:root{
  --navy:#0b2b5a;
  --blue:#1556a8;
  --blue-2:#eaf3ff;
  --red:#d81f35;
  --ink:#172338;
  --muted:#5f6f85;
  --line:#dce5f0;
  --soft:#f6f9fd;
  --white:#fff;
  --gold:#c7932e;
  --shadow:0 18px 50px rgba(14,43,86,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--white);line-height:1.58}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button,input,textarea,select{font:inherit}
.container{width:min(1180px,calc(100% - 34px));margin-inline:auto}
.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:12px;top:12px;background:#fff;padding:10px 14px;z-index:9999;border-radius:8px;box-shadow:var(--shadow)}
.topbar{background:var(--navy);color:#fff;font-size:.88rem}.topbar .container{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:8px 0}.topbar a{opacity:.94}.topbar a:hover{text-decoration:underline}
.site-header{position:sticky;top:0;z-index:200;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:24px}.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--navy)}.brand-mark{width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--blue));display:grid;place-items:center;color:white;position:relative;overflow:hidden}.brand-mark:after{content:"";position:absolute;bottom:0;right:0;width:18px;height:100%;background:var(--red);transform:skewX(-16deg) translateX(7px)}.brand-mark span{position:relative;z-index:1;font-size:1.1rem}.brand-copy small{display:block;font-weight:700;color:var(--muted);font-size:.72rem;letter-spacing:.04em}.nav{display:flex;align-items:center;gap:4px}.nav a{padding:10px 11px;border-radius:9px;font-weight:700;color:#33455f;font-size:.92rem}.nav a:hover,.nav a[aria-current="page"]{background:var(--blue-2);color:var(--navy)}.nav .join{background:var(--red);color:#fff}.nav .join:hover{background:#b8172a;color:#fff}.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 11px;color:var(--navy);font-weight:800}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 80% 15%,rgba(21,86,168,.16),transparent 30%),linear-gradient(135deg,#f6f9ff 0%,#fff 52%,#fff4f5 100%);border-bottom:1px solid var(--line)}.hero:before{content:"";position:absolute;inset:auto -10% -160px 45%;height:320px;background:linear-gradient(90deg,transparent,rgba(216,31,53,.08),rgba(21,86,168,.10));transform:rotate(-8deg)}.hero-grid{position:relative;display:grid;grid-template-columns:1.25fr .75fr;gap:56px;align-items:center;padding:78px 0 68px}.eyebrow{font-size:.78rem;letter-spacing:.15em;text-transform:uppercase;font-weight:900;color:var(--red);margin:0 0 12px}.hero h1,.page-hero h1{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:clamp(2.6rem,5vw,5rem);line-height:.98;letter-spacing:-.03em;margin:.1em 0 .24em}.hero h1 span{color:var(--red)}.lead{font-size:clamp(1.05rem,2vw,1.26rem);color:#43546e;max-width:720px}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:11px 17px;border-radius:11px;font-weight:850;border:1px solid transparent}.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:#071f44}.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:#b8172a}.btn-outline{border-color:#b9c7d9;background:#fff;color:var(--navy)}.btn-outline:hover{border-color:var(--navy)}
.hero-panel{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:24px;padding:28px}.flagline{height:6px;border-radius:99px;background:linear-gradient(90deg,#153e92 0 33.33%,#fff 33.33% 66.66%,#d81f35 66.66%);border:1px solid #e3e8ef;margin-bottom:24px}.hero-panel h2{margin:0;color:var(--navy);font-size:1.45rem}.region-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:20px 0}.region{background:var(--soft);border:1px solid var(--line);padding:14px 8px;border-radius:14px;text-align:center;font-weight:800;color:var(--navy)}.hero-panel .mini{font-size:.93rem;color:var(--muted)}
.section{padding:68px 0}.section.soft{background:var(--soft)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:28px}.section-head h2{margin:0;color:var(--navy);font-size:clamp(1.8rem,3vw,2.8rem);letter-spacing:-.025em}.section-head p{max-width:650px;color:var(--muted);margin:.4rem 0 0}.section-head .link{font-weight:800;color:var(--blue);white-space:nowrap}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 8px 30px rgba(20,54,98,.06)}.card .tag{display:inline-flex;padding:5px 9px;border-radius:99px;background:var(--blue-2);color:var(--blue);font-size:.73rem;font-weight:900;text-transform:uppercase;letter-spacing:.06em}.card h3{color:var(--navy);font-size:1.28rem;margin:13px 0 8px}.card p{color:var(--muted);margin:0 0 16px}.card a.more{font-weight:850;color:var(--blue)}.card.feature{border-top:4px solid var(--red)}
.news-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:22px}.news-main{background:var(--navy);color:#fff;border-radius:24px;padding:30px;position:relative;overflow:hidden}.news-main:after{content:"";position:absolute;width:260px;height:260px;border:55px solid rgba(255,255,255,.08);border-radius:50%;right:-90px;top:-90px}.news-main h3{font-size:2rem;margin:8px 0 10px;position:relative;z-index:1}.news-main p{color:#dbe7f8;max-width:620px;position:relative;z-index:1}.news-side{display:grid;gap:16px}.notice{background:#fff;border:1px solid var(--line);border-left:5px solid var(--red);border-radius:16px;padding:20px}.notice h4{margin:0 0 6px;color:var(--navy)}.notice p{margin:0;color:var(--muted)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}.media-card{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}.media-card img{width:100%;object-fit:cover}.media-card .caption{padding:18px 20px;color:var(--muted)}.copy h2{color:var(--navy);font-size:clamp(2rem,3vw,3rem);line-height:1.08;margin:0 0 16px}.copy h3{color:var(--navy)}.copy p,.copy li{color:var(--muted)}
.checks{display:grid;gap:10px;padding:0;list-style:none}.checks li{display:flex;gap:10px}.checks li:before{content:"✓";color:var(--red);font-weight:950}.pill-row{display:flex;flex-wrap:wrap;gap:9px;margin:20px 0}.pill{background:var(--blue-2);color:var(--navy);border:1px solid #cfe0f5;border-radius:999px;padding:7px 11px;font-weight:750;font-size:.88rem}
.page-hero{background:linear-gradient(120deg,var(--navy),#123d78);color:#fff;padding:62px 0 56px;position:relative;overflow:hidden}.page-hero:after{content:"";position:absolute;inset:auto -80px -150px auto;width:330px;height:330px;border:60px solid rgba(255,255,255,.07);border-radius:50%}.page-hero h1{color:#fff;font-size:clamp(2.45rem,5vw,4.3rem)}.page-hero .lead{color:#dbe7f8;max-width:760px}.breadcrumbs{font-size:.84rem;color:#cfe0f5}.breadcrumbs a{text-decoration:underline;text-underline-offset:3px}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:28px}.prose{min-width:0}.prose h2{color:var(--navy);font-size:2rem;margin:1.6em 0 .5em}.prose h3{color:var(--navy);margin:1.4em 0 .4em}.prose p,.prose li{color:#4f6077}.sidebar{display:grid;gap:16px;align-content:start}.side-card{background:var(--soft);border:1px solid var(--line);border-radius:18px;padding:20px}.side-card h3{margin:0 0 8px;color:var(--navy)}.side-card p{color:var(--muted);font-size:.94rem}.side-card a{font-weight:800;color:var(--blue)}
.branch-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.branch{border-radius:22px;padding:28px;background:#fff;border:1px solid var(--line);position:relative;overflow:hidden}.branch:after{content:"";position:absolute;width:110px;height:110px;border-radius:50%;background:var(--blue-2);right:-35px;bottom:-35px}.branch h3{color:var(--navy);font-size:1.6rem;margin:.4rem 0}.branch p{color:var(--muted)}
.timeline{border-left:3px solid #c8d7ea;margin-left:10px;padding-left:28px;display:grid;gap:24px}.timeline article{position:relative}.timeline article:before{content:"";position:absolute;left:-38px;top:8px;width:16px;height:16px;border-radius:50%;background:var(--red);border:4px solid #fff;box-shadow:0 0 0 2px #c8d7ea}.timeline time{font-weight:900;color:var(--red);font-size:.82rem;text-transform:uppercase;letter-spacing:.08em}.timeline h3{margin:.25rem 0;color:var(--navy)}
.download{background:linear-gradient(135deg,#fff,#f5f9ff);border:1px solid var(--line);border-radius:22px;padding:25px;display:flex;gap:22px;align-items:center}.download-icon{width:64px;height:64px;border-radius:18px;background:var(--red);color:#fff;display:grid;place-items:center;font-weight:900;font-size:1.15rem;flex:0 0 auto}.download h3{margin:0;color:var(--navy)}.download p{margin:4px 0 13px;color:var(--muted)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.contact-card{border:1px solid var(--line);border-radius:20px;padding:25px}.contact-card h3{color:var(--navy);margin-top:0}.contact-card strong{display:block;margin-top:10px;color:#2e4059}.contact-card a{color:var(--blue);font-weight:800}
.cta{background:linear-gradient(110deg,var(--navy),#134b96);color:#fff;border-radius:26px;padding:36px;display:flex;align-items:center;justify-content:space-between;gap:28px}.cta h2{font-size:2rem;margin:0 0 8px}.cta p{color:#d9e7f8;margin:0;max-width:680px}.cta .btn{background:#fff;color:var(--navy)}
.site-footer{background:#071a36;color:#dce8f7;margin-top:52px}.footer-top{padding:40px 0;display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:30px}.footer-brand img{background:#fff;border-radius:10px;padding:7px;max-width:280px}.footer-brand p{color:#aebed3}.footer-col h3{color:#fff;font-size:1rem;margin-top:0}.footer-col a{display:block;margin:8px 0;color:#c9d8eb}.footer-col a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:16px 0;display:flex;justify-content:space-between;gap:18px;font-size:.85rem;color:#9fb0c7}
.notice-banner{background:#fff8e9;border:1px solid #f0d89d;color:#6d5220;border-radius:14px;padding:15px 18px;margin:20px 0}.notice-banner strong{color:#5d451c}
@media(max-width:980px){.nav{position:absolute;top:78px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:13px 17px;display:none;flex-direction:column;align-items:stretch;box-shadow:0 16px 30px rgba(0,0,0,.08)}.nav.open{display:flex}.menu-btn{display:block}.hero-grid,.split,.news-grid,.content-grid{grid-template-columns:1fr}.cards,.branch-grid{grid-template-columns:repeat(2,1fr)}.footer-top{grid-template-columns:1fr 1fr}.hero-grid{padding:56px 0}.hero-panel{max-width:620px}.contact-grid{grid-template-columns:1fr}}
@media(max-width:640px){.topbar .container{display:block;text-align:center}.topbar .container span:last-child{display:none}.container{width:min(100% - 24px,1180px)}.nav-wrap{min-height:70px}.nav{top:70px}.brand-copy small{display:none}.hero-grid{padding:44px 0 48px;gap:28px}.hero h1,.page-hero h1{font-size:2.65rem}.hero-panel{padding:20px}.region-grid{grid-template-columns:1fr}.section{padding:50px 0}.section-head{display:block}.section-head .link{display:inline-block;margin-top:12px}.cards,.branch-grid{grid-template-columns:1fr}.card{padding:20px}.cta{display:block;padding:26px}.cta .btn{margin-top:20px}.footer-top{grid-template-columns:1fr}.footer-bottom{display:block}.footer-bottom span{display:block;margin:4px 0}.download{align-items:flex-start;flex-direction:column}.page-hero{padding:46px 0}.contact-grid{grid-template-columns:1fr}}

/* Official UFE logo received from UFE — September 2026 */
.brand-mark.brand-mark-official{
  width:58px;
  height:48px;
  border-radius:0;
  background:transparent;
  overflow:visible;
  display:flex;
  align-items:center;
  justify-content:center;
  flex:0 0 58px;
}
.brand-mark.brand-mark-official:after{display:none}
.brand-mark.brand-mark-official img{
  display:block;
  width:58px;
  height:auto;
  max-height:48px;
  object-fit:contain;
}
@media(max-width:640px){
  .brand-mark.brand-mark-official{width:54px;flex-basis:54px}
  .brand-mark.brand-mark-official img{width:54px}
}


/* =========================================================
   UFE v3 — INSTITUTIONAL / SERVICES FIRST
   ========================================================= */
:root{
  --ufe-navy:#07356f;
  --ufe-deep:#06264f;
  --ufe-blue:#1556a8;
  --ufe-red:#ef1738;
  --ufe-pale:#eef6ff;
  --ufe-line:#d9e6f3;
}
.institutional-topbar{background:#fff;color:var(--ufe-navy);border-bottom:1px solid #edf2f8}
.institutional-topbar a{color:var(--ufe-navy);font-weight:900}
.institutional-header{position:sticky;top:0;background:rgba(255,255,255,.98);border-bottom:1px solid var(--ufe-line)}
.institutional-header .nav a{color:#12386d}
.institutional-header .nav a:hover,.institutional-header .nav a[aria-current="page"]{background:transparent;color:var(--ufe-red);box-shadow:inset 0 -2px 0 var(--ufe-red)}
.institutional-header .nav .join{background:var(--ufe-red);color:#fff;box-shadow:none;border-radius:999px;padding-inline:17px}
.institutional-header .nav .join:hover{background:#c8122d;color:#fff}

.institutional-hero{position:relative;min-height:455px;overflow:hidden;background:var(--ufe-deep);color:#fff}
.institutional-hero-image{position:absolute;inset:0;background-image:url('/assets/des-moines-hero-hq.png');background-size:cover;background-position:56% center}
.institutional-hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,34,73,.98) 0%,rgba(4,34,73,.93) 28%,rgba(4,34,73,.72) 46%,rgba(4,34,73,.20) 70%,rgba(4,34,73,0) 100%)}
.institutional-hero-inner{position:relative;z-index:2;display:flex;align-items:center;min-height:455px}
.institutional-hero-copy{max-width:580px;padding:46px 0}
.institutional-hero .eyebrow.light{color:#dcecff}
.institutional-hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.7rem,5vw,4.75rem);line-height:.97;letter-spacing:-.035em;margin:0 0 17px}
.institutional-hero h1 em{font-weight:400;color:#fff;font-style:italic}
.institutional-hero-copy>p:not(.eyebrow){font-size:1.06rem;line-height:1.55;color:#eff6ff;max-width:570px}
.btn-ghost{border-color:rgba(255,255,255,.8);background:rgba(7,53,111,.30);color:#fff}
.btn-ghost:hover{background:#fff;color:var(--ufe-navy)}

.institutional-values{background:#fff;border-bottom:1px solid var(--ufe-line)}
.institutional-values-grid{display:grid;grid-template-columns:repeat(6,1fr)}
.institutional-values-grid>a{display:flex;gap:10px;align-items:center;min-height:82px;padding:12px 14px;border-right:1px solid var(--ufe-line);color:var(--ufe-navy)}
.institutional-values-grid>a:first-child{border-left:1px solid var(--ufe-line)}
.institutional-values-grid>a:hover{background:var(--ufe-pale)}
.iv-icon{display:grid;place-items:center;flex:none;width:34px;height:34px;font-size:23px;color:var(--ufe-blue)}
.institutional-values strong{display:block;font-size:.86rem}.institutional-values small{display:block;margin-top:2px;color:#5d7390;font-size:.71rem;line-height:1.25}

.institutional-dashboard{padding:28px 0 8px;background:linear-gradient(180deg,#f6fbff,#fff)}
.dashboard-grid{display:grid;grid-template-columns:1.1fr .9fr .82fr;gap:14px;align-items:start}
.dashboard-card{background:#fff;border:1px solid var(--ufe-line);border-radius:18px;padding:20px;box-shadow:0 8px 28px rgba(6,49,104,.05)}
.dashboard-heading{display:flex;justify-content:space-between;gap:16px;align-items:flex-end;margin-bottom:15px}
.dashboard-heading .eyebrow{margin-bottom:2px;color:#7188a4;font-size:.66rem}
.dashboard-heading h2{margin:0;color:var(--ufe-navy);font-family:Georgia,"Times New Roman",serif;font-size:1.45rem}
.dashboard-heading>a{font-size:.78rem;font-weight:900;color:var(--ufe-blue);white-space:nowrap}

.service-mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.service-mini-grid>a{display:grid;grid-template-columns:40px 1fr;gap:10px;padding:12px;border:1px solid #e4edf6;border-radius:13px;background:#fcfeff;min-height:94px}
.service-mini-grid>a:hover{background:var(--ufe-pale);border-color:#cbdff2}
.service-mini-grid>a>span{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:#e8f2ff;color:var(--ufe-navy);font-size:22px}
.service-mini-grid strong{display:block;color:var(--ufe-navy);font-size:.86rem;line-height:1.25}.service-mini-grid small{display:block;color:#657991;font-size:.72rem;line-height:1.35;margin-top:4px}

.urgent-card{background:linear-gradient(180deg,#fffafa,#fff);border-color:#ffd3d9}
.urgent-card .dashboard-heading h2,.urgent-card .eyebrow{color:#cc1831}
.urgent-list{display:grid;gap:7px}
.urgent-list>a{display:grid;grid-template-columns:34px 1fr 16px;gap:8px;align-items:center;padding:9px 10px;border:1px solid #f0e4e6;border-radius:10px;background:#fff}
.urgent-list>a:hover{background:#fff6f7}
.urgent-icon{display:grid;place-items:center;width:31px;height:31px;border-radius:8px;background:#fff0f2;color:var(--ufe-red);font-weight:900}
.urgent-list strong{display:block;color:#243e65;font-size:.83rem}.urgent-list small{display:block;color:#78899e;font-size:.7rem;line-height:1.25;margin-top:2px}
.urgent-list b{color:var(--ufe-blue)}
.urgent-note{margin-top:11px;padding:8px 10px;background:#fff4f5;border-radius:9px;color:#8e3340;font-size:.72rem;font-weight:750}

.phone-card{border-color:#d3e2f1}
.phone-hero{display:flex;gap:13px;align-items:center;background:#eef6ff;border-radius:14px;padding:16px;margin-bottom:12px}
.phone-symbol{display:grid;place-items:center;width:60px;height:60px;border-radius:50%;background:#fff;color:var(--ufe-navy);font-size:34px}
.phone-hero a{display:block;color:var(--ufe-navy);font-size:1.55rem;font-weight:950;letter-spacing:-.02em}.phone-hero span{display:block;color:#315887;font-size:.82rem;line-height:1.35}
.phone-benefits{list-style:none;padding:0;margin:11px 0 14px;display:grid;gap:6px}.phone-benefits li{font-size:.78rem;color:#47617e}.phone-benefits li:before{content:"✓";color:var(--ufe-blue);font-weight:950;margin-right:7px}
.phone-btn{width:100%;border-radius:999px}

.urgent-services-page{padding-top:36px;background:#fffafd}
.urgent-services-page .card{border-top:3px solid var(--ufe-red)}

.site-footer{background:linear-gradient(110deg,#062b5c,#061d3d)}
.footer-brand img{background:transparent;padding:0;max-width:240px}

@media(max-width:1080px){
  .institutional-values-grid{grid-template-columns:repeat(3,1fr)}
  .dashboard-grid{grid-template-columns:1fr 1fr}
  .phone-card{grid-column:1/3}
}
@media(max-width:760px){
  .institutional-hero,.institutional-hero-inner{min-height:520px}
  .institutional-hero-image{background-position:63% center}
  .institutional-hero-shade{background:linear-gradient(90deg,rgba(4,34,73,.995),rgba(4,34,73,.93) 44%,rgba(4,34,73,.54) 76%,rgba(4,34,73,.18))}
  .institutional-values-grid{grid-template-columns:1fr 1fr}
  .dashboard-grid{grid-template-columns:1fr}
  .phone-card{grid-column:auto}
  .service-mini-grid{grid-template-columns:1fr}
}
@media(max-width:520px){
  .institutional-values-grid{grid-template-columns:1fr}
  .institutional-values-grid>a{border-left:1px solid var(--ufe-line)}
  .institutional-hero h1{font-size:2.8rem}
}