* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: Arial, Helvetica, sans-serif;
  font-size: 15px;
  line-height: 1.6;
  color: #2b2b2b;
  background: #f4f1e8;
}

.wrap {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Top utility bar */
.topbar {
  background: #0f2438;
  border-bottom: 1px solid #2c4a66;
  font-size: 12px;
  color: #c9d4de;
}

.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 6px;
  padding-bottom: 6px;
}

.login-btn {
  font-family: Arial, Helvetica, sans-serif;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: #12293f;
  background: linear-gradient(#d9b04c, #b8891c);
  border: 1px solid #8f6a14;
  padding: 4px 12px;
  cursor: pointer;
}

.login-btn:hover {
  background: linear-gradient(#e3bd5f, #c99b2e);
}

/* Masthead */
.masthead {
  background: linear-gradient(#1d3f60, #12293f);
  padding: 28px 0 22px;
  border-bottom: 3px solid #b8891c;
}

.logo {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 38px;
  color: #f4f1e8;
  letter-spacing: 1px;
}

.logo .amp {
  color: #d9b04c;
  font-style: italic;
}

.tagline {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 3px;
  color: #a8b8c6;
  margin-top: 4px;
}

/* Navigation */
.mainnav {
  background: #223c54;
  border-bottom: 1px solid #0f2438;
}

.mainnav .wrap {
  display: flex;
  flex-wrap: wrap;
}

.mainnav a {
  display: block;
  color: #e8e2d2;
  text-decoration: none;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 12px 18px;
  border-right: 1px solid #33506b;
}

.mainnav a:first-child {
  border-left: 1px solid #33506b;
}

.mainnav a:hover {
  background: #1a3049;
  color: #d9b04c;
}

.login-note {
  background: #fbf6e3;
  border-bottom: 1px solid #d9c98a;
  color: #6b5410;
  font-size: 13px;
}

.login-note .wrap {
  padding-top: 10px;
  padding-bottom: 10px;
}

/* Hero */
.hero {
  background: #16324c;
  color: #e8e2d2;
  padding: 46px 0;
  border-bottom: 1px solid #0f2438;
}

.hero h1 {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 30px;
  font-weight: normal;
  color: #ffffff;
  margin-bottom: 12px;
  max-width: 640px;
}

.hero p {
  max-width: 620px;
  margin-bottom: 20px;
  color: #c9d4de;
}

.cta {
  display: inline-block;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: #12293f;
  background: linear-gradient(#d9b04c, #b8891c);
  border: 1px solid #8f6a14;
  padding: 10px 24px;
  text-decoration: none;
}

.cta:hover {
  background: linear-gradient(#e3bd5f, #c99b2e);
}

/* Main content */
.main-content {
  background: #ffffff;
  border-left: 1px solid #d6cfbe;
  border-right: 1px solid #d6cfbe;
  padding: 10px 40px 40px;
}

.main-content section {
  padding-top: 34px;
}

.main-content h2 {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 24px;
  font-weight: normal;
  color: #16324c;
  border-bottom: 3px double #b8891c;
  padding-bottom: 8px;
  margin-bottom: 16px;
}

.main-content p {
  margin-bottom: 14px;
}

.section-intro {
  font-style: italic;
  color: #5a5a5a;
}

/* Stats */
.stats {
  display: flex;
  gap: 16px;
  margin-top: 22px;
}

.stat {
  flex: 1;
  background: #f4f1e8;
  border: 1px solid #d6cfbe;
  text-align: center;
  padding: 18px 12px;
}

.stat-num {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 32px;
  color: #b8891c;
}

.stat-label {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: #16324c;
  margin-top: 6px;
}

/* Lines of business */
.lob-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 20px;
}

.lob {
  background: #fdfcf8;
  border: 1px solid #d6cfbe;
  border-left: 4px solid #b8891c;
  padding: 16px 18px;
}

.lob h3 {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 17px;
  font-weight: normal;
  color: #16324c;
  margin-bottom: 6px;
}

.lob p {
  font-size: 14px;
  color: #444444;
  margin-bottom: 0;
}

/* Form */
#contactForm {
  background: #f4f1e8;
  border: 1px solid #d6cfbe;
  padding: 24px;
  margin-top: 8px;
}

.form-row {
  display: flex;
  gap: 16px;
}

.form-field {
  flex: 1;
  margin-bottom: 14px;
}

.form-field label {
  display: block;
  font-size: 13px;
  font-weight: bold;
  color: #16324c;
  margin-bottom: 4px;
}

.optional {
  font-weight: normal;
  color: #777777;
}

.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 14px;
  padding: 8px;
  border: 1px solid #b5ad99;
  background: #ffffff;
  color: #2b2b2b;
}

.form-field textarea {
  resize: vertical;
}

.submit-btn {
  font-family: Arial, Helvetica, sans-serif;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: #12293f;
  background: linear-gradient(#d9b04c, #b8891c);
  border: 1px solid #8f6a14;
  padding: 12px 28px;
  cursor: pointer;
}

.submit-btn:hover {
  background: linear-gradient(#e3bd5f, #c99b2e);
}

.thanks {
  background: #f0f5ec;
  border: 1px solid #b9ccab;
  padding: 24px;
  margin-top: 8px;
}

.thanks h3 {
  font-family: Georgia, 'Times New Roman', serif;
  font-weight: normal;
  color: #2e5024;
  margin-bottom: 8px;
}

.thanks p {
  margin-bottom: 0;
}

/* Footer */
footer {
  background: #0f2438;
  border-top: 3px solid #b8891c;
  color: #a8b8c6;
  font-size: 13px;
  text-align: center;
  padding: 30px 0;
}

.footer-name {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 18px;
  color: #e8e2d2;
  margin-bottom: 8px;
}

footer p {
  margin-bottom: 6px;
}

.copyright {
  margin-top: 14px;
  font-size: 12px;
  color: #6f8296;
}

/* Small screens */
@media (max-width: 720px) {
  .mainnav .wrap {
    flex-direction: column;
  }

  .mainnav a,
  .mainnav a:first-child {
    border: none;
    border-bottom: 1px solid #33506b;
  }

  .main-content {
    padding: 10px 20px 30px;
  }

  .stats,
  .form-row {
    flex-direction: column;
  }

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

  .topbar-inner {
    flex-direction: column;
    gap: 6px;
  }
}