@font-face {
  font-family: "QV Serif";
  src: url("/fonts/qv-serif-500.woff2") format("woff2");
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "QV Sans";
  src: url("/fonts/qv-sans-400.woff2") format("woff2");
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "QV Sans";
  src: url("/fonts/qv-sans-600.woff2") format("woff2");
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}

:root {
  --navy: #0c2a4b;
  --navy-hover: #143a64;
  --gold: #e9b759;
  --text: #25313d;
  --muted: #526170;
  --slate: #3d556f;
  --bg: #ffffff;
  --surface: #f7f9fb;
  --border: #d5dde5;
  --focus: #0c2a4b;
  --error-bg: #fef2f2;
  --error-border: #b91c1c;
  --error-text: #7f1d1d;
  --success-bg: #f0fdf4;
  --success-border: #15803d;
  --success-text: #14532d;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  margin: 0;
  min-height: 100vh;
  min-height: 100svh;
  display: flex;
  flex-direction: column;
  background: var(--bg);
  color: var(--text);
  font-family: "QV Sans", "Source Sans 3", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 1.125rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.skip-link {
  position: absolute;
  top: -100px;
  left: 1rem;
  z-index: 1000;
  padding: 0.75rem 1.25rem;
  background: var(--navy);
  color: #ffffff;
  font-weight: 600;
  text-decoration: none;
  border-radius: 6px;
}

.skip-link:focus {
  top: 1rem;
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}

.site-header {
  border-bottom: 1px solid var(--border);
  background: var(--bg);
}

.header-inner {
  max-width: 72rem;
  margin: 0 auto;
  padding: 1rem 1.25rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.wordmark {
  color: var(--navy);
  font-family: "QV Serif", Georgia, "Times New Roman", serif;
  font-weight: 500;
  font-size: 1.3125rem;
  line-height: 1.2;
  text-decoration: none;
  padding: 0.5rem 0;
}

.wordmark:hover {
  color: var(--navy-hover);
}

.wordmark:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
  border-radius: 4px;
}

.site-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.375rem 0.75rem;
}

.site-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  padding: 0.5rem 0.625rem;
  color: var(--text);
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  border-radius: 6px;
}

.site-nav a:hover {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 4px;
}

.site-nav a[aria-current="page"] {
  color: var(--navy);
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-decoration-thickness: 3px;
  text-underline-offset: 6px;
}

.site-nav a:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
}

.site-nav .nav-cta {
  padding: 0.625rem 1.25rem;
  background: var(--navy);
  color: #ffffff;
  border-radius: 8px;
  text-decoration: none;
}

.site-nav .nav-cta:hover {
  background: var(--navy-hover);
  color: #ffffff;
  text-decoration: none;
}

main {
  flex: 1 0 auto;
  width: 100%;
}

.container {
  max-width: 64rem;
  margin: 0 auto;
  padding: 2.5rem 1.25rem 4rem;
}

.prose {
  max-width: 44rem;
}

.page-header {
  max-width: 46rem;
  margin-bottom: 2.25rem;
}

.rule {
  width: 3rem;
  height: 0;
  margin: 1.25rem 0 1.5rem;
  border: 0;
  border-top: 2px solid var(--gold);
}

h1,
h2,
h3 {
  color: var(--navy);
  font-family: "QV Serif", Georgia, "Times New Roman", serif;
  font-weight: 500;
  line-height: 1.18;
  letter-spacing: -0.01em;
  text-wrap: balance;
}

h1 {
  margin: 0;
  font-size: clamp(2rem, 1.35rem + 2.5vw, 3rem);
}

h2 {
  margin: 2.5rem 0 0.875rem;
  font-size: clamp(1.45rem, 1.2rem + 1vw, 1.875rem);
}

h3 {
  margin: 1.75rem 0 0.5rem;
  font-size: 1.25rem;
}

p {
  margin: 0 0 1.15rem;
}

.lede {
  font-size: 1.225rem;
  line-height: 1.55;
  color: var(--text);
  margin-bottom: 1.5rem;
}

ul,
ol {
  margin: 0 0 1.25rem;
  padding-left: 1.5rem;
}

li {
  margin-bottom: 0.5rem;
}

a {
  color: var(--navy);
  text-underline-offset: 3px;
}

a:hover {
  color: var(--navy-hover);
}

a:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
  border-radius: 2px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0.75rem 1.75rem;
  border: 2px solid var(--navy);
  border-radius: 8px;
  background: var(--navy);
  color: #ffffff;
  font-family: inherit;
  font-weight: 600;
  font-size: 1.0625rem;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 150ms ease, border-color 150ms ease;
}

.button:hover {
  background: var(--navy-hover);
  border-color: var(--navy-hover);
  color: #ffffff;
}

.button:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

.button-secondary {
  background: transparent;
  color: var(--navy);
}

.button-secondary:hover {
  background: var(--surface);
  color: var(--navy);
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1.5rem;
}

.notice-box {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: 6px;
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  font-size: 1rem;
  color: var(--text);
}

.notice-box p:last-child {
  margin-bottom: 0;
}

.card-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  margin: 1.5rem 0 2rem;
}

@media (min-width: 720px) {
  .card-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 1.375rem 1.5rem;
}

.card h3 {
  margin-top: 0;
}

.card p:last-child,
.card ul:last-child {
  margin-bottom: 0;
}

.steps-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 2rem;
  counter-reset: step-counter;
}

.steps-list li {
  counter-increment: step-counter;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 1.25rem 1.5rem;
  margin-bottom: 1rem;
}

.steps-list li strong {
  display: block;
  color: var(--navy);
  font-size: 1.125rem;
  margin-bottom: 0.35rem;
}

.cta-banner {
  margin-top: 3rem;
  padding: 2rem 1.5rem;
  background: var(--surface);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  border-radius: 8px;
  max-width: 44rem;
}

.cta-banner h2 {
  margin-top: 0;
}

.faq-list {
  margin: 1.5rem 0;
}

.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 1.25rem 0;
}

.faq-item:first-child {
  border-top: 1px solid var(--border);
}

.faq-item h3 {
  margin: 0 0 0.5rem;
  font-family: "QV Sans", sans-serif;
  font-weight: 600;
  font-size: 1.125rem;
}

.faq-item p:last-child {
  margin-bottom: 0;
}

/* Quote layout & form */
.quote-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: start;
}

@media (min-width: 880px) {
  .quote-layout {
    grid-template-columns: 5fr 7fr;
    gap: 3rem;
  }
}

.quote-sidebar {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 1.5rem;
}

.quote-sidebar h2 {
  margin-top: 0;
  font-size: 1.375rem;
}

.quote-form {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 1.5rem;
}

@media (min-width: 640px) {
  .quote-form {
    padding: 2rem;
  }
}

.form-fieldset {
  border: 0;
  margin: 0 0 1.75rem;
  padding: 0 0 1.5rem;
  border-bottom: 1px solid var(--border);
}

.form-fieldset:last-of-type {
  border-bottom: 0;
  margin-bottom: 1.25rem;
  padding-bottom: 0;
}

.form-legend {
  padding: 0;
  margin-bottom: 1rem;
  color: var(--navy);
  font-family: "QV Serif", Georgia, serif;
  font-weight: 500;
  font-size: 1.3125rem;
}

.field-group {
  margin-bottom: 1.25rem;
}

.field-group:last-child {
  margin-bottom: 0;
}

.field-label {
  display: block;
  font-weight: 600;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 0.4rem;
}

.field-hint {
  display: block;
  font-size: 0.9375rem;
  color: var(--muted);
  margin-bottom: 0.5rem;
}

.text-input,
.select-input,
.textarea-input {
  width: 100%;
  min-height: 48px;
  padding: 0.65rem 0.85rem;
  font-family: inherit;
  font-size: 1rem;
  line-height: 1.4;
  color: var(--text);
  background: #ffffff;
  border: 1px solid #8c9ba8;
  border-radius: 6px;
}

.textarea-input {
  min-height: 120px;
  resize: vertical;
}

.text-input:focus-visible,
.select-input:focus-visible,
.textarea-input:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 1px;
  border-color: var(--navy);
}

.chip-group {
  display: flex;
  flex-wrap: wrap;
  gap: 0.625rem;
  margin-top: 0.5rem;
}

.chip-option {
  position: relative;
  display: inline-flex;
}

.chip-input {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
  margin: 0;
}

.chip-label {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  padding: 0.5rem 1rem;
  border: 1px solid #8c9ba8;
  border-radius: 999px;
  background: #ffffff;
  color: var(--text);
  font-size: 0.96875rem;
  font-weight: 600;
  cursor: pointer;
  user-select: none;
  transition: background-color 120ms ease, border-color 120ms ease, color 120ms ease;
}

.chip-label:hover {
  border-color: var(--navy);
  background: var(--surface);
}

.chip-input:checked + .chip-label {
  background: var(--navy);
  border-color: var(--navy);
  color: #ffffff;
}

.chip-input:focus-visible + .chip-label {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
}

.hp-field {
  position: absolute;
  left: -9999px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-status {
  margin-top: 1.25rem;
  padding: 1rem 1.25rem;
  border-radius: 6px;
  font-size: 1rem;
}

.form-status[hidden] {
  display: none;
}

.form-status-error {
  background: var(--error-bg);
  border: 1px solid var(--error-border);
  color: var(--error-text);
}

.form-status-success {
  background: var(--success-bg);
  border: 1px solid var(--success-border);
  color: var(--success-text);
}

.site-footer {
  flex-shrink: 0;
  border-top: 1px solid var(--border);
  background: var(--surface);
  padding: 2.25rem 1.25rem;
  color: var(--muted);
  font-size: 0.9375rem;
}

.footer-inner {
  max-width: 72rem;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.5rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links a {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  color: var(--text);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.footer-links a:hover {
  color: var(--navy);
}

.footer-note {
  margin: 0;
  font-size: 0.875rem;
  line-height: 1.5;
  max-width: 54rem;
}

@media (max-width: 480px) {
  body {
    font-size: 1.0625rem;
  }
  .button {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    transition: none !important;
    animation: none !important;
    scroll-behavior: auto !important;
  }
}