:root {
  --gold: #C9A84C;
  --gold-light: #F0C040;
  --gold-dark: #A07830;
  --black: #0A0A0A;
  --dark: #141414;
  --card: #1A1A1A;
  --border: #2A2A2A;
  --text: #F0F0F0;
  --muted: #999;
}

* { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { background:var(--black); color:var(--text); font-family:'Segoe UI',Arial,sans-serif; }

/* ── HEADER ── */
header {
  background:var(--dark);
  border-bottom:1px solid var(--border);
  padding:14px 24px;
  display:flex; align-items:center; justify-content:space-between;
  position:sticky; top:0; z-index:100;
}
.logo { display:flex; align-items:center; gap:12px; }
.logo-badge { width:56px; height:40px; }
.logo-text { line-height:1.2; }
.logo-text span { display:block; }
.logo-text .name { font-weight:800; font-size:15px; color:var(--gold); letter-spacing:.5px; }
.logo-text .sub { font-size:11px; color:var(--muted); }
header a.cta-btn {
  background:linear-gradient(135deg,var(--gold),var(--gold-dark));
  color:#000; font-weight:800; font-size:13px;
  padding:10px 18px; border-radius:6px; text-decoration:none;
  white-space:nowrap; letter-spacing:.3px;
}

/* ── HERO ── */
.hero {
  background: radial-gradient(ellipse at top, #1f1500 0%, var(--black) 70%);
  padding:70px 24px 60px;
  text-align:center;
  border-bottom:1px solid var(--border);
}
.hero h1 {
  font-size:clamp(28px,6vw,54px);
  font-weight:900;
  line-height:1.1;
  letter-spacing:-1px;
  text-transform:uppercase;
  color:#fff;
}
.hero h1 em { color:var(--gold-light); font-style:normal; }
.hero p {
  margin:18px auto 0;
  max-width:520px;
  font-size:16px;
  color:var(--muted);
  line-height:1.6;
}
.hero p strong { color:var(--gold); }
.hero .cta-hero {
  display:inline-block;
  margin-top:32px;
  background:linear-gradient(135deg,var(--gold-light),var(--gold-dark));
  color:#000; font-weight:900; font-size:17px;
  padding:16px 36px; border-radius:8px; text-decoration:none;
  letter-spacing:.3px; box-shadow:0 4px 24px rgba(201,168,76,.35);
  transition:transform .15s,box-shadow .15s;
}
.hero .cta-hero:hover { transform:translateY(-2px); box-shadow:0 8px 32px rgba(201,168,76,.5); }
.hero .sub-cta { margin-top:14px; font-size:13px; color:var(--muted); }

/* ── SECTION TITLE ── */
.sec-title {
  text-align:center;
  padding:52px 24px 32px;
}
.sec-title h2 { font-size:clamp(20px,4vw,30px); font-weight:900; text-transform:uppercase; letter-spacing:.5px; }
.sec-title h2 span { color:var(--gold); }
.sec-title p { color:var(--muted); font-size:14px; margin-top:8px; }

/* ── INSURANCE CARDS ── */
.cards-grid {
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(200px,1fr));
  gap:16px;
  padding:0 24px 52px;
  max-width:900px; margin:0 auto;
}
.ins-card {
  background:var(--card);
  border:1px solid var(--border);
  border-radius:12px;
  padding:28px 20px;
  text-align:center;
  cursor:pointer;
  transition:border-color .2s, transform .2s, box-shadow .2s;
}
.ins-card:hover, .ins-card.active {
  border-color:var(--gold);
  transform:translateY(-4px);
  box-shadow:0 8px 28px rgba(201,168,76,.2);
}
.ins-card .icon { font-size:40px; margin-bottom:12px; }
.ins-card .label { font-size:11px; color:var(--muted); text-transform:uppercase; letter-spacing:1px; }
.ins-card .type { font-size:18px; font-weight:900; color:var(--gold); text-transform:uppercase; margin-top:2px; }
.ins-card p { font-size:13px; color:var(--muted); margin-top:10px; line-height:1.5; }

/* ── TRUST BAR ── */
.trust-bar {
  background:linear-gradient(90deg,#1a1100,#2a1f00,#1a1100);
  border-top:1px solid var(--border); border-bottom:1px solid var(--border);
  padding:28px 24px;
}
.trust-items {
  display:flex; flex-wrap:wrap; justify-content:center; gap:32px;
  max-width:800px; margin:0 auto;
}
.trust-item { display:flex; align-items:center; gap:10px; }
.trust-item .ti { font-size:22px; }
.trust-item div .t1 { font-weight:800; font-size:14px; color:var(--gold); }
.trust-item div .t2 { font-size:12px; color:var(--muted); }

/* ── FORM ── */
.form-section {
  padding:52px 24px;
  max-width:560px; margin:0 auto;
  scroll-margin-top:70px;
}
.form-section h2 { font-size:clamp(20px,4vw,28px); font-weight:900; text-align:center; text-transform:uppercase; }
.form-section h2 span { color:var(--gold); }
.form-section .fsub { text-align:center; color:var(--muted); font-size:14px; margin-top:8px 0 28px; }
.form-box {
  background:var(--card); border:1px solid var(--border);
  border-radius:14px; padding:32px 28px; margin-top:24px;
}
.field { margin-bottom:18px; }
.field label { display:block; font-size:13px; font-weight:700; color:var(--gold); margin-bottom:6px; letter-spacing:.3px; }
.field input, .field select {
  width:100%; padding:13px 16px;
  background:#0f0f0f; border:1px solid var(--border);
  border-radius:8px; color:var(--text); font-size:15px;
  outline:none; transition:border-color .2s;
  appearance:none; -webkit-appearance:none;
}
.field input:focus, .field select:focus { border-color:var(--gold); }
.field select option { background:#1a1a1a; }
.qualifier { display:none; }
.qualifier.visible { display:block; }
.submit-btn {
  width:100%; padding:16px;
  background:linear-gradient(135deg,var(--gold-light),var(--gold-dark));
  color:#000; font-weight:900; font-size:17px;
  border:none; border-radius:8px; cursor:pointer;
  letter-spacing:.3px; box-shadow:0 4px 20px rgba(201,168,76,.3);
  transition:transform .15s, box-shadow .15s;
  margin-top:8px;
}
.submit-btn:hover { transform:translateY(-2px); box-shadow:0 8px 32px rgba(201,168,76,.5); }
.submit-btn:disabled { opacity:.6; cursor:not-allowed; transform:none; }
.privacy { text-align:center; font-size:12px; color:var(--muted); margin-top:14px; }
.privacy a { color:var(--gold); text-decoration:none; }

/* ── SUCCESS ── */
#success-msg {
  display:none; text-align:center; padding:32px 20px;
}
#success-msg .check { font-size:56px; }
#success-msg h3 { font-size:22px; font-weight:900; color:var(--gold); margin-top:12px; }
#success-msg p { color:var(--muted); font-size:14px; margin-top:8px; line-height:1.6; }
#success-msg .wa-btn {
  display:inline-flex; align-items:center; gap:10px;
  margin-top:24px;
  background:#25D366; color:#fff; font-weight:800; font-size:16px;
  padding:14px 28px; border-radius:8px; text-decoration:none;
  box-shadow:0 4px 20px rgba(37,211,102,.3);
}

/* ── PARTNERS ── */
.partners { padding:40px 24px; text-align:center; border-top:1px solid var(--border); }
.partners h3 { font-size:13px; text-transform:uppercase; letter-spacing:2px; color:var(--muted); margin-bottom:20px; }
.partner-logos { display:flex; flex-wrap:wrap; justify-content:center; gap:12px; }
.partner-logos span {
  background:var(--card); border:1px solid var(--border);
  border-radius:6px; padding:8px 16px;
  font-size:12px; font-weight:700; color:var(--muted); letter-spacing:.5px;
}

/* ── FOOTER ── */
footer {
  background:var(--dark); border-top:1px solid var(--border);
  padding:28px 24px; text-align:center;
}
footer .fn { font-weight:800; font-size:15px; color:var(--gold); }
footer p { font-size:12px; color:var(--muted); margin-top:6px; line-height:1.8; }
footer a { color:var(--gold); text-decoration:none; }

@media(max-width:480px){
  .form-box { padding:24px 18px; }
  header a.cta-btn { font-size:12px; padding:9px 14px; }
}