:root {
  --red: #b91c2b;
  --blue: #1d4e9a;
  --navy: #14305e;
  --ink: #1f2933;
  --muted: #5b6672;
  --line: #e3e8ee;
  --bg: #ffffff;
  --bg-soft: #f5f7fa;
  --max: 1080px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; color: var(--ink); background: var(--bg);
  font: 17px/1.6 "Segoe UI", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
}
a { color: var(--blue); }
img { max-width: 100%; height: auto; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* header */
.top { border-bottom: 1px solid var(--line); background: #fff; position: sticky; top: 0; z-index: 10; }
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--red); font-weight: 700; font-size: 1.15rem; }
.brand img { height: 52px; width: auto; }
nav a { color: var(--navy); text-decoration: none; margin-left: 22px; font-weight: 600; font-size: .95rem; }
nav a:hover { color: var(--red); }
.call { background: var(--red); color: #fff !important; padding: 8px 14px; border-radius: 6px; }
.call:hover { background: #971523; }
@media (max-width: 720px) { nav a:not(.call) { display: none; } }

/* hero */
.hero { background: linear-gradient(180deg, #f8fafc 0%, #fff 100%); border-bottom: 1px solid var(--line); }
.hero .wrap { display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center; padding: 56px 20px; }
.hero h1 { font-size: 2.4rem; line-height: 1.15; margin: 0 0 14px; color: var(--navy); }
.hero h1 span { color: var(--red); }
.hero p.lead { font-size: 1.15rem; color: var(--muted); margin: 0 0 24px; }
.btn { display: inline-block; background: var(--blue); color: #fff; text-decoration: none; padding: 12px 20px; border-radius: 6px; font-weight: 600; }
.btn.alt { background: #fff; color: var(--blue); border: 2px solid var(--blue); margin-left: 8px; }
.hero .logo { text-align: center; }
.hero .logo img { max-width: 420px; }
@media (max-width: 820px) { .hero .wrap { grid-template-columns: 1fr; text-align: center; padding-top: 32px; } .hero .logo { order: -1; } .hero .logo img { max-width: 260px; } }

/* the "VA contract only" callout - the single most important fact on the page */
.notice { background: #fff6f6; border-left: 4px solid var(--red); border-radius: 0 6px 6px 0;
          padding: 12px 16px; margin: 0 0 24px; color: #4a3b3b; font-size: .97rem; }
.notice.mt { margin-top: 26px; margin-bottom: 0; }
.hero .notice { text-align: left; }

footer .disclaimer { margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--line);
                     font-size: .82rem; line-height: 1.5; color: #7b8794; display: block; }

/* sections */
section { padding: 56px 0; }
section.soft { background: var(--bg-soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
h2 { font-size: 1.8rem; color: var(--navy); margin: 0 0 8px; }
.sub { color: var(--muted); margin: 0 0 28px; }
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 820px) { .grid { grid-template-columns: 1fr; } }
.card { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 22px; }
.card h3 { margin: 0 0 8px; color: var(--red); font-size: 1.1rem; }
.card p { margin: 0; color: var(--muted); font-size: .98rem; }
.bar { height: 4px; width: 56px; background: linear-gradient(90deg, var(--red), var(--blue)); border-radius: 2px; margin-bottom: 14px; }

/* contact */
.contact { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; }
@media (max-width: 720px) { .contact { grid-template-columns: 1fr; } }
.contact .big { font-size: 1.6rem; font-weight: 700; color: var(--navy); text-decoration: none; display: block; }
.contact small { color: var(--muted); }
dl { margin: 0; }
dt { font-weight: 700; color: var(--navy); margin-top: 12px; }
dd { margin: 2px 0 0; color: var(--muted); }

/* footer */
footer { border-top: 1px solid var(--line); padding: 26px 0; color: var(--muted); font-size: .9rem; }
footer .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; }
footer a { color: var(--muted); margin-right: 16px; }

/* policy pages */
.doc { max-width: 780px; margin: 0 auto; padding: 40px 20px 60px; }
.doc h1 { color: var(--navy); font-size: 1.9rem; margin-bottom: 4px; }
.doc .updated { color: var(--muted); font-size: .9rem; margin-bottom: 24px; }
.doc h2 { font-size: 1.25rem; margin-top: 28px; }
.doc p, .doc li { color: #2f3a45; }