html,body{margin:0}img{max-width:100%}[hidden]{display:none!important}

/* Layout: fixed navy top bar, full-width color bands, one red rule ("the thin line") carried through every page header */
:root{
  --navy:#13233f; --navy-2:#1c3157; --red:#c41e2c; --red-ink:#a3121f;
  --bg:#f4f6f9; --surface:#ffffff; --fg:#162033; --muted:#566178; --line:#d9dfe8;
  --band:#13233f; --band-fg:#f4f6f9; --band-muted:#aab5c8;
  --display:"Big Shoulders Display","Oswald","Arial Narrow",sans-serif;
  --body:"Public Sans","Segoe UI",system-ui,sans-serif;
  --radius:6px;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0c1424; --surface:#132038; --fg:#e8edf5; --muted:#9aa7bd; --line:#26365a;
  --band:#08101e; --band-fg:#eef2f8; --band-muted:#8f9cb3; --red:#e2384a; --red-ink:#ff6b78; --navy-2:#1c3157; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0c1424; --surface:#132038; --fg:#e8edf5; --muted:#9aa7bd; --line:#26365a;
  --band:#08101e; --band-fg:#eef2f8; --band-muted:#8f9cb3; --red:#e2384a; --red-ink:#ff6b78; --navy-2:#1c3157; color-scheme:dark}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--fg);font-family:var(--body);font-size:16px;line-height:1.6}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
a{color:var(--red-ink)}
:focus-visible{outline:3px solid var(--red);outline-offset:2px}
.wrap{max-width:1140px;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
h1,h2,h3{font-family:var(--display);line-height:1.02;text-wrap:balance;margin:0;letter-spacing:.01em}
h1{font-size:clamp(2.6rem,7vw,4.8rem);font-weight:900;text-transform:uppercase}
h2{font-size:clamp(2rem,4.5vw,3rem);font-weight:800;text-transform:uppercase}
h3{font-size:1.55rem;font-weight:800;text-transform:uppercase}
p{margin:0;max-width:65ch}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--red-ink)}
.band .eyebrow{color:#ff8a94}
.lede{font-size:1.15rem;color:var(--muted)}
.band .lede{color:var(--band-muted)}

/* top bar */
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:10;background:var(--navy)}
header.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:9;background:var(--navy);color:#fff;border-bottom:3px solid var(--red)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
.brand .logo-icon{height:38px;width:auto;display:block}
.hero-grid{display:grid;gap:40px;align-items:center;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr)}
.hero-grid > *{min-width:0}
.hero-logo{width:100%;max-width:440px;height:auto;justify-self:center;filter:drop-shadow(0 6px 24px rgba(0,0,0,.35))}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.hero-logo{max-width:300px;justify-self:start;order:-1}}
.foot-logos{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-bottom:16px}
.foot-logos img{height:92px;width:auto;max-width:100%;display:block}
.broker-row{display:flex;gap:16px;align-items:center}

.brand .mark{font-family:var(--display);font-weight:900;font-size:2rem;line-height:1;letter-spacing:.04em;position:relative;padding-bottom:4px}
.brand .mark::after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:var(--red)}
.brand .name{font-size:.72rem;line-height:1.25;letter-spacing:.08em;text-transform:uppercase;color:#c9d2e2}
.brand .name b{display:block;color:#fff;font-size:.82rem}
nav.main{display:flex;gap:2px;flex-wrap:wrap;justify-content:flex-end}
nav.main a{color:#d7deea;text-decoration:none;font-size:.86rem;font-weight:600;padding:8px 10px;border-radius:4px;white-space:nowrap}
nav.main a:hover{color:#fff;background:var(--navy-2)}
nav.main a[aria-current="page"]{color:#fff;box-shadow:inset 0 -3px 0 var(--red)}
nav.main a.cta-nav{background:var(--red);color:#fff;margin-left:6px}
nav.main a.cta-nav:hover{background:#d92a39}
.menu-btn{display:none;background:none;border:2px solid #3a5280;color:#fff;font:600 .85rem var(--body);padding:8px 12px;border-radius:4px;cursor:pointer}
@media (max-width:1020px){
  .menu-btn{display:block}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);flex-direction:column;padding:8px max(16px,env(safe-area-inset-right,0px)) 16px max(16px,env(safe-area-inset-left,0px));border-bottom:3px solid var(--red)}
  nav.main.open{display:flex}
  nav.main a{padding:12px 10px;font-size:1rem}
  nav.main a.cta-nav{margin:8px 0 0;text-align:center}
}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font:700 .95rem var(--body);text-decoration:none;padding:14px 22px;border-radius:var(--radius);border:2px solid transparent;cursor:pointer;letter-spacing:.02em}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:#d92a39}
.btn-ghost{border-color:currentColor;color:var(--band-fg);background:transparent}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-row{display:flex;gap:12px;flex-wrap:wrap}

/* bands */
.band{background:var(--band);color:var(--band-fg)}
section.block{padding-block:72px}
.thin-line{height:3px;background:var(--red);width:100%;max-width:120px;margin-block:22px}

/* home hero */
.hero{position:relative;overflow:hidden;padding-block:88px 96px}
.hero::after{content:"";position:absolute;left:0;right:0;top:62%;height:3px;background:linear-gradient(90deg,transparent,var(--red) 18%,var(--red) 82%,transparent);opacity:.9}
.hero .wrap{position:relative;z-index:1;display:grid;gap:26px}
.hero h1{max-width:13ch}
.hero h1 span{color:#ff5a68}
.hero-facts{display:flex;gap:36px;flex-wrap:wrap;margin-top:36px;padding-top:24px}
.hero-facts div{font-size:.85rem;color:var(--band-muted);max-width:22ch}
.hero-facts strong{display:block;font-family:var(--display);font-size:2rem;font-weight:800;color:#fff;line-height:1.1}

/* page headers */
.page-head{padding-block:60px 54px}
.page-head .wrap{display:grid;gap:14px}

/* cards */
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr))}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:12px;min-width:0}
.card p{color:var(--muted)}
.card .more{margin-top:auto;font-weight:700;text-decoration:none;color:var(--red-ink)}
.card .more:hover{text-decoration:underline}
.svc{border-top:4px solid var(--navy)}
:root[data-theme="dark"] .svc{border-top-color:#3a5280}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .svc{border-top-color:#3a5280}}
.svc.feature{border-top-color:var(--red)}
.tag{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}

.split{display:grid;gap:48px;grid-template-columns:repeat(auto-fit,minmax(min(100%,380px),1fr));align-items:start}
.split > *{min-width:0}
.stack{display:grid;gap:18px}

/* checklist */
ul.check{list-style:none;padding:0;margin:0;display:grid;gap:12px}
ul.check li{padding-left:30px;position:relative}
ul.check li::before{content:"";position:absolute;left:0;top:.62em;width:16px;height:3px;background:var(--red)}

/* steps (real sequences only) */
ol.steps{list-style:none;padding:0;margin:0;display:grid;gap:18px;counter-reset:s}
ol.steps li{counter-increment:s;display:grid;grid-template-columns:48px 1fr;gap:14px;align-items:start}
ol.steps li::before{content:counter(s);font-family:var(--display);font-weight:900;font-size:2rem;line-height:1;color:var(--red-ink);border-bottom:3px solid var(--red);padding-bottom:4px;text-align:center}
ol.steps b{display:block}
ol.steps span{color:var(--muted)}

/* heroes offer */
.offer{display:grid;gap:2px;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.offer div{background:var(--surface);padding:24px}
.offer strong{display:block;font-family:var(--display);font-size:2.6rem;font-weight:900;line-height:1;color:var(--red-ink)}
.offer span{display:block;margin-top:8px;color:var(--muted);font-size:.92rem}
.who{display:flex;gap:8px;flex-wrap:wrap}
.who span{border:1px solid var(--line);background:var(--surface);border-radius:999px;padding:6px 14px;font-size:.85rem;font-weight:600}
.band .who span{background:transparent;border-color:#33466b;color:var(--band-fg)}

/* forms */
form.lead{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--red);border-radius:var(--radius);padding:28px;display:grid;gap:16px;color:var(--fg)}
form.lead h3{font-size:1.7rem}
.row2{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr))}
label{display:grid;gap:6px;font-size:.85rem;font-weight:600}
input,select,textarea{font:inherit;font-size:1rem;color:var(--fg);background:var(--bg);border:1px solid var(--line);border-radius:4px;padding:11px 12px;width:100%;min-width:0}
textarea{min-height:110px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid var(--red);outline-offset:0;border-color:var(--red)}
.consent{display:grid;grid-template-columns:20px 1fr;gap:10px;font-weight:400;font-size:.78rem;color:var(--muted);line-height:1.45}
.consent input{width:18px;height:18px;margin-top:2px;padding:0}
.fine{font-size:.78rem;color:var(--muted)}
.sent{display:none;background:var(--bg);border-left:4px solid var(--red);padding:14px 16px;font-size:.95rem}
form.done .sent{display:block}
form.done .fields{display:none}
.fields{display:grid;gap:16px}

/* team */
.person{display:grid;grid-template-columns:84px 1fr;gap:18px;align-items:start}
.avatar{width:84px;height:84px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:var(--display);font-weight:900;font-size:1.8rem;border:3px solid var(--red)}
.role{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--red-ink)}

/* testimonial placeholders */
.quote-slot{border:2px dashed var(--line);border-radius:var(--radius);padding:26px;display:grid;gap:10px;background:transparent;color:var(--muted);min-height:180px;align-content:center}
.quote-slot b{color:var(--fg);font-family:var(--display);font-size:1.3rem;text-transform:uppercase;letter-spacing:.02em}

/* listing placeholder */
.listing{padding:0;overflow:hidden}
.listing .ph{aspect-ratio:4/3;max-width:100%;background:repeating-linear-gradient(135deg,var(--bg) 0 14px,var(--line) 14px 15px);display:grid;place-items:center;color:var(--muted);font-size:.85rem;font-weight:600}
.listing .info{padding:20px;display:grid;gap:6px}
.price{font-family:var(--display);font-size:1.9rem;font-weight:800;line-height:1}

/* cta strip */
.strip .wrap{display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.strip{padding-block:46px;background:var(--red);color:#fff}
.strip h2{font-size:clamp(1.7rem,3.6vw,2.4rem)}
.strip .btn{background:#fff;color:var(--red-ink)}
.strip .btn.btn-outline{background:transparent;color:#fff;border-color:#fff}

/* contact */
.contact-line{display:grid;gap:4px}
.contact-line .k{font-size:.75rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.contact-line .v{font-family:var(--display);font-size:1.9rem;font-weight:800;line-height:1.1;color:var(--fg);text-decoration:none;user-select:all;overflow-wrap:anywhere}

/* footer */
footer{background:var(--band);color:var(--band-muted);padding-block:48px 36px;font-size:.88rem;border-top:3px solid var(--red)}
footer .cols{display:grid;gap:28px;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr))}
footer h4{font-family:var(--display);color:#fff;text-transform:uppercase;font-size:1.15rem;margin:0 0 10px;letter-spacing:.04em}
footer a{color:var(--band-fg);text-decoration:none}
footer a:hover{text-decoration:underline}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}
footer .legal{margin-top:36px;padding-top:20px;border-top:1px solid #26365a;display:grid;gap:8px;font-size:.78rem}
.ph-note{background:rgba(196,30,44,.12);color:inherit;padding:1px 6px;border-radius:3px;font-size:.85em}

.brand .logo-icon{height:38px;width:auto;display:block}
.prose{max-width:760px;display:grid;gap:14px}
.prose h2{font-size:1.9rem;margin-top:18px}
.prose ul{margin:0;padding-left:22px;display:grid;gap:6px}
.prose p{max-width:none}
.social a{display:inline-flex;gap:8px;align-items:center}