:root{
  --navy:#0b2545; --navy-2:#13315c; --navy-3:#1d4473;
  --gold:#c9a227; --gold-2:#e2c25a; --gold-dark:#a8861a;
  --ink:#1b2430; --muted:#4a5565; --line:#dfe3ea;
  --cream:#f8f6f1; --paper:#ffffff; --soft:#eef1f6;
  --serif:'Playfair Display',Georgia,'Times New Roman',serif;
  --sans:'Source Sans 3','Segoe UI',Helvetica,Arial,sans-serif;
  --wrap:1180px; --r:14px; --shadow:0 10px 30px rgba(11,37,69,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:18px;line-height:1.7;color:var(--ink);background:var(--paper)}
img,svg{max-width:100%;display:block}
a{color:var(--navy-2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--gold-dark)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.4rem,5vw,4rem)}
h2{font-size:clamp(1.8rem,3.2vw,2.6rem)}
h3{font-size:1.35rem}
h4{font-size:1.1rem}
h1 em,h2 em{font-style:italic;color:var(--gold-2)}
h1,h2,h3{text-wrap:balance}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--navy);padding:8px 14px;z-index:999}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.ico{width:34px;height:34px}
.ico-s{width:20px;height:20px;flex:none;vertical-align:-4px;display:inline-block}

/* top bar */
.topbar{background:var(--navy);color:#dbe4f0;font-size:.95rem}
.topbar .wrap{display:flex;gap:28px;align-items:center;min-height:42px;flex-wrap:wrap}
.topbar span{display:inline-flex;align-items:center;gap:8px;white-space:nowrap}
.topbar a{color:#fff;text-decoration:none}
.topbar a:hover{color:var(--gold-2)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:84px;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand.light{color:#fff}
.logo-mark{width:48px;height:48px;color:var(--gold)}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-text strong{font-family:var(--serif);font-size:1.45rem;letter-spacing:.2px;white-space:nowrap}
.brand-text small{font-size:.8rem;letter-spacing:.18em;text-transform:uppercase;opacity:.75}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:6px}
.nav{display:flex;align-items:center;gap:18px}
.nav a:not(.btn){display:block;padding:10px 14px;text-decoration:none;color:var(--navy);font-weight:600;font-size:1.02rem;border-radius:8px;white-space:nowrap}
.nav a:not(.btn):hover,.nav a.active{background:var(--soft);color:var(--navy)}
.nav a.active{box-shadow:inset 0 -3px 0 var(--gold)}
.nav-toggle{display:none;background:none;border:2px solid var(--navy);border-radius:8px;width:48px;height:44px;padding:8px;cursor:pointer;flex-direction:column;justify-content:space-between}
.nav-toggle span{display:block;height:3px;background:var(--navy);border-radius:2px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;white-space:nowrap;padding:13px 24px;border-radius:10px;font-weight:700;font-size:1.02rem;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:var(--sans);transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(0,0,0,.12)}
.btn-lg{padding:16px 30px;font-size:1.1rem}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2);color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-3);color:#fff}
.btn-outline-light{border-color:rgba(255,255,255,.7);color:#fff;background:transparent}
.btn-outline-light:hover{background:rgba(255,255,255,.1);color:#fff}
.cta-row{display:flex;gap:16px;flex-wrap:wrap;margin-top:28px}

/* hero */
.hero{position:relative;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1a3a66 100%);color:#fff;padding:84px 0 92px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(to bottom,rgba(0,0,0,.9),transparent 90%)}
.hero::after{content:"";position:absolute;right:-180px;top:-120px;width:620px;height:620px;border-radius:50%;border:1px solid rgba(201,162,39,.35);box-shadow:0 0 0 70px rgba(201,162,39,.05),0 0 0 150px rgba(201,162,39,.035)}
.hero .wrap{position:relative;z-index:1;max-width:948px;margin-left:max(0px,calc((100% - var(--wrap))/2))}
.hero h1{color:#fff;margin-bottom:.4em}
.hero .lead{font-size:1.3rem;max-width:720px;color:#dbe4f0}
.hero-home{padding:120px 0 130px}
.hero-home .wrap{max-width:1028px}
.eyebrow{font-family:var(--sans);font-weight:700;letter-spacing:.2em;text-transform:uppercase;font-size:.85rem;color:var(--gold-dark);margin:0 0 14px}
.eyebrow.light,.hero .eyebrow{color:var(--gold-2)}
.eyebrow.center{text-align:center}
.eyebrow::before{content:"";display:inline-block;width:28px;height:2px;background:currentColor;vertical-align:middle;margin-right:12px}
.eyebrow.center::before{display:none}

/* stats */
.stats{background:var(--gold);color:var(--navy)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.stats-grid div{padding:28px 20px;text-align:center;border-left:1px solid rgba(11,37,69,.15)}
.stats-grid div:first-child{border-left:0}
.stats-grid strong{display:block;font-family:var(--serif);font-size:2.6rem;line-height:1}
.stats-grid sup{font-size:1.2rem;vertical-align:top}
.stats-grid span{display:block;margin-top:6px;font-weight:600;font-size:1rem}

/* sections */
.section{padding:88px 0}
.section.alt,.services-sec,.team-sec{background:var(--cream)}
.sec-head{max-width:760px;margin:0 auto 48px;text-align:center}
.sec-head .eyebrow::before{display:none}
.sec-head .sub{font-size:1.15rem;color:var(--muted)}
.two-col{display:grid;grid-template-columns:1fr 1.4fr;gap:60px;align-items:start}
.prose .big,.big{font-size:1.25rem;line-height:1.6;color:var(--navy)}
.prose .btn{margin-top:10px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:32px 28px;box-shadow:var(--shadow);text-decoration:none;color:var(--ink);display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s,border-color .2s}
a.card:hover{transform:translateY(-4px);border-color:var(--gold);box-shadow:0 18px 40px rgba(11,37,69,.14);color:var(--ink)}
.card h3{margin-top:14px}
.card p{color:var(--muted);flex:1}
.card .num{font-family:var(--serif);font-size:2rem;color:var(--gold);line-height:1}
.card-ico{width:64px;height:64px;border-radius:14px;background:var(--navy);color:var(--gold-2);display:grid;place-items:center}
.more{color:var(--navy);font-weight:700;display:inline-flex;align-items:center;gap:8px;margin-top:8px}
a.card:hover .more{color:var(--gold-dark)}

.process{background:var(--navy);color:#dbe4f0}
.process h2{color:#fff}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:26px;counter-reset:s}
.steps li{position:relative;padding:30px 26px 26px;border:1px solid rgba(255,255,255,.14);border-radius:var(--r);background:rgba(255,255,255,.04)}
.steps h3{color:#fff;margin-top:10px}
.step-num{font-family:var(--serif);font-size:3rem;line-height:1;color:var(--gold-2);opacity:.9}
.steps li::after{content:"";position:absolute;right:-26px;top:50%;width:26px;height:1px;background:rgba(201,162,39,.5)}
.steps li:last-child::after{display:none}

.value{padding:30px 26px;border-top:4px solid var(--gold);background:var(--paper);border-radius:0 0 var(--r) var(--r);box-shadow:var(--shadow)}
.value .num{font-family:var(--serif);color:var(--gold);font-size:1.4rem}
.value p{color:var(--muted);margin:0}

.chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:12px}
.chips li{background:var(--soft);border:1px solid var(--line);border-radius:999px;padding:12px 22px;font-weight:600;color:var(--navy);font-size:1.02rem}
.chips.small li{padding:8px 16px;font-size:.95rem;background:#fff}
.industries-sec{background:var(--cream)}

.testi{margin:0;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:32px 28px;box-shadow:var(--shadow);position:relative;display:flex;flex-direction:column}
.testi::before{content:"\201C";position:absolute;top:8px;left:22px;font-family:var(--serif);font-size:5rem;color:var(--gold);opacity:.35;line-height:1}
.testi p{font-size:1.1rem;color:var(--ink);flex:1;margin-top:20px;font-style:italic}
.testi footer{display:flex;flex-direction:column;border-top:1px solid var(--line);padding-top:14px}
.testi footer span{color:var(--muted);font-size:.95rem}

.affiliations{padding:56px 0;border-top:1px solid var(--line)}
.affil{list-style:none;margin:20px 0 0;padding:0;display:grid;grid-template-columns:repeat(6,1fr);gap:18px}
.affil li{text-align:center;padding:18px 10px;border:1px solid var(--line);border-radius:12px;background:var(--cream)}
.affil strong{display:block;font-family:var(--serif);font-size:1.25rem;color:var(--navy)}
.affil span{font-size:.85rem;color:var(--muted);line-height:1.3;display:block;margin-top:4px}

.cta-band{background:linear-gradient(135deg,var(--navy-2),var(--navy));color:#dbe4f0;padding:72px 0}
.cta-band .wrap{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.cta-band h2{color:#fff}
.cta-band p{font-size:1.12rem}
.cta-band .cta-row{justify-content:flex-end;margin:0}

/* timeline */
.timeline-sec{background:var(--navy);color:#dbe4f0}
.timeline-sec h2{color:#fff}
.timeline{list-style:none;margin:0;padding:0;position:relative;max-width:860px;margin:0 auto}
.timeline::before{content:"";position:absolute;left:92px;top:0;bottom:0;width:2px;background:rgba(201,162,39,.4)}
.timeline li{display:grid;grid-template-columns:70px 1fr;gap:50px;padding:22px 0;position:relative}
.timeline li::before{content:"";position:absolute;left:85px;top:36px;width:16px;height:16px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 6px var(--navy)}
.timeline .year{font-family:var(--serif);font-size:1.9rem;color:var(--gold-2);line-height:1.2;text-align:right}
.timeline h3{color:#fff;margin-bottom:.2em}
.timeline p{margin:0;color:#c5d0e0}

/* team */
.person{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px 26px;box-shadow:var(--shadow)}
.avatar{width:78px;height:78px;border-radius:50%;background:var(--navy);color:var(--gold-2);font-family:var(--serif);font-size:1.7rem;display:grid;place-items:center;margin-bottom:18px;border:3px solid var(--gold)}
.person .role{color:var(--gold-dark);font-weight:700;margin-bottom:.6em}
.person p{color:var(--muted);font-size:1rem}
.person .memb{font-size:.9rem;letter-spacing:.06em;color:var(--navy);font-weight:600;margin:0}

/* services page */
.subnav{background:var(--cream);border-bottom:1px solid var(--line);position:sticky;top:84px;z-index:40}
.subnav ul{list-style:none;margin:0;padding:10px 0;display:flex;gap:4px;flex-wrap:wrap;justify-content:center}
.subnav a{display:block;padding:8px 14px;border-radius:8px;text-decoration:none;font-weight:600;color:var(--navy);font-size:.98rem}
.subnav a:hover{background:#fff}
.svc-block{padding:84px 0;scroll-margin-top:160px}
.svc-block h2{scroll-margin-top:160px}
.svc-block.alt{background:var(--cream)}
.svc-side .card-ico{margin-bottom:22px}
.svc-head{font-family:var(--serif);font-size:1.35rem;color:var(--gold-dark);font-style:italic}
.points{list-style:none;margin:10px 0 24px;padding:0;display:grid;gap:16px}
.points li{display:flex;gap:14px;align-items:flex-start}
.points li .ico-s{color:var(--gold-dark);margin-top:6px;width:24px;height:24px}
.points p{margin:0;color:var(--muted)}
.extra{margin:0 0 26px;padding:22px;border:1px dashed var(--gold);border-radius:12px;background:#fff}
.extra h4{margin-bottom:12px}

.note{margin-top:40px;padding:24px 28px;background:var(--soft);border-left:5px solid var(--gold);border-radius:0 12px 12px 0;font-size:1.1rem}
.note p{margin:0}

/* careers */
.jobs{list-style:none;margin:0;padding:0;display:grid;gap:16px}
.job{display:flex;justify-content:space-between;align-items:center;gap:20px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:24px 28px;box-shadow:var(--shadow)}
.job h3{margin-bottom:4px}
.job p{margin:0;color:var(--muted);display:flex;align-items:center;gap:6px}

/* contact */
.office{margin-bottom:26px}
.office h3{display:flex;align-items:center;gap:10px;font-size:1.2rem;margin-bottom:.3em}
.office h3 .ico-s{color:var(--gold-dark)}
.office p{margin:0;color:var(--muted)}
.cin{font-size:.95rem;letter-spacing:.04em}
.form-card{background:var(--cream);border:1px solid var(--line);border-radius:var(--r);padding:36px;box-shadow:var(--shadow)}
.form-card form{display:grid;gap:16px}
.form-card label{display:block;font-weight:600;color:var(--navy)}
.form-card label span{color:#b42318;margin-left:4px}
.form-card label input,.form-card label select,.form-card label textarea{margin-top:6px}
.form-card input,.form-card select,.form-card textarea{font:inherit;padding:13px 14px;border:1.5px solid #c7cdd8;border-radius:10px;background:#fff;color:var(--ink);width:100%}
.form-card input:focus,.form-card select:focus,.form-card textarea:focus{border-color:var(--navy);outline:3px solid rgba(201,162,39,.35)}
.form-note{min-height:1.5em;margin:0;color:var(--navy-2);font-weight:600}

/* network office (separate from JBS Assurance) */
.network-office{margin-top:34px;padding-top:26px;border-top:1px solid var(--line)}
.network-office .eyebrow{margin-bottom:16px}
.contact-list li.net{margin-top:10px;padding-top:12px;border-top:1px solid rgba(255,255,255,.14)}
.net-label{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);font-weight:700}

/* footer */
.site-footer{background:var(--navy);color:#c5d0e0;padding-top:72px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:44px}
.site-footer h4{color:#fff;margin-bottom:16px;font-size:1.15rem}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.site-footer a{color:#dbe4f0;text-decoration:none}
.site-footer a:hover{color:var(--gold-2)}
.foot-brand p{font-size:1rem;margin-top:18px}
.foot-brand .cin{color:#fff}
.contact-list li{display:flex;gap:12px;align-items:flex-start;font-size:1rem}
.contact-list .ico-s{color:var(--gold-2);margin-top:3px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:52px;padding:20px 0;font-size:.95rem}
.foot-bottom .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

/* wide 7th card */
.grid-3.seven>:last-child{grid-column:1/-1;flex-direction:row;align-items:center;flex-wrap:wrap;gap:12px 32px;padding:28px 32px}
.grid-3.seven>:last-child h3{margin:0;flex:0 0 240px}
.grid-3.seven>:last-child p{margin:0;flex:1 1 320px}
.grid-3.seven>:last-child .more{margin:0}
.grid-3.seven>:last-child .card-ico{flex:none}
.grid-3.seven>:last-child .num{flex:none}
/* team: centre the last row */
.team{display:flex;flex-wrap:wrap;justify-content:center;gap:26px}
.team .person{flex:0 1 calc((100% - 52px)/3);min-width:260px}
/* hero copy width */
.hero h1{max-width:14ch}
.hero-home h1{max-width:none}

/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* responsive */
@media (max-width:1180px){
  .nav-toggle{display:flex}
  .nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 24px 20px;display:none;box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav ul{flex-direction:column;gap:2px}
  .nav a:not(.btn){font-size:1.15rem;padding:14px;white-space:normal}
  .nav-cta{display:inline-flex;margin-top:10px;justify-content:center}
}
@media (max-width:1024px){
  .grid-4,.steps{grid-template-columns:repeat(2,1fr)}
  .steps li::after{display:none}
  .affil{grid-template-columns:repeat(3,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  .topbar .hide-m{display:none}
  .two-col,.grid-3,.cta-band .wrap{grid-template-columns:1fr}
  .grid-3.seven>:last-child{flex-direction:column;align-items:stretch;padding:32px 28px;gap:0}
  .grid-3.seven>:last-child h3{margin:14px 0 .5em;flex:none}
  .grid-3.seven>:last-child p{margin:0 0 1em;flex:none}
  .team .person{flex:1 1 100%}
  .hero h1{max-width:none}
  .cta-band .cta-row{justify-content:flex-start}
  .cta-band .wrap{gap:20px}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
  .stats-grid div:nth-child(3){border-left:0}
  .section{padding:64px 0}
  .hero{padding:64px 0 70px}
  .hero-home{padding:80px 0 88px}
  .subnav{position:static}
  .timeline::before{left:24px}
  .timeline li{grid-template-columns:1fr;gap:6px;padding-left:56px}
  .timeline li::before{left:17px;top:30px}
  .timeline .year{text-align:left}
  .job{flex-direction:column;align-items:flex-start}
}
@media (max-width:560px){
  .grid-4,.steps,.affil,.foot-grid,.stats-grid{grid-template-columns:1fr}
  .stats-grid div{border-left:0;border-top:1px solid rgba(11,37,69,.15)}
  body{font-size:17px}
  .form-card{padding:24px}
}