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

:root {
  --orange:    #FF8B42;
  --orange-lt: #FF6B22;
  --orange-dk: #FF4400;
  --navy:      #2B3D4F;
  --navy-lt:   #3A5268;
  --dark:      #09090B;
  --mid:       #4A5568;
  --muted:     #718096;
  --light:     #F7F8FA;
  --white:     #FFFFFF;
  --border:    #E2E8F0;
  --radius:    14px;
  --radius-sm: 8px;
  --shadow:    0 2px 16px rgba(0,0,0,.07);
  --shadow-md: 0 6px 28px rgba(0,0,0,.11);
  --shadow-lg: 0 12px 48px rgba(0,0,0,.14);
  --font-serif: 'Playfair Display', Georgia, serif;
  --font-sans:  'Inter', system-ui, sans-serif;
  --nav-h: 68px;
  --gradient: linear-gradient(135deg, #2B3D4F, #4A7BA5, #E9C49F, #FF8B42, #FF4400);
}

html { scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  color: var(--navy);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img  { display: block; max-width: 100%; }
a    { color: inherit; text-decoration: none; }
ul   { list-style: none; }

/* ── LAYOUT ───────────────────────────────────── */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
}

.section      { padding: 80px 0; }
.section-alt  { background: var(--light); padding: 80px 0; }

/* ── BUTTONS ──────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: .9rem;
  border-radius: 40px;
  padding: .7rem 1.6rem;
  cursor: pointer;
  transition: all .2s ease;
  border: 2px solid transparent;
  white-space: nowrap;
  letter-spacing: .01em;
}
.btn-primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-primary:hover {
  background: var(--navy-lt);
  border-color: var(--navy-lt);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(26,35,51,.22);
}
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-ghost:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-1px);
}
.btn-dark {
  background: var(--dark);
  color: var(--white);
  border-color: var(--dark);
  border-radius: var(--radius-sm);
  width: 100%;
  justify-content: center;
  font-size: .88rem;
  padding: .65rem 1.2rem;
}
.btn-dark:hover {
  background: var(--navy-lt);
  border-color: var(--navy-lt);
}
.btn-orange {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
}
.btn-orange:hover {
  background: var(--orange-lt);
  box-shadow: 0 6px 20px rgba(212,119,58,.3);
  transform: translateY(-1px);
}
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.5);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
}
.btn-lg  { padding: .85rem 2rem; font-size: .95rem; }
.btn-sm  { padding: .5rem 1.1rem; font-size: .82rem; }
.btn-block { display: flex; }

/* ── NAV ──────────────────────────────────────── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow .2s;
}
.nav::before {
  content: '';
  display: block;
  height: 4px;
  background: var(--gradient);
}
.nav-inner { height: var(--nav-h); }
.nav.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,.09); }

.nav-inner {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 28px;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: .55rem;
  flex-shrink: 0;
}
.nav-logo-icon {
  width: 40px; height: 40px;
  background: linear-gradient(to right, hsl(208,38%,47%), hsl(30,63%,77%), hsl(23,100%,63%));
  color: var(--white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1.25rem;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(255,139,66,.35);
}
.nav-logo-name {
  display: block;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.5rem;
  letter-spacing: -0.03em;
  color: #000;
  line-height: 1.1;
}
.nav-logo-sub {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: .62rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  /* gradient text: navy → deep orange */
  background: linear-gradient(to right, #2B3D4F, #FF4400);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: .15rem;
}
.nav-link {
  font-size: .875rem;
  font-weight: 500;
  color: var(--mid);
  padding: .4rem .7rem;
  border-radius: 6px;
  transition: color .15s, background .15s;
  position: relative;
}
.nav-link:hover { color: var(--navy); background: var(--light); }
.nav-link.active {
  color: var(--orange);
  font-weight: 600;
}
.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 50%;
  transform: translateX(-50%);
  width: 18px; height: 2px;
  background: var(--orange);
  border-radius: 2px;
}

.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-hamburger span {
  width: 22px; height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all .2s;
}
.nav-mobile {
  display: none;
  flex-direction: column;
  padding: 16px 24px 24px;
  border-top: 1px solid var(--border);
  background: var(--white);
}
.nav-mobile.open { display: flex; }
.nav-mobile-link {
  font-size: .95rem;
  font-weight: 500;
  color: var(--navy);
  padding: .65rem 0;
  border-bottom: 1px solid var(--border);
}

/* ── HERO BANNER ──────────────────────────────── */
.hero-banner {
  margin-top: calc(var(--nav-h) + 4px); /* account for gradient bar */
  width: 100%;
  overflow: hidden;
  border-bottom: 4px solid var(--orange);
}
.hero-banner img {
  width: 100%;
  height: auto;
  max-height: 420px;
  object-fit: cover;
  object-position: center top;
  display: block;
}

/* ── HERO TEXT ────────────────────────────────── */
.hero-text {
  text-align: center;
  padding: 60px 24px 64px;
  background: var(--white);
}
.hero-text h1 {
  font-family: var(--font-serif);
  font-size: clamp(1.7rem, 3vw, 2.5rem);
  color: var(--navy);
  max-width: 780px;
  margin: 0 auto .9rem;
  line-height: 1.25;
  font-weight: 700;
}
.hero-text > p {
  font-size: .975rem;
  color: var(--muted);
  margin: 0 auto 1.75rem;
  max-width: 500px;
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  justify-content: center;
  gap: .85rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.hero-badges {
  display: flex;
  justify-content: center;
  gap: .65rem;
  flex-wrap: wrap;
}
.badge {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--mid);
  padding: .3rem .8rem;
  border: 1px solid var(--border);
  border-radius: 40px;
}
.badge svg { color: var(--orange); }

/* ── SECTION HEADER ───────────────────────────── */
.section-header {
  text-align: center;
  margin-bottom: 48px;
}
.section-header h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  color: var(--navy);
  font-weight: 700;
  margin-bottom: 10px;
}
.section-header h2::after {
  content: '';
  display: block;
  width: 44px; height: 3px;
  background: var(--orange);
  border-radius: 2px;
  margin: .6rem auto 0;
}
.section-header p {
  color: var(--muted);
  font-size: .95rem;
  margin-top: .5rem;
}

/* ── SERVICES ─────────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  display: flex;
  flex-direction: column;
  gap: 0;
  transition: transform .2s, box-shadow .2s, border-color .2s;
}
.service-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: rgba(212,119,58,.25);
}

.service-icon {
  width: 50px; height: 50px;
  background: var(--dark);
  color: var(--white);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  flex-shrink: 0;
}
.service-card h3 {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: .6rem;
  color: var(--navy);
}
.service-card > p {
  font-size: .875rem;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 1rem;
  flex: 1;
}

.service-what {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--navy);
  padding-bottom: .5rem;
  border-bottom: 2px solid var(--orange);
  width: fit-content;
  margin-bottom: .75rem;
}

.service-list {
  margin-bottom: 1.25rem;
}
.service-list li {
  font-size: .85rem;
  color: var(--mid);
  padding: .3rem 0 .3rem 1.3rem;
  position: relative;
  border-bottom: 1px solid var(--border);
}
.service-list li:last-child { border-bottom: none; }
.service-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--orange);
}

/* ── WHY CHOOSE EURA ──────────────────────────── */
.section-why {
  position: relative;
  padding: 96px 0;
  background: var(--navy) url('https://horizons-cdn.hostinger.com/93de6cb1-8595-48f9-a34e-266f2b15cc10/b87a4d74afdf163f8e13cd1cdd56819e.png') center/cover no-repeat;
  color: var(--white);
}
.why-overlay {
  position: absolute;
  inset: 0;
  background: rgba(10,18,30,0.80);
}
.why-container {
  position: relative;
  z-index: 1;
}
.why-container h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 700;
  text-align: center;
  margin-bottom: 10px;
}
.why-container h2::after {
  content: '';
  display: block;
  width: 44px; height: 3px;
  background: var(--orange);
  border-radius: 2px;
  margin: .6rem auto 0;
}
.why-sub {
  text-align: center;
  color: rgba(255,255,255,.7);
  font-size: .95rem;
  margin-bottom: 2.5rem;
  line-height: 1.6;
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  max-width: 880px;
  margin: 0 auto 2.5rem;
}
.why-item {
  display: flex;
  align-items: center;
  gap: .85rem;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  font-size: .9rem;
  color: rgba(255,255,255,.88);
  transition: background .15s, border-color .15s;
}
.why-item:hover {
  background: rgba(255,255,255,.12);
  border-color: rgba(212,119,58,.4);
}
.why-item svg {
  flex-shrink: 0;
  color: var(--orange);
  background: rgba(212,119,58,.18);
  border-radius: 50%;
  padding: 4px;
  width: 24px; height: 24px;
}
.why-quote {
  max-width: 700px;
  margin: 0 auto;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-left: 4px solid var(--orange);
  border-radius: var(--radius-sm);
  padding: 24px 30px;
  text-align: center;
}
.why-quote p {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: rgba(255,255,255,.92);
  line-height: 1.65;
}

/* ── FOOTER ───────────────────────────────────── */
.footer { background: var(--dark); color: var(--white); }
.footer .nav-logo-name { color: var(--white); }
.footer .nav-logo-sub  { color: rgba(255,255,255,.55); }
.footer-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 60px 32px;
  display: grid;
  grid-template-columns: 2fr 1fr 1.4fr;
  gap: 48px;
}
.footer-tagline {
  font-size: .85rem;
  color: rgba(255,255,255,.45);
  margin-top: .9rem;
  line-height: 1.7;
}
.footer-col h4 {
  font-family: var(--font-sans);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.38);
  margin-bottom: 1rem;
  padding-bottom: .5rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-col ul { display: flex; flex-direction: column; gap: .5rem; }
.footer-col ul li a {
  font-size: .875rem;
  color: rgba(255,255,255,.58);
  transition: color .15s;
}
.footer-col ul li a:hover { color: var(--orange-lt); }
.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: .65rem;
  font-size: .875rem;
  color: rgba(255,255,255,.58);
}
.footer-contact li svg { margin-top: 3px; flex-shrink: 0; color: var(--orange); }
.footer-contact a { color: rgba(255,255,255,.58); transition: color .15s; }
.footer-contact a:hover { color: var(--orange-lt); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.07);
  padding: 20px 32px;
  text-align: center;
  max-width: 1160px;
  margin: 0 auto;
}
.footer-bottom p { font-size: .78rem; color: rgba(255,255,255,.3); }

/* ── PAGE HERO (inner pages) ──────────────────── */
.page-hero {
  margin-top: calc(var(--nav-h) + 4px);
  min-height: 300px;
  display: flex;
  align-items: flex-end;
  padding-bottom: 48px;
  position: relative;
  overflow: hidden;
}
.page-hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(10,18,30,.35) 0%, rgba(10,18,30,.75) 100%);
}
.page-hero-content {
  position: relative;
  z-index: 1;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
  width: 100%;
}
.page-hero h1 {
  font-family: var(--font-serif);
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3rem);
  margin-bottom: .5rem;
  line-height: 1.15;
}
.page-hero p { color: rgba(255,255,255,.75); font-size: .975rem; max-width: 540px; line-height: 1.65; }
.page-eyebrow {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--orange-lt);
  margin-bottom: .5rem;
}

/* ── ABOUT PAGE ───────────────────────────────── */
.approach-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.approach-text h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  margin-bottom: .9rem;
}
.approach-text p {
  color: var(--mid);
  line-height: 1.75;
  margin-bottom: .9rem;
  font-size: .94rem;
}
.approach-img {
  border-radius: var(--radius);
  overflow: hidden;
  aspect-ratio: 4/3;
}
.approach-img img { width: 100%; height: 100%; object-fit: cover; }

.founder-wrap {
  display: grid;
  grid-template-columns: 420px 1fr;
  gap: 64px;
  align-items: start;
}
.founder-img-wrap { position: relative; }
.founder-img-bg {
  width: 100%;
  aspect-ratio: 3/4;
  border-radius: var(--radius);
  background-image: url('https://horizons-cdn.hostinger.com/93de6cb1-8595-48f9-a34e-266f2b15cc10/1f0326008d3581f00b4984c32f64c28b.jpg');
  background-size: cover;
  background-position: center top;
}
.founder-badge {
  position: absolute;
  bottom: -20px; left: 28px;
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  box-shadow: var(--shadow-lg);
  border-left: 4px solid var(--orange);
}
.founder-badge strong { display: block; font-size: .9rem; color: var(--navy); }
.founder-badge span   { display: block; font-size: .75rem; color: var(--muted); margin: .15rem 0; }
.founder-badge em     { display: block; font-size: .72rem; font-weight: 600; color: var(--orange); text-transform: uppercase; letter-spacing: .06em; font-style: normal; }

.founder-text h2 { font-family: var(--font-serif); font-size: clamp(1.5rem, 2vw, 2rem); margin-bottom: 1.1rem; }
.founder-text p  { color: var(--mid); margin-bottom: 1rem; line-height: 1.75; font-size: .94rem; }
.founder-sig     { font-family: var(--font-serif); font-size: 1.15rem; font-style: italic; color: var(--orange) !important; font-weight: 600; }

.barriers-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}
.barrier-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  transition: transform .2s, box-shadow .2s;
}
.barrier-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.barrier-icon {
  width: 46px; height: 46px;
  background: rgba(212,119,58,.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto .9rem;
  color: var(--orange);
}
.barrier-card h4 { font-size: .95rem; margin-bottom: .45rem; font-family: var(--font-serif); }
.barrier-card p  { font-size: .83rem; color: var(--muted); line-height: 1.6; }

.section-dark {
  background: var(--navy);
}
.section-dark .section-header h2 { color: var(--white); }

.diff-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.diff-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius);
  padding: 30px 26px;
  transition: background .15s;
}
.diff-card:hover { background: rgba(255,255,255,.1); }
.diff-icon {
  width: 42px; height: 42px;
  background: var(--orange);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: .9rem;
  color: var(--white);
}
.diff-card h4 { color: var(--white); font-size: 1rem; margin-bottom: .45rem; font-family: var(--font-serif); }
.diff-card p  { color: rgba(255,255,255,.65); font-size: .875rem; line-height: 1.65; }

.belief-box {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  padding: 32px 40px;
  margin-top: 2rem;
  text-align: center;
  position: relative; z-index: 1;
}
.belief-box p {
  font-family: var(--font-serif);
  font-size: clamp(.95rem, 1.4vw, 1.2rem);
  color: var(--white);
  line-height: 1.65;
}
.belief-box strong { color: var(--orange-lt); }

/* ── CTA BAND ─────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-lt) 100%);
  border-top: 4px solid var(--orange);
  padding: 72px 24px;
  text-align: center;
  color: var(--white);
}
.cta-band h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  margin-bottom: .7rem;
}
.cta-band p  { color: rgba(255,255,255,.7); max-width: 440px; margin: 0 auto 2rem; font-size: .96rem; }
.cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ── INSURANCE PAGE ───────────────────────────── */
.ins-intro { max-width: 700px; margin-bottom: 48px; }
.ins-intro h2 { font-family: var(--font-serif); font-size: clamp(1.5rem, 2.5vw, 2rem); margin-bottom: .8rem; }
.ins-intro p  { color: var(--mid); font-size: .94rem; line-height: 1.75; margin-bottom: .75rem; }

.ins-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 48px;
}
.ins-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
}
.ins-card h3 { font-family: var(--font-serif); font-size: 1.15rem; margin-bottom: .4rem; }
.ins-price {
  font-size: 2rem;
  font-family: var(--font-serif);
  font-weight: 400;
  color: var(--navy);
  margin-bottom: .3rem;
  line-height: 1;
}
.ins-price span { font-size: .9rem; font-family: var(--font-sans); color: var(--muted); font-weight: 400; }
.ins-card > p { color: var(--muted); font-size: .875rem; margin-bottom: 1rem; line-height: 1.65; margin-top: .4rem; }
.ins-card ul li {
  font-size: .85rem; color: var(--mid);
  padding: .3rem 0 .3rem 1.2rem;
  border-bottom: 1px solid var(--border);
  position: relative;
}
.ins-card ul li::before {
  content: ''; position: absolute; left: 0; top: 50%; transform: translateY(-50%);
  width: 6px; height: 6px; background: var(--orange); border-radius: 50%;
}
.ins-card ul li:last-child { border-bottom: none; }
.ins-card.featured {
  border-color: var(--orange);
  background: linear-gradient(135deg, #fef8f4 0%, #fff 60%);
  position: relative; overflow: hidden;
}
.ins-card.featured::before { display: none; }

.ins-tags { display: flex; flex-wrap: wrap; gap: .55rem; margin-top: 1rem; }
.ins-tag {
  background: var(--light); border: 1px solid var(--border);
  border-radius: 6px; padding: .38rem .85rem;
  font-size: .82rem; color: var(--mid); font-weight: 500;
}

.faq-list { max-width: 800px; }
.faq-item { border-bottom: 1px solid var(--border); padding: 1.1rem 0; }
.faq-item h4 { font-size: .95rem; margin-bottom: .4rem; font-family: var(--font-serif); }
.faq-item p  { font-size: .875rem; color: var(--muted); line-height: 1.7; }

/* ── CONTACT PAGE ─────────────────────────────── */
.contact-wrap {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 56px;
  align-items: start;
}
.contact-info h2 { font-family: var(--font-serif); font-size: clamp(1.4rem, 2vw, 1.75rem); margin-bottom: .9rem; }
.contact-info > p { color: var(--mid); font-size: .92rem; line-height: 1.75; margin-bottom: 1.5rem; }
.contact-cards { display: flex; flex-direction: column; gap: 12px; }
.contact-card {
  display: flex; align-items: flex-start; gap: 14px;
  background: var(--light); border: 1px solid var(--border);
  border-radius: var(--radius-sm); padding: 16px 18px;
  transition: border-color .2s;
}
.contact-card:hover { border-color: var(--orange); }
.contact-card-icon {
  width: 38px; height: 38px;
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; color: var(--orange);
}
.contact-card-text strong {
  display: block; font-size: .78rem; color: var(--muted);
  font-weight: 600; text-transform: uppercase; letter-spacing: .06em; margin-bottom: .2rem;
}
.contact-card-text span, .contact-card-text a { font-size: .9rem; color: var(--navy); }
.contact-card-text a:hover { color: var(--orange); }

.contact-form-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 40px;
  box-shadow: var(--shadow-md);
}
.contact-form-card h3 { font-family: var(--font-serif); font-size: 1.4rem; margin-bottom: 1.5rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { margin-bottom: 14px; display: flex; flex-direction: column; gap: .35rem; }
.form-group label { font-size: .81rem; font-weight: 600; color: var(--navy); }
.form-group input, .form-group textarea, .form-group select {
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  padding: .65rem .95rem; font-family: var(--font-sans); font-size: .9rem;
  color: var(--navy); background: var(--white);
  transition: border-color .2s, box-shadow .2s; outline: none; width: 100%;
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(212,119,58,.1);
}
.form-group textarea { resize: vertical; min-height: 115px; }

/* ── RESPONSIVE ───────────────────────────────── */
@media (max-width: 1024px) {
  .services-grid    { grid-template-columns: 1fr 1fr; }
  .founder-wrap     { grid-template-columns: 1fr; gap: 48px; }
  .founder-img-wrap { max-width: 460px; }
  .barriers-grid    { grid-template-columns: 1fr 1fr; }
  .diff-grid        { grid-template-columns: 1fr 1fr; }
  .footer-inner     { grid-template-columns: 1fr 1fr; }
  .approach-grid    { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-links    { display: none; }
  .nav-hamburger{ display: flex; }
  :root         { --nav-h: 62px; }

  .section, .section-alt { padding: 56px 0; }
  .section-why  { padding: 64px 0; }

  .hero-banner img { max-height: 260px; }
  .hero-text { padding: 44px 20px 52px; }

  .services-grid { grid-template-columns: 1fr; }
  .why-grid      { grid-template-columns: 1fr; }
  .ins-grid      { grid-template-columns: 1fr; }
  .contact-wrap  { grid-template-columns: 1fr; }
  .diff-grid     { grid-template-columns: 1fr; }
  .barriers-grid { grid-template-columns: 1fr 1fr; }
  .form-row      { grid-template-columns: 1fr; }
  .footer-inner  { grid-template-columns: 1fr; gap: 32px; }
  .container     { padding: 0 20px; }
}

@media (max-width: 480px) {
  .barriers-grid { grid-template-columns: 1fr; }
  .hero-actions  { flex-direction: column; align-items: center; }
  .cta-actions   { flex-direction: column; align-items: center; }
  .contact-form-card { padding: 24px 20px; }
  .belief-box    { padding: 24px 20px; }
}

/* ── SCROLL FADE ──────────────────────────────── */
.fade-in {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .5s ease, transform .5s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}