/* Four Seasons Insurance and Financial Agency, LLC
   One stylesheet for all four pages. Plain CSS, no build step.
   Contrast notes: the logo orange (--brand) is for shapes and accents only.
   Orange text uses --brand-text, buttons use --btn. Both pass WCAG AA. */

/* ---------- tokens: light (default) ---------- */
:root{
  color-scheme:light;
  --paper:#FFFFFF; --sand:#FAF8F5; --card:#FFFFFF; --tint:#FDF1E6; --fall-bg:#FBF3E7;
  --ink:#1E2226; --ink-2:#4E555C; --ink-3:#5C636B;
  --line:#E4E0DA; --line-2:#F0EDE8; --field:#8E877D;
  --brand:#E4731D; --brand-text:#A44C0E;
  --btn:#B95710; --btn-hover:#9A480D; --on-btn:#FFFFFF;
  --dark-band:#2B3035; --on-dark:#F4F1EC; --on-dark-2:#D6D2CC; --on-dark-3:#B9B4AD; --accent-on-dark:#F2954D;
  --fall:#E8C79A; --winter:#A9C6D2; --spring:#B7CF97; --summer:#EFD98F;
  --ok:#2F7A4F; --on-ok:#FFFFFF; --err:#B3392F; --err-bg:#FDF3F2;
  --foot:#2B3035; --foot-ink:#D6D2CC; --foot-dim:#B9B4AD; --foot-line:#43494F;
  --shot:#EDE9E3;
  --ring:#A44C0E; --ring-on-dark:#F2954D;
  --shadow:0 1px 2px rgba(30,34,38,.05),0 10px 30px rgba(30,34,38,.07);
  --ul:none;
}
/* ---------- dark ---------- */
:root[data-theme="dark"]{
  color-scheme:dark;
  --paper:#161819; --sand:#1B1E20; --card:#1F2326; --tint:#2E241B; --fall-bg:#2A2219;
  --ink:#F2EFEA; --ink-2:#CFCAC2; --ink-3:#ABA59C;
  --line:#353A3F; --line-2:#2A2E32; --field:#7D776E;
  --brand:#F08A3C; --brand-text:#F2954D;
  --btn:#F08A3C; --btn-hover:#F5A35F; --on-btn:#161819;
  --dark-band:#0F1112; --on-dark:#F2EFEA; --on-dark-2:#CFCAC2; --on-dark-3:#ABA59C; --accent-on-dark:#F2954D;
  --ok:#6FCF97; --on-ok:#0E1A13; --err:#F28B82; --err-bg:#2C1714;
  --foot:#0F1112; --foot-ink:#CFCAC2; --foot-dim:#ABA59C; --foot-line:#2A2E32;
  --shot:#2A2723;
  --ring:#F2954D; --ring-on-dark:#F2954D;
  --shadow:0 1px 2px rgba(0,0,0,.5),0 10px 30px rgba(0,0,0,.35);
}
/* ---------- high contrast, over either theme ---------- */
:root[data-contrast="high"]{
  --paper:#FFFFFF; --sand:#FFFFFF; --card:#FFFFFF; --tint:#FFFFFF; --fall-bg:#FFFFFF;
  --ink:#000000; --ink-2:#141414; --ink-3:#2B2B2B;
  --line:#2B2B2B; --line-2:#767676; --field:#000000;
  --brand:#7A3608; --brand-text:#7A3608;
  --btn:#7A3608; --btn-hover:#4F2205; --on-btn:#FFFFFF;
  --dark-band:#000000; --on-dark:#FFFFFF; --on-dark-2:#FFFFFF; --on-dark-3:#EDEDED; --accent-on-dark:#FFB070;
  --ok:#0B4A2A; --on-ok:#FFFFFF; --err:#7A0F09; --err-bg:#FFFFFF;
  --foot:#000000; --foot-ink:#FFFFFF; --foot-dim:#EDEDED; --foot-line:#767676;
  --shot:#EDEDED;
  --ring:#000000; --ring-on-dark:#FFFFFF;
  --shadow:none; --ul:underline;
}
:root[data-theme="dark"][data-contrast="high"]{
  --paper:#000000; --sand:#000000; --card:#0B0B0B; --tint:#000000; --fall-bg:#000000;
  --ink:#FFFFFF; --ink-2:#F2F2F2; --ink-3:#DADADA;
  --line:#C8C8C8; --line-2:#7A7A7A; --field:#FFFFFF;
  --brand:#FFB070; --brand-text:#FFB070;
  --btn:#FFB070; --btn-hover:#FFC896; --on-btn:#000000;
  --dark-band:#000000; --on-dark:#FFFFFF; --on-dark-2:#F0F0F0; --on-dark-3:#E4E4E4; --accent-on-dark:#FFB070;
  --ok:#7ADCB4; --on-ok:#000000; --err:#FF9E96; --err-bg:#000000;
  --foot:#000000; --foot-ink:#FFFFFF; --foot-dim:#E0E0E0; --foot-line:#8A8A8A;
  --shot:#141414;
  --ring:#FFFFFF; --ring-on-dark:#FFFFFF;
}

/* ---------- base ---------- */
[hidden]{display:none!important}
.nw{white-space:nowrap}
html{font-size:100%;scroll-behavior:smooth;-webkit-text-size-adjust:100%}
html[data-size="lg"]{font-size:112.5%}
html[data-size="xl"]{font-size:127%}
*,*::before,*::after{box-sizing:border-box}
body{margin:0;background:var(--paper);color:var(--ink);
  font-family:"Public Sans","Helvetica Neue",Arial,sans-serif;font-size:1.125rem;line-height:1.65;
  -webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3,h4{font-family:"Archivo","Helvetica Neue",Arial,sans-serif;margin:0;line-height:1.14;
  letter-spacing:-.02em;font-weight:700;text-wrap:balance;color:var(--ink)}
p{margin:0 0 1em}
a{color:inherit}
main a:not(.btn):not(.bignum):not(.card-link){color:var(--brand-text);text-decoration:underline;
  text-underline-offset:3px;text-decoration-thickness:1.5px}
:root[data-ul="on"] a{text-decoration:underline!important;text-underline-offset:3px}
button{font:inherit}
img{max-width:100%;height:auto}
:focus-visible{outline:3px solid var(--ring);outline-offset:3px;border-radius:4px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.vh{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;
  clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip{position:absolute;left:12px;top:-80px;background:var(--btn);color:var(--on-btn);
  padding:12px 20px;border-radius:0 0 8px 8px;font-weight:700;z-index:200;text-decoration:none;transition:top .15s}
.skip:focus{top:0}

/* ---------- icons ---------- */
.ic{width:1.15em;height:1.15em;flex:none;fill:none;vertical-align:-.19em}

/* ---------- draft bar (first draft only, remove at launch) ---------- */
.draft-bar{background:#1A1A1A;color:#FFFFFF;font-size:.9375rem;line-height:1.45;padding:10px 20px;text-align:center}
.draft-bar b{color:#EFD98F}
.draft-bar .tbc-key{border-bottom:2px dotted #F2954D;color:#FFFFFF}

/* ---------- placeholders: anything not yet confirmed ---------- */
.tbc{text-decoration:underline;text-decoration-style:dotted;text-decoration-color:var(--brand);
  text-decoration-thickness:2px;text-underline-offset:4px}
.tbc::after{content:"to confirm";display:inline-block;margin-left:6px;padding:0 7px;border-radius:99px;
  background:var(--tint);color:var(--brand-text);font-family:"Public Sans",Arial,sans-serif;font-size:.875rem;
  font-weight:600;letter-spacing:0;line-height:1.5;vertical-align:.12em;text-decoration:none}
.tbc-block{border:2px dashed var(--brand);border-radius:12px;padding:16px 18px;background:var(--tint);color:var(--ink-2)}
.tbc-block::before{content:"To confirm";display:block;font-weight:700;font-size:.875rem;letter-spacing:.06em;
  text-transform:uppercase;color:var(--brand-text);margin-bottom:6px}
.tbc-block p:last-child{margin-bottom:0}

/* ---------- utility bar ---------- */
.util{background:var(--dark-band);color:var(--on-dark-2);font-size:1rem}
.util .wrap{display:flex;gap:0 22px;justify-content:space-between;align-items:center;flex-wrap:wrap;
  padding-top:2px;padding-bottom:2px}
.util a{color:var(--on-dark);font-weight:700;text-decoration:none;display:inline-flex;align-items:center;
  gap:6px;min-height:44px}
.util a:hover{text-decoration:underline}
.util :focus-visible{outline-color:var(--ring-on-dark)}
.util .wrap{position:relative}
.util .right{display:flex;align-items:center;gap:6px 18px;margin-left:auto}

/* ---------- header ---------- */
header.site{position:sticky;top:0;z-index:50;background:var(--paper);border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;gap:20px;justify-content:space-between;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;min-height:52px;min-width:0;color:var(--ink)}
.brand .mark{display:block;height:48px;width:auto;flex:none}
:root[data-theme="dark"] .brand .mark{background:#FFFFFF;border-radius:10px;padding:3px;height:52px}
.wordmark{font-family:"Archivo",Arial,sans-serif;font-weight:700;font-size:1.25rem;line-height:1.05;letter-spacing:-.02em}
.wordmark small{display:block;font-family:"Public Sans",Arial,sans-serif;font-weight:600;font-size:.875rem;
  letter-spacing:.04em;color:var(--ink-3);margin-top:3px}
nav.main{display:flex;gap:6px 22px;flex-wrap:wrap}
nav.main a{text-decoration:none;font-size:1.0625rem;font-weight:600;color:var(--ink-2);padding:10px 0;
  border-bottom:3px solid transparent;text-decoration:var(--ul)}
nav.main a:hover{color:var(--ink);border-bottom-color:var(--brand)}
nav.main a[aria-current="page"]{color:var(--ink);border-bottom-color:var(--brand)}
.hdr-right{display:flex;gap:10px;align-items:center;flex:none}
.burger{display:none;background:transparent;border:2.5px solid var(--line);border-radius:9px;width:52px;height:52px;
  align-items:center;justify-content:center;cursor:pointer;color:var(--ink)}
.burger .ic{width:1.6rem;height:1.6rem}
.burger[aria-expanded="true"]{background:var(--ink);border-color:var(--ink);color:var(--paper)}
.mnav{border-top:1px solid var(--line);background:var(--card)}
.mnav .wrap{display:flex;flex-direction:column;padding-top:8px;padding-bottom:16px}
.mnav a{text-decoration:none;font-size:1.125rem;font-weight:600;color:var(--ink);padding:14px 4px;
  border-bottom:1px solid var(--line-2);min-height:52px;display:flex;align-items:center}
.mnav a[aria-current="page"]{color:var(--brand-text)}
.mnav .btn{margin-top:14px;justify-content:center;border-bottom:none;color:var(--on-btn)}
.callbtn .num{white-space:nowrap}
@media (max-width:1000px){
  nav.main,.hdr-right .quotebtn{display:none}
  .burger{display:flex}
}
@media (min-width:1001px){
  .mnav{display:none!important}
  .hdr-right .callbtn{display:none}   /* the phone number sits in the top bar on wide screens */
  .wordmark small{white-space:nowrap}
}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:var(--btn);color:var(--on-btn);
  border:2.5px solid var(--btn);border-radius:8px;padding:13px 24px;min-height:52px;
  font-family:"Archivo",Arial,sans-serif;font-weight:700;font-size:1.0625rem;line-height:1.2;
  text-decoration:none;cursor:pointer;text-align:center}
.btn:hover{background:var(--btn-hover);border-color:var(--btn-hover)}
.btn.out{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn.out:hover{background:var(--ink);color:var(--paper)}
.btn.sm{padding:10px 18px;min-height:48px;font-size:1rem}
.btn.full{width:100%}
.btn[disabled]{opacity:.7;cursor:progress}
.acts{display:flex;gap:12px;flex-wrap:wrap}

/* ---------- sections ---------- */
.sec{padding:64px 0}
.sec.alt{background:var(--sand);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec.tint{background:var(--fall-bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec.dark{background:var(--dark-band);color:var(--on-dark)}
.sec.dark h2,.sec.dark h3{color:var(--on-dark)}
.sec.dark :focus-visible{outline-color:var(--ring-on-dark)}
.sechead{max-width:60ch;margin-bottom:30px}
.h2{font-size:clamp(1.65rem,3.4vw,2.25rem);margin-bottom:10px}
.lead{font-size:1.1875rem;color:var(--ink-2);max-width:56ch;margin:0}
.sec.dark .lead{color:var(--on-dark-2)}
.kicker{display:inline-block;font-family:"Archivo",Arial,sans-serif;font-size:.9375rem;font-weight:700;
  letter-spacing:.09em;text-transform:uppercase;color:var(--brand-text)}

/* ---------- hero ---------- */
.hero{background:var(--sand);border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center;padding-top:60px;padding-bottom:60px}
.hero h1{font-size:clamp(2.1rem,4.8vw,3.25rem);line-height:1.07;margin:14px 0 16px}
.hero .lede{font-size:1.25rem;color:var(--ink-2);margin:0 0 26px;max-width:40ch}
.reassure{margin:20px 0 0;font-size:1.0625rem;color:var(--ink-3)}
.trust{display:flex;gap:16px 28px;flex-wrap:wrap;margin-top:28px;padding-top:22px;border-top:1px solid var(--line)}
.trust div{font-size:1rem;color:var(--ink-2);line-height:1.4}
.trust b{display:block;font-family:"Archivo",Arial,sans-serif;font-size:1.3125rem;color:var(--ink);line-height:1.15}
.portrait{margin:0;position:relative;border-radius:14px;overflow:hidden;aspect-ratio:4/5;background:var(--shot);
  border:1px solid var(--line);box-shadow:var(--shadow);max-width:430px;justify-self:end;width:100%}
.portrait img{display:block;width:100%;height:100%;object-fit:cover}
.portrait figcaption{position:absolute;left:0;right:0;bottom:0;padding:38px 18px 14px;color:#FFFFFF;
  background:linear-gradient(transparent,rgba(20,22,24,.86) 48%);font-family:"Archivo",Arial,sans-serif;
  font-weight:700;font-size:1.0625rem;line-height:1.3}
.portrait figcaption small{display:block;font-family:"Public Sans",Arial,sans-serif;font-weight:500;font-size:.9375rem;color:#EDEAE4}
:root[data-contrast="high"] .portrait figcaption{background:#000000;padding-top:12px}
.hero.slim .wrap{grid-template-columns:1fr;padding-top:52px;padding-bottom:48px}
.hero.slim h1{max-width:22ch}

/* ---------- season block (home) ---------- */
.season{background:var(--fall-bg);border-bottom:1px solid var(--line)}
.season .wrap{display:flex;gap:18px 30px;align-items:center;justify-content:space-between;flex-wrap:wrap;
  padding-top:34px;padding-bottom:34px}
.season .txt{flex:1 1 420px;min-width:0}
.season .sdot{display:inline-block;width:12px;height:12px;border-radius:50%;background:var(--fall);margin-right:8px;
  vertical-align:.05em;border:1px solid rgba(0,0,0,.12)}
.season h2{font-size:clamp(1.4rem,2.8vw,1.875rem);margin:8px 0 8px}
.season p{margin:0;color:var(--ink-2);font-size:1.125rem;max-width:56ch}

/* ---------- service cards (home) ---------- */
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.card{display:block;background:var(--card);border:1.5px solid var(--line);border-radius:14px;padding:26px;
  text-decoration:none;color:var(--ink);transition:border-color .18s ease,box-shadow .18s ease}
a.card:hover{border-color:var(--ink-3);box-shadow:var(--shadow)}
.card .ctop{display:flex;align-items:center;gap:12px;margin-bottom:10px}
.card .cdot{width:30px;height:30px;border-radius:8px;flex:none;display:flex;align-items:center;justify-content:center;color:#1E2226}
.card .cdot .ic{width:18px;height:18px}
.card h3{font-size:1.3125rem}
.card p{margin:0;color:var(--ink-2);font-size:1.0625rem;line-height:1.5}
.card .more{display:inline-flex;align-items:center;gap:6px;margin-top:14px;font-weight:700;color:var(--brand-text);
  text-decoration:underline;text-underline-offset:3px}
@media (max-width:760px){.cards{grid-template-columns:1fr}}

/* ---------- client review (quoted word for word, no stars) ---------- */
.stack{display:grid;gap:18px;align-content:start}
.review{margin:0;background:var(--card);border:1px solid var(--line);border-left:5px solid var(--brand);border-radius:0 14px 14px 0;padding:22px 24px}
.review blockquote{margin:0}
.review blockquote p{margin:0;font-family:"Archivo",Arial,sans-serif;font-weight:600;font-size:1.3125rem;line-height:1.4;color:var(--ink)}
.review figcaption{margin-top:12px;font-size:1rem;color:var(--ink-2)}
.badge{display:inline-block;margin-left:6px;padding:0 7px;border-radius:99px;background:var(--tint);color:var(--brand-text);
  font-size:.875rem;font-weight:600;line-height:1.5;vertical-align:.12em}
.community{margin:18px 0 0;font-size:1.0625rem;color:var(--ink-2)}

/* ---------- split: text + aside ---------- */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:28px}}
.points{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.points li{display:flex;gap:14px;align-items:flex-start;font-size:1.0625rem;color:var(--ink-2)}
.points li .ic{color:var(--ok);width:1.4rem;height:1.4rem;margin-top:.15em}
.points li b{color:var(--ink)}

/* ---------- path picker (medicare) ---------- */
.paths{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.path{background:var(--card);border:3px solid var(--line);border-radius:14px;padding:24px 22px;text-align:left;
  cursor:pointer;width:100%;font-family:inherit;color:var(--ink)}
.path:hover{border-color:var(--ink-3)}
.path[aria-pressed="true"]{border-color:var(--brand);background:var(--tint)}
.path .pn{font-family:"Archivo",Arial,sans-serif;font-size:1.3125rem;font-weight:700;display:block;margin-bottom:6px}
.path .pd{font-size:1.0625rem;color:var(--ink-2);line-height:1.45;display:block}
.answer{margin-top:24px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:30px}
.answer h3{font-size:1.5rem;margin-bottom:8px}
.answer .alede{font-size:1.1875rem;color:var(--ink-2);max-width:62ch}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:20px 0 24px}
.step{border-top:4px solid var(--brand);padding-top:14px}
.step b{display:block;font-family:"Archivo",Arial,sans-serif;font-size:.9375rem;letter-spacing:.07em;
  text-transform:uppercase;color:var(--brand-text);margin-bottom:4px}
.step p{margin:0;font-size:1.0625rem;color:var(--ink-2)}
@media (max-width:820px){.paths{grid-template-columns:1fr}.steps{grid-template-columns:1fr}}

/* ---------- four parts (medicare) ---------- */
.parts{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.part{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:24px 20px}
.pl{width:52px;height:52px;border-radius:12px;display:flex;align-items:center;justify-content:center;
  font-family:"Archivo",Arial,sans-serif;font-weight:700;font-size:1.5rem;color:#1E2226;margin-bottom:14px}
.part h3{font-size:1.25rem;margin-bottom:6px}
.part p{margin:0;font-size:1.0625rem;color:var(--ink-2);line-height:1.45}
@media (max-width:900px){.parts{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.parts{grid-template-columns:1fr}}

/* ---------- enrollment timeline (medicare) ---------- */
.tl{position:relative;margin-top:14px}
.tl::before{content:"";position:absolute;left:0;right:0;top:30px;height:4px;background:var(--on-dark-3);opacity:.45;border-radius:99px}
.tlrow{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;position:relative;list-style:none;margin:0;padding:0}
.tlc{text-align:center;padding:0 6px}
.tlc .mk{width:24px;height:24px;border-radius:50%;background:var(--on-dark);border:5px solid var(--dark-band);
  outline:3px solid var(--on-dark);margin:18px auto;position:relative;z-index:1}
.tlc.key .mk{background:var(--brand);outline-color:var(--brand);width:30px;height:30px;margin-top:15px}
.tlc b{display:block;font-family:"Archivo",Arial,sans-serif;font-size:.9375rem;letter-spacing:.05em;
  text-transform:uppercase;color:var(--on-dark-3);margin-bottom:4px}
.tlc.key b{color:var(--accent-on-dark)}
.tlc p{margin:0;font-size:1.0625rem;color:var(--on-dark-2);line-height:1.4}
@media (max-width:860px){.tlrow{grid-template-columns:1fr 1fr;gap:16px}.tl::before{display:none}.tlc{text-align:left;padding:0}.tlc .mk{margin:10px 0}}
@media (max-width:460px){.tlrow{grid-template-columns:1fr}}
.warnbox{margin-top:30px;background:rgba(255,255,255,.07);border:2px solid var(--on-dark-3);border-radius:12px;
  padding:22px 24px;display:flex;gap:16px;align-items:flex-start}
:root[data-contrast="high"] .warnbox{background:transparent;border-color:var(--on-dark)}
.warnbox .ic{width:1.7rem;height:1.7rem;color:var(--accent-on-dark);margin-top:.1em}
.warnbox p{margin:0;font-size:1.125rem;color:var(--on-dark)}

/* ---------- stats (medicare) ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.stat{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:24px 18px;text-align:center}
.stat .big{font-family:"Archivo",Arial,sans-serif;font-weight:700;font-size:2.25rem;line-height:1.05;color:var(--brand-text);display:block}
.stat p{margin:9px 0 0;font-size:1.0625rem;color:var(--ink-2);line-height:1.4}
.src{margin:16px 0 0;font-size:1rem;color:var(--ink-3)}
@media (max-width:880px){.stats{grid-template-columns:1fr 1fr}}
@media (max-width:400px){.stats{grid-template-columns:1fr}}

/* ---------- checklist (medicare) ---------- */
.checklist{list-style:none;margin:0;padding:0;counter-reset:ck;display:grid;gap:14px;max-width:780px}
.checklist li{counter-increment:ck;display:grid;grid-template-columns:48px 1fr;gap:16px;align-items:start;
  background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px 20px}
.checklist li::before{content:counter(ck);width:44px;height:44px;border-radius:50%;background:var(--tint);
  color:var(--brand-text);border:2px solid var(--brand);display:flex;align-items:center;justify-content:center;
  font-family:"Archivo",Arial,sans-serif;font-weight:700;font-size:1.25rem}
.checklist b{display:block;font-family:"Archivo",Arial,sans-serif;font-size:1.1875rem;color:var(--ink);margin-bottom:2px}
.checklist span{color:var(--ink-2);font-size:1.0625rem}

/* ---------- faq ---------- */
.faq{border-top:1px solid var(--line);max-width:860px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;padding:20px 48px 20px 0;font-family:"Archivo",Arial,sans-serif;font-weight:700;
  font-size:1.25rem;position:relative;list-style:none;color:var(--ink);min-height:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ic{position:absolute;right:6px;top:22px;width:1.5rem;height:1.5rem;color:var(--brand-text);transition:transform .18s ease}
.faq details[open] summary .ic{transform:rotate(180deg)}
.faq .ans{padding:0 0 22px;font-size:1.125rem;color:var(--ink-2);max-width:66ch}
.faq .ans p:last-child{margin-bottom:0}

/* ---------- insurance lines ---------- */
.lines{display:grid;gap:18px}
.line{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;background:var(--card);border:1px solid var(--line);
  border-radius:14px;padding:28px;scroll-margin-top:110px}
.line h2{font-size:clamp(1.45rem,2.6vw,1.8rem);margin:6px 0 10px}
.line p{color:var(--ink-2);font-size:1.0625rem}
.line .ctag{display:flex;align-items:center;gap:10px}
.line .ctag i{width:14px;height:14px;border-radius:4px;display:block}
.line h3{font-size:1.0625rem;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-3);margin:0 0 10px;font-family:"Archivo",Arial,sans-serif}
.line ul{margin:0 0 18px;padding-left:22px;color:var(--ink-2);font-size:1.0625rem}
.line ul li{margin-bottom:6px}
@media (max-width:820px){.line{grid-template-columns:1fr;gap:6px;padding:24px 22px}}
.note{background:var(--tint);border-left:5px solid var(--brand);border-radius:0 10px 10px 0;padding:16px 20px;
  color:var(--ink);font-size:1.0625rem;margin:0}

/* ---------- carriers ---------- */
.carriers{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:12px}
.carriers div{min-height:62px;background:var(--card);border:1.5px dashed var(--field);border-radius:10px;
  display:flex;align-items:center;justify-content:center;font-size:1rem;color:var(--ink-3);padding:8px;text-align:center}

/* ---------- about ---------- */
.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:44px;align-items:start}
.about .portrait{justify-self:start;max-width:380px}
.creds{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px;padding:0;list-style:none}
.creds li{border:1.5px solid var(--line);border-radius:99px;padding:7px 15px;font-size:1rem;color:var(--ink-2);background:var(--card)}
@media (max-width:820px){.about{grid-template-columns:1fr;gap:28px}.about .portrait{justify-self:center}}
.office{display:grid;grid-template-columns:1fr 1.2fr;gap:24px;align-items:stretch}
.ocard{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px}
.ocard h3{font-size:1.25rem;margin-bottom:12px}
.ocard dl{margin:0;display:grid;gap:12px}
.ocard dt{font-weight:700;color:var(--ink);font-size:1rem}
.ocard dd{margin:0;color:var(--ink-2);font-size:1.0625rem}
.ocard dd a{display:inline-flex;align-items:center;min-height:44px}
.map{border:1px solid var(--line);border-radius:14px;overflow:hidden;min-height:320px;background:var(--shot)}
.map iframe{display:block;width:100%;height:100%;min-height:320px;border:0}
@media (max-width:820px){.office{grid-template-columns:1fr}}

/* ---------- contact block: call card + quote form ---------- */
.contact{display:grid;grid-template-columns:1fr .95fr;gap:44px;align-items:start}
@media (max-width:880px){.contact{grid-template-columns:1fr;gap:26px}}
.callcard{background:var(--dark-band);color:var(--on-dark);border-radius:16px;padding:34px}
.callcard h2{font-size:clamp(1.6rem,3vw,2rem);margin-bottom:10px;color:var(--on-dark)}
.callcard p{color:var(--on-dark-2);font-size:1.125rem}
.callcard .mini{width:92px;height:92px;border-radius:50%;object-fit:cover;object-position:50% 22%;
  border:4px solid var(--on-dark);margin-bottom:16px;display:block}
.bignum{font-family:"Archivo",Arial,sans-serif;font-weight:700;font-size:clamp(1.9rem,4.4vw,2.5rem);color:var(--on-dark);
  display:inline-flex;align-items:center;min-height:52px;margin:6px 0 10px;text-decoration:underline;text-underline-offset:6px;
  text-decoration-color:var(--accent-on-dark);text-decoration-thickness:3px}
.callcard :focus-visible{outline-color:var(--ring-on-dark)}
.callcard ul{margin:18px 0 0;padding:0;list-style:none;display:grid;gap:10px}
.callcard li{display:flex;gap:12px;align-items:flex-start;color:var(--on-dark-2);font-size:1.0625rem}
.callcard li .ic{color:var(--accent-on-dark);margin-top:.2em}
.fcard{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:30px;box-shadow:var(--shadow)}
.fcard h3{font-size:1.625rem;margin-bottom:6px}
.fcard .fsub{color:var(--ink-2);font-size:1.0625rem;margin:0 0 20px}
.frow{margin-bottom:16px}
.frow label{display:block;font-weight:700;font-size:1.0625rem;margin-bottom:7px;color:var(--ink)}
.frow input,.frow select{width:100%;border:2px solid var(--field);border-radius:9px;padding:13px 14px;font-size:1.125rem;
  font-family:inherit;background:var(--card);color:var(--ink);min-height:54px}
.frow select{appearance:none;-webkit-appearance:none;padding-right:44px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6.5 9.5 5.5 5.5 5.5-5.5' fill='none' stroke='%235C636B' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:20px}
.frow input:focus,.frow select:focus{border-color:var(--brand-text);outline:3px solid var(--ring);outline-offset:1px}
.frow.bad input,.frow.bad select{border-color:var(--err);background-color:var(--err-bg)}
.err{display:none;color:var(--err);font-weight:700;font-size:1rem;margin-top:6px}
.frow.bad .err{display:block}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.consent{font-size:1rem;color:var(--ink-3);line-height:1.5;margin:12px 0 0}
.textok{display:flex;gap:12px;align-items:flex-start;min-height:44px;padding:12px 14px;margin:2px 0 16px;
  border:1.5px solid var(--line);border-radius:10px;background:var(--sand);cursor:pointer;font-size:1rem;line-height:1.5;color:var(--ink-2)}
.textok input{width:24px;height:24px;margin:0;flex:none;accent-color:var(--btn);cursor:pointer}
.fnote{font-size:1rem;color:var(--ink-3);margin:14px 0 0;line-height:1.5}
.ferr{display:none;background:var(--err-bg);border:2px solid var(--err);color:var(--ink);border-radius:9px;padding:12px 14px;margin:0 0 14px;font-size:1.0625rem}
.ferr.on{display:block}
.done{display:none;text-align:center;padding:18px 0}
.done .tick{width:66px;height:66px;border-radius:50%;background:var(--ok);color:var(--on-ok);display:flex;
  align-items:center;justify-content:center;margin:0 auto 18px}
.done .tick .ic{width:2rem;height:2rem}
.done h3{margin-bottom:8px}
.done p{color:var(--ink-2)}
.done .num{font-family:"Archivo",Arial,sans-serif;font-weight:700;font-size:1.625rem;display:inline-flex;min-height:44px;align-items:center;color:var(--ink)}
.is-done .qform{display:none}
.is-done .done{display:block}
.done:focus{outline:none}

/* ---------- disclaimers ---------- */
.discband{background:var(--tint);border-bottom:1px solid var(--line)}
.discband .wrap{padding-top:20px;padding-bottom:20px}
.disc{display:flex;gap:14px;align-items:flex-start}
.disc .ic{width:1.5rem;height:1.5rem;color:var(--brand-text);margin-top:.2em}
.disc p{margin:0;font-size:1rem;color:var(--ink);line-height:1.55}
.disc p + p{margin-top:6px}
.disc b{font-family:"Archivo",Arial,sans-serif}
.fdisc{margin:16px 0 0;padding:14px 16px;border:1.5px solid var(--line);border-radius:10px;background:var(--sand);
  font-size:.9375rem;line-height:1.5;color:var(--ink-2)}

/* ---------- footer ---------- */
footer.site{background:var(--foot);color:var(--foot-ink);padding:52px 0 28px;font-size:1.0625rem}
footer.site h2{color:#FFFFFF;font-size:1rem;letter-spacing:.09em;text-transform:uppercase;margin-bottom:12px}
:root[data-theme="dark"] footer.site h2{color:var(--on-dark)}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1.1fr;gap:30px}
footer.site p{margin:0 0 10px}
footer.site a{color:var(--foot-ink);text-decoration:none;display:inline-flex;align-items:center;min-height:44px}
footer.site a:hover{color:#FFFFFF;text-decoration:underline}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site :focus-visible{outline-color:var(--ring-on-dark)}
.legal{margin-top:30px;padding-top:22px;border-top:1px solid var(--foot-line);font-size:.9375rem;color:var(--foot-dim);line-height:1.6}
.legal p{margin:0 0 10px}
.legal .credit a{min-height:0;display:inline;text-decoration:underline;text-underline-offset:3px}
@media (max-width:820px){footer.site .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){footer.site .cols{grid-template-columns:1fr}}

/* ---------- sticky call bar (phones) ---------- */
.callbar{display:none}
@media (max-width:700px){
  .callbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--btn);
    box-shadow:0 -4px 18px rgba(0,0,0,.18)}
  .callbar a{display:flex;align-items:center;justify-content:center;gap:10px;padding:14px;min-height:58px;
    color:var(--on-btn);font-weight:700;font-size:1.1875rem;text-decoration:none}
  body{padding-bottom:62px}
}

/* ---------- display options (opens from the top bar) ---------- */
.a11y-btn{background:transparent;color:var(--on-dark);border:2px solid var(--on-dark-3);border-radius:99px;padding:6px 14px;
  font-family:"Archivo",Arial,sans-serif;font-weight:700;font-size:1rem;cursor:pointer;display:inline-flex;gap:8px;
  align-items:center;min-height:44px;margin:2px 0}
.a11y-btn:hover{border-color:var(--on-dark)}
.a11y-btn[aria-expanded="true"]{background:var(--on-dark);color:var(--dark-band);border-color:var(--on-dark)}
.a11y-btn .ic{width:1.3rem;height:1.3rem}
.a11y-panel{position:absolute;top:100%;right:24px;z-index:115;width:340px;max-width:calc(100vw - 32px);background:var(--card);
  color:var(--ink);border:3px solid var(--ink);border-radius:16px;padding:22px;box-shadow:0 18px 50px rgba(0,0,0,.3);display:none;
  max-height:80vh;overflow-y:auto;text-align:left}
.a11y-panel.on{display:block}
.a11y-panel :focus-visible{outline-color:var(--ring)}
@media (max-width:700px){
  .util .call{display:none}
  .util .right{margin:0 auto}
  .a11y-panel{left:12px;right:12px;width:auto;max-width:none}
}
.a11y-panel h2{font-size:1.25rem;margin-bottom:4px}
.a11y-panel .sub{font-size:1rem;color:var(--ink-3);margin:0 0 16px}
.agroup{margin-bottom:16px}
.agroup > .lbl{display:block;font-weight:700;font-size:.9375rem;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-3);margin-bottom:8px}
.seg{display:flex;gap:6px}
.seg button{flex:1;background:var(--card);border:2.5px solid var(--line);border-radius:9px;padding:9px 6px;cursor:pointer;
  font-weight:700;color:var(--ink);min-height:48px;font-size:1rem}
.seg button:hover{border-color:var(--ink-3)}
.seg button[aria-pressed="true"]{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.seg.sz button:nth-child(1){font-size:.9375rem}
.seg.sz button:nth-child(2){font-size:1.15rem}
.seg.sz button:nth-child(3){font-size:1.4rem}
.tog{display:flex;align-items:center;gap:12px;width:100%;background:none;border:none;cursor:pointer;padding:10px 0;
  text-align:left;color:var(--ink);font-size:1.0625rem;font-weight:600;min-height:48px}
.tog .box{width:26px;height:26px;border:2.5px solid var(--field);border-radius:7px;flex:none;display:flex;align-items:center;
  justify-content:center;color:transparent}
.tog .box .ic{width:1.05rem;height:1.05rem}
.tog[aria-pressed="true"] .box{background:var(--ink);border-color:var(--ink);color:var(--paper)}
.a11y-panel .reset{width:100%;margin-top:6px;background:transparent;border:2.5px solid var(--line);border-radius:9px;padding:10px;
  cursor:pointer;font-weight:700;color:var(--ink-2);min-height:48px}
.a11y-panel .reset:hover{border-color:var(--err);color:var(--err)}
.a11y-panel .saved{font-size:.9375rem;color:var(--ink-3);margin:12px 0 0;line-height:1.45}
.guide{position:fixed;left:0;right:0;height:200vh;background:rgba(10,12,14,.55);pointer-events:none;z-index:90;display:none}
body.guideon .guide{display:block}
body.guideon .guide.top{bottom:calc(100% - var(--gy,50vh) + 42px)}
body.guideon .guide.bot{top:calc(var(--gy,50vh) + 42px)}
.bigcur{position:fixed;width:52px;height:52px;border:5px solid var(--brand);border-radius:50%;pointer-events:none;z-index:130;
  display:none;transform:translate(-50%,-50%);box-shadow:0 0 0 3px rgba(255,255,255,.85)}
body.bigcuron .bigcur{display:block}

/* ---------- 404 ---------- */
.nf{padding:80px 0;text-align:center}
.nf h1{font-size:clamp(2rem,5vw,3rem);margin-bottom:14px}
.nf p{color:var(--ink-2);font-size:1.1875rem;max-width:44ch;margin:0 auto 26px}
.nf .acts{justify-content:center}

/* ---------- motion ---------- */
body.noanim *,body.noanim *::before,body.noanim *::after{animation-duration:.001ms!important;animation-iteration-count:1!important;
  transition-duration:.001ms!important;scroll-behavior:auto!important}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}
}

/* ---------- phones ---------- */
@media (max-width:860px){
  .hero .wrap{grid-template-columns:1fr;gap:28px;padding-top:42px;padding-bottom:44px}
  /* on phones the big portrait becomes a compact "your agent" card */
  .hero .portrait{display:flex;align-items:center;gap:14px;aspect-ratio:auto;max-width:none;width:100%;justify-self:stretch;
    background:var(--card);padding:12px 14px;box-shadow:none}
  .hero .portrait img{width:76px;height:76px;border-radius:50%;object-fit:cover;object-position:50% 22%;flex:none}
  .hero .portrait figcaption,:root[data-contrast="high"] .hero .portrait figcaption{position:static;background:none;color:var(--ink);padding:0;font-size:1.0625rem}
  .hero .portrait figcaption small{color:var(--ink-2)}
}
@media (max-width:760px){
  .wrap{padding:0 20px}
  .sec{padding:52px 0}
  .hero h1{font-size:clamp(1.85rem,7.4vw,2.4rem)}
  .hero .lede{font-size:1.1875rem}
  .answer{padding:24px 20px}
  .callcard,.fcard{padding:26px 22px}
  .line{padding:22px 20px}
  .warnbox{padding:20px}
  .faq summary{font-size:1.125rem;padding:18px 42px 18px 0}
  .faq summary .ic{top:19px}
  footer.site{padding:44px 0 26px}
}
@media (max-width:520px){
  .util .wrap{justify-content:center;text-align:center}
  .util .where{display:none}
  .hdr{gap:10px}
  .wordmark{font-size:1.0625rem}
  .wordmark small{font-size:.875rem}
  .callbtn .num{display:none}
  .callbtn{width:52px;padding:0}
  .acts{flex-direction:column;align-items:stretch}
  .trust{gap:14px 20px}
  .checklist li{grid-template-columns:44px 1fr;gap:12px;padding:16px}
}
@media (max-width:380px){
  .wrap{padding:0 16px}
  .brand{gap:8px}
  .brand .mark{height:40px}
  .wordmark small{display:none}
  .parts,.stats{grid-template-columns:1fr}
}