/* ============================================================
   TOTAL INSURANCE SYSTEMS — site.css
   Design system extracted from the chosen direction F
   ("Human Guidance" — Policygenius/Kin-informed).
   Fonts: Source Serif 4 (display) + Schibsted Grotesk (body/UI),
   loaded per-page via Google Fonts <link>.
   ============================================================ */

:root{
  --red:#A60002; --red-deep:#7E0002; --red-band:#7E0002; --tint:#F6E7E1;
  --ink:#201D1A; --ink-soft:#6B645C;
  --linen:#F7F3EC; --linen-2:#EFE8DC; --white:#FFFFFF; --dark-card:#211E1B;
  --line:rgba(32,29,26,.14);
  --star:#E9A13B; --ok:#2E6B4F; --err:#B3401F;
  --serif:'Source Serif 4',Georgia,serif;
  --sans:'Schibsted Grotesk','Helvetica Neue',Arial,sans-serif;
  --r:14px; --r-lg:22px;
  --shadow:0 1px 3px rgba(32,29,26,.06),0 12px 32px rgba(32,29,26,.09);
}

/* ---------- base ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);font-size:17px;line-height:1.62;color:var(--ink);
  background:var(--linen);-webkit-font-smoothing:antialiased}
img,svg,iframe{display:block;max-width:100%}
/* images carry intrinsic width/height attributes (reserves space, kills layout
   shift) — height:auto keeps the aspect ratio when max-width constrains them */
img{height:auto}
a{color:var(--red);text-decoration:none}
a:hover{color:var(--red-deep)}
:focus-visible{outline:3px solid rgba(166,0,2,.4);outline-offset:2px;border-radius:8px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.section{padding:clamp(56px,8vw,96px) 0}
.section-tight{padding:clamp(36px,5vw,60px) 0}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition-duration:.01ms!important;animation-duration:.01ms!important}
}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;
  padding:0 28px;border-radius:99px;font-family:var(--sans);font-size:1rem;font-weight:700;
  cursor:pointer;border:none;transition:background .13s ease,color .13s ease,border-color .13s ease}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:var(--red-deep);color:#fff}
.btn-line{background:transparent;color:var(--ink);border:1.5px solid var(--ink)}
.btn-line:hover{border-color:var(--red);color:var(--red)}
.btn-gold{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.btn-gold:hover{border-color:var(--red);color:var(--red)}
.btn[disabled]{opacity:.5;cursor:wait}

/* ---------- thin notification banner ---------- */
.top-banner{background:var(--red-deep);color:#fff}
.tb-inner{display:flex;align-items:center;justify-content:center;gap:12px;min-height:38px;
  padding-top:6px;padding-bottom:6px;position:relative}
.top-banner p{font-size:.85rem;font-weight:600;text-align:center;line-height:1.35}
.top-banner a{color:#FFD9D8;font-weight:700;white-space:nowrap}
.top-banner a:hover{color:#fff}
/* 44px tap target from padding alone — a negative offset here hangs past the
   viewport edge and gives the whole page 6px of horizontal scroll */
.tb-x{position:absolute;right:0;top:50%;transform:translateY(-50%);border:none;background:none;
  color:#F3C8C4;font-size:1.3rem;cursor:pointer;padding:11px 10px 11px 18px;line-height:1;
  min-height:44px}
.tb-x:hover{color:#fff}
.tb-tel{position:absolute;left:0;top:50%;transform:translateY(-50%);display:flex;align-items:center;
  gap:7px;color:#fff;font-weight:800;font-size:.88rem;white-space:nowrap}
.tb-tel:hover{color:#FFD9D8}
.tb-ico{width:14px;height:14px;color:#F3C8C4}
@media(max-width:940px){.tb-tel span{display:none}}
@media(max-width:560px){.tb-tel{display:none}}

/* ---------- carrier logo marquee ---------- */
.logo-marquee{background:var(--white);border-bottom:1px solid var(--line);padding:20px 0 22px;overflow:hidden}
.lm-label{text-align:center;font-size:.76rem;font-weight:700;letter-spacing:.18em;
  text-transform:uppercase;color:var(--ink-soft);margin-bottom:16px}
.lm-viewport{overflow:hidden}
.lm-track{display:flex;align-items:center;gap:56px;width:max-content;animation:lm 45s linear infinite;padding:0 32px}
/* logos are pre-normalized to a shared 200x104 canvas with equal optical
   weight (scripts/normalize-carrier-logos.py) — sizing by height alone is
   enough to keep wordmarks and marks reading at the same visual size */
/* muted, not grayscale: several carrier marks are very light, and
   grayscale + reduced opacity made them disappear on the white band */
.lm-track img{height:60px;width:auto;max-width:136px;object-fit:contain;
  filter:saturate(.62);opacity:.92;transition:filter .15s ease,opacity .15s ease}
.lm-track img:hover{filter:none;opacity:1}
@keyframes lm{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){
  .lm-track{animation:none}
  .lm-viewport{overflow-x:auto;-webkit-overflow-scrolling:touch}
}

/* ---------- Google reviews widget ---------- */
.greviews{display:grid;grid-template-columns:.9fr 1fr 1fr;gap:16px}
.grev{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:26px;
  display:flex;flex-direction:column}
.grev .stars{margin-bottom:10px}
.grev-text{font-size:.96rem;line-height:1.55;flex:1}
.grev-who{display:flex;align-items:center;gap:10px;margin-top:16px}
.grev-who b{display:block;font-size:.92rem}
.grev-who span{font-size:.78rem;color:var(--ink-soft);font-weight:600}
.grev.rating-card{background:var(--linen-2);box-shadow:none;text-align:center;align-items:center;
  justify-content:center;gap:4px}
.grev-g{display:flex;align-items:center;gap:8px;font-weight:700}
.grev-score{font-family:var(--serif);font-weight:700;font-size:3rem;line-height:1.05}
.grev.rating-card p{font-size:.85rem;color:var(--ink-soft);font-weight:600;margin-bottom:12px}
.grev.rating-card .btn{min-height:46px;font-size:.9rem}
@media(max-width:900px){.greviews{grid-template-columns:1fr}}

/* ---------- footer icon rows ---------- */
.fi-row{display:flex;align-items:baseline;gap:10px}
.fi{width:15px;height:15px;flex:none;color:#8F887D;transform:translateY(2px)}
.fi-row:hover .fi{color:var(--linen)}

/* ---------- utility row (tier 1 of the header) ----------
   Policyholder + company links, the phone, and the language switch. Keeping
   these out of the main bar is what lets the main bar stay short enough to
   read at a glance. Desktop only: the hamburger carries them on mobile. */
.nav-util{background:var(--linen-2);border-bottom:1px solid var(--line)}
.nav-util-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;
  min-height:36px}
.nu-tel{display:inline-flex;align-items:center;gap:7px;font-size:.84rem;font-weight:800;
  color:var(--ink);white-space:nowrap}
.nu-tel:hover{color:var(--red)}
.nu-ico{width:14px;height:14px;color:var(--red);flex:none}
.nu-links{display:flex;align-items:center;gap:20px}
.nu-links a{font-size:.84rem;font-weight:600;color:var(--ink-soft);white-space:nowrap}
.nu-links a:hover,.nu-links a[aria-current="page"]{color:var(--red)}
.nu-links .lang{border-color:rgba(32,29,26,.2)}
.nu-links .lang a,.nu-links .lang span{padding:5px 11px;font-size:.74rem}
@media(max-width:940px){.nav-util{display:none}}

/* ---------- nav (rendered by site.js) ---------- */
.nav{background:rgba(247,243,236,.93);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:40}
.nav-inner{display:flex;align-items:center;gap:18px;min-height:76px}
/* margin-right:auto keeps the right-hand controls right-aligned no matter
   which of them are rendered (the language switch is conditional) */
.brand{display:flex;align-items:center;gap:11px;color:var(--ink);margin-right:auto;
  padding:8px 0;min-height:44px}
.brand:hover{color:var(--ink)}
.brand svg{width:32px;height:32px;flex:none}
.brand-name{font-family:var(--serif);font-weight:700;font-size:1.15rem;line-height:1.05;white-space:nowrap}
.brand-name small{display:block;font-family:var(--sans);font-weight:600;font-size:.65rem;
  letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft)}
.nav-links{display:flex;gap:15px;margin-left:auto;align-items:center}
.nav-links a{color:var(--ink);font-weight:600;font-size:.93rem;white-space:nowrap}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--red)}
/* .nav-links a sets color + white-space:nowrap, which both leak into the
   dropdown panels — reset them there or the CTA turns dark and the editorial
   caption refuses to wrap and gets clipped */
.nav-links .dd-lead .btn-red,.nav-links .dd-lead .btn-red:hover{color:#fff}
.nav-links .dd-panel a{white-space:normal}
.nav-links .dd-panel a.dd-sub,.nav-links .dd-panel a.dd-phone{white-space:nowrap}
.lang{display:flex;border:1.5px solid var(--line);border-radius:99px;overflow:hidden;
  font-size:.78rem;font-weight:700;flex:none}
.lang a,.lang span{padding:7px 13px;color:var(--ink-soft);font-weight:700}
.lang .on{background:var(--ink);color:var(--linen)}
.lang span[aria-disabled]{opacity:.55;cursor:default}
.nav .btn{min-height:44px;padding:0 20px;font-size:.9rem;flex:none}

/* ---------- per-line dropdowns (one per coverage hub) ----------
   The panel is FULL-BLEED and anchored to .nav (which is sticky, so it is the
   containing block) rather than to its own button. Anchoring an 860px panel to
   a button in a right-aligned nav ran it off the right edge of the viewport
   and forced horizontal page scroll while open. */
.dd{position:static}
.dd-btn{border:none;background:none;font-family:var(--sans);font-weight:600;font-size:.93rem;
  color:var(--ink);cursor:pointer;padding:0;display:inline-flex;align-items:center;gap:5px;
  position:relative}
.dd-btn:hover{color:var(--red)}
.dd-caret{font-size:.7rem;transition:transform .12s ease}
.dd.open .dd-caret,.dd:hover .dd-caret{transform:rotate(180deg)}
/* active-line underline, and the same marker while the panel is open */
.dd-btn::after{content:"";position:absolute;left:0;right:0;bottom:-27px;height:3px;
  background:var(--red);border-radius:2px;opacity:0;transition:opacity .13s ease}
.dd.on .dd-btn::after,.dd.open .dd-btn::after,.dd:hover .dd-btn::after{opacity:1}
.dd.on .dd-btn{color:var(--red)}

.dd-panel{position:absolute;left:0;right:0;top:100%;background:var(--white);
  border-bottom:1px solid var(--line);box-shadow:0 14px 40px rgba(32,29,26,.16);
  display:none;z-index:50;padding:34px 0 38px}
.dd.open .dd-panel,.dd:hover .dd-panel{display:block}
.dd-grid{display:grid;grid-template-columns:.85fr 1.15fr .8fr;gap:clamp(26px,3vw,48px);
  align-items:start}
/* the sub-link column gets rules on both sides, like the reference */
.dd-subs{border-left:1px solid var(--line);border-right:1px solid var(--line);
  padding:2px clamp(20px,2.5vw,36px);display:grid;grid-template-columns:1fr 1fr;
  gap:2px 22px;align-content:start}
.dd-lead{display:flex;flex-direction:column;align-items:flex-start;gap:12px;max-width:26em}
.dd-lead-ico{width:30px;height:30px;color:var(--red);flex:none}
.dd-lead p{font-size:.95rem;color:var(--ink-soft);line-height:1.5}
.dd-lead .btn{min-height:46px;font-size:.92rem}
.dd-ico{width:17px;height:17px;flex:none;color:var(--red)}
.dd-sub{font-size:.94rem;font-weight:600;color:var(--ink-soft);padding:9px 0;white-space:nowrap}
.dd-sub:hover{color:var(--red)}
.dd-read{display:block;background:var(--linen-2);border-radius:var(--r);overflow:hidden;
  transition:background .13s ease}
.dd-read:hover{background:var(--tint)}
.dd-read img{width:100%;aspect-ratio:16/9;object-fit:cover}
.dd-read span{display:block;padding:14px 16px;font-size:.9rem;font-weight:600;color:var(--ink);
  line-height:1.45}
.dd-read b{color:var(--red);white-space:nowrap}
.dd-phone{display:flex;align-items:center;gap:8px;font-weight:700;font-size:.92rem;
  color:var(--ink)}
.dd-phone:hover{color:var(--red)}
@media(max-width:1080px){
  .dd-grid{grid-template-columns:1fr 1fr}
  .dd-read{display:none}
  .dd-subs{border-right:none}
}

/* nav phone (desktop) */
.nav-phone{display:flex;align-items:center;gap:7px;font-weight:700;font-size:.93rem;
  color:var(--ink);white-space:nowrap;flex:none}
.nav-phone:hover{color:var(--red)}
.np-ico{width:15px;height:15px;color:var(--red)}
@media(max-width:1180px){.nav-phone{display:none}}

/* burger + mobile menu */
.nav-burger{display:none;border:none;background:none;cursor:pointer;padding:10px;margin-left:auto}
.nav-burger span{display:block;width:24px;height:2.5px;background:var(--ink);margin:5px 0;
  border-radius:2px;transition:transform .18s ease,opacity .18s ease}
.nav-burger.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-burger.open span:nth-child(2){opacity:0}
.nav-burger.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
.mobile-menu{background:var(--linen);border-top:1px solid var(--line);padding:18px 24px 24px;
  max-height:calc(100vh - 76px);overflow-y:auto}
.mobile-menu nav{display:flex;flex-direction:column}
.mm-actions{display:flex;gap:10px;margin-bottom:14px}
.mm-actions .btn{flex:1;min-height:48px;font-size:.95rem}
.mm-hub{display:flex;align-items:center;gap:12px;font-weight:700;font-size:1.05rem;
  color:var(--ink);padding:12px 0;border-bottom:1px solid var(--line)}
.mm-ico{width:18px;height:18px;flex:none;color:var(--red)}
.mm-subs{display:flex;flex-wrap:wrap;gap:6px;padding:10px 0 12px 30px;border-bottom:1px solid var(--line)}
.mm-sub{font-weight:600;font-size:.85rem;color:var(--ink-soft);background:var(--white);
  border:1.5px solid var(--line);border-radius:99px;padding:7px 14px}
.mm-hub:hover,.mm-sub:hover{color:var(--red)}
@media(max-width:880px){
  .nav-links{display:none}
  .nav-burger{display:block;margin-left:0}
}
@media(max-width:400px){.brand-name{font-size:1.05rem}.brand svg{width:28px;height:28px}}
@media(min-width:881px){.mobile-menu{display:none!important}}
@media(max-width:560px){.nav .nav-quote{display:none}}

/* ---------- page hero (interior pages) ---------- */
.page-hero{padding:clamp(44px,6vw,72px) 0 clamp(28px,4vw,44px)}
.page-hero .page-hero .crumb a{color:var(--red)}
.page-hero h1{font-family:var(--serif);font-weight:700;font-size:clamp(2rem,4.4vw,3.1rem);
  line-height:1.1;letter-spacing:-.012em;max-width:18em}
.page-hero h1 em,.h-em{font-style:italic;font-weight:600;color:var(--red)}
.page-hero .sub{font-size:1.1rem;color:var(--ink-soft);max-width:38em;margin-top:16px}
.page-hero .hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}

/* ---------- home hero ---------- */
.hero{padding:clamp(48px,7vw,84px) 0 0}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(30px,5vw,60px);align-items:center;
  padding-bottom:clamp(36px,5vw,56px)}
.hero h1{font-family:var(--serif);font-weight:700;font-size:clamp(2.3rem,5vw,3.7rem);
  line-height:1.08;letter-spacing:-.015em}
.hero h1 em{font-style:italic;font-weight:600;color:var(--red);position:relative;white-space:nowrap}
.hero h1 em svg{position:absolute;left:0;bottom:-.18em;width:100%;height:.22em}
.hero .sub{font-size:1.12rem;color:var(--ink-soft);max-width:32em;margin:18px 0 28px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.hero-facts{display:flex;gap:8px 22px;flex-wrap:wrap;font-size:.9rem;font-weight:600;color:var(--ink-soft)}
/* margin, NOT a trailing space in content: CSS collapses trailing whitespace in
   generated content, so content:"✓ " rendered as "✓Family-owned" with no gap. */
.hero-facts span::before{content:"✓";margin-right:6px;color:var(--ok);font-weight:800}
/* 420, not 360: the review card is anchored bottom-right and at 360 its top
   edge landed on top of the main card's last list item, cutting "Storm season
   readiness" mid-word. The extra height drops the card clear of the text while
   keeping the overlapping-papers look. */
.stack{position:relative;min-height:420px}
.paper{position:absolute;background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:24px}
.paper-main{inset:0 40px 84px 0;transform:rotate(-1.2deg)}
.paper-main h3{font-family:var(--serif);font-weight:700;font-size:1.2rem;margin-bottom:14px}
.paper-main ul{list-style:none}
.paper-main li{display:flex;gap:10px;align-items:baseline;padding:8px 0;border-bottom:1px dashed var(--line);font-size:.95rem}
.paper-main li:last-child{border-bottom:none}
.paper-main li b{color:var(--ok);font-weight:800}
.paper-review{right:0;bottom:0;width:270px;transform:rotate(1.6deg)}
.paper-review .stars{color:var(--star);letter-spacing:2px;margin-bottom:6px}
.paper-review p{font-family:var(--serif);font-style:italic;font-size:.98rem;line-height:1.45}
.paper-review small{display:block;margin-top:10px;font-weight:600;color:var(--ink-soft);font-size:.78rem}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.stack{display:none}}

/* ---------- quick-find pill bar ---------- */
.finder{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);
  display:flex;align-items:center;gap:6px;padding:12px;flex-wrap:wrap;
  transform:translateY(50%);position:relative;z-index:2}
.finder .ask{font-weight:700;font-size:.95rem;padding:0 14px;white-space:nowrap}
.finder-links{display:flex;gap:6px;flex-wrap:wrap;flex:1}
.finder-links a{display:inline-flex;align-items:center;gap:8px;padding:11px 16px;border-radius:99px;
  color:var(--ink);font-weight:600;font-size:.92rem;border:1.5px solid var(--line);transition:all .12s ease}
.finder-links a:hover{border-color:var(--red);color:var(--red)}
.finder-links svg{width:17px;height:17px;color:var(--red)}
.finder .btn{margin-left:auto}
/* Mobile: the row must become a stack. `.ask` is nowrap and ~280px wide, and
   `.finder-links` has flex:1, so without these the links were squeezed into the
   ~60px left over and wrapped into a tall 1-wide column beside a mostly-empty
   card. Label on its own line, pills 2-up, CTA full width. */
@media(max-width:900px){
  .finder{transform:none;margin-bottom:-8px}
  .finder .ask{flex:1 1 100%;white-space:normal;padding:2px 4px 2px}
  .finder-links{flex:1 1 100%}
  .finder-links a{flex:1 1 calc(50% - 3px);justify-content:center}
  .finder .btn{margin-left:0;width:100%}
}

/* A paragraph whose whole content is one link is a standalone card CTA, not a
   sentence — so it gets a real tap target. WCAG 2.5.8 wants 24px minimum; these
   were rendering at 19px. Prose links are deliberately left alone. */
p.card-cta{margin-top:10px}
p.card-cta > a{display:inline-flex;align-items:center;min-height:44px}

/* ---------- trust strip ---------- */
.trust{background:var(--tint);padding:64px 0 26px}
.trust-inner{display:flex;align-items:center;justify-content:center;gap:12px 36px;flex-wrap:wrap;
  font-size:.92rem;font-weight:600;color:var(--ink)}
.trust .stars,.stars{color:var(--star);letter-spacing:2px}
.trust b{font-weight:800}
@media(max-width:900px){.trust{padding-top:34px}}

/* ---------- section headers ---------- */
.sec-head{text-align:center;max-width:640px;margin:0 auto clamp(32px,4vw,52px)}
.sec-head h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.8rem,3.6vw,2.6rem);
  line-height:1.15;letter-spacing:-.01em}
.sec-head h2 em{font-style:italic;color:var(--red)}
.sec-head p{color:var(--ink-soft);margin-top:12px}
.sec-head.left{text-align:left;margin-left:0}

/* ---------- weighted line mosaic (home) ----------
   Replaced four equal dark cards: home/property is the majority of the
   business, so it gets the large tile and the other three stack beside it.
   Photo fills the whole card with copy over a gradient. */
.mo{display:grid;grid-template-columns:1.35fr 1fr;gap:16px}
.mo-side{display:grid;gap:16px}
.mo-card{position:relative;border-radius:var(--r-lg);overflow:hidden;display:block;min-height:190px;
  background:var(--dark-card);transition:transform .14s ease,box-shadow .14s ease}
.mo-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.mo-card.big{min-height:100%}
.mo-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;
  transition:transform .4s ease}
.mo-card:hover img{transform:scale(1.04)}
.mo-card::after{content:"";position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(20,17,15,.05) 0%,rgba(20,17,15,.52) 48%,rgba(20,17,15,.93) 100%)}
/* the short side cards give copy less room over the photo, so darken sooner */
.mo-side .mo-card::after{
  background:linear-gradient(180deg,rgba(20,17,15,.12) 0%,rgba(20,17,15,.66) 42%,rgba(20,17,15,.95) 100%)}
.mo-txt{position:relative;z-index:2;padding:22px;color:#fff;height:100%;display:flex;
  flex-direction:column;justify-content:flex-end}
.mo-card.big .mo-txt{padding:clamp(22px,3vw,32px)}
.mo-txt h3{font-family:var(--serif);font-weight:700;font-size:1.35rem;display:flex;
  align-items:center;gap:9px}
.mo-txt h3 span{color:var(--star);transition:transform .14s ease}
.mo-card:hover .mo-txt h3 span{transform:translateX(4px)}
.mo-card.big .mo-txt h3{font-size:clamp(1.6rem,3vw,2.1rem)}
.mo-txt p{font-size:.88rem;color:#E4DED4;margin-top:5px;max-width:30em}
.mo-card.big .mo-txt p{font-size:1rem}
.mo-flag{align-self:flex-start;background:var(--red);color:#fff;border-radius:99px;padding:4px 12px;
  font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:10px}
.mo-chips{display:flex;gap:6px;flex-wrap:wrap;margin-top:12px}
.mo-chips span{background:rgba(255,255,255,.16);border-radius:99px;padding:4px 11px;font-size:.75rem;
  font-weight:700;color:#fff}
@media(max-width:860px){.mo{grid-template-columns:1fr}.mo-card.big{min-height:320px}}

/* ---------- substantiated stats band (home) ----------
   Every number carries a line of proof underneath — a bare number reads as
   filler. Only claims we can actually stand behind. */
.st1{background:var(--red-band);color:#fff}
.st1 h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.7rem,3.4vw,2.4rem);
  text-align:center;max-width:24em;margin:0 auto clamp(30px,4vw,46px);line-height:1.16}
.st1 h2 em{font-style:italic;color:#FFD9D8}
.st1-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(18px,3vw,34px)}
.st1-i{border-top:2px solid rgba(255,255,255,.28);padding-top:16px}
.st1-i b{display:block;font-family:var(--serif);font-weight:700;font-size:clamp(2.1rem,4vw,2.9rem);
  line-height:1}
.st1-star{font-size:.62em;color:var(--star);vertical-align:.12em}
.st1-i strong{display:block;font-size:.95rem;font-weight:700;margin:6px 0 8px}
.st1-i small{display:block;font-size:.78rem;line-height:1.48;color:#F0C9C7}
@media(max-width:860px){.st1-grid{grid-template-columns:1fr 1fr}}
@media(max-width:460px){.st1-grid{grid-template-columns:1fr}}

/* ---------- stats band (about page) ---------- */
.stats{background:var(--red-band);color:#fff}
.stats-grid{display:grid;grid-template-columns:1.1fr 1fr 1fr 1fr;gap:26px;align-items:center}
.stats h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.15}
.stats h2 em{font-style:italic;color:#F3C8C4}
.stat b{display:block;font-family:var(--serif);font-weight:700;font-size:clamp(2.2rem,4.2vw,3.2rem);line-height:1}
.stat span{font-size:.88rem;color:#F3C8C4;font-weight:600}
@media(max-width:900px){.stats-grid{grid-template-columns:1fr 1fr}.stats h2{grid-column:1/-1}}

/* ---------- reviews collage ---------- */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.rev{border-radius:var(--r-lg);padding:26px;background:var(--white);box-shadow:var(--shadow)}
.rev .stars{margin-bottom:10px}
.rev p{font-size:.96rem;line-height:1.55}
.rev small{display:block;margin-top:14px;font-weight:700;font-size:.8rem;color:var(--ink-soft)}
.rev.solid{background:var(--red);color:#fff}
.rev.solid p{font-family:var(--serif);font-style:italic;font-size:1.25rem;line-height:1.4}
.rev.solid small{color:#F3C8C4}
.rev.rating{display:flex;flex-direction:column;justify-content:center;text-align:center;
  background:var(--linen-2);box-shadow:none}
.rev.rating b{font-family:var(--serif);font-size:3rem;font-weight:700;line-height:1}
.rev.rating .stars{margin:8px auto 6px}
.rev.rating span{font-size:.85rem;color:var(--ink-soft);font-weight:600}
@media(max-width:900px){.reviews{grid-template-columns:1fr}}

/* ---------- numbered steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;counter-reset:s}
.step{background:var(--white);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow)}
.step::before{counter-increment:s;content:counter(s);display:inline-flex;align-items:center;
  justify-content:center;width:38px;height:38px;border-radius:99px;background:var(--ink);color:var(--linen);
  font-weight:700;font-family:var(--serif);font-size:1.1rem;margin-bottom:16px}
.step h3{font-size:1.08rem;font-weight:700;margin-bottom:6px}
.step p{font-size:.92rem;color:var(--ink-soft)}
@media(max-width:820px){.steps{grid-template-columns:1fr}}

/* ---------- forms ---------- */
.qwrap{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(32px,5vw,64px);align-items:center}
.qwrap h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.9rem,3.8vw,2.7rem);line-height:1.12}
.qwrap h2 em{font-style:italic;color:var(--red)}
.qwrap .sub{color:var(--ink-soft);margin:14px 0 24px;max-width:28em}
.q-points{list-style:none;font-size:.95rem;font-weight:600}
.q-points li{padding:7px 0 7px 26px;position:relative}
.q-points li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}
.qform{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:clamp(26px,4vw,40px)}
.qform h3{font-family:var(--serif);font-weight:700;font-size:1.4rem;margin-bottom:4px}
.qform .fine-top{font-size:.9rem;color:var(--ink-soft);margin-bottom:22px}
.f{margin-bottom:15px}
.f label{display:block;font-size:.88rem;font-weight:700;margin-bottom:6px}
.f input,.f select,.f textarea{width:100%;min-height:52px;padding:0 15px;font-family:var(--sans);
  font-size:1rem;color:var(--ink);background:var(--linen);border:1.5px solid var(--line);
  border-radius:12px;appearance:none}
.f textarea{min-height:110px;padding:14px 15px;resize:vertical}
.f select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='13' height='8' fill='none'%3E%3Cpath d='M1 1.5 6.5 6.5 12 1.5' stroke='%236B645C' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 15px center;padding-right:40px}
.f input:focus,.f select:focus,.f textarea:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(166,0,2,.13)}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.radios{display:flex;gap:10px;flex-wrap:wrap}
.radios label{flex:1;min-width:120px;display:flex;align-items:center;justify-content:center;min-height:52px;
  border:1.5px solid var(--line);border-radius:12px;font-weight:700;font-size:.95rem;cursor:pointer;background:var(--linen);padding:0 10px;text-align:center;position:relative}
.radios input{position:absolute;inset:0;width:100%;height:100%;opacity:0}
.radios label:has(input:checked){border-color:var(--red);background:var(--tint);color:var(--red-deep)}
.radios label:has(input:focus-visible){box-shadow:0 0 0 3px rgba(166,0,2,.3)}
.qform .btn{width:100%;margin-top:6px}
.qform .fine{margin-top:13px;font-size:.82rem;color:var(--ink-soft);text-align:center;font-weight:600}
.form-msg{margin-top:14px;padding:14px 16px;border-radius:12px;font-weight:600;font-size:.95rem;display:none}
.form-msg.ok{display:block;background:#E8F2EC;color:var(--ok)}
.form-msg.err{display:block;background:#F9E9E2;color:var(--err)}
/* honeypot */
.hp-field{position:absolute!important;left:-9999px!important;opacity:0;pointer-events:none}
/* Cloudflare Turnstile widget inside a lead form */
.form-captcha{margin:4px 0 16px}
@media(max-width:900px){
  .qwrap{grid-template-columns:1fr}
  .f-row{grid-template-columns:1fr}
  /* on a phone the form IS the page — don't make people scroll past the
     supporting copy (~1,700px on the quote page) to reach it */
  .qwrap .qform{order:-1;margin-bottom:28px}
}

/* ---------- FAQ ---------- */
.faq{max-width:760px;margin:0 auto}
.faq details{background:var(--white);border-radius:var(--r);margin-bottom:12px;box-shadow:var(--shadow)}
.faq summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:700;font-size:1rem;
  display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--serif);font-size:1.5rem;color:var(--red);flex:none}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 22px 18px;color:var(--ink-soft);font-size:.94rem}

/* ---------- prose (about/privacy/product detail) ---------- */
.prose{max-width:720px}
.prose h2{font-family:var(--serif);font-weight:700;font-size:1.6rem;line-height:1.2;margin:36px 0 12px}
.prose h3{font-size:1.1rem;font-weight:700;margin:26px 0 8px}
.prose p{margin-bottom:14px;color:#3B3630}
.prose ul{margin:0 0 14px 22px;color:#3B3630}
.prose li{margin-bottom:6px}
.check-list{list-style:none;margin:0 0 14px 0!important}
ul.check-list li,.info-card ul.check-list li{padding:4px 0 4px 26px;position:relative;margin-bottom:6px}
.check-list li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}

/* ---------- carrier wall + directory ---------- */
.carrier-wall{display:flex;flex-wrap:wrap;gap:10px}
.carrier-chip{background:var(--white);border:1.5px solid var(--line);border-radius:99px;
  padding:10px 18px;font-weight:700;font-size:.92rem;color:var(--ink-soft)}
.carrier-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:12px}
.carrier-tile{background:var(--white);border:1.5px solid var(--line);border-radius:var(--r);
  padding:18px 14px;display:flex;flex-direction:column;align-items:center;justify-content:center;
  gap:6px;text-align:center;min-height:144px;transition:border-color .13s ease,box-shadow .13s ease}
.carrier-tile:hover{border-color:var(--red);box-shadow:var(--shadow)}
.carrier-tile img{height:66px;width:auto;max-width:146px;object-fit:contain}
.carrier-tile span{font-size:.8rem;font-weight:700;color:var(--ink-soft);line-height:1.3}
.ct-name-big{font-size:1rem!important;color:var(--ink)!important;font-weight:800!important}
.carrier-tile.ct-more{border-style:dashed;color:var(--red);text-decoration:none}
.carrier-tile.ct-more:hover span{color:var(--red)}
.ct-plus{font-family:var(--serif);font-size:1.6rem!important;font-weight:700!important;color:var(--red)!important;line-height:1}
.dir-group{margin-bottom:36px}
.dir-group h3{font-family:var(--serif);font-weight:700;font-size:1.35rem;margin-bottom:14px}
.dir-table{width:100%;border-collapse:separate;border-spacing:0;background:var(--white);
  border-radius:var(--r-lg);box-shadow:var(--shadow);overflow:hidden;font-size:.95rem}
.dir-table th{text-align:left;font-size:.78rem;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;color:var(--ink-soft);padding:14px 18px;background:var(--linen-2)}
.dir-table td{padding:13px 18px;border-top:1px solid var(--line)}
.dir-table td b{font-weight:700}
.dir-table a{font-weight:700;white-space:nowrap}
/* Claims/payment numbers were 19px-tall text links — the smallest possible
   target for the single most urgent action on the site (calling your carrier
   mid-claim). Each phone cell holds exactly one link, so let the link's hit
   area cover the whole cell: 13+19+13 = 45px tall, and no layout change. */
.dir-table td:nth-child(2),.dir-table td:nth-child(3){position:relative}
.dir-table td:nth-child(2) a::after,.dir-table td:nth-child(3) a::after{content:"";position:absolute;inset:0}
.table-scroll{overflow-x:auto}
@media(max-width:640px){.dir-table th:nth-child(3),.dir-table td:nth-child(3){display:none}}

/* ---------- info cards (contact/about) ---------- */
.cards-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.info-card{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:28px}
/* an info-card that links somewhere: the whole card is the target, so the tap
   area is the card rather than a 28px line of heading text */
a.info-card{display:block;color:var(--ink);border:1.5px solid transparent;
  transition:border-color .13s ease,transform .13s ease}
a.info-card:hover{color:var(--ink);border-color:var(--red);transform:translateY(-3px)}
a.info-card h3 span{color:var(--red);margin-left:6px;display:inline-block;
  transition:transform .13s ease}
a.info-card:hover h3 span{transform:translateX(4px)}
/* Guide cards' "Read the guide →" line. It used to be an inner <a>; the card
   itself is now the anchor (anchors can't nest) so this needs the link's look
   back. Two classes to outrank `.info-card p`, which would otherwise win. */
.info-card .ic-cta{color:var(--red);font-weight:700;transition:transform .14s ease}
a.info-card:hover .ic-cta{color:var(--red-deep)}
.info-card h3{font-family:var(--serif);font-weight:700;font-size:1.25rem;margin-bottom:10px}
.info-card p,.info-card li{font-size:.95rem;color:#3B3630}
.info-card ul{list-style:none}
.info-card li{padding:5px 0}
.info-card .big{font-size:1.35rem;font-weight:800;color:var(--ink)}
.map-embed{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.map-embed iframe{width:100%;height:380px;border:0}
@media(max-width:820px){.cards-2,.cards-3{grid-template-columns:1fr}}

/* ---------- about page ---------- */
.about-hero{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(30px,5vw,60px);align-items:center}
.about-hero .photo{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.about-hero .photo img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}
.about-hero .photo figcaption{background:var(--white);padding:12px 18px;font-size:.82rem;
  font-weight:600;color:var(--ink-soft)}
@media(max-width:900px){.about-hero{grid-template-columns:1fr}}
.mission{background:var(--red-band);color:#fff;text-align:center}
.mission blockquote{font-family:var(--serif);font-style:italic;font-weight:600;
  font-size:clamp(1.5rem,3.4vw,2.3rem);line-height:1.3;max-width:24em;margin:0 auto}
.mission cite{display:block;font-family:var(--sans);font-style:normal;font-weight:600;
  font-size:.88rem;color:#F3C8C4;margin-top:18px}
.timeline{max-width:720px;margin:0 auto;position:relative;padding-left:34px}
.timeline::before{content:"";position:absolute;left:9px;top:8px;bottom:8px;width:2px;background:var(--line)}
.tl-item{position:relative;padding:0 0 30px}
.tl-item::before{content:"";position:absolute;left:-31px;top:7px;width:14px;height:14px;
  border-radius:99px;background:var(--red);border:3px solid var(--linen)}
.tl-item b{display:block;font-family:var(--serif);font-weight:700;font-size:1.35rem;color:var(--red);line-height:1.2}
.tl-item h3{font-size:1.05rem;font-weight:700;margin:4px 0 4px}
.tl-item p{font-size:.95rem;color:var(--ink-soft)}
.leader{display:flex;gap:20px;align-items:flex-start}
.leader-photo{width:118px;height:118px;border-radius:16px;object-fit:cover;flex:none;box-shadow:var(--shadow)}
@media(max-width:540px){.leader{flex-direction:column}.leader-photo{width:96px;height:96px}}
.monogram{width:62px;height:62px;border-radius:99px;background:var(--dark-card);color:var(--linen);
  font-family:var(--serif);font-weight:700;font-size:1.3rem;display:flex;align-items:center;
  justify-content:center;flex:none}

/* ---------- story band (dark timeline) ---------- */
.story-band{background:var(--dark-card);color:var(--linen)}
.story-band .sec-head h2{color:var(--linen)}
.story-band .sec-head h2 em{color:#E4938F}
.story-band .sec-head p{color:#CFC8BE}
.story-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.story-item{border-top:1px solid rgba(247,243,236,.18);padding-top:20px;position:relative}
.story-item::before{content:"";position:absolute;top:-1px;left:0;width:44px;height:3px;background:var(--red)}
.story-item b{display:block;font-family:var(--serif);font-weight:700;font-size:clamp(2.2rem,3.6vw,3rem);
  line-height:1;color:#E4938F;margin-bottom:10px}
.story-item h3{font-size:1.02rem;font-weight:700;margin-bottom:6px}
.story-item p{font-size:.9rem;color:#CFC8BE}
@media(max-width:900px){.story-grid{grid-template-columns:1fr 1fr}}
@media(max-width:540px){.story-grid{grid-template-columns:1fr}}

/* ---------- visit band (map + info panel) ---------- */
.visit-band{display:grid;grid-template-columns:1.05fr .95fr;border-radius:var(--r-lg);
  overflow:hidden;box-shadow:var(--shadow);background:var(--white)}
.visit-band .vb-map{min-height:420px}
.visit-band .vb-map iframe{width:100%;height:100%;border:0;display:block}
.vb-info{padding:clamp(28px,4vw,46px)}
.vb-info h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.15;margin-bottom:8px}
.vb-info h2 em{font-style:italic;color:var(--red)}
.vb-info .vb-sub{color:var(--ink-soft);font-size:.98rem;margin-bottom:18px}
.vb-rows{list-style:none;margin-bottom:22px}
.vb-rows li{display:flex;gap:12px;align-items:baseline;padding:10px 0;border-bottom:1px dashed var(--line);font-size:.98rem}
.vb-rows li:last-child{border-bottom:none}
.vb-rows svg{width:16px;height:16px;flex:none;color:var(--red);transform:translateY(2px)}
.vb-rows b{font-weight:700}
/* the two office numbers are tel: links — give them a real tap target */
.vb-rows a{display:inline-flex;align-items:center;min-height:44px}
.vb-rows a{font-weight:700}
.vb-ctas{display:flex;gap:12px;flex-wrap:wrap}
@media(max-width:880px){.visit-band{grid-template-columns:1fr}.visit-band .vb-map{min-height:300px}}
.badges{display:flex;flex-wrap:wrap;gap:6px;margin-top:10px}
.badge{background:var(--tint);color:var(--red-deep);border-radius:99px;padding:4px 12px;
  font-size:.76rem;font-weight:700;letter-spacing:.02em}
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.value{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:26px}
.value b{display:block;font-family:var(--serif);font-weight:700;font-size:1.3rem;margin-bottom:6px}
.value b em{font-style:italic;color:var(--red)}
.value p{font-size:.92rem;color:var(--ink-soft)}
@media(max-width:820px){.values{grid-template-columns:1fr}}

/* ---------- specialty photo cards ---------- */
.spec-card{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);
  overflow:hidden;display:flex;flex-direction:column;padding:0}
.spec-card img{width:100%;aspect-ratio:16/9;object-fit:cover;display:block}
.spec-body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
.spec-body h3{font-family:var(--serif);font-weight:700;font-size:1.25rem;margin-bottom:8px}
.spec-body p{font-size:.93rem;color:var(--ink-soft);flex:1}
/* min-height, not just margin: this is each specialty card's only CTA and it
   rendered as a 25px-tall text link. margin trimmed so the visual rhythm holds. */
.spec-body .go{margin-top:6px;font-weight:700;font-size:.95rem;
  display:flex;align-items:center;min-height:44px}

/* ---------- portrait duo (about hero) ---------- */
.duo{position:relative;min-height:430px}
.duo-card{position:absolute;background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);
  padding:12px 12px 14px;width:60%}
.duo-card img{width:100%;aspect-ratio:1;object-fit:cover;border-radius:14px;display:block}
.duo-card b{display:block;font-family:var(--serif);font-size:1rem;margin-top:10px}
.duo-card span{font-size:.78rem;color:var(--ink-soft);font-weight:600}
.duo-card.p1{left:0;top:0;transform:rotate(-2.5deg);z-index:1}
.duo-card.p2{right:0;bottom:0;transform:rotate(2deg)}
@media(max-width:900px){.duo{min-height:0;display:flex;gap:12px}
  .duo-card{position:static;width:50%;transform:none}}

/* ---------- open-now badge ---------- */
.open-badge{display:inline-flex;align-items:center;gap:8px;background:var(--white);
  border:1.5px solid var(--line);border-radius:99px;padding:8px 16px;font-size:.85rem;font-weight:800}
.open-badge .ob-dot{width:9px;height:9px;border-radius:99px;background:var(--ok)}
.open-badge.closed .ob-dot{background:#B3401F}

/* ---------- support section (real people) ---------- */
.support-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(30px,5vw,64px);align-items:center}
.sup-photo{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);background:var(--white)}
.sup-photo img{width:100%;display:block;aspect-ratio:4/4.4;object-fit:cover}
.sup-photo figcaption{padding:14px 20px}
.sup-photo b{display:block;font-family:var(--serif);font-size:1.05rem}
.sup-photo span{font-size:.82rem;color:var(--ink-soft);font-weight:600}
.sup-rows{display:flex;flex-direction:column;gap:12px;margin:22px 0 26px}
.sup-row{display:flex;gap:16px;align-items:flex-start;background:var(--white);
  border-radius:var(--r);box-shadow:var(--shadow);padding:18px 20px}
.sup-ico{width:44px;height:44px;border-radius:12px;background:var(--tint);color:var(--red);
  display:flex;align-items:center;justify-content:center;flex:none}
.sup-ico svg{width:22px;height:22px}
.sup-row b{display:block;font-size:1rem}
.sup-row p{font-size:.9rem;color:var(--ink-soft)}
@media(max-width:880px){.support-grid{grid-template-columns:1fr}.sup-photo{max-width:420px}}

/* ---------- fan-out flow (home: one request → carriers compete) ---------- */
.fan{display:grid;grid-template-columns:1fr auto 1fr auto 1.1fr;gap:0;align-items:center}
.fan-card{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:26px}
.fan-card h3{font-family:var(--serif);font-weight:700;font-size:1.2rem;margin-bottom:6px}
.fan-card .fc-sub{font-size:.88rem;color:var(--ink-soft);margin-bottom:14px}
.fan-badge{display:inline-block;background:var(--tint);color:var(--red-deep);border-radius:99px;
  padding:4px 12px;font-size:.76rem;font-weight:800;letter-spacing:.04em;margin-bottom:12px}
.ticket-line{height:10px;border-radius:6px;background:var(--linen-2);margin-bottom:9px}
.ticket-line.short{width:60%}
.ticket-btn{height:34px;border-radius:99px;background:var(--red);margin-top:12px;
  display:flex;align-items:center;justify-content:center;color:#fff;font-size:.8rem;font-weight:800}
.fan-link{width:clamp(34px,5vw,84px);height:4px;margin:0 10px;position:relative;overflow:hidden;
  border-radius:3px;background:rgba(166,0,2,.13)}
.fan-link::after{content:"";position:absolute;inset:0;
  background:repeating-linear-gradient(90deg,var(--red) 0 7px,transparent 7px 14px);
  animation:fanFlow 1.1s linear infinite}
@keyframes fanFlow{from{transform:translateX(-14px)}to{transform:translateX(0)}}
.fan-logos{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.fan-logo{background:var(--white);border:1.5px solid var(--line);border-radius:var(--r);
  padding:6px 10px;display:flex;align-items:center;justify-content:center;min-height:70px}
.fan-logo img{height:52px;width:auto;max-width:112px;object-fit:contain}
.fan-logo.more{border-style:dashed;color:var(--red);font-weight:800;font-size:.8rem;text-align:center}
.fan-result li{padding:7px 0 7px 26px;position:relative;font-size:.92rem;font-weight:600;list-style:none}
.fan-result li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}
.fan-result .btn{width:100%;margin-top:14px;min-height:48px;font-size:.95rem}
@media(max-width:960px){
  .fan{grid-template-columns:1fr;gap:14px;justify-items:center}
  .fan-card{width:100%;max-width:480px}
  .fan-link{width:4px;height:44px;margin:0}
  .fan-link::after{background:repeating-linear-gradient(180deg,var(--red) 0 7px,transparent 7px 14px);
    animation:fanFlowV 1.1s linear infinite}
}
@keyframes fanFlowV{from{transform:translateY(-14px)}to{transform:translateY(0)}}
@media(prefers-reduced-motion:reduce){.fan-link::after{animation:none}}

/* vs upgrades */
.vs-wrap{position:relative}
.vs-medal{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:58px;height:58px;
  border-radius:99px;background:var(--ink);color:var(--linen);display:flex;align-items:center;
  justify-content:center;font-family:var(--serif);font-weight:700;font-size:1.15rem;z-index:2;
  box-shadow:0 4px 16px rgba(32,29,26,.25)}
.vs-time{display:inline-block;border-radius:99px;padding:4px 12px;font-size:.75rem;font-weight:800;
  letter-spacing:.04em;margin-bottom:12px}
.vs-col.diy .vs-time{background:rgba(179,64,31,.12);color:#B3401F}
.vs-col.us .vs-time{background:#E8F2EC;color:var(--ok)}
@media(max-width:820px){.vs-medal{display:none}}

/* ---------- lead hero (hub pages) ----------
   Headline + subhead + a real starting input on the left, rounded photo on the
   right, then a trust band directly beneath. The input is not decoration: it
   carries the address into the quote form (see wireLeadHero in site.js). */
.lead-hero{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(28px,4vw,60px);
  align-items:center;padding:clamp(30px,4vw,52px) 0 clamp(34px,4vw,56px)}
.lead-hero h1{font-family:var(--serif);font-weight:700;font-size:clamp(2.2rem,4.8vw,3.5rem);
  line-height:1.08;letter-spacing:-.01em}
.lead-hero h1 em{font-style:italic;color:var(--red)}
.lead-hero .lh-sub{font-size:clamp(1.05rem,1.6vw,1.3rem);color:var(--ink-soft);
  margin:16px 0 0;max-width:26em}
.lh-form{margin-top:clamp(22px,3vw,32px);max-width:34em}
.lh-label{display:block;font-size:.92rem;font-weight:700;margin-bottom:9px}
.lh-row{display:flex;gap:10px;flex-wrap:wrap}
.lh-row input{flex:1 1 230px;min-height:58px;border:1.5px solid var(--ink);border-radius:12px;
  padding:0 18px;font-family:var(--sans);font-size:1rem;background:var(--white);color:var(--ink)}
.lh-row input::placeholder{color:#9A938A}
.lh-row input:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(166,0,2,.14)}
.lh-row .btn{flex:none;border-radius:12px;min-height:58px}
.lh-alt{display:flex;gap:8px;flex-wrap:wrap;align-items:center;margin-top:14px;font-size:.9rem;
  color:var(--ink-soft);font-weight:600}
.lh-alt a{font-weight:700;display:inline-flex;align-items:center;min-height:44px}
.lh-fine{margin-top:clamp(20px,3vw,30px);font-size:.88rem;color:var(--ink-soft);
  line-height:1.55;max-width:34em}
.lh-fine a{font-weight:700}
.lh-photo img{width:100%;border-radius:var(--r-lg);aspect-ratio:4/3;object-fit:cover;
  box-shadow:var(--shadow)}
@media(max-width:900px){
  .lead-hero{grid-template-columns:1fr;gap:24px;padding-top:20px}
  .lh-photo{order:-1}
  .lh-photo img{aspect-ratio:16/10}
}
/* once the button wraps under the input, give it the full width */
@media(max-width:560px){.lh-row .btn{width:100%}}

/* trust band directly under a lead hero — verifiable facts only */
.lh-trust{background:var(--tint);border-top:1px solid rgba(166,0,2,.12);
  border-bottom:1px solid rgba(166,0,2,.12)}
.lh-trust .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;
  flex-wrap:wrap;padding-top:16px;padding-bottom:16px}
.lh-trust b{font-size:1.02rem;font-weight:800;color:var(--red-deep)}
.lh-trust-items{display:flex;align-items:center;gap:clamp(12px,1.6vw,22px);flex-wrap:wrap;
  font-size:.87rem;font-weight:700;color:var(--ink)}
.lh-trust-items>span{display:flex;align-items:center;gap:7px}
.lh-trust-items .stars{font-size:.95rem;letter-spacing:.04em}
.lh-div{width:1px;height:22px;background:rgba(166,0,2,.22)}
@media(max-width:700px){.lh-div{display:none}}

/* ---------- quote funnel: line picker ----------
   Lived in an inline <style> in quote.html, so the generated Spanish
   page (which copies only the body) rendered the picker unstyled and the
   icons stretched. Shared here so both languages get it. */
/* quote-page-only: the line picker */
.line-picker{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:26px 0 30px}
.line-pick{display:flex;flex-direction:column;align-items:center;gap:10px;padding:20px 12px;
  background:var(--white);border:2px solid var(--line);border-radius:var(--r-lg);cursor:pointer;
  font-family:var(--sans);font-weight:700;font-size:.98rem;color:var(--ink);
  transition:border-color .12s ease,background .12s ease}
.line-pick svg{width:30px;height:30px;color:var(--red)}
.line-pick:hover{border-color:var(--red)}
.line-pick.on{border-color:var(--red);background:var(--tint);color:var(--red-deep)}
@media(max-width:640px){.line-picker{grid-template-columns:1fr 1fr}}
.q-side h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.8rem,3.4vw,2.4rem);line-height:1.14}
.q-side h2 em{font-style:italic;color:var(--red)}

/* ---------- coverage check (areas page hero) ----------
   The one question a visitor from Naples or Tallahassee actually has, with an
   answer they get without scrolling. Wired in site.js (checkCoverage). */
.cc{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);
  padding:clamp(26px,4vw,46px);display:grid;grid-template-columns:1.15fr .85fr;
  gap:clamp(26px,4vw,48px);align-items:center}
.cc h1{font-family:var(--serif);font-weight:700;font-size:clamp(2rem,4.4vw,3.1rem);line-height:1.1}
.cc h1 em{font-style:italic;color:var(--red)}
.cc>div>p{color:var(--ink-soft);margin:14px 0 22px;max-width:32em}
.cc-kicker{font-size:.76rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--red)}
.cc-form{display:flex;gap:10px;flex-wrap:wrap}
.cc-form input{flex:1 1 190px;min-height:56px;border:1.5px solid var(--line);border-radius:99px;
  padding:0 22px;font-family:var(--sans);font-size:1rem;background:var(--linen);color:var(--ink)}
.cc-form input:focus{outline:none;border-color:var(--red);background:#fff}
.cc-form .btn{flex:none}
.cc-out{margin-top:18px;border-radius:var(--r);padding:14px 18px;font-size:.93rem;font-weight:700;
  display:none;line-height:1.5}
.cc-out[data-on]{display:block}
.cc-out.yes{background:#E8F2EC;color:var(--ok)}
.cc-out.no{background:#FBEDE9;color:var(--err)}
.cc-out.ask{background:var(--tint);color:var(--red-deep)}
.cc-out a{font-weight:800;text-decoration:underline}
.cc-chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:20px}
.cc-chips span{font-size:.8rem;font-weight:700;color:var(--ink-soft);background:var(--linen-2);
  border-radius:99px;padding:7px 14px}
.cc-map img{width:100%;height:auto}
@media(max-width:900px){
  .cc{grid-template-columns:1fr}
  .cc-map{order:-1;max-width:260px;margin:0 auto}
}

/* ---------- region cards (areas page) ----------
   Each card is Florida with its own region lit, so you recognize yours at a
   glance. Assets generated into img/regions/ from the HD state path. */
.rg{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.rg-card{background:var(--white);border:1.5px solid var(--line);border-radius:var(--r-lg);
  padding:22px;display:block;transition:border-color .13s ease,box-shadow .13s ease,transform .13s ease}
.rg-card:hover{border-color:var(--red);box-shadow:var(--shadow);transform:translateY(-3px)}
.rg-top{display:flex;align-items:center;gap:16px;margin-bottom:14px}
.rg-top img{width:82px;height:auto;flex:none}
.rg-top h3{font-family:var(--serif);font-weight:700;font-size:1.2rem;color:var(--ink);line-height:1.15}
.rg-top small{display:block;font-size:.74rem;font-weight:800;color:var(--red);letter-spacing:.08em;
  text-transform:uppercase;margin-top:4px}
.rg-card p{font-size:.88rem;color:var(--ink-soft);margin-bottom:12px}
.rg-cities{display:flex;flex-wrap:wrap;gap:5px}
.rg-cities span{font-size:.75rem;font-weight:700;color:var(--ink-soft);background:var(--linen-2);
  border-radius:99px;padding:4px 10px}
.rg-go{display:inline-block;margin-top:14px;font-size:.85rem;font-weight:800;color:var(--red)}
@media(max-width:900px){.rg{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.rg{grid-template-columns:1fr}}

/* ---------- neighborhood link row (areas page) ---------- */
.hood-links{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.hood-links a{background:var(--white);border:1.5px solid var(--line);border-radius:99px;
  padding:11px 20px;font-size:.92rem;font-weight:700;color:var(--ink);
  transition:border-color .13s ease,color .13s ease}
.hood-links a:hover{border-color:var(--red);color:var(--red)}
/* county list: informational chips, not links — there are no county pages */
.hood-links.as-chips span{background:var(--white);border:1.5px solid var(--line);
  border-radius:99px;padding:9px 16px;font-size:.88rem;font-weight:700;color:var(--ink-soft)}
.hood-links.as-chips .all-67{background:var(--tint);border-color:transparent;color:var(--red-deep)}

/* ---------- mini Florida map (home areas teaser) ---------- */
.fl-teaser{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(30px,5vw,60px);align-items:center}
@media(max-width:880px){.fl-teaser{grid-template-columns:1fr}}
.mini-map-card{background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:clamp(14px,2vw,22px)}
.mini-map-card svg,.mini-map-card img{width:100%;height:auto;display:block}
@keyframes hqPing{0%{transform:scale(.5);opacity:.9}80%{transform:scale(1.7);opacity:0}100%{opacity:0}}
@media(prefers-reduced-motion:reduce){.fl-hq-ring{animation:none!important}}

/* ---------- vs comparison band (home) ---------- */
.vs-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:920px;margin:0 auto}
.vs-col{border-radius:var(--r-lg);padding:30px}
.vs-col h3{font-family:var(--serif);font-weight:700;font-size:1.3rem;margin-bottom:16px}
.vs-col ul{list-style:none}
.vs-col li{padding:9px 0 9px 30px;position:relative;font-size:.96rem;border-bottom:1px dashed var(--line)}
.vs-col li:last-child{border-bottom:none}
.vs-col.diy{background:var(--linen-2)}
.vs-col.diy li{color:var(--ink-soft)}
.vs-col.diy li::before{content:"✕";position:absolute;left:0;color:#B3401F;font-weight:800}
.vs-col.us{background:var(--white);box-shadow:var(--shadow);border:2px solid var(--red)}
.vs-col.us li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}
.vs-col .btn{width:100%;margin-top:18px}
@media(max-width:820px){.vs-grid{grid-template-columns:1fr}}

/* ---------- split photo band (hub pages) ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px);align-items:center}
.s-photo{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.s-photo img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3;display:block}
.split.rev .s-photo{order:2}
.split h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.7rem,3.4vw,2.4rem);line-height:1.15;margin-bottom:14px}
.split h2 em{font-style:italic;color:var(--red)}
.split p{color:#3B3630;margin-bottom:12px}
.split .btn{margin-top:10px}
@media(max-width:880px){.split{grid-template-columns:1fr}.split.rev .s-photo{order:0}}

/* ---------- ready-to-talk band ---------- */
.talk-band{background:var(--dark-card);color:var(--linen);border-radius:var(--r-lg);
  text-align:center;padding:clamp(44px,6vw,72px) 24px}
.talk-faces{display:flex;justify-content:center;align-items:center;margin-bottom:22px}
.talk-faces img{width:66px;height:66px;border-radius:99px;object-fit:cover;
  border:3px solid var(--linen);box-shadow:0 3px 12px rgba(0,0,0,.4)}
.talk-faces img+img{margin-left:-14px}
.talk-faces img:last-child{width:78px;height:78px;position:relative;z-index:1}
.talk-band h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.7rem,3.6vw,2.5rem);line-height:1.15}
.talk-band h2 em{font-style:italic;color:#E4938F}
.talk-meta{list-style:none;display:flex;justify-content:center;flex-wrap:wrap;gap:6px 14px;
  margin:18px 0 28px;font-size:.95rem;font-weight:600;color:#CFC8BE}
/* the phone number is the primary conversion action — give it a real tap
   target instead of a 19px-tall inline text link */
.talk-meta a{color:var(--linen);display:inline-flex;align-items:center;min-height:44px}
.talk-meta a:hover{color:#fff}
.talk-meta li+li::before{content:"·";margin-right:14px;color:rgba(247,243,236,.45)}
.btn-white{background:var(--linen);color:var(--ink)}
.btn-white:hover{background:#fff;color:var(--ink)}
@media(max-width:620px){
  .talk-meta{flex-direction:column;gap:8px}
  .talk-meta li+li::before{content:none}
}

/* ---------- closer ---------- */
.closer{text-align:center;padding-bottom:clamp(64px,9vw,110px)}
.closer h2{font-family:var(--serif);font-weight:700;font-size:clamp(2rem,4.4vw,3.1rem);line-height:1.1}
.closer h2 em{font-style:italic;color:var(--red)}
.closer p{color:var(--ink-soft);margin:14px auto 28px;max-width:32em}

/* ---------- footer (rendered by site.js) ---------- */
.footer{background:var(--ink);color:#B9B2A8;padding:0 0 30px}
.foot-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;
  padding:44px 0 40px;border-bottom:1px solid rgba(247,243,236,.14);margin-bottom:44px}
.foot-cta h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.7rem,3.4vw,2.4rem);
  line-height:1.12;color:var(--linen)}
.foot-cta h2 em{font-style:italic;color:#E4938F}
.foot-cta p{margin-top:8px;font-size:.98rem}
.foot-cta-btns{display:flex;gap:12px;flex-wrap:wrap}
.btn-foot{background:transparent;color:var(--linen);border:1.5px solid rgba(247,243,236,.4)}
.btn-foot:hover{border-color:var(--linen);color:#fff}
.foot-brand p{margin-top:12px;max-width:26em;font-size:.92rem}
.foot-stars{font-weight:700;color:var(--linen)}
.foot-stars .stars{font-size:.85rem}
.foot-est{font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;font-weight:600}
.foot-addr{color:#8F887D}
/* brand row (horizontal, above link columns) */
.foot-brandrow{display:flex;align-items:center;gap:28px;flex-wrap:wrap;margin-bottom:36px}
.fb-blurb{font-size:.92rem;max-width:34em;flex:1;min-width:240px}
.fb-cred{display:flex;flex-direction:column;gap:4px;align-items:flex-end;text-align:right}
@media(max-width:700px){.fb-cred{align-items:flex-start;text-align:left}}
.foot-grid{display:grid;grid-template-columns:1.5fr .9fr .9fr .9fr 1.1fr;gap:32px;margin-bottom:36px}
.foot-grid.cols-4{grid-template-columns:1.5fr 1fr 1fr 1.2fr}
.foot-grid.links-5{grid-template-columns:repeat(5,1fr);margin-bottom:30px}
@media(max-width:1000px){.foot-grid.links-5{grid-template-columns:repeat(3,1fr)}}
@media(max-width:600px){.foot-grid.links-5{grid-template-columns:1fr 1fr}}
/* horizontal contact strip */
.foot-contact{display:flex;flex-wrap:wrap;gap:12px 30px;border-top:1px solid rgba(247,243,236,.14);
  padding:20px 0;font-size:.9rem}
.fc-item{display:flex;align-items:center;gap:9px}
.fc-item .fi{transform:none;color:#8F887D}
.fc-item a{color:#B9B2A8;font-weight:600;display:inline-flex;align-items:center;min-height:44px}
.fc-item a:hover{color:var(--linen)}
.footer .brand{color:var(--linen)}
.footer .brand-name small{color:#8F887D}
/* footer list entries that are labels rather than links (counties) */
.fl-plain{color:#8F887D;font-size:.92rem}
.footer h4{font-size:.78rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;
  color:var(--linen);margin-bottom:14px}
.footer p,.footer li{font-size:.92rem}
.footer ul{list-style:none}
.footer li{padding:4px 0}
.footer a{color:#B9B2A8}
/* Phone: on mobile every footer column link was an 18px-tall text box with a
   14px DEAD gap between them — the gap belonged to the li, so it wasn't
   tappable. Move the spacing onto the anchor so the whole row is the target. */
@media(max-width:700px){
  .footer .foot-grid li{padding:0}
  .footer .foot-grid li a{display:block;padding:8px 0}
}
.footer a:hover{color:var(--linen)}
.foot-bottom{border-top:1px solid rgba(247,243,236,.14);padding-top:20px;display:flex;
  justify-content:space-between;gap:10px;flex-wrap:wrap;font-size:.8rem}
@media(max-width:1000px){.foot-grid{grid-template-columns:1fr 1fr 1fr}.foot-brand{grid-column:1/-1}}
@media(max-width:540px){.foot-grid{grid-template-columns:1fr 1fr}}

/* ---------- sticky mobile action bar ---------- */
.mobile-bar{display:none}
@media(max-width:560px){
  .mobile-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;
    box-shadow:0 -4px 20px rgba(32,29,26,.18)}
  .mobile-bar a{flex:1;display:flex;align-items:center;justify-content:center;min-height:56px;
    font-weight:800;font-size:1rem;padding-bottom:env(safe-area-inset-bottom)}
  .mb-call{background:var(--ink);color:var(--linen)}
  .mb-call:hover{color:#fff}
  .mb-quote{background:var(--red);color:#fff}
  .mb-quote:hover{color:#fff;background:var(--red-deep)}
  body{padding-bottom:56px}
}

/* ---------- directory carrier logos ---------- */
.dir-carrier{display:flex;align-items:center;gap:12px}
.dir-carrier img{height:48px;width:110px;object-fit:contain;object-position:left center;flex:none;
  background:#fff}
@media(max-width:480px){.dir-carrier img{display:none}}