:root {
  --primary: #8b2e2e;
  --primary-dark: #5e1f1f;
  --bg: #faf6ed;
  --card: #ffffff;
  --ink: #22201c;
  --ink-soft: #5a544a;
  --rule: #d8c9a8;
  --accent-pine: #3d5240;
  --accent-muted: #8a7c64;
  --shadow: rgba(34, 32, 28, 0.08);
  --serif: 'Source Serif Pro', Georgia, serif;
  --body: 'Source Serif Pro', Georgia, serif;
  --ui: 'Source Sans Pro', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; height: auto; }
a { color: var(--primary); text-decoration: underline; text-decoration-color: var(--rule); text-decoration-thickness: 1px; text-underline-offset: 0.2em; transition: text-decoration-color 0.2s, color 0.2s; }
a:hover { text-decoration-color: var(--primary); color: var(--primary-dark); }

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--ink);
  font-weight: 600;
  line-height: 1.2;
}
h1 {
  font-size: clamp(2.5rem, 4.5vw, 3.5rem);
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -0.01em;
  text-wrap: balance;
}
h2 {
  font-size: clamp(1.75rem, 3vw, 2.25rem);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.005em;
}
h3 { font-size: 1.375rem; font-weight: 600; }
p { margin-bottom: 1em; }
em { font-style: italic; }
em.phone { font-family: var(--serif); font-style: italic; font-weight: 500; }

.smallcaps {
  font-family: var(--ui);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  font-weight: 600;
  color: var(--ink-soft);
}
.smallcaps--pine { color: var(--accent-pine); }
.smallcaps--barn { color: var(--primary); }
.smallcaps--cream { color: var(--bg); }

.wrap { max-width: 76rem; margin: 0 auto; padding: 0 1.5rem; }
.wrap--narrow { max-width: 42rem; margin: 0 auto; padding: 0 1.5rem; }
.wrap--medium { max-width: 56rem; margin: 0 auto; padding: 0 1.5rem; }

.skip-link {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--ink);
  color: var(--bg);
  padding: 0.5rem 1rem;
  font-size: 0.85rem;
  z-index: 200;
  text-decoration: none;
}
.skip-link:focus { top: 0; }

.rule { height: 1px; background: var(--rule); border: 0; margin: 4rem 0; }
.rule--pine { background: var(--accent-pine); width: 3rem; height: 2px; margin: 1rem 0 1.5rem; }

/* TRUSTED CHOICE UTILITY STRIP */
.tc-strip {
  background: var(--accent-pine);
  color: var(--bg);
  padding: 0.4rem 0;
  text-align: center;
}
.tc-strip-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  font-family: var(--ui);
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--bg);
}
.tc-strip-icon {
  display: inline-block;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--primary);
  border: 1.5px solid var(--bg);
}

/* HEADER */
.site-header {
  position: sticky;
  top: 0;
  background: var(--bg);
  z-index: 100;
  transition: box-shadow 0.3s ease;
  border-bottom: 1px solid transparent;
}
.site-header.is-scrolled {
  box-shadow: 0 2px 8px var(--shadow);
  border-bottom-color: var(--rule);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.1rem 0;
  gap: 1.5rem;
}
.wordmark {
  font-family: var(--serif);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -0.005em;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}
.wordmark-icon {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  color: var(--accent-pine);
}
.site-nav {
  display: flex;
  gap: 1.75rem;
  align-items: center;
}
.site-nav a {
  font-family: var(--ui);
  font-size: 0.9rem;
  color: var(--ink-soft);
  text-decoration: none;
  font-weight: 500;
  transition: color 0.2s;
}
.site-nav a:hover { color: var(--primary); }
.site-nav a.is-current { color: var(--primary); border-bottom: 1px solid var(--primary); padding-bottom: 0.2rem; }
.header-phone-block {
  text-align: right;
  line-height: 1.2;
}
.header-phone-eyebrow {
  font-family: var(--ui);
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  font-weight: 600;
  color: var(--accent-pine);
  display: block;
  margin-bottom: 0.15rem;
}
.header-phone {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--ink);
  text-decoration: none;
}
.header-phone:hover { color: var(--primary); }
.menu-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 0.5rem; font-size: 1.4rem; color: var(--ink); }

@media (max-width: 940px) {
  .site-nav { display: none; }
  .menu-toggle { display: block; }
  .header-phone-block { display: none; }
}

/* HOMEPAGE HERO — pattern #5 stats-band */
.hero {
  background: var(--bg);
  padding: 3rem 0 0;
}
.hero-strip {
  width: 100%;
  height: clamp(220px, 32vw, 360px);
  background-size: cover;
  background-position: center;
  margin-bottom: 2.5rem;
  filter: saturate(0.92);
}
.hero-body {
  text-align: center;
  padding: 0 1.5rem;
  max-width: 60rem;
  margin: 0 auto;
}
.hero-body .smallcaps { display: inline-block; margin-bottom: 1.25rem; }
.hero-body h1 { margin-bottom: 1rem; }
.hero-body .italic-credit {
  font-style: italic;
  font-size: 1.0625rem;
  color: var(--ink-soft);
  margin: 0.75rem auto 1.5rem;
  max-width: 48rem;
}
.hero-body .rule--pine { margin: 1.5rem auto 2rem; }
.hero-buttons {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  justify-content: center;
  margin-top: 1.5rem;
}

/* STATS BAND (hero pattern #5) */
.stats-band {
  background: var(--card);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  margin-top: 3.5rem;
  padding: 2rem 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  text-align: center;
}
.stat-num {
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(2rem, 3.6vw, 2.75rem);
  color: var(--primary);
  line-height: 1;
  margin-bottom: 0.4rem;
  letter-spacing: -0.01em;
}
.stat-label {
  font-family: var(--ui);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 600;
  color: var(--ink-soft);
}
@media (max-width: 760px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
}

/* PAGE HERO (interior pages — shorter) */
.page-hero {
  padding: 3rem 0;
  border-bottom: 1px solid var(--rule);
  position: relative;
  background: var(--bg);
}
.page-hero.has-bg {
  height: 340px;
  display: flex;
  align-items: center;
  background-size: cover;
  background-position: center;
  border-bottom: 0;
}
.page-hero.has-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(250, 246, 237, 0.82);
}
.page-hero.has-bg .wrap { position: relative; z-index: 2; }
.page-hero.dark-band {
  background: var(--primary);
  color: var(--bg);
  border-bottom: 0;
  padding: 4.5rem 0;
}
.page-hero.dark-band h1 { color: var(--bg); }
.page-hero.dark-band .smallcaps { color: rgba(250, 246, 237, 0.85); }
.page-hero.dark-band .breadcrumb,
.page-hero.dark-band .breadcrumb a { color: rgba(250, 246, 237, 0.7); }
.page-hero h1 {
  max-width: 28ch;
  text-wrap: balance;
}
.page-hero .smallcaps { display: block; margin-bottom: 0.75rem; }

.breadcrumb {
  font-family: var(--ui);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-soft);
  margin-bottom: 1rem;
  font-weight: 500;
}
.breadcrumb a { color: var(--ink-soft); text-decoration: none; }
.breadcrumb a:hover { color: var(--primary); }
.breadcrumb .sep { margin: 0 0.5rem; color: var(--accent-muted); }

/* BUTTONS */
.btn {
  font-family: var(--ui);
  font-size: 0.9rem;
  font-weight: 600;
  padding: 0.85rem 1.5rem;
  text-decoration: none;
  display: inline-block;
  border: 1.5px solid var(--primary);
  background: transparent;
  color: var(--primary);
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.02em;
}
.btn:hover { background: var(--primary); color: var(--bg); }
.btn--primary { background: var(--primary); color: var(--bg); }
.btn--primary:hover { background: var(--primary-dark); border-color: var(--primary-dark); color: var(--bg); }
.btn--ghost {
  background: transparent;
  border-color: var(--ink);
  color: var(--ink);
  font-family: var(--serif);
  font-style: italic;
  font-weight: 500;
}
.btn--ghost:hover { background: var(--ink); color: var(--bg); border-color: var(--ink); }

/* SECTIONS */
section { padding: 4.5rem 0; }
section.tight { padding: 2.5rem 0; }

/* TRUSTED CHOICE TRUST STRIP (homepage above the fold) */
.trust-strip {
  background: var(--card);
  border-top: 1px solid var(--accent-pine);
  border-bottom: 1px solid var(--accent-pine);
  padding: 1.75rem 0;
}
.trust-strip-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
  text-align: center;
}
.trust-badge {
  width: 96px;
  height: 96px;
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
  flex-shrink: 0;
}
.trust-tagline {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.125rem;
  color: var(--ink);
  max-width: 32rem;
  line-height: 1.4;
}
.trust-bigi {
  font-family: var(--ui);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-weight: 700;
  color: var(--accent-pine);
  padding: 0.85rem 1.4rem;
  border: 1.5px solid var(--accent-pine);
  text-align: center;
  line-height: 1.3;
}
.trust-bigi span { display: block; font-size: 0.65rem; letter-spacing: 0.12em; opacity: 0.8; margin-top: 0.15rem; }

/* LOB CARDS (homepage 3-up) */
.lob-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}
.lob-card {
  background: var(--card);
  padding: 2.25rem 1.75rem;
  border: 1px solid var(--rule);
  text-align: center;
  display: flex;
  flex-direction: column;
}
.lob-card-illo {
  width: 100px;
  height: 100px;
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
  margin: 0 auto 1.25rem;
}
.lob-card h3 { margin-bottom: 0.75rem; }
.lob-card p { color: var(--ink-soft); font-size: 1rem; line-height: 1.55; flex: 1; margin-bottom: 1.25rem; }
.lob-card-more {
  font-family: var(--ui);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 700;
  color: var(--primary);
  text-decoration: none;
}
.lob-card-more:hover { color: var(--primary-dark); }
@media (max-width: 800px) { .lob-grid { grid-template-columns: 1fr; } }

.section-eyebrow {
  text-align: center;
  margin-bottom: 1rem;
}
.section-eyebrow .smallcaps { display: inline-block; }
.section-eyebrow h2 { margin-top: 0.5rem; }

/* WHY INDEPENDENT DARK BAND */
.dark-band {
  background: var(--primary-dark);
  color: var(--bg);
  padding: 5rem 0;
}
.dark-band h2 { color: var(--bg); margin-bottom: 1.5rem; }
.dark-band p { color: rgba(250, 246, 237, 0.85); line-height: 1.7; }
.dark-band .smallcaps { color: rgba(250, 246, 237, 0.7); }
.dark-band-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 4rem;
  align-items: start;
}
.dark-band blockquote {
  font-style: italic;
  font-size: 1.25rem;
  line-height: 1.5;
  color: #d8c9a8;
  border-left: 2px solid var(--rule);
  padding: 0.5rem 0 0.5rem 1.5rem;
  margin: 1.75rem 0 1rem;
}
.dark-band blockquote cite {
  display: block;
  font-style: normal;
  font-family: var(--ui);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: rgba(250, 246, 237, 0.7);
  margin-top: 1rem;
  font-weight: 600;
}
.carrier-list-card {
  background: rgba(250, 246, 237, 0.06);
  border: 1px solid rgba(250, 246, 237, 0.18);
  padding: 2rem;
}
.carrier-list-card h3 {
  font-family: var(--ui);
  color: var(--bg);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-weight: 700;
  margin-bottom: 1.25rem;
}
.carrier-list-card ul {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.55rem 1rem;
  margin-bottom: 1.5rem;
}
.carrier-list-card li {
  font-family: var(--serif);
  font-size: 1rem;
  color: var(--bg);
}
.carrier-list-card a {
  font-family: var(--ui);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 700;
  color: var(--bg);
  text-decoration: underline;
  text-decoration-color: rgba(250, 246, 237, 0.4);
}
.carrier-list-card a:hover { text-decoration-color: var(--bg); color: var(--bg); }
@media (max-width: 800px) {
  .dark-band-grid { grid-template-columns: 1fr; gap: 2rem; }
}

/* REVIEWS */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
  margin-top: 2rem;
}
.review-card {
  background: var(--card);
  padding: 2rem;
  border: 1px solid var(--rule);
}
.review-stars {
  width: 4rem;
  height: 2px;
  background: var(--accent-pine);
  margin-bottom: 1.25rem;
}
.review-card blockquote {
  font-style: italic;
  font-size: 1.0625rem;
  line-height: 1.55;
  color: var(--ink);
  margin-bottom: 1rem;
}
.review-attrib {
  font-family: var(--ui);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 600;
  color: var(--ink-soft);
}
.reviews-footer {
  text-align: center;
  margin-top: 2rem;
}
.reviews-footer a {
  font-family: var(--ui);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary);
  text-decoration: none;
}
.reviews-footer a:hover { text-decoration: underline; }
@media (max-width: 800px) { .reviews-grid { grid-template-columns: 1fr; } }

/* ABOUT PREVIEW BLOCK (homepage) */
.about-preview {
  display: grid;
  grid-template-columns: 5fr 4fr;
  gap: 4rem;
  align-items: center;
}
.about-preview-img {
  aspect-ratio: 16/9;
  background-size: cover;
  background-position: center;
}
.about-preview p { font-size: 1.0625rem; color: var(--ink-soft); line-height: 1.7; }
.about-preview .smallcaps { display: block; margin-bottom: 0.5rem; }
@media (max-width: 800px) {
  .about-preview { grid-template-columns: 1fr; gap: 2rem; }
}

/* INLINE QUOTE FORM (homepage) */
.quote-inline {
  max-width: 44rem;
  margin: 0 auto;
  background: var(--card);
  border: 1px solid var(--accent-pine);
  padding: 2.75rem 2.5rem;
}
.quote-inline h2 { margin-bottom: 1.5rem; text-align: center; }
.quote-inline .form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem 1.5rem;
  margin-bottom: 1.25rem;
}
.quote-inline .form-grid .full { grid-column: 1 / -1; }
@media (max-width: 600px) { .quote-inline .form-grid { grid-template-columns: 1fr; } }

.quote-inline .form-disclaimer {
  font-style: italic;
  font-size: 0.92rem;
  color: var(--ink-soft);
  text-align: center;
  margin: 1rem 0 1.25rem;
}

/* FORMS (shared) */
.form-row { margin-bottom: 1.25rem; }
.form-row label,
.form-grid label {
  display: block;
  font-family: var(--ui);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 0.4rem;
  font-weight: 600;
}
.form-row input,
.form-row select,
.form-row textarea,
.form-grid input,
.form-grid select,
.form-grid textarea {
  width: 100%;
  padding: 0.7rem 0.85rem;
  background: var(--bg);
  border: 1px solid var(--rule);
  font-family: var(--body);
  font-size: 1rem;
  color: var(--ink);
  outline: none;
  resize: vertical;
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus,
.form-grid input:focus,
.form-grid select:focus,
.form-grid textarea:focus {
  border-color: var(--primary);
  background: var(--card);
}
.checkbox-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.25rem;
  margin-top: 0.35rem;
}
.checkbox-row label {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: var(--body);
  font-size: 0.95rem;
  text-transform: none;
  letter-spacing: 0;
  color: var(--ink);
  font-weight: 400;
  margin: 0;
}
.checkbox-row input { width: auto; padding: 0; }
.form-submit {
  background: var(--primary);
  color: var(--bg);
  border: 0;
  padding: 0.95rem 2rem;
  font-family: var(--ui);
  font-size: 0.85rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  cursor: pointer;
  width: 100%;
  margin-top: 0.5rem;
  transition: background 0.2s;
}
.form-submit:hover { background: var(--primary-dark); }

/* SERVICE AREA + MAP */
.service-area {
  border-top: 1px solid var(--rule);
}
.service-area-grid {
  display: grid;
  grid-template-columns: 5fr 4fr;
  gap: 0;
  align-items: stretch;
}
.area-map-frame {
  width: 100%;
  height: 100%;
  min-height: 380px;
  border: 0;
  filter: saturate(0.9);
}
.service-area-info {
  padding: 4rem 3rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.service-area-info h3 {
  font-size: 1.75rem;
  margin-bottom: 1rem;
}
.service-area-info address {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.1rem;
  margin: 1.25rem 0 0.5rem;
}
.service-area-info p { color: var(--ink-soft); line-height: 1.7; }
@media (max-width: 800px) {
  .service-area-grid { grid-template-columns: 1fr; }
  .service-area-info { padding: 3rem 1.5rem; }
}

/* ARTICLE PROSE (about, lob detail pages) */
.article-prose {
  font-family: var(--body);
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--ink);
  padding: 4rem 0;
}
.article-prose .pullquote-open {
  font-size: 1.5rem;
  font-style: italic;
  line-height: 1.4;
  color: var(--primary);
  border-left: 2px solid var(--primary);
  padding: 0.5rem 0 0.5rem 1.5rem;
  margin-bottom: 3rem;
}
.article-prose p { margin-bottom: 1.25rem; }
.article-prose h2 {
  margin: 3rem 0 0.5rem;
  font-size: clamp(1.5rem, 2.6vw, 1.9rem);
}
.article-prose h2 .smallcaps {
  display: block;
  margin-bottom: 0.5rem;
}
.article-prose h3 { margin: 2rem 0 0.75rem; }
.article-prose blockquote {
  font-style: italic;
  font-size: 1.3rem;
  line-height: 1.5;
  color: var(--accent-pine);
  border-left: 2px solid var(--accent-pine);
  padding: 0.5rem 0 0.5rem 1.5rem;
  margin: 2.5rem 0;
}
.article-prose blockquote cite {
  display: block;
  font-style: normal;
  font-family: var(--ui);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-soft);
  margin-top: 0.85rem;
  font-weight: 600;
}

.portrait-float {
  float: right;
  width: 14rem;
  max-width: 40%;
  aspect-ratio: 4/5;
  background-size: cover;
  background-position: center;
  margin: 0.5rem 0 1.25rem 2rem;
  filter: saturate(0.92);
}
@media (max-width: 600px) {
  .portrait-float { float: none; width: 100%; max-width: 22rem; margin: 1.5rem auto; display: block; }
}

/* DEFINITION LISTS (LOB pages) */
dl.included {
  display: grid;
  grid-template-columns: max-content 1fr;
  gap: 0.85rem 1.75rem;
  margin: 1.5rem 0 2rem;
  padding: 1.5rem 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
dl.included dt {
  font-family: var(--ui);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--primary);
  font-weight: 700;
  align-self: baseline;
  padding-top: 0.15rem;
}
dl.included dd { font-size: 1.0625rem; color: var(--ink); line-height: 1.55; }
@media (max-width: 600px) {
  dl.included { grid-template-columns: 1fr; gap: 0.4rem 0; }
  dl.included dd { margin-bottom: 0.8rem; }
}

/* DETAIL LAYOUT (auto, home) */
.detail-layout {
  display: grid;
  grid-template-columns: 1fr 18rem;
  gap: 4rem;
  max-width: 72rem;
  margin: 0 auto;
  padding: 4rem 1.5rem;
  align-items: start;
}
.detail-sidebar {
  position: sticky;
  top: 6.5rem;
  padding: 2rem;
  border: 1px solid var(--rule);
  background: var(--card);
}
.detail-sidebar h3 {
  font-family: var(--ui);
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 1rem;
  font-weight: 700;
}
.detail-sidebar .sidebar-cta {
  display: block;
  background: var(--primary);
  color: var(--bg);
  padding: 0.85rem 1rem;
  text-align: center;
  margin-bottom: 1rem;
  font-family: var(--ui);
  font-size: 0.85rem;
  font-weight: 700;
  text-decoration: none;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.detail-sidebar .sidebar-cta:hover { background: var(--primary-dark); color: var(--bg); }
.detail-sidebar .sidebar-phone {
  display: block;
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.05rem;
  color: var(--ink);
  text-align: center;
  margin-bottom: 1.25rem;
  text-decoration: none;
}
.detail-sidebar .sidebar-phone:hover { color: var(--primary); }
.detail-sidebar a.sidebar-link {
  display: block;
  padding: 0.55rem 0;
  border-bottom: 1px solid var(--rule);
  text-decoration: none;
  color: var(--ink);
  font-size: 0.95rem;
}
.detail-sidebar a.sidebar-link:last-of-type { border-bottom: 0; }
.detail-sidebar a.sidebar-link:hover { color: var(--primary); }
@media (max-width: 980px) {
  .detail-layout { grid-template-columns: 1fr; gap: 2rem; padding: 3rem 1.5rem; }
  .detail-sidebar { position: static; }
}

/* CROSS-LINK BLOCK (LOB detail bottom) */
.cross-link {
  border-top: 1px solid var(--rule);
  padding: 3rem 0;
  margin-top: 2rem;
}
.cross-link .smallcaps {
  display: block;
  text-align: center;
  margin-bottom: 2rem;
}
.cross-link-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  max-width: 56rem;
  margin: 0 auto;
}
.cross-link-card {
  background: var(--card);
  border: 1px solid var(--rule);
  padding: 1.5rem;
  text-decoration: none;
  color: inherit;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.cross-link-card:hover { border-color: var(--primary); box-shadow: 0 2px 12px var(--shadow); }
.cross-link-card h3 { font-size: 1.125rem; margin-bottom: 0.4rem; color: var(--ink); }
.cross-link-card p { font-size: 0.95rem; color: var(--ink-soft); margin: 0; }
@media (max-width: 600px) { .cross-link-grid { grid-template-columns: 1fr; } }

/* SVC BLOCK (personal-insurance hub alternating L/R) */
.svc-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  margin-bottom: 5rem;
}
.svc-block.reverse > :first-child { order: 2; }
.svc-block-img {
  aspect-ratio: 16/9;
  background-size: cover;
  background-position: center;
}
.svc-block-num {
  display: block;
  font-family: var(--ui);
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  color: var(--primary);
  text-transform: uppercase;
  margin-bottom: 0.5rem;
  font-weight: 700;
}
.svc-block h2 { margin-bottom: 1rem; }
.svc-block p { font-size: 1.0625rem; line-height: 1.7; color: var(--ink-soft); margin-bottom: 1rem; }
.svc-block-more {
  font-family: var(--ui);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 700;
  color: var(--primary);
  text-decoration: none;
}
.svc-block-more:hover { color: var(--primary-dark); }
@media (max-width: 800px) {
  .svc-block { grid-template-columns: 1fr; gap: 1.5rem; margin-bottom: 3rem; }
  .svc-block.reverse > :first-child { order: 0; }
}

/* CARRIER STRIP (personal-insurance hub) */
.carrier-strip {
  background: var(--card);
  border: 1px solid var(--rule);
  padding: 2.5rem 2rem;
}
.carrier-strip h3 {
  font-family: var(--ui);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--primary);
  font-weight: 700;
  text-align: center;
  margin-bottom: 1.5rem;
}
.carrier-strip-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}
.carrier-strip-card {
  border: 1px solid var(--accent-pine);
  background: var(--bg);
  padding: 1rem 0.5rem;
  text-align: center;
  font-family: var(--serif);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--ink);
}
.carrier-strip-foot { text-align: center; }
.carrier-strip-foot a {
  font-family: var(--ui);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 700;
  color: var(--primary);
  text-decoration: none;
}
@media (max-width: 760px) { .carrier-strip-grid { grid-template-columns: repeat(2, 1fr); } }

/* CARRIERS PAGE GRID */
.carriers-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin: 3rem 0;
}
.carrier-card {
  background: var(--card);
  border: 1px solid var(--rule);
  padding: 2rem 1.5rem;
}
.carrier-logo {
  border: 1px solid var(--accent-pine);
  background: var(--bg);
  padding: 1.5rem 1rem;
  text-align: center;
  margin-bottom: 1.25rem;
  font-family: var(--serif);
  font-weight: 600;
  font-size: 1.5rem;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.carrier-card h3 { font-size: 1.25rem; margin-bottom: 0.35rem; }
.carrier-card .appointed {
  font-family: var(--ui);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 600;
  color: var(--accent-pine);
  margin-bottom: 0.85rem;
  display: block;
}
.carrier-card p { font-size: 0.98rem; color: var(--ink-soft); margin: 0; line-height: 1.55; }
@media (max-width: 880px) { .carriers-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 580px) { .carriers-grid { grid-template-columns: 1fr; } }

.trust-closer {
  background: var(--primary-dark);
  padding: 4rem 0;
  text-align: center;
  color: var(--bg);
}
.trust-closer blockquote {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(1.5rem, 3vw, 2rem);
  line-height: 1.35;
  max-width: 44rem;
  margin: 0 auto;
  color: var(--bg);
}

/* FILE A CLAIM */
.claim-lead {
  max-width: 44rem;
  margin: 0 auto;
  font-size: 1.25rem;
  line-height: 1.65;
  padding: 4rem 1.5rem 2rem;
}
.claim-lead p { margin-bottom: 1.25rem; }

.claim-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  padding: 3rem 0;
}
.claim-card {
  padding: 2rem;
  border: 1px solid var(--rule);
  background: var(--card);
}
.claim-card.primary {
  background: var(--primary);
  color: var(--bg);
  border-color: var(--primary);
}
.claim-card.primary h3 { color: var(--bg); }
.claim-card.primary p { color: rgba(250, 246, 237, 0.9); }
.claim-card.primary a { color: var(--bg); }
.claim-card.pine {
  background: var(--accent-pine);
  color: var(--bg);
  border-color: var(--accent-pine);
}
.claim-card.pine h3 { color: var(--bg); }
.claim-card.pine p { color: rgba(250, 246, 237, 0.9); }
.claim-card h3 {
  font-family: var(--serif);
  margin-bottom: 0.75rem;
}
.claim-card .big-phone {
  font-family: var(--serif);
  font-style: italic;
  font-size: 2rem;
  font-weight: 500;
  display: block;
  margin: 0.5rem 0 0.5rem;
  text-decoration: none;
  line-height: 1.05;
  color: inherit;
}
.claim-card .smallcaps { display: block; margin-bottom: 0.4rem; color: rgba(250, 246, 237, 0.7); }
.claim-card p { font-size: 0.98rem; line-height: 1.55; margin-bottom: 0.75rem; }
.claim-card ul {
  list-style: none;
  margin-top: 0.85rem;
  border-top: 1px solid rgba(250, 246, 237, 0.2);
  padding-top: 0.85rem;
}
.claim-card.pine ul { border-color: rgba(250, 246, 237, 0.2); }
.claim-card ul li {
  display: flex;
  justify-content: space-between;
  padding: 0.4rem 0;
  font-size: 0.92rem;
  border-bottom: 1px solid rgba(250, 246, 237, 0.15);
}
.claim-card ul li:last-child { border-bottom: 0; }
.claim-card ul li a {
  text-decoration: none;
  font-family: var(--ui);
  font-weight: 600;
  font-size: 0.88rem;
  letter-spacing: 0.02em;
}
@media (max-width: 880px) { .claim-row { grid-template-columns: 1fr; } }

.claim-steps {
  max-width: 50rem;
  margin: 0 auto;
  padding: 4rem 1.5rem;
}
.claim-steps h2 { text-align: center; margin-bottom: 2.5rem; }
.claim-steps ol {
  list-style: none;
  counter-reset: step;
}
.claim-steps li {
  counter-increment: step;
  padding: 1.5rem 0 1.5rem 4rem;
  border-bottom: 1px solid var(--rule);
  position: relative;
  font-size: 1.0625rem;
  line-height: 1.65;
}
.claim-steps li::before {
  content: counter(step);
  position: absolute;
  left: 0;
  top: 1.5rem;
  font-family: var(--serif);
  font-size: 1.75rem;
  font-weight: 600;
  color: var(--primary);
  width: 3rem;
  text-align: center;
}
.claim-steps li:last-child { border-bottom: 0; }

.claim-pullquote {
  text-align: center;
  padding: 3rem 1.5rem;
  border-top: 1px solid var(--rule);
}
.claim-pullquote blockquote {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(1.4rem, 3vw, 1.85rem);
  max-width: 44rem;
  margin: 0 auto;
  color: var(--accent-pine);
  line-height: 1.4;
}

/* GET A QUOTE PAGE */
.quote-explainer {
  max-width: 44rem;
  margin: 0 auto;
  padding: 3rem 1.5rem 1.5rem;
  font-size: 1.0625rem;
  line-height: 1.7;
}
.quote-form-wrap {
  max-width: 36rem;
  margin: 0 auto;
  padding: 1rem 1.5rem 2rem;
}
.quote-form-card {
  background: var(--card);
  border: 1px solid var(--accent-pine);
  padding: 2.5rem 2rem;
}
.quote-form-disclaimer {
  font-style: italic;
  font-size: 0.95rem;
  color: var(--accent-pine);
  text-align: center;
  margin: 2rem auto;
  max-width: 36rem;
  padding: 0 1.5rem;
  line-height: 1.55;
}
.quote-why {
  background: var(--card);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  padding: 4rem 1.5rem;
}
.quote-why-inner {
  max-width: 44rem;
  margin: 0 auto;
}
.quote-why .smallcaps { display: block; margin-bottom: 0.75rem; }
.quote-why h2 { margin-bottom: 1.25rem; }
.quote-why p { font-size: 1.0625rem; line-height: 1.7; color: var(--ink-soft); margin-bottom: 1rem; }

/* CONTACT */
.contact-grid {
  display: grid;
  grid-template-columns: 5fr 4fr;
  gap: 3rem;
  max-width: 72rem;
  margin: 0 auto;
  padding: 4rem 1.5rem;
}
.contact-form-card {
  background: var(--card);
  border: 1px solid var(--rule);
  padding: 2.5rem;
}
.contact-form-card h2 { margin-bottom: 1.25rem; }
.contact-info {
  padding: 2.5rem 0;
}
.contact-info .big-phone {
  font-family: var(--serif);
  font-style: italic;
  font-weight: 500;
  font-size: 2.25rem;
  display: block;
  margin: 0.5rem 0 1.25rem;
  color: var(--ink);
  text-decoration: none;
  line-height: 1.05;
}
.contact-info .big-phone:hover { color: var(--primary); }
.contact-info .label {
  font-family: var(--ui);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--primary);
  font-weight: 700;
  margin: 1.25rem 0 0.4rem;
  display: block;
}
.contact-info .label:first-of-type { margin-top: 0; }
.contact-info p { font-size: 1.0625rem; line-height: 1.6; }
.contact-info a { color: var(--primary); }
.when-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.85rem;
  margin-top: 1rem;
}
.when-card {
  background: var(--card);
  border-left: 2px solid var(--accent-pine);
  padding: 0.85rem 1rem;
}
.when-card strong {
  display: block;
  font-family: var(--ui);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-pine);
  margin-bottom: 0.25rem;
  font-weight: 700;
}
.when-card span { font-size: 0.95rem; color: var(--ink-soft); }
@media (max-width: 800px) {
  .contact-grid { grid-template-columns: 1fr; gap: 2rem; padding: 3rem 1.5rem; }
}
.contact-map-frame {
  width: 100%;
  aspect-ratio: 21/9;
  border: 0;
  display: block;
  filter: saturate(0.9);
}
.info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 3rem;
  max-width: 72rem;
  margin: 0 auto;
  padding: 4rem 1.5rem;
}
.info-grid h3 { font-size: 1.25rem; margin-bottom: 0.5rem; }
.info-grid p { color: var(--ink-soft); }
@media (max-width: 760px) { .info-grid { grid-template-columns: 1fr; gap: 2rem; padding: 3rem 1.5rem; } }

/* ABOUT PAGE CLOSING */
.about-close {
  border-top: 1px solid var(--rule);
  text-align: center;
  padding: 3rem 1.5rem;
  max-width: 44rem;
  margin: 0 auto;
}
.about-close p { margin-bottom: 1rem; color: var(--ink-soft); }
.about-close .btn { margin: 0 0.4rem; }

/* FOOTER */
.footer {
  background: var(--primary-dark);
  color: var(--bg);
  padding: 4rem 0 1.5rem;
}
.footer .wordmark { color: var(--bg); display: inline-block; margin-bottom: 1rem; }
.footer .wordmark-icon { color: var(--rule); }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.2fr;
  gap: 3.5rem;
  margin-bottom: 2.5rem;
}
.footer h3 {
  font-family: var(--ui);
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--rule);
  margin-bottom: 1.25rem;
  font-weight: 700;
}
.footer-mission { color: rgba(250, 246, 237, 0.8); font-size: 0.95rem; line-height: 1.65; margin-bottom: 1rem; }
.footer-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1.25rem;
}
.footer-badge {
  display: inline-block;
  font-family: var(--ui);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 700;
  color: var(--bg);
  padding: 0.4rem 0.7rem;
  border: 1px solid rgba(250, 246, 237, 0.3);
}
.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}
.footer-nav a {
  color: rgba(250, 246, 237, 0.8);
  text-decoration: none;
  font-size: 0.95rem;
  font-family: var(--serif);
}
.footer-nav a:hover { color: var(--bg); }
.footer-nap p { color: rgba(250, 246, 237, 0.85); font-size: 0.95rem; line-height: 1.65; margin-bottom: 0.5rem; }
.footer-nap a { color: rgba(250, 246, 237, 0.95); text-decoration: none; }
.footer-nap em.phone { font-family: var(--serif); font-style: italic; color: var(--bg); }

.footer-compliance {
  border-top: 1px solid rgba(250, 246, 237, 0.18);
  padding-top: 1.25rem;
  margin-top: 1rem;
  font-family: var(--ui);
  font-size: 0.78rem;
  color: rgba(250, 246, 237, 0.7);
  line-height: 1.65;
}
.footer-compliance .lic-num {
  font-family: var(--ui);
  font-weight: 600;
  color: rgba(250, 246, 237, 0.85);
  letter-spacing: 0.02em;
}
.footer-bottom {
  border-top: 1px solid rgba(250, 246, 237, 0.18);
  padding-top: 1.25rem;
  margin-top: 1.25rem;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-family: var(--ui);
  font-size: 0.8rem;
  color: rgba(250, 246, 237, 0.55);
}
.footer-bottom em { font-style: italic; }
@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}

/* FAQ (LOB pages) */
.faq-block { margin: 3rem 0 1rem; }
.faq-block h2 { margin-bottom: 1.5rem; }
.faq-item {
  border-bottom: 1px solid var(--rule);
  padding: 1.25rem 0;
}
.faq-item h3 {
  font-family: var(--serif);
  font-size: 1.125rem;
  color: var(--primary);
  margin-bottom: 0.5rem;
}
.faq-item p {
  font-size: 1.0625rem;
  color: var(--ink);
  line-height: 1.7;
  margin: 0;
}