/* Trailmark Insurance Advisors - shared styles */

  :root{
    --navy:#0f2244; --navy-2:#16305c; --navy-deep:#0a1830;
    --gold:#b8862b; --gold-2:#d4a24a; --gold-soft:#f3e6c9;
    --cream:#faf6ee; --ink:#1c2433; --muted:#5b6578; --line:#e6e0d3; --white:#fff;
    --radius:14px; --shadow:0 10px 30px rgba(15,34,68,.10); --shadow-lg:0 20px 50px rgba(15,34,68,.16);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:Montserrat,system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:16px}
  img{max-width:100%;display:block}
  a{color:inherit;text-decoration:none}
  h1,h2,h3{font-family:"Libre Baskerville",Georgia,serif;color:var(--navy);line-height:1.2}
  .container{width:min(1180px,100% - 32px);margin-inline:auto}
  .eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
  .section{padding:96px 0}
  .section-head{text-align:center;max-width:720px;margin:0 auto 56px}
  .section-head h2{font-size:clamp(1.8rem,3.2vw,2.6rem);margin:10px 0 14px}
  .section-head p{color:var(--muted);font-size:1.05rem}
  .rule{width:64px;height:3px;background:var(--gold);margin:14px auto 0;border-radius:2px}

  /* Buttons */
  .btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:700;font-size:.95rem;padding:15px 28px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:.2s;font-family:inherit}
  .btn-gold{background:var(--gold);color:#fff}
  .btn-gold:hover{background:#a2751f;transform:translateY(-2px);box-shadow:0 8px 20px rgba(184,134,43,.35)}
  .btn-navy{background:var(--navy);color:#fff}
  .btn-navy:hover{background:var(--navy-2);transform:translateY(-2px)}
  .btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}
  .btn-outline:hover{background:var(--navy);color:#fff}
  .btn-outline-light{border-color:rgba(255,255,255,.6);color:#fff}
  .btn-outline-light:hover{background:#fff;color:var(--navy)}
  .btn svg{width:18px;height:18px}

  /* Top bar */
  .topbar{background:var(--navy-deep);color:#cfd6e4;font-size:.85rem}
  .topbar .container{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:9px 0;flex-wrap:wrap}
  .topbar a:hover{color:var(--gold-2)}
  .topbar .tb-group{display:flex;gap:22px;flex-wrap:wrap}
  .topbar span,.topbar a{display:inline-flex;align-items:center;gap:7px}
  .topbar svg{width:14px;height:14px;color:var(--gold-2)}

  /* Header */
  header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);transition:box-shadow .2s}
  header.site.scrolled{box-shadow:0 6px 24px rgba(15,34,68,.08)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:86px}
  .brand{display:flex;align-items:center;gap:12px}
  .brand img{height:52px;width:auto}
  .brand .bt{display:flex;flex-direction:column;line-height:1}
  .brand b{font-family:"Libre Baskerville",serif;font-size:1.55rem;color:var(--navy);letter-spacing:.04em}
  .brand i{font-style:normal;font-size:.68rem;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--gold);margin-top:6px}
  .nav-links{display:flex;align-items:center;gap:28px}
  .nav-links a{font-weight:600;font-size:.95rem;color:var(--navy);position:relative}
  .nav-links a:not(.btn)::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--gold);transition:.2s}
  .nav-links a:not(.btn):hover::after{width:100%}
  .nav-links .btn{padding:12px 22px;color:#fff}
  .menu-btn{display:none;background:none;border:0;cursor:pointer;color:var(--navy);padding:6px}
  .menu-btn svg{width:30px;height:30px}

  /* Hero */
  .hero{position:relative;background:linear-gradient(135deg,var(--cream) 0%,#fff 55%,var(--gold-soft) 100%);overflow:hidden}
  .hero::before{content:"";position:absolute;inset:auto -10% -40% auto;width:700px;height:700px;border-radius:50%;border:2px solid rgba(184,134,43,.25)}
  .hero::after{content:"";position:absolute;inset:auto -6% -34% auto;width:600px;height:600px;border-radius:50%;border:2px solid rgba(15,34,68,.12)}
  .hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1fr 1.05fr;gap:48px;align-items:center;padding:90px 0 110px}
  .hero h1{font-size:clamp(2.3rem,5vw,3.8rem);margin:16px 0 22px}
  .hero h1 em{font-style:italic;color:var(--gold)}
  .hero p.lead{font-size:1.15rem;color:var(--muted);max-width:560px;margin-bottom:34px}
  .hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
  .hero-trust{display:flex;gap:28px;margin-top:40px;flex-wrap:wrap}
  .hero-trust div{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.9rem;color:var(--navy)}
  .hero-trust svg{width:22px;height:22px;color:var(--gold);flex:none}
  .hero-art{position:relative}
  .hero-art .card{background:#fff;border-radius:24px;box-shadow:var(--shadow-lg);padding:14px 14px 28px;text-align:center;border:1px solid var(--line)}
  .hero-art .card img{margin:0 auto 18px}
  .hero-art .card img.photo{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;object-position:center 30%;border-radius:16px;margin:0 0 22px}
  .hero-art .card h3,.hero-art .card p{padding:0 20px}
  .hero-art .card h3{font-size:1.25rem;margin-bottom:6px}
  .hero-art .card p{color:var(--muted);font-size:.93rem}
  .hero-badge{position:absolute;left:-22px;top:36px;background:var(--navy);color:#fff;border-radius:16px;padding:16px 20px;box-shadow:var(--shadow-lg);display:flex;gap:12px;align-items:center}
  .hero-badge strong{font-family:"Libre Baskerville",serif;font-size:1.6rem;color:var(--gold-2);line-height:1}
  .hero-badge span{font-size:.8rem;line-height:1.3;opacity:.9}

  /* Quick quote strip */
  .strip{background:var(--navy);color:#fff}
  .strip .container{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:26px 0;flex-wrap:wrap}
  .strip h3{color:#fff;font-size:1.25rem}
  .strip p{color:#c3cbdb;font-size:.95rem}

  /* Coverage cards */
  .grid-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
  .cov{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 28px;transition:.25s;position:relative;overflow:hidden;display:flex;flex-direction:column}
  .cov::before{content:"";position:absolute;left:0;top:0;height:4px;width:0;background:var(--gold);transition:.3s}
  .cov:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
  .cov:hover::before{width:100%}
  .cov .ico{width:60px;height:60px;border-radius:14px;background:var(--cream);display:grid;place-items:center;margin-bottom:20px;color:var(--navy);transition:.25s}
  .cov:hover .ico{background:var(--navy);color:var(--gold-2)}
  .cov .ico svg{width:30px;height:30px}
  .cov h3{font-size:1.2rem;margin-bottom:10px}
  .cov p{color:var(--muted);font-size:.93rem;flex:1}
  .cov a.more{margin-top:18px;font-weight:700;font-size:.88rem;color:var(--gold);display:inline-flex;align-items:center;gap:6px}
  .cov a.more:hover{gap:10px}

  /* Why us */
  .why{background:var(--cream)}
  .why .container{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
  .why h2{font-size:clamp(1.8rem,3.2vw,2.6rem);margin:10px 0 18px}
  .why p.intro{color:var(--muted);margin-bottom:30px}
  .feat{display:flex;gap:18px;margin-bottom:24px}
  .feat .num{flex:none;width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--gold-2);display:grid;place-items:center}
  .feat .num svg{width:22px;height:22px}
  .feat h4{font-size:1.05rem;color:var(--navy);margin-bottom:4px}
  .feat p{color:var(--muted);font-size:.93rem}
  .stats{display:grid;grid-template-columns:1fr 1fr;gap:20px}
  .stat{background:#fff;border-radius:var(--radius);padding:34px 26px;box-shadow:var(--shadow);text-align:center;border-bottom:4px solid var(--gold)}
  .stat:nth-child(2),.stat:nth-child(3){background:var(--navy);border-bottom-color:var(--gold-2)}
  .stat:nth-child(2) strong,.stat:nth-child(3) strong{color:var(--gold-2)}
  .stat:nth-child(2) span,.stat:nth-child(3) span{color:#c9d1e0}
  .stat strong{display:block;font-family:"Libre Baskerville",serif;font-size:2.3rem;color:var(--navy);line-height:1.1;margin-bottom:8px}
  .stat span{font-size:.9rem;color:var(--muted);font-weight:500}

  /* Steps */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;counter-reset:s}
  .step{text-align:center;padding:10px 20px;position:relative}
  .step .circle{width:84px;height:84px;margin:0 auto 22px;border-radius:50%;border:2px dashed var(--gold);display:grid;place-items:center;font-family:"Libre Baskerville",serif;font-size:1.8rem;color:var(--navy);background:#fff}
  .step:not(:last-child)::after{content:"";position:absolute;top:42px;left:calc(50% + 56px);width:calc(100% - 112px);border-top:2px dashed var(--line)}
  .step h3{font-size:1.2rem;margin-bottom:8px}
  .step p{color:var(--muted);font-size:.95rem}

  /* About */
  .about .container{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}
  .about-img{background:linear-gradient(160deg,var(--cream),var(--gold-soft));border-radius:24px;padding:50px 40px;position:relative}
  .about-img img{margin:auto;width:100%;height:auto;aspect-ratio:1/1;object-fit:cover;object-position:center 25%;border-radius:16px}
  .hero .container>*,.about .container>*{min-width:0}
  .about-img .tag{position:absolute;right:-16px;top:30px;background:var(--gold);color:#fff;font-weight:700;padding:12px 18px;border-radius:12px;font-size:.85rem;box-shadow:var(--shadow)}
  .about h2{font-size:clamp(1.8rem,3.2vw,2.6rem);margin:10px 0 18px}
  .about p{color:var(--muted);margin-bottom:16px}
  .checks{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:24px 0 32px}
  .checks li{display:flex;gap:10px;align-items:flex-start;font-weight:600;color:var(--navy);font-size:.93rem}
  .checks svg{width:20px;height:20px;color:var(--gold);flex:none;margin-top:2px}

  /* CTA band */
  .band{background:linear-gradient(120deg,var(--navy-deep),var(--navy-2));color:#fff;position:relative;overflow:hidden}
  .band::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:2px solid rgba(212,162,74,.35)}
  .band .container{position:relative;z-index:1;text-align:center;padding:80px 0}
  .band h2{color:#fff;font-size:clamp(1.8rem,3.4vw,2.7rem);margin-bottom:14px}
  .band p{color:#c9d1e0;max-width:620px;margin:0 auto 32px;font-size:1.05rem}
  .band .hero-ctas{justify-content:center}

  /* Contact / quote */
  .contact .container{display:grid;grid-template-columns:.85fr 1.15fr;gap:50px;align-items:start}
  .contact-info h2{font-size:clamp(1.8rem,3.2vw,2.4rem);margin:10px 0 16px}
  .contact-info>p{color:var(--muted);margin-bottom:28px}
  .info-item{display:flex;gap:16px;align-items:flex-start;padding:18px 0;border-bottom:1px solid var(--line)}
  .info-item .ico{width:46px;height:46px;border-radius:12px;background:var(--cream);color:var(--gold);display:grid;place-items:center;flex:none}
  .info-item .ico svg{width:22px;height:22px}
  .info-item small{display:block;color:var(--muted);font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em}
  .info-item strong{color:var(--navy);font-size:1.02rem}
  .info-item .hours-note{display:block;color:var(--muted);font-size:.88rem;margin-top:4px}
  .form-card{background:#fff;border-radius:20px;box-shadow:var(--shadow-lg);padding:40px;border-top:5px solid var(--gold)}
  .form-card h3{font-size:1.5rem;margin-bottom:6px}
  .form-card>p{color:var(--muted);margin-bottom:24px;font-size:.95rem}
  .fgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
  .field{display:flex;flex-direction:column;gap:6px}
  .field.full{grid-column:1/-1}
  .field label{font-size:.82rem;font-weight:700;color:var(--navy)}
  .field input,.field select,.field textarea{font:inherit;font-size:.95rem;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fcfbf8;color:var(--ink);transition:.2s;width:100%}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);background:#fff;box-shadow:0 0 0 4px rgba(184,134,43,.12)}
  .chips{display:flex;flex-wrap:wrap;gap:8px}
  .chips label{cursor:pointer;position:relative}
  .chips input{position:absolute;opacity:0;pointer-events:none}
  .chips span{display:inline-block;padding:8px 14px;border:1.5px solid var(--line);border-radius:999px;font-size:.85rem;font-weight:600;color:var(--navy);transition:.15s}
  .chips input:checked+span{background:var(--navy);color:#fff;border-color:var(--navy)}
  .chips input:focus-visible+span{box-shadow:0 0 0 3px rgba(184,134,43,.4)}
  .form-card .btn{width:100%;margin-top:22px}
  .form-note{font-size:.78rem;color:var(--muted);margin-top:12px;text-align:center}
  .form-success{display:none;text-align:center;padding:30px 0}
  .form-success svg{width:56px;height:56px;color:var(--gold);margin:0 auto 14px}

  /* Footer */
  footer{background:var(--navy-deep);color:#aeb8cc;font-size:.93rem}
  .foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:44px;padding:70px 0 50px}
  .foot-logo{background:#fff;border-radius:14px;padding:16px 20px;display:inline-block;margin-bottom:18px}
  .foot-logo img{height:84px;width:auto}
  footer h4{color:#fff;font-family:"Libre Baskerville",serif;font-size:1.05rem;margin-bottom:18px;position:relative;padding-bottom:10px}
  footer h4::after{content:"";position:absolute;left:0;bottom:0;width:34px;height:2px;background:var(--gold)}
  footer ul{list-style:none;display:grid;gap:10px}
  footer a:hover{color:var(--gold-2)}
  .foot-contact li{display:flex;gap:10px;align-items:flex-start}
  .foot-contact svg{width:16px;height:16px;color:var(--gold-2);flex:none;margin-top:4px}
  .foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.82rem}

  /* Reveal */
  html.js .reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
  html.js .reveal.in{opacity:1;transform:none}
  @media (prefers-reduced-motion:reduce){html.js .reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

  /* Responsive */
  @media (max-width:1024px){
    .grid-cards{grid-template-columns:repeat(2,1fr)}
    .foot{grid-template-columns:1fr 1fr}
  }
  @media (max-width:880px){
    .topbar .hide-sm{display:none}
    .menu-btn{display:block}
    .nav-links{position:fixed;inset:86px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:10px 16px 24px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);transform:translateY(-130%);visibility:hidden;transition:transform .3s,visibility .3s;z-index:-1;max-height:calc(100vh - 86px);overflow-y:auto}
    .nav-links.open{transform:none;visibility:visible}
    .nav-links a{padding:14px 4px;border-bottom:1px solid var(--line)}
    .nav-links a:not(.btn)::after{display:none}
    .nav-links .btn{margin-top:16px;border-bottom:0}
    .hero .container,.why .container,.about .container,.contact .container{grid-template-columns:1fr}
    .hero .container{padding:60px 0 80px;gap:56px}
    .hero-badge{position:static;margin:18px auto 0;width:fit-content}
    .about-img .tag{right:12px}
    .steps{grid-template-columns:1fr;gap:40px}
    .step::after{display:none}
    .section{padding:72px 0}
  }
  @media (max-width:560px){
    .grid-cards,.fgrid,.checks,.foot{grid-template-columns:1fr}
    .brand img{height:42px}.brand b{font-size:1.25rem}.brand i{font-size:.58rem;letter-spacing:.2em}
    .form-card{padding:28px 20px}
    .hero-ctas .btn{width:100%}
    .strip .container{flex-direction:column;align-items:flex-start}
  }

  /* ===== Multi-page additions ===== */
  .skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100;border-radius:0 0 8px 0}
  .skip:focus{left:0}
  .container.narrow{width:min(860px,100% - 32px)}
  .h3,.h4{font-family:"Libre Baskerville",Georgia,serif;color:var(--navy);line-height:1.2}
  .hero-art .card .h3{font-size:1.25rem;margin-bottom:6px;padding:0 20px}
  .strip .h3{color:#fff;font-size:1.25rem}
  .feat .h4{font-family:Montserrat,system-ui,sans-serif;font-size:1.05rem;color:var(--navy);margin-bottom:4px}
  .why p.intro a{color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}
  .center-cta{text-align:center;margin-top:44px}

  /* Nav: active + dropdown */
  .nav-links a[aria-current="page"],.dd-toggle.is-active{color:var(--gold)}
  .dd{position:relative}
  .dd-toggle{background:none;border:0;font:inherit;font-weight:600;font-size:.95rem;color:var(--navy);cursor:pointer;display:inline-flex;align-items:center;gap:5px;padding:0}
  .dd-toggle svg{width:15px;height:15px;transition:transform .2s}
  .dd-menu{position:absolute;top:calc(100% + 22px);left:50%;transform:translate(-50%,8px);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);padding:10px;display:grid;grid-template-columns:1fr 1fr;gap:2px;min-width:520px;opacity:0;visibility:hidden;transition:.2s;z-index:60}
  .dd-menu::before{content:"";position:absolute;left:0;right:0;top:-24px;height:24px}
  .dd:hover .dd-menu,.dd:focus-within .dd-menu,.dd.open .dd-menu{opacity:1;visibility:visible;transform:translate(-50%,0)}
  .dd:hover .dd-toggle svg,.dd.open .dd-toggle svg{transform:rotate(180deg)}
  .nav-links .dd-menu a{padding:9px 12px;border-radius:8px;font-size:.9rem;font-weight:600}
  .nav-links .dd-menu a:hover{background:var(--cream);color:var(--gold)}
  .nav-links .dd-menu a::after{display:none}
  .nav-links .dd-menu a.all{grid-column:1/-1;border-top:1px solid var(--line);border-radius:0 0 8px 8px;margin-top:4px;padding-top:12px;color:var(--gold)}

  /* Interior page hero */
  .page-hero{background:linear-gradient(120deg,var(--navy-deep),var(--navy-2));color:#fff;padding:60px 0 64px;position:relative;overflow:hidden}
  .page-hero::after{content:"";position:absolute;right:-140px;bottom:-200px;width:460px;height:460px;border-radius:50%;border:2px solid rgba(212,162,74,.3)}
  .page-hero .container{position:relative;z-index:1}
  .page-hero h1{color:#fff;font-size:clamp(2rem,4.4vw,3.1rem);margin:10px 0 16px}
  .page-hero p{color:#c9d1e0;max-width:680px;font-size:1.08rem}
  .page-hero.with-img .container{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
  .ph-img img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;border-radius:20px;box-shadow:0 24px 60px rgba(0,0,0,.35);border:4px solid rgba(255,255,255,.08)}
  .crumbs{font-size:.84rem;color:#aeb8cc;margin-bottom:18px}
  .crumbs a:hover{color:var(--gold-2)}
  .crumbs span{margin:0 6px;opacity:.5}
  .crumbs b{color:#fff;font-weight:600}
  .page-hero .eyebrow{color:var(--gold-2)}

  /* Product cards */
  .pgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
  .pgrid.three{grid-template-columns:repeat(3,1fr)}
  .pgrid.two{grid-template-columns:repeat(2,1fr);max-width:820px;margin:0 auto}
  .pcard,.bcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s,border-color .25s}
  .pcard:hover,.bcard:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
  .pcard img,.bcard img{width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
  .pcard .body,.bcard .body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
  .pcard h3,.bcard h3{font-size:1.15rem;margin-bottom:8px}
  .pcard p,.bcard p{color:var(--muted);font-size:.92rem;flex:1}
  .pcard .more{margin-top:16px;font-weight:700;font-size:.88rem;color:var(--gold);display:inline-flex;align-items:center;gap:6px;transition:gap .2s}
  .pcard .more svg{width:15px;height:15px}
  .pcard:hover .more{gap:10px}
  .pcard-cta{background:linear-gradient(150deg,var(--navy),var(--navy-2));border:0;justify-content:center}
  .pcard-cta .body{justify-content:center;padding:34px 30px}
  .pcard-cta h3{color:#fff;font-size:1.4rem;margin:8px 0 12px}
  .pcard-cta p{color:#c9d1e0}
  .pcard-cta .more{color:var(--gold-2)}
  .pcard-cta .eyebrow{color:var(--gold-2)}

  /* Blog cards */
  .bgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
  .bcard .tag{display:inline-block;align-self:flex-start;font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
  .bcard .meta{margin-top:14px;font-size:.8rem;color:var(--muted);font-weight:600}

  /* Content layout */
  .layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:56px;align-items:start}
  .prose>h2{font-size:clamp(1.4rem,2.4vw,1.75rem);margin:44px 0 16px}
  .prose>h2:first-child{margin-top:0}
  .prose h3{font-size:1.15rem;margin:24px 0 8px}
  .prose p{color:#3d475a;margin-bottom:16px;font-size:1.03rem;line-height:1.78}
  .prose ul{list-style:none;display:grid;gap:10px;margin:0 0 20px}
  .prose ul li{position:relative;padding-left:30px;color:#3d475a;line-height:1.65}
  .prose ul li::before{content:"";position:absolute;left:2px;top:.5em;width:13px;height:7px;border-left:2.5px solid var(--gold);border-bottom:2.5px solid var(--gold);transform:rotate(-45deg)}
  .prose a{color:var(--navy);font-weight:600;text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}
  .prose a:hover{color:var(--gold)}
  .callout{background:var(--cream);border-left:4px solid var(--gold);border-radius:10px;padding:20px 24px;margin:28px 0;color:#3d475a;line-height:1.7}
  .covers{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:8px}
  .cover{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
  .cover .ck{flex:none;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--gold-2);display:grid;place-items:center}
  .cover .ck svg{width:16px;height:16px}
  .prose .cover h3{font-family:Montserrat,system-ui,sans-serif;font-size:.98rem;margin:4px 0 4px}
  .prose .cover p{font-size:.92rem;line-height:1.6;margin:0;color:var(--muted)}
  .prose .faq{margin-bottom:10px}

  /* Sidebar */
  .side{position:sticky;top:110px;display:grid;gap:20px}
  .side-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:var(--shadow)}
  .side-card h3{font-size:1.1rem;margin-bottom:12px}
  .side-card.navy{background:linear-gradient(150deg,var(--navy),var(--navy-2));border:0;color:#c9d1e0}
  .side-card.navy h3{color:#fff;font-size:1.3rem}
  .side-card.navy p{font-size:.93rem;margin-bottom:18px}
  .side-card.navy .btn{width:100%}
  .side-phone{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;margin-top:16px}
  .side-phone svg{width:16px;height:16px;color:var(--gold-2)}
  .side-card.navy small{display:block;text-align:center;margin-top:4px;font-size:.78rem;opacity:.8}
  .side-links{list-style:none;display:grid;gap:2px}
  .side-links a{display:block;padding:8px 0;border-bottom:1px solid var(--line);font-size:.92rem;font-weight:600;color:var(--navy)}
  .side-links li:last-child a{border-bottom:0}
  .side-links a:hover{color:var(--gold)}

  /* FAQ accordion */
  .faq{display:grid;gap:12px}
  .faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 22px;transition:box-shadow .2s}
  .faq details[open]{box-shadow:var(--shadow);border-color:transparent}
  .faq summary{cursor:pointer;list-style:none;padding:18px 34px 18px 0;font-weight:700;color:var(--navy);position:relative;line-height:1.45}
  .faq summary::-webkit-details-marker{display:none}
  .faq summary::after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:400;color:var(--gold)}
  .faq details[open] summary::after{content:"\2013"}
  .faq details p{padding:0 0 20px;color:var(--muted);line-height:1.7;margin:0}
  .faq details a{color:var(--navy);font-weight:600;text-decoration:underline;text-decoration-color:var(--gold)}
  .faq-title{font-size:clamp(1.5rem,2.6vw,1.9rem);margin:0 0 20px}
  .faq-title:not(:first-child){margin-top:56px}
  .faq-group{font-size:1.1rem;margin:30px 0 12px}
  .faq-group a:hover{color:var(--gold)}
  .faq-teaser{background:var(--cream)}

  /* Areas */
  .area-list{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:10px;max-width:900px;margin:0 auto}
  .area-list li{background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:9px 18px;font-weight:600;color:var(--navy);font-size:.92rem}
  .area-list li.all{background:var(--navy);border-color:var(--navy);color:#fff}
  .areas{padding-top:0}

  /* At-a-glance table */
  .table-wrap{overflow-x:auto;border-radius:14px;box-shadow:var(--shadow);background:#fff}
  .glance{width:100%;border-collapse:collapse;font-size:.95rem}
  .glance th{background:var(--navy);color:#fff;text-align:left;padding:14px 18px;font-weight:700}
  .glance td{padding:14px 18px;border-top:1px solid var(--line);color:var(--muted);vertical-align:top}
  .glance td:first-child{font-weight:700;white-space:nowrap}
  .glance td a{color:var(--navy)}
  .glance td a:hover{color:var(--gold)}

  /* Blog post */
  .post-hero{padding-bottom:56px}
  .post-hero h1{font-size:clamp(1.9rem,4vw,2.7rem)}
  .byline{display:flex;gap:14px;align-items:center;margin-top:22px}
  .byline img{width:48px;height:48px;border-radius:50%;object-fit:cover;border:2px solid var(--gold-2)}
  .byline strong{display:block;color:#fff;font-size:.95rem}
  .byline span{display:block;font-size:.82rem;color:#aeb8cc}
  .post .post-img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:18px;margin:-20px 0 40px;box-shadow:var(--shadow-lg)}
  .author-box{display:flex;gap:20px;align-items:flex-start;background:var(--cream);border-radius:16px;padding:24px;margin:40px 0 20px}
  .author-box img{width:88px;height:88px;border-radius:50%;object-fit:cover;flex:none}
  .author-box strong{color:var(--navy);font-family:"Libre Baskerville",serif}
  .author-box p{font-size:.95rem;margin:6px 0 0}
  .disclaimer{font-size:.85rem!important;color:var(--muted)!important;font-style:italic}

  /* Contact page */
  .info-item.last{border-bottom:0}
  .info-item .hours-note{display:block;color:var(--muted);font-size:.88rem;margin-top:4px}
  .field .lbl{font-size:.82rem;font-weight:700;color:var(--navy)}
  .form-success p{color:var(--muted)}
  .form-note a{text-decoration:underline}
  .map-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:50px;align-items:center}
  .map-grid h2{font-size:clamp(1.7rem,3vw,2.3rem);margin:10px 0 16px}
  .map-grid p{color:var(--muted);margin-bottom:14px}
  .map-grid p a{color:var(--navy);font-weight:600;text-decoration:underline;text-decoration-color:var(--gold)}
  .map-grid .btn{margin-top:8px}
  .map{border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3;background:#e9e4d8}
  .map iframe{width:100%;height:100%;border:0;display:block}
  .foot-prods{gap:8px!important}

  @media (max-width:1080px){
    .topbar .hide-sm{display:none}
    .menu-btn{display:block}
    .nav-links{position:fixed;inset:86px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:10px 16px 24px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);transform:translateY(-130%);visibility:hidden;transition:transform .3s,visibility .3s;z-index:-1;max-height:calc(100vh - 86px);overflow-y:auto}
    .nav-links.open{transform:none;visibility:visible}
    .nav-links a{padding:14px 4px;border-bottom:1px solid var(--line)}
    .nav-links a:not(.btn)::after{display:none}
    .nav-links .btn{margin-top:16px;border-bottom:0}
    .nav-links .dd{border-bottom:1px solid var(--line)}
    .dd-toggle{width:100%;justify-content:space-between;padding:14px 4px}
    .dd-menu{position:static;transform:none;opacity:1;visibility:visible;display:none;min-width:0;box-shadow:none;border:0;grid-template-columns:1fr;padding:0 0 10px 10px;transition:none}
    .dd-menu::before{display:none}
    .dd:hover .dd-menu,.dd:focus-within .dd-menu{transform:none}
    .dd.open .dd-menu{display:grid;transform:none}
    .nav-links .dd-menu a{border-bottom:0;padding:9px 8px}
    .nav-links .dd-menu a.all{border-top:1px solid var(--line)}
  }
  @media (max-width:1024px){
    .pgrid,.bgrid{grid-template-columns:repeat(2,1fr)}
    .layout{grid-template-columns:1fr}
    .side{position:static;grid-template-columns:1fr 1fr}
  }
  @media (max-width:880px){
    .page-hero.with-img .container,.map-grid{grid-template-columns:1fr;gap:34px}
    .page-hero{padding:44px 0 50px}
    .covers{grid-template-columns:1fr}
    .pgrid.three{grid-template-columns:repeat(2,1fr)}
  }
  @media (max-width:640px){
    .pgrid,.pgrid.three,.pgrid.two,.bgrid,.side{grid-template-columns:1fr}
    .author-box{flex-direction:column}
    .glance td:first-child{white-space:normal}
  }
  .tint{background:var(--cream)}

  /* ===== Round 2: quoting portal, client center, sticky CTA, carriers ===== */
  .hero h1{font-size:clamp(2.1rem,4.3vw,3.3rem)}
  .tb-client{background:rgba(212,162,74,.16);border:1px solid rgba(212,162,74,.5);color:#fff!important;padding:4px 12px;border-radius:999px;font-weight:600}
  .tb-client:hover{background:var(--gold);border-color:var(--gold)}
  .nav-links .nav-client{display:none}
  .hero-client{margin-top:22px;font-size:.9rem;color:var(--muted)}
  .hero-client a{color:var(--navy);font-weight:700;display:inline-flex;align-items:center;gap:6px;border-bottom:2px solid var(--gold-2)}
  .hero-client svg{width:14px;height:14px}

  .review-band{background:linear-gradient(110deg,#c99434,var(--gold-2) 55%,#e2b862);color:var(--navy);position:relative;overflow:hidden}
  .review-band::after{content:"";position:absolute;right:-90px;top:-120px;width:320px;height:320px;border-radius:50%;border:2px solid rgba(15,34,68,.15)}
  .review-band .container{position:relative;z-index:1;display:flex;align-items:center;gap:28px;padding:40px 0}
  .rb-ico{flex:none;width:74px;height:74px;border-radius:18px;background:var(--navy);color:var(--gold-2);display:grid;place-items:center;box-shadow:0 10px 24px rgba(15,34,68,.25)}
  .rb-ico svg{width:36px;height:36px}
  .rb-text{flex:1}
  .review-band h2{color:var(--navy);font-size:clamp(1.5rem,2.6vw,2rem);margin-bottom:6px}
  .review-band p{color:#2a2f3a;font-size:1.04rem;font-weight:500;max-width:560px}
  .rb-ctas{display:flex;flex-direction:column;align-items:center;gap:10px}
  .rb-ctas .btn{box-shadow:0 10px 24px rgba(15,34,68,.25)}
  .rb-alt{font-weight:700;font-size:.9rem;color:var(--navy);display:inline-flex;align-items:center;gap:6px}
  .rb-alt svg{width:14px;height:14px}
  .rb-alt:hover{text-decoration:underline}

  .stat-note{font-size:.78rem;color:var(--muted);margin-top:14px;text-align:center}

  .carriers{background:#fff;padding:42px 0 46px;border-bottom:1px solid var(--line);overflow:hidden}
  .carriers-h{text-align:center;font-weight:700;letter-spacing:.18em;text-transform:uppercase;font-size:.78rem;color:var(--gold);margin-bottom:24px}
  .marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
  .track{display:flex;width:max-content;list-style:none;animation:crawl 38s linear infinite}
  .marquee:hover .track{animation-play-state:paused}
  .track li{flex:none;display:flex;align-items:center;justify-content:center;height:64px;padding:0 46px}
  .track img{width:auto;max-width:none}
  @keyframes crawl{to{transform:translateX(-50%)}}
  @media (prefers-reduced-motion:reduce){.track{animation:none;flex-wrap:wrap;justify-content:center;width:auto}.track li[aria-hidden]{display:none}}

  .quote-nudge{margin:-10px 0 22px;font-weight:600;color:var(--navy)!important}
  .quote-nudge a{color:var(--gold);display:inline-flex;align-items:center;gap:6px;border-bottom:2px solid var(--gold-2)}
  .quote-nudge svg{width:14px;height:14px}
  .field .file-input{position:absolute;width:1px;height:1px;padding:0;border:0;opacity:0;pointer-events:none;left:0}
  .field{position:relative}
  .file-drop{display:flex!important;align-items:center;gap:14px;border:2px dashed var(--line);border-radius:12px;padding:16px 18px;background:#fcfbf8;cursor:pointer;transition:.2s;font-weight:500!important}
  .file-drop:hover,.file-drop.drag{border-color:var(--gold);background:#fff}
  .file-input:focus-visible+.file-drop,.file-drop:focus-within{box-shadow:0 0 0 4px rgba(184,134,43,.15)}
  .file-drop svg{width:30px;height:30px;color:var(--gold);flex:none}
  .file-text{font-size:.9rem;color:var(--ink)}
  .file-text strong{color:var(--navy)}
  .file-text small{display:block;color:var(--muted);font-size:.78rem;font-weight:400;margin-top:2px}
  .field label em{font-weight:500;color:var(--muted);font-style:normal}
  .consent label{display:flex!important;gap:10px;align-items:flex-start;font-weight:400!important;font-size:.78rem!important;color:var(--muted)!important;line-height:1.5;cursor:pointer}
  .consent input{margin-top:3px;width:16px!important;height:16px;flex:none;accent-color:var(--navy)}
  .consent a{text-decoration:underline;color:var(--navy)}

  .ph-ctas{margin-top:26px}
  .side-talk{display:block;text-align:center;margin-top:14px;font-size:.85rem;font-weight:600;color:var(--gold-2)}
  .side-talk:hover{color:#fff}

  .choices{padding:64px 0 0}
  .choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
  .choice{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px 28px;display:flex;flex-direction:column;align-items:flex-start;box-shadow:var(--shadow)}
  .choice.featured{border:2px solid var(--gold)}
  .choice .ico{width:54px;height:54px;border-radius:14px;background:var(--cream);color:var(--gold);display:grid;place-items:center;margin-bottom:16px}
  .choice .ico svg{width:26px;height:26px}
  .choice .h3{font-size:1.25rem;margin-bottom:8px}
  .choice p{color:var(--muted);font-size:.93rem;flex:1;margin-bottom:20px}

  .legal p{font-size:1rem}
  .legal-links{margin-top:30px;padding-top:20px;border-top:1px solid var(--line)}

  .sticky-cta{display:none}
  @media (max-width:1080px){
    .nav-links .nav-client{display:flex;align-items:center;gap:8px;color:var(--gold)}
    .nav-links .nav-client svg{width:16px;height:16px}
  }
  @media (max-width:880px){
    .review-band .container{flex-direction:column;text-align:center;gap:18px;padding:36px 0}
    .review-band p{margin:0 auto}
    .choice-grid{grid-template-columns:1fr}
    .sticky-cta{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:70;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(15,34,68,.12)}
    .sticky-cta .btn{flex:1;padding:14px 20px}
    .sticky-call{flex:none;width:52px;border-radius:999px;background:var(--navy);color:#fff;display:grid;place-items:center}
    .sticky-call svg{width:22px;height:22px}
    body{padding-bottom:76px}
    .track li{padding:0 30px}
  }

  /* About page */
  .eric-card{text-align:center}
  .eric-card img{width:150px;height:150px;border-radius:50%;object-fit:cover;margin:0 auto 14px;border:4px solid var(--gold-soft)}
  .eric-card h3{font-size:1.35rem;margin-bottom:2px}
  .eric-card .role{color:var(--gold);font-weight:700;font-size:.85rem;margin-bottom:16px}
  .facts{list-style:none;text-align:left;display:grid;gap:0}
  .facts li{padding:10px 0;border-top:1px solid var(--line)}
  .facts small{display:block;font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:700}
  .facts strong{font-size:.92rem;color:var(--navy)}
  .byline a{color:#fff;text-decoration:underline;text-decoration-color:var(--gold-2)}
  .about .hero-ctas{margin-top:4px}