.imgleft{float:left;margin-right:10px;}.imgright{float:right;margin-left:10px;}.tbl th,.tbl td{padding:15px;text-align:left;}.tbl{width:100%;}.tbl tr:nth-child(even){background-color:var(--gold);}.tbl tr:nth-child(odd){background-color:#fff;}.tbl th{background-color:var(--navy);color:white;}.ttltoc a{text-decoration:none;color:#4a4a4a;background-color:#f5f5f5}.ttltoc{text-align:left;font-weight:600;}.toc ul,.toc ol{margin-left:-30px;}.toc ul li,.toc ol li{list-style:none;margin-bottom:8px;}.toc ul li::before{content:'•';color:#4a4a4a;display:inline-block;width:1em;}.toc{color:#4a4a4a;background:#f6f6f6 none repeat scroll 0 0;border:1px solid #aaa;margin-bottom:1em;display:table;font-size:20px;width:auto;padding:18px;}.atoc::before{display:inline-block;padding-right:5px;content:'•';}.atoc{margin-bottom:5px;margin-left:17px;}
/* /style.css */

/* ===== THEME (from your icon: navy + gold, white background) ===== */
:root{
  --bg:#ffffff;
  --navy:#12335f;
  --gold:#f0c020;
  --text:#0b1b33;
  --muted:#586784;
  --border:#e7eaf0;
  --shadow:0 10px 24px rgba(18,51,95,.12);
  --radius:14px;
  --max:1400px;
}

/* ===== BASE ===== */
*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  background:var(--bg);
font-size:18px;
  color:var(--text);
  line-height:1.5;
}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
img{display:block;max-width:100%;height:auto}
ul{padding-left:18px}
p{margin:0 0 12px}

/* accessibility */
.skip-link{
  position:absolute;
  left:-999px;
  top:10px;
  z-index:9999;
  background:var(--navy);
  color:#fff;
  padding:10px 12px;
  border-radius:10px;
}
.skip-link:focus{left:10px}

/* ===== FLOATING PHONE ===== */
.floating-phone{
  position:fixed;
  right:16px;
  bottom:16px;
  z-index:9998;
  display:flex;
  align-items:center;
  gap:10px;
  padding:10px 12px;
  border:1px solid var(--border);
  border-radius:999px;
  background:#fff;
  box-shadow:var(--shadow);
}
.phone-emoji{font-size:18px}
.phone-link{font-weight:900;letter-spacing:.2px}
.phone-link:hover{text-decoration:none}
.floating-phone:focus-within{
  outline:3px solid rgba(240,192,32,.35);
  outline-offset:2px;
}

/* ===== HEADER ===== */
.site-header{
  background:#fff;
  border-bottom:1px solid var(--border);
}

/* IMPORTANT: keep overflow visible so dropdowns can show */
.site-header,
.header-inner,
.header-right,
.header-grid,
.menu-stack,
.nav-wrap{overflow:visible}

.header-inner{
  max-width:var(--max);
  margin:0 auto;
  padding:14px 16px 12px;
  display:grid;
  grid-template-columns:auto 1fr;
  gap:18px;
  align-items:start;
}

/* logo */
.brand{min-width:0}
.brand-link{display:inline-flex;align-items:center}
.logo{width:550px;max-width:100%;height:auto}

/* right side: menu + click-to-call under it, social rail far right */
.header-right{
  min-width:0;
  display:flex;
  flex-direction:column;
  gap:10px;
}

.header-grid{
  display:grid;
  grid-template-columns:1fr 48px;
  gap:12px;
  align-items:start;
}

.menu-stack{
  min-width:0;
  display:flex;
  flex-direction:column;
  gap:10px;
}

/* ===== NAV (DESKTOP ONE LINE + WORKING DROPDOWNS) ===== */
.nav-wrap{position:relative;min-width:0}

.nav-toggle{
  position:absolute;
  opacity:0;
  pointer-events:none;
}

.nav-toggle-btn{
  display:none;
  user-select:none;
  cursor:pointer;
  border:1px solid var(--border);
  background:#fff;
  border-radius:12px;
  padding:10px 12px;
  align-items:center;
  justify-content:center;
  gap:10px;
}
.bars{
  width:18px;
  height:12px;
  position:relative;
  border-top:2px solid var(--navy);
}
.bars::after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:0;
  height:2px;
  background:var(--navy);
  border-radius:2px;
}
.menu-text{font-weight:900;color:var(--navy)}

.site-nav{min-width:0}

/* DO NOT use overflow:hidden here (it breaks dropdowns) */
.site-nav .menu{
  list-style:none;
  margin:0;
  padding:0;
  display:flex;
  align-items:center;
  justify-content:flex-end;
  gap:16px;

  flex-wrap:nowrap;
  white-space:nowrap;

  overflow:visible;
}

.site-nav .menu > li{position:relative}

.site-nav a{
  display:inline-flex;
  align-items:center;
  padding:10px 10px;
  border-radius:12px;
  border:1px solid transparent;
  font-weight:900;
  letter-spacing:.15px;
  color:var(--navy);
  background:transparent;
  font-size:clamp(12px,1.05vw,15px);
}

.site-nav a:hover{
  text-decoration:none;
  background:rgba(240,192,32,.10);
  border-color:rgba(18,51,95,.18);
}

/* dropdown */
.has-sub > a::after{
  content:"▾";
  font-size:12px;
  margin-left:6px;
  opacity:.85;
}

/* dropdown panel */
.sub{
  list-style:none;
  margin:0;
  padding:10px;

  position:absolute;
  top:100%;
  right:0;

  min-width:230px;
  max-height:62vh;
  overflow:auto;

  border:1px solid var(--border);
  border-radius:14px;
  background:#fff;
  box-shadow:var(--shadow);

  display:none;
  z-index:9999;

  white-space:normal;
}

/* open on hover and keyboard focus */
.has-sub:hover > .sub{display:block}
.has-sub:focus-within > .sub{display:block}

.sub li a{
  width:100%;
  justify-content:flex-start;
  padding:10px 10px;
  border-radius:12px;
  font-weight:800;
  color:var(--text);
  font-size:14px;
}

.sub li a:hover{
  background:rgba(240,192,32,.12);
  border-color:transparent;
}

/* ===== CLICK TO CALL (UNDER MENU) ===== */
.cta-row{
  display:flex;
  justify-content:flex-end;
  align-items:center;
}

.cta-img-link{
  display:inline-flex;
  border-radius:14px;
  overflow:hidden;
  border:1px solid var(--border);
  background:#fff;
  box-shadow:0 8px 18px rgba(18,51,95,.10);
}
.cta-img-link:hover{text-decoration:none}
.cta-img{width:400px;max-width:100%;height:auto}

/* ===== SOCIAL RAIL (RIGHT SIDE) ===== */
.social-rail{
  display:flex;
  flex-direction:column;
  gap:10px;
  align-items:stretch;
}

.social-btn{
  width:48px;
  height:48px;
  display:grid;
  place-items:center;
  border-radius:14px;
  border:1px solid var(--border);
  background:#fff;
  box-shadow:0 8px 18px rgba(18,51,95,.08);
}

.social-btn:hover{
  text-decoration:none;
  background:rgba(240,192,32,.12);
}

.social-btn:focus{
  outline:3px solid rgba(240,192,32,.35);
  outline-offset:2px;
}

.social-ico{width:22px;height:22px;fill:var(--navy)}

/* ===== LAYOUT: MAIN + SIDEBAR ===== */
.page{
  max-width:var(--max);
  margin:0 auto;
  padding:16px 16px 26px;
  display:grid;
  grid-template-columns:1fr 320px;
  gap:16px;
  align-items:start;
}

.main{
  border:1px solid var(--border);
  border-radius:var(--radius);
  background:#fff;
  box-shadow:0 10px 22px rgba(18,51,95,.06);
  padding:18px;
}

.main h1{
  margin:0 0 10px;
  font-size:clamp(24px,2.6vw,34px);
  letter-spacing:.2px;
  color:var(--navy);
}

.content-placeholder{
  border-top:1px dashed rgba(18,51,95,.18);
  padding-top:12px;
  color:var(--muted);
}

/* sidebar widgets */
.sidebar{
  display:flex;
  flex-direction:column;
  gap:14px;
}

.widget{
  border:1px solid var(--border);
  border-radius:var(--radius);
  background:#fff;
  box-shadow:0 10px 22px rgba(18,51,95,.06);
  padding:14px;
}

.widget h2{
  margin:0 0 10px;
  font-size:16px;
  color:var(--navy);
}

.sr-only{
  position:absolute;
  width:1px;
  height:1px;
  padding:0;
  margin:-1px;
  overflow:hidden;
  clip:rect(0,0,0,0);
  white-space:nowrap;
  border:0;
}

.search-form{
  display:grid;
  grid-template-columns:1fr auto;
  gap:10px;
}

input,textarea{
  width:100%;
  padding:10px 12px;
  border-radius:12px;
  border:1px solid var(--border);
  background:#fff;
  color:var(--text);
  outline:none;
  font:inherit;
}

input:focus,textarea:focus{
  outline:3px solid rgba(240,192,32,.35);
  outline-offset:2px;
}

button{
  padding:10px 12px;
  border-radius:12px;
  border:1px solid rgba(18,51,95,.18);
  background:var(--navy);
  color:#fff;
  font-weight:900;
  cursor:pointer;
}

button:hover{filter:brightness(1.06)}
button:focus{
  outline:3px solid rgba(240,192,32,.35);
  outline-offset:2px;
}

.contact-list{
  list-style:none;
  margin:0;
  padding:0;
  display:flex;
  flex-direction:column;
  gap:8px;
}

.label{color:var(--muted);font-weight:900;margin-right:6px}

.map-wrap{
  border:1px solid var(--border);
  border-radius:14px;
  overflow:hidden;
  background:#fff;
}

.map{
  width:100%;
  height:220px;
  border:0;
  display:block;
}

.quote-form{
  display:flex;
  flex-direction:column;
  gap:8px;
}

.quote-form label{
  font-weight:900;
  color:var(--muted);
  font-size:13px;
}

.quote-form button{margin-top:6px}

.payments{
  width:100%;
  height:auto;
  border:1px solid var(--border);
  border-radius:14px;
  background:#fff;
}

/* ===== FOOTER ===== */
.site-footer{
  background:#fff;
  border-top:1px solid var(--border);
}

.footer-inner{
  max-width:var(--max);
  margin:0 auto;
  padding:18px 16px;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
  align-items:start;
}

.footer-col h2{
  margin:0 0 8px;
  font-size:15px;
  color:var(--navy);
}

.footer-col p{margin:0;color:var(--muted)}

.footer-links{
  list-style:none;
  margin:0;
  padding:0;
  display:flex;
  flex-wrap:wrap;
  gap:10px;
}

.footer-links a{
  display:inline-flex;
  padding:8px 10px;
  border-radius:12px;
  border:1px solid transparent;
  font-weight:900;
}

.footer-links a:hover{
  text-decoration:none;
  background:rgba(240,192,32,.10);
  border-color:rgba(18,51,95,.18);
}

.footer-copy{
  grid-column:1 / -1;
  border-top:1px dashed rgba(18,51,95,.18);
  padding-top:12px;
}

/* ===== RESPONSIVE ===== */
@media (max-width:1100px){
  :root{--max:1200px}
  .site-nav .menu{gap:12px}
  .site-nav a{padding:9px 8px}
}

@media (max-width:860px){
  .header-inner{
    grid-template-columns:1fr;
    gap:12px;
  }

  .header-grid{
    grid-template-columns:1fr 48px;
  }

  .nav-toggle-btn{
    display:inline-flex;
    justify-content:flex-end;
  }

  .site-nav{display:none}

  .site-nav .menu{
    justify-content:flex-start;
    flex-direction:column;
    align-items:stretch;
    gap:6px;
    padding:10px;
    border:1px solid var(--border);
    border-radius:14px;
    background:#fff;
    box-shadow:var(--shadow);
    white-space:normal;
  }

  .nav-toggle:checked ~ .site-nav{display:block}

  .has-sub > a::after{content:""}

  .has-sub .sub{
    position:static;
    display:block;
    box-shadow:none;
    border:0;
    padding:0 0 0 10px;
    max-height:none;
  }

  .has-sub > a{
    background:rgba(240,192,32,.10);
    border-color:rgba(18,51,95,.12);
  }

  .cta-row{justify-content:center}
  .cta-img{width:280px}

  .page{grid-template-columns:1fr}

  .floating-phone{
    left:12px;
    right:12px;
    justify-content:center;
  }

  .logo{width:320px}
}

@media (max-width:420px){
  .social-btn{width:46px;height:46px}
  .cta-img{width:260px}
}