:root {
  --navy-deep: #0A2540;
  --navy: #123A66;
  --navy-soft: #1E4E85;
  --amber: #A89768;
  --amber-soft: #C2B48D;
  --paper: #F6F7F9;
  --paper-card: #FFFFFF;
  --ink: #16232F;
  --ink-soft: #4B5A68;
  --line: #DDE3E9;
  --shadow: 0 1px 2px rgba(10,37,64,0.06);
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --paper: #0D1720;
    --paper-card: #142330;
    --ink: #EAF0F5;
    --ink-soft: #A9B7C4;
    --line: #24384A;
    --navy-deep: #071A2E;
    --navy: #123A66;
    --navy-soft: #2B5A93;
    --shadow: 0 1px 2px rgba(0,0,0,0.35);
  }
}

:root[data-theme="dark"] {
  --paper: #0D1720;
  --paper-card: #142330;
  --ink: #EAF0F5;
  --ink-soft: #A9B7C4;
  --line: #24384A;
  --navy-deep: #071A2E;
  --navy: #123A66;
  --navy-soft: #2B5A93;
  --shadow: 0 1px 2px rgba(0,0,0,0.35);
}

* { box-sizing: border-box; }

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

body { background: var(--paper); }

h1, h2, h3 {
  font-family: 'Source Serif 4', Georgia, 'Times New Roman', serif;
  font-weight: 600;
  color: var(--ink);
  margin: 0;
  line-height: 1.15;
}

p { margin: 0; }

a { color: inherit; }

.wrap {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 32px;
}

@media (max-width: 640px) {
  .wrap { padding: 0 20px; }
}

/* ---------- Header ---------- */
header.site {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}
.header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 0;
}
.brandmark {
  display: flex;
  align-items: center;
  gap: 10px;
}
.logo-header {
  display: block;
  line-height: 0;
  opacity: 1;
  transition: opacity 0.15s ease;
}
.logo-header:hover {
  opacity: 0.75;
}
.logo-header img {
  height: 46px;
  width: auto;
  display: block;
}
/* Hero lockup: IC System + "Formerly" + Paid In Full, each 25% larger than v1 */
.logo-hero {
  margin-bottom: 32px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.logo-hero img { display: block; width: auto; max-width: 100%; }
.logo-hero .lh-ic { height: 83px; }
.logo-hero .lh-formerly { height: 19px; margin-top: 9px; }
.logo-hero .lh-pif { height: 50px; margin-top: 6px; }
@media (max-width: 640px) {
  .logo-hero .lh-ic { height: 64px; }
  .logo-hero .lh-formerly { height: 15px; margin-top: 7px; }
  .logo-hero .lh-pif { height: 39px; margin-top: 5px; }
}
.header-phone {
  color: var(--ink-soft);
  font-size: 14px;
  font-weight: 500;
}
.header-phone a { color: var(--navy); font-weight: 600; text-decoration: none; border-bottom: 1px solid var(--navy-soft); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(180deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #FFFFFF;
  padding: 76px 0 88px;
}

.hero h1 {
  font-size: 32px;
  max-width: 22ch;
  color: #FFFFFF;
}
.hero .lede {
  margin-top: 22px;
  font-size: 19px;
  line-height: 1.55;
  max-width: 46ch;
  color: #D9E3ED;
}

.hero-cta {
  margin-top: 40px;
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}
.btn {
  display: inline-block;
  padding: 19px 38px;
  font-size: 17px;
  font-weight: 600;
  text-decoration: none;
  border-radius: 4px;
  font-family: 'Work Sans', sans-serif;
}
.btn-primary {
  background: var(--amber);
  color: #1A1204;
}
.btn-secondary {
  background: transparent;
  color: #FFFFFF;
  border: 1.5px solid rgba(255,255,255,0.55);
}

@media (max-width: 640px) {
  .btn { padding: 16px 28px; font-size: 16px; width: 100%; text-align: center; }
  .hero-cta { flex-direction: column; }
}

@media (max-width: 640px) {
  .hero { padding: 56px 0 60px; }
  .hero h1 { font-size: 22px; }
  .hero .lede { font-size: 17px; }
}

/* ---------- Stat bar ---------- */
.stat-bar {
  background: var(--paper-card);
  border-bottom: 1px solid var(--line);
}
.stat-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat {
  padding: 30px 24px;
  text-align: left;
  border-left: 1px solid var(--line);
}
.stat:first-child { border-left: none; }
.stat .num {
  font-family: 'Source Serif 4', serif;
  font-size: 30px;
  font-weight: 600;
  color: var(--navy);
}
.stat .label {
  margin-top: 4px;
  font-size: 13.5px;
  color: var(--ink-soft);
  line-height: 1.4;
}
@media (max-width: 720px) {
  .stat-row { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(3) { border-left: none; }
  .stat { border-bottom: 1px solid var(--line); }
}

/* ---------- Message section ---------- */
.message {
  padding: 76px 0 10px;
}
.message .kicker {
  font-size: 14px;
  font-weight: 600;
  color: var(--amber);
  margin-bottom: 14px;
}
.message h2 {
  font-size: 28px;
  max-width: 30ch;
}
.message .body {
  margin-top: 22px;
  max-width: 62ch;
  font-size: 17px;
  line-height: 1.7;
  color: var(--ink-soft);
}
.message .body p + p { margin-top: 16px; }
.message .body strong { color: var(--ink); font-weight: 600; }

/* ---------- Two column: staying / new ---------- */
.columns {
  padding: 64px 0 80px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
@media (max-width: 720px) {
  .columns { grid-template-columns: 1fr; padding: 48px 0 56px; }
}
.card {
  background: var(--paper-card);
  border: 1px solid var(--line);
  border-radius: 4px;
  padding: 32px 30px;
  box-shadow: var(--shadow);
}
.card h3 {
  font-size: 19px;
  color: var(--navy);
}
:root[data-theme="dark"] .card h3 { color: var(--amber-soft); }
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) .card h3 { color: var(--amber-soft); }
}
.card ul {
  list-style: none;
  margin: 20px 0 0;
  padding: 0;
}
.card li {
  position: relative;
  padding-left: 22px;
  font-size: 15.5px;
  line-height: 1.55;
  color: var(--ink-soft);
}
.card li + li { margin-top: 13px; }
.card li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 9px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--amber);
}

/* ---------- Quote ---------- */
.quote-band {
  background: var(--navy-deep);
  color: #FFFFFF;
  padding: 64px 0;
}
.quote-band blockquote {
  margin: 0;
  font-family: 'Source Serif 4', serif;
  font-size: 25px;
  line-height: 1.5;
  max-width: 34ch;
  font-weight: 400;
}
.quote-band cite {
  display: block;
  margin-top: 20px;
  font-style: normal;
  font-size: 14px;
  color: #9FB3C6;
}

/* ---------- Footer / contact ---------- */
footer.site {
  padding: 64px 0 56px;
}
.footer-grid {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  flex-wrap: wrap;
  gap: 30px;
  border-top: 1px solid var(--line);
  padding-top: 40px;
}
footer.site h3 {
  font-size: 21px;
  max-width: 24ch;
}
footer.site .foot-note {
  margin-top: 12px;
  font-size: 15px;
  color: var(--ink-soft);
  max-width: 40ch;
  line-height: 1.6;
}
.foot-contact {
  text-align: right;
  font-size: 14.5px;
  color: var(--ink-soft);
  line-height: 1.8;
}
.foot-contact a { text-decoration: none; color: var(--navy); font-weight: 600; }
:root[data-theme="dark"] .foot-contact a { color: var(--amber-soft); }
@media (prefers-color-scheme: dark) { .foot-contact a { color: var(--amber-soft); } }
@media (max-width: 640px) {
  .footer-grid { flex-direction: column; align-items: flex-start; }
  .foot-contact { text-align: left; }
}
footer.site h3.foot-statement { max-width: 38ch; line-height: 1.4; }
.legal {
  margin-top: 40px;
  font-size: 12.5px;
  color: var(--ink-soft);
  opacity: 0.75;
}