:root{
    --navy:#1a3a5c;
    --navy-deep:#0f2236;
    --gold:#c8920a;
    --gold-light:#f0b429;
    --cream:#f7f4ed;
    --paper:#ffffff;
    --ink:#1c2733;
    --ink-soft:#54606d;
    --line:#e3ddd0;
    --alert:#8c3b32;
    --alert-bg:#f7ece9;
    --good:#3a6b52;
    --good-bg:#eaf2ec;
    --radius:14px;
    --shadow:0 10px 30px rgba(15,42,68,0.08);
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:'DM Sans', sans-serif;
    background:var(--cream);
    color:var(--ink);
    line-height:1.6;
  }
  h1,h2,h3,h4{
    font-family:'Playfair Display', serif;
    color:var(--navy);
    margin:0 0 .5em 0;
    letter-spacing:-0.01em;
  }
  a{color:inherit;}
  img{max-width:100%;display:block;}
  .wrap{max-width:1080px;margin:0 auto;padding:0 24px;}

  /* HEADER */
  header{
    background:var(--navy);
    color:#fff;
    padding:14px 0;
  }
  header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;}
  .brand{font-family:'Playfair Display', serif;font-weight:600;font-size:1.05rem;color:#fff;text-decoration:none;}
  .brand span{color:var(--gold-light);}
  .badge{
    font-size:.72rem;
    letter-spacing:.09em;
    text-transform:uppercase;
    color:var(--gold-light);
    border:1px solid rgba(240,180,41,0.4);
    padding:5px 12px;
    border-radius:999px;
  }

  /* HERO */
  .hero{
    background:
      radial-gradient(1100px 500px at 85% -10%, rgba(200,146,10,0.18), transparent 60%),
      linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
    color:#fff;
    padding:64px 0 76px;
    position:relative;
    overflow:hidden;
  }
  .hero .eyebrow{
    color:var(--gold-light);
    font-size:.85rem;
    letter-spacing:.12em;
    text-transform:uppercase;
    font-weight:600;
    margin-bottom:14px;
  }
  .hero h1{
    color:#fff;
    font-size:clamp(2rem, 4.4vw, 3.1rem);
    font-weight:600;
    max-width:15ch;
    line-height:1.08;
  }
  .hero .lede{
    color:#d9e0e8;
    font-size:1.15rem;
    max-width:52ch;
    margin:18px 0 30px;
  }
  .cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center;}
  .btn{
    display:inline-flex;
    align-items:center;
    gap:9px;
    padding:14px 26px;
    border-radius:10px;
    font-weight:600;
    text-decoration:none;
    font-size:1rem;
    transition:transform .15s ease, box-shadow .15s ease;
  }
  .btn:hover{transform:translateY(-2px);}
  .btn-gold{
    background:var(--gold);
    color:var(--navy-deep);
    box-shadow:0 8px 22px rgba(200,146,10,0.35);
  }
  .btn-ghost{
    background:transparent;
    border:1px solid rgba(255,255,255,0.35);
    color:#fff;
  }

  .hero-inner{
    display:grid;
    grid-template-columns:1.35fr .65fr;
    gap:40px;
    align-items:center;
  }
  .hero-photo{
    display:flex;
    flex-direction:column;
    align-items:center;
    text-align:center;
  }
  .hero-photo .frame{
    width:220px;
    height:220px;
    border-radius:50%;
    padding:6px;
    background:linear-gradient(160deg, var(--gold-light), var(--gold) 60%, rgba(240,180,41,0.3));
    box-shadow:0 16px 40px rgba(0,0,0,0.28);
  }
  .hero-photo img{
    width:100%;
    height:100%;
    border-radius:50%;
    object-fit:cover;
    border:4px solid var(--navy-deep);
  }
  .hero-photo .agent-name{
    margin-top:16px;
    font-family:'Playfair Display', serif;
    color:#fff;
    font-weight:600;
    font-size:1.05rem;
  }
  .hero-photo .agent-role{
    color:var(--gold-light);
    font-size:.82rem;
    letter-spacing:.04em;
    margin-top:2px;
  }
  .hero-stats{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:1px;
    background:rgba(255,255,255,0.12);
    border-radius:var(--radius);
    overflow:hidden;
    margin-top:44px;
  }
  .hero-stats div{
    background:rgba(255,255,255,0.04);
    padding:20px 18px;
    text-align:center;
  }
  .hero-stats .num{
    font-family:'Playfair Display', serif;
    font-size:1.7rem;
    color:var(--gold-light);
    font-weight:600;
  }
  .hero-stats .lab{font-size:.76rem;color:#c7d0da;margin-top:4px;line-height:1.4;}

  /* SECTIONS */
  section{padding:64px 0;}
  .section-tag{
    font-size:.8rem;
    letter-spacing:.1em;
    text-transform:uppercase;
    color:var(--gold);
    font-weight:700;
    margin-bottom:8px;
  }
  .section-head{max-width:60ch;margin-bottom:36px;}
  .section-head p{color:var(--ink-soft);font-size:1.05rem;}

  .intro-quote{
    background:var(--paper);
    border-left:4px solid var(--gold);
    border-radius:0 var(--radius) var(--radius) 0;
    padding:28px 30px;
    box-shadow:var(--shadow);
    font-size:1.08rem;
    color:var(--navy);
  }

  /* CARD GRID */
  .grid{display:grid;gap:20px;}
  .grid-4{grid-template-columns:repeat(4,1fr);}
  .grid-3{grid-template-columns:repeat(3,1fr);}
  .grid-2{grid-template-columns:repeat(2,1fr);}
  .card{
    background:var(--paper);
    border-radius:var(--radius);
    padding:26px 24px;
    box-shadow:var(--shadow);
    border:1px solid var(--line);
  }
  .card .icon{font-size:1.6rem;margin-bottom:10px;display:block;}
  .card h4{font-size:1.05rem;margin-bottom:6px;}
  .card p{color:var(--ink-soft);font-size:.95rem;margin:0;}

  /* COVERAGE SECTION */
  .cov-basic{
    background:var(--navy);
    color:#fff;
    border-radius:var(--radius);
    padding:30px 28px;
    display:flex;
    align-items:center;
    gap:20px;
    margin-bottom:28px;
  }
  .cov-basic .icon{font-size:2.1rem;}
  .cov-basic h4{color:#fff;font-size:1.15rem;margin-bottom:4px;}
  .cov-basic p{color:#cfd8e2;margin:0;font-size:.95rem;}
  .cov-basic .tag{
    margin-left:auto;
    font-size:.72rem;
    text-transform:uppercase;
    letter-spacing:.08em;
    background:rgba(255,255,255,0.12);
    padding:6px 12px;
    border-radius:999px;
    white-space:nowrap;
  }
  .opt-tag{
    display:inline-block;
    font-size:.7rem;
    text-transform:uppercase;
    letter-spacing:.07em;
    color:var(--gold);
    font-weight:700;
    margin-bottom:14px;
  }

  /* TABLE */
  .table-wrap{
    background:var(--paper);
    border-radius:var(--radius);
    box-shadow:var(--shadow);
    overflow:hidden;
    border:1px solid var(--line);
  }
  table{width:100%;border-collapse:collapse;font-size:.95rem;}
  thead th{
    background:var(--navy);
    color:#fff;
    font-weight:600;
    text-align:center;
    padding:14px 12px;
    font-family:'Playfair Display', serif;
    font-size:.95rem;
  }
  tbody td{
    padding:13px 12px;
    text-align:center;
    border-top:1px solid var(--line);
    color:var(--ink);
  }
  tbody tr:nth-child(even){background:#fbfaf6;}
  .table-foot{
    padding:12px 16px;
    font-size:.78rem;
    color:var(--ink-soft);
    background:#f0ecdf;
    text-align:center;
  }

  /* PROCESS */
  .process{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:24px;
  }
  .process .step{position:relative;padding-left:2px;}
  .process .step .n{
    font-family:'Playfair Display', serif;
    color:var(--gold);
    font-size:2.2rem;
    font-weight:600;
    display:block;
    margin-bottom:6px;
  }

  /* EXCLUSIONS */
  .exclusions{
    background:var(--alert-bg);
    border:1px solid #e6cfc8;
    border-radius:var(--radius);
    padding:32px 30px;
  }
  .exclusions h3{color:var(--alert);}
  .exclusions ul{
    margin:16px 0 0;
    padding:0;
    list-style:none;
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:14px 28px;
  }
  .exclusions li{
    font-size:.94rem;
    color:#5c2f29;
    padding-left:20px;
    position:relative;
  }
  .exclusions li::before{
    content:"—";
    position:absolute;
    left:0;
    color:var(--alert);
  }
  .exclusions li strong{color:var(--alert);}

  /* WHY THIS AGENT */
  .why{
    background:var(--navy);
    color:#fff;
    border-radius:20px;
    padding:48px 44px;
  }
  .why h2{color:#fff;}
  .why .lede{color:#cfd8e2;max-width:56ch;margin-bottom:28px;}
  .why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;}
  .why-item{background:rgba(255,255,255,0.06);border-radius:12px;padding:20px 22px;border:1px solid rgba(255,255,255,0.1);}
  .why-item h4{color:#fff;font-size:1rem;margin-bottom:6px;}
  .why-item p{color:#c7d0da;font-size:.92rem;margin:0;}

  /* FINAL CTA */
  .final-cta{
    text-align:center;
    background:var(--paper);
    border-radius:20px;
    padding:56px 40px;
    box-shadow:var(--shadow);
    border:1px solid var(--line);
  }
  .final-cta h2{font-size:clamp(1.6rem,3vw,2.2rem);}
  .final-cta p{color:var(--ink-soft);max-width:50ch;margin:12px auto 28px;}
  .final-cta .cta-row{justify-content:center;}

  footer{
    background:var(--navy-deep);
    color:#aab6c2;
    padding:40px 0 26px;
    font-size:.88rem;
  }
  footer .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px;}
  footer .qr{display:flex;align-items:center;gap:14px;}
  footer .qr img{width:64px;height:64px;border-radius:8px;background:#fff;padding:4px;}
  footer a.footlink{color:var(--gold-light);text-decoration:none;}

  @media (max-width:860px){
    .grid-4, .process{grid-template-columns:repeat(2,1fr);}
    .why-grid, .exclusions ul{grid-template-columns:1fr;}
    .hero-inner{grid-template-columns:1fr;}
    .hero-photo{order:-1;}
    .hero-photo .frame{width:150px;height:150px;}
  }
  @media (max-width:600px){
    .grid-4,.grid-3,.grid-2,.process{grid-template-columns:1fr;}
    .hero-stats{grid-template-columns:repeat(2,1fr);}
    .cov-basic{flex-direction:column;align-items:flex-start;}
    .cov-basic .tag{margin-left:0;}
    .why{padding:36px 24px;}
    footer .wrap{flex-direction:column;text-align:center;}
  }