:root {
  --navy: #14314f;
  --navy-dark: #0d2439;
  --teal: #2f5fce;
  --teal-bright: #4a7be0;
  --ink: #1f2d3d;
  --muted: #5a6a78;
  --line: #e3e8ec;
  --bg: #ffffff;
  --bg-soft: #f5f8f9;
  --radius: 10px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}

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

.wrap {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Header */
.site-header {
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(6px);
  z-index: 50;
}
.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.brand { display: flex; align-items: center; gap: 10px; }
.brand img { height: 40px; width: auto; }
.brand-text { font-weight: 700; font-size: 17px; color: var(--navy); letter-spacing: 0.2px; }
.brand-text span { color: var(--teal); }

nav.main-nav { display: flex; align-items: center; gap: 28px; }
nav.main-nav a {
  color: var(--ink);
  font-size: 15px;
  font-weight: 500;
}
nav.main-nav a:hover { color: var(--teal); text-decoration: none; }
nav.main-nav a.active { color: var(--teal); }

.btn {
  display: inline-block;
  padding: 11px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 14.5px;
  text-align: center;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
  border: none;
  cursor: pointer;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--teal); color: #fff; box-shadow: 0 4px 14px rgba(47,95,206,0.28); }
.btn-primary:hover { background: var(--teal-bright); }
.btn-outline { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-light { background: #fff; color: var(--navy); }

/* mobile nav toggle (kept simple, no JS dependency beyond checkbox) */
.nav-toggle { display: none; }
.hamburger { display: none; }
.mobile-nav { display: none; }

@media (max-width: 820px) {
  nav.main-nav { display: none; }
  .hamburger {
    display: flex;
    align-items: center; justify-content: center;
    width: 40px; height: 40px;
    border: 1px solid var(--line); border-radius: 8px;
    background: none; cursor: pointer;
  }
  .header-cta { display: none; }
  .nav-toggle:checked ~ .mobile-nav { display: flex; }
  .mobile-nav {
    display: none;
    flex-direction: column;
    padding: 8px 24px 20px;
    border-top: 1px solid var(--line);
    gap: 2px;
  }
  .mobile-nav a {
    padding: 12px 0;
    border-bottom: 1px solid var(--line);
    color: var(--navy);
    font-weight: 600;
  }
}

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  padding: 88px 0 96px;
  position: relative;
  overflow: hidden;
}
.hero .wrap { position: relative; z-index: 2; }
.hero-badge {
  display: inline-block;
  background: rgba(74,123,224,0.18);
  border: 1px solid rgba(74,123,224,0.5);
  color: #a9c2f5;
  font-size: 13px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 22px;
}
.hero h1 {
  font-size: 44px;
  line-height: 1.15;
  margin: 0 0 18px;
  max-width: 700px;
  font-weight: 800;
  letter-spacing: -0.5px;
}
.hero h1 em { color: var(--teal-bright); font-style: normal; }
.hero p.lead {
  font-size: 18px;
  color: #c9d6e0;
  max-width: 560px;
  margin: 0 0 34px;
}
.hero .cta-row { display: flex; gap: 14px; flex-wrap: wrap; }

.pulse-line {
  position: absolute;
  right: -40px; bottom: -20px;
  width: 480px;
  opacity: 0.12;
  z-index: 1;
}

/* Sections */
section { padding: 72px 0; }
.section-soft { background: var(--bg-soft); }
.section-navy { background: var(--navy); color: #fff; }
.eyebrow {
  color: var(--teal);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin: 0 0 10px;
}
h2 {
  font-size: 32px;
  color: var(--navy);
  margin: 0 0 16px;
  font-weight: 800;
  letter-spacing: -0.3px;
}
.section-navy h2 { color: #fff; }
.section-lead {
  color: var(--muted);
  font-size: 16.5px;
  max-width: 640px;
  margin: 0 0 40px;
}
.section-navy .section-lead { color: #c9d6e0; }

/* Grid / cards */
.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 900px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
}

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}
.card h3 {
  font-size: 17px;
  color: var(--navy);
  margin: 4px 0 8px;
}
.card p { color: var(--muted); font-size: 14.5px; margin: 0; }

/* Category cards (no emoji icons — a slim top accent + optional sub-list) */
.cat-card {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 3px solid var(--teal);
  border-radius: var(--radius);
  padding: 28px 26px;
}
.cat-card h3 { font-size: 18px; color: var(--navy); margin: 0 0 8px; }
.cat-card p { color: var(--muted); font-size: 14.5px; margin: 0 0 14px; }
.cat-list { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.cat-list li {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--navy);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  padding: 5px 11px;
  border-radius: 999px;
}

/* Carrier strip */
.carrier-strip { padding: 40px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.carrier-strip .carrier-label {
  text-align: center;
  color: var(--muted);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  margin: 0 0 24px;
}
.carrier-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px 14px;
}
.carrier-item {
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.3px;
  color: var(--navy);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  padding: 10px 18px;
  border-radius: 8px;
}
.section-navy .carrier-item {
  background: rgba(255,255,255,0.06);
  border-color: rgba(255,255,255,0.14);
  color: #fff;
}

/* Trust strip */
.trust-strip {
  display: flex;
  gap: 34px;
  flex-wrap: wrap;
  align-items: center;
  padding: 26px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.trust-item { display: flex; align-items: center; gap: 10px; color: var(--muted); font-size: 14px; font-weight: 600;}
.trust-item .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--teal); }

/* States */
.state-pill-row { display: flex; flex-wrap: wrap; gap: 12px; }
.state-pill {
  background: #fff;
  border: 1.5px solid var(--line);
  padding: 14px 22px;
  border-radius: 999px;
  font-weight: 700;
  color: var(--navy);
  font-size: 15px;
}
.state-pill.resident {
  border-color: var(--teal);
  background: rgba(47,95,206,0.06);
  color: var(--teal);
}

/* Steps */
.steps { counter-reset: step; }
.step {
  display: flex;
  gap: 18px;
  margin-bottom: 26px;
}
.step .num {
  counter-increment: step;
  flex-shrink: 0;
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: 15px;
}
.step h4 { margin: 4px 0 4px; color: var(--navy); font-size: 16px; }
.step p { margin: 0; color: var(--muted); font-size: 14.5px; }

/* Contact form */
.contact-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: start; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }

form.card { display: flex; flex-direction: column; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
label { font-size: 13.5px; font-weight: 600; color: var(--navy); margin-bottom: 6px; display: block; }
input, select, textarea {
  width: 100%;
  padding: 11px 13px;
  border: 1.5px solid var(--line);
  border-radius: 8px;
  font-size: 14.5px;
  font-family: inherit;
  color: var(--ink);
  background: #fff;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--teal); }
textarea { resize: vertical; min-height: 110px; }

.contact-info-item { display: flex; gap: 14px; margin-bottom: 22px; }
.contact-info-item .icon {
  width: 40px; height: 40px; flex-shrink: 0;
  border-radius: 9px;
  background: rgba(47,95,206,0.1);
  display: flex; align-items: center; justify-content: center;
  color: var(--teal); font-size: 18px;
}
.contact-info-item h4 { margin: 4px 0 3px; font-size: 14.5px; color: var(--navy); }
.contact-info-item p, .contact-info-item a { margin: 0; color: var(--muted); font-size: 14.5px; }

/* Footer */
footer {
  background: var(--navy-dark);
  color: #a9b8c4;
  padding: 50px 0 26px;
  font-size: 13.5px;
}
footer .foot-top {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 30px;
  padding-bottom: 30px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 22px;
}
footer .brand-text { color: #fff; }
footer a { color: #a9b8c4; }
footer a:hover { color: #fff; }
footer .foot-col h5 { color: #fff; font-size: 13px; text-transform: uppercase; letter-spacing: 1px; margin: 0 0 14px; }
footer .foot-col a { display: block; margin-bottom: 9px; }
.social-row { display: flex; gap: 10px; margin-top: 16px; }
.social-row a {
  width: 34px; height: 34px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.18);
  display: flex; align-items: center; justify-content: center;
  color: #a9b8c4;
  transition: border-color 0.15s ease, color 0.15s ease;
}
.social-row a:hover { border-color: var(--teal-bright); color: #fff; }
.social-row svg { width: 16px; height: 16px; fill: currentColor; }
.disclaimer {
  font-size: 12px;
  line-height: 1.7;
  color: #7d8b98;
  max-width: 980px;
}
.disclaimer p { margin: 0 0 10px; }

/* Page hero (interior pages) */
.page-hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  padding: 58px 0 60px;
}
.page-hero h1 { font-size: 34px; margin: 0 0 12px; font-weight: 800; }
.page-hero p { color: #c9d6e0; max-width: 620px; margin: 0; font-size: 16px; }
.breadcrumb { font-size: 13px; color: #8fa3b3; margin-bottom: 14px; }
.breadcrumb a { color: #8fa3b3; }

.cta-band {
  background: var(--teal);
  color: #fff;
  padding: 54px 0;
  text-align: center;
}
.cta-band h2 { color: #fff; margin-bottom: 10px; }
.cta-band p { color: rgba(255,255,255,0.9); margin-bottom: 26px; }
.cta-band .btn-primary { background: #fff; color: var(--teal); box-shadow: none; }
.cta-band .btn-primary:hover { background: var(--navy); color: #fff; }