:root {
  --navy: #0C2340;
  --red: #E4002C;
  --white: #FFFFFF;
  --gray: #C4CED3;
}

* { box-sizing: border-box; }
html, body {
  margin: 0;
  padding: 0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color: var(--navy);
  background: var(--white);
}
body {
  font-size: 16px;
  line-height: 1.6;
}
a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }

.container {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 20px;
}

.site-header {
  border-bottom: 1px solid var(--gray);
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 10;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}
.brand-img {
  height: 160px;
  display: block;
}
.nav {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: nowrap;
}
.nav a {
  margin: 0;
  padding: 8px 10px;
  border-radius: 6px;
  font-size: 0.95rem;
}
.nav .cta {
  background: var(--navy);
  color: var(--white);
  border: 1px solid var(--navy);
}
.nav .cta:hover { opacity: 0.9; }

.hero {
  padding: 32px 0 24px;
}
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  color: #54627b;
  margin: 0 0 4px;
}
h1 {
  font-size: 2.25rem;
  margin: 6px 0 12px;
  color: var(--navy);
}
h2 {
  font-size: 1.6rem;
  margin: 28px 0 10px;
  color: var(--navy);
}
h3 {
  font-size: 1.1rem;
  margin: 16px 0 8px;
  color: var(--navy);
}
.lede {
  font-size: 1.05rem;
  line-height: 1.6;
  color: #21314d;
}
.hero-cta {
  margin-top: 16px;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.hero-tags {
  list-style: none;
  padding: 0;
  margin: 14px 0 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 0.8rem;
}
.hero-tags li {
  padding: 4px 10px;
  border-radius: 999px;
  border: 1px solid var(--gray);
  background: #f7f9fb;
}

.page-intro {
  padding-top: 32px;
}

.button {
  display: inline-block;
  padding: 10px 16px;
  border-radius: 999px;
  background: var(--navy);
  color: var(--white);
  border: 1px solid var(--navy);
  font-size: 0.95rem;
}
.button-secondary {
  background: #1f2937;
  color: var(--white);
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 24px 0;
}
.card {
  border: 1px solid var(--gray);
  border-radius: 12px;
  padding: 18px;
  background: var(--white);
  box-shadow: 0 1px 3px rgba(12, 35, 64, 0.06);
}

.notice {
  background: #f7f9fb;
  border: 1px solid var(--gray);
  padding: 18px;
  border-radius: 12px;
  margin: 24px 0 40px;
}

.bullets {
  line-height: 1.7;
  padding-left: 20px;
}
.bullets li {
  margin-bottom: 6px;
}

.cert-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  margin: 18px 0 8px;
}
.cert-card {
  border: 1px solid var(--gray);
  border-radius: 12px;
  padding: 18px;
  background: var(--white);
  box-shadow: 0 1px 3px rgba(12, 35, 64, 0.06);
}

.site-footer {
  border-top: 1px solid var(--gray);
  margin-top: 40px;
}
.site-footer .container {
  padding: 18px 0;
  font-size: 0.95rem;
  color: #21314d;
}

.contact-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 24px;
  margin: 16px 0 40px;
}
label {
  display: block;
  font-weight: 600;
  margin-top: 10px;
  color: var(--navy);
}
input,
textarea {
  width: 100%;
  padding: 10px;
  margin-top: 6px;
  border: 1px solid var(--gray);
  border-radius: 8px;
  font-size: 0.95rem;
}
.hidden { display: none; }

/* Full width hero image above text */
.hero-image img {
  width: 100%;
  height: auto;
  max-height: 420px;
  object-fit: cover;
  display: block;
}
/* Reduce hero image height on phones */
@media (max-width: 600px) {
  .hero-image img {
    max-height: 220px;
  }
}

/* Hero inner container */
.hero-inner {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Mobile & small tablet layout */
@media (max-width: 860px) {
  .header-inner {
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 10px;
  }

  .brand-img {
    height: 100px;
    margin: 0 auto;
  }

  .nav {
    width: 100%;
    flex-wrap: wrap;
    justify-content: center;
    text-align: center;
    gap: 8px;
  }

  .nav a {
    padding: 8px 10px;
  }

  .grid-3 {
    grid-template-columns: 1fr;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 400px) {
  .brand-img {
    height: 80px;
  }
}

/* Fast quotes banner (New York Yankees Navy) */
.fast-quote-banner{
  width:100%;
  background:#0C2340 !important; /* Yankees Navy */
  color:#fff !important;
  text-align:center;
  padding:12px 14px;
  font-weight:800;
  letter-spacing:0.4px;
  text-transform:uppercase;
}

.fast-quote-banner .fast-quote-link{
  color:#fff !important;
  text-decoration:none;
  border-bottom:1px solid rgba(255,255,255,0.35);
  padding-bottom:2px;
}

.fast-quote-banner .fast-quote-link:hover{
  border-bottom-color:rgba(255,255,255,0.9);
}

.fast-quote-banner .fast-quote-sep{
  margin:0 10px;
  opacity:0.9;
}

.fast-quote-banner .fast-quote-emph{
  color:#fff !important;
}

@media (max-width: 520px){
  .fast-quote-banner{
    font-size:14px;
    padding:10px 10px;
  }
}