:root {
  --ink: #17211f;
  --ink-soft: #46514e;
  --paper: #f7f8f4;
  --white: #ffffff;
  --forest: #16463d;
  --forest-dark: #0d302a;
  --sage: #b9c9b8;
  --gold: #d6a84f;
  --line: #d9ded8;
  --radius: 6px;
  --shadow: 0 18px 48px rgba(14, 48, 42, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 16px;
  line-height: 1.65;
}

a {
  color: inherit;
}

img {
  display: block;
  max-width: 100%;
}

.shell {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.97);
  border-bottom: 1px solid var(--line);
}

.nav {
  min-height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  color: var(--forest-dark);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
  font-weight: 700;
  letter-spacing: 0;
  text-decoration: none;
  white-space: nowrap;
}

.brand span {
  color: var(--gold);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
}

.nav-links a {
  color: var(--ink-soft);
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}

.nav-links a:hover,
.nav-links a:focus-visible {
  color: var(--forest);
}

.hero {
  position: relative;
  min-height: 520px;
  height: 72vh;
  max-height: 680px;
  display: flex;
  align-items: center;
  isolation: isolate;
  background: var(--forest-dark) url("assets/hero-v2.png") center center / cover no-repeat;
  color: var(--white);
}

.hero::before {
  position: absolute;
  inset: 0;
  z-index: -1;
  content: "";
  background: rgba(7, 31, 27, 0.68);
}

.hero-content {
  width: min(680px, 100%);
  padding: 60px 0;
}

.eyebrow {
  margin: 0 0 16px;
  color: #f2d18f;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  margin-top: 0;
  font-family: Georgia, "Times New Roman", serif;
  letter-spacing: 0;
}

h1 {
  max-width: 13ch;
  margin-bottom: 20px;
  font-size: 64px;
  line-height: 1.02;
}

.hero-copy {
  max-width: 56ch;
  margin: 0;
  color: #eef4f1;
  font-size: 19px;
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 32px;
}

.button {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-weight: 800;
  text-align: center;
  text-decoration: none;
}

.button-primary {
  background: var(--gold);
  color: #1d291f;
}

.button-primary:hover,
.button-primary:focus-visible {
  background: #e4ba65;
}

.button-secondary {
  border-color: rgba(255, 255, 255, 0.68);
  background: rgba(13, 48, 42, 0.64);
  color: var(--white);
}

.trust-band {
  background: var(--forest);
  color: var(--white);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.trust-item {
  min-height: 116px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 20px 28px;
  border-right: 1px solid rgba(255, 255, 255, 0.18);
}

.trust-item:last-child {
  border-right: 0;
}

.trust-item strong {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
}

.trust-item span {
  color: #dce9e5;
  font-size: 13px;
}

.section {
  padding: 88px 0;
}

.section-alt {
  background: var(--white);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.section-heading {
  display: grid;
  grid-template-columns: minmax(240px, 0.7fr) minmax(300px, 1fr);
  gap: 48px;
  align-items: end;
  margin-bottom: 40px;
}

.section-heading h2 {
  margin-bottom: 0;
  color: var(--forest-dark);
  font-size: 40px;
  line-height: 1.1;
}

.section-heading p {
  max-width: 62ch;
  margin: 0;
  color: var(--ink-soft);
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.card {
  padding: 28px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.card-number {
  display: block;
  margin-bottom: 24px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 900;
}

.card h3 {
  margin-bottom: 10px;
  color: var(--forest-dark);
  font-size: 22px;
}

.card p {
  margin: 0;
  color: var(--ink-soft);
}

.agent-flow {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.flow-step {
  min-height: 220px;
  padding: 28px 24px;
  border-right: 1px solid var(--line);
}

.flow-step:last-child {
  border-right: 0;
}

.flow-step b {
  display: block;
  margin-bottom: 12px;
  color: var(--forest-dark);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 21px;
}

.flow-step p {
  margin: 0;
  color: var(--ink-soft);
  font-size: 15px;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.contact-grid h2 {
  margin-bottom: 16px;
  color: var(--forest-dark);
  font-size: 40px;
}

.contact-grid p {
  color: var(--ink-soft);
}

.contact-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.contact-list li {
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
}

.contact-list strong {
  display: block;
  color: var(--forest-dark);
  font-size: 13px;
  text-transform: uppercase;
}

.contact-list a {
  color: var(--forest);
  font-weight: 800;
}

.sms-panel {
  padding: 36px;
  background: var(--forest-dark);
  border-radius: var(--radius);
  color: var(--white);
}

.sms-panel h3 {
  margin-bottom: 12px;
  font-size: 26px;
}

.sms-panel p {
  color: #deebe7;
}

.sms-panel .button {
  margin-top: 12px;
}

.sms-disclosure {
  margin-top: 18px;
  font-size: 12px;
  line-height: 1.55;
}

.sms-disclosure a {
  color: var(--white);
}

.legal-page {
  padding: 72px 0 96px;
}

.legal-page article {
  max-width: 800px;
}

.legal-page h1 {
  max-width: none;
  margin-bottom: 12px;
  color: var(--forest-dark);
  font-size: 46px;
}

.legal-page h2 {
  margin-top: 40px;
  margin-bottom: 10px;
  color: var(--forest-dark);
  font-size: 25px;
}

.legal-page p,
.legal-page li {
  color: var(--ink-soft);
}

.effective-date {
  padding-bottom: 24px;
  border-bottom: 1px solid var(--line);
}

.site-footer {
  padding: 44px 0;
  background: #101917;
  color: #cad5d1;
  font-size: 13px;
}

.footer-grid {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 32px;
}

.footer-grid p {
  max-width: 72ch;
  margin: 0;
}

.footer-links {
  display: flex;
  gap: 18px;
  white-space: nowrap;
}

.footer-links a {
  color: var(--white);
}

@media (max-width: 900px) {
  h1 {
    font-size: 48px;
  }

  .trust-grid,
  .cards,
  .agent-flow {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-item:nth-child(2) {
    border-right: 0;
  }

  .trust-item:nth-child(-n + 2) {
    border-bottom: 1px solid rgba(255, 255, 255, 0.18);
  }

  .flow-step:nth-child(2) {
    border-right: 0;
  }

  .flow-step:nth-child(-n + 2) {
    border-bottom: 1px solid var(--line);
  }

  .section-heading,
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}

@media (max-width: 640px) {
  .shell {
    width: min(100% - 28px, 1120px);
  }

  .nav {
    min-height: 64px;
  }

  .nav-links a:not(.nav-contact) {
    display: none;
  }

  .hero {
    min-height: 520px;
    height: 70vh;
    max-height: 620px;
    background-position: 62% center;
  }

  .hero::before {
    background: rgba(7, 31, 27, 0.72);
  }

  h1 {
    font-size: 40px;
  }

  .hero-copy {
    font-size: 17px;
  }

  .actions,
  .footer-grid,
  .footer-links {
    flex-direction: column;
  }

  .button {
    width: 100%;
  }

  .trust-grid,
  .cards,
  .agent-flow {
    grid-template-columns: 1fr;
  }

  .trust-item,
  .trust-item:nth-child(2),
  .flow-step,
  .flow-step:nth-child(2) {
    min-height: 0;
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.18);
  }

  .flow-step,
  .flow-step:nth-child(2) {
    border-bottom-color: var(--line);
  }

  .section {
    padding: 64px 0;
  }

  .section-heading h2,
  .contact-grid h2 {
    font-size: 34px;
  }

  .sms-panel {
    padding: 26px;
  }

  .legal-page h1 {
    font-size: 38px;
  }
}