*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --teal:#00a878;--teal-light:#e0f7f1;--teal-dark:#007a57;
  --blue:#0d3b7c;--blue-mid:#1565c0;--blue-light:#e8f1fc;--blue-soft:#cfe2fa;
  --navy:#1e3a5f;--warm:#f5f7fa;--white:#fff;
  --text:#0d1f3c;--muted:#5a6a7a;--border:rgba(30,58,95,.1);
  --radius:16px;--radius-lg:24px;--sans:'Inter',system-ui,sans-serif;--serif:'Playfair Display',Georgia,serif;
}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--text);background:var(--white);line-height:1.6;overflow-x:hidden}

/* ── NAV ── */
nav{position:fixed;top:0;left:0;right:0;z-index:100;height:68px;padding:0 5%;display:flex;align-items:center;justify-content:space-between;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);box-shadow:0 2px 20px rgba(0,0,0,.05);transition:background .35s,box-shadow .35s,border-color .35s}
nav.nav-on-video{background:transparent;border-bottom-color:transparent;box-shadow:none}
nav.nav-on-video .nav-logo,nav.nav-on-video .nav-links>li>a,nav.nav-on-video .nav-links>li>button{color:rgba(255,255,255,.9)}
nav.nav-on-video .nav-logo:hover,nav.nav-on-video .nav-links>li>a:hover,nav.nav-on-video .nav-links>li>button:hover{color:#fff}
nav.nav-on-video .nav-cta{color:#fff!important}
nav.nav-on-video.nav-scrolled{background:rgba(255,255,255,.97);border-bottom-color:var(--border);box-shadow:0 2px 20px rgba(0,0,0,.05)}
nav.nav-on-video.nav-scrolled .nav-logo,nav.nav-on-video.nav-scrolled .nav-links>li>a,nav.nav-on-video.nav-scrolled .nav-links>li>button{color:var(--muted)}
nav.nav-on-video .nav-phone{color:rgba(255,255,255,.9)!important}
nav.nav-on-video.nav-scrolled .nav-phone{color:var(--navy)!important}
.nav-logo{font-family:var(--serif);font-size:1.2rem;font-weight:700;color:var(--navy);text-decoration:none;display:flex;align-items:center;gap:9px;cursor:pointer}
.nav-logo img{height:52px;width:auto;display:block}
.nav-logo span{width:34px;height:34px;background:var(--teal);border-radius:9px;display:flex;align-items:center;justify-content:center;color:#fff;font-size:.9rem;font-family:var(--sans);font-weight:700}
.nav-links{display:flex;align-items:center;gap:1.6rem;list-style:none}
.nav-links a,.nav-links button{text-decoration:none;color:var(--muted);font-size:.875rem;font-weight:500;transition:color .2s;background:none;border:none;cursor:pointer;font-family:var(--sans)}
.nav-links a:hover,.nav-links button:hover{color:var(--blue-mid)}
.nav-cta{background:var(--teal)!important;color:#fff!important;padding:9px 20px;border-radius:100px;transition:background .2s,transform .15s!important}
.nav-cta:hover{background:var(--teal-dark)!important;transform:translateY(-1px)}
.nav-pay{border:1.5px solid var(--blue-mid)!important;color:var(--blue)!important;padding:7.5px 18px;border-radius:100px;transition:background .2s,color .2s,transform .15s,border-color .2s!important}
.nav-pay:hover{background:var(--blue-mid)!important;color:#fff!important;transform:translateY(-1px)}
nav.nav-on-video .nav-pay{border-color:rgba(255,255,255,.6)!important;color:#fff!important}
nav.nav-on-video .nav-pay:hover{background:rgba(255,255,255,.15)!important;border-color:#fff!important;color:#fff!important}
nav.nav-on-video.nav-scrolled .nav-pay{border-color:var(--blue-mid)!important;color:var(--blue)!important}
nav.nav-on-video.nav-scrolled .nav-pay:hover{background:var(--blue-mid)!important;color:#fff!important}
.nav-phone{color:var(--navy)!important;font-weight:600!important}
.services-dropdown{position:relative}
.services-dropdown:hover .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown-menu{position:absolute;top:calc(100% + 8px);left:0;background:#fff;border:1px solid var(--border);border-radius:12px;padding:8px;min-width:220px;box-shadow:0 8px 32px rgba(0,0,0,.1);opacity:0;visibility:hidden;transform:translateY(-6px);transition:all .2s;z-index:200}
.dropdown-menu a{display:block;padding:8px 12px;border-radius:8px;color:var(--text);text-decoration:none;font-size:.84rem;font-weight:500;transition:background .15s,color .15s}
.dropdown-menu a:hover{background:var(--teal-light);color:var(--teal-dark)}

/* ── SHARED ── */
body{padding-top:68px}
main{display:block}

section{padding:80px 5%}
.eyebrow{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-mid);margin-bottom:10px}
.section-title{font-family:var(--serif);font-size:clamp(1.7rem,3vw,2.5rem);font-weight:700;color:var(--blue);line-height:1.2;margin-bottom:.9rem}
.section-sub{font-size:1rem;color:var(--muted);max-width:560px;line-height:1.7}
/* Content is visible by default. The fade-in is a pure enhancement applied
   only via .fade-up.animate-in, so a JS timing hiccup can never hide content. */
.fade-up{opacity:1;transform:none}



/* PAGE HERO (subpages) */
.page-hero{background:linear-gradient(135deg,#0a2444 0%,#0d3b7c 100%);padding:80px 5% 64px;position:relative;overflow:hidden}
.page-hero::after{content:'';position:absolute;width:500px;height:500px;border-radius:50%;background:rgba(29,158,117,.08);right:-100px;bottom:-150px;pointer-events:none}
.page-hero-inner{max-width:700px;position:relative;z-index:1;opacity:1!important;transform:none!important}
.page-hero .eyebrow{color:rgba(167,210,255,.9)}
.page-hero h1{font-family:var(--serif);font-size:clamp(2rem,4vw,3rem);color:#fff;font-weight:700;line-height:1.15;margin-bottom:1rem}
.page-hero p{font-size:1.05rem;color:rgba(255,255,255,.75);line-height:1.7;max-width:520px}
.breadcrumb{display:flex;align-items:center;gap:8px;margin-bottom:1.2rem;font-size:.8rem}
.breadcrumb a,.breadcrumb button{color:rgba(255,255,255,.5);text-decoration:none;background:none;border:none;cursor:pointer;font-family:var(--sans);font-size:.8rem;transition:color .2s}
.breadcrumb a:hover,.breadcrumb button:hover{color:#7EEDC6}
.breadcrumb span{color:rgba(255,255,255,.3)}
.breadcrumb strong{color:rgba(255,255,255,.8)}

/* CONTENT BLOCKS */
.content-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:4rem;align-items:start}
.content-grid.reverse{grid-template-columns:1fr 1.1fr}
.content-text p{font-size:.95rem;color:var(--muted);line-height:1.75;margin-bottom:1rem}
.content-text p:last-child{margin-bottom:0}

.benefit-list{display:flex;flex-direction:column;gap:.5rem;margin-top:1.25rem}
.benefit-item{display:flex;align-items:flex-start;gap:10px;font-size:.875rem;color:var(--muted);line-height:1.5}
.benefit-dot{width:20px;height:20px;min-width:20px;background:var(--blue-light);border-radius:6px;display:flex;align-items:center;justify-content:center;margin-top:1px}
.benefit-dot svg{color:var(--blue-mid)}

.info-card{background:var(--warm);border-radius:var(--radius);padding:28px;border:1px solid var(--border)}
.info-card h3{font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:12px;display:flex;align-items:center;gap:8px}
.info-card p{font-size:.875rem;color:var(--muted);line-height:1.7}
.info-card+.info-card{margin-top:1rem}

.hero-thumb{width:88px;height:88px;border-radius:50%;overflow:hidden;border:3px solid rgba(255,255,255,.3);box-shadow:0 8px 24px rgba(0,0,0,.25);flex-shrink:0;background:rgba(255,255,255,.08)}
.hero-thumb img{width:100%;height:100%;object-fit:cover;display:block}
.page-hero-flex{display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}

.approach-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:1.25rem;margin-top:2rem}
.approach-card{background:var(--white);border-radius:var(--radius);padding:24px;border:1px solid var(--border);transition:box-shadow .2s,border-color .2s}
.approach-card:hover{box-shadow:0 8px 32px rgba(0,0,0,.08);border-color:var(--blue-mid)}
.approach-icon{width:44px;height:44px;background:var(--blue-light);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;margin-bottom:12px}
.approach-card h4{font-size:.95rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.approach-card p{font-size:.82rem;color:var(--muted);line-height:1.6}

.two-col-list{display:grid;grid-template-columns:1fr 1fr;gap:.4rem .75rem}

/* CTA STRIP */
.cta-strip{background:linear-gradient(135deg,#1565c0 0%,#0d3b7c 100%);padding:56px 5%;text-align:center}
.cta-strip h2{font-family:var(--serif);font-size:clamp(1.6rem,3vw,2.2rem);color:#fff;margin-bottom:.75rem}
.cta-strip p{color:rgba(255,255,255,.82);font-size:.95rem;margin-bottom:1.75rem;max-width:480px;margin-left:auto;margin-right:auto}
.btn-white{background:#fff;color:var(--teal-dark);padding:13px 32px;border-radius:100px;text-decoration:none;font-weight:700;font-size:.95rem;display:inline-block;transition:transform .2s,box-shadow .2s;box-shadow:0 4px 16px rgba(0,0,0,.12)}
.btn-white:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.18)}
.btn-primary{background:var(--blue-mid);color:#fff;padding:13px 28px;border-radius:100px;text-decoration:none;font-weight:600;font-size:.9rem;display:inline-flex;align-items:center;gap:7px;transition:background .2s,transform .15s;box-shadow:0 4px 14px rgba(45,106,159,.25)}
.btn-primary:hover{background:var(--blue);transform:translateY(-2px)}

/* SERVICES HUB */
.services-hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.4rem}
.hub-card{background:var(--white);border-radius:var(--radius);padding:26px;border:1px solid var(--border);transition:transform .22s,box-shadow .22s,border-color .22s;cursor:pointer;text-decoration:none;color:inherit;display:block}
.hub-card:hover{transform:translateY(-4px);box-shadow:0 14px 40px rgba(30,58,95,.12);border-color:var(--blue-mid)}
.hub-icon{width:50px;height:50px;background:var(--blue-light);border-radius:13px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:14px;transition:background .2s}
.hub-card:hover .hub-icon{background:var(--blue-mid)}
.hub-card h3{font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.hub-card p{font-size:.83rem;color:var(--muted);line-height:1.55}
.hub-arrow{display:inline-flex;align-items:center;gap:4px;color:var(--blue-mid);font-size:.8rem;font-weight:600;margin-top:12px;transition:gap .2s}
.hub-card:hover .hub-arrow{gap:8px}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,.65);padding:52px 5% 28px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem;margin-bottom:2.5rem}
.footer-brand-logo{font-family:var(--serif);font-size:1.1rem;font-weight:700;color:#fff;display:flex;align-items:center;gap:8px;cursor:pointer;margin-bottom:.9rem}
.footer-brand-logo img{height:34px;width:auto;display:block;background:#fff;border-radius:8px;padding:4px 8px}
.footer-brand-logo span{width:30px;height:30px;background:var(--teal);border-radius:8px;display:flex;align-items:center;justify-content:center;color:#fff;font-size:.75rem;font-family:var(--sans);font-weight:700}
.footer-brand p{font-size:.83rem;line-height:1.7;max-width:260px}
.footer-col h4{font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#fff;margin-bottom:.85rem}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:7px}
.footer-col a,.footer-col button{color:rgba(255,255,255,.55);text-decoration:none;font-size:.83rem;transition:color .2s;background:none;border:none;cursor:pointer;font-family:var(--sans);text-align:left;padding:0}
.footer-col a:hover,.footer-col button:hover{color:var(--blue-mid)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;display:flex;justify-content:space-between;align-items:center;font-size:.78rem;flex-wrap:wrap;gap:.75rem}
.social-row{display:flex;gap:10px}
.soc{width:32px;height:32px;background:rgba(255,255,255,.08);border-radius:7px;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.55);text-decoration:none;font-size:.78rem;font-weight:700;transition:background .2s,color .2s}
.soc:hover{background:var(--blue-mid);color:#fff}

/* ABOUT / TEAM */
.team-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:1.5rem;margin-top:2rem}
.team-card{background:var(--white);border-radius:var(--radius);padding:28px;border:1px solid var(--border);text-align:center}
.team-avatar{width:72px;height:72px;border-radius:50%;background:var(--teal);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.2rem;color:#fff;margin:0 auto 14px}
.team-card h3{font-size:.95rem;font-weight:600;color:var(--navy);margin-bottom:3px}
.team-card p{font-size:.8rem;color:var(--muted)}

/* INSURANCE */
.insurance-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:1rem;margin-top:2rem}
.insurance-pill{background:var(--warm);border:1px solid var(--border);border-radius:12px;padding:16px 20px;display:flex;align-items:center;gap:10px;font-size:.87rem;font-weight:500;color:var(--navy)}
.insurance-pill svg{color:var(--blue-mid);min-width:18px}

/* FORMS PAGE */
.forms-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.25rem}
.form-dl-card{background:var(--white);border-radius:var(--radius);padding:24px;border:1px solid var(--border);display:flex;align-items:center;gap:16px;transition:box-shadow .2s,border-color .2s}
.form-dl-card:hover{box-shadow:0 8px 28px rgba(0,0,0,.08);border-color:var(--blue-mid)}
.form-dl-icon{width:44px;height:44px;background:var(--teal-light);border-radius:11px;display:flex;align-items:center;justify-content:center;min-width:44px}
.form-dl-card h4{font-size:.9rem;font-weight:600;color:var(--navy);margin-bottom:3px}
.form-dl-card a{font-size:.78rem;color:var(--blue-mid);font-weight:600;text-decoration:none}

/* HIRING */
.job-card{background:var(--white);border-radius:var(--radius);padding:28px;border:1px solid var(--border);margin-bottom:1rem}
.job-card h3{font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.job-card p{font-size:.87rem;color:var(--muted);line-height:1.65}
.job-tag{display:inline-block;background:var(--blue-light);color:var(--blue-mid);padding:3px 10px;border-radius:100px;font-size:.72rem;font-weight:600;margin-bottom:10px}

/* HOME HERO — full screen video */
.home-hero{position:relative;display:flex;align-items:center;overflow:hidden;min-height:calc(100vh - 68px);margin-top:-68px;padding-top:68px}
.home-hero-video-wrap{position:absolute;inset:0;z-index:0;background-color:var(--blue);background-size:cover;background-position:center 30%;background-color:var(--navy)}
.home-hero-video-wrap video{width:100%;height:100%;object-fit:cover;object-position:center 30%}
.home-hero-overlay{position:absolute;inset:0;background:linear-gradient(160deg,rgba(12,35,64,.85) 0%,rgba(12,35,64,.55) 50%,rgba(12,35,64,.88) 100%);z-index:1}
.home-hero-content{position:relative;z-index:2;padding:64px 5% 60px;max-width:780px}
.home-hero-badge{display:inline-flex;align-items:center;gap:12px;color:rgba(255,255,255,.75);font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;margin-bottom:1.5rem}
.home-hero-badge::before{display:none}
@keyframes hpulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.4)}}
.home-hero h1{font-family:var(--serif);font-size:clamp(2.4rem,5.2vw,4rem);font-weight:700;line-height:1.1;color:#fff;margin-bottom:1.1rem;text-shadow:0 2px 4px rgba(0,0,0,.5),0 8px 30px rgba(0,0,0,.4)}
.home-hero h1 em{font-style:normal;color:#7EEDC6}
.home-hero>.home-hero-content>p{font-size:1.1rem;color:rgba(255,255,255,.82);margin-bottom:2rem;max-width:520px;line-height:1.7}
.home-hero-buttons{display:flex;align-items:center;gap:1rem;flex-wrap:wrap}
.btn-ghost-light{color:#fff;text-decoration:none;font-weight:600;font-size:.95rem;display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:100px;border:1.5px solid rgba(255,255,255,.4);transition:border-color .2s,background .2s;backdrop-filter:blur(4px);background:rgba(255,255,255,.08);cursor:pointer;font-family:var(--sans)}
.btn-ghost-light:hover{border-color:rgba(255,255,255,.8);background:rgba(255,255,255,.15)}
.home-hero-stats{display:flex;gap:2.2rem;margin-top:2.5rem;padding-top:1.75rem;border-top:1px solid rgba(255,255,255,.15);flex-wrap:wrap}
.home-hero-stat-num{font-family:var(--serif);font-size:1.8rem;font-weight:700;color:#7EEDC6;line-height:1}
.home-hero-stat-label{font-size:.76rem;color:rgba(255,255,255,.6);font-weight:500;margin-top:3px}
.home-hero-awards{position:absolute;bottom:30px;right:5%;z-index:2;display:flex;gap:10px}
.award-pill{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);backdrop-filter:blur(10px);border-radius:100px;padding:7px 14px;display:flex;align-items:center;gap:7px;color:#fff;font-size:.74rem;font-weight:600}
.scroll-hint{position:absolute;bottom:30px;left:50%;transform:translateX(-50%);z-index:2;display:flex;flex-direction:column;align-items:center;gap:5px;color:rgba(255,255,255,.5);font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;animation:hbounce 2s ease-in-out infinite}
@keyframes hbounce{0%,100%{transform:translateX(-50%) translateY(0)}50%{transform:translateX(-50%) translateY(6px)}}

/* HOME TEASER SECTIONS */
.teaser-services-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:1.1rem}
.teaser-card{background:var(--white);border-radius:var(--radius);padding:22px;border:1px solid var(--border);transition:transform .22s,box-shadow .22s,border-color .22s;cursor:pointer;text-align:center}
.teaser-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(30,58,95,.1);border-color:var(--blue-mid)}
.teaser-icon{width:46px;height:46px;background:var(--teal-light);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;margin:0 auto 10px}
.teaser-card h4{font-size:.88rem;font-weight:600;color:var(--navy)}

@media(max-width:900px){.home-hero-awards{display:none}.scroll-hint{display:none}}
@media(max-width:640px){.home-hero h1{font-size:2.2rem}.home-hero-stats{gap:1.4rem}}

/* STAFF / TEAM */
.staff-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:1.5rem;margin-top:2rem}
.staff-card{background:var(--white);border-radius:var(--radius);padding:26px;border:1px solid var(--border);text-align:center;cursor:pointer;transition:transform .22s,box-shadow .22s,border-color .22s;text-decoration:none;color:inherit;display:block}
.staff-card:hover{transform:translateY(-4px);box-shadow:0 14px 36px rgba(0,0,0,.08);border-color:var(--blue-mid)}
.staff-photo{width:88px;height:88px;border-radius:50%;background:linear-gradient(135deg,var(--blue-mid) 0%,var(--blue) 100%);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;font-size:1.5rem;color:#fff;margin:0 auto 16px;transition:transform .22s}
.staff-card:hover .staff-photo{transform:scale(1.05)}
.staff-card h3{font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:4px}
.staff-role{font-size:.78rem;color:var(--blue-mid);font-weight:600;margin-bottom:10px}
.staff-card .staff-blurb{font-size:.8rem;color:var(--muted);line-height:1.5}
.staff-view{display:inline-flex;align-items:center;gap:4px;color:var(--blue-mid);font-size:.78rem;font-weight:600;margin-top:12px;transition:gap .2s}
.staff-card:hover .staff-view{gap:7px}

/* STAFF BIO PAGE */
.bio-header{display:flex;gap:2.5rem;align-items:flex-start;flex-wrap:wrap}
.bio-photo-large{width:160px;height:160px;min-width:160px;border-radius:24px;background:linear-gradient(135deg,var(--blue-mid) 0%,var(--blue) 100%);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;font-size:2.6rem;color:#fff;box-shadow:0 12px 32px rgba(29,158,117,.25)}
.bio-info{flex:1;min-width:260px}
.bio-info h1{font-family:var(--serif);font-size:clamp(1.8rem,3.2vw,2.4rem);color:var(--navy);font-weight:700;margin-bottom:.4rem}
.bio-info .bio-role{font-size:1rem;color:var(--blue-mid);font-weight:600;margin-bottom:1rem}
.bio-tags{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:1rem}
.bio-tag{background:var(--teal-light);color:var(--teal-dark);padding:5px 13px;border-radius:100px;font-size:.78rem;font-weight:600}
.bio-location{display:flex;align-items:center;gap:6px;font-size:.85rem;color:var(--muted)}
.bio-section{margin-top:2.5rem}
.bio-section h3{font-size:.95rem;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.05em;margin-bottom:.9rem}
.bio-section p{font-size:.92rem;color:var(--muted);line-height:1.75;margin-bottom:.9rem}

/* MOBILE */
@media(max-width:900px){
  .bio-header{flex-direction:column;align-items:center;text-align:center}
  .bio-tags{justify-content:center}
  .content-grid,.content-grid.reverse{grid-template-columns:1fr;gap:2rem}
  .footer-grid{grid-template-columns:1fr 1fr;gap:2rem}
  .nav-links{display:none}
  .two-col-list{grid-template-columns:1fr}
}
@media(max-width:640px){
  section{padding:56px 5%}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;text-align:center}
  .hero-thumb{width:64px;height:64px}
  .page-hero{padding:60px 5% 48px}
}