:root{
  --navy:#082b5c;
  --navy-dark:#051b39;
  --gold:#d7a72a;
  --gold-light:#f0c553;
  --white:#ffffff;
  --light:#f5f7fb;
  --text:#14213d;
  --muted:#667085;
  --border:#dfe5ee;
  --shadow:0 12px 30px rgba(7,35,74,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Montserrat,Arial,sans-serif;color:var(--text);background:#fff}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,calc(100% - 32px));margin:auto}

.topbar{background:var(--navy-dark);color:#fff;font-size:13px}
.topbar-inner{min-height:36px;display:flex;justify-content:space-between;align-items:center;gap:16px}
.topbar-actions{display:flex;gap:18px}

.header{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.14)}
.nav-wrap{min-height:96px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:10px}
.brand-logo{display:block;width:132px;height:90px;object-fit:contain;object-position:left center}
.brand-mark{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--gold);font-family:"Playfair Display",serif;font-style:italic;font-size:34px;font-weight:700}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-text strong{font-family:"Playfair Display",serif;font-style:italic;color:var(--navy);font-size:28px}
.brand-text span{font-size:10px;font-weight:800;letter-spacing:.8px;margin-top:6px}
.nav{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:600;color:#fff}
.nav a:hover{color:var(--gold)}
.lang-btn{border:0;background:var(--navy);color:#fff;border-radius:18px;padding:9px 12px;font-weight:800;cursor:pointer}
.menu-toggle{display:none;border:0;background:transparent;color:#fff;font-size:26px}

.hero{position:relative;background:
linear-gradient(120deg,#061d3f 0%,#0a3165 52%,#193d68 100%);color:#fff;overflow:hidden}
.hero:after{content:"";position:absolute;inset:auto -12% -38% auto;width:520px;height:520px;background:radial-gradient(circle,rgba(215,167,42,.22),transparent 66%);border-radius:50%}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;gap:50px;align-items:center;min-height:620px;padding:72px 0}
.eyebrow{color:var(--gold-light);font-size:13px;font-weight:800;letter-spacing:1.1px}
.hero h1{font-size:58px;line-height:1.04;text-transform:uppercase;margin:14px 0 18px;max-width:720px}
.hero h1 em{display:block;color:var(--gold-light);font-family:"Playfair Display",serif;font-weight:600;text-transform:none}
.hero-sub{font-size:20px;line-height:1.55;max-width:660px}
.trust-row{display:flex;flex-wrap:wrap;gap:18px;font-size:13px;font-weight:700;margin:28px 0}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:9px;padding:15px 24px;font-weight:800;border:0;cursor:pointer}
.btn-gold{background:linear-gradient(180deg,var(--gold-light),var(--gold));color:#08254d}
.btn-light{background:#fff;color:var(--navy)}
.hero-badges{display:flex;gap:15px;margin-top:28px}
.hero-badges div{background:rgba(0,0,0,.25);border:1px solid rgba(255,255,255,.15);padding:12px 16px;border-radius:10px;display:flex;flex-direction:column}
.hero-badges strong{color:var(--gold-light)}
.hero-badges span{font-size:11px;margin-top:3px}

.hero-card{background:linear-gradient(180deg,rgba(255,255,255,.13),rgba(255,255,255,.06));border:1px solid rgba(255,255,255,.2);border-radius:26px;padding:28px;box-shadow:0 22px 60px rgba(0,0,0,.22);backdrop-filter:blur(7px)}
.agent-photo-wrap{min-height:350px;border-radius:18px;background:#111;position:relative;overflow:hidden}
.agent-photo{display:block;width:100%;height:350px;object-fit:cover;object-position:center 30%}
.experience-ribbon{position:absolute;left:18px;right:18px;bottom:16px;padding:12px 14px;border-radius:10px;background:rgba(5,27,57,.92);color:var(--gold-light);font-size:13px;font-weight:800;text-align:center;box-shadow:0 8px 20px rgba(0,0,0,.25)}
.family-illustration{min-height:330px;border-radius:18px;background:linear-gradient(160deg,#dce9f7,#ffffff);position:relative;overflow:hidden;display:grid;place-items:center}
.house{font-size:230px;line-height:1;color:#d8bf83;opacity:.42;position:absolute;top:15px}
.family{position:relative;z-index:2;font-size:100px}
.car{position:absolute;bottom:30px;right:32px;font-size:62px}
.hero-card-copy{text-align:center;display:flex;flex-direction:column;margin-top:18px}
.hero-card-copy strong{font-size:22px}
.hero-card-copy span{color:var(--gold-light);margin-top:6px}

.section{padding:74px 0}
.section-heading{text-align:center;max-width:760px;margin:0 auto 38px}
.section-heading span{color:#b58409;font-weight:800;text-transform:uppercase;font-size:12px;letter-spacing:1.2px}
.section-heading h2{font-size:36px;color:var(--navy);margin:8px 0 8px}
.section-heading p{color:var(--muted);line-height:1.6}

.cards{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.service-card{position:relative;background:#fff;border:1px solid var(--border);border-radius:14px;padding:25px 20px;box-shadow:0 8px 22px rgba(8,43,92,.06);transition:.25s}
.service-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.service-icon{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;background:var(--navy);font-size:26px;margin-bottom:18px}
.service-card h3{font-size:17px;margin:0 0 10px;color:var(--navy)}
.service-card p{font-size:13px;color:var(--muted);line-height:1.65;min-height:84px}
.service-card a{font-size:12px;font-weight:800;color:var(--navy)}

.tax-section{background:linear-gradient(180deg,#f5f9ff,#fff)}
.tax-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.tax-card{background:#fff;border:1px solid var(--border);border-top:4px solid var(--gold);border-radius:14px;padding:26px 22px;box-shadow:0 8px 22px rgba(8,43,92,.07);transition:.25s}
.tax-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.tax-card h3{font-size:18px;margin:0 0 10px;color:var(--navy)}
.tax-card p{font-size:13px;color:var(--muted);line-height:1.65;min-height:86px}
.tax-card a{font-size:12px;font-weight:800;color:var(--navy)}

.quote-section{background:linear-gradient(120deg,var(--navy-dark),var(--navy));padding:58px 0;color:#fff}
.quote-grid{display:grid;grid-template-columns:.72fr 1.28fr;gap:50px;align-items:center}
.quote-copy>span{color:var(--gold-light);font-weight:800;text-transform:uppercase;font-size:12px}
.quote-copy h2{font-size:38px;margin:8px 0 10px}
.quote-copy p{color:#dbe7f6;line-height:1.6}
.quote-copy ul{list-style:none;padding:0;line-height:2}
.quote-form{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-size:11px;font-weight:700;color:#e8eef7}
.field input,.field select{width:100%;border:0;border-radius:8px;padding:14px 12px;font:inherit;background:#fff;color:#1f2937}
.full{grid-column:1/-1}
.form-note{grid-column:1/-1;text-align:center;margin:0;font-size:11px;color:#dce6f4}

.benefits{background:var(--light)}
.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.benefit-grid div{background:#fff;border:1px solid var(--border);border-radius:13px;padding:24px}
.benefit-grid strong{color:var(--navy);display:block;margin-bottom:10px}
.benefit-grid p{font-size:13px;color:var(--muted);line-height:1.55}

.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
blockquote{margin:0;border:1px solid var(--border);border-radius:14px;padding:24px;color:#e2a70b;background:#fff;box-shadow:0 8px 22px rgba(8,43,92,.05)}
blockquote p{color:#3c475b;line-height:1.6;font-size:14px}
blockquote cite{color:var(--navy);font-style:normal;font-weight:700;font-size:12px}

.footer{background:var(--navy-dark);color:#dce7f7;padding:50px 0 18px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px}
.footer h4{color:#fff;margin-top:0}
.footer p{font-size:13px;line-height:1.7}
.footer-brand .brand-text strong{color:#fff}
.footer-brand .brand-text span{color:#fff}
.footer-logo{width:150px;height:122px;object-position:left center}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:16px;display:flex;justify-content:space-between;font-size:11px}

.whatsapp-float{position:fixed;right:20px;bottom:20px;width:58px;height:58px;border-radius:50%;background:#25D366;color:#fff;display:grid;place-items:center;font-size:28px;box-shadow:0 10px 25px rgba(0,0,0,.25);z-index:70}

.toast{position:fixed;left:50%;bottom:22px;transform:translate(-50%,120px);background:#0f5132;color:#fff;padding:13px 20px;border-radius:9px;transition:.3s;z-index:99;box-shadow:var(--shadow)}
.toast.show{transform:translate(-50%,0)}

@media (max-width:1000px){
  .cards{grid-template-columns:repeat(2,1fr)}
  .benefit-grid{grid-template-columns:repeat(2,1fr)}
  .tax-grid{grid-template-columns:repeat(2,1fr)}
  .hero-grid{grid-template-columns:1fr}
  .hero-card{width:min(440px,100%);margin:auto}
  .hero-grid{min-height:auto;padding:70px 0}
  .quote-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:760px){
  .topbar-inner{justify-content:center;text-align:center}
  .topbar-inner>span{display:none}
  .topbar-actions{gap:10px;font-size:11px}
  .menu-toggle{display:block}
  .nav{position:absolute;top:88px;left:0;right:0;background:var(--navy);display:none;flex-direction:column;align-items:flex-start;padding:22px 24px;border-bottom:1px solid rgba(255,255,255,.14);box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .hero h1{font-size:40px}
  .hero-sub{font-size:17px}
  .trust-row{flex-direction:column}
  .cards{grid-template-columns:1fr}
  .tax-grid{grid-template-columns:1fr}
  .tax-card p{min-height:auto}
  .service-card p{min-height:auto}
  .quote-form{grid-template-columns:1fr}
  .full,.form-note{grid-column:auto}
  .benefit-grid,.review-grid,.footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;gap:8px}
  .nav-wrap{min-height:88px}
  .brand-logo{width:108px;height:78px}
  .footer-logo{width:138px;height:112px}
}