:root {
  --navy: #0f2a44;
  --navy-deep: #0a1d30;
  --navy-light: #1e3a5f;
  --accent: #c9a25f;
  --accent-hover: #b8924c;
  --ink: #17222f;
  --muted: #5a6978;
  --line: #e4e8ee;
  --bg: #ffffff;
  --bg-soft: #f6f8fb;
  --radius: 10px;
  --shadow-sm: 0 1px 2px rgba(15,42,68,0.06);
  --shadow: 0 4px 16px rgba(15,42,68,0.08);
  --shadow-lg: 0 12px 32px rgba(15,42,68,0.12);
  --maxw: 1120px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-light); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3 { color: var(--navy); line-height: 1.2; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 2.5vw, 2rem); font-weight: 650; }
h3 { font-size: 1.15rem; font-weight: 600; }
p { margin: 0 0 1em; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

.skip-link {
  position: absolute; left: -9999px; top: 8px;
  background: var(--navy); color: #fff; padding: 8px 12px;
  border-radius: 6px; z-index: 100;
}
.skip-link:focus { left: 16px; }

/* Header */
.site-header {
  border-bottom: 1px solid var(--line);
  background: #fff;
  position: sticky; top: 0; z-index: 50;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 24px; gap: 16px;
}
.logo img { height: 64px; width: auto; }
@media (max-width: 520px) {
  .logo img { height: 52px; }
}
.header-contact { display: flex; align-items: center; gap: 20px; }
.header-phone {
  color: var(--navy); font-weight: 600; font-size: .95rem;
}
@media (max-width: 520px) {
  .header-phone { display: none; }
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 600; font-size: .95rem;
  padding: 10px 18px; border-radius: 8px;
  border: 1px solid transparent;
  cursor: pointer; text-decoration: none;
  transition: background .15s, color .15s, border-color .15s, transform .05s;
  white-space: nowrap;
}
.btn:hover { text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: var(--accent); color: #fff; border-color: var(--accent);
}
.btn-primary:hover { background: var(--accent-hover); border-color: var(--accent-hover); }
.btn-ghost {
  background: transparent; color: var(--navy); border-color: var(--navy);
}
.btn-ghost:hover { background: var(--navy); color: #fff; }
.btn-secondary {
  background: var(--navy); color: #fff; border-color: var(--navy);
}
.btn-secondary:hover { background: var(--navy-deep); border-color: var(--navy-deep); }
.btn-lg { padding: 14px 26px; font-size: 1rem; }
.btn-sm { padding: 8px 14px; font-size: .875rem; }

/* Hero */
.hero {
  background: linear-gradient(180deg, var(--bg-soft) 0%, #fff 100%);
  padding: 72px 0 56px;
  border-bottom: 1px solid var(--line);
}
.hero-inner { max-width: 780px; }
.eyebrow {
  text-transform: uppercase; letter-spacing: .1em;
  font-size: .8rem; font-weight: 600;
  color: var(--accent); margin: 0 0 16px;
}
.lede { font-size: 1.15rem; color: var(--muted); max-width: 620px; }
.hero-actions {
  display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px;
}

/* Cards */
.cards-section { padding: 72px 0; }
.section-title { text-align: center; margin-bottom: 40px; }
.cards {
  display: grid; gap: 20px;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 24px;
  color: var(--ink);
  display: flex; flex-direction: column;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s, border-color .2s, transform .2s;
}
.card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--navy-light);
  transform: translateY(-2px);
  text-decoration: none;
}
.card h3 { margin-bottom: 8px; }
.card p { color: var(--muted); margin-bottom: 20px; font-size: .95rem; }
.card-cta {
  margin-top: auto; font-weight: 600; color: var(--navy-light);
  font-size: .95rem;
}
.card-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--bg-soft); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.card-icon svg { width: 22px; height: 22px; }
.card-primary {
  background: var(--navy); color: #fff; border-color: var(--navy);
}
.card-primary h3 { color: #fff; }
.card-primary p { color: rgba(255,255,255,0.8); }
.card-primary .card-icon {
  background: rgba(255,255,255,0.08); color: var(--accent);
}
.card-primary .card-cta { color: var(--accent); }
.card-primary:hover { border-color: var(--navy-deep); background: var(--navy-deep); }

/* Disclosure */
.disclosure-section {
  background: var(--bg-soft);
  padding: 64px 0;
  border-top: 1px solid var(--line);
}
.disclosure-intro {
  text-align: center; max-width: 680px; margin: 0 auto 32px;
  color: var(--muted);
}
.disclosure-general {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 24px 28px;
  font-size: .95rem; max-width: 820px; margin: 0 auto 28px;
}
.disclosure-general p:last-child { margin-bottom: 0; }
.state-picker {
  max-width: 820px; margin: 0 auto;
  display: flex; align-items: center; gap: 14px; flex-wrap: wrap;
}
.state-picker select {
  flex: 1; min-width: 200px;
  padding: 10px 14px; font: inherit;
  border: 1px solid var(--line); border-radius: 8px;
  background: #fff; color: var(--ink);
}
.state-disclosure {
  max-width: 820px; margin: 16px auto 0;
}
.state-disclosure:empty { display: none; }
.state-disclosure-card {
  background: #fff; border: 1px solid var(--line);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius); padding: 20px 24px;
  font-size: .95rem;
}

/* Contact */
.contact-section { padding: 72px 0; }
.contact-grid {
  display: grid; gap: 40px;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}
.hours { list-style: none; padding: 0; margin: 0; }
.hours li {
  display: flex; justify-content: space-between;
  padding: 8px 0; border-bottom: 1px solid var(--line);
  font-size: .95rem;
}
.hours li:last-child { border-bottom: none; }

/* Footer */
.site-footer {
  background: var(--navy-deep); color: rgba(255,255,255,0.75);
  padding: 28px 0; font-size: .9rem;
}
.site-footer a { color: rgba(255,255,255,0.85); }
.site-footer a:hover { color: #fff; }
.footer-inner {
  display: flex; flex-wrap: wrap; gap: 16px;
  justify-content: space-between; align-items: center;
}
.footer-inner p { margin: 0; }
.footer-nav { display: flex; gap: 20px; flex-wrap: wrap; }

/* Forms */
.page-hero {
  padding: 56px 0 32px;
  background: linear-gradient(180deg, var(--bg-soft) 0%, #fff 100%);
  border-bottom: 1px solid var(--line);
}
.page-hero .breadcrumb {
  font-size: .9rem; color: var(--muted); margin-bottom: 12px;
}
.page-hero h1 { font-size: clamp(1.75rem, 3vw, 2.25rem); }
.page-hero p { color: var(--muted); max-width: 680px; }

.form-section { padding: 48px 0 80px; }
.form-wrap { max-width: 680px; margin: 0 auto; }
.form-grid { display: grid; gap: 18px; }
.form-row {
  display: grid; gap: 18px; grid-template-columns: 1fr 1fr;
}
@media (max-width: 560px) {
  .form-row { grid-template-columns: 1fr; }
}
.field label {
  display: block; font-weight: 600; font-size: .9rem;
  margin-bottom: 6px; color: var(--navy);
}
.field .hint { font-size: .8rem; color: var(--muted); margin-top: 4px; }
.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field input[type="date"],
.field select,
.field textarea {
  width: 100%;
  padding: 11px 14px; font: inherit;
  border: 1px solid var(--line); border-radius: 8px;
  background: #fff; color: var(--ink);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(30,58,95,0.15);
}
.field textarea { min-height: 140px; resize: vertical; }
.checklist { display: grid; gap: 10px; }
.checklist label {
  display: flex; align-items: flex-start; gap: 10px;
  font-weight: 400; color: var(--ink); font-size: .95rem;
  padding: 10px 14px; border: 1px solid var(--line); border-radius: 8px;
  cursor: pointer;
}
.checklist input { margin-top: 3px; }
.checklist label:hover { background: var(--bg-soft); }

.form-actions {
  margin-top: 8px; display: flex; gap: 12px; flex-wrap: wrap;
}
.form-note {
  font-size: .85rem; color: var(--muted);
  background: var(--bg-soft); padding: 14px 16px;
  border-radius: 8px; border: 1px solid var(--line);
}
.required-mark { color: #b42318; }