:root {
  --ink: #1b1b19;
  --charcoal: #252521;
  --sage: #9da083;
  --sage-dark: #7f8267;
  --cream: #f4f2eb;
  --white: #ffffff;
  --line: rgba(27, 27, 25, 0.14);
  --max: 1180px;
  --radius: 28px;
  --shadow: 0 24px 70px rgba(20, 20, 16, 0.12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }

.skip-link {
  position: fixed;
  left: 1rem;
  top: -5rem;
  background: var(--ink);
  color: var(--white);
  padding: .75rem 1rem;
  z-index: 9999;
  border-radius: 8px;
}
.skip-link:focus { top: 1rem; }

.container { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.section-pad { padding: 110px 0; }
.section-cream { background: var(--cream); }
.section-dark { background: var(--charcoal); color: var(--white); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}
.header-brand-row {
  min-height: 118px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
}
.brand {
  grid-column: 2;
  width: min(430px, 42vw);
  display: block;
  line-height: 0;
}
.brand img {
  width: 100%;
  height: auto;
  max-height: 102px;
  object-fit: contain;
  object-position: center;
  display: block;
}
.header-cta { justify-self: end; grid-column: 3; }
.header-nav-row { border-top: 1px solid var(--line); }
.primary-nav {
  min-height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 34px;
}
.primary-nav a { text-decoration: none; font-size: .9rem; font-weight: 600; }
.primary-nav a:hover { color: var(--sage-dark); }
.menu-toggle { display: none; }

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 25px;
  border-radius: 999px;
  background: var(--ink);
  color: var(--white);
  text-decoration: none;
  border: 1px solid var(--ink);
  font-weight: 700;
  cursor: pointer;
  transition: .2s ease;
}
.button:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(0,0,0,.12); }
.button-small { min-height: 46px; padding-inline: 20px; font-size: .9rem; }
.button-secondary { background: transparent; color: var(--ink); }
.button-light { background: var(--cream); color: var(--ink); border-color: var(--cream); }

.hero { min-height: 730px; display: flex; align-items: center; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 70px; align-items: center; }
.eyebrow { margin: 0 0 18px; text-transform: uppercase; letter-spacing: .16em; font-size: .74rem; font-weight: 800; color: var(--sage-dark); }
.eyebrow.light { color: #c7c9b1; }
h1, h2, h3 { font-family: "Playfair Display", serif; line-height: 1.05; margin-top: 0; }
h1 { font-size: clamp(3.6rem, 7vw, 6.8rem); letter-spacing: -.05em; margin-bottom: 26px; }
h2 { font-size: clamp(2.5rem, 4.5vw, 4.7rem); letter-spacing: -.035em; margin-bottom: 22px; }
h3 { font-size: 1.7rem; }
.hero-lead { font-size: 1.1rem; max-width: 690px; color: #4b4b46; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin: 34px 0; }
.trust-row { display: flex; gap: 22px; flex-wrap: wrap; font-size: .84rem; font-weight: 700; color: #58584f; }
.trust-row span::before { content: "•"; color: var(--sage); margin-right: 8px; }

.hero-art { position: relative; min-height: 510px; }
.arch-card {
  position: absolute;
  inset: 0 0 0 40px;
  border-radius: 260px 260px 36px 36px;
  background: var(--cream);
  box-shadow: var(--shadow);
  display: flex;
  align-items: flex-end;
  padding: 48px;
  overflow: hidden;
}
.arch-card::before, .arch-card::after {
  content: "";
  position: absolute;
  border: 1px solid rgba(157,160,131,.45);
  border-radius: 50%;
}
.arch-card::before { width: 500px; height: 500px; top: -220px; right: -140px; }
.arch-card::after { width: 340px; height: 340px; top: -120px; right: -70px; }
.arch-card p { position: relative; z-index: 2; font-family: "Playfair Display", serif; font-size: 1.8rem; line-height: 1.2; max-width: 360px; }
.arch-line { position: absolute; width: 1px; height: 75%; background: var(--sage); right: 30%; top: 18%; transform: rotate(-18deg); transform-origin: bottom; }
.floating-card { position: absolute; z-index: 3; background: var(--white); border: 1px solid var(--line); border-radius: 18px; padding: 18px 20px; box-shadow: 0 18px 45px rgba(20,20,16,.12); }
.floating-card strong, .floating-card span { display: block; }
.floating-card strong { font-family: "Playfair Display", serif; font-size: 1.2rem; }
.floating-card span { font-size: .78rem; color: #67675f; margin-top: 4px; }
.card-one { left: 0; top: 90px; }
.card-two { right: -18px; bottom: 62px; }

.split-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 90px; align-items: start; }
.promise-copy { font-size: 1.25rem; max-width: 650px; }
.promise-copy p:first-child { font-family: "Playfair Display", serif; font-size: 2rem; margin-top: 0; }
.centered { text-align: center; max-width: 760px; margin: 0 auto 56px; }
.centered > p:last-child { color: #5d5d56; }


.owner-bio-grid {
  display: grid;
  grid-template-columns: .78fr 1.22fr;
  gap: 80px;
  align-items: center;
}
.owner-photo {
  overflow: hidden;
  border-radius: 220px 220px 24px 24px;
  box-shadow: var(--shadow);
  background: #dfe2e8;
  min-height: 560px;
}
.owner-photo img {
  width: 100%;
  height: 100%;
  min-height: 560px;
  object-fit: cover;
  object-position: center 24%;
  display: block;
}
.owner-copy > p:not(.eyebrow) {
  color: #56564f;
  font-size: 1.06rem;
  max-width: 720px;
}
.owner-actions {
  margin-top: 30px;
  display: flex;
  gap: 24px;
  align-items: center;
  flex-wrap: wrap;
}
.text-link {
  font-weight: 700;
  text-underline-offset: 5px;
}

.policy-review {
  background: var(--sage);
  color: var(--white);
}
.policy-review-card {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 70px;
  align-items: center;
}
.policy-review h2 {
  max-width: 860px;
  margin-bottom: 18px;
}
.policy-review p:not(.eyebrow) {
  max-width: 840px;
  color: rgba(255,255,255,.82);
  font-size: 1.05rem;
}

.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.service-card { padding: 38px; min-height: 330px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); display: flex; flex-direction: column; }
.service-number { color: var(--sage-dark); font-weight: 800; letter-spacing: .12em; font-size: .78rem; }
.service-card h3 { margin: 42px 0 16px; }
.service-card p { color: #5c5c54; }
.service-card a { margin-top: auto; font-weight: 700; text-decoration-thickness: 1px; text-underline-offset: 5px; }
.service-card:hover { background: var(--cream); }

.difference-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 90px; align-items: start; }
.difference-copy p:not(.eyebrow) { color: rgba(255,255,255,.72); font-size: 1.05rem; max-width: 590px; }
.difference-list { border-top: 1px solid rgba(255,255,255,.2); }
.difference-list > div { display: grid; grid-template-columns: 70px 1fr; gap: 20px; padding: 23px 0; border-bottom: 1px solid rgba(255,255,255,.2); }
.difference-list span { color: #c7c9b1; font-weight: 700; }
.difference-list p { margin: 0; font-size: 1.05rem; }

.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.process-step { padding: 34px; border-radius: var(--radius); background: var(--cream); min-height: 280px; }
.process-step > span { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--sage); color: var(--white); font-weight: 800; }
.process-step h3 { margin-top: 70px; margin-bottom: 14px; }
.process-step p { color: #5c5c54; }

.insight-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 50px; }
.insight-card { padding: 34px; background: var(--white); border-radius: var(--radius); min-height: 300px; box-shadow: 0 14px 35px rgba(20,20,16,.06); display: flex; flex-direction: column; }
.insight-type { color: var(--sage-dark); font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .12em; }
.insight-card h3 { margin-top: 35px; }
.insight-card a { margin-top: auto; font-weight: 700; }

.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 80px; align-items: start; }
.contact-copy { position: sticky; top: 140px; }
.contact-copy p:last-child { color: #5c5c54; font-size: 1.05rem; }
.quote-form { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; padding: 38px; background: var(--cream); border-radius: var(--radius); }
.quote-form label { display: grid; gap: 8px; font-weight: 700; font-size: .9rem; }
.quote-form input, .quote-form select, .quote-form textarea { width: 100%; padding: 14px 15px; border: 1px solid rgba(27,27,25,.2); background: var(--white); border-radius: 12px; color: var(--ink); }
.quote-form input:focus, .quote-form select:focus, .quote-form textarea:focus { outline: 2px solid var(--sage); outline-offset: 2px; }
.full-width { grid-column: 1 / -1; }
.form-note { margin: 0; color: #66665f; font-size: .8rem; text-align: center; }

.carrier-section {
  position: relative;
  overflow: hidden;
  padding: 100px 0 104px;
  background: linear-gradient(180deg, var(--white) 0%, var(--cream) 100%);
  border-top: 1px solid var(--line);
}
.carrier-section::after {
  content: "";
  position: absolute;
  inset: auto -10% -180px 35%;
  height: 320px;
  border-radius: 50%;
  background: rgba(94, 111, 88, .08);
  filter: blur(8px);
  pointer-events: none;
}
.carrier-intro {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 80px;
  align-items: end;
  margin-bottom: 46px;
}
.carrier-intro h2 { margin: 0; max-width: 610px; }
.carrier-intro > p { margin: 0 0 8px; max-width: 640px; color: #5c5c54; font-size: 1.05rem; }
.carrier-showcase {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(300px, .8fr) 1.7fr;
  gap: 24px;
  align-items: stretch;
}
.carrier-featured {
  padding: 38px;
  border-radius: 24px;
  background: var(--sage);
  color: var(--white);
  box-shadow: var(--shadow);
}
.carrier-kicker {
  display: block;
  margin-bottom: 42px;
  color: rgba(255,255,255,.72);
  font-size: .74rem;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.carrier-featured strong {
  display: block;
  font-family: "DM Serif Display", serif;
  font-size: clamp(2.5rem, 5vw, 4.2rem);
  font-weight: 400;
  line-height: .95;
}
.carrier-featured p { margin: 22px 0 0; color: rgba(255,255,255,.8); }
.carrier-list {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid var(--line);
  border-left: 1px solid var(--line);
  border-radius: 24px;
  overflow: hidden;
  background: rgba(255,255,255,.72);
  backdrop-filter: blur(10px);
}
.carrier-list span {
  min-height: 104px;
  display: grid;
  place-items: center;
  padding: 20px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  font-weight: 750;
  text-align: center;
}
.carrier-list span:last-child { color: var(--sage-dark); font-style: italic; }

.site-footer { background: #11110f; color: var(--white); padding: 70px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .7fr .7fr; gap: 70px; }
.footer-brand img { width: min(390px, 100%); height: auto; object-fit: contain; display: block; }
.footer-brand p { color: rgba(255,255,255,.65); max-width: 470px; }
.footer-brand {
  text-align: center;
}

.footer-brand .header-brand-logo {
  margin-inline: auto;
}

.footer-brand .footer-guidance {
  margin: 16px auto 0;
}
.site-footer h3 { font-family: "Inter", sans-serif; font-size: .9rem; text-transform: uppercase; letter-spacing: .12em; color: #c7c9b1; }
.site-footer a { display: block; text-decoration: none; margin: 10px 0; color: rgba(255,255,255,.78); }
.footer-bottom {
  margin-top: 55px;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,.15);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  color: rgba(255,255,255,.5);
  font-size: .82rem;
  text-align: center;
}

.footer-bottom p {
  margin: 0;
}

.footer-guidance {
  width: 100%;
  max-width: 720px;
  text-align: center;
}

.reveal { opacity: 0; transform: translateY(20px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

@media (max-width: 980px) {
  .header-brand-row { min-height: 92px; grid-template-columns: 1fr auto 1fr; }
  .brand { width: min(350px, 48vw); }
  .header-cta { display: none; }
  .menu-toggle { display: grid; gap: 4px; justify-self: start; border: 0; background: transparent; padding: 10px; }
  .menu-toggle span { display: block; width: 24px; height: 2px; background: var(--ink); }
  .header-nav-row { border-top: 0; }
  .primary-nav { position: absolute; left: 20px; right: 20px; top: 88px; min-height: auto; margin: 0; padding: 22px; border-radius: 18px; background: var(--white); box-shadow: var(--shadow); display: none; flex-direction: column; align-items: flex-start; }
  .primary-nav.open { display: flex; }
  .hero-grid, .split-grid, .difference-grid, .contact-grid, .owner-bio-grid { grid-template-columns: 1fr; gap: 55px; }
  .owner-photo { max-width: 520px; min-height: 520px; }
  .owner-photo img { min-height: 520px; }
  .policy-review-card { grid-template-columns: 1fr; gap: 28px; }
  .hero { min-height: auto; }
  .hero-art { min-height: 460px; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid, .insight-grid { grid-template-columns: 1fr; }
  .contact-copy { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 640px) {
  .container { width: min(calc(100% - 28px), var(--max)); }
  .section-pad, .section { padding: 72px 0; }
  .header-brand-row { min-height: 78px; }
  .brand { width: min(260px, 62vw); }
  h1 { font-size: clamp(2.6rem, 12vw, 3.25rem); }
  h2 { font-size: clamp(2rem, 9vw, 2.6rem); }
  .hero-grid { gap: 36px; }
  .hero-actions, .owner-actions { align-items: stretch; flex-direction: column; }
  .hero-actions .button, .owner-actions .button { width: 100%; text-align: center; }
  .trust-row { gap: 10px; }
  .hero-art { min-height: 390px; }
  .arch-card { inset: 0 0 0 12px; padding: 28px; border-radius: 180px 180px 26px 26px; }
  .arch-card p { font-size: 1.35rem; }
  .card-one { left: 0; top: 70px; }
  .card-two { right: 0; bottom: 34px; }
  .floating-card { max-width: 230px; }
  .owner-photo, .owner-photo img { min-height: 420px; }
  .service-grid, .carrier-grid { grid-template-columns: 1fr; }
  .quote-form { grid-template-columns: 1fr; padding: 24px; }
  .quote-form .full-width { grid-column: 1; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
  .footer-bottom { flex-direction: column; gap: 6px; }
}

@media (max-width: 980px) {
  .carrier-intro, .carrier-showcase { grid-template-columns: 1fr; gap: 28px; }
  .carrier-intro { align-items: start; }
}

@media (max-width: 640px) {
  .carrier-section { padding: 76px 0 80px; }
  .carrier-featured { padding: 30px; }
  .carrier-list { grid-template-columns: 1fr 1fr; }
  .carrier-list span { min-height: 86px; }
}

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}



/* v6 hero refinement */
.hero-visual-clean {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 420px;
  padding: 24px;
}

.hero-summary-card {
  width: min(100%, 430px);
  padding: 34px;
  border-radius: 24px;
  background:
    linear-gradient(145deg, rgba(255,255,255,.98), rgba(246,249,252,.96));
  border: 1px solid rgba(18, 52, 86, .12);
  box-shadow: 0 24px 60px rgba(18, 52, 86, .14);
}

.hero-summary-kicker {
  margin-bottom: 12px;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #68788a;
}

.hero-summary-card h2 {
  margin: 0;
  color: #17324d;
  font-size: clamp(1.8rem, 3vw, 2.55rem);
  line-height: 1.08;
  letter-spacing: -.035em;
}

.hero-summary-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin: 26px 0 18px;
}

.hero-summary-list span {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 10px 14px;
  border-radius: 12px;
  background: #edf3f8;
  color: #17324d;
  font-weight: 700;
}

.hero-summary-note {
  padding-top: 18px;
  border-top: 1px solid rgba(18, 52, 86, .12);
  color: #5d6e7f;
  font-size: .96rem;
  line-height: 1.55;
}

@media (max-width: 800px) {
  .hero-visual-clean {
    min-height: auto;
    padding: 10px 0 0;
  }

  .hero-summary-card {
    padding: 26px;
    border-radius: 20px;
  }
}


/* v7 compact quote form */
.quote-form,
.quote-panel form,
#quote form {
  gap: 12px;
}

.quote-form .form-grid,
.quote-panel .form-grid,
#quote .form-grid {
  gap: 12px 14px;
}

.quote-form .form-group,
.quote-panel .form-group,
#quote .form-group {
  margin-bottom: 0;
}

.quote-form label,
.quote-panel label,
#quote label {
  margin-bottom: 5px;
  font-size: .88rem;
}

.quote-form input,
.quote-form select,
.quote-form textarea,
.quote-panel input,
.quote-panel select,
.quote-panel textarea,
#quote input,
#quote select,
#quote textarea {
  min-height: 42px;
  padding: 9px 12px;
  font-size: .95rem;
}

.quote-form textarea,
.quote-panel textarea,
#quote textarea {
  min-height: 82px;
}

.quote-form .section-title,
.quote-panel .section-title,
#quote .section-title {
  margin-bottom: 10px;
}

.quote-form .form-actions,
.quote-panel .form-actions,
#quote .form-actions {
  margin-top: 8px;
}

@media (min-width: 900px) {
  .quote-form,
  .quote-panel form,
  #quote form {
    max-height: none;
  }

  .quote-form .form-grid,
  .quote-panel .form-grid,
  #quote .form-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .quote-form .full-width,
  .quote-panel .full-width,
  #quote .full-width {
    grid-column: 1 / -1;
  }
}



/* v9 client-focused header identity */
.client-brand {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  min-width: 180px;
  line-height: 1.08;
  text-decoration: none;
}

.client-brand-name {
  color: #20252b;
  font-family: inherit;
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  white-space: nowrap;
}

.client-brand-phone {
  margin-top: 4px;
  color: #7a838d;
  font-family: inherit;
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.01em;
  text-decoration: none;
  white-space: nowrap;
}

.client-brand-phone:hover,
.client-brand-phone:focus {
  color: #20252b;
}

@media (max-width: 900px) {
  .client-brand {
    min-width: 150px;
  }

  .client-brand-name {
    font-size: 1rem;
  }

  .client-brand-phone {
    font-size: 0.8rem;
  }
}

@media (max-width: 640px) {
  .client-brand {
    min-width: 135px;
  }

  .client-brand-name {
    font-size: 0.94rem;
  }

  .client-brand-phone {
    font-size: 0.76rem;
  }
}






/* v13 approved homepage header */
.header-brand-row {
  min-height: 138px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  column-gap: 28px;
}

.client-brand {
  grid-column: 1;
  justify-self: start;
}

.client-brand-name {
  font-size: 1.28rem;
  color: #17191c;
}

.client-brand-phone {
  margin-top: 9px;
  font-size: 1rem;
  color: #627087;
}

.header-brand-logo {
  grid-column: 2;
  justify-self: center;
  display: flex;
  align-items: center;
  justify-content: center;
  width: min(390px, 35vw);
  height: 112px;
  text-decoration: none;
}

.header-brand-logo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.header-cta {
  grid-column: 3;
  justify-self: end;
  min-height: 54px;
  padding-inline: 28px;
  border-radius: 18px;
}

.header-nav-row {
  border-top: 1px solid var(--line);
}

.primary-nav {
  min-height: 64px;
  gap: 46px;
}

.primary-nav a {
  font-size: .94rem;
}

.hero {
  min-height: 700px;
}

.hero-grid {
  grid-template-columns: 1.08fr .92fr;
  gap: 84px;
}

.hero-summary-card {
  width: min(100%, 460px);
  padding: 38px;
  border-radius: 26px;
}

@media (max-width: 1050px) {
  .header-brand-row {
    min-height: 120px;
    column-gap: 18px;
  }

  .header-brand-logo {
    width: min(320px, 34vw);
    height: 96px;
  }

  .primary-nav {
    gap: 28px;
  }
}

@media (max-width: 900px) {
  .header-brand-row {
    min-height: 92px;
    grid-template-columns: 1fr auto;
  }

  .client-brand {
    grid-column: 1;
  }

  .header-brand-logo {
    grid-column: 2;
    width: min(250px, 38vw);
    height: 74px;
    margin-right: 44px;
  }

  .header-cta {
    display: none;
  }
}

@media (max-width: 640px) {
  .header-brand-row {
    min-height: 82px;
    column-gap: 8px;
  }

  .header-brand-logo {
    width: min(175px, 44vw);
    height: 58px;
    margin-right: 42px;
  }

  .client-brand-name {
    font-size: .98rem;
  }

  .client-brand-phone {
    margin-top: 4px;
    font-size: .78rem;
  }
}

/* V14 functional pages */
.coverage-card-link{display:block;color:inherit;text-decoration:none}
.coverage-card-link:hover{transform:translateY(-3px)}
.line-hero{padding:90px 0 70px;border-bottom:1px solid #e3e7df;background:#fbfcfb}
.line-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:center}
.line-hero h1{font-size:clamp(2.8rem,6vw,5.4rem);line-height:.98;letter-spacing:-.055em;margin:.2em 0}
.line-hero p{font-size:1.08rem;line-height:1.7;color:#657063;max-width:680px}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem!important;font-weight:800;color:#6e7969!important}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.line-card{padding:34px;border-radius:26px;background:#f0f3ed;border:1px solid #dfe5da}
.line-card span{font-size:.76rem;text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:#768070}
.line-card h3{font-size:1.65rem;margin:12px 0 18px}.line-card li{margin:9px 0;color:#596455}
.quote-area{padding:72px 0 110px;background:#fbfcfb}.quote-grid{display:grid;grid-template-columns:270px 1fr;gap:40px}
.quote-grid aside{position:sticky;top:20px;align-self:start}.quote-grid aside a{text-decoration:none;color:#60705b;font-weight:700}
.quote-promise {
  margin: 28px 0 12px;
}
.progress{height:8px;background:#e5e9e2;border-radius:999px;overflow:hidden}.progress div{height:100%;width:33.33%;background:#68765f;transition:width .25s}
.quote-card{background:#fff;border:1px solid #e1e6de;border-radius:26px;padding:40px;box-shadow:0 20px 55px rgba(42,52,38,.08)}
.quote-step{display:none}.quote-step.active{display:block}.step-title span{font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;color:#778171;font-weight:800}
.step-title h2{font-size:2rem;margin:8px 0 26px}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:.9rem;font-weight:700}
.field input,.field select,.field textarea{min-height:48px;border:1px solid #d8ded4;border-radius:12px;padding:11px 13px;font:inherit;background:#fff}
.field textarea{min-height:100px}.checks{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.check{display:flex;gap:9px;align-items:center;padding:12px;border:1px solid #dfe4db;border-radius:12px}
.form-buttons{display:flex;justify-content:space-between;gap:12px;margin-top:30px;padding-top:22px;border-top:1px solid #edf0eb}
.form-status.success{color:#35653a;font-weight:700;margin-top:16px}
@media(max-width:900px){.line-grid,.quote-grid{grid-template-columns:1fr}.quote-grid aside{position:static}}
@media(max-width:640px){.line-hero{padding:58px 0}.line-hero h1{font-size:2.8rem}.quote-card{padding:24px}.form-grid,.checks{grid-template-columns:1fr}}


/* Keep section landing points visually aligned beneath the existing header */
@media (min-width: 901px) {
  #about-bobby,
  [id*="about"][id*="bobby"],
  #quote,
  #page-start {
    scroll-margin-top: 22px;
  }
}


/* v16 navigation, framing, and image refinements */
html {
  scroll-behavior: smooth;
}

/* Precise section alignment without changing header dimensions */
#about-bobby-heading,
#contact,
#resources,
#quote {
  scroll-margin-top: 28px;
}

/* Ensure dedicated insurance pages open as complete, properly framed pages */
.line-hero {
  scroll-margin-top: 0;
}

/* Apartment headline containment */
body .line-hero h1 {
  overflow-wrap: anywhere;
}

body[data-quote-type="apartment"] .line-hero-grid,
body:has(.eyebrow:nth-child(1)) .line-hero-grid {
  min-width: 0;
}

body[data-quote-type="apartment"] .line-hero h1 {
  max-width: 660px;
  font-size: clamp(2.65rem, 5.2vw, 4.75rem);
  line-height: 1.02;
}

body[data-quote-type="apartment"] .line-info-card {
  position: relative;
  z-index: 2;
}

/* About Bobby headshot fitting */
#about-bobby img,
[id*="about"][id*="bobby"] img,
.about-bobby img,
.meet-bobby img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 50% 18%;
}

/* Make Bobby name link feel natural */
.client-brand-name-link {
  color: inherit;
  text-decoration: none;
}

.client-brand-name-link:hover,
.client-brand-name-link:focus {
  opacity: .8;
}

/* Avoid half-page anchor loading on insurance pages */
body:not(:has(#about-bobby)) #page-start {
  scroll-margin-top: 0;
}

@media (max-width: 900px) {
  #about-bobby-heading,
  #contact,
  #resources,
  #quote {
    scroll-margin-top: 18px;
  }

  body[data-quote-type="apartment"] .line-hero h1 {
    max-width: 100%;
    font-size: clamp(2.35rem, 9vw, 3.6rem);
  }
}

/* V217 dedicated content pages */
.standalone-page{background:#fbfcfb}
.standalone-hero{padding:88px 0 58px;border-bottom:1px solid #e3e7df;background:#fbfcfb}
.standalone-hero h1{margin:.15em 0 .25em;font-size:clamp(2.8rem,6vw,5rem);line-height:1;letter-spacing:-.05em}
.standalone-hero p{max-width:720px;color:#657063;font-size:1.08rem;line-height:1.7}
.standalone-content{padding:70px 0 110px;min-height:calc(100vh - 360px)}
.standalone-content>.container>section{padding-top:0;padding-bottom:0}
.standalone-content img{max-width:100%;height:auto}
@media(max-width:700px){
.standalone-hero{padding:58px 0 42px}.standalone-content{padding:48px 0 80px}}


/* V18 Client Center and About page */
.owner-photo-fit {
  overflow: hidden;
  border-radius: 28px;
  min-height: 520px;
}

.owner-photo-fit img {
  width: 100%;
  height: 100%;
  min-height: 520px;
  object-fit: cover;
  object-position: 50% 16%;
  display: block;
}

.resource-action-grid,
.quote-option-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
}

.resource-action-card {
  display: block;
  padding: 30px;
  border: 1px solid #e0e5dd;
  border-radius: 24px;
  background: #fff;
  color: inherit;
  text-decoration: none;
  box-shadow: 0 14px 40px rgba(39, 49, 35, .06);
  transition: transform .2s ease, box-shadow .2s ease;
}

.resource-action-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 50px rgba(39, 49, 35, .10);
}

.resource-icon,
.claim-kicker {
  display: inline-block;
  color: #71806a;
  font-size: .76rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.resource-action-card h2 {
  margin: 12px 0 10px;
  font-size: 1.65rem;
}

.resource-action-card p {
  color: #657063;
  line-height: 1.65;
}

.resource-action-card strong {
  display: inline-block;
  margin-top: 12px;
  color: #56654f;
}

.claims-heading {
  margin: 78px 0 28px;
}

.claims-heading h2 {
  margin: 8px 0 10px;
  font-size: clamp(2rem, 4vw, 3.4rem);
}

.claims-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.claim-card {
  padding: 24px;
  border-radius: 20px;
  border: 1px solid #e0e5dd;
  background: #f8faf7;
}

.claim-card h3 {
  margin: 8px 0 10px;
  font-size: 1.25rem;
}

.claim-phone {
  display: inline-block;
  color: #273125;
  font-size: 1.3rem;
  font-weight: 800;
  text-decoration: none;
}

.claim-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
  margin-top: 18px;
}

.office-info-card {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 32px;
  align-items: center;
  margin-top: 72px;
  padding: 38px;
  border-radius: 26px;
  background: #eef2ea;
  border: 1px solid #dce3d7;
}

.office-info-card h2 {
  margin: 8px 0 10px;
}

.office-contact-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 12px;
}

.contact-page-grid {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 40px;
  align-items: start;
}

.contact-info-panel,
.contact-form-card {
  padding: 34px;
  border-radius: 24px;
  border: 1px solid #e0e5dd;
  background: #fff;
}

@media (max-width: 900px) {
  .claims-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .office-info-card,
  .contact-page-grid {
    grid-template-columns: 1fr;
  }
  .office-contact-links {
    justify-content: flex-start;
  }
}

@media (max-width: 640px) {
  .resource-action-grid,
  .quote-option-grid,
  .claims-grid {
    grid-template-columns: 1fr;
  }
  .owner-photo-fit,
  .owner-photo-fit img {
    min-height: 420px;
  }
  .owner-photo-fit img {
    object-position: 50% 12%;
  }
}


/* V19 phone-only left header identity */
.client-brand {
  justify-content: center;
}

.client-brand-phone {
  margin-top: 0;
  font-size: 1.05rem;
  font-weight: 650;
  color: #4f5b4b;
  letter-spacing: 0.01em;
}

.client-brand-phone:hover,
.client-brand-phone:focus {
  color: #20252b;
}

@media (max-width: 900px) {
  .client-brand-phone {
    font-size: .92rem;
  }
}

@media (max-width: 640px) {
  .client-brand-phone {
    font-size: .84rem;
  }
}

/* V20 mobile-first refinement
   These rules intentionally come last so the approved desktop layout remains
   unchanged while phones receive a purpose-built presentation. */
@media (max-width: 700px) {
  html {
    scroll-padding-top: 74px;
  }

  body {
    overflow-x: hidden;
    font-size: 16px;
    line-height: 1.55;
  }

  body.menu-open {
    overflow: hidden;
  }

  .container {
    width: min(calc(100% - 32px), var(--max));
  }

  .section-pad,
  .section {
    padding: 60px 0;
  }

  .site-header {
    position: sticky;
    min-height: 72px;
    backdrop-filter: blur(18px);
  }

  .header-brand-row {
    min-height: 72px;
    grid-template-columns: 42px minmax(0, 1fr) auto;
    column-gap: 10px;
  }

  .menu-toggle {
    position: relative;
    z-index: 2;
    grid-column: 1;
    grid-row: 1;
    width: 42px;
    height: 42px;
    display: grid;
    place-content: center;
    gap: 5px;
    justify-self: start;
    padding: 0;
    border: 1px solid var(--line);
    border-radius: 12px;
    background: var(--white);
  }

  .menu-toggle span {
    width: 20px;
    transition: transform .2s ease, opacity .2s ease;
  }

  .menu-toggle[aria-expanded="true"] span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }

  .menu-toggle[aria-expanded="true"] span:nth-child(2) {
    opacity: 0;
  }

  .menu-toggle[aria-expanded="true"] span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }

  .client-brand {
    grid-column: 3;
    grid-row: 1;
    min-width: 0;
    justify-self: end;
  }

  .client-brand-phone {
    min-height: 42px;
    display: inline-flex;
    align-items: center;
    padding: 0 11px;
    border: 1px solid var(--line);
    border-radius: 12px;
    background: var(--white);
    color: var(--ink);
    font-size: .78rem;
    font-weight: 750;
  }

  .header-brand-logo {
    grid-column: 2;
    grid-row: 1;
    width: min(152px, 100%);
    height: 52px;
    margin: 0;
    justify-self: center;
  }

  .header-nav-row {
    border: 0;
  }

  .primary-nav {
    position: fixed;
    inset: 72px 0 auto;
    z-index: 1001;
    width: 100%;
    max-height: calc(100dvh - 72px);
    overflow-y: auto;
    margin: 0;
    padding: 14px 16px 24px;
    gap: 4px;
    align-items: stretch;
    border: 0;
    border-top: 1px solid var(--line);
    border-radius: 0 0 22px 22px;
    box-shadow: 0 22px 50px rgba(20,20,16,.16);
  }

  .primary-nav.open {
    display: flex;
  }

  .primary-nav a {
    min-height: 50px;
    display: flex;
    align-items: center;
    padding: 0 14px;
    border-bottom: 1px solid rgba(27,27,25,.08);
    font-size: 1rem;
  }

  .primary-nav a:last-child {
    border-bottom: 0;
  }

  h1,
  .line-hero h1,
  .standalone-hero h1,
  body[data-quote-type="apartment"] .line-hero h1 {
    max-width: 100%;
    font-size: clamp(2.55rem, 12vw, 3.45rem);
    line-height: 1;
    letter-spacing: -.045em;
    overflow-wrap: normal;
    word-break: normal;
  }

  h2 {
    font-size: clamp(2rem, 9.5vw, 2.75rem);
  }

  h3 {
    font-size: 1.45rem;
  }

  .hero {
    min-height: auto;
    padding-top: 52px;
    padding-bottom: 60px;
  }

  .hero-grid,
  .line-grid,
  .split-grid,
  .difference-grid,
  .contact-grid,
  .owner-bio-grid {
    grid-template-columns: minmax(0, 1fr);
    gap: 36px;
  }

  .hero-lead,
  .line-hero p,
  .standalone-hero p {
    font-size: 1rem;
  }

  .hero-actions,
  .owner-actions,
  .form-buttons {
    display: grid;
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .hero-actions .button,
  .owner-actions .button,
  .policy-review-card > .button,
  .form-buttons .button {
    width: 100%;
  }

  .button,
  .button-small {
    min-height: 52px;
    padding: 0 20px;
  }

  .trust-row {
    display: grid;
    gap: 8px;
  }

  .hero-visual-clean {
    min-height: auto;
    padding: 0;
  }

  .hero-summary-card {
    width: 100%;
    padding: 24px 20px;
    border-radius: 20px;
  }

  .hero-summary-card h2 {
    font-size: 1.8rem;
  }

  .hero-summary-list {
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin: 22px 0 16px;
  }

  .hero-summary-list span {
    min-height: 52px;
    padding: 10px;
  }

  .centered {
    margin-bottom: 36px;
    text-align: left;
  }

  .service-grid,
  .process-grid,
  .insight-grid,
  .resource-action-grid,
  .quote-option-grid,
  .claims-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .service-card,
  .process-step,
  .insight-card {
    min-height: 0;
    padding: 26px 22px;
  }

  .service-card h3,
  .process-step h3,
  .insight-card h3 {
    margin-top: 24px;
  }

  .difference-list > div {
    grid-template-columns: 38px minmax(0, 1fr);
    gap: 10px;
  }

  .policy-review-card {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .quote-form,
  .form-grid,
  .checks {
    grid-template-columns: minmax(0, 1fr);
  }

  .quote-form,
  .quote-card,
  .contact-info-panel,
  .contact-form-card,
  .resource-action-card {
    padding: 22px 18px;
    border-radius: 18px;
  }

  .quote-form input,
  .quote-form select,
  .quote-form textarea,
  .field input,
  .field select,
  .field textarea {
    min-height: 50px;
    font-size: 16px;
  }

  .quote-grid {
    gap: 24px;
  }

  .quote-grid aside {
    display: block;
  }

  .quote-grid aside > a {
    display: none;
  }

  .quote-promise {
    margin-top: 0;
  }

  .line-hero,
  .standalone-hero {
    padding: 46px 0 38px;
  }

  .quote-area,
  .standalone-content {
    padding: 44px 0 68px;
  }

  .line-card,
  .carrier-featured,
  .office-info-card {
    padding: 24px 20px;
    border-radius: 20px;
  }

  .carrier-section {
    padding: 58px 0 64px;
  }

  .carrier-list {
    grid-template-columns: 1fr 1fr;
    border-radius: 18px;
  }

  .carrier-list span {
    min-height: 78px;
    padding: 14px 8px;
    font-size: .9rem;
  }

  .owner-photo,
  .owner-photo img,
  .owner-photo-fit,
  .owner-photo-fit img {
    min-height: 360px;
  }

  .claims-heading {
    margin-top: 54px;
  }

  .claim-card {
    padding: 20px;
  }

  .office-info-card {
    grid-template-columns: 1fr;
    gap: 20px;
    margin-top: 52px;
  }

  .office-contact-links {
    display: grid;
    grid-template-columns: 1fr;
  }

  .site-footer {
    padding: 54px 0 22px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .footer-brand {
    grid-column: auto;
  }

  .footer-bottom {
    margin-top: 38px;
    flex-direction: column;
    gap: 6px;
  }
}

@media (max-width: 380px) {
  .container {
    width: min(calc(100% - 24px), var(--max));
  }

  .header-brand-row {
    grid-template-columns: 40px minmax(0, 1fr) auto;
    column-gap: 6px;
  }

  .header-brand-logo {
    width: min(128px, 100%);
  }

  .client-brand-phone {
    padding-inline: 8px;
    font-size: .72rem;
  }

  .hero-summary-list,
  .carrier-list {
    grid-template-columns: 1fr;
  }
}

/* Educational guide pages */
.guide-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 70px;
  align-items: start;
}

.guide-article {
  min-width: 0;
}

.guide-article > p:first-child {
  margin-top: 0;
  color: #566154;
  font-size: 1.12rem;
  line-height: 1.75;
}

.guide-section {
  padding: 34px 0;
  border-bottom: 1px solid var(--line);
}

.guide-section:first-of-type {
  padding-top: 18px;
}

.guide-section h2 {
  margin-bottom: 16px;
  font-size: clamp(1.85rem, 3vw, 2.65rem);
}

.guide-section h3 {
  margin: 26px 0 8px;
  font-size: 1.35rem;
}

.guide-section p,
.guide-section li {
  color: #545e51;
}

.guide-section ul,
.guide-section ol {
  padding-left: 1.3rem;
}

.guide-section li + li {
  margin-top: 10px;
}

.guide-callout {
  margin: 28px 0;
  padding: 24px;
  border-left: 4px solid var(--sage);
  border-radius: 0 18px 18px 0;
  background: var(--cream);
}

.guide-callout strong {
  display: block;
  margin-bottom: 6px;
}

.guide-sidebar {
  position: sticky;
  top: 230px;
  padding: 26px;
  border: 1px solid #dfe5dc;
  border-radius: 22px;
  background: #f3f6f0;
}

.guide-sidebar h2 {
  margin-bottom: 12px;
  font-size: 1.55rem;
}

.guide-sidebar p {
  color: #5c6759;
}

.guide-sidebar .button {
  width: 100%;
  margin-top: 10px;
}

.guide-disclaimer {
  margin-top: 32px;
  color: #747a71;
  font-size: .83rem;
}

.form-honeypot {
  position: absolute !important;
  left: -10000px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}

.form-status.success,
.form-note.success {
  color: #2f6638;
  font-weight: 700;
}

.form-status.error,
.form-note.error {
  color: #a23832;
  font-weight: 700;
}

/* Large, intentionally stacked apartment quote heading. */
body[data-quote-type="apartment"] .quote-grid aside .apartment-quote-heading {
  max-width: 100%;
  font-size: 2.35rem;
  line-height: 1.04;
  letter-spacing: -.035em;
  overflow-wrap: normal;
  word-break: normal;
}

body[data-quote-type="apartment"] .apartment-quote-heading span {
  display: block;
}

@media (min-width: 1051px) {
  body[data-quote-type="apartment"] .quote-grid {
    grid-template-columns: 380px minmax(0, 1fr);
    gap: 64px;
  }

  body[data-quote-type="apartment"] .quote-grid aside .apartment-quote-heading {
    font-size: 2.75rem;
  }
}

@media (min-width: 901px) and (max-width: 1050px) {
  body[data-quote-type="apartment"] .quote-grid {
    grid-template-columns: 330px minmax(0, 1fr);
    gap: 48px;
  }
}

/* Frame direct-to-form links beneath the sticky header without clipping the card. */
.quote-area {
  scroll-margin-top: 228px;
}

.quote-grid,
.quote-grid > *,
.quote-card,
.multi-step-form,
.quote-step,
.form-grid,
.field {
  min-width: 0;
}

.quote-card {
  width: 100%;
  max-width: 100%;
}

@media (min-width: 901px) and (max-width: 1050px) {
  .quote-area {
    scroll-margin-top: 205px;
  }
}

@media (min-width: 701px) and (max-width: 900px) {
  .quote-area {
    scroll-margin-top: 110px;
  }
}

@media (max-width: 700px) {
  .quote-area {
    scroll-margin-top: 88px;
  }
}

@media (max-width: 900px) {
  .guide-layout {
    grid-template-columns: 1fr;
    gap: 42px;
  }

  .guide-sidebar {
    position: static;
  }
}

@media (max-width: 700px) {
  .guide-section {
    padding: 28px 0;
  }

  .guide-callout,
  .guide-sidebar {
    padding: 20px;
    border-radius: 18px;
  }
}