:root{
  --navy: #1F2F8F;
  --navy-deep: #141F63;
  --orange: #E8622C;
  --orange-deep: #C94E1E;
  --cream: #FAF7F1;
  --ink: #1D1B2E;
  --ink-soft: #55536B;
  --hairline: #DFD8C8;
  --white: #FFFFFF;
  --radius: 4px;
  --max: 1140px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:'Source Sans 3', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.display{
  font-family:'Playfair Display', Georgia, serif;
  color:var(--navy-deep);
  margin:0 0 .4em;
  font-weight:700;
  line-height:1.15;
}
.tagline{
  font-family:'Playfair Display', Georgia, serif;
  font-style:italic;
  font-weight:600;
  color:var(--orange);
}
p{margin:0 0 1em;}
a{color:var(--navy);}
img{max-width:100%;display:block;}

.wrap{max-width:var(--max);margin:0 auto;padding:0 28px;}

.squares{display:inline-flex;gap:8px;margin-bottom:10px;}
.squares span{width:14px;height:14px;background:var(--navy);display:inline-block;}
.squares span:last-child{background:var(--orange);transform:rotate(12deg);}

header.site{background:var(--white);border-bottom:1px solid var(--hairline);position:sticky;top:0;z-index:50;}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;}
.brand img{height:56px;width:auto;}
.brand .name{font-family:'Playfair Display',serif;font-weight:700;color:var(--navy-deep);font-size:1.3rem;letter-spacing:.2px;}
.brand .name small{display:block;font-family:'Source Sans 3',sans-serif;font-weight:600;font-size:.62rem;letter-spacing:2px;text-transform:uppercase;color:var(--orange);margin-top:2px;}
nav.main ul{list-style:none;display:flex;gap:30px;margin:0;padding:0;}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;letter-spacing:.3px;padding-bottom:4px;border-bottom:2px solid transparent;transition:border-color .15s ease, color .15s ease;}
nav.main a:hover, nav.main a.active{color:var(--navy);border-color:var(--orange);}

.hero{background:linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);color:var(--white);padding:76px 0 84px;position:relative;overflow:hidden;}
.hero::after{content:"";position:absolute;right:-60px;top:-60px;width:280px;height:280px;background:var(--orange);opacity:.14;transform:rotate(12deg);}
.hero h1{color:var(--white);font-size:2.6rem;max-width:680px;}
.hero .tagline{color:#FFB89C;font-size:1.25rem;display:block;margin-bottom:18px;}
.hero p.lead{color:#DCE0F5;max-width:560px;font-size:1.08rem;}
.hero .squares span{background:#fff;}
.hero .squares span:last-child{background:var(--orange);}

.page-hero{background:var(--navy-deep);color:var(--white);padding:52px 0 58px;}
.page-hero h1{color:var(--white);font-size:2.1rem;}
.page-hero .squares span{background:#fff;}
.page-hero .squares span:last-child{background:var(--orange);}

.btn{display:inline-block;background:var(--orange);color:var(--white);padding:13px 28px;border-radius:var(--radius);text-decoration:none;font-weight:700;letter-spacing:.3px;border:2px solid var(--orange);transition:background .15s ease, color .15s ease;}
.btn:hover{background:var(--orange-deep);border-color:var(--orange-deep);}
.btn.ghost{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.6);}
.btn.ghost:hover{background:rgba(255,255,255,.12);border-color:#fff;}
.btn.navy{background:var(--navy);border-color:var(--navy);}
.btn.navy:hover{background:var(--navy-deep);border-color:var(--navy-deep);}

section{padding:64px 0;}
section.tint{background:var(--white);border-top:1px solid var(--hairline);border-bottom:1px solid var(--hairline);}
.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:.78rem;font-weight:700;color:var(--orange);margin-bottom:10px;display:block;}
.section-head{max-width:640px;margin-bottom:40px;}

.grid{display:grid;gap:26px;}
.grid.cols-3{grid-template-columns:repeat(3,1fr);}
.grid.cols-2{grid-template-columns:repeat(2,1fr);}

.card{background:var(--white);border:1px solid var(--hairline);border-top:4px solid var(--navy);padding:30px 26px;border-radius:var(--radius);}
.card h3{font-size:1.25rem;margin-bottom:.5em;}
.card p{color:var(--ink-soft);margin-bottom:.6em;}
.card .fmo{display:inline-block;font-size:.78rem;font-weight:700;color:var(--navy);background:#EEF0FA;padding:4px 10px;border-radius:20px;margin-top:6px;}

.stat-row{display:flex;gap:50px;flex-wrap:wrap;margin-top:10px;}
.stat{min-width:120px;}
.stat .num{font-family:'Playfair Display',serif;font-size:2.4rem;color:var(--navy);font-weight:700;line-height:1;}
.stat .label{color:var(--ink-soft);font-size:.85rem;margin-top:4px;}

.states{display:flex;flex-wrap:wrap;gap:10px;margin-top:6px;}
.states span{background:var(--white);border:1px solid var(--hairline);padding:7px 14px;border-radius:20px;font-weight:600;font-size:.88rem;color:var(--navy-deep);}

.faq-item{border-bottom:1px solid var(--hairline);padding:20px 0;}
.faq-item summary{cursor:pointer;font-family:'Playfair Display',serif;font-weight:700;font-size:1.1rem;color:var(--navy-deep);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:20px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";font-family:'Source Sans 3',sans-serif;font-size:1.6rem;color:var(--orange);flex-shrink:0;transition:transform .15s ease;}
.faq-item[open] summary::after{transform:rotate(45deg);}
.faq-item .a{color:var(--ink-soft);margin-top:12px;max-width:680px;}

.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start;}
.contact-block{background:var(--white);border:1px solid var(--hairline);border-radius:var(--radius);padding:32px;}
.contact-block .row{display:flex;gap:14px;margin-bottom:20px;align-items:flex-start;}
.contact-block .row .lbl{font-weight:700;color:var(--navy);min-width:90px;font-size:.85rem;text-transform:uppercase;letter-spacing:1px;margin-top:3px;}
.contact-block .row .val{color:var(--ink);}
.contact-block .row .val small{display:block;color:var(--ink-soft);font-weight:400;margin-top:2px;}

form.contact-form{display:flex;flex-direction:column;gap:16px;}
form.contact-form label{font-weight:700;font-size:.85rem;color:var(--navy-deep);margin-bottom:6px;display:block;}
form.contact-form input, form.contact-form select, form.contact-form textarea{width:100%;padding:12px 14px;border:1px solid var(--hairline);border-radius:var(--radius);font-family:inherit;font-size:1rem;background:var(--white);}
form.contact-form textarea{min-height:120px;resize:vertical;}
form.contact-form button{align-self:flex-start;}
.form-note{font-size:.85rem;color:var(--ink-soft);margin-top:10px;}

footer.site{background:var(--navy-deep);color:#C9CEEB;padding:44px 0 30px;margin-top:40px;}
footer.site .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:30px;}
footer.site .brand-line{display:flex;align-items:center;gap:12px;}
footer.site .brand-line img{height:38px;filter:brightness(0) invert(1);opacity:.9;}
footer.site .brand-line span{font-family:'Playfair Display',serif;font-weight:700;color:#fff;}
footer.site nav ul{list-style:none;display:flex;gap:22px;padding:0;margin:0;flex-wrap:wrap;}
footer.site nav a{color:#C9CEEB;text-decoration:none;font-size:.92rem;}
footer.site nav a:hover{color:var(--orange);}
.footer-fine{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:20px;font-size:.78rem;color:#8D93BE;line-height:1.7;}

@media (max-width:860px){
  .grid.cols-3, .grid.cols-2{grid-template-columns:1fr;}
  .contact-grid{grid-template-columns:1fr;}
  nav.main ul{gap:18px;}
  .hero h1{font-size:2rem;}
}
@media (max-width:640px){
  nav.main{display:none;}
  header.site .wrap{padding-top:12px;padding-bottom:12px;}
}