:root{
  --ink:#1D2730;
  --ink-soft:#4A5661;
  --paper:#F7F8F6;
  --surface:#FFFFFF;
  --line:#D9DEDB;
  --sage:#2E6555;
  --sage-deep:#214B3F;
  --sky:#E3ECEA;
  --focus:#1F6FB2;
  --serif:"Newsreader", Georgia, "Times New Roman", serif;
  --sans:"Figtree", "Segoe UI", Helvetica, Arial, sans-serif;
  --wrap:1120px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:1.0625rem;line-height:1.6}
img{max-width:100%}
a{color:var(--sage-deep);text-underline-offset:2px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 1.5rem}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.5rem 1rem;z-index:10}
.skip:focus{left:1rem}

/* Header */
.site-header{background:var(--surface);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.75rem 1.5rem;padding-top:1rem;padding-bottom:1rem}
.brand{font-family:var(--serif);font-size:1.3rem;font-weight:600;color:var(--ink);text-decoration:none;line-height:1.2}
.brand small{display:block;font-family:var(--sans);font-size:.8rem;font-weight:400;color:var(--ink-soft)}
.nav{display:flex;flex-wrap:wrap;gap:.25rem 1.25rem;font-size:.95rem}
.nav a{color:var(--ink-soft);text-decoration:none}
.nav a:hover,.nav a[aria-current="page"]{color:var(--ink);text-decoration:underline}

/* Hero + form */
.hero{background:linear-gradient(180deg,var(--sky) 0,var(--sky) 62%,var(--paper) 62%)}
.hero .wrap{display:grid;grid-template-columns:1fr;gap:2.5rem;padding-top:3rem;padding-bottom:3.5rem}
@media (min-width:900px){.hero .wrap{grid-template-columns:1.05fr .95fr;align-items:start;padding-top:4.5rem}}
.hero h1{font-family:var(--serif);font-weight:500;font-size:clamp(2.2rem,5vw,3.4rem);line-height:1.08;letter-spacing:-.01em;margin:0 0 1.25rem;max-width:16ch}
.hero p{max-width:52ch;color:var(--ink-soft);margin:0 0 1rem}
.hero .contact-line{font-size:.98rem;color:var(--ink)}

.form-panel{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--sage);border-radius:6px;padding:1.75rem}
.form-panel h2{font-family:var(--serif);font-weight:500;font-size:1.6rem;margin:0 0 .35rem}
.form-panel .note{font-size:.92rem;color:var(--ink-soft);margin:0 0 1.25rem}
.field{margin-bottom:1.1rem}
.field label{display:block;font-weight:600;font-size:.95rem;margin-bottom:.35rem}
.field .req{color:var(--ink-soft);font-weight:400;font-size:.85rem}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1px solid #AEB7B3;border-radius:4px;padding:.65rem .75rem}
.field textarea{min-height:6rem;resize:vertical}
.consent{display:flex;gap:.7rem;align-items:flex-start;background:var(--paper);border:1px solid var(--line);border-radius:4px;padding:.85rem;margin:-.35rem 0 1.1rem}
.consent input{flex:0 0 auto;width:1.15rem;height:1.15rem;margin-top:.2rem;accent-color:var(--sage)}
.consent label{font-size:.86rem;line-height:1.5;color:var(--ink)}
.btn{display:inline-block;font:inherit;font-weight:600;font-size:1rem;background:var(--sage);color:#fff;border:0;border-radius:4px;padding:.8rem 1.4rem;cursor:pointer}
.btn:hover{background:var(--sage-deep)}
.hidden{position:absolute;left:-9999px}

/* Coverage */
.section{padding:3.5rem 0}
.section h2{font-family:var(--serif);font-weight:500;font-size:clamp(1.6rem,3vw,2.1rem);margin:0 0 .5rem}
.section .lede{color:var(--ink-soft);max-width:60ch;margin:0 0 2rem}
.coverage{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;border-top:1px solid var(--line)}
@media (min-width:700px){.coverage{grid-template-columns:1fr 1fr}}
.coverage li{padding:1.4rem 1.5rem 1.4rem 0;border-bottom:1px solid var(--line)}
@media (min-width:700px){.coverage li:nth-child(odd){border-right:1px solid var(--line)}.coverage li:nth-child(even){padding-left:1.5rem}}
.coverage h3{font-family:var(--serif);font-weight:600;font-size:1.25rem;margin:0 0 .3rem}
.coverage p{margin:0;color:var(--ink-soft);max-width:44ch}

.office{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.office .wrap{display:grid;gap:2rem}
@media (min-width:800px){.office .wrap{grid-template-columns:1fr 1fr}}
.office address{font-style:normal;line-height:1.75}

/* Legal pages */
.legal{padding:3rem 0 4rem}
.legal .wrap{max-width:780px}
.legal h1{font-family:var(--serif);font-weight:500;font-size:clamp(2rem,4.5vw,2.8rem);line-height:1.1;margin:0 0 .5rem}
.legal .effective{color:var(--ink-soft);margin:0 0 2.5rem}
.legal h2{font-family:var(--serif);font-weight:600;font-size:1.4rem;margin:2.5rem 0 .6rem;padding-top:1.5rem;border-top:1px solid var(--line)}
.legal p,.legal li{max-width:68ch}
.legal ul{padding-left:1.25rem}
.legal address{font-style:normal;line-height:1.75}
.legal .highlight{background:var(--surface);border-left:4px solid var(--sage);padding:1rem 1.25rem;border-radius:0 4px 4px 0}

/* Footer */
.site-footer{background:var(--ink);color:#D5DBD8;font-size:.92rem;padding:2.5rem 0}
.site-footer .wrap{display:grid;gap:1.25rem}
@media (min-width:800px){.site-footer .wrap{grid-template-columns:1.4fr 1fr;align-items:start}}
.site-footer a{color:#fff}
.site-footer address{font-style:normal;line-height:1.7}
.footer-links{display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;list-style:none;margin:0;padding:0}
.site-footer .copy{grid-column:1/-1;color:#A9B3AF;font-size:.85rem;margin:0}

@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}