/* =============================================
   RESET & BASE
   ============================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --primary:       #1a56db;
  --primary-dark:  #1240a8;
  --primary-light: #e8f0fe;
  --accent:        #f59e0b;
  --dark:          #0f172a;
  --dark-mid:      #1e293b;
  --mid:           #475569;
  --light:         #f8fafc;
  --border:        #e2e8f0;
  --white:         #ffffff;
  --success:       #10b981;

  --font:    'Inter', system-ui, sans-serif;
  --radius:  12px;
  --radius-lg: 20px;
  --shadow:  0 4px 24px rgba(0,0,0,.08);
  --shadow-lg: 0 12px 48px rgba(0,0,0,.14);
  --transition: 0.25s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--dark);
  background: var(--white);
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* =============================================
   TYPOGRAPHY
   ============================================= */
h1, h2, h3, h4 { font-weight: 800; line-height: 1.15; letter-spacing: -.02em; }
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: 1.25rem; font-weight: 700; }

/* =============================================
   UTILITIES
   ============================================= */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.hidden { display: none !important; }

.accent { color: var(--primary); }

/* =============================================
   BUTTONS
   ============================================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 8px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
  text-decoration: none;
}

.btn-primary {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}
.btn-primary:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(26,86,219,.35);
}

.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-ghost {
  background: rgba(255,255,255,.12);
  color: var(--white);
  border-color: rgba(255,255,255,.35);
  backdrop-filter: blur(8px);
}
.btn-ghost:hover {
  background: rgba(255,255,255,.22);
  transform: translateY(-2px);
}

.btn-nav {
  background: var(--primary);
  color: var(--white) !important;
  padding: 10px 22px;
  font-size: .9rem;
}
.btn-nav:hover { background: var(--primary-dark); }

.btn-lg { padding: 18px 36px; font-size: 1.05rem; }
.btn-full { width: 100%; }

/* =============================================
   NAVBAR
   ============================================= */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 16px 0;
  transition: all var(--transition);
}

.navbar.scrolled {
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(16px);
  box-shadow: 0 2px 20px rgba(0,0,0,.08);
  padding: 10px 0;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.logo {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1px;
  line-height: 1;
}

.logo-name {
  font-size: 1.15rem;
  font-weight: 900;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--white);
  transition: color var(--transition);
}

.logo-sub {
  font-size: .6rem;
  font-weight: 400;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--primary-light);
  transition: color var(--transition);
  padding-left: 1px;
}

.navbar.scrolled .logo-name { color: var(--dark); }
.navbar.scrolled .logo-sub  { color: var(--primary); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  font-size: .95rem;
  font-weight: 500;
  color: rgba(255,255,255,.88);
  transition: color var(--transition);
}
.nav-links a:not(.btn):hover { color: var(--white); }
.navbar.scrolled .nav-links a:not(.btn) { color: var(--mid); }
.navbar.scrolled .nav-links a:not(.btn):hover { color: var(--primary); }

.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(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.navbar.scrolled .hamburger span { background: var(--dark); }

/* =============================================
   HERO
   ============================================= */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #0f172a 0%, #1a3a6e 45%, #1a56db 100%);
  z-index: 0;
}

.hero-bg::after {
  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-content {
  position: relative;
  z-index: 1;
  padding: 140px 24px 80px;
  max-width: 780px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.95);
  padding: 8px 16px;
  border-radius: 100px;
  font-size: .9rem;
  font-weight: 500;
  margin-bottom: 28px;
  backdrop-filter: blur(8px);
}

.hero-title {
  color: var(--white);
  margin-bottom: 24px;
}

.hero-title .accent {
  color: var(--accent);
}

.hero-sub {
  font-size: 1.2rem;
  color: rgba(255,255,255,.82);
  max-width: 600px;
  margin-bottom: 40px;
}

.hero-cta {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 64px;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.trust-num {
  font-size: 2rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1;
}

.trust-label {
  font-size: .8rem;
  color: rgba(255,255,255,.65);
  text-transform: uppercase;
  letter-spacing: .05em;
}

.trust-divider {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,.2);
}

.hero-scroll {
  position: absolute;
  bottom: 36px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.5);
  font-size: .8rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  cursor: pointer;
  z-index: 1;
}

.scroll-arrow {
  width: 20px; height: 20px;
  border-right: 2px solid rgba(255,255,255,.4);
  border-bottom: 2px solid rgba(255,255,255,.4);
  transform: rotate(45deg);
  animation: bounce 2s infinite;
}

@keyframes bounce {
  0%, 100% { transform: rotate(45deg) translateY(0); }
  50%       { transform: rotate(45deg) translateY(6px); }
}

/* =============================================
   SECTIONS (shared)
   ============================================= */
.section { padding: 96px 0; }
.section-dark { background: var(--dark-mid); color: var(--white); }
.section-light { background: var(--light); }
.section-form  { background: linear-gradient(135deg, #0f172a 0%, #1a3a6e 100%); }

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 64px;
}

.section-header.light h2,
.section-header.light p { color: var(--white); }

.section-header p {
  margin-top: 16px;
  font-size: 1.1rem;
  color: var(--mid);
}

.section-tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  padding: 6px 14px;
  border-radius: 100px;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.section-dark .section-tag {
  background: rgba(26,86,219,.25);
  color: #93c5fd;
}

/* =============================================
   PRODUCTS
   ============================================= */
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.products-grid .product-card:nth-child(4) { grid-column: 1; }
.products-grid .product-card:nth-child(5) { grid-column: 2; }

.product-card {
  position: relative;
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.product-card:hover {
  border-color: var(--primary);
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.product-card.featured {
  border-color: var(--primary);
  background: linear-gradient(160deg, #f0f5ff 0%, #ffffff 100%);
  box-shadow: var(--shadow-lg);
}

.product-badge {
  position: absolute;
  top: -14px; left: 50%;
  transform: translateX(-50%);
  background: var(--primary);
  color: var(--white);
  padding: 4px 16px;
  border-radius: 100px;
  font-size: .78rem;
  font-weight: 700;
  white-space: nowrap;
}

.product-icon { font-size: 2.4rem; }

.product-card h3 { font-size: 1.2rem; color: var(--dark); }

.product-card p { color: var(--mid); font-size: .95rem; flex: 1; }

.product-features {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: .9rem;
  color: var(--dark);
}

.product-features li { display: flex; gap: 8px; align-items: flex-start; }

/* =============================================
   STEPS
   ============================================= */
.steps-grid {
  display: flex;
  align-items: flex-start;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 56px;
}

.step {
  flex: 1;
  min-width: 220px;
  max-width: 300px;
  text-align: center;
  padding: 40px 28px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
}

.step-num {
  font-size: 3rem;
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 20px;
  opacity: .7;
}

.step h3 { color: var(--white); margin-bottom: 12px; }
.step p { color: rgba(255,255,255,.68); font-size: .95rem; }

.step-arrow {
  font-size: 2rem;
  color: rgba(255,255,255,.25);
  align-self: center;
  padding-bottom: 20px;
}

.steps-cta { text-align: center; }

/* =============================================
   AGENT BIO
   ============================================= */
.agent-intro {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 64px;
  align-items: start;
}

.agent-photo {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.agent-avatar {
  width: 200px;
  height: 200px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--primary) 0%, #6366f1 100%);
  color: var(--white);
  font-size: 3.8rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  letter-spacing: -.02em;
  flex-shrink: 0;
  box-shadow: var(--shadow-lg);
}

.agent-avatar-img {
  width: 300px;
  height: 300px;
  border-radius: var(--radius-lg);
  object-fit: cover;
  object-position: center top;
  flex-shrink: 0;
  box-shadow: var(--shadow-lg);
}

.agent-bio .section-tag { margin-bottom: 16px; }
.agent-bio h2 { margin-bottom: 24px; line-height: 1.2; }
.bio-subtitle { display: block; font-size: 1.3rem; font-weight: 600; color: var(--mid); margin-top: 6px; }
.agent-bio p { color: var(--mid); margin-bottom: 16px; font-size: 1rem; }
.agent-bio .btn { margin-top: 8px; }

/* =============================================
   BENEFITS
   ============================================= */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.benefit {
  padding: 32px;
  border-radius: var(--radius-lg);
  background: var(--light);
  border: 2px solid var(--border);
  transition: all var(--transition);
}

.benefit:hover {
  border-color: var(--primary);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.benefit-icon { font-size: 2rem; margin-bottom: 16px; }
.benefit h3 { margin-bottom: 10px; }
.benefit p { color: var(--mid); font-size: .95rem; }

/* =============================================
   REVIEWS
   ============================================= */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.review {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all var(--transition);
}

.review:hover {
  border-color: var(--primary);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.review-stars {
  color: var(--accent);
  font-size: 1.2rem;
  letter-spacing: 3px;
  margin-bottom: 16px;
}

.review p {
  color: var(--mid);
  font-size: .95rem;
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.reviewer {
  display: flex;
  align-items: center;
  gap: 14px;
}

.reviewer-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, #6366f1 100%);
  color: var(--white);
  font-weight: 700;
  font-size: .85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.reviewer strong { display: block; font-size: .95rem; }
.reviewer span { font-size: .82rem; color: var(--mid); }

/* =============================================
   LEAD FORM
   ============================================= */
.form-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.form-left { color: var(--white); }
.form-left .section-tag {
  background: rgba(26,86,219,.3);
  color: #93c5fd;
}
.form-left h2 { color: var(--white); margin-bottom: 16px; }
.form-left > p { color: rgba(255,255,255,.75); margin-bottom: 32px; font-size: 1.05rem; }

.form-promise {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 40px;
}

.form-promise li {
  color: rgba(255,255,255,.85);
  font-size: 1rem;
}

.contact-direct { border-top: 1px solid rgba(255,255,255,.15); padding-top: 28px; }
.contact-direct p { color: rgba(255,255,255,.55); font-size: .9rem; margin-bottom: 10px; }
.phone-link {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  display: block;
  margin-bottom: 6px;
  transition: color var(--transition);
}
.phone-link:hover { color: var(--accent); }
.phone-hours { font-size: .85rem; color: rgba(255,255,255,.5); }

.form-right {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  box-shadow: var(--shadow-lg);
}

.lead-form { display: flex; flex-direction: column; gap: 20px; }

.form-group { display: flex; flex-direction: column; gap: 6px; }

.form-group label {
  font-size: .9rem;
  font-weight: 600;
  color: var(--dark);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 13px 16px;
  border: 2px solid var(--border);
  border-radius: 8px;
  font-size: .95rem;
  font-family: var(--font);
  color: var(--dark);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,86,219,.12);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
  border-color: #ef4444;
}

.field-error { font-size: .82rem; color: #ef4444; min-height: 18px; }

.checkbox-group { gap: 8px; }
.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .88rem;
  color: var(--mid);
  cursor: pointer;
}
.checkbox-label input { margin-top: 3px; flex-shrink: 0; width: 16px; height: 16px; accent-color: var(--primary); }
.checkbox-label .link { color: var(--primary); text-decoration: underline; }

.form-note { font-size: .8rem; color: var(--mid); text-align: center; }

.form-success {
  text-align: center;
  padding: 40px 20px;
}
.success-icon { font-size: 3rem; margin-bottom: 16px; }
.form-success h3 { font-size: 1.5rem; margin-bottom: 12px; color: var(--success); }
.form-success p { color: var(--mid); }
.success-sub { margin-top: 8px; font-size: .9rem; }

/* =============================================
   FOOTER
   ============================================= */
.footer { background: var(--dark); color: rgba(255,255,255,.7); padding: 72px 0 0; }

.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
}

.footer-brand .logo { color: var(--white); margin-bottom: 16px; }
.footer-brand p { font-size: .9rem; color: rgba(255,255,255,.55); line-height: 1.7; max-width: 280px; }

.footer-social {
  display: flex;
  gap: 12px;
  margin-top: 24px;
}
.footer-social a {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,.08);
  color: rgba(255,255,255,.7);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  font-weight: 700;
  transition: all var(--transition);
}
.footer-social a:hover { background: var(--primary); color: var(--white); }

.footer-links h4 { color: var(--white); font-size: .9rem; margin-bottom: 20px; text-transform: uppercase; letter-spacing: .05em; }
.footer-links ul { display: flex; flex-direction: column; gap: 12px; }
.footer-links li { font-size: .9rem; }
.footer-links a { color: rgba(255,255,255,.55); transition: color var(--transition); }
.footer-links a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 24px 0;
}
.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
}
.footer-bottom p { font-size: .82rem; color: rgba(255,255,255,.35); }
.footer-bottom a { color: rgba(255,255,255,.5); text-decoration: underline; }
.footer-bottom a:hover { color: var(--white); }

/* =============================================
   FLOATING CTA
   ============================================= */
.floating-cta {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  opacity: 0;
  transform: translateY(20px);
  transition: all var(--transition);
  pointer-events: none;
}

.floating-cta.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: all;
}

.floating-cta .btn {
  box-shadow: 0 8px 32px rgba(26,86,219,.45);
}

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .products-grid .product-card:nth-child(4),
  .products-grid .product-card:nth-child(5) { grid-column: auto; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .reviews-grid  { grid-template-columns: repeat(2, 1fr); }
  .footer-inner  { grid-template-columns: 1fr 1fr; gap: 40px; }
}

@media (max-width: 768px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--dark);
    flex-direction: column;
    gap: 0;
    padding: 16px 0;
    border-top: 1px solid rgba(255,255,255,.1);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 14px 24px; color: rgba(255,255,255,.85) !important; }
  .nav-links a:not(.btn):hover { background: rgba(255,255,255,.05); }
  .btn-nav { margin: 8px 24px; }

  .hamburger { display: flex; }
  .navbar { position: relative; background: transparent; }
  .navbar.scrolled { position: fixed; }

  .hero-content { padding-top: 100px; }
  .hero-cta { flex-direction: column; }
  .hero-trust { gap: 20px; }

  .section { padding: 64px 0; }

  .products-grid  { grid-template-columns: 1fr; }
  .reviews-grid   { grid-template-columns: 1fr; }
  .benefits-grid  { grid-template-columns: 1fr; }

  .steps-grid { flex-direction: column; align-items: center; }
  .step-arrow { transform: rotate(90deg); }

  .agent-intro { grid-template-columns: 1fr; gap: 32px; text-align: center; }
  .agent-bio .btn { width: 100%; }
  .agent-avatar { width: 140px; height: 140px; font-size: 2.6rem; margin: 0 auto; }
  .agent-avatar-img { width: 220px; height: 220px; margin: 0 auto; }

  .form-wrapper { grid-template-columns: 1fr; gap: 40px; }
  .form-right { padding: 32px 24px; }

  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom .container { flex-direction: column; text-align: center; }

  .floating-cta { bottom: 16px; right: 16px; }
}

@media (max-width: 480px) {
  .hero-trust .trust-divider { display: none; }
  .trust-item { min-width: 80px; }
}