/* Letterhead theme: the site as Steve's stationery. Navy ink, gold used twice, serif reading type. */
:root{
  --navy:#012C6D;--navy-900:#001a45;--ink:#1E2B45;--muted:#4A5872;--gold:#BF9F00;--gold-700:#9c8200;
  --line:#C9CFDA;--line-soft:#E4E8EF;--paper:#FBFBF9;--white:#fff;
  --serif:"Newsreader",Georgia,"Times New Roman",serif;--sans:"Libre Franklin","Helvetica Neue",Arial,sans-serif;
  --max:1296px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--serif);font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px;text-decoration-thickness:1.5px}
a:hover{color:var(--gold-700)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;line-height:1.15;color:var(--navy);margin:0 0 .5em;letter-spacing:-.005em;text-wrap:balance}
h1{font-size:clamp(2.2rem,4.6vw,4.1rem);line-height:1.08}
h2{font-size:clamp(1.7rem,2.8vw,2.5rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.fr{font-family:var(--sans)}
.lbl{font-family:var(--sans);font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--navy);white-space:nowrap}
.btn{display:inline-block;font-family:var(--sans);font-size:15px;font-weight:600;letter-spacing:.04em;padding:14px 24px;text-decoration:none;border:1px solid var(--navy);color:var(--navy);background:transparent;cursor:pointer;line-height:1.2;white-space:nowrap;transition:.15s}
.btn:hover{background:var(--navy);color:#fff}
.btn-solid{background:var(--navy);color:#fff}
.btn-solid:hover{background:var(--navy-900);color:#fff}
.textlinks{font-family:var(--sans);font-size:16px;font-weight:600;display:flex;gap:14px 36px;flex-wrap:wrap;white-space:nowrap}
.rule-nav{border-bottom:1px solid var(--line)}

/* masthead */
.masthead .wrap{position:relative;padding:32px 24px 20px;display:grid;grid-template-columns:300px minmax(0,1fr) 340px;align-items:end;gap:32px}
.masthead .brand img{width:260px;height:auto}
.masthead .center{font-family:var(--sans);font-size:13px;line-height:1.5;color:var(--muted);text-align:center;align-self:center}
.masthead .right{font-family:var(--sans);font-size:13px;line-height:1.6;text-align:right}
.masthead .right a{text-decoration:none}
.masthead .phone{font-family:var(--serif);font-size:20px;font-weight:600;color:var(--gold);margin-top:2px;text-decoration:none;display:inline-block;white-space:nowrap}
.masthead .phone:hover{color:var(--gold-700)}
.rules{max-width:var(--max);margin:0 auto;padding:0 24px}
.rules .r1{border-top:3px solid var(--navy)}
.rules .r2{border-top:1px solid var(--gold);margin-top:3px}

/* nav */
.site-nav{position:sticky;top:0;z-index:50;background:var(--paper)}
.site-nav .wrap{display:flex;justify-content:space-between;align-items:center;padding:0 24px;border-bottom:1px solid var(--line)}
.nav{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.nav>li{position:relative}
.nav a{display:block;padding:18px 14px;font-family:var(--sans);font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;color:var(--navy);white-space:nowrap}
.nav a:hover{color:var(--gold-700)}
.nav>li:first-child a{padding-left:0}
.nav .menu{list-style:none;margin:0;display:none;position:absolute;top:100%;left:0;min-width:300px;background:var(--white);border:1px solid var(--line);border-top:2px solid var(--navy);padding:8px 0;z-index:60;box-shadow:0 12px 30px rgba(1,44,109,.08)}
.nav li:hover>.menu,.nav li:focus-within>.menu,.nav li.open>.menu{display:block}
.nav .menu a{font-family:var(--serif);font-size:17px;font-weight:400;letter-spacing:0;text-transform:none;padding:9px 20px}
.nav .menu a:hover{background:var(--paper);color:var(--navy)}
.nav-cta{margin-left:auto}
.nav-toggle{display:none;position:absolute;top:22px;right:24px;font-family:var(--sans);font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:none;border:1px solid var(--navy);color:var(--navy);padding:10px 14px;cursor:pointer}
@media (max-width:1000px){
  .masthead .wrap{grid-template-columns:1fr;gap:10px;text-align:left;padding-top:22px}
  .masthead .center{display:none}
  .masthead .right{text-align:left}
  .nav-toggle{display:inline-block;margin:0}
  .masthead .brand{padding-right:100px}
  .masthead .right{white-space:nowrap}
  .site-nav .wrap{padding:14px 24px 16px;display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;gap:0;padding:8px 24px 20px;max-height:calc(100vh - 60px);overflow:auto;box-shadow:0 18px 30px rgba(0,0,0,.08)}
  .nav.open{display:flex}
  .nav a{padding:12px 0}
  .nav .menu{position:static;display:none;border:0;box-shadow:none;padding:0 0 8px 16px;min-width:0;background:transparent}
  .nav li:hover>.menu{display:none}.nav li.open>.menu{display:block}
  .nav .menu a{padding:7px 0}
  .nav-cta{margin:0;display:block;width:100%;text-align:center}
}

/* sections */
.sec{padding:64px 0;border-bottom:1px solid var(--line)}
.sec.last{border-bottom:0}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:36px}
.sec-head h2{margin:0;white-space:nowrap}
.sec-head p{margin:0;font-family:var(--sans);font-size:14px;color:var(--muted);max-width:46ch;text-align:right}
@media (max-width:700px){.sec-head{flex-direction:column;align-items:flex-start}.sec-head p{text-align:left}.sec-head h2{white-space:normal}}

/* hero */
.hero{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:72px;align-items:start;padding:72px 24px 64px;border-bottom:1px solid var(--line)}
.hero .lead{font-size:1.25rem;line-height:1.55;max-width:640px;color:var(--ink)}
.hero figure{margin:0}
.hero figure img{border:1px solid var(--navy);width:100%}
.hero figcaption{font-family:var(--sans);font-size:12.5px;line-height:1.5;color:var(--muted);margin-top:12px}
@media (max-width:900px){.hero{grid-template-columns:1fr;gap:36px;padding:48px 24px}}

/* services index */
.index{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:56px}
.index .col{display:flex;flex-direction:column}
.index .lbl{padding-bottom:12px;border-bottom:2px solid var(--navy)}
.index a{font-size:19px;padding:12px 0;border-bottom:1px solid var(--line);text-decoration:none}
.index a:hover{color:var(--gold-700)}
.index .aside{font-family:var(--sans);font-size:14px;line-height:1.55;color:var(--muted);margin:20px 0 0}
@media (max-width:900px){.index{grid-template-columns:1fr;gap:36px}}

/* two-column reading sections */
.split{display:grid;grid-template-columns:300px minmax(0,1fr);gap:72px}
.split .side{display:flex;flex-direction:column;gap:12px}
.split .side img{border:1px solid var(--navy)}
.split .side .cap{font-family:var(--sans);font-size:12.5px;color:var(--muted)}
.split .side a.fr{font-size:15px;font-weight:600}
.prose{max-width:720px;font-size:20px;line-height:1.6}
.prose h2{font-size:1.55rem;margin-top:1.6em}
.prose h3{font-size:1.25rem;margin-top:1.4em}
.prose img{border:1px solid var(--navy);margin:1.5rem 0}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.35em}
.prose .signature{font-weight:600;font-size:22px;color:var(--navy)}
.prose .btn{margin-top:.5rem}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:28px}.prose{font-size:18px}}

/* testimonials */
.quotes{display:flex;flex-direction:column}
.quotes blockquote{margin:0;padding:28px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:14px}
.quotes blockquote:first-child{padding-top:0}
.quotes blockquote:last-child{border-bottom:0;padding-bottom:0}
.quotes p{margin:0;font-size:22px;line-height:1.5;max-width:720px}
.quotes cite{font-family:var(--sans);font-style:normal;font-size:14px;font-weight:600;color:var(--navy)}

/* page header for inner pages */
.page-head{padding:56px 0 40px;border-bottom:1px solid var(--line)}
.crumbs{font-family:var(--sans);font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:18px}
.crumbs a{text-decoration:none;color:var(--muted)}
.crumbs span{margin:0 .5em}
.page-head h1{margin:0}
.page-head .lead{font-size:1.2rem;color:var(--muted);max-width:640px;margin:16px 0 0}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:72px;padding:56px 24px 64px;border-bottom:1px solid var(--line)}
@media (max-width:900px){.article-layout{grid-template-columns:1fr;gap:40px}}
.agent{display:flex;flex-direction:column;gap:12px}
.agent img{border:1px solid var(--navy)}
.agent .name{font-weight:600;font-size:20px;color:var(--navy)}
.agent .fr{font-size:13.5px;color:var(--muted);line-height:1.55}
.agent .phone{font-family:var(--serif);font-size:24px;font-weight:600;color:var(--gold);text-decoration:none;white-space:nowrap}
.side-list{margin-top:28px}
.side-list ul{list-style:none;margin:0;padding:0}
.side-list li a{display:block;padding:9px 0;border-bottom:1px solid var(--line);text-decoration:none;font-size:17px}
.side-list li a:hover{color:var(--gold-700)}
.side-list .lbl{padding-bottom:10px;border-bottom:2px solid var(--navy);display:block}

/* contact */
.contact{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:72px;align-items:start}
@media (max-width:900px){.contact{grid-template-columns:1fr;gap:40px}}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:28px}
.field input,.field select,.field textarea{font-family:var(--serif);font-size:18px;color:var(--navy);background:transparent;border:0;border-bottom:1px solid var(--navy);padding:8px 0;outline:none;border-radius:0;width:100%}
.field select{appearance:none;-webkit-appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--navy) 50%),linear-gradient(135deg,var(--navy) 50%,transparent 50%);background-position:calc(100% - 12px) 55%,calc(100% - 7px) 55%;background-size:5px 5px;background-repeat:no-repeat;padding-right:24px}
.field textarea{min-height:96px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-bottom-color:var(--gold)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:0 40px}
@media (max-width:560px){.field-row{grid-template-columns:1fr}}
.form-foot{display:flex;align-items:center;gap:24px;flex-wrap:wrap}
.form-foot .fr{font-size:13.5px;color:var(--muted)}
.form-status{display:none;margin-top:1rem;padding:12px 16px;font-family:var(--sans);font-size:15px;border-left:3px solid var(--navy)}
.form-status.ok{display:block;background:#EEF6EF;color:#1E4D2B;border-color:#2E7D46}
.form-status.err{display:block;background:#FBEDEC;color:#7A1C14;border-color:#B3261E}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.office{font-family:var(--sans);font-size:15px;line-height:1.7;display:flex;flex-direction:column;gap:18px;padding-top:14px}
.office .lbl{display:block;margin-bottom:6px}
.office .phone{font-family:var(--serif);font-size:26px;font-weight:600;color:var(--gold);text-decoration:none;white-space:nowrap}
.office .map{border:1px solid var(--navy);width:100%;height:240px;display:block}

/* blog list */
.post-list article{padding:24px 0;border-bottom:1px solid var(--line)}
.post-list time{font-family:var(--sans);font-size:12.5px;color:var(--muted);letter-spacing:.06em;text-transform:uppercase}
.post-list h3 a{text-decoration:none}

/* footer */
.site-footer{padding:22px 0 56px}
.site-footer .wrap{border-top:3px solid var(--navy);padding-top:22px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;font-family:var(--sans);font-size:12.5px;color:var(--muted)}
.site-footer a{color:var(--muted);text-decoration:none}
.site-footer a:hover{color:var(--navy)}
.site-footer .cols{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:32px;width:100%;margin-bottom:28px;font-size:14px;color:var(--ink)}
.site-footer .cols ul{list-style:none;margin:0;padding:0}
.site-footer .cols li{padding:3px 0}
.site-footer .cols .lbl{display:block;margin-bottom:8px}
.site-footer .legal{width:100%;border-top:1px solid var(--line);padding-top:16px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
@media (max-width:900px){.site-footer .cols{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.site-footer .cols{grid-template-columns:1fr}}
.mobile-call{display:none}
@media (max-width:700px){
  .mobile-call{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:40;background:var(--navy);color:#fff;font-family:var(--sans);font-weight:600;font-size:15px;letter-spacing:.04em;justify-content:center;padding:15px;text-decoration:none;border-top:2px solid var(--gold)}
  body{padding-bottom:56px}
}