/* ============================================================
   Next Level Insurance Solutions — site styles
   Brand: forest green + gold
   ============================================================ */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --green-900:#0d3322;
  --green-800:#12462e;
  --green-700:#1a5b3b;
  --green-600:#236d49;
  --gold:#c6a24c;
  --gold-light:#e6cd86;
  --gold-dark:#9c7a2b;
  --cream:#f8f5ee;
  --cream-2:#f1ece0;
  --ink:#1c2a23;
  --muted:#5d6b62;
  --line:#e3ddcf;
  --white:#ffffff;
  --shadow:0 18px 50px -20px rgba(13,51,34,.28);
  --shadow-sm:0 6px 22px -12px rgba(13,51,34,.30);
  --radius:14px;
  --maxw:1160px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  color:var(--ink);
  background:var(--cream);
  line-height:1.65;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:1.12;color:var(--green-900);margin:0 0 .5em}
h1{font-size:clamp(2.4rem,5vw,3.9rem);letter-spacing:.2px}
h2{font-size:clamp(1.9rem,3.6vw,2.8rem)}
h3{font-size:1.4rem}
p{margin:0 0 1rem}
a{color:var(--green-700);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-family:'Inter',sans-serif;text-transform:uppercase;letter-spacing:.18em;font-size:.74rem;font-weight:700;color:var(--gold-dark)}
.center{text-align:center}
.lead{font-size:1.18rem;color:var(--muted)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.5em;
  font-weight:600;font-size:.98rem;letter-spacing:.01em;
  padding:.85em 1.6em;border-radius:999px;cursor:pointer;
  transition:transform .15s ease, box-shadow .2s ease, background .2s ease;
  border:1.5px solid transparent;
}
.btn-gold{background:linear-gradient(135deg,var(--gold-light),var(--gold));color:#3a2c06;box-shadow:var(--shadow-sm)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 30px -12px rgba(156,122,43,.6)}
.btn-green{background:var(--green-800);color:#fff}
.btn-green:hover{background:var(--green-700);transform:translateY(-2px)}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{background:transparent;border-color:var(--green-700);color:var(--green-800)}
.btn-outline:hover{background:var(--green-800);color:#fff}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(248,245,238,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:12px 24px;max-width:var(--maxw);margin:0 auto}
.brand{display:flex;align-items:center;gap:12px}
.brand img{height:66px;width:auto}
.brand-text{font-family:'Cormorant Garamond',serif;font-weight:700;font-size:1.15rem;color:var(--green-900);line-height:1.05}
.brand-text span{display:block;font-family:'Inter',sans-serif;font-weight:600;font-size:.6rem;letter-spacing:.22em;color:var(--gold-dark);text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.nav-links a{color:var(--ink);font-weight:500;font-size:.95rem;padding:8px 12px;border-radius:8px;position:relative}
.nav-links a:hover{color:var(--green-700)}
.nav-links a.active{color:var(--green-800)}
.nav-links a.active::after{content:"";position:absolute;left:12px;right:12px;bottom:2px;height:2px;background:var(--gold)}
.nav-cta{margin-left:6px}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--green-900);margin:5px 0;transition:.2s}

/* ---------- hero ---------- */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--green-900)}
.hero::before{content:"";position:absolute;inset:0;background:
   linear-gradient(120deg,rgba(13,51,34,.92) 0%,rgba(13,51,34,.78) 45%,rgba(13,51,34,.35) 100%),
   var(--hero-img) center/cover no-repeat;}
.hero-inner{position:relative;max-width:var(--maxw);margin:0 auto;padding:80px 24px 104px}
.hero-logo{display:inline-flex;background:rgba(255,255,255,.97);border-radius:20px;padding:20px 30px;box-shadow:0 20px 50px -18px rgba(0,0,0,.45);margin-bottom:30px}
.hero-logo img{height:104px;width:auto;display:block}
.hero .eyebrow{color:var(--gold-light)}
.hero h1{color:#fff;max-width:14ch;margin-top:.3em}
.hero p{max-width:54ch;color:rgba(255,255,255,.88);font-size:1.2rem}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero-stats{display:flex;flex-wrap:wrap;gap:38px;margin-top:54px;padding-top:30px;border-top:1px solid rgba(255,255,255,.2)}
.hero-stats div{min-width:120px}
.hero-stats b{display:block;font-family:'Cormorant Garamond',serif;font-size:2.3rem;color:var(--gold-light);line-height:1}
.hero-stats small{color:rgba(255,255,255,.8);font-size:.86rem;letter-spacing:.03em}

/* ---------- home hero (light / white) ---------- */
.hero-light{background:#fff;border-bottom:1px solid var(--line);padding:0}
.hero-light .wrap{padding:48px 24px 56px;text-align:center}
.hero-mark{height:360px;width:auto;max-width:100%;margin:0 auto 14px;display:block}
.hero-light h1{color:var(--green-900);margin:.1em auto .25em;max-width:18ch}
.hero-light .sub{font-size:1.2rem;color:var(--muted);max-width:58ch;margin:0 auto}
.hero-light .hero-cta{justify-content:center;margin-top:30px}
.hero-stats-light{display:flex;flex-wrap:wrap;justify-content:center;gap:42px;margin-top:46px;padding-top:30px;border-top:1px solid var(--line)}
.hero-stats-light div{min-width:120px}
.hero-stats-light b{display:block;font-family:'Cormorant Garamond',serif;font-size:2rem;color:var(--green-800);line-height:1}
.hero-stats-light small{color:var(--muted);font-size:.84rem;letter-spacing:.02em}

/* page hero (interior, shorter) */
.page-hero{position:relative;background:var(--green-900);color:#fff;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,rgba(13,51,34,.95),rgba(18,70,46,.8));}
.page-hero .wrap{position:relative;padding:70px 24px 64px}
.page-hero h1{color:#fff}
.page-hero p{color:rgba(255,255,255,.88);max-width:60ch}
.crumb{font-size:.82rem;color:rgba(255,255,255,.7);margin-bottom:14px;letter-spacing:.04em}
.crumb a{color:var(--gold-light)}

/* ---------- sections ---------- */
section{padding:84px 0}
.section-head{max-width:64ch;margin:0 auto 52px}
.section-head.center{text-align:center}
.bg-cream2{background:var(--cream-2)}
.bg-green{background:var(--green-900);color:#fff}
.bg-green h2,.bg-green h3{color:#fff}
.bg-green p{color:rgba(255,255,255,.85)}

/* cards */
.grid{display:grid;gap:26px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;box-shadow:var(--shadow-sm);transition:transform .18s ease,box-shadow .2s ease}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.card .ico{width:52px;height:52px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(135deg,var(--green-700),var(--green-900));color:var(--gold-light);margin-bottom:18px}
.card .ico svg{width:26px;height:26px}
.card h3{color:var(--green-900);margin-bottom:.35em}
.card p{color:var(--muted);font-size:.98rem;margin-bottom:.8em}
.card .more{font-weight:600;color:var(--green-700);font-size:.92rem}
.card.flat{box-shadow:none}

/* numbered steps */
.steps{display:grid;gap:30px;grid-template-columns:repeat(3,1fr);counter-reset:s}
.step{position:relative;padding-top:8px}
.step .n{font-family:'Cormorant Garamond',serif;font-size:2.6rem;color:var(--gold);line-height:1;display:block;margin-bottom:8px}
.step h3{color:var(--green-900)}
.step p{color:var(--muted);font-size:.97rem}

/* split / about */
.split{display:grid;grid-template-columns:0.9fr 1.1fr;gap:54px;align-items:center}
.split.rev{grid-template-columns:1.1fr 0.9fr}
.split img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;object-fit:cover}
.split .photo-frame{position:relative}
.split .photo-frame::after{content:"";position:absolute;inset:14px -14px -14px 14px;border:2px solid var(--gold);border-radius:var(--radius);z-index:-1}

/* team */
.team{display:grid;grid-template-columns:repeat(2,1fr);gap:30px}
.member{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm)}
.member img{width:100%;height:360px;object-fit:cover;object-position:center top}
.member .body{padding:24px 26px}
.member h3{margin-bottom:.1em}
.member .role{color:var(--gold-dark);font-weight:600;font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:.7em}
.member p{color:var(--muted);font-size:.96rem}

/* timing / list rows */
.rows{display:grid;gap:20px;grid-template-columns:repeat(3,1fr)}
.rowcard{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:10px;padding:26px}
.rowcard h3{font-size:1.2rem}
.rowcard p{color:var(--muted);font-size:.95rem;margin:0}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--green-800),var(--green-900));color:#fff;border-radius:20px;padding:56px;text-align:center;box-shadow:var(--shadow)}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.85);max-width:52ch;margin:0 auto 26px}

/* disclaimer box */
.disclaimer{background:var(--cream-2);border:1px solid var(--line);border-radius:10px;padding:20px 24px;font-size:.82rem;color:var(--muted);line-height:1.6}
.disclaimer.tight{margin-top:30px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:48px}
.contact-info .row{display:flex;gap:14px;padding:18px 0;border-bottom:1px solid var(--line)}
.contact-info .row:last-child{border-bottom:0}
.contact-info .ico{flex:0 0 42px;height:42px;border-radius:10px;background:var(--green-800);color:var(--gold-light);display:grid;place-items:center}
.contact-info .ico svg{width:20px;height:20px}
.contact-info .lbl{font-size:.74rem;text-transform:uppercase;letter-spacing:.14em;color:var(--gold-dark);font-weight:700}
.contact-info .val{font-size:1.05rem;color:var(--ink);font-weight:500}
form .field{margin-bottom:18px}
form label{display:block;font-size:.85rem;font-weight:600;color:var(--green-900);margin-bottom:6px}
form input,form textarea,form select{width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:10px;font:inherit;font-size:.98rem;background:#fff;color:var(--ink)}
form textarea{min-height:130px;resize:vertical}
form input:focus,form textarea:focus,form select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(198,162,76,.18)}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow-sm)}

/* placeholder highlight */
.ph{background:rgba(198,162,76,.16);border-bottom:1px dashed var(--gold-dark);padding:0 3px;border-radius:3px;font-style:normal;color:var(--gold-dark);font-weight:600}

/* ---------- footer ---------- */
.site-footer{background:var(--green-900);color:rgba(255,255,255,.82);padding:64px 0 30px;font-size:.92rem}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.13)}
.footer-brand img{height:64px;margin-bottom:16px}
.footer-brand .tag{font-family:'Cormorant Garamond',serif;font-size:1.2rem;color:var(--gold-light)}
.footer-brand p{max-width:42ch;color:rgba(255,255,255,.7);font-size:.9rem}
.site-footer h4{color:#fff;font-family:'Inter',sans-serif;font-size:.78rem;text-transform:uppercase;letter-spacing:.16em;margin-bottom:16px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.site-footer a{color:rgba(255,255,255,.78)}
.site-footer a:hover{color:var(--gold-light)}
.footer-legal{padding-top:26px;font-size:.78rem;color:rgba(255,255,255,.6);line-height:1.7}
.footer-legal .npn{color:rgba(255,255,255,.78);margin-bottom:10px;font-weight:500}
.footer-bottom{margin-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.78rem;color:rgba(255,255,255,.5)}

/* ---------- responsive ---------- */
@media(max-width:920px){
  .grid-3,.steps,.rows{grid-template-columns:1fr 1fr}
  .split,.split.rev,.contact-grid,.team{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr}
  .split .photo-frame::after{display:none}
}
@media(max-width:680px){
  body{font-size:16px}
  section{padding:60px 0}
  .grid-3,.grid-2,.steps,.rows,.team{grid-template-columns:1fr}
  .nav-links{display:none;position:absolute;top:78px;left:0;right:0;background:var(--cream);flex-direction:column;align-items:stretch;padding:12px 18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow-sm)}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 8px}
  .nav-toggle{display:block}
  .cta-band{padding:40px 24px}
  .hero-inner{padding:60px 24px 76px}
  .hero-mark{height:200px}
  .hero-light .wrap{padding:48px 24px 46px}
  .hero-stats-light{gap:26px}
  .brand img{height:52px}
  .footer-top{grid-template-columns:1fr}
}