/* Shared stylesheet. */
@font-face{font-family:"Open Sans";src:url("/fonts/OpenSans.woff2") format("woff2");font-weight:300 800;font-stretch:75% 100%;font-display:swap}
:root{--brand:#102454;--brand-deep:#0a183a;--accent:#d6a034;--accent-ink:#0a183a;--cream:#fdfaf4;--ink:#1d2330;--muted:#5b6475;--line:#e3e6ee;--card:#ffffff;--radius:10px;--max:1120px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Open Sans",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:17px}
img{max-width:100%;height:auto}
a{color:var(--brand)}
a:hover{color:var(--accent-ink)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--brand-deep)}
h1{font-size:clamp(2rem,4.2vw,3rem);font-weight:800}
h2{font-size:clamp(1.5rem,2.8vw,2.1rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.topbar{background:var(--brand-deep);color:#dfe5f2;font-size:.85rem}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:6px 18px;justify-content:space-between;padding-top:7px;padding-bottom:7px}
.topbar a{color:#fff;text-decoration:none;font-weight:700}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.brand{text-decoration:none;display:flex;flex-direction:column;line-height:1.1}
.brand .name{font-weight:800;font-size:1.45rem;color:var(--brand)}
.brand .name b{color:var(--accent)}
.brand .sub{font-size:.8rem;color:var(--muted);font-weight:600;margin-top:3px}
.nav{display:flex;flex-wrap:wrap;gap:4px 2px;align-items:center}
.nav a{text-decoration:none;color:var(--brand-deep);font-weight:600;font-size:.93rem;padding:7px 10px;border-radius:6px}
.nav a:hover,.nav a.active{background:var(--cream);color:var(--brand)}
.nav a.cta{background:var(--accent);color:var(--accent-ink)}
.nav a.cta:hover{filter:brightness(1.05)}
.hero{background:linear-gradient(135deg,var(--brand-deep),var(--brand));color:#fff;padding:64px 0 56px}
.hero h1{color:#fff}
.hero .lead{font-size:1.2rem;color:#e6ebf5;max-width:720px}
.hero .eyebrow{display:inline-block;color:var(--accent);font-weight:700;letter-spacing:.06em;text-transform:uppercase;font-size:.85rem;margin-bottom:10px}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:36px;align-items:center}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:22px}
.hero-card h2{color:#fff;font-size:1.25rem}
.hero-card ol{margin:0;padding-left:1.2em}.hero-card li{margin-bottom:.6em}
.hero small,.hero .fine{color:#c9d2e6;font-size:.88rem}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 14px}
.btn{display:inline-block;background:var(--accent);color:var(--accent-ink);font-weight:800;text-decoration:none;padding:13px 22px;border-radius:8px;border:2px solid var(--accent);font-size:1rem;cursor:pointer}
.btn:hover{filter:brightness(1.06);color:var(--accent-ink)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn.dark{background:var(--brand);border-color:var(--brand);color:#fff}
.section{padding:56px 0}
.section.alt{background:var(--cream)}
.section.tight{padding:36px 0}
.lede{font-size:1.1rem;color:var(--muted);max-width:760px}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin-top:0}
.card.link{text-decoration:none;color:inherit;display:block;transition:transform .1s}
.card.link:hover{transform:translateY(-2px);border-color:var(--accent)}
.option{border-top:6px solid var(--accent);position:relative}
.option .tag{display:inline-block;background:var(--brand);color:#fff;font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:999px;margin-bottom:10px}
.option.two{border-top-color:var(--brand)}
.check{list-style:none;padding:0;margin:0 0 1em}
.check li{padding-left:1.6em;position:relative;margin-bottom:.55em}
.check li::before{content:"\2713";position:absolute;left:0;color:var(--accent);font-weight:800}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:16px;grid-template-columns:repeat(4,1fr)}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;position:relative}
.steps li::before{content:counter(s);display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--accent);color:var(--accent-ink);font-weight:800;margin-bottom:10px}
.note{background:var(--cream);border-left:5px solid var(--accent);padding:14px 18px;border-radius:6px;margin:1em 0}
.note.blue{background:#eef2fa;border-left-color:var(--brand)}
.ph{background:#fff7d6;color:#6b5200;border:1px dashed #d4b44a;padding:1px 6px;border-radius:4px;font-weight:700;font-size:.92em}
.ph-block{background:#fffaf0;border:2px dashed #d4b44a;color:#6b5200;border-radius:var(--radius);padding:22px;text-align:center;font-weight:700}
.ph-photo{aspect-ratio:4/3;display:flex;align-items:center;justify-content:center}
.testimonials .ph-block{text-align:left;font-weight:600}
.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:14px 18px;margin-bottom:10px}
.faq summary{font-weight:700;cursor:pointer;color:var(--brand-deep)}
.faq details p{margin:.7em 0 0}
.areas a{display:inline-block;margin:4px 6px 4px 0;padding:6px 12px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:.92rem;background:#fff}
.areas a:hover{border-color:var(--accent)}
.breadcrumb{font-size:.85rem;color:#c9d2e6;margin-bottom:10px}.breadcrumb a{color:#fff}
.page-hero{padding:48px 0 40px}
.prose{max-width:780px}
.prose h2{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em}.prose li{margin-bottom:.4em}
.two-col{display:grid;grid-template-columns:1.6fr 1fr;gap:36px;align-items:start}
.sidebar .card{position:sticky;top:110px}
/* form */
.form-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 6px 24px rgba(10,24,58,.06)}
.todo{background:#ffe9e3;color:#7a2a12;border:1px dashed #d4581a;border-radius:6px;padding:8px 12px;font-size:.85rem;font-weight:700;margin-bottom:14px}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
form label{display:block;font-weight:700;font-size:.9rem;margin:12px 0 4px}
form input[type=text],form input[type=tel],form input[type=email],form select,form textarea{width:100%;padding:11px 12px;border:1px solid #c8cdd8;border-radius:7px;font:inherit;font-size:1rem;background:#fff}
form textarea{min-height:96px}
form fieldset{border:0;padding:0;margin:12px 0 0}
form legend{font-weight:700;font-size:.9rem;margin-bottom:4px}
form .choice{display:flex;gap:8px;align-items:flex-start;font-weight:400;margin:6px 0}
form .choice input{margin-top:5px}
form .consent{font-size:.82rem;color:var(--muted);font-weight:400}
form .btn{margin-top:16px;width:100%}
.form-msg{display:none;margin-top:14px;padding:12px;border-radius:7px;background:#eef7ee;border:1px solid #9cc79c;font-weight:600}
/* footer */
.site-footer{background:var(--brand-deep);color:#c9d2e6;font-size:.9rem;padding:44px 0 26px}
.site-footer a{color:#fff}
.site-footer h4{color:#fff;margin:0 0 10px;font-size:1rem}
.foot-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px}
.foot-grid ul{list-style:none;padding:0;margin:0}.foot-grid li{margin-bottom:6px}
.disclosure{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:18px;font-size:.84rem;line-height:1.55}
.disclosure p{margin:0 0 .7em}
.eho{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:#fff}
.eho svg{width:26px;height:26px}
.cta-band{background:var(--brand);color:#fff;padding:44px 0;text-align:center}
.cta-band h2{color:#fff}.cta-band p{color:#e1e7f3}
.cta-band .btns{justify-content:center}
@media (max-width:900px){.hero-grid,.two-col,.foot-grid{grid-template-columns:1fr}.g3,.g4,.steps{grid-template-columns:1fr 1fr}.sidebar .card{position:static}.site-header{position:static}}
@media (max-width:600px){.g2,.g3,.g4,.steps,form .row{grid-template-columns:1fr}body{font-size:16px}.hero{padding:44px 0 40px}}
/* Broker contact block: all four items share ONE font size and weight. Do not style children differently. */
.contact-block{margin:0;font-size:15px;font-weight:600;line-height:1.5;display:flex;flex-wrap:wrap;gap:2px 10px;align-items:baseline}
.contact-block *{font-size:inherit !important;font-weight:inherit !important;font-family:inherit !important;line-height:inherit}
.contact-block a{color:inherit;text-decoration:underline;text-underline-offset:2px}
.contact-block .sep{opacity:.55}
.topbar .contact-block{color:#fff}
.topbar .wrap{justify-content:flex-start}
.footer-contact{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:18px;color:#fff}
.footer-contact + .disclosure{border-top:0;margin-top:10px;padding-top:0}
.tagline-sm{font-weight:800;letter-spacing:.04em;text-transform:uppercase;font-size:.82rem;color:var(--accent);margin:0 0 8px}
.footer-contact{display:flex;flex-wrap:wrap;align-items:center;gap:14px 22px}
.msr-logo{display:inline-block;background:#fff;border-radius:8px;padding:6px 10px;line-height:0}
.msr-logo img{height:52px;width:auto;display:block}
/* honeypot: hidden from people, visible to naive bots */
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.form-wrap{position:relative}
.form-msg.err{background:#fdecea;border-color:#e3a39a}

/* homeBgone overrides: charcoal #2b2b2b + burnt orange #d4581a */
:root{--brand:#2b2b2b;--brand-deep:#1f1f1f;--accent:#d4581a;--accent-ink:#ffffff;--cream:#faf5f0;--ink:#232323;--muted:#5d5d5d;--line:#e6e1dc}
a{color:#b4470f}
.brand img{display:block;height:58px;width:auto}
.hero{background:linear-gradient(135deg,#1f1f1f,#2b2b2b 60%,#3a2a20)}
.hero .eyebrow{color:#f08a52}
.hero .lead{color:#ececec}
.hero small,.hero .fine{color:#cfcfcf}
.hero-card{border-color:rgba(212,88,26,.55)}
.hero .tagline{font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#f08a52;font-size:.9rem;margin:0 0 12px}
.option .tag{background:var(--accent)}
.option.two{border-top-color:var(--brand)}
.check li::before{color:var(--accent)}
.steps li::before{color:#fff}
.nav a:hover,.nav a.active{background:#f6ece5;color:#1f1f1f}
.nav a.cta,.nav a.cta:hover{color:#fff}
.btn,.btn:hover{color:#fff}
.btn.ghost{color:#fff}
.cta-band{background:#2b2b2b;border-top:5px solid var(--accent)}
.site-footer{background:#1f1f1f;color:#cfcfcf}
.topbar{background:#1f1f1f;color:#ddd}
.breadcrumb{color:#cfcfcf}
.biglogo{background:#fff;border-radius:var(--radius);padding:18px;display:inline-block}
.sit-icon{font-size:1.6rem;line-height:1;color:var(--accent);font-weight:800}