* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: 'Inter', sans-serif;
  background-color: #ffffff;
  color: #1a2c3e;
  line-height: 1.5;
  scroll-behavior: smooth;
}

/* container utility */
.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
}

/* header & navigation */
.site-header {
  background: #ffffff;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.02), 0 1px 2px rgba(0, 0, 0, 0.03);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid #eef2f6;
}

.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 0;
  flex-wrap: wrap;
}

.logo-area {
  display: flex;
  align-items: baseline;
  gap: 6px;
  flex-wrap: wrap;
}

.brand-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.75rem;
  font-weight: 600;
  letter-spacing: -0.3px;
  color: #0f2b3d;
}

.brand-name span {
  font-weight: 400;
  color: #b68b40;
}

.broker-badge {
  font-size: 0.8rem;
  font-weight: 500;
  background: #f5f2eb;
  padding: 4px 10px;
  border-radius: 40px;
  color: #7a5a3a;
  letter-spacing: 0.3px;
}

.nav-links {
  display: flex;
  gap: 2rem;
  align-items: center;
}

.nav-links a {
  text-decoration: none;
  font-weight: 500;
  font-size: 0.95rem;
  color: #2c3f4f;
  transition: color 0.2s;
}

.nav-links a:hover {
  color: #b68b40;
}

.btn-outline {
  border: 1.5px solid #b68b40;
  background: transparent;
  padding: 8px 20px;
  border-radius: 40px;
  font-weight: 600;
  font-size: 0.85rem;
  color: #b68b40;
  transition: all 0.2s;
  cursor: pointer;
}

.btn-outline:hover {
  background: #b68b40;
  color: white;
}

/* hero section */
.hero {
  background: linear-gradient(105deg, #faf9f7 0%, #f3efe8 100%);
  padding: 5rem 0 6rem;
}

.hero-grid {
  display: flex;
  align-items: center;
  gap: 3rem;
  flex-wrap: wrap;
}

.hero-content {
  flex: 1.2;
}

.hero-badge {
  display: inline-block;
  background: rgba(182, 139, 64, 0.12);
  color: #9b6e3c;
  font-weight: 600;
  font-size: 0.8rem;
  padding: 4px 14px;
  border-radius: 30px;
  margin-bottom: 1.5rem;
  letter-spacing: 0.3px;
}

.hero-content h1 {
  font-family: 'Playfair Display', serif;
  font-size: 3.5rem;
  line-height: 1.2;
  font-weight: 600;
  color: #0f2b3d;
  margin-bottom: 1.25rem;
}

.hero-content p {
  font-size: 1.1rem;
  color: #3b4f5e;
  margin-bottom: 2rem;
  max-width: 90%;
}

.hero-stats {
  display: flex;
  gap: 2rem;
  margin: 2rem 0 1rem;
}

.stat-item h3 {
  font-size: 1.8rem;
  font-weight: 700;
  color: #b68b40;
  margin-bottom: 0.2rem;
}

.stat-item p {
  font-size: 0.85rem;
  font-weight: 500;
  color: #556b7c;
  margin: 0;
}

.btn-primary {
  background: #b68b40;
  border: none;
  padding: 14px 32px;
  border-radius: 40px;
  font-weight: 600;
  font-size: 1rem;
  color: white;
  cursor: pointer;
  transition: 0.2s;
  box-shadow: 0 8px 16px -8px rgba(182, 139, 64, 0.3);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.btn-primary:hover {
  background: #9c7437;
  transform: translateY(-2px);
}

.hero-visual {
  flex: 1;
  background: #e7dfd3;
  border-radius: 32px;
  padding: 1.8rem;
  text-align: center;
  box-shadow: 0 20px 35px -12px rgba(0, 0, 0, 0.08);
}

.shield-icon {
  font-size: 5rem;
  color: #b68b40;
  margin-bottom: 1rem;
}

.hero-visual p {
  font-style: italic;
  color: #5b4b34;
  font-weight: 500;
}

/* services section */
.services {
  padding: 5rem 0;
  background: #ffffff;
}

.section-title {
  text-align: center;
  font-family: 'Playfair Display', serif;
  font-size: 2.4rem;
  font-weight: 600;
  color: #0f2b3d;
  margin-bottom: 0.8rem;
}

.section-sub {
  text-align: center;
  color: #6b7f8e;
  max-width: 650px;
  margin: 0 auto 3rem auto;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
}

.service-card {
  background: #fefcf9;
  border-radius: 28px;
  padding: 2rem 1.5rem;
  transition: all 0.25s;
  border: 1px solid #f0e9e0;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.02);
}

.service-card:hover {
  transform: translateY(-6px);
  border-color: #e4d5c2;
  box-shadow: 0 20px 25px -12px rgba(0, 0, 0, 0.08);
}

.service-icon {
  font-size: 2.5rem;
  color: #b68b40;
  margin-bottom: 1.2rem;
}

.service-card h3 {
  font-size: 1.5rem;
  font-weight: 600;
  margin-bottom: 1rem;
}

.service-card p {
  color: #536878;
  line-height: 1.5;
}

/* about / company ethos */
.about-section {
  background: #f7f4ef;
  padding: 5rem 0;
}

.about-flex {
  display: flex;
  flex-wrap: wrap;
  gap: 3rem;
  align-items: center;
}

.about-text {
  flex: 1;
}

.about-text h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem;
  margin-bottom: 1.2rem;
}

.about-text p {
  margin-bottom: 1rem;
  color: #3e5566;
}

.signature-line {
  margin-top: 1.5rem;
  font-family: 'Playfair Display', serif;
  font-style: italic;
  font-size: 1.1rem;
  color: #b68b40;
  border-left: 3px solid #b68b40;
  padding-left: 1rem;
}

.about-stats {
  flex: 0.8;
  background: white;
  border-radius: 28px;
  padding: 2rem;
  box-shadow: 0 10px 20px rgba(0, 0, 0, 0.02);
}

.about-stats .stat-row {
  display: flex;
  justify-content: space-between;
  border-bottom: 1px solid #ede6dc;
  padding: 1rem 0;
}

.stat-label {
  font-weight: 600;
}

.stat-number {
  font-weight: 700;
  color: #b68b40;
}

/* testimonials */
.testimonials {
  padding: 5rem 0;
  background: #ffffff;
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.testimonial-card {
  background: #fefbf7;
  padding: 2rem;
  border-radius: 28px;
  border: 1px solid #efe5d9;
}

.testimonial-card i {
  color: #dbb879;
  font-size: 1.8rem;
  margin-bottom: 1rem;
  display: inline-block;
}

.testimonial-card p {
  font-style: normal;
  font-weight: 400;
  color: #2b485e;
  margin-bottom: 1.2rem;
}

.client-name {
  font-weight: 700;
  color: #1f3b4c;
}

.client-title {
  font-size: 0.8rem;
  color: #b68b40;
}

/* contact + CTA */
.contact-cta {
  background: linear-gradient(135deg, #1e3a4d 0%, #0f2b3b 100%);
  padding: 4rem 0;
  color: white;
  text-align: center;
}

.contact-cta h2 {
  font-size: 2rem;
  font-family: 'Playfair Display', serif;
  margin-bottom: 1rem;
}

.contact-cta p {
  max-width: 550px;
  margin: 0 auto 2rem auto;
  opacity: 0.85;
}

.btn-light {
  background: white;
  color: #1e3a4d;
  padding: 12px 32px;
  border-radius: 40px;
  font-weight: 600;
  border: none;
  cursor: pointer;
  transition: 0.2s;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: 12px;
}

.btn-light:hover {
  background: #f0e5d8;
  transform: scale(0.98);
}

/* footer */
.footer {
  background: #0b212e;
  color: #cbdbe0;
  padding: 3rem 0 2rem;
  font-size: 0.9rem;
}

.footer-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 2rem;
  margin-bottom: 2.5rem;
}

.footer-col h4 {
  color: #e6cfaa;
  margin-bottom: 1rem;
  font-weight: 600;
}

.footer-col p, .footer-col a {
  color: #b9c7d0;
  text-decoration: none;
  line-height: 1.6;
}

.footer-col a:hover {
  color: #dbb879;
}

.footer-bottom {
  border-top: 1px solid #2a4457;
  padding-top: 1.5rem;
  text-align: center;
  font-size: 0.8rem;
}

/* responsive */
@media (max-width: 860px) {
  .header-inner {
    flex-direction: column;
    gap: 1rem;
  }
  .nav-links {
    flex-wrap: wrap;
    justify-content: center;
    gap: 1.2rem;
  }
  .hero-content h1 {
    font-size: 2.5rem;
  }
  .hero-content p {
    max-width: 100%;
  }
  .container {
    padding: 0 24px;
  }
  .hero-stats {
    flex-wrap: wrap;
  }
}