:root{--navy:#10233f;--navy2:#18395f;--gold:#c7a66a;--ink:#1e293b;--muted:#65748b;--paper:#f6f8fb;--line:#e4e9f0;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.7}
a{color:inherit;text-decoration:none}.wrap{width:min(1160px,calc(100% - 44px));margin:auto}
.topbar{background:#0b1a30;color:#d8e1ec;font-size:12px;letter-spacing:.04em}.topbar .wrap{display:flex;justify-content:space-between;padding:9px 0;gap:15px;flex-wrap:wrap}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(16,35,63,.08)}
.nav{height:82px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{display:flex;align-items:center;gap:12px;color:var(--navy)}.brandmark{width:44px;height:44px;border-radius:13px;background:linear-gradient(145deg,var(--navy),#315b86);display:grid;place-items:center;color:#e7c98f;font-family:Georgia,serif;font-weight:700;font-size:19px;box-shadow:0 8px 18px #10233f22}.brand strong{display:block;font-size:19px;letter-spacing:.12em;line-height:1.1}.brand small{font-size:10px;color:#758197;letter-spacing:.19em;text-transform:uppercase}
nav{display:flex;align-items:center;gap:25px}nav a{font-size:13px;font-weight:650;color:#41516a;transition:.2s}nav a:hover,nav a.active{color:#b28b4e}.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--gold);color:#10233f;padding:13px 20px;border-radius:5px;font-weight:750;font-size:13px;letter-spacing:.02em;transition:.2s}.nav-cta:hover,.btn:hover{background:#d9bd8d;transform:translateY(-1px)}
.menu-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:8px;padding:9px 12px;font-size:20px;color:var(--navy)}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 78% 25%,#294b70 0,transparent 30%),linear-gradient(110deg,#09192f,#102b49);color:#fff}
.hero:after{content:"";position:absolute;inset:auto -7% -65% 52%;height:500px;border:1px solid #ffffff20;border-radius:50%;box-shadow:0 0 0 55px #ffffff08,0 0 0 110px #ffffff06}
.hero-inner{position:relative;z-index:1;min-height:560px;display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:65px;padding:75px 0}
.eyebrow{color:#d8bd8a;text-transform:uppercase;letter-spacing:.2em;font-size:11px;font-weight:800}.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(42px,5.3vw,68px);line-height:1.08;letter-spacing:-.035em;font-weight:500;margin:20px 0}.hero p{color:#d5dfeb;font-size:17px;max-width:650px}.hero-actions{display:flex;gap:14px;align-items:center;margin-top:30px;flex-wrap:wrap}.btn-outline{display:inline-flex;padding:12px 18px;border:1px solid #ffffff55;border-radius:5px;font-size:13px;font-weight:650;color:#fff}.hero-card{border:1px solid #ffffff2a;background:#ffffff0d;backdrop-filter:blur(10px);padding:30px;border-radius:12px;max-width:390px;justify-self:end}.hero-card .big{font:50px Georgia;color:#e3c68e}.hero-card h3{font:22px Georgia;margin:3px 0 10px}.hero-card p{font-size:14px;margin:0;color:#d1dbe8}
.trustbar{background:#f5f7fa;border-bottom:1px solid var(--line)}.trustbar .wrap{display:grid;grid-template-columns:repeat(4,1fr);padding:24px 0;gap:18px}.trust-item{display:flex;align-items:center;gap:12px;color:#41516a;font-size:12px;font-weight:750;letter-spacing:.07em;text-transform:uppercase}.trust-item span{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;background:#e9dfce;color:#8c6d3e;font-size:15px}
section{padding:88px 0}.section-kicker{color:#a98249;font-size:11px;letter-spacing:.2em;text-transform:uppercase;font-weight:800}.section-title{font:clamp(32px,4vw,46px)/1.16 Georgia,serif;color:var(--navy);margin:13px 0 18px;letter-spacing:-.025em}.lead{color:var(--muted);font-size:16px;max-width:720px}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.about-visual{min-height:390px;border-radius:12px;background:linear-gradient(145deg,#e9eef4,#cfd9e4);position:relative;overflow:hidden;padding:28px;display:flex;align-items:flex-end}.about-visual img{max-width:100%;max-height:330px;object-fit:contain;mix-blend-mode:multiply}.visual-caption{position:absolute;top:25px;left:28px;color:#53657b;font-size:11px;letter-spacing:.16em;text-transform:uppercase;font-weight:800}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:38px}.service-card{padding:28px;border:1px solid var(--line);border-radius:9px;background:#fff;transition:.25s}.service-card:hover{transform:translateY(-5px);box-shadow:0 18px 45px #10233f12;border-color:#d5c19e}.service-icon{width:45px;height:45px;border-radius:10px;background:#f3eee5;color:#9a7745;display:grid;place-items:center;font-size:20px}.service-card h3{font:22px Georgia;color:var(--navy);margin:18px 0 8px}.service-card p{font-size:14px;color:var(--muted);margin:0 0 15px}.text-link{font-size:12px;font-weight:800;color:#9a7745;letter-spacing:.07em;text-transform:uppercase}
.dark-band{background:var(--navy);color:#fff}.dark-band .section-title{color:#fff}.dark-band .lead{color:#c6d1df}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;margin-top:38px}.stat{border-left:2px solid var(--gold);padding:8px 0 8px 20px}.stat strong{display:block;font:30px Georgia;color:#e4c68d}.stat span{font-size:13px;color:#c6d1df}
.page-hero{background:linear-gradient(110deg,#10233f,#1b4168);color:white;padding:74px 0}.page-hero h1{font:clamp(38px,5vw,54px)/1.12 Georgia;margin:12px 0}.page-hero p{color:#d5dfeb;max-width:700px;margin:0}.content{padding:64px 0 90px}.content-card{max-width:900px}.content-card h2,.content-card h3{font-family:Georgia;color:var(--navy);margin-top:28px}.content-card p{color:#4f5f73}.content-card li{margin:7px 0;color:#4f5f73}.content-card table{border-collapse:collapse;width:100%;margin:20px 0}.content-card td,.content-card th{border:1px solid var(--line);padding:10px;text-align:left}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}.contact-card{padding:28px;border:1px solid var(--line);border-radius:10px}.contact-card h3{font:23px Georgia;color:var(--navy);margin-top:0}.contact-card p{color:var(--muted);font-size:14px}.contact-card a{color:#987544;font-weight:700}
footer{background:#09182b;color:#c4cfdd;padding:55px 0 22px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:45px}.footer-grid h4{color:#fff;font-size:13px;letter-spacing:.1em;text-transform:uppercase}.footer-grid p,.footer-grid a{font-size:13px;color:#b5c2d2}.footer-links{display:grid;gap:8px}.copyright{border-top:1px solid #ffffff1c;margin-top:35px;padding-top:18px;font-size:11px;color:#8494a9}
.notice{padding:15px 18px;border-left:3px solid var(--gold);background:#f8f5ef;color:#6a5a42;font-size:13px;margin:24px 0}
@media(max-width:850px){nav{display:none;position:absolute;top:82px;left:0;right:0;background:white;padding:20px 24px 26px;box-shadow:0 14px 25px #10233f12;flex-direction:column;align-items:flex-start;gap:16px}nav.open{display:flex}.menu-toggle{display:block}.nav-cta{display:none}.hero-inner{grid-template-columns:1fr;gap:35px;min-height:unset;padding:75px 0}.hero-card{justify-self:start}.trustbar .wrap{grid-template-columns:repeat(2,1fr)}.two-col{grid-template-columns:1fr;gap:35px}.grid3{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.wrap{width:min(100% - 32px,1160px)}.nav{height:72px}.brand strong{font-size:16px}.brandmark{width:40px;height:40px}nav{top:72px}.hero-inner{padding:58px 0}.hero h1{font-size:42px}.trustbar .wrap{gap:14px}.trust-item{font-size:10px}.grid3,.contact-grid,.stats,.footer-grid{grid-template-columns:1fr}section{padding:65px 0}.page-hero{padding:55px 0}.content{padding:45px 0 65px}}


/* MGA Associates identity refresh */
.brand{gap:0;min-width:max-content}
.brand strong{font-family:Georgia,"Times New Roman",serif;font-size:25px;letter-spacing:.025em;color:var(--navy)}
.brand small{display:none}
footer .brand strong{color:#fff!important}
.hero{background-color:#0b2038;background-image:linear-gradient(90deg,rgba(7,25,46,.98) 0%,rgba(9,34,59,.94) 37%,rgba(9,34,59,.38) 68%,rgba(9,34,59,.06) 100%),url("assets/hero-services.jpg");background-position:center,right center;background-size:cover}
.hero-inner{grid-template-columns:minmax(0,1fr);min-height:570px;max-width:1160px}
.hero-inner>div:first-child{max-width:650px}
.hero h1{max-width:660px}
.hero p{max-width:610px}
.hero-card{display:none}
@media(max-width:850px){
 .hero{background-image:linear-gradient(90deg,rgba(7,25,46,.96),rgba(9,34,59,.72)),url("assets/hero-services.jpg");background-position:center}
 .hero-inner{min-height:unset}
}
@media(max-width:560px){
 .brand strong{font-size:20px}
 .hero{background-position:58% center}
}

/* Approved MGA monogram and responsive CSS organisation chart */
.brand{display:flex;align-items:center;min-width:0}.brand img{display:block;width:142px;height:52px;object-fit:contain}footer .brand img{width:142px;height:52px}.org-visual{display:block;min-height:0;padding:58px 22px 24px;background:#f4f6f8;overflow-x:auto}.org-visual .visual-caption{top:20px}.org-chart{width:100%;min-width:700px;padding:18px 4px 8px;color:var(--navy)}.org-root{width:max-content;max-width:100%;margin:0 auto 36px;padding:15px 24px;border-radius:8px;background:var(--navy);color:#fff;text-align:center;font-weight:800;letter-spacing:.06em;position:relative;box-shadow:0 8px 20px #10233f1a}.org-root:after{content:"";position:absolute;left:50%;top:100%;height:19px;border-left:2px solid #c5a36e}.org-branches{display:grid;grid-template-columns:repeat(5,minmax(120px,1fr));gap:12px;position:relative;padding-top:18px}.org-branches:before{content:"";position:absolute;top:0;left:10%;right:10%;border-top:2px solid #c5a36e}.org-branch{position:relative;text-align:center}.org-branch:before{content:"";position:absolute;left:50%;top:-18px;height:18px;border-left:2px solid #c5a36e}.org-branch h3{min-height:54px;display:flex;align-items:center;justify-content:center;margin:0 0 12px;padding:9px 8px;border:1px solid #d8c39f;border-radius:7px;background:#fff;color:var(--navy);font-size:12px;line-height:1.35}.org-branch ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}.org-branch li{padding:10px 7px;border:1px solid #dce2e9;border-radius:6px;background:#fff;color:#46566b;font-size:12px;line-height:1.35;box-shadow:0 3px 10px #10233f08}.org-section{margin-top:50px;padding:0}.org-section .org-chart{margin-top:20px}@media(max-width:850px){.brand img,footer .brand img{width:124px;height:46px}.org-visual{padding:58px 16px 18px}}@media(max-width:560px){.brand img,footer .brand img{width:112px;height:42px}.org-chart{min-width:700px}}


/* Organisation chart: fluid layout with no horizontal scrolling */
.org-visual { overflow:visible; }
.org-chart { width:100%; min-width:0; max-width:100%; box-sizing:border-box; }
.org-root { width:fit-content; max-width:100%; box-sizing:border-box; white-space:normal; }
.org-branches { grid-template-columns:repeat(5,minmax(0,1fr)); gap:10px; }
.org-branch { min-width:0; }
.org-branch h3 { overflow-wrap:anywhere; word-break:normal; font-size:clamp(10px,1.05vw,12px); }
.org-branch li { overflow-wrap:anywhere; font-size:clamp(10px,1vw,12px); }
@media(max-width:760px) {
  .org-branches { grid-template-columns:repeat(2,minmax(0,1fr)); gap:12px; }
  .org-branches:before { display:none; }
  .org-branch:before { display:none; }
  .org-branch h3 { min-height:48px; font-size:12px; }
  .org-branch li { font-size:12px; }
}
@media(max-width:420px) {
  .org-visual { padding-left:12px; padding-right:12px; }
  .org-chart { padding-left:0; padding-right:0; }
  .org-root { font-size:12px; padding:12px 14px; }
  .org-branches { grid-template-columns:repeat(2,minmax(0,1fr)); gap:8px; }
  .org-branch h3 { padding:8px 5px; font-size:11px; }
  .org-branch li { padding:8px 5px; font-size:11px; }
}