/* === Reset & Base === */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --green-900:#1b4332;--green-800:#2d6a4f;--green-700:#40916c;--green-600:#52b788;
  --green-100:#d8f3dc;--green-50:#e8f5e9;
  --blue-900:#1a2332;--blue-800:#243447;
  --white:#ffffff;--gray-50:#f8faf9;--gray-100:#f0f2f1;--gray-200:#e2e5e3;
  --gray-400:#9ca3a0;--gray-600:#5a6360;--gray-700:#3d4543;--gray-800:#2a302e;
  --font:'Inter',system-ui,-apple-system,sans-serif;
  --font-display:'Playfair Display',Georgia,serif;
  --shadow-sm:0 1px 3px rgba(0,0,0,.08);
  --shadow:0 4px 12px rgba(0,0,0,.1);
  --shadow-lg:0 12px 40px rgba(0,0,0,.15);
  --radius:8px;--radius-lg:16px;
}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:var(--font);color:var(--gray-800);line-height:1.6;background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--green-800);text-decoration:none}
a:hover{color:var(--green-700)}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
.container-sm{max-width:800px}

/* === Buttons === */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 28px;border-radius:var(--radius);font-family:var(--font);font-weight:600;font-size:1rem;border:none;cursor:pointer;transition:all .2s;text-decoration:none}
.btn-primary{background:var(--green-800);color:var(--white)}
.btn-primary:hover{background:var(--green-700);color:var(--white);transform:translateY(-1px);box-shadow:var(--shadow)}
.btn-white{background:var(--white);color:var(--green-800)}
.btn-white:hover{background:var(--green-50);color:var(--green-800);transform:translateY(-1px)}
.btn-nav{padding:8px 20px;font-size:.9rem}
.btn-lg{padding:16px 36px;font-size:1.1rem}
.btn-block{width:100%;padding:16px;font-size:1.1rem}

/* === Nav === */
.navbar{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--gray-200);transition:box-shadow .3s}
.navbar.scrolled{box-shadow:var(--shadow-sm)}
.nav-container{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:8px;font-weight:700;font-size:1.2rem;color:var(--green-900)}
.logo small{font-weight:400;color:var(--gray-400);font-size:.8em}
.logo-icon{flex-shrink:0}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none}
.nav-links a{font-size:.9rem;font-weight:500;color:var(--gray-700);transition:color .2s}
.nav-links a:hover{color:var(--green-800)}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--gray-700);border-radius:2px;transition:all .3s}

/* === Hero === */
.hero{padding:120px 0 60px;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--green-50) 0%,var(--white) 50%,var(--gray-50) 100%)}
.hero-bg{position:absolute;top:-50%;right:-20%;width:800px;height:800px;border-radius:50%;background:radial-gradient(circle,var(--green-100) 0%,transparent 70%);opacity:.5;pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.hero-text{padding-top:40px}
.hero-badge{display:inline-block;background:var(--green-100);color:var(--green-800);padding:6px 16px;border-radius:20px;font-size:.85rem;font-weight:600;margin-bottom:20px}
.hero h1{font-family:var(--font-display);font-size:3rem;line-height:1.15;color:var(--green-900);margin-bottom:20px}
.highlight{color:var(--green-700);position:relative}
.hero-sub{font-size:1.15rem;color:var(--gray-600);margin-bottom:28px;max-width:520px}
.hero-trust{display:flex;flex-direction:column;gap:10px}
.trust-item{display:flex;align-items:center;gap:8px;font-size:.95rem;font-weight:500;color:var(--gray-700)}
.hero-cta-mobile{display:none;margin-top:24px}

/* === Form Card === */
.form-card{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);overflow:hidden;position:relative}
.form-header{background:var(--green-800);color:var(--white);padding:24px 28px;text-align:center}
.form-header h2{font-size:1.3rem;margin-bottom:4px}
.form-header p{font-size:.9rem;opacity:.85}
form{padding:24px 28px 28px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.form-group{display:flex;flex-direction:column}
.form-group.full{grid-column:1/-1}
.form-group.half{/* default */}
label{font-size:.8rem;font-weight:600;color:var(--gray-700);margin-bottom:4px}
.req{color:#e63946}
.opt{font-weight:400;color:var(--gray-400);font-size:.75rem}
input,select,textarea{padding:10px 12px;border:1.5px solid var(--gray-200);border-radius:6px;font-family:var(--font);font-size:.95rem;transition:border-color .2s;background:var(--white);color:var(--gray-800)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--green-600);box-shadow:0 0 0 3px rgba(82,183,136,.15)}
input.error,select.error,textarea.error{border-color:#e63946}
textarea{resize:vertical}
.form-disclaimer{text-align:center;font-size:.78rem;color:var(--gray-400);margin-top:12px}
.spinner{display:inline-block;width:20px;height:20px;border:2.5px solid rgba(255,255,255,.3);border-top-color:#fff;border-radius:50%;animation:spin .6s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.hidden{display:none!important}
.thank-you{padding:48px 28px;text-align:center}
.ty-icon{margin-bottom:16px}
.thank-you h3{font-size:1.5rem;color:var(--green-800);margin-bottom:8px}
.thank-you p{color:var(--gray-600)}
.ty-sub{margin-top:16px;font-size:.9rem}
.ty-sub a{font-weight:600}

/* === Proof Bar === */
.proof-bar{background:var(--green-900);padding:20px 0}
.proof-items{display:flex;justify-content:center;align-items:center;gap:40px;flex-wrap:wrap}
.proof-item{text-align:center;color:var(--white)}
.proof-item strong{display:block;font-size:1.8rem;font-weight:800;color:var(--green-600)}
.proof-item span{font-size:.85rem;opacity:.8}
.proof-divider{width:1px;height:40px;background:rgba(255,255,255,.15)}

/* === Sections === */
.section{padding:80px 0}
.section-alt{background:var(--gray-50)}
.section-header{text-align:center;margin-bottom:48px}
.section-label{font-size:.85rem;font-weight:600;color:var(--green-700);text-transform:uppercase;letter-spacing:1.5px;margin-bottom:8px}
.section-header h2{font-family:var(--font-display);font-size:2.2rem;color:var(--green-900);margin-bottom:12px}
.section-sub{color:var(--gray-600);font-size:1.05rem;max-width:560px;margin:0 auto}

/* === Steps === */
.steps{display:flex;align-items:flex-start;justify-content:center;gap:20px}
.step{text-align:center;flex:1;max-width:300px;padding:20px}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;border-radius:50%;background:var(--green-100);color:var(--green-800);font-weight:700;font-size:.9rem;margin-bottom:16px}
.step-icon{margin-bottom:16px}
.step h3{font-size:1.15rem;margin-bottom:8px;color:var(--green-900)}
.step p{font-size:.95rem;color:var(--gray-600)}
.step-arrow{display:flex;align-items:center;padding-top:60px}
.steps-cta{text-align:center;margin-top:40px}

/* === Benefits === */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.benefit{background:var(--white);padding:28px;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);transition:box-shadow .3s,transform .3s}
.benefit:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.benefit-icon{width:52px;height:52px;border-radius:12px;background:var(--green-50);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.benefit h3{font-size:1.05rem;color:var(--green-900);margin-bottom:6px}
.benefit p{font-size:.9rem;color:var(--gray-600)}

/* === Comparison === */
.comparison{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:800px;margin:0 auto}
.comp-col{padding:32px;border-radius:var(--radius-lg)}
.comp-us{background:var(--green-50);border:2px solid var(--green-600)}
.comp-agent{background:var(--gray-50);border:2px solid var(--gray-200)}
.comp-col h3{font-size:1.1rem;margin-bottom:16px;text-align:center}
.comp-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.comp-col li{display:flex;align-items:center;gap:10px;font-size:.95rem}
.check{color:var(--green-700);font-weight:700;font-size:1.1rem}
.x{color:#e63946;font-weight:700;font-size:1.1rem}

/* === About === */
.about-grid{display:grid;grid-template-columns:280px 1fr;gap:60px;align-items:center}
.photo-placeholder{width:240px;height:280px;border-radius:var(--radius-lg);background:var(--green-50);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;border:2px dashed var(--green-600)}
.photo-placeholder p{font-size:.85rem;color:var(--gray-400);font-weight:500}
.about-text h2{font-family:var(--font-display);font-size:2rem;color:var(--green-900);margin-bottom:16px}
.about-text p{color:var(--gray-600);margin-bottom:12px}
.about-values{display:flex;gap:24px;margin-top:20px}
.value{text-align:center;flex:1;padding:12px;background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.value strong{display:block;color:var(--green-800);font-size:.95rem}
.value span{font-size:.8rem;color:var(--gray-400)}

/* === States === */
.states-grid{display:flex;justify-content:center;gap:20px;flex-wrap:wrap}
.state-card{display:flex;flex-direction:column;align-items:center;gap:8px;padding:24px 20px;background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);min-width:120px;transition:transform .2s,box-shadow .2s}
.state-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.state-abbr{width:56px;height:56px;border-radius:50%;background:var(--green-800);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.2rem}
.state-card span{font-size:.9rem;font-weight:500;color:var(--gray-700)}
.states-note{text-align:center;margin-top:28px;color:var(--gray-400);font-size:.9rem}
.states-note a{font-weight:600}

/* === Testimonials === */
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.testimonial{background:var(--white);padding:28px;border-radius:var(--radius-lg);box-shadow:var(--shadow-sm)}
.stars{color:#f59e0b;font-size:1.1rem;margin-bottom:12px;letter-spacing:2px}
.testimonial p{font-size:.95rem;color:var(--gray-600);margin-bottom:16px;font-style:italic}
.testimonial-author{display:flex;align-items:center;gap:12px}
.author-avatar{width:40px;height:40px;border-radius:50%;background:var(--green-100);color:var(--green-800);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.85rem}
.testimonial-author strong{display:block;font-size:.9rem;color:var(--gray-800)}
.testimonial-author span{font-size:.8rem;color:var(--gray-400)}

/* === FAQ === */
.faq-list{display:flex;flex-direction:column;gap:8px}
.faq-item{border:1.5px solid var(--gray-200);border-radius:var(--radius);overflow:hidden;transition:border-color .2s}
.faq-item.open{border-color:var(--green-600)}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;padding:16px 20px;background:none;border:none;cursor:pointer;font-family:var(--font);font-size:1rem;font-weight:600;color:var(--gray-800);text-align:left}
.faq-q:hover{color:var(--green-800)}
.faq-chevron{transition:transform .3s;flex-shrink:0;margin-left:12px}
.faq-item.open .faq-chevron{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-a{max-height:300px}
.faq-a p{padding:0 20px 16px;color:var(--gray-600);font-size:.95rem}

/* === CTA Section === */
.cta-section{background:var(--green-800);color:var(--white);padding:64px 0}
.cta-section h2{font-family:var(--font-display);font-size:2rem;margin-bottom:12px}
.cta-section p{opacity:.9;margin-bottom:24px;font-size:1.05rem}
.cta-phone{margin-top:16px;font-size:.95rem;opacity:.8}
.cta-phone a{color:var(--white);font-weight:600;text-decoration:underline}

/* === Footer === */
.footer{background:var(--blue-900);color:rgba(255,255,255,.7);padding:48px 0 24px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:32px}
.footer-brand .logo{color:var(--white);margin-bottom:12px}
.footer-brand .logo small{color:rgba(255,255,255,.4)}
.footer-brand p{font-size:.9rem;line-height:1.7}
.footer h4{color:var(--white);font-size:.9rem;margin-bottom:12px;text-transform:uppercase;letter-spacing:1px}
.footer ul{list-style:none}
.footer li{margin-bottom:8px}
.footer a{color:rgba(255,255,255,.7);font-size:.9rem;transition:color .2s}
.footer a:hover{color:var(--white)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;text-align:center;font-size:.85rem}

/* === Responsive === */
@media(max-width:968px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .hero-text{padding-top:10px;text-align:center}
  .hero h1{font-size:2.2rem}
  .hero-sub{margin:0 auto 24px}
  .hero-trust{align-items:center}
  .hero-cta-mobile{display:inline-flex}
  .benefits-grid{grid-template-columns:repeat(2,1fr)}
  .testimonials-grid{grid-template-columns:1fr}
  .about-grid{grid-template-columns:1fr;text-align:center}
  .about-values{justify-content:center}
  .photo-placeholder{margin:0 auto}
  .footer-grid{grid-template-columns:1fr;text-align:center}
}
@media(max-width:768px){
  .nav-toggle{display:flex}
  .nav-links{display:none;position:absolute;top:68px;left:0;right:0;background:var(--white);flex-direction:column;padding:20px;gap:16px;box-shadow:var(--shadow);border-top:1px solid var(--gray-200)}
  .nav-links.open{display:flex}
  .steps{flex-direction:column;align-items:center}
  .step-arrow{transform:rotate(90deg);padding:0}
  .benefits-grid{grid-template-columns:1fr}
  .comparison{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .form-group.half{grid-column:auto}
  .proof-items{gap:20px}
  .proof-divider{display:none}
  .section{padding:60px 0}
  .section-header h2{font-size:1.8rem}
  .states-grid{gap:12px}
  .state-card{min-width:100px;padding:16px 12px}
}
@media(max-width:480px){
  .hero h1{font-size:1.8rem}
  .hero{padding:100px 0 40px}
  form{padding:16px 18px 20px}
}