/* ════════════════════════════════════════════════════════════
   Chin Yue Hau — Allianz Financial Advisor
   Design system · v2 (structured build)
   ════════════════════════════════════════════════════════════ */

/* ── TOKENS ─────────────────────────────────────────────────── */
:root{
  --navy:#001F5B;
  --deep:#001040;
  --blue:#003781;
  --mid:#0057A8;
  --bright:#009DE0;
  --sky:#E4F3FB;
  --ice:#F4F8FC;
  --off:#F7F9FC;
  --white:#FFFFFF;
  --dark:#080F1E;
  --body:#2A3A55;
  --muted:#6B7E9A;
  --border:#D0E4F5;
  --gold:#C8A84B;
  --gold2:#F0D48A;
  --green:#18B960;
  --wa:#25D366;
  --r:18px;
  --sh1:0 2px 12px rgba(0,55,129,.07);
  --sh2:0 8px 32px rgba(0,55,129,.12);
  --sh3:0 24px 64px rgba(0,55,129,.18);
  --glass:rgba(255,255,255,.72);
  --glass-brd:rgba(255,255,255,.55);
  --grad-hero:linear-gradient(135deg,#000C33 0%,var(--navy) 28%,var(--blue) 58%,var(--mid) 84%,var(--bright) 100%);
  --grad-soft:linear-gradient(180deg,var(--white) 0%,var(--ice) 55%,var(--sky) 100%);
  --grad-gold:linear-gradient(90deg,var(--gold),var(--gold2));
}

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Sora',sans-serif;background:var(--white);color:var(--dark);overflow-x:hidden;-webkit-font-smoothing:antialiased;}
img{max-width:100%;display:block;}

/* ── UTILITY ────────────────────────────────────────────────── */
.wrap{max-width:1140px;margin:0 auto;padding:0 24px;}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--blue);color:#fff;padding:10px 18px;border-radius:0 0 10px 0;z-index:1000;}
.skip-link:focus{left:0;}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:15px 30px;border-radius:50px;
  font-family:'Sora',sans-serif;font-weight:600;font-size:14px;text-decoration:none;
  border:none;cursor:pointer;transition:all .22s ease;white-space:nowrap;line-height:1;}
.btn-blue{background:var(--blue);color:#fff;box-shadow:0 4px 18px rgba(0,55,129,.28);}
.btn-blue:hover{background:var(--mid);transform:translateY(-2px);box-shadow:0 8px 28px rgba(0,55,129,.36);}
.btn-green{background:var(--wa);color:#fff;box-shadow:0 4px 18px rgba(37,211,102,.28);}
.btn-green:hover{background:#1fbb57;transform:translateY(-2px);box-shadow:0 8px 28px rgba(37,211,102,.36);}
.btn-gold{background:var(--grad-gold);color:var(--deep);box-shadow:0 4px 18px rgba(200,168,75,.35);font-weight:700;}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(200,168,75,.45);}
.btn-ghost{background:transparent;color:var(--blue);border:2px solid var(--blue);}
.btn-ghost:hover{background:var(--blue);color:#fff;transform:translateY(-2px);}
.btn-ghost-w{background:rgba(255,255,255,.08);color:#fff;border:2px solid rgba(255,255,255,.5);backdrop-filter:blur(6px);}
.btn-ghost-w:hover{background:rgba(255,255,255,.16);border-color:#fff;}

/* Section labels & headings */
.label{display:flex;align-items:center;gap:10px;margin-bottom:14px;}
.label-bar{width:32px;height:3px;background:var(--gold);border-radius:3px;flex:none;}
.label span{font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);}
.label.center{justify-content:center;}
.sec-h{font-family:'Lora',serif;font-size:clamp(28px,3.5vw,44px);font-weight:700;color:var(--navy);line-height:1.2;margin-bottom:14px;}
.sec-h.white{color:#fff;}
.sec-p{font-size:15px;color:var(--muted);line-height:1.75;font-weight:300;max-width:580px;}
.sec-p.white{color:rgba(255,255,255,.68);}
.sec-p.center{margin:0 auto;text-align:center;}
.sec-intro{text-align:center;margin-bottom:52px;}
.sec-intro .sec-p{margin:0 auto;}

/* Scroll reveal */
.rev{opacity:0;transform:translateY(28px);transition:opacity .6s ease,transform .6s ease;}
.rev.on{opacity:1;transform:none;}
.rev-l{opacity:0;transform:translateX(-28px);transition:opacity .6s ease,transform .6s ease;}
.rev-l.on{opacity:1;transform:none;}
.rev-r{opacity:0;transform:translateX(28px);transition:opacity .6s ease,transform .6s ease;}
.rev-r.on{opacity:1;transform:none;}
.d1{transition-delay:.1s;}.d2{transition-delay:.18s;}.d3{transition-delay:.26s;}
.d4{transition-delay:.34s;}.d5{transition-delay:.42s;}
@media(prefers-reduced-motion:reduce){
  .rev,.rev-l,.rev-r{opacity:1;transform:none;transition:none;}
  html{scroll-behavior:auto;}
}

/* ── SCROLL PROGRESS / BACK TO TOP ──────────────────────────── */
#scrollProgress{position:fixed;top:0;left:0;height:3px;width:0;z-index:950;
  background:var(--grad-gold);border-radius:0 3px 3px 0;}
#backTop{position:fixed;right:22px;bottom:96px;z-index:800;width:44px;height:44px;border-radius:50%;
  border:1px solid var(--border);background:var(--glass);backdrop-filter:blur(10px);
  color:var(--blue);font-size:18px;cursor:pointer;box-shadow:var(--sh2);
  opacity:0;pointer-events:none;transform:translateY(8px);transition:all .3s ease;}
#backTop.show{opacity:1;pointer-events:auto;transform:none;}
#backTop:hover{background:#fff;transform:translateY(-2px);}

/* ── FLOATING WHATSAPP ──────────────────────────────────────── */
#fab{position:fixed;right:20px;bottom:26px;z-index:801;width:58px;height:58px;border-radius:50%;
  background:var(--wa);display:flex;align-items:center;justify-content:center;font-size:26px;
  text-decoration:none;box-shadow:0 8px 28px rgba(37,211,102,.45);transition:transform .25s ease;}
#fab:hover{transform:scale(1.08) translateY(-2px);}

/* ── NAVBAR ─────────────────────────────────────────────────── */
#nav{position:fixed;top:0;left:0;right:0;z-index:900;
  background:rgba(255,255,255,.78);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(208,228,245,.7);transition:box-shadow .3s,background .3s;}
#nav.raised{box-shadow:var(--sh2);background:rgba(255,255,255,.94);}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px;}
.nav-brand{display:flex;align-items:center;gap:12px;text-decoration:none;}
.nav-logo{height:30px;width:auto;}
.nav-divider{width:1px;height:26px;background:var(--border);}
.nav-title{font-size:13px;font-weight:700;color:var(--blue);line-height:1.3;}
.nav-title small{display:block;font-size:11px;font-weight:400;color:var(--muted);}
.nav-links{display:flex;align-items:center;gap:2px;}
.nav-links a{font-size:13px;font-weight:500;color:var(--body);text-decoration:none;
  padding:7px 12px;border-radius:8px;transition:background .2s,color .2s;}
.nav-links a:hover{background:var(--sky);color:var(--blue);}
.nav-actions{display:flex;align-items:center;gap:10px;}
.nav-actions .btn{padding:10px 18px;font-size:12px;}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px;}
.burger span{display:block;width:22px;height:2px;background:var(--blue);border-radius:2px;transition:all .3s;}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.burger.open span:nth-child(2){opacity:0;}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

#drawer{display:none;position:fixed;top:68px;left:0;right:0;z-index:899;
  background:rgba(255,255,255,.96);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);
  padding:16px 24px 24px;flex-direction:column;gap:4px;box-shadow:var(--sh2);}
#drawer.open{display:flex;}
#drawer a{color:var(--body);text-decoration:none;font-weight:500;font-size:15px;
  padding:11px 14px;border-radius:10px;transition:background .2s;}
#drawer a:hover{background:var(--sky);color:var(--blue);}
.drawer-cta{margin-top:12px;display:flex;flex-direction:column;gap:10px;}

/* ── HERO ───────────────────────────────────────────────────── */
#hero{min-height:100vh;padding:130px 0 110px;background:var(--grad-hero);position:relative;overflow:hidden;}
.orb{position:absolute;border-radius:50%;pointer-events:none;}
.orb-1{width:640px;height:640px;top:-120px;right:-120px;
  background:radial-gradient(circle,rgba(0,157,224,.25) 0%,transparent 70%);}
.orb-2{width:420px;height:420px;bottom:-90px;left:-70px;
  background:radial-gradient(circle,rgba(200,168,75,.14) 0%,transparent 70%);}
.orb-3{width:300px;height:300px;top:40%;left:34%;
  background:radial-gradient(circle,rgba(255,255,255,.06) 0%,transparent 70%);}
.grid-lines{position:absolute;inset:0;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:60px 60px;
  mask-image:radial-gradient(ellipse at 30% 20%,black 0%,transparent 75%);}
.hero-grid{display:grid;grid-template-columns:1fr 430px;gap:64px;align-items:center;position:relative;z-index:1;}

.hero-pip{display:inline-flex;align-items:center;gap:9px;padding:7px 16px 7px 7px;border-radius:30px;
  background:rgba(200,168,75,.14);border:1px solid rgba(200,168,75,.32);backdrop-filter:blur(8px);margin-bottom:24px;}
.hero-pip .pip-dot{width:28px;height:28px;border-radius:50%;background:var(--gold);
  display:flex;align-items:center;justify-content:center;font-size:13px;}
.hero-pip span{font-size:12px;font-weight:600;color:var(--gold2);letter-spacing:.5px;}
.hero-h{font-family:'Lora',serif;font-size:clamp(36px,4.5vw,58px);font-weight:700;color:#fff;line-height:1.15;margin-bottom:20px;}
.hero-h em{font-style:italic;color:rgba(255,255,255,.62);}
.hero-accent{background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;color:transparent;}
.hero-p{font-size:16px;color:rgba(255,255,255,.72);line-height:1.8;font-weight:300;max-width:520px;margin-bottom:32px;}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:44px;}
.hero-stats{display:flex;gap:36px;flex-wrap:wrap;}
.hstat .num{font-family:'Lora',serif;font-size:30px;font-weight:700;color:#fff;}
.hstat .txt{font-size:12px;color:rgba(255,255,255,.55);margin-top:2px;letter-spacing:.4px;}

/* Glass agent card */
.agent-card{background:rgba(255,255,255,.1);backdrop-filter:blur(22px);-webkit-backdrop-filter:blur(22px);
  border:1px solid rgba(255,255,255,.22);border-radius:24px;padding:28px;
  box-shadow:0 24px 64px rgba(0,10,40,.45);position:relative;overflow:hidden;}
.agent-card::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.65),transparent);}
.agent-logo-card{background:#fff;border-radius:14px;padding:10px 18px;display:inline-flex;margin-bottom:20px;box-shadow:var(--sh1);}
.agent-logo-card img{height:26px;width:auto;}
.agent-card-top{display:flex;align-items:center;gap:16px;margin-bottom:18px;}
.agent-ring{width:84px;height:84px;border-radius:50%;padding:3px;flex:none;background:var(--grad-gold);}
.agent-ring img{width:100%;height:100%;border-radius:50%;object-fit:cover;object-position:top;border:3px solid rgba(0,20,70,.5);}
.agent-name{font-family:'Lora',serif;font-size:21px;font-weight:700;color:#fff;}
.agent-role{font-size:12.5px;color:var(--gold2);font-weight:600;margin-top:2px;}
.agent-co{font-size:11.5px;color:rgba(255,255,255,.6);margin-top:3px;}
.agent-code-chip{display:flex;align-items:center;justify-content:space-between;gap:10px;
  background:rgba(200,168,75,.14);border:1px dashed rgba(240,212,138,.5);border-radius:12px;
  padding:11px 15px;margin-bottom:18px;}
.agent-code-chip .lbl{font-size:10px;letter-spacing:1.8px;text-transform:uppercase;color:rgba(255,255,255,.65);font-weight:600;}
.agent-code-chip .code{font-family:'Lora',serif;font-size:19px;font-weight:700;color:var(--gold2);letter-spacing:2px;}
.info-rows{display:flex;flex-direction:column;gap:10px;margin-bottom:20px;}
.info-row{display:flex;align-items:center;gap:11px;font-size:13px;color:rgba(255,255,255,.82);}
.info-row .ir-icon{width:32px;height:32px;border-radius:9px;background:rgba(255,255,255,.1);
  display:flex;align-items:center;justify-content:center;font-size:14px;flex:none;}
.agent-wa{display:flex;align-items:center;justify-content:center;gap:8px;background:var(--wa);color:#fff;
  font-weight:700;font-size:14px;text-decoration:none;padding:15px;border-radius:14px;
  box-shadow:0 6px 22px rgba(37,211,102,.4);transition:all .22s ease;}
.agent-wa:hover{background:#1fbb57;transform:translateY(-2px);}

/* ── TRUST STRIP ────────────────────────────────────────────── */
#trust{position:relative;z-index:2;margin-top:-56px;padding-bottom:8px;}
.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border);
  border:1px solid var(--border);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh3);}
.ts-item{display:flex;align-items:center;gap:13px;padding:22px 24px;background:var(--glass);backdrop-filter:blur(14px);}
.ts-icon{font-size:24px;flex:none;}
.ts-text strong{display:block;font-size:13.5px;color:var(--navy);font-weight:700;}
.ts-text span{font-size:11.5px;color:var(--muted);}

/* ── ABOUT ──────────────────────────────────────────────────── */
#about{padding:110px 0 100px;background:var(--grad-soft);}
.about-grid{display:grid;grid-template-columns:400px 1fr;gap:70px;align-items:center;}
.photo-side{position:relative;}
.photo-frame{border-radius:26px;overflow:hidden;box-shadow:var(--sh3);position:relative;
  border:1px solid rgba(255,255,255,.7);}
.photo-frame::after{content:'';position:absolute;inset:0;
  background:linear-gradient(200deg,transparent 55%,rgba(0,31,91,.35) 100%);}
.photo-frame img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:top;}
.pip-badge{position:absolute;left:-22px;bottom:56px;display:flex;align-items:center;gap:11px;
  background:var(--glass);backdrop-filter:blur(14px);border:1px solid var(--glass-brd);
  border-radius:16px;padding:13px 18px;box-shadow:var(--sh2);z-index:2;}
.pip-badge .pb-icon{width:38px;height:38px;border-radius:11px;background:var(--grad-gold);
  display:flex;align-items:center;justify-content:center;font-size:17px;flex:none;}
.pip-badge strong{display:block;font-size:13px;color:var(--navy);}
.pip-badge span{font-size:11px;color:var(--muted);}
.rating-badge{position:absolute;right:-16px;top:34px;text-align:center;
  background:var(--glass);backdrop-filter:blur(14px);border:1px solid var(--glass-brd);
  border-radius:16px;padding:13px 20px;box-shadow:var(--sh2);z-index:2;}
.rating-badge .rb-num{font-family:'Lora',serif;font-size:24px;font-weight:700;color:var(--navy);}
.rating-badge .rb-stars{color:var(--gold);font-size:12px;letter-spacing:1.5px;}
.rating-badge .rb-txt{font-size:10.5px;color:var(--muted);margin-top:2px;}
.about-bio p{font-size:15px;color:var(--body);line-height:1.85;font-weight:300;margin-bottom:14px;}
.about-bio strong{font-weight:600;color:var(--navy);}
.creds{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:26px 0 30px;}
.cred{display:flex;gap:12px;align-items:flex-start;background:var(--glass);backdrop-filter:blur(10px);
  border:1px solid var(--glass-brd);border-radius:14px;padding:15px 16px;box-shadow:var(--sh1);}
.cred-icon{font-size:19px;flex:none;}
.cred-body strong{display:block;font-size:12.5px;color:var(--navy);font-weight:700;line-height:1.4;}
.cred-body span{font-size:11.5px;color:var(--muted);line-height:1.5;}
.about-btns{display:flex;gap:13px;flex-wrap:wrap;}

/* ── AFFILIATION (Allianz × PIP + agent code) ──────────────── */
#affiliation{padding:100px 0;background:var(--deep);position:relative;overflow:hidden;}
#affiliation .orb-a{position:absolute;width:560px;height:560px;border-radius:50%;top:-180px;left:-140px;
  background:radial-gradient(circle,rgba(0,87,168,.35) 0%,transparent 70%);pointer-events:none;}
#affiliation .orb-b{position:absolute;width:480px;height:480px;border-radius:50%;bottom:-160px;right:-120px;
  background:radial-gradient(circle,rgba(200,168,75,.16) 0%,transparent 70%);pointer-events:none;}
.affil-head{text-align:center;margin-bottom:48px;position:relative;z-index:1;}
.affil-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;position:relative;z-index:1;margin-bottom:26px;}
.affil-card{background:rgba(255,255,255,.06);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);
  border:1px solid rgba(255,255,255,.14);border-radius:22px;padding:34px;transition:transform .25s ease,border-color .25s ease;}
.affil-card:hover{transform:translateY(-4px);border-color:rgba(255,255,255,.28);}
.affil-logo-plate{background:#fff;border-radius:14px;padding:14px 22px;display:inline-flex;margin-bottom:22px;box-shadow:0 8px 24px rgba(0,0,0,.25);}
.affil-logo-plate img{height:34px;width:auto;}
.affil-emblem{width:62px;height:62px;border-radius:16px;background:var(--grad-gold);
  display:flex;align-items:center;justify-content:center;font-size:28px;margin-bottom:22px;
  box-shadow:0 8px 24px rgba(200,168,75,.3);}
.affil-card h3{font-family:'Lora',serif;font-size:22px;color:#fff;margin-bottom:10px;}
.affil-card p{font-size:13.5px;color:rgba(255,255,255,.62);line-height:1.8;font-weight:300;margin-bottom:16px;}
.affil-facts{display:flex;flex-direction:column;gap:9px;}
.affil-facts li{list-style:none;display:flex;gap:9px;font-size:12.5px;color:rgba(255,255,255,.78);line-height:1.5;}
.affil-facts li::before{content:'✓';color:var(--gold2);font-weight:700;flex:none;}
/* Big agent code plaque */
.code-plaque{position:relative;z-index:1;text-align:center;border-radius:22px;padding:38px 30px;
  background:linear-gradient(120deg,rgba(200,168,75,.16),rgba(200,168,75,.05) 45%,rgba(0,157,224,.1));
  border:1px solid rgba(240,212,138,.35);backdrop-filter:blur(14px);}
.code-plaque .cp-label{font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--gold2);margin-bottom:10px;}
.code-plaque .cp-code{font-family:'Lora',serif;font-size:clamp(38px,5vw,58px);font-weight:700;letter-spacing:6px;
  background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;color:transparent;line-height:1.1;}
.code-plaque .cp-note{font-size:12.5px;color:rgba(255,255,255,.6);margin-top:12px;font-weight:300;}
.code-plaque .cp-note strong{color:rgba(255,255,255,.85);font-weight:600;}
.cp-copy{margin-top:18px;display:inline-flex;align-items:center;gap:8px;padding:10px 22px;border-radius:40px;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.25);color:#fff;font-size:12.5px;font-weight:600;
  cursor:pointer;font-family:'Sora',sans-serif;transition:background .2s;}
.cp-copy:hover{background:rgba(255,255,255,.16);}

/* ── SERVICES ───────────────────────────────────────────────── */
#services{padding:110px 0;background:var(--white);}
.srv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-bottom:22px;}
.srv-row2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;max-width:764px;margin:0 auto;}
.srv{background:var(--grad-soft);border:1px solid var(--border);border-radius:var(--r);padding:30px 28px;
  text-decoration:none;display:flex;flex-direction:column;transition:all .28s ease;position:relative;overflow:hidden;}
.srv::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--grad-gold);
  transform:scaleX(0);transform-origin:left;transition:transform .35s ease;}
.srv:hover{transform:translateY(-6px);box-shadow:var(--sh3);border-color:transparent;}
.srv:hover::before{transform:scaleX(1);}
.srv-ic{width:56px;height:56px;border-radius:16px;display:flex;align-items:center;justify-content:center;
  font-size:25px;margin-bottom:18px;box-shadow:var(--sh1);}
.c1{background:linear-gradient(135deg,#E4F3FB,#CDE8F8);}
.c2{background:linear-gradient(135deg,#E7F8EE,#D2F0DE);}
.c3{background:linear-gradient(135deg,#FBF3DD,#F5E8C4);}
.c4{background:linear-gradient(135deg,#FDEDED,#F8D9D9);}
.c5{background:linear-gradient(135deg,#EEEBFB,#DFD9F5);}
.srv-h{font-family:'Lora',serif;font-size:19px;font-weight:700;color:var(--navy);margin-bottom:9px;}
.srv-p{font-size:13px;color:var(--muted);line-height:1.7;font-weight:300;margin-bottom:16px;flex:1;}
.srv-tags{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:18px;}
.srv-tag{font-size:10.5px;font-weight:600;color:var(--mid);background:rgba(255,255,255,.85);
  border:1px solid var(--border);padding:4px 10px;border-radius:20px;}
.srv-more{font-size:12.5px;font-weight:700;color:var(--blue);}
.srv-more::after{content:' →';transition:margin .2s;}
.srv:hover .srv-more::after{margin-left:4px;}

/* ── WHY ME ─────────────────────────────────────────────────── */
#why{padding:110px 0;background:var(--grad-soft);}
.why-grid{display:grid;grid-template-columns:1fr 1.25fr;gap:64px;align-items:center;}
.why-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.wcard{background:var(--glass);backdrop-filter:blur(12px);border:1px solid var(--glass-brd);
  border-radius:var(--r);padding:24px 22px;box-shadow:var(--sh1);transition:all .25s ease;}
.wcard:hover{transform:translateY(-4px);box-shadow:var(--sh2);}
.wcard .wi{font-size:24px;margin-bottom:12px;}
.wcard h4{font-size:14.5px;font-weight:700;color:var(--navy);margin-bottom:7px;}
.wcard p{font-size:12.5px;color:var(--muted);line-height:1.7;font-weight:300;}
.wcard.accent{grid-column:1/-1;background:linear-gradient(120deg,rgba(0,55,129,.05),rgba(0,157,224,.1));
  border-color:rgba(0,157,224,.3);}

/* ── HOW IT WORKS ───────────────────────────────────────────── */
#how{padding:100px 0;background:var(--grad-hero);position:relative;overflow:hidden;}
#how .grid-lines{mask-image:radial-gradient(ellipse at 50% 0%,black 0%,transparent 75%);}
.how-intro{text-align:center;margin-bottom:56px;position:relative;z-index:1;}
.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;position:relative;z-index:1;}
.hstep{background:rgba(255,255,255,.07);backdrop-filter:blur(16px);border:1px solid rgba(255,255,255,.15);
  border-radius:22px;padding:36px 30px;text-align:center;transition:all .25s ease;}
.hstep:hover{transform:translateY(-5px);border-color:rgba(240,212,138,.4);}
.step-n{width:52px;height:52px;margin:0 auto 20px;border-radius:50%;background:var(--grad-gold);
  display:flex;align-items:center;justify-content:center;font-family:'Lora',serif;font-size:23px;
  font-weight:700;color:var(--deep);box-shadow:0 8px 22px rgba(200,168,75,.35);}
.hstep h3{font-family:'Lora',serif;font-size:19px;color:#fff;margin-bottom:11px;}
.hstep p{font-size:13px;color:rgba(255,255,255,.62);line-height:1.75;font-weight:300;}

/* ── REVIEWS ────────────────────────────────────────────────── */
#reviews{padding:110px 0;background:var(--white);}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.rcard{background:var(--grad-soft);border:1px solid var(--border);border-radius:var(--r);
  padding:30px 28px;display:flex;flex-direction:column;transition:all .25s ease;}
.rcard:hover{transform:translateY(-5px);box-shadow:var(--sh2);}
.rstars{color:var(--gold);font-size:15px;letter-spacing:2px;margin-bottom:14px;}
.rtext{font-size:13.5px;color:var(--body);line-height:1.8;font-weight:300;font-style:italic;flex:1;margin-bottom:20px;}
.rauthor{display:flex;align-items:center;gap:12px;}
.ravatar{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--bright));
  color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;flex:none;}
.rname{font-size:13.5px;font-weight:700;color:var(--navy);}
.rloc{font-size:11.5px;color:var(--muted);}

/* ── LEAD FORM ──────────────────────────────────────────────── */
#lead{padding:110px 0;background:var(--grad-hero);position:relative;overflow:hidden;}
.lead-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:60px;align-items:center;position:relative;z-index:1;}
.lead-points{display:flex;flex-direction:column;gap:16px;margin:30px 0 34px;}
.lead-point{display:flex;gap:14px;align-items:flex-start;}
.lp-ic{width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);
  display:flex;align-items:center;justify-content:center;font-size:17px;flex:none;backdrop-filter:blur(8px);}
.lead-point strong{display:block;font-size:14px;color:#fff;font-weight:600;margin-bottom:3px;}
.lead-point span{font-size:12.5px;color:rgba(255,255,255,.6);line-height:1.6;font-weight:300;}
.lead-alt{font-size:13px;color:rgba(255,255,255,.65);font-weight:300;}
.lead-alt a{color:var(--gold2);font-weight:600;text-decoration:none;}
.lead-alt a:hover{text-decoration:underline;}

.form-card{background:rgba(255,255,255,.94);backdrop-filter:blur(24px);border:1px solid rgba(255,255,255,.8);
  border-radius:26px;padding:38px;box-shadow:0 32px 80px rgba(0,10,40,.5);}
.form-card h3{font-family:'Lora',serif;font-size:23px;color:var(--navy);margin-bottom:6px;}
.form-card .fc-sub{font-size:13px;color:var(--muted);font-weight:300;margin-bottom:26px;}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.f-group{margin-bottom:16px;}
.f-group label{display:block;font-size:11.5px;font-weight:700;color:var(--navy);letter-spacing:.6px;
  text-transform:uppercase;margin-bottom:7px;}
.f-group label .opt{color:var(--muted);font-weight:400;text-transform:none;letter-spacing:0;}
.f-group input,.f-group select,.f-group textarea{width:100%;padding:13px 16px;border-radius:12px;
  border:1.5px solid var(--border);background:var(--off);font-family:'Sora',sans-serif;font-size:14px;
  color:var(--dark);transition:border-color .2s,box-shadow .2s,background .2s;appearance:none;}
.f-group select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%236B7E9A'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;cursor:pointer;}
.f-group textarea{resize:vertical;min-height:88px;}
.f-group input:focus,.f-group select:focus,.f-group textarea:focus{outline:none;border-color:var(--bright);
  background:#fff;box-shadow:0 0 0 4px rgba(0,157,224,.12);}
.f-group input.err,.f-group select.err{border-color:#E05A5A;box-shadow:0 0 0 4px rgba(224,90,90,.1);}
.f-err{display:none;font-size:11.5px;color:#D14343;margin-top:5px;}
.f-err.show{display:block;}
.f-submit{width:100%;margin-top:6px;padding:17px;font-size:15px;border-radius:14px;}
.f-privacy{font-size:11px;color:var(--muted);text-align:center;margin-top:14px;line-height:1.6;font-weight:300;}
.form-success{display:none;text-align:center;padding:34px 10px;}
.form-success.show{display:block;}
.fs-icon{width:64px;height:64px;margin:0 auto 18px;border-radius:50%;background:linear-gradient(135deg,#18B960,#25D366);
  display:flex;align-items:center;justify-content:center;font-size:28px;color:#fff;box-shadow:0 10px 30px rgba(37,211,102,.35);}
.form-success h4{font-family:'Lora',serif;font-size:21px;color:var(--navy);margin-bottom:8px;}
.form-success p{font-size:13.5px;color:var(--muted);line-height:1.7;margin-bottom:20px;}

/* ── LOCATION ───────────────────────────────────────────────── */
#location{padding:110px 0;background:var(--grad-soft);}
.loc-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:36px;align-items:start;}
.pip-agency-banner{display:flex;align-items:center;gap:14px;border-radius:16px;padding:18px 22px;margin-bottom:18px;
  background:linear-gradient(120deg,rgba(200,168,75,.14),rgba(0,87,168,.08));border:1px solid rgba(200,168,75,.35);}
.pab-icon{width:44px;height:44px;border-radius:12px;background:var(--grad-gold);
  display:flex;align-items:center;justify-content:center;font-size:20px;flex:none;}
.pab-text strong{display:block;font-size:14px;color:var(--navy);}
.pab-text span{font-size:12px;color:var(--muted);}
.info-card{display:flex;gap:15px;background:var(--glass);backdrop-filter:blur(10px);border:1px solid var(--glass-brd);
  border-radius:16px;padding:18px 20px;margin-bottom:14px;box-shadow:var(--sh1);}
.ic-icon{font-size:20px;flex:none;}
.ic-body strong{display:block;font-size:13.5px;color:var(--navy);margin-bottom:4px;}
.ic-body span{font-size:12.5px;color:var(--body);line-height:1.7;font-weight:300;}
.ic-body a{color:var(--mid);text-decoration:none;font-weight:500;}
.ic-body a:hover{text-decoration:underline;}
.g-rating{display:flex;align-items:center;gap:8px;margin-top:4px;}
.g-stars{color:var(--gold);font-size:13px;letter-spacing:1px;}
.g-txt{font-size:12px;color:var(--muted);font-weight:500;}
.map-box{border-radius:22px;overflow:hidden;border:1px solid var(--border);box-shadow:var(--sh3);background:#fff;}
.map-box iframe{width:100%;height:430px;border:0;display:block;}
.map-footer{display:flex;align-items:center;gap:10px;padding:15px 20px;font-size:12.5px;color:var(--body);}
.map-dot{width:9px;height:9px;border-radius:50%;background:var(--green);flex:none;
  box-shadow:0 0 0 4px rgba(24,185,96,.18);}
.map-open{margin-left:auto;color:var(--blue);font-weight:700;text-decoration:none;font-size:12.5px;}
.map-open:hover{text-decoration:underline;}

/* ── FAQ ────────────────────────────────────────────────────── */
#faq{padding:110px 0;background:var(--white);}
.faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:12px;}
.faq-item{border:1px solid var(--border);border-radius:16px;overflow:hidden;background:var(--grad-soft);
  transition:box-shadow .25s ease;}
.faq-item:hover{box-shadow:var(--sh1);}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;text-align:left;
  padding:19px 24px;background:none;border:none;cursor:pointer;font-family:'Sora',sans-serif;
  font-size:14.5px;font-weight:600;color:var(--navy);}
.faq-arr{transition:transform .3s ease;color:var(--gold);flex:none;}
.faq-q.active .faq-arr{transform:rotate(180deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;}
.faq-a.open{max-height:320px;}
.faq-a p{padding:0 24px 20px;font-size:13.5px;color:var(--muted);line-height:1.8;font-weight:300;}
.faq-intro{text-align:center;margin-bottom:44px;}
.faq-intro a{color:var(--mid);}

/* ── CONTACT CTA ────────────────────────────────────────────── */
#contact{padding:60px 0 110px;background:var(--white);}
.cta-box{background:var(--grad-hero);border-radius:30px;padding:70px 50px;text-align:center;
  position:relative;overflow:hidden;box-shadow:var(--sh3);}
.cta-box::before{content:'';position:absolute;width:500px;height:500px;border-radius:50%;top:-200px;right:-140px;
  background:radial-gradient(circle,rgba(0,157,224,.3) 0%,transparent 70%);pointer-events:none;}
.cta-box::after{content:'';position:absolute;width:380px;height:380px;border-radius:50%;bottom:-160px;left:-100px;
  background:radial-gradient(circle,rgba(200,168,75,.16) 0%,transparent 70%);pointer-events:none;}
.cta-box>*{position:relative;z-index:1;}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-bottom:44px;}
.contact-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;max-width:860px;margin:0 auto;}
.cc{display:flex;flex-direction:column;align-items:center;gap:5px;text-decoration:none;
  background:rgba(255,255,255,.08);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.16);
  border-radius:16px;padding:18px 12px;transition:all .22s ease;}
.cc:hover{background:rgba(255,255,255,.16);transform:translateY(-3px);}
.ci{font-size:20px;}
.cn{font-size:12px;font-weight:700;color:#fff;}
.ch{font-size:10.5px;color:rgba(255,255,255,.55);text-align:center;word-break:break-word;}

/* ── FOOTER ─────────────────────────────────────────────────── */
footer{background:var(--deep);padding:64px 0 30px;color:rgba(255,255,255,.6);}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:48px;margin-bottom:44px;}
.foot-logo-plate{background:#fff;border-radius:12px;padding:9px 16px;display:inline-flex;margin-bottom:18px;}
.foot-logo-plate img{height:24px;width:auto;}
.foot-desc{font-size:13px;line-height:1.8;font-weight:300;margin-bottom:16px;}
.foot-code{display:inline-flex;align-items:center;gap:9px;padding:9px 16px;border-radius:12px;
  background:rgba(200,168,75,.1);border:1px dashed rgba(240,212,138,.4);}
.foot-code .lbl{font-size:10px;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,.5);font-weight:600;}
.foot-code .code{font-family:'Lora',serif;font-size:15px;font-weight:700;color:var(--gold2);letter-spacing:1.5px;}
.foot-col h5{font-size:13px;font-weight:700;color:#fff;margin-bottom:16px;letter-spacing:.5px;}
.foot-col ul{list-style:none;display:flex;flex-direction:column;gap:9px;}
.foot-col a{color:rgba(255,255,255,.6);text-decoration:none;font-size:12.5px;font-weight:300;transition:color .2s;}
.foot-col a:hover{color:var(--gold2);}
.foot-disclaimer{font-size:10.5px;line-height:1.7;color:rgba(255,255,255,.35);font-weight:300;
  border-top:1px solid rgba(255,255,255,.1);padding-top:22px;margin-bottom:18px;}
.foot-bottom{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:11.5px;}
.foot-bottom a{color:rgba(255,255,255,.55);text-decoration:none;}
.foot-bottom a:hover{color:var(--gold2);}

/* ── RESPONSIVE ─────────────────────────────────────────────── */
@media(max-width:1024px){
  .hero-grid{grid-template-columns:1fr 380px;gap:44px;}
  .about-grid{grid-template-columns:340px 1fr;gap:48px;}
  .why-grid{gap:44px;}
  .lead-grid{gap:40px;}
}
@media(max-width:900px){
  .nav-links{display:none;}
  .nav-actions{display:none;}
  .burger{display:flex;}
  .hero-grid{grid-template-columns:1fr;gap:48px;}
  .hero-p{max-width:none;}
  .agent-card{max-width:440px;}
  .trust-strip{grid-template-columns:1fr 1fr;}
  #trust{margin-top:-40px;}
  .about-grid{grid-template-columns:1fr;gap:56px;}
  .photo-side{max-width:400px;margin:0 auto;}
  .affil-grid{grid-template-columns:1fr;}
  .srv-grid{grid-template-columns:1fr 1fr;}
  .srv-row2{grid-template-columns:1fr 1fr;max-width:none;}
  .why-grid{grid-template-columns:1fr;}
  .how-grid{grid-template-columns:1fr;max-width:480px;margin:0 auto;}
  .rev-grid{grid-template-columns:1fr;max-width:560px;margin:0 auto;}
  .lead-grid{grid-template-columns:1fr;}
  .loc-grid{grid-template-columns:1fr;}
  .contact-grid{grid-template-columns:1fr 1fr;}
  .foot-grid{grid-template-columns:1fr;gap:34px;}
}
@media(max-width:600px){
  .wrap{padding:0 18px;}
  #hero{padding:110px 0 90px;}
  .hero-stats{gap:24px;}
  .trust-strip{grid-template-columns:1fr;}
  .srv-grid,.srv-row2{grid-template-columns:1fr;}
  .why-cards{grid-template-columns:1fr;}
  .creds{grid-template-columns:1fr;}
  .f-row{grid-template-columns:1fr;}
  .form-card{padding:28px 22px;}
  .cta-box{padding:52px 24px;}
  .pip-badge{left:8px;}
  .rating-badge{right:8px;}
  .code-plaque .cp-code{letter-spacing:3px;}
  #backTop{right:16px;bottom:92px;}
  #fab{right:16px;}
  .map-box iframe{height:320px;}
}