/* Layout: navy header + navy hero band with gold hairlines (echoing the logo), then white content bands;
   the quote form is the only raised card on each page. Single brand theme (deliberately light). */
:root {
  --navy: #0F2340;
  --navy-2: #1B3560;
  --gold: #B8892D;
  --gold-soft: #E9DCBF;
  --ink: #1C2533;
  --muted: #566176;
  --ground: #FFFFFF;
  --ground-alt: #F4F6FA;
  --line: #DCE1EA;
  --ok: #1F6B45;
  --err: #A3302A;
  --display: "Cinzel", "Trajan Pro", Georgia, serif;
  --body: "Libre Franklin", "Helvetica Neue", Arial, sans-serif;
  --step--1: 0.875rem;
  --step-0: 1.0625rem;
  --step-1: 1.3rem;
  --step-2: 1.7rem;
  --step-3: clamp(2rem, 1.4rem + 2.6vw, 3.1rem);
  color-scheme: light;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--ground); color: var(--ink); font: 400 var(--step-0)/1.6 var(--body); }
a { color: var(--navy-2); text-underline-offset: 3px; }
a:hover { color: var(--gold); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
img { max-width: 100%; height: auto; }
h1, h2 { font-family: var(--display); font-weight: 700; color: var(--navy); text-wrap: balance; line-height: 1.15; margin: 0 0 .6em; }
h2 { font-size: var(--step-2); }
p { margin: 0 0 1em; }
.wrap { max-width: 1120px; margin: 0 auto; padding-inline: 20px; }
.narrow { max-width: 720px; }

/* Header */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 10; background: var(--navy); color: #fff; border-bottom: 2px solid var(--gold); }
.header-row { display: flex; align-items: center; gap: 16px; padding-block: 10px; }
.brand { display: flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; margin-right: auto; }
.brand:hover { color: #fff; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--display); font-weight: 700; font-size: 1.15rem; letter-spacing: .02em; }
.brand-sub { font-size: .68rem; letter-spacing: .28em; text-transform: uppercase; color: var(--gold-soft); }
.header-phone { color: #fff; font-weight: 600; text-decoration: none; white-space: nowrap; font-variant-numeric: tabular-nums; }
.header-phone:hover { color: var(--gold-soft); }
.menu { position: relative; }
.menu summary { cursor: pointer; list-style: none; padding: 6px 12px; border: 1px solid rgba(255,255,255,.35); border-radius: 4px; font-size: var(--step--1); letter-spacing: .08em; text-transform: uppercase; }
.menu summary::-webkit-details-marker { display: none; }
.menu nav { position: absolute; right: 0; top: calc(100% + 12px); background: #fff; color: var(--ink); border: 1px solid var(--line); border-top: 3px solid var(--gold); box-shadow: 0 12px 32px rgba(15,35,64,.18); padding: 18px 22px; display: grid; grid-template-columns: repeat(2, minmax(150px, 1fr)); gap: 8px 32px; width: min(440px, calc(100vw - 32px)); }
.menu ul { list-style: none; margin: 0 0 12px; padding: 0; }
.menu li a { display: block; padding: 4px 0; color: var(--ink); text-decoration: none; }
.menu li a:hover { color: var(--gold); }
.menu-label { margin: 0 0 4px; font-size: .72rem; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); }

/* Hero */
.hero { background: linear-gradient(180deg, var(--navy-2), var(--navy)); color: #fff; padding-block: clamp(40px, 7vw, 84px); position: relative; }
.hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 10px; height: 1px; background: var(--gold); opacity: .6; }
.hero h1 { color: #fff; font-size: var(--step-3); max-width: 18ch; }
.eyebrow { font-size: .78rem; letter-spacing: .2em; text-transform: uppercase; color: var(--gold-soft); margin-bottom: 14px; }
.lead { font-size: var(--step-1); max-width: 40em; color: #E4E9F2; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.btn, button[type="submit"] { display: inline-block; background: var(--gold); color: var(--navy); font: 600 var(--step-0)/1 var(--body); padding: 14px 22px; border: 0; border-radius: 4px; text-decoration: none; cursor: pointer; }
.btn:hover, button[type="submit"]:hover { background: #CDA046; color: var(--navy); }
.btn-ghost { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,.55); }
.btn-ghost:hover { background: rgba(255,255,255,.08); color: #fff; }

/* Bands */
.band { padding-block: clamp(40px, 6vw, 72px); }
.band-alt { background: var(--ground-alt); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.split { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: clamp(28px, 5vw, 64px); align-items: start; }
.prose { min-width: 0; max-width: 64ch; }
.section-lead { max-width: 60ch; color: var(--muted); }
.small { font-size: var(--step--1); color: var(--muted); }
.checks { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 10px; }
.checks li { padding-left: 28px; position: relative; }
.checks li::before { content: ""; position: absolute; left: 4px; top: .55em; width: 10px; height: 10px; background: var(--gold); transform: rotate(45deg); }

/* Coverage list */
.coverages { margin: 0 0 28px; display: grid; gap: 0; border-top: 1px solid var(--line); }
.coverages div { display: grid; grid-template-columns: minmax(0, 12rem) minmax(0, 1fr); gap: 16px; padding-block: 14px; border-bottom: 1px solid var(--line); }
.coverages dt { font-weight: 600; color: var(--navy); }
.coverages dd { margin: 0; }
.texas-note { border-left: 3px solid var(--gold); background: var(--ground-alt); padding: 16px 20px; margin: 0 0 32px; }
.texas-note p:last-child { margin: 0; }
.note-label { font-size: .75rem; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }

/* Line cards */
.line-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 14px; }
.line-card { display: flex; flex-direction: column; gap: 4px; padding: 18px 18px 20px; background: #fff; border: 1px solid var(--line); border-radius: 4px; text-decoration: none; color: var(--ink); transition: border-color .15s; }
.line-card:hover { border-color: var(--gold); color: var(--ink); }
.line-group { font-size: .7rem; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); }
.line-name { font-family: var(--display); font-weight: 700; font-size: 1.15rem; color: var(--navy); }
.line-blurb { font-size: var(--step--1); color: var(--muted); }

/* Areas */
.area-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 14px; }
.area-list li { display: flex; flex-direction: column; border-top: 2px solid var(--gold); padding-top: 10px; }
.area-list a { font-family: var(--display); font-weight: 700; font-size: var(--step-1); color: var(--navy); text-decoration: none; }
.area-list span { font-size: var(--step--1); color: var(--muted); font-variant-numeric: tabular-nums; }

/* About timeline */
.timeline { display: grid; gap: 0; margin: 28px 0; border-left: 2px solid var(--gold); }
.timeline div { display: grid; grid-template-columns: 5.5rem minmax(0, 1fr); gap: 12px; padding: 10px 0 10px 18px; }
.year { font-family: var(--display); font-weight: 700; color: var(--navy); font-variant-numeric: tabular-nums; }
.big-phone { font-size: var(--step-2); font-weight: 600; font-variant-numeric: tabular-nums; }

/* Quote form: the one raised card */
.quote { background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--gold); box-shadow: 0 16px 40px rgba(15,35,64,.12); padding: clamp(20px, 3vw, 30px); display: grid; gap: 14px; min-width: 0; scroll-margin-top: 90px; }
#quote { scroll-margin-top: 90px; }
.quote-title { font-size: var(--step-1); margin: 0; }
.quote-note { margin: 0; font-size: var(--step--1); color: var(--muted); }
.field { display: grid; gap: 4px; min-width: 0; }
.field span { font-size: var(--step--1); font-weight: 600; color: var(--navy); }
.field-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
input, select, textarea { font: inherit; color: var(--ink); background: #fff; border: 1px solid #B9C1CF; border-radius: 4px; padding: 10px 12px; width: 100%; min-width: 0; }
input:focus, select:focus, textarea:focus { border-color: var(--navy-2); outline: 2px solid var(--gold-soft); outline-offset: 0; }
.field.invalid input { border-color: var(--err); }
.consent { display: grid; grid-template-columns: auto 1fr; gap: 10px; font-size: .8rem; color: var(--muted); line-height: 1.45; }
.consent input { width: 18px; height: 18px; margin-top: 2px; }
button[type="submit"] { width: 100%; padding-block: 16px; }
.form-status { margin: 0; font-size: var(--step--1); min-height: 1.4em; }
.form-status.ok { color: var(--ok); font-weight: 600; }
.form-status.err { color: var(--err); }

/* Footer */
.site-footer { background: var(--navy); color: #D6DDEA; padding-block: 48px 28px; border-top: 3px solid var(--gold); font-size: var(--step--1); }
.site-footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; }
.footer-name { font-family: var(--display); font-weight: 700; color: #fff; font-size: 1.05rem; }
.footer-label { font-size: .72rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-soft); margin-bottom: 6px; }
.fineprint { margin-top: 28px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.15); font-size: .78rem; color: #AEB8CA; }

@media (max-width: 820px) {
  .split, .footer-grid { grid-template-columns: minmax(0, 1fr); }
  .header-phone { display: none; }
}
@media (max-width: 480px) {
  .field-pair { grid-template-columns: minmax(0, 1fr); }
  .coverages div { grid-template-columns: minmax(0, 1fr); gap: 2px; }
  .brand-name { font-size: 1rem; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; scroll-behavior: auto !important; } }

/* Visual upgrade: hero mark, icons, trust strip, steps, FAQ */
.hero { overflow: hidden; }
.hero .wrap { position: relative; z-index: 1; }
.hero-mark { position: absolute; right: max(-60px, calc(50% - 680px)); top: 50%; transform: translateY(-50%); width: clamp(220px, 30vw, 380px); opacity: .09; pointer-events: none; }
.hero-icon { display: inline-flex; width: 56px; height: 56px; border: 1px solid rgba(233,220,191,.55); border-radius: 50%; align-items: center; justify-content: center; color: var(--gold-soft); margin-bottom: 14px; }
.hero-icon .icon { width: 30px; height: 30px; }
.icon { width: 28px; height: 28px; display: block; }
.line-icon { color: var(--gold); margin-bottom: 6px; }
.line-card:hover .line-icon { color: var(--navy-2); }
.trust { background: var(--ground); border-bottom: 1px solid var(--line); }
.trust-row { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.trust-item { display: flex; flex-direction: column; padding-block: 22px; padding-inline: 18px; border-left: 1px solid var(--line); }
.trust-item:first-child { border-left: 0; padding-left: 0; }
.trust-big { font-family: var(--display); font-weight: 700; color: var(--navy); font-size: 1.05rem; }
.trust-small { font-size: var(--step--1); color: var(--muted); }
.band-navy { background: var(--navy); color: #E4E9F2; }
.band-navy h2 { color: #fff; }
.band-navy .eyebrow { color: var(--gold-soft); }
.steps { list-style: none; padding: 0; margin: 28px 0 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; counter-reset: step; }
.steps li { display: flex; flex-direction: column; gap: 8px; padding-top: 18px; border-top: 1px solid rgba(233,220,191,.35); counter-increment: step; position: relative; }
.steps li::before { content: "0" counter(step); position: absolute; right: 0; top: 14px; font-family: var(--display); color: var(--gold); font-size: 1.1rem; }
.step-icon { color: var(--gold-soft); }
.step-title { font-family: var(--display); font-weight: 700; color: #fff; font-size: 1.15rem; }
.step-text { color: #C9D2E2; }
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 18px 36px 18px 0; font-weight: 600; color: var(--navy); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 12px; font-size: 1.5rem; color: var(--gold); font-weight: 400; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: 0 0 18px; max-width: 60ch; }
.more-link { margin: 18px 0 0; }
@media (max-width: 820px) {
  .trust-row { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .trust-item:nth-child(3) { border-left: 0; padding-left: 0; }
  .trust-item:nth-child(n+3) { border-top: 1px solid var(--line); }
  .steps { grid-template-columns: minmax(0, 1fr); }
  .hero-mark { opacity: .06; }
}
.line-icon .icon { width: 32px; height: 32px; }
@media (min-width: 1000px) { .line-grid-all { grid-template-columns: repeat(5, minmax(0, 1fr)); } }

/* Top bar, review CTA, articles, resources */
.topbar { background: #0A1A31; color: #C9D2E2; font-size: .8rem; }
.topbar-row { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding-block: 7px; flex-wrap: wrap; }
.topbar a { color: var(--gold-soft); font-weight: 600; text-decoration: none; }
.topbar a:hover { color: #fff; }
.eyebrow-dark { color: var(--gold); }
.review-cta { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 28px; align-items: center; padding: clamp(24px, 4vw, 40px); border: 1px solid var(--line); border-left: 4px solid var(--gold); background: linear-gradient(90deg, #FBF7EE, #fff); }
.review-cta p:last-child { margin: 0; max-width: 60ch; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); color: #fff; }
.article-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px; margin-top: 8px; }
.article-card { display: flex; flex-direction: column; gap: 8px; padding: 22px; background: #fff; border: 1px solid var(--line); border-radius: 4px; text-decoration: none; color: var(--ink); }
.article-card:hover { border-color: var(--gold); color: var(--ink); }
.article-date { font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.article-title { font-family: var(--display); font-weight: 700; color: var(--navy); font-size: 1.12rem; line-height: 1.3; }
.article-sum { font-size: var(--step--1); color: var(--muted); }
.article-more { margin-top: auto; font-size: var(--step--1); font-weight: 600; color: var(--gold); }
.resource-list { list-style: none; padding: 0; margin: 0 0 32px; border-top: 1px solid var(--line); }
.resource-list li { display: flex; flex-direction: column; gap: 2px; padding-block: 12px; border-bottom: 1px solid var(--line); }
.resource-list a { font-weight: 600; }
.resource-list span { font-size: var(--step--1); color: var(--muted); }
@media (max-width: 720px) { .review-cta { grid-template-columns: minmax(0, 1fr); } .topbar-row span { display: none; } .topbar-row { justify-content: center; } }
.topbar a.topbar-mail { color: #C9D2E2; font-weight: 400; }