/* ============================================================
   Beacon Ridge Insurance Group — Mainstay Insurance Mainstream
   Palette: deep teal #1f4f51 · slate-cream #f4efe6 · copper #a05a30
   Type: Fraunces (display + body) + Plus Jakarta Sans (UI)
   ============================================================ */

:root {
  --primary:        #1f4f51;
  --primary-dark:   #143638;
  --bg:             #f4efe6;
  --card:           #ffffff;
  --ink:            #1b1f1e;
  --ink-soft:       #525854;
  --rule:           #cfc6b5;
  --accent-copper:  #a05a30;
  --accent-muted:   #7a8480;
  --shadow:         rgba(20, 54, 56, 0.10);

  --serif: 'Fraunces', Georgia, serif;
  --body:  'Fraunces', Georgia, serif;
  --ui:    'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  font-variation-settings: 'opsz' 14, 'wght' 400, 'SOFT' 100;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; height: auto; }
a {
  color: var(--primary);
  text-decoration: underline;
  text-decoration-color: var(--rule);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.22em;
  transition: text-decoration-color 0.2s, color 0.2s;
}
a:hover { text-decoration-color: var(--accent-copper); color: var(--primary-dark); }

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--ink);
  line-height: 1.15;
}
h1 {
  font-size: clamp(2.75rem, 5vw, 4rem);
  line-height: 1.05;
  letter-spacing: -0.015em;
  font-variation-settings: 'opsz' 144, 'wght' 600, 'SOFT' 50;
  text-wrap: balance;
}
h2 {
  font-size: clamp(2rem, 3.5vw, 2.625rem);
  line-height: 1.15;
  font-variation-settings: 'opsz' 96, 'wght' 500, 'SOFT' 50;
  letter-spacing: -0.012em;
}
h3 {
  font-size: 1.5rem;
  font-variation-settings: 'opsz' 48, 'wght' 600;
}
p { margin-bottom: 1em; }
em {
  font-family: var(--serif);
  font-style: italic;
  font-variation-settings: 'opsz' 32, 'wght' 500;
}

/* ---------- SMALLCAPS ---------- */
.smallcaps {
  font-family: var(--ui);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-weight: 600;
  color: var(--ink-soft);
}
.smallcaps--copper { color: var(--accent-copper); }
.smallcaps--primary { color: var(--primary); }
.smallcaps--cream { color: rgba(244, 239, 230, 0.92); }

/* ---------- LAYOUT WRAPPERS ---------- */
.wrap { max-width: 76rem; margin: 0 auto; padding: 0 1.5rem; }
.wrap--narrow { max-width: 44rem; margin: 0 auto; padding: 0 1.5rem; }
.wrap--medium { max-width: 56rem; margin: 0 auto; padding: 0 1.5rem; }

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

section { padding: 5rem 0; }
section.tight { padding: 3rem 0; }

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

/* ============================================================
   HEADER — sticky, with utility strip (Trusted Choice pill)
   ============================================================ */
.utility-strip {
  background: var(--primary);
  color: var(--bg);
  font-family: var(--ui);
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 600;
  padding: 0.5rem 0;
}
.utility-strip-inner {
  max-width: 76rem;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  flex-wrap: wrap;
  color: rgba(244, 239, 230, 0.92);
}
.utility-strip-inner .tc-glyph {
  width: 14px; height: 14px; flex-shrink: 0;
  background: var(--accent-copper);
  border-radius: 50%;
  display: inline-block;
  box-shadow: 0 0 0 2px rgba(244, 239, 230, 0.18);
}
.utility-strip-inner .sep {
  color: rgba(244, 239, 230, 0.4);
}

.site-header {
  position: sticky;
  top: 0;
  background: var(--bg);
  z-index: 100;
  transition: box-shadow 0.3s ease;
  border-bottom: 1px solid transparent;
}
.site-header.is-scrolled {
  box-shadow: 0 1px 0 var(--rule), 0 4px 16px var(--shadow);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 0;
  gap: 1.5rem;
}
.wordmark {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-variation-settings: 'opsz' 96, 'wght' 600;
  color: var(--primary);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  letter-spacing: -0.01em;
}
.wordmark-glyph {
  width: 22px; height: 22px;
  display: inline-block;
  background: var(--primary);
  -webkit-mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M12 2 L9 8 H15 Z M9 9 H15 V14 H9 Z M10 14 H14 V22 H10 Z' fill='black'/></svg>") center/contain no-repeat;
          mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M12 2 L9 8 H15 Z M9 9 H15 V14 H9 Z M10 14 H14 V22 H10 Z' fill='black'/></svg>") center/contain no-repeat;
}
.wordmark-sub {
  font-family: var(--ui);
  font-size: 0.62rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-soft);
  font-weight: 600;
  display: block;
  margin-top: 0.1rem;
}
.site-nav {
  display: flex;
  gap: 1.75rem;
  align-items: center;
}
.site-nav a {
  font-family: var(--ui);
  font-size: 0.92rem;
  color: var(--ink-soft);
  text-decoration: none;
  font-weight: 500;
  transition: color 0.2s;
}
.site-nav a:hover { color: var(--primary); }
.site-nav a.is-current {
  color: var(--primary);
  border-bottom: 1px solid var(--accent-copper);
  padding-bottom: 0.2rem;
}
.header-actions {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}
.header-phone-block {
  text-align: right;
  line-height: 1.15;
}
.header-phone-eyebrow {
  font-family: var(--ui);
  font-size: 0.65rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-soft);
  font-weight: 600;
}
.header-phone {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.05rem;
  font-variation-settings: 'opsz' 48, 'wght' 500;
  color: var(--primary);
  text-decoration: none;
  display: block;
}
.menu-toggle {
  display: none;
  background: none;
  border: 0;
  cursor: pointer;
  padding: 0.5rem;
  font-size: 1.4rem;
  color: var(--primary);
}

@media (max-width: 1100px) {
  .site-nav { gap: 1.25rem; }
  .site-nav a { font-size: 0.85rem; }
}
@media (max-width: 980px) {
  .site-nav { display: none; }
  .menu-toggle { display: block; }
  .header-phone-block { display: none; }
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  font-family: var(--ui);
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  font-weight: 600;
  padding: 0.85rem 1.5rem;
  text-decoration: none;
  display: inline-block;
  border: 1px solid var(--primary);
  background: transparent;
  color: var(--primary);
  cursor: pointer;
  transition: all 0.2s;
  text-transform: uppercase;
}
.btn:hover { background: var(--primary); color: var(--bg); }
.btn--copper {
  background: var(--accent-copper);
  color: var(--bg);
  border-color: var(--accent-copper);
}
.btn--copper:hover { background: #8a4925; border-color: #8a4925; color: var(--bg); }
.btn--primary {
  background: var(--primary);
  color: var(--bg);
}
.btn--primary:hover { background: var(--primary-dark); }
.btn--ghost {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn--ghost-cream {
  background: transparent;
  color: var(--bg);
  border-color: rgba(244, 239, 230, 0.6);
}
.btn--ghost-cream:hover { background: rgba(244, 239, 230, 0.1); border-color: var(--bg); }
.btn--small { padding: 0.55rem 1rem; font-size: 0.75rem; }

/* ============================================================
   HERO (homepage — full-bleed photo, 80vh)
   ============================================================ */
.hero {
  position: relative;
  height: 80vh;
  min-height: 540px;
  max-height: 820px;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  z-index: 0;
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(20, 54, 56, 0.15) 0%, rgba(20, 54, 56, 0.55) 100%);
}
.hero-card {
  position: relative;
  z-index: 3;
  background: rgba(244, 239, 230, 0.94);
  padding: 3rem 3.5rem;
  max-width: 52rem;
  width: calc(100% - 3rem);
  text-align: center;
  border: 1px solid rgba(160, 90, 48, 0.25);
  box-shadow: 0 12px 48px rgba(20, 54, 56, 0.18);
}
.hero-card .smallcaps {
  display: inline-block;
  margin-bottom: 1.25rem;
  color: var(--accent-copper);
}
.hero-card h1 {
  color: var(--primary-dark);
  margin-bottom: 1.25rem;
  max-width: 22ch;
  margin-left: auto;
  margin-right: auto;
}
.hero-card .hero-sub {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.0625rem;
  color: var(--ink-soft);
  margin-bottom: 2rem;
  font-variation-settings: 'opsz' 32, 'wght' 400;
}
.hero-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}
@media (max-width: 700px) {
  .hero-card { padding: 2rem 1.5rem; }
}

/* ============================================================
   PAGE HERO (interior pages)
   ============================================================ */
.page-hero {
  position: relative;
  padding: 5rem 0 3rem;
  border-bottom: 1px solid var(--rule);
  overflow: hidden;
}
.page-hero.has-bg {
  min-height: 360px;
  padding: 5rem 0;
  display: flex;
  align-items: center;
  color: var(--bg);
}
.page-hero.has-bg .page-hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  z-index: 0;
}
.page-hero.has-bg .page-hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(20, 54, 56, 0.72) 0%, rgba(20, 54, 56, 0.55) 100%);
}
.page-hero.has-bg .wrap { position: relative; z-index: 2; }
.page-hero.has-bg h1 { color: var(--bg); }
.page-hero.has-bg .smallcaps { color: var(--accent-copper); }
.page-hero.has-bg .breadcrumb a, .page-hero.has-bg .breadcrumb { color: rgba(244, 239, 230, 0.8); }

.page-hero h1 {
  max-width: 26ch;
}
.page-hero .smallcaps { display: block; margin-bottom: 1rem; }

.page-hero.dark-band {
  background: var(--primary-dark);
  color: var(--bg);
  padding: 6rem 0 4rem;
  border-bottom: 0;
}
.page-hero.dark-band h1 { color: var(--bg); }
.page-hero.dark-band .smallcaps { color: var(--accent-copper); }
.page-hero.dark-band .breadcrumb, .page-hero.dark-band .breadcrumb a {
  color: rgba(244, 239, 230, 0.7);
}

.breadcrumb {
  font-family: var(--ui);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-soft);
  margin-bottom: 1.5rem;
  font-weight: 500;
}
.breadcrumb a { color: var(--ink-soft); text-decoration: none; }
.breadcrumb a:hover { color: var(--primary); }
.breadcrumb .sep { margin: 0 0.6rem; color: var(--accent-muted); }

/* ============================================================
   TRUST STRIP (homepage section 3 — THE WEDGE)
   ============================================================ */
.trust-strip {
  background: var(--card);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  padding: 2.5rem 0;
}
.trust-strip-inner {
  max-width: 76rem;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2.5rem;
  align-items: center;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  text-decoration: none;
  color: var(--ink);
}
.trust-badge {
  width: 60px; height: 60px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--primary);
  color: var(--bg);
  border-radius: 50%;
  font-family: var(--ui);
  font-weight: 700;
  font-size: 0.65rem;
  text-align: center;
  line-height: 1.1;
  letter-spacing: 0.04em;
  padding: 0.5rem;
}
.trust-badge--copper {
  background: var(--accent-copper);
}
.trust-badge--bigi {
  background: #143b5c;
  font-family: var(--serif);
  font-size: 1.5rem;
  font-style: italic;
  letter-spacing: -0.02em;
  font-variation-settings: 'opsz' 96, 'wght' 600;
}
.trust-text {
  display: flex;
  flex-direction: column;
}
.trust-text strong {
  font-family: var(--ui);
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--primary-dark);
  letter-spacing: -0.005em;
}
.trust-text span {
  font-family: var(--ui);
  font-size: 0.75rem;
  color: var(--ink-soft);
  margin-top: 0.1rem;
}
.trust-pill {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg);
  border: 1px solid var(--accent-copper);
  padding: 1rem 1.25rem;
  font-family: var(--ui);
  text-align: center;
  flex-direction: column;
}
.trust-pill .num {
  font-family: var(--serif);
  font-size: 1.75rem;
  font-variation-settings: 'opsz' 96, 'wght' 600;
  color: var(--accent-copper);
  line-height: 1;
  letter-spacing: -0.02em;
}
.trust-pill .lbl {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-soft);
  font-weight: 600;
  margin-top: 0.35rem;
}
@media (max-width: 900px) {
  .trust-strip-inner { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
}
@media (max-width: 540px) {
  .trust-strip-inner { grid-template-columns: 1fr; }
}

/* ============================================================
   THREE-TRACK PRODUCT SPLIT (Personal / Business / Life)
   ============================================================ */
.tracks {
  padding: 5rem 0;
}
.tracks-header {
  text-align: center;
  margin-bottom: 3.5rem;
}
.tracks-header h2 { margin-bottom: 0.5rem; }
.tracks-header p { color: var(--ink-soft); max-width: 50ch; margin: 0 auto; }
.tracks-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.track-card {
  background: var(--card);
  border: 1px solid var(--rule);
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  transition: transform 0.3s, box-shadow 0.3s;
}
.track-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 32px var(--shadow);
}
.track-card-img {
  aspect-ratio: 16/9;
  background-size: cover;
  background-position: center;
}
.track-card-body {
  padding: 2rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.track-card-body .smallcaps {
  color: var(--accent-copper);
  margin-bottom: 0.75rem;
}
.track-card-body h2 {
  font-size: 1.75rem;
  margin-bottom: 0.75rem;
  color: var(--primary-dark);
}
.track-card-body p {
  color: var(--ink-soft);
  flex: 1;
  font-size: 0.98rem;
}
.track-card-list {
  list-style: none;
  margin: 1.25rem 0;
  padding: 1rem 0;
  border-top: 1px solid var(--rule);
}
.track-card-list li {
  padding: 0.3rem 0;
  font-family: var(--ui);
  font-size: 0.85rem;
  color: var(--ink-soft);
}
.track-card-list li::before {
  content: '— ';
  color: var(--accent-copper);
  margin-right: 0.3rem;
}
.track-card-cta {
  font-family: var(--ui);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: var(--primary);
  text-transform: uppercase;
  margin-top: auto;
}
@media (max-width: 900px) {
  .tracks-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   INDEPENDENT VS CAPTIVE DARK BAND
   ============================================================ */
.dark-band {
  background: var(--primary-dark);
  color: var(--bg);
  padding: 5rem 0;
}
.dark-band h2 { color: var(--bg); margin-bottom: 1.5rem; }
.dark-band .smallcaps { color: var(--accent-copper); }
.dark-band p { color: rgba(244, 239, 230, 0.82); }
.dark-band em { color: var(--bg); }

.indie-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.indie-essay p {
  font-size: 1.0625rem;
  line-height: 1.7;
  margin-bottom: 1rem;
}
.indie-essay blockquote {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.375rem;
  line-height: 1.4;
  color: var(--bg);
  border-left: 2px solid var(--accent-copper);
  padding: 0.5rem 0 0.5rem 1.5rem;
  margin: 1.5rem 0;
  font-variation-settings: 'opsz' 72, 'wght' 400;
}
.indie-essay blockquote cite {
  display: block;
  font-style: normal;
  font-family: var(--ui);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: rgba(244, 239, 230, 0.6);
  margin-top: 0.75rem;
}
.indie-compare {
  border: 1px solid rgba(244, 239, 230, 0.22);
  background: rgba(244, 239, 230, 0.04);
}
.indie-compare-head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  font-family: var(--ui);
  text-transform: uppercase;
  font-size: 0.75rem;
  letter-spacing: 0.14em;
  font-weight: 700;
}
.indie-compare-head > div {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid rgba(244, 239, 230, 0.22);
}
.indie-compare-head > div:first-child {
  border-right: 1px solid rgba(244, 239, 230, 0.22);
  color: rgba(244, 239, 230, 0.65);
}
.indie-compare-head > div:last-child { color: var(--accent-copper); }
.indie-compare-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-bottom: 1px solid rgba(244, 239, 230, 0.12);
}
.indie-compare-row:last-child { border-bottom: 0; }
.indie-compare-row > div {
  padding: 1rem 1.25rem;
  font-size: 0.95rem;
  color: rgba(244, 239, 230, 0.82);
}
.indie-compare-row > div:first-child {
  border-right: 1px solid rgba(244, 239, 230, 0.12);
}
@media (max-width: 900px) {
  .indie-grid { grid-template-columns: 1fr; gap: 2.5rem; }
}

/* ============================================================
   CARRIER LOGO STRIP (typeset wordmarks)
   ============================================================ */
.carrier-strip {
  background: var(--card);
  padding: 4.5rem 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.carrier-strip h3 {
  text-align: center;
  font-family: var(--serif);
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
  color: var(--primary-dark);
  font-variation-settings: 'opsz' 48, 'wght' 500;
}
.carrier-strip .strip-sub {
  text-align: center;
  font-family: var(--ui);
  font-size: 0.85rem;
  color: var(--ink-soft);
  margin-bottom: 2.5rem;
}
.carrier-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 0.75rem;
  max-width: 76rem;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.carrier-cell {
  background: var(--bg);
  border: 1px solid var(--rule);
  border-top: 2px solid var(--accent-copper);
  padding: 1.25rem 0.75rem;
  text-align: center;
  font-family: var(--serif);
  font-size: 0.95rem;
  font-variation-settings: 'opsz' 48, 'wght' 600;
  color: var(--primary);
  line-height: 1.2;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 70px;
  letter-spacing: -0.005em;
}
.carrier-strip-cta {
  text-align: center;
  margin-top: 2.5rem;
}
@media (max-width: 1000px) { .carrier-grid { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 700px) { .carrier-grid { grid-template-columns: repeat(2, 1fr); } }

/* ============================================================
   CARRIER PAGE — full grid w/ description cards
   ============================================================ */
.carrier-detail-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.carrier-detail-card {
  background: var(--card);
  border: 1px solid var(--rule);
  border-top: 2px solid var(--accent-copper);
  padding: 1.75rem 1.5rem;
  display: flex;
  flex-direction: column;
}
.carrier-detail-card .wordmark-cell {
  font-family: var(--serif);
  font-size: 1.5rem;
  font-variation-settings: 'opsz' 96, 'wght' 600;
  color: var(--primary);
  letter-spacing: -0.005em;
  margin-bottom: 0.6rem;
  line-height: 1.1;
}
.carrier-detail-card .meta {
  font-family: var(--ui);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-copper);
  font-weight: 600;
  margin-bottom: 1rem;
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}
.carrier-detail-card .meta .sep { color: var(--rule); }
.carrier-detail-card p {
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--ink-soft);
}
@media (max-width: 900px) { .carrier-detail-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .carrier-detail-grid { grid-template-columns: 1fr; } }

/* ============================================================
   TESTIMONIAL BLOCK
   ============================================================ */
.testimonial {
  max-width: 56rem;
  margin: 0 auto;
  padding: 6rem 1.5rem;
  text-align: center;
}
.testimonial-rule {
  width: 4rem;
  height: 2px;
  background: var(--accent-copper);
  margin: 0 auto 2rem;
}
.testimonial blockquote {
  font-family: var(--serif);
  font-style: italic;
  font-size: clamp(1.375rem, 2.5vw, 1.75rem);
  line-height: 1.4;
  color: var(--primary-dark);
  margin-bottom: 2rem;
  font-variation-settings: 'opsz' 96, 'wght' 400;
}
.testimonial cite {
  font-style: normal;
  font-family: var(--ui);
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  font-weight: 600;
}

/* ============================================================
   TEAM GRID
   ============================================================ */
.team-section {
  padding: 5rem 0;
  background: var(--bg);
}
.team-section-header {
  text-align: center;
  margin-bottom: 3rem;
}
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
}
.team-grid--five { grid-template-columns: repeat(5, 1fr); }
.team-card {
  text-align: left;
}
.team-card-photo {
  aspect-ratio: 4/5;
  background-size: cover;
  background-position: center;
  background-color: var(--rule);
  margin-bottom: 1rem;
  filter: saturate(0.94);
}
.team-card-name {
  font-family: var(--serif);
  font-size: 1.125rem;
  font-variation-settings: 'opsz' 48, 'wght' 600;
  color: var(--primary-dark);
  margin-bottom: 0.1rem;
  letter-spacing: -0.005em;
}
.team-card-designation {
  font-family: var(--ui);
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-copper);
  font-weight: 700;
  margin-bottom: 0.4rem;
}
.team-card-role {
  font-family: var(--ui);
  font-size: 0.85rem;
  color: var(--ink-soft);
}
.team-card-contact {
  font-family: var(--ui);
  font-size: 0.8rem;
  color: var(--ink-soft);
  margin-top: 0.5rem;
  line-height: 1.5;
}
.team-card-contact a { color: var(--primary); text-decoration: none; }
@media (max-width: 1000px) {
  .team-grid, .team-grid--five { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 700px) {
  .team-grid, .team-grid--five { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 460px) {
  .team-grid, .team-grid--five { grid-template-columns: 1fr; }
}

/* ============================================================
   INDUSTRY EXPERTISE GRID
   ============================================================ */
.industry-section {
  padding: 5rem 0;
  border-top: 1px solid var(--rule);
}
.industry-header { text-align: center; margin-bottom: 3rem; }
.industry-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}
.industry-card {
  background: var(--card);
  border: 1px solid var(--rule);
  padding: 2rem;
  display: flex;
  flex-direction: column;
}
.industry-card-icon {
  width: 40px;
  height: 40px;
  margin-bottom: 1rem;
  color: var(--primary);
}
.industry-card-icon svg { width: 100%; height: 100%; }
.industry-card h3 {
  font-size: 1.25rem;
  color: var(--primary-dark);
  margin-bottom: 0.75rem;
}
.industry-card p {
  color: var(--ink-soft);
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: 1rem;
  flex: 1;
}
.industry-card-cta {
  font-family: var(--ui);
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  font-weight: 600;
  color: var(--primary);
  text-transform: uppercase;
  text-decoration: none;
}
@media (max-width: 900px) { .industry-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .industry-grid { grid-template-columns: 1fr; } }

/* ============================================================
   GET A QUOTE — INLINE FORM (homepage)
   ============================================================ */
.quote-inline {
  background: var(--bg);
  padding: 5rem 0;
  border-top: 1px solid var(--rule);
}
.quote-inline-card {
  max-width: 56rem;
  margin: 0 auto;
  padding: 3rem;
  background: var(--card);
  border: 1px solid var(--primary);
  border-top: 3px solid var(--primary);
}
.quote-inline-card h2 {
  color: var(--primary-dark);
  margin-bottom: 0.5rem;
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  text-align: center;
}
.quote-inline-card .lead {
  text-align: center;
  color: var(--ink-soft);
  margin-bottom: 2.5rem;
}
.quote-disclaimer {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.92rem;
  color: var(--accent-copper);
  text-align: center;
  margin-top: 1rem;
  line-height: 1.5;
}

/* ============================================================
   FORM ELEMENTS
   ============================================================ */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem 1.5rem;
}
.form-grid .form-row--full { grid-column: 1 / -1; }
.form-row { margin-bottom: 0; }
.form-row label {
  display: block;
  font-family: var(--ui);
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 0.4rem;
  font-weight: 600;
}
.form-row input,
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 0.75rem 0;
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--rule);
  font-family: var(--body);
  font-size: 1rem;
  color: var(--ink);
  outline: none;
  resize: vertical;
  border-radius: 0;
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  border-bottom-color: var(--primary);
}
.checkbox-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.5rem 1rem;
  margin-top: 0.5rem;
}
.checkbox-grid label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--ui);
  font-size: 0.9rem;
  color: var(--ink);
  text-transform: none;
  letter-spacing: normal;
  font-weight: 400;
  cursor: pointer;
}
.checkbox-grid input[type="checkbox"] {
  width: auto;
  accent-color: var(--primary);
}
.form-submit-row {
  text-align: center;
  margin-top: 2rem;
}
.form-submit {
  background: var(--accent-copper);
  color: var(--bg);
  border: 0;
  padding: 1rem 2.5rem;
  font-family: var(--ui);
  font-size: 0.85rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s;
}
.form-submit:hover { background: #8a4925; }

@media (max-width: 700px) {
  .form-grid { grid-template-columns: 1fr; }
  .checkbox-grid { grid-template-columns: 1fr; }
  .quote-inline-card { padding: 2rem 1.5rem; }
}

/* ============================================================
   SERVICE AREA + MAP
   ============================================================ */
.service-area-section {
  border-top: 1px solid var(--rule);
}
.service-area-grid {
  display: grid;
  grid-template-columns: 5fr 4fr;
  gap: 0;
  align-items: stretch;
}
.area-map-frame {
  width: 100%;
  height: 100%;
  min-height: 420px;
  border: 0;
}
.service-area-info {
  padding: 4rem 3rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.service-area-info h2 { color: var(--primary-dark); margin-bottom: 1rem; }
.service-area-info .smallcaps { display: block; margin-bottom: 1rem; }
.service-area-info p { color: var(--ink-soft); line-height: 1.7; margin-bottom: 0.75rem; }
.service-area-info address {
  font-style: normal;
  font-family: var(--ui);
  font-size: 0.95rem;
  margin: 1rem 0;
  color: var(--ink);
  font-weight: 500;
}
@media (max-width: 900px) {
  .service-area-grid { grid-template-columns: 1fr; }
  .service-area-info { padding: 3rem 1.5rem; }
}

/* ============================================================
   ARTICLE PROSE (about, LOB pages, etc.)
   ============================================================ */
.article-prose {
  font-family: var(--body);
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--ink);
}
.article-prose p { margin-bottom: 1.25rem; }
.article-prose h2 {
  margin: 3rem 0 1rem;
  color: var(--primary-dark);
}
.article-prose h3 {
  margin: 2rem 0 0.75rem;
  color: var(--primary-dark);
}
.article-prose blockquote {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.5rem;
  line-height: 1.4;
  color: var(--primary-dark);
  border-left: 2px solid var(--accent-copper);
  padding: 0.5rem 0 0.5rem 1.5rem;
  margin: 2.5rem 0;
  font-variation-settings: 'opsz' 96, 'wght' 400;
}
.article-prose blockquote cite {
  display: block;
  font-style: normal;
  font-family: var(--ui);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-soft);
  margin-top: 1rem;
}
.article-prose ul, .article-prose ol {
  margin: 1rem 0 1.5rem 1.5rem;
}
.article-prose li { margin-bottom: 0.5rem; }
.article-prose a { color: var(--primary); text-decoration: underline; text-decoration-color: var(--accent-copper); }

.pull-quote {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.625rem;
  line-height: 1.4;
  color: var(--primary-dark);
  text-align: center;
  max-width: 36rem;
  margin: 3rem auto;
  padding: 2rem 1.5rem;
  border-top: 2px solid var(--accent-copper);
  border-bottom: 2px solid var(--accent-copper);
  font-variation-settings: 'opsz' 96, 'wght' 400;
}

/* ============================================================
   DEFINITION LISTS (LOB pages — coverage detail)
   ============================================================ */
dl.coverage-list {
  display: grid;
  grid-template-columns: max-content 1fr;
  gap: 0.75rem 1.75rem;
  margin: 1.5rem 0 2rem;
  padding: 1.5rem 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
dl.coverage-list dt {
  font-family: var(--ui);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-copper);
  font-weight: 700;
  align-self: start;
  padding-top: 0.2rem;
}
dl.coverage-list dd {
  font-size: 1.0625rem;
  color: var(--ink);
  line-height: 1.6;
}
@media (max-width: 700px) {
  dl.coverage-list { grid-template-columns: 1fr; gap: 0.25rem 0; }
  dl.coverage-list dt { padding-top: 0.75rem; }
}

/* ============================================================
   DETAIL PAGE LAYOUT (LOB pages w/ sticky right rail)
   ============================================================ */
.detail-layout {
  display: grid;
  grid-template-columns: 1fr 19rem;
  gap: 4rem;
  max-width: 72rem;
  margin: 0 auto;
  padding: 4rem 1.5rem;
  align-items: start;
}
.detail-sidebar {
  position: sticky;
  top: 7rem;
  padding: 2rem;
  border: 1px solid var(--rule);
  border-top: 3px solid var(--accent-copper);
  background: var(--card);
}
.detail-sidebar h3 {
  font-family: var(--ui);
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-copper);
  margin-bottom: 0.5rem;
  font-weight: 700;
}
.detail-sidebar .sidebar-phone {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.5rem;
  font-variation-settings: 'opsz' 96, 'wght' 500;
  color: var(--primary);
  text-decoration: none;
  display: block;
  margin: 0.25rem 0 1rem;
}
.detail-sidebar p {
  font-size: 0.92rem;
  line-height: 1.55;
  color: var(--ink-soft);
}
.detail-sidebar .sidebar-cta {
  display: block;
  background: var(--accent-copper);
  color: var(--bg);
  padding: 0.85rem 1rem;
  text-align: center;
  margin: 1.25rem 0;
  font-family: var(--ui);
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  font-weight: 700;
  text-decoration: none;
  text-transform: uppercase;
}
.detail-sidebar .sidebar-cta:hover { background: #8a4925; }
.sidebar-links {
  border-top: 1px solid var(--rule);
  padding-top: 1.25rem;
  margin-top: 0.5rem;
}
.sidebar-links a {
  display: block;
  padding: 0.4rem 0;
  text-decoration: none;
  color: var(--ink);
  font-family: var(--ui);
  font-size: 0.88rem;
  font-weight: 500;
}
.sidebar-links a:hover { color: var(--accent-copper); }
@media (max-width: 980px) {
  .detail-layout { grid-template-columns: 1fr; gap: 2rem; }
  .detail-sidebar { position: static; }
}

/* ============================================================
   LOB ALTERNATING BLOCKS (personal-insurance hub)
   ============================================================ */
.lob-block {
  display: grid;
  grid-template-columns: 5fr 6fr;
  gap: 3.5rem;
  align-items: center;
  margin-bottom: 5rem;
}
.lob-block.reverse > :first-child { order: 2; }
.lob-block-img {
  aspect-ratio: 4/3;
  background-size: cover;
  background-position: center;
  background-color: var(--rule);
}
.lob-block-body .smallcaps {
  color: var(--accent-copper);
  margin-bottom: 0.75rem;
  display: block;
}
.lob-block-body h2 {
  margin-bottom: 1rem;
  color: var(--primary-dark);
}
.lob-block-body p {
  color: var(--ink-soft);
  line-height: 1.7;
  margin-bottom: 1rem;
}
@media (max-width: 800px) {
  .lob-block { grid-template-columns: 1fr; gap: 1.5rem; margin-bottom: 3rem; }
  .lob-block.reverse > :first-child { order: 0; }
}

/* ============================================================
   FAQ
   ============================================================ */
.faq-section { padding: 4rem 0; border-top: 1px solid var(--rule); }
.faq-list {
  max-width: 48rem;
  margin: 2rem auto 0;
}
.faq-item {
  border-bottom: 1px solid var(--rule);
  padding: 1.5rem 0;
}
.faq-item:first-child { border-top: 1px solid var(--rule); }
.faq-q {
  font-family: var(--serif);
  font-size: 1.25rem;
  font-variation-settings: 'opsz' 72, 'wght' 600;
  color: var(--primary-dark);
  margin-bottom: 0.75rem;
}
.faq-a {
  color: var(--ink);
  font-size: 1rem;
  line-height: 1.65;
}

/* ============================================================
   COMMERCIAL COVERAGE ROW (business-insurance)
   ============================================================ */
.coverage-row {
  display: grid;
  grid-template-columns: 1fr 3fr;
  gap: 2.5rem;
  padding: 2.5rem 0;
  border-bottom: 1px solid var(--rule);
}
.coverage-row:first-child { border-top: 1px solid var(--rule); }
.coverage-row h3 {
  color: var(--primary-dark);
  font-size: 1.5rem;
}
.coverage-row .smallcaps { color: var(--accent-copper); display: block; margin-bottom: 0.25rem; }
.coverage-row p { color: var(--ink-soft); line-height: 1.65; margin-bottom: 0.75rem; }
.coverage-row .carriers-line {
  font-family: var(--ui);
  font-size: 0.85rem;
  color: var(--ink-soft);
  border-left: 2px solid var(--accent-copper);
  padding-left: 1rem;
  margin-top: 1rem;
}
.coverage-row .carriers-line strong {
  font-family: var(--ui);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.72rem;
  color: var(--accent-copper);
  display: block;
  margin-bottom: 0.3rem;
}
@media (max-width: 800px) {
  .coverage-row { grid-template-columns: 1fr; gap: 1rem; }
}

/* ============================================================
   CLAIM PAGE
   ============================================================ */
.claim-actions {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin: 3rem 0;
}
.claim-card {
  padding: 2rem;
  display: flex;
  flex-direction: column;
}
.claim-card--primary {
  background: var(--accent-copper);
  color: var(--bg);
}
.claim-card--secondary {
  background: var(--primary);
  color: var(--bg);
}
.claim-card--ghost {
  background: var(--card);
  color: var(--ink);
  border: 1px solid var(--rule);
}
.claim-card .smallcaps {
  color: rgba(244, 239, 230, 0.85);
  margin-bottom: 0.75rem;
  display: block;
}
.claim-card--ghost .smallcaps { color: var(--accent-copper); }
.claim-card h3 {
  font-family: var(--serif);
  color: inherit;
  margin-bottom: 0.5rem;
}
.claim-card p { color: inherit; opacity: 0.92; flex: 1; font-size: 0.95rem; }
.claim-phone {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.75rem;
  font-variation-settings: 'opsz' 96, 'wght' 600;
  color: var(--bg);
  text-decoration: none;
  display: block;
  margin: 0.75rem 0;
}
.claim-card--ghost .claim-phone { color: var(--primary); }
.claim-card .btn {
  margin-top: auto;
  background: rgba(244, 239, 230, 0.18);
  color: var(--bg);
  border-color: rgba(244, 239, 230, 0.55);
  text-align: center;
}
.claim-card--ghost .btn {
  background: var(--primary);
  color: var(--bg);
  border-color: var(--primary);
}
@media (max-width: 900px) { .claim-actions { grid-template-columns: 1fr; } }

.carrier-claim-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
}
.carrier-claim-table th, .carrier-claim-table td {
  padding: 0.85rem 0.75rem;
  text-align: left;
  border-bottom: 1px solid var(--rule);
  font-size: 0.95rem;
}
.carrier-claim-table th {
  font-family: var(--ui);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--accent-copper);
  font-weight: 700;
  border-bottom: 2px solid var(--primary);
}
.carrier-claim-table td.carrier {
  font-family: var(--serif);
  font-variation-settings: 'opsz' 48, 'wght' 600;
  color: var(--primary-dark);
}
.carrier-claim-table td.phone {
  font-family: var(--ui);
  font-variant-numeric: tabular-nums;
  text-align: right;
  white-space: nowrap;
}
.carrier-claim-table td.phone a { color: var(--primary); text-decoration: none; font-weight: 600; }
@media (max-width: 600px) {
  .carrier-claim-table td.phone { text-align: left; }
  .carrier-claim-table { font-size: 0.85rem; }
}

.process-list {
  counter-reset: step;
  list-style: none;
  margin: 2rem 0;
  padding: 0;
}
.process-list li {
  counter-increment: step;
  padding: 1.5rem 0 1.5rem 4rem;
  position: relative;
  border-bottom: 1px solid var(--rule);
  font-size: 1.0625rem;
  line-height: 1.55;
}
.process-list li::before {
  content: counter(step, decimal-leading-zero);
  position: absolute;
  left: 0;
  top: 1.4rem;
  font-family: var(--serif);
  font-size: 1.75rem;
  font-variation-settings: 'opsz' 96, 'wght' 500;
  color: var(--accent-copper);
  line-height: 1;
}
.process-list li strong {
  font-family: var(--serif);
  font-size: 1.25rem;
  color: var(--primary-dark);
  display: block;
  margin-bottom: 0.25rem;
  font-variation-settings: 'opsz' 72, 'wght' 600;
}

/* ============================================================
   QUOTE PAGE — MULTI-SECTION FORM
   ============================================================ */
.quote-form-section {
  background: var(--card);
  border: 1px solid var(--rule);
  border-top: 3px solid var(--accent-copper);
  padding: 2.5rem 3rem;
  margin-bottom: 2rem;
}
.quote-form-section h2 {
  font-size: 1.5rem;
  color: var(--primary-dark);
  margin-bottom: 0.5rem;
}
.quote-form-section .smallcaps {
  color: var(--accent-copper);
  margin-bottom: 0.75rem;
  display: block;
}
.quote-form-section .section-num {
  font-family: var(--serif);
  font-size: 2.5rem;
  font-variation-settings: 'opsz' 144, 'wght' 500;
  color: var(--accent-copper);
  line-height: 1;
  margin-bottom: 1rem;
  display: block;
}
.privacy-note {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.95rem;
  color: var(--accent-copper);
  text-align: center;
  max-width: 44rem;
  margin: 2rem auto;
  line-height: 1.6;
  padding: 1.5rem;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
@media (max-width: 700px) { .quote-form-section { padding: 2rem 1.5rem; } }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 5fr 4fr;
  gap: 4rem;
  max-width: 72rem;
  margin: 0 auto;
  padding: 4rem 1.5rem;
}
.contact-form-card {
  background: var(--card);
  padding: 2.5rem;
  border: 1px solid var(--rule);
  border-top: 3px solid var(--accent-copper);
}
.contact-form-card h2 {
  color: var(--primary-dark);
  margin-bottom: 1rem;
}
.contact-info { padding: 2rem 0; }
.contact-info .big-phone {
  font-family: var(--serif);
  font-style: italic;
  font-size: 2.25rem;
  font-variation-settings: 'opsz' 144, 'wght' 500;
  letter-spacing: -0.015em;
  display: block;
  margin: 0.25rem 0 1.5rem;
  color: var(--primary);
  text-decoration: none;
}
.contact-info .label {
  font-family: var(--ui);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-copper);
  font-weight: 700;
  margin: 1.5rem 0 0.5rem;
  display: block;
}
.contact-info .label:first-of-type { margin-top: 0; }
.contact-info p { font-size: 1.0625rem; line-height: 1.65; color: var(--ink); margin-bottom: 0.3rem; }
.contact-info a { color: var(--primary); }

.contact-map-frame {
  width: 100%;
  aspect-ratio: 21/9;
  border: 0;
  display: block;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 3rem;
  padding: 4rem 1.5rem;
  max-width: 72rem;
  margin: 0 auto;
}
.info-grid .smallcaps { color: var(--accent-copper); display: block; margin-bottom: 0.5rem; }
.info-grid h3 {
  font-family: var(--serif);
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
  color: var(--primary-dark);
}
.info-grid p { color: var(--ink-soft); line-height: 1.65; font-size: 0.95rem; }

@media (max-width: 800px) {
  .contact-grid { grid-template-columns: 1fr; gap: 2rem; padding: 3rem 1.5rem; }
  .info-grid { grid-template-columns: 1fr; gap: 2rem; }
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--primary-dark);
  color: var(--bg);
  padding: 4rem 0 1.5rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 5fr 3fr 3fr 4fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer h4 {
  font-family: var(--ui);
  font-size: 0.72rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-copper);
  margin-bottom: 1.25rem;
  font-weight: 700;
}
.footer .wordmark { color: var(--bg); margin-bottom: 1rem; }
.footer .wordmark-glyph { background: var(--accent-copper); }
.footer-mission {
  color: rgba(244, 239, 230, 0.78);
  font-size: 0.95rem;
  line-height: 1.65;
  margin-bottom: 1.25rem;
  max-width: 30ch;
}
.footer-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-top: 1rem;
}
.footer-badge {
  font-family: var(--ui);
  font-size: 0.68rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(244, 239, 230, 0.78);
  font-weight: 600;
  padding: 0.4rem 0.75rem;
  border: 1px solid rgba(244, 239, 230, 0.22);
}
.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.footer-nav a {
  color: rgba(244, 239, 230, 0.78);
  text-decoration: none;
  font-family: var(--ui);
  font-size: 0.92rem;
}
.footer-nav a:hover { color: var(--bg); }
.footer-nap p {
  color: rgba(244, 239, 230, 0.85);
  font-size: 0.92rem;
  line-height: 1.65;
  margin-bottom: 0.5rem;
}
.footer-nap a { color: rgba(244, 239, 230, 0.95); text-decoration: none; }
.footer-nap .after-hours {
  font-size: 0.82rem;
  color: rgba(244, 239, 230, 0.6);
  font-style: italic;
  border-top: 1px solid rgba(244, 239, 230, 0.18);
  padding-top: 0.75rem;
  margin-top: 0.75rem;
}

.state-compliance {
  border-top: 1px solid rgba(244, 239, 230, 0.18);
  padding-top: 1.25rem;
  font-family: var(--ui);
  font-size: 0.72rem;
  letter-spacing: 0.04em;
  color: rgba(244, 239, 230, 0.6);
  line-height: 1.65;
}

.footer-bottom {
  border-top: 1px solid rgba(244, 239, 230, 0.18);
  padding-top: 1.25rem;
  margin-top: 1.25rem;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-family: var(--ui);
  font-size: 0.78rem;
  color: rgba(244, 239, 230, 0.55);
}
.footer-bottom em {
  font-family: var(--serif);
  font-style: italic;
  color: rgba(244, 239, 230, 0.7);
}

@media (max-width: 980px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
}
@media (max-width: 640px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}