:root {
  --navy: #0a4775;
  --navy-2: #126796;
  --teal: #10b9bf;
  --teal-dark: #078f96;
  --coral: #ff7658;
  --ink: #14334b;
  --muted: #486b80;
  --pale: #ecfbfb;
  --white: #ffffff;
  --line: #d9e6ea;
  --shadow: 0 20px 55px rgba(8, 51, 81, .14);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: #fff;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.55;
}
a { color: inherit; }
button, input, select, textarea { font: inherit; }
.wrap { width: min(1140px, calc(100% - 40px)); margin: 0 auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255,255,255,.95);
  border-bottom: 1px solid rgba(6,47,87,.1);
  backdrop-filter: blur(14px);
}
.nav { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; font-weight: 800; color: var(--navy); }
.brand-mark { width: 42px; height: 42px; display: grid; place-items: center; background: var(--navy); color: white; border-radius: 12px; font-size: 24px; box-shadow: 0 8px 24px rgba(6,47,87,.22); }
.brand small { display: block; font-size: .72rem; letter-spacing: .09em; text-transform: uppercase; color: var(--teal-dark); font-weight: 800; }
.nav-links { display: flex; flex-shrink: 0; align-items: center; gap: 24px; }
.nav-links a { font-weight: 700; text-decoration: none; color: #29465c; }
.nav-links a:hover { color: var(--teal-dark); }
.nav-call, .nav-text { min-height: 44px; display: inline-flex; align-items: center; justify-content: center; padding: 10px 16px; border-radius: 999px; color: white !important; white-space: nowrap; box-shadow: 0 8px 20px rgba(7,71,117,.18); }
.nav-call { background: #d94b2b; }
.nav-call:hover { background: #b93a20; }
.nav-text { background: #007c83; }
.nav-text:hover { background: #005f65; }

.hero { position: relative; overflow: hidden; padding: 72px 0 82px; background: linear-gradient(135deg,#ecfbff 0%,#fff 44%,#dff7f7 100%); }
.hero::after { content: ""; position: absolute; width: 460px; height: 460px; right: -190px; top: -160px; border-radius: 50%; background: rgba(11,155,161,.08); }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.02fr .98fr; align-items: center; gap: 56px; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; margin: 0 0 18px; color: var(--teal-dark); font-size: .83rem; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.eyebrow::before { content: ""; width: 28px; height: 3px; border-radius: 2px; background: var(--coral); }
h1 { margin: 0; max-width: 720px; font-size: clamp(2.65rem, 5vw, 4.7rem); line-height: .98; letter-spacing: -.055em; color: var(--navy); }
h1 span { color: var(--teal-dark); }
.hero-copy { margin: 24px 0 30px; max-width: 610px; font-size: 1.15rem; color: var(--muted); }
.start-here { max-width: 610px; margin: -8px 0 24px; padding: 16px 18px; display: flex; align-items: flex-start; gap: 14px; border: 2px solid rgba(217,75,43,.28); border-radius: 15px; background: #fff7f3; box-shadow: 0 10px 26px rgba(10,71,117,.08); }
.start-icon { flex: 0 0 36px; width: 36px; height: 36px; display: grid; place-items: center; border-radius: 50%; color: white; background: #d94b2b; font-size: 1.18rem; font-weight: 900; }
.start-here strong { display: block; margin-bottom: 3px; color: var(--navy); font-size: 1.08rem; }
.start-here p { margin: 0; color: #405f72; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 50px; padding: 0 22px; border: 2px solid transparent; border-radius: 12px; text-decoration: none; font-weight: 800; cursor: pointer; }
.btn-primary { color: white; background: #d94b2b; box-shadow: 0 12px 26px rgba(217,75,43,.28); }
.btn-primary:hover { background: #b93a20; transform: translateY(-1px); }
.btn-secondary { color: white; background: #007c83; border-color: #007c83; box-shadow: 0 10px 24px rgba(0,124,131,.2); }
.btn-secondary:hover { background: #005f65; border-color: #005f65; transform: translateY(-1px); }
.micro { margin: 16px 0 0; color: #5b7180; font-size: .9rem; }
.hero-visual { position: relative; }
.hero-visual img { display: block; width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 28px 28px 88px 28px; box-shadow: var(--shadow); }
.license-card { position: absolute; left: -24px; bottom: 26px; width: min(310px, 82%); padding: 18px 20px; border: 1px solid rgba(255,255,255,.8); border-radius: 16px; color: white; background: rgba(10,71,117,.94); box-shadow: 0 14px 35px rgba(6,47,87,.25); backdrop-filter: blur(8px); }
.license-card strong { display: block; font-size: 1.05rem; }
.license-card span { color: #cceff0; font-size: .9rem; }

.trust-strip { background: var(--navy); color: white; }
.trust-grid { display: grid; grid-template-columns: repeat(3,1fr); }
.trust-item { padding: 22px 24px; text-align: center; font-weight: 800; border-right: 1px solid rgba(255,255,255,.14); }
.trust-item:last-child { border-right: 0; }
.trust-item span { color: #72d4d7; margin-right: 8px; }

section { padding: 88px 0; }
.section-head { max-width: 680px; margin-bottom: 38px; }
.section-head h2 { margin: 0 0 14px; color: var(--navy); font-size: clamp(2rem,4vw,3rem); line-height: 1.08; letter-spacing: -.04em; }
.section-head p { margin: 0; color: var(--muted); font-size: 1.05rem; }
.coverage-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.coverage-card { padding: 30px; border: 1px solid var(--line); border-radius: 20px; background: white; box-shadow: 0 12px 35px rgba(6,47,87,.07); transition: .2s ease; }
.coverage-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.icon { width: 52px; height: 52px; display: grid; place-items: center; margin-bottom: 22px; border-radius: 14px; color: white; background: var(--teal); font-size: 1.45rem; }
.coverage-card h3 { margin: 0 0 10px; color: var(--navy); font-size: 1.35rem; }
.coverage-card p { margin: 0; color: var(--muted); }
.marketplace-callout { margin-top: 24px; padding: 22px 24px; display: flex; align-items: center; gap: 18px; border: 2px solid rgba(0,124,131,.3); border-radius: 18px; background: #ecfbfb; }
.marketplace-icon { flex: 0 0 50px; width: 50px; height: 50px; display: grid; place-items: center; border-radius: 14px; color: white; background: #007c83; font-size: 1.6rem; font-weight: 900; }
.marketplace-callout strong { display: block; color: var(--navy); font-size: 1.15rem; }
.marketplace-callout p { margin: 3px 0 0; color: var(--muted); }
.supplemental-head { margin: 48px 0 22px; }
.supplemental-head .eyebrow { margin-bottom: 9px; }
.supplemental-head h3 { margin: 0; color: var(--navy); font-size: clamp(1.65rem, 3vw, 2.25rem); letter-spacing: -.035em; }
.supplemental-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.supplemental-card { padding: 26px; display: flex; align-items: flex-start; gap: 18px; border: 1px solid var(--line); border-radius: 18px; background: white; box-shadow: 0 12px 35px rgba(6,47,87,.07); }
.supplemental-icon { flex: 0 0 48px; width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; color: white; background: var(--navy-2); font-size: 1.15rem; font-weight: 900; }
.supplemental-card h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.25rem; }
.supplemental-card p { margin: 0; color: var(--muted); }

.local-coverage { padding: 58px 0; border-top: 1px solid #d4e9ed; background: linear-gradient(120deg, #e9fbfc, #f8fdff); }
.local-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 58px; align-items: center; }
.local-grid h2 { margin: 0; color: var(--navy); font-size: clamp(2rem, 4vw, 3rem); line-height: 1.08; letter-spacing: -.04em; }
.local-grid > div > p:not(.eyebrow) { margin: 0; color: var(--muted); font-size: 1.05rem; }
.local-tags { margin-top: 22px; display: flex; flex-wrap: wrap; gap: 10px; }
.local-tags span { padding: 8px 12px; border: 1px solid #b9dce1; border-radius: 999px; color: var(--navy); background: white; font-size: .88rem; font-weight: 800; }

.protection { position: relative; overflow: hidden; color: white; background: linear-gradient(135deg, #0a3e68, var(--navy-2)); }
.protection::before { content: ""; position: absolute; width: 520px; height: 520px; right: -180px; bottom: -290px; border: 1px solid rgba(114,212,215,.22); border-radius: 50%; box-shadow: 0 0 0 70px rgba(114,212,215,.045), 0 0 0 140px rgba(114,212,215,.025); }
.protection .wrap { position: relative; z-index: 1; }
.protection .eyebrow { color: #72d4d7; }
.protection .section-head { max-width: 760px; }
.protection .section-head h2 { color: white; }
.protection .section-head p { color: #c6dbe6; }
.protection-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.protection-card { min-height: 290px; padding: 30px; border: 1px solid rgba(255,255,255,.17); border-radius: 20px; background: rgba(255,255,255,.07); backdrop-filter: blur(8px); }
.protection-card.featured { border-color: rgba(114,212,215,.7); background: rgba(11,155,161,.22); }
.protection-number { display: block; color: #72d4d7; font-size: .83rem; font-weight: 900; letter-spacing: .14em; }
.protection-card h3 { margin: 36px 0 12px; color: white; font-size: 1.35rem; }
.protection-card p { margin: 0; color: #c8dce7; }
.protection-cta { margin-top: 24px; padding: 22px 24px; display: flex; align-items: center; justify-content: space-between; gap: 24px; border-radius: 16px; background: rgba(255,255,255,.09); }
.protection-cta p { margin: 0; max-width: 720px; color: #dbeaf0; }
.protection-cta strong { color: white; }

.process { background: var(--pale); }
.steps { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; counter-reset: step; }
.step { position: relative; padding: 30px 26px 26px; background: white; border-radius: 18px; border-top: 4px solid var(--teal); }
.step::before { counter-increment: step; content: "0" counter(step); position: absolute; right: 22px; top: 18px; color: #d6ecee; font-weight: 900; font-size: 2rem; }
.step h3 { margin: 0 0 9px; color: var(--navy); }
.step p { margin: 0; color: var(--muted); }

.about-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 54px; align-items: center; }
.about-panel { min-height: 390px; padding: 40px; display: flex; flex-direction: column; justify-content: flex-end; border-radius: 26px; color: white; background: linear-gradient(155deg, var(--navy), #0c6d83); box-shadow: var(--shadow); }
.about-panel .monogram { font-size: 5rem; line-height: 1; font-weight: 900; opacity: .18; }
.veteran-badge { align-self: flex-start; margin-top: 24px; padding: 8px 11px; border: 1px solid rgba(255,255,255,.34); border-radius: 999px; color: #e4f7f7; background: rgba(255,255,255,.09); font-size: .78rem; font-weight: 850; letter-spacing: .035em; text-transform: uppercase; }
.about-panel h3 { margin: 18px 0 6px; font-size: 1.7rem; }
.about-panel p { margin: 0; color: #d5f0f2; }
.section-head .veteran-note { margin-top: 20px; padding: 18px 20px; border-left: 4px solid var(--coral); color: #355368; background: #f2f8f9; border-radius: 0 12px 12px 0; }
.veteran-note strong { color: var(--navy); }
.checks { padding: 0; margin: 24px 0 0; list-style: none; display: grid; gap: 14px; }
.checks li { display: flex; gap: 12px; color: #355368; }
.checks li::before { content: "✓"; flex: 0 0 25px; width: 25px; height: 25px; display: grid; place-items: center; border-radius: 50%; color: white; background: var(--teal); font-weight: 900; }

.faq-contact { background: #f7fafb; }
.split { display: grid; grid-template-columns: .9fr 1.1fr; gap: 38px; align-items: start; }
details { border-bottom: 1px solid var(--line); padding: 18px 0; }
summary { cursor: pointer; list-style: none; font-weight: 800; color: var(--navy); font-size: 1.04rem; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; float: right; color: var(--teal-dark); font-size: 1.35rem; }
details[open] summary::after { content: "–"; }
details p { color: var(--muted); margin: 12px 0 0; }
.form-card { padding: 34px; border-radius: 24px; color: white; background: var(--navy); box-shadow: var(--shadow); }
.form-card h2 { margin: 0 0 8px; font-size: 2rem; }
.form-card > p { margin: 0 0 22px; color: #c8dde7; }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { display: grid; gap: 7px; margin-bottom: 14px; }
.field.full { grid-column: 1 / -1; }
label { font-size: .88rem; font-weight: 750; }
input, select, textarea { width: 100%; min-height: 48px; padding: 11px 13px; border: 1px solid #7c9bae; border-radius: 10px; color: var(--ink); background: white; }
textarea { min-height: 88px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(114,212,215,.34); border-color: #72d4d7; }
.form-card .btn { width: 100%; border: 0; }
.form-note { margin: 12px 0 0 !important; color: #aac8d6 !important; font-size: .78rem; }
.form-status { min-height: 24px; margin: 10px 0 0; color: #9df1d9; font-weight: 700; }

.contact-band { padding: 38px 0; color: white; background: var(--teal-dark); }
.contact-row { display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.contact-row h2 { margin: 0; font-size: clamp(1.6rem,3vw,2.35rem); }
.contact-row p { margin: 6px 0 0; color: #d7f4f4; }
.contact-links { display: flex; flex-wrap: wrap; gap: 10px; }
.contact-links a { padding: 12px 16px; border: 2px solid white; border-radius: 10px; color: var(--teal-dark); text-decoration: none; font-weight: 850; background: white; box-shadow: 0 8px 20px rgba(4,62,74,.18); }
.contact-links a:hover { color: white; background: var(--navy); border-color: var(--navy); }

footer { padding: 32px 0; background: #07385f; color: #d0e3ec; }
.footer-row { display: flex; justify-content: space-between; gap: 20px; align-items: center; }
.footer-row strong { color: white; }
.footer-row p { margin: 4px 0 0; font-size: .85rem; }

@media (max-width: 900px) {
  .nav-links a:not(.nav-call):not(.nav-text) { display: none; }
  .hero { padding-top: 48px; }
  .hero-grid, .local-grid, .about-grid, .split { grid-template-columns: 1fr; }
  .hero-visual { max-width: 680px; }
  .coverage-grid, .supplemental-grid, .protection-grid, .steps { grid-template-columns: 1fr; }
  .protection-card { min-height: auto; }
  .protection-cta { align-items: flex-start; flex-direction: column; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.14); }
  .contact-row, .footer-row { align-items: flex-start; flex-direction: column; }
}
@media (max-width: 680px) {
  .nav { padding: 10px 0 12px; flex-wrap: wrap; gap: 9px; }
  .nav-links { width: 100%; display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr); gap: 8px; }
  .nav-call, .nav-text { width: 100%; padding: 9px 7px; text-align: center; font-size: .8rem; }
}
@media (max-width: 560px) {
  .wrap { width: min(100% - 28px, 1140px); }
  .brand-text { font-size: .92rem; }
  .marketplace-callout, .supplemental-card { align-items: flex-start; }
  h1 { font-size: 2.7rem; }
  section { padding: 68px 0; }
  .hero-visual img { border-radius: 20px 20px 58px 20px; }
  .license-card { left: 12px; bottom: 14px; }
  .field-grid { grid-template-columns: 1fr; }
  .contact-links { width: 100%; }
  .contact-links a { flex: 1; text-align: center; }
}