:root{--navy:#10263b;--ink:#172b3d;--blue:#1769aa;--sky:#eaf5fb;--gold:#e7b45c;--cream:#f7f8f6;--muted:#617180;--line:#dbe4e9;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"DM Sans",sans-serif;color:var(--ink);background:#fff;line-height:1.6}h1,h2,h3,h4{font-family:Manrope,sans-serif;line-height:1.1;margin:0}a{text-decoration:none;color:inherit}.container{width:min(1160px,calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid #edf1f3}.nav{height:78px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:11px;color:var(--navy)}.brand-mark{width:45px;height:45px;display:grid;place-items:center;background:var(--navy);color:#fff;font:800 15px Manrope;border-radius:12px;letter-spacing:-1px}.brand strong{display:block;font:800 18px Manrope;line-height:1}.brand small{font-size:9px;letter-spacing:3px;font-weight:700;color:var(--blue)}.menu{display:flex;align-items:center;gap:30px;font-size:14px;font-weight:600}.menu a{transition:.2s}.menu a:hover{color:var(--blue)}.nav-cta{padding:12px 17px;border-radius:8px;background:var(--navy);color:#fff!important}.menu-toggle{display:none;background:none;border:0;font-size:25px}
.hero{background:linear-gradient(135deg,#edf7fb 0%,#f9fbfa 62%,#e7f0f5 100%);padding:90px 0 72px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:45px;align-items:center}.eyebrow{font-size:11px;letter-spacing:2.5px;font-weight:800;color:var(--blue);margin-bottom:17px}.hero h1{font-size:clamp(44px,5.2vw,62px);letter-spacing:-2.6px;max-width:570px}.hero h1 em{font-style:normal;color:var(--blue)}.hero-text{font-size:18px;color:#526574;max-width:570px;margin:25px 0 30px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:18px;border:0;border-radius:8px;padding:14px 21px;font-weight:800;font-size:14px;cursor:pointer}.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 25px #1769aa2b}.btn-light{background:#fff;border:1px solid var(--line)}.trust-row{display:flex;gap:28px;margin-top:45px}.trust-row div{border-left:2px solid #c8d9e3;padding-left:13px}.trust-row b,.trust-row span{display:block}.trust-row b{font-size:13px}.trust-row span{font-size:11px;color:var(--muted);margin-top:3px}.hero-card{background:var(--navy);color:#fff;padding:42px;border-radius:24px;box-shadow:0 25px 60px #10263b30;transform:rotate(2deg)}.shield{width:55px;height:55px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-size:25px;font-weight:800;margin-bottom:42px}.card-kicker{font-size:10px;letter-spacing:2px;color:#b8ccda}.hero-card h2{font-size:32px;margin:13px 0}.hero-card p{color:#c4d3dd}.card-link{display:flex;justify-content:space-between;border-top:1px solid #ffffff25;padding-top:20px;margin-top:35px;font-weight:700}
.logos{background:var(--navy);color:#c4d3dd}.logos-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px;font-size:10px;letter-spacing:1.6px;font-weight:800}
.section{padding:105px 0}.section-heading{display:grid;grid-template-columns:1fr .8fr;gap:60px;align-items:end;margin-bottom:45px}.section-heading h2,.center-heading h2,.split-copy h2,.quote-grid h2{font-size:44px;letter-spacing:-2px}.section-heading p{color:var(--muted);margin:0}.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.service-card{border:1px solid var(--line);padding:28px;border-radius:16px;min-height:275px;display:flex;flex-direction:column;transition:.2s}.service-card:hover{transform:translateY(-4px);box-shadow:0 18px 35px #172b3d10}.service-card.featured{background:var(--sky);border-color:transparent}.icon{font:800 12px Manrope;color:var(--blue);margin-bottom:35px}.service-card h3{font-size:22px}.service-card p{font-size:14px;color:var(--muted);margin:13px 0 25px}.service-card a{font-size:13px;color:var(--blue);font-weight:800;margin-top:auto}.secondary-services{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}.secondary-services span{padding:10px 15px;border:1px solid var(--line);border-radius:999px;font-size:12px;color:var(--muted)}
.split-section{background:var(--cream);padding:100px 0}.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.photo-panel{height:530px;border-radius:22px;position:relative;overflow:hidden;background:linear-gradient(145deg,#194b67,#89b7c9);}.photo-panel:before,.photo-panel:after{content:"";position:absolute;border-radius:50%;background:#ffffff15}.photo-panel:before{width:440px;height:440px;right:-120px;top:-80px}.photo-panel:after{width:280px;height:280px;left:-80px;bottom:-80px}.photo-overlay{position:absolute;z-index:1;left:34px;right:34px;bottom:34px;background:#10263bdd;color:#fff;padding:25px;border-radius:15px}.photo-overlay span{font-size:9px;letter-spacing:2px;color:#b9d6e4}.photo-overlay strong{display:block;font:700 27px Manrope;margin-top:8px}.split-copy p{color:var(--muted);max-width:520px}.text-link{display:inline-block;color:var(--blue);font-weight:800;font-size:14px;margin-top:14px}
.center-heading{text-align:center;max-width:600px;margin:0 auto 55px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.step{padding:30px;border-top:1px solid var(--line)}.step span{font:800 12px Manrope;color:var(--blue)}.step h3{font-size:22px;margin:20px 0 10px}.step p{color:var(--muted);font-size:14px}
.quote-section{background:var(--navy);color:#fff;padding:100px 0}.quote-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:80px}.quote-grid h2{font-size:47px}.quote-grid>div>p{color:#bfd0dc;max-width:480px}.quote-grid a{color:#8bc8ee}.contact-mini{margin-top:28px;border-top:1px solid #ffffff20;padding-top:14px}.contact-mini b{display:block;font-size:11px;text-transform:uppercase;letter-spacing:1.5px;color:#8bc8ee}.contact-mini span{display:block;margin-top:3px;color:#dce7ed;font-size:14px}.quote-form{background:#fff;color:var(--ink);padding:32px;border-radius:18px}.quote-form label{display:block;font-size:12px;font-weight:800;margin-bottom:15px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:15px}.quote-form input,.quote-form select,.quote-form textarea{display:block;width:100%;margin-top:7px;padding:13px;border:1px solid var(--line);border-radius:7px;font:inherit;font-size:14px}.quote-form textarea{resize:vertical}.quote-form .btn{width:100%}.form-note{display:block;color:#7a8994;font-size:10px;margin-top:12px}
footer{background:#0b1d2e;color:#c7d4dc;padding:60px 0 20px}.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .9fr 1fr;gap:50px}.footer-brand{color:#fff}.footer-grid h4{font-size:14px;color:#fff;margin-bottom:15px}.footer-grid p,.footer-grid a,.footer-grid span{display:block;font-size:13px;margin:7px 0}.footer-grid a:hover{color:#fff}.footer-call{color:#8bc8ee!important;font-weight:800}.footer-bottom{border-top:1px solid #ffffff18;margin-top:50px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;font-size:10px;color:#81939f}
@media(max-width:900px){.hero-grid,.split-grid,.quote-grid{grid-template-columns:1fr}.hero-card{max-width:500px}.service-grid{grid-template-columns:1fr 1fr}.section-heading{grid-template-columns:1fr}.split-grid{gap:40px}.photo-panel{height:400px}.footer-grid{grid-template-columns:1fr 1fr}.menu{gap:15px}}
@media(max-width:650px){.container{width:min(100% - 28px,1160px)}.nav{height:68px}.menu-toggle{display:block}.menu{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;padding:18px 20px 25px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch}.menu.open{display:flex}.nav-cta{text-align:center}.hero{padding:65px 0 55px}.hero h1{font-size:43px;letter-spacing:-2px}.trust-row{gap:14px;flex-wrap:wrap}.hero-card{padding:30px}.logos-inner{flex-wrap:wrap;padding:20px 0}.logos-inner span{width:45%}.section,.split-section,.quote-section{padding:70px 0}.section-heading h2,.center-heading h2,.split-copy h2,.quote-grid h2{font-size:35px}.service-grid,.steps{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}}


/* Hidden anti-spam honeypot field */
.hp-field { position:absolute !important; left:-10000px !important; width:1px !important; height:1px !important; overflow:hidden !important; }

/* South Florida hero photography */
.hero { position: relative; overflow: hidden; }
.hero-visual {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 48%;
  z-index: 0;
  pointer-events: none;
}
.hero-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  display: block;
}
.hero-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(9,34,63,.94) 0%, rgba(9,34,63,.70) 25%, rgba(9,34,63,.10) 70%, rgba(9,34,63,0) 100%);
}
.hero > *:not(.hero-visual) {
  position: relative;
  z-index: 1;
}
@media (max-width: 800px) {
  .hero-visual {
    left: 0;
    opacity: .38;
  }
  .hero-visual::after {
    background: linear-gradient(180deg, rgba(9,34,63,.90) 0%, rgba(9,34,63,.55) 60%, rgba(9,34,63,.88) 100%);
  }
}


/* Refined hero headline and insurance services */
.hero-title {
  max-width: 570px;
  line-height: 1.02;
  letter-spacing: -0.035em;
}

.services-section {
  padding: 88px 0;
  background: #f7fafc;
}

.section-heading {
  max-width: 720px;
  margin: 0 auto 42px;
  text-align: center;
}

.section-heading .eyebrow {
  display: inline-block;
  margin-bottom: 12px;
  color: #087edb;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
}

.section-heading h2 {
  margin: 0 0 12px;
  color: #102b45;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.08;
}

.section-heading p {
  margin: 0 auto;
  max-width: 620px;
  color: #607083;
  line-height: 1.65;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.service-card {
  min-height: 265px;
  padding: 30px;
  background: #fff;
  border: 1px solid #e1e9f0;
  border-radius: 18px;
  box-shadow: 0 10px 30px rgba(16,43,69,.06);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(16,43,69,.10);
  border-color: #b9d9f4;
}

.service-icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  margin-bottom: 20px;
  border-radius: 14px;
  background: #e9f4ff;
  color: #087edb;
  font-size: 24px;
  font-weight: 800;
}

.service-card h3 {
  margin: 0 0 10px;
  color: #102b45;
  font-size: 1.28rem;
}

.service-card p {
  margin: 0 0 20px;
  color: #617184;
  line-height: 1.6;
}

.service-card a {
  color: #087edb;
  font-weight: 800;
  text-decoration: none;
}

.service-card a span {
  margin-left: 5px;
}

@media (max-width: 950px) {
  .hero-title { max-width: 520px; }
  .services-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 650px) {
  .services-section { padding: 64px 0; }
  .services-grid { grid-template-columns: 1fr; }
  .service-card { min-height: auto; }
}


/* About / Why D&D section */
.about-section {
  padding: 92px 0;
  background: #fff;
}
.about-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 72px;
  align-items: center;
}
.about-copy .eyebrow {
  display: inline-block;
  margin-bottom: 14px;
  color: #087edb;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
}
.about-copy h2 {
  margin: 0 0 20px;
  max-width: 650px;
  color: #102b45;
  font-size: clamp(2.1rem, 4vw, 3.4rem);
  line-height: 1.08;
  letter-spacing: -.025em;
}
.about-copy p {
  max-width: 650px;
  color: #607083;
  line-height: 1.7;
}
.about-copy .about-lead {
  color: #334d66;
  font-size: 1.08rem;
}
.about-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}
.about-highlights {
  display: grid;
  gap: 14px;
}
.about-card {
  display: grid;
  grid-template-columns: 58px 1fr;
  gap: 18px;
  align-items: start;
  padding: 24px;
  border: 1px solid #e1e9f0;
  border-radius: 16px;
  background: #f8fbfd;
}
.about-number {
  color: #087edb;
  font-size: .78rem;
  font-weight: 900;
  letter-spacing: .08em;
  padding-top: 3px;
}
.about-card h3 {
  margin: 0 0 6px;
  color: #102b45;
  font-size: 1.12rem;
}
.about-card p {
  margin: 0;
  color: #647487;
  line-height: 1.55;
}
.about-card-dark {
  background: #102b45;
  border-color: #102b45;
}
.about-card-dark h3,
.about-card-dark p {
  color: #fff;
}
.about-card-dark p {
  color: #d8e4ef;
}
.about-check {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: #f2b84b;
  color: #102b45;
  font-size: 1.3rem;
  font-weight: 900;
}

@media (max-width: 850px) {
  .about-section { padding: 70px 0; }
  .about-grid {
    grid-template-columns: 1fr;
    gap: 42px;
  }
}


/* Professional footer */
.site-footer {
  background: #0d2942;
  color: #dce8f2;
  margin-top: 0;
}
.footer-main {
  display: grid;
  grid-template-columns: 1.45fr .7fr .9fr 1.05fr;
  gap: 48px;
  padding: 68px 0 52px;
}
.footer-brand p {
  max-width: 360px;
  margin: 20px 0 24px;
  color: #b8cbdc;
  line-height: 1.65;
}
.footer-logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  text-decoration: none;
}
.footer-logo .footer-mark {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 11px;
  background: #fff;
  color: #0d2942;
  font-weight: 900;
}
.footer-logo strong {
  display: block;
  font-size: 1.35rem;
  line-height: 1;
}
.footer-logo small {
  display: block;
  margin-top: 6px;
  color: #58b4f5;
  font-size: .55rem;
  font-weight: 800;
  letter-spacing: .22em;
}
.footer-quote {
  display: inline-flex;
  gap: 9px;
  align-items: center;
  padding: 12px 18px;
  border-radius: 9px;
  background: #1675bd;
  color: #fff;
  font-weight: 800;
  text-decoration: none;
}
.footer-column {
  display: flex;
  flex-direction: column;
  gap: 11px;
}
.footer-column h3 {
  margin: 0 0 10px;
  color: #fff;
  font-size: .82rem;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.footer-column a {
  color: #c4d5e3;
  text-decoration: none;
}
.footer-column a:hover {
  color: #fff;
}
.footer-contact a:first-of-type {
  color: #fff;
  font-size: 1.08rem;
  font-weight: 800;
}
.footer-column p {
  margin: 3px 0 0;
  color: #b8cbdc;
  line-height: 1.55;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding: 20px 0 24px;
  border-top: 1px solid rgba(255,255,255,.13);
  color: #91aabd;
  font-size: .78rem;
}
@media (max-width: 900px) {
  .footer-main {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 600px) {
  .footer-main {
    grid-template-columns: 1fr;
    gap: 34px;
    padding: 52px 0 40px;
  }
  .footer-bottom {
    flex-direction: column;
    padding-bottom: 28px;
  }
}


/* Mobile navigation and responsive polish */
.mobile-menu-toggle {
  display: none;
  border: 0;
  background: transparent;
  color: #102b45;
  font-size: 1.7rem;
  line-height: 1;
  padding: 8px;
  cursor: pointer;
}

@media (max-width: 760px) {
  header .container,
  .site-header .container {
    min-height: 68px;
  }

  .mobile-menu-toggle {
    display: block;
    margin-left: auto;
  }

  #main-nav {
    display: none;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    z-index: 50;
    padding: 12px 20px 18px;
    background: #fff;
    border-top: 1px solid #e5edf3;
    box-shadow: 0 14px 28px rgba(16,43,69,.10);
  }

  #main-nav.is-open {
    display: flex;
    flex-direction: column;
    gap: 2px;
  }

  #main-nav a {
    display: block;
    padding: 13px 8px;
  }

  .hero-title {
    max-width: 100%;
    font-size: clamp(2.35rem, 11vw, 3.4rem);
  }

  .hero {
    min-height: auto;
  }

  .hero-visual {
    left: 0;
    opacity: .32;
  }

  .hero-grid {
    grid-template-columns: 1fr;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .about-grid {
    grid-template-columns: 1fr;
  }

  .footer-main {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

@media (max-width: 480px) {
  .hero-title {
    font-size: 2.35rem;
  }

  .about-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .about-actions .btn {
    text-align: center;
  }

  .service-card {
    padding: 24px;
  }
}