
.footer a { color: var(--color-gold-light); font-size: var(--text-xs); }

.js .fade-in { opacity: 0; transform: translateY(20px); transition: opacity .7s cubic-bezier(.16,1,.3,1), transform .7s cubic-bezier(.16,1,.3,1); }
.js .fade-in.visible { opacity: 1; transform: none; }

.logo-img { width: 52px; height: 52px; border-radius: 50%; }
.main-nav { display: flex; gap: 1.25rem; }
.main-nav a { color: var(--color-text); font-size: var(--text-sm); font-weight: 500; }
.main-nav a:hover { color: var(--color-gold-dark); }
.trust-strip { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: clamp(2rem, 4vw, 3rem); background: #fff; border: 1px solid var(--color-divider); border-radius: var(--radius-lg); padding: 1.25rem; box-shadow: var(--shadow-gold); }
.trust-strip li { text-align: center; display: flex; flex-direction: column; gap: .15rem; }
.trust-strip li + li { border-left: 1px solid var(--color-divider); }
.trust-strip strong { font-family: var(--font-display); font-size: var(--text-lg); color: var(--color-navy); }
.trust-strip span { font-size: var(--text-xs); color: var(--color-text-muted); }
.enroll-banner { background: var(--color-navy); color: #fff; padding: 1.5rem 0; }
.enroll-inner { display: grid; grid-template-columns: 1fr 1fr auto; gap: 1.5rem; align-items: center; }
.enroll-item { display: flex; flex-direction: column; gap: .35rem; }
.enroll-item p { font-size: var(--text-sm); color: rgba(255,255,255,.85); }
.enroll-item strong { color: #fff; }
.enroll-tag { align-self: flex-start; font-size: var(--text-xs); font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--color-navy); background: var(--color-gold-light); padding: .15rem .6rem; border-radius: 999px; }
.btn-gold { display: inline-flex; align-items: center; justify-content: center; padding: .75rem 1.5rem; background: var(--color-gold); color: #fff; font-weight: 600; font-size: var(--text-sm); border-radius: var(--radius-md); min-height: 44px; white-space: nowrap; }
.btn-gold:hover { background: var(--color-gold-dark); color: #fff; }
.steps { padding: clamp(3rem, 6vw, 5rem) 0; background: var(--color-surface-warm); }
.steps-grid { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.step { background: #fff; border: 1px solid var(--color-divider); border-radius: var(--radius-lg); padding: 1.75rem 1.5rem; }
.step-num { display: inline-flex; width: 40px; height: 40px; border-radius: 50%; background: var(--color-navy); color: var(--color-gold-light); align-items: center; justify-content: center; font-family: var(--font-display); font-size: 1.25rem; margin-bottom: 1rem; }
.step h3 { font-size: var(--text-lg); margin-bottom: .5rem; }
.step p { font-size: var(--text-sm); color: var(--color-text-muted); line-height: 1.65; }
.about { padding: clamp(3rem, 6vw, 5rem) 0; }
.about-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: clamp(2rem, 4vw, 3.5rem); align-items: center; }
.about-photo { border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-lg); }
.about-photo img { width: 100%; height: auto; }
.eyebrow { font-size: var(--text-xs); font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--color-gold-dark); margin-bottom: .5rem; }
.about-title { font-family: var(--font-display); font-size: var(--text-xl); font-weight: 400; margin-bottom: 1rem; line-height: 1.2; }
.about-content > p { color: var(--color-text-muted); line-height: 1.7; margin-bottom: 1.25rem; }
.why-list { list-style: none; display: flex; flex-direction: column; gap: .65rem; margin-bottom: 1.5rem; }
.why-list li { position: relative; padding-left: 1.6rem; font-size: var(--text-sm); color: var(--color-text-muted); }
.why-list li::before { content: ''; position: absolute; left: 0; top: .45em; width: .7rem; height: .7rem; border-radius: 50%; background: var(--color-gold); }
.why-list strong { color: var(--color-text); }
.states-label { font-size: var(--text-xs); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--color-text); margin-bottom: .6rem; }
.states { list-style: none; display: flex; flex-wrap: wrap; gap: .5rem; }
.states li { font-size: var(--text-xs); padding: .35rem .75rem; border: 1px solid var(--color-gold); border-radius: 999px; color: var(--color-gold-dark); background: var(--color-gold-bg); }
.carriers { padding: clamp(3rem, 6vw, 5rem) 0; background: var(--color-surface-warm); }
.carriers-intro { text-align: center; max-width: 640px; margin: -1.25rem auto 2rem; color: var(--color-text-muted); font-size: var(--text-sm); line-height: 1.7; }
.carrier-list { list-style: none; display: grid; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); gap: .75rem; }
.carrier-list li { background: #fff; border: 1px solid var(--color-divider); border-radius: var(--radius-md); padding: 1rem; text-align: center; font-weight: 600; font-size: var(--text-sm); color: var(--color-navy); display: flex; align-items: center; justify-content: center; min-height: 64px; }
.cal-btn { margin-top: 1.5rem; }
.service-icon { object-fit: contain; }
.faq { padding: clamp(3rem, 6vw, 5rem) 0; }
.faq-container { max-width: 820px; }
.faq details { background: #fff; border: 1px solid var(--color-divider); border-radius: var(--radius-md); margin-bottom: .75rem; }
.faq summary { cursor: pointer; padding: 1rem 1.25rem; font-weight: 600; list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; color: var(--color-gold-dark); font-size: 1.25rem; line-height: 1; }
.faq details[open] summary::after { content: '–'; }
.faq details p { padding: 0 1.25rem 1.1rem; font-size: var(--text-sm); color: var(--color-text-muted); line-height: 1.7; }
.contact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 2.5rem; align-items: start; }
.form-title { font-family: var(--font-display); font-weight: 400; font-size: var(--text-lg); margin-bottom: 1.25rem; }
.office { margin-top: 1.5rem; font-size: var(--text-sm); color: var(--color-text-muted); }
.join { background: var(--color-navy); color: rgba(255,255,255,.85); padding: clamp(2.5rem, 5vw, 3.5rem) 0; }
.join-inner { display: flex; justify-content: space-between; align-items: center; gap: 2rem; }
.join .eyebrow { color: var(--color-gold-light); }
.join-title { font-family: var(--font-display); font-weight: 400; font-size: var(--text-xl); color: #fff; margin-bottom: .5rem; }
.join-list { list-style: none; margin-top: .75rem; display: flex; flex-direction: column; gap: .4rem; font-size: var(--text-sm); }
.join-list li { padding-left: 1.4rem; position: relative; }
.join-list li::before { content: "✓"; position: absolute; left: 0; color: var(--color-gold-light); font-weight: 700; }
.join-list strong { color: #fff; }
.form-note a { color: var(--color-gold-dark); text-decoration: underline; }
.join p { max-width: 640px; font-size: var(--text-sm); line-height: 1.7; }
.footer { border-top: 1px solid rgba(212,183,90,.3); }
.footer img { border-radius: 50%; }
.footer .disclaimer { max-width: 760px; line-height: 1.6; opacity: .8; }
.wa-float { position: fixed; right: 1.25rem; bottom: 1.25rem; z-index: 200; width: 56px; height: 56px; border-radius: 50%; background: #25d366; color: #fff; display: flex; align-items: center; justify-content: center; box-shadow: 0 6px 20px rgba(0,0,0,.25); }
.wa-float svg { width: 28px; height: 28px; }
.wa-float:hover { color: #fff; transform: scale(1.05); }
@media (max-width: 1024px) {
  .main-nav { display: none; }
  .enroll-inner { grid-template-columns: 1fr 1fr; }
  .enroll-inner .btn-gold { grid-column: 1 / -1; justify-self: start; }
}
@media (max-width: 768px) {
  .trust-strip { grid-template-columns: 1fr 1fr; }
  .trust-strip li + li { border-left: 0; }
  .enroll-inner, .steps-grid, .about-grid, .contact-grid { grid-template-columns: 1fr; }
  .enroll-inner .btn-gold { justify-self: stretch; }
  .join-inner { flex-direction: column; align-items: flex-start; }

  .header-inner { justify-content: center; }
  .contact-bar { justify-content: center; gap: .75rem; }
  .hero-inner, .services-grid, .why-us-grid, .form-row { grid-template-columns: 1fr; }
  .hero-inner { text-align: center; }
  .hero-image { max-width: 420px; margin: 0 auto; }
  .hero-sub { margin-left: auto; margin-right: auto; }
  .hero-buttons { justify-content: center; }
  .why-left { flex-direction: column; align-items: center; text-align: center; }
}
@media (max-width: 480px) {
  .container { padding: 0 1rem; }
  .service-card { flex-direction: column; align-items: center; text-align: center; }
  .insurance-types { justify-content: center; }
}

.tpmo { display: flex; gap: .5rem; align-items: center; justify-content: center; flex-wrap: wrap; font-size: var(--text-xs); }
.tpmo select { background: #fff; color: var(--color-text); border-radius: var(--radius-sm); padding: .35rem .5rem; font-size: var(--text-xs); min-height: 36px; }
.tpmo-note { font-size: .7rem; }

.caps { color: var(--color-gold-light); letter-spacing: .02em; }
.pref-options { display: flex; gap: .75rem; flex-wrap: wrap; margin-bottom: 1rem; }
.pref-option { display: flex; align-items: center; gap: .5rem; padding: .55rem 1rem; border: 1px solid var(--color-border); border-radius: var(--radius-sm); font-size: var(--text-sm); cursor: pointer; min-height: 44px; background: #fff; }
.pref-option:has(input:checked) { border-color: var(--color-gold-dark); background: var(--color-gold-bg); }
.pref-option input { accent-color: var(--color-gold-dark); }
[hidden] { display: none !important; }

.form-group textarea { resize: vertical; min-height: 88px; font-family: inherit; }
.req { color: #b3261e; }
.req-note { font-size: var(--text-xs); color: var(--color-text-muted); margin-bottom: .75rem; }

.home-visit { display: inline-block; background: var(--color-gold-bg); border: 1px solid var(--color-gold); border-radius: var(--radius-md); padding: .75rem 1rem; font-size: var(--text-sm); color: var(--color-text); margin: -1rem 0 2rem; }