:root {
  --navy: #0a2342;
  --navy-2: #123a63;
  --red: #b3282d;
  --red-dark: #8f1f23;
  --cream: #f7f5ef;
  --ink: #1a1a1a;
  --muted: #5a6473;
  --line: #dfe3ea;
  --max: 1080px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Georgia", "Times New Roman", serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.6;
}

h1, h2, h3, .nav-brand, .btn {
  font-family: "Helvetica Neue", Arial, sans-serif;
}

a { color: var(--navy-2); }

/* ---------- Nav ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 20;
  background: var(--navy);
  color: #fff;
  border-bottom: 4px solid var(--red);
}
.nav-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}
.nav-brand {
  font-weight: 800;
  letter-spacing: 0.5px;
  font-size: 1.05rem;
  color: #fff;
  text-decoration: none;
}
.nav-brand span { color: #ffd34d; }
.nav-links {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  align-items: center;
}
.nav-links a {
  color: #e9edf4;
  text-decoration: none;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 0.95rem;
}
.nav-links a:hover { color: #ffd34d; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  background: var(--red);
  color: #fff !important;
  text-decoration: none;
  padding: 12px 22px;
  border-radius: 4px;
  font-weight: 700;
  border: none;
  cursor: pointer;
  font-size: 1rem;
}
.btn:hover { background: var(--red-dark); }
.btn-light {
  background: #fff;
  color: var(--navy) !important;
}
.btn-light:hover { background: #ffd34d; }

/* ---------- Hero ---------- */
.hero {
  background:
    linear-gradient(rgba(10,35,66,0.86), rgba(10,35,66,0.92)),
    repeating-linear-gradient(135deg, #12365e 0 24px, #0f3157 24px 48px);
  color: #fff;
  text-align: center;
  padding: 80px 20px 70px;
}
.hero .kicker {
  text-transform: uppercase;
  letter-spacing: 3px;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 0.85rem;
  color: #ffd34d;
  margin-bottom: 12px;
}
.hero h1 {
  font-size: clamp(2.1rem, 5vw, 3.4rem);
  margin: 0 0 8px;
  line-height: 1.1;
}
.hero .office {
  font-size: clamp(1.1rem, 2.5vw, 1.5rem);
  color: #e9edf4;
  margin: 0 0 26px;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-weight: 300;
}
.hero .cta-row {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ---------- Sections ---------- */
section { padding: 60px 20px; }
.wrap { max-width: var(--max); margin: 0 auto; }
.section-alt { background: var(--cream); }
h2.section-title {
  font-size: clamp(1.6rem, 3.5vw, 2.2rem);
  color: var(--navy);
  margin: 0 0 8px;
}
.rule {
  width: 64px;
  height: 4px;
  background: var(--red);
  border: 0;
  margin: 0 0 26px;
}
.lead { font-size: 1.15rem; color: var(--muted); max-width: 720px; }

.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
  margin-top: 34px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 4px solid var(--red);
  border-radius: 6px;
  padding: 24px;
}
.card h3 { margin: 0 0 8px; color: var(--navy); }
.card p { margin: 0; color: var(--muted); }

/* ---------- SMS opt-in box ---------- */
.optin {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 30px;
  max-width: 560px;
  margin: 0 auto;
  box-shadow: 0 6px 24px rgba(10,35,66,0.08);
}
.optin label {
  display: block;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--navy);
  margin: 14px 0 6px;
}
.optin input[type="text"],
.optin input[type="tel"],
.optin input[type="email"] {
  width: 100%;
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 4px;
  font-size: 1rem;
  font-family: inherit;
}
.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 18px 0;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.45;
}
.consent input { margin-top: 3px; }
.fineprint {
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 16px;
  line-height: 1.5;
}

/* ---------- Legal pages ---------- */
.legal { max-width: 820px; margin: 0 auto; padding: 50px 20px 70px; }
.legal h1 { color: var(--navy); font-family: "Helvetica Neue", Arial, sans-serif; }
.legal h2 { color: var(--navy); margin-top: 34px; font-size: 1.25rem; }
.legal p, .legal li { color: #2a2f38; }
.legal .updated { color: var(--muted); font-style: italic; }
.callout {
  background: var(--cream);
  border-left: 4px solid var(--red);
  padding: 16px 20px;
  border-radius: 0 6px 6px 0;
  margin: 20px 0;
}

/* ---------- Footer ---------- */
.footer {
  background: var(--navy);
  color: #c8d2e0;
  padding: 40px 20px;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 0.9rem;
}
.footer-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.footer a { color: #ffd34d; text-decoration: none; }
.footer a:hover { text-decoration: underline; }
.disclaimer {
  border-top: 1px solid #1e4370;
  margin-top: 26px;
  padding-top: 18px;
  max-width: var(--max);
  margin-left: auto;
  margin-right: auto;
  font-size: 0.82rem;
  color: #9fb0c6;
}
.tag { /* placeholder highlighter */
  background: #fff3cd;
  padding: 0 4px;
  border-radius: 3px;
  color: #7a5b00;
}