/* ---------- Tokens ---------- */
:root {
  --navy: #0b1739;
  --blue-deep: #16337a;
  --blue: #2451d6;
  --blue-light: #3f6bf0;
  --cream: #f7f6f2;
  --white: #ffffff;
  --text: #16213e;
  --text-muted: #5b6478;
  --border: #e6e4dd;
  --success: #1f8a52;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --container: 1180px;
  --radius: 14px;
  --shadow: 0 20px 40px -20px rgba(11, 23, 57, 0.25);
}

@media (prefers-color-scheme: dark) {
  :root {
    --cream: #f7f6f2;
    --white: #ffffff;
    --text: #16213e;
  }
}

/* ---------- Reset ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--cream);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
button { font: inherit; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--blue);
  color: var(--white);
  padding: 12px 20px;
  z-index: 200;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.2;
  margin: 0 0 16px;
  color: var(--navy);
}
h1 em, h2 em { font-style: italic; font-weight: 500; color: var(--blue); }
h1 em.no-swash, h2 em.no-swash { font-style: normal; }

h1 { font-size: clamp(2.2rem, 4.5vw, 3.4rem); }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.15rem; margin-bottom: 8px; }

p { margin: 0 0 16px; color: var(--text-muted); }
.center { text-align: center; margin-left: auto; margin-right: auto; }

.eyebrow {
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--blue);
  margin-bottom: 10px;
}

.lede { font-size: 1.05rem; color: var(--text); }
.section-sub { max-width: 640px; font-size: 1.02rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:focus-visible { outline: 3px solid var(--blue-light); outline-offset: 2px; }

.btn-primary { background: var(--blue); color: var(--white); }
.btn-primary:hover { background: var(--blue-deep); box-shadow: var(--shadow); }

.btn-ghost { background: transparent; color: var(--navy); border-color: var(--border); }
.btn-ghost:hover { border-color: var(--blue); color: var(--blue); }

.btn-lg { padding: 16px 32px; font-size: 1rem; }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 246, 242, 0.9);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
  gap: 24px;
}

.brand { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-display); font-weight: 600; font-size: 1.55rem; color: var(--navy); }
.brand-tagline { font-size: 0.85rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--blue); }

.main-nav { display: flex; gap: 28px; }
.main-nav a { font-size: 0.95rem; font-weight: 500; color: var(--text); }
.main-nav a:hover { color: var(--blue); }

.header-actions { display: flex; align-items: center; gap: 16px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  min-width: 44px;
  min-height: 44px;
  background: none;
  border: none;
  cursor: pointer;
}
.nav-toggle span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
  color: var(--white);
}
.hero-media { position: absolute; inset: 0; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; }
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(11,23,57,0.55) 0%, rgba(11,23,57,0.35) 45%, rgba(11,23,57,0.85) 100%);
}
.hero-content { position: relative; padding-bottom: 100px; padding-top: 140px; max-width: 760px; }
.hero h1 { color: var(--white); }
.hero h1 em { color: #cfe0ff; }
.hero-sub { color: rgba(255,255,255,0.85); font-size: 1.08rem; max-width: 560px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 8px; }
.hero .btn-ghost { color: var(--white); border-color: rgba(255,255,255,0.5); }
.hero .btn-ghost:hover { border-color: var(--white); color: var(--white); background: rgba(255,255,255,0.1); }

.scroll-hint {
  position: absolute;
  right: 32px;
  bottom: 32px;
  color: rgba(255,255,255,0.75);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  font-size: 0.7rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}
.scroll-line { width: 1px; height: 40px; background: rgba(255,255,255,0.5); }

/* ---------- Carriers ---------- */
.carriers { padding: 56px 0; border-bottom: 1px solid var(--border); }
.carrier-row {
  display: grid;
  align-items: center;
  justify-items: center;
  gap: 32px 40px;
  margin-top: 32px;
}
.carrier-row-4 { grid-template-columns: repeat(4, 1fr); }
.carrier-row-5 { grid-template-columns: repeat(5, 1fr); }
.carrier-row img {
  width: 100%;
  height: 110px;
  max-width: 230px;
  object-fit: contain;
}

@media (max-width: 700px) {
  .carrier-row-4 { grid-template-columns: repeat(2, 1fr); }
  .carrier-row-5 { grid-template-columns: repeat(2, 1fr); }
}

/* ---------- About ---------- */
.about { padding: 100px 0; }
.about-layout { max-width: 760px; margin: 0 auto; }

.about-header {
  display: flex;
  align-items: center;
  gap: 28px;
  margin-bottom: 36px;
  padding-bottom: 36px;
  border-bottom: 1px solid var(--border);
}
.about-heading .eyebrow { margin-bottom: 6px; }
.about-heading h2 { margin-bottom: 0; }

.about-photo { position: relative; flex-shrink: 0; width: 180px; }
.photo-frame {
  aspect-ratio: 4 / 5;
  border-radius: 50%;
  overflow: hidden;
  box-shadow: var(--shadow);
  background: var(--white);
}
.photo-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.credentials-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 24px;
  margin: 24px 0;
}
.credential-list { display: flex; flex-direction: column; gap: 10px; }
.credential-list li {
  position: relative;
  padding-left: 26px;
  font-size: 0.95rem;
  color: var(--text);
}
.credential-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 7px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--blue);
}
.credential-list li a { color: var(--blue); text-decoration: underline; font-weight: 600; }
.credential-list li a:hover { color: var(--blue-deep); }

.about-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 20px; }
.badge-row { display: flex; align-items: center; gap: 20px; flex-shrink: 0; }
.alumni-logo { height: 128px; width: auto; }
.doi-seal { height: 128px; width: auto; border-radius: 50%; }

/* ---------- Services ---------- */
.services { padding: 100px 0; background: var(--white); }
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.service-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 32px 26px;
  border: 1px solid var(--border);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.service-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--blue);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 18px;
}
.service-card p { font-size: 0.93rem; margin: 0; }

/* ---------- How it works ---------- */
.how-it-works { padding: 100px 0; }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.step-card {
  padding: 28px 22px;
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid var(--border);
}
.step-num {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--blue);
  display: block;
  margin-bottom: 12px;
}
.step-card p { font-size: 0.93rem; margin: 0; }

/* ---------- Policy Review ---------- */
.policy-review { padding: 100px 0; }
.policy-review-card {
  max-width: 1100px;
  margin: 0 auto;
  background: var(--white);
  border: 2px solid var(--blue);
  border-radius: var(--radius);
  padding: 56px;
  box-shadow: var(--shadow);
  text-align: center;
}
.policy-review-points {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin: 40px 0;
  text-align: left;
}
.policy-review-point { display: flex; gap: 16px; }
.policy-review-point h3 { margin-bottom: 4px; font-size: 1.02rem; }
.policy-review-point p { margin: 0; font-size: 0.9rem; }

/* ---------- Why me ---------- */
.why-me { padding: 100px 0; background: var(--white); }
.why-grid { display: grid; grid-template-columns: 1fr 420px; gap: 64px; align-items: center; }
.why-grid-solo { grid-template-columns: 1fr; max-width: 720px; margin-left: auto; margin-right: auto; }

.feature-list { display: flex; flex-direction: column; gap: 28px; margin-top: 32px; }
.feature { display: flex; gap: 18px; }
.feature-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--cream);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
}
.feature h3 { margin-bottom: 4px; font-size: 1.05rem; }
.feature p { margin: 0; font-size: 0.93rem; }

/* ---------- Legacy callout ---------- */
.legacy { padding: 100px 0; }
.legacy-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.legacy-photo { height: 100%; min-height: 380px; object-fit: cover; }
.legacy-card {
  background: var(--navy);
  color: var(--white);
  padding: 56px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.legacy-card h3 { color: var(--white); font-size: 1.6rem; }
.legacy-card p { color: rgba(255,255,255,0.75); }
.check-list { display: flex; flex-direction: column; gap: 12px; margin: 8px 0 28px; }
.check-list li { position: relative; padding-left: 30px; font-size: 0.95rem; }
.check-list li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: -1px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--blue-light);
  color: var(--white);
  font-size: 0.7rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.legacy-card .btn-primary { align-self: flex-start; }

/* ---------- Testimonials ---------- */
.testimonials { padding: 100px 0; background: var(--white); }
.placeholder-note { color: var(--blue); font-style: italic; font-size: 0.88rem; }
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 40px;
}
.testimonial-card {
  margin: 0;
  padding: 30px;
  background: var(--cream);
  border-radius: var(--radius);
  border: 1px solid var(--border);
}
.testimonial-card p { color: var(--text); font-style: italic; margin-bottom: 16px; }
.testimonial-card cite { font-style: normal; font-weight: 600; color: var(--navy); font-size: 0.88rem; }

/* ---------- FAQ ---------- */
.faqs { padding: 100px 0; }
.faq-layout { display: grid; grid-template-columns: 340px 1fr; gap: 64px; align-items: start; }
.faq-intro p { max-width: 320px; }

.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item { border: 1px solid var(--border); border-radius: 12px; background: var(--white); overflow: hidden; }
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.98rem;
}
.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--cream);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.2s ease;
  font-weight: 400;
}
.faq-question[aria-expanded="true"] .faq-icon { transform: rotate(45deg); background: var(--blue); color: var(--white); }

.faq-answer {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.25s ease;
}
.faq-answer > p { overflow: hidden; margin: 0; padding: 0 24px; font-size: 0.93rem; }
.faq-item.open .faq-answer { grid-template-rows: 1fr; }
.faq-item.open .faq-answer > p { padding: 0 24px 22px; }

/* ---------- Contact ---------- */
.contact { padding: 100px 0; background: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }

.contact-details { margin-top: 32px; display: flex; flex-direction: column; gap: 20px; }
.contact-details a, .contact-details > div { display: flex; flex-direction: column; gap: 2px; }
.contact-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-muted); }
.contact-value { font-weight: 600; color: var(--navy); font-size: 1.05rem; }
.contact-details a:hover .contact-value { color: var(--blue); }

.quote-form {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 36px;
  border: 1px solid var(--border);
}
.form-row { margin-bottom: 18px; display: flex; flex-direction: column; gap: 6px; }
.form-row-split { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-row-split > div { display: flex; flex-direction: column; gap: 6px; }
.quote-form label { font-size: 0.85rem; font-weight: 600; color: var(--navy); }
.required-mark { color: #d0342c; }
.quote-form input, .quote-form select, .quote-form textarea {
  font: inherit;
  padding: 12px 14px;
  border-radius: 10px;
  border: 1px solid var(--border);
  background: var(--white);
  color: var(--text);
}
.quote-form input:focus, .quote-form select:focus, .quote-form textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(36, 81, 214, 0.15);
}
.form-note { margin: 14px 0 0; font-size: 0.9rem; min-height: 1.2em; }
.form-note.success { color: var(--success); font-weight: 600; }
.form-disclaimer { margin: 14px 0 0; font-size: 0.8rem; color: var(--text-muted); }
.form-disclaimer a { color: var(--blue); text-decoration: underline; }

/* ---------- Legal Pages ---------- */
.legal-page { padding: 120px 0 100px; }
.legal-content { max-width: 760px; margin: 0 auto; }
.legal-title { margin-bottom: 8px; }
.legal-updated { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 32px; }
.legal-content h2 { font-size: 1.4rem; margin-top: 40px; }
.legal-content p { margin-bottom: 16px; }
.legal-content a { color: var(--blue); text-decoration: underline; }
.legal-list { display: flex; flex-direction: column; gap: 10px; margin: 0 0 20px; padding-left: 20px; list-style: disc; color: var(--text-muted); }
.legal-content .btn-ghost { margin-top: 16px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: rgba(255,255,255,0.75); padding-top: 56px; }
.footer-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  justify-content: space-between;
  align-items: center;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-brand { display: flex; flex-direction: column; }
.footer-brand .brand-name { color: var(--white); font-family: var(--font-display); font-size: 1.1rem; }
.footer-brand .brand-tagline { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.08em; color: #9db2ea; }

.footer-nav { display: flex; gap: 22px; flex-wrap: wrap; }
.footer-nav a:hover { color: var(--white); }

.footer-contact { display: flex; flex-direction: column; gap: 4px; text-align: right; }
.footer-contact a:hover { color: var(--white); }

.footer-legal { padding: 24px 0 40px; }
.footer-legal p { font-size: 0.78rem; color: rgba(255,255,255,0.55); margin-bottom: 6px; max-width: 760px; }
.footer-legal a { text-decoration: underline; }
.footer-legal a:hover { color: var(--white); }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .why-grid, .faq-layout, .contact-grid { grid-template-columns: 1fr; }
  .about-header { flex-direction: column; align-items: flex-start; text-align: left; }
  .legacy-grid { grid-template-columns: 1fr; }
  .legacy-photo { min-height: 260px; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-grid { grid-template-columns: 1fr; }
  .policy-review-points { grid-template-columns: 1fr; }
  .policy-review-card { padding: 40px 28px; }
}

@media (max-width: 760px) {
  .main-nav {
    position: fixed;
    inset: 72px 16px auto 16px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    flex-direction: column;
    padding: 12px;
    gap: 4px;
    box-shadow: var(--shadow);
    transform: translateY(-12px);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.2s ease, opacity 0.2s ease;
  }
  .main-nav.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .main-nav a { padding: 12px 14px; border-radius: 8px; }
  .main-nav a:hover { background: var(--cream); }
  .nav-toggle { display: flex; }
  .header-actions .btn-primary { display: none; }

  .hero-content { padding-top: 100px; padding-bottom: 64px; }
  .form-row-split { grid-template-columns: 1fr; }
  .footer-inner { flex-direction: column; align-items: flex-start; }
  .footer-contact { text-align: left; }
}