:root{
  --navy:#0b1b3a;
  --gold:#c9a227;
  --bg:#ffffff;
  --alt:#f6f7fb;
  --text:#111827;
  --muted:#6b7280;
  --border:#e5e7eb;
  --radius:18px;
}

*{box-sizing:border-box}
body{
  margin:0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
}
a{color:inherit; text-decoration:none}
.container{max-width:1120px; margin:0 auto; padding:0 18px}

.site-header{
  position:sticky; top:0; z-index:20;
  background:rgba(255,255,255,.9);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--border);

  height: 284px;           /* controls band height */
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;

  height: 100%;           /* makes content align inside the fixed header */
  padding: 0;             /* remove padding so header doesn't grow */
}
.brand{display:flex; gap:12px; align-items:center}
.logo{width:auto; height:400px; object-fit:contain}
.brand-text strong{color:var(--navy)}
.brand-text small{color:var(--muted)}

.nav{display:flex; gap:18px; align-items:center}
.nav a{font-weight:600; color:var(--navy)}
.nav a:hover{opacity:.8}
.nav-toggle{display:none; border:0; background:transparent; font-size:26px; color:var(--navy)}

.btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:12px 16px; border-radius:999px;
  font-weight:700; border:1px solid transparent;
}
.btn-gold{background:var(--gold); color:#1a1a1a}
.btn-navy{background:var(--navy); color:white}
.btn-outline{border-color:var(--navy); color:var(--navy); background:transparent}

.hero{
  background: linear-gradient(120deg, rgba(11,27,58,.08), rgba(201,162,39,.10));
  border-bottom:1px solid var(--border);
}
.hero-inner{
  display:grid; grid-template-columns: 1.4fr .8fr;
  gap:24px;
  padding:56px 0;
}
h1{font-size:44px; line-height:1.1; margin:0 0 12px; color:var(--navy)}
.lead{font-size:18px; color:#1f2937; margin:0 0 18px}
.cta-row{display:flex; gap:12px; flex-wrap:wrap; margin-bottom:18px}
.hero-bullets{margin:0; padding-left:18px; color:var(--navy)}
.hero-bullets li{margin:6px 0}

.hero-card{
  background:white;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
  box-shadow: 0 10px 30px rgba(0,0,0,.06);
}
.hero-card h3{margin:0 0 10px; color:var(--navy)}
.card-link{
  display:block;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid var(--border);
  margin:10px 0;
  font-weight:700;
  color:var(--navy);
}
.card-link:hover{border-color:rgba(11,27,58,.35)}
.small{font-size:13px}
.muted{color:var(--muted)}
.tiny{font-size:12px}

.section{padding:54px 0}
.section.alt{background:var(--alt); border-top:1px solid var(--border); border-bottom:1px solid var(--border)}
h2{margin:0 0 18px; font-size:30px; color:var(--navy)}
.split{display:grid; grid-template-columns:1.2fr .8fr; gap:22px; align-items:start}

.info-box{
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
  background:white;
}

.grid{display:grid; gap:16px; grid-template-columns: repeat(2, minmax(0,1fr))}
.grid-3{grid-template-columns: repeat(3, minmax(0,1fr))}

.service-card, .feature, .post{
  background:white;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
}
.service-card h3, .feature h3, .post h3{margin:0 0 8px; color:var(--navy)}
.service-card a{display:inline-block; margin-top:8px; color:var(--navy); font-weight:800}

.banner{
  display:flex; align-items:center; justify-content:space-between; gap:18px;
  background:var(--navy);
  color:white;
  padding:24px;
  border-radius:var(--radius);
}
.banner h2{color:white; margin:0}
.banner .lead{color:rgba(255,255,255,.9); margin:6px 0 0}

.site-footer{
  background:#07142d;
  color:white;
  padding:28px 0 18px;
}
.footer-grid{
  display:grid; grid-template-columns:2fr 1fr 1fr;
  gap:18px;
  padding-bottom:14px;
  border-bottom:1px solid rgba(255,255,255,.12);
}
.site-footer a{display:block; color:rgba(255,255,255,.9); margin:6px 0}
.site-footer a:hover{color:white}

/* ---------- Extra classes for subpages + forms ---------- */

.page-hero{
  padding:44px 0 10px;
  background: linear-gradient(120deg, rgba(11,27,58,.06), rgba(201,162,39,.08));
  border-bottom:1px solid var(--border);
}

.prose{max-width:820px}
.checklist{margin:0; padding-left:18px}
.checklist li{margin:8px 0}

.kv{display:grid; gap:10px}
.kv div{display:flex; justify-content:space-between; gap:10px; border-bottom:1px dashed var(--border); padding-bottom:10px}
.kv span{color:var(--muted)}
.kv strong{color:var(--navy)}

.tile{
  display:block;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
  background:white;
  transition: transform .08s ease, box-shadow .12s ease;
}
.tile:hover{
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(0,0,0,.06);
}
.tile h3{margin:0 0 6px; color:var(--navy)}
.tile p{margin:0; color:var(--muted)}

.profile{background:white; border:1px solid var(--border); border-radius:var(--radius); padding:18px}
.avatar{
  width:48px; height:48px;
  border-radius:14px;
  display:flex; align-items:center; justify-content:center;
  font-weight:900;
  color:white;
  background: var(--navy);
  margin-bottom:10px;
}

.faq{
  border:1px solid var(--border);
  border-radius:16px;
  background:white;
  padding:14px 14px;
  margin:12px 0;
}
.faq summary{cursor:pointer; font-weight:800; color:var(--navy)}
.faq p{margin:10px 0 0; color:#1f2937}

.form{
  background:white;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
}
.form label{display:block; font-weight:700; color:var(--navy); margin:12px 0}
.form input, .form select, .form textarea{
  width:100%;
  margin-top:8px;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid var(--border);
  font: inherit;
}
.form input:focus, .form select:focus, .form textarea:focus{
  outline:none;
  border-color: rgba(11,27,58,.35);
  box-shadow: 0 0 0 4px rgba(11,27,58,.08);
}
.form-row{display:grid; grid-template-columns:1fr 1fr; gap:12px}

.callouts{display:grid; gap:10px; margin-top:14px}

.map-placeholder{
  border:1px dashed rgba(11,27,58,.35);
  border-radius:var(--radius);
  padding:20px;
  background:white;
  min-height:180px;
  display:flex;
  align-items:center;
}

@media (max-width: 920px){
  .hero-inner{grid-template-columns:1fr}
  .grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr}
  .split{grid-template-columns:1fr}
  h1{font-size:36px}
  .nav{display:none; position:absolute; right:18px; top:64px; background:white; border:1px solid var(--border); border-radius:16px; padding:12px; flex-direction:column; width:220px}
  .nav.show{display:flex}
  .nav-toggle{display:block}
  .form-row{grid-template-columns:1fr}
}

/* ---------- Billing Page Premium Styling ---------- */

.premium-panel{
  background:white;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
  box-shadow: 0 10px 30px rgba(0,0,0,.04);
}

.panel-top{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:16px;
  margin-bottom:14px;
}

.insurance-logos{
  display:grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap:12px;
  margin-top:10px;
}

.logo-tile{
  border:1px solid var(--border);
  border-radius:16px;
  background: #fff;
  padding:16px;
  display:flex;
  align-items:center;
  justify-content:center;
  min-height:96px;
  transition: transform .08s ease, box-shadow .12s ease, border-color .12s ease;
}

.logo-tile:hover{
  transform: translateY(-2px);
  border-color: rgba(11,27,58,.35);
  box-shadow: 0 10px 30px rgba(0,0,0,.06);
}

.logo-tile img{
  max-height:60px;
  max-width:100%;
  width:auto;
  height:auto;
  object-fit:contain;
}

.note-row{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:12px;
  margin-top:14px;
}

.note{
  border:1px solid var(--border);
  border-radius:16px;
  background: var(--alt);
  padding:14px;
  color:#1f2937;
}

.steps{
  display:grid;
  gap:12px;
  margin-top:14px;
}

.step{
  display:flex;
  gap:14px;
  border:1px solid var(--border);
  border-radius:16px;
  background:white;
  padding:14px;
}

.step-num{
  width:34px;
  height:34px;
  border-radius:12px;
  background: var(--navy);
  color:white;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:900;
  flex: 0 0 auto;
}

.premium-callout{
  margin-top:16px;
  border:1px solid rgba(201,162,39,.35);
  background: linear-gradient(120deg, rgba(201,162,39,.12), rgba(11,27,58,.06));
  border-radius: var(--radius);
  padding:16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
}

.divider{
  height:1px;
  background: var(--border);
  margin:14px 0;
}

.legal-note{
  border:1px solid var(--border);
  border-radius:16px;
  background:white;
  padding:14px;
  color:#1f2937;
}

@media (max-width: 920px){
  .panel-top{flex-direction:column; align-items:stretch}
  .insurance-logos{grid-template-columns: 1fr}
  .note-row{grid-template-columns: 1fr}
  .premium-callout{flex-direction:column; align-items:flex-start}
}

/*------Google Maps -----------*/
.map-container{
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: 0 10px 30px rgba(0,0,0,.05);
  background: white;
}

.map-container iframe{
  width:100%;
  height:420px;
  border:0;
  display:block;
}