:root{
  --ink:#17211D;
  --paper:#EEF0E9;
  --pine:#16332B;
  --pine-2:#1F4739;
  --amber:#C1872A;
  --amber-deep:#9C6B1E;
  --sage:#7FA396;
  --sage-deep:#4C7A6D;
  --line:#D6D2C3;
  --white:#FFFFFF;
  --max:1180px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:'IBM Plex Sans', sans-serif;
  font-size:16px;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.serif{
  font-family:'Fraunces', serif;
  font-weight:500;
  margin:0;
  color:var(--pine);
}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
.wrap{max-width:var(--max);margin:0 auto;padding:0 32px;}
button{font-family:inherit;cursor:pointer;}
:focus-visible{outline:2px solid var(--amber);outline-offset:2px;}

/* ---------- Top bar ---------- */
.topbar{
  background:var(--pine);
  color:#D8E3DC;
  font-size:13px;
}
.topbar .wrap{
  display:flex;justify-content:space-between;align-items:center;
  padding:8px 32px;
}
.topbar a.phone{color:#EFE3C6;font-weight:600;}
.topbar .hours{opacity:.8;}

/* ---------- Header ---------- */
header.site{
  position:sticky;top:0;z-index:50;
  background:var(--paper);
  border-bottom:1px solid var(--line);
}
header.site .wrap{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 32px;
}
.brand{display:flex;align-items:center;}
.brand img.logo-img{height:44px;width:auto;flex:none;}
.foot-logo-chip{
  display:inline-block;background:var(--paper);padding:10px 16px;
}
.foot-logo{height:34px;width:auto;display:block;}
nav.main{display:flex;gap:30px;align-items:center;}
nav.main a{font-size:15px;color:var(--ink);padding:4px 0;border-bottom:2px solid transparent;}
nav.main a.active,nav.main a:hover{border-bottom-color:var(--amber);}
.header-cta{display:flex;align-items:center;gap:20px;}
.btn{
  display:inline-block;padding:12px 22px;border-radius:3px;
  font-size:14.5px;font-weight:600;border:1px solid transparent;
  transition:background .15s ease, color .15s ease, border-color .15s ease;
}
.btn-amber{background:var(--amber);color:#241804;}
.btn-amber:hover{background:var(--amber-deep);}
.btn-outline{background:transparent;border-color:var(--pine);color:var(--pine);}
.btn-outline:hover{background:var(--pine);color:var(--paper);}
.btn-paper{background:var(--paper);color:var(--pine);border-color:var(--paper);}
.btn-paper:hover{background:transparent;color:var(--paper);border-color:var(--paper);}
.btn-stack{display:inline-flex;flex-direction:column;align-items:center;line-height:1.25;padding:9px 22px;}
.btn-stack .btn-sub{font-size:11.5px;font-weight:500;opacity:.8;margin-top:1px;}

@media (max-width:880px){
  nav.main{display:none;}
}

/* ---------- Hero ---------- */
.hero{
  background:var(--pine);
  color:#EAF0EB;
  padding:64px 0 90px;
  position:relative;
}
.hero .wrap{
  display:grid;grid-template-columns:1.35fr 1fr;gap:56px;align-items:start;
}
.tag{
  display:inline-flex;align-items:center;gap:8px;
  font-size:13px;color:#F4E3BC;
  border:1px solid rgba(244,227,188,.4);
  border-radius:20px;padding:6px 14px;margin-bottom:26px;
}
.tag .dot{width:6px;height:6px;border-radius:50%;background:var(--amber);}
.hero h1{
  color:#fff;font-size:50px;line-height:1.08;font-weight:500;
  max-width:11.5ch;
}
.hero h1 em{font-style:italic;color:#F4E3BC;font-weight:500;}
.hero p.lead{
  margin-top:22px;font-size:17.5px;line-height:1.65;color:#CBDACF;
  max-width:46ch;
}
.free-note{
  margin-top:28px;border-left:3px solid var(--amber);
  background:rgba(255,255,255,.05);
  padding:14px 18px;font-size:14.5px;color:#DCE6DF;max-width:46ch;
}
.free-note strong{color:#F4E3BC;}
.hero-actions{display:flex;align-items:center;gap:22px;margin-top:30px;flex-wrap:wrap;}
.call-alt{font-size:14px;color:#B9C9BE;}
.call-alt .num{display:block;color:#fff;font-weight:600;font-size:17px;font-family:'Fraunces',serif;}

.stat-row{
  margin-top:44px;display:flex;gap:0;border-top:1px solid rgba(255,255,255,.16);padding-top:26px;
}
.stat{flex:1;padding-right:22px;}
.stat + .stat{border-left:1px solid rgba(255,255,255,.16);padding-left:22px;}
.stat .n{font-family:'Fraunces',serif;font-size:27px;color:var(--amber);font-weight:600;}
.stat .l{font-size:12.5px;color:#AEC1B4;margin-top:4px;}

/* ---------- Quote panel ---------- */
.panel{
  background:var(--paper);
  border:1px solid var(--line);
  color:var(--ink);
}
.panel-head{
  background:var(--pine-2);
  color:#fff;
  padding:22px 26px;
}
.panel-head h3{color:#fff;font-size:19px;font-weight:500;}
.panel-head p{font-size:13px;color:#BFD3C6;margin-top:4px;}
.steps{display:flex;gap:8px;margin-top:16px;}
.step-dot{
  flex:1;height:3px;background:rgba(255,255,255,.25);border-radius:2px;overflow:hidden;
}
.step-dot i{display:block;height:100%;width:0;background:var(--amber);transition:width .3s ease;}
.step-label{font-size:12px;color:#9FB6A7;margin-top:10px;}

.panel-body{padding:26px;}
.panel-body h4{font-size:15px;font-weight:600;color:var(--ink);margin-bottom:16px;font-family:'IBM Plex Sans',sans-serif;}
.tiles{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
.tile{
  border:1px solid var(--line);background:#fff;
  padding:16px 10px;text-align:center;font-size:14px;font-weight:500;
  display:flex;flex-direction:column;align-items:center;gap:8px;
  transition:border-color .15s, background .15s;
}
.tile svg{width:22px;height:22px;stroke:var(--pine-2);}
.tile:hover{border-color:var(--sage-deep);}
.tile.selected{border-color:var(--amber);background:#FBF4E4;}
.tile.selected svg{stroke:var(--amber-deep);}

.field{margin-bottom:14px;}
.field label{display:block;font-size:13px;font-weight:500;margin-bottom:6px;color:#3C4A41;}
.field input{
  width:100%;padding:11px 12px;border:1px solid var(--line);background:#fff;
  font-family:inherit;font-size:14.5px;color:var(--ink);
}
.field input:focus{border-color:var(--sage-deep);}

.panel-cta{
  width:100%;margin-top:8px;padding:13px;border:none;
  background:var(--sage);color:#0F241C;font-weight:600;font-size:14.5px;
  transition:background .15s;
}
.panel-cta.ready{background:var(--amber);color:#241804;}
.panel-cta.ready:hover{background:var(--amber-deep);}
.panel-foot{
  display:flex;justify-content:space-between;font-size:12px;color:#5B6A61;
  margin-top:14px;
}
.panel-back{font-size:13px;color:var(--sage-deep);margin-top:14px;display:inline-block;cursor:pointer;}
.confirm{text-align:center;padding:14px 0;}
.confirm .mark-lg{width:44px;height:44px;margin:0 auto 14px;stroke:var(--sage-deep);}
.confirm h4{font-family:'Fraunces',serif;font-size:19px;color:var(--pine);margin-bottom:8px;}
.confirm p{font-size:14px;color:#4A594F;}

/* ---------- Trust strip ---------- */
.trust{background:#fff;border-bottom:1px solid var(--line);}
.trust .wrap{
  display:flex;padding:52px 32px;
}
.trust-item{flex:1;padding:0 30px;}
.trust-item + .trust-item{border-left:1px solid var(--line);}
.trust-item svg{width:24px;height:24px;stroke:var(--amber-deep);margin-bottom:16px;}
.trust-item h3{font-size:18px;margin-bottom:8px;}
.trust-item p{font-size:14.5px;color:#4A594F;max-width:34ch;}

@media (max-width:880px){
  .trust .wrap{flex-direction:column;gap:30px;}
  .trust-item{border-left:none !important;padding:0;}
}

/* ---------- Carriers ---------- */
section.carriers{padding:84px 0;}
.section-head{max-width:560px;margin-bottom:44px;}
.section-head h2{font-size:32px;font-weight:500;}
.section-head p{margin-top:12px;color:#4A594F;font-size:15.5px;}

.carrier-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
  border-top:1px solid var(--line);border-left:1px solid var(--line);
}
.carrier-grid div{
  background:#fff;padding:22px 10px;text-align:center;
  font-family:'Fraunces',serif;font-size:15px;color:#33423A;
  border-right:1px solid var(--line);border-bottom:1px solid var(--line);
  display:flex;align-items:center;justify-content:center;
  min-height:64px;
}
@media (max-width:720px){.carrier-grid{grid-template-columns:repeat(2,1fr);}}

.fine-note{
  margin-top:24px;border:1px solid #E7D6A8;background:#FBF3E0;
  padding:14px 18px;font-size:13px;color:#5B4B22;
}

/* ---------- Process ---------- */
section.process{background:var(--pine-2);color:#EAF0EB;padding:84px 0;}
section.process .section-head h2{color:#fff;}
section.process .section-head p{color:#C4D6C9;}
.process-row{display:flex;position:relative;margin-top:50px;}
.process-step{flex:1;position:relative;padding-right:30px;}
.process-step .num{
  width:36px;height:36px;border-radius:50%;background:var(--amber);color:#241804;
  display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;
  font-weight:600;font-size:15px;margin-bottom:20px;
}
.process-step h3{color:#fff;font-size:18px;margin-bottom:8px;}
.process-step p{color:#BFD3C6;font-size:14.5px;max-width:30ch;}
.process-step:not(:last-child)::after{
  content:"";position:absolute;top:18px;left:70px;right:0;height:1px;
  background:repeating-linear-gradient(to right,rgba(255,255,255,.4) 0 6px,transparent 6px 12px);
}
@media (max-width:880px){
  .process-row{flex-direction:column;gap:34px;}
  .process-step::after{display:none;}
}

/* ---------- CTA band ---------- */
section.cta-band{padding:80px 0;}
.cta-box{
  background:var(--pine);color:#fff;padding:56px 40px;text-align:center;
}
.cta-box h2{color:#fff;font-size:29px;margin-bottom:12px;}
.cta-box p{color:#C4D6C9;font-size:15.5px;margin-bottom:26px;}
.disclosure{
  max-width:640px;margin:26px auto 0;text-align:center;
  font-size:12.5px;color:#5B6A61;
}

/* ---------- Footer ---------- */
footer{background:var(--pine);color:#B9C9BE;padding:60px 0 0;}
.foot-grid{
  display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:44px;
}
.foot-grid h4{color:#F4E3BC;font-size:14px;margin-bottom:16px;font-weight:600;}
.foot-grid p{font-size:13.5px;line-height:1.6;color:#9FB6A7;}
.foot-grid ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:9px;}
.foot-grid a{font-size:13.5px;color:#B9C9BE;}
.foot-grid a:hover{color:#fff;}
.foot-brand .word{color:#fff;font-family:'Fraunces',serif;font-size:19px;font-weight:600;}
.foot-legal{
  border-top:1px solid rgba(255,255,255,.12);padding:22px 0 26px;
  font-size:11.5px;color:#7C9089;line-height:1.7;
}
.foot-legal .bottom-line{
  display:flex;justify-content:space-between;margin-top:16px;font-size:12px;color:#7C9089;
  flex-wrap:wrap;gap:8px;
}
@media (max-width:880px){.foot-grid{grid-template-columns:1fr 1fr;}}

/* ---------- Footer v2 (green quick-links style) ---------- */
.footer2{background:var(--pine);color:#C9D8CE;padding:60px 0 0;}
.footer2-grid{
  display:grid;grid-template-columns:1.3fr 1fr 1.2fr;gap:48px;padding-bottom:40px;
}
.footer2-brand{display:flex;flex-direction:column;gap:20px;}
.footer2-logo-wrap{
  background:#fff;display:inline-flex;align-items:center;justify-content:center;
  padding:10px 18px;border-radius:10px;width:fit-content;
}
.footer2-logo-img{height:52px;width:auto;object-fit:contain;display:block;}
.footer2-brand .word{color:#fff;font-family:'Fraunces',serif;font-size:20px;font-weight:600;}
.footer2-tagline{
  font-family:'Fraunces',serif;font-style:italic;font-weight:700;
  font-size:16.5px;color:#fff;margin:0;
}
.footer2-col h4{
  display:flex;align-items:center;gap:10px;color:#fff;
  font-size:15px;font-weight:700;letter-spacing:.03em;margin:0 0 20px;
}
.footer2-col h4 .bar{width:3px;height:16px;background:var(--amber);display:inline-block;}
.footer2-col ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;}
.footer2-col li{
  display:flex;align-items:center;gap:10px;padding:9px 0;
  border-bottom:1px solid rgba(255,255,255,.22);
}
.footer2-col a{color:#fff;font-size:14px;}
.footer2-col a:hover{color:var(--amber);}
.footer2-arrow{
  width:18px;height:18px;border-radius:50%;flex-shrink:0;
  border:1.4px solid rgba(255,255,255,.65);
  display:inline-flex;align-items:center;justify-content:center;
}
.footer2-contact li{align-items:flex-start;border-bottom:none;padding:8px 0;}
.footer2-contact .footer2-icon{width:17px;flex-shrink:0;margin-top:2px;color:var(--amber);}
.footer2-contact span.txt{font-size:14px;line-height:1.55;color:#C9D8CE;}
@media (max-width:880px){.footer2-grid{grid-template-columns:1fr;}}