:root{--navy:#07182b;--navy-2:#102a45;--blue:#1b4f78;--gold:#d6ab57;--gold-light:#f2dfb4;--cream:#f7f3ea;--white:#fff;--ink:#172331;--muted:#5b6875;--line:#d9dee2;--shadow:0 24px 60px rgba(5,22,40,.13)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:"DM Sans",sans-serif;background:#fff;line-height:1.65}a{color:inherit}.skip{position:absolute;left:-9999px;top:1rem;background:#fff;padding:.75rem 1rem;z-index:99}.skip:focus{left:1rem}.shell{width:min(1160px,calc(100% - 40px));margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(7,24,43,.08)}.nav-wrap{min-height:84px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;gap:.8rem;align-items:center;text-decoration:none}.brand-mark{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;color:var(--navy);background:var(--gold);font-family:"Playfair Display",serif;font-weight:700}.brand strong,.brand small{display:block}.brand strong{font-family:"Playfair Display",serif;font-size:1.2rem;color:var(--navy)}.brand small{font-size:.72rem;letter-spacing:.04em;color:var(--muted)}nav{display:flex;align-items:center;gap:1.6rem}nav a{text-decoration:none;font-size:.92rem;font-weight:600;color:#314052}nav a:hover{color:var(--blue)}.nav-call{border:1px solid var(--navy);padding:.72rem 1rem;border-radius:4px;color:var(--navy)}.menu-button{display:none;background:transparent;border:1px solid var(--line);padding:.65rem .8rem;border-radius:4px}.hero{overflow:hidden;color:#fff;background:radial-gradient(circle at 76% 14%,rgba(214,171,87,.18),transparent 25%),linear-gradient(130deg,#061526 0%,#0c2b48 58%,#153d5d 100%);padding:96px 0 88px;position:relative}.hero:after{content:"";position:absolute;width:360px;height:360px;border:1px solid rgba(214,171,87,.25);border-radius:50%;right:-150px;bottom:-170px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:74px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.15em;font-size:.76rem;font-weight:700;color:#a77d2d;margin:0 0 16px}.hero .eyebrow,.contact .eyebrow{color:var(--gold-light)}h1,h2{font-family:"Playfair Display",serif;letter-spacing:-.025em;line-height:1.08;margin:0;color:var(--navy)}h1{font-size:clamp(2.8rem,5.2vw,5.2rem);color:#fff;max-width:760px}.hero-lead{font-size:1.16rem;max-width:675px;color:#dce6ef;margin:25px 0 30px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:.75rem 1.35rem;border-radius:4px;text-decoration:none;font-weight:700}.primary{background:var(--gold);color:var(--navy)}.secondary{border:1px solid rgba(255,255,255,.5);color:#fff}.trust-line{display:flex;flex-wrap:wrap;gap:12px 28px;padding:0;margin:28px 0 0;list-style:none;color:#d5e1eb;font-size:.86rem}.trust-line li:before{content:"✓";color:var(--gold);font-weight:700;margin-right:8px}.protection-card{background:#fff;color:var(--ink);padding:36px;border-top:5px solid var(--gold);box-shadow:var(--shadow)}.protection-card h2{font-size:2rem}.protection-card>p{color:var(--muted)}.card-kicker{text-transform:uppercase;letter-spacing:.12em;font-weight:700;font-size:.72rem;color:#9b762e}.card-step{display:flex;gap:15px;padding:17px 0;border-top:1px solid var(--line)}.card-step>span{color:#ad8436;font-family:"Playfair Display",serif}.card-step strong,.card-step small{display:block}.card-step small{color:var(--muted)}section:not(.hero){padding:92px 0}.section-heading{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:end;margin-bottom:42px}.section-heading h2,.why h2,.about h2,.contact h2{font-size:clamp(2.2rem,4vw,3.7rem)}.section-heading p{font-size:1.05rem;color:var(--muted);margin:0}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);border-left:1px solid var(--line);border-top:1px solid var(--line)}.service{min-height:300px;padding:30px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;flex-direction:column}.service-number{color:#a8823a;font-size:.8rem}.service h3{font-family:"Playfair Display",serif;font-size:1.55rem;color:var(--navy);margin:45px 0 10px}.service p{color:var(--muted);margin:0 0 25px}.service a{margin-top:auto;text-decoration:none;font-weight:700;color:var(--blue)}.service.featured{background:var(--cream)}.service-cta{background:var(--navy);color:#fff;justify-content:center}.service-cta h3{color:#fff;margin:8px 0 24px}.service-cta .light{background:#fff;color:var(--navy);align-self:flex-start}.why{background:var(--cream)}.why-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px}.large-copy{font-size:1.15rem;color:#42505d}.benefit-list article{display:grid;grid-template-columns:50px 1fr;gap:22px;padding:26px 0;border-top:1px solid #d5cec0}.benefit-list article:last-child{border-bottom:1px solid #d5cec0}.benefit-list span{font-family:"Playfair Display",serif;color:#a77d2d}.benefit-list h3{margin:0;color:var(--navy);font-size:1.15rem}.benefit-list p{margin:5px 0 0;color:var(--muted)}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.process-grid article{padding:30px;background:#f6f8fa;border-bottom:3px solid var(--gold)}.process-grid strong{font-family:"Playfair Display",serif;font-size:2.2rem;color:#c89d4b}.process-grid h3{color:var(--navy);margin:18px 0 6px}.process-grid p{color:var(--muted);margin:0}.about{background:var(--navy);color:#dbe4ec}.about-grid{display:grid;grid-template-columns:.55fr 1fr;gap:90px;align-items:center}.about h2{color:#fff}.about .eyebrow{color:var(--gold-light)}.about .large-copy,.about p{color:#cad6e0}.experience{aspect-ratio:1;border:1px solid rgba(214,171,87,.55);border-radius:50%;display:grid;place-content:center;text-align:center;padding:30px}.experience strong{font-family:"Playfair Display",serif;color:var(--gold);font-size:clamp(4rem,8vw,7rem);line-height:.9}.experience span{max-width:180px;margin:15px auto 0}.text-link{color:var(--gold-light);font-weight:700;text-decoration:none}.contact{background:linear-gradient(120deg,#153c5c,#0b2238);color:#fff}.contact-box{display:grid;grid-template-columns:1fr auto;align-items:center;gap:50px}.contact h2{color:#fff;max-width:720px}.contact p{color:#d9e4ec}.contact-actions{display:flex;flex-direction:column;align-items:center;gap:10px}.gold{background:var(--gold);color:var(--navy);min-width:220px}.phone-link{font-size:1.22rem;font-weight:700;text-decoration:none}.contact-actions small{color:#c7d3dc}footer{background:#050f1a;color:#aab8c5;padding:60px 0 25px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:50px}.footer-grid>div:not(.brand){display:flex;flex-direction:column;gap:7px}.footer-grid strong{color:#fff}.footer-grid a{text-decoration:none}.footer-brand strong{color:#fff}.footer-brand small{color:#aab8c5}.legal{display:grid;grid-template-columns:.45fr 1fr;gap:30px;border-top:1px solid #24313d;margin-top:40px;padding-top:22px;font-size:.76rem;color:#7f91a1}
@media(max-width:900px){nav{display:none;position:absolute;left:0;right:0;top:84px;background:#fff;padding:22px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}nav.open{display:flex}.menu-button{display:block}.hero{padding:70px 0}.hero-grid,.why-grid,.about-grid{grid-template-columns:1fr;gap:45px}.service-grid{grid-template-columns:repeat(2,1fr)}.contact-box{grid-template-columns:1fr}.contact-actions{align-items:flex-start}.experience{width:min(370px,80vw)}}
@media(max-width:620px){.shell{width:min(100% - 28px,1160px)}.brand small{display:none}section:not(.hero){padding:70px 0}.hero{padding:58px 0}.hero-grid{gap:35px}.protection-card{padding:26px}.section-heading,.service-grid,.process-grid,.footer-grid,.legal{grid-template-columns:1fr;gap:22px}.service{min-height:260px}.why-grid,.about-grid{gap:38px}.contact{padding:70px 0}.button{width:100%}.hero-actions{display:grid}.trust-line{display:grid;gap:8px}.contact-actions{align-items:stretch}.contact-actions .phone-link,.contact-actions small{text-align:center}}
.brand-logo{display:block;width:190px;height:68px;object-fit:cover;object-position:center;background:#fff}
.footer-brand{align-items:flex-start;flex-direction:column}
.footer-logo{display:block;width:185px;height:92px;object-fit:cover;object-position:center;background:#fff;border-radius:3px;padding:2px}
.footer-brand small{color:#aab8c5}
@media(max-width:620px){.brand-logo{width:155px;height:58px}.footer-logo{width:170px;height:86px}}
.brand-logo{width:142px;height:58px;object-fit:contain;background:transparent}
.footer-logo{width:132px;height:auto;object-fit:contain;background:transparent;padding:0}
@media(max-width:620px){.brand-logo{width:124px;height:52px}.footer-logo{width:120px;height:auto}}
.agent-photo-wrap{position:relative;max-width:460px}
.agent-photo{display:block;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center top;border:1px solid rgba(214,171,87,.45);box-shadow:0 26px 55px rgba(0,0,0,.26)}
.experience-badge{position:absolute;right:-26px;bottom:28px;width:158px;height:158px;border-radius:50%;display:grid;place-content:center;text-align:center;padding:18px;background:var(--gold);color:var(--navy);box-shadow:0 14px 35px rgba(0,0,0,.26)}
.experience-badge strong{font-family:"Playfair Display",serif;font-size:3.1rem;line-height:.9}
.experience-badge span{font-size:.76rem;line-height:1.25;font-weight:700;margin-top:9px}
@media(max-width:900px){.agent-photo-wrap{width:min(460px,calc(100% - 20px))}}
@media(max-width:620px){.experience-badge{right:-8px;bottom:18px;width:128px;height:128px}.experience-badge strong{font-size:2.5rem}.experience-badge span{font-size:.68rem}}
.legal-page{background:var(--cream);min-height:100vh}.legal-header{background:var(--navy);padding:22px 0}.legal-header .brand-logo{height:58px;width:auto}.legal-content{width:min(860px,calc(100% - 40px));margin:60px auto;background:#fff;padding:clamp(28px,5vw,58px);box-shadow:var(--shadow);border-top:5px solid var(--gold)}.legal-content h1{color:var(--navy);font-size:clamp(2.4rem,5vw,4rem);margin-bottom:12px}.legal-content h2{font-size:2rem;margin-top:38px}.legal-content p,.legal-content li{color:#42505d}.legal-content a{color:var(--blue)}.legal-back{display:inline-block;margin-bottom:28px;color:var(--blue);font-weight:700;text-decoration:none}
.contact-box{grid-template-columns:.8fr 1.2fr}.contact .phone-link{display:block;margin-top:24px}.service-area{display:block;margin-top:8px;color:#c7d3dc}.quote-form-wrap{background:#fff;border-radius:6px;padding:12px;box-shadow:var(--shadow);min-height:462px}.quote-form-wrap iframe{display:block;width:100%;height:438px;border:0;border-radius:3px}@media(max-width:900px){.contact-box{grid-template-columns:1fr}.quote-form-wrap{width:100%}}@media(max-width:620px){.quote-form-wrap{padding:6px}}
.appointment-content{width:min(980px,calc(100% - 40px));margin:55px auto 70px}.appointment-content h1{color:var(--navy);font-size:clamp(2.5rem,5vw,4.4rem);max-width:760px}.appointment-intro{max-width:760px;color:var(--muted);font-size:1.08rem;margin:18px 0 30px}.calendar-wrap{background:#fff;padding:14px;box-shadow:var(--shadow);border-top:5px solid var(--gold)}.calendar-wrap iframe{display:block;width:100%;height:780px;border:0}.appointment-help{text-align:center;color:var(--muted);margin-top:24px}.appointment-help a{color:var(--blue);font-weight:700}@media(max-width:620px){.appointment-content{width:min(100% - 24px,980px);margin-top:38px}.calendar-wrap{padding:5px}.calendar-wrap iframe{height:850px}}