:root{
  --primary:#00ace6;--primary-dark:#0090c2;--navy:#151535;--navy-2:#1d1d4a;
  --ink:#242424;--muted:#5f6470;--soft:#fef8f8;--line:#e7e9ef;--white:#fff;
  --radius:10px;--max:1170px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Fira Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);font-size:16px;line-height:1.65;background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}
a{color:var(--primary);text-decoration:none}
h1,h2,h3,h4{line-height:1.2;color:var(--navy);font-weight:700}
.container{max-width:var(--max);margin:0 auto;padding:0 16px}
.btn{display:inline-block;background:var(--primary);color:#fff;font-weight:600;padding:13px 28px;border:2px solid var(--primary);transition:.2s;cursor:pointer;font-size:15px;font-family:inherit}
.btn:hover{background:var(--primary-dark);border-color:var(--primary-dark)}
.btn-outline{background:transparent;color:#fff;border-color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;z-index:999;background:#fff;padding:8px}

/* Top bar */
.topbar{background:var(--navy);color:#cfd3e6;font-size:13px;border-bottom:1px solid rgba(255,255,255,.08)}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:10px;padding-bottom:10px}
.topbar .social{display:flex;gap:8px}
.topbar .social a{width:30px;height:30px;border-radius:50%;background:var(--primary);display:flex;align-items:center;justify-content:center}
.topbar .social svg{width:14px;height:14px;fill:#fff}
.topbar .info{display:flex;gap:28px}
.topbar .info a{color:#cfd3e6;display:flex;gap:10px;align-items:center}
.topbar .info b{color:#fff;display:block;font-size:14px}
.topbar .info svg{width:22px;height:22px;fill:var(--primary);flex:none}

/* Header */
.header{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.2)}
.header .container{display:flex;align-items:center;justify-content:space-between;height:84px}
.logo img{height:52px;width:auto}
.nav{display:flex;align-items:center;gap:6px}
.nav a{color:#fff;font-size:15px;padding:6px 12px;position:relative}
.nav a+a:not(.btn)::before{content:"";position:absolute;left:0;top:8px;bottom:8px;border-left:1px dashed rgba(255,255,255,.4)}
.nav a.active,.nav a:hover{color:var(--primary)}
.nav .btn{margin-left:20px;color:#fff;padding:11px 22px}
.nav .btn:hover{color:#fff}
.menu-toggle{display:none;background:none;border:0;color:#fff;cursor:pointer;padding:8px}
.menu-toggle svg{width:28px;height:28px;fill:#fff}

/* Hero */
.hero{position:relative;min-height:620px;display:flex;align-items:center;justify-content:center;text-align:center;color:#fff;background:#222 url(/assets/img/hero.webp?v=20261031) center/cover no-repeat}
.hero::before{content:"";position:absolute;inset:0;background:rgba(10,10,30,.55)}
.hero .inner{position:relative;padding:80px 16px 160px}
.hero .eyebrow{font-size:18px;margin-bottom:8px}
.hero h1{color:var(--primary);font-size:clamp(32px,5vw,52px);margin-bottom:10px}
.hero p{font-size:18px;margin-bottom:26px}
.hero-cards{position:relative;margin-top:-90px;z-index:2}
.hero-cards .grid{display:grid;grid-template-columns:repeat(3,1fr)}
.hero-card{background:var(--navy);color:#fff;display:flex;gap:16px;align-items:center;padding:30px 28px}
.hero-card:nth-child(2){background:var(--primary)}
.hero-card svg{width:42px;height:42px;fill:#fff;flex:none}
.hero-card b{display:block;font-size:18px}
.hero-card span{opacity:.85;font-size:14px}

/* Sections */
.section{padding:90px 0}
.section.tight{padding:70px 0}
.bg-primary{background:var(--primary);color:#fff}
.bg-soft{background:var(--soft)}
.title{text-align:center;max-width:780px;margin:0 auto 50px}
.title .kicker{display:inline-flex;align-items:center;gap:12px;font-size:clamp(28px,3.5vw,40px);font-weight:700;color:var(--navy)}
.title .kicker::before{content:"";width:46px;height:2px;background:currentColor}
.title .kicker mark{background:var(--primary);color:#fff;padding:0 10px}
.bg-primary .title .kicker{color:#fff}
.bg-primary .title .kicker mark{background:#fff;color:var(--primary)}
.title p{margin-top:16px;color:var(--muted)}
.bg-primary .title p{color:#eafaff}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.step{background:#fff;padding:34px 26px;box-shadow:0 10px 40px rgba(20,20,60,.08);position:relative;border-bottom:3px solid var(--primary);transition:transform .2s}
.step:hover{transform:translateY(-4px)}
.step svg{width:46px;height:46px;fill:var(--primary);margin-bottom:16px}
.step .num{position:absolute;top:18px;right:22px;font-size:42px;font-weight:800;color:#eef3f8}
.step h3{font-size:20px;margin-bottom:10px}
.step p{color:var(--muted);font-size:15px}

/* Services grid */
.services{display:grid;grid-template-columns:repeat(3,1fr);gap:40px 34px}
.service{display:flex;gap:16px}
.service svg{width:30px;height:30px;fill:#fff;flex:none;margin-top:4px}
.service h3{color:#fff;font-size:20px;margin-bottom:8px;padding-bottom:12px;position:relative}
.service h3::after{content:"";position:absolute;left:0;bottom:0;width:60px;height:2px;background:#fff}
.service p{color:#eafaff;font-size:15px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.card{background:#fff;padding:34px 28px;box-shadow:0 10px 40px rgba(20,20,60,.08);border-top:3px solid var(--primary)}
.card svg{width:44px;height:44px;fill:var(--primary);margin-bottom:14px}
.card h3{font-size:20px;margin-bottom:10px}
.card p{color:var(--muted);font-size:15px}

/* Team */
.team{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.team>*,.agents>*,.steps>*,.services>*,.cards>*,.about>*,.skills>*,.contact>*{min-width:0}
.title .kicker{flex-wrap:wrap;justify-content:center}
@media (max-width:640px){.title .kicker::before{display:none}.about .pic .badge{right:8px}}
.member .tag b{overflow-wrap:anywhere}
.member{text-align:center;cursor:pointer;background:none;border:0;font:inherit;color:inherit;padding:0}
.member .hex{width:220px;max-width:92%;margin:0 auto 0}
.member .hex img{width:100%;height:auto;transition:transform .3s}
.member:hover .hex img{transform:translateY(-4px)}
.member .tag{background:var(--primary);color:#fff;padding:14px 10px}
.member .tag b{display:block;font-size:17px}
.member .tag span{font-size:13px;opacity:.9}
.member:hover .tag,.member:focus-visible .tag{background:var(--navy)}

/* Agents */
.agents{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.agent{background:#fff;box-shadow:0 8px 30px rgba(20,20,60,.08);overflow:hidden;cursor:pointer;border:0;padding:0;font:inherit;color:inherit;text-align:left}
.agent img{width:100%;aspect-ratio:1;object-fit:contain;background:linear-gradient(180deg,#f3f8fc,#fff);padding:10px;transition:transform .3s}
.agent:hover img{transform:scale(1.04)}
.agent .name{padding:14px 18px;font-weight:700;color:var(--navy);display:flex;justify-content:space-between;align-items:center}
.agent .name small{color:var(--primary);font-weight:600}

/* Modal */
.modal{position:fixed;inset:0;background:rgba(10,10,30,.7);display:none;align-items:center;justify-content:center;z-index:200;padding:16px}
.modal.open{display:flex}
.modal .box{background:#fff;max-width:720px;width:100%;display:grid;grid-template-columns:240px 1fr;max-height:90vh;overflow:auto;position:relative}
.modal .box img{width:100%;height:100%;object-fit:contain;background:#f3f8fc;padding:12px}
.modal .txt{padding:30px}
.modal .txt h3{font-size:24px}
.modal .txt .role{color:var(--primary);font-weight:600;margin-bottom:12px}
.modal .txt p{color:var(--muted)}
.modal .close{position:absolute;top:8px;right:10px;background:none;border:0;font-size:30px;cursor:pointer;color:var(--navy);line-height:1}

/* Fun facts */
.facts{background:var(--navy);color:#fff;padding:60px 0}
.facts .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.facts b{display:block;font-size:44px;color:var(--primary);line-height:1.1}

/* Testimonials */
.testis{display:flex;gap:24px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 4px 24px;scrollbar-width:thin}
.testi{flex:0 0 calc((100% - 48px)/3);scroll-snap-align:start;background:#fff;padding:30px;box-shadow:0 8px 30px rgba(20,20,60,.08);border-left:3px solid var(--primary);display:flex;flex-direction:column}
.testi p{color:var(--muted);font-size:15px;flex:1;margin-bottom:18px}
.testi p::before{content:"\201C";font-size:46px;color:var(--primary);line-height:0;vertical-align:-18px;margin-right:4px}
.testi .who{display:flex;align-items:center;gap:12px}
.testi .who img{width:38px;height:38px;border-radius:50%;object-fit:cover}
.testi .who b{display:block;color:var(--navy)}
.testi .who span{font-size:13px;color:var(--muted)}
.slider-nav{display:flex;justify-content:center;gap:10px}
.slider-nav button{width:42px;height:42px;border-radius:50%;border:2px solid var(--primary);background:#fff;color:var(--primary);font-size:20px;cursor:pointer}
.slider-nav button:hover{background:var(--primary);color:#fff}

/* CTA */
.cta{background:linear-gradient(90deg,var(--navy),var(--navy-2));color:#fff;padding:60px 0}
.cta .container{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta h2{color:#fff;font-size:clamp(22px,3vw,30px)}
.cta .btns{display:flex;gap:12px;flex-wrap:wrap}

/* Page banner */
.banner{background:var(--navy) url(/assets/img/hero.webp?v=20261031) center 30%/cover;position:relative;color:#fff;text-align:center;padding:90px 16px}
.banner::before{content:"";position:absolute;inset:0;background:rgba(21,21,53,.82)}
.banner>*{position:relative}
.banner h1{color:#fff;font-size:clamp(30px,4vw,44px)}
.banner nav{margin-top:8px;font-size:15px;color:#cfd3e6}
.banner nav a{color:var(--primary)}

/* About */
.about{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.about h2{font-size:clamp(26px,3vw,36px);margin-bottom:18px}
.about p{color:var(--muted);margin-bottom:24px}
.about .pic{position:relative}
.about .pic .badge{position:absolute;right:-10px;bottom:-20px;background:#fff;padding:16px;box-shadow:0 10px 30px rgba(0,0,0,.12)}
.about .pic .badge img{height:64px;width:64px}
.skills{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.skills .item{display:flex;gap:16px;margin-bottom:24px}
.skills .item svg{width:40px;height:40px;fill:var(--primary);flex:none}
.skills .item h3{font-size:19px;margin-bottom:4px}
.skills .item p{color:var(--muted);font-size:15px}
.skills .intro{color:var(--muted);margin-bottom:28px}

/* Contact */
.contact{display:grid;grid-template-columns:1fr 1.2fr;gap:40px}
.info-list{display:flex;flex-direction:column;gap:22px;margin-top:24px}
.info-list .row{display:flex;gap:16px}
.info-list svg{width:46px;height:46px;padding:11px;background:var(--primary);fill:#fff;flex:none}
.info-list b{display:block;color:var(--navy)}
.info-list span,.info-list a{color:var(--muted)}
.hours{margin-top:30px;background:var(--soft);padding:24px}
.hours h3{margin-bottom:10px;font-size:19px}
.hours p{color:var(--muted);font-size:14px;margin-bottom:10px}
.hours table{width:100%;font-size:14px;border-collapse:collapse}
.hours td{padding:6px 0;border-bottom:1px dashed #e3d9d9}
.hours td:last-child{text-align:right;font-weight:600}
.form{background:#fff;box-shadow:0 10px 40px rgba(20,20,60,.1);padding:34px;border-top:3px solid var(--primary)}
.form h3{font-size:24px;margin-bottom:18px}
.form .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form label{display:block;font-size:14px;font-weight:600;color:var(--navy);margin:0 0 6px}
.form .field{margin-bottom:16px}
.form input,.form select,.form textarea{width:100%;border:1px solid #d6dae3;padding:12px 14px;font:inherit;font-size:15px;color:var(--ink);background:#fff;border-radius:0}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--primary);outline-offset:-1px;border-color:var(--primary)}
.form textarea{min-height:130px;resize:vertical}
.form .hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.form .msg{margin-top:14px;padding:12px 14px;display:none;font-size:15px}
.form .msg.ok{display:block;background:#e8f8ee;color:#176b36}
.form .msg.err{display:block;background:#fdecec;color:#a12525}
.form .btn:disabled{opacity:.6;cursor:default}
.map{margin-top:0;line-height:0}
.map iframe{width:100%;height:380px;border:0}

/* Portal */
.portal-btns{display:flex;gap:24px;justify-content:center;flex-wrap:wrap}
.portal-btns a{display:flex;flex-direction:column;align-items:center;gap:12px;width:240px;padding:40px 20px;background:#fff;box-shadow:0 10px 40px rgba(20,20,60,.1);border-top:3px solid var(--primary);color:var(--navy);font-weight:700;font-size:20px}
.portal-btns svg{width:56px;height:56px;fill:var(--primary)}
.portal-btns a:hover{transform:translateY(-4px);transition:.2s}

/* Legal */
.legal{max-width:860px;margin:0 auto}
.legal h2{font-size:22px;margin:32px 0 10px}
.legal h2:first-child{margin-top:0}
.legal p,.legal li{color:#444;margin-bottom:10px}
.legal ul{padding-left:22px;margin-bottom:12px}

/* Footer */
.footer{background:var(--navy);color:#b9bdd3;padding:60px 0 0}
.footer .grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:34px}
.footer h4{color:#fff;font-size:17px;margin-bottom:14px}
.footer a{color:#b9bdd3}
.footer a:hover{color:var(--primary)}
.footer ul{list-style:none}
.footer li{margin-bottom:8px;font-size:15px}
.footer .about-f img{height:46px;width:auto;margin-bottom:14px}
.footer .about-f p{font-size:14px}
.footer .bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:44px;padding:20px 0;font-size:14px;text-align:center}

/* Reveal */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* Responsive */
@media (max-width:991px){
  .topbar .info{display:none}
  .menu-toggle{display:block}
  .nav{position:absolute;top:84px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:10px 16px 20px;display:none;border-top:1px solid rgba(255,255,255,.1)}
  .nav.open{display:flex}
  .nav a{padding:12px 4px;border-bottom:1px solid rgba(255,255,255,.08)}
  .nav a+a:not(.btn)::before{display:none}
  .nav .btn{margin:12px 0 0;text-align:center}
  .steps,.team,.agents{grid-template-columns:repeat(2,1fr)}
  .services,.cards{grid-template-columns:repeat(2,1fr)}
  .about,.skills,.contact{grid-template-columns:1fr}
  .footer .grid{grid-template-columns:1fr 1fr}
  .testi{flex-basis:calc((100% - 24px)/2)}
  .facts .grid{grid-template-columns:repeat(2,1fr);row-gap:34px}
}
@media (max-width:640px){
  .section{padding:64px 0}
  .header .container{height:72px}
  .nav{top:72px}
  .logo img{height:42px}
  .hero{min-height:520px}
  .hero-cards .grid{grid-template-columns:1fr}
  .hero-cards{margin-top:-70px}
  .hero-card{padding:22px}
  .steps,.services,.cards,.footer .grid{grid-template-columns:1fr}
  .team,.agents{grid-template-columns:1fr 1fr;gap:16px}
  .member .tag b{font-size:15px}
  .testi{flex-basis:88%}
  .form{padding:24px}
  .form .two{grid-template-columns:1fr}
  .modal .box{grid-template-columns:1fr}
  .modal .box img{max-height:300px}
  .facts b{font-size:34px}
}

/* Stats bar below the banner so it does not cover the hero photo */
.hero-cards { margin-top: 0; }
.hero .inner { padding-bottom: 80px; }