/* ============================================
   THE BEACH AGENCY - Main Stylesheet
   Color Palette:
   --maroon:   #7B1A1A  (primary)
   --gold:     #C9A84C  (accent)
   --cream:    #F5F0E8  (background)
   --dark:     #1A1A1A  (text)
   --white:    #FFFFFF
============================================ */

:root {
  --maroon:       #7B1A1A;
  --maroon-dark:  #5C1212;
  --maroon-light: #9B2A2A;
  --gold:         #C9A84C;
  --gold-light:   #E2C070;
  --cream:        #F5F0E8;
  --cream-dark:   #EAE3D4;
  --dark:         #1A1A1A;
  --gray:         #555555;
  --light-gray:   #F0F0F0;
  --white:        #FFFFFF;
  --shadow:       0 4px 20px rgba(0,0,0,0.1);
  --shadow-lg:    0 8px 40px rgba(0,0,0,0.15);
  --radius:       8px;
  --radius-lg:    16px;
  --transition:   0.3s ease;
  --font-head:    'Georgia', 'Times New Roman', serif;
  --font-body:    'Segoe UI', Arial, sans-serif;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--dark);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--maroon); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
ul { list-style: none; }

/* ---- Typography ---- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-head);
  line-height: 1.25;
  color: var(--dark);
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.75rem); }
h4 { font-size: 1.2rem; }
p { margin-bottom: 1rem; color: var(--gray); }
p:last-child { margin-bottom: 0; }

/* ---- Utility ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 50px 0; }
.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-maroon { color: var(--maroon) !important; }
.text-gold { color: var(--gold) !important; }
.bg-maroon { background: var(--maroon); }
.bg-cream { background: var(--cream); }
.bg-dark { background: var(--dark); }

.section-label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.section-title {
  margin-bottom: 1rem;
}
.section-subtitle {
  font-size: 1.1rem;
  color: var(--gray);
  max-width: 650px;
  margin: 0 auto 2.5rem;
}
.divider {
  width: 60px;
  height: 3px;
  background: var(--gold);
  margin: 1rem auto 2rem;
  border-radius: 2px;
}
.divider-left { margin-left: 0; }

/* ---- Buttons ---- */
.btn {
  display: inline-block;
  padding: 0.85rem 2rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.03em;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  text-align: center;
}
.btn-primary {
  background: var(--maroon);
  color: var(--white);
  border-color: var(--maroon);
}
.btn-primary:hover {
  background: var(--maroon-dark);
  border-color: var(--maroon-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(123,26,26,0.35);
}
.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-secondary:hover {
  background: var(--white);
  color: var(--maroon);
  transform: translateY(-2px);
}
.btn-gold {
  background: var(--gold);
  color: var(--dark);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.4);
}
.btn-outline {
  background: transparent;
  color: var(--maroon);
  border-color: var(--maroon);
}
.btn-outline:hover {
  background: var(--maroon);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-lg { padding: 1rem 2.5rem; font-size: 1.05rem; }
.btn-sm { padding: 0.6rem 1.4rem; font-size: 0.875rem; }

/* ============================================
   NAVIGATION
============================================ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  box-shadow: 0 2px 20px rgba(0,0,0,0.08);
  transition: all var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 4px 30px rgba(0,0,0,0.12);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 2rem;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}
.nav-logo img {
  height: 50px;
  width: auto;
}
.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-logo-text .agency-name {
  font-family: var(--font-head);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--maroon);
  letter-spacing: 0.02em;
}
.nav-logo-text .agency-tagline {
  font-size: 0.7rem;
  color: var(--gray);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.nav-links a {
  padding: 0.5rem 0.85rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--dark);
  border-radius: var(--radius);
  transition: all var(--transition);
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--maroon);
  background: rgba(123,26,26,0.06);
}
.nav-dropdown {
  position: relative;
}
.nav-dropdown > a::after {
  content: ' ▾';
  font-size: 0.7rem;
}
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 220px;
  padding: 0.5rem 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all var(--transition);
  border-top: 3px solid var(--maroon);
}
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: 0.6rem 1.25rem;
  font-size: 0.875rem;
  border-radius: 0;
  color: var(--dark);
}
.dropdown-menu a:hover {
  background: var(--cream);
  color: var(--maroon);
}
.nav-cta { margin-left: 0.5rem; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 0.5rem;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--dark);
  border-radius: 2px;
  transition: all var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Top bar */
.top-bar {
  background: var(--maroon);
  color: rgba(255,255,255,0.9);
  font-size: 0.8rem;
  padding: 0.4rem 0;
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.top-bar a { color: rgba(255,255,255,0.9); }
.top-bar a:hover { color: var(--gold); }
.top-bar-links { display: flex; gap: 1.5rem; align-items: center; }

/* ============================================
   HERO
============================================ */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--maroon-dark) 0%, var(--maroon) 50%, #9B3030 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 110px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-shape {
  position: absolute;
  right: -5%;
  top: 0;
  bottom: 0;
  width: 55%;
  background: rgba(255,255,255,0.04);
  clip-path: polygon(15% 0, 100% 0, 100% 100%, 0% 100%);
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 700px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(201,168,76,0.2);
  border: 1px solid rgba(201,168,76,0.4);
  color: var(--gold-light);
  padding: 0.4rem 1rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.hero h1 {
  color: var(--white);
  margin-bottom: 1.25rem;
  text-shadow: 0 2px 10px rgba(0,0,0,0.2);
}
.hero h1 span { color: var(--gold-light); }
.hero p {
  color: rgba(255,255,255,0.85);
  font-size: 1.15rem;
  margin-bottom: 2rem;
  max-width: 580px;
}
.hero-btns {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}
.hero-stats {
  display: flex;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.hero-stat {
  text-align: center;
}
.hero-stat .stat-num {
  font-family: var(--font-head);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
  line-height: 1;
}
.hero-stat .stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-top: 0.25rem;
}

/* ============================================
   TRUST BAR
============================================ */
.trust-bar {
  background: var(--cream);
  border-bottom: 1px solid var(--cream-dark);
  padding: 1.5rem 0;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--dark);
}
.trust-item svg { color: var(--maroon); flex-shrink: 0; }
.trust-sep { width: 1px; height: 24px; background: var(--cream-dark); }

/* ============================================
   SERVICES GRID
============================================ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  border-bottom: 3px solid transparent;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--maroon);
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: left;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 56px;
  height: 56px;
  background: rgba(123,26,26,0.08);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.5rem;
}
.service-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
  color: var(--dark);
}
.service-card p { font-size: 0.9rem; margin-bottom: 1rem; }
.service-card a {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--maroon);
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}
.service-card a:hover { gap: 0.6rem; }

/* ============================================
   WHY CHOOSE US
============================================ */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}
.why-content { }
.why-list { margin-top: 1.5rem; }
.why-item {
  display: flex;
  gap: 1rem;
  margin-bottom: 1.5rem;
  align-items: flex-start;
}
.why-icon {
  width: 48px;
  height: 48px;
  background: var(--maroon);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.2rem;
  flex-shrink: 0;
}
.why-text h4 { margin-bottom: 0.25rem; color: var(--dark); }
.why-text p { font-size: 0.9rem; margin: 0; }
.why-image-wrap {
  position: relative;
}
.why-image-wrap img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  width: 100%;
  aspect-ratio: 4/5;
  object-fit: cover;
}
.why-badge {
  position: absolute;
  bottom: -1.5rem;
  left: -1.5rem;
  background: var(--maroon);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.5rem;
  text-align: center;
  box-shadow: var(--shadow-lg);
}
.why-badge .badge-num {
  display: block;
  font-family: var(--font-head);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1;
}
.why-badge .badge-text { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; opacity: 0.85; }

/* ============================================
   TEAM PREVIEW
============================================ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}
.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all var(--transition);
  text-align: center;
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.team-card-img {
  width: 100%;
  aspect-ratio: 1;
  object-fit: cover;
  background: var(--cream);
}
.team-card-img-placeholder {
  width: 100%;
  aspect-ratio: 1;
  background: linear-gradient(135deg, var(--maroon) 0%, var(--maroon-dark) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
  color: rgba(255,255,255,0.3);
}
.team-card-body { padding: 1.5rem; }
.team-card-body h3 { font-size: 1.2rem; margin-bottom: 0.25rem; }
.team-card-body .title { color: var(--maroon); font-weight: 600; font-size: 0.85rem; margin-bottom: 0.75rem; }
.team-card-body p { font-size: 0.875rem; margin-bottom: 1rem; }
.team-card-contact { display: flex; gap: 0.5rem; justify-content: center; flex-wrap: wrap; }

/* ============================================
   TESTIMONIALS
============================================ */
.testimonials { background: var(--cream); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  position: relative;
}
.testimonial-card::before {
  content: '"';
  font-family: var(--font-head);
  font-size: 5rem;
  color: var(--maroon);
  opacity: 0.15;
  position: absolute;
  top: 0.5rem;
  left: 1.25rem;
  line-height: 1;
}
.stars { color: var(--gold); font-size: 1rem; margin-bottom: 1rem; }
.testimonial-card p { font-size: 0.95rem; font-style: italic; margin-bottom: 1.25rem; }
.testimonial-author { display: flex; align-items: center; gap: 0.75rem; }
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--maroon);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.author-info .name { font-weight: 700; font-size: 0.9rem; color: var(--dark); }
.author-info .location { font-size: 0.78rem; color: var(--gray); }

/* ============================================
   CTA SECTION
============================================ */
.cta-section {
  background: linear-gradient(135deg, var(--maroon-dark), var(--maroon));
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-section > * { position: relative; z-index: 1; }
.cta-section h2 { color: var(--white); margin-bottom: 1rem; }
.cta-section p { color: rgba(255,255,255,0.85); font-size: 1.1rem; max-width: 600px; margin: 0 auto 2rem; }
.cta-btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ============================================
   CONTACT INFO STRIP
============================================ */
.contact-strip {
  background: var(--dark);
  padding: 2rem 0;
}
.contact-strip-inner {
  display: flex;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
}
.contact-strip-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
}
.contact-strip-item a { color: rgba(255,255,255,0.85); }
.contact-strip-item a:hover { color: var(--gold); }
.contact-strip-icon {
  width: 40px;
  height: 40px;
  background: var(--maroon);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

/* ============================================
   FOOTER
============================================ */
.footer {
  background: #111111;
  color: rgba(255,255,255,0.75);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .footer-logo-text {
  font-family: var(--font-head);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.25rem;
}
.footer-brand p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  margin: 0.75rem 0 1.5rem;
}
.footer-socials { display: flex; gap: 0.75rem; }
.footer-social {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 0.85rem;
  transition: all var(--transition);
}
.footer-social:hover { background: var(--maroon); color: var(--white); }
.footer-col h4 {
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}
.footer-col ul li { margin-bottom: 0.6rem; }
.footer-col ul li a {
  color: rgba(255,255,255,0.6);
  font-size: 0.875rem;
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom {
  padding: 1.5rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.4); }
.footer-bottom a:hover { color: var(--gold); }

/* ============================================
   PAGE HERO (inner pages)
============================================ */
.page-hero {
  background: linear-gradient(135deg, var(--maroon-dark) 0%, var(--maroon) 100%);
  padding: 160px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero > .container { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 1rem; }
.page-hero p { color: rgba(255,255,255,0.85); font-size: 1.1rem; max-width: 650px; margin: 0 auto; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
  font-size: 0.8rem;
}
.breadcrumb a { color: rgba(255,255,255,0.65); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.4); }
.breadcrumb .current { color: var(--gold-light); font-weight: 600; }

/* ============================================
   COVERAGE CARDS
============================================ */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}
.coverage-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  border-left: 4px solid var(--maroon);
  transition: all var(--transition);
}
.coverage-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.coverage-card h3 { font-size: 1.15rem; margin-bottom: 0.75rem; color: var(--maroon); }
.coverage-card p { font-size: 0.9rem; margin-bottom: 1rem; }
.coverage-card ul { padding-left: 0; }
.coverage-card ul li {
  font-size: 0.875rem;
  padding: 0.3rem 0;
  color: var(--gray);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.coverage-card ul li::before {
  content: '✓';
  color: var(--maroon);
  font-weight: 700;
  flex-shrink: 0;
}

/* ============================================
   ABOUT / BIOS
============================================ */
.bio-section {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 3rem;
  align-items: start;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow);
  margin-bottom: 2rem;
}
.bio-section.reverse { direction: rtl; }
.bio-section.reverse > * { direction: ltr; }
.bio-photo {
  width: 100%;
  border-radius: var(--radius-lg);
  aspect-ratio: 3/4;
  object-fit: cover;
}
.bio-photo-placeholder {
  width: 100%;
  aspect-ratio: 3/4;
  background: linear-gradient(135deg, var(--maroon) 0%, var(--maroon-dark) 100%);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  color: rgba(255,255,255,0.25);
}
.bio-content h2 { margin-bottom: 0.25rem; }
.bio-content .bio-title { color: var(--maroon); font-weight: 600; margin-bottom: 1rem; }

/* ============================================
   CONTACT FORM
============================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 4rem;
  align-items: start;
}
.contact-info-block { }
.contact-info-item {
  display: flex;
  gap: 1rem;
  margin-bottom: 1.5rem;
  align-items: flex-start;
}
.contact-info-icon {
  width: 48px;
  height: 48px;
  background: var(--maroon);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-info-text h4 { margin-bottom: 0.2rem; font-size: 1rem; }
.contact-info-text p, .contact-info-text a { font-size: 0.9rem; margin: 0; }
.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}
.contact-form-wrap h3 { margin-bottom: 1.5rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 0.4rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid #ddd;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--dark);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--maroon);
  box-shadow: 0 0 0 3px rgba(123,26,26,0.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-success {
  display: none;
  background: #d4edda;
  border: 1px solid #c3e6cb;
  border-radius: var(--radius);
  padding: 1rem;
  color: #155724;
  font-size: 0.9rem;
  margin-top: 1rem;
}

/* ============================================
   HOURS TABLE
============================================ */
.hours-table { width: 100%; }
.hours-table tr { border-bottom: 1px solid var(--cream-dark); }
.hours-table td { padding: 0.6rem 0; font-size: 0.9rem; }
.hours-table td:last-child { text-align: right; font-weight: 600; color: var(--maroon); }
.map-placeholder {
  background: var(--cream);
  border-radius: var(--radius-lg);
  height: 300px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px dashed var(--cream-dark);
  color: var(--gray);
  font-size: 0.9rem;
  text-align: center;
  padding: 2rem;
  margin-top: 1.5rem;
}

/* ============================================
   STAFF GRID
============================================ */
.staff-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
}
.staff-card {
  text-align: center;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow);
  transition: all var(--transition);
}
.staff-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.staff-avatar {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  margin: 0 auto 1rem;
  background: linear-gradient(135deg, var(--maroon), var(--maroon-dark));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  color: rgba(255,255,255,0.3);
  overflow: hidden;
}
.staff-avatar img { width: 100%; height: 100%; object-fit: cover; }
.staff-card h4 { font-size: 1rem; margin-bottom: 0.2rem; }
.staff-card .role { color: var(--maroon); font-size: 0.8rem; font-weight: 600; }

/* ============================================
   CARRIERS SECTION
============================================ */
.carriers-wrap {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  text-align: center;
}
.carriers-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  justify-content: center;
  margin-top: 1.5rem;
}
.carrier-badge {
  background: var(--white);
  border-radius: var(--radius);
  padding: 0.75rem 1.5rem;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--gray);
  box-shadow: var(--shadow);
  letter-spacing: 0.05em;
}

/* ============================================
   MISSION / INTRO BOXES
============================================ */
.mission-box {
  background: linear-gradient(135deg, var(--maroon-dark), var(--maroon));
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 3rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.mission-box::before {
  content: '"';
  font-family: var(--font-head);
  font-size: 15rem;
  color: rgba(255,255,255,0.05);
  position: absolute;
  top: -3rem;
  left: 1rem;
  line-height: 1;
}
.mission-box h2 { color: var(--white); margin-bottom: 1rem; }
.mission-box p { color: rgba(255,255,255,0.85); font-size: 1.1rem; max-width: 750px; margin: 0 auto; }

/* ============================================
   PAGE-SPECIFIC: LIFE & FINANCIAL
============================================ */
.product-tabs {
  display: flex;
  gap: 0.5rem;
  border-bottom: 2px solid var(--cream-dark);
  margin-bottom: 2.5rem;
  flex-wrap: wrap;
}
.product-tab {
  padding: 0.75rem 1.5rem;
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  border: none;
  background: none;
  color: var(--gray);
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: all var(--transition);
  font-family: var(--font-body);
}
.product-tab.active, .product-tab:hover {
  color: var(--maroon);
  border-bottom-color: var(--maroon);
}
.tab-content { display: none; }
.tab-content.active { display: block; }

/* ============================================
   ANIMATIONS
============================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
.animate-up { animation: fadeInUp 0.7s ease both; }
.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }

.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   RESPONSIVE
============================================ */
@media (max-width: 1024px) {
  .why-grid { grid-template-columns: 1fr; gap: 3rem; }
  .why-image-wrap { max-width: 500px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .bio-section { grid-template-columns: 240px 1fr; }
}

@media (max-width: 768px) {
  .section-pad { padding: 60px 0; }
  .hamburger { display: flex; }
  .nav-links {
    display: none;
    position: fixed;
    top: 72px; left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 1rem;
    box-shadow: 0 20px 40px rgba(0,0,0,0.12);
    max-height: calc(100vh - 72px);
    overflow-y: auto;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 0.85rem 1rem; border-radius: var(--radius); }
  .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border-top: none;
    background: var(--cream);
    border-radius: var(--radius);
    padding: 0.5rem 0;
    margin: 0.25rem 0 0.5rem 1rem;
    display: none;
  }
  .nav-dropdown.open .dropdown-menu { display: block; }
  .nav-cta { margin-top: 0.5rem; }
  .hero { padding-top: 90px; min-height: auto; padding-bottom: 60px; }
  .hero-stats { gap: 1.5rem; }
  .top-bar { display: none; }
  .navbar { top: 0; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .bio-section { grid-template-columns: 1fr; }
  .bio-section.reverse { direction: ltr; }
  .bio-photo-placeholder { aspect-ratio: 1; max-width: 250px; margin: 0 auto; }
  .contact-strip-inner { gap: 1.5rem; }
  .trust-sep { display: none; }
  .why-badge { position: static; margin-top: 1rem; display: inline-block; }
}

@media (max-width: 480px) {
  .hero-btns { flex-direction: column; }
  .cta-btns { flex-direction: column; align-items: center; }
  .hero-stats { flex-direction: column; gap: 1rem; }
  .hero-stat { display: flex; align-items: center; gap: 0.75rem; }
  .hero-stat .stat-num { font-size: 1.5rem; }
}