:root {
  --ink: #14202b;
  --ink-soft: #2a3a4a;
  --paper: #f7f4ef;
  --paper-2: #efe8dc;
  --steel: #1e3a5f;
  --steel-deep: #12263d;
  --copper: #b85a2a;
  --copper-hover: #9a4a22;
  --copper-soft: #f3e2d6;
  --line: #d4c8b8;
  --ok: #1f6b45;
  --err: #9b1c1c;
  --focus: #0b5fff;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(20, 32, 43, 0.08);
  --max: 1120px;
  --font: "Segoe UI", system-ui, -apple-system, Roboto, "Helvetica Neue", Arial, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.55;
  font-size: 1.05rem;
}
img, svg { max-width: 100%; height: auto; }
a { color: var(--steel); text-decoration-thickness: 1px; text-underline-offset: 0.15em; }
a:hover { color: var(--copper); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
}
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 1000;
  background: var(--steel-deep); color: #fff; padding: .6rem 1rem;
}
.skip-link:focus { left: .5rem; top: .5rem; }
.wrap { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 50;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: .85rem 0; flex-wrap: wrap;
}
.wordmark { display: flex; align-items: center; gap: .7rem; text-decoration: none; color: var(--ink); }
.wordmark .mark {
  width: 2.4rem; height: 2.4rem; border-radius: 8px; background: var(--steel-deep);
  display: grid; place-items: center; flex: 0 0 auto;
}
.wordmark .mark svg { width: 1.35rem; height: 1.35rem; }
.lockup { display: flex; flex-direction: column; line-height: 1.15; }
.lockup-main { font-weight: 750; letter-spacing: -.01em; font-size: 1.05rem; }
.lockup-main span { color: var(--copper); }
.lockup-sub { font-size: .78rem; color: var(--ink-soft); font-weight: 560; }
.nav-toggle {
  display: none;
  appearance: none; border: 1px solid var(--line); background: var(--paper);
  border-radius: 8px; padding: .45rem .75rem; font: inherit; color: var(--ink); cursor: pointer;
}
.nav { display: flex; flex-wrap: wrap; gap: .35rem .9rem; align-items: center; }
.nav a { text-decoration: none; color: var(--ink-soft); font-weight: 600; font-size: .95rem; }
.nav a[aria-current="page"] { color: var(--steel-deep); text-decoration: underline; }
.nav a.btn { color: #fff; }
@media (max-width: 820px) {
  .nav-toggle { display: inline-flex; align-items: center; }
  .nav { display: none; width: 100%; flex-direction: column; align-items: stretch; }
  .nav.open { display: flex; padding-bottom: .5rem; }
  .nav a { padding: .45rem 0; }
}
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .4rem;
  background: var(--copper); color: #fff !important; border: 1px solid var(--copper);
  border-radius: 999px; padding: .65rem 1.15rem; font-weight: 700; text-decoration: none !important;
  cursor: pointer; font: inherit; box-shadow: 0 1px 0 rgba(0,0,0,.06);
}
.btn:hover { background: var(--copper-hover); border-color: var(--copper-hover); color: #fff !important; }
.btn-ghost {
  background: transparent; color: var(--steel-deep) !important; border-color: var(--steel);
}
.btn-ghost:hover { background: var(--copper-soft); color: var(--steel-deep) !important; }
.btn-steel { background: var(--steel); border-color: var(--steel); }
.btn-steel:hover { background: var(--steel-deep); border-color: var(--steel-deep); }
.hero {
  background: linear-gradient(145deg, var(--steel-deep) 0%, var(--steel) 55%, #2f547a 100%);
  color: #f7f4ef; padding: 3rem 0 2.6rem;
}
.hero.plain { background: var(--paper-2); color: var(--ink); padding: 2rem 0 1.4rem; }
.hero .kicker { text-transform: none; letter-spacing: 0; font-size: .85rem; font-weight: 700; opacity: .95; margin: 0 0 .6rem; color: #f3e2d6; }
.hero.plain .kicker { color: var(--copper); opacity: 1; letter-spacing: 0; text-transform: none; }
.hero h1 { margin: 0 0 .75rem; font-size: clamp(1.7rem, 3.4vw, 2.45rem); line-height: 1.15; letter-spacing: -.02em; max-width: 18ch; }
.hero.plain h1 { max-width: none; }
.hero .lead, .lede { font-size: 1.08rem; max-width: 62ch; }
.hero .lead { opacity: .95; margin: 0 0 1.2rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .6rem; }
.section { padding: 2.4rem 0; }
.section-cream { background: #fff; border-block: 1px solid var(--line); }
.prose h2, .section h2 { font-size: 1.45rem; letter-spacing: -.015em; margin: 0 0 .75rem; color: var(--steel-deep); }
.prose p, .prose li { max-width: 70ch; }
.prose ul, .prose ol { padding-left: 1.2rem; }
.grid { display: grid; gap: 1rem; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) { .grid-3 { grid-template-columns: 1fr; } }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.1rem 1.15rem; box-shadow: var(--shadow); text-decoration: none; color: inherit;
  display: block;
}
a.card:hover { border-color: var(--copper); }
.card h3 { margin: 0 0 .4rem; font-size: 1.08rem; color: var(--steel-deep); }
.card p { margin: 0; color: var(--ink-soft); font-size: .95rem; }
.card .more { display: inline-block; margin-top: .7rem; font-weight: 700; color: var(--copper); font-size: .9rem; }
.state-grid, .class-grid, .bond-grid {
  list-style: none; padding: 0; margin: 1rem 0 0;
  display: grid; gap: .75rem; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
}
.state-grid a, .class-grid a, .bond-grid a {
  display: flex; flex-direction: column; gap: .2rem;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: .9rem 1rem; text-decoration: none; color: inherit; box-shadow: var(--shadow);
}
.state-grid a:hover, .class-grid a:hover, .bond-grid a:hover { border-color: var(--copper); }
.state-grid span, .class-grid span, .bond-grid span { color: var(--ink-soft); font-size: .88rem; }
.cta-band {
  background: var(--steel-deep); color: #f7f4ef; border-radius: 16px; padding: 1.6rem 1.4rem;
}
.cta-band h2 { color: #fff; margin-top: 0; }
.cta-band p { max-width: 60ch; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: .35rem; padding: 0; margin: 0 0 1rem; font-size: .9rem; }
.crumbs li:not(:last-child)::after { content: "/"; margin-left: .35rem; color: var(--ink-soft); }
.crumbs a { color: inherit; }
.note {
  background: var(--copper-soft); border: 1px solid #e2c3ad; border-radius: var(--radius);
  padding: .85rem 1rem; margin: 0 0 1rem;
}
.note p { margin: 0; max-width: none; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .9rem; }
.form-grid-3 { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: .9rem; }
@media (max-width: 700px) {
  .form-grid, .form-grid-3 { grid-template-columns: 1fr; }
}
.field { margin-bottom: .9rem; }
.field label { display: block; font-weight: 650; margin-bottom: .35rem; }
.field input, .field select, .field textarea {
  width: 100%; border: 1px solid #b9ab97; border-radius: 8px; padding: .65rem .7rem;
  font: inherit; background: #fff; color: var(--ink);
}
.field textarea { min-height: 8rem; resize: vertical; }
.hint { display: block; color: var(--ink-soft); font-size: .88rem; margin-top: .3rem; font-weight: 500; }
.check { display: flex; gap: .65rem; align-items: flex-start; font-weight: 500; }
.check input { width: 1.15rem; height: 1.15rem; margin-top: .2rem; flex: 0 0 auto; }
.hp-field { position: absolute; left: -10000px; top: auto; width: 1px; height: 1px; overflow: hidden; }
.form-status { margin: .8rem 0; padding: .7rem .85rem; border-radius: 8px; }
.form-status.ok { background: #e5f5ec; color: var(--ok); border: 1px solid #b7e0c7; }
.form-status.err { background: #fdecec; color: var(--err); border: 1px solid #f0b4b4; }
.city-jump { font-size: .92rem; margin: 0 0 1rem; }
.city-group h3 { margin: 1.2rem 0 .4rem; color: var(--steel); }
.city-list { list-style: none; padding: 0; margin: 0; columns: 3; gap: 1.5rem; }
@media (max-width: 800px) { .city-list { columns: 2; } }
@media (max-width: 500px) { .city-list { columns: 1; } }
.city-list li { break-inside: avoid; margin: 0 0 .35rem; }
.faq details {
  background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: .7rem .9rem; margin: 0 0 .55rem;
}
.faq summary { cursor: pointer; font-weight: 700; color: var(--steel-deep); }
.site-footer { background: var(--steel-deep); color: #e8e2d8; padding: 2.4rem 0 1.4rem; margin-top: 2rem; }
.site-footer a { color: #f3e2d6; }
.site-footer h2 { color: #fff; font-size: 1rem; margin: 0 0 .6rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 1.4rem; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: 0 0 .35rem; }
.legal { border-top: 1px solid rgba(255,255,255,.15); margin-top: 1.6rem; padding-top: 1rem; font-size: .88rem; color: #cfc5b6; }
.legal p { max-width: none; }
.pill-row { display: flex; flex-wrap: wrap; gap: .45rem; margin: 1rem 0 0; }
.pill {
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.22);
  border-radius: 999px; padding: .25rem .7rem; font-size: .82rem; font-weight: 600;
}
.hero.plain .pill { background: var(--copper-soft); border-color: #e2c3ad; color: var(--ink); }

.legal-quiet { font-size: .8rem; color: #b8aea0; opacity: .92; }
.legal-quiet p { margin: .35rem 0 0; }
.prose code { font-size: .92em; background: var(--paper-2); padding: .1rem .35rem; border-radius: 4px; }

/* —— Modern quote form card grid (steel/copper — not CIB/BIA/ALI twin) —— */
.fields-2{
  display:grid;grid-template-columns:1fr 1fr;gap:1rem 1.15rem;
  align-items:start;margin:0
}
.fields-3{
  display:grid;grid-template-columns:1.25fr .9fr .75fr;gap:1rem 1.15rem;
  align-items:start;margin:0
}
.quote-panel{
  background:#fff;border:1px solid var(--line);
  border-radius:16px;box-shadow:var(--shadow);
  padding:1.5rem 1.5rem 1.75rem;margin:0 auto 1.5rem;max-width:720px
}
.quote-panel__head{
  margin:0 0 1.15rem;padding-bottom:1rem;
  border-bottom:1px solid var(--line)
}
.quote-panel__badge{
  display:inline-block;margin:0 0 .55rem;padding:.3rem .7rem;
  background:var(--steel-deep);color:#fff;border-radius:999px;
  font-size:.75rem;font-weight:700;letter-spacing:0;text-transform:none;line-height:1.2
}
.quote-panel__head h2{
  margin:0 0 .45rem;font-family:var(--font);
  font-size:clamp(1.35rem,2.4vw,1.75rem);line-height:1.2;color:var(--steel-deep);
  letter-spacing:0;text-transform:none
}
.quote-panel__lede{margin:0;color:var(--ink-soft);font-size:.95rem;line-height:1.55}
.quote-callout{
  border:1px solid #e2c3ad;background:linear-gradient(180deg,#fffaf6,#fff);
  border-radius:12px;padding:.9rem 1.05rem;margin:0 0 .75rem
}
.quote-callout--soft{background:#f7f9fb;border-color:var(--line)}
.quote-callout p{margin:0;font-size:.9rem;line-height:1.55;color:var(--ink);max-width:none}
.quote-form{margin-top:1.1rem;display:block}
.quote-form .field{
  margin:0 0 1rem;min-width:0;display:flex;flex-direction:column;gap:.35rem
}
.quote-form .field > label{
  display:block;font-weight:700;font-size:.92rem;color:var(--ink);
  margin:0;line-height:1.3
}
.quote-form .field .hint,
.quote-form .hint{margin:0;color:var(--ink-soft);font-weight:500;font-size:.84rem}
.quote-form .hint--inline{display:inline;font-weight:500}
.quote-form .field input,
.quote-form .field select,
.quote-form .field textarea{
  display:block;width:100%;max-width:100%;box-sizing:border-box;
  margin:0;font:inherit;color:var(--ink);
  border-radius:10px;border:1px solid #b9ab97;background:#fff;
  padding:.78rem .9rem;min-height:46px;line-height:1.35;
  transition:border-color .15s,box-shadow .15s
}
.quote-form .field textarea{min-height:7.5rem;resize:vertical;padding-top:.85rem}
.quote-form .field input:hover,
.quote-form .field select:hover,
.quote-form .field textarea:hover{border-color:#9a8b78}
.quote-form .field input:focus,
.quote-form .field select:focus,
.quote-form .field textarea:focus{
  border-color:var(--steel);outline:none;box-shadow:0 0 0 3px rgba(30,58,95,.22)
}
.quote-form .field--email > label{color:var(--steel-deep);font-weight:800}
.quote-form .field--email input{border-color:#8fa4bc;background:#f5f8fb}
.quote-step{
  border:1px solid var(--line);border-radius:14px;
  margin:0 0 1.15rem;padding:1.05rem 1.1rem .45rem;background:#faf8f4;
  display:block;min-width:0
}
.quote-step legend{
  display:block;float:none;width:100%;padding:0 0 .7rem;margin:0 0 .55rem;
  font-weight:800;font-size:1rem;letter-spacing:0;text-transform:none;
  color:var(--steel-deep);border-bottom:1px solid var(--line);line-height:1.3
}
.quote-step--submit{background:#fff;border-color:var(--line);padding-bottom:1.1rem}
.quote-submit{
  width:100%;margin-top:.5rem;padding:1rem 1.15rem;font-size:1.05rem;
  border-radius:12px;min-height:50px
}
.consent-box{margin:.5rem 0 .85rem}
.quote-form label.check,
.quote-form label.check--consent{
  display:grid;grid-template-columns:1.25rem 1fr;column-gap:.8rem;row-gap:0;
  align-items:start;width:100%;max-width:100%;box-sizing:border-box;
  margin:0;padding:.95rem 1rem;background:#fff;border:1px solid var(--line);
  border-radius:12px;font-weight:500;cursor:pointer
}
.quote-form label.check input[type=checkbox],
.quote-form label.check--consent input[type=checkbox]{
  grid-column:1;grid-row:1;width:1.15rem;height:1.15rem;margin:.2rem 0 0;
  flex:none;accent-color:var(--steel);cursor:pointer
}
.quote-form label.check .check__text,
.quote-form label.check > span,
.quote-form label.check--consent .check__text,
.quote-form label.check--consent > span{
  grid-column:2;grid-row:1;min-width:0;max-width:100%;
  display:block;font-size:.9rem;line-height:1.55;font-weight:500;
  color:var(--ink);white-space:normal;overflow-wrap:break-word;
  word-break:normal;hyphens:none
}
.quote-form label.check--consent:has(input:focus-visible){
  outline:3px solid var(--focus);outline-offset:2px
}
.quote-form .form-status{margin:.8rem 0;padding:.7rem .85rem;border-radius:8px}
.quote-form .form-status.ok{background:#e5f5ec;color:var(--ok);border:1px solid #b7e0c7}
.quote-form .form-status.err{background:#fdecec;color:var(--err);border:1px solid #f0b4b4}
.quote-form .hp-field{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}
@media (max-width:720px){
  .fields-2,.fields-3,.form-grid,.form-grid-3{grid-template-columns:1fr}
  .quote-panel{padding:1.15rem 1rem 1.35rem;border-radius:14px}
  .quote-step{padding:.9rem .85rem .35rem}
}

.table-wrap{overflow-x:auto;margin:1.2rem 0}.table-wrap table{border-collapse:collapse;width:100%;font-size:.95rem}
.table-wrap th,.table-wrap td{border-bottom:1px solid #d8cfc4;padding:.55rem .7rem;text-align:left;vertical-align:top}.table-wrap thead th{background:#f3ece3}
.city-pills{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.5rem}.city-pills a{display:inline-block;border:1px solid #d8cfc4;border-radius:999px;padding:.3rem .8rem;text-decoration:none}
.faq-block details{border:1px solid #d8cfc4;border-radius:8px;padding:.6rem .9rem;margin:.5rem 0}.faq-block summary{font-weight:600;cursor:pointer}
.field{display:flex;flex-direction:column;gap:.3rem;margin:0 0 1rem}.field input,.field select,.field textarea{font:inherit;padding:.6rem;border:1px solid #b9ab9a;border-radius:6px}
.check{display:flex;gap:.6rem;align-items:flex-start}.hp-field{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{margin-top:1rem;padding:.8rem 1rem;border-radius:8px;background:#f3ece3}.form-status.err{background:#fef2f2}.form-status.ok{background:#f0fdf4}
.county-list p{margin:.35rem 0}.updated{margin-top:2rem;opacity:.85}.note-box{background:#f3ece3;border-left:4px solid #b85a2a;padding:.8rem 1rem}