:root{
  --dg:#1d566e;
  --mg:#2C7DA0;
  --lg:#5ba3c9;
  --gold:#b08754;
  --gold2:#c9a425;
  --gold3:#d4b069;
  --cream:#FAFAF8;
  --border:#E2E0DE;
  --td:#1a2a3a;
  --tm:#2c5878;
  --tl:#5b8fa0;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:300;line-height:1.6;color:var(--td);background:#e5f2f8;overflow-x:hidden}

/* ── NAV ── */
.site-header{position:sticky;top:0;z-index:100;background:linear-gradient(90deg,#f7f6f3,#ffffff,#f2ece0,#f7f6f3);background-size:300% 100%;animation:heroWave 8s ease-in-out infinite}
.nav-wrap{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;height:76px;gap:12px}
.logo-area{display:flex;align-items:center;gap:12px;cursor:pointer;text-decoration:none;flex-shrink:0}
.logo-svg{height:68px;width:auto;object-fit:contain}
.main-nav{display:flex;align-items:center;gap:4px;list-style:none}
.main-nav a{display:block;padding:8px 12px;font-size:13px;font-weight:500;letter-spacing:.03em;color:#2C7DA0;text-decoration:none;border-radius:4px;transition:color .2s,background .2s;white-space:nowrap;cursor:pointer}
.main-nav a:hover{color:var(--gold);background:rgba(0,0,0,.07)}
.nav-phone{font-size:14px;font-weight:600;color:#2C7DA0;text-decoration:none;white-space:nowrap;flex-shrink:0}
.nav-phone:hover{color:var(--td)}
.nav-badge{display:none;align-items:center;gap:8px;background:rgba(176,135,84,.18);border:1px solid rgba(176,135,84,.38);border-radius:99px;padding:4px 12px;font-size:11px;font-weight:500;color:#2C7DA0;letter-spacing:.04em;flex-shrink:0}
.nav-badge .dot{width:8px;height:8px;background:var(--mg);border-radius:50%;animation:pulse 2s infinite;flex-shrink:0}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.hamburger span{display:block;width:24px;height:2px;background:var(--gold3);border-radius:2px}
.mob-nav{display:none;position:fixed;top:76px;left:0;right:0;background:#fff;border-top:1px solid rgba(176,135,84,.35);z-index:99;padding:10px 0 16px}
.mob-nav.open{display:block}
.mob-nav a{display:block;padding:13px 24px;font-size:15px;font-weight:500;color:#2C7DA0;text-decoration:none;border-bottom:1px solid rgba(0,0,0,.08);cursor:pointer}
.mob-nav a:hover{color:var(--gold);background:rgba(0,0,0,.04)}
.mob-phone{display:block;padding:14px 24px 8px;font-size:17px;font-weight:700;color:#2C7DA0;text-decoration:none}
@media(max-width:860px){.main-nav,.nav-phone{display:none}.hamburger{display:flex}.nav-badge,.ins-badge{display:none}.hero-logo{height:auto;width:85%;max-height:280px}.sec-transition{height:48px!important}.about-section{padding:40px 24px}.promise-section{padding:40px 24px 48px}.tab-content{padding:28px 16px 40px}}

/* ── HERO ── */
.hero{background:linear-gradient(90deg,#f7f6f3,#ffffff,#f2ece0,#f7f6f3);background-size:300% 100%;animation:heroWave 8s ease-in-out infinite;color:var(--td);padding:48px 24px 80px;position:relative;overflow:hidden;min-height:520px}
@keyframes heroWave{0%{background-position:0% 50%}50%{background-position:100% 50%}100%{background-position:0% 50%}}
.hero-logo{display:block;margin:0 auto;height:500px;width:auto;max-width:92%;object-fit:contain;position:relative;z-index:1}
.hero-in{max-width:1100px;margin:0 auto;position:relative;z-index:1}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(.7)}}
.hero h1{font-family:'Cormorant Garamond',serif;font-size:clamp(40px,5.5vw,76px);font-weight:500;line-height:1.04;color:#2C7DA0;margin-bottom:18px}
.hero h1 em{font-style:italic;color:var(--gold3)}
.hero-sub{font-size:17px;color:rgba(44,125,160,.85);margin-bottom:38px;font-weight:300}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap}
.btn-pri{background:var(--dg);color:#fff;border:none;padding:16px 32px;font-size:14px;font-weight:600;letter-spacing:.06em;border-radius:5px;cursor:pointer;text-transform:uppercase;transition:background .2s,transform .2s,box-shadow .2s;text-decoration:none;display:inline-block;box-shadow:0 4px 16px rgba(29,86,110,.35)}
.btn-pri:hover{background:var(--mg);transform:translateY(-2px);box-shadow:0 8px 24px rgba(44,125,160,.45)}
.btn-sec{background:transparent;color:#2C7DA0;border:2px solid rgba(44,125,160,.45);padding:14px 28px;font-size:14px;font-weight:500;border-radius:5px;cursor:pointer;text-decoration:none;display:inline-block;transition:border-color .2s,background .2s}
.btn-sec:hover{border-color:rgba(44,125,160,.8);background:rgba(44,125,160,.07)}
.hero-right{display:flex;flex-direction:column;gap:14px}
.hstat-card{background:#fff;border-radius:10px;border:1px solid rgba(176,135,84,.2);padding:22px 24px;box-shadow:0 4px 20px rgba(44,125,160,.08);display:flex;align-items:center;gap:16px}
.hstat-icon{width:46px;height:46px;background:linear-gradient(135deg,var(--dg),var(--mg));border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.hstat-icon svg{width:22px;height:22px;stroke:var(--gold3);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.hstat-text .v{font-family:'Cormorant Garamond',serif;font-size:24px;font-weight:500;color:var(--dg);line-height:1}
.hstat-text .l{font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--tl);margin-top:4px}

/* ── SHARED ── */
.sec-wrap{max-width:1100px;margin:0 auto;padding:0 24px}
.sec-lbl{font-size:11px;letter-spacing:.35em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:8px}
.sec-ttl{font-family:'Cormorant Garamond',serif;font-size:clamp(28px,3.5vw,46px);font-weight:500;color:var(--dg);line-height:1.1;margin-bottom:10px}
.divider{height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}

/* ── TABBED SECTION ── */
.tab-section{background:#fff}
.tab-header{background:linear-gradient(180deg,var(--dg) 0%,var(--mg) 100%);padding:32px 24px 0}
.tab-header-in{max-width:1100px;margin:0 auto}
.tab-header .sec-lbl{color:var(--gold3)}
.tab-header .sec-ttl{color:#fff}
.tab-header-desc{font-size:16px;color:rgba(255,255,255,.72);font-weight:300;margin-bottom:36px;max-width:600px}
.tabs{display:flex;gap:0}
.tab-btn{padding:14px 36px;font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;border:none;border-radius:8px 8px 0 0;cursor:pointer;transition:all .22s;font-family:'Montserrat',sans-serif;color:rgba(255,255,255,.6);background:rgba(255,255,255,.08)}
.tab-btn:hover{color:#fff;background:rgba(255,255,255,.16)}
.tab-btn.active{background:#fff;color:var(--dg)}
.tab-content{display:none;padding:48px 24px 64px;animation:fadeUp .3s ease}
.tab-content.active{display:block}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}

/* ── SERVICES TABLE ── */
.svc-table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--border);box-shadow:0 2px 16px rgba(44,125,160,.07)}
.svc-main-table{width:100%;border-collapse:collapse}
.svc-main-table thead th{background:linear-gradient(135deg,var(--dg),var(--mg));color:#fff;padding:14px 18px;text-align:left;font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:600;font-family:'Montserrat',sans-serif}
.svc-main-table tbody tr{border-bottom:1px solid var(--border);transition:background .15s}
.svc-main-table tbody tr:last-child{border-bottom:none}
.svc-main-table tbody tr:hover{background:rgba(176,135,84,.04)}
.svc-main-table td{padding:20px 18px;vertical-align:top;font-size:14.5px;color:var(--td)}
.svc-name{font-weight:600;color:var(--dg);font-family:'Cormorant Garamond',serif;font-size:19px;display:flex;align-items:center;gap:10px}
.svc-name-icon{width:34px;height:34px;background:linear-gradient(135deg,var(--dg),var(--mg));border-radius:7px;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}
.svc-name-icon svg{width:17px;height:17px;stroke:var(--gold3);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.svc-desc-cell{color:var(--tm);font-size:14px;line-height:1.65}
.svc-tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:10px}
.svc-tag{background:rgba(44,125,160,.07);color:var(--mg);border:1px solid rgba(44,125,160,.18);border-radius:99px;padding:3px 11px;font-size:11.5px;font-weight:500}
.svc-price-badge{background:linear-gradient(135deg,var(--gold),var(--gold2));color:#fff;border-radius:6px;padding:7px 16px;font-size:14px;font-weight:700;white-space:nowrap;display:inline-block;box-shadow:0 3px 10px rgba(176,135,84,.3)}

/* ── INSURANCE TABLE ── */
.ins-split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:680px){.ins-split{grid-template-columns:1fr}}
.ins-table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--border);box-shadow:0 2px 16px rgba(44,125,160,.07)}
.ins-table{width:100%;border-collapse:collapse}
.ins-table thead th{background:linear-gradient(135deg,var(--dg),var(--mg));color:#fff;padding:13px 16px;text-align:left;font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:600;font-family:'Montserrat',sans-serif}
.ins-table tbody tr{border-bottom:1px solid var(--border);transition:background .15s}
.ins-table tbody tr:last-child{border-bottom:none}
.ins-table tbody tr:hover{background:rgba(176,135,84,.04)}
.ins-table td{padding:11px 16px;font-size:14px;color:var(--td);vertical-align:middle}
.ins-check{width:20px;height:20px;background:linear-gradient(135deg,var(--dg),var(--mg));border-radius:50%;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}
.ins-check svg{width:10px;height:10px;stroke:#fff;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
.ins-check-cell{display:flex;align-items:center;gap:10px}
.ins-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(176,135,84,.18);border:1px solid rgba(176,135,84,.38);border-radius:99px;padding:6px 16px;font-size:13px;font-weight:500;color:#2C7DA0;letter-spacing:.04em;margin-bottom:16px}
.ins-badge .dot{width:8px;height:8px;background:var(--mg);border-radius:50%;animation:pulse 2s infinite;flex-shrink:0}
.ins-note-box{background:linear-gradient(135deg,rgba(29,86,110,.05),rgba(176,135,84,.05));border:1px solid rgba(176,135,84,.22);border-left:4px solid var(--gold3);border-radius:0 10px 10px 0;padding:24px 26px;margin-top:28px}
.ins-note-box h4{font-family:'Cormorant Garamond',serif;font-size:21px;font-weight:500;color:var(--gold3);margin-bottom:9px}
.ins-note-box p{font-size:14px;color:var(--tm);line-height:1.72}
.ins-disclaimer{margin-top:20px;background:rgba(44,125,160,.06);border:1px solid rgba(44,125,160,.14);border-radius:8px;padding:18px 20px}
.ins-disclaimer p{font-size:13px;color:var(--tm);line-height:1.7}

/* ── ABOUT ── */
.about-section{padding:72px 24px;background:linear-gradient(180deg,#daeef8 0%,#c8e4f2 100%)}
.about-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:start}
@media(max-width:820px){.about-inner{grid-template-columns:1fr;gap:36px}}
.about-text{font-size:15px;color:var(--tm);line-height:1.8;margin-bottom:14px}
.info-card{background:#fff;border:1px solid var(--border);border-radius:10px;overflow:hidden;box-shadow:0 4px 20px rgba(44,125,160,.08)}
.info-card-header{background:linear-gradient(135deg,var(--dg),var(--mg));padding:18px 24px}
.info-card-header h4{font-family:'Cormorant Garamond',serif;font-size:22px;font-weight:500;color:#fff}
.irow{display:flex;gap:12px;padding:12px 24px;border-bottom:1px solid var(--border);font-size:14px}
.irow:last-child{border-bottom:none}
.irow .ilbl{font-weight:600;color:var(--mg);min-width:88px;flex-shrink:0}
.irow .ival{color:var(--td)}
.irow .ival a{color:var(--mg);text-decoration:none}
.irow .ival a:hover{color:var(--dg)}
.info-accent{display:inline-block;background:rgba(176,135,84,.12);border:1px solid rgba(176,135,84,.28);border-radius:4px;padding:2px 9px;font-size:12px;font-weight:600;color:var(--gold);letter-spacing:.04em}

/* ── PROMISE ── */
.promise-section{padding:72px 24px 80px;background:linear-gradient(180deg,var(--dg) 0%,var(--mg) 60%,#4a9abf 100%);position:relative;overflow:hidden}
.promise-section::before{content:'';position:absolute;top:-30%;right:-5%;width:480px;height:480px;background:radial-gradient(circle,rgba(176,135,84,.12) 0%,transparent 70%);pointer-events:none}
.promise-inner{max-width:1100px;margin:0 auto;position:relative;z-index:1}
.promise-head{text-align:center;margin-bottom:52px}
.promise-head .sec-lbl{color:var(--gold3);display:block}
.promise-head .sec-ttl{color:#fff;text-align:center}
.promise-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:700px){.promise-grid{grid-template-columns:1fr}}
.promise-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:36px 28px;text-align:center;transition:background .25s,transform .25s,box-shadow .25s}
.promise-card:hover{background:rgba(255,255,255,.11);transform:translateY(-4px);box-shadow:0 16px 40px rgba(0,0,0,.15)}
.promise-icon{width:62px;height:62px;border:2px solid rgba(176,135,84,.55);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 20px;background:rgba(176,135,84,.1)}
.promise-icon svg{width:26px;height:26px;stroke:var(--gold3);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.promise-card h4{font-family:'Cormorant Garamond',serif;font-size:22px;font-weight:500;color:#fff;margin-bottom:10px}
.promise-card p{font-size:14px;color:rgba(255,255,255,.74);line-height:1.7}

/* ── CTA BAR ── */
.cta-bar{background:var(--cream);padding:36px 24px;border-top:3px solid rgba(176,135,84,.22)}
.cta-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta-inner h3{font-family:'Cormorant Garamond',serif;font-size:28px;font-weight:500;color:var(--td)}
.cta-inner p{font-size:14px;color:var(--tl);margin-top:3px}
.cta-phone{font-size:24px;font-weight:700;color:var(--gold3);text-decoration:none;letter-spacing:.02em}
.cta-phone:hover{color:var(--td)}
.cta-lbl{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:rgba(29,54,78,.5);margin-bottom:3px}

/* ── FOOTER ── */
footer{background:var(--cream);color:rgba(29,54,78,.8);padding:52px 24px 24px;border-top:1px solid var(--border)}
.foot-in{max-width:1100px;margin:0 auto}
.foot-grid{display:grid;grid-template-columns:1fr;gap:40px;margin-bottom:40px}
@media(max-width:700px){.foot-grid{grid-template-columns:1fr}}
.foot-brand .f-logo{font-family:'Cormorant Garamond',serif;font-size:28px;font-weight:500;color:var(--gold3);display:block;margin-bottom:3px}
.foot-brand .f-sub{font-size:8px;letter-spacing:.28em;text-transform:uppercase;color:rgba(44,125,160,.6);display:block;margin-bottom:12px}
.foot-brand p{font-size:13px;color:rgba(29,54,78,.6);line-height:1.7;margin-bottom:14px}
.foot-ph{font-size:16px;font-weight:700;color:var(--gold3);text-decoration:none;display:block}
.foot-ph:hover{color:var(--td)}
.foot-col h5{font-size:10px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--gold3);margin-bottom:14px}
.foot-col a,.foot-col p{display:block;font-size:13.5px;color:rgba(29,54,78,.65);text-decoration:none;line-height:2.1}
.foot-col a:hover{color:var(--gold3)}
.foot-socials{display:flex;gap:10px;margin-top:14px}
.foot-social-btn{display:flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:8px;transition:opacity .2s,transform .2s}
.foot-social-btn:hover{opacity:.82;transform:translateY(-2px)}
.foot-social-btn svg{width:36px;height:36px}
.foot-bot{border-top:1px solid rgba(176,135,84,.22);padding-top:18px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;font-size:11px;color:rgba(29,54,78,.4);letter-spacing:.04em}

/* ── LANG TOGGLE ── */
.lang-toggle{display:flex;align-items:center;gap:3px;flex-shrink:0}
.lang-btn{background:transparent;border:1.5px solid rgba(176,135,84,.45);color:rgba(29,54,78,.6);padding:5px 11px;font-size:11px;font-weight:700;letter-spacing:.08em;border-radius:3px;cursor:pointer;transition:all .2s;font-family:'Montserrat',sans-serif}
.lang-btn:hover{border-color:var(--gold3);color:var(--gold3)}
.lang-btn.active{background:var(--gold);border-color:var(--gold);color:#fff}
.mob-lang-wrap{padding:14px 24px 4px;border-bottom:1px solid rgba(0,0,0,.08)}