:root{
  --navy:#0e2233;
  --navy-deep:#081826;
  --gold:#b28a3e;
  --gold-light:#e3c27e;
  --cream:#faf7f0;
  --ink:#182430;
  --muted:#5f6b76;
  --line:#e5e0d5;
  --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;scroll-padding-top:76px;}
body{
  font-family:'Inter',system-ui,sans-serif;
  color:var(--ink);
  background:var(--cream);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.serif{font-family:'Libre Baskerville',serif;}
a{color:inherit;text-decoration:none;}
a:focus-visible,button:focus-visible{outline:2px solid var(--gold);outline-offset:3px;}
img{max-width:100%;display:block;}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px;}
.eyebrow{
  text-transform:uppercase;
  letter-spacing:.14em;
  font-size:.72rem;
  font-weight:600;
  color:var(--gold);
}

/* Header */
header{
  position:sticky;top:0;z-index:50;
  background:rgba(250,247,240,.9);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 24px;max-width:1100px;margin:0 auto;
}
.brand{font-family:'Cinzel',serif;font-weight:600;font-size:1.18rem;letter-spacing:.11em;
  color:var(--navy);display:flex;align-items:center;}
.brand span{color:inherit;}
.brand img{height:40px;width:auto;display:block;}
.nav-links{display:flex;gap:28px;font-size:.92rem;font-weight:500;color:var(--navy);}
.nav-links a:hover{opacity:.55;}
.nav-links a.active{color:var(--gold);font-weight:600;}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 26px;border-radius:999px;font-weight:600;font-size:.92rem;
  transition:transform .15s ease, box-shadow .15s ease;
  white-space:nowrap;
}
.btn-primary{background:var(--navy);color:var(--cream);box-shadow:0 6px 18px rgba(8,24,38,.22);}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(8,24,38,.3);}
.btn-gold{background:var(--gold-light);color:var(--navy-deep);box-shadow:0 6px 18px rgba(0,0,0,.18);}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.26);}
.btn-ghost{border:1.5px solid rgba(255,255,255,.55);color:#fff;}
.btn-ghost:hover{background:#fff;color:var(--navy-deep);border-color:#fff;}
.btn-outline{border:1.5px solid var(--navy);color:var(--navy);}
.btn-outline:hover{background:var(--navy);color:var(--cream);transform:translateY(-2px);}
.nav-toggle{
  display:none;background:none;border:none;cursor:pointer;padding:8px;
  flex-direction:column;gap:5px;
}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform .2s ease, opacity .2s ease;}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0;}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
@media (max-width:760px){
  .nav-toggle{display:flex;order:3;}
  .nav .btn{padding:10px 18px;font-size:.85rem;}
  .nav-links{
    display:none;position:absolute;top:100%;left:0;right:0;
    flex-direction:column;gap:0;
    background:rgba(250,247,240,.98);backdrop-filter:blur(8px);
    border-bottom:1px solid var(--line);
    padding:6px 0 10px;
    box-shadow:0 14px 30px rgba(8,24,38,.12);
  }
  .nav-links.open{display:flex;}
  .nav-links a{padding:13px 24px;border-top:1px solid var(--line);}
}

/* Hero */
.hero{
  background:linear-gradient(180deg,var(--navy) 0%, var(--navy-deep) 100%);
  color:var(--cream);
  padding:72px 0 96px;
  position:relative;
  overflow:hidden;
}
.hero:before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(600px 300px at 85% -10%, rgba(227,194,126,.12), transparent 60%),
    radial-gradient(500px 260px at 5% 110%, rgba(227,194,126,.06), transparent 60%);
  pointer-events:none;
}
.hero .eyebrow{color:var(--gold-light);}
.hero-wordmark{
  font-family:'Cinzel',serif;font-weight:500;
  font-size:2.35rem;letter-spacing:.14em;color:var(--cream);
  display:block;line-height:1;
}
.hero-wordmark span{color:inherit;}
/* gold hairline rules flanking the descriptor, under the wordmark */
.wordmark-lockup{display:flex;align-items:center;justify-content:center;gap:14px;
  margin:14px 0 4px;}
.wordmark-lockup i{display:block;height:1px;width:52px;
  background:linear-gradient(90deg,rgba(227,194,126,0),rgba(227,194,126,.75));}
.wordmark-lockup i:last-child{background:linear-gradient(90deg,rgba(227,194,126,.75),rgba(227,194,126,0));}
.wordmark-lockup .desc{font-family:'Inter',sans-serif;font-size:.58rem;font-weight:600;
  letter-spacing:.34em;text-transform:uppercase;color:var(--gold-light);white-space:nowrap;}
.hero-center{
  text-align:center;max-width:820px;margin:0 auto;position:relative;
}
.hero h1{
  font-size:clamp(2rem,4vw,2.9rem);
  font-weight:700;
  line-height:1.12;
  margin:18px 0 20px;
}
.hero-center .lead{margin-left:auto;margin-right:auto;}
.hero-tagline{color:var(--gold-light);font-weight:700;letter-spacing:.02em;font-size:1.05rem;margin:14px 0 8px;}
.hero h1 .highlight{font-style:italic;color:#fff;box-shadow:inset 0 -0.32em 0 rgba(227,194,126,.35);}
.hero p.lead{
  color:#cdd9e6;font-size:1.08rem;max-width:52ch;margin-bottom:32px;
}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;}
.stat-eyebrow{
  text-align:center;text-transform:uppercase;letter-spacing:.16em;font-size:.72rem;
  font-weight:700;color:var(--gold-light);margin-top:56px;padding-top:36px;
  border-top:1px solid rgba(255,255,255,.14);
}
.stat-row{
  display:grid;grid-template-columns:repeat(4,1fr);gap:20px;
  margin-top:22px;position:relative;
}
@media (max-width:760px){ .stat-row{grid-template-columns:repeat(2,1fr);} }
.stat-item{
  text-align:center;color:#dfe6ec;font-size:.88rem;font-weight:600;
  display:flex;flex-direction:column;align-items:center;gap:8px;
}
.stat-icon{
  width:34px;height:34px;border-radius:50%;border:1px solid rgba(227,194,126,.5);
  display:flex;align-items:center;justify-content:center;color:var(--gold-light);font-size:.9rem;
}

/* Interior page header */
.page-head{
  background:linear-gradient(180deg,var(--navy) 0%, var(--navy-deep) 100%);
  color:var(--cream);padding:64px 0 56px;text-align:center;position:relative;overflow:hidden;
}
.page-head:before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(600px 300px at 85% -10%, rgba(227,194,126,.12), transparent 60%);
  pointer-events:none;
}
.page-head .eyebrow{color:var(--gold-light);position:relative;}
.page-head h1{font-size:clamp(2rem,4vw,2.8rem);margin-top:10px;color:var(--cream);position:relative;}
.page-head p{color:#cdd9e6;max-width:56ch;margin:14px auto 0;position:relative;}

/* Sections */
section{padding:88px 0;}
.section-head{max-width:640px;margin-bottom:48px;}
.section-head h2{font-size:clamp(1.7rem,3vw,2.3rem);color:var(--navy);margin-top:10px;}
.section-head p{color:var(--muted);margin-top:14px;font-size:1.02rem;}

/* About */
.about-v2{display:grid;grid-template-columns:.5fr 1.1fr;gap:56px;align-items:center;}
@media (max-width:760px){ .about-v2{grid-template-columns:1fr;text-align:center;} }
.about-portrait{text-align:center;}
.about-photo-ring{
  width:190px;height:190px;border-radius:50%;overflow:hidden;
  border:3px solid var(--gold);padding:5px;margin:0 auto 20px;
  box-shadow:0 12px 30px rgba(8,24,38,.14);
  background:linear-gradient(145deg,#f2ead9,#e0d4b8);
  display:flex;align-items:center;justify-content:center;
  font-family:'Libre Baskerville',serif;font-size:3rem;font-weight:400;color:var(--navy);
}
.about-photo-ring img{width:100%;height:100%;object-fit:cover;border-radius:50%;}
.about-portrait h3{font-size:1.05rem;letter-spacing:.03em;color:var(--navy);margin-bottom:4px;}
.about-role{font-size:.78rem;letter-spacing:.1em;color:var(--muted);font-weight:600;}
.about-heading{
  font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700;color:var(--navy);
  letter-spacing:.01em;text-transform:uppercase;
}
.about-heading span{color:var(--gold);}
.about-heading-bar{width:56px;height:3px;background:var(--gold);margin:16px 0 26px;}
@media (max-width:760px){ .about-heading-bar{margin-left:auto;margin-right:auto;} }
.about-copy .about-body p{color:var(--muted);font-size:1.02rem;margin-bottom:16px;}
.about-copy .about-body p:last-child{margin-bottom:0;}
.about-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;
}
.about-card .row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid var(--line);font-size:.94rem;}
.about-card .row:last-child{border-bottom:none;}
.about-card .row span:first-child{color:var(--muted);}
.about-card .row span:last-child{font-weight:600;color:var(--navy);}
.npn-badge{
  display:flex;align-items:center;gap:10px;margin-top:26px;padding-top:22px;
  border-top:1px solid var(--line);color:var(--muted);
  font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;font-weight:600;
}
@media (max-width:760px){ .npn-badge{justify-content:center;} }
.npn-badge strong{color:var(--navy);letter-spacing:normal;text-transform:none;font-size:.9rem;}

/* Services */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
@media (max-width:900px){ .services-grid{grid-template-columns:1fr;} }
.service-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  position:relative;overflow:hidden;
  transition:transform .2s ease, box-shadow .2s ease;
}
.service-card:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(8,24,38,.1);}
.service-card.img-card{padding:0;}
.service-card.img-card img{
  width:100%;height:190px;object-fit:cover;filter:grayscale(.15) contrast(1.02);
  border-bottom:1px solid var(--line);
}
.service-card-body{padding:26px 26px 30px;}
.service-card h3{font-size:1.2rem;color:var(--navy);margin-bottom:10px;}
.service-card p{color:var(--muted);font-size:.95rem;}

/* Carriers */
.carrier-marquee{
  overflow:hidden;width:100%;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
}
.carrier-track{
  display:flex;align-items:center;gap:64px;width:max-content;
  animation:carrier-scroll 32s linear infinite;
  background:var(--cream); /* backdrop for the logos' multiply blend inside the masked marquee */
}
.carrier-marquee:hover .carrier-track{animation-play-state:paused;}
.carrier-item{
  display:flex;align-items:center;justify-content:center;
  height:40px;flex-shrink:0;
}
.carrier-item img{
  height:100%;width:auto;max-width:170px;object-fit:contain;
  filter:grayscale(.1);opacity:.92;
  mix-blend-mode:multiply;
}
.carrier-text{
  font-family:'Libre Baskerville',serif;font-weight:700;font-size:1.4rem;color:var(--navy);
  opacity:.92;white-space:nowrap;
}
.c-athene{color:#0f6e6a;}
.c-americo{color:#1a2f6e;}
.c-amamicable{color:#8f1d24;}
.c-transamerica{color:#c0242c;}
.c-ethos{color:#1f7a4d;}
.c-moo{color:#b8862b;}
.c-corebridge{color:#1a8a72;}
.c-foresters{color:#5b2d86;}
@keyframes carrier-scroll{
  from{transform:translateX(0);}
  to{transform:translateX(-50%);}
}
@media (prefers-reduced-motion: reduce){
  .carrier-track{animation:none;flex-wrap:wrap;justify-content:center;width:100%;}
  .carrier-marquee{mask-image:none;-webkit-mask-image:none;}
}

/* Process */
.process{background:var(--navy);color:var(--cream);}
.process .section-head h2{color:var(--cream);}
.process .section-head p{color:#b9c8d8;}
.process .section-head .eyebrow{color:var(--gold-light);}
.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;}
@media (max-width:860px){ .process-grid{grid-template-columns:1fr;} }
.step{border-left:2px solid rgba(255,255,255,.18);padding-left:22px;}
.step .num{font-family:'Libre Baskerville',serif;font-size:2rem;color:var(--gold-light);margin-bottom:10px;display:block;}
.step h3{font-size:1.1rem;margin-bottom:8px;}
.step p{color:#b9c8d8;font-size:.94rem;}

/* CTA */
.cta-section{
  background:linear-gradient(135deg,var(--navy),var(--navy-deep));
  color:var(--cream);border-radius:24px;
  padding:64px 48px;
  margin:0 24px;
}
@media (max-width:640px){ .cta-section{padding:48px 26px;} }
.cta-note{margin-top:22px;font-size:.78rem;color:#93a5b8;max-width:60ch;margin-left:auto;margin-right:auto;text-align:center;}
.cta-split{
  display:grid;grid-template-columns:1fr .95fr;gap:48px;align-items:center;
  text-align:left;
}
@media (max-width:860px){ .cta-split{grid-template-columns:1fr;text-align:center;} }
.cta-heading{
  font-size:clamp(2rem,4.4vw,3rem);line-height:1.05;font-weight:700;
  text-transform:uppercase;margin:14px 0 32px;
}
.cta-heading .highlight{color:var(--gold-light);}
.cta-checklist{display:flex;flex-direction:column;gap:18px;}
.cta-check-item{
  display:flex;align-items:center;gap:14px;color:#e3e9ef;
  font-size:.92rem;font-weight:700;text-transform:uppercase;letter-spacing:.02em;
}
@media (max-width:860px){ .cta-check-item{justify-content:center;text-align:left;} }
.cta-check-mark{
  width:30px;height:30px;border-radius:50%;flex-shrink:0;
  border:1px solid rgba(227,194,126,.5);color:var(--gold-light);
  display:flex;align-items:center;justify-content:center;font-size:.8rem;
}
.cta-email-link{
  display:inline-block;margin-top:30px;color:var(--gold-light);font-weight:600;
  font-size:.9rem;text-decoration:underline;
}
.cta-contact-links{display:flex;flex-direction:column;gap:10px;margin-top:30px;align-items:flex-start;}
@media (max-width:860px){ .cta-contact-links{align-items:center;} }
.cta-contact-links .cta-email-link{margin-top:0;}
.cta-right .calendly-inline-widget{
  border-radius:16px;overflow:hidden;background:#fff;
  box-shadow:0 20px 50px rgba(0,0,0,.35);
  max-width:380px;margin:0 auto;
}

/* Footer */
footer{padding:56px 0 40px;border-top:1px solid var(--line);}
.foot-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:flex-start;}
.foot-brand{font-family:'Cinzel',serif;font-weight:600;color:var(--navy);font-size:1.05rem;
  letter-spacing:.11em;display:flex;align-items:center;gap:12px;}
.foot-brand span{color:inherit;}
.foot-brand img{height:34px;width:auto;display:block;}
.foot-brand img.foot-crest{height:44px;}
.foot-links{display:flex;gap:20px;font-size:.86rem;color:var(--muted);}
.foot-links a:hover{color:var(--navy);}
.disclosure{
  margin-top:28px;font-size:.76rem;color:var(--muted);
  border-top:1px solid var(--line);padding-top:22px;max-width:900px;
}

/* Modals */
#terms-modal, #privacy-modal, #vcard-modal{
  display:none;position:fixed;inset:0;background:rgba(8,24,38,.55);
  z-index:100;align-items:center;justify-content:center;padding:24px;
}
#terms-modal.open, #privacy-modal.open, #vcard-modal.open{display:flex;}
.modal-box{
  background:#fff;max-width:640px;max-height:80vh;overflow:auto;
  border-radius:16px;padding:36px;position:relative;
}
.modal-box h2{color:var(--navy);margin-bottom:16px;}
.modal-box h4{color:var(--navy);margin:18px 0 6px;font-size:.98rem;}
.modal-box p, .modal-box li{color:var(--muted);font-size:.92rem;margin-bottom:8px;}
.modal-box ul{padding-left:20px;}
.modal-close{
  position:absolute;top:18px;right:18px;width:34px;height:34px;border-radius:50%;
  background:var(--cream);border:1px solid var(--line);cursor:pointer;font-size:1rem;
  transition:background .15s ease;
}
.modal-close:hover{background:var(--line);}

/* Side tab — "About Me" on the homepage, "Home" on the about page */
.side-tab{
  position:fixed;left:0;top:42%;z-index:90;
  display:flex;align-items:center;gap:8px;
  background:var(--navy);color:var(--gold-light);
  font-weight:700;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;
  padding:18px 12px;
  border-radius:0 12px 12px 0;
  writing-mode:vertical-rl;
  box-shadow:0 10px 26px rgba(8,24,38,.28);
  transition:padding-left .15s ease, background .15s ease;
}
.side-tab:hover{padding-left:18px;background:var(--navy-deep);}
.side-tab svg{transform:rotate(90deg);}
@media (max-width:560px){ .side-tab{font-size:.72rem;padding:14px 9px;} }

/* Virtual business card */
.vcard-fab{
  position:fixed;right:22px;bottom:22px;z-index:90;
  display:flex;align-items:center;gap:9px;
  background:var(--navy);color:#fff;border:none;border-radius:999px;
  padding:14px 20px;font-family:'Inter',sans-serif;font-weight:600;font-size:.85rem;
  box-shadow:0 10px 26px rgba(8,24,38,.28);cursor:pointer;
}
.vcard-fab:hover{transform:translateY(-2px);}
@media (max-width:560px){ .vcard-fab span, .vcard-fab{font-size:0;padding:16px;} .vcard-fab svg{width:18px;height:18px;} }
.vcard-box{max-width:360px;text-align:center;padding:40px 30px 34px;}
.vcard-photo{
  width:96px;height:96px;border-radius:50%;overflow:hidden;margin:0 auto 16px;
  border:3px solid var(--gold);padding:3px;
  background:linear-gradient(145deg,#f2ead9,#e0d4b8);
  display:flex;align-items:center;justify-content:center;
  font-family:'Libre Baskerville',serif;font-size:1.6rem;font-weight:400;color:var(--navy);
}
.vcard-photo img{width:100%;height:100%;object-fit:cover;border-radius:50%;}
.vcard-name{color:var(--navy);font-size:1.2rem;margin-bottom:4px;}
.vcard-company{color:var(--gold);font-size:.85rem;font-weight:600;margin-bottom:4px;}
.vcard-title{color:var(--muted);font-size:.72rem;letter-spacing:.1em;font-weight:600;margin-bottom:4px;}
.vcard-npn{color:var(--muted);font-size:.75rem;margin-bottom:22px;}
.vcard-row{
  display:flex;align-items:center;gap:10px;background:#f8f6f0;border:1px solid var(--line);
  border-radius:12px;padding:13px 16px;font-size:.88rem;color:var(--ink) !important;margin-bottom:12px;
}
.vcard-btn{
  width:100%;display:flex;align-items:center;justify-content:center;gap:9px;
  border-radius:12px;padding:14px 16px;font-weight:700;font-size:.85rem;
  border:1px solid var(--navy);background:var(--navy);color:#fff !important;cursor:pointer;
}

/* ── Request a Quote form ─────────────────────────────────────────────── */
.quote-form{
  max-width:640px;margin:0 auto;background:var(--cream);
  border:1px solid var(--line);border-radius:var(--radius);
  padding:34px 32px 30px;box-shadow:0 12px 30px rgba(8,24,38,.06);
}
.qf-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.qf-field{margin-bottom:16px;}
.qf-field label{
  display:block;font-size:.78rem;font-weight:600;color:var(--navy);
  letter-spacing:.04em;text-transform:uppercase;margin-bottom:6px;
}
.qf-req{color:var(--gold);}
.qf-field input,.qf-field select{
  width:100%;padding:12px 14px;font:inherit;font-size:.95rem;color:var(--ink);
  background:#fff;border:1px solid var(--line);border-radius:10px;
  transition:border-color .15s ease, box-shadow .15s ease;
}
.qf-field input:focus,.qf-field select:focus{
  outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(178,138,62,.18);
}
.qf-hp{position:absolute !important;left:-9999px;width:1px;height:1px;overflow:hidden;}
.qf-consent{font-size:.74rem;color:var(--muted);line-height:1.55;margin:6px 0 18px;}
.qf-submit{width:100%;justify-content:center;border:none;cursor:pointer;font:inherit;font-weight:700;}
.qf-submit:disabled{opacity:.6;cursor:default;transform:none;box-shadow:none;}
.qf-status{margin-top:14px;font-size:.9rem;text-align:center;display:none;}
.qf-status.ok{display:block;color:#2e6b3f;}
.qf-status.err{display:block;color:#a13333;}
@media (max-width:560px){ .qf-row{grid-template-columns:1fr;gap:0;} .quote-form{padding:26px 20px 24px;} }