/* ── RESET & BASE ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  background: #0B0B0B;
  color: #F5F5F5;
  font-family: 'Montserrat', sans-serif;
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; }

/* ── TOKENS ── */
:root {
  --gold:       #D4AF37;
  --gold-soft:  #F1D27A;
  --gold-grad:  linear-gradient(135deg, #D4AF37 0%, #F1D27A 100%);
  --black:      #0B0B0B;
  --card:       #161616;
  --card2:      #1E1E1E;
  --white:      #F5F5F5;
  --gray:       #A6A6A6;
  --wa:         #25D366;
  --nav-h:      68px;
}

/* ── SHARED HELPERS ── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 6%; }
.sec-label {
  font-size: 10px; font-weight: 700; letter-spacing: 0.28em;
  color: var(--gold); text-transform: uppercase; margin-bottom: 10px;
  display: block;
}
.sec-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(30px, 4.5vw, 54px); font-weight: 700;
  line-height: 1.0; letter-spacing: 0.05em; text-transform: uppercase;
  color: var(--white);
}
.sec-body {
  font-size: 14px; color: var(--gray); line-height: 1.8;
  max-width: 520px;
}
.gold-rule {
  display: block; width: 48px; height: 1px;
  background: var(--gold); margin: 20px 0;
}
.gold-rule.center { margin: 20px auto; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 13px 28px; border-radius: 3px; cursor: pointer;
  font-family: 'Montserrat', sans-serif; font-size: 11px;
  font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase;
  transition: all 0.2s; border: none; white-space: nowrap;
}
.btn-gold { background: var(--gold); color: var(--black); }
.btn-gold:hover { background: var(--gold-soft); transform: translateY(-1px); }
.btn-gold:active { transform: scale(0.97); }
.btn-outline { background: transparent; border: 1px solid var(--gold); color: var(--gold); }
.btn-outline:hover { background: var(--gold); color: var(--black); transform: translateY(-1px); }
.btn-wa { background: var(--wa); color: #fff; }
.btn-wa:hover { background: #1dba59; transform: translateY(-1px); }
.btn-wa:active { transform: scale(0.97); }

.wa-icon { width: 16px; height: 16px; flex-shrink: 0; }

/* ── NAVBAR ── */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 300;
  height: var(--nav-h);
  background: rgba(11,11,11,0.9); backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(212,175,55,0.12);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 6%;
  transition: background 0.3s;
}
.navbar.scrolled { background: rgba(11,11,11,0.98); }
.nav-brand { display: flex; align-items: center; gap: 10px; }
.nav-brand img { width: 34px; height: 34px; object-fit: contain; }
.nav-brand-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 16px; font-weight: 700; letter-spacing: 0.18em;
  color: var(--white); text-transform: uppercase;
}
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a {
  font-size: 10px; font-weight: 600; letter-spacing: 0.16em;
  color: var(--gray); text-transform: uppercase; transition: color 0.2s;
}
.nav-links a:hover { color: var(--gold); }
.nav-cta {
  padding: 9px 20px; background: var(--gold); color: var(--black);
  font-family: 'Montserrat', sans-serif; font-size: 10px; font-weight: 700;
  letter-spacing: 0.18em; text-transform: uppercase; border-radius: 3px;
  transition: all 0.2s;
}
.nav-cta:hover { background: var(--gold-soft); }
.nav-mobile-toggle {
  display: none; background: none; border: none; cursor: pointer;
  flex-direction: column; gap: 5px; padding: 4px;
}
.nav-mobile-toggle span {
  display: block; width: 22px; height: 2px; background: var(--gold);
  transition: all 0.25s;
}
.nav-mobile-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav-mobile-toggle.open span:nth-child(2) { opacity: 0; }
.nav-mobile-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }
.mobile-menu {
  display: none; position: fixed; top: var(--nav-h); left: 0; right: 0;
  background: rgba(11,11,11,0.98); border-bottom: 1px solid rgba(212,175,55,0.15);
  padding: 24px 6%; z-index: 299; flex-direction: column; gap: 0;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-size: 12px; font-weight: 600; letter-spacing: 0.16em;
  color: var(--gray); text-transform: uppercase;
  padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: color 0.2s;
}
.mobile-menu a:hover { color: var(--gold); }
.mobile-menu .btn-wa { margin-top: 20px; justify-content: center; border-radius: 3px;color: #fff !important; }

/* ── FLOATING WA BUTTON ── */
.wa-float {
  position: fixed; bottom: 28px; right: 28px; z-index: 250;
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--wa); box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  display: flex; align-items: center; justify-content: center;
  transition: all 0.25s; cursor: pointer;
}
.wa-float:hover { transform: scale(1.1); box-shadow: 0 6px 28px rgba(37,211,102,0.55); }
.wa-float svg { width: 28px; height: 28px; }
.wa-float-tooltip {
  position: absolute; right: 66px; background: #1A1A1A;
  border: 1px solid rgba(212,175,55,0.2); border-radius: 4px;
  padding: 8px 14px; white-space: nowrap;
  font-size: 11px; font-weight: 600; color: var(--white);
  letter-spacing: 0.06em; pointer-events: none;
  opacity: 0; transform: translateX(6px); transition: all 0.2s;
}
.wa-float:hover .wa-float-tooltip { opacity: 1; transform: translateX(0); }
.wa-float-tooltip::after {
  content: ''; position: absolute; right: -6px; top: 50%;
  transform: translateY(-50%);
  border: 5px solid transparent; border-right: none;
  border-left-color: rgba(212,175,55,0.2);
}

/* ── SECTION: HERO ── */
.hero {
  min-height: 100vh;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  text-align: center; padding: calc(var(--nav-h) + 60px) 6% 80px;
  position: relative; overflow: hidden;
}
.hero-bg-glow {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 90% 60% at 50% 90%, rgba(212,175,55,0.08) 0%, transparent 65%),
    radial-gradient(ellipse 50% 40% at 20% 15%, rgba(212,175,55,0.04) 0%, transparent 60%);
}
.hero-rings {
  position: absolute; inset: 0; pointer-events: none;
  display: flex; align-items: center; justify-content: center;
}
.hero-ring {
  position: absolute; border-radius: 50%;
  border: 1px solid rgba(212,175,55,0.06);
}
.hero-wm {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 500px; height: 500px; object-fit: contain;
  opacity: 0.03; pointer-events: none;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  border: 1px solid rgba(212,175,55,0.35); border-radius: 999px;
  padding: 7px 20px; margin-bottom: 36px;
  font-size: 10px; font-weight: 600; letter-spacing: 0.22em;
  color: var(--gold); text-transform: uppercase;
}
.hero-badge-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold); animation: pulse 2s ease-in-out infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.5;transform:scale(0.8)} }
.hero-h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(48px, 9vw, 100px); font-weight: 700;
  line-height: 0.9; letter-spacing: 0.04em; text-transform: uppercase;
  color: var(--white); margin-bottom: 16px;
}
.hero-h1 .gold-text {
  background: linear-gradient(135deg, #D4AF37 0%, #F1D27A 50%, #D4AF37 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.hero-sub {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(20px, 3vw, 36px); font-style: italic;
  color: var(--gray); margin-bottom: 20px;
}
.hero-body {
  font-size: 14px; color: rgba(166,166,166,0.75); max-width: 460px;
  margin: 0 auto 40px; line-height: 1.85;
}
.hero-line { width: 64px; height: 1px; background: linear-gradient(90deg, transparent, var(--gold), transparent); margin: 0 auto 40px; }
.hero-btns { display: flex; gap: 50px; justify-content: center; flex-wrap: wrap; width: 450px; max-width: 100%; }
.hero-scroll {
  position: absolute; bottom: 32px; left: 50%; transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  font-size: 9px; letter-spacing: 0.22em; color: rgba(166,166,166,0.4);
  text-transform: uppercase;
}
.hero-scroll-arrow {
  width: 1px; height: 32px; background: linear-gradient(180deg, var(--gold), transparent);
  animation: scrollpulse 1.8s ease-in-out infinite;
}
@keyframes scrollpulse { 0%,100%{opacity:0;transform:scaleY(0.5) translateY(-6px)} 50%{opacity:1;transform:scaleY(1) translateY(0)} }

/* ── SECTION: STATS STRIP ── */
.stats-strip {
  background: linear-gradient(135deg, #141414 0%, #111108 100%);
  border-top: 1px solid rgba(212,175,55,0.1);
  border-bottom: 1px solid rgba(212,175,55,0.1);
  padding: 32px 6%;
}
.stats-inner {
  max-width: 1000px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-around;
  gap: 16px; flex-wrap: wrap;
}
.stat { text-align: center; }
.stat-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(30px, 5vw, 44px); font-weight: 700; line-height: 1;
  background: var(--gold-grad);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.stat-label {
  font-size: 10px; letter-spacing: 0.15em; color: var(--gray);
  text-transform: uppercase; margin-top: 5px;
}
.stat-div { width: 1px; height: 48px; background: rgba(212,175,55,0.18); }

/* ── SECTION: PROBLEM ── */
.problem-sec {
  padding: 104px 6%;
  position: relative; overflow: hidden;
}
.problem-sec::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 60% 50% at 80% 50%, rgba(212,175,55,0.045) 0%, transparent 65%);
}
.problem-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.problem-quote {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(26px, 3.5vw, 42px); font-weight: 600; font-style: italic;
  color: var(--white); line-height: 1.3; margin-bottom: 28px;
}
.problem-quote em {
  background: var(--gold-grad);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  font-style: normal;
}
.problem-items { display: flex; flex-direction: column; gap: 14px; }
.problem-item {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 16px 18px;
  background: #111; border: 1px solid rgba(212,175,55,0.1); border-radius: 6px;
}
.problem-item-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gold); flex-shrink: 0; margin-top: 4px;
}
.problem-item-text { font-size: 13px; color: var(--gray); line-height: 1.65; }
.problem-item-text strong { color: var(--white); }
.problem-item--highlight {
  border-color: rgba(212,175,55,0.3) !important;
  background: rgba(212,175,55,0.04) !important;
}
.problem-item--highlight .problem-item-dot { background: var(--gold-soft); }
.problem-item--highlight .problem-item-text { color: var(--white); }
.problem-item--highlight .problem-item-text strong { color: var(--gold); }

/* ── SECTION: SERVICES ── */
.services-sec {
  padding: 104px 6%;
  background: #0E0E0E;
  border-top: 1px solid rgba(212,175,55,0.07);
  border-bottom: 1px solid rgba(212,175,55,0.07);
  position: relative; overflow: hidden;
}
.services-sec::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 70% 50% at 50% 50%, rgba(212,175,55,0.05) 0%, transparent 70%);
}
.services-header { text-align: center; margin-bottom: 60px; }
.services-header .sec-body { margin: 0 auto; text-align: center; }
.services-grid {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px;
}
.svc-card {
  background: var(--card);
  border: 1px solid rgba(212,175,55,0.13); border-radius: 8px;
  padding: 32px 28px; cursor: pointer; transition: all 0.25s;
  position: relative; overflow: hidden;
  display: flex; flex-direction: column; gap: 16px;
}
.svc-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: var(--gold-grad); transform: scaleX(0); transform-origin: left;
  transition: transform 0.3s;
}
.svc-card:hover { border-color: rgba(212,175,55,0.35); box-shadow: 0 0 32px rgba(212,175,55,0.09); transform: translateY(-3px); }
.svc-card:hover::before { transform: scaleX(1); }
.svc-name {
  font-size: 13px; font-weight: 700; letter-spacing: 0.05em;
  color: var(--white); line-height: 1.35;
}
.svc-pipe { color: var(--gold); font-weight: 400; }
.svc-desc { font-size: 12px; color: var(--gray); line-height: 1.7; }
.svc-cta {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 10px; font-weight: 700; letter-spacing: 0.18em;
  color: var(--gold); text-transform: uppercase; margin-top: auto;
  transition: gap 0.2s;
}
.svc-card:hover .svc-cta { gap: 10px; }

/* ── ICON CIRCLE ── */
.icon-circle {
  width: 60px; height: 60px; border-radius: 50%;
  background: #0D0D0D;
  border: 1.5px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 0 14px rgba(212,175,55,0.15);
}
.icon-circle svg { width: 26px; height: 26px; }
.why-card-icon .icon-circle { width: 44px; height: 44px; }
.why-card-icon .icon-circle svg { width: 20px; height: 20px; }

/* ── SECTION: INSURERS CAROUSEL ── */
.insurers-sec {
  background: var(--black);
  padding: 80px 0 90px;
  overflow: hidden;
  border-top: 1px solid rgba(212,175,55,0.1);
  border-bottom: 1px solid rgba(212,175,55,0.1);
}
.insurers-header {
  text-align: center;
  margin-bottom: 52px;
  padding: 0 6%;
}
.insurers-track-wrap {
  position: relative;
  width: 100%;
  overflow: hidden;
}
.insurers-track-wrap::before,
.insurers-track-wrap::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}
.insurers-track-wrap::before {
  left: 0;
  background: linear-gradient(to right, var(--black), transparent);
}
.insurers-track-wrap::after {
  right: 0;
  background: linear-gradient(to left, var(--black), transparent);
}
.insurers-track {
  display: flex;
  gap: 0;
  animation: insurersScroll 32s linear infinite;
  width: max-content;
}

@keyframes insurersScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
.ins-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 48px;
  height: 72px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 17px;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: rgba(212,175,55,0.55);
  border-right: 1px solid rgba(212,175,55,0.1);
  white-space: nowrap;
  transition: color 0.25s;
}
.ins-logo:hover { color: rgba(212,175,55,1); }

/* ── SECTION: WHY ZETA ── */
.why-sec {
  padding: 104px 6%;
  position: relative; overflow: hidden;
}
.why-sec::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 50% 60% at 0% 50%, rgba(212,175,55,0.05) 0%, transparent 60%);
}
.why-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.why-card {
  background: #131313; border: 1px solid rgba(212,175,55,0.1);
  border-radius: 8px; padding: 24px 20px;
  transition: all 0.25s;
}
.why-card:hover { border-color: rgba(212,175,55,0.3); box-shadow: 0 0 20px rgba(212,175,55,0.07); }
.why-card-icon { margin-bottom: 14px; }
.why-card-title {
  font-size: 12px; font-weight: 700; letter-spacing: 0.08em;
  color: var(--white); margin-bottom: 7px; text-transform: uppercase;
}
.why-card-desc { font-size: 11px; color: var(--gray); line-height: 1.65; }

/* ── SECTION: HOW IT WORKS ── */
.how-sec {
  padding: 104px 6%;
  background: #0E0E0E;
  border-top: 1px solid rgba(212,175,55,0.07);
  text-align: center; position: relative; overflow: hidden;
}
.how-sec::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 80% 60% at 50% 100%, rgba(212,175,55,0.07) 0%, transparent 65%);
}
.how-steps {
  max-width: 960px; margin: 56px auto 0;
  display: flex; align-items: flex-start; justify-content: center;
  flex-wrap: wrap; gap: 0;
}
.how-step { flex: 1; min-width: 200px; text-align: center; padding: 0 28px; position: relative; }
.how-connector {
  position: absolute; top: 32px; left: calc(50% + 36px);
  right: calc(-50% + 36px); height: 1px;
  background: linear-gradient(90deg, rgba(212,175,55,0.45), rgba(212,175,55,0.08));
}
.how-num {
  width: 64px; height: 64px; border-radius: 50%;
  border: 1.5px solid rgba(212,175,55,0.5);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-family: 'Cormorant Garamond', serif; font-size: 26px; font-weight: 700;
  background: var(--gold-grad);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  position: relative; z-index: 1;
}
.how-title {
  font-size: 12px; font-weight: 700; letter-spacing: 0.1em;
  color: var(--white); margin-bottom: 10px; text-transform: uppercase;
}
.how-desc { font-size: 12px; color: var(--gray); line-height: 1.7; }

/* ── SECTION: TESTIMONIALS ── */
.testimonials-sec {
  padding: 104px 6%;
  position: relative; overflow: hidden;
}
.testimonials-header { text-align: center; margin-bottom: 56px; }
.testimonials-grid {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.testi-card {
  background: #131313; border: 1px solid rgba(212,175,55,0.12);
  border-radius: 8px; padding: 28px 24px; position: relative;
  transition: border-color 0.25s;
}
.testi-card:hover { border-color: rgba(212,175,55,0.28); }
.testi-quote-mark {
  font-family: 'Cormorant Garamond', serif;
  font-size: 80px; line-height: 0.6;
  color: var(--gold); opacity: 0.25;
  position: absolute; top: 16px; left: 20px;
}
.testi-text {
  font-size: 13px; color: #C0C0C0; line-height: 1.8;
  margin-top: 32px; font-style: italic;
}
.testi-rule { width: 32px; height: 1px; background: var(--gold); margin: 20px 0; opacity: 0.5; }
.testi-author {
  font-size: 11px; font-weight: 700; letter-spacing: 0.08em;
  color: var(--white); text-transform: uppercase;
}
.testi-role { font-size: 10px; color: var(--gray); margin-top: 3px; letter-spacing: 0.06em; }
.testi-stars { display: flex; gap: 3px; margin-bottom: 16px; }
.testi-star { color: var(--gold); font-size: 11px; }

/* ── SECTION: FINAL CTA ── */
.final-sec {
  padding: 120px 6%;
  background: linear-gradient(180deg, #0B0B0B 0%, #0E0D08 60%, #0B0B0B 100%);
  text-align: center; position: relative; overflow: hidden;
}
.final-sec::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 80% 70% at 50% 50%, rgba(212,175,55,0.09) 0%, transparent 60%);
}
.final-inner { position: relative; max-width: 720px; margin: 0 auto; }
.final-box {
  background: #131313; border: 1px solid rgba(212,175,55,0.28);
  border-radius: 12px; padding: 60px 48px;
  box-shadow: 0 0 80px rgba(212,175,55,0.1);
  margin-top: 44px;
}
.final-logo { width: 60px; height: 60px; object-fit: contain; margin: 0 auto 28px; opacity: 0.95; }
.final-box-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(24px, 3.5vw, 40px); font-weight: 700;
  letter-spacing: 0.05em; text-transform: uppercase;
  color: var(--white); margin-bottom: 12px;
}
.final-box-sub { font-size: 13px; color: var(--gray); line-height: 1.8; margin-bottom: 36px; }
.final-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-bottom: 28px; }
.social-links {
  display: flex; align-items: center; justify-content: center; gap: 16px;
  margin-top: 28px;
}
.social-link {
  display: flex; align-items: center; gap: 8px;
  color: rgba(166,166,166,0.6); font-size: 12px; letter-spacing: 0.06em;
  text-decoration: none; text-transform: uppercase; font-weight: 600;
  transition: color 0.25s;
}
.social-link:hover { color: var(--gold); }
.final-trust {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  margin-top: 28px; font-size: 11px; color: rgba(166,166,166,0.45);
  letter-spacing: 0.1em;
}
.final-trust-dot { width: 4px; height: 4px; border-radius: 50%; background: rgba(212,175,55,0.35); }

/* ── FOOTER ── */
footer {
  background: #070707;
  border-top: 1px solid rgba(212,175,55,0.1);
  padding: 32px 6%;
}
.footer-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 16px;
}
.footer-brand { display: flex; align-items: center; gap: 10px; }
.footer-brand img { width: 28px; height: 28px; object-fit: contain; }
.footer-brand-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 14px; font-weight: 700; letter-spacing: 0.14em;
  color: var(--white); text-transform: uppercase;
}
.footer-links { display: flex; gap: 24px; }
.footer-links a {
  font-size: 10px; letter-spacing: 0.1em; color: rgba(166,166,166,0.5);
  text-transform: uppercase; transition: color 0.2s;
}
.footer-links a:hover { color: var(--gold); }
.footer-copy { font-size: 10px; color: rgba(166,166,166,0.3); letter-spacing: 0.06em; }

/* ── SCROLL ANIMATIONS ── */
.fade-up { opacity: 0; transform: translateY(24px); transition: opacity 0.55s ease, transform 0.55s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-in { opacity: 0; transition: opacity 0.55s ease; }
.fade-in.visible { opacity: 1; }

/* ── STICKY CTA (mobile) ── */
.sticky-cta-bar {
  display: none;
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 200;
  background: #131313; border-top: 1px solid rgba(212,175,55,0.2);
  padding: 12px 16px;
  flex-direction: row; gap: 10px;
}
.sticky-cta-bar .btn { flex: 1; justify-content: center; padding: 12px 10px; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .problem-inner { grid-template-columns: 1fr; gap: 48px; }
  .why-inner { grid-template-columns: 1fr; gap: 48px; }
  .testimonials-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .nav-mobile-toggle { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .stats-inner .stat-div { display: none; }
  .how-step { min-width: 160px; }
  .how-connector { display: none; }
  .final-box { padding: 36px 24px; }
  .footer-links { display: none; }
  .wa-float { display: none; }
  .sticky-cta-bar { display: flex; }
}
@media (max-width: 500px) {
  .hero-btns { flex-direction: column; align-items: center; width: auto; gap: 12px; }
  .why-grid { grid-template-columns: 1fr; }
  .final-btns { flex-direction: column; align-items: center; }
}

@media (prefers-reduced-motion: reduce) {
  .fade-up, .fade-in { transition: none; opacity: 1; transform: none; }
  .hero-badge-dot { animation: none; }
  .hero-scroll-arrow { animation: none; }
  .insurers-track { animation: none; }
}