:root {
  --navy: #1B365D;
  --navy-dark: #12243f;
  --teal: #1A6B6B;
  --gold: #C4A35A;
  --gold-soft: #efe6d2;
  --ink: #243447;
  --muted: #5A6570;
  --light: #F4F7FA;
  --row: #E8EEF4;
  --white: #ffffff;
  --max: 1080px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Source Sans 3", "Segoe UI", Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
}
img { max-width: 100%; }
a { color: var(--teal); }
.wrap { width: min(var(--max), calc(100% - 2rem)); margin-inline: auto; }

/* Header */
.site-header {
  background: var(--white);
  border-bottom: 3px solid var(--navy);
  box-shadow: 0 1px 0 var(--gold);
  position: sticky;
  top: 0;
  z-index: 20;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.7rem 0;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: var(--navy);
}
.brand img { width: 52px; height: 52px; }
.brand-name { font-family: Georgia, "Times New Roman", serif; font-size: 1.35rem; font-weight: 700; line-height: 1.1; }
.brand-sub { display: block; font-family: "Source Sans 3", sans-serif; font-size: 0.72rem; letter-spacing: 0.16em; color: var(--teal); font-weight: 600; }
.nav { display: flex; gap: 1.25rem; align-items: center; flex-wrap: wrap; }
.nav a {
  text-decoration: none;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--teal); }
.btn {
  display: inline-block;
  background: var(--navy);
  color: var(--white) !important;
  text-decoration: none;
  padding: 0.65rem 1.1rem;
  border-radius: 4px;
  font-weight: 700;
  border: 0;
  cursor: pointer;
  font-size: 0.95rem;
}
.btn:hover { background: var(--navy-dark); }
.btn-gold { background: var(--gold); color: var(--navy) !important; }
.btn-gold:hover { background: #b08d3f; }
.btn-outline {
  background: transparent;
  color: var(--white) !important;
  border: 2px solid var(--white);
}

/* Hero */
.hero {
  background: linear-gradient(115deg, var(--navy) 0%, #163a5c 55%, var(--teal) 140%);
  color: var(--white);
  padding: 3.5rem 0 3.75rem;
}
.hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  margin: 0 0 0.6rem;
  line-height: 1.15;
}
.hero p.lead { font-size: 1.15rem; max-width: 36rem; color: #e4ebf2; }
.hero-actions { display: flex; gap: 0.75rem; flex-wrap: wrap; margin-top: 1.4rem; }
.phone-lg { font-size: 1.35rem; font-weight: 700; color: var(--gold); text-decoration: none; }

/* Sections */
section { padding: 3rem 0; }
.section-title {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--navy);
  font-size: 1.7rem;
  margin: 0 0 0.4rem;
}
.section-kicker { color: var(--teal); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; font-size: 0.78rem; margin: 0 0 0.35rem; }
.muted { color: var(--muted); }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 1.4rem; }
.card {
  background: var(--light);
  border: 1px solid var(--row);
  border-top: 4px solid var(--gold);
  padding: 1.25rem;
  border-radius: 6px;
}
.card h3 { margin: 0 0 0.4rem; color: var(--navy); font-size: 1.15rem; }
.card p { margin: 0; color: var(--muted); font-size: 0.95rem; }

.two-col { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 2rem; align-items: start; }
.checklist { list-style: none; padding: 0; margin: 1rem 0 0; }
.checklist li { padding: 0.35rem 0 0.35rem 1.4rem; position: relative; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 700; }

.band { background: var(--light); }
.cta-band {
  background: var(--navy);
  color: var(--white);
  text-align: center;
}
.cta-band h2 { font-family: Georgia, serif; margin: 0 0 0.4rem; }
.cta-band p { color: #d5deea; }

table { width: 100%; border-collapse: collapse; font-size: 0.95rem; margin-top: 1rem; }
th, td { padding: 0.7rem 0.75rem; text-align: left; border: 1px solid #c5cdd6; }
th { background: var(--navy); color: var(--white); }
tr:nth-child(even) td { background: var(--light); }
.note { font-size: 0.88rem; color: var(--muted); margin-top: 0.75rem; }

.coverage { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1rem; }
.pill {
  background: var(--gold-soft);
  color: var(--navy);
  padding: 0.35rem 0.75rem;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.88rem;
}

form { display: grid; gap: 0.75rem; }
label { font-weight: 650; font-size: 0.88rem; color: var(--navy); }
input, select, textarea {
  width: 100%;
  padding: 0.65rem 0.7rem;
  border: 1px solid #c5cdd6;
  border-radius: 4px;
  font: inherit;
}
textarea { min-height: 110px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; }

.contact-box {
  background: var(--navy);
  color: var(--white);
  padding: 1.5rem;
  border-radius: 8px;
}
.contact-box a { color: var(--gold); text-decoration: none; font-weight: 700; }
.contact-box h2 { font-family: Georgia, serif; margin-top: 0; }

footer {
  background: var(--navy-dark);
  color: #c9d3df;
  padding: 1.5rem 0;
  font-size: 0.88rem;
}
footer a { color: var(--gold); text-decoration: none; }
.footer-inner { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }

@media (max-width: 800px) {
  .cards, .two-col, .form-row { grid-template-columns: 1fr; }
  .nav { gap: 0.7rem; }
  .brand-name { font-size: 1.1rem; }
}