:root {
  --navy: #05057f;
  --navy-dark: #02024d;
  --gold: #ffd36a;
  --coral: #ff4a3f;
  --white: #ffffff;
  --ink: #10121a;
  --muted: #5b6070;
  --soft: #f5f6fb;
  --shadow: 0 18px 45px rgba(0, 0, 0, .18);
  --radius: 22px;
  --content-width: min(80vw, 1080px);
  --hero-width: min(80vw, 1180px);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.5;
  background: var(--white);
}
img { max-width: 100%; display: block; }
a { color: inherit; }
.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  padding: .75rem 1rem;
  background: var(--gold);
  color: var(--navy-dark);
  z-index: 100;
}
.skip-link:focus { left: 0; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: linear-gradient(90deg, var(--navy-dark), var(--navy));
  box-shadow: 0 4px 18px rgba(0,0,0,.16);
}
.nav {
  width: min(var(--content-width), calc(100% - 32px));
  margin: 0 auto;
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: .75rem;
  text-decoration: none;
  color: var(--gold);
  font-family: Georgia, 'Times New Roman', serif;
  font-style: italic;
  font-weight: 700;
  letter-spacing: .03em;
  font-size: clamp(.95rem, 1.45vw, 1.3rem);
}
.brand img { width: 58px; height: 58px; object-fit: contain; }
.site-menu { display: flex; align-items: center; gap: 1.4rem; }
.site-menu a {
  color: var(--gold);
  text-decoration: none;
  font-family: Georgia, 'Times New Roman', serif;
  font-weight: 700;
  font-style: italic;
  font-size: 1rem;
}
.site-menu a:hover { color: var(--white); }
.menu-toggle {
  display: none;
  border: 1px solid rgba(255,255,255,.35);
  background: transparent;
  color: var(--white);
  border-radius: 999px;
  padding: .55rem .9rem;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: .68rem 1rem;
  border: 0;
  border-radius: 999px;
  font-weight: 800;
  text-decoration: none;
  text-align: center;
  cursor: pointer;
}
.button-coral {
  background: var(--coral);
  color: var(--white);
  box-shadow: 0 8px 18px rgba(255,74,63,.3);
}
.button-coral:hover { filter: brightness(1.05); transform: translateY(-1px); }

.hero-top {
  background: radial-gradient(circle at 50% 40%, #1212a0 0%, var(--navy) 42%, var(--navy-dark) 100%);
  color: var(--white);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1.5rem;
  align-items: center;
  padding: clamp(2rem, 5vw, 4.5rem) max(24px, calc((100vw - 1200px) / 2));
}
.hero-identity { display: flex; align-items: center; gap: clamp(1rem, 3vw, 3rem); }
.hero-identity img { width: clamp(95px, 12vw, 145px); }
.eyebrow, .section-kicker {
  margin: 0 0 .5rem;
  font-weight: 800;
  letter-spacing: .02em;
}
.eyebrow { font-family: Georgia, 'Times New Roman', serif; font-style: italic; }
.gold { color: var(--gold); }
.hero-identity h1 {
  margin: 0;
  color: var(--gold);
  font-family: Georgia, 'Times New Roman', serif;
  font-size: clamp(1.9rem, 4.1vw, 3rem);
  font-style: italic;
}
.hero-actions { display: grid; gap: .85rem; width: 176px; }

.hero-panel {
  position: relative;
  overflow: hidden;
  background: #ffffff;
}
.hero-panel-image-only {
  min-height: 0;
  padding: 0;
  display: block;
  text-align: center;
}
.hero-panel-art {
  display: block;
  width: var(--hero-width);
  max-width: 100%;
  height: auto;
  margin: 0 auto;
}


.hero-copy { width: min(1100px, 100%); }
.section-kicker { color: var(--navy); font-size: clamp(1.7rem, 4vw, 3.8rem); }
.hero h2 {
  margin: .25rem 0 1.5rem;
  color: var(--navy);
  font-size: clamp(2.8rem, 7vw, 5.7rem);
  line-height: 1.14;
}
.lead {
  width: min(1120px, 100%);
  margin: 0 auto 1.7rem;
  color: #080808;
  font-weight: 800;
  font-size: clamp(1.15rem, 2.5vw, 2.25rem);
}
.check-list {
  width: min(850px, 100%);
  margin: 0 auto;
  padding: 0;
  text-align: left;
  list-style: none;
  font-size: clamp(1rem, 2vw, 1.55rem);
  font-weight: 800;
}
.check-list li { position: relative; padding-left: 3.1rem; margin: .7rem 0; }
.check-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: -.2rem;
  color: green;
  font-size: 2.5rem;
  line-height: 1;
}

.section { padding: clamp(3rem, 7vw, 6rem) 0; }
.container { width: min(var(--content-width), calc(100% - 32px)); margin: 0 auto; }
.narrow { width: min(780px, calc(100% - 32px)); }
.center { text-align: center; }
.section-white { background: var(--white); }
.section h2 {
  margin: 0 0 .75rem;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3.25rem);
  line-height: 1.1;
}
.section-intro { margin: 0 auto 2rem; color: var(--muted); font-size: 1.15rem; }
.small-logo { display: inline-flex; margin: 0 auto 1rem; }
.small-logo.left { margin-left: 0; }
.small-logo img { width: 68px; height: 68px; object-fit: cover; border-radius: 50%; background: var(--navy); }
.card-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.help-grid { margin-top: 2rem; }
.info-card {
  background: radial-gradient(circle at 50% 35%, #1515a7, var(--navy) 65%, var(--navy-dark));
  color: var(--white);
  padding: 2rem;
  min-height: 190px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  justify-content: center;
  text-align: center;
}
.info-card h3 { color: var(--gold); margin: 0 0 .75rem; }
.info-card p { margin: 0; font-weight: 700; }

.section-band {
  background: linear-gradient(180deg, var(--navy-dark), var(--navy));
  color: var(--white);
}
.section-band h2 { color: var(--white); font-family: Georgia, 'Times New Roman', serif; font-style: italic; }
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(1rem, 3vw, 4rem); margin-top: 2rem; }
.feature-card {
  background: var(--white);
  color: var(--white);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.feature-card h3,
.feature-card p {
  margin: 0;
  min-height: 100px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 1.25rem;
  background: radial-gradient(circle at 50% 45%, #1515a7, var(--navy) 70%, var(--navy-dark));
  font-weight: 800;
}
.feature-card img { width: 100%; aspect-ratio: 1.45 / 1; object-fit: cover; }

.story-layout {
  display: grid;
  grid-template-columns: 1.45fr .75fr;
  align-items: center;
  gap: clamp(2rem, 5vw, 5rem);
}
.story-copy h2 { font-family: Georgia, 'Times New Roman', serif; font-style: italic; }
.story-copy p { font-size: 1.1rem; }
.agent-card {
  background: var(--soft);
  border-radius: var(--radius);
  padding: 1.25rem;
  box-shadow: var(--shadow);
  text-align: center;
}
.agent-card img { width: 100%; border-radius: calc(var(--radius) - 6px); }
.agent-card p { margin: 1rem 0 0; font-weight: 800; color: var(--navy); }
.testimonials { margin-top: 4rem; text-align: center; }
.testimonials h3 { color: var(--navy); font-size: 1.8rem; }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
blockquote {
  margin: 0;
  padding: 1.5rem;
  border-radius: var(--radius);
  background: var(--soft);
  border-top: 5px solid var(--gold);
}
blockquote p { margin-top: 0; font-family: Georgia, 'Times New Roman', serif; font-style: italic; }
cite { color: var(--muted); font-style: normal; font-weight: 700; }

.contact-section {
  background: radial-gradient(circle at 25% 45%, #1515a7, var(--navy) 55%, var(--navy-dark));
  color: var(--white);
}
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 5rem); align-items: center; }
.contact-copy h2 { color: var(--white); }
.coverage-list { padding-left: 1.25rem; font-size: 1.45rem; font-weight: 800; }
.lets-chat { color: var(--gold); font-family: Georgia, 'Times New Roman', serif; font-style: italic; font-size: 1.8rem; font-weight: 800; }
.phone-large { color: var(--white); font-size: clamp(2rem, 5vw, 3.3rem); font-weight: 900; text-decoration: none; }
.quote-form {
  background: var(--white);
  color: var(--ink);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: clamp(1.25rem, 3vw, 2rem);
}
.quote-form h3 { margin: 0; color: var(--navy); font-size: 2rem; }
.jotform-heading p { margin: .35rem 0 1rem; color: var(--muted); font-weight: 700; }
.jotform-embed-wrap {
  width: 100%;
  height: min(76vh, 780px);
  min-height: 600px;
  overflow: hidden;
  border: 1px solid #d7d9e5;
  border-radius: 14px;
  background: var(--white);
}
.jotform-embed-wrap iframe {
  display: block;
  width: 100%;
  height: 100%;
  border: 0;
}
.form-note { color: var(--muted); font-size: .9rem; margin-bottom: 0; }
.form-note a { color: var(--navy); font-weight: 800; }

.site-footer { background: var(--navy-dark); color: var(--white); padding: 2rem 0; }
.footer-layout { display: flex; justify-content: space-between; gap: 1rem; align-items: center; }
.site-footer a { color: var(--gold); font-weight: 800; }





/* V4 desktop scale refinement */
.hero-top {
  display: block;
  padding: clamp(1.25rem, 2.6vw, 2rem) 0;
}
.hero-top-inner {
  width: var(--hero-width);
  max-width: calc(100% - 32px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1.5rem;
  align-items: center;
}
.hero-identity { gap: clamp(.9rem, 2.4vw, 2.2rem); }
.hero-identity img { width: clamp(88px, 9vw, 128px); }
.hero-identity h1 { font-size: clamp(1.9rem, 4.1vw, 3rem); }
.hero-actions { gap: .85rem; width: 176px; }
.hero-panel-art {
  width: var(--hero-width);
  max-width: 100%;
}

@media (min-width: 1000px) {
  .site-header { position: sticky; }
  .nav { min-height: 72px; }
  .brand img { width: 52px; height: 52px; }
  .site-menu { gap: 1.1rem; }
  .hero { background: #fff; }
  .hero-top-inner { gap: 1.25rem; }
  .eyebrow { font-size: 1.05rem; }
  .button { font-size: .98rem; }
}

@media (max-width: 900px) {
  .menu-toggle { display: inline-flex; }
  .site-menu {
    position: absolute;
    left: 16px;
    right: 16px;
    top: 76px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--navy-dark);
    border: 1px solid rgba(255,255,255,.18);
    border-radius: 16px;
    overflow: hidden;
  }
  .site-menu.open { display: flex; }
  .site-menu a { padding: 1rem; border-top: 1px solid rgba(255,255,255,.12); }
  .hero-top-inner, .story-layout, .contact-layout { grid-template-columns: 1fr; }
  .hero-actions { width: 100%; grid-template-columns: repeat(2, 1fr); }
  .card-grid, .feature-grid, .testimonial-grid { grid-template-columns: 1fr; }
  .hero-panel { min-height: 0; }
}

@media (max-width: 560px) {
  .brand span { font-size: .95rem; }
  .brand img { width: 48px; height: 48px; }
  .hero-actions { grid-template-columns: 1fr; }
  .hero-identity { align-items: flex-start; }
  .hero-panel { min-height: 0; }
  .footer-layout { display: block; }
}


/* V5 tighter desktop layout + local SEO content styling */
.site-header {
  background: #ffffff;
  box-shadow: none;
}
.nav {
  width: var(--hero-width);
  max-width: calc(100% - 32px);
  min-height: 64px;
  padding: 0 clamp(1.25rem, 2.5vw, 2rem);
  background: linear-gradient(90deg, var(--navy-dark), var(--navy));
  box-shadow: 0 4px 18px rgba(0,0,0,.16);
}
.brand { font-size: clamp(.9rem, 1.25vw, 1.12rem); }
.brand img { width: 46px; height: 46px; }
.site-menu { gap: .95rem; }
.site-menu a { font-size: .95rem; }
.hero-top {
  background: #ffffff;
  padding: 0;
}
.hero-top-inner {
  width: var(--hero-width);
  max-width: calc(100% - 32px);
  padding: clamp(1.2rem, 2.4vw, 1.8rem) clamp(1.5rem, 3vw, 2.5rem);
  background: radial-gradient(circle at 50% 40%, #1212a0 0%, var(--navy) 42%, var(--navy-dark) 100%);
}
.hero-identity img { width: clamp(78px, 7.5vw, 104px); }
.hero-identity h1 { font-size: clamp(1.75rem, 3.35vw, 2.55rem); line-height: 1.08; }
.eyebrow { font-size: clamp(.9rem, 1.3vw, 1rem); }
.hero-actions { width: 158px; gap: .7rem; }
.button { min-height: 38px; padding: .6rem .85rem; font-size: .88rem; }
.hero-panel-art {
  width: var(--hero-width);
  max-width: calc(100% - 32px);
}
.section { padding: clamp(2.35rem, 5.2vw, 4.5rem) 0; }
.local-seo-panel {
  margin-top: clamp(2rem, 4vw, 3.5rem);
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: clamp(1.5rem, 4vw, 3rem);
  align-items: center;
  padding: clamp(1.5rem, 3vw, 2.25rem);
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  color: var(--white);
  box-shadow: var(--shadow);
}
.local-seo-panel h2 { color: var(--white); font-size: clamp(1.7rem, 3vw, 2.6rem); }
.local-seo-panel p { margin-bottom: 0; font-size: 1.05rem; }
.local-list {
  margin: 0;
  padding-left: 1.2rem;
  font-weight: 800;
}
.local-list li { margin: .5rem 0; }
.faq-section { background: #fafbff; }
.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}
.faq-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.4rem;
  box-shadow: 0 12px 30px rgba(0,0,0,.09);
  border-top: 4px solid var(--gold);
}
.faq-card h3 { margin: 0 0 .65rem; color: var(--navy); }
.faq-card p { margin: 0; color: var(--muted); font-weight: 650; }
@media (max-width: 900px) {
  :root { --content-width: min(100vw, 1080px); --hero-width: min(100vw, 1180px); }
  .site-header { background: linear-gradient(90deg, var(--navy-dark), var(--navy)); }
  .nav { max-width: 100%; width: 100%; border-radius: 0; }
  .hero-top-inner { max-width: 100%; width: 100%; border-radius: 0; }
  .hero-panel-art { max-width: 100%; width: 100%; }
  .local-seo-panel, .faq-grid { grid-template-columns: 1fr; }
}