/* Get Fortified Now (McKinley Fortified Solutions) — logo v4 palette: navy #0B2757, gold #D1A43C.
   No green, no shield (IBHS request, Nov 4, 2026). Gold is decorative; use --gold-dk for small text on white. */
:root{
  --navy:#0B2757; --navy-2:#12316b; --orange:#D1A43C; --orange-dk:#7F6118;
  --ink:#1b2430; --muted:#4f5b6b; --line:#dfe4ea; --bg-soft:#f4f6fa; --sand:#faf5e8;
  --radius:14px; --max:1120px;
  --font: system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --font-head: Poppins,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;font-family:var(--font);color:var(--ink);line-height:1.6;font-size:1.0625rem;background:#fff}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--orange-dk)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:4px}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .6em;font-family:var(--font-head);font-weight:700}
h1{font-size:clamp(2rem,5.2vw,3.25rem);letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,3.6vw,2.25rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{width:min(100% - 2.5rem,var(--max));margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.75rem 1rem;z-index:100}
.skip:focus{left:1rem;top:1rem}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(6px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:80px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--navy);font-weight:750;font-size:1.25rem;letter-spacing:-.01em;white-space:nowrap}
.brand img{height:62px;width:auto}
.brand .f{color:var(--orange)}
.nav{display:flex;align-items:center;gap:1.25rem}
.nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
.nav a:hover{color:var(--orange-dk)}
.nav .btn{color:#fff}
.nav-links{display:flex;gap:1.25rem}
@media (max-width:900px){.nav-links{display:none}}
@media (max-width:640px){.nav .btn{display:none}.brand img{height:44px}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.8rem 1.25rem;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;line-height:1.2;min-height:48px}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2);color:#fff;box-shadow:0 0 0 3px var(--orange)}
.btn-gold{background:var(--orange);color:var(--navy)}
.btn-gold:hover{background:#e2b955;color:var(--navy)}
.btn-outline{border-color:currentColor;color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-light{border-color:#fff;color:#fff}
.btn-light:hover{background:#fff;color:var(--navy)}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 65%,#1a3f80 100%);color:#e9eef5;position:relative;overflow:hidden}

.hero .wrap{padding:4.5rem 0 4rem;display:grid;gap:2.5rem;grid-template-columns:1.3fr .9fr;align-items:center;position:relative;z-index:1}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--orange)}
.hero .lead{font-size:1.2rem;max-width:38rem;color:#d6deea}
.cta-row{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.5rem 0 1rem}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:1.5rem;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.hero-card h2{font-size:1.15rem;margin-bottom:.75rem}
.hero-card ul{list-style:none;margin:0;padding:0}
.hero-card li{display:flex;justify-content:space-between;gap:1rem;padding:.65rem 0;border-bottom:1px solid var(--line)}
.hero-card li:last-child{border-bottom:0}
.hero-card .price{font-weight:800;color:var(--navy);white-space:nowrap}
.hero-contact{font-size:.98rem;color:#c9d3e1}
.hero-contact a{color:#fff;font-weight:600}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr;padding:3rem 0}}

.eyebrow{display:inline-block;font-size:.8rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--orange-dk);margin-bottom:.75rem}

/* Trust strip */
.trust{background:var(--sand);border-bottom:1px solid #f0e2d6}
.trust ul{list-style:none;margin:0;padding:1rem 0;display:flex;flex-wrap:wrap;gap:.5rem 1.25rem;justify-content:center;font-weight:650;color:var(--navy);font-size:.9rem}
.trust li::before{content:"";display:inline-block;width:.55rem;height:.55rem;background:var(--orange);border-radius:2px;margin-right:.55rem;transform:rotate(45deg);vertical-align:.1em}

/* Sections */
section{scroll-margin-top:80px}
.section{padding:4.5rem 0}
.section.alt{background:var(--bg-soft)}
.section-head{max-width:46rem;margin-bottom:2.25rem}
.section-head p{color:var(--muted);font-size:1.1rem}
.grid{display:grid;gap:1.25rem}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
@media (max-width:860px){.grid-3,.grid-2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem}
.card p:last-child{margin-bottom:0}
.icon-dot{width:42px;height:42px;border-radius:10px;background:var(--sand);display:grid;place-items:center;margin-bottom:.9rem;color:var(--orange-dk);font-weight:800}
.note{font-size:.92rem;color:var(--muted)}
.callout{border-left:4px solid var(--orange);background:var(--sand);padding:1rem 1.25rem;border-radius:0 10px 10px 0;margin-top:1.5rem}
.callout p{margin:0}

/* Levels */
.levels{margin-top:2rem}
.levels .card h3 span{display:block;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--orange-dk);margin-bottom:.25rem}

/* Pricing */
.price-card{display:flex;flex-direction:column}
.price-card .amount{font-size:2.5rem;font-weight:800;color:var(--navy);line-height:1;margin:.25rem 0 .75rem}
.price-card .amount small{font-size:1rem;color:var(--muted);font-weight:600}
.price-card ul{padding-left:1.15rem;margin:0 0 1.25rem}
.price-card li{margin-bottom:.35rem}
.price-card .btn{margin-top:auto;align-self:flex-start}
.price-card.featured{border:2px solid var(--orange);box-shadow:0 10px 30px rgba(227,107,44,.12)}
.tag{display:inline-block;background:var(--orange);color:#fff;font-size:.75rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:.25rem .6rem;border-radius:999px;align-self:flex-start;margin-bottom:.5rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin:0 0 1rem;padding:.9rem;background:var(--bg-soft);border-radius:10px;font-size:.95rem}
.split strong{display:block;color:var(--navy)}

/* Steps */
.steps{list-style:none;padding:0;margin:0;counter-reset:s;display:grid;gap:1.25rem;grid-template-columns:repeat(4,1fr)}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;position:relative}
.steps li::before{content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:.9rem}
@media (max-width:960px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* Area */
.area{display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;align-items:start}
@media (max-width:860px){.area{grid-template-columns:1fr}}
.pill-list{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.5rem}
.pill-list li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.4rem .9rem;font-weight:600;color:var(--navy);font-size:.95rem}

/* About */
.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:2.5rem;align-items:start}
@media (max-width:860px){.about{grid-template-columns:1fr}}
.cred-list{list-style:none;padding:0;margin:0}
.cred-list li{padding:.75rem 0;border-bottom:1px solid var(--line);display:flex;gap:.75rem}
.cred-list li::before{content:"✓";color:var(--orange-dk);font-weight:800}
.portrait{aspect-ratio:1/1;max-height:420px;border-radius:var(--radius);background:linear-gradient(160deg,var(--navy),#1c3a63);display:grid;place-items:center;color:#fff;text-align:center;padding:1.5rem}
.portrait img{width:120px;margin:0 auto 1rem}
.portrait strong{display:block;font-size:1.35rem}

/* Partners */
.partner-slot{border:2px dashed #c8d1dc;background:#fff;border-radius:var(--radius);padding:1.5rem;text-align:center;color:var(--muted)}
.partner-slot strong{display:block;color:var(--navy);margin-bottom:.25rem}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:.75rem}
.faq summary{cursor:pointer;padding:1.1rem 1.25rem;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--orange-dk)}
.faq details[open] summary::after{content:"−"}
.faq .answer{padding:0 1.25rem 1.1rem;color:var(--ink)}
.faq .answer p:last-child{margin-bottom:0}

/* Contact */
.contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:2.5rem}
@media (max-width:860px){.contact{grid-template-columns:1fr}}
.contact-methods{list-style:none;padding:0;margin:0 0 1.5rem}
.contact-methods li{margin-bottom:1rem}
.contact-methods a{font-size:1.25rem;font-weight:700;color:var(--navy);text-decoration:none}
.contact-methods a:hover{color:var(--orange-dk);text-decoration:underline}
.contact-methods span{display:block;font-size:.85rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;font-weight:700}
form .field{margin-bottom:1rem}
label{display:block;font-weight:650;color:var(--navy);margin-bottom:.35rem}
label .opt{font-weight:400;color:var(--muted);font-size:.9rem}
input,select,textarea{width:100%;font:inherit;padding:.75rem .85rem;border:1.5px solid #c3ccd7;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--navy);outline:3px solid rgba(227,107,44,.35);outline-offset:0}
textarea{min-height:120px;resize:vertical}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:0 1rem}
@media (max-width:560px){.form-row{grid-template-columns:1fr}}
.hidden{display:none}

/* CTA band */
.cta-band{background:var(--orange);color:var(--navy);padding:3rem 0}
.cta-band .wrap{display:flex;flex-wrap:wrap;gap:1.5rem;align-items:center;justify-content:space-between}
.cta-band h2{color:var(--navy);margin:0}


/* Footer */
.site-footer{background:#081d42;color:#b9c4d3;padding:3rem 0 2rem;font-size:.92rem}
.site-footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:2rem;margin-bottom:2rem}
@media (max-width:760px){.footer-grid{grid-template-columns:1fr}}
.site-footer .brand{color:#fff;margin-bottom:.75rem}
.site-footer h3{color:#fff;font-size:1rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.4rem}
.legal{border-top:1px solid rgba(255,255,255,.15);padding-top:1.5rem;font-size:.82rem;color:#93a1b5}

.simple-page{padding:4rem 0;min-height:60vh}
.simple-page .wrap{max-width:46rem}
@media (max-width:860px){.portrait{aspect-ratio:auto;padding:2rem 1.5rem}.portrait img{width:90px}}

/* v4 additions */
.hero .wrap{grid-template-columns:1.25fr .75fr}
.hero-logo{background:#fff;border-radius:var(--radius);padding:1.25rem;box-shadow:0 20px 50px rgba(0,0,0,.25);max-width:340px;justify-self:end}
@media (max-width:860px){.hero-logo{display:none}}
.detail{margin-top:2.5rem;display:grid;grid-template-columns:1.2fr .8fr;gap:1.5rem;align-items:start}
@media (max-width:860px){.detail{grid-template-columns:1fr}}
.detail ol{margin:0;padding-left:1.25rem}
.detail ol li{margin-bottom:.6rem}
.have-ready ul{margin:0;padding-left:1.15rem}
.steps.three{grid-template-columns:repeat(3,1fr)}
@media (max-width:860px){.steps.three{grid-template-columns:1fr}}
.service-card h3{display:flex;align-items:center;gap:.6rem}
.contact-under{margin-top:1rem;color:var(--muted)}
.site-footer .footer-logo{height:64px;width:auto;margin-bottom:.75rem}
.cta-band .btn-primary:hover{box-shadow:0 0 0 3px #fff}
.section.tight{padding:3.5rem 0}
.center-head{margin-inline:auto;text-align:center}
.about{grid-template-columns:260px 1fr;align-items:center}
.about .portrait{aspect-ratio:auto;padding:2rem 1.25rem}
.about .portrait img{width:100px}
.about p{font-size:1.15rem}
@media (max-width:860px){.about{grid-template-columns:1fr}.about .portrait{max-width:none}}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr}}
@media (max-width:640px){.hero .cta-row .btn{width:100%}}