* {
      margin: 0;
      padding: 0;
      box-sizing: border-box;
    }

    body {
      font-family: 'Inter', sans-serif;
      background-color: #ffffff;
      overflow-x: hidden;
      color: var(--text-dark);
      line-height: 1.6;
    }

    /* SEO HEADING HIERARCHY */
    h1, h2, h3, h4, h5, h6 {
      color: var(--text-dark);
      font-weight: 800;
      line-height: 1.2;
      margin-bottom: 1rem;
    }
    h1 { font-size: clamp(2rem, 5vw, 3.5rem); letter-spacing: -0.03em; }
    h2 { font-size: clamp(1.75rem, 4vw, 2.5rem); letter-spacing: -0.02em; }
    h3 { font-size: clamp(1.5rem, 3vw, 2rem); }
    h4 { font-size: clamp(1.25rem, 2.5vw, 1.5rem); }
    h5 { font-size: 1.1rem; }
    h6 { font-size: 1rem; }

    /* LUXURY VARIABLES */
    :root {
      --primary: #3f51b5;
      --primary-dark: #32408f;
      --navy: #243672;
      --navy-light: #5265c4;
      --gray-light: #f8f9fc;
      --gray-border: #eef2f6;
      --text-dark: #111827;
      --text-muted: #4b5563;
      --transition-smooth: all 0.3s cubic-bezier(0.2, 0.9, 0.4, 1.1);
    }

    /* TOP UTILITY BAR */
    .top-utility-bar {
      background: linear-gradient(180deg, #fbfaf7 0%, #f4f2ed 100%);
      border-top: 1px solid rgba(63, 81, 181, 0.14);
      border-bottom: 1px solid rgba(28, 47, 92, 0.08);
      position: relative;
      overflow: hidden;
    }
    .top-utility-inner {
      position: relative;
      z-index: 1;
      padding-top: 0.45rem;
      padding-bottom: 0.45rem;
    }
    .utility-row {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 1rem;
    }
    .utility-row + .utility-row {
      margin-top: 0.35rem;
    }
    .utility-contact-group,
    .utility-action-group,
    .utility-phone-group,
    .utility-link-strip,
    .utility-contact-link {
      display: flex;
      align-items: center;
    }
    .utility-contact-group,
    .utility-action-group {
      gap: 1rem;
      flex-wrap: wrap;
    }
    .utility-contact-link,
    .utility-phone-link,
    .utility-mini-link,
    .utility-mini-text {
      color: var(--text-dark);
      text-decoration: none;
    }
    .utility-contact-link {
      gap: 0.55rem;
      font-size: 0.95rem;
      font-weight: 500;
    }
    .utility-contact-link i,
    .utility-phone-group i {
      color: var(--navy);
      font-size: 1rem;
    }
    .utility-contact-link:hover span,
    .utility-phone-link:hover,
    .utility-mini-link:hover {
      color: var(--primary);
    }
    .utility-location {
      pointer-events: none;
    }
    .utility-badge {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 30px;
      padding: 0.25rem 0.85rem;
      border-radius: 8px;
      color: #fff;
      text-decoration: none;
      font-size: 0.8rem;
      font-weight: 700;
      line-height: 1;
      transition: var(--transition-smooth);
      box-shadow: 0 8px 16px rgba(28, 47, 92, 0.08);
    }
    .utility-badge:hover {
      color: #fff;
      transform: translateY(-1px);
    }
    .utility-badge-accent {
      background: linear-gradient(135deg, #6676c9, #3f51b5);
    }
    .utility-badge-navy {
      background: linear-gradient(135deg, #4f62c7, #32408f);
    }
    .utility-phone-group {
      gap: 0.45rem;
      font-size: 0.95rem;
      font-weight: 600;
      white-space: nowrap;
    }
    .utility-phone-link {
      font-weight: 600;
    }
    .utility-phone-divider,
    .utility-separator {
      color: rgba(28, 47, 92, 0.45);
    }
    .utility-row-bottom {
      justify-content: center;
    }
    .utility-link-strip {
      flex-wrap: wrap;
      justify-content: center;
      gap: 0.45rem;
      font-size: 0.82rem;
    }
    .utility-mini-link {
      font-weight: 500;
      transition: color 0.2s ease;
    }
    .utility-mini-text {
      color: var(--primary);
      font-weight: 600;
    }

    /* MAIN STICKY HEADER */
    .main-header {
      background: white;
      transition: all 0.25s ease-out;
      position: sticky;
      top: 0;
      z-index: 1020;
      width: 100%;
      border-bottom: 1px solid transparent;
    }
    .main-header.scrolled {
      box-shadow: 0 12px 28px rgba(0, 0, 0, 0.05), 0 0 0 1px rgba(0, 0, 0, 0.01);
      border-bottom-color: var(--gray-border);
      background: rgba(255,255,255,0.98);
      backdrop-filter: blur(2px);
    }
    .logo-area {
      display: flex;
      align-items: center;
      flex: 0 1 auto;
      text-decoration: none;
      min-width: 0;
    }
    .header-logo {
      display: block;
      width: auto;
      max-width: min(100%, 560px);
      height: clamp(46px, 7.5vw, 82px);
      object-fit: contain;
      object-position: left center;
    }
    .logo-icon {
      width: 40px;
      height: 40px;
      background: linear-gradient(135deg, var(--primary), var(--navy-light));
      border-radius: 12px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: 800;
      font-size: 1.5rem;
      color: white;
      box-shadow: 0 10px 18px -6px rgba(63, 81, 181, 0.32);
      flex: 0 0 auto;
    }
    .header-desktop-actions {
      display: flex;
      align-items: center;
      gap: 0.9rem;
      margin-left: auto;
      margin-right: 1rem;
    }
    .desktop-helpline {
      display: inline-flex;
      align-items: center;
      gap: 0.8rem;
      padding: 0.35rem 0;
      color: var(--navy);
      text-decoration: none;
      position: relative;
      transition: var(--transition-smooth);
    }
    .desktop-helpline:hover {
      color: var(--navy);
      transform: translateY(-1px);
    }
    .desktop-helpline-icon {
      width: 42px;
      height: 42px;
      border-radius: 50%;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      background: linear-gradient(135deg, var(--navy-light), var(--primary));
      color: #fff;
      position: relative;
      flex: 0 0 auto;
      animation: helplinePulse 1.8s ease-in-out infinite;
      box-shadow: 0 10px 20px rgba(63, 81, 181, 0.24);
    }
    .desktop-helpline-icon::after {
      content: "";
      position: absolute;
      inset: -6px;
      border-radius: 50%;
      border: 1px solid rgba(63, 81, 181, 0.3);
      animation: helplineRipple 1.8s ease-out infinite;
    }
    .desktop-helpline-copy {
      display: flex;
      flex-direction: column;
      line-height: 1.1;
    }
    .desktop-helpline-copy small {
      color: var(--text-muted);
      font-size: 0.72rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.08em;
    }
    .desktop-helpline-copy strong {
      color: var(--navy);
      font-size: 1.05rem;
      font-weight: 800;
      margin-top: 0.18rem;
      letter-spacing: -0.01em;
    }
    .desktop-quote-btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 48px;
      padding: 0.85rem 1.55rem;
      border-radius: 999px;
      background: linear-gradient(135deg, #6d7bd0 0%, #3f51b5 58%, #32408f 100%);
      color: #fff;
      text-decoration: none;
      font-weight: 700;
      letter-spacing: 0.01em;
      box-shadow: 0 14px 28px rgba(63, 81, 181, 0.26);
      transition: var(--transition-smooth);
      white-space: nowrap;
      position: relative;
      overflow: hidden;
      border: 1px solid rgba(255, 255, 255, 0.25);
    }
    .desktop-quote-btn::before {
      content: "";
      position: absolute;
      inset: 1px;
      border-radius: inherit;
      background: linear-gradient(180deg, rgba(255,255,255,0.18), rgba(255,255,255,0));
      pointer-events: none;
    }
    .desktop-quote-btn:hover {
      color: #fff;
      transform: translateY(-2px);
      box-shadow: 0 18px 32px rgba(63, 81, 181, 0.34);
    }
    .hamburger {
      background: transparent;
      border: none;
      cursor: pointer;
      display: flex;
      flex-direction: column;
      gap: 5px;
      padding: 8px 10px;
      transition: var(--transition-smooth);
      border-radius: 60px;
    }
    .hamburger span {
      width: 30px;
      height: 4px;
      background: #3f51b5;
      transition: 0.2s;
      border-radius: 4px;
    }
    .hamburger:hover span {
      background: #32408f;
    }
    @keyframes helplinePulse {
      0%, 100% {
        transform: scale(1);
      }
      50% {
        transform: scale(1.06);
      }
    }
    @keyframes helplineRipple {
      0% {
        opacity: 0.65;
        transform: scale(0.9);
      }
      100% {
        opacity: 0;
        transform: scale(1.45);
      }
    }

    /* FULLSCREEN MEGA OVERLAY */
    .mega-overlay {
      position: fixed;
      top: 0;
      left: 0;
      width: 100%;
      height: 100%;
      background: rgba(36, 54, 114, 0.98);
      backdrop-filter: blur(16px);
      z-index: 2000;
      visibility: hidden;
      opacity: 0;
      pointer-events: none;
      transition: opacity 0.4s ease-in-out, visibility 0s linear 0.4s;
      overflow-y: auto;
      padding: 2rem 0;
    }
    .mega-overlay.active {
      visibility: visible;
      opacity: 1;
      pointer-events: auto;
      transition: opacity 0.4s ease-in-out, visibility 0s linear 0s;
    }
    /* inner container animation (slide + fade) */
    .overlay-content-wrapper {
      transform: translateY(30px);
      opacity: 0;
      transition: transform 0.45s cubic-bezier(0.2, 0.9, 0.4, 1.1), opacity 0.45s ease;
    }
    .mega-overlay.active .overlay-content-wrapper {
      transform: translateY(0);
      opacity: 1;
    }
    /* close button */
    .close-overlay {
      position: sticky;
      top: 28px;
      margin-left: auto;
      right: 32px;
      background: rgba(255,255,255,0.15);
      border: none;
      width: 48px;
      height: 48px;
      border-radius: 60px;
      font-size: 1.8rem;
      color: white;
      display: flex;
      align-items: center;
      justify-content: center;
      transition: all 0.2s;
      backdrop-filter: blur(4px);
      cursor: pointer;
      z-index: 20;
    }
    .close-overlay:hover {
      background: var(--primary);
      color: var(--navy);
      transform: scale(0.96);
    }

    /* Overlay typography & luxury grid */
    .overlay-content {
      color: white;
      padding: 3rem 1rem;
    }
    .mega-section-title {
      font-size: 0.8rem;
      text-transform: uppercase;
      letter-spacing: 3px;
      font-weight: 600;
      color: rgba(255,255,255,0.6);
      margin-bottom: 1.5rem;
      border-left: 3px solid var(--primary);
      padding-left: 12px;
    }
    .nav-link-premium {
      display: flex;
      align-items: center;
      gap: 12px;
      color: white;
      text-decoration: none;
      font-weight: 500;
      font-size: 1.1rem;
      padding: 10px 0;
      transition: all 0.2s ease;
      border-bottom: 1px solid rgba(255,255,255,0.05);
    }
    .nav-link-premium i {
      font-size: 1.3rem;
      width: 28px;
      color: #ffffff;
      transition: transform 0.2s;
    }
    .nav-link-premium:hover {
      color: var(--primary);
      transform: translateX(6px);
      border-bottom-color: rgba(63, 81, 181, 0.32);
    }
    .nav-link-premium:hover i {
      transform: translateX(4px);
      color: white;
    }
    .brand-tagline {
      font-size: 1rem;
      line-height: 1.4;
      opacity: 0.8;
      margin: 1rem 0 1.2rem;
    }
    .highlight-cta {
      background: linear-gradient(135deg, #6d7bd0 0%, #3f51b5 58%, #32408f 100%);
      color: #fff;
      font-weight: 700;
      padding: 12px 24px;
      border-radius: 48px;
      display: inline-flex;
      align-items: center;
      gap: 10px;
      transition: 0.2s;
      text-decoration: none;
      font-size: 1rem;
      border: 1px solid rgba(255, 255, 255, 0.14);
      box-shadow: 0 14px 28px rgba(27, 40, 95, 0.28);
    }
    .highlight-cta:hover {
      background: linear-gradient(135deg, #7a88d8 0%, #4a5fc4 58%, #394aa2 100%);
      color: #fff;
      transform: scale(1.02);
      box-shadow: 0 18px 32px rgba(27, 40, 95, 0.32);
    }
    .statements {
      margin-top: 2rem;
    }
    /* Mobile improvements */
    @media (max-width: 767.98px) {
      .main-header .container {
        padding-left: 12px;
        padding-right: 12px;
        overflow: hidden;
      }
      .main-header .d-flex {
        width: 100%;
        min-width: 0;
        gap: 10px;
      }
      .top-utility-inner {
        padding-top: 0.6rem;
        padding-bottom: 0.6rem;
      }
      .utility-row {
        flex-direction: column;
        align-items: center;
        gap: 0.55rem;
      }
      .utility-contact-group,
      .utility-badge,
      .utility-row-bottom {
        display: none;
      }
      .utility-action-group,
      .utility-link-strip {
        justify-content: center;
      }
      .utility-action-group {
        gap: 0;
      }
      .utility-contact-link,
      .utility-phone-group {
        font-size: 0.82rem;
      }
      .utility-link-strip {
        font-size: 0.76rem;
      }
      .utility-phone-group {
        justify-content: center;
        width: 100%;
      }
      .brand-text {
        font-size: 1.2rem;
      }
      .logo-area {
        flex: 1 1 auto;
        max-width: calc(100% - 52px);
        min-width: 0;
      }
      .header-logo {
        width: 100%;
        max-width: 205px;
        height: 38px;
      }
      .hamburger {
        flex: 0 0 auto;
        margin-left: 0;
        padding: 8px 6px;
      }
      .close-overlay {
        top: 18px;
        right: 20px;
        width: 42px;
        height: 42px;
      }
      .overlay-content {
        padding: 2rem 0.8rem;
      }
      .mega-section-title {
        margin-top: 1rem;
      }
    }
    @media (max-width: 991.98px) {
      .header-desktop-actions {
        display: none;
      }
      .header-logo {
        max-width: 360px;
        height: 55px;
      }
      .utility-row {
        flex-direction: column;
        align-items: center;
      }
      .utility-contact-group,
      .utility-action-group {
        justify-content: center;
      }
      .utility-link-strip {
        justify-content: center;
      }
    }
    @media (min-width: 1200px) {
      .header-logo {
        max-width: 620px;
        height: 70px;
      }
    }

    /* disable body scroll when overlay active */
    body.menu-open {
      overflow: hidden;
    }

    /* custom spacings + extra polish */
    .grid-gap-premium {
      row-gap: 2rem;
    }
    hr {
      background-color: rgba(255,255,255,0.15);
      margin: 1rem 0;
    }
    .footer-overlay-note {
      text-align: center;
      margin-top: 3rem;
      font-size: 0.75rem;
      opacity: 0.5;
    }
    a, button {
      cursor: pointer;
    }
    .no-link-style {
      list-style: none;
    }