:root {
  --navy: #14365d;
  --navy-deep: #0d2440;
  --sky: #9fc3e6;
  --sky-soft: #eaf3fb;
  --sand: #f6efe3;
  --red: #b3262d;
  --ink: #1d2733;
  --muted: #56626f;
  --line: #d9e2ec;
  --radius: 14px;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Source Sans 3", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font: 18px/1.6 var(--sans); color: var(--ink); background: #fff; }
img { max-width: 100%; height: auto; }
a { color: var(--navy); }
h1, h2, h3 { font-family: var(--serif); line-height: 1.15; color: var(--navy-deep); margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.3rem); font-weight: 700; }
h3 { font-size: 1.3rem; font-weight: 500; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; top: 8px; background: #fff; padding: 8px 12px; z-index: 10; }
.skip:focus { left: 8px; }

/* Header */
.site-header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 5; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 10px; padding-bottom: 10px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { border-radius: 12px; }
.brand-text { display: flex; flex-direction: column; }
.brand-name { font-family: var(--serif); font-weight: 700; font-size: 1.35rem; color: var(--navy-deep); line-height: 1.1; }
.brand-sub { font-size: .85rem; color: var(--muted); }
.nav { display: flex; align-items: center; gap: 22px; }
.nav a { text-decoration: none; font-weight: 600; color: var(--ink); }
.nav a:hover { color: var(--red); }
.nav .nav-call { white-space: nowrap; background: var(--navy); color: #fff; padding: 8px 14px; border-radius: 999px; }
.nav .nav-call:hover { background: var(--navy-deep); color: #fff; }

/* Hero */
.hero { position: relative; background: linear-gradient(180deg, var(--sky) 0%, var(--sky-soft) 100%); padding: 72px 0 110px; }
.hero-grid { display: grid; grid-template-columns: 1fr auto; gap: 48px; align-items: center; }
.hero-inner { max-width: 680px; }
.hero-logo { width: 280px; height: 280px; border-radius: 28px; box-shadow: 0 18px 40px rgba(13,36,64,.18); }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-weight: 600; font-size: .85rem; color: var(--red); margin: 0 0 12px; }
.lede { font-size: 1.2rem; color: #2b3a4a; max-width: 640px; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 18px; }
.espanol { font-size: 1rem; color: #2b3a4a; }
.waves { position: absolute; bottom: 0; left: 0; width: 100%; height: 60px; fill: #fff; }

/* Buttons */
.btn { display: inline-block; white-space: nowrap; padding: 12px 22px; border-radius: 999px; font-weight: 600; text-decoration: none; border: 2px solid var(--navy); transition: background .15s, color .15s; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-deep); border-color: var(--navy-deep); }
.btn-ghost { background: transparent; color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff; }
a:focus-visible, .btn:focus-visible { outline: 3px solid var(--red); outline-offset: 3px; }

/* Sections */
.section { padding: 72px 0; }
.section-tint { background: var(--sand); }
.section-sky { background: var(--sky-soft); }
.broker { display: grid; grid-template-columns: 303px 1fr; gap: 56px; align-items: end; }
.broker-photo { width: 100%; display: block; margin-bottom: -72px; }
.broker > div { padding-bottom: 8px; }
.broker h2 { margin-bottom: .1em; }
.broker-title { font-weight: 600; color: var(--red); margin: 0 0 18px; }
.broker p { max-width: 620px; }
.section-lede { max-width: 680px; color: var(--muted); margin-bottom: 28px; }
.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 20px; margin-top: 28px; }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; background: #fff; }
.card p { margin: 0 0 12px; color: #34414f; }
.card ul { margin: 0; padding-left: 1.1em; color: #34414f; }
.card li { margin-bottom: 4px; }
.card-accent { background: var(--navy); border-color: var(--navy); }
.card-accent h3, .card-accent p { color: #fff; }
.card-accent .btn-primary { background: #fff; color: var(--navy); border-color: #fff; }
.card-accent .btn-primary:hover { background: var(--sky-soft); }

.areas { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 12px; }
.areas li { background: #fff; border: 1px solid #e7dcc8; border-radius: 10px; padding: 14px 18px; font-weight: 600; color: var(--navy-deep); }

.contact { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
address { font-style: normal; font-size: 1.15rem; margin-bottom: 20px; }
.details { margin: 0; display: grid; grid-template-columns: max-content 1fr; gap: 10px 24px; background: var(--sky-soft); border-radius: var(--radius); padding: 26px; }
.details dt { font-weight: 600; color: var(--navy-deep); }
.details dd { margin: 0; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #d6e2ef; padding: 40px 0; font-size: .95rem; }
.site-footer a { color: #fff; }
.footer-inner { display: flex; justify-content: space-between; gap: 30px; flex-wrap: wrap; align-items: flex-end; }
.site-footer p { margin: 0 0 10px; }
.copy { color: #9fb3c8; }
.badges { display: flex; gap: 14px; align-items: center; background: #fff; padding: 10px 14px; border-radius: 10px; }

@media (max-width: 760px) {
  body { font-size: 17px; }
  .nav a:not(.nav-call) { display: none; }
  .brand-sub { display: none; }
  .brand img { width: 44px; height: 44px; }
  .hero { padding: 48px 0 90px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-logo { display: none; }
  .section { padding: 52px 0; }
  .contact { grid-template-columns: 1fr; gap: 24px; }
  .broker { grid-template-columns: 1fr; gap: 28px; }
  .broker { align-items: start; }
  .broker-photo { max-width: 240px; margin: 0 auto -52px; order: 2; }
  .details { grid-template-columns: 1fr; gap: 2px; }
  .details dd { margin-bottom: 10px; }
  .cards { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }