/* =========================================================
   Wilk Insurance Group — Shared stylesheet (editorial warm)
   ========================================================= */
:root{
  /* Mist Blue-Grey palette — navy + ochre on cool blue-grey */
  --cream:#f3f5f8;        /* page background */
  --paper-warm:#eaeef3;   /* slightly cooler alt-section */
  --paper:#e6eaf0;        /* panel / card */
  --ink:#101421;
  --ink-soft:#34394a;
  --gray:#646b7b;
  --line:#ced4dd;
  --line-soft:#dce1ea;
  --rule:#dce1ea;
  --forest:#162e54;       /* brand navy */
  --forest-deep:#0b1c3a;  /* deep navy (topbar, footer) */
  --forest-soft:#2a4677;  /* mid navy */
  --amber:#a87340;        /* warm ochre accent */
  --amber-deep:#8a5a2c;

  --serif:'Source Serif 4','Source Serif Pro', Georgia, serif;
  --sans:'Work Sans', system-ui, -apple-system, sans-serif;
  --mono:'JetBrains Mono', ui-monospace, monospace;

  --max:1240px;
  --narrow:880px;
}

*{box-sizing:border-box;margin:0;padding:0}
html,body{background:var(--cream);color:var(--ink);font-family:var(--sans);font-weight:400;line-height:1.6;-webkit-font-smoothing:antialiased;max-width:100%}
body{word-wrap:break-word;overflow-wrap:break-word}
img,iframe,video{max-width:100%}
/* Fraunces: keep standard ligatures only — disable discretionary/contextual that produce
   the broken "ff/fi" stack in certain optical sizes. Apply broadly to serif text. */
h1,h2,h3,h4,h5,h6,.brand .word,.section-title,.hero h1,.hero h2,em,.ed-card h3,.run-head,.section-lede em{
  font-variant-ligatures:common-ligatures;
  font-feature-settings:"liga" 1, "dlig" 0, "clig" 0, "calt" 0;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}

/* ---------- top bar ---------- */
.topbar{
  background:var(--forest-deep);color:#cfd6e2;
  font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;
  height:34px;display:flex;align-items:center;
}
.topbar .inner{max-width:var(--max);margin:0 auto;padding:0 32px;width:100%;display:flex;align-items:center;justify-content:space-between;gap:24px}
.topbar .left{display:flex;align-items:center;gap:14px}
.topbar .right{display:flex;align-items:center;gap:22px}
.topbar .dot{width:5px;height:5px;border-radius:50%;background:var(--amber)}
.topbar a:hover{color:var(--amber)}
.topbar .sep{color:#3a5176}

/* ---------- nav ---------- */
.nav{
  background:rgba(243,245,248,.92);backdrop-filter:saturate(140%) blur(8px);
  -webkit-backdrop-filter:saturate(140%) blur(8px);
  border-bottom:1px solid var(--line-soft);
  position:sticky;top:0;z-index:50;
}
.nav .inner{max-width:1560px;margin:0 auto;padding:20px 32px;display:flex;align-items:center;justify-content:space-between;gap:32px}

.brand{display:flex;align-items:center;gap:22px;line-height:1}
.brand .seal{
  display:flex;align-items:center;gap:20px;flex-shrink:0;
  padding-right:22px;border-right:2px solid var(--amber);
}
.brand .seal .w{
  font-family:var(--serif);font-style:italic;font-weight:400;font-size:58px;
  line-height:.78;letter-spacing:-.05em;color:var(--forest);
  font-variation-settings:'opsz' 60;
}
.brand .wm{display:flex;flex-direction:column;gap:6px;white-space:nowrap}
.brand .word{font-family:var(--serif);font-weight:600;font-size:28px;color:var(--ink);letter-spacing:-.01em;white-space:nowrap}
.brand .word em{font-style:italic;font-weight:600;color:var(--forest)}
.brand .est{font-family:var(--mono);font-size:11px;letter-spacing:.20em;text-transform:uppercase;color:var(--gray)}
.brand .est .orn{color:var(--amber);margin:0 6px}


.navlinks{display:flex;align-items:center;gap:16px;list-style:none}
.navlinks a{
  font-family:var(--sans);font-size:16px;color:var(--ink-soft);font-weight:500;letter-spacing:0;
  padding:6px 0;border-bottom:1px solid transparent;transition:color .2s, border-color .2s;
  white-space:nowrap;
}
.navlinks a:hover,.navlinks a.active{color:var(--forest);border-color:var(--amber)}

.btn{
  font-family:var(--sans);font-size:12px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
  padding:13px 22px;border:1px solid var(--forest);background:var(--forest);color:#f3f5f8;
  transition:background .2s, color .2s, border-color .2s;display:inline-flex;align-items:center;gap:10px;cursor:pointer;
  white-space:nowrap;
}
.nav .btn{min-width:144px;justify-content:center}
@media (max-width:1100px) and (min-width:900px){
  .nav .btn{letter-spacing:.06em;padding-left:14px;padding-right:14px;min-width:130px}
}
.btn:hover{background:var(--forest-deep);border-color:var(--forest-deep)}
.btn.amber{background:transparent;color:var(--amber-deep);border-color:var(--amber)}
.btn.amber:hover{background:var(--amber);color:#fff;border-color:var(--amber)}
.btn.light{background:transparent;color:var(--cream);border-color:#4a6388}
.btn.light:hover{background:var(--cream);color:var(--forest);border-color:var(--cream)}
.btn.amber-light{background:transparent;border-color:var(--amber);color:var(--amber)}
.btn.amber-light:hover{background:var(--amber);color:var(--forest-deep)}

/* ---------- sections ---------- */
.section{padding:80px 32px;position:relative}
.section.tight{padding:60px 32px}
.section.coverage-intro{padding-bottom:80px}
.section-rule{width:64px;height:1px;background:var(--amber);margin:32px auto 0}
.section.paper{background:var(--paper)}
.section.paper-warm{background:var(--paper-warm)}
.section.forest{background:var(--forest);color:#cfd6e2}
.section.forest-deep{background:var(--forest-deep);color:#cfd6e2}
.container{max-width:var(--max);margin:0 auto}
.narrow{max-width:var(--narrow);margin:0 auto}

/* ---------- eyebrow (single thin amber line on left) ---------- */
.eyebrow{
  font-family:var(--mono);font-size:11px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--gray);display:inline-flex;align-items:center;gap:14px;margin-bottom:16px;
}
.eyebrow::before{content:"";width:32px;height:1px;background:var(--amber)}
.section.forest .eyebrow,.section.forest-deep .eyebrow{color:#b5c2d6}
.section.forest .eyebrow::before,.section.forest-deep .eyebrow::before{background:var(--amber)}
.eyebrow.center{justify-content:center}

/* ---------- section titles ---------- */
.section-title{
  font-family:var(--serif);font-weight:400;font-size:52px;line-height:1.08;letter-spacing:-.015em;
  color:var(--ink);max-width:920px;text-wrap:balance;
  font-variation-settings:'opsz' 60;
}
.section-title em{font-style:italic;color:var(--forest)}
.section-title.center{margin-left:auto;margin-right:auto;text-align:center}
.section-title.amber em{color:var(--amber-deep)}
.section.forest .section-title,.section.forest-deep .section-title{color:#f3f5f8}
.section.forest .section-title em,.section.forest-deep .section-title em{color:var(--amber)}
.section-lede{
  font-family:var(--sans);font-size:17px;line-height:1.7;color:var(--ink-soft);
  max-width:680px;margin-top:18px;text-wrap:pretty;
}
.section-lede.center{margin-left:auto;margin-right:auto;text-align:center}
.section.forest .section-lede,.section.forest-deep .section-lede{color:#b5c2d6}

/* ---------- asymmetric hero ---------- */
.hero{padding:64px 32px 0}
.hero-grid{
  display:grid;grid-template-columns:minmax(0,1.45fr) minmax(0,1fr);gap:80px;align-items:start;
  max-width:var(--max);margin:0 auto;
}
.hero h1{
  font-family:var(--serif);font-weight:400;font-size:72px;line-height:1.02;letter-spacing:-.025em;
  color:var(--ink);text-wrap:balance;margin-top:20px;
  font-variation-settings:'opsz' 60;
}
.hero h1 em{font-style:italic;color:var(--forest)}
.hero .lede{
  font-family:var(--sans);font-size:18px;line-height:1.7;color:var(--ink-soft);
  margin-top:32px;max-width:560px;text-wrap:pretty;
}
.hero .cta-row{display:flex;gap:14px;margin-top:40px;flex-wrap:wrap}

/* hero side rail (right column) */
.hero-rail{
  border-left:1px solid var(--amber);padding:8px 0 8px 32px;
  display:flex;flex-direction:column;gap:28px;margin-top:32px;
}
.hero-rail .label{font-family:var(--mono);font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:var(--amber-deep)}
.hero-rail blockquote{
  font-family:var(--serif);font-style:italic;font-weight:400;font-size:22px;line-height:1.4;
  color:var(--ink);text-wrap:pretty;letter-spacing:-.005em;
  font-variation-settings:"opsz" 36;
}
.hero-rail .attr{font-family:var(--mono);font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--gray)}
.hero-rail .credits{display:flex;flex-direction:column;gap:14px;border-top:1px solid var(--line-soft);padding-top:24px}
.hero-rail .credit{display:flex;align-items:baseline;gap:18px}
.hero-rail .credit .n{font-family:var(--mono);font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--amber-deep);min-width:42px;white-space:nowrap;flex-shrink:0}
.hero-rail .credit .t{font-family:var(--serif);font-size:17px;color:var(--ink);letter-spacing:-.005em}
.hero-rail .credit .t em{font-style:italic;color:var(--forest)}

/* ---------- hero stat row (3 stats, vertical dividers) ---------- */
.stat-row{
  max-width:var(--max);margin:96px auto 0;padding:48px 0;
  border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft);
  display:grid;grid-template-columns:repeat(3,1fr);position:relative;
}
.stat{padding:8px 32px;position:relative}
.stat + .stat::before{content:"";position:absolute;left:0;top:8px;bottom:8px;width:1px;background:var(--amber);opacity:.55}
.stat .l{font-family:var(--mono);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray)}
.stat .v{font-family:var(--serif);font-size:64px;color:var(--forest);line-height:1;letter-spacing:-.03em;margin-top:14px;font-variation-settings:'opsz' 60}
.stat .v em{font-style:italic;color:var(--amber-deep)}
.stat .s{font-family:var(--sans);font-size:14px;color:var(--ink-soft);margin-top:12px}

/* ---------- coverage 2x2 cards ---------- */
.cov-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:64px}
.cov-card{
  background:var(--paper);padding:40px 36px 36px;position:relative;
  border:1px solid var(--line-soft);
  display:flex;flex-direction:column;gap:18px;min-height:320px;
  transition:transform .25s, box-shadow .25s;
}
.cov-card::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:var(--amber)}
.cov-card:hover{transform:translateY(-3px);box-shadow:0 24px 48px -28px rgba(45,74,62,.25)}
.cov-card .no{font-family:var(--mono);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--amber-deep)}
.cov-card h3{font-family:var(--serif);font-weight:400;font-size:34px;line-height:1.1;letter-spacing:-.015em;color:var(--ink);font-variation-settings:"opsz" 72}
.cov-card h3 em{font-style:italic;color:var(--forest)}
.cov-card .sub{font-family:var(--sans);font-size:14px;color:var(--ink-soft);line-height:1.65}
.cov-card .sub .mid{color:var(--amber);margin:0 6px;font-style:italic}
.cov-card .more{
  margin-top:auto;font-family:var(--serif);font-style:italic;font-size:16px;color:var(--amber-deep);
  letter-spacing:.005em;display:inline-flex;align-items:center;gap:6px;
}
.cov-card .more::after{content:"→";font-style:normal;transition:transform .2s}
.cov-card:hover .more::after{transform:translateX(4px)}

/* ---------- 3-card editorial grid (roman numerals) ---------- */
.three-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;margin-top:56px}
.ed-card{
  background:var(--paper);border:1px solid var(--line-soft);
  padding:36px 32px;display:flex;flex-direction:column;gap:14px;min-height:280px;position:relative;
}
.ed-card::before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:var(--amber)}
.ed-card .rn{font-family:var(--serif);font-style:italic;font-size:26px;color:var(--amber-deep);line-height:1;font-variation-settings:"opsz" 36}
.ed-card h3{font-family:var(--serif);font-size:24px;font-weight:400;line-height:1.2;letter-spacing:-.005em;color:var(--ink);font-variation-settings:"opsz" 36;text-wrap:balance;min-height:2.4em}
.ed-card h3 em{font-style:italic;color:var(--forest)}
.ed-card p{font-family:var(--sans);font-size:14.5px;color:var(--ink-soft);line-height:1.7}
.ed-card .label{font-family:var(--mono);font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray)}

/* carrier list links — quiet, hover ochre underline */
.carriers a{color:inherit;text-decoration:none;border-bottom:1px solid transparent;transition:border-color .2s, color .2s;padding-bottom:1px}
.carriers a:hover{color:var(--amber-deep);border-bottom-color:var(--amber)}

/* ---------- founder card ---------- */
.founders{display:grid;grid-template-columns:1fr 1fr;gap:56px;margin-top:64px}
.founder{display:flex;flex-direction:column}
.portrait{
  aspect-ratio:4/5;position:relative;overflow:hidden;
  background:
    radial-gradient(circle at 30% 25%, rgba(168,115,64,.22), transparent 55%),
    radial-gradient(circle at 80% 80%, rgba(42,70,119,.45), transparent 60%),
    linear-gradient(180deg, #2a4677 0%, var(--forest) 55%, var(--forest-deep) 100%);
  display:flex;align-items:center;justify-content:center;
}
.portrait::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background-image:
    radial-gradient(rgba(243,245,248,.07) 1px, transparent 1px),
    radial-gradient(rgba(0,0,0,.08) 1px, transparent 1px);
  background-size:3px 3px, 5px 5px;
  background-position:0 0, 1px 1px;
  mix-blend-mode:overlay;opacity:.7;
}
.portrait .initial{
  font-family:var(--serif);font-style:italic;font-weight:400;font-size:240px;color:var(--amber);
  line-height:.85;letter-spacing:-.05em;position:relative;
  font-variation-settings:'opsz' 60;
  text-shadow:0 2px 30px rgba(168,115,64,.15);
}
.portrait .corner{position:absolute;top:20px;left:22px;font-family:var(--mono);font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:#b5c2d6}
.portrait .corner-r{position:absolute;bottom:20px;right:22px;font-family:var(--mono);font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:#b5c2d6}

.founder .meta{padding:24px 4px 0;display:flex;flex-direction:column;gap:6px}
.founder .role{font-family:var(--mono);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--amber-deep)}
.founder .name{font-family:var(--serif);font-size:34px;font-weight:400;color:var(--ink);letter-spacing:-.015em;line-height:1.05;font-variation-settings:"opsz" 72}
.founder .name em{font-style:italic;color:var(--forest)}
.founder .credential{font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gray)}
.founder p{font-family:var(--sans);font-size:15px;color:var(--ink-soft);line-height:1.75;margin-top:10px}

/* ---------- coverage detail grid (sub-page) ---------- */
.cov-detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:56px}
.cov-detail{
  background:var(--paper-warm);border:1px solid var(--line-soft);
  padding:32px 32px;display:flex;flex-direction:column;gap:12px;position:relative;
}
.cov-detail::before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:var(--amber)}
.cov-detail .l{font-family:var(--mono);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--amber-deep)}
.cov-detail h3{font-family:var(--serif);font-weight:400;font-size:24px;color:var(--ink);line-height:1.15;letter-spacing:-.005em;font-variation-settings:"opsz" 36}
.cov-detail h3 em{font-style:italic;color:var(--forest)}
.cov-detail p{font-family:var(--sans);font-size:14.5px;color:var(--ink-soft);line-height:1.7}

/* ---------- step cards (amber top border, "Step 0X") ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:56px}
.step{border-top:1px solid var(--amber);padding-top:24px}
.step .l{font-family:var(--mono);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--amber-deep)}
.step h3{font-family:var(--serif);font-weight:400;font-size:26px;color:var(--ink);margin-top:12px;line-height:1.15;letter-spacing:-.01em;font-variation-settings:"opsz" 36}
.step h3 em{font-style:italic;color:var(--forest)}
.step p{font-family:var(--sans);font-size:14.5px;color:var(--ink-soft);line-height:1.75;margin-top:14px}

/* ---------- founder quote section (coverage page) ---------- */
.f-quote{display:grid;grid-template-columns:1fr 1.4fr;gap:64px;align-items:center;margin-top:48px}
.f-quote .body{position:relative;padding-left:32px}
.f-quote .body::before{
  content:"\201C";position:absolute;left:-8px;top:-30px;
  font-family:var(--serif);font-style:italic;font-weight:400;font-size:120px;color:var(--amber);
  line-height:1;font-variation-settings:'opsz' 60;
}
.f-quote blockquote{
  font-family:var(--serif);font-style:italic;font-weight:400;font-size:32px;line-height:1.3;
  color:var(--ink);text-wrap:pretty;letter-spacing:-.01em;font-variation-settings:"opsz" 72;
}
.f-quote .attr{font-family:var(--mono);font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gray);margin-top:28px}
.f-quote .attr em{font-style:italic;text-transform:none;letter-spacing:.04em;color:var(--amber-deep);font-family:var(--serif);font-size:14px}

/* ---------- testimonial (forest band) ---------- */
.testimonial{position:relative;text-align:center}
.testimonial .qmark{
  font-family:var(--serif);font-style:italic;font-size:140px;line-height:.5;color:var(--amber);
  display:block;height:60px;font-variation-settings:'opsz' 60;
}
.testimonial blockquote{
  font-family:var(--serif);font-style:italic;font-weight:400;font-size:36px;line-height:1.32;
  color:#f3f5f8;max-width:880px;margin:24px auto 0;text-wrap:balance;letter-spacing:-.01em;
  font-variation-settings:"opsz" 72;
}
.testimonial .attr{
  font-family:var(--mono);font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:#b5c2d6;
  margin-top:36px;display:flex;justify-content:center;gap:14px;flex-wrap:wrap;align-items:center;
}
.testimonial .attr .dot{width:3px;height:3px;background:var(--amber);border-radius:50%}
.testimonial .more-link{
  margin-top:32px;display:inline-block;font-family:var(--serif);font-style:italic;font-size:17px;color:var(--amber);letter-spacing:-.005em;
}
.testimonial .more-link::after{content:" →";font-style:normal}

/* ---------- testimonial grid ---------- */
.testi-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:64px}
.testi-card{
  background:var(--paper);border:1px solid var(--line-soft);
  padding:40px 36px 32px;display:flex;flex-direction:column;gap:18px;position:relative;
}
.testi-card .qmark{
  font-family:var(--serif);font-style:italic;font-weight:400;font-size:72px;color:var(--amber);
  line-height:.5;height:32px;font-variation-settings:'opsz' 60;
}
.testi-card blockquote{font-family:var(--serif);font-style:italic;font-weight:400;font-size:20px;line-height:1.45;color:var(--ink);text-wrap:pretty;letter-spacing:-.005em;font-variation-settings:"opsz" 36}
.testi-card .attr{
  font-family:var(--mono);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--gray);
  border-top:1px solid var(--line-soft);padding-top:18px;margin-top:auto;
  display:flex;flex-wrap:wrap;gap:10px;align-items:center;
}
.testi-card .attr .dot{width:3px;height:3px;background:var(--amber);border-radius:50%}

/* ---------- timeline ---------- */
.timeline{max-width:760px;margin:64px auto 0;position:relative;padding-left:40px}
.timeline::before{content:"";position:absolute;left:6px;top:8px;bottom:8px;width:1px;background:var(--line)}
.tl-item{position:relative;padding:0 0 48px 0}
.tl-item:last-child{padding-bottom:0}
.tl-item::before{
  content:"";position:absolute;left:-40px;top:10px;width:13px;height:13px;
  background:var(--amber);border-radius:50%;outline:4px solid var(--paper-warm);
  box-shadow:0 0 0 1px var(--amber);
}
.tl-item .article{font-family:var(--mono);font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray)}
.tl-item .year{font-family:var(--serif);font-style:italic;font-weight:400;font-size:36px;color:var(--forest);letter-spacing:-.015em;margin-top:4px;line-height:1;font-variation-settings:"opsz" 72}
.tl-item h3{font-family:var(--serif);font-weight:400;font-size:22px;color:var(--ink);margin-top:10px;line-height:1.25;letter-spacing:-.005em;font-variation-settings:"opsz" 36}
.tl-item h3 em{font-style:italic;color:var(--forest)}
.tl-item p{font-family:var(--sans);font-size:14.5px;color:var(--ink-soft);line-height:1.75;margin-top:10px;max-width:560px}

/* ---------- FAQ accordion ---------- */
.faq{max-width:880px;margin:56px auto 0;border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item .q{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:24px;
  padding:28px 8px;text-align:left;
  font-family:var(--serif);font-style:italic;font-size:22px;color:var(--ink);font-weight:400;letter-spacing:-.005em;
  font-variation-settings:"opsz" 36;
}
.faq-item .q .plus{font-family:var(--sans);font-size:22px;color:var(--amber-deep);font-weight:300;transition:transform .25s;font-style:normal}
.faq-item.open .q .plus{transform:rotate(45deg)}
.faq-item .a{
  max-height:0;overflow:hidden;transition:max-height .35s ease;
  font-family:var(--sans);font-size:15px;color:var(--ink-soft);line-height:1.75;padding:0 8px;
}
.faq-item.open .a{max-height:420px;padding:0 8px 28px}

/* ---------- contact strip ---------- */
.contact-strip{display:grid;grid-template-columns:1fr 1fr;gap:80px;margin-top:64px;align-items:start}
.contact-info{display:flex;flex-direction:column;gap:28px}
.contact-row{display:grid;grid-template-columns:120px 1fr;gap:32px;padding-bottom:24px;border-bottom:1px solid var(--line-soft)}
.contact-row:last-child{border-bottom:0}
.contact-row .l{font-family:var(--mono);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray);padding-top:4px}
.contact-row .v{font-family:var(--serif);font-size:22px;color:var(--ink);letter-spacing:-.005em;line-height:1.25;font-variation-settings:"opsz" 36}
.contact-row .v em{font-style:italic;color:var(--forest)}
.contact-row .s{font-family:var(--sans);font-size:13.5px;color:var(--ink-soft);margin-top:6px}

/* ---------- forms ---------- */
.form{background:var(--paper);border:1px solid var(--line-soft);padding:40px;position:relative}
.form::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:var(--amber)}
.form .field{margin-bottom:22px}
.form .field.split{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form label{display:block;font-family:var(--mono);font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray);margin-bottom:8px}
.form input,.form select,.form textarea{
  width:100%;font-family:var(--sans);font-size:16px;color:var(--ink);
  background:transparent;border:0;border-bottom:1px solid var(--line);
  padding:10px 0 12px;outline:none;transition:border-color .2s;
}
.form input:focus,.form select:focus,.form textarea:focus{border-color:var(--forest)}
.form textarea{resize:vertical;min-height:88px}
.form .submit{margin-top:8px}
.form .note{font-family:var(--mono);font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:var(--gray);margin-top:14px}

/* ---------- CTA strip (forest band) ---------- */
.cta-strip{background:var(--forest);padding:64px 32px;text-align:center;color:#cfd6e2;position:relative}
.cta-strip h2{
  font-family:var(--serif);font-weight:400;font-size:46px;line-height:1.15;
  color:#f3f5f8;max-width:880px;margin:0 auto;text-wrap:balance;letter-spacing:-.015em;
  font-variation-settings:"opsz" 72;
}
.cta-strip h2 em{font-style:italic;color:var(--amber)}
.cta-strip .row{display:flex;gap:14px;justify-content:center;margin-top:36px;flex-wrap:wrap;align-items:center}
.cta-strip .phone{font-family:var(--serif);font-size:24px;color:#f3f5f8;letter-spacing:-.005em}
.cta-strip .phone em{font-style:italic;color:var(--amber);font-variation-settings:"opsz" 36}

/* ---------- footer ---------- */
.footer{background:var(--forest-deep);color:#a5b3c8;padding:80px 32px 36px}
.footer .inner{max-width:var(--max);margin:0 auto}
.footer .top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;padding-bottom:48px;border-bottom:1px solid #1a2c4a}
.footer .brand .word{color:#f3f5f8}
.footer .brand .word em{color:var(--amber)}
.footer .brand .est{color:#8995ad}
.footer .blurb{font-family:var(--sans);font-size:13px;color:#b5c2d6;line-height:1.75;margin-top:22px;max-width:280px}
.footer h4{font-family:var(--mono);font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--amber);margin-bottom:18px;font-weight:400}
.footer ul{list-style:none;display:flex;flex-direction:column;gap:11px}
.footer ul a,.footer ul li{font-family:var(--sans);font-size:13px;color:#cfd6e2}
.footer ul a:hover{color:var(--amber)}
.footer .bottom{display:flex;justify-content:space-between;align-items:center;padding-top:28px;gap:24px;flex-wrap:wrap}
.footer .fine{font-family:var(--mono);font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:#8995ad}
.footer .fine a:hover{color:var(--amber)}

/* ---------- breadcrumb + running head ---------- */
.run-head{
  display:flex;align-items:baseline;gap:14px;margin-bottom:18px;
}
.run-head .article{font-family:var(--mono);font-size:10.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--amber-deep)}
.run-head .running{font-family:var(--serif);font-style:italic;font-size:15px;color:var(--gray);font-variation-settings:"opsz" 36}
.breadcrumb{
  font-family:var(--mono);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--gray);
  margin-bottom:16px;
}
.breadcrumb a:hover{color:var(--forest)}
.breadcrumb .sep{color:var(--line);margin:0 10px}

/* ---------- sub-page hero (centered editorial) ---------- */
.subhero{padding:88px 32px 0;text-align:center}
.subhero .breadcrumb,.subhero .run-head{justify-content:center;display:inline-flex}
.subhero h1{
  font-family:var(--serif);font-weight:400;font-size:60px;line-height:1.05;letter-spacing:-.025em;
  color:var(--ink);text-wrap:balance;margin-top:18px;max-width:980px;margin-left:auto;margin-right:auto;
  font-variation-settings:'opsz' 60;
}
.subhero h1 em{font-style:italic;color:var(--forest)}
.subhero .lede{font-family:var(--sans);font-size:18px;line-height:1.7;color:var(--ink-soft);max-width:680px;margin:28px auto 0;text-wrap:pretty}
.subhero .cta-row{display:flex;gap:14px;justify-content:center;margin-top:36px;flex-wrap:wrap}

/* ---------- carrier strip ---------- */
.carriers{
  display:flex;flex-wrap:wrap;justify-content:center;
  gap:12px 36px;margin-top:48px;max-width:1040px;margin-left:auto;margin-right:auto;
}
.carriers span{font-family:var(--serif);font-style:italic;font-weight:400;font-size:26px;color:var(--ink);letter-spacing:-.01em;font-variation-settings:"opsz" 72}
.carriers .sep{color:var(--amber);font-style:normal;font-size:14px;display:flex;align-items:center;font-family:var(--serif)}
.disclaimer{font-family:var(--mono);font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:var(--gray);text-align:center;margin-top:40px}

/* ---------- map ---------- */
.map{
  aspect-ratio:16/9;width:100%;position:relative;margin-top:48px;overflow:hidden;
  border:1px solid var(--rule);
  display:flex;align-items:center;justify-content:center;
  border:1px solid var(--line);
  background:
    radial-gradient(circle at 50% 50%, rgba(200,148,90,.18), transparent 55%),
    repeating-linear-gradient(0deg, transparent 0 47px, rgba(243,245,248,.05) 47px 48px),
    repeating-linear-gradient(90deg, transparent 0 47px, rgba(243,245,248,.05) 47px 48px),
    linear-gradient(180deg, #2a4677 0%, var(--forest) 60%, var(--forest-deep) 100%);
}
.map iframe{position:absolute;inset:0;width:100%;height:100%;border:0;filter:saturate(.85) contrast(.96)}
.map .map-cta{
  position:absolute;right:18px;bottom:18px;z-index:2;
  background:var(--cream);color:var(--ink);
  padding:10px 16px;
  font-family:var(--mono);font-size:10px;letter-spacing:.22em;text-transform:uppercase;
  text-decoration:none;border:1px solid var(--rule);
  box-shadow:0 6px 18px rgba(45,42,38,.18);
  transition:background .2s, color .2s;
}
.map .map-cta:hover{background:var(--forest);color:var(--cream);border-color:var(--forest)}

/* ---------- billing-claims page ---------- */
.qjump{
  position:sticky;top:74px;z-index:40;
  background:var(--cream);border-bottom:1px solid var(--amber);
  padding:14px 32px;
}
.qjump .qj-inner{
  max-width:var(--max);margin:0 auto;
  display:flex;align-items:center;gap:14px;
  overflow-x:auto;-webkit-overflow-scrolling:touch;
  scrollbar-width:none;
}
.qjump .qj-inner::-webkit-scrollbar{display:none}
.qjump .qj-label{
  font-family:var(--mono);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--gray);flex-shrink:0;padding-right:6px;border-right:1px solid var(--line);
}
.qjump a{
  font-family:var(--mono);font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;
  color:var(--forest);text-decoration:none;white-space:nowrap;flex-shrink:0;
  padding:6px 2px;border-bottom:1px solid transparent;transition:border-color .2s,color .2s;
}
.qjump a:hover{color:var(--amber-deep);border-bottom-color:var(--amber)}
.qjump .qj-sep{color:var(--amber);flex-shrink:0;font-family:var(--serif);font-size:14px}

/* ---------- team directory (contact) ---------- */
.team-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:48px;
}
@media (max-width:768px){
  .team-grid{grid-template-columns:1fr}
}
.team-card{
  background:var(--cream);border:1px solid var(--rule);border-top:3px solid var(--amber);
  padding:28px 24px;display:flex;flex-direction:column;gap:4px;
}
.team-name{
  font-family:var(--serif);font-weight:400;font-size:24px;color:var(--forest);
  letter-spacing:-.005em;font-variation-settings:'opsz' 36;line-height:1.15;
  width:100%;
}
.team-rule{width:40px;height:1px;background:var(--amber);margin:10px 0 14px}
.team-phone{
  font-family:var(--serif);font-size:20px;color:var(--forest);text-decoration:none;
  letter-spacing:-.005em;font-variation-settings:'opsz' 36;
  min-height:44px;display:inline-flex;align-items:center;white-space:nowrap;
}
.team-phone:hover{color:var(--amber-deep);text-decoration:underline}
.team-email{
  font-family:var(--sans);font-size:14px;color:var(--amber-deep);
  border-bottom:1px solid var(--amber);text-decoration:none;padding-bottom:1px;
  display:inline-block;margin-top:2px;align-self:flex-start;
  transition:color .2s, border-color .2s;word-break:break-word;
}
.team-email:hover{color:var(--forest-deep);border-bottom-color:var(--forest-deep)}

/* ---------- carrier cards (after-hours, client resources) ---------- */
.carrier-jump-strip{
  display:flex;flex-wrap:nowrap;overflow-x:auto;gap:8px;
  padding:14px 0;border-bottom:1px solid var(--rule);
  margin:32px 0 24px;-webkit-overflow-scrolling:touch;
  scrollbar-width:none;
}
.carrier-jump-strip::-webkit-scrollbar{display:none}
.carrier-jump-strip a{
  font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;
  color:var(--forest);text-decoration:none;white-space:nowrap;padding:4px 8px;
  border-bottom:1px solid transparent;transition:color .2s, border-color .2s;
}
.carrier-jump-strip a:hover{color:var(--amber-deep);border-bottom-color:var(--amber)}
.carrier-jump-strip .dot{color:var(--amber);align-self:center;font-family:var(--serif)}

.carrier-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:8px;
}
@media (max-width:768px){
  .carrier-grid{grid-template-columns:1fr}
}
.carrier-card{
  background:var(--cream);
  border:1px solid var(--rule);
  border-top:3px solid var(--amber);
  padding:28px 24px;
  scroll-margin-top:120px;
}
.carrier-logo-wrap{
  height:56px;display:flex;align-items:center;justify-content:flex-start;margin-bottom:4px;
}
.carrier-logo-wrap svg{max-height:40px;width:auto;height:auto}
.visually-hidden{
  position:absolute;width:1px;height:1px;padding:0;margin:-1px;
  overflow:hidden;clip:rect(0,0,0,0);border:0;
}
.carrier-rule{
  width:40px;height:1px;background:var(--amber);margin:12px 0 20px;
}
.carrier-cols{
  display:grid;grid-template-columns:1fr 1fr;gap:32px;
}
@media (max-width:600px){
  .carrier-cols{grid-template-columns:1fr;gap:20px}
}
.carrier-col{display:flex;flex-direction:column;align-items:flex-start;gap:6px}
.carrier-card .col-label{
  display:block;font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;
  color:var(--gray);margin-bottom:6px;
}
.carrier-card .phone{
  display:block;font-family:var(--serif);font-size:20px;font-weight:400;color:var(--forest);
  text-decoration:none;margin-bottom:8px;letter-spacing:-.005em;
  font-variation-settings:'opsz' 36;
  min-height:44px;display:inline-flex;align-items:center;
  white-space:nowrap;
}
@media (max-width:1100px) and (min-width:769px){
  .carrier-card .phone{font-size:18px}
}
.carrier-card .phone:hover{color:var(--amber-deep);text-decoration:underline}
.carrier-card .portal-link{
  font-family:var(--sans);font-size:13px;color:var(--amber-deep);
  border-bottom:1px solid var(--amber);text-decoration:none;
  display:inline-block;padding-bottom:1px;
  transition:color .2s, border-color .2s;
}
.carrier-card .portal-link:hover{color:var(--forest-deep);border-bottom-color:var(--forest-deep)}

.carrier-trademark-note{
  font-family:var(--mono);font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gray);line-height:1.7;margin-top:24px;max-width:760px;
}

.bcbs-callout{
  display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:64px;
  align-items:start;margin-top:32px;
}
.bcbs-callout .body p{
  font-family:var(--serif);font-size:18px;line-height:1.62;color:var(--ink);
  margin:0 0 14px;max-width:60ch;
}
.bcbs-callout .ctas{display:flex;flex-direction:column;gap:14px;align-items:flex-start}
.bcbs-callout .ctas .phone-link{
  font-family:var(--serif);font-size:20px;color:var(--forest);
  text-decoration:none;letter-spacing:-.005em;min-height:44px;display:inline-flex;align-items:center;
  border-bottom:1px solid var(--amber);padding-bottom:2px;
}
.bcbs-callout .ctas .phone-link em{font-style:italic;color:var(--amber-deep);margin-right:8px;font-family:var(--serif)}
.bcbs-callout .ctas .phone-link:hover{color:var(--amber-deep)}

.afterhours{
  max-width:680px;margin:0 auto;text-align:center;
}
.afterhours .eyebrow{justify-content:center}
.afterhours h3{
  font-family:var(--serif);font-weight:400;font-size:34px;line-height:1.18;
  color:var(--ink);letter-spacing:-.01em;margin:0 0 20px;
  font-variation-settings:'opsz' 60;
}
.afterhours h3 em{font-style:italic;color:var(--forest)}
.afterhours p{
  font-family:var(--serif);font-size:18px;line-height:1.65;color:var(--ink);margin:0 auto;max-width:56ch;
}
.afterhours .stamp{
  font-family:var(--mono);font-size:10px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--gray);margin-top:36px;padding-top:18px;border-top:1px solid var(--line-soft);
  display:inline-block;
}

.advisor-callout{
  display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:start;
  margin-top:32px;
}
.advisor-callout .body p{
  font-family:var(--serif);font-size:18px;line-height:1.62;color:var(--ink);
  margin:0 0 16px;max-width:60ch;
}
.advisor-callout .cta-col{display:flex;flex-direction:column;gap:14px;align-items:flex-start;padding-top:6px}
.advisor-callout .cta-col .phone-link{
  font-family:var(--serif);font-size:19px;color:var(--forest);text-decoration:none;
  letter-spacing:-.005em;min-height:44px;display:inline-flex;align-items:center;
  border-bottom:1px solid var(--amber);padding-bottom:2px;
}
.advisor-callout .cta-col .phone-link:hover{color:var(--amber-deep)}
.advisor-callout .cta-col .helper{
  font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gray);
}

@media (max-width:900px){
  .qjump{top:64px;padding:12px 22px}
  .bcbs-callout{grid-template-columns:1fr;gap:32px}
  .advisor-callout{grid-template-columns:1fr;gap:28px}
}
@media (max-width:600px){
  .qjump{padding:10px 18px}
  .afterhours h3{font-size:26px}
}

/* ---------- ornament (fleuron) ---------- */
.ornament{text-align:center;color:var(--amber);font-family:var(--serif);font-style:italic;font-size:24px;letter-spacing:.6em;padding:16px 0;font-variation-settings:"opsz" 36}
.ornament::before{content:"⁂"}

/* ---------- editorial bullet list (serif, amber tick) ---------- */
.ed-list{list-style:none;display:flex;flex-direction:column;gap:14px;margin-top:24px;max-width:620px}
.ed-list li{
  font-family:var(--serif);font-size:19px;line-height:1.4;color:var(--ink);
  letter-spacing:-.005em;padding-left:28px;position:relative;text-wrap:pretty;
  font-variation-settings:"opsz" 36;
}
.ed-list li::before{
  content:"";position:absolute;left:0;top:.7em;width:14px;height:1px;background:var(--amber);
}

/* ---------- lead quote (testimonial on light section) ---------- */
.lead-quote{position:relative;text-align:center;margin-top:40px}
.lead-quote .qmark{
  display:block;font-family:var(--serif);font-style:italic;font-size:120px;line-height:.5;
  color:var(--amber);height:50px;font-variation-settings:'opsz' 60;
}
.lead-quote blockquote{
  font-family:var(--serif);font-style:italic;font-weight:400;font-size:34px;line-height:1.32;
  color:var(--ink);max-width:880px;margin:24px auto 0;text-wrap:balance;letter-spacing:-.01em;
  font-variation-settings:"opsz" 72;
}
.lead-quote .attr{
  font-family:var(--mono);font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gray);
  margin-top:32px;display:flex;justify-content:center;gap:14px;flex-wrap:wrap;align-items:center;
}
.lead-quote .attr .dot{width:3px;height:3px;background:var(--amber);border-radius:50%}
.lead-quote .center-cta{margin-top:36px;display:flex;justify-content:center}

/* ---------- after-hours carrier grid (links to portals) ---------- */
.portal-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:48px;
}
.portal-card{
  background:var(--paper);border:1px solid var(--line-soft);border-top:2px solid var(--amber);
  padding:24px 22px;display:flex;flex-direction:column;justify-content:space-between;gap:18px;
  min-height:140px;transition:transform .25s, box-shadow .25s, border-color .25s;
}
.portal-card:hover{transform:translateY(-2px);box-shadow:0 18px 36px -24px rgba(45,74,62,.25)}
.portal-card .pname{
  font-family:var(--serif);font-weight:400;font-size:22px;color:var(--forest);
  letter-spacing:-.005em;line-height:1.15;font-variation-settings:'opsz' 36;
}
.portal-card .pname em{font-style:italic;color:var(--amber-deep)}
.portal-card .plink{
  font-family:var(--mono);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--amber-deep);display:inline-flex;align-items:center;gap:6px;
}
.portal-card .plink::after{content:"↗";font-family:var(--serif);font-style:normal;font-size:14px;letter-spacing:0}
@media (max-width:1000px){.portal-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:720px){.portal-grid{grid-template-columns:repeat(2,1fr);gap:12px}}
@media (max-width:380px){.portal-grid{grid-template-columns:1fr}}

/* ---------- call-out paragraph (amber rule) ---------- */
.call-out{
  font-family:var(--serif);font-weight:400;font-size:22px;line-height:1.4;color:var(--ink);
  border-left:2px solid var(--amber);padding:10px 0 10px 22px;margin-top:32px;max-width:620px;
  font-variation-settings:"opsz" 36;letter-spacing:-.005em;
}
.call-out em{font-style:italic;color:var(--forest)}
.call-out a{color:var(--forest);border-bottom:1px solid var(--amber)}
.call-out a:hover{color:var(--amber-deep)}

/* ---------- small monospace stamp ---------- */
.stamp-note{
  font-family:var(--mono);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--gray);margin-top:32px;
}

/* ---------- utility ---------- */
.tcenter{text-align:center}
.amber-link{font-family:var(--serif);font-style:italic;color:var(--amber-deep);font-size:17px;letter-spacing:-.005em}
.amber-link::after{content:" →";font-style:normal}
.amber-link:hover{color:var(--amber)}

/* ---------- mobile chrome: hamburger, overlay, sticky CTA ---------- */
.hamburger{
  display:none; width:44px; height:44px; align-items:center; justify-content:center;
  background:transparent; border:0; cursor:pointer; padding:0;
  position:relative; z-index:101;
}
.hamburger span{
  display:block; width:24px; height:2px; background:var(--forest);
  position:absolute; left:10px; transition:transform .25s ease, opacity .2s ease, top .25s ease;
}
.hamburger span:nth-child(1){top:14px}
.hamburger span:nth-child(2){top:21px}
.hamburger span:nth-child(3){top:28px}
.hamburger:focus-visible{outline:2px solid var(--amber); outline-offset:2px}
body.menu-open .hamburger span:nth-child(1){top:21px; transform:rotate(45deg)}
body.menu-open .hamburger span:nth-child(2){opacity:0}
body.menu-open .hamburger span:nth-child(3){top:21px; transform:rotate(-45deg)}

.mobile-menu{
  position:fixed; inset:0; z-index:100;
  background:var(--forest-deep); color:#f3f5f8;
  display:flex; flex-direction:column;
  transform:translateX(100%); transition:transform .32s cubic-bezier(.4,.0,.2,1);
  overflow-y:auto; visibility:hidden;
  will-change:transform;
}
.mobile-menu[aria-hidden="false"]{transform:translateX(0); visibility:visible}
.mobile-menu .mm-head{
  display:flex; align-items:center; justify-content:space-between;
  padding:18px 22px; border-bottom:1px solid #1a2c4a;
}
.mobile-menu .mm-brand{
  font-family:var(--serif); font-style:italic; font-size:22px; color:#f3f5f8;
  letter-spacing:-.01em;
}
.mobile-menu .mm-brand em{color:var(--amber); font-style:italic}
.mobile-menu .mm-close{
  width:44px; height:44px; display:flex; align-items:center; justify-content:center;
  color:#f3f5f8; font-family:var(--serif); font-size:32px; line-height:1; background:transparent; border:0; cursor:pointer;
}
.mobile-menu .mm-close:focus-visible{outline:2px solid var(--amber); outline-offset:2px}
.mobile-menu nav{padding:8px 22px 24px}
.mobile-menu .mm-section-label{
  font-family:var(--mono); font-size:10px; letter-spacing:.22em; text-transform:uppercase;
  color:var(--amber); padding:18px 0 6px; border-bottom:1px solid #1a2c4a;
}
.mobile-menu a.mm-link{
  display:flex; align-items:center; justify-content:space-between; min-height:56px;
  padding:14px 0; font-family:var(--serif); font-size:24px; color:#f3f5f8;
  border-bottom:1px solid #1a2c4a; letter-spacing:-.005em;
}
.mobile-menu a.mm-link em{font-style:italic; color:var(--amber); font-size:14px; font-family:var(--mono); letter-spacing:.16em; text-transform:uppercase}
.mobile-menu a.mm-sub{
  display:flex; align-items:center; min-height:48px;
  padding:10px 0 10px 18px; font-family:var(--serif); font-style:italic; font-size:18px; color:#cfd6e2;
  border-bottom:1px solid #14253f;
}
.mobile-menu a.mm-sub:last-of-type{border-bottom:1px solid #1a2c4a}
.mobile-menu .mm-divider{height:1px; background:#1a2c4a; margin:18px 0}
.mobile-menu .mm-foot{
  margin-top:auto; padding:24px 22px 32px;
  display:flex; flex-direction:column; gap:12px;
  border-top:1px solid #1a2c4a; background:#0a172e;
}
.mobile-menu .mm-call{
  display:flex; align-items:center; justify-content:center; gap:10px; min-height:52px;
  font-family:var(--mono); font-size:13px; letter-spacing:.14em; text-transform:uppercase; color:var(--amber);
  border:1px solid #2a4677; padding:14px;
}
.mobile-menu .mm-cta{
  display:flex; align-items:center; justify-content:center; min-height:56px;
  background:var(--amber); color:#fff; font-family:var(--sans); font-size:13px;
  font-weight:600; letter-spacing:.12em; text-transform:uppercase; padding:14px;
}
.mobile-menu .mm-cta:hover,.mobile-menu .mm-cta:focus-visible{background:var(--amber-deep)}
.mobile-menu a:focus-visible{outline:2px solid var(--amber); outline-offset:4px}
body.menu-open{overflow:hidden}

/* Sticky bottom mobile CTA bar */
.mobile-cta-bar{
  display:none; position:fixed; left:0; right:0; bottom:0; z-index:90;
  background:var(--forest-deep);
  border-top:1px solid #1a2c4a;
  padding-bottom:env(safe-area-inset-bottom);
}
.mobile-cta-bar .row{display:grid; grid-template-columns:1fr 1fr; gap:0}
.mobile-cta-bar a{
  min-height:52px; display:flex; align-items:center; justify-content:center; gap:8px;
  font-family:var(--sans); font-size:13px; font-weight:600; letter-spacing:.12em; text-transform:uppercase;
}
.mobile-cta-bar a:first-child{background:var(--forest-deep); color:var(--cream); border-right:1px solid #1a2c4a}
.mobile-cta-bar a:first-child:focus-visible{outline:2px solid var(--amber); outline-offset:-3px}
.mobile-cta-bar a.primary{background:var(--amber); color:#fff}
.mobile-cta-bar a.primary:focus-visible{outline:2px solid #fff; outline-offset:-3px}
/* legacy class hooks kept for back-compat */
.mobile-cta-bar .bar-call{background:var(--forest-deep); color:var(--cream); border-right:1px solid #1a2c4a}
.mobile-cta-bar .bar-quote{background:var(--amber); color:#fff}
.mobile-cta-bar svg{width:16px; height:16px; flex-shrink:0}

/* Focus visibility for all interactive elements */
a:focus-visible,button:focus-visible{outline:2px solid var(--amber); outline-offset:2px}
.btn:focus-visible{outline:2px solid var(--amber); outline-offset:3px}

/* ---------- responsive ---------- */
@media (max-width:1024px){
  .section{padding:56px 22px}
  .section.coverage-intro{padding-bottom:56px}
  .hero{padding:48px 22px 0}
  .hero-grid{grid-template-columns:1fr;gap:48px}
  .hero h1{font-size:46px}
  .hero-rail{border-left:0;border-top:1px solid var(--amber);padding:24px 0 0 0;margin-top:8px}
  .section-title,.subhero h1{font-size:36px}
  .stat-row{grid-template-columns:1fr;padding:24px 0;margin-top:56px}
  .stat{padding:24px 22px;border-top:1px solid var(--line-soft)}
  .stat:first-child{border-top:0}
  .stat + .stat::before{display:none}
  .stat .v{font-size:48px}
  .cov-grid{grid-template-columns:1fr;gap:24px}
  .founders{grid-template-columns:1fr;gap:48px}
  .three-grid,.steps{grid-template-columns:1fr;gap:32px}
  .cov-detail-grid{grid-template-columns:1fr;gap:20px}
  .f-quote{grid-template-columns:1fr;gap:32px}
  .testi-grid{grid-template-columns:1fr}
  .contact-strip{grid-template-columns:1fr;gap:48px}
  .form .field.split{grid-template-columns:1fr}
  .footer .top{grid-template-columns:1fr 1fr;gap:32px}
  .topbar{display:none}
  .nav .inner{padding:14px 20px;gap:14px}
  .navlinks{display:none}
  .nav .inner > .btn{display:none}
  .hamburger{display:inline-flex}
  .mobile-cta-bar{display:block}
  body{padding-bottom:60px}
  .testimonial blockquote{font-size:24px}
  .cta-strip{padding:48px 22px}
  .cta-strip h2{font-size:32px}
  .portrait .initial{font-size:160px}
  .hero .lede{font-size:16px}
  .f-quote blockquote{font-size:22px}
  .hnw-grid{grid-template-columns:1fr !important;gap:24px !important}
  .reviews-card{grid-template-columns:1fr !important;text-align:center}
  .reviews-card .btn{justify-self:center}
}

@media (max-width:600px){
  .section{padding:40px 18px}
  .section.coverage-intro{padding-bottom:40px}
  .hero{padding:32px 18px 0}
  .hero h1{font-size:34px;line-height:1.1}
  .section-title,.subhero h1{font-size:28px}
  .stat .v{font-size:38px}
  .footer{padding:56px 18px 32px}
  .footer .top{grid-template-columns:1fr;gap:32px}
  .brand .est{display:none}
  .brand .seal .w{font-size:42px}
  .brand .word{font-size:20px}
  .brand .seal{gap:14px;padding-right:14px}
  .brand{gap:14px}
  .nav{background:var(--cream);backdrop-filter:none;-webkit-backdrop-filter:none}
  .cta-strip{padding:40px 18px}
  .cta-strip h2{font-size:26px}
  .portrait .initial{font-size:110px}
  .form{padding:28px 22px}
  .form input,.form select,.form textarea{padding:14px 0}
  .form textarea{min-height:96px}
  .btn{padding:16px 22px}
  .testimonial blockquote,.f-quote blockquote{font-size:20px}
  .testimonial .qmark,.testi-card .qmark{font-size:60px !important}
  /* carriers list: stack as discrete tap targets */
  .carriers{flex-direction:column;align-items:stretch;gap:0;max-width:none;margin-top:32px;border-top:1px solid var(--line-soft)}
  .carriers a{display:flex;align-items:center;min-height:48px;padding:12px 4px;border-bottom:1px solid var(--line-soft);font-family:var(--serif);font-style:italic;font-size:20px;color:var(--ink)}
  .carriers .sep{display:none}
  /* coverage 2x2 cards: tappable surface */
  .cov-card{cursor:pointer}
  /* faq tap targets */
  .faq-item .q{min-height:56px;padding:16px 8px;display:flex;align-items:center;justify-content:space-between;width:100%}
  .faq-item .q .plus{margin-left:auto}
  /* map iframe maintains aspect on mobile */
  .map iframe{width:100%;aspect-ratio:16/9;height:auto}
  .map-cta{min-height:44px;padding:12px 18px;display:inline-flex;align-items:center}
  /* footer fine: stack */
  .footer .bottom{flex-direction:column;align-items:flex-start;gap:8px}
  .footer ul li a,.footer ul li{padding:8px 0;min-height:44px;display:inline-flex;align-items:center}
}

@media (max-width:380px){
  .section{padding:28px 14px}
  .hero{padding:28px 14px 0}
  .hero h1{font-size:28px}
  .section-title,.subhero h1{font-size:24px}
  .footer{padding:40px 14px 32px}
  .topbar .inner{padding:0 14px}
  .nav .inner{padding:12px 14px}
}


/* tap-target floor for nav links & buttons across all sizes (idempotent) */
@media (hover:none) and (pointer:coarse){
  .btn{min-height:44px;display:inline-flex;align-items:center;justify-content:center}
  .navlinks a, .footer a{min-height:32px}
}


/* ---- nav fit tiers: brand + 5 links + CTA need room; collapse/scale below ~1500px ---- */
@media (min-width:1025px) and (max-width:1199px){
  .navlinks{display:none}
  .nav .inner > .btn{display:none}
  .hamburger{display:inline-flex}
}
@media (min-width:1200px) and (max-width:1499px){
  .navlinks a{font-size:13px}
  .navlinks{gap:12px}
  .nav .inner{gap:22px}
  .brand .seal .w{font-size:48px}
  .brand .word{font-size:24px}
  .nav .btn{min-width:124px;padding-left:16px;padding-right:16px;letter-spacing:.06em}
}


/* ---------- contact page: office panel + form/sidebar layout ---------- */
.office-panel{
  display:grid;grid-template-columns:1.4fr 1fr 1.2fr 1fr;gap:32px;
  background:var(--cream);border:1px solid var(--rule);border-top:3px solid var(--amber);
  padding:32px 40px;margin:32px 0;
}
.office-col{display:flex;flex-direction:column;gap:4px}
.col-label{
  font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;
  color:var(--gray);margin-bottom:8px;
}
.office-detail{font-family:var(--serif);font-size:17px;color:var(--ink);line-height:1.4}
.phone-large{font-family:var(--serif);font-size:22px;color:var(--forest);text-decoration:none}
.phone-large:hover{color:var(--amber);text-decoration:underline}
@media (max-width:768px){
  .office-panel{grid-template-columns:1fr 1fr;gap:24px;padding:24px}
}

.contact-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:48px;margin:48px 0;align-items:start}
@media (max-width:900px){
  .contact-grid{grid-template-columns:1fr;gap:32px}
}
.contact-form-col h2{margin-bottom:12px}
.contact-form-col .form-lede{margin-bottom:32px;color:var(--ink-soft);font-size:17px;line-height:1.5}
.contact-sidebar{position:sticky;top:100px}
.sidebar-card{background:var(--cream);border:1px solid var(--rule);border-top:3px solid var(--amber);padding:32px 28px}
.sidebar-section{display:flex;flex-direction:column;gap:6px}
.sidebar-section .col-label{margin-bottom:8px}
.sidebar-section .phone-large{margin-bottom:8px}
.sidebar-detail{font-family:var(--serif);font-size:15px;color:var(--ink-soft);line-height:1.5}
.sidebar-rule{height:1px;background:var(--rule);margin:24px 0}
@media (max-width:900px){
  .contact-sidebar{position:static}
}