:root{
  --ink:#14243b; --ink2:#1a1a1a; --txt:#2a2a2a; --mut:#5c5c5c;
  --bg:#ffffff; --cream:#f5efe6; --sage:#eef2ef; --line:#e4ddd3;
  --acc:#14243b; --acc-hover:#1f3555; --gold:#d4a017; --gold-ink:#8a6500; --gold-soft:#fff6e0;
  --r:16px; --shadow:0 8px 28px rgba(20,36,59,.08); --lift:0 12px 32px rgba(20,36,59,.12);
}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--txt);background:var(--bg);padding-bottom:72px}
a{color:var(--ink)}a:hover{color:#1f3555}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.narrow{max-width:640px;padding-top:32px;padding-bottom:48px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
.mockbar{background:var(--gold-soft);color:#5a4300;font-size:13px;text-align:center;padding:6px 12px;border-bottom:1px solid #edd9a0}
h1,h2,h3,.h3{color:var(--ink);line-height:1.15;letter-spacing:-.02em}
h1{font-size:clamp(32px,5.5vw,54px);margin:.15em 0 .35em;font-weight:800}
h2{font-size:clamp(24px,3.2vw,34px)}.h3,h3{font-size:20px;font-weight:700}
header.site{position:sticky;top:0;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);z-index:20}
.hdr{display:flex;align-items:center;gap:16px;min-height:70px;flex-wrap:wrap}
.logo{display:flex;align-items:center;text-decoration:none;margin-right:auto}
.logo-img{display:block;height:46px;width:auto}.logo-img.foot{height:42px;margin-bottom:14px;opacity:.95}
.menu summary{cursor:pointer;padding:8px 14px;border:1.5px solid var(--ink);border-radius:999px;list-style:none;font-weight:700;font-size:14px}
.menu ul{list-style:none;margin:0;padding:8px 0}.menu li a{display:block;padding:10px 4px;text-decoration:none;color:var(--ink);font-weight:500}
.menu a[aria-current]{font-weight:800}.menu[open]{flex-basis:100%;order:3}.hcta{display:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--acc);color:#fff!important;padding:12px 22px;border-radius:999px;text-decoration:none;font-weight:700;border:2px solid var(--acc);cursor:pointer;font-size:16px;transition:transform .15s,background .15s,box-shadow .15s}
.btn:hover{background:var(--acc-hover);transform:translateY(-1px);box-shadow:var(--shadow)}
.btn.ghost{background:transparent;color:var(--ink)!important}.btn.ghost:hover{background:var(--ink);color:#fff!important}
.btn.ghost.light{color:#fff!important;border-color:#fff}.btn.ghost.light:hover{background:#fff;color:var(--ink)!important}
.btn.lg{padding:15px 28px;font-size:17px}
/* Hero */
.hero-visual{position:relative;min-height:520px;display:grid;align-items:end;background:var(--ink);color:#fff;overflow:hidden}
.hero-visual .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.88}
.hero-visual .overlay{position:absolute;inset:0;background:linear-gradient(105deg,rgba(20,36,59,.88) 0%,rgba(20,36,59,.55) 55%,rgba(20,36,59,.25) 100%)}
.hero-visual .wrap{position:relative;z-index:1;padding:48px 20px 56px;max-width:1140px}
.hero-visual .eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.1em;font-size:13px;font-weight:800;margin:0 0 10px}
.hero-visual h1{color:#fff;max-width:720px;text-shadow:0 2px 20px rgba(0,0,0,.35)}
.hero-visual .lede{color:#e8e4dc;font-size:clamp(17px,2vw,20px);max-width:560px;margin:0 0 8px}
.hero-visual .ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:22px}
.hero-visual .ctas .link{color:#fff;font-weight:600}
.hero-badge{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.12);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:8px 14px;margin-bottom:18px;text-decoration:none;color:#fff;font-weight:700;font-size:14px;width:fit-content}
.hero-badge .star{color:var(--gold);letter-spacing:1px}
.hero-badge:hover{background:rgba(255,255,255,.2)}
/* Plain hero (inner pages) */
.hero{background:linear-gradient(165deg,var(--cream),#fff 70%);padding:48px 0 52px;border-bottom:1px solid var(--line)}
.hero .eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:13px;color:var(--gold-ink);font-weight:800}
.lede{font-size:clamp(17px,2.1vw,20px);max-width:720px;color:var(--mut)}.ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:24px}.link{font-weight:700;text-decoration:none;border-bottom:2px solid var(--gold)}
section.wrap{padding-top:48px;padding-bottom:48px}.soft{background:var(--cream);padding:48px 0}.sage{background:var(--sage);padding:48px 0}
.grid{display:grid;gap:18px;grid-template-columns:1fr}
.tile{display:block;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--txt);background:#fff;transition:transform .18s,box-shadow .18s,border-color .18s}
a.tile:hover{transform:translateY(-4px);box-shadow:var(--lift);border-color:#ccc}
.tile h3,.tile h2{margin-top:0;margin-bottom:8px}
.tile .ico{width:44px;height:44px;border-radius:12px;background:var(--cream);display:grid;place-items:center;margin-bottom:14px;color:var(--ink)}
.tile .ico svg{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.75;stroke-linecap:round;stroke-linejoin:round}
.tile.muted{background:var(--sage)}
.tile.shot{padding:0;overflow:hidden}.tile.shot .body{padding:18px 20px}.tile.shot img{width:100%;height:160px;object-fit:cover;display:block}
.two{display:grid;gap:32px}.card{background:var(--cream);border-radius:var(--r);padding:24px;border:1px solid var(--line)}
.steps{list-style:none;padding:0;display:grid;gap:16px;counter-reset:s}
.steps li{background:#fff;border-radius:var(--r);padding:22px;counter-increment:s;border:1px solid var(--line);box-shadow:var(--shadow)}
.steps li:before{content:counter(s);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;font-weight:800;margin-bottom:10px}
.checks{padding-left:0;list-style:none}.checks li{padding:10px 0 10px 28px;position:relative;border-bottom:1px solid var(--line)}.checks li:before{content:"✓";position:absolute;left:0;color:var(--gold-ink);font-weight:800}
.ph{background:var(--gold-soft);border:1px dashed #c99a00;color:#5a4300;padding:10px 12px;border-radius:8px;font-size:15px}.note{font-size:14px;color:var(--mut)}
details{border-bottom:1px solid var(--line);padding:12px 0}details summary{font-weight:700;cursor:pointer;color:var(--ink)}
.band{background:var(--ink);color:#d8d4cc;padding:56px 0;text-align:center}.band h2{color:#fff}.band .btn{margin:6px}
.form label{display:block;font-weight:700;margin-top:14px}.form input:not([type=checkbox]),.form textarea{width:100%;padding:12px;border:1.5px solid #aaa;border-radius:10px;font:inherit}
fieldset{border:1px solid var(--line);border-radius:10px}.chk{display:inline-flex!important;gap:6px;margin-right:14px;font-weight:400!important}.form .btn{margin-top:20px;width:100%}
.links{padding-left:18px}.links li{margin:6px 0}
footer.site{background:var(--ink);color:#c8c4bc;padding:48px 0;margin-top:0}footer a{color:#fff}.fgrid{display:grid;gap:28px}footer ul{list-style:none;padding:0;margin:0}.ft{color:#fff;font-weight:800}address{font-style:normal;line-height:1.7}
.sticky{position:fixed;bottom:0;left:0;right:0;display:grid;grid-template-columns:1fr 1fr 1.5fr;background:#fff;border-top:1px solid var(--line);z-index:30;box-shadow:0 -6px 24px rgba(0,0,0,.1)}
.sticky a{padding:15px 6px;text-align:center;font-weight:800;text-decoration:none;color:var(--ink)}.sticky a.primary{background:var(--ink);color:#fff}
.badge{margin:8px 0 20px}.badge .stars{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;flex-wrap:wrap}
.badge .score{font-size:28px;line-height:1}.badge .star,.review .star{color:var(--gold-ink);letter-spacing:1px}
.badge .count{font-size:16px;font-weight:600;color:var(--mut)}
.reviews{grid-template-columns:1fr}.review{margin:0;box-shadow:var(--shadow)}.review blockquote{margin:8px 0}.review blockquote p{margin:0;font-size:16px}.review figcaption{font-size:14px;color:var(--mut);margin-top:12px}
.page-hero{display:grid;gap:0}.page-hero img{width:100%;height:220px;object-fit:cover;display:block}



@media(min-width:760px){
  .grid{grid-template-columns:repeat(3,1fr)}.two{grid-template-columns:3fr 2fr}
  .steps{grid-template-columns:repeat(3,1fr)}.fgrid{grid-template-columns:2fr 1fr 1fr}
  .reviews{grid-template-columns:repeat(3,1fr)}.logo-img{height:52px}
  .hero-visual{min-height:580px;align-items:center}.hero-visual .wrap{padding:72px 20px}
  .page-hero{grid-template-columns:1.1fr 1fr;align-items:stretch}
  .page-hero img{height:100%;min-height:280px}.page-hero .hero{border:0;padding:48px 40px}
}
@media(min-width:1000px){
  body{padding-bottom:0}.sticky{display:none}.hcta{display:flex;gap:10px}
  .menu{order:0}.menu summary{display:none}.menu>nav{display:block}
  .menu ul{display:flex;gap:16px;padding:0}.menu li a{padding:4px;font-size:15px}
}

.about-photo{position:relative;border-radius:var(--r);overflow:hidden;border:1px solid var(--line);background:var(--cream);margin:0}
.about-photo img{width:100%;height:auto;display:block}
.about-photo figcaption{padding:12px 14px;font-size:14px;font-weight:600;color:var(--mut);text-align:center;background:#fff;border-top:1px solid var(--line)}
.about-photo .stock-tag{display:none}
.meet-agent-grid{display:grid;gap:16px;align-items:center}
.meet-photo{margin:0;border-radius:12px;overflow:hidden;border:1px solid var(--line)}
.meet-photo img{width:100%;height:auto;display:block;aspect-ratio:3/4;object-fit:cover;object-position:center top}
@media(min-width:500px){.meet-agent-grid{grid-template-columns:140px 1fr}}

.carriers h2{text-align:center;margin-bottom:8px}
.carriers .note{text-align:center;margin:0 auto 24px;max-width:520px}

.carrier-strip{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.carrier-strip li{display:flex;align-items:center;justify-content:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 12px;min-height:72px}
.carrier-strip img{max-height:36px;width:auto;max-width:132px;object-fit:contain;display:block}
.cgroup{margin-top:20px}.cgroup-h{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--mut);margin:0 0 10px;text-align:center}
.carrier-more{margin:20px 0 0;text-align:center;border:1px dashed color-mix(in srgb,var(--line) 80%,transparent);border-radius:12px;padding:12px}
.carrier-more span{font-size:.95rem;letter-spacing:.04em;color:var(--mut);font-style:italic}
@media(min-width:600px){.cs-home{grid-template-columns:repeat(5,1fr)}.cs-biz{grid-template-columns:repeat(4,1fr)}}
@media(min-width:900px){.carrier-strip{gap:14px}.carrier-strip li{min-height:76px}.cgroup-row{display:grid;grid-template-columns:2fr 4fr;gap:14px}.cgroup-h{text-align:left}}
.carrier-strip img.tall{max-height:52px;max-width:140px}

.about-story p,.about-family p{max-width:62ch}.about-facts{align-self:start}.about-facts .checks{margin:0 0 16px}
.stars-inline{display:inline-flex;gap:8px;align-items:center;font-weight:700;text-decoration:none;color:var(--ink)}.stars-inline .star{color:var(--gold-ink);letter-spacing:1px}
.steps.compact{display:grid;gap:14px;padding:0;list-style:none;counter-reset:s}.steps.compact li{counter-increment:s}.steps.compact h3{margin:6px 0 4px;font-size:18px}.steps.compact p{margin:0}
.about-family{align-items:center}.about-family .about-photo{max-width:420px;margin:0 auto}
.steps.compact{grid-template-columns:1fr!important}.steps.compact li{padding:16px 18px}
@media(min-width:760px){.about-family.two{grid-template-columns:2fr 3fr}}
.goodtoknow{max-width:72ch}
.prose{max-width:72ch}.prose p{margin:0 0 14px}.intro{max-width:72ch;margin-top:-4px}
.review-band{text-align:center}.review-quote{max-width:760px;margin:0 auto 10px}.review-quote blockquote{margin:8px 0;font-size:20px;line-height:1.5;color:var(--ink)}.review-quote .star{color:var(--gold-ink);letter-spacing:2px}
.quote-card{border-left:4px solid var(--ink)}.quote-card p{max-width:68ch}.disc{max-width:80ch}
.tile p{margin:0 0 10px}