@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,600;1,600&display=swap');

:root {
  --navy: #0d2742;
  --navy-deep: #071a2d;
  --forest: #1f4b3a;
  --gold: #c69b3c;
  --gold-light: #e6c875;
  --charcoal: #252b31;
  --cream: #fbf7ed;
  --paper: #fffdf7;
  --line: rgba(13, 39, 66, .14);
  --shadow: 0 24px 60px rgba(7, 26, 45, .14);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--charcoal);
  background: var(--cream);
  font-family: "DM Sans", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}
a { color: inherit; }
.skip-link {
  position: fixed;
  left: 1rem;
  top: -5rem;
  z-index: 100;
  padding: .7rem 1rem;
  background: var(--paper);
  color: var(--navy);
  border-radius: .35rem;
}
.skip-link:focus { top: 1rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 2rem;
  min-height: 88px;
  padding: .55rem clamp(1.2rem, 4vw, 4.5rem);
  background: rgba(251, 248, 243, .96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}
.brand { display: inline-flex; align-items: center; gap: .8rem; text-decoration: none; }
.brand-wordmark-image { display: block; width: clamp(250px, 23vw, 330px); height: auto; }
nav { display: flex; justify-content: center; gap: clamp(1rem, 3vw, 2.5rem); }
nav a { color: var(--navy); font-size: .9rem; font-weight: 600; text-decoration: none; }
nav a:hover, nav a:focus-visible { color: var(--forest); }
.header-call { padding: .72rem 1rem; color: var(--cream); background: var(--navy); border-radius: 999px; font-size: .88rem; font-weight: 700; text-decoration: none; }

.hero {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(320px, .75fr);
  gap: clamp(2rem, 6vw, 6rem);
  align-items: center;
  min-height: min(780px, calc(100vh - 88px));
  padding: clamp(3.5rem, 6.5vw, 5.8rem) clamp(1.2rem, 7vw, 8rem);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0 0 0 60%;
  z-index: -2;
  background: var(--forest);
}
.hero::after {
  content: "";
  position: absolute;
  right: -8rem;
  bottom: -14rem;
  z-index: -1;
  width: 34rem;
  height: 34rem;
  border: 2rem solid rgba(230, 200, 117, .16);
  border-radius: 50%;
}
.eyebrow { margin: 0 0 1rem; color: var(--forest); font-size: .8rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; }
.hero h1, .section h2 { margin: 0; color: var(--navy); font-family: "Playfair Display", Georgia, serif; font-weight: 600; letter-spacing: -.045em; line-height: .98; }
.hero h1 { max-width: 14ch; font-size: clamp(3.15rem, 7vw, 6.6rem); }
.hero h1 span { color: var(--forest); font-style: italic; }
.hero-lead { max-width: 62ch; margin: 1.7rem 0 0; color: #47505a; font-size: clamp(1.05rem, 1.6vw, 1.25rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 2.2rem; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: .78rem 1.25rem; border: 2px solid var(--navy); border-radius: 999px; font-weight: 700; text-decoration: none; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.button:hover { transform: translateY(-2px); box-shadow: 0 12px 24px rgba(7, 26, 45, .13); }
.button-primary { color: var(--cream); background: var(--navy); }
.button-secondary { color: var(--navy); background: transparent; }
.after-hours { margin: 1rem 0 0; color: var(--navy); font-size: .95rem; }
.after-hours strong { color: var(--forest); }
.hero-card {
  position: relative;
  min-height: 0;
  padding: 0;
  color: var(--navy);
  background: var(--paper);
  border: 1px solid rgba(255,255,255,.44);
  border-radius: 0 4rem 0 4rem;
  box-shadow: var(--shadow);
  overflow: hidden;
}
.official-logo { display: block; min-height: 0; padding: 0; background: #fbf8f2; }
.official-logo img { display: block; width: 100%; height: auto; }
.license-panel { position: static; display: grid; padding: 1.25rem 2rem; color: var(--cream); background: var(--navy-deep); border-top: 4px solid var(--gold); }
.license-panel span { color: var(--gold-light); font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.license-panel strong { margin-top: .2rem; font-size: 1.15rem; }
.license-panel small { color: rgba(255,255,255,.68); font-size: .8rem; }

.trust-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--gold); border-top: 1px solid var(--gold); border-bottom: 1px solid var(--gold); }
.trust-strip p { display: grid; gap: .2rem; margin: 0; padding: 1.5rem clamp(1.2rem, 4vw, 3.4rem); background: var(--paper); }
.trust-strip strong { color: var(--navy); }
.trust-strip span { color: #64686b; font-size: .88rem; }

.section { padding: clamp(4rem, 7vw, 6.5rem) clamp(1.2rem, 7vw, 8rem); }
.section-heading { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem 4rem; align-items: end; }
.section-heading .eyebrow { grid-column: 1 / -1; margin: 0; }
.section h2 { font-size: clamp(2.7rem, 5vw, 5rem); }
.section-heading > p:last-child { margin: 0; color: #5f666d; font-size: 1.08rem; }
.coverage-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; margin-top: 3rem; background: var(--line); border: 1px solid var(--line); }
.coverage-grid article { position: relative; min-height: 285px; padding: clamp(1.6rem, 3.2vw, 2.7rem); background: var(--paper); }
.coverage-grid article::after { content: ""; position: absolute; right: 0; bottom: 0; width: 0; height: 4px; background: var(--gold); transition: width .25s ease; }
.coverage-grid article:hover::after { width: 100%; }
.number { color: var(--gold); font-size: .8rem; font-weight: 700; letter-spacing: .14em; }
.coverage-grid h3 { margin: 1.5rem 0 .65rem; color: var(--navy); font-family: "Playfair Display", Georgia, serif; font-size: 2.15rem; }
.coverage-grid p { max-width: 54ch; color: #5e656b; }
.coverage-grid a { position: absolute; bottom: 2.4rem; color: var(--forest); font-weight: 700; text-decoration: none; }
.coverage-grid a:hover { text-decoration: underline; }
.eligibility-note { margin: 1rem 0 0; color: #687078; font-size: .8rem; }

.agent { display: grid; grid-template-columns: minmax(180px, .55fr) minmax(0, 1.45fr); gap: clamp(2rem, 7vw, 7rem); align-items: center; background: var(--paper); border-top: 1px solid var(--line); }
.agent-photo { width: 100%; max-width: 390px; margin: 0; overflow: hidden; background: var(--paper); border: 6px solid var(--gold); border-radius: 0 3rem 0 3rem; box-shadow: var(--shadow); }
.agent-photo img { display: block; width: 100%; height: auto; }
.agent-copy > p:not(.eyebrow) { max-width: 62ch; margin: 1.5rem 0 0; color: #596168; font-size: 1.06rem; }
.agent-highlights { display: flex; flex-wrap: wrap; gap: .65rem; margin-top: 1.5rem; }
.agent-highlights span { padding: .5rem .8rem; color: var(--navy); background: var(--cream); border: 1px solid var(--line); border-radius: 999px; font-size: .8rem; font-weight: 700; }

.difference { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(3rem, 8vw, 8rem); color: var(--cream); background: var(--navy); }
.difference h2 { color: var(--cream); font-size: clamp(2.8rem, 5vw, 5.2rem); }
.eyebrow.light { color: var(--gold-light); }
.difference-list { border-top: 1px solid rgba(255,255,255,.22); }
.difference-list div { display: grid; grid-template-columns: 44px 1fr; gap: 1rem; padding: 1.6rem 0; border-bottom: 1px solid rgba(255,255,255,.22); }
.difference-list span { color: var(--gold-light); font-size: .8rem; font-weight: 700; }
.difference-list p { margin: 0; color: rgba(255,255,255,.72); }
.difference-list strong { color: var(--cream); }

.contact { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(3rem, 8vw, 8rem); align-items: center; }
.contact-intro > p:last-child { max-width: 52ch; color: #60676e; font-size: 1.05rem; }
.direct-contact { display: grid; gap: .6rem; margin-top: 2rem; }
.direct-contact a { display: grid; width: fit-content; text-decoration: none; }
.direct-contact a:hover strong { color: var(--forest); }
.direct-contact span { color: #73797f; font-size: .74rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.direct-contact strong { color: var(--navy); overflow-wrap: anywhere; }
.appointment-note { max-width: 54ch; margin-top: 1.5rem; padding: 1rem 1.1rem; background: var(--paper); border-left: 4px solid var(--gold); }
.appointment-note strong { color: var(--navy); }
.appointment-note p { margin: .3rem 0 0; color: #60676e; font-size: .9rem; line-height: 1.5; }
.inquiry-form { padding: clamp(1.4rem, 4vw, 2.5rem); background: var(--paper); border: 1px solid var(--line); border-top: 5px solid var(--gold); box-shadow: var(--shadow); }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.field-grid label, .appointment-request, .consent { display: grid; gap: .42rem; }
.field-grid label > span { color: var(--navy); font-size: .82rem; font-weight: 700; }
.field-grid b { color: var(--forest); }
.full-width { grid-column: 1 / -1; }
input, select, textarea { width: 100%; min-height: 48px; padding: .72rem .8rem; color: var(--charcoal); background: #fff; border: 1px solid rgba(13,39,66,.25); border-radius: .35rem; font: inherit; }
textarea { min-height: 130px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(198,155,60,.28); border-color: var(--navy); }
.appointment-request, .consent { grid-template-columns: 20px 1fr; gap: .7rem; color: #5e656b; font-size: .82rem; line-height: 1.45; }
.appointment-request { margin: 1.2rem 0 0; padding: .9rem; background: var(--cream); border: 1px solid var(--line); border-radius: .35rem; }
.consent { margin: 1.2rem 0; }
.appointment-request input, .consent input { width: 18px; min-height: 18px; margin: .15rem 0 0; accent-color: var(--forest); }
.inquiry-form .button { border: 0; cursor: pointer; }
.inquiry-form .button:disabled { cursor: wait; opacity: .68; transform: none; }
.honeypot { position: absolute !important; left: -10000px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.form-note { margin: .8rem 0 0; color: #70767b; font-size: .76rem; }
.form-status { min-height: 1.4rem; margin: .45rem 0 0; color: var(--forest); font-size: .82rem; font-weight: 700; }

.faq { color: var(--cream); background: var(--forest); }
.faq .eyebrow { color: var(--gold-light); }
.faq h2 { color: var(--cream); }
.faq .section-heading > p:last-child { color: rgba(255,255,255,.72); }
.faq-list { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; margin-top: 2.5rem; }
.faq-list details, .privacy-notice { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.2); border-radius: .5rem; }
.faq-list summary, .privacy-notice summary { padding: 1.1rem 1.25rem; color: var(--cream); font-weight: 700; cursor: pointer; }
.faq-list details p, .privacy-notice p { margin: 0; padding: 0 1.25rem 1.25rem; color: rgba(255,255,255,.76); font-size: .92rem; }
.privacy-notice { margin-top: .75rem; }

footer { display: grid; grid-template-columns: 1.2fr 1fr 1.7fr auto; gap: 2rem; align-items: start; padding: 2.5rem clamp(1.2rem, 7vw, 8rem) 6rem; color: rgba(255,255,255,.66); background: var(--navy-deep); font-size: .78rem; }
footer div { display: grid; }
footer strong { color: var(--cream); font-size: .9rem; }
footer p { margin: 0; }
.fine-print { line-height: 1.5; }
.footer-links { white-space: nowrap; }
.footer-links a { color: var(--cream); }
.mobile-action { display: none; }

@media (max-width: 980px) {
  .site-header { grid-template-columns: 1fr auto; }
  nav { display: none; }
  .hero { grid-template-columns: 1fr; min-height: auto; }
  .hero::before { inset: 58% 0 0 0; }
  .hero-card { min-height: 0; }
  .section-heading, .difference, .contact { grid-template-columns: 1fr; }
  .agent { grid-template-columns: minmax(160px, .45fr) minmax(0, 1.55fr); }
  .faq-list { grid-template-columns: 1fr; }
  footer { grid-template-columns: 1fr 1fr; }
  .fine-print { grid-column: 1 / -1; }
}

@media (max-width: 680px) {
  body { padding-bottom: 68px; }
  .site-header { min-height: 78px; padding: .45rem 1rem; }
  .brand-wordmark-image { width: 235px; }
  .header-call { display: none; }
  .hero { padding: 3.5rem 1.1rem 4.5rem; }
  .hero::before { inset: 62% 0 0; }
  .hero h1 { font-size: clamp(3rem, 14vw, 4.6rem); }
  .hero-card { min-height: 0; border-radius: 0 2.4rem 0 2.4rem; }
  .trust-strip { grid-template-columns: 1fr; }
  .section { padding: 3.75rem 1.1rem; }
  .section-heading { gap: 1.2rem; }
  .section h2 { font-size: clamp(2.6rem, 12vw, 4rem); }
  .coverage-grid { grid-template-columns: 1fr; margin-top: 2.5rem; }
  .coverage-grid article { min-height: 300px; }
  .difference { gap: 3rem; }
  .agent { grid-template-columns: 1fr; }
  .agent-photo { max-width: 420px; }
  .field-grid { grid-template-columns: 1fr; }
  .full-width { grid-column: auto; }
  footer { grid-template-columns: 1fr; padding-bottom: 2rem; }
  .fine-print { grid-column: auto; }
  .mobile-action { position: fixed; inset: auto 0 0; z-index: 60; display: grid; grid-template-columns: 2fr 1fr; min-height: 68px; box-shadow: 0 -10px 30px rgba(7,26,45,.18); }
  .mobile-action a { display: grid; place-items: center; color: var(--cream); background: var(--forest); font-weight: 700; text-decoration: none; }
  .mobile-action a:last-child { background: var(--navy); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}