:root {
  --navy: #0B2545;
  --navy-deep: #071730;
  --gold: #C5A059;
  --gold-light: #E7D3A7;
  --offwhite: #F6F7FB;
  --white: #FFFFFF;
  --ink: #23262B;
  --muted: #5B6472;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
h1, h2, h3, h4, .brand { font-family: 'Poppins', sans-serif; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 32px; }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 2.5px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--gold);
}

/* ---------- NAV ---------- */
nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(11, 37, 69, 0.97);
  backdrop-filter: blur(6px);
}
nav .wrap {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 32px;
}
.logo-chip {
  background: var(--white); display: inline-flex; align-items: center;
  padding: 4px 10px; border-radius: 5px;
}
.logo-mark { height: 62px; }
.nav-links { display: flex; gap: 34px; align-items: center; }
.nav-links a {
  color: #E7ECF3; font-size: 14.5px; font-weight: 500;
  transition: color .2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--gold); }
.nav-cta {
  background: var(--gold); color: var(--navy-deep) !important;
  padding: 9px 20px; border-radius: 4px; font-weight: 600 !important;
}
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: white; margin: 5px 0; }

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 26px; border-radius: 4px; font-weight: 600; font-size: 15px;
  transition: transform .15s, box-shadow .15s; border: none; cursor: pointer;
  font-family: 'Inter', sans-serif;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--gold); color: var(--navy-deep); }
.btn-primary:hover { box-shadow: 0 8px 20px rgba(197,160,89,0.35); }
.btn-outline { border: 1.5px solid #7A8CA6; color: var(--white); background: transparent; }
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }
.btn-row { display: flex; gap: 16px; flex-wrap: wrap; }

/* ---------- HERO (home) ---------- */
.hero {
  position: relative;
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--white);
  padding: 100px 0 120px;
  overflow: hidden;
}
.hero-shield {
  position: absolute; right: -80px; top: 50%; transform: translateY(-50%);
  width: 620px; opacity: 0.08; pointer-events: none;
}
.hero .wrap { position: relative; z-index: 2; max-width: 660px; }
.hero h1 {
  font-size: 46px; font-weight: 700; line-height: 1.18; margin: 16px 0 22px;
  letter-spacing: -0.5px;
}
.hero p.lede { font-size: 17.5px; color: #C7D0DE; max-width: 520px; margin-bottom: 34px; }

/* ---------- PAGE HEADER (inner pages) ---------- */
.page-header {
  position: relative;
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--white);
  padding: 64px 0 70px;
  overflow: hidden;
}
.page-header .hero-shield { width: 400px; opacity: 0.07; }
.page-header h1 { font-size: 34px; margin-top: 10px; position: relative; z-index: 2; }
.page-header p { color: #C7D0DE; margin-top: 12px; max-width: 560px; position: relative; z-index: 2; font-size: 15.5px; }

/* ---------- WHY / GRID SECTIONS ---------- */
.section { padding: 90px 0; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.section-head h2 { font-size: 32px; color: var(--navy); margin-top: 10px; }
.section-head p { color: var(--muted); margin-top: 14px; font-size: 15.5px; }
.bg-white { background: var(--white); }
.bg-offwhite { background: var(--offwhite); }

.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.why-card { text-align: center; padding: 0 12px; }
.ring-icon {
  width: 68px; height: 68px; border-radius: 50%;
  border: 2px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 22px;
}
.ring-icon svg { width: 28px; height: 28px; stroke: var(--navy); }
.why-card h3 { font-size: 18px; color: var(--navy); margin-bottom: 10px; }
.why-card p { font-size: 14.5px; color: var(--muted); }

/* ---------- SERVICE CARDS ---------- */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.services-grid.two-col { grid-template-columns: repeat(2, 1fr); }
.service-card {
  background: var(--white); border-radius: 6px; padding: 30px 26px;
  border-top: 3px solid var(--gold);
  box-shadow: 0 2px 14px rgba(11,37,69,0.06);
  transition: transform .18s, box-shadow .18s;
}
.service-card:hover { transform: translateY(-4px); box-shadow: 0 12px 24px rgba(11,37,69,0.1); }
.service-card .tag { font-size: 11.5px; font-weight: 700; letter-spacing: 1px; color: var(--gold); text-transform: uppercase; }
.service-card h3 { font-size: 18.5px; color: var(--navy); margin: 8px 0 10px; }
.service-card p { font-size: 14px; color: var(--muted); }
.service-card ul { margin: 12px 0 0 18px; }
.service-card li { font-size: 13.5px; color: var(--muted); margin-bottom: 4px; }
.services-cta { text-align: center; margin-top: 44px; }
.link-gold { color: var(--navy); font-weight: 600; font-size: 15px; border-bottom: 2px solid var(--gold); padding-bottom: 3px; }

/* ---------- ABOUT ---------- */
.about .wrap { display: grid; grid-template-columns: 300px 1fr; gap: 70px; align-items: center; }
.headshot-wrap { position: relative; width: 260px; }
.headshot-frame {
  width: 260px; height: 260px; border-radius: 50%;
  border: 4px solid var(--gold);
  padding: 8px;
}
.headshot-frame img { border-radius: 50%; width: 100%; height: 100%; object-fit: cover; }
.badge {
  position: absolute; background: var(--navy); color: var(--white);
  font-size: 11px; font-weight: 600; padding: 6px 12px; border-radius: 20px;
  border: 2px solid var(--gold); white-space: nowrap;
}
.badge-1 { bottom: 6px; right: -14px; }
.about-copy h2 { font-size: 30px; color: var(--navy); margin: 12px 0 18px; }
.about-copy p { font-size: 15.5px; color: var(--muted); margin-bottom: 14px; max-width: 560px; }
.credential-row { display: flex; gap: 14px; margin-top: 22px; flex-wrap: wrap; }
.credential-pill {
  font-size: 13px; font-weight: 600; color: var(--navy);
  background: var(--offwhite); border: 1px solid #E1E6EF;
  padding: 8px 16px; border-radius: 20px;
}
.quote-block {
  border-left: 4px solid var(--gold); padding: 4px 24px; margin: 40px 0;
  font-size: 19px; font-style: italic; color: var(--navy); max-width: 700px;
}

/* ---------- CTA BAND ---------- */
.cta-band { background: var(--navy-deep); color: var(--white); text-align: center; padding: 70px 0; }
.cta-band h2 { font-size: 30px; margin-bottom: 12px; }
.cta-band p { color: #A9B6C9; margin-bottom: 30px; font-size: 15.5px; }

/* ---------- CONTACT ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 60px; }
.contact-info h3 { color: var(--navy); font-size: 20px; margin-bottom: 18px; }
.contact-item { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 22px; }
.contact-item .ic {
  width: 40px; height: 40px; border-radius: 50%; border: 2px solid var(--gold);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.contact-item .ic svg { width: 18px; height: 18px; stroke: var(--navy); }
.contact-item div a, .contact-item div span { font-size: 15px; color: var(--ink); font-weight: 500; }
.contact-item .label { font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 2px; display: block;}

.contact-form { background: var(--offwhite); padding: 40px; border-radius: 8px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { margin-bottom: 16px; display: flex; flex-direction: column; }
.form-group label { font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  padding: 12px 14px; border: 1px solid #D5DAE3; border-radius: 4px; font-family: 'Inter', sans-serif;
  font-size: 14.5px; background: var(--white);
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold);
}
.form-note { font-size: 12.5px; color: var(--muted); margin-top: 14px; }

/* ---------- FOOTER ---------- */
footer { background: var(--navy-deep); color: #9AA7BB; padding: 50px 0 28px; font-size: 13.5px; }
.footer-top { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 30px; padding-bottom: 30px; border-bottom: 1px solid #1C3457; }
.footer-logo-chip { background: var(--white); display: inline-flex; padding: 6px 12px; border-radius: 5px; margin-bottom: 14px; }
.footer-logo { height: 50px; }
.footer-links { display: flex; gap: 28px; }
.footer-links a { color: #C7D0DE; }
.footer-links a:hover { color: var(--gold); }
.footer-bottom { padding-top: 22px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; }
.eho-logo { height: 42px; background: white; padding: 4px; border-radius: 3px; }
.disclosure { max-width: 640px; line-height: 1.6; }

/* ---------- FORM EMBED (Quote / Claims) ---------- */
.embed-shell {
  background: var(--white); border: 1px solid #E1E6EF; border-radius: 8px;
  overflow: hidden; box-shadow: 0 4px 24px rgba(11,37,69,0.06);
}
.embed-frame { width: 100%; min-height: 900px; border: none; display: block; }
.embed-placeholder {
  padding: 60px 40px; text-align: center; background: var(--offwhite);
}
.embed-placeholder .icon {
  width: 60px; height: 60px; border-radius: 50%; border: 2px dashed var(--gold);
  display: flex; align-items: center; justify-content: center; margin: 0 auto 20px;
}
.embed-placeholder .icon svg { width: 26px; height: 26px; stroke: var(--gold); }
.embed-placeholder h3 { color: var(--navy); font-size: 18px; margin-bottom: 10px; }
.embed-placeholder p { color: var(--muted); font-size: 14px; max-width: 440px; margin: 0 auto; }
.embed-placeholder code {
  display: block; background: var(--white); border: 1px solid #E1E6EF; border-radius: 4px;
  padding: 10px 14px; margin-top: 18px; font-size: 12px; color: #a3813d; text-align: left;
  overflow-x: auto;
}
.checklist { max-width: 640px; margin: 0 auto; text-align: left; }
.checklist li { font-size: 14.5px; color: var(--muted); margin-bottom: 10px; padding-left: 4px; }
.info-band {
  background: var(--white); border-left: 4px solid var(--gold); border-radius: 4px;
  padding: 18px 24px; margin-bottom: 30px; font-size: 14.5px; color: var(--muted);
}
.info-band strong { color: var(--navy); }
.urgent-band {
  background: #fff4ec; border-left: 4px solid #C9762F; border-radius: 4px;
  padding: 18px 24px; margin-bottom: 30px; font-size: 14.5px; color: #6b4423;
}
.urgent-band strong { color: #a3521a; }

@media (max-width: 860px) {
  .nav-links { position: fixed; top: 70px; left: 0; right: 0; background: var(--navy-deep);
    flex-direction: column; padding: 20px 32px; gap: 20px; display: none; }
  .nav-links.open { display: flex; }
  .nav-toggle { display: block; }
  .hero h1 { font-size: 32px; }
  .page-header h1 { font-size: 28px; }
  .why-grid, .services-grid, .services-grid.two-col { grid-template-columns: 1fr; }
  .about .wrap { grid-template-columns: 1fr; text-align: center; }
  .about-copy p { margin-left: auto; margin-right: auto; }
  .headshot-wrap { margin: 0 auto; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}