:root {
  --black: #0a0a09;
  --black2: #111110;
  --panel: rgba(255,255,255,.035);
  --panel-line: rgba(255,255,255,.09);
  --white: #f7f6f2;
  --dim: #a3a89e;
  --faint: #6b7168;
  --gold: #ffb612;
  --gold-soft: #ffd97a;
  --sage: #8fa88f;
  --font-d: "Sora", sans-serif;
  --font-b: "Instrument Sans", -apple-system, sans-serif;
  --maxw: 1160px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-b); background: var(--black); color: var(--dim); font-size: 16.5px; line-height: 1.65; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
h1,h2,h3 { font-family: var(--font-d); color: var(--white); font-weight: 700; letter-spacing: -0.03em; line-height: 1.06; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font-family: var(--font-b); font-weight: 700; font-size: 16px; padding: 16px 28px; border-radius: 12px; background: var(--gold); color: var(--black); border: none; cursor: pointer; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .2s; }
.btn:hover { background: var(--gold-soft); transform: translateY(-2px); box-shadow: 0 18px 44px -12px rgba(255,182,18,.45); }
.stars { color: var(--gold); letter-spacing: 2px; font-size: 14px; }

/* aurora + grain */
.aurora { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.aurora i { position: absolute; border-radius: 50%; filter: blur(90px); opacity: .5; }
.aurora .a1 { width: 640px; height: 640px; background: radial-gradient(circle, rgba(255,182,18,.32), transparent 65%); top: -12%; right: -6%; animation: drift1 16s ease-in-out infinite alternate; }
.aurora .a2 { width: 520px; height: 520px; background: radial-gradient(circle, rgba(143,168,143,.2), transparent 65%); bottom: -20%; left: -10%; animation: drift2 20s ease-in-out infinite alternate; }
.aurora .a3 { width: 380px; height: 380px; background: radial-gradient(circle, rgba(255,182,18,.14), transparent 60%); top: 34%; left: 32%; animation: drift1 24s ease-in-out infinite alternate-reverse; }
@keyframes drift1 { to { transform: translate(-70px, 50px) scale(1.12); } }
@keyframes drift2 { to { transform: translate(60px, -40px) scale(1.08); } }

/* compliance microbar */
.cbar { position: relative; z-index: 30; background: rgba(255,255,255,.03); border-bottom: 1px solid rgba(255,255,255,.06); color: var(--faint); font-size: 12px; text-align: center; padding: 7px 14px; }
.cbar b { color: var(--dim); font-weight: 600; }

nav.top { position: absolute; top: 40px; left: 0; right: 0; z-index: 30; }
nav.top .wrap { display: flex; align-items: center; justify-content: space-between; }
.brand { display: flex; align-items: center; gap: 11px; font-family: var(--font-d); font-weight: 700; font-size: 17px; color: var(--white); }
.brand-mark { width: 36px; height: 36px; border-radius: 10px; background: var(--gold); display: grid; place-items: center; color: var(--black); box-shadow: 0 0 24px rgba(255,182,18,.35); }
.brand-mark svg { width: 19px; height: 19px; }
.nav-right { display: flex; align-items: center; gap: 22px; }
.nav-right .phone { color: var(--dim); font-weight: 600; font-size: 15px; }
.nav-right .phone:hover { color: var(--white); }
.nav-right .btn { padding: 12px 22px; font-size: 15px; }

/* ============ HERO ============ */
.hero { position: relative; min-height: 96vh; display: flex; align-items: center; padding: 150px 0 110px; overflow: hidden; }
#dust { position: absolute; inset: 0; z-index: 1; pointer-events: none; }
.hero .wrap { position: relative; z-index: 10; width: 100%; }
.hero-kicker { display: inline-flex; align-items: center; gap: 10px; color: var(--gold); font-weight: 700; font-size: 12.5px; letter-spacing: .22em; text-transform: uppercase; margin-bottom: 30px; }
.hero-kicker .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 0 rgba(255,182,18,.6); animation: pulse 2.2s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 10px rgba(255,182,18,0); } }
.hero h1 { font-size: clamp(3rem, 6.4vw, 5.2rem); font-weight: 800; max-width: 900px; }
.hero h1 .w { display: inline-block; overflow: hidden; vertical-align: bottom; }
.hero h1 .w b { display: inline-block; font-weight: inherit; transform: translateY(110%); animation: riseWord .8s var(--ease) forwards; }
.hero h1 .g b { background: linear-gradient(92deg, var(--gold), var(--gold-soft)); -webkit-background-clip: text; background-clip: text; color: transparent; }
@keyframes riseWord { to { transform: none; } }
.hero-sub { color: var(--dim); font-size: 1.18rem; margin-top: 30px; max-width: 480px; opacity: 0; animation: fadeUp .8s var(--ease) .55s forwards; }
.addr { margin-top: 40px; display: flex; gap: 8px; background: rgba(255,255,255,.05); border: 1px solid var(--panel-line); border-radius: 16px; padding: 8px; max-width: 540px; backdrop-filter: blur(10px); transition: border-color .3s, box-shadow .3s; opacity: 0; animation: fadeUp .8s var(--ease) .7s forwards; }
.addr:focus-within { border-color: rgba(255,182,18,.65); box-shadow: 0 0 0 4px rgba(255,182,18,.12), 0 0 44px rgba(255,182,18,.1); }
.addr input { flex: 1; background: transparent; border: none; outline: none; font-family: var(--font-b); font-size: 16px; color: var(--white); padding: 10px 16px; min-width: 0; }
.addr input::placeholder { color: var(--faint); }
.hero-proof { display: flex; align-items: center; gap: 14px; margin-top: 26px; color: var(--dim); font-size: 14.5px; font-weight: 500; flex-wrap: wrap; opacity: 0; animation: fadeUp .8s var(--ease) .85s forwards; }
.hero-proof .sep { opacity: .25; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }
.scroll-cue { position: absolute; bottom: 30px; left: 50%; transform: translateX(-50%); z-index: 10; color: var(--faint); font-size: 11px; letter-spacing: .26em; text-transform: uppercase; display: flex; flex-direction: column; align-items: center; gap: 8px; }
.scroll-cue i { display: block; width: 1px; height: 36px; background: linear-gradient(180deg, var(--gold), transparent); animation: drip 2s var(--ease) infinite; }
@keyframes drip { 0% { transform: scaleY(0); transform-origin: top; } 55% { transform: scaleY(1); transform-origin: top; } 56% { transform-origin: bottom; } 100% { transform: scaleY(0); transform-origin: bottom; } }

/* gold ribbon */
.marquee { background: var(--gold); color: var(--black); overflow: hidden; padding: 15px 0; position: relative; z-index: 5; }
.marquee-track { display: flex; gap: 48px; white-space: nowrap; font-family: var(--font-d); font-weight: 700; font-size: 15px; letter-spacing: .07em; text-transform: uppercase; animation: slide 26s linear infinite; width: max-content; }
.marquee-track span { display: flex; align-items: center; gap: 48px; }
.marquee-track b::before { content: "✦"; margin-right: 48px; font-weight: 400; }
@keyframes slide { to { transform: translateX(-50%); } }

/* ============ SECTIONS (all dark) ============ */
section { padding: 120px 0; position: relative; }
.ghost { position: absolute; top: 44px; left: 50%; transform: translateX(-50%); font-family: var(--font-d); font-weight: 800; font-size: clamp(4rem, 12vw, 9rem); letter-spacing: .02em; color: transparent; -webkit-text-stroke: 1px rgba(255,255,255,.055); white-space: nowrap; pointer-events: none; user-select: none; }
.sec-head { max-width: 640px; margin: 0 auto 64px; text-align: center; position: relative; }
.sec-head h2 { font-size: clamp(2.1rem, 3.8vw, 3rem); }
.sec-head p { margin-top: 16px; font-size: 1.1rem; color: var(--dim); }
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: .1s; } .reveal.d2 { transition-delay: .2s; } .reveal.d3 { transition-delay: .3s; }

/* stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.stat { text-align: center; padding: 40px 20px 34px; border-radius: 20px; background: var(--panel); border: 1px solid var(--panel-line); backdrop-filter: blur(8px); }
.stat b { display: block; font-family: var(--font-d); font-weight: 800; font-size: clamp(2.1rem, 3.8vw, 3rem); color: var(--white); letter-spacing: -0.03em; }
.stat b em { font-style: normal; color: var(--gold); }
.stat span { font-size: 12.5px; font-weight: 600; color: var(--faint); text-transform: uppercase; letter-spacing: .09em; }

/* steps — glass cards with ghost numbers */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.step { position: relative; background: var(--panel); border: 1px solid var(--panel-line); border-radius: 22px; padding: 90px 30px 34px; overflow: hidden; backdrop-filter: blur(8px); transition: transform .35s var(--ease), border-color .35s, box-shadow .35s; }
.step:hover { transform: translateY(-8px); border-color: rgba(255,182,18,.4); box-shadow: 0 30px 70px -30px rgba(255,182,18,.25); }
.step .big { position: absolute; top: -26px; right: 6px; font-family: var(--font-d); font-weight: 800; font-size: 8rem; line-height: 1; color: transparent; -webkit-text-stroke: 1.5px rgba(255,182,18,.28); pointer-events: none; }
.step h3 { font-size: 1.3rem; }
.step p { margin-top: 10px; font-size: 15px; color: var(--dim); }

/* compare — glass */
.compare { background: var(--panel); border-radius: 22px; border: 1px solid var(--panel-line); overflow: hidden; backdrop-filter: blur(8px); overflow-x: auto; }
.compare table { width: 100%; border-collapse: collapse; min-width: 640px; }
.compare th, .compare td { padding: 17px 22px; text-align: left; font-size: 15px; border-bottom: 1px solid rgba(255,255,255,.06); }
.compare tr:last-child td { border-bottom: none; }
.compare thead th { font-weight: 600; color: var(--faint); font-size: 13.5px; }
.compare thead th.feat { background: var(--gold); color: var(--black); font-family: var(--font-d); font-size: 15px; }
.compare td.feat { background: rgba(255,182,18,.09); color: var(--gold-soft); font-weight: 600; }
.compare td:first-child { font-weight: 600; color: var(--white); }
.compare .no { color: #e07a63; }

/* quotes */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.quote { background: var(--panel); border: 1px solid var(--panel-line); border-radius: 22px; padding: 30px; display: flex; flex-direction: column; gap: 14px; backdrop-filter: blur(8px); }
.quote p { color: var(--white); font-size: 15.5px; font-weight: 500; flex: 1; }
.quote .who b { font-size: 14.5px; color: var(--white); font-weight: 700; display: block; }
.quote .who span { font-size: 13px; color: var(--faint); }

/* agent */
.agent-grid { display: grid; grid-template-columns: .72fr 1.28fr; gap: 64px; align-items: center; max-width: 1000px; margin: 0 auto; }
.agent-photo { position: relative; }
.agent-photo::before { content: ""; position: absolute; inset: -22px; background: radial-gradient(circle, rgba(255,182,18,.22), transparent 70%); filter: blur(30px); z-index: 0; }
.agent-photo img { position: relative; z-index: 1; aspect-ratio: 4/5; object-fit: cover; object-position: 50% 20%; border-radius: 22px; border: 1px solid var(--panel-line); }
.agent-photo .tag { position: absolute; z-index: 2; bottom: 18px; left: 18px; right: 18px; background: rgba(10,10,9,.78); backdrop-filter: blur(10px); border: 1px solid var(--panel-line); border-radius: 14px; padding: 13px 16px; font-size: 13px; font-weight: 600; color: var(--white); }
.agent-photo .tag span { display: block; font-weight: 500; color: var(--faint); font-size: 12px; }
.agent h2 { font-size: clamp(1.9rem, 3.4vw, 2.7rem); }
.agent p { margin-top: 16px; font-size: 1.06rem; }
.license { margin-top: 26px; background: var(--panel); border: 1px solid var(--panel-line); border-left: 3px solid var(--gold); border-radius: 12px; padding: 16px 20px; font-size: 13.5px; line-height: 1.65; color: var(--dim); }
.license b { color: var(--white); }

/* final */
.final { text-align: center; padding: 150px 0; overflow: hidden; }
.final h2 { font-size: clamp(2.4rem, 5vw, 4rem); font-weight: 800; }
.final h2 .g { background: linear-gradient(92deg, var(--gold), var(--gold-soft)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.final p { color: var(--dim); margin: 18px auto 36px; max-width: 460px; font-size: 1.12rem; }
.final .addr { margin: 0 auto; opacity: 1; animation: none; }

/* faq */
.faq-list { max-width: 720px; margin: 0 auto; display: grid; gap: 10px; }
.faq-item { background: var(--panel); border: 1px solid var(--panel-line); border-radius: 14px; }
.faq-item summary { cursor: pointer; list-style: none; font-weight: 600; font-size: 16.5px; color: var(--white); padding: 21px 24px; display: flex; justify-content: space-between; gap: 16px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; color: var(--gold); font-size: 1.35rem; font-weight: 400; }
.faq-item[open] summary::after { content: "–"; }
.faq-item div { padding: 0 24px 21px; font-size: 15px; max-width: 620px; color: var(--dim); }

footer { border-top: 1px solid rgba(255,255,255,.07); color: var(--faint); padding: 60px 0 34px; font-size: 14px; }
.foot-top { display: flex; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.foot-links { display: flex; gap: 26px; flex-wrap: wrap; }
.foot-links a:hover { color: var(--white); }
.compliance { margin-top: 36px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.07); font-size: 12.5px; line-height: 1.7; max-width: 880px; }
.compliance b { color: var(--dim); }
.foot-bottom { margin-top: 24px; font-size: 12.5px; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.eho { display: inline-flex; align-items: center; gap: 8px; margin-top: 12px; }
.eho svg { width: 17px; height: 17px; fill: var(--faint); }

@media (max-width: 920px) {
  .stats { grid-template-columns: repeat(2, 1fr); }
  .steps, .quotes { grid-template-columns: 1fr; }
  .agent-grid { grid-template-columns: 1fr; gap: 44px; }
  .addr { flex-direction: column; }
  .nav-right .phone { display: none; }
  section { padding: 76px 0; }
  .ghost { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  .reveal, .hero-sub, .addr, .hero-proof { opacity: 1 !important; transform: none !important; animation: none !important; }
  .hero h1 .w b { transform: none; animation: none; }
  .marquee-track, .aurora i { animation: none; }
}

/* footer area links */
.foot-areas { margin-top: 26px; display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: 13.5px; color: var(--faint); }
.foot-areas span { font-weight: 600; }
.foot-areas a:hover { color: var(--white); }