/* TexPro Insurance — 2026 redesign draft. Vanilla CSS, no framework.
   Palette (design-brief.md, confirmed): gold #D4A84B / hover #CB9930 / light #E0BF7B / gold-text #8C6A21,
   navy #070D3A, link blue #254AB8, logo navy #1C3557. Fonts: Playfair Display + Inter (self-hosted, SIL OFL). */
@font-face{font-family:"Inter";src:url("../fonts/Inter.woff2") format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:"Playfair Display";src:url("../fonts/PlayfairDisplay.woff2") format("woff2");font-weight:400 900;font-display:swap}
@font-face{font-family:"Playfair Display";src:url("../fonts/PlayfairDisplay-Italic.woff2") format("woff2");font-weight:400 900;font-style:italic;font-display:swap}
:root{
  --navy:#070D3A;--navy-850:#0B1347;--navy-800:#141D3D;--navy-700:#273B7B;--logo-navy:#1C3557;
  --blue:#254AB8;--gold:#D4A84B;--gold-hover:#CB9930;--gold-light:#E0BF7B;--gold-text:#8C6A21;
  --cream:#FBF8F1;--cream-2:#F5F0E3;--ink:#101633;--muted:#4A5170;--line:#E6E1D3;--line-2:#EFEBE0;
  --on-navy:#DCE1F5;--on-navy-muted:#B4BBDA;
  --r-sm:10px;--r:16px;--r-lg:24px;
  --shadow-sm:0 1px 2px rgba(7,13,58,.06),0 2px 8px rgba(7,13,58,.05);
  --shadow:0 2px 6px rgba(7,13,58,.05),0 18px 40px -12px rgba(7,13,58,.18);
  --shadow-lg:0 30px 80px -20px rgba(7,13,58,.45);
  --ease:cubic-bezier(.2,.7,.2,1);
  --wrap:1240px;--gutter:clamp(20px,4vw,40px);
  --serif:"Playfair Display",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:110px}
body{margin:0;font-family:var(--sans);font-size:16px;line-height:1.65;color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
@media(min-width:900px){body{font-size:17px}}
img,svg{max-width:100%;display:block}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.12;margin:0 0 .45em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2.35rem,5vw,4.1rem)}
h2{font-size:clamp(1.9rem,3.3vw,2.85rem)}
h3{font-size:clamp(1.2rem,1.6vw,1.4rem)}
h4{font-family:var(--sans);font-size:1rem;font-weight:700;letter-spacing:0}
p{margin:0 0 1em}
a{color:var(--blue);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--gold-text);outline-offset:3px;border-radius:6px}
.on-dark :focus-visible,.on-dark:focus-visible{outline-color:var(--gold)}
::selection{background:var(--gold-light);color:var(--navy)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.narrow{max-width:820px}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:8px;z-index:200;background:#fff;color:var(--navy);padding:10px 16px;border-radius:8px;font-weight:700}
.skip:focus{left:12px}

/* ---------- type helpers ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:.6em;font-family:var(--sans);font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;font-weight:700;color:var(--gold-text);margin:0 0 1.1em}
.eyebrow::before{content:"";width:28px;height:1.5px;background:currentColor;opacity:.8}
.on-dark .eyebrow{color:var(--gold)}
.lead{font-size:clamp(1.06rem,1.4vw,1.22rem);color:var(--muted);line-height:1.6}
.on-dark .lead{color:var(--on-navy)}
.accent{font-style:italic;color:var(--gold);font-weight:500}
.accent-dark{font-style:italic;color:var(--gold-text);font-weight:500}
.muted{color:var(--muted)}
.small{font-size:.875rem}

/* ---------- buttons ---------- */
.btn{--h:52px;display:inline-flex;align-items:center;justify-content:center;gap:.55em;min-height:var(--h);padding:0 1.5em;border-radius:999px;font-weight:650;font-size:.98rem;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .25s var(--ease),background .2s,box-shadow .25s,border-color .2s,color .2s;white-space:nowrap;font-family:var(--sans);line-height:1}
.btn svg{width:18px;height:18px;flex:none}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 8px 22px -8px rgba(212,168,75,.65)}
.btn-gold:hover{background:var(--gold-hover);box-shadow:0 12px 28px -8px rgba(203,153,48,.7)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-700)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff;background:rgba(255,255,255,.04)}
.btn-ghost:hover{border-color:var(--gold);background:rgba(255,255,255,.08)}
.btn-line{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-line:hover{background:var(--navy);color:#fff}
.btn-sm{--h:42px;padding:0 1.1em;font-size:.92rem}
.btn-block{width:100%}
.link-arrow{display:inline-flex;align-items:center;gap:.4em;font-weight:650;color:var(--blue);text-decoration:none}
.link-arrow svg{width:16px;height:16px;transition:transform .25s var(--ease)}
.link-arrow:hover svg{transform:translateX(4px)}
.on-dark .link-arrow{color:var(--gold)}

/* ---------- top bar + header ---------- */
.topbar{background:var(--navy);color:var(--on-navy-muted);font-size:.8rem;letter-spacing:.01em}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:38px}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar .tb-left{display:flex;gap:18px;align-items:center}
.topbar .dot{width:4px;height:4px;border-radius:50%;background:var(--gold);display:inline-block}
.topbar .tb-right{display:flex;gap:18px;align-items:center}
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border-bottom:1px solid rgba(7,13,58,.07);transition:box-shadow .3s}
.site-header.scrolled{box-shadow:0 10px 30px -18px rgba(7,13,58,.35)}
.site-header .wrap{display:flex;align-items:center;gap:28px;height:84px;transition:height .3s var(--ease)}
.site-header.scrolled .wrap{height:72px}
.brand{flex:none;display:block}
.brand img{height:54px;width:auto;transition:height .3s var(--ease)}
.site-header.scrolled .brand img{height:46px}
.nav{margin-left:auto}
.nav>ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:4px}
.nav>ul>li{position:relative}
.nav-link{display:inline-flex;align-items:center;gap:6px;padding:10px 12px;border-radius:10px;font-weight:600;font-size:.95rem;color:var(--navy);text-decoration:none;background:none;border:0;cursor:pointer;font-family:var(--sans)}
.nav-link:hover,.nav-link[aria-expanded="true"],.nav-link[aria-current="page"]{background:var(--cream-2);text-decoration:none}
.nav-link[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--gold)}
.nav-link .chev{width:14px;height:14px;transition:transform .25s}
.nav-link[aria-expanded="true"] .chev{transform:rotate(180deg)}
.hdr-actions{display:flex;align-items:center;gap:10px;flex:none}
.hdr-call{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--navy);text-decoration:none;padding:0 14px;min-height:44px;border-radius:999px;border:1.5px solid var(--line);background:#fff;font-size:.95rem}
.hdr-call svg{width:17px;height:17px;color:var(--gold-text)}
.hdr-call:hover{border-color:var(--gold);text-decoration:none}
.menu-toggle{display:none;align-items:center;justify-content:center;width:46px;height:46px;border-radius:12px;border:1.5px solid var(--line);background:#fff;color:var(--navy);cursor:pointer}
.menu-toggle svg{width:22px;height:22px}

/* mega menu */
.mega{position:absolute;top:calc(100% + 12px);left:50%;transform:translate(-50%,8px);background:#fff;border-radius:20px;box-shadow:var(--shadow-lg);border:1px solid var(--line-2);padding:14px;display:grid;grid-template-columns:1fr 260px;gap:14px;width:min(760px,92vw);opacity:0;visibility:hidden;transition:opacity .22s,transform .25s var(--ease),visibility .22s}
.mega.simple{grid-template-columns:1fr;width:280px}
.mega::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
.nav li.open>.mega,.nav li:hover>.mega,.nav li:focus-within>.mega{opacity:1;visibility:visible;transform:translate(-50%,0)}
.mega ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:2px}
.mega.simple ul{grid-template-columns:1fr}
.mega a.mi{display:flex;gap:12px;align-items:flex-start;padding:12px;border-radius:12px;text-decoration:none;color:var(--ink)}
.mega a.mi:hover{background:var(--cream)}
.mi .ic{flex:none;width:38px;height:38px;border-radius:10px;background:var(--cream-2);color:var(--navy);display:grid;place-items:center;transition:background .2s,color .2s}
.mi .ic svg{width:20px;height:20px}
.mega a.mi:hover .ic{background:var(--navy);color:var(--gold)}
.mi strong{display:block;font-size:.95rem;color:var(--navy);line-height:1.3}
.mi span.d{display:block;font-size:.82rem;color:var(--muted);line-height:1.4;margin-top:2px}
.mega-aside{background:var(--navy);color:var(--on-navy);border-radius:14px;padding:22px;position:relative;overflow:hidden;display:flex;flex-direction:column;justify-content:space-between}
.mega-aside h3{color:#fff;font-size:1.25rem}
.mega-aside p{font-size:.88rem;margin-bottom:14px}
.mega-aside .star-wm{position:absolute;right:-30px;bottom:-30px;width:150px;opacity:.12;color:var(--gold)}
.mega-aside .all{color:var(--gold);font-weight:700;text-decoration:none;font-size:.9rem}

/* mobile drawer */
.drawer{position:fixed;inset:0;z-index:100;background:rgba(7,13,58,.5);opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s}
.drawer.open{opacity:1;visibility:visible}
.drawer-panel{position:absolute;top:0;right:0;bottom:0;width:min(420px,100%);background:#fff;transform:translateX(100%);transition:transform .35s var(--ease);display:flex;flex-direction:column;overflow-y:auto}
.drawer.open .drawer-panel{transform:none}
.drawer-head{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;border-bottom:1px solid var(--line-2)}
.drawer-head img{height:40px;width:auto}
.drawer nav{padding:8px 20px}
.drawer details{border-bottom:1px solid var(--line-2)}
.drawer summary,.drawer .dl{display:flex;justify-content:space-between;align-items:center;padding:16px 0;font-weight:650;color:var(--navy);list-style:none;cursor:pointer;text-decoration:none;font-size:1.05rem}
.drawer summary::-webkit-details-marker{display:none}
.drawer .dl{border-bottom:1px solid var(--line-2)}
.drawer details ul{list-style:none;margin:0 0 12px;padding:0}
.drawer details a{display:block;padding:9px 12px;color:var(--ink);text-decoration:none;border-radius:8px}
.drawer details a:hover{background:var(--cream)}
.drawer-foot{margin-top:auto;padding:20px;display:grid;gap:10px;background:var(--cream)}

/* mobile action bar */
.action-bar{display:none}

/* ---------- sections ---------- */
.section{padding:clamp(72px,9vw,120px) 0;position:relative}
.section.tight{padding:clamp(56px,6vw,80px) 0}
.bg-white{background:#fff}
.bg-cream2{background:var(--cream-2)}
.bg-navy{background:var(--navy);color:var(--on-navy)}
.bg-navy h2,.bg-navy h3{color:#fff}
.sec-head{max-width:760px;margin-bottom:clamp(36px,4vw,56px)}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head.center .eyebrow{justify-content:center}
.sec-head.split{max-width:none;display:flex;justify-content:space-between;align-items:flex-end;gap:32px;flex-wrap:wrap}
.sec-head.split>div{max-width:680px}
.sec-head p{margin-bottom:0}

/* ---------- home hero ---------- */
.hero{position:relative;overflow:hidden;color:#fff;background:
  radial-gradient(900px 520px at 88% 8%,rgba(212,168,75,.20),transparent 60%),
  radial-gradient(700px 500px at -5% 110%,rgba(37,74,184,.35),transparent 60%),
  linear-gradient(165deg,#050A2E 0%,var(--navy) 40%,#121C55 100%);
  padding:clamp(64px,8vw,104px) 0 clamp(150px,15vw,210px)}
.hero .stars{position:absolute;inset:0;pointer-events:none;opacity:.6}
.hero .star-wm{position:absolute;right:-6%;top:-12%;width:min(720px,70vw);color:var(--gold);opacity:.07;pointer-events:none;animation:spin 140s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.hero .skyline{position:absolute;left:0;right:0;bottom:0;height:auto;width:100%;pointer-events:none;color:var(--gold)}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:clamp(36px,5vw,72px);align-items:center}
.hero h1{color:#fff;font-size:clamp(2.6rem,5.6vw,4.6rem);line-height:1.04;letter-spacing:-.02em;margin-bottom:.4em}
.hero h1 .accent{display:inline-block;position:relative}
.hero h1 .accent::after{content:"";position:absolute;left:2%;right:2%;bottom:.02em;height:.09em;background:linear-gradient(90deg,var(--gold),rgba(212,168,75,0));border-radius:2px;transform-origin:left;animation:underline 1.4s .6s var(--ease) both}
@keyframes underline{from{transform:scaleX(0)}to{transform:scaleX(1)}}
.hero .lead{max-width:590px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 34px}
.proof{display:flex;flex-wrap:wrap;gap:10px;list-style:none;margin:0;padding:0}
.proof li{display:inline-flex;align-items:center;gap:8px;padding:8px 14px 8px 10px;border-radius:999px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);font-size:.86rem;color:var(--on-navy)}
.proof svg{width:16px;height:16px;color:var(--gold)}
/* quote starter card */
.qcard{position:relative;background:#fff;color:var(--ink);border-radius:var(--r-lg);padding:30px;box-shadow:var(--shadow-lg)}
.qcard::before{content:"";position:absolute;inset:-1px;border-radius:inherit;padding:1px;background:linear-gradient(160deg,var(--gold),rgba(212,168,75,0) 45%);-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none}
.qcard .qc-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:4px}
.qcard h2{font-size:1.55rem;margin:0}
.qcard .badge-live{display:inline-flex;align-items:center;gap:6px;font-size:.74rem;font-weight:700;color:#14632F;background:#E7F5EC;border-radius:999px;padding:4px 10px;white-space:nowrap}
.qcard .badge-live i{width:7px;height:7px;border-radius:50%;background:#1F9D4C;box-shadow:0 0 0 3px rgba(31,157,76,.2)}
.qcard p.sub{color:var(--muted);font-size:.93rem;margin:.4em 0 18px}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px}
.tile{display:flex;flex-direction:column;align-items:center;gap:8px;padding:16px 6px 14px;border-radius:14px;border:1.5px solid var(--line);background:var(--cream);text-decoration:none;color:var(--navy);font-weight:650;font-size:.88rem;transition:border-color .2s,background .2s,transform .25s var(--ease),box-shadow .25s}
.tile svg{width:28px;height:28px;color:var(--navy);transition:color .2s}
.tile:hover{border-color:var(--gold);background:#fff;transform:translateY(-2px);box-shadow:var(--shadow-sm);text-decoration:none}
.tile:hover svg{color:var(--gold-text)}
.qcard .fine{display:block;text-align:center;color:var(--muted);font-size:.8rem;margin-top:12px}
.qcard .or{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:.82rem;margin:12px 0}
.qcard .or::before,.qcard .or::after{content:"";flex:1;height:1px;background:var(--line)}
.qcard .callrow{display:flex;align-items:center;justify-content:center;gap:10px;font-weight:700;color:var(--navy);text-decoration:none;font-size:1.05rem}
.qcard .callrow svg{width:18px;height:18px;color:var(--gold-text)}

/* trust strip */
.trust{position:relative;z-index:2;margin-top:-64px}
.trust-inner{background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:26px 26px;display:flex;gap:14px;align-items:flex-start;border-right:1px solid var(--line-2)}
.trust-item:last-child{border-right:0}
.trust-item .ic{flex:none;width:44px;height:44px;border-radius:12px;background:var(--navy);color:var(--gold);display:grid;place-items:center}
.trust-item .ic svg{width:22px;height:22px}
.trust-item strong{display:block;color:var(--navy);font-size:1rem;line-height:1.3;margin-bottom:2px}
.trust-item span{font-size:.86rem;color:var(--muted);line-height:1.45;display:block}

/* coverage bento */
.bento{display:grid;grid-template-columns:1.25fr 1fr;grid-template-rows:auto auto;gap:22px}
.cov-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(26px,3vw,36px);overflow:hidden;transition:box-shadow .3s,transform .3s var(--ease)}
.cov-card:hover{box-shadow:var(--shadow)}
.cov-card.big{grid-row:span 2;background:var(--navy);border-color:var(--navy);color:var(--on-navy)}
.cov-card.big h3{color:#fff}
.cov-card .head{display:flex;align-items:center;gap:14px;margin-bottom:6px}
.cov-card .head .ic{width:50px;height:50px;border-radius:14px;background:var(--cream-2);color:var(--navy);display:grid;place-items:center;flex:none}
.cov-card.big .head .ic{background:rgba(212,168,75,.14);color:var(--gold)}
.cov-card .head .ic svg{width:26px;height:26px}
.cov-card h3{font-size:1.65rem;margin:0}
.cov-card p.desc{color:var(--muted);margin:10px 0 18px;font-size:.98rem}
.cov-card.big p.desc{color:var(--on-navy-muted)}
.cov-list{list-style:none;padding:0;margin:0 0 20px;display:grid;grid-template-columns:1fr 1fr;gap:0 24px}
.cov-card:not(.big) .cov-list{grid-template-columns:1fr 1fr}
.cov-list a{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:13px 2px;border-bottom:1px solid var(--line-2);text-decoration:none;color:var(--ink);font-weight:550;font-size:.97rem;transition:color .2s,padding .25s var(--ease)}
.cov-card.big .cov-list a{color:#fff;border-color:rgba(255,255,255,.1)}
.cov-list a svg{width:16px;height:16px;color:var(--gold-text);flex:none;transition:transform .25s var(--ease)}
.cov-card.big .cov-list a svg{color:var(--gold)}
.cov-list a:hover{padding-left:6px;color:var(--blue)}
.cov-card.big .cov-list a:hover{color:var(--gold-light)}
.cov-list a:hover svg{transform:translateX(3px)}
.cov-card .star-wm{position:absolute;right:-60px;bottom:-60px;width:260px;color:var(--gold);opacity:.08;pointer-events:none}
.cov-card.gold-edge{border-color:transparent;background:linear-gradient(#fff,#fff) padding-box,linear-gradient(140deg,var(--gold),var(--line) 50%) border-box;border:1.5px solid transparent}

/* steps */
.steps3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;position:relative;counter-reset:st}
.steps3::before{content:"";position:absolute;top:38px;left:calc(16.6% + 10px);right:calc(16.6% + 10px);height:2px;background:repeating-linear-gradient(90deg,var(--gold) 0 8px,transparent 8px 16px);opacity:.55}
.step{position:relative;text-align:center;padding:0 10px}
.step .num{position:relative;z-index:1;width:76px;height:76px;margin:0 auto 22px;border-radius:50%;background:#fff;border:1.5px solid var(--gold);display:grid;place-items:center;font-family:var(--serif);font-size:1.7rem;font-weight:600;color:var(--navy);box-shadow:0 0 0 8px var(--cream)}
.bg-white .step .num{box-shadow:0 0 0 8px #fff}
.step h3{margin-bottom:.35em}
.step p{color:var(--muted);margin:0 auto;max-width:330px}

/* independent diagram */
.indep{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,6vw,88px);align-items:center}
.diagram{position:relative;aspect-ratio:1/1;max-width:520px;width:100%;margin:0 auto}
.diagram svg{width:100%;height:100%}
.checks{list-style:none;padding:0;margin:24px 0 30px;display:grid;gap:14px}
.checks li{display:flex;gap:14px;align-items:flex-start}
.checks .ck{flex:none;width:28px;height:28px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-top:1px}
.checks .ck svg{width:15px;height:15px}
.checks strong{color:var(--navy);display:block}
.checks span{color:var(--muted);font-size:.96rem}
.on-dark .checks strong{color:#fff}.on-dark .checks span{color:var(--on-navy-muted)}
.on-dark .checks .ck{background:var(--gold);color:var(--navy)}

/* team */
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.tm{position:relative;border-radius:var(--r-lg);overflow:hidden;background:var(--navy);color:#fff;text-decoration:none;display:block;isolation:isolate}
.tm img{width:100%;aspect-ratio:4/5;object-fit:cover;transition:transform .8s var(--ease)}
.tm:hover img{transform:scale(1.04)}
.tm .cap{position:absolute;left:0;right:0;bottom:0;padding:60px 20px 20px;background:linear-gradient(180deg,rgba(7,13,58,0),rgba(7,13,58,.92) 55%)}
.tm .cap strong{display:block;font-family:var(--serif);font-size:1.3rem;font-weight:600;color:#fff;line-height:1.2}
.tm .cap span{display:block;font-size:.85rem;color:var(--gold-light);font-weight:600;margin-top:2px}
.tm .cap .pending{display:inline-block;border:1.5px dashed var(--gold);color:var(--gold);border-radius:6px;padding:1px 8px;font-size:.78rem;margin-top:6px}

/* testimonials */
.testi{position:relative;overflow:hidden}
.testi .star-wm{position:absolute;left:-120px;top:-100px;width:520px;color:var(--gold);opacity:.05}
.t-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:22px;position:relative}
.t-card{margin:0;border-radius:var(--r-lg);padding:clamp(26px,3vw,40px);background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);display:flex;flex-direction:column;justify-content:space-between;gap:24px}
.t-card.feature{grid-row:span 2;background:linear-gradient(160deg,rgba(212,168,75,.16),rgba(255,255,255,.03) 60%);border-color:rgba(212,168,75,.35)}
.t-card blockquote{margin:0;font-family:var(--serif);font-size:clamp(1.15rem,1.6vw,1.4rem);line-height:1.45;color:#fff}
.t-card.feature blockquote{font-size:clamp(1.5rem,2.5vw,2.15rem);line-height:1.3}
.t-card .qm{font-family:var(--serif);font-size:4.5rem;line-height:.6;color:var(--gold);height:30px;display:block}
.t-card figcaption{display:flex;align-items:center;gap:12px;font-weight:700;color:var(--gold)}
.t-card figcaption .av{width:42px;height:42px;border-radius:50%;background:rgba(212,168,75,.15);color:var(--gold);display:grid;place-items:center;font-family:var(--serif);font-size:1.05rem}
.t-card figcaption small{display:block;font-weight:500;color:var(--on-navy-muted);font-size:.8rem}
.t-note{margin-top:26px;color:var(--on-navy-muted);font-size:.88rem;display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.t-ph{border:2px dashed rgba(212,168,75,.55);border-radius:var(--r-lg);padding:24px;color:var(--gold-light);display:flex;align-items:center;justify-content:center;text-align:center;font-size:.92rem;min-height:120px}

/* owner */
.owner{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(36px,6vw,90px);align-items:center}
.portrait{position:relative}
.portrait img{border-radius:var(--r-lg);width:100%;aspect-ratio:4/5;object-fit:cover;box-shadow:var(--shadow)}
.portrait::before{content:"";position:absolute;inset:22px -22px -22px 22px;border:1.5px solid var(--gold);border-radius:var(--r-lg);z-index:-1}
.portrait .lic{position:absolute;left:-18px;bottom:28px;background:#fff;border-radius:14px;padding:12px 16px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:center}
.portrait .lic img{width:38px;height:38px;box-shadow:none;border-radius:0;aspect-ratio:auto}
.portrait .lic strong{display:block;font-size:.88rem;color:var(--navy);line-height:1.2}
.portrait .lic span{font-size:.78rem;color:var(--muted)}
.pull{font-family:var(--serif);font-size:clamp(1.35rem,2.2vw,1.85rem);line-height:1.38;color:var(--navy);font-weight:500;margin:0 0 24px;position:relative;padding-left:28px;border-left:3px solid var(--gold)}
.pull em{color:var(--gold-text)}
.facts{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 28px;padding:0;list-style:none}
.facts li{padding:8px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:.86rem;font-weight:550;color:var(--navy)}

/* FAQ */
.faq{max-width:880px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;margin-bottom:12px;transition:box-shadow .25s,border-color .25s}
.faq details[open]{box-shadow:var(--shadow-sm);border-color:#DCD3BC}
.faq summary{list-style:none;cursor:pointer;padding:20px 24px;font-weight:650;color:var(--navy);font-size:1.04rem;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pm{flex:none;width:30px;height:30px;border-radius:50%;background:var(--cream-2);display:grid;place-items:center;transition:transform .3s var(--ease),background .2s}
.faq summary .pm svg{width:14px;height:14px}
.faq details[open] summary .pm{transform:rotate(45deg);background:var(--gold)}
.faq .ans{padding:0 24px 22px;color:var(--muted)}
.faq .ans p:last-child{margin:0}

/* CTA band */
.cta-band{position:relative;overflow:hidden;background:linear-gradient(115deg,var(--gold) 0%,var(--gold-light) 55%,#EBD3A1 100%);color:var(--navy);padding:clamp(56px,7vw,88px) 0}
.cta-band .star-wm{position:absolute;right:-80px;top:50%;transform:translateY(-50%);width:440px;color:var(--navy);opacity:.07}
.cta-band .wrap{position:relative;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta-band h2{margin:0 0 .25em;color:var(--navy)}
.cta-band p{margin:0;font-weight:500;color:var(--navy);max-width:560px}
.cta-band .acts{display:flex;gap:12px;flex-wrap:wrap}
.cta-band .fine{display:block;font-size:.82rem;margin-top:10px;opacity:.85}

/* ---------- inner page hero ---------- */
.phero{position:relative;overflow:hidden;color:#fff;background:
  radial-gradient(800px 420px at 92% 0%,rgba(212,168,75,.18),transparent 60%),
  linear-gradient(165deg,#050A2E 0%,var(--navy) 50%,#131D58 100%);padding:clamp(40px,5vw,64px) 0 clamp(64px,8vw,104px)}
.phero .star-wm{position:absolute;right:-140px;top:-160px;width:560px;color:var(--gold);opacity:.07;pointer-events:none}
.phero .stars{position:absolute;inset:0;opacity:.5;pointer-events:none}
.phero h1{color:#fff;max-width:860px}
.phero .lead{max-width:680px}
.phero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.phero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.7fr);gap:clamp(32px,5vw,72px);align-items:end}
.crumbs{position:relative;font-size:.84rem;color:var(--on-navy-muted);margin-bottom:clamp(28px,4vw,48px)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0}
.crumbs li{display:flex;align-items:center;gap:8px}
.crumbs li+li::before{content:"/";opacity:.5}
.crumbs a{color:var(--on-navy);text-decoration:none}
.crumbs a:hover{color:var(--gold);text-decoration:underline}
.crumbs [aria-current]{color:var(--gold)}
.glance{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--r-lg);padding:26px;backdrop-filter:blur(6px)}
.glance h2{font-family:var(--sans);font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:14px}
.glance ul{list-style:none;margin:0 0 18px;padding:0;display:grid;gap:10px}
.glance li{display:flex;gap:10px;align-items:flex-start;font-size:.95rem;color:#fff}
.glance li svg{width:18px;height:18px;color:var(--gold);flex:none;margin-top:3px}
.glance .fine{font-size:.78rem;color:var(--on-navy-muted);margin:12px 0 0;text-align:center}

/* LOB content */
.covers{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cv{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;transition:transform .3s var(--ease),box-shadow .3s,border-color .3s;position:relative}
.cv:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#DDD3BA}
.cv .n{font-family:var(--serif);color:var(--gold-text);font-size:.95rem;font-weight:600;letter-spacing:.05em}
.cv h3{font-size:1.2rem;margin:.5em 0 .4em}
.cv p{color:var(--muted);margin:0;font-size:.95rem}
.cv .tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:3px 8px;border-radius:6px;background:var(--cream-2);color:var(--gold-text);margin-left:6px;vertical-align:middle}
.policy-note{margin-top:22px;font-size:.88rem;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
.policy-note svg{width:18px;height:18px;flex:none;color:var(--gold-text);margin-top:2px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,56px);align-items:start}
.who-list{list-style:none;padding:0;margin:0;display:grid;gap:2px}
.who-list li{display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--line)}
.who-list li svg{width:20px;height:20px;color:var(--gold-text);flex:none;margin-top:3px}
.tx-card{position:relative;overflow:hidden;background:var(--navy);color:var(--on-navy);border-radius:var(--r-lg);padding:clamp(28px,3vw,40px)}
.tx-card h3{color:#fff;font-size:1.6rem}
.tx-card .tx-ic{width:54px;height:54px;color:var(--gold);margin-bottom:16px}
.tx-card ul{padding-left:1.1em;margin:0 0 1em}
.tx-card li{margin-bottom:.6em}
.tx-card li::marker{color:var(--gold)}
.tx-card .src{font-size:.8rem;color:var(--on-navy-muted);border-top:1px solid rgba(255,255,255,.12);padding-top:12px;margin-top:16px}
.tx-card .src a{color:var(--gold-light)}
.tx-card .star-wm{position:absolute;right:-70px;bottom:-70px;width:240px;color:var(--gold);opacity:.08}
.helps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.help{padding:28px;border-radius:var(--r);background:var(--cream);border:1px solid var(--line)}
.help .ic{width:48px;height:48px;border-radius:14px;background:var(--navy);color:var(--gold);display:grid;place-items:center;margin-bottom:18px}
.help .ic svg{width:24px;height:24px}
.help p{color:var(--muted);margin:0;font-size:.96rem}
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rel{display:flex;flex-direction:column;gap:10px;padding:24px;border-radius:var(--r);background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink);transition:transform .3s var(--ease),box-shadow .3s,border-color .3s}
.rel:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold);text-decoration:none}
.rel .ic{width:44px;height:44px;border-radius:12px;background:var(--cream-2);color:var(--navy);display:grid;place-items:center}
.rel .ic svg{width:22px;height:22px}
.rel strong{font-family:var(--serif);font-size:1.2rem;color:var(--navy);font-weight:600}
.rel span{color:var(--muted);font-size:.92rem}
.rel .go{margin-top:auto;font-weight:650;color:var(--blue);font-size:.9rem;display:flex;align-items:center;gap:6px}
.rel .go svg{width:15px;height:15px}

/* article cards */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.post{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .3s var(--ease),box-shadow .3s}
.post:hover{transform:translateY(-4px);box-shadow:var(--shadow);text-decoration:none}
.post .art{position:relative;aspect-ratio:16/8.5;background:linear-gradient(140deg,var(--navy),#1B2A6B);display:grid;place-items:center;overflow:hidden;color:var(--gold)}
.post .art.c-home{background:linear-gradient(140deg,#0B1347,#273B7B)}
.post .art.c-auto{background:linear-gradient(140deg,#141D3D,#1C3557)}
.post .art.c-biz{background:linear-gradient(140deg,#070D3A,#2B2F63)}
.post .art.c-agency{background:linear-gradient(140deg,#1C3557,#070D3A)}
.post .art svg.big{width:64px;height:64px;position:relative;z-index:1}
.post .art .ring{position:absolute;width:180px;height:180px;border-radius:50%;border:1px solid rgba(212,168,75,.3)}
.post .art .ring.r2{width:280px;height:280px;border-color:rgba(212,168,75,.15)}
.post .body{padding:22px 22px 24px;display:flex;flex-direction:column;gap:10px;flex:1}
.post .meta{display:flex;gap:10px;align-items:center;font-size:.78rem;color:var(--muted);font-weight:600;letter-spacing:.02em}
.post .cat{color:var(--gold-text);text-transform:uppercase;letter-spacing:.12em;font-weight:700}
.post h3{font-size:1.18rem;line-height:1.3;margin:0}
.post .go{margin-top:auto;padding-top:8px;font-weight:650;color:var(--blue);font-size:.9rem;display:flex;align-items:center;gap:6px}
.post .go svg{width:14px;height:14px}
.post.featured{grid-column:span 3;flex-direction:row}
.post.featured .art{aspect-ratio:auto;flex:0 0 46%;min-height:320px}
.post.featured .art svg.big{width:96px;height:96px}
.post.featured .body{padding:clamp(28px,4vw,48px);justify-content:center}
.post.featured h3{font-size:clamp(1.5rem,2.4vw,2.1rem)}
.filters{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:30px}
.chip{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:9px 16px;font-weight:650;font-size:.9rem;color:var(--navy);cursor:pointer;font-family:var(--sans)}
.chip[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.post[hidden]{display:none}

/* line cards on hubs */
.lines{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.line{position:relative;display:flex;flex-direction:column;gap:12px;padding:28px;border-radius:var(--r-lg);background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink);overflow:hidden;transition:transform .35s var(--ease),box-shadow .35s,border-color .35s}
.line:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--gold);text-decoration:none}
.line .ic{width:56px;height:56px;border-radius:16px;background:var(--navy);color:var(--gold);display:grid;place-items:center;transition:transform .35s var(--ease)}
.line:hover .ic{transform:rotate(-6deg) scale(1.05)}
.line .ic svg{width:28px;height:28px}
.line h3{margin:4px 0 0;font-size:1.4rem}
.line p{color:var(--muted);margin:0;font-size:.95rem}
.line .go{margin-top:auto;padding-top:6px;font-weight:650;color:var(--blue);display:flex;align-items:center;gap:6px;font-size:.92rem}
.line .go svg{width:15px;height:15px;transition:transform .25s}
.line:hover .go svg{transform:translateX(4px)}
.line.feature{background:var(--navy);border-color:var(--navy);color:var(--on-navy)}
.line.feature h3{color:#fff}.line.feature p{color:var(--on-navy-muted)}.line.feature .go{color:var(--gold)}
.line.feature .ic{background:var(--gold);color:var(--navy)}
.industries{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.industries li{display:inline-flex;align-items:center;gap:8px;padding:12px 18px;border-radius:999px;background:#fff;border:1px solid var(--line);font-weight:600;color:var(--navy);font-size:.95rem}
.industries li svg{width:18px;height:18px;color:var(--gold-text)}

/* team page */
.people{display:grid;gap:28px}
.person{display:grid;grid-template-columns:320px 1fr;gap:clamp(28px,4vw,56px);align-items:start;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(20px,2.5vw,32px)}
.person:nth-child(even){grid-template-columns:1fr 320px}
.person:nth-child(even) .ph-wrap{order:2}
.person .ph-wrap{position:relative}
.person img{width:100%;aspect-ratio:4/5;object-fit:cover;border-radius:18px}
.person h2{font-size:clamp(1.8rem,2.6vw,2.3rem);margin-bottom:.15em}
.person .role{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-bottom:18px}
.person .title{font-weight:700;color:var(--gold-text);letter-spacing:.06em;text-transform:uppercase;font-size:.85rem}
.person .lic{font-size:.8rem;font-weight:650;color:var(--navy);background:var(--cream-2);border-radius:999px;padding:4px 12px}
.person .pending{border:1.5px dashed var(--gold-text);color:var(--gold-text);border-radius:6px;padding:2px 10px;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em}
.person .bio p{color:var(--muted)}
.person .bio p:first-child{color:var(--ink);font-size:1.06rem}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:28px;align-items:stretch}
.nap{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(26px,3vw,40px)}
.nap dl,.nap .nap-list{margin:0;display:grid;gap:22px}
.nap .row{display:flex;gap:16px;align-items:flex-start}
.nap .row .ic{flex:none;width:46px;height:46px;border-radius:14px;background:var(--navy);color:var(--gold);display:grid;place-items:center}
.nap .row .ic svg{width:22px;height:22px}
.nap dt,.nap .dt{margin:0;font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--gold-text)}
.nap dd,.nap .dd{margin:2px 0 0;font-size:1.08rem;color:var(--navy);font-weight:600;overflow-wrap:anywhere}
.nap dd a,.nap .dd a{color:var(--navy);text-decoration-color:var(--gold)}
.hours{width:100%;border-collapse:collapse;font-size:.95rem;margin-top:4px}
.hours td{padding:5px 0;color:var(--ink);font-weight:500}
.hours td:last-child{text-align:right;color:var(--muted)}
.map{position:relative;border-radius:var(--r-lg);overflow:hidden;background:#EAE6DA;min-height:440px;border:1px solid var(--line)}
.map svg{position:absolute;inset:0;width:100%;height:100%}
.map .pin-card{position:absolute;left:24px;bottom:24px;right:24px;max-width:360px;background:#fff;border-radius:16px;padding:16px 18px;box-shadow:var(--shadow);display:flex;gap:14px;align-items:center}
.map .pin-card img{width:44px;height:44px}
.map .pin-card strong{display:block;color:var(--navy);line-height:1.25}
.map .pin-card span{font-size:.85rem;color:var(--muted)}

/* free quote */
.fq-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:32px;align-items:start}
.form-shell{background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow);border:1px solid var(--line);overflow:hidden}
.form-shell .fs-head{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 24px;border-bottom:1px solid var(--line-2);background:var(--cream)}
.form-shell .fs-head strong{color:var(--navy);display:flex;align-items:center;gap:10px}
.form-shell .fs-head svg{width:18px;height:18px;color:var(--gold-text)}
.form-shell .fs-head span{font-size:.82rem;color:var(--muted)}
.form-shell iframe{display:block;width:100%;height:1500px;border:0;background:#fff}
.form-shell .fs-foot{padding:14px 24px;border-top:1px solid var(--line-2);font-size:.85rem;color:var(--muted);background:var(--cream)}
.side-stack{display:grid;gap:18px;position:sticky;top:100px}
.side-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.side-card.navy{background:var(--navy);border-color:var(--navy);color:var(--on-navy)}
.side-card.navy h3{color:#fff}
.side-card h3{font-size:1.2rem}
.side-card ol{padding-left:1.2em;margin:0;color:var(--muted)}
.side-card.navy ol{color:var(--on-navy)}
.side-card li{margin-bottom:.5em}
.side-card .big-tel{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--gold);text-decoration:none;margin:4px 0 6px}

/* prose / legal */
.prose{max-width:780px}
.prose h2{font-size:1.6rem;margin-top:1.6em}
.prose h3{font-size:1.2rem;margin-top:1.4em}
.prose p,.prose li{color:#2A3050}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.5em}
.legal-meta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:28px}
.legal-meta span{font-size:.82rem;font-weight:650;padding:6px 12px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--navy)}
.toc{position:sticky;top:110px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px}
.toc h2{font-family:var(--sans);font-size:.75rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-text);margin-bottom:10px}
.toc ol{margin:0;padding-left:1.1em;font-size:.9rem}
.toc li{margin:.35em 0}
.toc a{color:var(--navy);text-decoration:none}
.toc a:hover{color:var(--blue);text-decoration:underline}
.legal-grid{display:grid;grid-template-columns:240px minmax(0,1fr);gap:56px;align-items:start}
.callout{border-radius:var(--r);padding:20px 22px;background:#fff;border-left:4px solid var(--gold);box-shadow:var(--shadow-sm);margin:1.4em 0}

/* about */
.mission{position:relative;text-align:center;max-width:980px;margin:0 auto}
.mission blockquote{margin:0;font-family:var(--serif);font-size:clamp(1.6rem,3.2vw,2.6rem);line-height:1.3;color:#fff;font-weight:500}
.mission blockquote em{color:var(--gold)}
.mission cite{display:block;margin-top:22px;font-style:normal;color:var(--gold);font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:.82rem}
.problems{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.problem{display:flex;gap:16px;align-items:flex-start;padding:22px 24px;border-radius:var(--r);background:#fff;border:1px solid var(--line)}
.problem .q{flex:none;width:40px;height:40px;border-radius:50%;background:var(--cream-2);color:var(--gold-text);display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1.2rem}
.problem strong{display:block;color:var(--navy);font-size:1.05rem;margin-bottom:2px}
.problem span{color:var(--muted);font-size:.94rem}
.split-img{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,72px);align-items:center}

/* photo placeholder (needs real photo) */
.photo-ph{position:relative;border-radius:var(--r-lg);background:
  repeating-linear-gradient(135deg,rgba(212,168,75,.10) 0 14px,transparent 14px 28px),linear-gradient(160deg,#0B1347,#1C3557);aspect-ratio:4/3;display:grid;place-items:center;text-align:center;color:var(--gold-light);padding:24px;overflow:hidden}
.photo-ph svg{width:48px;height:48px;margin:0 auto 10px;color:var(--gold)}
.photo-ph p{margin:0;font-weight:600;font-size:.92rem}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:var(--on-navy-muted);padding:clamp(64px,7vw,96px) 0 28px;font-size:.93rem;position:relative;overflow:hidden}
.site-footer .star-wm{position:absolute;right:-120px;top:-120px;width:460px;color:var(--gold);opacity:.04}
.f-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;position:relative}
.f-plate{display:inline-block;background:#fff;border-radius:14px;padding:12px 16px;margin-bottom:20px}
.f-plate img{height:56px;width:auto}
.site-footer h2{font-family:var(--sans);color:#fff;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;font-weight:700;margin-bottom:16px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:9px 0}
.site-footer a{color:#E4E8F8;text-decoration:none}
.site-footer a:hover{color:var(--gold);text-decoration:underline}
.f-contact{display:grid;gap:8px;margin-bottom:20px}
.f-contact a,.f-contact span{display:flex;gap:10px;align-items:flex-start}
.f-contact svg{width:17px;height:17px;color:var(--gold);flex:none;margin-top:4px}
.f-tel{font-family:var(--serif);font-size:1.5rem;color:#fff!important;font-weight:600}
.f-cta{display:flex;gap:10px;flex-wrap:wrap}
.f-legal{position:relative;border-top:1px solid rgba(255,255,255,.12);margin-top:52px;padding-top:26px;font-size:.82rem;line-height:1.65;color:#B9C0DE}
.f-legal p{margin:0 0 .7em}
.f-legal strong{color:#fff}
.f-legal a{color:#fff;text-decoration:underline;text-decoration-color:rgba(212,168,75,.6)}
.f-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:14px;padding-top:16px;border-top:1px solid rgba(255,255,255,.08)}
.f-bottom nav ul{display:flex;gap:18px;flex-wrap:wrap}
.f-bottom li{margin:0}

/* ---------- needs-Zack callouts ---------- */

/* ---------- reveal ---------- */
.js [data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.js [data-reveal].in{opacity:1;transform:none}
.js [data-reveal="fade"]{transform:none}
[data-delay="1"]{transition-delay:.08s!important}[data-delay="2"]{transition-delay:.16s!important}[data-delay="3"]{transition-delay:.24s!important}[data-delay="4"]{transition-delay:.32s!important}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.js [data-reveal]{opacity:1;transform:none}}

/* ---------- responsive ---------- */
@media (max-width:1180px){
  .nav-link{padding:10px 9px;font-size:.92rem}
  .hdr-call .num{display:none}
  .hdr-call{padding:0;width:44px;justify-content:center}
}
@media (max-width:1024px){
  .nav,.hdr-call{display:none}
  .menu-toggle{display:inline-flex}
  .hdr-actions{margin-left:auto}
  .hero-grid,.phero-grid,.indep,.owner,.two-col,.contact-grid,.split-img,.fq-grid,.legal-grid{grid-template-columns:1fr}
  .phero-grid{align-items:start}
  .trust-inner{grid-template-columns:1fr 1fr}
  .trust-item:nth-child(2){border-right:0}
  .trust-item:nth-child(-n+2){border-bottom:1px solid var(--line-2)}
  .bento{grid-template-columns:1fr}
  .cov-card.big{grid-row:auto}
  .team-grid{grid-template-columns:repeat(2,1fr)}
  .t-grid{grid-template-columns:1fr}
  .t-card.feature{grid-row:auto}
  .covers,.helps,.rel-grid,.post-grid,.lines{grid-template-columns:1fr 1fr}
  .post.featured{grid-column:span 2}
  .f-top{grid-template-columns:1fr 1fr}
  .person,.person:nth-child(even){grid-template-columns:260px 1fr}
  .person:nth-child(even) .ph-wrap{order:0}
  .side-stack{position:static}
  .toc{position:static}
  .owner .portrait{max-width:440px}
}
@media (max-width:720px){
  body{padding-bottom:72px}
  .topbar .tb-right,.topbar .hide-sm{display:none}
  .topbar .wrap{justify-content:center;font-size:.76rem}
  .site-header .wrap{height:68px;gap:12px}
  .site-header.scrolled .wrap{height:62px}
  .brand img,.site-header.scrolled .brand img{height:40px}
  .hdr-actions .btn{--h:42px;padding:0 1em;font-size:.88rem}
  .hero{padding-bottom:110px}
  .hero h1{font-size:clamp(2.35rem,10.5vw,3rem)}
  .hero .ctas .btn{flex:1 1 100%}
  .qcard{padding:22px}
  .tiles{grid-template-columns:repeat(3,1fr);gap:8px}
  .tile{padding:12px 4px;font-size:.8rem}
  .tile svg{width:24px;height:24px}
  .trust{margin-top:-48px}
  .trust-inner{grid-template-columns:1fr}
  .trust-item{border-right:0!important;border-bottom:1px solid var(--line-2)}
  .trust-item:last-child{border-bottom:0}
  .cov-list,.cov-card:not(.big) .cov-list{grid-template-columns:1fr}
  .steps3{grid-template-columns:1fr;gap:40px}
  .steps3::before{top:38px;bottom:38px;left:50%;right:auto;width:2px;height:auto;background:repeating-linear-gradient(180deg,var(--gold) 0 8px,transparent 8px 16px)}
  .step{background:var(--cream);padding-bottom:6px}
  .bg-white .step{background:#fff}
  .team-grid{grid-template-columns:1fr 1fr;gap:12px}
  .tm .cap{padding:40px 12px 12px}
  .tm .cap strong{font-size:1.05rem}
  .tm .cap span{font-size:.75rem}
  .covers,.helps,.rel-grid,.post-grid,.lines,.problems{grid-template-columns:1fr}
  .post.featured{grid-column:auto;flex-direction:column}
  .post.featured .art{min-height:200px}
  .f-top{grid-template-columns:1fr}
  .person,.person:nth-child(even){grid-template-columns:1fr}
  .person .ph-wrap{max-width:300px}
  .cta-band .acts{width:100%}
  .cta-band .acts .btn{flex:1}
  .portrait .lic{left:12px}
  .portrait::before{inset:14px -10px -14px 14px}
  .map{min-height:340px}
  .form-shell iframe{height:1800px}
  .action-bar{display:grid;grid-template-columns:1fr 1.3fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:80;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-top:1px solid var(--line);box-shadow:0 -8px 24px -12px rgba(7,13,58,.25)}
  .action-bar .btn{--h:48px;width:100%}
}
@media print{.site-header,.action-bar{display:none}}
/* additions */
.drawer-close{display:inline-flex!important}
.drawer .chev{width:18px;height:18px;transition:transform .25s}
.drawer details[open] .chev{transform:rotate(180deg)}
.nav-link[data-current]{box-shadow:inset 0 -2px 0 var(--gold)}
/* iteration 1 (from screenshot review) */
.brand img{height:62px}.site-header.scrolled .brand img{height:50px}
.site-footer .btn-gold{color:var(--navy)}.site-footer .btn-gold:hover{color:var(--navy);text-decoration:none}
.site-footer .btn-ghost{color:#fff}.site-footer .btn:hover{text-decoration:none}
.tm{background:var(--navy);border:1px solid rgba(7,13,58,.08);box-shadow:var(--shadow-sm);transition:transform .35s var(--ease),box-shadow .35s}
.tm:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.tm img{aspect-ratio:1/1}
.tm .cap{position:relative;padding:18px 20px 20px;background:var(--navy);border-top:2px solid var(--gold)}
.tm .cap .more{display:flex;align-items:center;gap:6px;margin-top:10px;font-size:.8rem;font-weight:700;color:#fff;opacity:.75;transition:opacity .2s}
.tm .cap .more svg{width:14px;height:14px;color:var(--gold)}
.tm:hover .cap .more{opacity:1}
.portrait img{aspect-ratio:1/1}
@media (min-width:961px){.owner{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr)}}
.owner .portrait{max-width:470px}
.person img{aspect-ratio:1/1}
@media (min-width:721px){.person{grid-template-columns:280px 1fr}.person:nth-child(even){grid-template-columns:1fr 280px}}
.cov-card.big{display:flex;flex-direction:column}
.cov-card.big .pair{margin-top:auto;padding-top:28px;position:relative;z-index:1}
.pair-box{border:1px solid rgba(212,168,75,.3);border-radius:18px;padding:20px 22px;background:linear-gradient(140deg,rgba(212,168,75,.12),rgba(255,255,255,.02));display:flex;gap:18px;align-items:center}
.pair-icons{display:flex;flex:none}
.pair-icons span{width:44px;height:44px;border-radius:50%;background:var(--navy);border:1.5px solid var(--gold);color:var(--gold);display:grid;place-items:center;margin-left:-10px}
.pair-icons span:first-child{margin-left:0}
.pair-icons svg{width:20px;height:20px}
.pair-box strong{display:block;color:#fff;font-size:1rem}
.pair-box p{margin:2px 0 0;font-size:.88rem;color:var(--on-navy-muted)}
.cov-card .head-row{display:flex;justify-content:space-between;align-items:center;gap:12px}
@media (max-width:720px){.pair-box{flex-direction:column;align-items:flex-start}.person,.person:nth-child(even){grid-template-columns:1fr}}
.drawer{overflow:hidden}
img{height:auto}.tm img,.portrait img,.person img{height:auto}
/* iteration 2 */
.t-card.feature{position:relative;justify-content:flex-end;min-height:420px;padding-top:110px}
.t-card.feature .qm{position:absolute;top:48px;left:clamp(22px,3vw,36px);font-size:9rem;height:auto;opacity:.55}
@media (max-width:960px){.brand img{height:46px}.site-header.scrolled .brand img{height:42px}.t-card.feature{min-height:0}}
.tm .cap .more{white-space:nowrap}
.bg-cream2 .eyebrow,.bg-cream2 .gold-text{color:#7A5B1A}.bg-cream2 .eyebrow::before{background:#7A5B1A}
.fs-frame{position:relative}
.form-shell .fs-frame iframe{position:relative;z-index:1;background:transparent}
.fs-fallback{position:absolute;inset:0 0 auto 0;padding:80px 32px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:14px;color:var(--muted)}
.fs-fallback>svg{width:40px;height:40px;color:var(--gold-text)}
.fs-fallback strong{color:var(--navy);font-size:1.1rem}

.entity-stmt{margin:12px 0 0;font-size:.95rem;color:var(--on-navy-muted, var(--muted));max-width:52ch;line-height:1.5}
.phero .entity-stmt,.hero .entity-stmt{color:rgba(255,255,255,.78)}
.f-social{display:flex;gap:14px;margin:14px 0 10px;flex-wrap:wrap}
.f-social a{font-size:.9rem;font-weight:600;color:var(--gold-light,#E0BF7B);text-decoration:none}
.f-social a:hover{text-decoration:underline}