/* Navy masthead from the logo, cool paper body; gold only for rules, marks and the primary action. */
:root{
  --navy:#091A38;--navy-2:#11264d;--navy-3:#1b3363;
  --gold:#C9A24D;--gold-soft:#E3C98A;
  --on-navy:#F3F5FA;--on-navy-dim:#AEB8CC;
  --bg:#F6F7FA;--surface:#FFFFFF;--ink:#0E1A30;--ink-2:#4A5670;--line:#DCE1EB;
  --accent-ink:#8A6A22;--focus:#C9A24D;
  --f-display:"Cinzel","Trajan Pro",Georgia,serif;
  --f-body:"Source Serif 4",Georgia,"Times New Roman",serif;
  --f-ui:"Jost","Futura","Avenir Next",system-ui,sans-serif;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){:root{--bg:#060F22;--surface:#0D1C38;--ink:#E9EDF5;--ink-2:#A3AEC4;--line:#1E3157;--accent-ink:#E3C98A;color-scheme:dark}}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
html,body{margin:0}
img{max-width:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--bg);color:var(--ink);font-family:var(--f-body);font-size:17px;line-height:1.6;padding-bottom:env(safe-area-inset-bottom,0px)}
.wrap{max-width:1120px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
h1,h2,h3{text-wrap:balance;margin:0}
p{margin:0}
a{color:inherit}
:focus-visible{outline:2px solid var(--focus);outline-offset:3px}
.eyebrow{font-family:var(--f-ui);font-size:13px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--accent-ink)}
.skip{position:absolute;left:-999px;top:0}.skip:focus{left:16px;top:8px;z-index:20;background:var(--gold);color:var(--navy);padding:8px 12px}

/* header */
header.top{position:sticky;top:0;z-index:9;background:var(--navy);border-bottom:1px solid rgba(201,162,77,.25)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:10px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--on-navy)}
.brand img{height:44px;width:44px;display:block}
.brand span{font-family:var(--f-display);font-weight:600;letter-spacing:.12em;font-size:18px;line-height:1}
.brand small{display:block;font-family:var(--f-ui);font-size:10px;letter-spacing:.2em;color:var(--gold);margin-top:4px}
nav.links{display:flex;gap:22px;align-items:center;font-family:var(--f-ui);font-size:15px}
nav.links a{color:var(--on-navy-dim);text-decoration:none}
nav.links a:hover,nav.links a[aria-current]{color:var(--on-navy)}
nav.links a.lang{border:1px solid rgba(201,162,77,.5);padding:4px 10px;border-radius:2px;color:var(--gold-soft)}
.menu-btn{display:none;background:none;border:1px solid rgba(243,245,250,.35);color:var(--on-navy);font-family:var(--f-ui);font-size:14px;padding:8px 12px;border-radius:2px;cursor:pointer}
@media (max-width:900px){
  .menu-btn{display:inline-block}
  nav.links{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;background:var(--navy);border-bottom:1px solid rgba(201,162,77,.25);padding:8px max(16px,env(safe-area-inset-left,0px)) 16px}
  nav.links.open{display:flex}
  nav.links a{padding:12px 0;border-bottom:1px solid rgba(255,255,255,.06);font-size:17px}
  nav.links a.lang{border:0;padding:12px 0}
  nav.links .btn{margin-top:12px}
}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--f-ui);font-weight:600;font-size:15px;letter-spacing:.04em;padding:12px 20px;border-radius:3px;text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn-gold{background:var(--gold);color:var(--navy)!important}
.btn-gold:hover{background:var(--gold-soft)}
.btn-ghost{border-color:rgba(243,245,250,.35);color:var(--on-navy)}
.btn-ghost:hover{border-color:var(--on-navy)}
.btn-line{border-color:var(--line);color:var(--ink)}
.btn-line:hover{border-color:var(--accent-ink)}
nav.links .btn{padding:9px 16px}

/* hero */
.hero{background:var(--navy);color:var(--on-navy);overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding-block:56px 64px}
.hero h1{font-family:var(--f-display);font-weight:500;font-size:clamp(34px,5vw,56px);line-height:1.12;letter-spacing:.02em}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p.lede{font-size:19px;color:var(--on-navy-dim);max-width:34em;margin-top:20px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:24px;font-family:var(--f-ui);font-size:13px;letter-spacing:.08em}
.chips span{border:1px solid rgba(201,162,77,.45);color:var(--on-navy);padding:6px 12px;border-radius:2px}
.chips span b{color:var(--gold);font-weight:600}
.hero-logo{min-width:0}
.hero-logo img{width:100%;height:auto;display:block}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr;gap:28px;padding-block:32px 44px}.hero-logo{order:-1;max-width:460px}}
.page-hero{background:var(--navy);color:var(--on-navy)}
.page-hero .wrap{padding-block:48px 52px;display:grid;gap:14px}
.page-hero .eyebrow{color:var(--gold)}
.page-hero h1{font-family:var(--f-display);font-weight:500;font-size:clamp(30px,4.4vw,48px);line-height:1.15;letter-spacing:.02em;max-width:20em}
.page-hero p{color:var(--on-navy-dim);font-size:19px;max-width:40em}

/* carriers strip */
.carriers{background:var(--surface);border-bottom:1px solid var(--line)}
.carriers .wrap{display:grid;gap:16px;padding-block:28px;justify-items:center;text-align:center}
.carriers p{font-family:var(--f-ui);font-size:13px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-2)}
.carrier-list{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 28px;list-style:none;margin:0;padding:0}
.carrier-list li{display:flex;align-items:center;font-family:var(--f-ui);font-weight:600;font-size:19px;color:var(--ink);letter-spacing:.02em}
.carrier-list li.lg svg{display:block;width:auto;max-width:150px;color:var(--ink)}
.carrier-list li+li::before{content:"";display:inline-block;width:5px;height:5px;background:var(--gold);transform:rotate(45deg);margin-right:28px;vertical-align:4px}
@media (max-width:600px){.carrier-list li+li::before{display:none}.carrier-list{gap:8px 18px}.carrier-list li{font-size:16px}}

/* sections */
section{padding-block:80px}
section .head{max-width:660px;display:grid;gap:12px;margin-bottom:40px}
section h2{font-family:var(--f-display);font-weight:500;font-size:clamp(28px,3.4vw,40px);line-height:1.2;letter-spacing:.02em}
section .head p{color:var(--ink-2)}
@media (max-width:600px){section{padding-block:56px}}
.alt{background:var(--surface);border-block:1px solid var(--line)}
.prose{max-width:42em;display:grid;gap:16px}
.prose p{color:var(--ink-2)}

/* coverage grid */
.cov{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cov article{padding:28px 24px 32px;display:grid;gap:12px;align-content:start;min-width:0}
.cov article+article{border-left:1px solid var(--line)}
.cov svg{width:40px;height:40px;color:var(--accent-ink)}
.cov h3{font-family:var(--f-ui);font-weight:600;font-size:15px;letter-spacing:.18em;text-transform:uppercase}
.cov p{color:var(--ink-2);font-size:16px}
.cov a.more{font-family:var(--f-ui);font-size:14px;font-weight:600;color:var(--accent-ink);text-decoration:none}
.cov a.more:hover{text-decoration:underline}
ul.ticks{margin:4px 0 0;padding:0;list-style:none;display:grid;gap:6px;font-family:var(--f-ui);font-size:15px}
ul.ticks li{display:flex;gap:8px}
ul.ticks li::before{content:"";flex:none;width:6px;height:6px;margin-top:9px;transform:rotate(45deg);background:var(--gold)}
@media (max-width:960px){.cov{grid-template-columns:repeat(2,1fr)}.cov article:nth-child(3){border-left:0}.cov article:nth-child(n+3){border-top:1px solid var(--line)}}
@media (max-width:540px){.cov{grid-template-columns:1fr}.cov article+article{border-left:0;border-top:1px solid var(--line)}}

/* product list pages */
.products{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;border-top:1px solid var(--line)}
.products article{padding:28px 28px 32px 0;border-bottom:1px solid var(--line);display:grid;gap:10px;align-content:start}
.products article:nth-child(even){padding-left:28px;padding-right:0;border-left:1px solid var(--line)}
.products h3{font-family:var(--f-ui);font-weight:600;font-size:20px}
.products p{color:var(--ink-2);font-size:16px}
@media (max-width:760px){.products{grid-template-columns:1fr}.products article,.products article:nth-child(even){padding:24px 0;border-left:0}}
.group-title{font-family:var(--f-ui);font-size:14px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--accent-ink);margin:48px 0 0;padding-bottom:12px}
.group-title:first-of-type{margin-top:0}
.cta-band{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px;margin-top:48px;padding:28px;border:1px solid var(--line);background:var(--surface);border-radius:3px}
.cta-band p{font-family:var(--f-ui);font-size:18px;font-weight:500}
.cta-band .ctas{display:flex;flex-wrap:wrap;gap:10px}

/* why independent */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.why div{display:grid;gap:10px;align-content:start;border-top:1px solid var(--gold);padding-top:18px}
.why h3{font-family:var(--f-ui);font-weight:600;font-size:18px}
.why p{color:var(--ink-2);font-size:16px}
@media (max-width:860px){.why{grid-template-columns:1fr;gap:24px}}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:3px;background:var(--surface)}
table{border-collapse:collapse;width:100%;min-width:560px;font-family:var(--f-ui);font-size:15px}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-2);font-weight:600;background:var(--bg)}
tbody th{font-weight:600}
td.yes{color:var(--ink)}
td.no{color:var(--ink-2)}
tr:last-child th,tr:last-child td{border-bottom:0}

/* process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;counter-reset:s;list-style:none;margin:0;padding:0}
.steps li{display:grid;gap:10px;align-content:start;counter-increment:s;min-width:0}
.steps li::before{content:counter(s);font-family:var(--f-display);font-size:28px;color:var(--accent-ink);line-height:1;padding-bottom:12px;border-bottom:1px solid var(--gold)}
.steps h3{font-family:var(--f-ui);font-weight:600;font-size:18px}
.steps p{color:var(--ink-2);font-size:16px}
@media (max-width:860px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

/* about */
.about .wrap{display:grid;grid-template-columns:minmax(0,380px) minmax(0,1fr);gap:56px;align-items:center}
.portrait{position:relative;margin:0;isolation:isolate}
.portrait img{width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;display:block;border-radius:2px}
.portrait::after{content:"";position:absolute;inset:14px -14px -14px 14px;border:1px solid var(--gold);z-index:-1;border-radius:2px}
.about .copy{display:grid;gap:18px;max-width:36em}
.about .sig{font-family:var(--f-display);font-size:22px;letter-spacing:.06em}
.about .sig small{display:block;font-family:var(--f-ui);font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-2);margin-top:4px}
@media (max-width:820px){.about .wrap{grid-template-columns:1fr;gap:40px}.portrait{max-width:320px}}

/* service hub */
.hub{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:48px}
.hub a{display:grid;gap:6px;padding:22px;border:1px solid var(--line);border-radius:3px;background:var(--surface);text-decoration:none}
.hub a:hover{border-color:var(--gold)}
.hub b{font-family:var(--f-ui);font-size:17px;font-weight:600}
.hub span{color:var(--ink-2);font-size:15px}
@media (max-width:760px){.hub{grid-template-columns:1fr}}
.carrier-table a{color:var(--accent-ink);font-weight:600;text-decoration:none;white-space:nowrap}
.carrier-table a:hover{text-decoration:underline}
.carrier-table .tel{white-space:nowrap;font-variant-numeric:tabular-nums}
.note-box{margin-top:20px;padding:16px 18px;border-left:2px solid var(--gold);background:var(--surface);font-size:16px;color:var(--ink-2);max-width:48em}

/* quote */
.quote{background:var(--navy);color:var(--on-navy)}
.quote .eyebrow{color:var(--gold)}
.quote .head p{color:var(--on-navy-dim)}
.quote .wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:56px;align-items:start}
.contact{display:grid;gap:20px;font-family:var(--f-ui);margin:0}
.contact div{display:grid;gap:2px;padding-bottom:16px;border-bottom:1px solid rgba(201,162,77,.25)}
.contact dt{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
.contact dd{margin:0;font-size:18px;color:var(--on-navy)}
.contact dd a{text-decoration:none}
.contact dd a:hover{color:var(--gold-soft)}
form.qf{display:grid;grid-template-columns:1fr 1fr;gap:16px;background:var(--navy-2);padding:28px;border-radius:3px;border:1px solid rgba(201,162,77,.25)}
form.qf .full{grid-column:1/-1}
form.qf label{display:grid;gap:6px;font-family:var(--f-ui);font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--on-navy-dim)}
form.qf input,form.qf select,form.qf textarea{font:inherit;font-family:var(--f-ui);font-size:16px;letter-spacing:normal;text-transform:none;color:var(--on-navy);background:var(--navy);border:1px solid #2b4170;border-radius:2px;padding:11px 12px;width:100%;color-scheme:dark}
form.qf input:focus,form.qf select:focus,form.qf textarea:focus{border-color:var(--gold);outline:none}
form.qf fieldset{border:0;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px}
form.qf legend{font-family:var(--f-ui);font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--on-navy-dim);margin-bottom:8px;padding:0}
.chip{position:relative}
.chip input{position:absolute;opacity:0;width:1px;height:1px}
.chip span{display:inline-block;padding:8px 14px;border:1px solid #2b4170;border-radius:2px;font-family:var(--f-ui);font-size:14px;letter-spacing:.1em;text-transform:uppercase;color:var(--on-navy-dim);cursor:pointer}
.chip input:checked+span{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.chip input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.note{font-family:var(--f-ui);font-size:15px;color:var(--gold-soft);min-height:1.4em}
@media (max-width:860px){.quote .wrap{grid-template-columns:1fr;gap:40px}}
@media (max-width:520px){form.qf{grid-template-columns:1fr;padding:20px}}
form.qf.light{background:var(--surface);border-color:var(--line)}
form.qf.light label,form.qf.light legend{color:var(--ink-2)}
form.qf.light input,form.qf.light select,form.qf.light textarea{background:var(--bg);color:var(--ink);border-color:var(--line);color-scheme:inherit}
form.qf.light .note{color:var(--accent-ink)}

footer{background:var(--navy);color:var(--on-navy-dim);border-top:1px solid rgba(201,162,77,.25);font-family:var(--f-ui);font-size:14px}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;padding-block:44px 28px}
footer h4{margin:0 0 10px;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:600}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:6px}
footer a{text-decoration:none;color:var(--on-navy-dim)}
footer a:hover{color:var(--on-navy)}
footer .brandline img{width:260px;max-width:100%;height:auto;display:block;margin-bottom:12px}
footer .legal{border-top:1px solid rgba(255,255,255,.08);padding-block:18px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;font-size:13px}
@media (max-width:860px){footer .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){footer .cols{grid-template-columns:1fr}}

/* faq */
.faq{max-width:52em;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{font-family:var(--f-ui);font-weight:600;font-size:18px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--accent-ink);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:10px;color:var(--ink-2)}
.crumbs{font-family:var(--f-ui);font-size:13px;letter-spacing:.06em;color:var(--on-navy-dim)}
.crumbs a{color:var(--on-navy-dim);text-decoration:none}.crumbs a:hover{color:var(--on-navy)}
.areas{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:48px;align-items:start}
.areas ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.areas li{font-family:var(--f-ui);font-size:15px;padding:7px 12px;border:1px solid var(--line);border-radius:2px;background:var(--surface)}
@media (max-width:820px){.areas{grid-template-columns:1fr;gap:24px}}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:40px}
@media (max-width:820px){.split{grid-template-columns:1fr}}

.hub-2{grid-template-columns:repeat(2,1fr)}
@media (max-width:760px){.hub-2{grid-template-columns:1fr}}
.article{max-width:42em}
.article h2{font-family:var(--f-ui);font-weight:600;font-size:22px;letter-spacing:0;margin-top:16px}
.article p{font-size:18px;line-height:1.7}

.tgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.tcard{margin:0;padding:24px;background:var(--surface);border:1px solid var(--line);border-top:2px solid var(--gold);border-radius:3px;display:grid;gap:16px;align-content:space-between}
.tcard blockquote{margin:0;font-size:17px;line-height:1.6}
.tcard figcaption{display:grid;gap:2px;font-family:var(--f-ui);font-size:14px}
.tcard figcaption span{color:var(--ink-2)}
.tnote{margin-top:16px;font-family:var(--f-ui);font-size:13px;color:var(--ink-2)}

/* mobile call bar */
.callbar{display:none}
@media (max-width:760px){
  .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:10;background:var(--navy);border-top:1px solid rgba(201,162,77,.35);padding:8px max(12px,env(safe-area-inset-left,0px)) calc(8px + env(safe-area-inset-bottom,0px));gap:8px}
  .callbar a{padding:12px}
  body{padding-bottom:calc(68px + env(safe-area-inset-bottom,0px))}
}