/* ==========================================================================
   Alyssa Thompson: Real Estate & Insurance
   ========================================================================== */

:root {
  --ink: #0e0e0e;
  --ink-soft: #1c1b19;
  --ivory: #f7f3ec;
  --paper: #fbf9f5;
  --sand: #e9e1d4;
  --taupe: #8a7a66;
  --gold: #b08d57;
  --gold-soft: #cdb187;
  --text: #2a2723;
  --muted: #6d665c;
  --line: rgba(14, 14, 14, 0.12);
  --line-light: rgba(255, 255, 255, 0.18);

  --serif: "Cormorant Garamond", "Times New Roman", serif;
  --sans: "Jost", "Helvetica Neue", Arial, sans-serif;

  --wrap: 1240px;
  --gutter: clamp(16px, 4vw, 48px);
  --section: clamp(72px, 10vw, 140px);
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--sans);
  font-weight: 300;
  font-size: 17px;
  line-height: 1.7;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
p { margin: 0 0 1.2em; }
ul { margin: 0; padding: 0; list-style: none; }
button { font: inherit; cursor: pointer; }

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.08;
  color: var(--ink);
  margin: 0 0 0.5em;
  letter-spacing: -0.005em;
}
h1 { font-size: clamp(2.8rem, 6.5vw, 5.6rem); }
h2 { font-size: clamp(2.2rem, 4.4vw, 3.6rem); }
h3 { font-size: clamp(1.5rem, 2.2vw, 1.9rem); }
h4 { font-size: 1.3rem; }
em, .italic { font-style: italic; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.wrap--narrow { max-width: 860px; }

.section { padding: var(--section) 0; }
.section--ivory { background: var(--ivory); }
.section--sand { background: var(--sand); }
.section--dark { background: var(--ink); color: rgba(255,255,255,0.78); }
.section--dark h1, .section--dark h2, .section--dark h3, .section--dark h4 { color: #fff; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  font-family: var(--sans);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 22px;
}
.eyebrow::before { content: ""; width: 36px; height: 1px; background: currentColor; }
.eyebrow--center::after { content: ""; width: 36px; height: 1px; background: currentColor; }

.lead { font-size: clamp(1.1rem, 1.6vw, 1.3rem); color: var(--muted); max-width: 640px; }
.section--dark .lead { color: rgba(255,255,255,0.7); }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* Buttons ---------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 17px 34px;
  font-family: var(--sans);
  font-size: 0.74rem;
  font-weight: 500;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  border: 1px solid var(--ink);
  background: var(--ink);
  color: #fff;
  transition: background 0.35s var(--ease), color 0.35s var(--ease), border-color 0.35s var(--ease);
}
.btn:hover { background: transparent; color: var(--ink); }
.btn--gold { background: var(--gold); border-color: var(--gold); }
.btn--gold:hover { background: transparent; color: var(--gold); }
.btn--ghost { background: transparent; color: var(--ink); }
.btn--ghost:hover { background: var(--ink); color: #fff; }
.btn--light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.6); }
.btn--light:hover { background: #fff; color: var(--ink); border-color: #fff; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-size: 0.74rem;
  font-weight: 500;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--ink);
  padding-bottom: 6px;
  border-bottom: 1px solid var(--gold);
  transition: gap 0.3s var(--ease);
}
.link-arrow:hover { gap: 20px; }
.link-arrow::after { content: "→"; letter-spacing: 0; }
.section--dark .link-arrow { color: #fff; }

/* Top bar & header ------------------------------------------------------- */
.topbar {
  background: var(--ink);
  color: rgba(255,255,255,0.72);
  font-size: 0.7rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; min-height: 40px; gap: 16px; }
.topbar a:hover { color: var(--gold-soft); }
.topbar__links { display: flex; gap: 28px; }

.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(251, 249, 245, 0.94);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.3s var(--ease);
}
.header.is-scrolled { box-shadow: 0 10px 30px -20px rgba(0,0,0,0.25); }
.header .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 84px; gap: 24px; }

.brand { display: flex; flex-direction: column; line-height: 1; white-space: nowrap; flex-shrink: 0; }
.brand__name {
  font-family: var(--serif);
  font-size: 1.65rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink);
}
.brand__tag {
  margin-top: 7px;
  font-size: 0.6rem;
  letter-spacing: 0.38em;
  text-transform: uppercase;
  color: var(--gold);
}

.nav { display: flex; align-items: center; gap: 34px; }
.nav__list { display: flex; gap: 26px; white-space: nowrap; }
.nav__list a {
  position: relative;
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--ink);
  padding: 6px 0;
}
.nav__list a::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 100%; height: 1px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 0.4s var(--ease);
}
.nav__list a:hover::after, .nav__list a[aria-current="page"]::after { transform: scaleX(1); transform-origin: left; }
.nav .btn { padding: 13px 22px; white-space: nowrap; }

.menu-toggle {
  display: none;
  width: 44px; height: 44px;
  border: 0; background: transparent;
  position: relative;
}
.menu-toggle span, .menu-toggle::before, .menu-toggle::after {
  content: "";
  position: absolute;
  left: 10px; right: 10px;
  height: 1px;
  background: var(--ink);
  transition: transform 0.35s var(--ease), opacity 0.35s;
}
.menu-toggle::before { top: 15px; }
.menu-toggle span { top: 22px; }
.menu-toggle::after { top: 29px; }
.menu-open .menu-toggle::before { transform: translateY(7px) rotate(45deg); }
.menu-open .menu-toggle span { opacity: 0; }
.menu-open .menu-toggle::after { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  position: fixed;
  inset: 0;
  z-index: 40;
  background: var(--ink);
  color: #fff;
  padding: 140px var(--gutter) 48px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.4s var(--ease), visibility 0.4s;
  overflow-y: auto;
}
.menu-open .mobile-menu { opacity: 1; visibility: visible; }
.mobile-menu ul li { border-bottom: 1px solid var(--line-light); }
.mobile-menu ul a { display: block; padding: 16px 0; font-family: var(--serif); font-size: 2rem; }
.mobile-menu__contact { margin-top: 40px; font-size: 0.85rem; letter-spacing: 0.12em; color: rgba(255,255,255,0.7); }
.mobile-menu__contact a { display: block; color: #fff; margin-top: 6px; }
.menu-open .header { background: var(--ink); border-color: var(--line-light); }
.menu-open .brand__name { color: #fff; }
.menu-open .menu-toggle span, .menu-open .menu-toggle::before, .menu-open .menu-toggle::after { background: #fff; }

/* Hero ------------------------------------------------------------------- */
.hero {
  position: relative;
  background: var(--ink);
  color: #fff;
  overflow: hidden;
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  min-height: calc(100vh - 124px);
  min-height: calc(100svh - 124px);
}
.hero__copy {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 90px var(--gutter) 90px max(var(--gutter), calc((100vw - var(--wrap)) / 2 + var(--gutter)));
  position: relative;
  z-index: 2;
}
.hero h1 { color: #fff; margin-bottom: 28px; }
.hero h1 em { color: var(--gold-soft); }
.hero .lead { color: rgba(255,255,255,0.72); }
.hero__media { position: relative; }
.hero__media img { width: 100%; height: 100%; object-fit: cover; object-position: center 50%; }
.hero__media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, var(--ink) 0%, rgba(14,14,14,0) 28%);
}
.hero__badges {
  display: flex;
  flex-wrap: wrap;
  gap: 30px;
  margin-top: 56px;
  padding-top: 30px;
  border-top: 1px solid var(--line-light);
  font-size: 0.7rem;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
}
.hero__badges strong { display: block; font-family: var(--serif); font-size: 1.7rem; font-weight: 400; letter-spacing: 0.02em; text-transform: none; color: #fff; margin-bottom: 4px; }

/* Page hero (interior) ---------------------------------------------------- */
.page-hero {
  position: relative;
  background: var(--ink);
  color: #fff;
  padding: clamp(110px, 14vw, 180px) 0 clamp(80px, 10vw, 130px);
  overflow: hidden;
}
.page-hero__bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 25%;
  opacity: 0.32;
}
.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(14,14,14,0.2), rgba(14,14,14,0.85));
}
.page-hero .wrap { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; max-width: 900px; }
.page-hero .lead { color: rgba(255,255,255,0.75); }

/* Path chooser ------------------------------------------------------------ */
.paths { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.path {
  position: relative;
  padding: 56px 44px 48px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--paper);
  transition: background 0.5s var(--ease), color 0.5s var(--ease);
  display: flex;
  flex-direction: column;
}
.path__num { font-family: var(--serif); font-size: 1rem; color: var(--gold); letter-spacing: 0.1em; margin-bottom: 40px; }
.path h3 { font-size: clamp(1.9rem, 2.8vw, 2.5rem); transition: color 0.5s var(--ease); }
.path p { color: var(--muted); flex: 1; transition: color 0.5s var(--ease); }
.path:hover { background: var(--ink); }
.path:hover h3 { color: #fff; }
.path:hover p { color: rgba(255,255,255,0.7); }
.path:hover .link-arrow { color: #fff; }

/* Split layouts ----------------------------------------------------------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 7vw, 110px); align-items: center; }
.split--wide-text { grid-template-columns: 0.85fr 1.15fr; }
.split__media { position: relative; }
.split__media img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; }
.split__media--offset::before {
  content: "";
  position: absolute;
  top: 28px; left: -28px; right: 28px; bottom: -28px;
  border: 1px solid var(--gold);
  z-index: -1;
}
.split__media-caption {
  position: absolute;
  right: -1px; bottom: 40px;
  background: var(--paper);
  padding: 22px 28px;
  max-width: 260px;
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.15rem;
  line-height: 1.4;
  color: var(--ink);
}
.signature { font-family: var(--serif); font-style: italic; font-size: 2.2rem; color: var(--ink); margin-top: 10px; }

/* Advantage (dual expertise) --------------------------------------------- */
.dual-head { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: end; margin-bottom: 70px; }
.dual-head .lead { margin: 0; }
.advantages { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--line-light); border: 1px solid var(--line-light); }
.advantage { background: var(--ink); padding: 44px 32px; }
.advantage__icon { width: 44px; height: 44px; color: var(--gold-soft); margin-bottom: 28px; }
.advantage h4 { color: #fff; font-size: 1.45rem; }
.advantage p { font-size: 0.95rem; color: rgba(255,255,255,0.65); margin: 0; }

/* Pillars ----------------------------------------------------------------- */
.pillars { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; margin-top: 60px; border-top: 1px solid var(--line); }
.pillar { padding: 40px 40px 40px 0; border-bottom: 1px solid var(--line); display: grid; grid-template-columns: 70px 1fr; gap: 10px; }
.pillar:nth-child(even) { padding-left: 40px; padding-right: 0; border-left: 1px solid var(--line); }
.pillar__num { font-family: var(--serif); font-size: 2.4rem; color: var(--gold); line-height: 1; }
.pillar h4 { margin-bottom: 8px; }
.pillar p { color: var(--muted); margin: 0; font-size: 0.98rem; }

/* Quote band -------------------------------------------------------------- */
.quote-band { position: relative; padding: var(--section) 0; background: var(--ivory); text-align: center; overflow: hidden; }
.quote-band::before {
  content: "\201C";
  position: absolute;
  top: -40px; left: 50%;
  transform: translateX(-50%);
  font-family: var(--serif);
  font-size: 22rem;
  line-height: 1;
  color: var(--sand);
  pointer-events: none;
}
.quote-band blockquote {
  position: relative;
  margin: 0 auto;
  max-width: 980px;
  font-family: var(--serif);
  font-size: clamp(1.8rem, 3.6vw, 3rem);
  line-height: 1.25;
  color: var(--ink);
}
.quote-band cite { display: block; margin-top: 34px; font-style: normal; font-size: 0.72rem; letter-spacing: 0.3em; text-transform: uppercase; color: var(--gold); }

/* Process ----------------------------------------------------------------- */
.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; margin-top: 64px; counter-reset: step; }
.step { position: relative; padding-top: 34px; border-top: 1px solid var(--ink); }
.step::before {
  counter-increment: step;
  content: "0" counter(step);
  position: absolute;
  top: -14px; left: 0;
  background: inherit;
  padding-right: 14px;
  font-family: var(--serif);
  font-size: 1.3rem;
  color: var(--gold);
  background: var(--paper);
}
.section--ivory .step::before { background: var(--ivory); }
.step h4 { font-size: 1.5rem; }
.step p { font-size: 0.96rem; color: var(--muted); margin: 0; }

/* Communities ------------------------------------------------------------- */
.communities { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 60px; }
.community {
  position: relative;
  min-height: 300px;
  padding: 34px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  color: #fff;
  overflow: hidden;
  isolation: isolate;
  background: var(--ink-soft);
}
.community::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -2;
  background: var(--tone, linear-gradient(150deg, #2b2620, #0e0e0e));
  transition: transform 1s var(--ease);
}
.community::after {
  content: "";
  position: absolute;
  inset: 18px;
  border: 1px solid rgba(255,255,255,0.14);
  z-index: -1;
  transition: inset 0.6s var(--ease), border-color 0.6s var(--ease);
}
.community:hover::before { transform: scale(1.06); }
.community:hover::after { inset: 12px; border-color: var(--gold-soft); }
.community__state { font-size: 0.66rem; letter-spacing: 0.32em; text-transform: uppercase; color: var(--gold-soft); margin-bottom: 10px; }
.community h3 { color: #fff; font-size: 2.1rem; margin-bottom: 10px; }
.community p { font-size: 0.92rem; color: rgba(255,255,255,0.72); margin: 0; }
.community--feature { grid-column: span 2; }

/* Calculator -------------------------------------------------------------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 0; background: #fff; border: 1px solid var(--line); margin-top: 56px; }
.calc__inputs { padding: clamp(28px, 4vw, 52px); display: grid; gap: 22px; }
.calc__result { background: var(--ink); color: #fff; padding: clamp(28px, 4vw, 52px); display: flex; flex-direction: column; }
.calc__total { font-family: var(--serif); font-size: clamp(3rem, 6vw, 4.6rem); line-height: 1; color: #fff; margin: 6px 0 4px; }
.calc__total small { font-size: 1.2rem; color: rgba(255,255,255,0.6); }
.calc__label { font-size: 0.7rem; letter-spacing: 0.28em; text-transform: uppercase; color: var(--gold-soft); }
.calc__rows { margin-top: 34px; border-top: 1px solid var(--line-light); }
.calc__row { display: flex; justify-content: space-between; padding: 14px 0; border-bottom: 1px solid var(--line-light); font-size: 0.95rem; color: rgba(255,255,255,0.75); }
.calc__row span:last-child { color: #fff; }
.calc__row--hl span:first-child { color: var(--gold-soft); }
.calc__note { font-size: 0.78rem; color: rgba(255,255,255,0.5); margin: 24px 0 0; line-height: 1.6; }
.calc__result .btn { margin-top: auto; align-self: flex-start; }
.calc__result .calc__note + .btn { margin-top: 28px; }

/* Forms ------------------------------------------------------------------- */
.field { display: flex; flex-direction: column; gap: 8px; }
.field label, .field .label { font-size: 0.68rem; font-weight: 500; letter-spacing: 0.24em; text-transform: uppercase; color: var(--muted); }
.field input, .field select, .field textarea {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  color: var(--ink);
  background: transparent;
  border: 0;
  border-bottom: 1px solid rgba(14,14,14,0.25);
  padding: 10px 0 12px;
  border-radius: 0;
  transition: border-color 0.3s;
  -webkit-appearance: none;
  appearance: none;
}
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23b08d57' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 2px center;
  padding-right: 24px;
}
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); }
.field input[type="range"] { border: 0; padding: 0; height: 24px; background: transparent; }
.field input[type="range"]::-webkit-slider-runnable-track { height: 1px; background: var(--ink); }
.field input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--gold); margin-top: -9px; border: 3px solid #fff; box-shadow: 0 0 0 1px var(--gold); }
.field input[type="range"]::-moz-range-track { height: 1px; background: var(--ink); }
.field input[type="range"]::-moz-range-thumb { width: 14px; height: 14px; border-radius: 50%; background: var(--gold); border: 3px solid #fff; box-shadow: 0 0 0 1px var(--gold); }
.field__value { font-family: var(--serif); font-size: 1.5rem; color: var(--ink); line-height: 1; }
.field__head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }

.form { display: grid; grid-template-columns: 1fr 1fr; gap: 30px 34px; }
.form .full { grid-column: 1 / -1; }
.checks { display: flex; flex-wrap: wrap; gap: 10px; }
.check { position: relative; }
.check input { position: absolute; opacity: 0; pointer-events: none; }
.check span {
  display: inline-block;
  padding: 10px 18px;
  border: 1px solid rgba(14,14,14,0.2);
  font-size: 0.8rem;
  letter-spacing: 0.06em;
  cursor: pointer;
  transition: all 0.25s;
}
.check input:checked + span { background: var(--ink); color: #fff; border-color: var(--ink); }
.check input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 2px; }
.form-note { font-size: 0.78rem; color: var(--muted); margin: 0; }
.hp { position: absolute; left: -9999px; }

.contact-card { background: var(--ink); color: rgba(255,255,255,0.75); padding: clamp(32px, 4vw, 56px); }
.contact-card h3 { color: #fff; }
.contact-list { margin-top: 30px; }
.contact-list li { padding: 18px 0; border-top: 1px solid var(--line-light); }
.contact-list .label { display: block; font-size: 0.66rem; letter-spacing: 0.28em; text-transform: uppercase; color: var(--gold-soft); margin-bottom: 4px; }
.contact-list a, .contact-list address { color: #fff; font-style: normal; font-size: 1.05rem; }
.contact-list a:hover { color: var(--gold-soft); }

/* Feature list / cards ---------------------------------------------------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 60px; }
.card { background: #fff; border: 1px solid var(--line); padding: 44px 36px; transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease); }
.card:hover { transform: translateY(-6px); box-shadow: 0 30px 60px -40px rgba(0,0,0,0.35); }
.card__icon { width: 40px; height: 40px; color: var(--gold); margin-bottom: 26px; }
.card h3 { font-size: 1.75rem; }
.card p { color: var(--muted); font-size: 0.97rem; margin: 0; }
.section--dark .card { background: var(--ink-soft); border-color: var(--line-light); }
.section--dark .card p { color: rgba(255,255,255,0.65); }

.ticks li { position: relative; padding: 14px 0 14px 34px; border-bottom: 1px solid var(--line); }
.ticks li::before { content: ""; position: absolute; left: 4px; top: 24px; width: 12px; height: 6px; border-left: 1px solid var(--gold); border-bottom: 1px solid var(--gold); transform: rotate(-45deg); }
.section--dark .ticks li { border-color: var(--line-light); }

/* FAQ --------------------------------------------------------------------- */
.faq { margin-top: 50px; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none;
  cursor: pointer;
  padding: 28px 50px 28px 0;
  position: relative;
  font-family: var(--serif);
  font-size: clamp(1.25rem, 2vw, 1.55rem);
  color: var(--ink);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%); font-family: var(--sans); font-weight: 200; font-size: 1.8rem; color: var(--gold); transition: transform 0.3s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { color: var(--muted); padding-right: 50px; }

/* Credentials strip ------------------------------------------------------- */
.creds { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.cred { padding: 34px 24px; text-align: center; border-right: 1px solid var(--line); }
.cred:last-child { border-right: 0; }
.cred strong { display: block; font-family: var(--serif); font-weight: 400; font-size: 1.9rem; color: var(--ink); line-height: 1.1; }
.cred span { font-size: 0.68rem; letter-spacing: 0.26em; text-transform: uppercase; color: var(--muted); }

/* Gallery strip ----------------------------------------------------------- */
.gallery { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
.gallery img { width: 100%; aspect-ratio: 3 / 4; object-fit: cover; }
.gallery img:nth-child(2) { margin-top: 60px; }

/* CTA band ---------------------------------------------------------------- */
.cta-band { position: relative; background: var(--ink); color: #fff; overflow: hidden; }
.cta-band .split { min-height: 560px; }
.cta-band__media { align-self: stretch; position: relative; }
.cta-band__media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 25%; }
.cta-band__copy { padding: var(--section) 0; }
.cta-band h2 { color: #fff; }
.cta-band .lead { color: rgba(255,255,255,0.72); }

/* Footer ------------------------------------------------------------------ */
.footer { background: #080808; color: rgba(255,255,255,0.6); padding: 100px 0 40px; font-size: 0.92rem; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 60px; border-bottom: 1px solid var(--line-light); }
.footer .brand__name { color: #fff; }
.footer h5 { margin: 0 0 22px; font-family: var(--sans); font-weight: 500; font-size: 0.68rem; letter-spacing: 0.3em; text-transform: uppercase; color: var(--gold-soft); }
.footer li { margin-bottom: 10px; }
.footer a:hover { color: #fff; }
.footer address { font-style: normal; }
.footer__about { margin-top: 26px; max-width: 340px; }
.footer__legal { padding-top: 34px; display: grid; gap: 18px; font-size: 0.76rem; line-height: 1.7; color: rgba(255,255,255,0.45); }
.footer__legal-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 18px; }
.eho { display: inline-flex; align-items: center; gap: 10px; }
.eho svg { width: 26px; height: 26px; }

/* Floating contact (mobile) ---------------------------------------------- */
.float-cta { display: none; }

/* Reveal animations ------------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity 1s var(--ease), transform 1s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }
.reveal-delay-1 { transition-delay: 0.12s; }
.reveal-delay-2 { transition-delay: 0.24s; }
.reveal-delay-3 { transition-delay: 0.36s; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
}

.skip { position: absolute; left: -9999px; top: 0; z-index: 100; background: var(--gold); color: #fff; padding: 12px 18px; }
.skip:focus { left: 12px; top: 12px; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

.toast {
  position: fixed;
  left: 50%; bottom: 30px;
  transform: translate(-50%, 30px);
  background: var(--ink);
  color: #fff;
  padding: 18px 28px;
  font-size: 0.9rem;
  opacity: 0;
  transition: all 0.4s var(--ease);
  z-index: 90;
  max-width: calc(100% - 32px);
}
.toast.is-on { opacity: 1; transform: translate(-50%, 0); }


/* Live mortgage rates ---------------------------------------------------- */
.calc__live { margin: 4px 0 0; font-size: 0.8rem; color: var(--muted); }
.calc__live strong { color: var(--ink); font-weight: 500; }
.field input[type="number"] { -moz-appearance: textfield; }
.rates { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); }
.rate { background: #fff; padding: 34px 26px; display: flex; flex-direction: column; gap: 10px; }
.rate__label { font-size: 0.68rem; font-weight: 500; letter-spacing: 0.24em; text-transform: uppercase; color: var(--muted); }
.rate__value { font-family: var(--serif); font-size: clamp(2.6rem, 4vw, 3.4rem); line-height: 1; color: var(--ink); }
.rate__change { font-size: 0.82rem; color: var(--muted); }
.rate:first-child { background: var(--ink); }
.rate:first-child .rate__value { color: #fff; }
.rate:first-child .rate__label { color: var(--gold-soft); }
.rate:first-child .rate__change { color: rgba(255,255,255,0.65); }
.rates__asof { display: block; margin-top: 10px; font-size: 0.85rem; letter-spacing: 0.04em; color: var(--ink); }
.rates__source { margin-top: 18px; font-size: 0.76rem; color: var(--muted); }
.rates__source a { color: inherit; }
.mnd { display: flex; flex-wrap: wrap; align-items: center; gap: 32px; margin-top: 48px; padding-top: 40px; border-top: 1px solid var(--line); }
.mnd__text { flex: 1 1 320px; }
.mnd__text h3 { margin: 8px 0 12px; }
.mnd__text p { color: var(--muted); font-size: 0.92rem; }
.mnd__widget { flex: 0 0 auto; }

/* Comparison table -------------------------------------------------------- */
.compare { margin-top: 56px; overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--line); background: #fff; }
.compare table { width: 100%; min-width: 640px; border-collapse: collapse; font-size: 0.95rem; }
.compare th, .compare td { padding: 20px 24px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.compare thead th { font-family: var(--serif); font-weight: 400; font-size: 1.5rem; color: var(--ink); }
.compare tbody th { font-weight: 500; font-size: 0.72rem; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); width: 26%; }
.compare tbody tr:last-child th, .compare tbody tr:last-child td { border-bottom: 0; }
.compare .is-feature { background: var(--ink); color: rgba(255,255,255,0.85); border-bottom-color: var(--line-light); }
.compare thead .is-feature { color: var(--gold-soft); }

.disclosure { font-size: 0.78rem; line-height: 1.75; color: var(--muted); margin: 0; }

/* Responsive -------------------------------------------------------------- */
@media (max-width: 1360px) {
  .nav__list { gap: 18px; }
  .nav { gap: 22px; }
  .nav__list a { letter-spacing: 0.14em; }
}

@media (max-width: 1100px) {
  .rates { grid-template-columns: repeat(3, 1fr); }
  .advantages { grid-template-columns: repeat(2, 1fr); }
  .process { grid-template-columns: repeat(2, 1fr); row-gap: 56px; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 1180px) {
  .nav__list, .nav .btn { display: none; }
  .menu-toggle { display: block; z-index: 60; }
}

@media (max-width: 960px) {
  .menu-toggle { display: block; z-index: 60; }
  .topbar__links span { display: none; }

  .hero__grid { grid-template-columns: 1fr; min-height: 0; }
  .hero__media { order: -1; height: 62vh; min-height: 420px; }
  .hero__media img { object-position: center 58%; }
  .hero__media::after { background: linear-gradient(0deg, var(--ink) 0%, rgba(14,14,14,0) 45%); }
  .hero__copy { padding: 10px var(--gutter) 72px; margin-top: -90px; }

  .paths, .cards { grid-template-columns: 1fr; }
  .split, .split--wide-text, .dual-head, .calc { grid-template-columns: 1fr; }
  .dual-head { gap: 20px; margin-bottom: 50px; }
  .split__media--offset::before { left: -14px; right: 14px; top: 14px; bottom: -14px; }
  .communities { grid-template-columns: 1fr 1fr; }
  .community--feature { grid-column: span 2; }
  .creds { grid-template-columns: 1fr 1fr; }
  .cred:nth-child(2) { border-right: 0; }
  .cred:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .cta-band .split { min-height: 0; }
  .cta-band__media { height: 440px; }
  .cta-band__copy { padding: 64px 0 80px; }

  .float-cta {
    display: grid;
    grid-template-columns: 1fr 1fr;
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 30;
    background: var(--ink);
    border-top: 1px solid var(--line-light);
    padding-bottom: env(safe-area-inset-bottom);
  }
  .float-cta a { text-align: center; padding: 16px 8px; color: #fff; font-size: 0.7rem; letter-spacing: 0.22em; text-transform: uppercase; }
  .float-cta a + a { background: var(--gold); }
  .footer { padding-bottom: 100px; }
}

@media (max-width: 640px) {
  body { font-size: 16px; }
  .topbar { display: none; }
  .header .wrap { min-height: 72px; }
  .brand__name { font-size: 1.3rem; letter-spacing: 0.12em; }
  .brand__tag { font-size: 0.52rem; letter-spacing: 0.3em; }
  .hero__badges { display: grid; grid-template-columns: repeat(3, auto); justify-content: space-between; gap: 12px; margin-top: 40px; font-size: 0.56rem; letter-spacing: 0.16em; }
  .hero__badges strong { font-size: 1.4rem; }
  .pillars { grid-template-columns: 1fr; }
  .pillar, .pillar:nth-child(even) { padding: 30px 0; border-left: 0; grid-template-columns: 56px 1fr; }
  .advantages, .process, .communities { grid-template-columns: 1fr; }
  .rates { grid-template-columns: 1fr 1fr; }
  .rate:first-child { grid-column: 1 / -1; }
  .rate { padding: 24px 18px; }
  .community--feature { grid-column: auto; }
  .community { min-height: 240px; }
  .form { grid-template-columns: 1fr; }
  .gallery { grid-template-columns: 1fr 1fr; }
  .gallery img:nth-child(2) { margin-top: 40px; }
  .gallery img:nth-child(3) { display: none; }
  .footer__grid { grid-template-columns: 1fr; gap: 36px; }
  .split__media-caption { position: static; max-width: none; padding: 20px 0 0; background: none; }
  .btn { width: 100%; }
  .btn-row { flex-direction: column; }
  .calc__result .btn { align-self: stretch; }
  .cred strong { font-size: 1.5rem; }
  .cred { padding: 26px 12px; }
}

/* Life insurance estimate section (#lq) -------------------------------- */
  #lq {
    --lq-bg: var(--ivory);
    --lq-card: #ffffff;
    --lq-ink: var(--ink);
    --lq-muted: var(--muted);
    --lq-line: var(--sand);
    --lq-accent: var(--ink);
    --lq-accent-ink: #ffffff;
    --lq-soft: var(--paper);
    --lq-gold: var(--gold);
    font-family: var(--sans);
    color: var(--lq-ink);
    background: var(--lq-bg);
    padding: var(--section) 0;
  }
  #lq * { box-sizing: border-box; }
  #lq .wrap { max-width: 860px; }
  #lq h2 { font-family: var(--serif); font-weight: 400; font-size: clamp(2.2rem, 4.4vw, 3.2rem); margin: 0 0 14px; }
  #lq .sub { color: var(--lq-muted); margin: 0 0 28px; line-height: 1.5; }
  #lq .card { background: var(--lq-card); border: 1px solid var(--lq-line); border-radius: 14px; padding: 24px; }
  #lq .tabs { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 20px; }
  #lq .tab {
    border: 1px solid var(--lq-line); background: transparent; color: var(--lq-ink);
    padding: 9px 14px; border-radius: 999px; font: inherit; font-size: .92rem; cursor: pointer;
  }
  #lq .tab[aria-selected="true"] { background: var(--lq-accent); color: var(--lq-accent-ink); border-color: var(--lq-accent); }
  #lq .tab:focus-visible, #lq button:focus-visible, #lq input:focus-visible, #lq select:focus-visible { outline: 2px solid var(--lq-accent); outline-offset: 2px; }
  #lq .blurb { color: var(--lq-muted); line-height: 1.55; margin: 0 0 20px; }
  #lq .grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-bottom: 20px; }
  #lq label { display: block; font-size: .82rem; font-weight: 600; margin-bottom: 6px; }
  #lq select, #lq input[type=text], #lq input[type=email], #lq input[type=tel], #lq input[type=number] {
    width: 100%; padding: 10px 12px; border: 1px solid var(--lq-line); border-radius: 8px; font: inherit; background: #fff; color: var(--lq-ink);
  }
  #lq .amount { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 6px; }
  #lq .amount strong { font-size: 1.4rem; }
  #lq input[type=range] { width: 100%; accent-color: var(--lq-accent); }
  #lq .ticks { display: flex; justify-content: space-between; font-size: .75rem; color: var(--lq-muted); }
  #lq .result { margin-top: 20px; background: var(--lq-soft); border-radius: 10px; padding: 18px; }
  #lq .result .big { font-size: 1.8rem; font-weight: 700; color: var(--lq-accent); }
  #lq .result p { margin: 6px 0 0; color: var(--lq-muted); font-size: .9rem; line-height: 1.45; }
  #lq .cta { margin-top: 18px; width: 100%; padding: 13px; border: 0; border-radius: 8px; background: var(--lq-accent); color: var(--lq-accent-ink); font: inherit; font-weight: 600; cursor: pointer; }
  #lq form { display: none; margin-top: 20px; border-top: 1px solid var(--lq-line); padding-top: 20px; }
  #lq form.open { display: block; }
  #lq .two { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
  #lq .consent { display: flex; gap: 8px; font-size: .78rem; color: var(--lq-muted); line-height: 1.4; margin: 12px 0; }
  #lq .consent input { margin-top: 3px; }
  #lq .thanks { display: none; text-align: center; padding: 20px 0 4px; }
  #lq .fine { font-size: .74rem; color: var(--lq-muted); line-height: 1.5; margin-top: 18px; }
  #lq [hidden] { display: none !important; }
  @media (max-width: 600px) {
    #lq .grid, #lq .two { grid-template-columns: 1fr; }
    #lq .card { padding: 18px; }
  }
  /* Site styling: serif numbers, square corners, gold accents */
  #lq .card, #lq .tab, #lq select, #lq input[type=text], #lq input[type=email], #lq input[type=tel], #lq input[type=number], #lq .result, #lq .cta { border-radius: 0; }
  #lq .card:hover { transform: none; box-shadow: none; }
  #lq .card { padding: clamp(22px, 4vw, 40px); }
  #lq .tab { font-size: .7rem; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; padding: 11px 13px; }
  #lq label { font-weight: 500; font-size: .68rem; letter-spacing: .22em; text-transform: uppercase; color: var(--lq-muted); }
  #lq .consent { text-transform: none; letter-spacing: 0; font-weight: 300; font-size: .8rem; }
  #lq .amount strong, #lq .result .big { font-family: var(--serif); font-weight: 400; }
  #lq .amount strong { font-size: 1.7rem; }
  #lq .result { border-left: 2px solid var(--lq-gold); }
  #lq .result .big { font-size: clamp(2rem, 5vw, 2.6rem); color: var(--lq-ink); }
  #lq input[type=range] { accent-color: var(--lq-gold); }
  #lq .cta { font-size: .74rem; font-weight: 500; letter-spacing: .24em; text-transform: uppercase; padding: 17px; transition: background .3s; }
  #lq .cta:hover { background: var(--lq-gold); }
  #lq .tab:focus-visible, #lq button:focus-visible, #lq input:focus-visible, #lq select:focus-visible { outline-color: var(--lq-gold); }
  #lq .thanks > div:first-child { font-family: var(--serif); font-weight: 400 !important; font-size: 1.8rem !important; }
  /* IUL is her specialty: first tab, gold outline and a small label */
  #lq .tab[data-tab="iul"] { border-color: var(--lq-gold); }
  #lq .tab[data-tab="iul"]::after { content: "My specialty"; margin-left: 8px; padding: 2px 6px; font-size: .55rem; letter-spacing: .14em; background: var(--lq-gold); color: #fff; vertical-align: 1px; }
  /* Final Expense: instant decisions callout and tab label */
  #lq .tab[data-tab="fe"]::after { content: "Instant"; margin-left: 8px; padding: 2px 6px; font-size: .55rem; letter-spacing: .14em; border: 1px solid var(--lq-gold); color: var(--lq-gold); vertical-align: 1px; }
  #lq .tab[data-tab="fe"][aria-selected="true"]::after { color: #fff; background: var(--lq-gold); }
  #lq .instant { border-left: 2px solid var(--lq-gold); background: var(--lq-soft); padding: 16px 18px; margin: -6px 0 22px; }
  #lq .instant strong { display: block; font-family: var(--serif); font-weight: 400; font-size: 1.35rem; margin-bottom: 4px; }
  #lq .instant p { margin: 0; color: var(--lq-muted); font-size: .92rem; line-height: 1.5; }

/* Gold tag ("My specialty", "Instant decisions") used on cards and lists */
.badge-tag { display: inline-block; font-size: .6rem; font-weight: 500; letter-spacing: .18em; text-transform: uppercase; color: #fff; background: var(--gold); padding: 4px 8px; vertical-align: 2px; }
.card .badge-tag { display: table; margin-bottom: 14px; }
.card .link-arrow { margin-top: 18px; }
.ticks li .badge-tag { margin-left: 10px; }
.tick-link { color: inherit; }
.tick-link:hover { color: var(--gold-soft); }

/* Page hero with a tall portrait (insurance.html): the photo fills the right side on
   desktop so her face sits beside the headline. On phones it is scaled up and anchored
   low so her face lands in the open space above the headline. */
.page-hero--portrait .page-hero__bg { left: auto; width: 56%; background-position: 50% 30%; opacity: 0.55; }
.page-hero--portrait .page-hero__bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, var(--ink), rgba(14,14,14,0) 45%); }
.page-hero--portrait h1, .page-hero--portrait .lead { max-width: 58%; }
@media (max-width: 960px) {
  .page-hero--portrait .page-hero__bg { width: auto; left: 0; background-position: 44% 72%; opacity: 0.4; }
  .page-hero--portrait .page-hero__bg::after { display: none; }
  .page-hero--portrait h1, .page-hero--portrait .lead { max-width: none; }
}
@media (max-width: 640px) {
  .page-hero--portrait .page-hero__bg { background-size: auto 130%; background-position: 44% 100%; opacity: 0.45; }
}

/* ---- Lead pages: /protect quiz, consent box, legal pages ---- */
.quiz [hidden], [data-thanks-life][hidden], [data-thanks-re][hidden], [data-thanks-call][hidden] { display: none !important; }
.quiz { background: #fff; border: 1px solid var(--line); padding: clamp(28px, 5vw, 56px); }
.quiz__progress { height: 2px; background: var(--line); margin-bottom: 40px; }
.quiz__progress span { display: block; height: 100%; width: 0; background: var(--gold); transition: width 0.4s var(--ease); }
.quiz__step { border: 0; margin: 0; padding: 0; min-width: 0; }
.quiz__step legend { font-family: var(--serif); font-size: clamp(1.6rem, 3vw, 2.2rem); color: var(--ink); line-height: 1.2; margin-bottom: 28px; padding: 0; }
.quiz__count { display: block; font-size: 0.68rem; letter-spacing: 0.24em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; font-family: var(--sans); }
.quiz__step--need .quiz__choices { outline: 1px solid #b42318; outline-offset: 8px; }
.quiz__nav { display: flex; justify-content: space-between; gap: 14px; margin-top: 40px; }
.quiz__nav [data-next] { margin-left: auto; }
.quiz__number { font-family: var(--serif); font-size: clamp(3rem, 8vw, 5rem); color: var(--ink); line-height: 1; margin: 18px 0 14px; }
.quiz__oos { color: #8a5a00; background: #fff7e6; padding: 12px 16px; margin-top: 18px; }
.consent-box { display: flex; gap: 12px; align-items: flex-start; font-size: 0.8rem; line-height: 1.55; color: var(--muted); cursor: pointer; }
.consent-box input { margin-top: 3px; width: 18px; height: 18px; flex: 0 0 18px; accent-color: var(--gold); }
.consent-box a { color: var(--ink); text-decoration: underline; }
.consent-box--strong { border: 1.5px solid var(--gold); border-radius: 10px; padding: 14px 16px; background: rgba(176,141,87,.07); }
.consent-box--strong input { width: 22px; height: 22px; flex: 0 0 22px; }
.consent-box__yes { display: block; color: var(--ink); font-size: 1rem; font-weight: 600; margin-bottom: 4px; }
.consent-box small { display: block; margin-top: 8px; font-size: .74rem; line-height: 1.5; }
.consent-box--nudge { animation: consentPulse .9s ease 2; border-color: #b42318; }
@keyframes consentPulse { 50% { box-shadow: 0 0 0 6px rgba(176,141,87,.35); } }
.form-error { color: #b42318; font-size: 0.88rem; margin: 0; }
.legal h3 { margin-top: 36px; font-size: 1.5rem; }
.legal p, .legal li { color: var(--muted); }
.legal ul { padding-left: 20px; }
@media (max-width: 720px) { .quiz .form, .form { grid-template-columns: 1fr; } }