body {
  font-family: 'Segoe UI', sans-serif;
  margin: 0;
  background: #f9f9f9;
}
.hero {
  background: url('../images/hero.jpg') center/cover no-repeat;
  height: 100vh;
  position: relative;
  text-align: center;
}
.logo {
  max-width: 250px;
  margin-top: 20px;
}
.overlay {
  background: rgba(0,0,0,0.6);
  color: #fff;
  height: 100%;
  padding-top: 2em;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
}
.overlay h1 {
  font-size: 2.2em;
  margin: 0.5em;
}
.overlay p {
  font-size: 1em;
  margin-bottom: 1em;
}
.cta {
  background: gold;
  color: black;
  font-weight: bold;
  padding: 0.75em 1.5em;
  text-decoration: none;
  border-radius: 8px;
}
.lead-form, .about, .insurance {
  padding: 2em;
  background: white;
  margin: 1em;
  border-radius: 12px;
}
input, textarea {
  display: block;
  width: 100%;
  margin: 0.5em 0;
  padding: 0.75em;
  border: 1px solid #ccc;
  border-radius: 5px;
}
button {
  background: black;
  color: gold;
  padding: 0.75em;
  border: none;
  border-radius: 5px;
  font-weight: bold;
}
footer {
  text-align: center;
  padding: 1em;
  background: #000;
  color: gold;
}