/* ==========================================================================
   Parish Insurance Agency — Design System v2
   Light, bright, photographic. Green / black / white.
   ========================================================================== */

:root {
  /* Brand green */
  --g-900: #06301a;
  --g-800: #0a4726;
  --g-700: #0f6b34;
  --g-600: #147a3c;
  --g-500: #1a9c4d;
  --g-400: #35b768;
  --g-100: #dff0e5;
  --g-50:  #f0f8f3;

  /* Ink */
  --ink:      #121814;
  --ink-2:    #2c3630;
  --body:     #4d5a52;
  --muted:    #6d7a72;

  /* Surfaces — page canvas is a warm off-white, never pure white.
     Cards/header/inputs stay true #fff so they read as crisp panels above it. */
  --white:  #f7f7f2;
  --paper:  #edefe6;
  --paper-2:#e4e8dd;
  --line:   #dde1d5;
  --line-2: #c9d0c0;

  --danger: #b3261e;

  --font-h: "Newsreader", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --font-d: "Inter", -apple-system, "Segoe UI", system-ui, sans-serif;
  --font-b: "Inter", -apple-system, "Segoe UI", system-ui, sans-serif;

  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 16px;
  --r-xl: 24px;

  --sh-1: 0 1px 2px rgba(18,24,20,.05), 0 2px 6px rgba(18,24,20,.04);
  --sh-2: 0 1px 2px rgba(18,24,20,.05), 0 8px 22px rgba(18,24,20,.06);
  --sh-3: 0 2px 4px rgba(18,24,20,.05), 0 18px 46px rgba(18,24,20,.09);

  --maxw: 1180px;
  --nav-h: 78px;
  --ease: cubic-bezier(.22,1,.36,1);

  /* -------------------------------------------------------------------
     IMAGERY
     One real photograph ships with the site: assets/family-photo.jpg,
     in the home hero. Every other image surface is a self-contained CSS
     panel from the duotone system below — nothing is hotlinked, so no
     image can break, slow the page down or expire on you.

     To drop in real photography later, point any --img-* at a file:
       --img-home: url("home-clearwater.jpg");
     Nothing else needs to change.
     ------------------------------------------------------------------- */
  --img-family: url("family-photo.jpg");

  /* upright hairlines over deep green — the .shelter-panel surfaces */
  --img-porch:
    linear-gradient(96deg, rgba(255,255,255,0) 24%, rgba(255,255,255,.10) 50%, rgba(255,255,255,0) 76%),
    repeating-linear-gradient(90deg, rgba(255,255,255,.055) 0 1px, rgba(255,255,255,0) 1px 26px),
    linear-gradient(163deg, #0e6231 0%, #06301a 100%);

  /* fine grid and a far glow — full-bleed band */
  --img-beacon:
    repeating-linear-gradient(90deg, rgba(255,255,255,.05) 0 1px, rgba(255,255,255,0) 1px 44px),
    repeating-linear-gradient(0deg, rgba(255,255,255,.035) 0 1px, rgba(255,255,255,0) 1px 44px),
    linear-gradient(104deg, #041d10 0%, #08411f 58%, #0d5b2c 100%);
}

/* ---------------------------------- base --------------------------------- */
*,*::before,*::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-b);
  font-size: 17px;
  line-height: 1.65;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img,svg { display: block; max-width: 100%; }
canvas { display: none !important; }
a { color: var(--g-700); text-decoration: none; }
a:hover { color: var(--g-500); }
button,input,select,textarea { font: inherit; color: inherit; }

h1,h2,h3,h4 { font-family: var(--font-h); font-weight: 600; color: var(--ink); margin: 0 0 .5em; line-height: 1.14; letter-spacing: -.012em; }
h1 { font-size: clamp(2.4rem, 5vw, 3.85rem); }
h2 { font-size: clamp(1.85rem, 3.3vw, 2.6rem); }
h3 { font-size: clamp(1.18rem, 1.8vw, 1.42rem); font-weight: 600; letter-spacing: -.006em; }
h4 { letter-spacing: 0; }
p { margin: 0 0 1.1em; }
ul,ol { margin: 0 0 1.1em; padding-left: 1.2em; }
strong { color: var(--ink-2); font-weight: 600; }
:focus-visible { outline: 3px solid var(--g-500); outline-offset: 3px; border-radius: 4px; }

.skip-link { position: absolute; left: -9999px; top: 0; z-index: 999; background: var(--g-700); color: #fff; padding: 12px 20px; }
.skip-link:focus { left: 0; color: #fff; }

.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }
.wrap-narrow { max-width: 780px; }
.section { padding: clamp(64px, 8vw, 116px) 0; position: relative; }
.section--tight { padding: clamp(44px, 5vw, 72px) 0; }
.section--paper { background: var(--paper); }
.section--ink { background: var(--g-900); }
.section--ink h1,.section--ink h2,.section--ink h3 { color: #fff; }
.section--ink p,.section--ink li { color: #b9cfc2; }

.grid { display: grid; gap: 26px; }
.g-2 { grid-template-columns: repeat(2,minmax(0,1fr)); }
.g-3 { grid-template-columns: repeat(3,minmax(0,1fr)); }
.g-4 { grid-template-columns: repeat(4,minmax(0,1fr)); }
@media (max-width: 940px){ .g-3,.g-4 { grid-template-columns: repeat(2,minmax(0,1fr)); } }
@media (max-width: 640px){ .g-2,.g-3,.g-4 { grid-template-columns: 1fr; } }

/* ------------------------------ section heads ---------------------------- */
.eyebrow {
  display: block; font-family: var(--font-b); font-size: .74rem; font-weight: 600;
  letter-spacing: .2em; text-transform: uppercase; color: var(--g-600); margin-bottom: 16px;
}
.section--ink .eyebrow { color: var(--g-400); }
.lede { font-size: clamp(1.05rem,1.5vw,1.22rem); color: var(--body); max-width: 60ch; }
.section--ink .lede { color: #b9cfc2; }
.head-center { text-align: center; }
.head-center .lede { margin-inline: auto; }

/* --------------------------------- buttons -------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--font-b); font-weight: 600; font-size: .95rem; line-height: 1; letter-spacing: .005em;
  padding: 17px 30px; border-radius: var(--r-sm); border: 2px solid transparent;
  cursor: pointer; text-decoration: none; white-space: nowrap;
  transition: background .18s, color .18s, border-color .18s, transform .18s var(--ease), box-shadow .18s;
}
.btn:hover { transform: translateY(-1px); }
.btn--primary { background: var(--g-700); color: #fff; }
.btn--primary:hover { background: var(--g-600); color: #fff; box-shadow: var(--sh-2); }
.btn--dark { background: var(--ink); color: #fff; }
.btn--dark:hover { background: var(--ink-2); color: #fff; }
.btn--ghost { background: #fff; color: var(--ink); border-color: var(--line-2); }
.btn--ghost:hover { border-color: var(--g-600); color: var(--g-700); }
.btn--onDark { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.btn--onDark:hover { background: #fff; color: var(--g-800); border-color: #fff; }
.btn--lg { padding: 19px 36px; font-size: 1.04rem; }
.btn--sm { padding: 11px 18px; font-size: .88rem; }
.btn--block { width: 100%; }
.btn[disabled] { opacity: .5; cursor: not-allowed; transform: none; }

/* --------------------------------- header --------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 100; background: #fff;
  border-bottom: 1px solid transparent; transition: border-color .25s, box-shadow .25s;
}
.site-header.is-stuck { border-bottom-color: var(--line); box-shadow: 0 2px 14px rgba(18,24,20,.05); }
.nav { display: flex; align-items: center; gap: 20px; height: var(--nav-h); }
.brand { display: flex; align-items: center; gap: 12px; margin-right: auto; }
.brand:hover { color: inherit; }
.brand-mark { width: 40px; height: 40px; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-d); font-weight: 600; font-size: 1.1rem; color: var(--ink); letter-spacing: -.01em; }
.brand-sub { font-family: var(--font-d); font-style: italic; font-size: .95rem; letter-spacing: .005em; color: var(--g-600); font-weight: 500; margin-top: 3px; }

.nav-links { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; }
.nav-links a { display: block; padding: 10px 15px; font-size: .93rem; font-weight: 500; color: var(--ink-2); border-radius: var(--r-sm); }
.nav-links a:hover { color: var(--g-700); background: var(--g-50); }
.nav-links a[aria-current="page"] { color: var(--g-700); font-weight: 600; }

.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: 1rem; color: var(--ink); }
.nav-phone:hover { color: var(--g-700); }
.nav-phone svg { color: var(--g-600); }

.nav-toggle { display: none; width: 46px; height: 46px; border: 1px solid var(--line-2); background: #fff; border-radius: var(--r-sm); cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle span { position: relative; display: block; width: 20px; height: 2px; background: var(--ink); }
.nav-toggle span::before,.nav-toggle span::after { content: ""; position: absolute; left: 0; width: 20px; height: 2px; background: var(--ink); transition: transform .25s var(--ease); }
.nav-toggle span::before { transform: translateY(-6px); }
.nav-toggle span::after { transform: translateY(6px); }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after { transform: rotate(-45deg); }

@media (max-width: 1040px){
  .nav-links,.nav-cta .btn { display: none; }
  .nav-toggle { display: inline-flex; }
  .mobile-menu[data-open="true"] { display: block; }
}
.mobile-menu { display: none; border-top: 1px solid var(--line); background: #fff; padding: 12px 28px 26px; }
.mobile-menu ul { list-style: none; margin: 0 0 16px; padding: 0; }
.mobile-menu a { display: block; padding: 14px 2px; font-weight: 600; font-size: 1.05rem; color: var(--ink); border-bottom: 1px solid var(--paper-2); }
.mobile-menu .btn { width: 100%; margin-bottom: 10px; }

/* =============================== HOME HERO ================================ */
.hero { background: var(--white); padding: clamp(44px,6vw,80px) 0 clamp(48px,6vw,84px); }
.hero__grid { display: grid; grid-template-columns: 1.02fr .98fr; gap: clamp(36px,5vw,72px); align-items: center; }
@media (max-width: 980px){ .hero__grid { grid-template-columns: 1fr; } }

.hero__badge {
  display: inline-flex; align-items: center; gap: 9px; background: var(--g-50);
  border: 1px solid var(--g-100); color: var(--g-700); padding: 8px 16px;
  border-radius: 100px; font-size: .8rem; font-weight: 600; margin-bottom: 26px;
}
.hero__badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--g-500); }
.hero h1 { margin-bottom: 22px; }
.hero h1 .hero__h1-line { display: block; text-wrap: balance; }
.hero h1 .hero__h1-line + .hero__h1-line { margin-top: .38em; }
.hero h1 em { font-style: italic; font-weight: 500; color: var(--g-700); }
.hero__lede { font-size: clamp(1.08rem,1.5vw,1.24rem); color: var(--body); max-width: 46ch; margin-bottom: 34px; }

.hero__reassure { display: flex; flex-wrap: wrap; gap: 8px 24px; margin-top: 30px; font-size: .88rem; color: var(--muted); }
.hero__reassure span { display: inline-flex; align-items: center; gap: 7px; }
.hero__reassure svg { color: var(--g-500); flex: none; }

/* hero photo */
.hero__photo {
  position: relative; border-radius: var(--r-lg); overflow: hidden;
  aspect-ratio: 16/10;
  background-color: var(--g-800); background-image: var(--img-family);
  background-position: center; background-size: cover; background-repeat: no-repeat;
  box-shadow: var(--sh-3), inset 0 0 0 1px rgba(6,48,26,.16);
}
.hero__stamp {
  position: absolute; left: 20px; right: 20px; bottom: 20px;
  background: #fff; border-radius: var(--r-md); padding: 18px 20px; box-shadow: var(--sh-2);
}
.hero__stamp strong { display: block; font-family: var(--font-h); font-size: 1.05rem; color: var(--ink); margin-bottom: 2px; }
.hero__stamp span { font-size: .86rem; color: var(--muted); }

/* ------------------------- the two big quote buttons ---------------------- */
.quote-picker { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 16px; }
@media (max-width: 560px){ .quote-picker { grid-template-columns: 1fr; } }
.quote-card {
  display: flex; flex-direction: column; align-items: flex-start;
  padding: 26px 24px 22px; border-radius: var(--r-md); border: 2px solid var(--line);
  background: #fff; color: var(--ink);
  transition: border-color .2s, box-shadow .2s, transform .2s var(--ease);
}
.quote-card:hover { border-color: var(--g-600); box-shadow: var(--sh-2); transform: translateY(-3px); color: var(--ink); }
.quote-card--primary { background: var(--g-700); border-color: var(--g-700); color: #fff; }
.quote-card--primary:hover { background: var(--g-600); border-color: var(--g-600); color: #fff; }
.quote-card__icon { width: 40px; height: 40px; margin-bottom: 14px; color: var(--g-600); }
.quote-card--primary .quote-card__icon { color: #fff; }
.quote-card__title { font-family: var(--font-h); font-size: 1.34rem; font-weight: 600; line-height: 1.18; margin-bottom: 6px; }
.quote-card__desc { font-size: .89rem; color: var(--muted); margin: 0; }
.quote-card--primary .quote-card__desc { color: #c6e6d3; }
.quote-card__go { display: inline-flex; align-items: center; gap: 7px; margin-top: 16px; font-weight: 600; font-size: .9rem; color: var(--g-700); }
.quote-card--primary .quote-card__go { color: #fff; }
.quote-card__go svg { transition: transform .2s var(--ease); }
.quote-card:hover .quote-card__go svg { transform: translateX(4px); }

/* ============================== PAGE HERO ================================= */
.page-hero { background: var(--paper); border-bottom: 1px solid var(--line); padding: clamp(44px,6vw,78px) 0 clamp(40px,5vw,64px); }
.page-hero h1 { font-size: clamp(2.1rem,4vw,3.2rem); margin-bottom: 16px; }
.page-hero p { color: var(--body); max-width: 58ch; font-size: 1.08rem; margin-bottom: 0; }
.page-hero .hero__sky, .page-hero .cloud { display: none; }
.crumbs { font-size: .82rem; color: var(--muted); margin-bottom: 16px; }
.crumbs a { color: var(--muted); }
.crumbs a:hover { color: var(--g-700); }

/* ------------------------------- trust bar -------------------------------- */
.trustbar { background: var(--g-900); padding: 30px 0; }
.trustbar__row { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 22px 30px; }
.trust-item { display: flex; align-items: center; gap: 13px; padding-left: 28px; border-left: 1px solid rgba(255,255,255,.10); }
.trust-item:first-child { padding-left: 0; border-left: 0; }
@media (max-width: 940px){
  .trustbar__row { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .trust-item:nth-child(3) { padding-left: 0; border-left: 0; }
}
@media (max-width: 560px){
  .trustbar__row { grid-template-columns: 1fr; }
  .trust-item { padding-left: 0; border-left: 0; }
}
.trust-item svg { color: var(--g-400); flex: none; }
.trust-item strong { display: block; font-family: var(--font-d); font-size: 1rem; color: #fff; font-weight: 600; line-height: 1.25; }
.trust-item span { font-size: .8rem; color: #9ab3a5; }

/* --------------------------------- cards ---------------------------------- */
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 28px; transition: border-color .2s, box-shadow .2s, transform .2s var(--ease); }
.card:hover { border-color: var(--line-2); box-shadow: var(--sh-2); transform: translateY(-3px); }
.card h3 { margin-bottom: 8px; }
.card p { color: var(--body); font-size: .95rem; margin-bottom: 0; }
.card__icon { width: 46px; height: 46px; border-radius: var(--r-sm); display: grid; place-items: center; background: var(--g-50); color: var(--g-700); margin-bottom: 18px; }
.card__link { display: inline-flex; align-items: center; gap: 7px; margin-top: 16px; font-weight: 600; font-size: .9rem; color: var(--g-700); }
.card__link svg { transition: transform .2s var(--ease); }
.card:hover .card__link svg { transform: translateX(4px); }
.card--dark { background: rgba(255,255,255,.05); border-color: rgba(255,255,255,.14); }
.card--dark:hover { border-color: rgba(255,255,255,.3); transform: translateY(-3px); }
.card--dark h3 { color: #fff; }
.card--dark p { color: #b9cfc2; }
.card--dark .card__icon { background: rgba(53,183,104,.16); color: var(--g-400); }

/* photo cards */
.pcard { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; transition: border-color .2s, box-shadow .2s, transform .2s var(--ease); }
.pcard:hover { border-color: var(--line-2); box-shadow: var(--sh-2); transform: translateY(-3px); }
.pcard__img {
  aspect-ratio: 16/10;
  background-color: var(--g-800); background-position: center;
  background-size: cover; background-repeat: no-repeat;
  box-shadow: inset 0 0 0 1px rgba(6,48,26,.16);
}

/* Typographic plate — the card's presence comes from type and rule work,
   not from a stock photograph. Use .pcard__img instead if you add photography. */
.pcard__plate {
  position: relative; aspect-ratio: 16/8.4; overflow: hidden;
  background: linear-gradient(163deg, #0e6231 0%, #06301a 100%);
  display: flex; align-items: flex-end; justify-content: space-between;
  gap: 12px; padding: 17px 18px;
}
.pcard__plate::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: repeating-linear-gradient(90deg, rgba(255,255,255,.055) 0 1px, rgba(255,255,255,0) 1px 19px);
}
.pcard__plate > * { position: relative; z-index: 1; }
.pcard__plate svg { width: 34px; height: 34px; color: #fff; opacity: .92; transition: transform .25s var(--ease); }
.pcard:hover .pcard__plate svg { transform: translateY(-2px); }
.pcard__idx {
  font-family: var(--font-d); font-size: .7rem; font-weight: 600;
  letter-spacing: .22em; color: var(--g-400); font-variant-numeric: tabular-nums;
  padding-bottom: 4px;
}
.pcard__body { padding: 21px 21px 24px; }
.pcard h3 { margin-bottom: 9px; font-size: 1.24rem; text-wrap: balance; }
.pcard p { color: var(--body); font-size: .9rem; line-height: 1.6; margin-bottom: 0; text-wrap: pretty; }
.pcard__link { display: inline-flex; align-items: center; gap: 7px; margin-top: 15px; font-weight: 600; font-size: .89rem; color: var(--g-700); }
.pcard:hover .pcard__link svg { transform: translateX(4px); }
.pcard__link svg { transition: transform .2s var(--ease); }

/* ------------------------------ split feature ----------------------------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px,4.5vw,68px); align-items: center; }
@media (max-width: 940px){ .split { grid-template-columns: 1fr; } }
.split--reverse > :first-child { order: 2; }
@media (max-width: 940px){ .split--reverse > :first-child { order: 0; } }

/* legacy panel — now a photograph */
.shelter-panel {
  position: relative; border-radius: var(--r-lg); overflow: hidden;
  background-color: var(--g-800); background-image: var(--img-porch);
  background-position: center; background-size: cover; background-repeat: no-repeat;
  box-shadow: var(--sh-3), inset 0 0 0 1px rgba(6,48,26,.18);
  display: flex; flex-direction: column; justify-content: space-between; gap: 26px;
  padding: clamp(28px,3.2vw,40px);
}
.shelter-panel__mark { position: relative; z-index: 2; width: 38px; height: 38px; color: #fff; opacity: .92; }
.shelter-panel__caption {
  position: relative; z-index: 2; margin: 0;
  font-family: var(--font-h); font-weight: 600; color: #fff;
  font-size: clamp(1.4rem,2.1vw,1.85rem); line-height: 1.18; letter-spacing: -.012em;
}
.shelter-panel__caption small { display: block; font-family: var(--font-b); font-weight: 400; font-size: .96rem; color: #cfe2d6; margin-top: 11px; line-height: 1.6; max-width: 34ch; }

/* --------------------------- full-bleed storm band ------------------------ */
.band {
  position: relative; isolation: isolate; overflow: hidden;
  background-color: var(--g-900); background-image: var(--img-beacon);
  background-position: center; background-size: cover; background-repeat: no-repeat;
  padding: clamp(72px,10vw,140px) 0;
}
.band::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(4,24,13,.74) 0%, rgba(4,24,13,.52) 58%, rgba(4,24,13,.38) 100%); }
.band__inner { max-width: 620px; }
.band__grid { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,.66fr); gap: clamp(32px,5vw,64px); align-items: center; }
.band__grid .band__inner { max-width: 620px; }
.band__figure { margin: 0; position: relative; border-radius: 3px; overflow: hidden; box-shadow: 0 24px 60px rgba(2,14,8,.45); }
.band__figure img { display: block; width: 100%; height: auto; }
.band__figure figcaption { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: #cfe2d6; padding: 10px 14px; background: rgba(4,24,13,.82); }
@media (max-width: 860px) { .band__grid { grid-template-columns: 1fr; } }
.band h2 { color: #fff; margin-bottom: 18px; }
.band p { color: #cfe2d6; font-size: 1.08rem; }
.band .eyebrow { color: var(--g-400); }

/* --------------------------------- stats ---------------------------------- */
.stat__num { font-family: var(--font-d); font-weight: 600; font-variant-numeric: tabular-nums; letter-spacing: -.03em; font-size: clamp(2.2rem,4vw,3.2rem); color: var(--g-600); line-height: 1; }
.stat__label { font-size: .88rem; color: var(--muted); margin-top: 8px; }
.section--ink .stat__num { color: var(--g-400); }
.section--ink .stat__label { color: #9ab3a5; }

/* --------------------------------- steps ---------------------------------- */
.steps { counter-reset: step; display: grid; }
.step { display: grid; grid-template-columns: 54px 1fr; gap: 20px; align-items: start; padding: 24px 0; border-top: 1px solid var(--line); }
.step:last-child { border-bottom: 1px solid var(--line); }
.step__num { counter-increment: step; width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; font-family: var(--font-d); font-weight: 600; background: var(--g-50); color: var(--g-700); border: 1px solid var(--g-100); font-size: .92rem; font-variant-numeric: tabular-nums; }
.step__num::before { content: counter(step,decimal-leading-zero); }
.step h3 { margin-bottom: 5px; font-size: 1.12rem; }
.step p { color: var(--body); margin: 0; font-size: .95rem; }

/* ------------------------------ testimonials ------------------------------ */
.quote-block { background: #fff; border: 1px solid var(--line); border-left: 3px solid var(--g-600); border-radius: 0 var(--r-sm) var(--r-sm) 0; padding: 30px 32px; height: 100%; box-shadow: var(--sh-1); }
.quote-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 22px; align-items: stretch; }
@media (max-width: 800px){ .quote-grid { grid-template-columns: 1fr; } }
.quote-block p { font-family: var(--font-h); font-size: 1.24rem; color: var(--ink-2); font-style: italic; line-height: 1.5; }
.quote-block cite { display: block; font-style: normal; font-family: var(--font-b); font-weight: 600; font-size: .88rem; color: var(--g-700); margin-top: 14px; }

/* -------------------------------- CTA band -------------------------------- */
.cta-band { background: var(--g-800); border-radius: var(--r-lg); padding: clamp(38px,5vw,60px); }
.cta-band__inner { display: flex; flex-wrap: wrap; gap: 28px; align-items: center; justify-content: space-between; }
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band p { color: #b9cfc2; margin: 0; max-width: 44ch; }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: 12px; }
.cta-band .btn--primary { background: #fff; color: var(--g-800); }
.cta-band .btn--primary:hover { background: var(--g-50); color: var(--g-900); }

/* --------------------------------- forms ---------------------------------- */
.form-shell { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--sh-2); padding: clamp(26px,3.5vw,42px); }
.field { margin-bottom: 20px; }
.field > label,.fieldset__legend { display: block; font-weight: 600; font-size: .91rem; color: var(--ink); margin-bottom: 8px; }
.field .hint { display: block; font-weight: 400; font-size: .84rem; color: var(--muted); margin: -3px 0 8px; }
.req { color: var(--g-600); }

input[type=text],input[type=email],input[type=tel],input[type=number],input[type=date],select,textarea {
  width: 100%; padding: 14px 16px; border: 1px solid var(--line-2); border-radius: var(--r-sm);
  background: #fff; font-size: 1rem; transition: border-color .15s, box-shadow .15s;
}
textarea { min-height: 130px; resize: vertical; }
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%236d7a72' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 44px; }
input:focus,select:focus,textarea:focus { outline: none; border-color: var(--g-600); box-shadow: 0 0 0 3px var(--g-100); }
input[aria-invalid=true],select[aria-invalid=true],textarea[aria-invalid=true] { border-color: var(--danger); }
.error-msg { display: none; color: var(--danger); font-size: .83rem; margin-top: 6px; font-weight: 500; }
.field.has-error .error-msg,.consent.has-error .error-msg { display: block; }

.row { display: grid; gap: 18px; grid-template-columns: repeat(2,minmax(0,1fr)); }
.row-3 { grid-template-columns: repeat(3,minmax(0,1fr)); }
@media (max-width: 640px){ .row,.row-3 { grid-template-columns: 1fr; } }

.choices { display: grid; gap: 10px; grid-template-columns: repeat(auto-fit,minmax(200px,1fr)); }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; width: 0; height: 0; }
.choice label { display: flex; align-items: flex-start; gap: 12px; height: 100%; padding: 15px 16px; border: 1px solid var(--line-2); border-radius: var(--r-sm); background: #fff; cursor: pointer; font-size: .94rem; transition: border-color .15s, background .15s; }
.choice label:hover { border-color: var(--g-500); }
.choice input:checked + label { border-color: var(--g-600); background: var(--g-50); box-shadow: inset 0 0 0 1px var(--g-600); }
.choice input:focus-visible + label { outline: 3px solid var(--g-500); outline-offset: 2px; }
.choice__box { width: 21px; height: 21px; flex: none; border-radius: 4px; border: 1px solid var(--line-2); background: #fff; display: grid; place-items: center; margin-top: 1px; }
.choice input[type=radio] + label .choice__box { border-radius: 50%; }
.choice__box svg { opacity: 0; color: #fff; }
.choice input:checked + label .choice__box { background: var(--g-600); border-color: var(--g-600); }
.choice input:checked + label .choice__box svg { opacity: 1; }
.choice__text strong { display: block; font-weight: 600; color: var(--ink); }
.choice__text small { display: block; color: var(--muted); font-size: .82rem; margin-top: 1px; }

.consent { background: var(--paper); border: 1px solid var(--line-2); border-radius: var(--r-sm); padding: 18px 20px; margin-bottom: 18px; }
.consent.has-error { border-color: var(--danger); }
.consent__row { display: flex; align-items: flex-start; gap: 13px; }
.consent input[type=checkbox] { width: 21px; height: 21px; flex: none; margin: 2px 0 0; accent-color: var(--g-600); cursor: pointer; }
.consent label { font-size: .87rem; line-height: 1.55; color: var(--ink-2); cursor: pointer; }
.consent .fine { display: block; font-size: .78rem; color: var(--muted); margin-top: 10px; line-height: 1.55; }
.legal-fine { font-size: .78rem; color: var(--muted); line-height: 1.6; }

.stepper { margin-bottom: 30px; }
.stepper__bar { height: 4px; border-radius: 100px; background: var(--paper-2); overflow: hidden; margin-bottom: 12px; }
.stepper__fill { height: 100%; width: 0; background: var(--g-600); transition: width .4s var(--ease); }
.stepper__meta { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; }
.stepper__label { font-weight: 600; font-size: .95rem; color: var(--ink); }
.stepper__count { font-size: .82rem; color: var(--muted); font-variant-numeric: tabular-nums; }

.fstep { display: none; }
.fstep.is-active { display: block; animation: stepIn .35s var(--ease); }
@keyframes stepIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.fstep__title { font-family: var(--font-d); font-size: 1.5rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.fstep__sub { color: var(--body); font-size: .94rem; margin-bottom: 24px; }

.form-nav { display: flex; gap: 12px; align-items: center; margin-top: 26px; padding-top: 22px; border-top: 1px solid var(--line); }
.form-nav .spacer { margin-left: auto; }

.form-success,.form-error { display: none; padding: 34px; border-radius: var(--r-md); text-align: center; }
.form-success.is-visible,.form-error.is-visible { display: block; }
.form-success { background: var(--g-50); border: 1px solid var(--g-100); }
.form-error { background: #fdf3f2; border: 1px solid #f0d2cf; }
.form-success__mark { width: 62px; height: 62px; border-radius: 50%; margin: 0 auto 18px; display: grid; place-items: center; background: var(--g-600); color: #fff; }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }

/* ============================== INSIGHTS ==================================
   The blog. Index cards, article prose, and the read-next rows.            */

.page-hero__stamp {
  margin: 22px 0 0; font-size: .82rem; letter-spacing: .04em; text-transform: uppercase;
  color: var(--muted); font-variant-numeric: tabular-nums;
}

.insight-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 24px; }

.insight-card {
  display: flex; flex-direction: column; gap: 12px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-md);
  padding: 30px 30px 26px; box-shadow: var(--sh-1);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s var(--ease);
}
.insight-card:hover { transform: translateY(-3px); box-shadow: var(--sh-2); border-color: var(--g-100); }
.insight-card__top { display: flex; align-items: baseline; justify-content: space-between; gap: 14px; }
.insight-card__cat {
  font-size: .7rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase;
  color: var(--g-700); background: var(--g-50); border: 1px solid var(--g-100);
  border-radius: 999px; padding: 5px 11px;
}
.insight-card__date { font-size: .82rem; color: var(--muted); font-variant-numeric: tabular-nums; white-space: nowrap; }
.insight-card h2 { font-size: 1.42rem; line-height: 1.22; margin: 4px 0 0; text-wrap: pretty; }
.insight-card p { color: var(--body); font-size: .95rem; line-height: 1.62; margin: 0; text-wrap: pretty; }
.insight-card__link {
  display: inline-flex; align-items: center; gap: 8px; margin-top: auto; padding-top: 8px;
  font-size: .9rem; font-weight: 600; color: var(--g-700);
}
.insight-card:hover .insight-card__link svg { transform: translateX(3px); }
.insight-card__link svg { transition: transform .25s var(--ease); }

/* ------------------------------- article --------------------------------- */

.article { padding: clamp(40px,5vw,68px) 0 clamp(52px,6vw,84px); }
.article h1 { font-size: clamp(2.05rem,4vw,3.1rem); margin-bottom: 18px; text-wrap: pretty; }
.article__summary {
  font-family: var(--font-h); font-size: clamp(1.12rem,1.7vw,1.3rem); line-height: 1.5;
  color: var(--ink-2); max-width: 60ch; margin: 0 0 24px;
}
.post-meta {
  display: flex; flex-wrap: wrap; align-items: center; gap: 10px;
  font-size: .86rem; color: var(--muted); margin: 0 0 6px;
  padding-bottom: 28px; border-bottom: 1px solid var(--line);
  font-variant-numeric: tabular-nums;
}
.post-meta__upd { color: var(--g-700); font-weight: 600; }

.prose { padding-top: 38px; max-width: 68ch; }
.prose > * + * { margin-top: 1.15em; }
.prose p { font-size: 1.06rem; line-height: 1.74; color: var(--ink-2); text-wrap: pretty; }
.prose h2 {
  font-size: clamp(1.45rem,2.3vw,1.85rem); margin-top: 2em; margin-bottom: .55em;
  padding-top: .9em; border-top: 1px solid var(--line);
}
.prose h3 { font-size: 1.22rem; margin-top: 1.9em; margin-bottom: .4em; }
.prose ul, .prose ol { padding-left: 1.35em; }
.prose li { font-size: 1.06rem; line-height: 1.7; color: var(--ink-2); margin-top: .5em; text-wrap: pretty; }
.prose li::marker { color: var(--g-600); font-weight: 600; }
.prose strong { color: var(--ink); font-weight: 600; }
.prose blockquote {
  margin: 1.6em 0; padding: 4px 0 4px 26px; border-left: 3px solid var(--g-600);
}
.prose blockquote p { font-family: var(--font-h); font-size: 1.16rem; color: var(--ink); }
.prose hr { border: 0; border-top: 1px solid var(--line); margin: 2.4em 0; }
.prose code { font-size: .92em; background: var(--g-50); border: 1px solid var(--g-100); border-radius: 4px; padding: 1px 5px; }

.article__cta {
  margin-top: 52px; background: var(--g-50); border: 1px solid var(--g-100);
  border-radius: var(--r-md); padding: clamp(28px,3.4vw,40px);
}
.article__cta h2 { font-size: clamp(1.4rem,2.2vw,1.75rem); margin-bottom: 10px; }
.article__cta p { color: var(--body); max-width: 52ch; margin-bottom: 22px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

.article__legal {
  margin-top: 34px; font-size: .82rem; line-height: 1.65; color: var(--muted);
  padding-top: 22px; border-top: 1px solid var(--line);
}

.more-heading { font-size: 1.16rem; margin-bottom: 16px; }
.insight-row {
  display: grid; grid-template-columns: auto 1fr auto; align-items: baseline; gap: 16px;
  padding: 18px 0; border-top: 1px solid var(--line);
}
.insight-row:last-child { border-bottom: 1px solid var(--line); }
.insight-row__cat { font-size: .7rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--g-700); }
.insight-row__title { font-family: var(--font-h); font-weight: 600; font-size: 1.06rem; color: var(--ink); }
.insight-row:hover .insight-row__title { color: var(--g-700); }
.insight-row__date { font-size: .82rem; color: var(--muted); white-space: nowrap; font-variant-numeric: tabular-nums; }

@media (max-width: 620px) {
  .insight-row { grid-template-columns: 1fr; gap: 6px; }
}

/* ============================= THANK YOU ================================== */

.thanks { text-align: left; }
.thanks .form-success__mark { margin: 0 0 22px; }
.thanks h1 { font-size: clamp(2rem,3.6vw,2.9rem); margin-bottom: 16px; }
.thanks .lede { max-width: 56ch; }
.thanks__next {
  margin: 38px 0 32px; padding: 28px 30px;
  background: var(--g-50); border: 1px solid var(--g-100); border-radius: var(--r-md);
}
.thanks__next h2 { font-size: 1.16rem; margin-bottom: 12px; }
.thanks__next ol { padding-left: 1.3em; margin: 0; }
.thanks__next li { font-size: .97rem; line-height: 1.65; color: var(--ink-2); margin-top: .5em; }
.thanks__next li::marker { color: var(--g-600); font-weight: 600; }
.thanks__hours { margin-top: 30px; font-size: .88rem; color: var(--muted); max-width: 56ch; }

/* =========================== COOKIE BANNER ================================
   Injected by assets/consent.js. Bottom sheet, deliberately quiet.

   NOT named .consent — that class belongs to the TCPA consent block inside
   the forms, further up this file. Reusing it put the required consent
   checkbox into position:fixed and translated it off screen.              */

.cookie-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  background: #fff; border-top: 1px solid var(--line);
  box-shadow: 0 -8px 30px rgba(18,24,20,.10);
  transform: translateY(102%); transition: transform .3s var(--ease);
}
.cookie-bar.is-in { transform: translateY(0); }
.cookie-bar__inner {
  max-width: var(--maxw); margin: 0 auto; padding: 18px clamp(20px,4vw,40px);
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.cookie-bar__body strong { display: block; font-family: var(--font-h); font-size: 1.02rem; color: var(--ink); margin-bottom: 3px; }
.cookie-bar__body p { margin: 0; font-size: .88rem; line-height: 1.55; color: var(--body); max-width: 76ch; }
.cookie-bar__actions { display: flex; gap: 10px; flex-shrink: 0; }

@media (max-width: 720px) {
  .cookie-bar__inner { flex-direction: column; align-items: stretch; gap: 16px; }
  .cookie-bar__actions { justify-content: stretch; }
  .cookie-bar__actions .btn { flex: 1; }
}
@media (prefers-reduced-motion: reduce) {
  .cookie-bar { transition: none; }
}

/* Shown only when scripting is unavailable — the forms post via fetch. */
.nojs {
  background: #fdf8ef; border: 1px solid #e6d8b8; border-left: 3px solid #c08a24;
  border-radius: 0 var(--r-sm) var(--r-sm) 0; padding: 20px 22px; margin-bottom: 24px;
}
.nojs strong { display: block; font-family: var(--font-h); font-size: 1.14rem; color: var(--ink); margin-bottom: 6px; }
.nojs p { font-size: .92rem; color: var(--ink-2); margin: 0; }
.nojs p + p { margin-top: 8px; }

.form-layout { display: grid; grid-template-columns: minmax(0,1.6fr) minmax(0,1fr); gap: 36px; align-items: start; }
@media (max-width: 1000px){ .form-layout { grid-template-columns: 1fr; } }
.aside-card { background: var(--g-900); border-radius: var(--r-md); padding: 28px; position: sticky; top: calc(var(--nav-h) + 22px); }
.aside-card h3 { color: #fff; font-size: 1.1rem; }
.aside-card p,.aside-card li { color: #b9cfc2; font-size: .91rem; }
.aside-card ul { list-style: none; padding: 0; }
.aside-card li { display: flex; gap: 11px; align-items: flex-start; padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.aside-card li:last-child { border-bottom: 0; }
.aside-card li svg { color: var(--g-400); flex: none; margin-top: 3px; }
.aside-card .call { display: block; font-family: var(--font-d); font-weight: 600; font-size: 1.45rem; color: #fff; margin-top: 6px; }
.aside-card .call:hover { color: var(--g-400); }
.aside-card a { color: var(--g-400); }
@media (max-width: 1000px){ .aside-card { position: static; } }

/* --------------------------------- tables --------------------------------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r-md); }
table { width: 100%; border-collapse: collapse; font-size: .94rem; background: #fff; }
th,td { text-align: left; padding: 15px 20px; border-bottom: 1px solid var(--line); }
th { font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); background: var(--paper); font-weight: 600; }
tr:last-child td { border-bottom: 0; }

/* -------------------------------- accordion ------------------------------- */
.acc { border-bottom: 1px solid var(--line); background: transparent; }
.acc__head { width: 100%; text-align: left; background: none; border: 0; cursor: pointer; padding: 22px 0; display: flex; align-items: center; justify-content: space-between; gap: 16px; font-family: var(--font-h); font-weight: 600; font-size: 1.14rem; color: var(--ink); }
.acc__head svg { flex: none; color: var(--g-600); transition: transform .25s var(--ease); }
.acc__head[aria-expanded=true] svg { transform: rotate(45deg); }
.acc__body { display: none; padding: 0 0 22px; color: var(--body); font-size: .96rem; max-width: 68ch; }
.acc__body.is-open { display: block; }

/* --------------------------------- footer --------------------------------- */
.site-footer { background: var(--ink); color: #9aa8a0; padding: 66px 0 28px; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 36px; margin-bottom: 42px; }
@media (max-width: 900px){ .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){ .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { font-family: var(--font-b); font-size: .74rem; letter-spacing: .15em; text-transform: uppercase; color: #fff; margin-bottom: 16px; font-weight: 600; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 10px; }
.site-footer a { color: #9aa8a0; }
.site-footer a:hover { color: var(--g-400); }
.site-footer .brand-name { color: #fff; }
.site-footer .brand-sub { color: var(--g-400); }
.footer-blurb { margin-top: 16px; max-width: 34ch; line-height: 1.7; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px; display: flex; flex-wrap: wrap; gap: 12px 28px; justify-content: space-between; font-size: .83rem; }
.footer-legal { max-width: 80ch; font-size: .78rem; color: #6f7d75; line-height: 1.7; margin-top: 18px; }

.call-fab { position: fixed; right: 18px; bottom: 18px; z-index: 90; display: none; align-items: center; gap: 9px; padding: 15px 22px; border-radius: 100px; background: var(--g-700); color: #fff; font-weight: 600; box-shadow: var(--sh-3); }
.call-fab:hover { color: #fff; background: var(--g-600); }
@media (max-width: 1040px){ .call-fab { display: inline-flex; } }

/* ------------------------------ scroll reveal ----------------------------- */
[data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
[data-reveal].is-in { opacity: 1; transform: none; }
[data-reveal][data-delay="1"] { transition-delay: .08s; }
[data-reveal][data-delay="2"] { transition-delay: .16s; }
[data-reveal][data-delay="3"] { transition-delay: .24s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *,*::before,*::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
  [data-reveal] { opacity: 1 !important; transform: none !important; }
}

@media print {
  .site-header,.site-footer,.call-fab { display: none !important; }
  body { color: #000; }
}