:root {
  --navy: #12324f;
  --navy-deep: #082b49;
  --blue: #276da8;
  --blue-bright: #1f74d4;
  --sky: #eaf5fb;
  --cream: #fff8ef;
  --cta: #c8473a;
  --cta-hot: #e13d25;
  --gold: #f7b733;
  --ink: #1f2933;
  --muted: #64748b;
  --border: #dbe5ee;
  --white: #ffffff;
  --shadow: 0 22px 55px rgba(18, 50, 79, .13);
  --soft-shadow: 0 10px 30px rgba(18, 50, 79, .09);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: linear-gradient(180deg, #f6fbff 0, #fff 470px);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.55;
}

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

a {
  color: inherit;
  text-decoration: none;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid rgba(247, 183, 51, .9);
  outline-offset: 3px;
}

.shell {
  width: min(100% - 48px, 1220px);
  margin-inline: auto;
}

.section-pad {
  padding: 72px 0;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--blue-bright);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: 0;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1,
h2,
h3 {
  color: var(--navy);
  line-height: .98;
  letter-spacing: 0;
}

h1 {
  max-width: 640px;
  margin-bottom: 22px;
  font-size: clamp(2.8rem, 4.35vw, 4rem);
  font-weight: 800;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(2.05rem, 3.6vw, 3.18rem);
  font-weight: 800;
}

h3 {
  margin-bottom: 10px;
  font-size: 1.08rem;
  font-weight: 800;
  line-height: 1.12;
}

.lead,
.section-head p {
  color: var(--muted);
}

.lead {
  max-width: 560px;
  margin-bottom: 30px;
  font-size: 1.08rem;
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}

.btn,
.mini-btn {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  font-weight: 800;
  line-height: 1;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.btn:hover,
.mini-btn:hover {
  transform: translateY(-1px);
}

.btn {
  padding: 0 24px;
  font-size: .96rem;
}

.btn-primary {
  color: var(--white);
  background: linear-gradient(180deg, #ee472b, var(--cta));
  box-shadow: 0 14px 26px rgba(200, 71, 58, .28);
}

.btn-secondary {
  color: var(--navy);
  background: var(--white);
  border: 1px solid var(--border);
  box-shadow: 0 8px 20px rgba(18, 50, 79, .05);
}

.btn-dark-outline {
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, .36);
}

.notice-bar {
  color: var(--white);
  background: var(--navy-deep);
  font-size: .78rem;
  font-weight: 700;
}

.notice-inner,
.nav-inner,
.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.notice-inner {
  min-height: 30px;
}

.notice-inner p {
  margin: 0;
  opacity: .96;
}

.notice-inner a {
  white-space: nowrap;
}

.main-nav {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, .94);
  border-bottom: 1px solid rgba(219, 229, 238, .8);
  backdrop-filter: blur(18px);
}

.nav-inner {
  min-height: 84px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  min-width: 260px;
}

.brand-mark {
  display: grid;
  width: 52px;
  height: 52px;
  place-items: center;
  color: var(--white);
  background: linear-gradient(145deg, #1b6297, #073256);
  border-radius: 14px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .28), 0 10px 24px rgba(18, 50, 79, .16);
  font-weight: 800;
}

.brand strong,
.brand small {
  display: block;
}

.brand strong {
  color: var(--navy);
  font-size: 1.08rem;
  line-height: 1.1;
}

.brand small {
  color: var(--muted);
  font-size: .78rem;
  font-weight: 700;
}

.nav-links,
.nav-actions {
  display: flex;
  align-items: center;
  gap: 22px;
}

.nav-links a {
  color: var(--navy);
  font-size: .9rem;
  font-weight: 800;
}

.phone-pill {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  padding: 0 24px;
  color: var(--navy);
  border: 1px solid var(--border);
  border-radius: 999px;
  font-weight: 800;
}

.hero {
  padding-top: 76px;
  padding-bottom: 86px;
  background:
    radial-gradient(circle at 18% 12%, rgba(39, 109, 168, .12), transparent 32%),
    linear-gradient(100deg, #fff 0%, #f4fbff 55%, #edf8ff 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(420px, .88fr);
  gap: 34px;
  align-items: center;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 34px;
}

.trust-card,
.image-card,
.event-card,
.review-form,
.prep-card {
  background: var(--white);
  border: 1px solid rgba(219, 229, 238, .9);
  box-shadow: var(--soft-shadow);
}

.trust-card {
  min-height: 150px;
  padding: 24px 20px;
  border-radius: 18px;
}

.icon {
  display: block;
  min-height: 33px;
  margin-bottom: 18px;
  color: var(--navy);
  font-size: 1.55rem;
  font-weight: 800;
  line-height: 1;
}

.trust-card p {
  margin: 0;
  color: var(--muted);
  font-size: .9rem;
}

.hero-card {
  position: relative;
  padding: 22px;
  background: rgba(255, 255, 255, .9);
  border-radius: 30px;
  box-shadow: var(--shadow);
}

.hero-photo-wrap {
  position: relative;
}

.hero-card img {
  width: 100%;
  aspect-ratio: 1.45 / 1;
  object-fit: cover;
  border-radius: 20px;
}

.support-card {
  position: absolute;
  left: -48px;
  bottom: -38px;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 14px;
  width: min(320px, 76%);
  padding: 20px;
  color: var(--white);
  background: linear-gradient(145deg, #103c63, #082b49);
  border-radius: 14px;
  box-shadow: 0 18px 34px rgba(8, 43, 73, .28);
}

.support-card strong {
  display: block;
  margin-bottom: 5px;
}

.support-card p {
  margin: 0;
  color: rgba(255, 255, 255, .78);
  font-size: .78rem;
  line-height: 1.35;
}

.calendar-icon {
  color: var(--white);
  font-size: 1.55rem;
}

.review-row {
  display: flex;
  gap: 16px;
  justify-content: space-between;
  padding: 62px 10px 22px;
}

.review-row h2 {
  margin-bottom: 10px;
  color: var(--blue-bright);
  font-size: 2rem;
}

.review-row p {
  max-width: 310px;
  margin: 0;
  color: var(--muted);
  font-size: .92rem;
}

.gold-pill {
  align-self: start;
  flex: 0 0 auto;
  padding: 12px 18px;
  color: #7c4100;
  background: var(--gold);
  border-radius: 999px;
  font-size: .82rem;
  font-weight: 800;
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}

.steps div {
  min-height: 96px;
  padding: 18px 14px;
  background: #f3f8fc;
  border-radius: 14px;
}

.steps span,
.prep-row span {
  display: grid;
  width: 30px;
  height: 30px;
  margin-bottom: 13px;
  place-items: center;
  color: var(--blue-bright);
  background: var(--white);
  border: 3px solid #b8ddfb;
  border-radius: 999px;
  font-weight: 800;
}

.steps strong {
  display: block;
  color: var(--navy);
  font-size: .82rem;
  line-height: 1.2;
}

.split-head {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(300px, .88fr);
  gap: 72px;
  align-items: end;
  margin-bottom: 34px;
}

.split-head p:last-child {
  margin-bottom: 8px;
}

.plan-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
}

.image-card {
  overflow: hidden;
  border-radius: 14px;
}

.image-card img {
  width: 100%;
  aspect-ratio: 1.45 / 1;
  object-fit: cover;
}

.image-card div {
  padding: 20px 20px 24px;
}

.image-card p,
.event-card p,
.prep-card p {
  color: var(--muted);
  font-size: .92rem;
}

.image-card a {
  display: inline-block;
  color: var(--blue-bright);
  font-weight: 800;
  line-height: 1.25;
}

.prep {
  background: linear-gradient(100deg, var(--cream), #fff);
}

.prep-grid {
  display: grid;
  grid-template-columns: minmax(300px, .72fr) minmax(0, 1fr);
  gap: 76px;
  align-items: center;
}

.prep-card {
  padding: 28px 34px;
  border-radius: 24px;
}

.prep-row {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 16px;
  padding: 0 0 20px;
  border-bottom: 1px solid var(--border);
}

.prep-row + .prep-row {
  padding-top: 20px;
}

.prep-row:last-of-type {
  border-bottom: 0;
}

.prep-row span {
  width: 34px;
  height: 34px;
  margin: 0;
  color: var(--white);
  background: var(--blue-bright);
  border: 0;
}

.prep-row h3 {
  margin-bottom: 4px;
}

.prep-row p {
  margin-bottom: 0;
}

.chip-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-top: 10px;
}

.chip-grid span {
  min-height: 42px;
  padding: 12px 14px;
  color: var(--navy);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 9px;
  font-size: .84rem;
  font-weight: 800;
}

.agents {
  background: #f8fbfd;
}

.agents-grid {
  display: grid;
  grid-template-columns: minmax(300px, .78fr) minmax(0, 1fr);
  gap: 34px;
  align-items: center;
}

.agent-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

.agent-grid img {
  width: 100%;
  aspect-ratio: 1 / 1.03;
  object-fit: cover;
  border-radius: 10px;
  box-shadow: var(--soft-shadow);
}

.team-panel {
  min-height: 342px;
  padding: 54px 46px;
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(39, 109, 168, .22), transparent 52%),
    linear-gradient(145deg, #0d3b62, #062a47);
  border-radius: 24px;
  box-shadow: var(--shadow);
}

.team-panel .eyebrow,
.team-panel h2,
.team-panel p {
  color: var(--white);
}

.team-panel p {
  max-width: 560px;
  color: rgba(255, 255, 255, .82);
}

.event-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.event-card {
  display: grid;
  grid-template-rows: 1fr auto;
  min-height: 370px;
  padding: 24px;
  border-radius: 16px;
}

.event-card span {
  display: block;
  margin-bottom: 14px;
  color: var(--cta-hot);
  font-size: .82rem;
  font-weight: 800;
}

.mini-btn {
  min-height: 38px;
  padding: 0 16px;
  color: var(--navy);
  background: #f3f8fc;
  border: 1px solid var(--border);
  font-size: .82rem;
}

.event-card img {
  width: 100%;
  aspect-ratio: 1.78 / 1;
  object-fit: cover;
  border-radius: 8px;
}

/* Event cards: add visible space between the CTA button/content block and the image below it. */
.event-card > div + img {
  margin-top: 24px;
}

.contact {
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(39, 109, 168, .35), transparent 42%),
    linear-gradient(110deg, #07304f, #0b426c 58%, #082b49);
}

.contact-grid {
  display: grid;
  grid-template-columns: minmax(300px, .72fr) minmax(0, 1fr);
  gap: 44px;
  align-items: center;
}

.contact h2,
.contact h3,
.contact .eyebrow {
  color: var(--white);
}

.contact-copy > p {
  max-width: 520px;
  color: rgba(255, 255, 255, .82);
}

.contact-list {
  display: grid;
  gap: 12px;
  padding: 10px 0 18px;
  margin: 0;
  list-style: none;
}

.contact-list li {
  display: grid;
  grid-template-columns: 24px 1fr;
  gap: 8px;
  color: var(--white);
  font-weight: 700;
}

.contact-list span {
  color: var(--white);
}

.compliance {
  font-size: .75rem;
  line-height: 1.45;
}

.review-form {
  padding: 28px;
  color: var(--ink);
  border-radius: 20px;
}

.review-form h2 {
  margin-bottom: 18px;
  color: var(--navy);
  font-size: 1.55rem;
}

.form-success {
  padding: 10px 12px;
  color: #0f5132;
  background: #d9f4e6;
  border-radius: 8px;
  font-weight: 700;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

.form-grid label {
  display: block;
}

.form-grid label span {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

input,
select,
textarea {
  width: 100%;
  min-height: 50px;
  padding: 0 16px;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  font: inherit;
  font-size: .92rem;
}

textarea {
  min-height: 112px;
  padding-top: 14px;
  resize: vertical;
}

.wide {
  grid-column: 1 / -1;
}

.form-button {
  width: 100%;
  margin-top: 16px;
  border: 0;
  cursor: pointer;
}

.site-footer {
  color: rgba(255, 255, 255, .78);
  background: #082b49;
  font-size: .88rem;
}

.footer-inner {
  min-height: 86px;
}

.footer-inner strong {
  display: block;
  color: var(--white);
}

.footer-inner p {
  max-width: 620px;
  margin: 0;
}

.social-links {
  display: flex;
  gap: 10px;
}

.social-links a {
  display: grid;
  width: 28px;
  height: 28px;
  place-items: center;
  color: var(--navy);
  background: var(--white);
  border-radius: 999px;
  font-weight: 800;
}

@media (max-width: 1080px) {
  .shell {
    width: min(100% - 36px, 940px);
  }

  .nav-inner {
    flex-wrap: wrap;
    min-height: auto;
    padding: 14px 0;
  }

  .brand {
    min-width: 0;
  }

  .nav-links {
    order: 3;
    width: 100%;
    justify-content: center;
  }

  .hero-grid,
  .prep-grid,
  .agents-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .hero-card {
    max-width: 640px;
    margin-inline: auto;
  }

  .plan-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .prep-grid,
  .contact-grid {
    gap: 36px;
  }
}

@media (max-width: 760px) {
  body {
    background: #fff;
  }

  .shell {
    width: min(100% - 28px, 620px);
  }

  .section-pad {
    padding: 52px 0;
  }

  .notice-inner {
    display: block;
    padding: 8px 0;
    text-align: center;
  }

  .notice-inner a {
    display: inline-block;
    margin-top: 4px;
  }

  .nav-inner {
    gap: 12px;
  }

  .brand {
    width: 100%;
    justify-content: center;
  }

  .nav-links {
    gap: 8px;
    overflow-x: auto;
    justify-content: flex-start;
    padding-bottom: 2px;
  }

  .nav-links a {
    flex: 0 0 auto;
    padding: 8px 10px;
    background: #f4f8fb;
    border-radius: 999px;
    font-size: .8rem;
  }

  .nav-actions {
    width: 100%;
    justify-content: center;
    gap: 10px;
  }

  .phone-pill,
  .nav-actions .btn {
    min-height: 42px;
    padding: 0 14px;
    font-size: .82rem;
  }

  .hero {
    padding-top: 48px;
  }

  h1 {
    font-size: 2.85rem;
  }

  h2 {
    font-size: 2.15rem;
  }

  .lead {
    font-size: 1rem;
  }

  .button-row,
  .hero-copy .button-row {
    align-items: stretch;
  }

  .button-row .btn {
    flex: 1 1 190px;
  }

  .trust-grid,
  .steps,
  .plan-grid,
  .event-grid,
  .form-grid,
  .chip-grid {
    grid-template-columns: 1fr;
  }

  .support-card {
    position: relative;
    left: auto;
    bottom: auto;
    width: auto;
    margin: -22px 16px 0;
  }

  .review-row {
    display: block;
    padding: 24px 4px 18px;
  }

  .gold-pill {
    display: inline-flex;
    margin-top: 16px;
  }

  .split-head {
    grid-template-columns: 1fr;
    gap: 12px;
    margin-bottom: 24px;
  }

  .prep-card,
  .review-form,
  .event-card {
    padding: 22px;
  }

  .agent-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .team-panel {
    min-height: 0;
    padding: 34px 24px;
  }

  .footer-inner {
    display: grid;
    gap: 16px;
    padding: 24px 0;
    text-align: center;
  }

  .social-links {
    justify-content: center;
  }
}

@media (max-width: 430px) {
  h1 {
    font-size: 2.42rem;
  }

  h2 {
    font-size: 1.9rem;
  }

  .brand strong {
    font-size: .98rem;
  }

  .brand-mark {
    width: 46px;
    height: 46px;
  }

  .nav-actions {
    display: grid;
    grid-template-columns: 1fr;
  }

  .hero-card {
    padding: 14px;
    border-radius: 22px;
  }

  .prep-row {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .agent-grid {
    gap: 8px;
  }
}