:root {
  --ink: #17231d;
  --green: #143f32;
  --green-bright: #207b5c;
  --mint: #dcece2;
  --ivory: #f6f3eb;
  --white: #fff;
  --gold: #d5a84c;
  --line: #d8ddd8;
  --muted: #65736a;
  --radius: 6px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--ivory); font-family: "DM Sans", sans-serif; }
button, input, select, textarea { font: inherit; }
a { color: inherit; text-decoration: none; }
svg { width: 19px; height: 19px; stroke-width: 1.8; }

.site-header { height: 82px; padding: 0 5vw; display: flex; align-items: center; gap: 32px; background: rgba(246,243,235,.96); position: sticky; top: 0; z-index: 20; border-bottom: 1px solid rgba(23,35,29,.1); backdrop-filter: blur(14px); }
.brand { display: inline-flex; align-items: center; gap: 11px; margin-right: auto; }
.brand-mark { width: 42px; height: 42px; display: grid; place-items: center; background: var(--green); color: var(--gold); font: 700 27px/1 "Playfair Display", serif; border-radius: 50% 50% 50% 8px; }
.brand-copy { display: grid; text-transform: uppercase; line-height: 1; }
.brand-copy strong { font-family: "Playfair Display", serif; font-size: 21px; letter-spacing: 0; }
.brand-copy small { margin-top: 5px; color: var(--muted); font-size: 9px; font-weight: 700; letter-spacing: 2px; }
.desktop-nav { display: flex; gap: 30px; font-size: 13px; font-weight: 700; }
.desktop-nav a { padding: 10px 0; border-bottom: 2px solid transparent; }
.desktop-nav a:hover { border-color: var(--gold); }
.button { min-height: 48px; display: inline-flex; align-items: center; justify-content: center; gap: 9px; padding: 0 20px; border: 1px solid transparent; border-radius: var(--radius); background: var(--green); color: white; font-weight: 700; cursor: pointer; transition: transform .2s, background .2s; }
.button:hover { transform: translateY(-2px); background: var(--green-bright); }
.button-small { min-height: 42px; font-size: 13px; }
.button-light { background: var(--white); color: var(--green); }
.button-light:hover { color: white; }
.button-gold { color: var(--ink); background: var(--gold); }
.button-gold:hover { color: white; background: #bd8d31; }
.icon-button { width: 42px; height: 42px; display: none; place-items: center; padding: 0; color: var(--ink); background: transparent; border: 1px solid var(--line); border-radius: var(--radius); }
.mobile-menu { display: none; }

.hero { min-height: calc(100vh - 82px); max-height: 900px; position: relative; display: flex; flex-direction: column; justify-content: space-between; color: white; background: url("https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=2200&q=88") center 42%/cover; }
.hero-shade { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(8,35,27,.95) 0%, rgba(8,35,27,.73) 45%, rgba(8,35,27,.12) 78%), linear-gradient(0deg, rgba(8,35,27,.68), transparent 45%); }
.hero-content { position: relative; z-index: 1; width: min(720px, 90vw); padding: clamp(80px, 13vh, 150px) 5vw 60px; }
.eyebrow { margin: 0 0 16px; color: var(--green-bright); font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; }
.eyebrow.light { color: #cce6d6; }
h1, h2, h3, p { margin-top: 0; }
h1, h2 { font-family: "Playfair Display", serif; letter-spacing: 0; }
h1 { max-width: 700px; margin-bottom: 25px; font-size: clamp(48px, 7vw, 91px); line-height: .98; }
h2 { margin-bottom: 20px; font-size: clamp(36px, 4.5vw, 62px); line-height: 1.06; }
h3 { font-size: 22px; }
.hero-intro { max-width: 600px; color: #ecf3ef; font-size: 18px; line-height: 1.7; }
.hero-actions { margin-top: 34px; display: flex; align-items: center; gap: 28px; }
.text-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; border-bottom: 1px solid currentColor; padding-bottom: 5px; }
.light-link { color: white; }
.hero-proof { position: relative; z-index: 1; width: 100%; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid rgba(255,255,255,.25); background: rgba(10,43,33,.58); backdrop-filter: blur(8px); }
.hero-proof div { padding: 25px 5vw; border-right: 1px solid rgba(255,255,255,.2); display: grid; gap: 6px; }
.hero-proof strong { font-family: "Playfair Display", serif; font-size: 20px; }
.hero-proof span { color: #d5e2da; font-size: 12px; }

.statement { padding: 110px 5vw; text-align: center; background: white; }
.statement h2 { max-width: 1000px; margin-left: auto; margin-right: auto; }
.statement > p:last-child { max-width: 700px; margin: 24px auto 0; color: var(--muted); line-height: 1.8; }
.section { padding: 105px 5vw; }
.section-heading { margin-bottom: 48px; display: flex; justify-content: space-between; align-items: end; gap: 40px; }
.section-heading h2 { max-width: 700px; margin-bottom: 0; }
.section-heading > p { max-width: 400px; color: var(--muted); line-height: 1.7; }
.solution-grid { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--line); }
.solution-card { min-height: 390px; padding: 35px; display: flex; flex-direction: column; align-items: flex-start; background: white; border-right: 1px solid var(--line); position: relative; }
.solution-card:last-child { border-right: 0; }
.solution-card > svg { width: 38px; height: 38px; margin: 58px 0 24px; color: var(--green-bright); }
.solution-card p { color: var(--muted); line-height: 1.7; }
.solution-card a { margin-top: auto; display: inline-flex; gap: 8px; align-items: center; color: var(--green-bright); font-weight: 700; }
.card-number { color: #98a69d; font-size: 12px; font-weight: 700; }
.feature-card { color: white; background: var(--green); }
.feature-card p { color: #cddbd3; }
.feature-card a, .feature-card > svg { color: #f1c86f; }

.agent-hub { display: grid; grid-template-columns: .9fr 1.1fr; gap: 7vw; color: white; background: var(--green); }
.hub-intro { align-self: center; }
.hub-intro p:not(.eyebrow) { max-width: 520px; color: #cddbd3; line-height: 1.8; }
.hub-intro .button { margin-top: 20px; }
.hub-tools { align-self: center; border: 1px solid rgba(255,255,255,.22); }
.hub-tabs { display: grid; grid-template-columns: repeat(3, 1fr); border-bottom: 1px solid rgba(255,255,255,.22); }
.hub-tab { min-height: 58px; border: 0; border-right: 1px solid rgba(255,255,255,.22); color: #cddbd3; background: transparent; font-weight: 700; cursor: pointer; }
.hub-tab:last-child { border: 0; }
.hub-tab.active { color: var(--ink); background: var(--gold); }
.tab-panel { display: none; }
.tab-panel.active { display: grid; }
.tab-panel a { min-height: 78px; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; border-bottom: 1px solid rgba(255,255,255,.15); transition: background .2s; }
.tab-panel a:last-child { border: 0; }
.tab-panel a:hover { background: rgba(255,255,255,.08); }
.tab-panel span { display: flex; align-items: center; gap: 13px; font-weight: 600; }

.carriers { background: white; }
.carrier-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.carrier { min-height: 145px; padding: 26px; display: flex; flex-direction: column; justify-content: space-between; align-items: flex-start; border: 0; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); background: white; color: var(--ink); cursor: pointer; text-align: left; transition: background .2s; }
.carrier:hover { background: var(--mint); }
.carrier strong { font-family: "Playfair Display", serif; font-size: 20px; }
.carrier span { display: flex; align-items: center; gap: 8px; color: var(--green-bright); font-size: 12px; font-weight: 700; }

.about { display: grid; grid-template-columns: 1fr 1fr; gap: 7vw; align-items: center; background: var(--ivory); }
.about-image { min-height: 670px; background: url("https://images.unsplash.com/photo-1556761175-4b46a572b786?auto=format&fit=crop&w=1200&q=88") center/cover; }
.about-copy > p:not(.eyebrow) { color: var(--muted); line-height: 1.8; }
.values { margin-top: 38px; border-top: 1px solid var(--line); }
.values div { padding: 20px 0; display: flex; gap: 18px; border-bottom: 1px solid var(--line); }
.values svg { flex: 0 0 auto; color: var(--green-bright); }
.values span { display: grid; gap: 5px; color: var(--muted); font-size: 13px; }
.values strong { color: var(--ink); font-size: 15px; }

.contact { display: grid; grid-template-columns: .9fr 1.1fr; gap: 8vw; color: white; background: #102b23; }
.contact-copy p:not(.eyebrow) { color: #cddbd3; line-height: 1.8; }
.contact-details { margin-top: 36px; display: grid; gap: 14px; }
.contact-details a { display: flex; align-items: center; gap: 12px; }
.contact-form { padding: 35px; display: grid; gap: 18px; background: white; color: var(--ink); border-radius: var(--radius); }
.contact-form label { display: grid; gap: 7px; font-size: 12px; font-weight: 700; }
.contact-form input, .contact-form select, .contact-form textarea { width: 100%; padding: 13px; border: 1px solid var(--line); border-radius: 3px; background: #fbfcfa; color: var(--ink); outline: none; }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { border-color: var(--green-bright); box-shadow: 0 0 0 3px rgba(32,123,92,.12); }
.contact-form textarea { resize: vertical; }
.form-honeypot { position: absolute; left: -9999px; opacity: 0; pointer-events: none; }
.form-note { margin: -5px 0 0; color: var(--muted); font-size: 10px; text-align: center; }
.form-note a { color: var(--green-bright); font-weight: 700; text-decoration: underline; }

footer { padding: 38px 5vw; display: grid; grid-template-columns: 1fr auto auto; align-items: center; gap: 35px; background: var(--ivory); border-top: 1px solid var(--line); }
.footer-brand { margin: 0; }
footer > p { margin: 0; color: var(--muted); font-size: 13px; }
.footer-links { display: flex; gap: 24px; font-size: 12px; font-weight: 700; }
footer > small { grid-column: 1 / -1; padding-top: 22px; color: var(--muted); border-top: 1px solid var(--line); font-size: 10px; }
.toast { position: fixed; right: 22px; bottom: 22px; z-index: 50; max-width: 360px; padding: 15px 18px; color: white; background: var(--green); border-left: 4px solid var(--gold); border-radius: var(--radius); box-shadow: 0 15px 40px rgba(0,0,0,.18); transform: translateY(120px); opacity: 0; transition: .3s; }
.toast.show { transform: translateY(0); opacity: 1; }

@media (max-width: 900px) {
  .desktop-nav, .desktop-cta { display: none; }
  .menu-toggle { display: grid; }
  .mobile-menu { position: fixed; inset: 82px 0 auto; z-index: 19; padding: 24px 5vw; gap: 20px; background: var(--ivory); border-bottom: 1px solid var(--line); box-shadow: 0 15px 35px rgba(0,0,0,.08); }
  .mobile-menu.open { display: grid; }
  .mobile-menu a:not(.button) { font-weight: 700; }
  .hero { min-height: 780px; background-position: 60% center; }
  .hero-shade { background: linear-gradient(90deg, rgba(8,35,27,.94), rgba(8,35,27,.52)), linear-gradient(0deg, rgba(8,35,27,.8), transparent 50%); }
  .hero-proof { grid-template-columns: 1fr; }
  .hero-proof div { padding: 16px 5vw; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.18); }
  .section-heading { align-items: start; flex-direction: column; gap: 12px; }
  .solution-grid, .carrier-grid { grid-template-columns: 1fr; }
  .solution-card { min-height: 330px; border-right: 0; border-bottom: 1px solid var(--line); }
  .agent-hub, .about, .contact { grid-template-columns: 1fr; }
  .about-image { min-height: 480px; }
  footer { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .site-header { height: 72px; padding: 0 18px; }
  .brand-mark { width: 38px; height: 38px; }
  .brand-copy strong { font-size: 18px; }
  .mobile-menu { top: 72px; }
  .hero { min-height: 760px; max-height: none; }
  .hero-content { padding: 70px 20px 45px; }
  h1 { font-size: 49px; }
  h2 { font-size: 38px; }
  .hero-intro { font-size: 16px; }
  .hero-actions { align-items: flex-start; flex-direction: column; gap: 20px; }
  .statement, .section { padding: 75px 20px; }
  .solution-card { padding: 28px; }
  .hub-tabs { grid-template-columns: 1fr; }
  .hub-tab { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.22); }
  .about-image { min-height: 360px; }
  .contact-form { padding: 22px; }
  footer { padding: 34px 20px; }
}