/* ===== TOKENS ===== */
:root{
  --midnight:#001628;--navy:#05213D;--teal:#008885;--teal-dark:#007470;
  --yellow:#FFC700;--yellow-light:#FFDB54;--white:#ffffff;
  --off-white:#f5f2ed;--cream:#ede9e1;--gray-light:#e2ddd6;
  --gray:#9a9590;--black:#181818;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Open Sans',sans-serif;background:var(--white);color:var(--black);overflow-x:hidden}
.page{display:none;min-height:100vh}
.page.active{display:block}

/* MOCKUP BADGE */
.mockup-badge{position:fixed;bottom:24px;right:24px;z-index:9999;background:var(--yellow);color:var(--midnight);padding:10px 18px;font-size:10px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;pointer-events:none;box-shadow:0 4px 20px rgba(0,0,0,.25)}

/* ===== NAV ===== */
nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(0,22,40,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.06)}
.nav-inner{max-width:1320px;margin:0 auto;padding:0 48px;height:72px;display:flex;align-items:center;justify-content:space-between}
/* CHANGE 1: Logo without Nassau subtitle */
.nav-logo{display:flex;align-items:center;gap:12px;cursor:pointer;text-decoration:none}
.nav-logo svg{width:32px;height:38px;flex-shrink:0}
.nav-brand{font-family:'Marcellus',serif;font-size:14px;color:var(--white);letter-spacing:.14em;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:8px;list-style:none}
.nav-links a{color:rgba(255,255,255,.7);text-decoration:none;font-size:11px;letter-spacing:.18em;text-transform:uppercase;font-weight:600;padding:7px 16px;cursor:pointer;transition:color .2s;position:relative}
.nav-links a::after{content:'';position:absolute;bottom:0;left:50%;transform:translateX(-50%);width:0;height:1px;background:var(--teal);transition:width .3s}
.nav-links a:hover,.nav-links a.active{color:var(--white)}
.nav-links a:hover::after,.nav-links a.active::after{width:60%}
.nav-links li{position:relative}
.nav-links li:hover .dropdown{opacity:1;pointer-events:auto;transform:translateY(0)}
.dropdown{position:absolute;top:calc(100% + 8px);left:0;background:rgba(0,22,40,.98);border:1px solid rgba(255,255,255,.1);min-width:200px;padding:8px 0;opacity:0;pointer-events:none;transform:translateY(-8px);transition:all .25s;box-shadow:0 16px 48px rgba(0,0,0,.4)}
.dropdown a{padding:10px 20px;display:block;font-size:11px;letter-spacing:.1em;color:rgba(255,255,255,.6);transition:all .2s}
.dropdown a:hover{color:var(--teal);background:rgba(0,136,133,.06);padding-left:26px}
.dropdown a::after{display:none}

/* ===== SHARED FOOTER ===== */
/* CHANGE 6: No wave, year 2026, phone 8717 */
.site-footer{background:var(--midnight);padding:72px 0 36px;position:relative}
.footer-inner{max-width:1320px;margin:0 auto;padding:0 48px}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:56px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.07)}
.footer-brand{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.footer-brand-name{font-family:'Marcellus',serif;font-size:14px;color:var(--white);letter-spacing:.12em;text-transform:uppercase}
.footer-tagline{font-size:13px;color:rgba(255,255,255,.38);line-height:1.85;max-width:260px}
.footer-regulated{display:inline-flex;align-items:center;gap:8px;margin-top:18px;border:1px solid rgba(0,136,133,.3);padding:7px 14px}
.footer-regulated span{font-size:10px;color:rgba(0,136,133,.8);letter-spacing:.15em;text-transform:uppercase}
.footer-col h4{font-size:9.5px;letter-spacing:.3em;text-transform:uppercase;color:var(--teal);font-weight:700;margin-bottom:18px}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer-col ul a{color:rgba(255,255,255,.42);font-size:13px;text-decoration:none;cursor:pointer;transition:color .2s}
.footer-col ul a:hover{color:var(--white)}
.footer-address{font-size:13px;color:rgba(255,255,255,.42);line-height:1.9}
.footer-address strong{color:rgba(255,255,255,.75);display:block;margin-bottom:8px;font-size:14px}
.footer-address a{color:var(--teal);text-decoration:none;transition:color .2s}
.footer-address a:hover{color:var(--yellow)}
.footer-bottom{max-width:1320px;margin:0 auto;padding:24px 48px 0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.footer-bottom p{font-size:11px;color:rgba(255,255,255,.22);letter-spacing:.04em}
.footer-bottom-links{display:flex;gap:20px}
.footer-bottom-links a{font-size:11px;color:rgba(255,255,255,.28);cursor:pointer;text-decoration:none;transition:color .2s}
.footer-bottom-links a:hover{color:var(--teal)}

/* ===== BUTTONS ===== */
.btn-primary{display:inline-flex;align-items:center;gap:10px;background:var(--teal);color:var(--white);padding:14px 36px;border:none;font-family:'Open Sans',sans-serif;font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;font-weight:700;cursor:pointer;transition:all .3s;text-decoration:none}
.btn-primary:hover{background:var(--teal-dark);transform:translateY(-1px)}
.btn-outline{display:inline-flex;align-items:center;gap:10px;background:transparent;color:var(--midnight);padding:13px 36px;border:1.5px solid var(--midnight);font-family:'Open Sans',sans-serif;font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;font-weight:600;cursor:pointer;transition:all .3s;text-decoration:none}
.btn-outline:hover{background:var(--midnight);color:var(--white)}
.btn-outline-white{display:inline-flex;align-items:center;gap:10px;background:transparent;color:var(--white);padding:13px 36px;border:1.5px solid rgba(255,255,255,.5);font-family:'Open Sans',sans-serif;font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;font-weight:600;cursor:pointer;transition:all .3s;text-decoration:none}
.btn-outline-white:hover{background:rgba(255,255,255,.1);border-color:var(--white)}

/* ===== LAYOUT UTILS ===== */
.container{max-width:1320px;margin:0 auto;padding:0 48px}
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:10px;letter-spacing:.35em;text-transform:uppercase;color:var(--teal);font-weight:700;margin-bottom:18px}
.eyebrow::after{content:'';width:32px;height:1px;background:var(--teal)}
h2.section-title{font-family:'Marcellus',serif;font-size:clamp(32px,4vw,56px);color:var(--midnight);text-transform:uppercase;letter-spacing:.04em;line-height:1.05;margin-bottom:20px}
h2.section-title span{color:var(--teal)}
h2.section-title.light{color:var(--white)}
h2.section-title.light span{color:var(--yellow)}

/* ===== INNER PAGE HEADER (Change 7: Bahamas style for all pages) ===== */
/* Gradient from dark left → lighter right with photo showing */
.page-header{position:relative;padding:140px 0 80px;overflow:hidden;background:var(--midnight)}
.page-header-bg{position:absolute;inset:0;background-size:cover;background-position:center;opacity:1}
/* Gradient: dark navy left where text is, fades to show photo on right */
.page-header-overlay{position:absolute;inset:0;background:linear-gradient(to right, rgba(0,22,40,.94) 0%, rgba(0,22,40,.82) 40%, rgba(0,22,40,.45) 70%, rgba(0,22,40,.2) 100%)}
.page-header .container{position:relative;z-index:1}
.breadcrumb{font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:22px;display:flex;gap:8px;align-items:center}
.breadcrumb span{color:var(--yellow)}
.breadcrumb a{color:rgba(255,255,255,.4);text-decoration:none;cursor:pointer;transition:color .2s}
.breadcrumb a:hover{color:var(--yellow)}
/* Titles: white + yellow/teal - no wave separator */
.page-header h1{font-family:'Marcellus',serif;font-size:clamp(40px,6vw,80px);color:var(--white);text-transform:uppercase;letter-spacing:.04em;line-height:1;margin-bottom:20px}
.page-header h1 em{color:var(--yellow);font-style:normal}
.page-header p{font-size:15px;color:rgba(255,255,255,.55);max-width:560px;line-height:1.85;font-weight:300}
.header-rule{width:56px;height:1px;background:var(--yellow);margin:20px 0}

/* ===== REVEAL ===== */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s,transform .7s}
.reveal.visible{opacity:1;transform:none}
.r1{transition-delay:.1s}.r2{transition-delay:.2s}.r3{transition-delay:.3s}.r4{transition-delay:.4s}

/* ===== OFF-WHITE BOX (used across all pages for right-side info boxes) ===== */
/* CHANGE 9: Always off-white, never dark */
.info-box{background:var(--off-white);border-left:3px solid var(--teal);padding:40px 36px}
.info-box h3{font-family:'Marcellus',serif;font-size:17px;color:var(--midnight);text-transform:uppercase;letter-spacing:.06em;margin-bottom:16px}
.info-box p{font-size:14px;color:#4a5568;line-height:1.85;margin-bottom:12px}
.info-box p:last-child{margin-bottom:0}

/* ===== SERVICE LIST ===== */
.svc-list{list-style:none;margin-top:16px}
.svc-list li{display:flex;align-items:flex-start;gap:14px;padding:13px 0;border-bottom:1px solid var(--gray-light);font-size:14px;color:#374151;line-height:1.6;font-weight:400} /* Change 9: not bold */
.svc-list li:last-child{border-bottom:none}
.svc-check{width:22px;height:22px;border-radius:50%;background:rgba(0,136,133,.08);border:1px solid rgba(0,136,133,.25);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.svc-check svg{width:10px;stroke:var(--teal);fill:none}

/* ==========================================================
   HOME PAGE
========================================================== */
/* HERO - Change 2 */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;overflow:hidden}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center 55%}
/* Lighter overlay so photo is more visible */
.hero-overlay{position:absolute;inset:0;background:rgba(0,22,40,.55)}
/* Blue rect behind intro text — left aligned as original */
.hero-content{position:relative;z-index:2;width:100%;max-width:1320px;margin:0 auto;padding:0 48px}
.hero-text-box{
  background:rgba(0,33,61,.82);
  backdrop-filter:blur(6px);
  padding:56px 60px;
  max-width:620px;
  border-left:3px solid var(--yellow);
}
/* Change 2: Remove Nassau kicker */
.hero-h1{font-family:'Marcellus',serif;font-size:clamp(52px,7vw,96px);color:var(--white);text-transform:uppercase;letter-spacing:.03em;line-height:.9;margin-bottom:28px}
.hero-h1 .trust{color:var(--yellow)}
.hero-desc{font-size:15px;color:rgba(255,255,255,.72);line-height:1.9;max-width:480px;font-weight:300}
/* Change 2: No CTA buttons */
.hero-scroll{position:absolute;bottom:40px;left:50%;transform:translateX(-50%);z-index:2;display:flex;flex-direction:column;align-items:center;gap:8px;opacity:0;animation:fadeIn 1.5s ease 1.5s forwards}
.scroll-line{width:1px;height:48px;background:linear-gradient(to bottom,rgba(255,255,255,.5),transparent);animation:scrollPulse 2s ease-in-out infinite}
@keyframes scrollPulse{0%,100%{opacity:.4}50%{opacity:1}}
.scroll-label{font-size:9px;letter-spacing:.3em;text-transform:uppercase;color:rgba(255,255,255,.35)}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}

/* STATS - Change 3: no big grey bars, small navy dividers */
.stats-bar{background:var(--midnight)}
.stats-inner{max-width:1320px;margin:0 auto;padding:0 48px;display:grid;grid-template-columns:repeat(4,1fr)}
.stat-item{padding:52px 24px;text-align:center;position:relative}
/* Small dark navy dividers */
.stat-item+.stat-item::before{content:'';position:absolute;left:0;top:50%;transform:translateY(-50%);width:1px;height:40%;background:rgba(255,255,255,.08)}
.stat-num{font-family:'Marcellus',serif;font-size:52px;color:var(--yellow);line-height:1;margin-bottom:8px}
.stat-label{font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:rgba(255,255,255,.38);font-weight:600}

/* SERVICES HOME — same midnight bg as stats bar, teal fill on hover (annexe 9 style) */
.services-home{background:var(--midnight);padding:100px 0}
.svc-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;margin-top:48px}
.svc-card{background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.07);padding:44px 36px;cursor:pointer;transition:all .35s;position:relative;overflow:hidden}
.svc-card:hover{background:var(--teal-dark);border-color:var(--teal)}
.svc-card h3{font-family:'Marcellus',serif;font-size:19px;color:var(--white);text-transform:uppercase;letter-spacing:.07em;margin-bottom:14px}
.svc-card p{font-size:13.5px;color:rgba(255,255,255,.48);line-height:1.8;margin-bottom:28px;transition:color .3s}
.svc-card:hover p{color:rgba(255,255,255,.75)}
.svc-link{display:inline-flex;align-items:center;gap:8px;color:var(--teal);font-size:10.5px;letter-spacing:.22em;text-transform:uppercase;font-weight:700;transition:all .3s;cursor:pointer}
.svc-card:hover .svc-link{gap:16px;color:var(--yellow)}

/* ABOUT HOME */
.about-home{display:grid;grid-template-columns:1fr 1fr}
.about-img{position:relative;overflow:hidden;min-height:520px;background-size:cover;background-position:center}
.about-img-overlay{position:absolute;inset:0;background:linear-gradient(to right,transparent 50%,var(--off-white) 100%)}
.about-text{background:var(--off-white);padding:88px 72px;display:flex;flex-direction:column;justify-content:center}
.value-row{display:flex;gap:18px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--gray-light)}
.value-row:last-of-type{border-bottom:none}
.val-icon{width:32px;height:32px;border-radius:50%;background:rgba(0,136,133,.1);border:1px solid rgba(0,136,133,.2);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.val-icon svg{width:12px;stroke:var(--teal);fill:none}
.val-title{font-size:12px;color:var(--midnight);font-weight:700;letter-spacing:.05em;text-transform:uppercase;margin-bottom:3px}
.val-desc{font-size:13px;color:var(--gray);line-height:1.65}

/* BAHAMAS SECTION - Change 5 */
/* Solid dark navy background, no photo */
.bahamas-section{background:var(--midnight);padding:100px 0;position:relative}
.bahamas-inner{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
/* Change 5: All caps, no quote marks */
.bahamas-quote{font-family:'Marcellus',serif;font-size:clamp(28px,3.5vw,46px);color:var(--white);text-transform:uppercase;letter-spacing:.04em;line-height:1.15;margin-bottom:24px}
.bahamas-quote span{color:var(--yellow)}
.bahamas-points{display:flex;flex-direction:column;gap:10px}
.bahamas-pt{display:flex;align-items:center;gap:12px;font-size:13.5px;color:rgba(255,255,255,.65)}
.bahamas-pt::before{content:'';width:6px;height:1px;background:var(--teal);flex-shrink:0}

/* CTA BAND - Change 5: Remove "Ready to protect..." and button — just the teal wave bg */
.cta-band{background:var(--teal-dark);padding:0;position:relative;overflow:hidden}
.cta-wave-texture{
  width:100%;height:80px;
  background:repeating-linear-gradient(
    -45deg,
    transparent,transparent 10px,
    rgba(255,255,255,.04) 10px,rgba(255,255,255,.04) 11px
  );
}

/* ==========================================================
   SERVICES PAGE
========================================================== */
.services-page-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
/* Change 8: No numbers, teal shadow on hover, fix button alignment */
.svc-page-card{background:var(--white);border:1px solid var(--gray-light);padding:44px 36px;cursor:pointer;transition:all .35s;display:flex;flex-direction:column}
.svc-page-card:hover{box-shadow:0 8px 40px rgba(0,136,133,.18);border-color:rgba(0,136,133,.3);transform:translateY(-3px)}
.svc-page-card h3{font-family:'Marcellus',serif;font-size:18px;color:var(--midnight);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px}
.svc-page-card p{font-size:13.5px;color:#6b7280;line-height:1.8;margin-bottom:auto;padding-bottom:28px}
.svc-page-link{display:inline-flex;align-items:center;gap:8px;color:var(--teal);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;font-weight:700;margin-top:auto;transition:gap .25s;cursor:pointer}
.svc-page-card:hover .svc-page-link{gap:16px}

/* ==========================================================
   TRUST SERVICES PAGE
========================================================== */
.content-section{padding:96px 0}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start}
/* PTC STRUCTURE - Change 10 */
.ptc-structure-wrap{background:#fff;padding:56px;margin-top:56px;border:1px solid var(--gray-light)}
.ptc-flow{display:flex;flex-direction:column;align-items:center;gap:0}
.ptc-row{display:flex;justify-content:center;gap:20px;flex-wrap:wrap}
/* Change 10: No rounded corners */
.ptc-box{background:var(--navy);border:1px solid rgba(0,136,133,.4);padding:14px 20px;text-align:center;min-width:160px;border-radius:0}
.ptc-box.gold{background:var(--midnight);border-color:rgba(255,199,0,.4)}
.ptc-box.teal{background:rgba(0,116,112,.2);border-color:var(--teal)}
.ptc-box-label{font-size:9.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--teal);font-weight:700;margin-bottom:4px}
.ptc-box.gold .ptc-box-label{color:var(--yellow)}
.ptc-box-value{font-size:11.5px;color:rgba(255,255,255,.55);line-height:1.4}
.ptc-box.teal .ptc-box-value,.ptc-box .ptc-box-value-bold{color:rgba(255,255,255,.85)}
.ptc-arrow{width:1px;height:24px;background:rgba(0,136,133,.35);margin:0 auto}
.ptc-assets{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-top:12px}
.ptc-asset{background:rgba(0,22,40,.06);border:1px solid rgba(0,22,40,.12);padding:7px 16px;font-size:10px;color:var(--midnight);text-transform:uppercase;letter-spacing:.1em;border-radius:0}

/* BENEFITS GRID — fixed height, no layout shift, opacity-only on hover */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--gray-light);margin-top:48px}
.benefit-card{background:var(--off-white);padding:32px 28px;cursor:default;transition:background .3s;position:relative;min-height:220px}
.benefit-card:hover{background:var(--midnight)}
.benefit-icon-wrap{width:36px;height:36px;border-radius:50%;background:rgba(0,136,133,.1);border:1px solid rgba(0,136,133,.2);display:flex;align-items:center;justify-content:center;margin-bottom:14px;transition:background .3s,border-color .3s;flex-shrink:0}
.benefit-card:hover .benefit-icon-wrap{background:rgba(255,199,0,.12);border-color:rgba(255,199,0,.4)}
.benefit-icon-wrap svg{width:14px;stroke:var(--teal);fill:none;transition:stroke .3s}
.benefit-card:hover .benefit-icon-wrap svg{stroke:var(--yellow)}
.benefit-title{font-family:'Marcellus',serif;font-size:15px;color:var(--midnight);text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px;transition:color .3s}
.benefit-card:hover .benefit-title{color:var(--yellow)}
/* Always in DOM at full height, opacity-only transition — no height change */
.benefit-detail{font-size:12.5px;color:#6b7280;line-height:1.7;opacity:0;transition:opacity .35s;margin-top:2px}
.benefit-card:hover .benefit-detail{opacity:1;color:rgba(255,255,255,.65)}

/* ==========================================================
   ABOUT / TEAM PAGE - Change 13
========================================================== */
/* Left-aligned, sub-nav for About pages, square+bigger icons, no LinkedIn, no email */
.about-subnav{display:flex;gap:2px;margin-bottom:48px}
.about-subnav-btn{padding:10px 24px;border:1px solid var(--gray-light);background:var(--white);color:var(--gray);font-size:11px;letter-spacing:.15em;text-transform:uppercase;font-weight:600;cursor:pointer;transition:all .25s}
.about-subnav-btn.active,.about-subnav-btn:hover{background:var(--teal);color:var(--white);border-color:var(--teal)}
.team-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:40px}
.team-card{background:var(--white);border:1px solid var(--gray-light);padding:40px 32px;cursor:pointer;transition:all .35s;position:relative}
/* Same teal shadow hover as services page cards (annexe 13) */
.team-card:hover{box-shadow:0 8px 40px rgba(0,136,133,.18);border-color:rgba(0,136,133,.3);transform:translateY(-3px)}
/* Square avatar - Change 13 */
.team-avatar{width:80px;height:80px;background:var(--teal);display:flex;align-items:center;justify-content:center;font-family:'Marcellus',serif;font-size:22px;color:var(--white);margin-bottom:20px;border-radius:0;flex-shrink:0}
.team-name{font-family:'Marcellus',serif;font-size:16px;color:var(--midnight);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}
.team-role{font-size:11px;color:var(--teal);letter-spacing:.14em;text-transform:uppercase;font-weight:600}
/* Bio - shown on click */
.team-bio{display:none;margin-top:16px;padding-top:16px;border-top:1px solid var(--gray-light);font-size:13px;color:#4a5568;line-height:1.8}
.team-card.open .team-bio{display:block}

/* ==========================================================
   COMPANY PAGE
========================================================== */
/* Uses two-col layout + info-box */

/* ==========================================================
   BAHAMAS PAGE
========================================================== */
.compare-grid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--gray-light);margin-top:48px}
.compare-col{padding:40px 32px;border-right:1px solid var(--gray-light)}
.compare-col:last-child{border-right:none;background:var(--midnight)}
.compare-col h3{font-family:'Marcellus',serif;font-size:17px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:20px;color:var(--midnight)}
.compare-col:last-child h3{color:var(--yellow)}
.compare-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.compare-col ul li{font-size:13.5px;color:#6b7280;display:flex;gap:10px;line-height:1.5}
.compare-col ul li::before{content:'';width:5px;height:5px;border-radius:50%;background:var(--gray-light);flex-shrink:0;margin-top:6px}
.compare-col:last-child ul li{color:rgba(255,255,255,.62)}
.compare-col:last-child ul li::before{background:var(--teal)}
.features-row{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;margin-top:48px}
.feat-item{text-align:center;padding:28px 12px;background:var(--off-white)}
.feat-icon{width:52px;height:52px;border-radius:50%;background:rgba(0,136,133,.08);border:1px solid rgba(0,136,133,.18);margin:0 auto 14px;display:flex;align-items:center;justify-content:center}
.feat-icon svg{width:20px;stroke:var(--teal);fill:none}
.feat-item h4{font-family:'Marcellus',serif;font-size:13px;color:var(--midnight);text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px}
.feat-item p{font-size:12px;color:var(--gray);line-height:1.6}

/* ==========================================================
   CONTACT PAGE - Change 14+15
========================================================== */
.contact-layout{display:grid;grid-template-columns:1fr 1.4fr;gap:64px;align-items:start;padding:80px 0 0}
.contact-info-side h1{font-family:'Marcellus',serif;font-size:clamp(32px,4.5vw,52px);color:var(--midnight);text-transform:uppercase;letter-spacing:.04em;line-height:1;margin-bottom:6px}
.contact-info-side h1 em{color:var(--teal);font-style:normal;display:block}
.contact-rule{width:48px;height:1px;background:var(--teal);margin:22px 0}
.contact-det{display:flex;gap:16px;align-items:flex-start;margin-bottom:24px}
.det-icon{width:38px;height:38px;border:1px solid rgba(0,136,133,.25);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.det-icon svg{width:15px;stroke:var(--teal);fill:none}
.det-label{font-size:9.5px;letter-spacing:.25em;text-transform:uppercase;color:var(--teal);font-weight:700;margin-bottom:4px}
.det-value{font-size:13.5px;color:#374151;line-height:1.7}
.det-value a{color:var(--teal);text-decoration:none}
/* Map full width - Change 15 */
.map-placeholder{width:100%;height:200px;background:var(--off-white);border:1px solid var(--gray-light);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;margin-top:28px}
.map-placeholder svg{width:28px;stroke:rgba(0,0,0,.2);fill:none}
.map-placeholder p{font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray)}
/* CONTACT FORM */
.contact-form-side{}
/* Change 14: "READY TO PROTECT WHAT MATTERS THE MOST?" */
.form-header-eyebrow{font-size:9.5px;letter-spacing:.3em;text-transform:uppercase;color:var(--teal);font-weight:700;margin-bottom:8px;display:flex;align-items:center;gap:10px}
.form-header-eyebrow::after{content:'';width:28px;height:1px;background:var(--teal)}
.form-title{font-family:'Marcellus',serif;font-size:clamp(22px,3vw,34px);color:var(--midnight);text-transform:uppercase;letter-spacing:.03em;line-height:1.05;margin-bottom:32px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-group{margin-bottom:18px}
.form-group label{display:block;font-size:9.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--midnight);font-weight:700;margin-bottom:7px}
.form-group input,.form-group textarea{width:100%;background:var(--off-white);border:1px solid var(--gray-light);padding:13px 16px;font-family:'Open Sans',sans-serif;font-size:14px;color:var(--midnight);outline:none;transition:border-color .25s;border-radius:0}
.form-group input:focus,.form-group textarea:focus{border-color:var(--teal);background:var(--white)}
.form-group input::placeholder,.form-group textarea::placeholder{color:var(--gray);font-size:13px}
.form-group textarea{min-height:130px;resize:vertical}
/* Change 14: Subject as text input (not select) */
.form-submit{width:100%;background:var(--teal);color:var(--white);padding:16px;border:none;font-family:'Open Sans',sans-serif;font-size:11px;letter-spacing:.22em;text-transform:uppercase;font-weight:700;cursor:pointer;transition:background .3s;margin-top:8px}
.form-submit:hover{background:var(--teal-dark)}
/* GDPR */
.form-gdpr{display:flex;gap:10px;align-items:flex-start;margin-top:4px}
.form-gdpr input{margin-top:3px;accent-color:var(--teal);flex-shrink:0}
.form-gdpr label{font-size:12px;color:var(--gray);line-height:1.6;cursor:pointer}
.form-gdpr a{color:var(--teal);text-decoration:none;cursor:pointer}

/* LEGAL PAGES */
.legal-body{max-width:860px;margin:0 auto;padding:80px 0}
.legal-body h2{font-family:'Marcellus',serif;font-size:22px;color:var(--midnight);text-transform:uppercase;letter-spacing:.04em;margin:40px 0 14px}
.legal-body p{font-size:14px;color:#4a5568;line-height:1.95;margin-bottom:12px}

/* RESPONSIVE */
@media(max-width:1024px){
  .hero-text-box{max-width:100%}
  .stats-inner,.svc-cards,.svc-page-cards,.services-page-cards{grid-template-columns:1fr 1fr}
  .two-col,.about-home,.bahamas-inner,.compare-grid,.features-row,.contact-layout{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr;gap:32px}
  .benefits-grid{grid-template-columns:1fr 1fr}
  .team-grid{grid-template-columns:1fr}
  .nav-inner{padding:0 24px}
  .container{padding:0 24px}
  .footer-inner,.footer-bottom{padding:0 24px}
}