:root{
  --navy:#231f1f; --navy2:#453c38; --gold:#f05020; --gold-d:#c74318;
  --ink:#241f1d; --muted:#5c534e; --bg:#ffffff; --soft:#faf5f1; --line:#e5ddd5;
  --radius:12px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Georgia,'Times New Roman',serif;color:var(--ink);
  font-size:19px;line-height:1.65;background:var(--bg)}
h1,h2,h3,.btn,nav,legend,.card .amt{font-family:'Segoe UI',Arial,Helvetica,sans-serif}
h1{font-size:2.15rem;line-height:1.2;color:var(--navy);margin:.2em 0 .5em}
h2{font-size:1.55rem;color:var(--navy);margin:1.4em 0 .5em;line-height:1.25}
h3{font-size:1.2rem;color:var(--navy);margin:1.2em 0 .4em}
p{margin:.6em 0}
a{color:var(--navy2);text-decoration:underline}
a:hover{color:var(--gold-d)}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff}
header.site .bar{display:flex;flex-wrap:wrap;align-items:center;gap:10px 22px;padding:14px 0}
.logo{font-family:'Segoe UI',Arial,sans-serif;font-weight:700;font-size:1.35rem;color:#fff;text-decoration:none}
.logo span{color:var(--gold)}
.tagline{font-size:.95rem;color:#e8ddd5;font-family:'Segoe UI',Arial,sans-serif}
nav.main{background:var(--navy2)}
nav.main .wrap{display:flex;flex-wrap:wrap;gap:4px}
nav.main a{color:#fff;text-decoration:none;font-size:1rem;padding:12px 14px;display:inline-block}
nav.main a:hover{background:var(--navy);color:var(--gold)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:44px 0 52px}
.hero h1{color:#fff}
.hero p{color:#f0e6de;font-size:1.12rem}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:start}
.panel{background:#fff;color:var(--ink);border-radius:var(--radius);padding:24px 24px 10px;
  box-shadow:0 10px 30px rgba(0,0,0,.25)}
.panel h2,.panel h3{margin-top:0;color:var(--navy)}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;
  padding:15px 26px;border-radius:10px;text-decoration:none;font-size:1.08rem;border:0;cursor:pointer;min-height:52px}
.btn:hover{background:var(--gold-d);color:#fff}
.btn.secondary{background:var(--navy);color:#fff}
.btn.secondary:hover{background:var(--navy2)}
.cta-row{margin:26px 0}
section{padding:8px 0}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:20px 0}
.card{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.card h3{margin-top:0}
.card .amt{font-size:1.5rem;font-weight:700;color:var(--navy)}
table{width:100%;border-collapse:collapse;margin:16px 0;font-size:1rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left}
th{background:var(--navy);color:#fff;font-family:'Segoe UI',Arial,sans-serif}
tr:nth-child(even) td{background:var(--soft)}
label{display:block;font-family:'Segoe UI',Arial,sans-serif;font-weight:600;margin:14px 0 6px;font-size:1rem}
input,select,textarea{width:100%;padding:13px;font-size:1.05rem;border:1.5px solid #b8a89c;
  border-radius:8px;background:#fff;color:var(--ink);min-height:50px}
input:focus,select:focus,textarea:focus{outline:3px solid var(--gold);outline-offset:1px}
fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:6px 20px 18px;margin:18px 0}
legend{font-weight:700;color:var(--navy);padding:0 8px;font-size:1.08rem}
.consent{font-size:.92rem;color:var(--muted)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.thanks{display:none;background:#e8f4e8;border:2px solid #3c7a3c;border-radius:var(--radius);
  padding:22px;margin:20px 0;font-size:1.1rem}
.thanks.show{display:block}
.result{display:none;background:var(--soft);border:2px solid var(--gold);border-radius:var(--radius);padding:22px;margin:20px 0}
.result.show{display:block}
.result .big{font-family:'Segoe UI',Arial,sans-serif;font-size:1.7rem;font-weight:700;color:var(--navy)}
.note{font-size:.95rem;color:var(--muted)}
.src{font-size:.92rem;color:var(--muted);font-style:italic}
ul.check{list-style:none;padding-left:0}
ul.check li{padding:6px 0 6px 30px;position:relative}
ul.check li::before{content:"\2713";position:absolute;left:4px;color:var(--gold-d);font-weight:700}
footer.site{background:var(--navy);color:#e8ddd5;margin-top:48px;padding:34px 0 26px;font-size:.98rem}
.logo img{height:46px;width:auto;vertical-align:-14px;margin-right:10px}
.logos{display:flex;flex-wrap:wrap;gap:12px;margin:18px 0}
.logos .tile{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 16px;display:flex;align-items:center;justify-content:center;flex:1 1 128px;min-height:74px}
.logos img{max-height:44px;max-width:148px;width:auto;height:auto}
footer.site a{color:#fff}
footer.site nav{display:flex;flex-wrap:wrap;gap:6px 20px;margin-bottom:14px;font-family:'Segoe UI',Arial,sans-serif}
.breadcrumb{font-family:'Segoe UI',Arial,sans-serif;font-size:.95rem;color:var(--muted);padding-top:16px}
.agent-photo{float:right;width:230px;max-width:46%;height:auto;border-radius:12px;margin:4px 0 14px 22px;box-shadow:0 6px 18px rgba(10,35,66,.18)}
@media (max-width:760px){
  body{font-size:18px}
  .agent-photo{float:none;display:block;width:210px;margin:6px auto 16px}
  .hero .grid{grid-template-columns:1fr}
  h1{font-size:1.8rem}
  nav.main a{padding:11px 10px}
}