:root{
  --navy:#0b2350; --navy-2:#13306a; --navy-ink:#081a3d;
  --gold:#d4a937; --gold-2:#e9c45a; --gold-ink:#7a5a0d;
  --cream:#faf6ec; --paper:#ffffff; --line:#e6dfcc;
  --text:#1d2433; --muted:#545c6b;
  --serif:'Libre Caslon Text',Georgia,serif; --display:'Libre Caslon Display',Georgia,serif;
  --sans:'Source Sans 3',system-ui,sans-serif;
  --r:10px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;font-family:var(--sans);font-size:19px;line-height:1.6;color:var(--text);background:var(--cream);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.15;margin:0 0 .5em;font-weight:700}
h1{font-family:var(--display);font-weight:400;font-size:clamp(2.3rem,4.6vw,3.6rem);color:#fff}
h2{font-size:clamp(1.8rem,3.2vw,2.5rem)}
h3{font-size:1.3rem}
.center{text-align:center}
.sub{max-width:640px;margin:0 auto 32px;color:var(--muted)}
.eyebrow{font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--gold-ink);margin:0 0 10px}
.eyebrow.gold{color:var(--gold-2)}
.hidden{display:none!important}

.btn{display:inline-block;font-family:var(--sans);font-weight:700;font-size:1.05rem;padding:14px 26px;border-radius:8px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .2s,transform .2s}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:var(--navy-ink)}
.btn-gold:hover{background:var(--gold-2)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{border-color:rgba(255,255,255,.6);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-sm{padding:9px 18px;font-size:.95rem}
.btn-block{width:100%}

.topbar{background:var(--navy-ink);color:#cfd6e6;font-size:.88rem}
.topbar a{color:var(--gold-2);text-decoration:none;font-weight:600}
.topbar-in{display:flex;justify-content:space-between;gap:12px;padding:8px 24px;flex-wrap:wrap}

.site-header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:3px solid var(--gold);box-shadow:0 2px 12px rgba(11,35,80,.06)}
.header-in{display:flex;align-items:center;justify-content:space-between;padding:12px 24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{width:52px;height:auto}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-family:var(--serif);font-weight:700;color:var(--navy);font-size:1.3rem;text-transform:uppercase;letter-spacing:.03em}
.brand-sub{font-family:var(--serif);color:var(--gold-ink);font-size:1rem;font-style:normal}
.nav{display:flex;align-items:center;gap:26px}
.nav a{text-decoration:none;font-weight:600;color:var(--navy);font-size:1rem}
.nav a:not(.btn):hover{color:var(--gold-ink)}
.menu-btn{display:none;background:var(--navy);color:#fff;border:0;border-radius:6px;padding:10px 16px;font:700 1rem var(--sans)}

.hero{background:radial-gradient(1200px 500px at 85% 20%,#1d3f84 0%,transparent 60%),var(--navy);color:#e6ebf5;padding:84px 0 96px}
.hero-in{display:grid;grid-template-columns:1.35fr 1fr;gap:56px;align-items:center}
.hero .eyebrow{color:var(--gold-2)}
.lead{font-size:1.2rem;max-width:580px;color:#d6ddeb}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}
.hero-points{list-style:none;padding:0;margin:0;display:flex;gap:22px;flex-wrap:wrap;font-size:.95rem;color:#b9c3d8}
.hero-points li::before{content:"✓ ";color:var(--gold-2);font-weight:700}
.hero-card{background:rgba(255,255,255,.05);border:1px solid rgba(212,169,55,.45);border-radius:16px;padding:40px 32px;text-align:center}
.hero-shield{width:200px;margin:0 auto 20px;filter:drop-shadow(0 12px 24px rgba(0,0,0,.35))}
.hero-card-title{font-family:var(--serif);font-size:1.45rem;color:#fff;margin:0 0 8px}
.hero-card-text{margin:0;color:#c7cfdf}

.values{background:#fff;border-bottom:1px solid var(--line)}
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.value{padding:36px 28px;border-left:1px solid var(--line)}
.value:first-child{border-left:0}
.value h3{font-size:1.15rem;text-transform:uppercase;letter-spacing:.05em}
.value p{margin:0;color:var(--muted)}

.section{padding:88px 0}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:40px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--r);padding:28px 24px;display:flex;flex-direction:column}
.card p{color:var(--muted);flex:1}
.card-link{font-weight:700;text-decoration:none;color:var(--navy)}
.card-link:hover{color:var(--gold-ink)}

.quote-section{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.quoter{max-width:980px;margin:0 auto;background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:0 10px 30px rgba(11,35,80,.07)}
.tabs{display:flex;gap:8px;margin-bottom:24px;flex-wrap:wrap}
.tab{flex:1;min-width:160px;font:700 1.05rem var(--sans);padding:14px;border-radius:8px;border:2px solid var(--navy);background:#fff;color:var(--navy);cursor:pointer}
.tab.active{background:var(--navy);color:#fff}
.qform{display:grid;grid-template-columns:repeat(3,1fr);gap:18px 20px;align-items:end}
.qform label,.cform label{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:.98rem;color:var(--navy)}
select,input,textarea{font:400 1.05rem var(--sans);padding:12px 14px;border:1.5px solid #c9c1aa;border-radius:8px;background:#fff;color:var(--text);min-height:50px;width:100%}
select:focus,input:focus,textarea:focus{outline:3px solid var(--gold-2);outline-offset:1px;border-color:var(--navy)}
.qform .btn{grid-column:1/-1;margin-top:6px;font-size:1.15rem}
.results{margin-top:26px}
.results h3{margin-bottom:4px}
.results .meta{color:var(--muted);margin:0 0 16px;font-size:.98rem}
.rate{display:grid;grid-template-columns:150px 1fr auto auto;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:10px}
.rate.best{border:2px solid var(--gold);position:relative}
.rate.best::before{content:"Lowest estimate";position:absolute;top:-11px;left:16px;background:var(--gold);color:var(--navy-ink);font-size:.75rem;font-weight:700;padding:1px 10px;border-radius:20px}
.rate-logo{height:48px;display:flex;align-items:center}
.rate-logo img{max-height:44px;max-width:140px;object-fit:contain}
.rate-name{font-weight:700;color:var(--navy)}
.rate-name small{display:block;font-weight:400;color:var(--muted)}
.rate-price{font-family:var(--serif);font-size:1.6rem;font-weight:700;color:var(--navy);text-align:right;white-space:nowrap}
.rate-price small{font-family:var(--sans);font-size:.85rem;color:var(--muted);font-weight:400}
.rate .btn{padding:10px 16px;font-size:.95rem}
.disclaimer{font-size:.82rem;color:var(--muted);margin:22px 0 0;line-height:1.5}
.empty{padding:18px;background:#fff;border:1px dashed #c9c1aa;border-radius:10px;color:var(--muted)}

.two-col{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center}
.parts{margin:0;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.parts div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.parts dt{font-family:var(--serif);font-size:1.4rem;color:var(--navy);font-weight:700;border-bottom:2px solid var(--gold);display:inline-block;margin-bottom:8px}
.parts dd{margin:0;color:var(--muted);font-size:1rem}

.compare{background:var(--navy);color:#dfe5f1}
.compare h2,.compare h3{color:#fff}
.compare .eyebrow{color:var(--gold-2)}
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:36px}
.compare-col{border:1px solid rgba(212,169,55,.5);border-radius:14px;padding:30px}
.compare-col ul{margin:0;padding-left:1.1em}
.compare-col li{margin-bottom:8px}
.compare-col li::marker{color:var(--gold-2)}

.about-in{display:grid;grid-template-columns:380px 1fr;gap:60px;align-items:center}
.headshot{border-radius:14px;border:6px solid #fff;box-shadow:0 14px 34px rgba(11,35,80,.18);width:100%;height:auto}
.role{color:var(--gold-ink);font-weight:700;margin-top:-6px}

.carriers{background:#fff;border-top:1px solid var(--line)}
.logo-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:16px;margin-top:36px}
.logo{background:#fff;border:1px solid var(--line);border-radius:10px;height:100px;display:flex;align-items:center;justify-content:center;padding:14px}
.logo img{max-height:64px;max-width:100%;object-fit:contain}

.contact{background:var(--navy-ink);color:#d6ddeb}
.contact h2{color:#fff}
.contact a{color:var(--gold-2)}
.contact-in{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.big-phone{font-family:var(--serif);font-size:2.6rem;margin:4px 0 12px}
.big-phone a{text-decoration:none}
.cform{background:#fff;color:var(--text);border-radius:14px;padding:30px;display:grid;gap:14px;border-top:5px solid var(--gold)}
.form-note{margin:0;font-size:.95rem;color:var(--navy);font-weight:600}

.footer{background:#050f26;color:#9aa6bf;padding:40px 0;font-size:.92rem}
.footer-brand{margin-bottom:12px}
.footer .brand-name{color:#fff;font-size:1.1rem}
.footer .brand-sub{color:var(--gold-2)}
.fine{font-size:.8rem;color:#7d89a3;max-width:900px}

@media (max-width:980px){
  .hero-in,.two-col,.about-in,.contact-in{grid-template-columns:1fr}
  .hero-card{display:none}
  .cards{grid-template-columns:1fr 1fr}
  .qform{grid-template-columns:1fr 1fr}
  .about-in img{max-width:340px}
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:16px 24px 24px;gap:16px;border-bottom:3px solid var(--gold)}
  .nav.open{display:flex}
}
@media (max-width:640px){
  body{font-size:18px}
  .brand-name{font-size:1rem}.brand-sub{font-size:.85rem}.brand img{width:42px}
  .values-grid,.cards,.qform,.parts,.compare-grid{grid-template-columns:1fr}
  .value{border-left:0;border-top:1px solid var(--line)}
  .section{padding:64px 0}
  .quoter{padding:18px}
  .rate{grid-template-columns:1fr auto;gap:10px}
  .rate .btn{grid-column:1/-1}
  .rate-logo{grid-column:1/-1}
  .topbar-in{justify-content:center;text-align:center}
}
.careers{background:var(--cream)}
.perks{list-style:none;padding:0;margin:20px 0 0}
.perks li{padding:12px 0 12px 34px;border-bottom:1px solid var(--line);position:relative}
.perks li::before{content:"✓";position:absolute;left:4px;color:var(--gold-ink);font-weight:700;font-size:1.2rem}
.careers .two-col{align-items:start}
.nav{gap:20px}
.iul{background:#fff;border-top:1px solid var(--line)}
.iul .two-col{align-items:start}
.iul-card{background:var(--navy);color:#dfe5f1;border-radius:16px;padding:34px;border-top:5px solid var(--gold)}
.iul-card h3{color:#fff}.iul-card li{margin-bottom:8px}.iul-card li::marker{color:var(--gold-2)}
.nav{gap:16px}.nav a{font-size:.95rem}
@media (max-width:1180px){.brand-name{font-size:1.1rem}}
.hero-sm{padding:64px 0 70px}
.video-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:24px}
.video{margin:0;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.video iframe,.video-ph{width:100%;aspect-ratio:16/9;border:0;display:flex}
.video-ph{background:var(--navy);color:#c7cfdf;flex-direction:column;align-items:center;justify-content:center;gap:6px;font-weight:600}
.video-ph span{width:62px;height:62px;border-radius:50%;background:var(--gold);color:var(--navy-ink);display:grid;place-items:center;font-size:1.5rem}
.video figcaption{padding:14px 18px;font-weight:700;color:var(--navy)}
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:24px}
.post{background:var(--cream);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:10px;padding:26px;display:flex;flex-direction:column}
.post p:not(.tag){color:var(--muted);flex:1}
.tag{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--gold-ink);margin:0 0 8px}
@media (max-width:980px){.video-grid,.post-grid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.video-grid,.post-grid{grid-template-columns:1fr}}
.featured-wrap{padding-bottom:0}
.featured{max-width:820px;margin:0 auto;background:#fff;border:1px solid var(--line);border-top:5px solid var(--gold);border-radius:14px;padding:44px}
.featured h3{margin-top:1.4em}
.byline{color:var(--muted);font-size:.95rem;margin-top:-6px}
.cta-box{background:var(--cream);border:1px solid var(--line);border-radius:10px;padding:20px 24px;margin:28px 0 10px;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-box p{margin:0}
@media (max-width:640px){.featured{padding:24px}}
.mortgage{background:var(--cream);border-top:1px solid var(--line)}
.mortgage .two-col{align-items:start}
.cards{grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}
.tpmo{font-size:.95rem;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:8px;padding:12px 16px;margin:20px 0 0;color:var(--text)}
.upl{background:#fff8e6;border:2px solid var(--gold);border-radius:12px;padding:26px 30px;margin-bottom:36px}
.upl h2{font-size:1.5rem}
.kits{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.kit{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:12px;padding:28px;display:flex;flex-direction:column}
.kit ul{color:var(--muted);font-size:.98rem;padding-left:1.1em;flex:1}
.kit-icon{width:54px;height:64px;border-radius:6px;background:var(--navy);color:var(--gold-2);font-weight:700;display:grid;place-items:center;margin-bottom:14px}
.kit-src{font-size:.82rem;color:var(--muted);margin:12px 0 0}
.more-guides{margin-top:36px}
@media (max-width:980px){.kits{grid-template-columns:1fr}}
.cmp-table{border:1px solid var(--line);border-radius:10px;overflow:hidden;margin:12px 0}
.cmp-table .row{display:grid;grid-template-columns:1.2fr 1fr 1fr;border-top:1px solid var(--line)}
.cmp-table .row:first-child{border-top:0}
.cmp-table span{padding:12px 14px;font-size:.98rem}
.cmp-table .head{background:var(--navy);color:#fff;font-weight:700}
.cmp-table .row:not(.head) span:last-child{background:#fff8e6;font-weight:600;color:var(--navy)}
@media (max-width:640px){.cmp-table span{padding:10px 8px;font-size:.88rem}}
.logo-featured{grid-column:1/-1;height:auto;flex-direction:column;gap:10px;padding:30px 20px 24px;border:2px solid var(--gold);background:var(--cream);position:relative;text-align:center}
.logo-featured img{max-height:90px}
.logo-featured p{margin:0;color:var(--muted);font-size:1rem;max-width:560px}
.feat-badge{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--gold);color:var(--navy-ink);font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:3px 14px;border-radius:20px;white-space:nowrap}
@media (max-width:640px){.logo-grid{grid-template-columns:1fr 1fr;gap:12px}.logo{height:84px;padding:12px}.logo img{max-height:52px}.logo-featured{height:auto}}
.logo-text span{font-family:'Libre Caslon Text',Georgia,serif;font-weight:700;color:var(--navy);font-size:1.05rem;text-align:center;line-height:1.2;display:flex;flex-direction:column}
.logo-text small{font-family:inherit;color:var(--gold-ink,#8a6a12);letter-spacing:.12em;font-size:.8rem;margin-top:2px}
.logo-featured{text-decoration:none}.logo-featured:hover{box-shadow:0 6px 20px rgba(11,35,80,.15)}.logo-featured .card-link{font-weight:700}
.bbb{display:inline-flex;flex-direction:column;align-items:center;background:var(--navy);color:#fff;font-weight:700;font-size:1rem;padding:8px 18px;border-radius:8px;line-height:1.3}
.bbb small{font-weight:400;font-size:.75rem;opacity:.85}
.nav a{white-space:nowrap}
@media (max-width:1480px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:16px 24px 24px;gap:16px;border-bottom:3px solid var(--gold);align-items:center}
  .nav.open{display:flex}
}