:root{--navy:#14305a;--blue:#1f5fa8;--ink:#1d2430;--muted:#5b6575;--bg:#f6f8fb;--line:#dde3ec;--accent:#c8102e}
*{box-sizing:border-box}html{font-size:16px}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--blue)}img{max-width:100%}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px;flex-wrap:wrap}
.logo{font-weight:800;color:var(--navy);text-decoration:none;font-size:1.15rem}.logo span{color:var(--accent)}
nav a{margin-left:16px;text-decoration:none;color:var(--ink);font-weight:500}nav a:hover{color:var(--blue)}
.hero{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;padding:64px 0 56px}
.hero-photo{background:linear-gradient(90deg,rgba(12,30,60,.85) 0%,rgba(12,30,60,.55) 55%,rgba(12,30,60,.15) 100%),url(/img/banner.jpg) center/cover no-repeat;padding:96px 0 88px}.hero-photo h1,.hero-photo p{text-shadow:0 1px 3px rgba(0,0,0,.4)}
.page-photo{max-width:1100px;margin:24px auto 0;padding:0 20px}.page-photo img{width:100%;height:300px;object-fit:cover;border-radius:10px;display:block}
.copy-email{font:inherit;font-size:.8rem;padding:2px 10px;margin-left:6px;border:1px solid currentColor;border-radius:14px;background:transparent;color:inherit;cursor:pointer}.copy-email:hover{background:rgba(127,127,127,.15)}
.hero h1{font-size:2.4rem;line-height:1.2;margin:0 0 14px}.hero p.lead{font-size:1.2rem;max-width:720px;opacity:.95}
.note{background:rgba(255,255,255,.12);border-left:4px solid #fff;padding:10px 14px;max-width:720px;font-size:.98rem}
.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{display:inline-block;padding:13px 22px;border-radius:8px;font-weight:700;text-decoration:none;border:2px solid transparent}
.btn.primary{background:#fff;color:var(--navy)}.btn.ghost{border-color:#fff;color:#fff}
.btn.solid{background:var(--blue);color:#fff}
main section{padding:44px 0}main section.alt{background:var(--bg)}
h1,h2,h3{color:var(--navy);line-height:1.25}.hero h1{color:#fff}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:20px}
.step{font-weight:800;color:var(--accent)}
.page-head{background:var(--bg);border-bottom:1px solid var(--line);padding:36px 0}.page-head h1{margin:0}
article{max-width:760px}article h2{margin-top:2rem}
.callout{background:#fff7e6;border:1px solid #f0d9a8;border-radius:8px;padding:14px 18px}
form.lead{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px;max-width:720px}
form.lead .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
form.lead label{display:block;font-weight:600;margin:12px 0 4px}
form.lead input,form.lead select,form.lead textarea{width:100%;padding:10px;border:1px solid #b9c3d2;border-radius:6px;font:inherit}
form.lead .check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.92rem;background:var(--bg);padding:12px;border-radius:6px}
form.lead .check input{width:auto;margin-top:4px}
.hidden{position:absolute;left:-9999px}
.small{font-size:.9rem;color:var(--muted)}
footer.site{background:#0f1f38;color:#d7deea;padding:32px 0;margin-top:40px;font-size:.95rem}
footer.site a{color:#fff}
footer .contact{font-size:1.1rem;font-weight:700}
footer .broker{font-size:1.1rem;font-weight:700}   /* >= 1/2 of largest contact text (same size here) */
footer .trec a{font-size:12pt;font-weight:700;display:inline-block;margin-right:18px}
@media(max-width:640px){.hero h1{font-size:1.8rem}form.lead .row{grid-template-columns:1fr}nav a{margin:0 12px 0 0}}