:root{--navy:#142b4f;--navy2:#0d1e38;--gold:#c4a47c;--gold2:#a8885f;--cream:#faf7f2;--ink:#1f2633;--muted:#5b6474;--line:#e6e0d6;--white:#fff;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 "Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--cream)}
img{max-width:100%;display:block}a{color:var(--navy)}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5vw,3.4rem)}h2{font-size:clamp(1.6rem,3.4vw,2.3rem)}h3{font-size:1.25rem}
p{margin:0 0 1em}.wrap{width:min(1140px,100% - 40px);margin:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
header.top{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);font-weight:600;line-height:1.15}
.brand img{width:54px;height:54px}.brand small{display:block;font-weight:400;color:var(--muted);font-size:.78rem}
nav.main ul{list-style:none;display:flex;gap:4px;margin:0;padding:0;flex-wrap:wrap}
nav.main a{text-decoration:none;color:var(--ink);padding:8px 11px;border-radius:8px;font-size:.95rem}
nav.main a:hover,nav.main a[aria-current]{background:var(--cream);color:var(--navy)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit}
@media(max-width:900px){.menu-btn{display:block}nav.main{display:none;width:100%}nav.main.open{display:block}nav.main ul{flex-direction:column;padding-bottom:10px}.bar{flex-wrap:wrap}}
.btn{display:inline-block;padding:13px 22px;border-radius:999px;text-decoration:none;font-weight:600;border:2px solid transparent;cursor:pointer;font-size:1rem}
.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:var(--navy2)}
.btn-gold{background:var(--gold);color:var(--navy2)}.btn-gold:hover{background:var(--gold2);color:#fff}
.btn-ghost{border-color:currentColor;color:#fff;background:transparent}
.hero{background:linear-gradient(120deg,var(--navy2),var(--navy));color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding:64px 0}
.hero h1{color:#fff}.hero p.lead{font-size:1.15rem;color:#e7ecf4;max-width:36em}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.hero img{border-radius:var(--r);box-shadow:0 20px 50px rgba(0,0,0,.35);aspect-ratio:4/5;object-fit:cover;width:100%}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;color:var(--gold);font-weight:600;margin-bottom:10px}
.page-hero{background:var(--navy);color:#fff;padding:52px 0}.page-hero h1{color:#fff;margin:0}.page-hero p{color:#e7ecf4;max-width:44em;margin:12px 0 0}
section{padding:64px 0}section.alt{background:var(--white)}
.grid{display:grid;gap:22px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}
@media(max-width:900px){.hero .wrap,.g2,.g3{grid-template-columns:1fr}.hero .wrap{padding:44px 0}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:26px}
section.alt .card{background:var(--cream)}
.card .ic{width:44px;height:44px;border-radius:12px;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-bottom:14px;font-weight:700}
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.split img{border-radius:var(--r);width:100%;aspect-ratio:3/2;object-fit:cover}
@media(max-width:900px){.split{grid-template-columns:1fr}}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px}
.steps li{counter-increment:s;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:18px 18px 18px 66px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:18px;top:16px;width:32px;height:32px;border-radius:50%;background:var(--gold);color:var(--navy2);display:grid;place-items:center;font-weight:700}
.band{background:var(--navy);color:#fff;border-radius:var(--r);padding:38px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.band h2{color:#fff;margin:0}.band p{margin:6px 0 0;color:#dfe5ee}
.team{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:22px}
.agent{background:var(--white);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.agent .ph{aspect-ratio:1/1;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-family:"Playfair Display",serif;font-size:3rem}
.agent .bd{padding:22px}.agent .role{color:var(--gold2);font-weight:600;font-size:.92rem;margin-bottom:8px}
.agent.open .ph{background:var(--cream);color:var(--navy);font-size:1.1rem;font-family:inherit;border-bottom:1px dashed var(--line)}
.checks{list-style:none;padding:0;margin:0}.checks li{padding-left:28px;position:relative;margin:0 0 10px}
.checks li::before{content:"";position:absolute;left:4px;top:.55em;width:12px;height:7px;border-left:2px solid var(--gold2);border-bottom:2px solid var(--gold2);transform:rotate(-45deg)}
.form-wrap{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:28px}
.wform{display:grid;grid-template-columns:1fr 1fr;gap:4px 16px}.wform .field{grid-column:1/-1}.wform .field.half{grid-column:auto}
@media(max-width:640px){.wform{grid-template-columns:1fr}.wform .field.half{grid-column:1/-1}}
.wform label{display:block;font-weight:600;font-size:.92rem;margin:8px 0 4px}
.wform input,.wform select,.wform textarea{width:100%;padding:11px 12px;border:1px solid #cfc7b9;border-radius:10px;font:inherit;background:#fff}
.wform textarea{min-height:120px}.wform [aria-invalid=true]{border-color:#b3261e}
.err{color:#b3261e;font-size:.85rem;margin:4px 0 0;min-height:1em}.req{color:#b3261e}.help{color:var(--muted);font-size:.85rem}
.form-error{grid-column:1/-1;color:#b3261e}.submit-row{grid-column:1/-1;display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:10px}
.thanks h3{margin-top:0}
.contact-list{list-style:none;padding:0;margin:0}.contact-list li{margin-bottom:12px}
footer.foot{background:var(--navy2);color:#c9d2df;padding:48px 0 28px;font-size:.93rem}
footer.foot a{color:#fff}footer.foot h3{color:#fff;font-size:1.05rem}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}@media(max-width:900px){.fgrid{grid-template-columns:1fr}}
.social{list-style:none;display:flex;gap:10px;padding:0;margin:12px 0 0}.social a{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.1);color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:20px;display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.legal svg{flex:none}.legal p{margin:0;font-size:.85rem}
.note{font-size:.9rem;color:var(--muted)}
.agent img.ph{aspect-ratio:1/1;object-fit:cover;width:100%;display:block}