:root {
  --brokerage-navy: #143A5A;
  --atlantic-blue: #1F7FBF;
  --assurance-green: #2E8B57;
  --signal-orange: #F28C28;
  --cloud-white: #F7FAFC;
  --slate-text: #1F2933;
  --soft-border: #D8E2EA;
}
* { box-sizing: border-box; }
body {
  background: var(--cloud-white);
  color: var(--slate-text);
  font-family: Inter, "Source Sans 3", Arial, sans-serif;
}
h1, h2, h3, .brand-logo {
  font-family: "Source Sans 3", Inter, Arial, sans-serif;
  font-weight: 800;
  letter-spacing: 0;
}
.broker-nav {
  background: rgba(247,250,252,.96);
  color: var(--brokerage-navy);
  border-bottom: 1px solid var(--soft-border);
  box-shadow: 0 2px 18px rgba(20,58,90,.08);
}
.broker-nav .brand-logo,
.broker-nav ul a {
  color: var(--brokerage-navy);
}
.broker-nav ul a {
  font-weight: 700;
}
.nav-dropdown { position: relative; }
.nav-dropdown .nav-menu {
  display: none;
  position: absolute;
  top: 64px;
  min-width: 230px;
  background: white;
  border: 1px solid var(--soft-border);
  border-radius: 8px;
  padding: 10px 0;
  box-shadow: 0 18px 38px rgba(20,58,90,.15);
}
.nav-dropdown:hover .nav-menu { display: block; }
.nav-dropdown .nav-menu li { float: none; }
.nav-dropdown .nav-menu a {
  color: var(--slate-text);
  line-height: 1.2;
  padding: 10px 18px;
  display: block;
}
.home-hero {
  min-height: 640px;
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.home-hero > img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(20,58,90,.95), rgba(20,58,90,.74) 48%, rgba(20,58,90,.15));
}
.hero-copy {
  position: relative;
  z-index: 2;
  color: white;
}
.eyebrow {
  text-transform: uppercase;
  font-weight: 800;
  font-size: .82rem;
  color: #cfe4ff;
  letter-spacing: 0;
}
.hero-copy h1 {
  max-width: 760px;
  font-size: clamp(2.3rem, 5vw, 4.7rem);
  line-height: 1.03;
  margin: 0 0 1.2rem;
}
.hero-copy p {
  max-width: 640px;
  font-size: 1.18rem;
  color: rgba(255,255,255,.9);
}
.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.orange-cta {
  background: var(--signal-orange);
  color: white;
  border-radius: 8px;
}
.outline-cta {
  border: 1px solid rgba(255,255,255,.45);
  background: rgba(255,255,255,.12);
  color: white;
  border-radius: 8px;
}
.metrics {
  background: var(--brokerage-navy);
  color: white;
  border-radius: 12px;
  margin-top: -52px;
  position: relative;
  z-index: 4;
  padding: 18px 28px;
}
.metrics .col {
  text-align: center;
  padding: 20px;
}
.metrics strong {
  display: block;
  color: #9af6b8;
  font-size: 2.7rem;
  line-height: 1;
}
.metrics span {
  display: block;
  text-transform: uppercase;
  font-weight: 700;
  opacity: .8;
}
.service-section, .content-shell, .article-shell, .category-shell {
  padding-top: 72px;
  padding-bottom: 72px;
}
.section-head {
  max-width: 720px;
  margin-bottom: 34px;
}
.section-head h2, .office-band h2, .page-hero h1, .category-head h1, .site-prose h1 {
  color: var(--brokerage-navy);
}
.service-card {
  display: grid;
  gap: 12px;
  min-height: 180px;
  background: white;
  border: 1px solid var(--soft-border);
  border-radius: 10px;
  padding: 26px;
  color: var(--slate-text);
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(20,58,90,.06);
}
.service-card i { color: var(--atlantic-blue); font-size: 34px; }
.service-card strong { color: var(--brokerage-navy); font-size: 1.25rem; }
.service-card span { color: var(--atlantic-blue); font-weight: 800; }
.office-band {
  background: #eef4f8;
  padding: 70px 0;
}
.office-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 12px;
}
.office-grid a {
  background: white;
  border: 1px solid var(--soft-border);
  border-radius: 8px;
  padding: 14px 16px;
  color: var(--brokerage-navy);
  font-weight: 800;
}
.page-hero.compact {
  background: linear-gradient(135deg, var(--brokerage-navy), #215d88);
  color: white;
  padding: 90px 0 64px;
}
.page-hero.compact h1 {
  color: white;
  font-size: clamp(2rem, 4vw, 3.6rem);
}
.page-hero.compact p { max-width: 760px; color: rgba(255,255,255,.86); }
.breadcrumb-bar {
  background: #e9f1f7;
  height: auto;
  line-height: 1.5;
  padding: 12px 0;
}
.breadcrumb-bar .breadcrumb {
  color: var(--brokerage-navy);
  font-size: .95rem;
}
.content-card, .category-card {
  background: white;
  border: 1px solid var(--soft-border);
  border-radius: 10px;
  padding: clamp(22px, 4vw, 42px);
  box-shadow: 0 8px 26px rgba(20,58,90,.06);
}
.site-prose {
  font-size: 1.04rem;
  line-height: 1.75;
}
.site-prose a, .category-shell a, .article-shell a {
  color: var(--atlantic-blue);
  text-decoration: underline;
  text-decoration-color: rgba(31,127,191,.35);
  text-underline-offset: 3px;
}
.site-prose a:hover, .category-shell a:hover, .article-shell a:hover {
  color: var(--signal-orange);
  text-decoration-color: var(--signal-orange);
}
.site-prose img, .content-card img, .category-card img {
  max-width: 100%;
  height: auto;
  border-radius: 8px;
}
.gallery-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 16px;
}
.article-summary {
  border-left: 4px solid var(--signal-orange);
  padding-left: 16px;
  color: #475569;
}
.article-main-image {
  float: right;
  max-width: 33%;
  margin: 0 0 18px 24px;
}
.toc-panel, .toc-side {
  background: #eef4f8;
  border: 1px solid var(--soft-border);
  border-radius: 8px;
  padding: 16px;
  margin-bottom: 18px;
}
.toc-panel a, .toc-side a {
  display: inline-block;
  margin: 4px 12px 4px 0;
}
.toc-side { position: sticky; top: 86px; }
.mobile-toc { display: none; }
.category-head {
  margin-bottom: 28px;
}
.category-card {
  margin-bottom: 24px;
  min-height: 240px;
}
.category-card h2 {
  font-size: 1.45rem;
}
.category-card.minimal {
  border-left: 4px solid var(--atlantic-blue);
  box-shadow: none;
}
.read-link { font-weight: 800; }
.broker-footer {
  background: #102d45;
}
.broker-footer h2 {
  font-size: 1.25rem;
  color: white;
}
.broker-footer a, .broker-footer p {
  color: rgba(255,255,255,.84);
}
.site-directory {
  border-top: 1px solid rgba(255,255,255,.12);
  margin-top: 22px;
  padding-top: 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 14px;
}
.site-directory a {
  color: rgba(255,255,255,.78);
  font-size: .9rem;
}
@media (max-width: 992px) {
  .broker-nav .brand-logo { font-size: 1.35rem; }
  .home-hero { min-height: 560px; }
  .article-main-image {
    float: none;
    max-width: 100%;
    margin: 0 0 18px;
  }
  .mobile-toc { display: block; }
}