:root {
  --ink: #111;
  --muted: #555;
  --bg: #f4f4f4;
  --paper: #fff;
  --accent: #c9a227;
  --banner: #111;
  --link: #0b3d91;
  --max: 1120px;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.5;
}
a { color: var(--link); text-decoration: none; }
a:hover { text-decoration: underline; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 16px; }
.banner {
  background: var(--banner);
  color: #fff;
  text-align: center;
  font-weight: 700;
  letter-spacing: .04em;
  font-size: 14px;
}
.banner a { display: block; color: var(--accent); padding: 10px 12px; text-decoration: none; }
.banner a:hover { color: #fff; }
.addr-bar { background: #222; color: #ddd; font-size: 13px; text-align: center; padding: 6px 12px; }
.site-header { background: #fff; border-bottom: 1px solid #ddd; }
.brand-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 12px 16px; flex-wrap: wrap; }
.logo { display: flex; align-items: center; gap: 10px; color: inherit; font-weight: 800; letter-spacing: .02em; }
.logo img { height: 56px; width: auto; display: block; }
nav.main { display: flex; flex-wrap: wrap; gap: 10px 16px; align-items: center; }
nav.main a { color: #222; font-size: 13px; font-weight: 700; text-transform: uppercase; }
nav.main a.active, nav.main a:hover { color: var(--link); text-decoration: none; border-bottom: 2px solid var(--accent); }
.pay { background: #0b3d91; color: #fff !important; padding: 6px 10px; border-radius: 3px; }
.apply { background: var(--accent); color: #111 !important; padding: 6px 10px; border-radius: 3px; }
main { background: var(--paper); }
.hero { position: relative; }
.hero img { width: 100%; max-height: 520px; object-fit: cover; display: block; }
.hero .overlay {
  position: absolute; inset: auto 0 0 0; background: linear-gradient(transparent, rgba(0,0,0,.75));
  color: #fff; padding: 28px 16px 32px;
}
.hero h1 { margin: 0 0 8px; font-size: 32px; }
.hero p { margin: 0 0 12px; }
.cta { display: inline-block; background: var(--accent); color: #111; font-weight: 800; padding: 10px 16px; border-radius: 3px; }
.cta:hover { text-decoration: none; filter: brightness(1.05); }
.claims { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 12px; padding: 28px 0; }
.claim { background: #111; color: #fff; padding: 16px; border-left: 4px solid var(--accent); }
.claim h3 { margin: 0 0 6px; font-size: 15px; }
.claim p { margin: 0; font-size: 13px; color: #ddd; }
.page { padding: 28px 0 48px; }
h1 { font-size: 30px; margin: 0 0 10px; }
h2 { font-size: 22px; }
h3 { font-size: 18px; }
h4 { margin: 0 0 8px; }
.sub { color: var(--muted); margin: 0 0 18px; }
.grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 16px; }
.card { background: #fff; border: 1px solid #e2e2e2; display: block; color: inherit; }
.card:hover { text-decoration: none; box-shadow: 0 4px 14px rgba(0,0,0,.08); }
.card img { width: 100%; height: 150px; object-fit: cover; display: block; background: #eee; }
.card .meta { padding: 10px 12px 14px; }
.card h4 { margin: 0 0 4px; font-size: 14px; }
.card .yr, .card .col { font-size: 13px; color: #444; }
.icons { display: flex; flex-wrap: wrap; gap: 18px; justify-content: center; padding: 18px 0 8px; }
.icons figure { margin: 0; text-align: center; width: 110px; }
.icons img { height: 72px; width: auto; display: block; margin: 0 auto; }
.icons figcaption { font-size: 12px; color: #444; margin-top: 6px; }
.gallery { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 10px; }
.gallery img { width: 100%; height: 130px; object-fit: cover; display: block; background: #eee; }
.counter { text-align: center; color: #666; margin: 10px 0 0; }
form.simple { max-width: 560px; display: grid; gap: 10px; }
label { font-size: 13px; font-weight: 700; }
input, select, textarea {
  width: 100%; padding: 9px 10px; border: 1px solid #ccc; font: inherit;
}
button, .btn {
  background: #111; color: #fff; border: 0; padding: 10px 16px; font-weight: 700; cursor: pointer;
}
.legal { font-size: 14px; }
.legal h2 { margin-top: 28px; font-size: 18px; }
.legal p, .legal li { color: #333; }
.pdf-frame { width: 100%; height: 80vh; border: 1px solid #ccc; background: #eee; }
.site-footer { background: #111; color: #ccc; padding: 28px 0 18px; font-size: 13px; }
.site-footer a { color: #eee; margin-right: 12px; }
.site-footer .biz { color: #fff; font-weight: 700; }
.cookie {
  position: fixed; left: 16px; right: 16px; bottom: 16px; background: #fff; border: 1px solid #ccc;
  box-shadow: 0 8px 24px rgba(0,0,0,.18); padding: 14px 16px; max-width: 420px; z-index: 50;
}
.cookie[hidden] { display: none; }
.video-wrap { position: relative; padding-top: 56.25%; background: #000; }
.video-wrap iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
@media (max-width: 720px) {
  .hero h1 { font-size: 24px; }
  nav.main { font-size: 12px; }
}
.addr-line { background:#222; color:#ddd; font-size:13px; text-align:center; padding:6px 12px; }
.brand { display:flex; align-items:center; gap:10px; color:inherit; font-weight:800; }
.brand img { height:56px; width:auto; display:block; }
.policy { padding: 8px 0 32px; }

/* unpublished extras — first screen, price block */
.first-screen { background:#111; color:#fff; padding:40px 0 36px; }
.first-screen h1 { color:#fff; margin:0 0 12px; font-size:30px; }
.first-screen p { margin:0 0 10px; max-width:40rem; color:#eee; font-size:18px; }
.first-screen .yard { color:#ccc; }
.cta-row { display:flex; flex-wrap:wrap; gap:12px; margin:16px 0 0; }
.price-block {
  background:#fff8e6;
  border-left:4px solid var(--accent);
  padding:18px 20px;
  margin:22px 0;
  font-size:18px;
  line-height:1.55;
  font-weight:700;
}
.price-block ol { margin:0; padding-left:1.3em; font-size:18px; }
.price-block li { margin:8px 0; font-size:18px; font-weight:700; }
.price-block .price-amt { font-size:18px; font-weight:800; }
.listing { font-size:16px; font-weight:700; margin:6px 0 0; }
.photo-row figure { padding-bottom:10px; }
.photo-row figcaption { padding:8px 10px 0; font-size:16px; font-weight:700; }
.thin { padding:28px 0 48px; }
.card .listing { font-size:15px; font-weight:700; color:#111; }
iframe.apply { width:100%; min-height:720px; border:0; background:#fff; }
@media (max-width:720px) {
  .first-screen { padding:28px 0 24px; }
  .first-screen h1 { font-size:24px; }
  .logo { font-size:16px; line-height:1.25; }
}