/* Layout: a split hero (promise left, quote form right) sitting on a "foundation" band, then quiet stacked sections. */
:root{
  --ground:#f3f4f1;      /* limestone */
  --surface:#ffffff;
  --ink:#16222a;         /* granite */
  --muted:#55626a;
  --line:#d9ddd8;
  --accent:#1d5e52;      /* deep slate-green */
  --accent-ink:#ffffff;
  --accent-soft:#e2ece8;
  --band:#16222a;
  --band-ink:#eef1ee;
  --warn:#9a5b12;
  --display:"Young Serif", Georgia, "Times New Roman", serif;
  --body:"Figtree", system-ui, -apple-system, "Segoe UI", sans-serif;
  --r:10px;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --ground:#11191e;--surface:#18232a;--ink:#e8ece9;--muted:#9aa7ad;--line:#2b3940;
  --accent:#5fb3a1;--accent-ink:#0d1a17;--accent-soft:#1c3330;--band:#0b1114;--band-ink:#e8ece9;--warn:#e0a458;color-scheme:dark}}
:root[data-theme="dark"]{
  --ground:#11191e;--surface:#18232a;--ink:#e8ece9;--muted:#9aa7ad;--line:#2b3940;
  --accent:#5fb3a1;--accent-ink:#0d1a17;--accent-soft:#1c3330;--band:#0b1114;--band-ink:#e8ece9;--warn:#e0a458;color-scheme:dark}

*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--ground);color:var(--ink);font:400 17px/1.6 var(--body)}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:10;background:var(--surface)}
a{color:var(--accent)}
h1,h2,h3{font-family:var(--display);font-weight:400;line-height:1.15;text-wrap:balance;margin:0}
h2{font-size:clamp(1.7rem,3.5vw,2.4rem)}
h3{font-size:1.25rem}
p{margin:0}
.wrap{max-width:1120px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
.lede{color:var(--muted);max-width:60ch}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 1rem var(--body);padding:.85rem 1.4rem;border-radius:999px;border:2px solid var(--accent);background:var(--accent);color:var(--accent-ink);text-decoration:none;cursor:pointer}
.btn:hover{filter:brightness(1.08)}
.btn.ghost{background:transparent;color:var(--accent)}
section{padding-block:clamp(56px,8vw,96px)}

/* header */
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:5;background:var(--surface);border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand b{font-family:var(--display);font-weight:400;font-size:1.3rem;line-height:1}
.brand small{display:block;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
nav{display:flex;gap:22px;align-items:center}
nav a.link{color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem}
nav a.link:hover{color:var(--accent)}
.phone-pill{font-weight:700;white-space:nowrap;text-decoration:none;font-variant-numeric:tabular-nums}
@media (max-width:860px){nav a.link{display:none}}
@media (max-width:480px){.phone-pill .lbl{display:none}}

/* hero */
.hero{padding-block:clamp(36px,6vw,72px) clamp(48px,7vw,88px)}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(28px,5vw,64px);align-items:start}
.hero .wrap>*{min-width:0}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}}
.hero h1{font-size:clamp(2.3rem,5.4vw,3.9rem);margin-block:14px 18px}
.hero h1 em{font-style:normal;color:var(--accent)}
.checks{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:10px}
.checks li{display:flex;gap:10px;align-items:flex-start}
.checks svg{flex:none;margin-top:4px}
.agent-chip{margin-top:30px;display:flex;gap:14px;align-items:center;padding:14px 16px;border:1px solid var(--line);border-radius:var(--r);background:var(--surface);max-width:440px}
.monogram{flex:none;width:48px;height:48px;border-radius:50%;background:var(--accent-soft);color:var(--accent);display:grid;place-items:center;font-family:var(--display);font-size:1.2rem}
.agent-chip p{font-size:.92rem;color:var(--muted);line-height:1.4}
.agent-chip strong{color:var(--ink)}

/* quote form */
.quote{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:clamp(20px,3vw,32px);box-shadow:0 18px 40px -24px rgba(10,30,30,.35)}
.progress{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted);margin-bottom:8px;font-variant-numeric:tabular-nums}
.bar{height:6px;background:var(--accent-soft);border-radius:99px;overflow:hidden;margin-bottom:22px}
.bar i{display:block;height:100%;width:20%;background:var(--accent);transition:width .3s}
.step h3{font-size:1.45rem;margin-bottom:6px}
.step .hint{color:var(--muted);font-size:.92rem;margin-bottom:18px}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.opts.one{grid-template-columns:1fr}
.opt{font:500 1rem var(--body);text-align:left;padding:14px 16px;border:1.5px solid var(--line);border-radius:var(--r);background:var(--ground);color:var(--ink);cursor:pointer}
.opt:hover{border-color:var(--accent)}
.opt[aria-pressed="true"]{border-color:var(--accent);background:var(--accent-soft);font-weight:700}
.field{display:grid;gap:6px;margin-bottom:14px}
.field label{font-weight:600;font-size:.9rem}
.field input,.field select{font:400 1rem var(--body);padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--r);background:var(--ground);color:var(--ink);width:100%}
.field input:focus,.field select:focus{border-color:var(--accent);outline:none}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:420px){.row2,.opts{grid-template-columns:1fr}}
.nav-row{display:flex;justify-content:space-between;align-items:center;margin-top:20px;gap:12px}
.back{background:none;border:0;color:var(--muted);font:500 .95rem var(--body);cursor:pointer;padding:8px 0}
.err{color:var(--warn);font-size:.88rem;min-height:1.2em;margin-top:8px}
.q{font-weight:600;font-size:.95rem;margin:18px 0 8px}
.step .hint+.q{margin-top:0}
.opt-l{font-weight:400;color:var(--muted);font-size:.82rem;margin-left:4px}
.opts.three{grid-template-columns:repeat(3,1fr)}
.hint.big{font-size:1rem;color:var(--ink);font-weight:500}
.field textarea{font:400 1rem var(--body);padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--r);background:var(--ground);color:var(--ink);width:100%;resize:vertical}
.field textarea:focus{border-color:var(--accent);outline:none}
.conds{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.chk{display:flex;gap:8px;align-items:center;font-size:.92rem;padding:10px 12px;border:1.5px solid var(--line);border-radius:var(--r);background:var(--ground);cursor:pointer}
.chk:has(input:checked),.ack:has(input:checked){border-color:var(--accent);background:var(--accent-soft)}
.chk input,.ack input{accent-color:var(--accent);width:18px;height:18px;flex:none}
.ack{display:flex;gap:12px;align-items:flex-start;padding:16px;border:1.5px solid var(--line);border-radius:var(--r);background:var(--ground);cursor:pointer;line-height:1.5}
.ack input{margin-top:3px}
.ack.small{font-size:.78rem;color:var(--muted);padding:12px;margin-top:6px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
@media (max-width:900px){.hero .lede,.hero .checks{display:none}.hero h1{margin-bottom:6px}.agent-chip{margin-top:16px}.hero .wrap{gap:20px}}
@media (max-width:420px){.conds{grid-template-columns:1fr}.opts.three{grid-template-columns:1fr 1fr 1fr}}
.consent{font-size:.75rem;color:var(--muted);line-height:1.45;margin-top:12px}
.done{text-align:center;padding-block:12px}
.done .monogram{margin:0 auto 14px;width:60px;height:60px}
.trustline{display:flex;flex-wrap:wrap;gap:8px 18px;justify-content:center;margin-top:18px;font-size:.8rem;color:var(--muted)}

/* foundation band */
.band{background:var(--band);color:var(--band-ink);padding-block:28px}
.band .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.band .wrap>div{min-width:0}
.band b{display:block;font-family:var(--display);font-weight:400;font-size:1.15rem}
.band span{font-size:.88rem;opacity:.75}
@media (max-width:800px){.band .wrap{grid-template-columns:1fr 1fr}}

/* what it is */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(28px,5vw,72px);align-items:start}
.split>*{min-width:0}
@media (max-width:860px){.split{grid-template-columns:1fr}}
.split h2{margin-block:10px 16px}
.scenario{display:grid;gap:14px}
.scenario div{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:18px 20px}
.scenario b{display:block;margin-bottom:4px}
.scenario p{color:var(--muted);font-size:.96rem}

/* estimator */
.est{background:var(--surface);border-block:1px solid var(--line)}
.est-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px);align-items:center;margin-top:28px}
.est-grid>*{min-width:0}
@media (max-width:820px){.est-grid{grid-template-columns:1fr}}
.slider{margin-bottom:22px}
.slider .top{display:flex;justify-content:space-between;font-weight:600;margin-bottom:6px;font-variant-numeric:tabular-nums}
.slider input{width:100%;accent-color:var(--accent)}
.result{background:var(--ground);border-radius:14px;padding:28px;border:1px solid var(--line)}
.result .big{font-family:var(--display);font-size:clamp(2.4rem,5vw,3.4rem);color:var(--accent);font-variant-numeric:tabular-nums;line-height:1.1}
.result dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:18px 0 0;font-variant-numeric:tabular-nums}
.result dt{color:var(--muted)}
.result dd{margin:0;font-weight:600;text-align:right}
.result small{display:block;color:var(--muted);margin-top:16px;font-size:.82rem}

/* how it works */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:32px;counter-reset:s}
@media (max-width:820px){.steps{grid-template-columns:1fr}}
.steps li{list-style:none;counter-increment:s;padding-top:18px;border-top:2px solid var(--ink)}
.steps li::before{content:"Step " counter(s);display:block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}
.steps h3{margin-bottom:8px}
.steps p{color:var(--muted)}
.steps ol{padding:0;margin:0}

/* coverage */
.cov{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin-top:32px}
.cov article{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.cov h3{margin-bottom:8px}
.cov p{color:var(--muted);font-size:.96rem}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--accent-soft);color:var(--accent);padding:3px 9px;border-radius:99px;margin-bottom:10px}

/* agent */
.agent{display:grid;grid-template-columns:auto 1fr;gap:clamp(20px,4vw,48px);align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:clamp(22px,4vw,44px)}
.agent>*{min-width:0}
@media (max-width:640px){.agent{grid-template-columns:1fr}}
.agent .monogram{width:120px;height:120px;font-size:2.6rem}
.agent h2{margin-block:6px 12px}
.agent .creds{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:16px;font-size:.92rem;color:var(--muted);font-variant-numeric:tabular-nums}
.agent .creds b{color:var(--ink)}

/* faq */
.faq{max-width:780px;margin-top:28px}
details{border-bottom:1px solid var(--line)}
summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font-weight:600;font-size:1.05rem;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:1.5rem;color:var(--accent);font-weight:400}
details[open] summary::after{content:"–"}
details p{color:var(--muted);padding-bottom:18px;max-width:65ch}

/* final cta */
.cta{background:var(--band);color:var(--band-ink);text-align:center}
.cta h2{margin-bottom:12px}
.cta p{opacity:.8;margin:0 auto 26px;max-width:52ch}
.cta .btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.cta .btn.ghost{color:var(--band-ink);border-color:var(--band-ink)}

/* ratings + reviews */
.stars{color:#e0a21b;letter-spacing:2px}
.rating-line{display:inline-flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:.92rem;font-weight:600;margin-bottom:14px;color:var(--ink);text-decoration:none}
.rating-line span.m{color:var(--muted);font-weight:500}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;text-align:center;margin-bottom:clamp(36px,5vw,56px)}
.stats>div{min-width:0}
.stats b{display:block;font-family:var(--display);font-weight:400;font-size:clamp(2rem,4vw,2.8rem);color:var(--accent);font-variant-numeric:tabular-nums;line-height:1.1}
.stats span{font-size:.9rem;color:var(--muted)}
@media (max-width:700px){.stats{gap:8px}.stats span{font-size:.8rem}}
.badges{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:28px}
@media (max-width:760px){.badges{grid-template-columns:1fr}}
.badge{display:block;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:20px;color:var(--ink);text-decoration:none}
a.badge:hover{border-color:var(--accent)}
.badge b{display:block;font-size:1.05rem;margin:4px 0}
.badge p{color:var(--muted);font-size:.92rem}
.reviews{columns:3 280px;column-gap:16px;margin-top:20px}
.reviews figure{break-inside:avoid;margin:0 0 16px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:20px}
.reviews blockquote{margin:8px 0 14px;font-size:.98rem}
.reviews figcaption{font-size:.88rem;color:var(--muted)}
.reviews figcaption b{color:var(--ink)}
.rev-note{font-size:.85rem;color:var(--muted);margin-top:4px}

/* carriers */
.carriers{padding-block:36px;border-bottom:1px solid var(--line)}
.carriers .eyebrow{text-align:center;color:var(--muted);margin-bottom:18px}
.carrier-list{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 12px}
.carrier-list li{font-weight:600;font-size:.95rem;color:var(--ink);background:var(--surface);border:1px solid var(--line);border-radius:99px;padding:8px 16px;white-space:nowrap}

footer{padding-block:40px;font-size:.85rem;color:var(--muted)}
footer .wrap{display:grid;gap:14px}
footer .top{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}

/* mobile sticky call bar */
.callbar{display:none}
@media (max-width:700px){
  .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:6;gap:10px;background:var(--surface);border-top:1px solid var(--line);
    padding:10px max(16px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px))}
  .callbar .btn{flex:1;padding:.75rem}
  /* leave room on the right for the chat bubble */
  .callbar{padding-right:max(92px,calc(16px + env(safe-area-inset-right,0px)))}
  footer{padding-bottom:110px}
}

/* quote page */
.qpage{padding-block:clamp(24px,5vw,56px) clamp(48px,7vw,80px)}
.qpage .wrap{max-width:640px}
.qpage h1{font-size:clamp(1.9rem,4.5vw,2.7rem);margin-block:10px 10px}
.qpage .lede{margin-bottom:22px}
.est-banner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:6px 16px;background:var(--accent-soft);border:1px solid var(--line);border-radius:var(--r);padding:14px 18px;margin-bottom:18px}
.est-banner b{font-family:var(--display);font-weight:400;font-size:1.5rem;color:var(--accent);font-variant-numeric:tabular-nums}
.est-banner span{color:var(--muted);font-size:.9rem}
.est-banner a{font-size:.88rem;font-weight:600}