:root {
  --navy: #07162f;
  --navy-2: #0c2348;
  --navy-3: #12305e;
  --gold: #c9a227;
  --gold-2: #e4c15a;
  --gold-deep: #9a7914;
  --cream: #f6f1e4;
  --cream-2: #efe6d0;
  --ink: #142033;
  --muted: #5b6678;
  --white: #ffffff;
  --line: rgba(201, 162, 39, 0.28);
  --shadow: 0 22px 50px rgba(7, 22, 47, 0.16);
  --radius: 1.25rem;
  --header-h: 92px;
  --font: "Plus Jakarta Sans", system-ui, sans-serif;
  --display: "Playfair Display", Georgia, serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--cream);
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
}

a {
  color: var(--gold);
  text-decoration: none;
  transition: color 0.25s ease, transform 0.25s ease;
}

a:hover {
  color: var(--gold-deep);
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--gold);
  color: var(--navy);
  padding: 0.75rem 1rem;
  z-index: 10000;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
}

/* ---------- Preloader ---------- */
.preloader {
  position: fixed;
  inset: 0;
  z-index: 9999;
  background: radial-gradient(circle at 30% 20%, #12305e, var(--navy));
  display: grid;
  place-items: center;
  transition: opacity 0.6s ease, visibility 0.6s ease;
}

.preloader.is-done {
  opacity: 0;
  visibility: hidden;
}

.preloader-mark {
  width: 92px;
  height: 92px;
  border-radius: 28px;
  object-fit: cover;
  animation: pulse-glow 1.6s ease-in-out infinite;
  box-shadow: 0 0 0 0 rgba(201, 162, 39, 0.45);
}

.preloader-ring {
  position: absolute;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  border: 2px solid transparent;
  border-top-color: var(--gold);
  border-right-color: var(--gold-2);
  animation: spin 1.1s linear infinite;
}

@keyframes pulse-glow {
  0%,
  100% {
    transform: scale(1);
    box-shadow: 0 0 0 0 rgba(201, 162, 39, 0.45);
  }
  50% {
    transform: scale(1.05);
    box-shadow: 0 0 0 18px rgba(201, 162, 39, 0);
  }
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

/* ---------- Scroll progress ---------- */
.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0;
  z-index: 1080;
  background: linear-gradient(90deg, var(--gold), var(--gold-2), var(--gold));
  box-shadow: 0 0 12px var(--gold);
}

/* ---------- Topbar + Nav ---------- */
.kz-topbar {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.82rem;
  letter-spacing: 0.02em;
  padding: 0.45rem 0;
}

.kz-topbar a {
  color: var(--gold-2);
}

.kz-topbar i {
  color: var(--gold);
  margin-right: 0.35rem;
}

.kz-navbar {
  background: rgba(7, 22, 47, 0.92);
  backdrop-filter: blur(16px);
  padding: 0.7rem 0;
  transition: background 0.35s ease, box-shadow 0.35s ease, padding 0.35s ease;
}

.kz-navbar.is-stuck {
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.25);
  padding: 0.4rem 0;
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: 0.7rem;
}

.navbar-brand img {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  object-fit: cover;
  border: 1px solid var(--line);
}

.brand-copy {
  display: flex;
  flex-direction: column;
  line-height: 1.05;
}

.brand-copy strong {
  color: #fff;
  font-weight: 800;
  letter-spacing: 0.12em;
  font-size: 0.95rem;
}

.brand-copy small {
  color: var(--gold-2);
  letter-spacing: 0.22em;
  font-size: 0.62rem;
  font-weight: 600;
}

.kz-navbar .nav-link {
  color: rgba(255, 255, 255, 0.86) !important;
  font-weight: 600;
  padding: 0.55rem 0.95rem !important;
  position: relative;
}

.kz-navbar .nav-link::after {
  content: "";
  position: absolute;
  left: 0.95rem;
  right: 0.95rem;
  bottom: 0.2rem;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}

.kz-navbar .nav-link:hover::after,
.kz-navbar .nav-link.active::after {
  transform: scaleX(1);
}

.kz-navbar .nav-link.active {
  color: var(--gold-2) !important;
}

.btn-gold {
  --bs-btn-color: var(--navy);
  --bs-btn-bg: var(--gold);
  --bs-btn-border-color: var(--gold);
  --bs-btn-hover-color: var(--navy);
  --bs-btn-hover-bg: var(--gold-2);
  --bs-btn-hover-border-color: var(--gold-2);
  --bs-btn-active-color: var(--navy);
  --bs-btn-active-bg: var(--gold-2);
  font-weight: 700;
  border-radius: 999px;
  padding: 0.75rem 1.4rem;
  position: relative;
  overflow: hidden;
}

.btn-gold::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent 0%, rgba(255, 255, 255, 0.45) 45%, transparent 70%);
  transform: translateX(-120%);
  animation: shimmer 2.8s ease-in-out infinite;
}

.btn-outline-gold {
  --bs-btn-color: var(--gold-2);
  --bs-btn-border-color: var(--gold);
  --bs-btn-hover-bg: var(--gold);
  --bs-btn-hover-color: var(--navy);
  --bs-btn-hover-border-color: var(--gold);
  font-weight: 700;
  border-radius: 999px;
  padding: 0.75rem 1.4rem;
  border-width: 1.5px;
}

@keyframes shimmer {
  0%,
  30% {
    transform: translateX(-120%);
  }
  70%,
  100% {
    transform: translateX(120%);
  }
}

.navbar-toggler {
  border-color: var(--gold);
}

.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%23c9a227' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  color: #fff;
  overflow: hidden;
  background: var(--navy);
}

.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transform: scale(1.08);
  animation: kenburns 18s ease-in-out infinite;
  transition: opacity 1.15s ease;
}

.hero-slide.is-active {
  opacity: 1;
}

.hero-slide:nth-child(1) {
  animation-delay: 0s;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(100deg, rgba(7, 22, 47, 0.88) 0%, rgba(7, 22, 47, 0.62) 48%, rgba(12, 35, 72, 0.45) 100%),
    radial-gradient(circle at 80% 20%, rgba(201, 162, 39, 0.18), transparent 42%);
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 4.5rem 0 6rem;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  color: var(--gold-2);
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 0.78rem;
}

.eyebrow::before {
  content: "";
  width: 34px;
  height: 2px;
  background: var(--gold);
}

.hero h1 {
  font-family: var(--display);
  font-size: clamp(2.4rem, 5vw, 4.4rem);
  line-height: 1.12;
  margin: 1rem 0 1.1rem;
  max-width: 16ch;
}

.hero h1 span {
  color: var(--gold-2);
  font-style: italic;
}

.hero p.lead {
  max-width: 38rem;
  color: rgba(255, 255, 255, 0.84);
  font-size: 1.08rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  margin-top: 1.8rem;
}

.hero-meta {
  margin-top: 2.4rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1.4rem;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.92rem;
}

.hero-meta strong {
  color: #fff;
  display: block;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-2);
}

@keyframes kenburns {
  0% {
    transform: scale(1.08) translate3d(0, 0, 0);
  }
  50% {
    transform: scale(1.16) translate3d(-1.5%, -1%, 0);
  }
  100% {
    transform: scale(1.08) translate3d(0, 0, 0);
  }
}

.hero-dots {
  position: absolute;
  right: 2rem;
  top: 50%;
  transform: translateY(-50%);
  z-index: 3;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.hero-dots button {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: 0;
  background: rgba(255, 255, 255, 0.35);
}

.hero-dots button.is-active {
  background: var(--gold);
  transform: scale(1.25);
}

/* ---------- Wave divider ---------- */
.wave {
  display: block;
  width: 100%;
  height: 84px;
  margin-top: -1px;
}

.wave path {
  fill: var(--cream);
}

.wave-navy path {
  fill: var(--navy);
}

.wave-cream-to-white path {
  fill: #fff;
}

/* ---------- Sections ---------- */
.section {
  padding: 5.2rem 0;
  position: relative;
}

.section-kicker {
  color: var(--gold-deep);
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 0.76rem;
}

.section h2 {
  font-family: var(--display);
  color: var(--navy);
  font-size: clamp(1.9rem, 3.4vw, 3rem);
  margin: 0.4rem 0 1rem;
}

.page-hero h1 {
  font-family: var(--display);
  color: #fff;
  font-size: clamp(2rem, 4vw, 3.2rem);
}

.muted {
  color: var(--muted);
}

.gold-rule {
  width: 72px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), transparent);
  border: 0;
  opacity: 1;
  margin: 0 0 1.2rem;
}

/* ---------- Cards ---------- */
.service-card,
.value-card,
.info-card,
.stat-card {
  background: #fff;
  border: 1px solid rgba(12, 35, 72, 0.06);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  height: 100%;
  transition: transform 0.45s cubic-bezier(0.22, 1, 0.36, 1), box-shadow 0.45s ease;
}

.service-card:hover,
.value-card:hover,
.info-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 28px 60px rgba(7, 22, 47, 0.2);
}

.service-card {
  overflow: hidden;
  padding: 0;
}

.service-card img {
  width: 100%;
  height: 210px;
  object-fit: cover;
  display: block;
}

.service-card .body {
  padding: 1.5rem 1.5rem 1.7rem;
}

.icon-orb {
  width: 58px;
  height: 58px;
  border-radius: 18px;
  display: grid;
  place-items: center;
  background: linear-gradient(160deg, var(--navy-2), var(--navy));
  color: var(--gold-2);
  font-size: 1.4rem;
  margin-bottom: 1rem;
  box-shadow: inset 0 0 0 1px rgba(201, 162, 39, 0.35);
}

.value-card,
.info-card {
  padding: 1.7rem;
}

.stat-card {
  padding: 1.4rem 1.2rem;
  text-align: center;
  background: linear-gradient(180deg, #fff, var(--cream));
}

.stat-card .num {
  font-family: var(--display);
  font-size: 2rem;
  color: var(--navy);
}

/* ---------- Marquee ---------- */
.marquee-wrap {
  background: var(--navy);
  color: var(--gold-2);
  overflow: hidden;
  border-block: 1px solid rgba(201, 162, 39, 0.25);
}

.marquee {
  display: flex;
  gap: 2.5rem;
  width: max-content;
  animation: marquee 28s linear infinite;
  padding: 0.85rem 0;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: 0.78rem;
  white-space: nowrap;
}

@keyframes marquee {
  to {
    transform: translateX(-50%);
  }
}

/* ---------- Why / about bands ---------- */
.band-navy {
  background:
    radial-gradient(circle at 10% 20%, rgba(201, 162, 39, 0.16), transparent 28%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff;
}

.band-navy h2,
.band-navy .section-kicker {
  color: #fff;
}

.band-navy .section-kicker {
  color: var(--gold-2);
}

.band-navy .muted {
  color: rgba(255, 255, 255, 0.78);
}

.cta-panel {
  background: linear-gradient(120deg, var(--navy) 0%, #163568 55%, #3c2e0d 100%);
  color: #fff;
  border-radius: 1.6rem;
  padding: 2.4rem;
  position: relative;
  overflow: hidden;
}

.cta-panel::after {
  content: "";
  position: absolute;
  width: 280px;
  height: 280px;
  right: -80px;
  bottom: -90px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201, 162, 39, 0.35), transparent 65%);
}

/* ---------- Page hero ---------- */
.page-hero {
  position: relative;
  min-height: 38vh;
  display: flex;
  align-items: flex-end;
  color: #fff;
  background: var(--navy) center/cover no-repeat;
  padding: 3.4rem 0 3.2rem;
}

.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(7, 22, 47, 0.55) 0%, rgba(7, 22, 47, 0.82) 100%);
}

.page-hero .container {
  position: relative;
  z-index: 1;
}

.breadcrumb {
  background: transparent;
  padding: 0;
  margin: 0 0 0.6rem;
}

.breadcrumb-item,
.breadcrumb-item a,
.breadcrumb-item.active,
.breadcrumb-item + .breadcrumb-item::before {
  color: var(--gold-2);
}

/* ---------- Contact ---------- */
.form-control,
.form-select {
  border-radius: 0.85rem;
  padding: 0.85rem 1rem;
  border-color: rgba(12, 35, 72, 0.12);
}

.form-control:focus,
.form-select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 0.2rem rgba(201, 162, 39, 0.18);
}

.map-frame {
  border: 0;
  width: 100%;
  min-height: 380px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  filter: grayscale(0.15) contrast(1.05);
}

/* ---------- Footer ---------- */
.site-footer {
  background: #050e1d;
  color: rgba(255, 255, 255, 0.78);
  padding: 4rem 0 1.4rem;
}

.site-footer h3,
.site-footer h4 {
  color: #fff;
  font-size: 1.05rem;
  margin-bottom: 1rem;
}

.site-footer a {
  color: rgba(255, 255, 255, 0.78);
}

.site-footer a:hover {
  color: var(--gold-2);
}

.footer-logo {
  width: 72px;
  height: 72px;
  border-radius: 20px;
  object-fit: cover;
  border: 1px solid var(--line);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  margin-top: 2.2rem;
  padding-top: 1.1rem;
  font-size: 0.88rem;
}

.float-actions {
  position: fixed;
  right: 1.1rem;
  bottom: 1.1rem;
  z-index: 1040;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.float-actions a {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--navy);
  background: var(--gold);
  box-shadow: 0 12px 24px rgba(7, 22, 47, 0.28);
  font-size: 1.35rem;
}

.float-actions a.wa {
  background: #25d366;
  color: #fff;
}

.float-actions a:hover {
  transform: translateY(-3px) scale(1.05);
  color: var(--navy);
}

#insurance,
#renewal,
#ebanking {
  scroll-margin-top: 108px;
}

.disclaimer {
  font-size: 0.9rem;
  background: var(--cream-2);
  border-left: 4px solid var(--gold);
  padding: 1rem 1.2rem;
  border-radius: 0.8rem;
}

.brand-sheet {
  border-radius: 1.4rem;
  box-shadow: var(--shadow);
  background: #fff;
  padding: 1rem;
}

/* ---------- Motion helpers ---------- */
.reveal-up {
  animation: reveal-up 0.9s cubic-bezier(0.22, 1, 0.36, 1) both;
}

@keyframes reveal-up {
  from {
    opacity: 0;
    transform: translateY(28px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}

.flow-line {
  height: 2px;
  width: 100%;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  background-size: 200% 100%;
  animation: flow 3.2s linear infinite;
}

@keyframes flow {
  to {
    background-position: 200% 0;
  }
}

@media (max-width: 991.98px) {
  .hero-dots {
    display: none;
  }

  .hero-content {
    padding: 3.2rem 0 4.2rem;
  }

  .brand-copy small {
    display: none;
  }

  .kz-navbar .nav-link::after {
    display: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
  }

  html {
    scroll-behavior: auto;
  }
}