:root{
  --ink:#08172f;--navy:#0a1b3d;--navy2:#122a58;--gold:#d8b56b;--cream:#f6f2ea;
  --paper:#f5f7fb;--white:#fff;--muted:#69758a;--line:rgba(10,27,61,.12);
  --shadow:0 24px 70px rgba(5,18,42,.12);--radius:24px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:"DM Sans",sans-serif;line-height:1.65;overflow-x:hidden}
a{text-decoration:none;color:inherit}button,input,select{font:inherit}.topbar{height:31px;background:#06132c;color:#dbe4f6;text-align:center;font-size:10px;letter-spacing:.03em;padding:7px 12px}.site-header{height:78px;background:rgba(255,255,255,.92);backdrop-filter:blur(16px);display:flex;align-items:center;justify-content:space-between;padding:0 clamp(24px,6vw,92px);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(10,27,61,.06)}
.brand{display:flex;align-items:center;gap:11px;font-weight:800;letter-spacing:-.04em}.brand-mark{width:36px;height:36px;border-radius:12px;background:linear-gradient(145deg,#183a72,#07162e);display:grid;place-items:center;color:#fff;font-family:Georgia;font-size:22px;box-shadow:0 8px 25px rgba(9,29,64,.25)}.brand-word{font-size:20px}.brand-word span{color:#b78b3d}.main-nav{display:flex;align-items:center;gap:34px;font-size:13px;font-weight:600}.main-nav a{transition:.25s}.main-nav a:hover{color:#9b7330}.nav-cta{background:var(--ink);color:#fff!important;padding:11px 18px;border-radius:9px}.nav-toggle{display:none;background:none;border:0}
.hero{min-height:720px;position:relative;background-size:cover;background-position:center;display:flex;align-items:center;padding:80px clamp(24px,8vw,120px);isolation:isolate}.hero-home{background-image:url("https://images.unsplash.com/photo-1511919884226-fd3cad34687c?auto=format&fit=crop&w=2200&q=88")}.hero-auto{min-height:650px;background-image:url("https://images.unsplash.com/photo-1503376780353-7e6692767b70?auto=format&fit=crop&w=2200&q=88")}.hero-home-insurance{min-height:650px;background-image:url("https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=2200&q=88")}.contact-hero{min-height:550px;background-image:linear-gradient(90deg,rgba(4,15,34,.94),rgba(4,15,34,.45)),url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=2200&q=88");background-size:cover;background-position:center;display:flex;align-items:center;padding:80px clamp(24px,8vw,120px);color:#fff}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,15,34,.95),rgba(4,15,34,.56) 48%,rgba(4,15,34,.2));z-index:-1}.hero-content{max-width:760px;color:#fff}.eyebrow,.section-kicker{font-size:11px;font-weight:800;letter-spacing:.22em;color:var(--gold);margin-bottom:16px}.hero h1{font-family:"Playfair Display",serif;font-size:clamp(50px,6.5vw,92px);line-height:1.02;letter-spacing:-.045em;margin:0 0 24px}.hero h1 em,.section h2 em,.luxury-band h2 em,.feature-dark h2 em,.cta-strip h2 em,.quote-intro-band h2 em{font-style:normal;color:#d9ba78}.hero p{max-width:650px;color:#d9e0ee;font-size:17px;margin:0 0 30px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;gap:14px;padding:15px 23px;border-radius:12px;font-size:13px;font-weight:800;transition:.3s;cursor:pointer}.btn-primary{background:#fff;color:var(--ink);box-shadow:0 12px 30px rgba(0,0,0,.15)}.btn-primary:hover{transform:translateY(-3px);box-shadow:0 18px 38px rgba(0,0,0,.2)}.btn-primary span{color:#a47832}.btn-ghost{color:#fff;border:1px solid rgba(255,255,255,.3)}.btn-ghost:hover{background:rgba(255,255,255,.1)}.btn-light{background:#f5f1e8;color:var(--ink)}.btn-ghost-dark{border:1px solid rgba(8,23,47,.2);color:var(--ink)}.hero-proof{margin-top:32px;font-size:12px;color:#cbd5e6}.hero-proof span{color:var(--gold)}.scroll-cue{position:absolute;bottom:30px;right:8vw;color:#fff;font-size:9px;letter-spacing:.25em;display:flex;align-items:center;gap:12px}.scroll-cue span{width:70px;height:1px;background:rgba(255,255,255,.55)}
.section{padding:120px clamp(24px,8vw,120px)}.statement{text-align:center;background:#fff}.statement h2,.section h2{font-family:"Playfair Display",serif;font-size:clamp(42px,5vw,68px);line-height:1.04;letter-spacing:-.04em;margin:0 0 22px}.statement-copy{max-width:650px;margin:0 auto;color:var(--muted);font-size:17px}.stat-row{max-width:900px;margin:70px auto 0;display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);padding-top:34px}.stat-row div{display:flex;flex-direction:column;gap:5px}.stat-row strong{font-family:"Playfair Display";font-size:38px}.stat-row span{font-size:11px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted)}
.section-heading{display:flex;justify-content:space-between;gap:60px;align-items:end;margin-bottom:50px}.section-heading>p{max-width:400px;color:var(--muted);font-size:15px}.service-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.service-card{min-height:530px;border-radius:28px;overflow:hidden;position:relative;color:#fff;background-size:cover;background-position:center;display:flex;align-items:flex-end;transition:.45s;box-shadow:var(--shadow)}.service-card:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(4,15,34,.05),rgba(4,15,34,.9))}.service-card:hover{transform:translateY(-8px)}.service-auto{background-image:url("https://images.unsplash.com/photo-1493238792000-8113da705763?auto=format&fit=crop&w=1400&q=85")}.service-home{background-image:url("https://images.unsplash.com/photo-1600607687939-ce8a6c25118c?auto=format&fit=crop&w=1400&q=85")}.service-number{position:absolute;top:28px;left:30px;font-family:"Playfair Display";font-size:28px;color:#fff}.service-content{position:relative;padding:35px;max-width:520px}.service-tag{font-size:10px;letter-spacing:.2em;color:#d9ba78;font-weight:800}.service-content h3{font-family:"Playfair Display";font-size:40px;line-height:1.08;margin:10px 0}.service-content p{color:#d8dfeb}.arrow{font-size:12px;font-weight:800}
.luxury-band{min-height:620px;display:grid;grid-template-columns:1.1fr .9fr;background:var(--navy);color:#fff}.band-image{background:linear-gradient(90deg,rgba(8,24,52,.2),rgba(8,24,52,.4)),url("https://images.unsplash.com/photo-1500530855697-b586d89ba3ee?auto=format&fit=crop&w=1600&q=85") center/cover}.band-content{display:flex;flex-direction:column;justify-content:center;padding:90px clamp(30px,7vw,100px)}.band-content h2{font-family:"Playfair Display";font-size:clamp(44px,5vw,68px);line-height:1.03;margin:0 0 20px}.band-content p{color:#c6d0df;max-width:450px;margin-bottom:30px}
.steps{background:#f5f7fb}.step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:60px}.step{padding:34px;border-top:1px solid var(--line)}.step span{font-family:"Playfair Display";font-size:24px;color:#9f7a39}.step h3{font-family:"Playfair Display";font-size:27px;margin:25px 0 10px}.step p{color:var(--muted);font-size:14px}.cta-strip{padding:90px clamp(24px,8vw,120px);display:flex;justify-content:space-between;align-items:center;gap:30px;background:#eceff5}.cta-strip h2{font-family:"Playfair Display";font-size:clamp(38px,4.5vw,58px);line-height:1.02;margin:0}
.intro-cards{background:#f6f7fa}.intro-cards>h2{margin-bottom:50px}.card-grid{display:grid;gap:18px}.card-grid.three{grid-template-columns:repeat(3,1fr)}.info-card{background:#fff;border:1px solid rgba(10,27,61,.06);padding:35px;border-radius:22px;min-height:260px;box-shadow:0 15px 45px rgba(10,27,61,.06);transition:.35s}.info-card:hover{transform:translateY(-7px);box-shadow:0 25px 60px rgba(10,27,61,.11)}.icon{font-size:27px;color:#b88c42}.info-card h3{font-family:"Playfair Display";font-size:25px;margin:25px 0 10px}.info-card p{color:var(--muted);font-size:14px}
.feature-dark{padding:120px clamp(24px,8vw,120px);background:linear-gradient(135deg,#081a3a,#112d5f);color:#fff;display:grid;grid-template-columns:1fr 1fr;gap:80px}.feature-copy h2{font-family:"Playfair Display";font-size:clamp(43px,5vw,68px);line-height:1.04;margin:0 0 20px}.feature-copy p{color:#c8d2e3;max-width:520px}.feature-list>div{padding:25px 0;border-top:1px solid rgba(255,255,255,.13)}.feature-list>div:last-child{border-bottom:1px solid rgba(255,255,255,.13)}.feature-list span{color:#d7b56d;font-family:"Playfair Display";margin-right:20px}.feature-list strong{font-size:18px}.feature-list p{margin:7px 0 0 55px;color:#aebbd0;font-size:13px}
.quote-intro-band{background:#fff;min-height:280px;padding:70px clamp(24px,8vw,120px);display:flex;align-items:center;justify-content:space-between;gap:40px;position:relative;overflow:hidden}.quote-intro-band h2{font-family:"Playfair Display";font-size:clamp(38px,4.5vw,58px);line-height:1.04;margin:0}.floating-car,.floating-house{position:absolute;right:-80px;bottom:-100px;width:450px;height:320px;background:url("https://images.unsplash.com/photo-1504215680853-026ed2a45def?auto=format&fit=crop&w=900&q=80") center/cover;border-radius:50%;opacity:.12;filter:grayscale(1)}.floating-house{background-image:url("https://images.unsplash.com/photo-1600566753190-17f0baa2a6c3?auto=format&fit=crop&w=900&q=80")}
.quote-wrap{padding:110px clamp(20px,7vw,100px);background:#f3f5f9}.quote-card{background:#fff;border-radius:28px;padding:clamp(28px,5vw,70px);max-width:1100px;margin:auto;box-shadow:var(--shadow)}.quote-card>h2{text-align:center;font-family:"Playfair Display";font-size:clamp(38px,4vw,55px);line-height:1.05;margin:0 0 15px}.quote-card>.eyebrow{text-align:center}.quote-intro{text-align:center;color:var(--muted);max-width:680px;margin:0 auto 35px}.callout{display:flex;justify-content:center;align-items:center;gap:14px;margin:25px 0 45px;text-align:left}.call-icon{width:48px;height:48px;border-radius:50%;background:#edf1f8;display:grid;place-items:center;font-size:20px}.callout strong{display:block}.callout small{display:block;color:var(--muted);font-size:11px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px 18px}.quote-form label{display:flex;flex-direction:column;gap:7px;font-size:11px;font-weight:700;color:#30405b}.quote-form input,.quote-form select{width:100%;height:48px;border:1px solid #dbe2ed;border-radius:10px;padding:0 14px;background:#fff;outline:0;color:var(--ink);transition:.2s}.quote-form input:focus,.quote-form select:focus{border-color:#a98446;box-shadow:0 0 0 4px rgba(169,132,70,.1)}.consent{display:flex!important;flex-direction:row!important;align-items:flex-start;gap:9px;margin-top:18px;font-size:10px!important;line-height:1.55;color:#667085!important;font-weight:500!important}.consent input{width:15px!important;height:15px!important;margin-top:2px;flex:0 0 auto}.submit-btn{width:100%;margin-top:28px;height:52px;border:0;border-radius:10px;background:var(--navy);color:#fff;font-weight:800;cursor:pointer;transition:.3s}.submit-btn:hover{background:#15376e;transform:translateY(-2px)}.submit-btn span{margin-left:12px;color:#d7b56d}
.contact-section{background:#f5f7fb}.contact-panel{background:#fff;border-radius:28px;box-shadow:var(--shadow);padding:60px;display:grid;grid-template-columns:1fr 1px 1fr;gap:60px;max-width:1000px;margin:auto}.contact-panel h2{font-family:"Playfair Display";font-size:36px;line-height:1.1;margin:0 0 16px}.contact-panel p{color:var(--muted)}.contact-big{display:block;font-family:"Playfair Display";font-size:26px;color:#a37735;margin-top:25px}.contact-divider{background:var(--line)}
.success-page{min-height:70vh;display:grid;place-items:center;padding:80px 20px;background:linear-gradient(135deg,#f7f5ef,#eef2f8)}.success-card{max-width:650px;text-align:center;background:#fff;padding:70px 50px;border-radius:28px;box-shadow:var(--shadow)}.success-icon{width:65px;height:65px;border-radius:50%;background:#0c2a5b;color:#fff;display:grid;place-items:center;font-size:27px;margin:0 auto 25px}.success-card h1,.legal-card h1{font-family:"Playfair Display";font-size:55px;line-height:1.05;margin:0 0 15px}.success-card p{color:var(--muted);margin-bottom:30px}
.legal-page{background:#f5f7fb}.legal-card{max-width:900px;margin:auto;background:#fff;padding:60px;border-radius:28px;box-shadow:var(--shadow)}.legal-card h2{font-family:"Playfair Display";font-size:28px;margin-top:35px}.legal-card p{color:var(--muted)}
.footer{position:relative;background:#06152f;color:#fff;padding:80px clamp(24px,8vw,120px) 25px;overflow:hidden}.footer-glow{position:absolute;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(191,151,75,.12),transparent 65%);right:-250px;top:-250px}.footer-grid{position:relative;display:grid;grid-template-columns:2fr 1fr 1fr;gap:80px;padding-bottom:65px}.footer-brand{margin-bottom:18px}.footer-copy{max-width:360px;color:#9eacc2;font-size:13px}.footer h4{font-size:13px;text-transform:uppercase;letter-spacing:.14em;color:#d8b56b;margin:0 0 18px}.footer-grid>div>a:not(.brand){display:block;color:#aebbd0;font-size:12px;margin:8px 0}.footer-phone,.footer-email{display:block;color:#e5ebf5;font-size:12px;margin-top:9px}.disclaimer{position:relative;background:#101c2f;border:1px solid rgba(255,255,255,.06);padding:18px 20px;border-radius:12px;color:#b5c0d0;font-size:9px;text-align:center}.disclaimer strong{color:#fff}.copyright{text-align:center;color:#72819a;font-size:10px;margin-top:28px}
.reveal{opacity:0;transform:translateY(28px);transition:opacity .8s ease,transform .8s ease}.reveal.visible{opacity:1;transform:none}.service-card.reveal.visible{transform:none}.service-card.reveal:not(.visible){transform:translateY(28px)}.service-card:hover.reveal.visible{transform:translateY(-8px)}
@media(max-width:850px){.main-nav{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:18px 24px;flex-direction:column;align-items:flex-start;gap:18px;box-shadow:0 15px 30px rgba(0,0,0,.1)}.main-nav.open{display:flex}.nav-toggle{display:flex;flex-direction:column;gap:5px}.nav-toggle span{width:24px;height:2px;background:var(--ink)}.hero{min-height:620px}.section-heading,.cta-strip,.quote-intro-band{flex-direction:column;align-items:flex-start}.service-grid,.feature-dark,.card-grid.three,.step-grid{grid-template-columns:1fr}.luxury-band{grid-template-columns:1fr}.band-image{min-height:360px}.stat-row{grid-template-columns:1fr;gap:28px}.contact-panel{grid-template-columns:1fr;padding:35px;gap:35px}.contact-divider{height:1px}.form-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:40px}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:520px){.topbar{font-size:8px}.site-header{height:68px}.main-nav{top:68px}.brand-word{font-size:17px}.hero{padding:70px 22px}.hero h1{font-size:48px}.section{padding:80px 22px}.quote-card{padding:28px 20px}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.success-card{padding:50px 25px}.success-card h1,.legal-card h1{font-size:43px}.legal-card{padding:35px 22px}}

/* ===================== LUXURY V2 ENHANCEMENT LAYER ===================== */
:root{--lux-gold:#e1bd73;--lux-blue:#123c7c;--lux-black:#020711}
body:before{content:"";position:fixed;inset:0;pointer-events:none;z-index:9999;opacity:.025;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 180 180' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.25'/%3E%3C/svg%3E")}
.topbar{background:linear-gradient(90deg,#01050d,#0a1e40,#01050d);position:relative;overflow:hidden}.topbar:after{content:"";position:absolute;top:0;bottom:0;width:180px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.12),transparent);transform:skewX(-20deg);animation:luxSweep 5s infinite}
.site-header{box-shadow:0 1px 0 rgba(255,255,255,.7) inset}.brand-mark{position:relative;overflow:hidden}.brand-mark:after{content:"";position:absolute;inset:-50%;background:linear-gradient(120deg,transparent 40%,rgba(255,255,255,.45),transparent 60%);animation:logoShine 4s infinite}
.hero:after,.mega-hero:after,.inner-hero:after,.contact-hero:after{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(circle at 18% 75%,rgba(214,179,106,.11),transparent 23%),radial-gradient(circle at 80% 20%,rgba(74,143,235,.11),transparent 26%);mix-blend-mode:screen}
.service-card,.info-card,.quote-card,.contact-panel{transform-style:preserve-3d}.service-card:after,.info-card:after{content:"";position:absolute;inset:0;border-radius:inherit;border:1px solid rgba(255,255,255,.18);pointer-events:none}
.service-card{background-blend-mode:normal;box-shadow:0 30px 90px rgba(3,14,34,.18),inset 0 1px 0 rgba(255,255,255,.2)}
.service-card:before{background:linear-gradient(180deg,rgba(2,8,20,.05),rgba(2,8,20,.18) 35%,rgba(2,8,20,.93))}
.info-card{position:relative;overflow:hidden}.info-card:before{content:"";position:absolute;width:220px;height:220px;border-radius:50%;right:-140px;top:-140px;background:radial-gradient(circle,rgba(214,179,106,.15),transparent 68%);transition:.5s}.info-card:hover:before{transform:scale(1.5)}
.quote-card{border:1px solid rgba(255,255,255,.75);box-shadow:0 35px 100px rgba(3,14,34,.13),0 1px 0 #fff inset}.quote-card:before{content:"";display:block;position:absolute;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(214,179,106,.11),transparent 65%);margin:-110px 0 0 -110px;pointer-events:none}.quote-card{position:relative;overflow:hidden}
.footer{background:radial-gradient(circle at 75% 0%,#123568,#020a18 40%)}
@keyframes luxSweep{0%{left:-220px}55%,100%{left:110%}}@keyframes logoShine{0%,55%{transform:translateX(-80%) rotate(20deg)}100%{transform:translateX(120%) rotate(20deg)}}
@media (prefers-reduced-motion:reduce){*,*:before,*:after{animation-duration:.001ms!important;animation-iteration-count:1!important;scroll-behavior:auto!important;transition-duration:.001ms!important}}