/* ===== RESET & BASE ===== */
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0
}

html {
    scroll-behavior: smooth
}

body {
    font-family: 'DM Sans', sans-serif;
    background: #f0f4f1;
    color: #1a261f;
    line-height: 1.65;
    overflow-x: hidden
}

h1, h2, h3, h4 {
    font-family: 'Fraunces', serif;
    font-weight: 600;
    letter-spacing: -.02em;
    line-height: 1.15
}

::selection {
    background: #1e7b4b;
    color: #fff
}

::-webkit-scrollbar {
    width: 8px
}

::-webkit-scrollbar-thumb {
    background: #1e7b4b;
    border-radius: 4px
}

/* ===== PRELOADER ===== */
#pre {
    position: fixed;
    inset: 0;
    background: #f0f4f1;
    z-index: 9999;
    display: grid;
    place-items: center;
    transition: opacity .5s, visibility .5s
}

#pre.hide {
    opacity: 0;
    visibility: hidden
}

.pre-anim {
    font-size: 2rem;
    animation: float 1.2s ease-in-out infinite
}

@keyframes float {
    50% { transform: translateY(-8px) }
}

/* ===== PROGRESS BAR ===== */
#prog {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    width: 0;
    background: #1e7b4b;
    z-index: 9990
}

/* ===== LAYOUT ===== */
.wrap {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 22px
}

section {
    padding: 88px 0
}

/* ===== TYPOGRAPHY & UTILITIES ===== */
.kick {
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
    color: #1e7b4b;
    margin-bottom: 8px
}

.h2 {
    font-size: clamp(1.8rem, 4vw, 2.6rem);
    margin-bottom: 12px
}

.lead {
    color: #4d6054;
    font-size: 1.02rem;
    max-width: 520px;
    line-height: 1.8
}

.desc {
    color: #4d6054;
    font-size: .94rem;
    line-height: 1.8
}

/* ===== BUTTONS ===== */
.btn-t {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #1e7b4b;
    color: #fff;
    border: 0;
    border-radius: 10px;
    padding: 12px 20px;
    font-weight: 600;
    font-size: .92rem;
    cursor: pointer;
    transition: all .2s;
    text-decoration: none;
}

.btn-t:hover {
    background: #155c37;
    transform: translateY(-1px);
    color: #fff;
}

.btn-o {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    color: #1a261f;
    border: 1.5px solid #b2cbbd;
    border-radius: 10px;
    padding: 11px 20px;
    font-weight: 600;
    font-size: .92rem;
    text-decoration: none;
    transition: all .2s
}

.btn-o:hover {
    border-color: #1a261f
}

.btn-s {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: #1e7b4b;
    color: #fff;
    border: 0;
    border-radius: 8px;
    padding: 8px 14px;
    font-size: .85rem;
    font-weight: 600;
    text-decoration: none;
    transition: all .2s
}

.btn-s:hover {
    background: #155c37;
    color: #fff
}

/* ===== NAVIGATION ===== */
.navx {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 800;
    background: rgba(240, 244, 241, .92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid transparent;
    transition: all .25s
}

.navx.stuck {
    border-color: #b2cbbd
}

.nav-in {
    max-width: 1100px;
    margin: 0 auto;
    padding: 14px 22px;
    display: flex;
    align-items: center;
    gap: 24px
}

.logo {
    font-family: 'Fraunces', serif;
    font-weight: 700;
    font-size: 1.3rem;
    text-decoration: none;
    color: #1a261f
}

.links {
    display: flex;
    gap: 18px;
    margin-left: auto
}

.links a {
    text-decoration: none;
    color: #718c7c;
    font-weight: 600;
    font-size: .9rem
}

.links a:hover,
.links a.on {
    color: #1e7b4b
}

.burger {
    display: none;
    background: none;
    border: 1px solid #b2cbbd;
    border-radius: 8px;
    padding: 6px 10px;
    color: #1a261f
}

#mnav {
    display: none;
    padding: 10px 22px 14px;
    border-bottom: 1px solid #b2cbbd;
    background: #f0f4f1
}

#mnav a {
    display: block;
    padding: 8px 0;
    text-decoration: none;
    color: #1a261f;
    font-weight: 600
}

/* ===== HERO ===== */
#hero {
    padding: 130px 0 60px
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1.05fr;
    gap: 44px;
    align-items: center
}

.hero-h {
    font-size: clamp(2.2rem, 4.8vw, 3.6rem);
    margin: 14px 0 16px
}

.hero-p {
    color: #4d6054;
    font-size: 1.06rem;
    max-width: 440px;
    margin-bottom: 24px;
    line-height: 1.8
}

.budget-card {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 18px;
    padding: 24px;
    box-shadow: 0 14px 36px rgba(26, 38, 31, .06)
}

.bud-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    border-bottom: 1px dashed #d1e0d7
}

.bud-row:last-child {
    border: 0
}

.bud-label {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 600;
    font-size: .92rem
}

.bud-bar {
    flex: 1;
    max-width: 180px;
    height: 8px;
    background: #d1e0d7;
    border-radius: 4px;
    margin: 0 14px;
    overflow: hidden
}

.bud-fill {
    height: 100%;
    border-radius: 4px;
    transition: width 1.2s ease
}

.bud-val {
    font-weight: 700;
    font-size: .88rem;
    min-width: 60px;
    text-align: right
}

.bud-total {
    margin-top: 16px;
    padding: 14px;
    background: #f0f4f1;
    border-radius: 12px;
    display: flex;
    justify-content: space-between;
    align-items: center
}

.bud-total b {
    font-family: 'Fraunces', serif;
    font-size: 1.3rem;
    color: #1e7b4b
}

.bud-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: 22px
}

.chip {
    border: 1px solid #b2cbbd;
    background: #ffffff;
    border-radius: 99px;
    padding: 7px 14px;
    font-size: .82rem;
    font-weight: 600;
    cursor: pointer;
    transition: all .2s
}

.chip:hover,
.chip.on {
    background: #1e7b4b;
    color: #fff;
    border-color: #1e7b4b
}

/* ===== ABOUT ===== */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: start
}

.vals {
    display: flex;
    flex-direction: column;
    gap: 12px
}

.val {
    padding: 16px 18px;
    border-radius: 12px;
    border: 1px solid #d1e0d7;
    background: #e6f0e9;
    display: flex;
    gap: 14px;
    align-items: flex-start;
    transition: transform .2s
}

.val:hover {
    transform: translateX(4px)
}

.val-n {
    width: 32px;
    height: 32px;
    border-radius: 8px;
    background: #ffffff;
    border: 1px solid #b2cbbd;
    display: grid;
    place-items: center;
    font-weight: 700;
    font-size: .85rem;
    color: #1e7b4b;
    flex-shrink: 0
}

.val h4 {
    font-size: 1rem;
    margin-bottom: 3px
}

.val p {
    color: #4d6054;
    font-size: .88rem;
    margin: 0;
    line-height: 1.6
}

/* ===== SERVICES ===== */
#services {
    background: #ffffff;
    border-top: 1px solid #d1e0d7;
    border-bottom: 1px solid #d1e0d7
}

.tabs {
    display: flex;
    gap: 6px;
    flex-wrap: wrap;
    margin: 24px 0 28px
}

.tab {
    border: 1px solid #b2cbbd;
    background: #e6f0e9;
    border-radius: 8px;
    padding: 8px 14px;
    font-weight: 600;
    font-size: .85rem;
    cursor: pointer;
    transition: all .2s;
    color: #4d6054
}

.tab:hover {
    border-color: #1e7b4b;
    color: #1e7b4b
}

.tab.on {
    background: #1a261f;
    color: #fff;
    border-color: #1a261f
}

.pane {
    display: none
}

.pane.on {
    display: block;
    animation: slideIn .4s ease
}

@keyframes slideIn {
    from { opacity: 0; transform: translateY(14px) }
    to { opacity: 1; transform: none }
}

.cat-head {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    margin-bottom: 22px
}

.cat-ic {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: #f0f4f1;
    border: 1px solid #d1e0d7;
    display: grid;
    place-items: center;
    font-size: 1.4rem;
    flex-shrink: 0
}

.cat-head h3 {
    font-size: 1.6rem;
    margin-bottom: 3px
}

.cat-head p {
    color: #4d6054;
    margin: 0
}

/* LOANS — stacked cards */
.stacked {
    display: flex;
    flex-direction: column;
    gap: 0
}

.scard {
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    background: #ffffff;
    padding: 20px 22px;
    position: relative;
    margin-bottom: -1px;
    transition: transform .2s, box-shadow .2s;
    cursor: pointer
}

.scard:first-child {
    border-radius: 14px 14px 0 0
}

.scard:last-child {
    border-radius: 0 0 14px 14px
}

.scard:hover {
    z-index: 2;
    transform: translateX(8px);
    box-shadow: 0 8px 24px rgba(26, 38, 31, .08)
}

.scard-top {
    display: flex;
    align-items: center;
    gap: 12px
}

.scard-em {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: #f0f4f1;
    display: grid;
    place-items: center;
    font-size: 1.1rem;
    flex-shrink: 0
}

.scard h4 {
    font-size: 1.05rem;
    flex: 1
}

.scard-arrow {
    color: #1e7b4b;
    font-size: 1.1rem;
    transition: transform .2s
}

.scard.open .scard-arrow {
    transform: rotate(90deg)
}

.scard-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height .4s ease
}

.scard.open .scard-body {
    max-height: 320px
}

.scard-inner {
    padding-top: 14px;
    border-top: 1px dashed #d1e0d7;
    margin-top: 14px
}

/* INSURANCE — grid */
.itag-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px
}

.itag {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 12px;
    padding: 16px;
    position: relative;
    overflow: hidden;
    transition: all .2s
}

.itag:hover {
    border-color: #1e7b4b;
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(26, 38, 31, .06)
}

.itag::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: #1e7b4b;
    border-radius: 4px 0 0 4px;
    transform: scaleY(0);
    transform-origin: top;
    transition: transform .3s
}

.itag:hover::before {
    transform: scaleY(1)
}

.itag h4 {
    font-size: .98rem;
    margin: 8px 0 6px
}

.itag .desc {
    font-size: .86rem
}

/* INVESTMENTS — cols */
.inv-cols {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px
}

.inv-col {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    padding: 20px
}

.inv-bars {
    display: flex;
    align-items: flex-end;
    gap: 6px;
    height: 100px;
    margin-bottom: 14px
}

.inv-bar {
    flex: 1;
    border-radius: 4px 4px 0 0;
    background: #f0f4f1;
    position: relative
}

.inv-bar.on {
    background: #1e7b4b
}

.inv-col h4 {
    font-size: 1.1rem;
    margin-bottom: 8px
}

/* WEALTH — hex */
.hex-wrap {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px
}

.hex {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    padding: 20px;
    text-align: center;
    transition: all .25s
}

.hex:hover {
    border-color: #1e7b4b;
    transform: scale(1.02);
    box-shadow: 0 8px 24px rgba(26, 38, 31, .06)
}

.hex-em {
    font-size: 1.8rem;
    margin-bottom: 8px
}

.hex h4 {
    font-size: 1.05rem;
    margin-bottom: 6px
}

.hex .desc {
    font-size: .86rem;
    text-align: left
}

/* PAYMENTS — list */
.pay-list {
    display: flex;
    flex-direction: column;
    gap: 10px
}

.pay-row {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 12px;
    padding: 16px 18px;
    display: grid;
    grid-template-columns: 40px 1fr auto;
    gap: 12px;
    align-items: center;
    cursor: pointer;
    transition: all .2s
}

.pay-row:hover,
.pay-row.on {
    border-color: #1e7b4b;
    background: #f4faf6
}

.pay-row em {
    font-style: normal;
    font-size: 1.2rem;
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: #f0f4f1;
    display: grid;
    place-items: center
}

.pay-row.on em {
    background: #1e7b4b;
    color: #fff
}

.pay-row .chevron {
    color: #1e7b4b;
    transition: transform .2s
}

.pay-row.on .chevron {
    transform: rotate(90deg)
}

.pay-expand {
    display: none;
    border-top: 1px dashed #d1e0d7;
    margin-top: 12px;
    padding-top: 12px
}

.pay-row.on .pay-expand {
    display: block
}

/* DEBT — waterfall */
.waterfall {
    display: flex;
    gap: 14px
}

.wf-item {
    flex: 1;
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    padding: 20px;
    position: relative
}

.wf-num {
    position: absolute;
    top: -12px;
    right: 16px;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: #1a261f;
    color: #fff;
    display: grid;
    place-items: center;
    font-size: .8rem;
    font-weight: 700
}

.wf-item h4 {
    font-size: 1.05rem;
    margin: 8px 0 8px
}

.wf-item::after {
    content: '→';
    position: absolute;
    right: -22px;
    top: 50%;
    transform: translateY(-50%);
    color: #1e7b4b;
    font-size: 1.2rem;
    font-weight: 700
}

.wf-item:last-child::after {
    display: none
}

/* HOME WARRANTY */
.hw-boxes {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px
}

.hw-box {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    padding: 20px;
    border-bottom: 4px solid #1e7b4b
}

.hw-box h4 {
    font-size: 1.05rem;
    margin: 8px 0 8px
}

/* AUTO WARRANTY */
.auto-split {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px
}

.auto-box {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    padding: 20px;
    transition: all .2s
}

.auto-box:hover {
    border-color: #1e7b4b
}

.auto-box h4 {
    font-size: 1.05rem;
    margin: 8px 0 8px
}

/* BENEFITS */
.bens {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px
}

.ben {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    padding: 20px
}

.ben:first-child {
    grid-column: span 2
}

.ben h4 {
    font-size: 1.08rem;
    margin: 6px 0 6px
}

.ben p {
    color: #4d6054;
    font-size: .92rem;
    margin: 0
}

/* PROCESS */
.steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 12px
}

.step {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    padding: 20px;
    position: relative
}

.step-n {
    font-family: 'Fraunces';
    font-size: 1.6rem;
    color: #1e7b4b;
    font-weight: 600
}

.step h4 {
    margin: 6px 0 6px;
    font-size: 1.05rem
}

.step p {
    color: #4d6054;
    font-size: .88rem;
    margin: 0
}

/* VOICES */
.quotes {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px
}

.quote {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 14px;
    padding: 20px
}

.quote p {
    font-size: .96rem;
    margin-bottom: 12px;
    color: #1a261f;
    line-height: 1.7
}

.who {
    display: flex;
    align-items: center;
    gap: 8px
}

.av {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #f0f4f1;
    border: 1px solid #b2cbbd;
    display: grid;
    place-items: center;
    font-weight: 700;
    font-size: .78rem;
    color: #1e7b4b
}

.who span {
    font-size: .82rem;
    color: #718c7c
}

/* FAQ */
.faqs {
    max-width: 720px;
    margin: 0 auto
}

.fq {
    border-bottom: 1px solid #d1e0d7
}

.fq-q {
    width: 100%;
    background: none;
    border: 0;
    text-align: left;
    padding: 18px 0;
    display: flex;
    justify-content: space-between;
    gap: 16px;
    font-family: 'Fraunces';
    font-size: 1.05rem;
    font-weight: 600;
    cursor: pointer;
    color: #1a261f
}

.fq-q i {
    color: #1e7b4b;
    transition: transform .3s
}

.fq.open .fq-q i {
    transform: rotate(45deg)
}

.fq-a {
    max-height: 0;
    overflow: hidden;
    transition: max-height .35s;
    color: #4d6054;
    padding: 0
}

.fq.open .fq-a {
    max-height: 260px;
    padding-bottom: 16px
}

/* FORMS */
.fg {
    margin-bottom: 14px
}

.lab {
    display: block;
    font-weight: 600;
    font-size: .85rem;
    margin-bottom: 6px
}

.lab em {
    color: #1e7b4b;
    font-style: normal
}

.inp {
    width: 100%;
    padding: 11px 14px;
    border: 1.5px solid #b2cbbd;
    border-radius: 8px;
    background: #fff;
    font-family: inherit;
    font-size: .94rem;
    outline: none;
    transition: border-color .2s
}

.inp:focus {
    border-color: #1e7b4b
}

.cbx {
    display: flex;
    gap: 10px;
    align-items: flex-start
}

.cbx input {
    margin-top: 4px;
    accent-color: #1e7b4b
}

/* NEWSLETTER */
#news {
    background: #f0f4f1;
    border-top: 1px solid #d1e0d7;
    border-bottom: 1px solid #d1e0d7
}

.nl {
    max-width: 660px;
    margin: 0 auto;
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 16px;
    padding: 36px
}

/* CONTACT */
.ct {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 20px
}

.card {
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 16px;
    padding: 28px
}

.info {
    display: flex;
    gap: 12px;
    padding: 14px;
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 12px;
    margin-bottom: 10px
}

.info-ic {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: #f0f4f1;
    display: grid;
    place-items: center;
    flex-shrink: 0
}

/* CTA */
.cta {
    background: #1a261f;
    color: #fff;
    border-radius: 16px;
    padding: 52px 30px;
    text-align: center
}

.cta h2 {
    color: #fff;
    font-size: clamp(1.7rem, 3.5vw, 2.4rem);
    margin-bottom: 10px
}

.cta p {
    color: #a8b8ae;
    max-width: 460px;
    margin: 0 auto 20px
}

/* FOOTER */
footer {
    background: #101e16;
    color: #a8b8ae;
    padding: 52px 0 20px
}

footer h6 {
    color: #1e7b4b;
    font-size: .7rem;
    letter-spacing: .14em;
    text-transform: uppercase;
    margin-bottom: 12px
}

footer a {
    color: #a8b8ae;
    text-decoration: none;
    font-size: .9rem
}

footer a:hover {
    color: #fff
}

/* TOASTS */
#toasts {
    position: fixed;
    bottom: 18px;
    right: 18px;
    z-index: 9000
}

.tst {
    background: #1a261f;
    color: #fff;
    border-radius: 10px;
    padding: 12px 16px;
    margin-top: 8px;
    font-size: .9rem;
    font-weight: 500
}

/* MODAL */
.modal-content {
    border: 0;
    border-radius: 14px
}

.modal-header {
    border-color: #d1e0d7;
    background: #f0f4f1
}

.modal-body p {
    color: #4d6054
}

.modal-body b {
    color: #1a261f
}

/* PAGE HEADER (for inner pages) */
.page-header {
    padding: 140px 0 60px;
    text-align: center;
}

.page-header h1 {
    font-size: clamp(2rem, 4vw, 3rem);
    margin-bottom: 12px;
}

.page-header p {
    color: #4d6054;
    font-size: 1.1rem;
    max-width: 600px;
    margin: 0 auto;
}

/* BREADCRUMB */
.breadcrumb {
    display: flex;
    gap: 8px;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
    font-size: .88rem;
}

.breadcrumb a {
    color: #1e7b4b;
    text-decoration: none;
}

.breadcrumb span {
    color: #718c7c;
}

/* POLICY CONTENT */
.policy-content {
    max-width: 800px;
    margin: 0 auto;
    background: #ffffff;
    border: 1px solid #d1e0d7;
    border-radius: 16px;
    padding: 40px;
}

.policy-content h3 {
    font-size: 1.3rem;
    margin: 24px 0 12px;
    color: #1a261f;
}

.policy-content p {
    color: #4d6054;
    margin-bottom: 14px;
    line-height: 1.8;
}

/* RESPONSIVE */
@media(max-width:992px) {
    .hero-grid,
    .about-grid,
    .ct {
        grid-template-columns: 1fr
    }

    .itag-grid,
    .inv-cols,
    .hex-wrap,
    .waterfall,
    .hw-boxes,
    .auto-split,
    .bens,
    .steps,
    .quotes {
        grid-template-columns: 1fr 1fr
    }

    .ben:first-child {
        grid-column: span 2
    }
}

@media(max-width:768px) {
    .links {
        display: none
    }

    .burger {
        display: block;
        margin-left: auto
    }

    section {
        padding: 64px 0
    }

    #hero {
        padding: 108px 0 40px
    }

    .itag-grid,
    .inv-cols,
    .hex-wrap,
    .waterfall,
    .hw-boxes,
    .auto-split,
    .bens,
    .steps,
    .quotes {
        grid-template-columns: 1fr
    }

    .ben:first-child {
        grid-column: span 1
    }

    .wf-item::after {
        display: none
    }

    .page-header {
        padding: 120px 0 40px;
    }
}

a {
    text-decoration: none;
}