:root{
  --navy:#12305a;
  --navy-deep:#0b2144;
  --blue:#1f6fb8;
  --sky:#86c5ef;
  --sky-soft:#e8f3fc;
  --ink:#16243a;
  --muted:#4e5d73;
  --line:#d8e4ef;
  --bg:#ffffff;
  --bg-alt:#f4f8fc;
  --gold:#c9a227;
  --radius:14px;
  --shadow:0 10px 30px rgba(18,48,90,.10);
  --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Lato",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:"Montserrat","Lato",sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.6vw,3.3rem);font-weight:800;letter-spacing:-.01em}
h2{font-size:clamp(1.55rem,3vw,2.25rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px}

/* Top strip */
.strip{background:var(--navy-deep);color:#dfe9f5;font-size:.86rem}
.strip .wrap{display:flex;gap:16px;justify-content:space-between;align-items:center;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.strip a{color:#fff;text-decoration:none;font-weight:700}
.strip .stars{color:var(--sky);letter-spacing:3px}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand svg{flex:0 0 auto}
.brand b{display:block;font-family:"Montserrat",sans-serif;font-weight:800;font-size:1.08rem;letter-spacing:.06em;line-height:1.1}
.brand small{display:block;color:var(--muted);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700}
.nav{display:flex;align-items:center;gap:4px}
.nav a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.93rem;padding:8px 10px;border-radius:8px}
.nav a:hover,.nav a[aria-current="page"]{color:var(--blue);background:var(--sky-soft)}
.nav .btn{margin-left:8px}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit;font-weight:700;color:var(--navy)}
@media (max-width:1020px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav a{padding:12px 10px}
  .nav .btn{margin:8px 0 0;text-align:center}
}

/* Buttons */
.btn{display:inline-block;background:var(--blue);color:#fff !important;text-decoration:none;font-weight:800;padding:13px 22px;border-radius:999px;border:0;cursor:pointer;font-family:inherit;font-size:1rem;line-height:1.2;transition:background .15s, transform .15s}
.btn:hover{background:var(--navy);transform:translateY(-1px)}
.btn-navy{background:var(--navy)}
.btn-navy:hover{background:var(--blue)}
.btn-ghost{background:transparent;color:var(--navy) !important;border:2px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff !important}
.btn-light{background:#fff;color:var(--navy) !important}
.btn-light:hover{background:var(--sky);}

/* Hero */
.hero{position:relative;background:linear-gradient(180deg,#fff 0%,var(--bg-alt) 100%);overflow:hidden}
.hero::after{content:"";position:absolute;top:0;right:0;width:230px;height:230px;background:linear-gradient(225deg,var(--navy) 0 48%,var(--sky) 48% 55%,transparent 55%);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;padding-top:56px;padding-bottom:60px;position:relative;z-index:1}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:.8rem;color:var(--blue);margin-bottom:14px}
.eyebrow .st{color:var(--navy);letter-spacing:4px}
.hero h1 .hl{color:var(--blue)}
.hero .lead{font-size:1.18rem;color:var(--muted);max-width:36em}
.hero .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 18px}
.hero-photo{border-radius:18px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line);position:relative}
.hero-photo figcaption{position:absolute;left:0;right:0;bottom:0;background:rgba(11,33,68,.92);color:#fff;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:14px 22px;font-size:.95rem}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin:0;padding:0;list-style:none;font-weight:700;color:var(--navy);font-size:.95rem}
.trust li::before{content:"\2605";color:var(--blue);margin-right:7px}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr;padding-top:30px}.hero::after{display:none}}
@media (max-width:700px){.strip .wrap>span:first-child{display:none}.strip .wrap{justify-content:center}}

/* Page hero */
.page-hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.page-hero::after{content:"\2605  \2605  \2605";position:absolute;right:24px;top:18px;color:var(--sky);letter-spacing:6px;opacity:.8}
.page-hero .wrap{padding-top:52px;padding-bottom:48px}
.page-hero h1{color:#fff;max-width:20em}
.page-hero p{color:#d6e4f3;font-size:1.15rem;max-width:44em;margin:0}
.crumbs{font-size:.85rem;margin-bottom:14px;color:#b9cde4}
.crumbs a{color:#fff}

/* Sections */
section{padding:68px 0}
.alt{background:var(--bg-alt)}
.navy-band{background:var(--navy);color:#e5eef8}
.navy-band h2,.navy-band h3{color:#fff}
.section-head{max-width:760px;margin-bottom:34px}
.section-head p{color:var(--muted);font-size:1.08rem}
.navy-band .section-head p{color:#c9dbef}
.rule{width:110px;height:6px;border-radius:6px;background:var(--sky);margin:6px 0 18px}

.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 2px 0 rgba(18,48,90,.03)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.card .ic{width:52px;height:52px;border-radius:14px;background:var(--sky-soft);display:grid;place-items:center;margin-bottom:14px;color:var(--navy)}
.navy-band .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.16);color:#e5eef8}

/* Steps */
.steps{list-style:none;margin:0;padding:0;counter-reset:s;display:grid;gap:16px}
.steps li{counter-increment:s;display:grid;grid-template-columns:56px 1fr;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px}
.steps li::before{content:counter(s);width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-family:"Montserrat",sans-serif;display:grid;place-items:center;font-size:1.15rem;border:3px solid var(--sky)}
.steps h3{margin:4px 0 .3em}
.steps p{margin:0;color:var(--muted)}

/* Checklist */
.checklist{list-style:none;margin:0;padding:0;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.checklist li{padding:14px 18px 14px 52px;border-bottom:1px solid var(--line);position:relative}
.checklist li:last-child{border-bottom:0}
.checklist li::before{content:"";position:absolute;left:18px;top:17px;width:20px;height:20px;border:2px solid var(--navy);border-radius:5px}

/* Compare table */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{width:100%;border-collapse:collapse;min-width:560px}
th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-family:"Montserrat",sans-serif;font-size:.95rem}
tr:last-child td{border-bottom:0}
td:first-child{font-weight:700;color:var(--navy)}

/* Callouts */
.note{border-left:5px solid var(--sky);background:var(--sky-soft);padding:16px 20px;border-radius:0 10px 10px 0;margin:22px 0;color:var(--ink)}
.note strong{color:var(--navy)}
.disclaimer{font-size:.88rem;color:var(--muted)}

/* Prose */
.prose{max-width:780px}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.3em}
.prose ul{padding-left:1.2em}
.prose li{margin:.35em 0}
.two-col{display:grid;grid-template-columns:1fr 340px;gap:48px;align-items:start}
.sidebar{position:static}
@media (max-width:980px){.two-col{grid-template-columns:1fr}.sidebar{position:static}}

/* Guide CTA band */
.guide-band .wrap{display:grid;grid-template-columns:300px 1fr;gap:44px;align-items:center}
.guide-band img{border-radius:8px;box-shadow:0 22px 40px rgba(0,0,0,.35);transform:rotate(-2deg)}
@media (max-width:820px){.guide-band .wrap{grid-template-columns:1fr}.guide-band img{max-width:230px}}
.ticks{list-style:none;padding:0;margin:0 0 22px}
.ticks li{padding-left:30px;position:relative;margin:.5em 0}
.ticks li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--sky);font-weight:900}
.alt .ticks li::before,.card .ticks li::before{color:var(--blue)}

/* Form */
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow);color:var(--ink)}
.form-card h2,.form-card h3{margin-bottom:.3em}
.form-card .sub{color:var(--muted);margin-bottom:18px}
.field{margin-bottom:14px}
.field label{display:block;font-weight:700;font-size:.93rem;margin-bottom:5px;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1.5px solid #b9c9da;border-radius:10px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px rgba(31,111,184,.18)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:520px){.row2{grid-template-columns:1fr}}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted);margin:6px 0 16px}
.consent input{margin-top:4px;width:18px;height:18px;flex:0 0 auto}
.form-card .btn{width:100%;padding:15px}
.hp{position:absolute;left:-5000px}
.req{color:#b42318}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:800;color:var(--navy);padding:18px 0;list-style:none;font-family:"Montserrat",sans-serif;font-size:1.02rem;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--blue)}
.faq details[open] summary::after{content:"\2212"}
.faq details>div{padding:0 0 18px;color:var(--muted)}

/* Glossary */
.gloss{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.gloss div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.gloss dt{font-weight:800;color:var(--navy);font-family:"Montserrat",sans-serif}
.gloss dd{margin:4px 0 0;color:var(--muted);font-size:.96rem}
@media (max-width:640px){.gloss{grid-template-columns:1fr}}

/* Base list */
.base{border-top:4px solid var(--navy)}
.base small{display:block;color:var(--blue);font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:.75rem;margin-bottom:4px}

/* Network */
.network a.card{text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.network a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.network .go{font-weight:800;color:var(--blue)}

/* CTA strip */
.cta-strip{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;text-align:center}
.cta-strip h2{color:#fff}
.cta-strip p{color:#cfe0f2;max-width:40em;margin:0 auto 22px}
.cta-strip .btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* Footer */
.site-footer{background:var(--navy-deep);color:#c3d3e6;font-size:.93rem}
.site-footer .wrap{padding-top:52px;padding-bottom:26px}
.site-footer h4{color:#fff;font-size:.95rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:.45em 0}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:20px;font-size:.82rem;color:#9fb4cc}
.legal p{margin:.4em 0}
.eho{display:inline-flex;align-items:center;gap:8px}

/* Sticky mobile call bar */
.mobile-bar{display:none}
@media (max-width:700px){
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;box-shadow:0 -4px 18px rgba(0,0,0,.15)}
  .mobile-bar a{padding:14px;text-align:center;font-weight:800;text-decoration:none;color:#fff;background:var(--navy)}
  .mobile-bar a+a{background:var(--blue)}
  body{padding-bottom:52px}
}
@media print{.site-header,.strip,.mobile-bar,.site-footer,.cta-strip{display:none}}
section.hero,section.page-hero{padding:0}

/* Agent headshot */
.agent-intro{display:flex;gap:20px;align-items:center;background:var(--bg-alt);border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin-bottom:22px}
.agent-intro img{width:120px;height:150px;object-fit:cover;object-position:center top;border-radius:12px;border:3px solid #fff;box-shadow:0 6px 16px rgba(18,48,90,.18);flex:0 0 auto}
.agent-intro img.round{width:96px;height:96px;border-radius:50%}
.agent-intro p{margin:0 0 4px}
.agent-intro .btn{margin-top:8px;padding:10px 18px;font-size:.92rem}
.agent-name{font-family:"Montserrat",sans-serif;font-weight:800;color:var(--navy);font-size:1.15rem}
.agent-role{color:var(--muted);font-size:.93rem}
img.round{border-radius:50%;object-fit:cover}
.portrait{margin:0 0 26px;max-width:340px}
.portrait img{border-radius:16px;box-shadow:var(--shadow);border:1px solid var(--line)}
.portrait figcaption{font-size:.85rem;color:var(--muted);margin-top:8px;font-weight:700}
@media (max-width:420px){.agent-intro{flex-direction:column;align-items:flex-start}}
@media (min-width:700px){.portrait{float:right;max-width:260px;margin:6px 0 18px 28px}}
.prose h2:first-of-type{margin-top:0}
.agent-side{display:flex;gap:16px;align-items:flex-start}
.agent-side img{width:88px;height:88px;flex:0 0 auto;border:3px solid var(--sky-soft)}
.agent-side h3{margin-top:4px}
.agent-side .btn{padding:10px 16px;font-size:.9rem}

/* Services page */
.svc-jump{padding:22px 0;border-bottom:1px solid var(--line);background:#fff}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips a{display:inline-block;padding:9px 16px;border-radius:999px;border:1.5px solid var(--line);text-decoration:none;font-weight:800;color:var(--navy);font-size:.92rem;background:var(--bg-alt)}
.chips a:hover{border-color:var(--blue);color:var(--blue)}
.card.svc .ticks{margin:0}
.card.svc .ticks li{font-size:.97rem;color:var(--ink)}
section[id]{scroll-margin-top:90px}
@media (max-width:1180px) and (min-width:1021px){.nav a{padding:8px 7px;font-size:.88rem}}
.brand-photo{width:48px;height:48px;border-radius:50%;object-fit:cover;border:2px solid var(--sky);flex:0 0 auto}
@media (max-width:520px){.brand-photo{width:42px;height:42px}}

/* Services jump tiles */
.svc-jump{padding:0 0 8px;background:linear-gradient(180deg,var(--navy) 0 46px,#fff 46px);border-bottom:0}
.jump-tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px;box-shadow:var(--shadow);position:relative;top:-6px}
.jump-tiles a{display:flex;align-items:center;gap:14px;padding:14px 16px;border-radius:14px;border:1.5px solid var(--line);background:var(--bg-alt);text-decoration:none;color:var(--ink);transition:border-color .15s,background .15s,transform .15s,box-shadow .15s}
.jump-tiles a:hover,.jump-tiles a:focus-visible{border-color:var(--blue);background:#fff;transform:translateY(-2px);box-shadow:0 8px 20px rgba(18,48,90,.12)}
.jt-ic{width:46px;height:46px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;flex:0 0 auto;box-shadow:inset 0 -3px 0 var(--sky)}
.jt-ic svg{width:24px;height:24px}
.jt-txt{display:flex;flex-direction:column;line-height:1.25;min-width:0}
.jt-txt b{font-family:"Montserrat",sans-serif;font-weight:800;color:var(--navy);font-size:1rem}
.jt-txt small{color:var(--muted);font-size:.86rem;margin-top:3px}
.jt-arrow{margin-left:auto;color:var(--blue);font-weight:900;font-size:1.1rem;opacity:.55;transition:opacity .15s,transform .15s}
.jump-tiles a:hover .jt-arrow{opacity:1;transform:translateY(2px)}
@media (max-width:900px){.jump-tiles{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.jump-tiles{grid-template-columns:1fr;gap:10px;padding:12px}.jump-tiles a{padding:12px 14px}.jt-ic{width:40px;height:40px}}