:root{--navy:#061f2e;--navy2:#0b3043;--gold:#c78a35;--champ:#e7c98e;--cream:#faf7f0;--ink:#071c2a;--line:#dfd7c8;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--cream);font-family:Inter,Segoe UI,Arial,sans-serif}.wrap{width:min(1110px,calc(100% - 36px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:99}.topbar{height:34px;background:var(--navy);color:#fff;font-size:12px}.topbar-inner{height:100%;display:flex;align-items:center;justify-content:space-between}.topbar a{color:#fff;text-decoration:none}.topbar span:first-child{color:#f3ba64}.sep{opacity:.35;margin:0 14px}.header{height:58px;background:#fff;box-shadow:0 2px 18px #00132014;position:relative;z-index:20}.nav-wrap{height:100%;display:flex;align-items:center;gap:25px}.brand{display:flex;align-items:center;text-decoration:none;color:var(--ink);margin-right:auto}.monogram{font:italic 34px Georgia;color:var(--gold);border-right:1px solid #c9b58a;padding-right:10px;margin-right:10px}.brand strong{font:24px Georgia}.brand small{display:block;font-size:8px;letter-spacing:1.7px;color:#66747d;margin-top:2px}.nav{display:flex;gap:28px}.nav a{font-size:13px;color:var(--ink);text-decoration:none;padding:21px 0 17px;border-bottom:3px solid transparent}.nav a:hover,.nav a.active{border-color:var(--gold)}.gold-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:linear-gradient(135deg,#d8a452,#b87821);color:#fff;border:1px solid #d7b06e;text-decoration:none;font-size:12px;font-weight:800;letter-spacing:.7px;padding:15px 22px;box-shadow:0 8px 22px #040f1825}.nav-cta{padding:12px 22px}.menu{display:none;background:none;border:0;width:38px}.menu span{display:block;height:2px;background:var(--navy);margin:7px 0}.hero{height:390px;background:var(--navy);position:relative;overflow:hidden}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#051d2d 0%,#071e2ddc 37%,transparent 66%)}.hero-photo{position:absolute;right:0;top:0;width:68%;height:100%;background:url('assets/hero.png') center/cover no-repeat;animation:heroZoom 1.2s ease-out both}.hero-inner{position:relative;height:100%;z-index:2;display:flex;align-items:center}.hero-copy{color:#fff;max-width:550px;animation:rise .75s ease-out both}.eyebrow{font-size:11px;letter-spacing:4px;font-weight:800;color:#e5af5d}.hero h1{font:58px/0.98 Georgia,serif;margin:8px 0 12px}.hero h1 em,.about h2 em{color:#edbd70;font-weight:400}.gold-rule{display:block;width:82px;height:3px;background:var(--gold);margin:8px 0 16px;animation:lineGrow .9s .3s both}.lead{font-size:16px;line-height:1.45}.hero-actions{display:flex;gap:14px;margin-top:14px}.phone-btn{display:inline-flex;gap:14px;align-items:center;border:1px solid #fff;color:#fff;padding:13px 24px;text-decoration:none}.services-wrap{background:#f7f6f2}.services{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;position:relative;z-index:5;margin-top:-28px}.service{background:#fff;border:1px solid #eee7dc;border-radius:11px;box-shadow:0 10px 30px #12202c14;padding:18px 17px 14px;min-height:210px;transition:.25s}.service:hover{transform:translateY(-4px);border-color:var(--gold)}.service-top{display:flex;gap:11px;align-items:center}.service svg{width:48px;height:48px;fill:none;stroke:var(--gold);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}.service h2{font:26px Georgia;margin:0}.service p{font-size:11px;margin:2px 0;color:#4b5860}.service ul{list-style:none;padding:6px 0;margin:5px 0}.service li{font-size:11px;margin:7px 0}.service li:before{content:"✓";color:#b87622;margin-right:7px}.service>a{color:#a76518;text-decoration:none;font-size:11px}.benefits{display:grid;grid-template-columns:repeat(4,1fr);padding:22px 0 18px}.benefits>div{display:flex;align-items:center;gap:12px;padding:0 20px;border-right:1px solid #ded6c8}.benefits>div:last-child{border:0}.benefits span{color:var(--gold);font-size:31px}.benefits p{font-size:11px;margin:0}.benefits strong{font-size:14px}.about{display:grid;grid-template-columns:minmax(270px,1.05fr) minmax(350px,1.2fr) minmax(290px,.85fr);background:#f5f0e7;min-height:340px}.agent{min-height:340px;overflow:hidden}.agent img{width:100%;height:100%;object-fit:cover;object-position:center}.about-copy{padding:42px 48px}.eyebrow.dark{color:#a86b1f}.about h2{font:39px Georgia;margin:8px 0 15px}.about-copy>p:not(.eyebrow){font-size:13px;line-height:1.55;color:#44515a}.trust{display:flex;gap:28px;margin:24px 0}.trust span{display:flex;color:var(--gold);font-size:25px;gap:7px}.trust small{color:#303d45;font-size:10px;line-height:1.3}.dark-btn{display:inline-block;background:var(--navy);color:#f3c878;text-decoration:none;padding:12px 24px;font-size:12px}.quote-panel{background:var(--navy);color:#fff;margin:20px 7% 20px 0;padding:18px 20px;box-shadow:0 18px 35px #00101d2f;align-self:center}.quote-panel h2{font:30px Georgia;margin:0}.quote-panel p{font-size:11px}.quote-panel label{display:block;font-size:9px;margin-top:7px}.quote-panel input,.quote-panel select,.quote-panel textarea{width:100%;margin-top:3px;border:1px solid #d6d6d6;background:#fff;padding:8px;font:11px inherit}.quote-panel textarea{height:48px;resize:none}.quote-panel button{border:0;width:100%;margin-top:9px;padding:10px}.quote-panel small{display:block;font-size:8px;line-height:1.35;color:#d5dce0;margin-top:8px}.quote-panel output{font-size:9px;display:block;margin-top:5px;color:#f5cf8c}.insurers{background:#fff;padding:10px 0}.insurers p{font-size:11px;margin:0 0 3px}.insurers img{width:min(720px,100%);height:55px;object-fit:cover;object-position:left center}.steps{background:#fff url('assets/road.png') right bottom/auto 100% no-repeat;padding:18px 0 26px}.steps h2{text-align:center;font:28px Georgia;margin:0 0 18px}.step-line{display:grid;grid-template-columns:1fr 60px 1fr 60px 1fr;align-items:center}.step-line article{display:grid;grid-template-columns:30px 58px 1fr;align-items:center;gap:8px}.step-line article>b{background:#9b641d;color:#fff;border-radius:50%;width:24px;height:24px;display:grid;place-items:center;font-size:11px}.step-line article>span{border:1px solid #d6a252;border-radius:50%;width:54px;height:54px;display:grid;place-items:center;color:#aa6d21;font-size:25px}.step-line h3{font:15px Georgia;margin:0 0 4px}.step-line p{font-size:9px;line-height:1.35;margin:0;color:#566169}.step-line i{height:1px;background:var(--gold);position:relative}.step-line i:after{content:"→";position:absolute;right:-2px;top:-9px;color:var(--gold)}.sticky-call{position:fixed;bottom:20px;left:20px;background:#fff;color:var(--ink);border-radius:12px;text-decoration:none;box-shadow:0 10px 35px #00121e33;display:flex;align-items:center;gap:10px;padding:8px 15px 8px 8px;z-index:30;font-size:10px}.sticky-call:before{content:"";position:absolute;inset:-4px auto -4px -4px;width:54px;background:linear-gradient(135deg,#d29a43,#936119);border-radius:50%;z-index:-1}.sticky-call>span:first-letter{color:#fff}.sticky-call span{margin-left:14px}.to-top{position:fixed;right:22px;bottom:24px;width:42px;height:42px;border-radius:50%;border:1px solid #e0b976;background:#a97225;color:#fff;font-size:22px;z-index:30}footer{background:#061b29;color:#dbe1e5;padding:22px 0;font-size:11px}footer .wrap{display:flex;justify-content:space-between}footer strong{font:18px Georgia}.reveal{opacity:0;transform:translateY(20px)}.reveal.in{opacity:1;transform:none;transition:.65s ease}.service:nth-child(2){transition-delay:.09s}.service:nth-child(3){transition-delay:.18s}.service:nth-child(4){transition-delay:.27s}@keyframes rise{from{opacity:0;transform:translateY(25px)}to{opacity:1;transform:none}}@keyframes heroZoom{from{transform:scale(1.05);opacity:.5}to{transform:scale(1);opacity:1}}@keyframes lineGrow{from{width:0}to{width:82px}}
@media(max-width:980px){.nav,.nav-cta{display:none}.menu{display:block}.nav.open{display:flex;position:absolute;top:58px;left:0;right:0;background:#fff;flex-direction:column;padding:18px 28px;gap:0}.nav.open a{padding:12px}.hero{height:430px}.hero-photo{width:70%;opacity:.65}.hero-copy{max-width:480px}.hero h1{font-size:50px}.services{grid-template-columns:repeat(2,1fr);margin-top:18px}.benefits{grid-template-columns:repeat(2,1fr);gap:18px}.benefits>div:nth-child(2){border-right:0}.about{grid-template-columns:1fr 1fr}.quote-panel{grid-column:1/-1;margin:0;padding:28px 8%;}.agent{min-height:380px}.step-line{grid-template-columns:1fr}.step-line i{width:1px;height:28px;margin:auto}.step-line i:after{display:none}.step-line article{max-width:520px;margin:auto;width:100%}}
@media(max-width:640px){.topbar{height:auto;padding:7px 0}.topbar-inner{font-size:10px}.topbar .sep,.topbar-inner>a{display:none}.brand strong{font-size:20px}.brand small{font-size:7px}.monogram{font-size:28px}.hero{height:520px}.hero:after{background:linear-gradient(180deg,#071f2ad4,#071f2afb)}.hero-photo{width:100%;height:48%;opacity:.65}.hero-inner{align-items:flex-end;padding-bottom:30px}.hero h1{font-size:44px}.lead{font-size:14px}.hero-actions{flex-direction:column;align-items:flex-start}.services{grid-template-columns:1fr}.benefits{grid-template-columns:1fr}.benefits>div{border-right:0;border-bottom:1px solid #ded6c8;padding:11px}.about{grid-template-columns:1fr}.agent{min-height:320px}.about-copy{padding:32px 24px}.about h2{font-size:34px}.trust{flex-direction:column;gap:12px}.quote-panel{grid-column:auto;margin:0;padding:28px 22px}.insurers img{height:auto}.steps{background:none}.step-line article{grid-template-columns:28px 48px 1fr}.step-line article>span{width:44px;height:44px}.sticky-call{left:10px;bottom:10px}.to-top{right:12px;bottom:12px}footer .wrap{flex-direction:column;gap:8px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}