:root {
  --navy: #061a36;
  --navy-2: #0c2a4f;
  --ink: #152033;
  --gold: #b89143;
  --gold-light: #dfc47c;
  --cream: #f7f4ed;
  --white: #ffffff;
  --muted: #667085;
  --line: #dfe3e8;
  --success: #1f6b4f;
  --shadow: 0 24px 60px rgba(2, 15, 34, .16);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; top: 0; z-index: 100; padding: 12px 18px; background: white; }
.skip-link:focus { left: 12px; top: 12px; }

.site-header {
  position: absolute;
  inset: 0 0 auto;
  z-index: 20;
  border-bottom: 1px solid rgba(255,255,255,.18);
}
.header-inner { height: 98px; display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.brand { display: inline-flex; align-items: center; text-decoration: none; }
.brand img { width: 220px; height: 76px; object-fit: contain; object-position: left center; filter: drop-shadow(0 2px 7px rgba(0,0,0,.18)); }
.nav { display: flex; align-items: center; gap: 28px; color: white; font-weight: 650; }
.nav a { text-decoration: none; }
.nav a:hover { color: var(--gold-light); }
.nav .nav-cta { padding: 11px 18px; border: 1px solid var(--gold-light); color: var(--gold-light); }

.hero {
  min-height: 880px;
  display: grid;
  align-items: center;
  color: white;
  background:
    linear-gradient(90deg, rgba(3,18,40,.98) 0%, rgba(3,18,40,.92) 38%, rgba(3,18,40,.52) 68%, rgba(3,18,40,.18) 100%),
    url("assets/east-tennessee-home.png") center / cover no-repeat;
  padding: 148px 0 72px;
}
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(360px, .72fr); gap: 74px; align-items: center; }
.eyebrow { margin: 0 0 18px; color: var(--gold-light); text-transform: uppercase; letter-spacing: .16em; font-size: .82rem; font-weight: 800; }
h1, h2, h3 { margin-top: 0; font-family: Georgia, "Times New Roman", serif; line-height: 1.08; font-weight: 500; }
h1 { max-width: 660px; margin-bottom: 24px; font-size: clamp(3.2rem, 6.4vw, 5.8rem); letter-spacing: -.045em; }
.hero-copy > p:not(.eyebrow) { max-width: 610px; margin: 0 0 28px; color: rgba(255,255,255,.86); font-size: 1.15rem; }
.trust-row { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 28px; color: rgba(255,255,255,.88); font-size: .93rem; }
.trust-row span::before { content: "✓"; color: var(--gold-light); margin-right: 8px; font-weight: 900; }

.lead-card { background: rgba(255,255,255,.985); color: var(--ink); padding: 32px; box-shadow: var(--shadow); border-top: 4px solid var(--gold); }
.lead-card h2 { margin-bottom: 8px; font-size: 2rem; color: var(--navy); }
.lead-card > p { margin: 0 0 20px; color: var(--muted); font-size: .94rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
label { color: #344054; font-size: .88rem; font-weight: 700; }
input, select, textarea {
  width: 100%;
  border: 1px solid #cbd2dc;
  border-radius: 0;
  background: white;
  color: var(--ink);
  padding: 12px 13px;
  font: inherit;
  line-height: 1.35;
}
textarea { min-height: 88px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(184,145,67,.24); border-color: var(--gold); }
.checkbox { display: grid; grid-template-columns: 18px 1fr; gap: 10px; align-items: start; margin-top: 2px; }
.checkbox input { width: 18px; height: 18px; margin: 3px 0 0; accent-color: var(--navy); }
.checkbox label { color: #596273; font-size: .76rem; font-weight: 500; line-height: 1.45; }
.checkbox a { color: var(--navy); font-weight: 700; }
.button { display: inline-flex; justify-content: center; align-items: center; min-height: 50px; padding: 13px 21px; border: 0; background: var(--gold); color: #07172e; text-decoration: none; text-transform: uppercase; letter-spacing: .07em; font-size: .84rem; font-weight: 900; cursor: pointer; }
.button:hover { background: var(--gold-light); }
.button.full { width: 100%; }
.form-note { margin: 10px 0 0 !important; text-align: center; font-size: .75rem !important; }
.hidden { position: absolute !important; width: 1px !important; height: 1px !important; overflow: hidden !important; clip: rect(0 0 0 0) !important; white-space: nowrap !important; }

.section { padding: 100px 0; }
.section.cream { background: var(--cream); }
.section.navy { background: var(--navy); color: white; }
.section-heading { max-width: 720px; margin-bottom: 50px; }
.section-heading h2 { margin-bottom: 16px; color: var(--navy); font-size: clamp(2.4rem, 4vw, 3.7rem); letter-spacing: -.035em; }
.section-heading p { margin: 0; color: var(--muted); font-size: 1.05rem; }
.navy .section-heading h2 { color: white; }
.navy .section-heading p { color: rgba(255,255,255,.7); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.step { border-top: 1px solid var(--gold); padding-top: 24px; }
.step-number { color: var(--gold); font-family: Georgia, serif; font-size: 1.1rem; }
.step h3 { margin: 11px 0 10px; color: var(--navy); font-size: 1.55rem; }
.step p { margin: 0; color: var(--muted); }
.benefits { display: grid; grid-template-columns: .9fr 1.1fr; gap: 84px; align-items: start; }
.benefits h2 { color: var(--navy); font-size: clamp(2.4rem, 4vw, 3.6rem); letter-spacing: -.035em; }
.benefits-list { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.benefit { padding: 22px; background: white; border: 1px solid #e7e1d5; }
.benefit h3 { margin-bottom: 8px; color: var(--navy); font-size: 1.25rem; }
.benefit p { margin: 0; color: var(--muted); font-size: .94rem; }
.disclosure { margin-top: 28px; padding: 18px 20px; border-left: 3px solid var(--gold); background: rgba(184,145,67,.09); color: #4d5563; font-size: .88rem; }
.faq { display: grid; grid-template-columns: .72fr 1.28fr; gap: 76px; }
.faq h2 { font-size: clamp(2.3rem, 4vw, 3.5rem); }
.faq-list details { padding: 22px 0; border-top: 1px solid rgba(255,255,255,.2); }
.faq-list details:last-child { border-bottom: 1px solid rgba(255,255,255,.2); }
.faq-list summary { cursor: pointer; font-weight: 750; font-size: 1.02rem; }
.faq-list p { margin-bottom: 0; color: rgba(255,255,255,.72); }
.cta-band { background: var(--gold); color: var(--navy); padding: 56px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-inner h2 { margin: 0 0 6px; font-size: clamp(2rem, 4vw, 3rem); }
.cta-inner p { margin: 0; }
.cta-band .button { background: var(--navy); color: white; white-space: nowrap; }

.site-footer { padding: 58px 0 28px; background: #031226; color: rgba(255,255,255,.75); }
.footer-grid { display: grid; grid-template-columns: 1.2fr .7fr .8fr; gap: 50px; }
.footer-logo { width: 230px; margin-bottom: 16px; }
.footer-title { color: white; font-size: .8rem; text-transform: uppercase; letter-spacing: .12em; font-weight: 800; }
.footer-links { display: grid; gap: 9px; }
.footer-links a { text-decoration: none; }
.footer-links a:hover { color: var(--gold-light); }
.footer-bottom { display: flex; justify-content: space-between; gap: 24px; margin-top: 44px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.13); font-size: .78rem; }

.legal-header { background: var(--navy); }
.legal-header .site-header { position: relative; }
.legal-main { padding: 72px 0 100px; }
.legal-main article { max-width: 820px; }
.legal-main h1 { color: var(--navy); font-size: clamp(2.7rem, 5vw, 4.4rem); }
.legal-main h2 { margin-top: 40px; color: var(--navy); font-size: 1.65rem; }
.legal-main h3 { margin-top: 25px; color: var(--navy); font-size: 1.18rem; }
.legal-main p, .legal-main li { color: #465064; }
.legal-main .updated { color: var(--gold); font-weight: 700; }
.thank-you { min-height: 100vh; display: grid; place-items: center; padding: 40px 0; background: var(--cream); }
.thank-card { max-width: 700px; padding: 55px; background: white; border-top: 5px solid var(--gold); box-shadow: var(--shadow); text-align: center; }
.thank-card img { width: 270px; margin: 0 auto 26px; }
.thank-card h1 { color: var(--navy); font-size: clamp(2.7rem, 7vw, 4.5rem); }
.thank-card p { color: var(--muted); font-size: 1.08rem; }

@media (max-width: 920px) {
  .nav a:not(.nav-cta) { display: none; }
  .hero { min-height: auto; }
  .hero-grid, .benefits, .faq { grid-template-columns: 1fr; gap: 46px; }
  .hero-copy { padding-top: 40px; }
  .lead-card { max-width: 660px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .container { width: min(100% - 28px, 1160px); }
  .header-inner { height: 82px; }
  .brand img { width: 175px; height: 64px; }
  .nav .nav-cta { padding: 9px 12px; font-size: .78rem; }
  .hero { padding: 110px 0 44px; background-position: 60% center; }
  h1 { font-size: clamp(2.8rem, 15vw, 4rem); }
  .lead-card { padding: 24px 20px; }
  .form-grid, .steps, .benefits-list { grid-template-columns: 1fr; }
  .section { padding: 72px 0; }
  .cta-inner { align-items: flex-start; flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; }
  .thank-card { padding: 40px 22px; }
}

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