:root{
  --navy:#101a2f; --navy-2:#1b2942; --amber:#c8912f; --amber-lt:#e8b45c;
  --cream:#fbf8f2; --ink:#1a1a1a; --muted:#5c6270; --line:#e4ded2; --white:#fff;
  --radius:14px; --shadow:0 10px 30px rgba(16,26,47,.10);
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;max-width:100%;overflow-x:hidden}
body{font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.7;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--amber)}
h1,h2,h3{font-family:Fraunces,Georgia,serif;line-height:1.15;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.35rem)}
h2{font-size:clamp(1.5rem,2.8vw,2.1rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{width:min(1180px,92vw);margin:0 auto}
.narrow{width:min(820px,92vw)}
.center{text-align:center}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:999}

/* header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.topbar{background:var(--navy);color:#dfe3ec;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding:7px 0;flex-wrap:wrap}
.topbar a{color:var(--amber-lt);font-weight:600}
.headrow{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0}
.brand{display:flex;align-items:center;gap:10px}
.brand span{display:flex;flex-direction:column;line-height:1.15}
.brand strong{font-family:Fraunces,serif;font-size:1.25rem;color:var(--navy)}
.brand em{font-style:normal;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--amber)}
.mainnav ul{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.navlink{display:inline-flex;align-items:center;gap:6px;padding:9px 11px;font-size:.92rem;font-weight:500;color:var(--navy);background:none;border:0;font-family:inherit;cursor:pointer}
.navlink:hover{color:var(--amber)}
.has-menu{position:relative}
.mainnav .menu{position:absolute;top:100%;left:0;align-items:stretch;gap:0;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;display:none;flex-direction:column}
.menu li{list-style:none}
.menu a{display:block;padding:8px 10px;font-size:.9rem;border-radius:8px}
.menu a:hover{background:var(--cream)}
.mainnav .has-menu.open>.menu{display:flex}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:10px;cursor:pointer;position:relative;z-index:1}
.caret{display:inline-block;font-size:.65rem;line-height:1;transition:transform .2s ease;flex:0 0 auto}
.has-menu.open>.navlink .caret{transform:rotate(180deg)}
.navbackdrop{position:fixed;inset:0;background:rgba(16,26,47,.45);border:0;padding:0;opacity:0;pointer-events:none;transition:opacity .25s;z-index:99}
.navbackdrop.show{opacity:1;pointer-events:auto}
.navclose{display:none}
.burger span{width:24px;height:2px;background:var(--navy);display:block}

/* buttons */
.btn{display:inline-block;padding:12px 20px;border-radius:999px;font-weight:600;font-size:.95rem;border:2px solid transparent;transition:.2s;cursor:pointer;font-family:inherit;text-align:center}
.btn-primary{background:var(--amber);color:#1a1200;border-color:var(--amber)}
.btn-primary:hover{background:var(--amber-lt);color:#1a1200}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-ghost{border-color:var(--line);color:var(--navy)}
.btn-lg{padding:14px 26px;font-size:1rem}
.btn-block{display:block;width:100%;margin-bottom:8px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0}

/* hero */
.hero{background:linear-gradient(150deg,var(--navy) 0%,var(--navy-2) 60%,#26344f 100%);color:#f4f1ea;padding:64px 0}
.hero h1{color:#fff}
.hero .lede{color:#d7dce7}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.hero figure{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:0 24px 50px rgba(0,0,0,.35)}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.75rem;color:var(--amber-lt);font-weight:600}
.lede{font-size:1.1rem;color:var(--muted)}
.hero-points{list-style:none;padding:0;margin:14px 0 0;display:flex;gap:20px;flex-wrap:wrap;font-size:.9rem;color:#cfd6e3}
.hero-points li::before{content:"✦ ";color:var(--amber-lt)}
.subhero{background:var(--cream);padding:52px 0 40px;border-bottom:1px solid var(--line)}
.crumbs{font-size:.82rem;color:var(--muted);padding:14px 0}
.crumbs .sep{opacity:.5}

/* sections */
.section{padding:60px 0}
.section.alt{background:var(--cream)}
.split{display:grid;grid-template-columns:1.35fr .65fr;gap:40px;align-items:start}
.split figure{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.split.reverse{grid-template-columns:1fr 1fr}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;margin-top:26px}
.cards.two{grid-template-columns:repeat(auto-fill,minmax(230px,1fr))}
.cards.three{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 2px 10px rgba(16,26,47,.05);transition:.2s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--amber)}
.card p{color:var(--muted);font-size:.95rem;margin-bottom:.6em}
.more{color:var(--amber);font-weight:600;font-size:.88rem}
.quote{margin:0}
.quote p{font-size:1rem;color:var(--ink)}
.quote footer{display:flex;flex-direction:column;font-size:.85rem;color:var(--muted)}
.pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.pills a{background:#fff;border:1px solid var(--line);padding:9px 16px;border-radius:999px;font-size:.9rem}
.pills a:hover{border-color:var(--amber);background:var(--cream)}
.ticks{list-style:none;padding:0}
.ticks li{padding-left:26px;position:relative;margin-bottom:8px}
.ticks li::before{content:"✓";position:absolute;left:0;color:var(--amber);font-weight:700}
.steps{padding-left:20px}
.steps li{margin-bottom:10px}
.sidebar{display:flex;flex-direction:column;gap:20px}
.sidebar figure{margin:0;border-radius:var(--radius);overflow:hidden}
.box{background:var(--cream);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.box ul{padding-left:18px;margin:0}
.box li{margin-bottom:6px;font-size:.93rem}
.biglink{font-family:Fraunces,serif;font-size:1.5rem;color:var(--navy)}
.prose h2{margin-top:1.4em}
.sitemap{columns:2;list-style:none;padding:0}
.sitemap li{margin-bottom:8px;break-inside:avoid}

/* faq */
.faq details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}
.faq p{margin:10px 0 0;color:var(--muted)}

/* form */
.quote-form{background:var(--cream);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.field{margin-bottom:14px;display:flex;flex-direction:column}
.field label{font-size:.85rem;font-weight:600;margin-bottom:5px}
input,select,textarea{font-family:inherit;font-size:1rem;padding:11px 13px;border:1px solid var(--line);border-radius:10px;background:#fff;width:100%}
input:focus,select:focus,textarea:focus{outline:2px solid var(--amber);border-color:var(--amber)}
.formnote{margin-top:12px;font-weight:600;color:#1c6b3a}

/* cta band + footer */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;text-align:center;padding:56px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#cfd6e3}
.cta-band .cta-row{justify-content:center}
.cta-band .btn-outline{border-color:#fff;color:#fff}
.cta-band .btn-outline:hover{background:#fff;color:var(--navy)}
.site-footer{background:#0b1324;color:#b9c2d4;padding:52px 0 20px;font-size:.92rem}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:.7em}
.site-footer a{color:#b9c2d4}
.site-footer a:hover{color:var(--amber-lt)}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:7px}
.grid-4{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.footbrand strong{color:#fff}
.legal{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:16px;font-size:.82rem}
.mobile-call{display:none}

@media (max-width:960px){
  /* backdrop-filter would trap the fixed mobile drawer inside the header box */
  .site-header{backdrop-filter:none;background:#fff}
  .hero-grid,.split,.split.reverse{grid-template-columns:1fr}
  .grid-4{grid-template-columns:1fr 1fr}
  .burger{display:flex}
  .mainnav{position:fixed;top:0;right:0;bottom:0;left:auto;width:min(340px,88vw);max-width:100vw;background:#fff;transform:translateX(105%);transition:transform .25s ease,visibility .25s;visibility:hidden;overflow-y:auto;-webkit-overflow-scrolling:touch;padding:64px 18px 90px;box-shadow:-10px 0 40px rgba(0,0,0,.18);z-index:120}
  .mainnav.open{transform:translateX(0);visibility:visible}
  .mainnav ul{flex-direction:column;align-items:stretch;gap:2px;width:100%}
  .mainnav li{width:100%}
  .navlink{width:100%;justify-content:space-between;text-align:left;padding:13px 8px;border-bottom:1px solid var(--line)}
  .mainnav .menu{position:static;display:none;box-shadow:none;border:0;border-radius:0;min-width:0;width:100%;padding:4px 0 8px 12px;background:transparent}
  .menu a{padding:10px 8px;font-size:.9rem}
  .mainnav .has-menu.open>.menu{display:flex}
  .navcta .btn{width:100%;margin-top:8px;text-align:center;justify-content:center}
  .navclose{display:inline-flex;align-items:center;justify-content:center;position:absolute;top:12px;right:12px;width:40px;height:40px;font-size:1.4rem;line-height:1;background:none;border:1px solid var(--line);border-radius:10px;color:var(--navy);cursor:pointer;z-index:2}
  body.nav-open{overflow:hidden}
  .mobile-call{display:block;position:fixed;left:0;right:0;bottom:0;z-index:110;background:var(--amber);color:#1a1200;text-align:center;padding:13px;font-weight:700}
  body{padding-bottom:52px}
}
@media (max-width:600px){
  .grid-4,.sitemap{grid-template-columns:1fr;columns:1}
  .section{padding:44px 0}
  .cta-row .btn{width:100%}
}