:root{
    --teal-900:#0A9206;
    --teal-700:#12C50C;
    --teal-600:#2AD524;
    --teal-100:#E1F9DF;
    --grey-900:#1E1E21;
    --grey-800:#2C2C30;
    --grey-700:#3F3F44;
    --grey-500:#75757B;
    --grey-100:#EDEDEF;
    --gold-500:#F2A93B;
    --gold-300:#FBD79A;
    --coral-500:#1E1E21;
    --coral-100:#EDEDEF;
    --cream:#FBF8F2;
    --cream-2:#F3EDE0;
    --ink:#232326;
    --ink-soft:#5B5B60;
    --white:#ffffff;
    --radius-lg:28px;
    --radius-md:18px;
    --radius-pill:999px;
    --shadow-soft:0 20px 40px -18px rgba(15,92,78,0.35);
    --shadow-card:0 12px 30px -14px rgba(15,36,32,0.18);
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:'Plus Jakarta Sans', sans-serif;
    background-color:var(--cream);
    background-image:url("data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A//www.w3.org/2000/svg%22%20width%3D%22160%22%20height%3D%22160%22%20viewBox%3D%220%200%20160%20160%22%3E%0A%3Cg%20fill%3D%22%2312C50C%22%20fill-opacity%3D%220.05%22%3E%0A%3Cpath%20d%3D%22M30%2020c14%204%2024%2018%2020%2034-4%2014-18%2022-32%2018-8-16-2-38%2012-52z%22/%3E%0A%3Cpath%20d%3D%22M30%2020c10%2010%2014%2024%208%2036%22%20stroke%3D%22%2312C50C%22%20stroke-opacity%3D%220.06%22%20stroke-width%3D%222%22%20fill%3D%22none%22/%3E%0A%3C/g%3E%0A%3Cg%20fill%3D%22%23F2A93B%22%20fill-opacity%3D%220.045%22%20transform%3D%22translate%28100%2C90%29%20rotate%2835%29%22%3E%0A%3Cpath%20d%3D%22M20%2010c12%203%2020%2015%2017%2028-3%2012-15%2018-27%2015-7-13-2-32%2010-43z%22/%3E%0A%3C/g%3E%0A%3Cg%20fill%3D%22%2312C50C%22%20fill-opacity%3D%220.04%22%20transform%3D%22translate%28115%2C15%29%20rotate%28-20%29%20scale%280.7%29%22%3E%0A%3Cpath%20d%3D%22M20%2010c12%203%2020%2015%2017%2028-3%2012-15%2018-27%2015-7-13-2-32%2010-43z%22/%3E%0A%3C/g%3E%0A%3C/svg%3E");
    background-repeat:repeat;
    background-size:160px 160px;
    color:var(--ink);
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
    position:relative;
  }
  /* ---------- Ambient nature-blur background layer ---------- */
  body::before, body::after{
    content:"";
    position:fixed;
    border-radius:50%;
    pointer-events:none;
    z-index:0;
    filter:blur(90px);
  }
  body::before{
    width:720px;height:720px;top:-240px;left:-220px;
    background:radial-gradient(circle, rgba(18,197,12,0.30), transparent 70%);
  }
  body::after{
    width:640px;height:640px;bottom:-220px;right:-200px;
    background:radial-gradient(circle, rgba(242,169,59,0.26), transparent 70%);
  }
  header, .hero, footer, .contact-dock{position:relative;z-index:1;}
  .wrap{position:relative;z-index:1;}
  h1,h2,h3,h4{
    font-family:'Fraunces', serif;
    margin:0;
    color:var(--grey-900);
    line-height:1.05;
    font-weight:700;
  }
  p{margin:0;color:var(--ink-soft);line-height:1.6;}
  a{text-decoration:none;color:inherit;}
  img{max-width:100%;display:block;}
  .wrap{max-width:1180px;margin:0 auto;padding:0 28px;}
  section{position:relative;}

  @keyframes heroIn{
    from{opacity:0;transform:translateY(26px);}
    to{opacity:1;transform:translateY(0);}
  }
  .hero-grid > div:first-child{animation:heroIn .85s cubic-bezier(.2,.7,.2,1) both;}
  .hero-art{animation:heroIn .95s cubic-bezier(.2,.7,.2,1) .18s both;}
  @media (prefers-reduced-motion: reduce){
    .hero-grid > div:first-child, .hero-art{animation:none;}
  }

  /* ---------- Scroll reveal animations ---------- */
  .reveal{
    opacity:0;
    transform:translateY(32px);
    transition:opacity .75s cubic-bezier(.2,.7,.2,1), transform .75s cubic-bezier(.2,.7,.2,1);
    transition-delay:var(--d, 0s);
  }
  .reveal.in-view{opacity:1;transform:translateY(0);}
  .reveal-scale{
    opacity:0;
    transform:translateY(20px) scale(.96);
    transition:opacity .7s cubic-bezier(.2,.7,.2,1), transform .7s cubic-bezier(.2,.7,.2,1);
    transition-delay:var(--d, 0s);
  }
  .reveal-scale.in-view{opacity:1;transform:translateY(0) scale(1);}
  @media (prefers-reduced-motion: reduce){
    .reveal, .reveal-scale{opacity:1;transform:none;transition:none;}
  }
  header.scrolled{box-shadow:0 8px 24px -12px rgba(15,36,32,0.18);}

  /* ---------- Buttons ---------- */
  .btn{
    display:inline-flex;
    align-items:center;
    gap:10px;
    padding:16px 30px;
    border-radius:var(--radius-pill);
    font-weight:700;
    font-size:15.5px;
    cursor:pointer;
    border:none;
    transition:transform .22s cubic-bezier(.2,.9,.3,1.3), box-shadow .22s ease, background .2s ease;
    white-space:nowrap;
  }
  .btn:active{transform:scale(.97);}
  .btn-primary{
    background:linear-gradient(135deg, var(--coral-500), var(--grey-700));
    color:#fff;
    box-shadow:0 14px 28px -10px rgba(30,30,33,0.55);
  }
  .btn-primary:hover{transform:translateY(-3px);box-shadow:0 18px 32px -8px rgba(30,30,33,0.65);}
  .btn-ghost{
    background:rgba(255,255,255,0.14);
    color:#fff;
    border:1.5px solid rgba(255,255,255,0.55);
    backdrop-filter:blur(4px);
  }
  .btn-ghost:hover{background:rgba(255,255,255,0.24);transform:translateY(-3px);}
  .btn-dark{
    background:var(--teal-700);
    color:#fff;
    box-shadow:0 14px 26px -10px rgba(15,92,78,0.5);
  }
  .btn-dark:hover{background:var(--teal-900);transform:translateY(-3px);}
  .btn-outline{
    background:transparent;
    color:var(--teal-700);
    border:2px solid var(--teal-700);
  }
  .btn-outline:hover{background:var(--teal-700);color:#fff;transform:translateY(-3px);}
  .btn-sm{padding:11px 20px;font-size:14px;}

  /* ---------- Nav ---------- */
  header{
    position:sticky;top:0;z-index:50;
    background:rgba(251,248,242,0.85);
    backdrop-filter:blur(10px);
    border-bottom:1px solid rgba(15,92,78,0.08);
  }
  .nav{display:flex;align-items:center;justify-content:space-between;padding:12px 28px;max-width:1180px;margin:0 auto;}
  .logo{display:flex;align-items:center;gap:12px;font-family:'Fraunces',serif;font-weight:800;font-size:22px;color:var(--grey-900);}
  .logo-img{
    height:64px;width:auto;object-fit:contain;
  }
  .nav-links{display:flex;gap:34px;align-items:center;font-weight:600;font-size:15px;color:var(--grey-900);}
  .nav-links a{position:relative;padding:4px 0;transition:color .2s;}
  .nav-links a:hover{color:var(--coral-500);}
  .nav-cta{display:flex;gap:12px;align-items:center;}
  .burger{display:none;background:none;border:none;cursor:pointer;padding:6px;}
  .burger span{display:block;width:24px;height:2.5px;background:var(--grey-900);margin:5px 0;border-radius:2px;}

  /* ---------- Hero ---------- */
  .hero{
    position:relative;
    background:
      linear-gradient(135deg, rgba(30,30,33,0.82), rgba(10,146,6,0.48)),
      url('assets/hero-family.jpg') center 25%/cover no-repeat;
    padding:90px 0 130px;
    overflow:hidden;
  }
  .hero-grid{display:grid;grid-template-columns:1.05fr 0.95fr;gap:50px;align-items:center;position:relative;z-index:1;}
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;
    background:var(--teal-100);color:var(--teal-700);
    padding:8px 16px;border-radius:var(--radius-pill);
    font-weight:700;font-size:13px;letter-spacing:.3px;
    margin-bottom:22px;
  }
  .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--gold-500);}
  .hero .eyebrow{
    background:rgba(255,255,255,0.16);color:#fff;
    border:1px solid rgba(255,255,255,0.3);
    backdrop-filter:blur(6px);
  }
  .hero h1{font-size:clamp(38px,4.6vw,60px);letter-spacing:-1px;color:#fff;}
  .hero h1 em{font-style:italic;color:var(--gold-500);}
  .hero p.lede{font-size:18px;margin-top:22px;max-width:480px;color:rgba(255,255,255,0.85);}
  .hero-actions{display:flex;gap:16px;margin-top:34px;flex-wrap:wrap;}
  .trust-row{display:flex;gap:26px;margin-top:44px;flex-wrap:wrap;}
  .trust-item{display:flex;align-items:center;gap:10px;font-weight:700;font-size:14px;color:#fff;}
  .trust-item .ico{width:34px;height:34px;border-radius:10px;background:#fff;box-shadow:var(--shadow-card);display:flex;align-items:center;justify-content:center;}

  .hero-art{position:relative;display:flex;align-items:center;justify-content:center;}
  .blob{
    position:absolute;width:420px;height:420px;border-radius:50%;
    background:linear-gradient(135deg,var(--gold-300),var(--coral-100));
    filter:blur(3px);
    top:-20px;right:-40px;
    opacity:.9;
    display:flex;align-items:center;justify-content:center;
  }
  .blob img{
    width:52%;height:auto;
    opacity:.8;
    filter:blur(1px);
  }
  .hero-card{
    position:relative;background:#fff;border-radius:var(--radius-lg);
    box-shadow:var(--shadow-soft);
    padding:22px;width:100%;max-width:400px;
    transform:rotate(-2deg);
  }
  .hero-card-img{
    width:100%;height:190px;object-fit:cover;border-radius:18px;margin-bottom:20px;
    display:block;
  }
  .hero-card .cover-badge{
    display:inline-block;background:var(--teal-700);color:#fff;font-weight:700;font-size:12px;
    padding:6px 14px;border-radius:var(--radius-pill);margin-bottom:16px;
  }
  .hero-card h3{font-size:26px;margin-bottom:6px;}
  .hero-card .amount{font-family:'Fraunces',serif;font-size:42px;font-weight:800;color:var(--coral-500);}
  .hero-card .amount span{font-size:16px;color:var(--ink-soft);font-family:'Plus Jakarta Sans';font-weight:600;}
  .hero-card ul{list-style:none;padding:0;margin:20px 0 0;display:flex;flex-direction:column;gap:12px;}
  .hero-card li{display:flex;gap:10px;font-size:14.5px;font-weight:600;color:var(--grey-900);align-items:center;}
  .checkmark{width:20px;height:20px;border-radius:50%;background:var(--teal-100);color:var(--teal-700);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:12px;}
  .floating-tag{
    position:absolute;background:#fff;border-radius:var(--radius-md);padding:12px 16px;box-shadow:var(--shadow-card);
    font-weight:700;font-size:13px;display:flex;align-items:center;gap:8px;
  }
  .tag-1{bottom:30px;left:-30px;color:var(--teal-700);}
  .tag-1 .dot{width:10px;height:10px;border-radius:50%;background:#31C48D;}

  /* ---------- Logo strip ---------- */
  .strip{padding:30px 0;border-top:1px solid rgba(15,92,78,0.08);border-bottom:1px solid rgba(15,92,78,0.08);background:#fff;}
  .strip .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;}
  .strip p{font-weight:700;color:var(--teal-700);font-size:13px;letter-spacing:.4px;text-transform:uppercase;}
  .strip .marks{display:flex;gap:34px;flex-wrap:wrap;opacity:.65;font-weight:700;color:var(--ink-soft);font-family:'Fraunces',serif;font-size:15px;}

  /* ---------- Section heading ---------- */
  .section-head{max-width:640px;margin:0 auto 54px;text-align:center;}
  .section-head .eyebrow{margin:0 auto 18px;}
  .section-head h2{font-size:clamp(30px,3.6vw,42px);}
  .section-head p{margin-top:16px;font-size:16.5px;}
  .section-pad{padding:100px 0;position:relative;overflow:hidden;}
  .section-pad::before, .section-pad::after{
    content:"";position:absolute;border-radius:50%;
    pointer-events:none;z-index:0;
  }
  .section-pad::before{
    width:460px;height:460px;filter:blur(75px);top:-160px;
  }
  .section-pad::after{
    width:380px;height:380px;filter:blur(80px);bottom:-160px;
  }
  .section-pad:nth-of-type(odd)::before{
    left:-160px;background:radial-gradient(circle, rgba(18,197,12,0.24), transparent 70%);
  }
  .section-pad:nth-of-type(odd)::after{
    right:-140px;background:radial-gradient(circle, rgba(242,169,59,0.16), transparent 70%);
  }
  .section-pad:nth-of-type(even)::before{
    right:-160px;left:auto;background:radial-gradient(circle, rgba(242,169,59,0.22), transparent 70%);
  }
  .section-pad:nth-of-type(even)::after{
    left:-140px;background:radial-gradient(circle, rgba(18,197,12,0.16), transparent 70%);
  }

  /* ---------- Features ---------- */
  .feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
  .feat-card{
    background:#fff;border-radius:var(--radius-lg);padding:34px 28px;
    box-shadow:var(--shadow-card);
    transition:transform .25s ease, box-shadow .25s ease;
    border:1px solid rgba(15,92,78,0.06);
  }
  .feat-card:hover{transform:translateY(-8px);box-shadow:0 24px 40px -16px rgba(15,36,32,0.22);}
  .feat-ico{
    width:56px;height:56px;border-radius:16px;display:flex;align-items:center;justify-content:center;
    margin-bottom:20px;font-size:26px;
  }
  .ico-teal{background:var(--teal-100);}
  .ico-gold{background:var(--gold-300);}
  .ico-coral{background:var(--coral-100);}
  .feat-card h3{font-size:20px;margin-bottom:10px;}
  .feat-card p{font-size:15px;}

  /* ---------- Plans ---------- */
  .plans-section{background:var(--grey-900);border-radius:48px;margin:0 20px;position:relative;overflow:hidden;}
  .plans-section::before{
    content:"";position:absolute;inset:0;
    background:radial-gradient(600px 300px at 10% 0%, rgba(255,255,255,0.08), transparent 60%);
  }
  .plans-section::after{
    content:"";position:absolute;width:480px;height:480px;border-radius:50%;
    background:radial-gradient(circle, rgba(18,197,12,0.35), transparent 70%);
    filter:blur(70px);bottom:-200px;right:-140px;pointer-events:none;
  }
  .plans-section .section-head h2, .plans-section .section-head p{color:#fff;}
  .plans-section .section-head p{color:rgba(255,255,255,0.72);}
  .plans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative;}
  .plan-card{
    background:rgba(255,255,255,0.06);
    border:1px solid rgba(255,255,255,0.14);
    border-radius:var(--radius-lg);
    padding:32px 28px;color:#fff;
    display:flex;flex-direction:column;gap:20px;
  }
  .plan-card.featured{
    background:linear-gradient(160deg,var(--gold-500),var(--coral-500));
    border:none;transform:scale(1.03);
    box-shadow:0 24px 50px -16px rgba(30,30,33,0.5);
  }
  .plan-tag{font-size:12px;font-weight:800;letter-spacing:.6px;text-transform:uppercase;opacity:.8;}
  .plan-card h3{color:#fff;font-size:24px;}
  .plan-price{font-family:'Fraunces',serif;font-weight:800;font-size:36px;}
  .plan-price span{font-size:14px;font-weight:600;opacity:.75;font-family:'Plus Jakarta Sans';}
  .plan-card ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px;flex:1;}
  .plan-card li{font-size:14.5px;display:flex;gap:10px;align-items:flex-start;opacity:.92;}
  .plan-card li .cm{width:18px;height:18px;border-radius:50%;background:rgba(255,255,255,0.2);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:10px;margin-top:2px;}
  .plan-card.featured li .cm{background:rgba(11,68,56,0.25);}

  /* ---------- Steps ---------- */
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
  .step{position:relative;padding:30px 24px;background:#fff;border-radius:var(--radius-md);box-shadow:var(--shadow-card);}
  .step-num{
    font-family:'Fraunces',serif;font-weight:800;font-size:15px;color:#fff;
    width:38px;height:38px;border-radius:50%;
    background:linear-gradient(135deg,var(--teal-600),var(--teal-900));
    display:flex;align-items:center;justify-content:center;margin-bottom:18px;
  }
  .step h4{font-size:17px;margin-bottom:8px;}
  .step p{font-size:14px;}

  /* ---------- Testimonials ---------- */
  .test-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
  .test-card{
    background:var(--cream-2);border-radius:var(--radius-lg);padding:30px;
    display:flex;flex-direction:column;gap:18px;border:1px solid rgba(15,92,78,0.08);
  }
  .stars{color:var(--gold-500);font-size:15px;letter-spacing:2px;}
  .test-card p.quote{font-size:15px;color:var(--ink);font-style:italic;}
  .test-person{display:flex;align-items:center;gap:12px;}
  .avatar{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--teal-600),var(--teal-100));display:flex;align-items:center;justify-content:center;font-weight:800;color:#fff;font-family:'Fraunces',serif;}
  .test-person strong{font-size:14px;color:var(--grey-900);display:block;}
  .test-person span{font-size:12.5px;color:var(--ink-soft);}

  /* ---------- FAQ ---------- */
  .faq{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:14px;}
  .faq-item{background:#fff;border-radius:var(--radius-md);border:1px solid rgba(15,92,78,0.1);overflow:hidden;}
  .faq-q{
    display:flex;align-items:center;justify-content:space-between;
    padding:20px 24px;cursor:pointer;font-weight:700;color:var(--grey-900);font-size:15.5px;
  }
  .faq-q .plus{width:26px;height:26px;border-radius:50%;background:var(--teal-100);color:var(--teal-700);display:flex;align-items:center;justify-content:center;font-size:16px;transition:transform .25s ease;flex-shrink:0;}
  .faq-item.open .plus{transform:rotate(45deg);background:var(--coral-100);color:var(--coral-500);}
  .faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
  .faq-a p{padding:0 24px 20px;font-size:14.5px;}
  .faq-item.open .faq-a{max-height:200px;}

  /* ---------- CTA banner ---------- */
  .cta-banner{
    background:linear-gradient(135deg,var(--coral-500),var(--gold-500));
    border-radius:var(--radius-lg);padding:60px 50px;
    display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;
    box-shadow:0 30px 60px -24px rgba(30,30,33,0.5);
  }
  .cta-banner h2{color:#fff;font-size:clamp(26px,3vw,36px);max-width:480px;}
  .cta-banner p{color:rgba(255,255,255,0.85);margin-top:10px;}

  /* ---------- Footer ---------- */
  footer{background:var(--grey-900);color:rgba(255,255,255,0.75);padding:70px 0 30px;margin-top:100px;}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,0.12);}
  .foot-grid h4{color:#fff;font-size:15px;margin-bottom:18px;font-family:'Plus Jakarta Sans';}
  .foot-grid ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:11px;}
  .foot-grid a{font-size:14px;transition:color .2s;}
  .foot-grid a:hover{color:var(--gold-500);}
  .foot-logo{color:#fff;font-family:'Fraunces',serif;font-weight:800;font-size:22px;margin-bottom:14px;display:flex;align-items:center;gap:10px;}
  .foot-logo-img{height:56px;width:auto;object-fit:contain;}
  .bottom-bar{display:flex;justify-content:space-between;padding-top:24px;font-size:13px;flex-wrap:wrap;gap:12px;}
  .dev-credit{
    text-align:center;font-size:12px;color:rgba(255,255,255,0.45);
    margin-top:18px;padding-top:18px;border-top:1px solid rgba(255,255,255,0.08);
  }

  /* ---------- Split image / text feature ---------- */
  .split-feature{display:grid;grid-template-columns:1fr 1.1fr;gap:52px;align-items:center;}
  .split-feature.reverse{grid-template-columns:1.1fr 1fr;}
  .split-feature.reverse .split-img{order:2;}
  .split-feature.reverse .split-copy{order:1;}
  .split-img{border-radius:28px;overflow:hidden;box-shadow:var(--shadow-card);}
  .split-img img{width:100%;height:100%;object-fit:cover;display:block;max-height:460px;}
  .split-copy h2{font-size:clamp(26px,3.2vw,36px);margin-top:18px;}
  .split-copy p{margin-top:16px;font-size:16px;max-width:440px;}


  #branches::before, #branches::after{display:none;} /* replaced by its own photo background below */

  .branches-section{
    position:relative;overflow:hidden;border-radius:48px;
    padding:80px 40px;
  }
  .branches-bg{
    position:absolute;inset:0;z-index:0;
    background:url('assets/hero-family.jpg') center 30%/cover no-repeat;
    filter:blur(24px) brightness(0.55) saturate(1.05);
    transform:scale(1.15);
  }
  .branches-overlay{
    position:absolute;inset:0;z-index:0;
    background:linear-gradient(160deg, rgba(20,60,18,0.78), rgba(30,30,33,0.72));
  }
  .branches-section .section-head, .branches-section .branch-grid{position:relative;z-index:1;}
  .branches-section .section-head h2, .branches-section .section-head p{color:#fff;}
  .branches-section .section-head p{color:rgba(255,255,255,0.75);}

  .branch-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
  .branch-card{
    background:rgba(60,60,64,0.38);
    backdrop-filter:blur(14px);
    -webkit-backdrop-filter:blur(14px);
    border-radius:var(--radius-md);padding:26px 24px;
    border:1px solid rgba(255,255,255,0.16);
    display:flex;flex-direction:column;gap:10px;
    transition:transform .25s ease, box-shadow .25s ease, background .25s ease;
  }
  .branch-card:hover{
    transform:translateY(-6px);
    background:rgba(60,60,64,0.5);
    box-shadow:0 22px 38px -16px rgba(0,0,0,0.4);
  }
  .branch-card h4{font-size:18px;color:#fff;}
  .branch-addr{font-size:14px;color:rgba(255,255,255,0.78);line-height:1.5;flex:1;}
  .branch-tel{
    font-weight:700;font-size:14px;color:var(--gold-500);
    display:inline-flex;align-items:center;gap:6px;
  }
  .branch-tel:hover{color:#fff;}
  .branch-map{font-size:13px;font-weight:700;color:rgba(255,255,255,0.65);}
  .branch-map:hover{color:#fff;}

  /* ---------- Plans footnote ---------- */
  .plans-footnote{
    text-align:center;color:rgba(255,255,255,0.72);font-size:14.5px;
    margin-top:38px;position:relative;
  }
  .plans-footnote a{color:var(--gold-500);font-weight:700;text-decoration:underline;text-underline-offset:3px;}
  .plans-footnote a:hover{color:#fff;}

  /* ---------- Expandable contact dock ---------- */
  .contact-dock{position:fixed;bottom:24px;right:24px;z-index:60;display:flex;flex-direction:column;align-items:flex-end;gap:14px;}
  .contact-options{display:flex;flex-direction:column;align-items:flex-end;gap:12px;}
  .contact-option{
    display:flex;align-items:center;gap:10px;
    background:var(--grey-900);border-radius:var(--radius-pill);
    padding:10px 10px;
    box-shadow:0 12px 24px -10px rgba(30,30,33,0.5);
    opacity:0;transform:translateY(14px) scale(.9);pointer-events:none;
    transition:opacity .25s ease, transform .25s cubic-bezier(.2,.8,.3,1.3), background .2s ease;
    transition-delay:0s;
  }
  .contact-options.open .contact-option{
    opacity:1;transform:translateY(0) scale(1);pointer-events:auto;
    transition-delay:var(--d, 0s);
  }
  .contact-option svg{flex-shrink:0;width:36px;height:36px;padding:8px;box-sizing:border-box;border-radius:50%;}
  .contact-whatsapp{background:#25D366;}
  .contact-call{background:var(--teal-700);}
  .contact-email{background:var(--gold-500);}
  .contact-option:hover{filter:brightness(1.08);transform:translateY(-2px) scale(1.03);}
  .contact-label{
    color:#fff;font-weight:700;font-size:13.5px;padding-right:10px;
    white-space:nowrap;
  }
  .contact-fab{
    width:58px;height:58px;border-radius:50%;border:none;cursor:pointer;
    background:var(--teal-700);
    display:flex;align-items:center;justify-content:center;position:relative;
    box-shadow:0 14px 28px -8px rgba(18,197,12,0.55);
    transition:transform .22s cubic-bezier(.2,.9,.3,1.3), box-shadow .22s ease, background .2s ease;
  }
  .contact-fab:hover{transform:scale(1.08);box-shadow:0 18px 34px -6px rgba(18,197,12,0.65);}
  .contact-fab:active{transform:scale(.95);}
  .contact-fab.open{background:var(--grey-900);}
  .contact-fab .icon-chat, .contact-fab .icon-close{
    position:absolute;transition:opacity .2s ease, transform .25s cubic-bezier(.2,.8,.3,1.3);
  }
  .contact-fab .icon-close{opacity:0;transform:rotate(-45deg) scale(.6);}
  .contact-fab .icon-chat{opacity:1;transform:rotate(0) scale(1);}
  .contact-fab.open .icon-chat{opacity:0;transform:rotate(45deg) scale(.6);}
  .contact-fab.open .icon-close{opacity:1;transform:rotate(0) scale(1);}
  @keyframes fabPulse{
    0%,100%{box-shadow:0 14px 28px -8px rgba(18,197,12,0.55);}
    50%{box-shadow:0 14px 32px -6px rgba(18,197,12,0.85);}
  }
  .contact-fab:not(.open){animation:fabPulse 2.6s ease-in-out infinite;}

  /* ======================================================
     Contact / Quote page
     ====================================================== */
  .contact-body{overflow-x:hidden;}
  .contact-body::before, .contact-body::after{display:none;} /* no ambient blobs here — the photo IS the background */

  .contact-bg{
    position:fixed;inset:0;z-index:-2;
    background:url('assets/hero-family.jpg') center 30%/cover no-repeat;
    filter:blur(24px) brightness(0.6) saturate(1.05);
    transform:scale(1.15);
  }
  .contact-bg-overlay{
    position:fixed;inset:0;z-index:-1;
    background:linear-gradient(160deg, rgba(20,60,18,0.78), rgba(30,30,33,0.72));
  }
  .contact-body header{background:rgba(30,30,33,0.35);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,0.12);}
  .contact-body header .logo, .contact-body .nav-links, .contact-body .burger span{color:#fff;}
  .contact-body .burger span{background:#fff;}
  .contact-body .nav-links a:hover{color:var(--gold-500);}
  .contact-body .btn-outline{color:#fff;border-color:rgba(255,255,255,0.55);}
  .contact-body .btn-outline:hover{background:rgba(255,255,255,0.14);color:#fff;}

  .contact-hero{padding:70px 0 100px;min-height:calc(100vh - 76px);display:flex;align-items:center;}
  .contact-hero-wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center;}

  .contact-title{color:#fff;font-size:clamp(32px,4vw,48px);letter-spacing:-0.5px;}
  .contact-title em{font-style:italic;color:var(--gold-500);}
  .contact-lede{color:rgba(255,255,255,0.85);font-size:17px;margin-top:18px;max-width:440px;}

  .contact-quicklinks{display:flex;flex-direction:column;gap:14px;margin-top:38px;}
  .quicklink{
    display:flex;align-items:center;gap:14px;
    background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.18);
    backdrop-filter:blur(6px);border-radius:var(--radius-md);
    padding:14px 18px;color:#fff;transition:transform .2s ease, background .2s ease;
  }
  .quicklink:hover{transform:translateX(4px);background:rgba(255,255,255,0.16);}
  .quicklink-ico{font-size:22px;flex-shrink:0;}
  .quicklink strong{font-size:14.5px;}
  .quicklink span span, .quicklink span{font-size:13.5px;color:rgba(255,255,255,0.8);line-height:1.5;}

  .contact-form-card{
    background:rgba(251,248,242,0.97);
    border-radius:var(--radius-lg);
    padding:38px 36px;
    box-shadow:0 40px 80px -30px rgba(10,10,12,0.55);
  }
  .form-heading{font-size:22px;margin-bottom:22px;}
  .form-row{margin-bottom:18px;display:flex;flex-direction:column;gap:7px;}
  .form-row.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:18px;}
  .form-row.two-col > div{display:flex;flex-direction:column;gap:7px;}
  .form-row label{font-size:13.5px;font-weight:700;color:var(--grey-900);}
  .form-row input, .form-row select, .form-row textarea{
    font-family:'Plus Jakarta Sans', sans-serif;
    padding:13px 16px;border-radius:12px;border:1.5px solid rgba(15,92,78,0.15);
    background:#fff;font-size:14.5px;color:var(--ink);
    transition:border-color .2s ease, box-shadow .2s ease;
  }
  .form-row input:focus, .form-row select:focus, .form-row textarea:focus{
    outline:none;border-color:var(--teal-700);box-shadow:0 0 0 3px rgba(18,197,12,0.15);
  }
  .form-row textarea{resize:vertical;font-family:inherit;}
  .form-submit{width:100%;justify-content:center;margin-top:6px;font-size:16px;padding:16px 30px;}
  .form-fineprint{font-size:12px;color:var(--ink-soft);text-align:center;margin-top:14px;}

  .form-success{text-align:center;padding:20px 0;}
  .success-check{
    width:64px;height:64px;border-radius:50%;background:var(--teal-100);color:var(--teal-700);
    display:flex;align-items:center;justify-content:center;font-size:30px;font-weight:800;
    margin:0 auto 18px;
  }
  .form-success h3{font-size:22px;margin-bottom:10px;}
  .form-success p{font-size:14.5px;max-width:360px;margin:0 auto;}
  .success-actions{display:flex;gap:12px;justify-content:center;margin-top:24px;flex-wrap:wrap;}

  @media (max-width:900px){
    .contact-hero-wrap{grid-template-columns:1fr;}
    .contact-hero{padding:50px 0 70px;min-height:auto;}
    .contact-quicklinks{flex-direction:row;flex-wrap:wrap;}
    .quicklink{flex:1 1 220px;}
  }
  @media (max-width:600px){
    .contact-form-card{padding:28px 22px;}
    .form-row.two-col{grid-template-columns:1fr;gap:18px;}
    .contact-quicklinks{flex-direction:column;}
    .success-actions{flex-direction:column;}
    .success-actions .btn{width:100%;justify-content:center;}
  }

  /* ======================================================
     Responsive — 1024 / 768 / 600 / 430 / 360
     ====================================================== */
  @media (max-width:1024px){
    .hero-grid{grid-template-columns:1fr;}
    .hero-art{order:-1;margin-bottom:30px;}
    .hero p.lede{max-width:100%;}
    .feat-grid, .plans-grid, .test-grid, .branch-grid{grid-template-columns:repeat(2,1fr);}
    .steps{grid-template-columns:repeat(2,1fr);}
    .foot-grid{grid-template-columns:1fr 1fr;}
    .plan-card.featured{transform:none;}
    .section-pad{padding:80px 0;}
    .split-feature, .split-feature.reverse{grid-template-columns:1fr;gap:32px;}
    .split-feature.reverse .split-img, .split-feature.reverse .split-copy{order:0;}
    .split-img img{max-height:340px;}
    .image-banner img{height:300px;}
  }

  /* Small tablet / large phone — nav collapses here */
  @media (max-width:768px){
    .nav-links, .nav-cta .btn-outline{display:none;}
    .burger{display:block;}
    .feat-grid, .plans-grid, .test-grid, .steps, .branch-grid{grid-template-columns:1fr;}
    .plans-section{margin:0 12px;border-radius:32px;}
    .branches-section{border-radius:32px;padding:60px 24px;}
    .cta-banner{padding:40px 26px;flex-direction:column;text-align:center;}
    .cta-banner .btn{width:100%;justify-content:center;}
    .foot-grid{grid-template-columns:1fr;}
    .hero{padding:60px 0 90px;}
    .image-banner{border-radius:24px;}
    .image-banner img{height:260px;}
    .image-banner-caption{padding:26px 24px;}
  }

  /* Phones — 600px and down */
  @media (max-width:600px){
    .wrap{padding:0 20px;}
    .nav{padding:12px 20px;}
    .logo{font-size:19px;gap:9px;}
    .logo-img{height:46px;}
    .hero{padding:44px 0 70px;}
    .hero .eyebrow{font-size:12px;padding:7px 14px;}
    .hero h1{font-size:clamp(30px,8.5vw,38px);letter-spacing:-.5px;}
    .hero p.lede{font-size:16px;}
    .hero-actions{flex-direction:column;align-items:stretch;gap:12px;margin-top:26px;}
    .hero-actions .btn{width:100%;justify-content:center;text-align:center;}
    .trust-row{gap:14px;margin-top:28px;}
    .trust-item{font-size:12.5px;}
    .trust-item .ico{width:28px;height:28px;}
    .hero-card{max-width:100%;transform:none;padding:18px;}
    .hero-card-img{height:150px;}
    .hero-card .amount{font-size:32px;}
    .floating-tag{position:static;display:inline-flex;margin-top:16px;}
    .blob{width:260px;height:260px;top:-40px;right:-60px;}
    .section-pad{padding:56px 0;}
    .section-head{margin-bottom:34px;}
    .section-head h2{font-size:26px;}
    .section-head p{font-size:15px;}
    .feat-card{padding:26px 22px;}
    .plans-section{padding:52px 20px !important;margin:0 10px;border-radius:24px;}
    .branches-section{padding:44px 18px;border-radius:24px;}
    .plan-card{padding:24px 20px;}
    .plan-price{font-size:30px;}
    .step{padding:22px 18px;}
    .test-card{padding:22px;}
    .faq-q{padding:16px 18px;font-size:14.5px;}
    .faq-a p{padding:0 18px 16px;font-size:14px;}
    .cta-banner{padding:34px 22px;border-radius:22px;}
    .cta-banner h2{font-size:24px;}
    footer{padding:50px 0 24px;margin-top:60px;}
    .foot-logo-img{height:46px;}
    .bottom-bar{flex-direction:column;text-align:center;}
    .contact-fab{width:52px;height:52px;}
    .contact-dock{bottom:18px;right:18px;}
    .contact-option{padding:8px 8px;}
    .contact-option svg{width:32px;height:32px;padding:7px;}
    .contact-label{font-size:12.5px;}
    .reveal, .reveal-scale{transform:translateY(20px);}
    .image-banner{border-radius:20px;}
    .image-banner img{height:220px;}
    .image-banner-caption{padding:20px 18px;}
    .image-banner-caption h3{font-size:20px;}
    .image-banner-caption p{font-size:13.5px;}
    .split-feature{gap:22px;}
    .split-img img{max-height:220px;}
    .split-copy h2{font-size:22px;}
    .split-copy p{font-size:14.5px;}
  }

  /* Small phones — iPhone SE / Mini / most Androids around 375–430 */
  @media (max-width:430px){
    .wrap{padding:0 16px;}
    .nav{padding:10px 16px;}
    .logo{font-size:17px;gap:8px;}
    .logo-img{height:40px;}
    .hero{padding:36px 0 56px;}
    .hero h1{font-size:clamp(27px,8vw,34px);}
    .hero p.lede{font-size:15px;}
    .btn{padding:14px 22px;font-size:14.5px;}
    .btn-sm{padding:10px 16px;font-size:13px;}
    .trust-row{flex-direction:column;gap:10px;align-items:flex-start;}
    .section-head h2{font-size:23px;}
    .section-pad{padding:46px 0;}
    .steps{gap:16px;}
    .feat-grid{gap:16px;}
    .plans-section{padding:40px 16px !important;border-radius:20px;}
    .branches-section{padding:36px 14px;border-radius:20px;}
    .plan-card{padding:20px 18px;}
    .cta-banner h2{font-size:21px;}
    .foot-grid{gap:30px;}
    .contact-fab{width:48px;height:48px;}
    .contact-dock{bottom:16px;right:16px;}
    .image-banner img{height:190px;}
  }

  /* Very small / older phones — 360px and down */
  @media (max-width:360px){
    .wrap{padding:0 14px;}
    .logo{font-size:15px;}
    .logo-img{height:36px;}
    .hero h1{font-size:7.2vw;letter-spacing:-.2px;}
    .hero p.lede{font-size:14px;}
    .eyebrow{font-size:11px;padding:6px 12px;}
    .hero-card-img{height:120px;}
    .hero-card .amount{font-size:27px;}
    .section-head h2{font-size:21px;}
    .section-head p{font-size:14px;}
    .feat-card, .step, .test-card{padding:18px 16px;}
    .plan-price{font-size:26px;}
    .faq-q{font-size:13.5px;padding:14px 16px;}
  }