:root {
  --navy: #14294a;
  --navy-deep: #0d1b30;
  --gold: #c79a35;
  --gold-dark: #a97f22;
  --cream: #f6f1e9;
  --mist: #eceff3;
  --ink: #16233a;
  --body: #4f5b6b;
  --line: #d9dde3;
  --white: #fff;
  --error: #b3261e;
  --serif: "Playfair Display", Georgia, serif;
  --sans: "Libre Franklin", "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 84px; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.5;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { display: block; max-width: 100%; }

h1, h2, h3 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 700;
  color: var(--ink);
  line-height: 1.25;
}

p { margin: 0; }

a { color: inherit; }

.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 44px;
}

.eyebrow {
  margin-bottom: 18px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-dark);
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 100;
  padding: 10px 16px;
  background: var(--navy);
  color: var(--white);
}
.skip-link:focus { left: 8px; top: 8px; }

:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

/* Buttons */
.btn {
  display: inline-block;
  padding: 13px 22px;
  border: 0;
  border-radius: 2px;
  font: 700 15px/1.2 var(--sans);
  text-decoration: none;
  text-align: center;
  cursor: pointer;
  transition: background-color 0.15s ease, transform 0.15s ease;
}
.btn:active { transform: translateY(1px); }
.btn-gold { background: var(--gold); color: var(--white); }
.btn-gold:hover { background: var(--gold-dark); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-deep); }
.btn-block { display: block; width: 100%; padding: 17px 22px; }
.btn[disabled] { opacity: 0.65; cursor: default; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--white);
  border-top: 4px solid var(--gold);
  box-shadow: 0 1px 0 var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  padding-left: 76px;
  padding-right: 76px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
}
.brand-mark {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font: 700 14px var(--sans);
  letter-spacing: 0.02em;
}
.brand-name {
  display: block;
  font: 700 17px/1.2 var(--serif);
  color: var(--ink);
}
.brand-sub {
  display: block;
  margin-top: 3px;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.17em;
  text-transform: uppercase;
  color: var(--body);
}
.site-nav { display: flex; align-items: center; gap: 26px; }
.site-nav a:not(.btn) {
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
}
.site-nav a:not(.btn):hover { color: var(--gold-dark); }
.site-nav .btn { padding: 10px 17px; }
.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  padding: 0;
  border: 0;
  background: none;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  margin: 5px auto;
  background: var(--ink);
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Hero */
.hero {
  position: relative;
  background: #1c2a40;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0 0 0 auto;
  width: 58%;
  background: url("images/hero.png") center / cover no-repeat;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, #1c2a40 0%, #1c2a40 42%, rgba(28, 42, 64, 0.55) 58%, rgba(28, 42, 64, 0) 80%);
}
.hero-inner {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 560px;
  padding-top: 80px;
  padding-bottom: 80px;
  padding-left: 76px;
}
.hero .eyebrow { margin-bottom: 0; color: var(--gold); }
.hero .eyebrow::after {
  content: "";
  display: block;
  width: 60px;
  height: 2px;
  margin: 20px 0 28px;
  background: var(--gold);
}
.hero h1 {
  max-width: 640px;
  font-size: clamp(30px, 3.2vw, 40px);
  color: var(--white);
}
.hero p:not(.eyebrow) {
  max-width: 580px;
  margin: 24px 0 34px;
  font-size: 19px;
  line-height: 1.35;
  color: #f1f3f6;
}
.hero .btn { align-self: flex-start; padding: 16px 24px; }

/* Coverage */
.coverage { padding: 80px 0; background: var(--cream); }
.section-head h2 { font-size: 26px; }
.section-head p:not(.eyebrow) { max-width: 680px; margin-top: 20px; font-size: 17px; }
.coverage-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 50px;
}
.coverage-card { background: var(--white); box-shadow: 0 1px 2px rgba(22, 35, 58, 0.06); }
.coverage-card img { width: 100%; aspect-ratio: 624 / 239; object-fit: cover; }
.coverage-body { padding: 30px 28px 28px; }
.tag {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 999px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.tag-blue { background: #e6eef6; color: var(--navy); }
.tag-gold { background: #f8ead0; color: #8a6414; }
.coverage-body h3 { margin: 22px 0 16px; font-size: 19px; }
.coverage-body > p { font-size: 15.5px; line-height: 1.4; }
.checklist { margin: 20px 0 30px; padding: 0; list-style: none; }
.checklist li {
  position: relative;
  padding-left: 32px;
  font-size: 14px;
  color: var(--ink);
}
.checklist li + li { margin-top: 15px; }
.checklist li::before {
  content: "";
  position: absolute;
  left: 4px;
  top: 3px;
  width: 12px;
  height: 6px;
  border-left: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: rotate(-45deg);
}

/* Quote */
.quote { padding: 80px 0; background: var(--navy); }
.quote-inner {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 80px;
  max-width: 1300px;
  padding-left: 108px;
  padding-right: 108px;
}
.quote-copy { padding-top: 30px; }
.quote-copy .eyebrow { color: var(--gold); }
.quote-copy h2 { font-size: 26px; color: var(--white); }
.quote-copy > p:not(.eyebrow) { max-width: 440px; margin: 24px 0 30px; font-size: 17px; line-height: 1.35; color: #e4e9f0; }
.assurances { margin: 0; padding: 0; list-style: none; }
.assurances li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  color: var(--white);
}
.assurances li + li { margin-top: 18px; }
.assurances svg { flex: none; width: 24px; height: 24px; color: var(--gold); }

.quote-card { min-width: 0; padding: 36px 36px 30px; background: var(--white); box-shadow: 0 12px 40px rgba(0, 0, 0, 0.25); }
/* Third-party quote widget (quoteandapply.io) renders an iframe in here */
#container-id { min-height: 400px; }
#container-id iframe { width: 100% !important; max-width: 100%; border: 0; }
.quote-card-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
}
.quote-card-head h3 { font-size: 19px; }
.quote-card-head svg { width: 26px; height: 26px; color: var(--gold); }
.field { margin-bottom: 20px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.field label {
  display: block;
  margin-bottom: 8px;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--ink);
}
.field input,
.field select {
  width: 100%;
  height: 50px;
  padding: 0 16px;
  border: 1px solid #c9ced6;
  border-radius: 2px;
  background: var(--white);
  font: 16px var(--sans);
  color: var(--ink);
}
.field select {
  appearance: none;
  padding-right: 40px;
  background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' fill='none' stroke='%2316233a' stroke-width='2'/%3E%3C/svg%3E") right 14px center no-repeat;
}
.field input:focus,
.field select:focus { outline: 0; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(199, 154, 53, 0.35); }
.field.invalid input,
.field.invalid select { border-color: var(--error); }
.field-error { min-height: 0; margin-top: 6px; font-size: 13px; color: var(--error); }
.field-error:empty { display: none; }
.quote-card .btn-block { margin-top: 40px; }
.form-note { margin-top: 16px; font-size: 11.5px; line-height: 1.4; text-align: center; }
.form-status { margin-top: 14px; font-size: 14px; color: var(--error); text-align: center; }
.form-status:empty { display: none; }
.quote-success { padding: 40px 10px; text-align: center; }
.quote-success:focus { outline: 0; }
.quote-success svg { width: 56px; height: 56px; margin: 0 auto 20px; color: var(--gold); }
.quote-success h3 { margin-bottom: 14px; font-size: 22px; }
.quote-success p { margin-bottom: 26px; }
.link-button {
  padding: 0;
  border: 0;
  background: none;
  font: 700 15px var(--sans);
  color: var(--navy);
  text-decoration: underline;
  cursor: pointer;
}

/* Insights */
.insights { padding: 80px 0 76px; }
.insights-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 40px;
}
.insights-head > p { max-width: 450px; padding-bottom: 2px; }
.insights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-top: 46px;
}
.insight-card {
  display: block;
  border: 1px solid #e6e9ee;
  background: var(--white);
  text-decoration: none;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.insight-card:hover { box-shadow: 0 10px 28px rgba(22, 35, 58, 0.12); transform: translateY(-3px); }
.insight-card img { width: 100%; aspect-ratio: 407 / 208; object-fit: cover; }
.insight-body { padding: 26px 24px 24px; }
.insight-body .eyebrow { margin-bottom: 16px; font-size: 10.5px; }
.insight-body h3 { font-size: 18px; line-height: 1.4; }
.insight-body p:not(.eyebrow) { margin-top: 14px; font-size: 13.5px; line-height: 1.35; }

/* Guidance */
.guidance { padding: 72px 0; background: var(--mist); }
.guidance-inner {
  display: flex;
  align-items: center;
  gap: 52px;
  padding-left: 108px;
  padding-right: 108px;
}
.guidance img {
  flex: none;
  width: 160px;
  height: 160px;
  border: 6px solid var(--white);
  border-radius: 50%;
  object-fit: cover;
  box-shadow: 0 4px 14px rgba(22, 35, 58, 0.12);
}
.guidance .eyebrow { margin-bottom: 14px; }
.guidance h2 { font-size: 26px; }
.guidance p:not(.eyebrow) { max-width: 800px; margin: 16px 0 26px; font-size: 17px; line-height: 1.35; }

/* Footer */
.site-footer { padding: 42px 0; background: var(--navy-deep); color: #c5ccd8; }
.footer-inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 40px;
}
.footer-brand { margin-bottom: 10px; font: 700 17px var(--serif); color: var(--white); }
.footer-inner p { font-size: 13px; }
.footer-inner .disclaimer { max-width: 460px; font-size: 11.5px; text-align: right; }

/* Article pages */
.article-hero { padding: 64px 0 56px; background: var(--cream); }
.article-hero .container, .article-body { max-width: 820px; }
.article-hero h1 { font-size: clamp(28px, 4vw, 38px); }
.article-hero p:not(.eyebrow) { margin-top: 18px; font-size: 18px; }
.back-link {
  display: inline-block;
  margin-bottom: 28px;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
}
.back-link:hover { text-decoration: underline; }
.article-body { padding-top: 48px; padding-bottom: 72px; }
.article-body img { width: 100%; margin-bottom: 36px; }
.article-body h2 { margin: 36px 0 12px; font-size: 23px; }
.article-body p, .article-body li { font-size: 17px; line-height: 1.65; }
.article-body p + p { margin-top: 16px; }
.article-body ul { margin: 14px 0; padding-left: 22px; }
.article-body li + li { margin-top: 8px; }
.article-body table { width: 100%; margin: 20px 0; border-collapse: collapse; font-size: 15.5px; }
.article-body th, .article-body td { padding: 12px 14px; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.article-body th { background: var(--mist); color: var(--ink); }
.article-note { margin-top: 36px; padding: 18px 20px; border-left: 3px solid var(--gold); background: var(--cream); font-size: 14px !important; }
.article-cta { margin-top: 40px; }

/* Responsive */
@media (max-width: 1000px) {
  .header-inner, .hero-inner { padding-left: 44px; padding-right: 44px; }
  .quote-inner, .guidance-inner { padding-left: 44px; padding-right: 44px; }
  .quote-inner { grid-template-columns: 1fr; gap: 44px; }
  .quote-copy { padding-top: 0; }
  .insights-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  .container, .header-inner, .hero-inner, .quote-inner, .guidance-inner { padding-left: 20px; padding-right: 20px; }
  .nav-toggle { display: block; }
  .site-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px 20px 20px;
    background: var(--white);
    box-shadow: 0 12px 20px rgba(22, 35, 58, 0.12);
  }
  .site-nav.open { display: flex; }
  .site-nav a:not(.btn) { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .site-nav .btn { margin-top: 16px; padding: 14px; }
  .brand-sub { display: none; }
  .hero::before { width: 100%; opacity: 0.45; }
  .hero::after { background: rgba(28, 42, 64, 0.55); }
  .hero-inner { min-height: 460px; padding-top: 60px; padding-bottom: 60px; }
  .hero p:not(.eyebrow) { font-size: 17px; }
  .coverage, .quote, .insights, .guidance { padding-top: 56px; padding-bottom: 56px; }
  .coverage-grid, .insights-grid, .field-row { grid-template-columns: 1fr; }
  .field-row { gap: 0; }
  .quote-card { padding: 26px 20px 22px; }
  .insights-head { flex-direction: column; align-items: flex-start; gap: 16px; }
  .guidance-inner { flex-direction: column; align-items: flex-start; gap: 28px; }
  .guidance img { width: 120px; height: 120px; }
  .footer-inner { flex-direction: column; align-items: flex-start; gap: 20px; }
  .footer-inner .disclaimer { text-align: left; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}