:root {
  --bg: #f3f5f8;
  --surface: #ffffff;
  --surface-soft: #f8fafc;
  --ink: #17263c;
  --muted: #66788f;
  --line: rgba(23, 38, 60, 0.1);
  --brand: #20385e;
  --brand-deep: #13233e;
  --accent: #cda64b;
  --accent-soft: #f2e3b5;
  --shadow: 0 24px 60px rgba(16, 32, 54, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Public Sans", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at top left, rgba(205, 166, 75, 0.12), transparent 18%),
    linear-gradient(180deg, #f8fafc 0%, var(--bg) 100%);
}

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

.utility-bar {
  background: #101b2f;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.9rem;
}

.utility-inner {
  width: min(1240px, calc(100% - 48px));
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding: 10px 0;
}

.utility-links {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}

.utility-note {
  color: rgba(255, 255, 255, 0.62);
}

.site-shell {
  width: min(1240px, calc(100% - 48px));
  margin: 0 auto;
  padding: 18px 0 42px;
}

.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 16px;
}

.brand-logo {
  width: 84px;
  height: 84px;
  object-fit: contain;
}

.brand-copy {
  display: flex;
  flex-direction: column;
  gap: 4px;
  color: var(--muted);
}

.brand-copy strong {
  font-family: "Merriweather", serif;
  font-size: 1.15rem;
  color: var(--ink);
}

.nav {
  display: flex;
  align-items: center;
  gap: 26px;
  color: var(--muted);
  font-size: 0.95rem;
  font-weight: 700;
}

.header-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 14px;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.header-cta:hover,
.button:hover {
  transform: translateY(-1px);
}

.header-cta,
.button-primary {
  color: white;
  background: linear-gradient(135deg, var(--accent) 0%, #b88d31 100%);
  box-shadow: 0 14px 30px rgba(205, 166, 75, 0.24);
}

.header-cta {
  padding: 14px 22px;
  font-weight: 700;
}

.button {
  padding: 15px 24px;
  border: 0;
  cursor: pointer;
  font: inherit;
  font-weight: 700;
}

.button-secondary {
  color: white;
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.24);
}

.eyebrow,
.panel-kicker,
.featured-label {
  margin: 0;
  color: var(--accent);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.hero-shell {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(320px, 420px);
  gap: 30px;
  padding: 52px 40px;
  border-radius: 36px;
  background:
    linear-gradient(135deg, rgba(18, 33, 59, 0.97), rgba(27, 45, 76, 0.94)),
    radial-gradient(circle at top right, rgba(205, 166, 75, 0.18), transparent 22%);
  color: white;
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}

.hero-shell::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(120deg, rgba(255, 255, 255, 0.05), transparent 35%),
    radial-gradient(circle at bottom left, rgba(205, 166, 75, 0.08), transparent 26%);
  pointer-events: none;
}

.hero-copy,
.hero-panel {
  position: relative;
  z-index: 1;
}

.hero-copy h1,
.section-heading h2,
.broker-copy h2,
.contact-panel h2,
.service-card h3,
.process-card h3,
.card-form h3,
.thank-you-card h1 {
  margin: 0;
  font-family: "Public Sans", sans-serif;
  letter-spacing: -0.04em;
}

.hero-copy h1 {
  margin-top: 16px;
  max-width: 10ch;
  font-size: clamp(3.2rem, 6vw, 5.6rem);
  line-height: 0.96;
}

.hero-text,
.section-heading p,
.broker-copy p,
.contact-intro,
.contact-details p,
.service-card p,
.process-card p,
.card-form p,
.thank-you-card p {
  line-height: 1.7;
  font-size: 1rem;
}

.hero-text {
  max-width: 60ch;
  margin: 20px 0 0;
  color: rgba(255, 255, 255, 0.8);
  font-size: 1.06rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 28px;
}

.hero-featured {
  margin-top: 34px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.featured-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
}

.featured-chip {
  display: inline-flex;
  align-items: center;
  padding: 9px 12px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.88rem;
  font-weight: 700;
}

.hero-panel {
  display: grid;
  gap: 18px;
}

.hero-panel-card,
.hero-panel-contact,
.service-card,
.process-card,
.card-form,
.broker-logo-block,
.stat-card,
.thank-you-card {
  background: var(--surface);
  border: 1px solid rgba(255, 255, 255, 0.78);
  box-shadow: var(--shadow);
}

.hero-panel-card {
  padding: 24px;
  border-radius: 28px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow: none;
}

.advantage-metric {
  padding-top: 18px;
  margin-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.advantage-metric:first-of-type {
  border-top: 0;
  margin-top: 0;
  padding-top: 14px;
}

.advantage-metric strong {
  display: block;
  margin-bottom: 6px;
  font-size: 1.15rem;
  font-weight: 800;
}

.advantage-metric span {
  color: rgba(255, 255, 255, 0.74);
  line-height: 1.6;
}

.hero-panel-contact {
  padding: 22px 24px;
  border-radius: 28px;
  display: grid;
  gap: 16px;
  background: rgba(255, 255, 255, 0.98);
}

.hero-panel-contact div {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  align-items: baseline;
}

.hero-panel-contact span,
.contact-details span {
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 700;
}

.hero-panel-contact a,
.hero-panel-contact p,
.contact-details a,
.contact-details p {
  margin: 6px 0 0;
  font-family: "Merriweather", serif;
  font-size: 1.1rem;
  color: var(--ink);
}

.stats-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 18px;
}

.stat-card {
  padding: 20px 22px;
  border-radius: 24px;
}

.stat-card span {
  display: block;
  margin-bottom: 8px;
  color: var(--muted);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.stat-card strong {
  font-family: "Merriweather", serif;
  font-size: 1.1rem;
  line-height: 1.35;
}

.section {
  padding-top: 72px;
}

.centered-heading {
  text-align: center;
  margin-inline: auto;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 24px;
}

.section-heading-tight {
  max-width: 620px;
}

.section-heading h2,
.broker-copy h2,
.contact-panel h2 {
  font-size: clamp(2.3rem, 4vw, 3.6rem);
  line-height: 1.06;
  color: var(--ink);
}

.section-heading p,
.broker-copy p,
.contact-intro {
  color: var(--muted);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.service-card {
  min-height: 220px;
  padding: 24px;
  border-radius: 28px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.98), rgba(248, 250, 252, 0.96));
}

.service-card h3 {
  margin-bottom: 12px;
  font-size: 1.35rem;
  line-height: 1.16;
  color: var(--ink);
}

.service-card p {
  color: var(--muted);
}

.service-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 42px;
  height: 42px;
  margin-bottom: 18px;
  padding: 0 12px;
  border-radius: 12px;
  background: rgba(205, 166, 75, 0.14);
  color: var(--brand);
  font-size: 0.88rem;
  font-weight: 800;
}

.broker-section {
  display: grid;
  grid-template-columns: minmax(280px, 0.92fr) minmax(0, 1.08fr);
  gap: 34px;
  align-items: center;
}

.broker-logo-block {
  padding: 34px;
  border-radius: 32px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.98), rgba(247, 250, 252, 0.94));
  text-align: center;
}

.broker-logo-large {
  width: min(320px, 100%);
  object-fit: contain;
}

.broker-badge {
  margin-top: 20px;
  padding: 16px 18px;
  border-radius: 22px;
  background: rgba(205, 166, 75, 0.14);
  color: var(--brand-deep);
}

.broker-badge strong {
  display: block;
  margin-bottom: 6px;
  font-size: 1.05rem;
}

.broker-copy p {
  margin-top: 18px;
}

.broker-checks {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 24px;
}

.broker-checks div {
  padding: 14px 16px;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.8);
  border: 1px solid var(--line);
  color: var(--ink);
  font-weight: 700;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.process-card {
  padding: 24px;
  border-radius: 28px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.98), rgba(248, 250, 252, 0.95));
}

.process-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 18px;
  border-radius: 50%;
  background: rgba(205, 166, 75, 0.16);
  color: var(--brand-deep);
  font-size: 0.92rem;
  font-weight: 800;
}

.process-card h3 {
  margin-bottom: 10px;
  font-size: 1.28rem;
  color: var(--ink);
}

.process-card p {
  color: var(--muted);
}

.contact-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 24px;
  align-items: start;
}

.contact-panel {
  padding: 8px 0;
}

.contact-details {
  display: grid;
  gap: 16px;
  margin: 24px 0;
}

.form-status-box {
  padding: 16px 18px;
  border-radius: 20px;
  background: rgba(205, 166, 75, 0.14);
  border: 1px solid rgba(205, 166, 75, 0.28);
  color: #75591a;
  line-height: 1.55;
}

.card-form {
  padding: 26px;
  border-radius: 30px;
}

.form-heading p {
  margin: 8px 0 0;
  color: var(--muted);
}

label {
  display: grid;
  gap: 8px;
  margin-top: 14px;
  font-size: 0.95rem;
  font-weight: 700;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid rgba(23, 38, 60, 0.12);
  border-radius: 14px;
  padding: 14px 15px;
  font: inherit;
  color: var(--ink);
  background: rgba(248, 250, 252, 0.92);
}

input:focus,
select:focus,
textarea:focus {
  outline: 2px solid rgba(32, 56, 94, 0.16);
  border-color: var(--brand);
}

textarea {
  resize: vertical;
  min-height: 110px;
}

.form-button {
  width: 100%;
  margin-top: 18px;
}

.form-feedback {
  display: none;
  margin-top: 14px;
  padding: 14px 16px;
  border-radius: 16px;
  line-height: 1.55;
  font-size: 0.95rem;
}

.form-feedback.is-visible {
  display: block;
}

.form-feedback.is-success {
  background: rgba(49, 133, 88, 0.12);
  border: 1px solid rgba(49, 133, 88, 0.22);
  color: #245f40;
}

.form-feedback.is-error {
  background: rgba(176, 69, 69, 0.12);
  border: 1px solid rgba(176, 69, 69, 0.22);
  color: #7e2f2f;
}

.formsubmit-frame {
  width: 0;
  height: 0;
  border: 0;
  visibility: hidden;
}

.footer {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  margin-top: 64px;
  padding: 26px 0 10px;
  border-top: 1px solid rgba(23, 38, 60, 0.09);
}

.footer p {
  margin: 8px 0 0;
  color: var(--muted);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
  color: var(--muted);
}

.thank-you-body {
  min-height: 100vh;
  display: grid;
  place-items: center;
  padding: 24px;
}

.thank-you-card {
  width: min(640px, 100%);
  padding: 38px;
  border-radius: 32px;
  text-align: center;
}

.thank-you-card h1 {
  font-size: clamp(2.4rem, 5vw, 4rem);
  margin-bottom: 14px;
}

.thank-you-card .button {
  margin-top: 12px;
}

@media (max-width: 1100px) {
  .hero-shell,
  .broker-section,
  .contact-layout {
    grid-template-columns: 1fr;
  }

  .services-grid,
  .process-grid,
  .stats-strip,
  .broker-checks {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 820px) {
  .utility-inner,
  .site-shell {
    width: min(100% - 20px, 1240px);
  }

  .section {
    padding-top: 46px;
  }

  .section-heading {
    margin-bottom: 16px;
  }

  .section-heading h2,
  .broker-copy h2,
  .contact-panel h2 {
    font-size: clamp(1.9rem, 9vw, 2.5rem);
    line-height: 1.08;
  }

  .section-heading p,
  .broker-copy p,
  .contact-intro,
  .service-card p,
  .process-card p {
    font-size: 0.98rem;
    line-height: 1.55;
  }

  .utility-inner,
  .topbar,
  .footer {
    flex-direction: column;
  }

  .topbar {
    align-items: center;
    text-align: center;
  }

  .nav {
    flex-wrap: wrap;
    justify-content: center;
  }

  .hero-shell {
    padding: 26px 20px;
  }

  .hero-copy h1 {
    max-width: none;
    font-size: clamp(2.5rem, 11vw, 4rem);
  }

  .hero-panel-contact div,
  .brand {
    display: grid;
    justify-items: center;
    text-align: center;
  }

  .hero-panel-contact {
    padding: 18px 18px 20px;
    gap: 14px;
    border-radius: 22px;
  }

  .hero-panel-contact div {
    display: grid;
    justify-items: start;
    text-align: left;
    gap: 2px;
  }

  .hero-panel-contact a,
  .hero-panel-contact p {
    margin: 0;
    font-size: 0.98rem;
    line-height: 1.35;
    word-break: break-word;
  }

  .services-grid,
  .process-grid,
  .stats-strip,
  .broker-checks {
    grid-template-columns: 1fr;
  }

  .stats-strip {
    gap: 12px;
    margin-top: 14px;
  }

  .stat-card {
    padding: 16px 18px;
    border-radius: 20px;
  }

  .services-grid {
    gap: 12px;
  }

  .service-card {
    min-height: 0;
    padding: 18px 18px 20px;
    border-radius: 22px;
  }

  .service-badge {
    min-width: 34px;
    height: 34px;
    margin-bottom: 14px;
    padding: 0 10px;
    border-radius: 10px;
    font-size: 0.8rem;
  }

  .service-card h3 {
    margin-bottom: 8px;
    font-size: 1.15rem;
    line-height: 1.15;
  }

  .broker-section {
    gap: 22px;
  }

  .broker-logo-block {
    padding: 24px 20px;
    border-radius: 24px;
  }

  .broker-badge {
    margin-top: 16px;
    padding: 14px 15px;
  }

  .broker-copy p {
    margin-top: 14px;
  }

  .broker-checks {
    gap: 10px;
    margin-top: 18px;
  }

  .broker-checks div {
    padding: 12px 14px;
    font-size: 0.95rem;
  }

  .process-grid {
    gap: 12px;
  }

  .process-card {
    padding: 18px;
    border-radius: 22px;
  }

  .process-number {
    width: 38px;
    height: 38px;
    margin-bottom: 14px;
    font-size: 0.82rem;
  }

  .process-card h3 {
    margin-bottom: 8px;
    font-size: 1.12rem;
  }

  .contact-layout {
    gap: 18px;
  }

  .contact-details {
    gap: 12px;
    margin: 18px 0;
  }

  .card-form {
    padding: 20px 18px;
    border-radius: 22px;
  }

  .brand-logo {
    width: 76px;
    height: 76px;
  }
}