:root {
  --navy: #102d4f;
  --navy-deep: #0a2039;
  --blue: #1b5c91;
  --sky: #e7f1f7;
  --ink: #203044;
  --muted: #5e6c7a;
  --line: #d7e0e7;
  --warm: #f6f8f9;
  --brand: #16009f;        /* exact ink colour of the official logo */
  --accent-warm: #e29b2b;  /* decorative notice rule only, never a focus ring */
  --focus: #16009f;        /* 13.7:1 on white */
  --focus-invert: #ffc247; /* 10.2:1 on navy */
  --radius: 6px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: #fff; font-family: Georgia, 'Times New Roman', serif; font-size: 18px; line-height: 1.6; }
img { max-width: 100%; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--navy-deep); }

/* WCAG 1.4.11 needs 3:1 for focus indicators. The previous amber ring was 2.34:1 on white. */
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 2px; }
.site-footer :focus-visible,
.mobile-actions :focus-visible,
.skip-link:focus-visible { outline-color: var(--focus-invert); }

/* Visually hidden but available to screen readers. Not display:none. */
.screen-reader-text { position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }
.screen-reader-text:focus { position: static; width: auto; height: auto; margin: 0; clip-path: none; }
/* Shared internal-page container. Every section on every page uses this, so
   page width is defined in exactly one place. */
.shell { width: min(1280px, calc(100% - 64px)); margin: auto; }
.skip-link { position: absolute; left: -999px; top: 10px; z-index: 10; padding: 10px 14px; color: #fff; background: var(--navy-deep); }
.skip-link:focus { left: 10px; }
#main:focus { outline: none; }
/* Sticky header would otherwise cover the top of a scrolled-to section. */
:target, .section, .page-intro, .hero { scroll-margin-top: 130px; }

.site-header { position: sticky; top: 0; /* positioning context for the mobile nav */ z-index: 5; border-bottom: 1px solid var(--line); background: #fff; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding: 14px 0; }
.brand { display: block; line-height: 0; }
/* Width-driven with height:auto keeps the supplied artwork proportional at every size. */
.agency-logo { display: block; width: 240px; height: auto; }

.site-nav { display: flex; align-items: center; font: 600 .85rem/1.2 Arial, sans-serif; }
.site-nav ul { display: flex; align-items: center; gap: 22px; margin: 0; padding: 0; list-style: none; }
@media (max-width: 1120px) { .site-nav { font-size: .8rem; } .site-nav ul { gap: 15px; } .agency-logo { width: 210px; } }
.site-nav a { color: var(--navy); text-decoration: none; }
.site-nav a:hover { text-decoration: underline; }
.site-nav a[aria-current='page'] { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 5px; }

/* ---- Grouped navigation (disclosure pattern, not hover) ---- */
.nav-group { position: relative; }
.nav-group-toggle { display: inline-flex; align-items: center; gap: 7px; min-height: 44px; padding: 0 2px; border: 0; color: var(--navy); background: none; font: inherit; cursor: pointer; }
.nav-group-toggle:hover { text-decoration: underline; }
.nav-group.has-current > .nav-group-toggle { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 5px; }
.nav-caret { width: 0; height: 0; border-inline: 4px solid transparent; border-top: 5px solid currentColor; transition: transform .12s ease; }
.nav-group-toggle[aria-expanded='true'] .nav-caret { transform: rotate(180deg); }
.site-nav .nav-panel { position: absolute; top: calc(100% + 10px); left: -14px; z-index: 7; display: flex; flex-direction: column; align-items: stretch; gap: 0; min-width: 232px; margin: 0; padding: 6px 0; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 14px 30px rgba(16,45,79,.14); list-style: none; text-align: left; }
.site-nav .nav-panel[hidden] { display: none; }
.nav-panel li + li { border-top: 1px solid var(--line); }
.nav-panel a { display: block; padding: 12px 16px; color: var(--navy); text-decoration: none; }
.nav-panel a:hover { background: var(--sky); text-decoration: underline; }
.nav-panel a[aria-current='page'] { background: var(--sky); }
@media (prefers-reduced-motion: reduce) { .nav-caret { transition: none; } }
.site-nav a.button[aria-current='page'] { text-decoration: none; background: var(--navy-deep); }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 10px 18px; border: 2px solid var(--navy); border-radius: var(--radius); color: #fff !important; background: var(--navy); font: 700 .85rem/1 Arial, sans-serif; text-decoration: none; cursor: pointer; }
.button:hover { color: #fff !important; background: var(--navy-deep); border-color: var(--navy-deep); }
.button-outline { color: var(--navy) !important; background: transparent; }
.button-outline:hover { color: #fff !important; background: var(--navy); }
.button-small { min-height: 44px; padding: 9px 16px; }
.menu-toggle { display: none; min-height: 44px; padding: 10px 14px; border: 1px solid var(--line); border-radius: var(--radius); color: var(--navy); background: none; font: 700 .85rem Arial, sans-serif; cursor: pointer; }

.hero, .page-intro { padding: 68px 0 56px; background: var(--sky); }
.hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 70px; align-items: center; }
.hero h1, .page-intro h1 { margin: 16px 0 24px; color: var(--navy); font-size: clamp(2.25rem, 5vw, 4.25rem); line-height: 1.03; letter-spacing: -.02em; }
.hero p, .page-intro p { max-width: 700px; font-size: 1.18rem; }
.eyebrow { color: var(--blue); font: 700 .78rem/1.2 Arial, sans-serif; letter-spacing: .13em; text-transform: uppercase; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.hero-note { padding: 28px; border-left: 5px solid var(--navy); background: #fff; box-shadow: 0 10px 30px rgba(16,45,79,.08); }
.hero-note h2, .side-note h2 { margin-top: 0; color: var(--navy); font-size: 1.35rem; }

.section { padding: 82px 0; }
.section-tint { background: var(--warm); }
.section h2 { color: var(--navy); font-size: clamp(1.8rem, 3vw, 2.65rem); line-height: 1.1; }
.section-lead { max-width: 720px; color: var(--muted); }
.cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 26px; margin-top: 36px; }
/* Homepage featured cards: compact spacing between the hero, the heading
   and the cards. Scoped to this section so other card grids keep theirs. */
.section-flush { padding-top: 56px; }
.section-flush > .shell > h2 { margin-top: 0; }
.section-flush .cards { margin-top: 24px; }

/* About page: two equal prose columns so the section fills the width. */
.about-split { display: grid; grid-template-columns: 1fr 1fr; gap: 28px 56px; }
.about-split h2 { margin-top: 0; font-size: clamp(1.45rem, 2.1vw, 1.85rem); }
.about-split p:last-child { margin-bottom: 0; }

/* A short sentence following a card grid. */
.follow-on { max-width: 760px; margin: 26px 0 0; }
/* Centred variant: for a follow-on line that stands on its own beneath a card
   grid rather than trailing a paragraph. Keeps the 760px measure from
   .follow-on and adds equal space above and below. */
.follow-on-centered { margin-block: 36px; margin-inline: auto; text-align: center; }

/* Customer service cards: matching heading scale and a little more room, so the
   three read as one set. Bottom notices already align via .cards .card rules. */
/* Numbered steps that carry a heading and a paragraph. */
.step h3 { margin: 6px 0 6px; color: var(--navy); font-size: 1.12rem; line-height: 1.25; }
.step p { margin: 0; }
@media (max-width: 800px) { .about-split { grid-template-columns: 1fr; gap: 8px; } }
.cards.three-col { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (min-width: 801px) and (max-width: 1100px) {
  .cards.three-col, .cards.coverage-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .process { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
/* Tablet: three 273px columns left tall gaps above the notices. Two wider
   columns with the third spanning the row reads better and wastes no space. */
@media (min-width: 801px) and (max-width: 1040px) {
  .cards.service-cards { grid-template-columns: repeat(2, 1fr); }
  .service-cards .card:last-child { grid-column: 1 / -1; }
}
.card { padding: 30px; border: 1px solid var(--line); background: #fff; }
.card h3 { margin-top: 0; color: var(--navy); }
.cards .card { display: flex; flex-direction: column; }
/* Photo cards: image sits flush at the top, text keeps the card's padding. */
.cards .card.card-photo { padding: 0; overflow: hidden; }
.card-image { margin: 0; line-height: 0; }
.card-image img { display: block; width: 100%; height: auto; aspect-ratio: 3 / 2; object-fit: cover; }
.card-body { display: flex; flex-direction: column; flex: 1; padding: 24px 28px 28px; }
.card-body > :last-child { margin-bottom: 0; }
.cards .card > :last-child { margin-bottom: 0; }
.cards .card > .notice:last-child { margin-top: auto; }

.service-cards .card { padding: 26px 24px; }
.service-cards .card h2 { margin: 0 0 12px; font-size: 1.32rem; line-height: 1.25; }
.service-cards .card ul { margin: 0; padding-left: 20px; }
.service-cards .card ul li { margin-bottom: 5px; }
.service-cards .card-copy > :last-child { margin-bottom: 0; }
/* Call and Text sit side by side and share the row width equally. */
.service-cards .card-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 18px 0; }
.service-cards .card-actions .button { width: 100%; min-height: 46px; padding: 10px 6px; font: 700 .78rem/1.1 Arial, sans-serif; text-align: center; }
.service-cards .card > .notice:last-child { margin: 0; }

/* Subgrid lets the button rows and the notices line up across all three cards
   even though the body copy differs in length. */
@supports (grid-template-rows: subgrid) {
  .service-cards .card { display: grid; grid-template-rows: subgrid; grid-row: span 4; }
  .service-cards .card h2 { margin: 0; }
  .service-cards .card-actions { margin: 0; align-self: end; }
}
/* Phones: one full-width button per row, comfortable tap targets. */
@media (max-width: 800px) {
  .service-cards .card-actions { grid-template-columns: 1fr; gap: 8px; }
  .service-cards .card-actions .button { min-height: 48px; font-size: .85rem; }
}
.card ul { margin: 0; padding-left: 20px; }
/* Content + supporting note. The note column is capped rather than given a
   fixed fraction, so a short note cannot claim a third of a tall section. */
.content-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(320px, 420px); gap: 48px; align-items: start; }
.side-note { position: sticky; top: 108px; height: max-content; padding: 28px; border-top: 4px solid var(--navy); background: var(--warm); }
.side-note ul { margin: 0; padding-left: 20px; }
.form-wrap h2 { margin-top: 0; color: var(--navy); font-size: 1.6rem; }

/* Left at 1fr rather than minmax(0,1fr): these steps sit in a narrow column on
   the homepage and must not shrink below their content width. */
.process { counter-reset: steps; display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 36px; }
.step { padding-top: 18px; border-top: 3px solid var(--blue); }
.step:before { display: block; color: var(--blue); font: 700 .8rem Arial, sans-serif; counter-increment: steps; content: '0' counter(steps); }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 18px; }
.field-full { grid-column: 1 / -1; }
label { color: var(--navy); font: 700 .85rem Arial, sans-serif; }
input, select, textarea { width: 100%; min-height: 48px; padding: 12px; border: 1px solid #6d7f8f; border-radius: var(--radius); color: var(--ink); background: #fff; font: inherit; }
textarea { min-height: 130px; resize: vertical; }
/* Visible invalid state once the visitor has actually interacted with a field. */
input:user-invalid, select:user-invalid, textarea:user-invalid { border-color: #a4262c; border-width: 2px; }
select:invalid { color: var(--muted); }
select option { color: var(--ink); }
.check { display: flex; gap: 10px; align-items: flex-start; color: var(--ink); font: inherit; }
.check input { width: auto; min-height: 0; margin-top: 7px; }
.notice { margin: 22px 0; padding: 15px 18px; border-left: 4px solid var(--accent-warm); background: #fff8e9; color: var(--ink); }
span.notice { display: inline-block; margin: 12px 0 0; font: 700 .78rem Arial, sans-serif; }
.disabled, [disabled] { opacity: .65; cursor: not-allowed; }
#form-status:not(:empty) { margin-top: 16px; padding: 12px 16px; border-left: 4px solid var(--navy); background: var(--sky); font-weight: 700; }

/* ---- Breadcrumbs, trade directory, FAQs ---- */
.breadcrumbs { margin-bottom: 18px; font: 600 .82rem/1.4 Arial, sans-serif; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 8px; margin: 0; padding: 0; list-style: none; }
.breadcrumbs li + li:before { margin-right: 8px; color: var(--muted); content: '/'; }
.breadcrumbs a { color: var(--blue); }
.breadcrumbs [aria-current='page'] { color: var(--muted); }
.page-intro .lead { max-width: 760px; font-size: 1.18rem; }

.trade-grid { margin-top: 32px; }
.trade-card h3 { margin: 0 0 10px; font-size: 1.15rem; line-height: 1.25; }
.trade-card h3 a { color: var(--navy); text-decoration: none; }
.trade-card h3 a:hover, .trade-card h3 a:focus-visible { text-decoration: underline; }
.trade-card p { margin: 0; color: var(--muted); font-size: .98rem; }

/* Full-width prose sections keep the shared container width for headings and
   rules, but cap the text measure. 1280px of 18px Georgia is ~140 characters
   a line, which is what made these pages read as walls of text. */
.shell.content > p, .shell.content > ul, .shell.content > ol,
.shell.content > .faq > p, .shell.content > .notice { max-width: 78ch; }
.content h3 { margin-bottom: 6px; color: var(--navy); font-size: 1.22rem; }
.content ul { padding-left: 22px; }
.content ul li { margin-bottom: 6px; }
/* Compact checklist: four across on wide screens, two on tablet, one on phone. */
.checklist { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 10px 28px; margin: 20px 0 0; padding: 0; list-style: none; }
.checklist li { position: relative; margin: 0; padding-left: 26px; }
.checklist li:before { position: absolute; left: 0; top: 0; color: var(--blue); font-weight: 700; content: '\2713'; }
@media (max-width: 1040px) { .checklist { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .checklist { grid-template-columns: 1fr; } }
.faq { padding: 18px 0; border-top: 1px solid var(--line); }
.faq h3 { margin: 0 0 8px; font-size: 1.15rem; }
.faq p { margin: 0; }
.stack { display: flex; flex-direction: column; gap: 10px; margin: 18px 0 0; }
.stack .button { width: 100%; }
.back-link { margin-top: 26px; font-weight: 700; }
.service-note { margin-top: 22px; color: var(--muted); }
/* Emergency notice on the Customer Service claims card. */
.alert { margin: 0 0 14px; padding: 14px 16px; border-left: 5px solid #a4262c; background: #fdf3f3; color: #5c1418; }

/* Service-area list: readable columns rather than one long stack. */
/* A single wide card that fills the container instead of a tall narrow block. */
.office-card { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px 48px; }
.office-card p { margin: 0; }
@media (max-width: 700px) { .office-card { grid-template-columns: 1fr; } }
.community-list { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0 28px; margin: 22px 0 16px; padding: 0; list-style: none; }
.community-list li { break-inside: avoid; padding: 7px 0 7px 18px; border-bottom: 1px solid var(--line); position: relative; }
.community-list li:before { position: absolute; left: 0; color: var(--blue); content: '\203A'; font-weight: 700; }
.community-closing { color: var(--muted); font-style: italic; }
@media (max-width: 1100px) { .community-list { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (max-width: 800px) { .community-list { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .community-list { grid-template-columns: 1fr; } }

/* Image slot awaiting an approved photograph. Deliberately plain and labelled. */
.image-placeholder { width: min(1280px, calc(100% - 64px)); margin-inline: auto; display: flex; flex-direction: column; justify-content: center; align-items: center; gap: 8px; min-height: 190px; margin: 0; padding: 32px 24px; border: 2px dashed #9fb2c4; background: repeating-linear-gradient(45deg, #f4f7fa, #f4f7fa 12px, #eef3f8 12px, #eef3f8 24px); text-align: center; }
.image-placeholder-label { margin: 0; color: var(--navy); font: 700 .82rem/1.3 Arial, sans-serif; letter-spacing: .06em; text-transform: uppercase; }
.image-placeholder-note { max-width: 60ch; margin: 0; color: var(--muted); font-size: .95rem; }
.page-image { width: min(1280px, calc(100% - 64px)); margin: 0 auto; }
.page-image img { display: block; width: 100%; height: auto; border-radius: var(--radius); }
.page-image picture { display: block; }
@media (max-width: 800px) { .page-image { width: min(100% - 32px, 620px); } }

.site-footer { padding: 50px 0 24px; color: #eaf2f7; background: var(--navy-deep); font-size: .95rem; }
.site-footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 32px; }
/* The logo is a dark indigo, so it is placed on its own white panel rather than recoloured. */
.footer-logo { display: inline-block; margin: 0 0 14px; padding: 12px 16px; background: #fff; border-radius: var(--radius); line-height: 0; }
.footer-logo img { display: block; width: 210px; height: auto; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 30px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.22); color: #c5d3df; font: .78rem Arial, sans-serif; }
.mobile-actions { display: none; }

@media (max-width: 800px) {
  .shell, .page-image, .image-placeholder { width: calc(100% - 44px); }
  .header-inner { padding: 10px 0; gap: 12px; }
  .agency-logo { width: 176px; }
  :target, .section, .page-intro, .hero { scroll-margin-top: 96px; }
  .menu-toggle { display: block; }
  .site-nav { position: absolute; top: 100%; right: 0; left: 0; display: none; padding: 8px 16px 16px; border-bottom: 1px solid var(--line); background: #fff; box-shadow: 0 12px 20px rgba(16,45,79,.10); }
  .site-nav.open { display: block; }
  .site-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .site-nav li + li { border-top: 1px solid var(--line); }
  .site-nav li a:not(.button) { display: block; padding: 14px 0; }
  .nav-group-toggle { justify-content: space-between; width: 100%; padding: 14px 0; text-align: left; }
  .site-nav .nav-panel { position: static; min-width: 0; margin: 0 0 12px; padding: 0 0 0 14px; border: 0; border-left: 3px solid var(--line); border-radius: 0; box-shadow: none; }
  .nav-panel a { padding: 12px 0; }
  .nav-panel a:hover { background: none; }
  .site-nav .button { margin-top: 14px; text-align: center; }
  .hero, .page-intro { padding: 55px 0 42px; }
  .hero-grid, .content-grid, .cards, .cards.three-col, .process { grid-template-columns: minmax(0, 1fr); gap: 26px; }
  .side-note { position: static; top: auto; }
  .shell.content > p, .shell.content > ul, .shell.content > ol,
  .shell.content > .faq > p, .shell.content > .notice { max-width: none; }
  .hero h1, .page-intro h1 { font-size: 2.45rem; }
  .section { padding: 56px 0; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-logo img { width: 190px; }
  .footer-bottom { display: block; }
  .footer-bottom span { display: block; margin-top: 8px; }
  .site-footer { padding-bottom: 88px; }
  .mobile-actions { position: fixed; right: 0; bottom: 0; left: 0; z-index: 6; display: grid; grid-template-columns: repeat(3, 1fr); background: var(--navy-deep); }
  .mobile-actions a { display: flex; align-items: center; justify-content: center; min-height: 52px; padding: 12px 8px; border-right: 1px solid rgba(255,255,255,.25); color: #fff; text-align: center; text-decoration: none; font: 700 .82rem Arial, sans-serif; }
  .mobile-actions a:last-child { border-right: 0; }
}

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }