:root {
  color-scheme: light;
  --navy: #0b1f3a;
  --navy-2: #102b4f;
  --gold: #d4af37;
  --gold-2: #f2d675;
  --white: #ffffff;
  --soft: #f6f4ef;
  --ink: #172033;
  --muted: #687083;
  --line: rgba(11, 31, 58, 0.14);
  --shadow: 0 24px 70px rgba(11, 31, 58, 0.18);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--soft);
  color: var(--ink);
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
}

a {
  color: inherit;
  text-decoration: none;
}

.site-header {
  align-items: center;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  left: 0;
  padding: 14px clamp(18px, 4vw, 56px);
  position: sticky;
  right: 0;
  top: 0;
  z-index: 10;
}

.brand {
  align-items: center;
  display: inline-flex;
  font-weight: 800;
  gap: 12px;
  max-width: min(420px, 66vw);
}

.brand img {
  border-radius: 8px;
  height: 44px;
  object-fit: cover;
  width: 44px;
}

.brand span {
  line-height: 1.1;
}

.site-nav {
  align-items: center;
  display: flex;
  gap: 22px;
  font-size: 0.92rem;
  font-weight: 700;
}

.site-nav a:hover {
  color: var(--gold);
}

.site-nav .nav-apply {
  background: var(--gold);
  border-radius: 8px;
  color: var(--navy);
  padding: 9px 12px;
}

.site-nav .nav-apply:hover {
  color: var(--navy);
}

.nav-toggle {
  background: transparent;
  border: 0;
  display: none;
  height: 40px;
  padding: 8px;
  width: 40px;
}

.nav-toggle span {
  background: var(--navy);
  display: block;
  height: 2px;
  margin: 7px 0;
  width: 24px;
}

.hero {
  background:
    radial-gradient(circle at 84% 18%, rgba(212, 175, 55, 0.24), transparent 26%),
    linear-gradient(120deg, #07172c, var(--navy-2));
  color: var(--white);
  display: grid;
  gap: clamp(22px, 4vw, 44px);
  grid-template-columns: minmax(260px, 0.78fr) minmax(320px, 1fr) minmax(240px, 0.46fr);
  min-height: calc(100svh - 73px);
  padding: clamp(54px, 7vw, 94px) clamp(18px, 4vw, 56px) 44px;
}

.hero-photo {
  align-self: center;
}

.hero-photo img {
  aspect-ratio: 4 / 5;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  box-shadow: var(--shadow);
  object-fit: cover;
  width: 100%;
}

.hero-content {
  align-self: center;
  max-width: 840px;
}

.eyebrow {
  color: var(--gold-2);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  margin: 0 0 14px;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  font-size: clamp(3.4rem, 8vw, 7.5rem);
  letter-spacing: 0;
  line-height: 0.92;
  margin-bottom: 18px;
  max-width: 900px;
}

h2 {
  color: var(--navy);
  font-size: clamp(2rem, 4.2vw, 4.25rem);
  letter-spacing: 0;
  line-height: 1;
  margin-bottom: 0;
}

h3 {
  color: var(--navy);
  font-size: 1.15rem;
  line-height: 1.2;
  margin-bottom: 8px;
}

.hero-lede {
  color: var(--gold-2);
  font-size: clamp(1.2rem, 2.2vw, 1.65rem);
  font-weight: 800;
  margin-bottom: 16px;
  max-width: 780px;
}

.hero-copy,
.section p,
.service-card p {
  color: var(--muted);
  font-size: 1rem;
}

.hero-copy {
  color: rgba(255, 255, 255, 0.86);
  font-size: clamp(1.05rem, 2vw, 1.28rem);
  max-width: 700px;
}

.hero-actions {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.button {
  align-items: center;
  border: 0;
  border-radius: 8px;
  cursor: pointer;
  display: inline-flex;
  font: inherit;
  font-weight: 800;
  justify-content: center;
  min-height: 50px;
  padding: 13px 20px;
  transition:
    background 180ms ease,
    transform 180ms ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button.primary {
  background: var(--navy);
  color: var(--white);
}

.hero .button.primary {
  background: var(--white);
  color: var(--navy);
}

.button.gold {
  background: var(--gold);
  color: var(--navy);
}

.button.outline {
  border: 1px solid rgba(255, 255, 255, 0.4);
  color: var(--white);
}

.hero-visual {
  align-self: center;
  background: rgba(255, 255, 255, 0.94);
  border: 1px solid rgba(255, 255, 255, 0.5);
  border-radius: 8px;
  box-shadow: var(--shadow);
  color: var(--navy);
  display: grid;
  gap: 20px;
  justify-items: center;
  padding: clamp(18px, 4vw, 34px);
}

.hero-visual img {
  aspect-ratio: 1;
  border-radius: 8px;
  max-width: 310px;
  object-fit: cover;
  width: 100%;
}

.hero-note {
  border-top: 1px solid var(--line);
  display: grid;
  gap: 6px;
  padding-top: 16px;
  text-align: center;
}

.hero-note span {
  color: var(--muted);
}

.trust-strip {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  display: grid;
  gap: 10px;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  padding: 16px clamp(18px, 4vw, 56px);
}

.trust-strip span {
  align-items: center;
  color: var(--navy);
  display: flex;
  font-size: 0.9rem;
  font-weight: 800;
  gap: 8px;
}

.trust-strip span::before,
.credential-list span::before {
  color: var(--gold);
  content: "✓";
}

.section {
  padding: clamp(58px, 9vw, 112px) clamp(18px, 4vw, 56px);
}

.section-heading,
.about,
.meet,
.stats,
.why,
.life-insurance,
.brand-story,
.disclosure,
.contact {
  display: grid;
  gap: 28px;
  grid-template-columns: minmax(180px, 0.38fr) minmax(0, 0.62fr);
}

.about-copy {
  display: grid;
  gap: 12px;
}

.about-copy p {
  font-size: clamp(1.05rem, 1.8vw, 1.25rem);
}

.small-note {
  background: rgba(212, 175, 55, 0.18);
  border-left: 4px solid var(--gold);
  border-radius: 8px;
  color: var(--navy) !important;
  padding: 14px 16px;
}

.meet {
  align-items: center;
  background: var(--white);
}

.headshot-card {
  justify-self: center;
  max-width: 340px;
  width: 100%;
}

.headshot-placeholder {
  align-items: center;
  aspect-ratio: 4 / 5;
  background:
    radial-gradient(circle at 50% 22%, rgba(212, 175, 55, 0.34), transparent 20%),
    linear-gradient(145deg, var(--navy), var(--navy-2));
  border-radius: 8px;
  color: var(--gold-2);
  display: flex;
  font-size: clamp(3.5rem, 9vw, 7rem);
  font-weight: 800;
  justify-content: center;
}

.headshot-card p {
  color: var(--muted);
  font-weight: 800;
  margin: 12px 0 0;
  text-align: center;
}

.credential-list {
  display: grid;
  gap: 10px;
  margin: 20px 0;
}

.credential-list span {
  align-items: center;
  display: flex;
  gap: 10px;
  font-weight: 800;
}

.stats {
  align-items: center;
  background: #fff8dc;
}

.stat-card {
  background: var(--white);
  border: 1px solid rgba(212, 175, 55, 0.4);
  border-radius: 8px;
  box-shadow: 0 18px 45px rgba(11, 31, 58, 0.08);
  padding: clamp(22px, 4vw, 34px);
}

.stat-card strong {
  color: var(--navy);
  display: block;
  font-size: clamp(4rem, 9vw, 7rem);
  line-height: 0.9;
}

.stat-card p {
  font-size: clamp(1.08rem, 2vw, 1.32rem);
  margin: 14px 0 20px;
}

.services {
  background: var(--white);
}

.service-grid {
  display: grid;
  gap: 18px;
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.service-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  display: grid;
  gap: 12px;
  padding: 20px;
}

.carriers {
  background: var(--soft);
}

.carrier-grid {
  display: grid;
  gap: 12px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.carrier-grid span {
  align-items: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--navy);
  display: flex;
  font-weight: 800;
  justify-content: center;
  min-height: 72px;
  padding: 16px;
  text-align: center;
}

.carrier-note {
  margin: 18px 0 0;
}

.service-icon {
  align-items: center;
  background: var(--navy);
  border-radius: 8px;
  color: var(--gold-2);
  display: inline-flex;
  font-weight: 800;
  height: 42px;
  justify-content: center;
  width: 42px;
}

.why {
  background: var(--navy);
  color: var(--white);
}

.why h2,
.why h3 {
  color: var(--white);
}

.check-list {
  display: grid;
  gap: 12px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  list-style: none;
  margin: 0;
  padding: 0;
}

.check-list li {
  align-items: center;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 8px;
  display: flex;
  font-weight: 800;
  gap: 10px;
  min-height: 58px;
  padding: 14px;
}

.check-list li::before {
  color: var(--gold-2);
  content: "✓";
  font-weight: 800;
}

.life-insurance {
  background: var(--white);
}

.check-list.light li {
  background: #f8fafc;
  border-color: var(--line);
  color: var(--navy);
}

.process {
  background: var(--soft);
}

.process-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.process-grid article {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 20px;
}

.process-grid span {
  align-items: center;
  background: var(--gold);
  border-radius: 999px;
  color: var(--navy);
  display: inline-flex;
  font-weight: 800;
  height: 38px;
  justify-content: center;
  margin-bottom: 18px;
  width: 38px;
}

.brand-story {
  align-items: center;
  background: linear-gradient(135deg, #fff8dc, #ffffff);
}

.story-mark {
  justify-self: center;
  max-width: 240px;
}

.story-mark img {
  border-radius: 8px;
  box-shadow: var(--shadow);
  width: 100%;
}

.brand-story p {
  font-size: clamp(1.08rem, 2vw, 1.35rem);
}

.testimonials {
  background: var(--white);
  text-align: center;
}

.testimonials div {
  margin: 0 auto;
  max-width: 760px;
}

.faq {
  background: var(--white);
}

.faq-list {
  display: grid;
  gap: 12px;
}

.faq-list details {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 18px;
}

.faq-list summary {
  color: var(--navy);
  cursor: pointer;
  font-weight: 800;
}

.faq-list p {
  margin: 12px 0 0;
}

.disclosure {
  background: var(--soft);
}

.disclosure p:last-child {
  font-size: clamp(1.04rem, 1.7vw, 1.22rem);
}

.quote {
  background: #eef3f9;
}

.jotform-panel {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 18px 45px rgba(11, 31, 58, 0.08);
  display: grid;
  gap: 18px;
  padding: 18px;
}

.jotform-intro {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: 12px 18px;
  justify-content: space-between;
}

.quote-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.jotform-intro h3 {
  margin-bottom: 4px;
}

.jotform-intro p {
  margin-bottom: 0;
  max-width: 760px;
}

.jotform-panel iframe {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  min-height: 820px;
  width: 100%;
}

label {
  color: var(--navy);
  display: grid;
  font-size: 0.9rem;
  font-weight: 800;
  gap: 8px;
}

input,
select,
textarea {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--ink);
  font: inherit;
  min-height: 48px;
  padding: 12px 13px;
  width: 100%;
}

textarea {
  resize: vertical;
}

.full {
  grid-column: 1 / -1;
}

.contact {
  align-items: start;
  background: var(--navy);
  color: var(--white);
}

.contact h2,
.contact h3 {
  color: var(--white);
}

.contact p {
  color: rgba(255, 255, 255, 0.76);
}

.contact-grid {
  display: grid;
  gap: 12px;
}

.contact-grid a,
.contact-grid div,
.hours {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 8px;
  display: grid;
  gap: 4px;
  padding: 16px;
}

.contact-grid span {
  color: var(--gold-2);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hours {
  grid-column: 2;
}

.hours p {
  margin-bottom: 6px;
}

.site-footer {
  align-items: flex-start;
  background: #07172c;
  color: var(--white);
  display: flex;
  gap: 24px;
  justify-content: space-between;
  padding: 24px clamp(18px, 4vw, 56px);
}

.site-footer div,
.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.site-footer div {
  max-width: 760px;
}

.site-footer span,
.site-footer a {
  color: rgba(255, 255, 255, 0.78);
}

.site-footer .footer-apply {
  background: var(--gold);
  border-radius: 8px;
  color: var(--navy);
  font-weight: 800;
  padding: 10px 14px;
}

.legal-nav {
  display: flex;
}

.legal-page {
  margin: 0 auto;
  max-width: 980px;
}

.legal-page h1 {
  color: var(--navy);
  font-size: clamp(3rem, 8vw, 6rem);
}

.legal-page h2 {
  font-size: clamp(1.45rem, 3vw, 2.2rem);
  margin: 34px 0 12px;
}

.legal-page p {
  font-size: 1.05rem;
  max-width: 760px;
}

@media (max-width: 1100px) {
  .service-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hero,
  .process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hero-content {
    grid-column: 1 / -1;
    order: -1;
  }

  .trust-strip,
  .carrier-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 900px) {
  .nav-toggle {
    display: inline-block;
  }

  .site-nav {
    background: var(--white);
    border-bottom: 1px solid var(--line);
    display: none;
    flex-direction: column;
    left: 0;
    padding: 18px;
    position: absolute;
    right: 0;
    top: 73px;
  }

  body.nav-open .site-nav {
    display: flex;
  }

  .hero,
  .section-heading,
  .about,
  .meet,
  .stats,
  .why,
  .life-insurance,
  .brand-story,
  .disclosure,
  .contact {
    grid-template-columns: 1fr;
  }

  .legal-nav {
    border-bottom: 0;
    display: flex;
    flex-direction: row;
    padding: 0;
    position: static;
  }

  .hero {
    min-height: auto;
  }

  .process-grid {
    grid-template-columns: 1fr;
  }

  .hours {
    grid-column: auto;
  }
}

@media (max-width: 620px) {
  .site-header {
    padding: 12px 16px;
  }

  .brand {
    max-width: 74vw;
  }

  .brand img {
    height: 38px;
    width: 38px;
  }

  .brand span {
    font-size: 0.9rem;
  }

  h1 {
    font-size: clamp(3rem, 16vw, 4.6rem);
  }

  .hero,
  .section {
    padding-left: 16px;
    padding-right: 16px;
  }

  .hero-actions .button {
    width: 100%;
  }

  .service-grid,
  .check-list,
  .trust-strip,
  .carrier-grid {
    grid-template-columns: 1fr;
  }

  .full {
    grid-column: auto;
  }

  .site-footer {
    align-items: flex-start;
    flex-direction: column;
  }
}