/* Smith & Cummings — smithandcummings.com
   Brand: navy #0E2A47 · cyan #29B6E5 · white. Restraint: serif display, clean sans body. */

:root {
  --navy: #0E2A47;
  --cyan: #29B6E5;
  --ink: #1a2732;
  --muted: #5b6b7a;
  --line: #e3e9ee;
  --bg: #ffffff;
  --bg-soft: #f6f9fb;
}

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, .serif {
  font-family: 'Cormorant Garamond', Georgia, serif;
  color: var(--navy);
  font-weight: 600;
  line-height: 1.15;
}

img { max-width: 100%; display: block; }
a { color: var(--navy); }

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 24px; }

/* Header */
header {
  border-bottom: 1px solid var(--line);
  background: var(--bg);
  position: sticky; top: 0; z-index: 50;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 0;
}
.brand { text-decoration: none; }
.brand .mark {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: 1.45rem; letter-spacing: 0.06em; color: var(--navy);
  font-weight: 700;
}
.brand .mark span { color: var(--cyan); }
.brand .sub {
  font-size: 0.68rem; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--muted);
}
nav { display: flex; gap: 26px; align-items: center; }
nav a {
  text-decoration: none; color: var(--ink); font-size: 0.92rem;
  letter-spacing: 0.04em; padding: 4px 0;
  border-bottom: 2px solid transparent;
}
nav a:hover, nav a.active { color: var(--navy); border-bottom-color: var(--cyan); }
nav a.cta {
  background: var(--navy); color: #fff; padding: 10px 20px; border-radius: 3px;
  border-bottom: none;
}
nav a.cta:hover { background: #16395c; }

/* Hero */
.hero { padding: 96px 0 88px; text-align: center; }
.hero .rule {
  width: 56px; height: 3px; background: var(--cyan); margin: 0 auto 28px;
}
.hero h1 { font-size: clamp(2.4rem, 6vw, 4rem); margin-bottom: 18px; }
.hero p.lead {
  font-size: 1.15rem; color: var(--muted); max-width: 620px; margin: 0 auto 36px;
}
.btn-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn {
  display: inline-block; text-decoration: none; font-size: 0.95rem;
  padding: 14px 30px; border-radius: 3px; letter-spacing: 0.04em;
}
.btn.primary { background: var(--navy); color: #fff; }
.btn.primary:hover { background: #16395c; }
.btn.ghost { border: 1px solid var(--navy); color: var(--navy); }
.btn.ghost:hover { background: var(--bg-soft); }

/* Sections */
section.band { padding: 72px 0; }
section.band.soft { background: var(--bg-soft); }
.section-head { text-align: center; margin-bottom: 44px; }
.section-head h2 { font-size: clamp(1.7rem, 4vw, 2.4rem); margin-bottom: 10px; }
.section-head p { color: var(--muted); max-width: 560px; margin: 0 auto; }

.cols-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.cols-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 40px; }
@media (max-width: 800px) { .cols-3, .cols-2 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: 4px;
  padding: 32px 28px;
}
.card h3 { font-size: 1.35rem; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 0.95rem; }
.card .more { display: inline-block; margin-top: 14px; color: var(--navy); font-size: 0.9rem; }

/* Agent cards */
.agent-card { text-align: center; }
.agent-card .photo {
  width: 160px; height: 160px; border-radius: 50%; object-fit: cover;
  object-position: top; margin: 0 auto 18px; border: 3px solid var(--line);
}
.agent-card h3 { font-size: 1.5rem; }
.agent-card .role { color: var(--cyan); font-size: 0.8rem; letter-spacing: 0.18em; text-transform: uppercase; margin: 4px 0 12px; }
.agent-card p { color: var(--muted); font-size: 0.95rem; }
.agent-card .contact { margin-top: 12px; font-size: 0.92rem; }
.agent-card .contact a { text-decoration: none; }

/* Forms */
form.intake { max-width: 640px; margin: 0 auto; }
.field { margin-bottom: 20px; }
.field label {
  display: block; font-size: 0.85rem; letter-spacing: 0.05em;
  color: var(--navy); margin-bottom: 6px; font-weight: 600;
}
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line);
  border-radius: 3px; font-size: 1rem; font-family: inherit; background: #fff;
  color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--cyan);
}
.field textarea { min-height: 110px; resize: vertical; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 600px) { .field-row { grid-template-columns: 1fr; } }
form.intake button {
  background: var(--navy); color: #fff; border: none; padding: 15px 36px;
  font-size: 1rem; border-radius: 3px; cursor: pointer; letter-spacing: 0.04em;
  font-family: inherit;
}
form.intake button:hover { background: #16395c; }
.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 14px; text-align: center; }

/* Steps */
.steps { counter-reset: step; max-width: 720px; margin: 0 auto; }
.step {
  display: flex; gap: 20px; padding: 22px 0; border-bottom: 1px solid var(--line);
}
.step:last-child { border-bottom: none; }
.step .num {
  counter-increment: step; flex-shrink: 0; width: 44px; height: 44px;
  border: 1px solid var(--cyan); border-radius: 50%; color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Cormorant Garamond', Georgia, serif; font-size: 1.3rem; font-weight: 700;
}
.step .num::before { content: counter(step); }
.step h3 { font-size: 1.2rem; margin-bottom: 4px; }
.step p { color: var(--muted); font-size: 0.95rem; }

/* CTA band */
.cta-band { background: var(--navy); color: #fff; text-align: center; padding: 64px 0; }
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 4vw, 2.2rem); margin-bottom: 12px; }
.cta-band p { color: #b9c9d8; margin-bottom: 28px; }
.cta-band .btn.primary { background: var(--cyan); color: var(--navy); font-weight: 600; }
.cta-band .btn.primary:hover { background: #4cc4ea; }

/* Footer */
footer { background: var(--bg-soft); border-top: 1px solid var(--line); padding: 48px 0 36px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 36px; margin-bottom: 32px; }
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr; } }
footer h4 { font-size: 0.8rem; letter-spacing: 0.18em; text-transform: uppercase; color: var(--navy); margin-bottom: 12px; }
footer p, footer li { font-size: 0.88rem; color: var(--muted); }
footer ul { list-style: none; }
footer li { margin-bottom: 8px; }
footer a { color: var(--muted); text-decoration: none; }
footer a:hover { color: var(--navy); }
.footer-legal {
  border-top: 1px solid var(--line); padding-top: 24px;
  display: flex; align-items: center; gap: 18px; flex-wrap: wrap;
}
.footer-legal img.uerg { height: 44px; width: auto; }
.footer-legal .eho { flex-shrink: 0; }
.footer-legal p { font-size: 0.78rem; color: var(--muted); flex: 1; min-width: 260px; }

/* Page hero (interior pages) */
.page-hero { background: var(--bg-soft); padding: 64px 0 52px; text-align: center; border-bottom: 1px solid var(--line); }
.page-hero h1 { font-size: clamp(2rem, 5vw, 3rem); margin-bottom: 12px; }
.page-hero p { color: var(--muted); max-width: 560px; margin: 0 auto; }

@media (max-width: 700px) {
  nav { gap: 16px; }
  nav a:not(.cta):not(.active) { display: none; }
  .hero { padding: 64px 0 56px; }
}