:root {
  --navy:    #0D1F3C;
  --navy-mid:#1A3359;
  --red:     #C41230;
  --gold:    #B8933A;
  --cream:   #FAF8F4;
  --gray-100:#F3F2EE;
  --gray-300:#D6D3CC;
  --gray-600:#6B6760;
  --gray-900:#1C1B18;
  --white:   #FFFFFF;

  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body:    'Inter', system-ui, sans-serif;

  --max-w: 1120px;
  --section-pad: 64px 24px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-body); background: var(--white); color: var(--gray-900); line-height: 1.6; -webkit-font-smoothing: antialiased; }
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }

.eyebrow { font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--red); margin-bottom: 10px; }
.section-title { font-family: var(--font-display); font-size: clamp(26px, 4vw, 38px); line-height: 1.15; color: var(--navy); margin-bottom: 14px; }
.section-body { font-size: 15.5px; color: var(--gray-600); line-height: 1.7; max-width: 640px; }

.btn-primary { display: inline-block; background: var(--red); color: var(--white); font-weight: 600; font-size: 15px; padding: 14px 28px; border-radius: 4px; text-decoration: none; border: none; cursor: pointer; transition: background 0.2s; }
.btn-primary:hover { background: #a50f27; }
.btn-ghost { display: inline-block; border: 1.5px solid var(--navy); color: var(--navy); font-weight: 600; font-size: 15px; padding: 12.5px 28px; border-radius: 4px; text-decoration: none; transition: all 0.2s; }
.btn-ghost:hover { background: var(--navy); color: var(--white); }

/* ── TOP BAR ── */
.topbar { background: var(--navy); color: rgba(255,255,255,0.75); font-size: 12.5px; padding: 8px 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 6px; }
.topbar a { color: var(--white); text-decoration: none; font-weight: 500; }
.topbar a:hover { text-decoration: underline; }
.topbar-langs { font-style: italic; color: rgba(255,255,255,0.6); }

/* ── NAV ── */
nav { background: var(--white); border-bottom: 1px solid var(--gray-300); padding: 0 24px; position: sticky; top: 0; z-index: 100; box-shadow: 0 1px 8px rgba(0,0,0,0.06); }
.nav-inner { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; height: 76px; gap: 16px; }
.nav-logo { display: flex; flex-direction: column; text-decoration: none; grid-column: 2; text-align: center; align-items: center; white-space: nowrap; }
.nav-logo-primary { font-family: var(--font-display); font-size: 22px; color: var(--navy); line-height: 1.1; }
.nav-logo-secondary { font-size: 10.5px; font-weight: 500; color: var(--red); letter-spacing: 0.06em; text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 20px; list-style: none; }
.nav-links-left { grid-column: 1; justify-self: start; }
.nav-links-right { grid-column: 3; justify-self: end; }
.nav-links a { font-size: 13.5px; font-weight: 500; color: var(--gray-600); text-decoration: none; transition: color 0.15s; white-space: nowrap; }
.nav-links a:hover, .nav-links a.active { color: var(--navy); }
.nav-cta { background: var(--red); color: var(--white) !important; padding: 9px 16px; border-radius: 4px; font-weight: 600 !important; }
.nav-cta:hover { background: #a50f27; color: var(--white) !important; }

/* ── MOBILE STICKY CTA ── */
.mobile-cta-bar { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 200; background: var(--white); border-top: 1px solid var(--gray-300); box-shadow: 0 -4px 16px rgba(0,0,0,0.08); padding: 10px 14px; gap: 10px; }
.mobile-cta-bar a { flex: 1; text-align: center; padding: 13px 6px; border-radius: 6px; font-weight: 600; font-size: 13.5px; text-decoration: none; white-space: nowrap; }
.mobile-cta-call { background: var(--red); color: var(--white); }
.mobile-cta-text { background: var(--gold); color: var(--navy); }
.mobile-cta-quote { background: var(--navy); color: var(--white); }

/* ── HERO ── */
.hero { background: var(--navy); color: var(--white); padding: 60px 24px 56px; position: relative; overflow: hidden; }
.hero::before { content:''; position:absolute; top:0; right:0; width:45%; height:100%; background: linear-gradient(135deg, transparent 40%, rgba(196,18,48,0.12) 100%); pointer-events:none; }
.hero-inner { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; position: relative; }
.hero-eyebrow { font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.hero h1 { font-family: var(--font-display); font-size: clamp(30px, 4.6vw, 46px); line-height: 1.12; margin-bottom: 18px; color: var(--white); }
.hero h1 em { font-style: italic; color: var(--gold); }
.hero-sub { font-size: 16.5px; color: rgba(255,255,255,0.75); line-height: 1.7; margin-bottom: 28px; max-width: 480px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-ctas .btn-ghost { border-color: rgba(255,255,255,0.4); color: var(--white); }
.hero-ctas .btn-ghost:hover { background: rgba(255,255,255,0.1); color: var(--white); }
.hero-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); border-radius: 8px; padding: 28px; }
.hero-card-title { font-family: var(--font-display); font-size: 19px; color: var(--gold); margin-bottom: 18px; }
.hero-stat { display: flex; flex-direction: column; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.hero-stat:last-child { border-bottom: none; }
.hero-stat-label { font-size: 12px; color: rgba(255,255,255,0.5); margin-bottom: 3px; }
.hero-stat-value { font-size: 15px; font-weight: 500; color: var(--white); }

.locator-band { background: var(--red); color: var(--white); padding: 16px 24px; text-align: center; }
.locator-band p { font-size: clamp(13.5px, 2.2vw, 15.5px); }
.locator-band strong { font-weight: 700; }

/* ── PAGE HEADER (non-home pages) ── */
.page-header { background: var(--navy); color: var(--white); padding: 44px 24px 40px; text-align:center; }
.page-header .eyebrow { color: var(--gold); }
.page-header h1 { font-family: var(--font-display); font-size: clamp(28px, 4.4vw, 42px); color: var(--white); max-width: 720px; margin: 0 auto 12px; }
.page-header p { color: rgba(255,255,255,0.72); max-width: 620px; margin: 0 auto; font-size: 15.5px; line-height: 1.7; }

/* ── GENERIC SECTION ── */
.section { padding: var(--section-pad); }
.section.alt { background: var(--gray-100); }
.section-inner { max-width: var(--max-w); margin: 0 auto; }

/* ── CARD GRID ── */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 30px; }
.card-grid.cols-2 { grid-template-columns: 1fr 1fr; }
.info-card { background: var(--white); border: 1px solid var(--gray-300); border-radius: 8px; padding: 24px; }
.info-card.filled { background: var(--gray-100); }
.info-card-icon { font-size: 24px; margin-bottom: 12px; display: block; }
.info-card h3 { font-family: var(--font-display); font-size: 18px; color: var(--navy); margin-bottom: 8px; }
.info-card p { font-size: 13.5px; color: var(--gray-600); line-height: 1.65; }
.info-card ul { margin-top: 10px; padding-left: 18px; }
.info-card li { font-size: 13.5px; color: var(--gray-600); line-height: 1.8; }

/* ── PROS/CONS ── */
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 30px; }
.compare-card { border-radius: 8px; padding: 26px; border: 1px solid var(--gray-300); }
.compare-card.pro { border-top: 4px solid var(--gold); }
.compare-card.con { border-top: 4px solid var(--navy); }
.compare-card h3 { font-family: var(--font-display); font-size: 19px; color: var(--navy); margin-bottom: 14px; }
.compare-card ul { padding-left: 18px; }
.compare-card li { font-size: 13.5px; color: var(--gray-600); line-height: 1.9; }

/* ── DISCLAIMER ── */
.disclaimer { background: var(--cream); border: 1px solid var(--gray-300); border-radius: 8px; padding: 20px 24px; font-size: 13px; color: var(--gray-600); line-height: 1.7; margin-top: 32px; }
.disclaimer strong { color: var(--navy); }

/* ── QUOTE FORM ── */
.quote { padding: var(--section-pad); background: var(--gray-100); }
.quote-inner { max-width: 640px; margin: 0 auto; }
.quote-form { background: var(--white); border: 1px solid var(--gray-300); border-radius: 8px; padding: 28px; }
.form-row { margin-bottom: 16px; }
.form-row label { display: block; font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form-row input, .form-row select, .form-row textarea { width: 100%; padding: 11px 12px; border: 1px solid var(--gray-300); border-radius: 5px; font-family: var(--font-body); font-size: 14.5px; color: var(--gray-900); background: var(--white); }
.form-row input:focus, .form-row select:focus, .form-row textarea:focus { outline: 2px solid var(--navy); outline-offset: 1px; }
.form-row textarea { resize: vertical; min-height: 80px; }
.form-two { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.quote-form .btn-primary { width: 100%; text-align: center; font-size: 15.5px; padding: 15px; }
.form-note { font-size: 12.5px; color: var(--gray-600); margin-top: 10px; text-align: center; }

/* ── SISTER AGENCY BAND ── */
.sister-band { background: var(--cream); border-top: 1px solid var(--gray-300); border-bottom: 1px solid var(--gray-300); padding: 28px 24px; text-align: center; }
.sister-band p { font-size: 14px; color: var(--gray-600); }
.sister-band a { color: var(--red); font-weight: 600; text-decoration: none; }
.sister-band a:hover { text-decoration: underline; }

/* ── CTA BAND ── */
.cta-band { background: var(--navy); color: var(--white); text-align: center; padding: 56px 24px; }
.cta-band h2 { font-family: var(--font-display); font-size: clamp(24px,4vw,34px); margin-bottom: 10px; }
.cta-band p { font-size: 15.5px; color: rgba(255,255,255,0.7); margin-bottom: 26px; }
.cta-band-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn-white { background: var(--white); color: var(--navy); font-weight: 600; padding: 14px 28px; border-radius: 4px; text-decoration: none; font-size: 15px; }
.cta-band .btn-ghost { border-color: rgba(255,255,255,0.4); color: var(--white); }
.cta-band .btn-ghost:hover { background: rgba(255,255,255,0.1); color: var(--white); }

/* ── FOOTER ── */
footer { background: var(--gray-900); color: rgba(255,255,255,0.6); padding: 40px 24px 24px; }
.footer-inner { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; padding-bottom: 28px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand-name { font-family: var(--font-display); font-size: 18px; color: var(--white); margin-bottom: 4px; }
.footer-brand-sub { font-size: 12px; color: var(--gold); margin-bottom: 12px; }
.footer-desc { font-size: 13px; line-height: 1.7; max-width: 320px; }
.footer-col-title { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--white); margin-bottom: 14px; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.footer-links a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 13.5px; }
.footer-links a:hover { color: var(--white); }
.footer-bottom { max-width: var(--max-w); margin: 0 auto; padding-top: 18px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; font-size: 12px; }

/* ── RESPONSIVE ── */
@media (max-width: 860px) {
  body { padding-bottom: 68px; }
  .mobile-cta-bar { display: flex; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .compare-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 28px; }
  .nav-links { display: none; }
  .form-two { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .card-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .topbar { justify-content: center; text-align: center; }
}