:root {
  --navy: #163a56;
  --navy-dark: #0f2c42;
  --teal: #1f8fbf;
  --orange: #e35a0a;
  --ink: #333;
  --muted: #5c6b76;
  --line: #dfe4e8;
  --bg-soft: #eef1f4;
  --white: #fff;
  --wrap: 1200px;
  --radius: 8px;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  line-height: 1.6;
  background: var(--white);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); }
h1, h2, h3, h4, h5 { color: var(--navy); line-height: 1.2; margin: 0 0 .5em; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }

/* ---------- ticker ---------- */
.ticker { background: var(--orange); color: #fff; text-align: center; }
.ticker__track {
  padding: .55rem 20px; font-weight: 700; font-size: .85rem; letter-spacing: .03em;
}
/* single centered notice — hide the duplicate copy used for the old marquee */
.ticker__track span + span { display: none; }

/* ---------- header / nav ---------- */
.site-header {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: .75rem 20px; max-width: var(--wrap); margin: 0 auto;
}
.site-header__logo img { width: 180px; height: auto; }
.nav__list { list-style: none; display: flex; gap: 1.4rem; margin: 0; padding: 0; }
.nav__item { position: relative; }
.nav__link {
  display: inline-block; padding: .4rem 0; text-decoration: none;
  color: var(--navy); font-weight: 700; font-size: 1.05rem;
}
.nav__link:hover, .nav__link.is-active { color: var(--orange); }
.nav__expand { display: none; background: none; border: 0; cursor: pointer; color: var(--navy); font-size: 1rem; }
.nav__submenu {
  list-style: none; margin: 0; padding: .5rem 0; min-width: 250px;
  position: absolute; top: 100%; left: 0; background: #fff;
  border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: 0 12px 30px rgba(0,0,0,.12); z-index: 50;
  opacity: 0; visibility: hidden; transform: translateY(6px); transition: .15s;
}
.nav__submenu li a {
  display: block; padding: .5rem 1.1rem; text-decoration: none;
  color: var(--navy); font-weight: 600; font-size: .98rem;
}
.nav__submenu li a:hover { background: var(--bg-soft); color: var(--orange); }
.has-children:hover > .nav__submenu,
.has-children:focus-within > .nav__submenu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-toggle { display: none; }

/* ---------- buttons ---------- */
.btn {
  display: inline-block; background: linear-gradient(180deg, #5b8bc4 0%, #2f5c92 100%);
  color: #fff !important; text-decoration: none; font-weight: 700; padding: .7rem 1.5rem;
  border-radius: 6px; border: 1px solid #244d7a; cursor: pointer;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.3), 0 2px 5px rgba(0,0,0,.15);
  transition: filter .15s;
}
.btn:hover { filter: brightness(1.08); }
.btn--ghost { background: transparent; color: #fff !important; border: 2px solid #fff; box-shadow: none; }
.btn--white { background: #fff; color: var(--navy) !important; border-color: #cfd8e0; }
.btn--white:hover { background: #eef1f4; }
.btn--sm { padding: .45rem 1rem; font-size: .9rem; }

/* ---------- hero ---------- */
.hero {
  position: relative; color: #fff; text-align: center;
  background: var(--navy) center/cover no-repeat;
  min-height: 460px; display: grid; place-items: center; padding: 4rem 20px;
}
.hero::before { content: ""; position: absolute; inset: 0; background: rgba(10,30,50,.35); }
.hero__inner { position: relative; max-width: 760px; }
.hero h1 { color: #fff; font-size: clamp(2rem, 5vw, 3.4rem); text-shadow: 0 2px 12px rgba(0,0,0,.3); }
.hero p { font-size: clamp(1.05rem, 2.2vw, 1.4rem); margin-bottom: 1.6rem; }

/* ---------- sections ---------- */
.section { padding: 3.5rem 0; }
.section--soft { background: var(--bg-soft); }
.section__lead { max-width: 820px; margin: 0 auto 2rem; text-align: center; font-size: 1.15rem; color: var(--muted); }
.section h2 { text-align: center; font-size: clamp(1.6rem, 3.5vw, 2.3rem); }

/* cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
@media (max-width: 780px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .cards { grid-template-columns: 1fr; } }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; text-decoration: none; color: var(--navy);
  box-shadow: 0 4px 14px rgba(0,0,0,.05); transition: transform .15s, box-shadow .15s;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 10px 24px rgba(0,0,0,.12); }
.card img { aspect-ratio: 16/10; object-fit: cover; width: 100%; }
.card__body { padding: 1rem 1.2rem; font-weight: 700; font-size: 1.1rem; }

/* contact strip */
.cta { background: var(--navy); color: #fff; text-align: center; padding: 3rem 20px; }
.cta h2 { color: #fff; }
.cta p { margin: .2rem 0; }

/* ---------- interior content (extracted pages) ---------- */
.page-title { background: var(--navy); color: #fff; text-align: center; padding: 2.5rem 20px; }
.page-title h1 { color: #fff; }
.content { max-width: 1040px; margin: 0 auto; padding: 2.5rem 20px; }
.content h2, .content h3 { margin-top: 1.6rem; }
.content p { margin: 0 0 1rem; }
.content ul, .content ol { margin: 0 0 1rem; padding-left: 1.4rem; }
.content li { margin: .4rem 0; }

/* 2-column: media (images) left, text right — mirrors the original page pattern */
.content-split { display: grid; grid-template-columns: 300px 1fr; gap: 2.5rem; align-items: start; }
.content-split__media { display: flex; flex-direction: column; gap: 1.5rem; }
.content-split__media img { width: 100%; border-radius: var(--radius); box-shadow: 0 4px 14px rgba(0,0,0,.1); }
.content-split__text > *:first-child { margin-top: 0; }
/* compliance fine print shown below a form-led page */
.content--fineprint { max-width: 1040px; padding-top: 1.5rem; padding-bottom: 1.5rem; }
.content--fineprint p, .content--fineprint li { font-size: .82rem; color: var(--muted); line-height: 1.5; }
.content--fineprint h1, .content--fineprint h2, .content--fineprint h3, .content--fineprint h4 { font-size: 1rem; color: var(--muted); }

/* ===== reusable interior section components ===== */
/* full-bleed page hero with background image + overlaid title */
.hero-page { position: relative; min-height: 440px; display: grid; place-items: center; background: var(--navy) center/cover no-repeat; color: #fff; padding: 3rem 20px; }
.hero-page::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(10,35,60,.6), rgba(10,35,60,.1)); }
.hero-page__inner { position: relative; max-width: var(--wrap); width: 100%; }
.hero-page__accent { display: block; width: 90px; height: 6px; background: #fff; margin-bottom: 1rem; }
.hero-page h1 { color: #fff; font-size: clamp(2.2rem, 5.5vw, 3.8rem); font-weight: 800; text-shadow: 0 2px 14px rgba(0,0,0,.4); margin: 0; }

/* text + image feature row (text left, image right) */
.feature { display: grid; grid-template-columns: 1.1fr 1fr; gap: 2.5rem; align-items: center; }
.feature__img img { width: 100%; max-width: 420px; margin: 0 auto; display: block; border-radius: var(--radius); box-shadow: 0 6px 20px rgba(0,0,0,.12); }
.feature__img--circle img { border-radius: 50%; aspect-ratio: 1; object-fit: cover; max-width: 300px; }
@media (max-width: 760px) { .feature { grid-template-columns: 1fr; } }

/* carrier / plan cards (logo + description + stacked action buttons) */
.carrier-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.carrier-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 4px 14px rgba(0,0,0,.06); padding: 1.5rem; display: flex; flex-direction: column; }
.carrier-card__logo { height: 74px; display: grid; place-items: center; margin-bottom: 1rem; }
.carrier-card__logo img { max-height: 66px; max-width: 85%; width: auto; }
.carrier-card > p { flex: 1; margin: 0 0 1rem; }
.carrier-card__desc { margin-top: 1.2rem; text-align: left; font-size: .95rem; }
.carrier-card__desc ul { margin: .5rem 0 0; padding-left: 1.2rem; }
.carrier-card .btn { width: 100%; text-align: center; margin-top: .55rem; background: var(--navy); border-radius: 6px; }
.carrier-card .btn:hover { background: var(--navy-dark); }
.carrier-card--green .btn { background: #6cae43; }
.carrier-card--green .btn:hover { background: #5c9739; }
.carrier-card--red .btn { background: #c0392b; }
.carrier-card--red .btn:hover { background: #a93226; }
.carrier-card--blue .btn { background: #5b7fa6; }
.carrier-card--blue .btn:hover { background: #4c6c8f; }
@media (max-width: 820px) { .carrier-cards { grid-template-columns: 1fr; } }

/* testimonial band */
.testimonial-band { background: #d3e0ec; text-align: center; padding: 2.5rem 20px; }
.testimonial-band__mark { font: 700 3.4rem/0.6 Georgia, serif; color: #fff; }
.testimonial-band blockquote { max-width: 860px; margin: .5rem auto 0; font-style: italic; font-size: clamp(1.05rem, 2.2vw, 1.3rem); color: #46617a; }
.testimonial-band cite { display: block; margin-top: .7rem; font-style: normal; font-size: .95rem; color: #5c6b76; }

/* section header row (heading + action button) */
.section-head { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem; margin-bottom: 1.5rem; }
.section-head h2 { margin: 0; text-align: left; }

/* document (PDF) cards */
.doc-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.doc-card { text-align: center; text-decoration: none; display: block; }
.doc-card img { width: 100%; max-width: 220px; margin: 0 auto .8rem; box-shadow: 0 4px 14px rgba(0,0,0,.15); border: 1px solid var(--line); background: #fff; }
.doc-card span { color: var(--teal); font-weight: 700; text-decoration: underline; }
@media (max-width: 640px) { .doc-cards { grid-template-columns: 1fr; } }

/* video section */
.video-section { background: var(--navy-dark); color: #fff; padding: 3rem 0; }
.video-section__grid { display: grid; grid-template-columns: 1fr 1.25fr; gap: 2.5rem; align-items: center; }
.video-section__accent { display: block; width: 90px; height: 6px; background: var(--orange); margin-bottom: 1rem; }
.video-section h2 { color: #fff; }
.video-embed { position: relative; padding-bottom: 56.25%; height: 0; border-radius: var(--radius); overflow: hidden; box-shadow: 0 10px 30px rgba(0,0,0,.3); }
.video-embed iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.video-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-top: 1.5rem; }
@media (max-width: 760px) { .video-grid { grid-template-columns: 1fr; } }
@media (max-width: 760px) { .video-section__grid { grid-template-columns: 1fr; } }

/* info cards: image + underlined title link + description (e.g., Services page) */
.info-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.card--info { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 4px 14px rgba(0,0,0,.06); overflow: hidden; display: flex; flex-direction: column; }
.card--info > a img { aspect-ratio: 16/10; object-fit: cover; width: 100%; display: block; }
.card--info .card__title { display: block; text-align: center; font-weight: 700; color: var(--navy); text-decoration: underline; padding: 1rem 1rem .3rem; font-size: 1.05rem; }
.card--info p { padding: .3rem 1.2rem 1.4rem; margin: 0; font-size: .95rem; }
@media (max-width: 820px) { .info-cards { grid-template-columns: 1fr; } }

/* contact CTA with background image (e.g., lighthouse/beach) */
.cta-hero { position: relative; background: var(--navy) center/cover no-repeat; color: #fff; text-align: center; padding: 3.5rem 20px; display: grid; place-items: center; min-height: 300px; }
.cta-hero::before { content: ""; position: absolute; inset: 0; background: rgba(10,35,60,.35); }
.cta-hero > * { position: relative; z-index: 1; }
.cta-hero h2 { color: #fff; }

/* prose text section */
.prose { max-width: 900px; margin: 0 auto; padding: 2.5rem 20px; }
.prose h2 { margin-bottom: 1rem; }
.prose p { margin: 0 0 1rem; }
.prose .fineprint { font-size: .82rem; color: var(--muted); line-height: 1.5; }
@media (max-width: 760px) {
  .content-split { grid-template-columns: 1fr; gap: 1.5rem; }
  .content-split__media { flex-direction: row; flex-wrap: wrap; justify-content: center; }
  .content-split__media img { width: auto; max-width: 240px; max-height: 260px; }
}

/* ---------- homepage hero (sky + couple) ---------- */
.hero-home {
  background: #7fbfe6 center/cover no-repeat; position: relative; overflow: hidden;
}
.hero-home__grid {
  display: grid; grid-template-columns: 1fr 1.05fr; align-items: end;
  min-height: 600px; gap: 1rem;
}
.hero-home__content { padding: 3rem 0; align-self: center; }
.hero-home__accent { display: block; width: 90px; height: 6px; background: #fff; margin-bottom: 1.2rem; }
.hero-home h1 {
  color: #fff; font-size: clamp(2.2rem, 5.5vw, 4rem); font-weight: 800;
  letter-spacing: .01em; line-height: 1.05; text-shadow: 0 2px 14px rgba(0,60,110,.35); margin: 0;
}
.hero-home p { color: #fff; font-size: clamp(1.05rem, 2.2vw, 1.45rem); margin: 1rem 0 1.6rem; text-shadow: 0 1px 8px rgba(0,60,110,.35); }
.hero-home__badges { display: flex; gap: 1rem; }
.hero-home__badges img { width: 84px; height: auto; filter: drop-shadow(0 3px 6px rgba(0,0,0,.25)); }
.hero-home__people { align-self: end; justify-self: end; height: 600px; max-height: 100%; width: auto; max-width: none; }

/* ---------- intro (2-column) ---------- */
.intro { display: grid; grid-template-columns: 1fr 1.4fr; gap: 2.5rem; align-items: start; }
.intro__aside h2 { font-size: clamp(1.5rem, 3vw, 2rem); }
.intro__body { border-left: 4px solid var(--orange); padding-left: 1.5rem; }
.intro__body ul { margin: 1rem 0 0; padding-left: 1.2rem; }
.intro__body li { margin: .5rem 0; }

/* ---------- reviews ---------- */
.reviews__head { text-align: center; font-size: 1.5rem; font-weight: 700; color: var(--navy); margin-bottom: .3rem; }
.reviews__g { color: #4285F4; }
.reviews__score { display: block; color: #f4b400; font-size: 1.6rem; margin: .3rem 0 2rem; }
.reviews__score small { color: var(--muted); font-size: 1rem; }
.reviews__grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 1.2rem; }
.review { flex: 0 1 calc((100% - 2 * 1.2rem) / 3); margin: 0; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem; box-shadow: 0 3px 12px rgba(0,0,0,.05); }
@media (max-width: 780px) { .review { flex-basis: calc((100% - 1.2rem) / 2); } }
@media (max-width: 520px) { .review { flex-basis: 100%; } }
.review__stars { color: #f4b400; letter-spacing: 2px; }
.review p { font-size: .95rem; }
.review cite { font-style: normal; font-weight: 700; color: var(--navy); }

/* ---------- homepage contact + form ---------- */
.contact-home { background: #8fc7ea center/cover no-repeat; padding: 3.5rem 0 1rem; }
.contact-home__grid { display: grid; grid-template-columns: minmax(300px, 400px) 1fr; gap: 2.5rem; align-items: start; }
.contact-home__card { color: #fff; text-shadow: 0 1px 6px rgba(0,50,90,.4); }
.contact-home__card h2 { color: #fff; }
.contact-home__card a { color: #fff; }
.contact-home__photo { width: 200px; height: 200px; border-radius: 50%; object-fit: cover; border: 5px solid #fff; margin-bottom: 1rem; }
.contact-home__name { font-size: 1.3rem; line-height: 1.2; }
.contact-form { background: rgba(255,255,255,.95); padding: 1.5rem; border-radius: var(--radius); box-shadow: 0 10px 30px rgba(0,0,0,.15); }
.contact-form label { display: block; font-weight: 600; color: var(--navy); margin-bottom: 1rem; font-size: .95rem; }
.contact-form input, .contact-form textarea {
  display: block; width: 100%; margin-top: .35rem; padding: .6rem .7rem;
  border: 1px solid #c7d0d8; border-radius: 6px; font: inherit; background: #fff;
}
.contact-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.contact-form__group { border: 0; padding: 0; margin: 0 0 1rem; }
.contact-form__group legend { padding: 0; font-weight: 600; color: var(--navy); font-size: .95rem; }
.contact-form__radio {
  display: inline-flex; align-items: center; gap: .4rem;
  margin: .5rem 1.25rem 0 0; font-weight: 500; cursor: pointer;
}
.contact-form__radio input[type="radio"] {
  display: inline-block; width: auto; margin: 0; padding: 0;
  accent-color: var(--navy); flex: none;
}
.contact-form__status { margin: 1rem 0 0; padding: .75rem 1rem; border-radius: 6px; font-weight: 600; }
.contact-form__status.is-success { background: #e6f4ea; color: #1e7a3d; border: 1px solid #b7dec4; }
.contact-form__status.is-error { background: #fdecea; color: #b3261e; border: 1px solid #f5c6c2; }
.contact-home__consent { font-size: .72rem; color: rgba(255,255,255,.9); text-shadow: 0 1px 4px rgba(0,50,90,.4); margin: 1.5rem auto 0; }

@media (max-width: 880px) {
  .hero-home__grid { grid-template-columns: 1fr; text-align: center; min-height: 0; }
  .hero-home__content { padding: 2.5rem 0 1rem; }
  .hero-home__accent { margin-left: auto; margin-right: auto; }
  .hero-home__badges { justify-content: center; }
  .hero-home__people { justify-self: center; height: auto; max-height: 360px; max-width: 100%; }
  .intro { grid-template-columns: 1fr; gap: 1.2rem; }
  .intro__body { border-left: 0; border-top: 4px solid var(--orange); padding-left: 0; padding-top: 1rem; }
  .contact-home__grid { grid-template-columns: 1fr; }
  .contact-home__card { text-align: center; }
  .contact-home__photo { margin-left: auto; margin-right: auto; }
  .contact-form__row { grid-template-columns: 1fr; }
}

/* ---------- footer ---------- */
.site-footer { background: var(--navy-dark); color: #d7e0e8; margin-top: 2rem; }
.site-footer__inner {
  max-width: var(--wrap); margin: 0 auto; padding: 2.5rem 20px;
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 2rem; align-items: center;
}
.site-footer__brand img { background: #fff; padding: 12px; border-radius: var(--radius); width: 220px; }
.site-footer__contact p { margin: .35rem 0; }
.site-footer__contact a { color: #fff; }
.site-footer__badges { display: flex; gap: 1rem; flex-wrap: wrap; }
.site-footer__badges img { width: 100px; height: auto; }
.site-footer__legal { border-top: 1px solid rgba(255,255,255,.12); text-align: center; padding: 1rem; font-size: .85rem; color: #9fb1bf; }

/* ---------- responsive ---------- */
@media (max-width: 880px) {
  .nav-toggle {
    display: inline-flex; flex-direction: column; gap: 5px; justify-content: center;
    width: 44px; height: 40px; background: none; border: 0; cursor: pointer;
  }
  .nav-toggle span { height: 3px; background: var(--navy); border-radius: 3px; transition: .2s; }
  .nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

  .nav {
    position: absolute; top: 100%; left: 0; right: 0; background: #fff;
    border-top: 1px solid var(--line); box-shadow: 0 12px 24px rgba(0,0,0,.1);
    max-height: 0; overflow: hidden; transition: max-height .25s ease; z-index: 60;
  }
  .site-header { position: relative; flex-wrap: wrap; }
  .nav.is-open { max-height: 80vh; overflow-y: auto; }
  .nav__list { flex-direction: column; gap: 0; padding: .5rem 0; }
  .nav__item { border-bottom: 1px solid var(--line); padding: 0 20px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; }
  .nav__link { flex: 1; padding: .8rem 0; }
  .nav__expand { display: block; padding: .8rem; }
  .nav__submenu {
    position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none;
    border: 0; width: 100%; flex-basis: 100%; padding: 0 0 .5rem; display: none;
  }
  .nav__submenu.is-open { display: block; }
  .has-children:hover > .nav__submenu { opacity: 1; }
  .site-footer__inner { grid-template-columns: 1fr; text-align: center; justify-items: center; }
}