/* Cornerstone Family Protection – brand palette from Jerome's brand sheet
   Navy #0B2D4D · Gold #B8872C · Stone #E6D7BF · Off White #F9F8F4
   Contrast notes (WCAG AA): navy text on gold buttons = 4.37:1, used only for bold ≥19px text (AA large).
   Gold-colored text uses darker gold #7A5818 (6.1:1 on off-white, 4.6:1 on stone). */
:root{
  --navy:#0B2D4D; --navy-deep:#071F36; --gold:#B8872C; --gold-light:#C9A04A; --gold-text:#7A5818; --gold-on-navy:#D8B26A;
  --stone:#E6D7BF; --offwhite:#F9F8F4; --white:#fff;
  --ink:#16222E; --muted:#3A4A5C; --line:#D9CBB2;
  --serif-display:"Cinzel","Trajan Pro",Georgia,serif;
  --sans:"Lato","Helvetica Neue",Arial,sans-serif;
  --sans-caps:"Montserrat","Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{font-size:20px}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--offwhite);line-height:1.65}
h1,h2,h3{font-family:var(--serif-display);color:var(--navy);line-height:1.25;margin:0 0 .6em;font-weight:700}
h1{font-size:2.3rem;letter-spacing:.01em} h2{font-size:1.75rem} h3{font-size:1.15rem}
p{margin:0 0 1em}
a{color:var(--navy)}
.wrap{max-width:1080px;margin:0 auto;padding:0 28px}

/* header (navy bar) */
header.site{background:var(--navy);border-bottom:4px solid var(--gold)}
header.site .wrap{padding-right:90px;display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:16px;text-decoration:none}
.brand img{height:68px;width:auto}
.brand .name{display:block;font-family:var(--serif-display);font-weight:700;font-size:1.3rem;line-height:1.15;color:var(--offwhite);letter-spacing:.02em}
.brand .sub{display:block;font-family:var(--sans-caps);font-weight:500;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--stone);margin-top:4px}

/* buttons: brand gold with navy bold text */
.btn{display:inline-block;background:var(--gold);color:var(--navy);text-decoration:none;font:700 1.05rem/1.2 var(--sans);
  padding:18px 30px;border-radius:10px;border:2px solid var(--gold);min-height:56px;letter-spacing:.01em}
.btn:hover,.btn:focus{background:var(--gold-light);border-color:var(--gold-light)}
.btn:focus-visible{outline:3px solid var(--navy);outline-offset:3px}
header .btn:focus-visible{outline-color:var(--offwhite)}
.btn.small{padding:12px 20px;font-size:1rem;min-height:0}
.btn[disabled]{opacity:.6;cursor:not-allowed}

/* hero */
.hero{background:linear-gradient(180deg,var(--stone) 0%,var(--offwhite) 100%);padding:60px 0 56px}
.hero .wrap{display:grid;grid-template-columns:1.25fr 1fr;gap:40px;align-items:center}
.eyebrow{font:600 .85rem/1.3 var(--sans-caps);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-text);margin-bottom:14px}
.hero h1{margin-bottom:.35em}
.hero .agentline{font:600 1rem/1.4 var(--sans-caps);letter-spacing:.06em;color:var(--navy);margin-bottom:.4em}
.hero .tagline{font:italic 1.2rem/1.4 Georgia,"Times New Roman",serif;color:var(--gold-text);margin-bottom:1em}
.hero .lead{font-size:1.2rem;color:var(--muted);max-width:32em}
.hero .callnote{font-size:.9rem;color:var(--muted);margin-top:12px}
.hero-logo{text-align:center}
.hero-logo img{max-width:100%;width:400px;height:auto}

section{padding:64px 0;border-bottom:1px solid var(--line)}
section.alt{background:var(--white)}
h2::after{content:"";display:block;width:64px;height:3px;background:var(--gold);margin-top:.35em}

/* about */
.about{display:grid;grid-template-columns:280px 1fr;gap:40px;align-items:start}
.portrait{width:280px;height:280px;object-fit:cover;object-position:center;border-radius:50%;
  border:3px solid var(--gold);display:block;background:var(--stone)}
.tag{display:inline-block;font:700 .75rem/1 Arial,sans-serif;letter-spacing:.05em;text-transform:uppercase;padding:6px 10px;border-radius:999px;margin-bottom:10px}
.license{margin-top:22px;background:var(--offwhite);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:10px;padding:18px 22px}
.license ul{margin:0;padding-left:1.1em}
.license li{margin:.25em 0}

/* explainer */
.points{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:24px}
.card{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:12px;padding:22px}
section.alt .card{background:var(--offwhite)}
.card h3{margin-bottom:.4em}
.card p{margin:0}

/* steps */
.steps{list-style:none;margin:24px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps li{background:var(--offwhite);border:1px solid var(--line);border-radius:12px;padding:24px}
.steps .num{display:inline-flex;width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--offwhite);font:700 1.35rem/1 var(--serif-display);
  align-items:center;justify-content:center;margin-bottom:12px;border:3px solid var(--gold)}

/* contact */
.contact{display:grid;grid-template-columns:1fr 1.3fr;gap:40px;align-items:start}
.contact > *{min-width:0}
.contact-list{list-style:none;padding:0;margin:0 0 20px}
.contact-list li{margin:.5em 0;font-size:1.1rem;overflow-wrap:break-word}
.contact-list a[href^="mailto:"]{display:block;margin-top:.15em}
form.callback{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:12px;padding:26px}
form.callback .opt{font-size:.9rem;color:var(--muted);margin-bottom:16px}
label{display:block;font:700 1rem/1.3 var(--sans);margin:0 0 6px;color:var(--ink)}
input[type=text],input[type=tel],input[type=email],select,textarea{width:100%;font-size:1.05rem;padding:14px;border:2px solid #7d8794;border-radius:8px;
  margin-bottom:18px;background:#fff;color:var(--ink);font-family:var(--sans)}
input:focus,select:focus,textarea:focus{outline:3px solid var(--gold);border-color:var(--navy)}
textarea{min-height:110px;resize:vertical}
.consent{border:2px solid #b3261e;border-radius:10px;padding:16px;margin:6px 0 20px;background:#fffafa}
.consent .row{display:flex;gap:14px;align-items:flex-start}
.consent input[type=checkbox]{width:28px;height:28px;flex:0 0 28px;margin-top:4px;accent-color:var(--navy)}
.consent label{font:400 .92rem/1.5 var(--sans);margin:0}
.consent .note{font-size:.8rem;color:var(--muted);margin:10px 0 0}
.form-note{font-size:.85rem;color:var(--muted);margin-top:10px;overflow-wrap:break-word}

/* footer (navy bar) */
footer{background:var(--navy);color:var(--offwhite);padding:40px 0;font:400 .9rem/1.6 var(--sans);border-top:4px solid var(--gold)}
footer .foot-brand{display:flex;align-items:center;gap:12px;margin-bottom:10px}
footer .foot-brand img{height:44px;width:auto}
footer .foot-brand span{font-family:var(--serif-display);font-weight:700;font-size:1.05rem;letter-spacing:.02em}
footer a{color:var(--gold-on-navy)}
footer .wrap > p{margin:.3em 0}
footer .disclaimer{margin-top:14px;padding-top:14px;border-top:1px solid rgba(230,215,191,.35);font-weight:700}

/* privacy page */
.doc{max-width:760px;margin:0 auto;padding:48px 28px}

@media (max-width:820px){
  html{font-size:18px}
  h1{font-size:1.8rem} h2{font-size:1.45rem}
  .wrap{padding:0 20px}
  .hero{padding:36px 0 40px}
  .hero .wrap,.about,.contact{grid-template-columns:1fr}
  .hero-logo{order:-1}
  .hero-logo img{width:240px}
  .points,.steps{grid-template-columns:1fr}
  .contact-list li{font-size:1rem}
  .photo-ph{width:100%;max-width:280px;height:280px;margin:0 auto}
  .portrait{width:220px;height:220px;margin:0 auto}
  .btn{display:block;text-align:center;width:100%}
  .btn.small{display:inline-block;width:auto}
  .brand{gap:12px}
  .brand img{height:54px}
  .brand .name{font-size:1.05rem}
  .brand .sub{font-size:.72rem;letter-spacing:.06em;line-height:1.3}
  .btn.header-call{display:none}
  header.site .wrap{padding-right:20px}
  section{padding:44px 0}
}

/* digital business card (/card) — all rules scoped to body.card-page */
body.card-page{
  background:var(--navy);
  min-height:100vh;
  color:var(--ink);
}
body.card-page .card-stage{
  padding:28px 16px 48px;
  display:flex;
  flex-direction:column;
  align-items:center;
}
body.card-page .bizcard{
  width:100%;
  max-width:420px;
  background:var(--offwhite);
  border-radius:18px;
  border-top:6px solid var(--gold);
  box-shadow:0 12px 40px rgba(0,0,0,.28);
  padding:28px 24px 32px;
  text-align:center;
}
body.card-page .brand-secondary{
  display:flex;
  flex-direction:column;
  align-items:center;
  gap:8px;
  margin:0 0 18px;
  text-decoration:none;
  color:var(--navy);
}
body.card-page .brand-secondary img{
  height:56px;
  width:auto;
  display:block;
}
body.card-page .brand-secondary .wordmark{
  font:600 .62rem/1.3 var(--sans-caps);
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--navy);
}
body.card-page .avatar{
  width:168px;height:168px;object-fit:cover;object-position:center;border-radius:50%;
  border:3px solid var(--gold);display:block;margin:0 auto 18px;background:var(--stone);
}
body.card-page h1{
  font-size:1.7rem;
  letter-spacing:.02em;
  margin:0 0 .2em;
  line-height:1.15;
}
body.card-page .title{
  font:600 .78rem/1.4 var(--sans-caps);
  letter-spacing:.12em;
  text-transform:uppercase;
  color:var(--navy);
  margin:0 0 14px;
}
body.card-page .title::after{
  content:"";
  display:block;
  width:48px;
  height:3px;
  background:var(--gold);
  margin:12px auto 0;
}
body.card-page .tagline{
  font:italic 1.05rem/1.4 Georgia,"Times New Roman",serif;
  color:var(--gold-text);
  margin:0 0 16px;
}
body.card-page .licenses{
  background:var(--stone);
  border:1px solid var(--line);
  border-top:4px solid var(--gold);
  border-radius:10px;
  padding:10px 14px;
  margin:0 0 18px;
  font:400 .88rem/1.55 var(--sans);
  color:var(--ink);
}
body.card-page .licenses p{margin:0}
body.card-page .contact-rows{
  list-style:none;
  margin:0 0 18px;
  padding:0;
  text-align:left;
}
body.card-page .contact-rows li{
  display:flex;
  align-items:flex-start;
  gap:10px;
  margin:0 0 10px;
  font-size:1rem;
  line-height:1.4;
}
body.card-page .contact-rows .ico{
  flex:0 0 24px;
  width:24px;
  height:24px;
  color:var(--navy);
  margin-top:2px;
}
body.card-page .contact-rows a{
  color:var(--navy);
  text-decoration:none;
  font-weight:700;
  overflow-wrap:break-word;
}
body.card-page .contact-rows a:hover,body.card-page .contact-rows a:focus{text-decoration:underline}
body.card-page .actions{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px;
  margin:0 0 16px;
}
body.card-page .actions .btn{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  width:100%;
  margin:0;
  padding:14px 10px;
  font-size:.95rem;
  min-height:52px;
  text-align:center;
}
body.card-page .actions .btn .ico{
  width:20px;
  height:20px;
  flex:0 0 20px;
}
body.card-page .actions .btn.navy{
  background:var(--navy);
  color:var(--offwhite);
  border-color:var(--navy);
}
body.card-page .actions .btn.navy:hover,
body.card-page .actions .btn.navy:focus{background:var(--navy-deep);border-color:var(--navy-deep)}
body.card-page .web-link{
  display:inline-block;
  margin:0 0 22px;
  font:600 .85rem/1.4 var(--sans-caps);
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--navy);
  text-decoration:none;
  border-bottom:2px solid var(--gold);
  padding-bottom:2px;
}
body.card-page .web-link:hover,body.card-page .web-link:focus{color:var(--gold-text)}
body.card-page .qr-block{
  margin:0 auto;
  max-width:none;
}
body.card-page .qr-block img,
body.card-page .qr-block svg{
  display:block;
  width:180px;
  height:180px;
  margin:0 auto;
  border:1px solid var(--line);
  border-radius:8px;
  background:var(--offwhite);
}
body.card-page .qr-caption{
  margin:10px 0 0;
  font:600 .72rem/1.4 var(--sans-caps);
  letter-spacing:.1em;
  text-transform:uppercase;
  color:var(--gold-text);
  white-space:nowrap;
}
body.card-page footer.card-foot{
  max-width:420px;
  width:100%;
  margin:18px auto 0;
  text-align:center;
  color:var(--stone);
  font:400 .8rem/1.5 var(--sans);
  background:transparent;
  border:0;
  padding:4px 8px 0;
}
body.card-page .card-foot p{margin:0}
body.card-page .card-foot .name{
  font-family:var(--serif-display);
  font-weight:700;
  color:var(--offwhite);
  letter-spacing:.02em;
}

@media (max-width:820px){
  body.card-page .card-stage{padding:16px 16px 36px}
  body.card-page .bizcard{padding:24px 18px 28px}
  body.card-page h1{font-size:1.55rem}
  body.card-page .avatar{width:156px;height:156px}
  body.card-page .actions .btn{width:100%;display:flex}
}
@media (min-width:821px){
  body.card-page .card-stage{padding:40px 24px 64px}
  body.card-page .bizcard{max-width:500px;padding:32px 32px 36px}
  body.card-page h1{font-size:1.85rem}
  body.card-page footer.card-foot{max-width:500px}
}

/* live extras */
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:0 0 8px}
.hero-actions .btn{margin:0}
.brand-secondary-line{font:600 .85rem/1.35 var(--sans-caps);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin:0 0 .7em}
.contact-actions{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 18px}
.contact-actions .btn{margin:0}

form.callback, .consent label, .sms-disclosure, .form-notice, .license-limit,
.contact-list, .contact-list a, footer, footer .disclaimer{
  overflow-wrap:break-word
}
form.callback, .form-col{max-width:100%;min-width:0}
.consent.separate{border-color:var(--navy);background:var(--offwhite)}
.req{font-weight:400;color:var(--muted);font-size:.85em}
.thanks-main{padding:72px 0 80px;min-height:50vh}
.thanks-main h1{margin-bottom:.45em}
.thanks-main .lead{font-size:1.15rem;color:var(--muted);max-width:36em}
.thanks-actions{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 8px}
.thanks-actions .btn{margin:0}
.doc h2{font-size:1.2rem;margin-top:1.6em}
.doc .effective{color:var(--muted);margin:0 0 1.4em}
.doc ul{margin:0 0 1em;padding-left:1.2em}
.doc li{margin:.3em 0}
/* v2: name-first hero, pending-name line, form notices, legal pages */
.hero.solo .wrap{display:block}
.hero.solo .wrap > div{max-width:38em}
.brand-pending-line{font:400 .95rem/1.45 var(--sans);color:var(--gold-text);margin:.1em 0 .75em;max-width:36em}
.form-notice{font:700 1.02rem/1.45 var(--sans);color:var(--navy);margin:0 0 12px}
.license-limit{font-size:.95rem;color:var(--muted);margin:0 0 16px}
.sms-disclosure{font-size:.85rem;line-height:1.55;color:var(--ink);margin:8px 0 16px}
.sms-disclosure a,.consent label a,.card-legal a{color:var(--navy);text-decoration:underline}
.consent, .consent .row{min-width:0}
.consent .row{align-items:flex-start}
.consent input[type=checkbox]{width:32px;height:32px;flex:0 0 32px;margin-top:2px}
.consent label{flex:1;min-width:0;overflow-wrap:break-word}
footer .disclaimer{font-weight:400;line-height:1.55}
body.card-page .brand-pending-line{margin:0 0 12px;font-size:.82rem;text-align:center;max-width:none}
body.card-page .card-legal{margin-top:8px}
body.card-page .card-legal a{color:var(--stone)}
.doc .sms-disclosure{margin:0 0 1.4em}

@media (max-width:820px){
  .hero-actions .btn,.contact-actions .btn,.thanks-actions .btn{width:100%;display:flex;justify-content:center;align-items:center}
  .hero .brand-secondary-line{display:none} /* stacked logo already shows the brand on small screens */
}