:root{
  --ink:#122127;
  --ink-soft:#3d4c52;
  --paper:#FBF9F4;
  --panel:#FFFFFF;
  --line:#E4DFD3;
  --navy:#1B3A4B;
  --navy-deep:#0F2733;
  --gold:#B8862E;
  --gold-soft:#F4E7CE;
  --sage:#5C7A65;
  --radius-sm:4px;
  --radius-md:10px;
  --font-display: 'Iowan Old Style', 'Palatino Linotype', Georgia, serif;
  --font-body: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--font-body);
  line-height:1.55;
}
img{max-width:100%;display:block;}
a{color:inherit;}
.wrap{max-width:1180px;margin:0 auto;padding:0 28px;}

/* Top utility bar */
.utility-bar{background:var(--navy-deep);color:#DCE7EA;font-size:13px;padding:8px 0;}
.utility-bar .wrap{display:flex;justify-content:space-between;align-items:center;}
.utility-bar a{text-decoration:none;color:#DCE7EA;font-weight:600;}

/* Header */
header{background:var(--panel);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40;}
.nav-row{display:flex;align-items:center;justify-content:space-between;padding:16px 0;}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;}
.brand .mark{height:52px;width:auto;display:block;}
.brand .name{font-family:var(--font-display);font-size:19px;font-weight:700;color:var(--navy-deep);line-height:1.1;}
.brand .tag{font-size:11px;color:var(--ink-soft);letter-spacing:.03em;}
nav.primary ul{list-style:none;display:flex;gap:26px;margin:0;padding:0;}
nav.primary a{text-decoration:none;font-size:15px;color:var(--ink-soft);font-weight:500;}
nav.primary a.active{color:var(--navy-deep);font-weight:700;}
.header-cta{display:flex;align-items:center;gap:18px;}
.btn{display:inline-flex;align-items:center;gap:8px;padding:11px 22px;border-radius:var(--radius-sm);font-weight:700;font-size:14.5px;text-decoration:none;border:none;cursor:pointer;}
.btn-gold{background:var(--gold);color:#fff;}
.btn-gold:hover{background:#a3761f;}
.btn-outline-navy{background:transparent;border:1.5px solid var(--navy);color:var(--navy);}

/* Generic page header (non-home pages) */
.page-hero{padding:52px 0 46px;border-bottom:1px solid var(--line);}
.page-hero .eyebrow-pill{display:inline-flex;align-items:center;gap:8px;background:var(--gold-soft);color:#7A5A17;border-radius:999px;padding:6px 16px;font-size:13px;font-weight:600;margin-bottom:18px;}
.page-hero h1{font-family:var(--font-display);font-size:38px;line-height:1.15;font-weight:700;color:var(--navy-deep);margin:0 0 14px;max-width:16em;}
.page-hero p{font-size:16px;color:var(--ink-soft);max-width:60ch;margin:0;}

.content-section{padding:56px 0;}
.content-section h2{font-family:var(--font-display);font-size:26px;color:var(--navy-deep);margin:0 0 14px;}
.content-section h3{font-family:var(--font-display);font-size:19px;color:var(--navy-deep);margin:28px 0 10px;}
.content-section p{font-size:15.5px;color:var(--ink-soft);max-width:74ch;margin:0 0 16px;}
.content-section ul{max-width:74ch;color:var(--ink-soft);font-size:15.5px;padding-left:20px;}
.content-section li{margin-bottom:8px;}
.narrow{max-width:760px;}

/* Hero (home) */
.hero{padding:64px 0 70px;}
.hero-grid{display:grid;grid-template-columns:1.05fr 0.95fr;gap:56px;align-items:start;}
.eyebrow-pill{display:inline-flex;align-items:center;gap:8px;background:var(--gold-soft);color:#7A5A17;border-radius:999px;padding:6px 16px;font-size:13px;font-weight:600;margin-bottom:22px;}
h1{font-family:var(--font-display);font-size:46px;line-height:1.12;font-weight:700;color:var(--navy-deep);margin:0 0 20px;max-width:9.5em;}
.hero-sub{font-size:17px;color:var(--ink-soft);max-width:44ch;margin-bottom:26px;}
.free-note{background:#F0F4EE;border-left:3px solid var(--sage);padding:14px 18px;border-radius:var(--radius-sm);font-size:14.5px;color:#3A4A3F;max-width:46ch;margin-bottom:28px;}
.call-row{display:flex;align-items:center;gap:16px;margin-bottom:8px;flex-wrap:wrap;}
.call-row .phone-btn{font-size:16px;padding:13px 26px;}
.call-row .or{font-size:14px;color:var(--ink-soft);}

.trust-strip{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap;}
.trust-chip{flex:1 1 220px;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius-sm);padding:14px 16px;display:flex;gap:12px;align-items:flex-start;}
.trust-chip .ico{width:30px;height:30px;flex:0 0 30px;border-radius:50%;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;color:var(--gold);font-weight:700;}
.trust-chip strong{display:block;font-size:14px;color:var(--navy-deep);}
.trust-chip span{font-size:12.5px;color:var(--ink-soft);}

/* Quote card */
.quote-card{background:var(--navy);color:#fff;border-radius:var(--radius-md);overflow:hidden;box-shadow:0 20px 45px -20px rgba(15,39,51,.5);}
.quote-card-head{padding:24px 28px 18px;}
.quote-card-head h3{font-family:var(--font-display);font-size:21px;margin:0 0 6px;}
.progress-track{height:5px;background:rgba(255,255,255,.18);border-radius:3px;overflow:hidden;margin:14px 0 6px;}
.progress-fill{height:100%;background:var(--gold);width:33%;transition:width .35s ease;}
.step-label{font-size:12.5px;color:#B9C9D0;}
.quote-card-body{background:var(--panel);color:var(--ink);padding:26px 28px 28px;}
.quote-card-body p.q{font-weight:700;font-size:15.5px;margin:0 0 16px;color:var(--navy-deep);}
.option-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px;}
.opt{border:1.5px solid var(--line);border-radius:var(--radius-sm);padding:16px 8px;text-align:center;cursor:pointer;font-size:13.5px;font-weight:600;color:var(--ink-soft);background:#fff;transition:border-color .15s, background .15s;}
.opt .glyph{font-size:20px;display:block;margin-bottom:8px;}
.opt:hover{border-color:var(--gold);}
.opt.selected{border-color:var(--navy);background:var(--gold-soft);color:var(--navy-deep);}
.continue-btn{width:100%;background:var(--gold);color:#fff;border:none;padding:14px;border-radius:var(--radius-sm);font-weight:700;font-size:15px;cursor:pointer;}
.continue-btn:disabled{background:#D9D2C1;color:#8b8677;cursor:not-allowed;}
.fine-print{font-size:11.5px;color:#9aa6ab;text-align:center;margin-top:10px;}
.disclosure-box{font-size:11px;color:var(--ink-soft);background:#F3F1EA;border:1px solid var(--line);border-radius:var(--radius-sm);padding:12px 14px;margin-top:16px;}

/* Stats band */
.stats-band{padding:56px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;text-align:center;}
.stat .icon-ring{width:56px;height:56px;border-radius:50%;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-size:22px;}
.stat h4{font-family:var(--font-display);font-size:18px;margin:0 0 6px;color:var(--navy-deep);}
.stat p{font-size:14px;color:var(--ink-soft);margin:0;max-width:32ch;margin-inline:auto;}

/* Providers */
.providers{padding:70px 0;text-align:center;}
.section-title{font-family:var(--font-display);font-size:32px;color:var(--navy-deep);margin:0 0 12px;}
.section-sub{font-size:15px;color:var(--ink-soft);margin:0 0 36px;}
.provider-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;max-width:900px;margin:0 auto;}
.provider-cell{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius-sm);padding:20px 10px;font-weight:700;color:var(--navy-deep);font-size:14.5px;}
.trademark-note{max-width:720px;margin:30px auto 0;background:#F3F1EA;border:1px solid var(--line);border-radius:var(--radius-sm);padding:16px 20px;font-size:12px;color:var(--ink-soft);text-align:left;}

/* How it works */
.how{background:var(--navy-deep);color:#EFF3F3;padding:72px 0;}
.how .section-title{color:#fff;}
.how .section-sub{color:#B9C9CD;}
.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-top:40px;}
.how-step{text-align:center;position:relative;}
.how-step .num-ring{width:52px;height:52px;border-radius:50%;background:var(--gold);color:#fff;font-family:var(--font-display);font-weight:700;font-size:19px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;}
.how-step h4{font-size:17px;margin:0 0 8px;font-weight:700;}
.how-step p{font-size:14px;color:#AFC0C4;margin:0;max-width:28ch;margin-inline:auto;}

/* CTA band */
.cta-band{padding:64px 0;text-align:center;}
.cta-panel{background:linear-gradient(135deg,var(--navy) 0%, #234C60 100%);color:#fff;border-radius:var(--radius-md);padding:52px 40px;}
.cta-panel h3{font-family:var(--font-display);font-size:30px;margin:0 0 10px;}
.cta-panel p{font-size:15.5px;color:#D6E2E5;margin:0 0 26px;}
.cta-panel .btn-white{background:#fff;color:var(--navy-deep);padding:14px 30px;font-size:15.5px;border-radius:var(--radius-sm);text-decoration:none;font-weight:700;display:inline-flex;gap:10px;align-items:center;}
.cta-disclosure{max-width:760px;margin:26px auto 0;font-size:12px;color:var(--ink-soft);}

/* FAQ accordion */
.faq-list{max-width:760px;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:20px 4px;font-size:16px;font-weight:700;color:var(--navy-deep);cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-family:var(--font-body);}
.faq-q .chev{transition:transform .2s ease;color:var(--gold);font-size:14px;}
.faq-item.open .chev{transform:rotate(180deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;font-size:15px;color:var(--ink-soft);padding:0 4px;}
.faq-item.open .faq-a{max-height:300px;padding-bottom:18px;}

/* Contact form */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;}
.contact-form{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius-md);padding:30px;}
.form-row{margin-bottom:16px;}
.form-row label{display:block;font-size:13.5px;font-weight:700;color:var(--navy-deep);margin-bottom:6px;}
.form-row input, .form-row select, .form-row textarea{
  width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:var(--radius-sm);
  font-size:14.5px;font-family:var(--font-body);background:#fff;color:var(--ink);
}
.form-row textarea{resize:vertical;min-height:100px;}
.contact-info-card{background:#F0F4EE;border:1px solid var(--line);border-radius:var(--radius-md);padding:26px;margin-bottom:16px;}
.contact-info-card h4{margin:0 0 6px;color:var(--navy-deep);font-family:var(--font-display);}
.contact-info-card p{margin:0;color:var(--ink-soft);font-size:14.5px;}

/* Footer */
footer{background:var(--navy-deep);color:#B9C9CD;padding:56px 0 24px;font-size:13.5px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:36px;}
.footer-grid h5{color:#fff;font-size:14px;margin:0 0 14px;font-weight:700;}
.footer-grid ul{list-style:none;margin:0;padding:0;}
.footer-grid li{margin-bottom:9px;}
.footer-grid a{text-decoration:none;color:#AFC0C4;}
.footer-brand .brand-line{display:flex;align-items:center;gap:10px;margin-bottom:12px;}
.footer-brand .mark{height:44px;width:auto;display:block;background:#fff;padding:6px 10px;border-radius:8px;}
.footer-brand p{color:#93A6AB;max-width:32ch;}
.legal-box{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-sm);padding:20px 22px;font-size:11.5px;color:#8FA1A6;line-height:1.6;}
.legal-box p{margin:0 0 10px;}
.copyright{text-align:center;margin-top:22px;font-size:12px;color:#7C8F94;}

@media (max-width:900px){
  .hero-grid, .contact-grid{grid-template-columns:1fr;}
  nav.primary{display:none;}
  .stats-grid, .how-grid{grid-template-columns:1fr;gap:28px;}
  .provider-grid{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
  h1, .page-hero h1{font-size:30px;}
  .option-grid{grid-template-columns:repeat(2,1fr);}
}