@font-face {
  font-family: "Poppins";
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("fonts/poppins-400.woff2") format("woff2");
}

@font-face {
  font-family: "Poppins";
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("fonts/poppins-500.woff2") format("woff2");
}

@font-face {
  font-family: "Poppins";
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("fonts/poppins-600.woff2") format("woff2");
}

@font-face {
  font-family: "Poppins";
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url("fonts/poppins-700.woff2") format("woff2");
}

:root {
  --font-poppins: "Poppins";
  --navy: #1e3e61;
  --navy-deep: #112f50;
  --gold: #af9075;
  --gold-light: #d8c2af;
  --cream: #f8f5f0;
  --paper: #fcfbf8;
  --white: #ffffff;
  --ink: #233447;
  --text: #5d6670;
  --line: #e1d9d1;
  --shadow: 0 28px 70px rgba(17, 47, 80, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 110px;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-poppins), Arial, sans-serif;
  -webkit-font-smoothing: antialiased;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1,
h2,
h3 {
  color: var(--navy);
}

a:focus-visible {
  outline: 3px solid #ffffff;
  outline-offset: 0;
  box-shadow: 0 0 0 6px var(--navy);
  border-radius: 2px;
}

.site-page {
  overflow: hidden;
  overflow: clip;
}

.shell {
  width: min(1200px, calc(100% - 64px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  border-top: 6px solid var(--navy);
  border-bottom: 1px solid rgba(225, 217, 209, 0.88);
  background: rgba(252, 251, 248, 0.96);
  backdrop-filter: blur(14px);
  box-shadow: 0 6px 18px rgba(30, 62, 97, 0.07);
}

.header-inner {
  display: flex;
  min-height: 94px;
  align-items: center;
  gap: 34px;
}

.personal-brand {
  display: flex;
  min-width: 212px;
  flex-direction: column;
  gap: 5px;
}

.personal-name {
  color: var(--navy);
  font-size: 1.55rem;
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1;
}

.personal-role {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--text);
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.personal-role i {
  width: 1px;
  height: 11px;
  background: var(--gold);
}

.primary-nav {
  display: flex;
  flex: 1;
  align-items: center;
  justify-content: flex-end;
  gap: 25px;
}

.primary-nav a,
.header-call {
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color 160ms ease;
}

.primary-nav a:hover,
.header-call:hover,
.text-link:hover,
.contact-email:hover,
.footer-contact a:hover {
  color: var(--gold);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 18px;
}

.header-call {
  white-space: nowrap;
}

.header-apply {
  display: inline-flex;
  min-height: 44px;
  align-items: center;
  justify-content: center;
  padding: 0.7rem 1rem;
  border: 1px solid var(--navy);
  background: var(--navy);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 600;
  white-space: nowrap;
  transition: background 160ms ease, transform 160ms ease;
}

.header-apply:hover {
  background: var(--navy-deep);
  transform: translateY(-1px);
}

.hero {
  position: relative;
  background:
    linear-gradient(120deg, rgba(248, 245, 240, 0.55), rgba(252, 251, 248, 0.98) 52%),
    var(--paper);
}

.hero::before {
  position: absolute;
  top: 9%;
  right: -13%;
  width: 45vw;
  height: 45vw;
  border: 1px solid rgba(175, 144, 117, 0.18);
  border-radius: 50%;
  box-shadow:
    0 0 0 38px rgba(175, 144, 117, 0.035),
    0 0 0 78px rgba(30, 62, 97, 0.025),
    0 0 0 118px rgba(175, 144, 117, 0.025);
  content: "";
}

.hero-layout {
  position: relative;
  z-index: 1;
  display: grid;
  min-height: 610px;
  grid-template-columns: minmax(0, 1.18fr) minmax(340px, 0.82fr);
  align-items: center;
  gap: clamp(48px, 7vw, 95px);
  padding: 58px 0 64px;
}

.hero-copy {
  max-width: 680px;
}

.eyebrow {
  margin-bottom: 17px;
  color: var(--gold);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.eyebrow span {
  margin: 0 0.38rem;
  opacity: 0.7;
}

h1 {
  max-width: 680px;
  margin-bottom: 25px;
  font-size: clamp(3.75rem, 6.3vw, 5.85rem);
  font-weight: 600;
  letter-spacing: -0.048em;
  line-height: 1.01;
}



.hero-lead {
  max-width: 625px;
  margin-bottom: 26px;
  color: var(--text);
  font-size: clamp(1.08rem, 1.7vw, 1.27rem);
  line-height: 1.65;
}

.hero-actions,
.contact-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
}

.button {
  display: inline-flex;
  min-height: 54px;
  align-items: center;
  justify-content: center;
  padding: 0.9rem 1.25rem;
  border: 1px solid transparent;
  font-size: 0.88rem;
  font-weight: 600;
  transition: background 160ms ease, border-color 160ms ease, color 160ms ease, transform 160ms ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button-primary {
  background: var(--navy);
  color: var(--white);
}

.button-primary:hover {
  background: var(--navy-deep);
}

.button-secondary {
  border-color: var(--gold);
  background: transparent;
  color: var(--navy);
}

.button-secondary:hover {
  background: var(--white);
}

.hero-profile {
  position: relative;
  width: 100%;
  max-width: 390px;
  justify-self: end;
  padding: 20px 18px 18px;
}

.profile-rings {
  position: absolute;
  top: -24px;
  right: -50px;
  width: 360px;
  height: 360px;
  border: 1px solid rgba(175, 144, 117, 0.5);
  border-radius: 50%;
  box-shadow:
    0 0 0 29px rgba(175, 144, 117, 0.055),
    0 0 0 58px rgba(30, 62, 97, 0.04);
}

.profile-card {
  position: relative;
  z-index: 1;
  overflow: hidden;
  border: 1px solid rgba(175, 144, 117, 0.6);
  background: rgba(255, 255, 255, 0.93);
  box-shadow: var(--shadow);
}

.profile-photo {
  height: 245px;
  overflow: hidden;
  background: #dde1e2;
}

.profile-photo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 50% 16%;
}

.profile-caption {
  padding: 22px 24px 20px;
  border-bottom: 1px solid var(--line);
}

.profile-caption p {
  margin-bottom: 0;
}

.profile-name {
  color: var(--navy);
  font-size: 1.5rem;
  font-weight: 600;
  letter-spacing: -0.04em;
}

.profile-role {
  margin-top: 6px !important;
  color: var(--text);
  font-size: 0.76rem;
  font-weight: 600;
}

.profile-role span {
  margin: 0 0.32rem;
  color: var(--gold);
}

.affiliation-lockup {
  display: flex;
  align-items: center;
  flex-direction: column;
  gap: 7px;
  padding: 17px 24px 20px;
  text-align: center;
}

.affiliation-lockup img {
  display: block;
  width: 205px;
  height: auto;
}

.powered-line {
  color: var(--text);
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.trust-strip {
  position: relative;
  z-index: 2;
  background: var(--navy);
  color: var(--white);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.trust-grid article {
  display: flex;
  min-height: 105px;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  padding: 25px 34px;
  border-left: 1px solid rgba(255, 255, 255, 0.16);
}

.trust-grid article:last-child {
  border-right: 1px solid rgba(255, 255, 255, 0.16);
}

.trust-grid strong {
  font-size: 1.12rem;
  font-weight: 600;
  letter-spacing: -0.025em;
}

.trust-grid span {
  color: rgba(255, 255, 255, 0.68);
  font-size: 0.72rem;
  line-height: 1.5;
}

.broker-section,
.options-section,
.about-section {
  padding: 110px 0;
}

.broker-section,
.about-section {
  background: var(--white);
}

.section-heading {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(340px, 0.72fr);
  gap: clamp(48px, 8vw, 110px);
  align-items: end;
  margin-bottom: 56px;
}

.section-heading h2,
.agents-heading h2,
.about-heading h2,
.contact-panel h2 {
  margin-bottom: 0;
  font-size: clamp(2.35rem, 4.3vw, 4rem);
  font-weight: 600;
  letter-spacing: -0.052em;
  line-height: 1.08;
}

.broker-intro p,
.options-heading > p,
.agents-copy > p,
.about-copy > p,
.contact-copy > p {
  margin-bottom: 0;
  color: var(--text);
  font-size: 0.98rem;
  line-height: 1.75;
}

.broker-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.broker-grid article {
  min-height: 260px;
  padding: 31px 29px;
  border: 1px solid var(--line);
  background: var(--paper);
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.broker-grid article:hover,
.option-card:hover {
  border-color: rgba(175, 144, 117, 0.72);
  box-shadow: 0 16px 34px rgba(17, 47, 80, 0.06);
  transform: translateY(-3px);
}

.step-number {
  display: inline-flex;
  width: 39px;
  height: 39px;
  align-items: center;
  justify-content: center;
  margin-bottom: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 0.63rem;
  font-weight: 700;
}

.broker-grid h3,
.option-card h3 {
  margin-bottom: 11px;
  font-size: 1.12rem;
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1.35;
}

.broker-grid p,
.option-card p {
  margin-bottom: 0;
  color: var(--text);
  font-size: 0.88rem;
  line-height: 1.7;
}

.options-section {
  position: relative;
  background: var(--cream);
}

.options-rings {
  position: absolute;
  top: 80px;
  right: -150px;
  width: 375px;
  height: 375px;
  border: 1px solid rgba(175, 144, 117, 0.27);
  border-radius: 50%;
  box-shadow:
    0 0 0 32px rgba(175, 144, 117, 0.035),
    0 0 0 64px rgba(30, 62, 97, 0.025);
}

.options-heading > p {
  padding-bottom: 4px;
}

.options-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.option-card {
  min-height: 235px;
  padding: 30px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.82);
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.option-card > span {
  display: block;
  margin-bottom: 38px;
  color: var(--gold);
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.15em;
}

.agents-section {
  position: relative;
  overflow: hidden;
  background: var(--navy);
  color: var(--white);
}

.agents-section::after {
  position: absolute;
  right: -180px;
  bottom: -260px;
  width: 520px;
  height: 520px;
  border: 1px solid rgba(215, 195, 176, 0.16);
  border-radius: 50%;
  box-shadow: 0 0 0 36px rgba(255, 255, 255, 0.018), 0 0 0 74px rgba(215, 195, 176, 0.025);
  content: "";
}

.agents-layout {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(340px, 0.72fr);
  gap: clamp(55px, 9vw, 120px);
  padding: 108px 0;
}

.agents-heading h2,
.agents-heading .eyebrow {
  color: var(--white);
}

.agents-heading .eyebrow {
  opacity: 0.74;
}

.agents-copy {
  align-self: end;
  border-left: 1px solid rgba(215, 195, 176, 0.55);
  padding-left: 34px;
}

.agents-copy > p {
  color: rgba(255, 255, 255, 0.78);
}

.agents-copy ul {
  display: grid;
  gap: 10px;
  margin: 26px 0 28px;
  padding: 0;
  list-style: none;
}

.agents-copy li {
  display: flex;
  align-items: center;
  gap: 11px;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.83rem;
}

.agents-copy li::before {
  width: 7px;
  height: 7px;
  flex: 0 0 auto;
  background: var(--gold);
  content: "";
  transform: rotate(45deg);
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--gold);
  font-size: 0.82rem;
  font-weight: 600;
  transition: color 160ms ease;
}

.text-link-light:hover {
  color: var(--white);
}

.about-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.88fr) minmax(390px, 0.72fr);
  gap: clamp(55px, 8vw, 100px);
}

.about-heading {
  position: relative;
  padding-left: 32px;
}

.about-heading::before {
  position: absolute;
  top: 3px;
  bottom: 4px;
  left: 0;
  width: 1px;
  background: var(--gold);
  content: "";
}

.about-copy > p + p {
  margin-top: 18px;
}

.about-links {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  margin-top: 29px;
}

.contact-section {
  background: var(--cream);
  padding: 0 0 90px;
}

.contact-panel {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(360px, 0.75fr);
  gap: clamp(46px, 8vw, 105px);
  padding: 60px;
  background: var(--navy-deep);
  color: var(--white);
}

.contact-panel h2,
.contact-panel .eyebrow {
  color: var(--white);
}

.contact-panel .eyebrow {
  opacity: 0.74;
}

.contact-copy {
  align-self: center;
}

.contact-copy > p {
  margin-bottom: 22px;
  color: rgba(255, 255, 255, 0.7);
}

.button-gold {
  background: var(--gold);
  color: var(--navy-deep);
}

.button-gold:hover {
  background: #c2a58c;
}

.button-on-dark {
  border-color: rgba(255, 255, 255, 0.56);
  color: var(--white);
}

.button-on-dark:hover {
  background: rgba(255, 255, 255, 0.08);
}

.contact-email {
  display: inline-block;
  margin-top: 17px;
  color: var(--gold-light);
  font-size: 0.75rem;
  font-weight: 500;
  transition: color 160ms ease;
}

.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.67);
}

.footer-main {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 44px;
  padding: 39px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.13);
}

.footer-main p {
  margin-bottom: 0;
}

.footer-name {
  margin-bottom: 5px !important;
  color: var(--white);
  font-size: 0.95rem;
  font-weight: 600;
}

.footer-identity > p:last-child {
  font-size: 0.68rem;
}

.footer-identity span {
  margin: 0 0.33rem;
  color: var(--gold);
}

.footer-affiliation {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
}

.footer-affiliation img {
  width: 142px;
  height: auto;
  filter: brightness(0) invert(1);
  opacity: 0.82;
}

.footer-affiliation span {
  font-size: 0.47rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.footer-contact {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 6px;
  font-size: 0.7rem;
}

.footer-contact a {
  transition: color 160ms ease;
}

.footer-legal {
  padding: 25px 0 38px;
  border-top: 1px solid rgba(255, 255, 255, 0.13);
  font-size: 0.62rem;
  line-height: 1.7;
}

@media (max-width: 1100px) {
  .header-inner {
    gap: 22px;
  }

  .primary-nav {
    gap: 16px;
  }

  .primary-nav a,
  .header-call {
    font-size: 0.75rem;
  }

  .header-actions {
    gap: 12px;
  }

  .hero-layout {
    gap: 42px;
  }

}

@media (max-width: 900px) {
  html {
    scroll-padding-top: 86px;
  }

  .shell {
    width: min(100% - 44px, 1200px);
  }

  .header-inner {
    min-height: 82px;
  }

  .primary-nav {
    display: none;
  }

  .header-actions {
    margin-left: auto;
  }

  .hero-layout,
  .section-heading,
  .agents-layout,
  .about-layout,
  .contact-panel {
    grid-template-columns: 1fr;
  }

  .hero-layout {
    min-height: 0;
    gap: 64px;
    padding: 68px 0 86px;
  }

  .hero-copy {
    max-width: 720px;
  }

  .hero-profile {
    width: min(100%, 420px);
    justify-self: center;
  }

  .profile-photo {
    height: 270px;
  }

  .section-heading {
    align-items: start;
    gap: 26px;
  }

  .broker-intro,
  .options-heading > p {
    max-width: 690px;
  }

  .broker-grid {
    gap: 12px;
  }

  .agents-layout {
    gap: 36px;
  }

  .agents-copy {
    border-top: 1px solid rgba(215, 195, 176, 0.55);
    border-left: 0;
    padding: 30px 0 0;
  }

  .about-layout {
    gap: 46px;
  }

  .about-copy {
    max-width: 710px;
  }

  .contact-panel {
    gap: 31px;
  }

  .contact-copy {
    max-width: 650px;
  }

  .footer-main {
    grid-template-columns: 1fr 1fr;
  }

  .footer-affiliation {
    display: none;
  }
}

@media (max-width: 680px) {
  .shell {
    width: min(100% - 32px, 1200px);
  }

  .site-header {
    border-top-width: 5px;
  }

  .header-inner {
    min-height: 76px;
    gap: 12px;
  }

  .personal-brand {
    min-width: 0;
  }

  .personal-name {
    font-size: 1.25rem;
  }

  .personal-role {
    gap: 5px;
    font-size: 0.51rem;
    letter-spacing: 0.045em;
  }

  .header-call {
    display: none;
  }

  .header-apply {
    min-height: 40px;
    padding: 0.6rem 0.7rem;
    font-size: 0.67rem;
  }
  .personal-brand { min-width: 0; }

  .hero::before {
    top: 48%;
    right: -60%;
    width: 125vw;
    height: 125vw;
  }

  .hero-layout {
    gap: 52px;
    padding: 52px 0 70px;
  }

  .eyebrow {
    font-size: 0.78rem;
  }

  h1 {
    font-size: clamp(2.15rem, 9.5vw, 2.9rem);
    letter-spacing: -0.03em;
    line-height: 1.06;
  }



  .hero-lead {
    font-size: 1rem;
  }

  .hero-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .button {
    width: 100%;
  }

  .hero-profile {
    padding: 8px 0 0;
  }

  .profile-rings {
    top: -15px;
    right: -45px;
    width: 330px;
    height: 330px;
  }

  .profile-photo {
    height: 245px;
  }

  .profile-caption {
    padding: 19px 20px 18px;
  }

  .affiliation-lockup {
    padding: 15px 20px 18px;
  }

  .affiliation-lockup img {
    width: 185px;
  }

  .trust-grid {
    grid-template-columns: 1fr;
  }

  .trust-grid article,
  .trust-grid article:last-child {
    min-height: 0;
    padding: 21px 18px;
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
    border-left: 0;
  }

  .trust-grid article:last-child {
    border-bottom: 0;
  }

  .broker-section,
  .options-section,
  .about-section {
    padding: 76px 0;
  }

  .section-heading {
    margin-bottom: 38px;
  }

  .section-heading h2,
  .agents-heading h2,
  .about-heading h2,
  .contact-panel h2 {
    font-size: 2.38rem;
  }

  .broker-grid,
  .options-grid {
    grid-template-columns: 1fr;
  }

  .broker-grid article,
  .option-card {
    min-height: 0;
  }

  .step-number,
  .option-card > span {
    margin-bottom: 26px;
  }

  .agents-layout {
    padding: 76px 0;
  }

  .about-heading {
    padding-left: 21px;
  }

  .about-links {
    align-items: flex-start;
    flex-direction: column;
    gap: 14px;
  }

  .contact-section {
    padding-bottom: 48px;
  }

  .contact-panel {
    padding: 38px 23px;
  }

  .contact-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .footer-main {
    grid-template-columns: 1fr;
    gap: 23px;
  }

  .footer-contact {
    align-items: flex-start;
  }

  .footer-legal {
    font-size: 0.72rem;
  }
}

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

  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}

.footer-legal a { color: inherit; text-decoration: underline; }

.personal-affiliation { display: block; font-size: 0.7rem; letter-spacing: 0.03em; opacity: 0.75; margin-top: 2px; }

.hero-eyebrow { font-size: 0.85rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.eyebrow-name { color: var(--navy); }

@media (max-width: 680px) {
  .eyebrow-sep { display: none; }
  .eyebrow-name { display: block; margin-bottom: 3px; }
}

.affil-mobile { display: none; }
@media (max-width: 680px) {
  .affil-desktop { display: none; }
  .header-inner {
    flex-wrap: wrap;
    min-height: 0;
    padding-top: 12px;
    padding-bottom: 10px;
  }
  .personal-name { font-size: 1.15rem; }
  .affil-mobile {
    display: block;
    flex-basis: 100%;
    order: 9;
    font-size: 0.62rem;
    letter-spacing: 0.02em;
    margin-top: 6px;
  }
}

.personal-brand-wrap { display: flex; flex-direction: column; align-items: flex-start; }
.header-phone { display: none; }
@media (max-width: 680px) {
  .header-phone {
    display: inline-block;
    margin-top: 2px;
    padding: 2px 0;
    font-size: 0.9rem;
    font-weight: 600;
    line-height: 1.15;
    color: var(--navy);
    letter-spacing: 0.01em;
  }
  .personal-brand { gap: 3px; }
  .header-inner { padding-top: 9px; padding-bottom: 7px; column-gap: 22px; row-gap: 3px; }
  .affil-mobile { margin-top: 3px; }
}

.affil-brand { font-weight: 600; }

/* desktop nav upgrade: editorial tracked caps, weight, animated gold underline */
.primary-nav a {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  position: relative;
  padding-bottom: 5px;
}
.primary-nav a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 180ms ease;
}
.primary-nav a:hover { color: var(--navy); }
.primary-nav a:hover::after,
.primary-nav a:focus-visible::after { transform: scaleX(1); }
.header-call { font-weight: 600; font-size: 0.95rem; }

.skip-link {
  position: absolute;
  left: 16px;
  top: -60px;
  z-index: 100;
  background: var(--navy);
  color: #ffffff;
  padding: 10px 16px;
  border-radius: 4px;
  font-weight: 600;
  transition: top 160ms ease;
}
.skip-link:focus { top: 12px; }

@media (min-width: 901px) {
  .section-heading > p,
  .broker-intro,
  .about-copy,
  .contact-copy {
    border-left: 1px solid rgba(215, 195, 176, 0.55);
    padding-left: 34px;
  }
}

@media (min-width: 901px) {
  #how-i-help .section-heading {
    grid-template-columns: minmax(0, 0.95fr) minmax(340px, 0.85fr);
  }
}