:root {
  --ink: #0b1f3a;
  --navy: #102a4f;
  --blue: #1b4774;
  --red: #9f2431;
  --cream: #f4efe6;
  --paper: #fffdfa;
  --muted: #607087;
  --line: rgba(11, 31, 58, 0.16);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: Arial, Helvetica, sans-serif; }
a { color: inherit; }

.site-header {
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
  min-height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  border-bottom: 1px solid var(--line);
}

.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark {
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  flex: 0 0 auto;
  border-radius: 50%;
  background: var(--ink);
  color: white;
  font-weight: 800;
  letter-spacing: 0.05em;
}
.brand strong, .brand small { display: block; }
.brand strong { font-size: 1rem; }
.brand small { margin-top: 3px; color: var(--muted); font-size: 0.73rem; }

nav { display: flex; align-items: center; gap: 26px; }
nav a { color: var(--navy); font-size: 0.9rem; font-weight: 700; text-decoration: none; }
nav a:hover, nav a:focus-visible { color: var(--red); }

.hero {
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
  min-height: 650px;
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  align-items: center;
  gap: clamp(42px, 7vw, 100px);
  padding: 76px 0 72px;
}

.eyebrow, .section-label {
  margin: 0 0 18px;
  color: var(--red);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.section-label.light { color: #e6acb1; }

h1, h2 { margin: 0; font-family: Georgia, "Times New Roman", serif; font-weight: 500; letter-spacing: -0.04em; }
h1 { max-width: 680px; font-size: clamp(3.4rem, 7vw, 6.8rem); line-height: 0.93; }
.lede { max-width: 650px; margin: 30px 0 0; color: #3d4d61; font-size: clamp(1.06rem, 1.8vw, 1.28rem); line-height: 1.65; }

.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }
.hero-actions.centered { justify-content: center; }
.button {
  min-height: 52px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 22px;
  border: 1px solid var(--ink);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 800;
  transition: transform 160ms ease, background 160ms ease, color 160ms ease;
}
.button:hover { transform: translateY(-2px); }
.button.primary { background: var(--ink); color: white; }
.button.secondary { background: transparent; }
.button.cream { border-color: var(--cream); background: var(--cream); color: var(--ink); }
.button.outline-light { border-color: rgba(255,255,255,0.65); color: white; }
.licensed { margin: 24px 0 0; color: var(--muted); font-size: 0.86rem; }

.profile-card { margin: 0; position: relative; }
.profile-card::before {
  content: "";
  position: absolute;
  inset: -22px 22px 22px -22px;
  z-index: -1;
  background: var(--cream);
  border-top: 7px solid var(--red);
}
.profile-card img { display: block; width: 100%; border: 1px solid rgba(255,255,255,0.35); box-shadow: 0 30px 70px rgba(11, 31, 58, 0.2); }
.profile-card p { margin: 18px 0 0; color: var(--muted); font-size: 0.74rem; line-height: 1.5; }

.coverage-strip { display: grid; grid-template-columns: repeat(4, 1fr); background: var(--ink); color: white; }
.coverage-strip span {
  min-height: 92px;
  display: grid;
  place-items: center;
  padding: 20px;
  border-right: 1px solid rgba(255,255,255,0.16);
  text-align: center;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.08rem;
  text-transform: capitalize;
}

.intro { width: min(900px, calc(100% - 40px)); margin: 0 auto; padding: 110px 0 120px; text-align: center; }
.intro h2, .section-heading h2 { font-size: clamp(2.4rem, 5vw, 4.7rem); line-height: 1.03; }
.intro > p:last-child { max-width: 690px; margin: 28px auto 0; color: var(--muted); font-size: 1.08rem; line-height: 1.7; }

.coverage-section { padding: 112px max(20px, calc((100% - 1180px) / 2)); background: var(--cream); }
.section-heading { display: grid; grid-template-columns: 0.9fr 1fr; gap: 20px 80px; align-items: end; }
.section-heading .section-label { grid-column: 1 / -1; margin-bottom: 0; }
.section-heading > p:last-child { margin: 0 0 4px; color: var(--muted); font-size: 1.02rem; line-height: 1.65; }
.section-heading.compact { display: block; max-width: 620px; }
.coverage-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; margin-top: 72px; background: rgba(11,31,58,0.14); border: 1px solid rgba(11,31,58,0.14); }
.coverage-card { min-height: 300px; padding: 34px 28px; background: var(--paper); }
.coverage-card > span { color: var(--red); font-size: 0.72rem; font-weight: 800; letter-spacing: 0.15em; }
.coverage-card h3 { margin: 68px 0 14px; font: 500 1.6rem/1.1 Georgia, "Times New Roman", serif; }
.coverage-card p { margin: 0; color: var(--muted); font-size: 0.92rem; line-height: 1.62; }

.service-panel { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 100px; padding: 120px max(20px, calc((100% - 1180px) / 2)); background: var(--ink); color: white; }
.service-panel h2 { max-width: 620px; font-size: clamp(2.6rem, 5vw, 5rem); line-height: 1; }
.service-panel > div:last-child { padding-top: 38px; }
.service-panel > div:last-child p { margin: 0 0 24px; color: #c9d3df; font-size: 1.03rem; line-height: 1.75; }

.process-section { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 100px; padding: 120px max(20px, calc((100% - 1180px) / 2)); }
.process-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.process-list li { display: grid; grid-template-columns: 52px 1fr; gap: 22px; padding: 30px 0; border-bottom: 1px solid var(--line); }
.process-list li > span { width: 38px; height: 38px; display: grid; place-items: center; border: 1px solid var(--red); border-radius: 50%; color: var(--red); font-size: 0.78rem; font-weight: 800; }
.process-list h3 { margin: 0 0 8px; font: 500 1.35rem/1.2 Georgia, "Times New Roman", serif; }
.process-list p { margin: 0; color: var(--muted); line-height: 1.6; }

.contact-section { padding: 110px max(20px, calc((100% - 880px) / 2)); background: var(--red); color: white; text-align: center; }
.contact-section h2 { font-size: clamp(2.7rem, 6vw, 5.5rem); line-height: 0.98; }
.contact-section > p:not(.section-label):not(.contact-fine-print) { max-width: 680px; margin: 28px auto 0; color: #f4dfe2; font-size: 1.05rem; line-height: 1.7; }
.contact-fine-print { max-width: 730px; margin: 28px auto 0; color: #f1dadd; font-size: 0.78rem; line-height: 1.55; }
.contact-fine-print a { font-weight: 800; }

.disclaimer { width: min(900px, calc(100% - 40px)); margin: 0 auto; padding: 74px 0; display: grid; grid-template-columns: 220px 1fr; gap: 48px; }
.disclaimer h2 { font-size: 1.8rem; }
.disclaimer p { margin: 0; color: var(--muted); font-size: 0.9rem; line-height: 1.7; }

.site-footer { display: grid; grid-template-columns: 1.2fr 1fr 0.55fr; gap: 36px; padding: 68px max(20px, calc((100% - 1180px) / 2)) 34px; background: #07162a; color: white; }
.footer-brand { display: flex; gap: 14px; align-items: center; }
.footer-mark { background: white; color: var(--ink); }
.footer-brand strong { font-size: 1.05rem; }
.footer-brand p { margin: 4px 0 0; color: #aab8ca; font-size: 0.78rem; }
.footer-contact, .footer-links { display: flex; flex-direction: column; gap: 8px; font-size: 0.84rem; }
.footer-contact a, .footer-links a { text-decoration: none; }
.footer-contact address { color: #aab8ca; font-style: normal; line-height: 1.45; }
.footer-disclosure { grid-column: 1 / -1; max-width: 760px; margin: 28px 0 0; color: #8495aa; font-size: 0.75rem; line-height: 1.55; }
.copyright { grid-column: 1 / -1; margin: 8px 0 0; color: #8495aa; font-size: 0.72rem; }

.policy-page { width: min(850px, calc(100% - 40px)); margin: 0 auto; padding: 92px 0 120px; }
.policy-page > h1 { max-width: none; font-size: clamp(3rem, 7vw, 5.8rem); }
.policy-date { margin: 24px 0 70px; color: var(--muted); font-size: 0.9rem; }
.policy-page section { padding: 30px 0; border-top: 1px solid var(--line); }
.policy-page section h2 { margin-bottom: 15px; font-size: 1.65rem; letter-spacing: -0.02em; }
.policy-page section p { margin: 0 0 16px; color: #42536a; line-height: 1.75; }
.policy-page section p:last-child { margin-bottom: 0; }
.policy-page section a { color: var(--blue); font-weight: 700; }

@media (max-width: 960px) {
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .service-panel, .process-section { gap: 54px; }
}

@media (max-width: 820px) {
  .site-header { min-height: 78px; }
  nav { display: none; }
  .hero { grid-template-columns: 1fr; min-height: auto; padding: 64px 0 76px; }
  .profile-card { margin: 10px 0 0 20px; }
  .coverage-strip { grid-template-columns: repeat(2, 1fr); }
  .coverage-strip span { border-bottom: 1px solid rgba(255,255,255,0.16); }
  .section-heading, .service-panel, .process-section { grid-template-columns: 1fr; }
  .service-panel > div:last-child { padding-top: 0; }
  .site-footer { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 560px) {
  .site-header, .hero, .intro, .disclaimer, .policy-page { width: min(100% - 28px, 1180px); }
  h1 { font-size: 3.15rem; }
  .hero-actions, .button { width: 100%; }
  .coverage-strip, .coverage-grid { grid-template-columns: 1fr; }
  .brand small { display: none; }
  .coverage-section, .service-panel, .process-section { padding-top: 84px; padding-bottom: 84px; }
  .disclaimer { grid-template-columns: 1fr; gap: 18px; }
  .site-footer { grid-template-columns: 1fr; }
  .footer-brand, .footer-disclosure, .copyright { grid-column: 1; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .button { transition: none; }
}