:root {
  --navy: #12294b;
  --navy-dark: #0b1c33;
  --gold: #b8860b;
  --gold-light: #d4a017;
  --bg: #f7f8fa;
  --text: #1c2530;
  --muted: #545f6d;
  --border: #dde2e8;
  --white: #ffffff;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.55;
}

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

.site-header {
  background: var(--navy);
  color: var(--white);
  padding: 28px 20px;
  text-align: center;
}

.site-header .agency-name {
  font-size: 1.7rem;
  font-weight: 700;
  margin: 0;
}

.site-header .agency-tagline {
  font-size: 1.05rem;
  color: #dfe6ef;
  margin: 6px 0 0;
}

.site-header .gold-rule {
  width: 60px;
  height: 3px;
  background: var(--gold-light);
  margin: 14px auto 0;
  border: none;
}

main {
  max-width: 720px;
  margin: 0 auto;
  padding: 32px 20px 60px;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 24px 26px;
  margin-bottom: 22px;
}

.card h2 {
  margin-top: 0;
  font-size: 1.2rem;
  color: var(--navy);
}

.lines-of-business {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  padding: 0;
  margin: 12px 0 0;
  list-style: none;
}

.lines-of-business li {
  background: #eef2f7;
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 6px 14px;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--navy);
}

.contact-grid {
  display: grid;
  gap: 8px;
  margin-top: 10px;
  font-size: 0.98rem;
}

.contact-grid strong { color: var(--navy); }

form label.field-label {
  display: block;
  font-weight: 600;
  margin: 14px 0 6px;
  font-size: 0.94rem;
}

form input[type="text"],
form input[type="tel"],
form input[type="email"] {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 1rem;
  font-family: inherit;
}

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

@media (max-width: 480px) {
  .field-row { grid-template-columns: 1fr; }
}

.consent-block {
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 14px 16px;
  margin-top: 18px;
  background: #fbfbfc;
}

.consent-block + .consent-block {
  margin-top: 12px;
}

.consent-block label {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.96rem;
  cursor: pointer;
}

.consent-block input[type="checkbox"] {
  margin-top: 3px;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.consent-fineprint {
  font-size: 0.82rem;
  color: var(--muted);
  margin: 8px 0 0 28px;
}

.legal-statements {
  margin-top: 18px;
  padding: 14px 16px;
  background: #eef2f7;
  border-radius: 8px;
  font-size: 0.9rem;
  color: var(--text);
}

.legal-statements p { margin: 6px 0; }

.submit-btn {
  margin-top: 20px;
  width: 100%;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 6px;
  padding: 13px 18px;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
}

.submit-btn:hover { background: var(--navy-dark); }

.footer-links {
  text-align: center;
  padding: 24px 20px 40px;
  color: var(--muted);
  font-size: 0.88rem;
}

.footer-links a {
  color: var(--navy);
  font-weight: 600;
  text-decoration: none;
}

.footer-links a:hover { text-decoration: underline; }

.footer-links .sep { margin: 0 10px; color: var(--border); }

.legal-page main h1 {
  color: var(--navy);
  font-size: 1.6rem;
}

.legal-page main h2 {
  color: var(--navy);
  font-size: 1.15rem;
  margin-top: 28px;
}

.legal-page main p, .legal-page main li {
  font-size: 0.98rem;
  color: var(--text);
}

.updated-date {
  color: var(--muted);
  font-size: 0.88rem;
  margin-bottom: 24px;
}