:root {
  --black: #0A0A0A;
  --charcoal: #111111;
  --gold: #C9A96A;
  --gold-dark: #B08D57;
  --text: #F5F5F0;
  --muted: #D9D9D4;
  --soft: #8A8A85;
  --border: rgba(176, 141, 87, 0.2);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--black); color: var(--text); font-family: Inter, system-ui, sans-serif; }
a { color: inherit; text-decoration: none; }
.container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.site-header { position: fixed; inset: 0 0 auto 0; z-index: 20; background: rgba(0,0,0,.72); backdrop-filter: blur(16px); border-bottom: 1px solid var(--border); }
.header-inner { min-height: 76px; display: flex; align-items: center; justify-content: space-between; }
.brand, .footer-brand { color: var(--gold); font-family: 'Playfair Display', serif; letter-spacing: .24em; font-weight: 700; text-transform: uppercase; }
.main-nav { display: flex; gap: 34px; font-size: 12px; letter-spacing: .18em; text-transform: uppercase; }
.main-nav a { color: var(--muted); transition: color .25s ease; }
.main-nav a:hover { color: var(--gold); }
.menu-toggle { display: none; background: none; border: 1px solid var(--border); color: var(--gold); border-radius: 12px; padding: 8px 12px; font-size: 22px; }
.section-dark { background: var(--black); }
.section-charcoal { background: var(--charcoal); }
.hero { min-height: 100vh; position: relative; display: flex; align-items: center; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background: url('https://images.unsplash.com/photo-1497366754035-f200968a6e72?q=80&w=2070') center/cover; opacity: .34; transform: scale(1.04); }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(0,0,0,.52), #0A0A0A 94%), radial-gradient(circle at 70% 40%, rgba(201,169,106,.18), transparent 35%); }
.hero-content { position: relative; padding-top: 80px; }
.eyebrow { color: var(--gold); text-transform: uppercase; letter-spacing: .32em; font-size: 12px; font-weight: 700; }
h1, h2, h3 { font-family: 'Playfair Display', serif; margin: 0; font-weight: 600; }
h1 { color: var(--gold); font-size: clamp(48px, 8vw, 92px); line-height: .98; letter-spacing: -.03em; max-width: 850px; }
h2 { font-size: clamp(38px, 5vw, 62px); line-height: 1.04; }
h3 { color: var(--gold); font-size: 34px; }
p { color: var(--muted); line-height: 1.85; }
.hero-text { max-width: 680px; font-size: 19px; margin: 28px 0 36px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 52px; border-radius: 999px; padding: 0 28px; text-transform: uppercase; letter-spacing: .16em; font-size: 12px; font-weight: 700; transition: transform .25s ease, background .25s ease, border-color .25s ease; border: 1px solid transparent; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--gold-dark); color: #050505; }
.btn-primary:hover { background: var(--gold); }
.btn-secondary { border-color: var(--gold-dark); color: var(--gold); }
.btn-secondary:hover { background: rgba(176,141,87,.12); }
.intro, .services, .insurance-band, .clients, .contact { padding: 110px 0; border-top: 1px solid rgba(176,141,87,.1); }
.split, .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: start; }
.stats { padding: 48px 0; border-top: 1px solid rgba(176,141,87,.1); border-bottom: 1px solid rgba(176,141,87,.1); }
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; text-align: center; }
.stats strong { display: block; font-family: 'Playfair Display', serif; color: var(--gold); font-size: 48px; }
.stats span { color: var(--soft); text-transform: uppercase; letter-spacing: .14em; font-size: 12px; }
.section-heading { max-width: 760px; margin-bottom: 52px; }
.section-heading.centered { text-align: center; margin-left: auto; margin-right: auto; }
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card { background: rgba(0,0,0,.42); border: 1px solid var(--border); border-radius: 30px; padding: 38px; min-height: 360px; transition: border-color .25s ease, transform .25s ease; }
.service-card:hover { border-color: rgba(201,169,106,.55); transform: translateY(-4px); }
.icon-line { color: var(--gold); font-size: 12px; letter-spacing: .24em; }
.text-link { color: var(--gold); display: inline-block; margin-top: 14px; font-weight: 700; letter-spacing: .08em; }
.insurance-panel { padding: 72px; border: 1px solid var(--border); border-radius: 34px; text-align: center; background: linear-gradient(135deg, rgba(176,141,87,.14), rgba(0,0,0,.2)); }
.insurance-panel p { max-width: 760px; margin-left: auto; margin-right: auto; }
.client-list { display: flex; flex-wrap: wrap; gap: 14px; }
.client-list span { border: 1px solid var(--border); border-radius: 999px; padding: 13px 20px; color: var(--muted); background: rgba(255,255,255,.025); }
.contact-details { margin-top: 32px; }
.contact-form { display: grid; gap: 18px; }
.contact-form label { color: var(--gold); font-size: 12px; text-transform: uppercase; letter-spacing: .18em; display: grid; gap: 8px; }
input, select, textarea { width: 100%; border: 1px solid var(--border); background: #050505; color: var(--text); border-radius: 18px; padding: 17px 18px; font: inherit; outline: none; }
input:focus, select:focus, textarea:focus { border-color: var(--gold); }
.hidden { display: none; }
.site-footer { background: #000; border-top: 1px solid rgba(176,141,87,.1); padding: 36px 0; }
.footer-inner { display: flex; justify-content: space-between; gap: 24px; align-items: center; color: var(--soft); font-size: 14px; }
.site-footer a { color: var(--gold); }
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.thanks-page { min-height: 100vh; background: radial-gradient(circle at center, rgba(176,141,87,.12), transparent 40%), #0A0A0A; }
.thanks-wrap { min-height: 100vh; display: grid; place-items: center; padding: 24px; }
.thanks-card { width: min(720px, 100%); border: 1px solid var(--border); border-radius: 34px; padding: 52px; text-align: center; background: rgba(0,0,0,.48); }
.thanks-card h1 { font-size: clamp(38px, 5vw, 62px); }
@media (max-width: 860px) {
  .menu-toggle { display: block; }
  .main-nav { position: fixed; top: 76px; left: 0; right: 0; display: none; flex-direction: column; gap: 0; background: rgba(0,0,0,.96); border-bottom: 1px solid var(--border); }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 18px 24px; border-top: 1px solid rgba(176,141,87,.12); }
  .split, .contact-grid, .stats-grid, .cards-grid { grid-template-columns: 1fr; }
  .intro, .services, .insurance-band, .clients, .contact { padding: 78px 0; }
  .insurance-panel { padding: 42px 24px; }
  .footer-inner { flex-direction: column; text-align: center; }
  .brand { letter-spacing: .16em; font-size: 14px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal, .btn, .service-card { transition: none; }
}