:root{
  --navy:#073B6F;
  --navy-dark:#052E5D;
  --teal:#1596A8;
  --gold:#D89A27;
  --seafoam:#4AB4BE;
  --white:#FFFFFF;
  --ink:#17324D;
  --muted:#66798A;
  --line:#DDE7EC;
  --soft:#F4FAFC;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Montserrat,Arial,sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.6;
}
a{color:inherit;text-decoration:none}
.container{width:min(1120px,92%);margin:auto}
header{
  position:sticky;top:0;z-index:20;
  background:rgba(255,255,255,.96);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  min-height:78px;gap:24px;
}
.brand{display:flex;align-items:center;gap:12px}
.brand-mark{
  width:50px;height:50px;border:2px solid var(--navy);border-radius:50%;
  display:grid;place-items:center;font-weight:800;color:var(--teal);
  position:relative;overflow:hidden;background:#fff;
}
.brand-mark:after{
  content:"";position:absolute;width:42px;height:12px;bottom:6px;left:4px;
  border-radius:50%;border-top:5px solid var(--teal);transform:rotate(-6deg)
}
.brand-text strong{
  display:block;font-family:Cinzel,Georgia,serif;letter-spacing:.08em;
  color:var(--navy);font-size:18px;line-height:1.1;
}
.brand-text span{
  display:block;color:var(--teal);font-weight:700;letter-spacing:.12em;
  font-size:11px;margin-top:2px;
}
nav{display:flex;align-items:center;gap:26px;font-size:14px;font-weight:600}
nav a:hover,nav a.active{color:var(--teal)}
.btn{
  display:inline-block;background:var(--teal);color:#fff;border:none;
  padding:12px 20px;border-radius:6px;font-weight:700;cursor:pointer;
}
.btn:hover{filter:brightness(.95)}
.btn.outline{background:#fff;color:var(--navy);border:1px solid var(--navy)}
.hero{
  background:
    linear-gradient(90deg,rgba(255,255,255,.96) 0%,rgba(255,255,255,.88) 48%,rgba(255,255,255,.35) 100%),
    radial-gradient(circle at 82% 44%, rgba(21,150,168,.18), transparent 34%),
    linear-gradient(180deg,#eef8fb 0%,#d9edf2 100%);
  padding:88px 0 82px;
}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.eyebrow{color:var(--teal);font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:12px}
h1,h2,h3{font-family:Cinzel,Georgia,serif;color:var(--navy);line-height:1.2}
h1{font-size:52px;margin:10px 0 18px}
h2{font-size:36px;margin:0 0 12px}
h3{font-size:22px;margin:0 0 10px}
.lead{font-size:18px;color:#476277;max-width:650px}
.gold-line{width:46px;height:3px;background:var(--gold);margin:18px 0 26px}
.hero-art{
  min-height:330px;border-radius:18px;position:relative;overflow:hidden;
  background:
    linear-gradient(180deg,#d9f2f6 0 52%,#bfe8ee 52% 58%,#78c3d0 58% 68%,#2d8fa4 68% 76%,#0d547e 76%);
  box-shadow:0 20px 45px rgba(5,46,93,.12);
}
.sun{position:absolute;width:95px;height:95px;border-radius:50%;background:#f6c55a;right:82px;top:55px}
.cliff{position:absolute;right:0;bottom:0;width:55%;height:38%;background:#667d7d;clip-path:polygon(18% 10%,100% 0,100% 100%,0 100%)}
.lighthouse{position:absolute;right:110px;bottom:118px;width:34px;height:125px;background:#fff;border:3px solid var(--navy);border-radius:3px}
.lighthouse:before{content:"";position:absolute;top:-24px;left:2px;width:26px;height:24px;background:var(--navy);clip-path:polygon(50% 0,100% 100%,0 100%)}
.lighthouse:after{content:"";position:absolute;top:24px;left:6px;width:16px;height:20px;background:#cceff4;border:2px solid var(--navy)}
.section{padding:76px 0}
.section.soft{background:var(--soft)}
.center{text-align:center}
.center .gold-line{margin:18px auto 28px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{
  border:1px solid var(--line);border-radius:10px;padding:28px;background:#fff;
  box-shadow:0 8px 24px rgba(7,59,111,.04)
}
.icon{
  width:54px;height:54px;border-radius:12px;background:#e5f6f8;
  display:grid;place-items:center;color:var(--teal);font-size:26px;font-weight:800;margin-bottom:18px
}
.card p{color:var(--muted);margin-bottom:0}
.band{background:var(--navy-dark);color:#fff;padding:58px 0}
.band h2,.band h3{color:#fff}
.band .muted{color:#cfe0ec}
.features{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:30px}
.feature{text-align:center}
.feature .icon{margin:0 auto 14px;background:rgba(255,255,255,.1);color:#fff}
.cta{padding:60px 0;text-align:center}
.page-hero{padding:72px 0 42px;text-align:center;background:linear-gradient(180deg,#f8fcfd,#fff)}
.two-col{display:grid;grid-template-columns:1.15fr .85fr;gap:46px;align-items:start}
.quote-box{background:#e9f7f9;border-left:4px solid var(--teal);padding:28px;border-radius:8px;font-weight:700;color:var(--navy)}
.stack{display:grid;gap:16px}
.coverage-row{display:grid;grid-template-columns:70px 1fr;gap:20px;align-items:start;border:1px solid var(--line);border-radius:8px;padding:22px;background:#fff}
.contact-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:36px}
label{display:block;font-weight:700;margin:14px 0 6px;font-size:14px}
input,textarea{
  width:100%;padding:13px 14px;border:1px solid #cdd9df;border-radius:6px;font:inherit
}
textarea{min-height:140px;resize:vertical}
.checkbox-row{display:grid;grid-template-columns:20px 1fr;gap:10px;align-items:start;margin:18px 0;font-size:12px;color:#50697d}
.checkbox-row input{width:auto;margin-top:3px}
.info-card{background:var(--soft);padding:28px;border-radius:10px}
.info-card p{margin:8px 0}
.legal{width:min(900px,92%);margin:auto;padding:58px 0 80px}
.legal h2{font-family:Montserrat,Arial,sans-serif;font-size:20px;margin-top:28px}
.legal p,.legal li{color:#4c6374}
footer{background:var(--navy-dark);color:#dfeaf1;padding:34px 0 18px}
.footer-grid{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.footer-links{display:flex;gap:18px;font-size:13px}
.footer-meta{border-top:1px solid rgba(255,255,255,.15);margin-top:24px;padding-top:16px;font-size:12px;color:#b8c9d5;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.mobile-toggle{display:none}
@media(max-width:820px){
  nav{display:none}
  .mobile-toggle{display:block}
  .hero-grid,.two-col,.contact-grid{grid-template-columns:1fr}
  .hero-art{min-height:280px}
  h1{font-size:40px}
  .cards{grid-template-columns:1fr}
  .features{grid-template-columns:1fr 1fr}
}
@media(max-width:520px){
  .features{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  h1{font-size:34px}
}

.brand-logo{
  display:block;
  width:180px;
  height:auto;
  object-fit:contain;
}
.footer-brand{
  background:#fff;
  padding:6px 10px;
  border-radius:6px;
  width:max-content;
}
.footer-brand .brand-logo{width:155px}
@media(max-width:520px){
  .brand-logo{width:145px}
}


/* Final hero: exact approved lighthouse image with HTML text overlay */
.hero.hero-image{
  position:relative;
  min-height:540px;
  padding:0;
  background-image:url('/assets/coastal-hero.jpg');
  background-size:cover;
  background-position:center center;
  display:flex;
  align-items:center;
  overflow:hidden;
}
.hero-overlay{
  position:absolute;
  inset:0;
  background:linear-gradient(
    90deg,
    rgba(255,255,255,.96) 0%,
    rgba(255,255,255,.90) 28%,
    rgba(255,255,255,.55) 45%,
    rgba(255,255,255,.08) 62%,
    rgba(255,255,255,0) 100%
  );
}
.hero-content{
  position:relative;
  z-index:2;
  width:min(1120px,92%);
}
.hero-copy{
  max-width:590px;
}
.hero-image h1{
  font-size:52px;
  text-shadow:0 1px 0 rgba(255,255,255,.35);
}
.hero-image .lead{
  color:#29465f;
  max-width:560px;
}
@media(max-width:820px){
  .hero.hero-image{
    min-height:560px;
    background-position:68% center;
  }
  .hero-overlay{
    background:linear-gradient(
      90deg,
      rgba(255,255,255,.97) 0%,
      rgba(255,255,255,.91) 58%,
      rgba(255,255,255,.30) 100%
    );
  }
  .hero-copy{max-width:78%}
}
@media(max-width:520px){
  .hero.hero-image{
    min-height:530px;
    background-position:72% center;
  }
  .hero-copy{max-width:92%}
  .hero-image h1{font-size:36px}
}