:root{--navy:#061a3a;--blue:#096ed1;--blue2:#0d57a7;--red:#cf171d;--ink:#142238;--muted:#5e6a79;--light:#f4f7fb;--line:#dce4ed;--white:#fff;--shadow:0 18px 45px rgba(6,26,58,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}a{color:inherit;text-decoration:none}.wrap{width:min(1180px,calc(100% - 44px));margin:auto}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid #e7edf3;backdrop-filter:blur(12px)}.nav-wrap{height:86px;display:flex;align-items:center;gap:28px}.brand img{width:205px;height:auto;display:block;object-fit:contain}.nav{display:flex;gap:25px;margin-left:auto;font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.03em}.nav a:hover{color:var(--blue)}.header-actions{display:flex;align-items:center;gap:18px}.phone{font-weight:900;color:var(--blue);white-space:nowrap}.menu-toggle{display:none}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:5px;padding:14px 20px;font-weight:900;text-transform:uppercase;font-size:12px;letter-spacing:.035em;border:2px solid transparent;transition:.2s}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--blue2);color:#fff}.btn-outline{border-color:var(--blue2);color:var(--blue2);background:#fff}.btn-red{background:var(--red);color:#fff}.btn-lg{padding:16px 23px}.full{width:100%}
.hero{overflow:hidden}.hero-grid{display:grid;grid-template-columns:54% 46%;min-height:620px}.hero-copy{padding:92px 20px 72px 0;display:flex;flex-direction:column;justify-content:center}.hero-line{white-space:nowrap}.eyebrow{color:var(--red);text-transform:uppercase;letter-spacing:.09em;font-weight:900;font-size:12px;margin-bottom:14px}.hero h1,.section h2,.storm h2,.contact-section h2,.service-area h2{font-size:clamp(40px,4.4vw,62px);line-height:1.02;letter-spacing:-.045em;color:var(--navy);margin:0 0 24px;font-weight:900}.lead{font-size:18px;max-width:650px;color:#3e4d60}.hero-actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-top:22px}.trust-row{display:flex;gap:25px;flex-wrap:wrap;margin-top:34px;font-size:13px;font-weight:800;color:var(--navy)}.trust-row span::first-letter{color:var(--blue)}
.hero-photo{position:relative;min-height:620px;background:linear-gradient(90deg,rgba(6,26,58,.06),transparent 25%),url('assets/genx-hero-home.jpg') center/cover no-repeat;clip-path:polygon(8% 0,100% 0,100% 100%,0 100%)}.photo-badge{position:absolute;right:24px;bottom:24px;background:rgba(6,26,58,.92);color:#fff;padding:18px 22px;border-left:4px solid var(--red);box-shadow:var(--shadow)}.photo-badge strong,.photo-badge span{display:block}.photo-badge span{font-size:12px;opacity:.82;margin-top:3px}
.section{padding:92px 0}.section-light{background:var(--light)}.section-head{max-width:820px;margin-bottom:45px}.section-head.centered{text-align:center;margin-left:auto;margin-right:auto}.section-head h2{font-size:clamp(36px,4vw,52px)}.section-head p{font-size:18px;color:var(--muted)}
.cards{display:grid;gap:22px}.cards.three{grid-template-columns:repeat(3,1fr)}.card{background:#fff;border:1px solid var(--line);padding:32px;border-radius:9px;box-shadow:0 10px 30px rgba(6,26,58,.05);border-top:4px solid var(--blue)}.card .icon{font-size:34px;color:var(--blue);font-weight:900}.card h3{font-size:21px;color:var(--navy);margin:12px 0 8px}.card p{color:var(--muted)}.card a{font-weight:900;color:var(--blue);font-size:13px}.service-strip{margin-top:28px;background:var(--navy);color:#fff;display:grid;grid-template-columns:repeat(4,1fr);text-align:center;border-radius:7px;overflow:hidden}.service-strip span{padding:16px;border-right:1px solid rgba(255,255,255,.15);font-weight:800;font-size:13px}
.split{padding:0;display:grid;grid-template-columns:1fr 1fr;min-height:650px}.experience-photo{background:url('https://images.unsplash.com/photo-1632759145351-1d592919f522?auto=format&fit=crop&w=1200&q=85') center/cover no-repeat;min-height:600px}.experience-copy{padding:90px max(50px,calc((100vw - 1180px)/2)) 80px 70px;display:flex;flex-direction:column;justify-content:center}.experience-copy h2{font-size:clamp(38px,4vw,54px)}.experience-copy>p{color:var(--muted);font-size:17px}.principles{margin-top:20px}.principles>div{display:flex;gap:18px;padding:15px 0;border-top:1px solid var(--line)}.principles b{color:var(--red);font-size:12px}.principles strong,.principles small{display:block}.principles strong{color:var(--navy)}.principles small{color:var(--muted);margin-top:3px}
.storm{position:relative;padding:100px 0;color:#fff;background:url('https://images.unsplash.com/photo-1605727216801-e27ce1d0cc28?auto=format&fit=crop&w=1800&q=86') center/cover no-repeat}.storm-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,18,42,.98) 0%,rgba(4,18,42,.9) 48%,rgba(4,18,42,.35) 100%)}.storm-content{position:relative;max-width:1180px}.storm-content>*{max-width:690px}.eyebrow.red{color:#ff3b42}.storm h2{color:#fff}.storm p{font-size:18px;color:#d9e4f0}.storm-points{display:flex;flex-wrap:wrap;gap:10px;margin:28px 0}.storm-points span{border:1px solid rgba(255,255,255,.3);padding:8px 11px;border-radius:4px;font-size:12px;font-weight:800}.text-link{color:#fff;font-weight:900;font-size:13px}.insurance-note{margin-top:32px;padding:18px 20px;background:rgba(255,255,255,.1);border-left:3px solid var(--blue);font-size:14px;color:#dce8f4}
.compact .card{min-height:260px}.about{background:#fff}.about-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:center}.about h2{font-size:clamp(40px,4vw,58px)}.about p{font-size:17px;color:var(--muted)}blockquote{margin:28px 0;padding:4px 0 4px 22px;border-left:4px solid var(--red);font-size:20px;font-weight:800;color:var(--navy)}.owners{font-weight:900;color:var(--navy)}.owners span{font-weight:400;color:var(--muted);margin-left:8px}.about-panel{background:var(--navy);color:#fff;padding:42px;border-radius:10px;position:relative;overflow:hidden}.about-panel h3{font-size:30px;margin:10px 0}.about-panel p{color:#d4deea}.about-panel ul{padding-left:18px;line-height:2}.big-x{position:absolute;right:-10px;top:-65px;font-size:230px;font-weight:900;color:rgba(9,110,209,.18)}
.service-area{padding:55px 0;background:var(--light);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.service-area-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;align-items:center}.service-area h2{font-size:44px;margin:0}.service-area p{font-size:17px;color:var(--muted);margin:0}
.contact-section{padding:95px 0;background:linear-gradient(135deg,#061a3a,#0b3267);color:#fff}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:75px;align-items:start}.contact-section h2{color:#fff;font-size:clamp(40px,4vw,58px)}.contact-copy>p{font-size:18px;color:#d4deea}.contact-phone{display:block;font-size:28px;font-weight:900;color:#fff;margin-top:30px}.contact-email{display:block;color:#9bc9f5;margin-top:4px}.hours{margin-top:30px;color:#d4deea}.hours span{color:#ff777c;font-weight:800}.lead-form{background:#fff;color:var(--ink);padding:36px;border-radius:10px;box-shadow:var(--shadow)}.lead-form h3{color:var(--navy);font-size:26px;margin:0 0 4px}.lead-form>p{color:var(--muted);margin-top:0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.lead-form label{display:block;font-size:12px;font-weight:900;color:var(--navy);margin-bottom:14px}.lead-form input,.lead-form textarea{display:block;width:100%;margin-top:6px;padding:13px;border:1px solid #cbd6e1;border-radius:5px;font:inherit}.form-note{display:block;color:#7a8794;margin-top:10px;line-height:1.4}.form-success{display:none;margin-top:12px;padding:12px;background:#edf7ff;color:var(--blue2);font-weight:800;border-radius:5px}
footer{background:#031126;color:#c6d1df;padding:55px 0 22px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:45px}.footer-logo-plate{display:inline-block;background:#fff;padding:10px 14px;border-radius:6px;margin-bottom:8px}.footer-logo-plate img{width:220px;height:auto;display:block}.footer-grid strong{display:block;color:#fff;margin-bottom:12px}.footer-grid a{display:block;font-size:13px;margin:8px 0}.footer-grid p{font-size:13px}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:35px;padding-top:18px;display:flex;justify-content:space-between;font-size:12px}
@media(max-width:980px){.hero-line{white-space:normal}.nav,.header-actions .btn{display:none}.header-actions{margin-left:auto}.menu-toggle{display:block;border:0;background:none;font-size:25px}.hero-grid{grid-template-columns:1fr}.hero-copy{padding:65px 0}.hero-photo{min-height:420px;clip-path:none}.cards.three{grid-template-columns:1fr}.service-strip{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.experience-copy{padding:70px 35px}.about-grid,.contact-grid,.service-area-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.nav.open{display:flex;position:absolute;top:86px;left:0;right:0;background:#fff;padding:22px;flex-direction:column;border-bottom:1px solid var(--line)}}@media(max-width:600px){.wrap{width:min(100% - 28px,1180px)}.brand img{width:165px;height:auto}.phone{font-size:12px}.hero-copy{padding:48px 0}.hero h1{font-size:44px}.trust-row{gap:12px;flex-direction:column}.hero-actions .btn{width:100%}.hero-photo{min-height:320px}.section{padding:65px 0}.service-strip{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.lead-form{padding:25px}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;gap:8px}}

/* V1.6 hero lock */
.hero h1 .hero-line{display:block;white-space:nowrap}
@media (min-width:981px){
  .hero-grid{grid-template-columns:56% 44%}
  .hero-copy{padding-right:12px}
  .hero h1{font-size:clamp(46px,4.0vw,60px)}
}
@media (max-width:980px){
  .hero h1 .hero-line{white-space:normal}
}

/* V1.7 live form */
.hp-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;opacity:0!important;pointer-events:none!important}
.form-success.success{background:#edf7ff;color:var(--blue2)}
.form-success.error{background:#fff1f1;color:#a31922}