:root {
  --navy: #102b40;
  --navy-dark: #0a1e2d;
  --gold: #bd985d;
  --cream: #f7f5ef;
  --ink: #243849;
  --muted: #62717c;
  --line: #e0e5e7;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 110px; }
body {
  margin: 0;
  font-family: "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.65;
}
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button, select { cursor: pointer; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { line-height: 1.15; }
h1, h2 { font-family: Georgia, "Times New Roman", serif; font-weight: 400; }
.container { width: min(1180px, 90%); margin: auto; }

.preview-banner {
  background: var(--navy-dark);
  color: #e9dfc9;
  text-align: center;
  padding: 7px 15px;
  font-size: 12px;
  letter-spacing: .3px;
}
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 25px;
  min-height: 94px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand-mark {
  border: 1px solid var(--gold);
  width: 43px;
  height: 49px;
  display: grid;
  place-items: center;
  color: var(--navy);
  font: 32px Georgia, serif;
  border-radius: 3px 3px 16px 16px;
}
.brand-name { display: block; font-weight: 700; letter-spacing: 1.4px; font-size: 15px; }
.brand-subtitle { display: block; font-size: 9px; letter-spacing: 2.4px; color: var(--muted); }
nav { display: flex; gap: 23px; align-items: center; font-size: 13px; font-weight: 600; }
nav a:not(.button):hover { color: #86652e; }
.menu-toggle { display: none; }

.button {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  background: var(--navy);
  color: white;
  padding: 15px 23px;
  border: 1px solid var(--navy);
  border-radius: 4px;
  font-weight: 600;
  font-size: 14px;
  transition: background .2s, transform .2s;
}
.button:hover { background: #20455e; transform: translateY(-2px); }
.button-small { padding: 11px 17px; font-size: 12px; }
.button-row { display: flex; align-items: center; flex-wrap: wrap; gap: 24px; }
.text-link { font-size: 14px; font-weight: 600; }
.eyebrow { color: #826332; letter-spacing: 2.2px; font-size: 11px; font-weight: 700; margin-bottom: 20px; }

.hero {
  background:
    radial-gradient(ellipse at 95% 10%, #e6e1d4 0, transparent 48%),
    linear-gradient(120deg, #f8f7f3, #edf2f3);
  padding: 80px 0 85px;
}
.hero-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 75px; align-items: center; }
h1 { font-size: clamp(42px, 4.6vw, 65px); letter-spacing: -2px; margin-bottom: 25px; }
h1 span { color: #697d86; }
.hero-description { color: #566976; font-size: 17px; max-width: 530px; margin-bottom: 30px; }
.hero-note { font-size: 11px; color: var(--muted); margin: 23px 0 0; }

.hero-card {
  padding: 35px;
  border-radius: 12px;
  background: var(--navy);
  color: #fff;
  box-shadow: 0 25px 55px #102b4026;
  position: relative;
  overflow: hidden;
}
.hero-card::before {
  content: "";
  position: absolute;
  width: 260px;
  height: 260px;
  border: 1px solid #ffffff12;
  border-radius: 50%;
  top: -110px;
  right: -80px;
  pointer-events: none;
}
.card-topline { display: flex; align-items: center; justify-content: space-between; gap: 10px; font-size: 8px; letter-spacing: 1.5px; color: #c7d1d8; }
.mini-mark { font: italic 30px Georgia, serif; color: #d4b780; }
.card-heading { font: 42px/1.12 Georgia, serif; margin: 35px 0; letter-spacing: -.7px; }
.coverage-row { display: flex; align-items: center; gap: 17px; border-top: 1px solid #ffffff24; padding: 18px 0; }
.coverage-row > span { font-size: 10px; color: #c5aa78; }
.coverage-row h2 { font: 600 15px "Segoe UI", sans-serif; margin: 0 0 3px; }
.coverage-row p { font-size: 11px; color: #bac9d3; margin: 0; }
.coverage-row a { margin-left: auto; color: #dbc393; font-size: 22px; }

.audience-strip { border-bottom: 1px solid var(--line); padding: 22px 0; }
.strip-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.strip-inner > span { font-size: 9px; color: var(--muted); letter-spacing: 1.4px; }
.strip-inner p { margin: 0; font-size: 13px; font-weight: 600; }

.section { padding: 85px 0; }
.section-heading { display: flex; justify-content: space-between; gap: 50px; align-items: end; margin-bottom: 40px; }
h2 { font-size: clamp(32px, 3.4vw, 46px); letter-spacing: -1px; margin-bottom: 20px; }
.section-heading h2 { margin-bottom: 0; }
.section-heading > p { max-width: 380px; color: var(--muted); font-size: 14px; margin-bottom: 0; }
.three-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.info-card, .article-card { border: 1px solid var(--line); border-radius: 7px; padding: 30px; }
.info-card { background: #fcfcfa; }
.card-number { font-size: 12px; color: #967642; }
.info-card h3 { margin: 30px 0 16px; font-size: 21px; }
.info-card p, .article-card p { font-size: 14px; color: var(--muted); }
.info-card a { display: inline-block; margin-top: 14px; font-size: 12px; font-weight: 700; }
.coverage-list { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 30px; }
.coverage-list span { background: #eff3f4; padding: 7px 12px; font-size: 11px; border-radius: 3px; }
.fine-print { font-size: 11px; color: var(--muted); margin: 18px 0 0; }

.personal-section { padding: 75px 0; background: var(--cream); }
.personal-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 100px; align-items: center; }
.personal-grid > div > p:not(.eyebrow) { color: var(--muted); max-width: 480px; font-size: 15px; }
.personal-grid .button { margin-top: 15px; }
.personal-options > div { display: flex; gap: 20px; align-items: center; padding: 25px 0; border-bottom: 1px solid #d8d7cf; }
.personal-options span { color: #967642; font-size: 12px; }
.personal-options h3 { margin: 0; font-size: 20px; }
.personal-options > p { font-size: 11px !important; margin-top: 22px; }
.tag { color: #86652e; font-size: 9px; letter-spacing: 1.5px; font-weight: 700; }
.article-card h3 { font: 25px/1.25 Georgia, serif; margin: 20px 0; }
.coming-soon { font-size: 11px; color: var(--muted); border-top: 1px solid var(--line); display: block; padding-top: 17px; margin-top: 25px; }

.service-section { background: var(--navy); color: #fff; padding: 45px 0; }
.service-inner { display: flex; justify-content: space-between; align-items: center; gap: 40px; }
.service-inner h2 { font-size: 31px; margin-bottom: 10px; }
.service-inner .eyebrow { color: #d8bd89; margin-bottom: 12px; }
.service-inner p { font-size: 13px; margin-bottom: 0; }
.service-notice { max-width: 280px; border-left: 1px solid #ffffff40; padding-left: 25px; }
.service-notice small { color: #bdccd6; display: block; margin-top: 8px; }

.quote-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 90px; }
.quote-grid > div > p:not(.eyebrow) { color: var(--muted); }
.preview-note { background: #f5f1e8; padding: 20px; border-left: 3px solid var(--gold); margin-top: 30px; }
.preview-note h3 { font-size: 14px; margin-bottom: 8px; }
.preview-note p { font-size: 13px; margin: 0; }
.quote-form { padding: 30px; background: #f6f8f9; border: 1px solid var(--line); border-radius: 8px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; }
label { display: block; font-size: 12px; font-weight: 600; margin-bottom: 17px; }
input, select, textarea {
  display: block;
  width: 100%;
  margin-top: 7px;
  border: 1px solid #cbd4d9;
  border-radius: 4px;
  padding: 12px;
  font-size: 14px;
  color: var(--ink);
  background: #fff;
}
textarea { resize: vertical; }
.quote-form .button { width: 100%; margin-top: 20px; }
#form-status { margin: 15px 0 0; font-size: 13px; }
:focus-visible { outline: 3px solid #b88936; outline-offset: 4px; }

footer { background: var(--navy-dark); color: #d3dce1; padding: 45px 0 25px; }
.footer-top { display: flex; justify-content: space-between; gap: 30px; padding-bottom: 25px; }
.footer-top p { font-size: 12px; }
.footer-brand { letter-spacing: 2px; font-size: 16px !important; margin-bottom: 4px; color: #fff; }
.footer-disclaimer { border-top: 1px solid #ffffff20; padding-top: 22px; font-size: 11px; color: #a8bbc8; }
.copyright { font-size: 10px; color: #a8bbc8; margin-bottom: 0; }

@media (max-width: 1050px) {
  nav { gap: 13px; font-size: 12px; }
  .hero-grid { gap: 35px; }
  .personal-grid, .quote-grid { gap: 45px; }
}

@media (max-width: 800px) {
  .header-inner { min-height: 80px; flex-wrap: wrap; gap: 0; }
  .brand-name { font-size: 12px; }
  .brand-subtitle { font-size: 8px; letter-spacing: 1.7px; }
  .menu-toggle { display: block; padding: 7px 12px; background: #fff; border: 1px solid var(--line); border-radius: 4px; }
  nav { display: none; width: 100%; padding: 15px 0 20px; flex-direction: column; align-items: stretch; gap: 15px; }
  nav.is-open { display: flex; }
  nav .button { justify-content: center; }
  .hero { padding: 45px 0; }
  .hero-grid, .personal-grid, .quote-grid { grid-template-columns: 1fr; gap: 35px; }
  h1 { letter-spacing: -1.3px; }
  .hero-card { max-width: 520px; width: 100%; }
  .strip-inner { flex-wrap: wrap; gap: 12px 20px; }
  .strip-inner > span { width: 100%; }
  .strip-inner p { font-size: 11px; }
  .section { padding: 55px 0; }
  .section-heading { display: block; }
  .section-heading > p { margin-top: 22px; }
  .three-grid { grid-template-columns: 1fr; }
  .personal-section { padding: 55px 0; }
  .service-inner { align-items: start; flex-direction: column; gap: 25px; }
  .service-notice { max-width: none; }
  .footer-top { flex-direction: column; gap: 10px; }
}

@media (max-width: 440px) {
  .form-grid { grid-template-columns: 1fr; gap: 0; }
  .quote-form { padding: 20px; }
  .hero-card { padding: 25px; }
  .card-heading { font-size: 37px; }
  .button-row { align-items: start; flex-direction: column; gap: 18px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .button { transition: none; }
  .button:hover { transform: none; }
}
/* Coverage library */
.library-navigation {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-start;
  gap: 12px;
  margin-bottom: 36px;
}

.library-navigation a {
  padding: 10px 15px;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: var(--cream);
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
}

.library-navigation a:hover {
  background: #eaf0f3;
}

.library-group {
  margin-top: 42px;
}

.library-group-title {
  margin-bottom: 22px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 29px;
  font-weight: 400;
  line-height: 1.25;
}

.library-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  align-items: start;
}

.coverage-guide {
  min-width: 0;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: #fcfcfa;
  overflow: hidden;
}

.coverage-guide summary {
  position: relative;
  display: block;
  padding: 25px 54px 25px 25px;
  cursor: pointer;
  list-style: none;
}

.coverage-guide summary::-webkit-details-marker {
  display: none;
}

.coverage-guide summary::after {
  content: "+";
  position: absolute;
  top: 25px;
  right: 24px;
  color: var(--navy);
  font-size: 25px;
  line-height: 1;
}

.coverage-guide[open] summary::after {
  content: "−";
}

.coverage-guide summary:hover {
  background: #f0f4f5;
}

.coverage-guide summary h4 {
  margin: 10px 0;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 25px;
  font-weight: 400;
  line-height: 1.25;
}

.guide-prompt {
  display: block;
  color: var(--muted);
  font-size: 12px;
}

.guide-body {
  padding: 0 25px 26px;
  border-top: 1px solid var(--line);
  overflow-wrap: anywhere;
}

.guide-body > p:first-child {
  margin-top: 22px;
}

.guide-body p,
.guide-body li {
  color: var(--muted);
  font-size: 14px;
}

.guide-body h5 {
  margin: 24px 0 9px;
  color: var(--navy);
  font-size: 14px;
  line-height: 1.4;
}

.guide-body ul {
  padding-left: 20px;
}

.guide-body li + li {
  margin-top: 7px;
}

.guide-link {
  display: inline-block;
  margin-top: 10px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.library-disclaimer {
  margin: 32px 0 0;
  padding-top: 22px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 12px;
}

/* Expanded client service */
.service-benefits {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 25px;
  margin-top: 35px;
  padding-top: 30px;
  border-top: 1px solid #ffffff30;
}

.service-benefits h3 {
  color: #fff;
  font-size: 19px;
  line-height: 1.3;
}

.service-benefits p {
  color: #c6d2da;
  font-size: 14px;
}

.service-benefits a {
  display: inline-block;
  margin-top: 8px;
  color: #e4cea5;
  font-size: 13px;
  text-decoration: underline;
  text-underline-offset: 4px;
}

/* Keep library category navigation visible on small screens */
@media (max-width: 800px) {
  .library-navigation {
    display: flex;
    width: 100%;
    padding: 0;
    flex-direction: row;
    align-items: stretch;
    gap: 10px;
  }

  .library-grid,
  .service-benefits {
    grid-template-columns: 1fr;
  }

  .library-group-title {
    font-size: 25px;
  }

  .service-benefits {
    gap: 28px;
  }
}