:root{--navy:#14253d;--navy2:#1d3556;--gold:#c9973f;--cream:#faf6ee;--ink:#25303f;--muted:#5d6877}
html{scroll-behavior:smooth;scroll-padding-top:76px}
body{font-family:'Inter',sans-serif;color:var(--ink);line-height:1.7;background:#fff}
h1,h2,h3{font-family:'Fraunces',serif;color:var(--navy);line-height:1.15}
a{color:var(--navy2)}

/* nav */
.site-nav{background:rgba(250,246,238,.97);box-shadow:0 1px 0 rgba(20,37,61,.1);padding:.55rem 0}
.navbar-brand{display:flex;flex-direction:column;line-height:1.1;padding:0}
.brand-name{font-family:'Fraunces',serif;font-weight:700;font-size:1.3rem;color:var(--navy)}
.brand-est{font-size:.68rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:600}
.site-nav .nav-link{color:var(--navy);font-weight:500;font-size:.92rem;padding:.5rem .7rem}
.site-nav .nav-link:hover,.site-nav .nav-link.active{color:var(--gold)}
.btn-quote{background:var(--navy);color:#fff;font-weight:600;font-size:.9rem;border-radius:2rem;padding:.45rem 1.1rem}
.btn-quote:hover{background:var(--gold);color:var(--navy)}
@media(max-width:991px){.site-nav .navbar-collapse{padding:.5rem 0 1rem}.btn-quote{display:inline-block;margin-top:.5rem}}

.btn-gold{background:var(--gold);color:var(--navy);font-weight:600;border:0;border-radius:2rem;padding:.7rem 1.7rem}
.btn-gold:hover{background:#dba94d;color:var(--navy)}
.btn-outline-light{border-radius:2rem;padding:.7rem 1.5rem}

/* hero: split panel */
.hero{display:grid;grid-template-columns:1fr 1fr;min-height:88vh;padding-top:62px;background:linear-gradient(115deg,var(--navy) 0%,var(--navy) 55%,var(--navy2) 100%)}
.hero-text{display:flex;flex-direction:column;justify-content:center;padding:4rem clamp(1.5rem,5vw,5rem);color:#fff}
.hero-eyebrow{color:var(--gold);letter-spacing:.2em;text-transform:uppercase;font-size:.8rem;font-weight:600;margin-bottom:1rem}
.hero-title{color:#fff;font-size:clamp(2.4rem,5vw,4.2rem);font-weight:700;margin-bottom:1.2rem}
.hero-subtitle{font-size:1.1rem;color:#d9e0ea;max-width:34rem;margin-bottom:2rem}
.hero-cta{display:flex;flex-wrap:wrap;gap:.8rem}
.hero-photo{align-self:center;width:calc(100% - 3rem);margin:0 2rem 0 1rem;aspect-ratio:715/287;background:url('img/hero.webp') center/cover no-repeat;border-radius:6px;border:6px solid var(--cream);box-shadow:0 24px 50px rgba(0,0,0,.4)}
@media(max-width:860px){
  .hero{grid-template-columns:1fr;min-height:0}
  .hero-photo{order:-1;margin:1.5rem auto 0;width:calc(100% - 3rem)}
  .hero-text{padding:2.5rem 1.5rem 3rem}
}

/* perks */
.perks{background:var(--cream);border-bottom:1px solid #eadfc8}
.perk{padding:2.2rem 1.4rem;text-align:center;border-right:1px solid #eadfc8}
.perk:last-child{border-right:0}
.perk i{font-size:1.8rem;color:var(--gold)}
.perk h3{font-size:1.15rem;margin:.5rem 0 .4rem}
.perk p{font-size:.9rem;color:var(--muted);margin:0}
@media(max-width:991px){.perk:nth-child(2){border-right:0}.perk:nth-child(-n+2){border-bottom:1px solid #eadfc8}}

/* sections */
.section{padding:6rem 0}
.tint{background:var(--cream)}
.kicker{text-transform:uppercase;letter-spacing:.18em;font-size:.78rem;font-weight:600;color:var(--gold);margin-bottom:.8rem}
.section h2{font-size:clamp(1.8rem,3.2vw,2.6rem);margin-bottom:1.2rem}
.lead-line{font-family:'Fraunces',serif;font-size:1.4rem;color:var(--navy);border-left:3px solid var(--gold);padding-left:1rem;margin-top:1.5rem}
.fine{font-size:.95rem;color:var(--muted)}
.about-photo{position:relative;padding:0 0 2rem 2rem}
.about-photo img{width:100%;height:auto;border-radius:6px;display:block;box-shadow:0 20px 40px rgba(20,37,61,.18)}
.est-badge{position:absolute;left:0;bottom:0;background:var(--navy);color:#fff;padding:1rem 1.4rem;border-radius:6px;display:flex;flex-direction:column;line-height:1.2}
.est-badge strong{font-family:'Fraunces',serif;font-size:2rem;color:var(--gold)}
.est-badge span{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em}
.feature-img{width:100%;height:auto;border-radius:6px;box-shadow:0 20px 40px rgba(20,37,61,.15)}
.tick-list{list-style:none;padding:0;margin:1rem 0}
.tick-list li{position:relative;padding-left:1.7rem;margin-bottom:.45rem}
.tick-list li:before{content:"\F26A";font-family:bootstrap-icons;position:absolute;left:0;color:var(--gold)}
.tick-list.two-col{columns:2}
.tick-list.two-col li{break-inside:avoid}
@media(max-width:480px){.tick-list.two-col{columns:1}}
.chip-grid{list-style:none;padding:0;margin:3rem 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:.8rem}
.chip-grid li{background:#fff;border:1px solid #eadfc8;border-radius:6px;padding:.9rem 1.1rem;font-size:.93rem;border-left:3px solid var(--gold)}
@media(max-width:991px){.chip-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.chip-grid{grid-template-columns:1fr}}

/* gallery: 3x2 */
.gallery img{width:100%;height:100%;aspect-ratio:3/2;object-fit:cover;border-radius:6px;display:block}
.gallery-note>div{height:100%;aspect-ratio:3/2;background:var(--navy);color:#fff;border-radius:6px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:1rem;font-family:'Fraunces',serif;font-size:1.1rem}
.gallery-note span{color:var(--gold);font-family:'Inter',sans-serif;font-size:.8rem;letter-spacing:.15em;text-transform:uppercase;margin-top:.3rem}

/* carriers */
.carrier{display:flex;align-items:center;justify-content:center;background:#fff;border:1px solid #eadfc8;border-radius:8px;height:150px;padding:1.2rem;transition:box-shadow .2s}
.carrier:hover{box-shadow:0 10px 24px rgba(20,37,61,.12)}
.carrier img{max-width:100%;max-height:100%;width:auto;height:auto}

/* contact */
.contact-list{list-style:none;padding:0;margin:1.5rem 0 2rem}
.contact-list li{display:flex;gap:1rem;margin-bottom:1.1rem}
.contact-list i{color:var(--gold);font-size:1.3rem;margin-top:.1rem}
.map-wrap{height:100%;min-height:380px;border-radius:8px;overflow:hidden;box-shadow:0 20px 40px rgba(20,37,61,.15)}
.map-wrap iframe{width:100%;height:100%;min-height:380px;border:0;display:block}

/* footer */
.site-footer{background:var(--navy);color:#cbd5e1;padding:3rem 0 1.5rem}
.logo-chip{display:inline-block;background:var(--cream);padding:.7rem 1.1rem;border-radius:8px}
.logo-chip img{display:block;width:260px;max-width:100%;height:auto}
.powered{margin-top:2rem;padding-top:1.2rem;border-top:1px solid rgba(255,255,255,.12);text-align:center;font-size:.85rem}
.powered a{color:var(--gold);font-weight:600;text-decoration:none}
.powered a:hover{text-decoration:underline}