:root{
  --navy:#0f2a4a;
  --navy-dark:#0a1d33;
  --navy-light:#1b3a5e;
  --flag:#b31942;
  --flag-dark:#7f0e2c;
  --white:#ffffff;
  --ink:#1f2d3d;
  --muted:#5b6b7d;
  --line:#e3e9f0;
  --bg-soft:#f4f7fa;
  --radius:14px;
  --shadow:0 10px 30px rgba(15,42,74,.10);
  --maxw:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);
  line-height:1.6;
  background:var(--white);
  -webkit-font-smoothing:antialiased;
}
.skip-link{
  position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;
  padding:.6rem 1rem;z-index:200;border-radius:0 0 8px 0;
}
.skip-link:focus{left:0}
a{color:var(--flag-dark)}
:focus-visible{outline:3px solid var(--flag);outline-offset:2px;border-radius:4px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 1.25rem}

/* Header */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.96);backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:.65rem;text-decoration:none}
.brand-mark-img{width:46px;height:46px;object-fit:contain;flex:0 0 46px}
.brand-mark-img--dark{background:#fff;border-radius:11px;padding:3px}
.brand-lockup{display:flex;align-items:center;gap:.7rem}
.brand-stack{display:flex;flex-direction:column;line-height:1.2}
.brand-sub{font-size:.62rem;font-weight:600;color:var(--muted);letter-spacing:.02em;white-space:nowrap}
.brand-name{font-weight:800;font-size:1.25rem;color:var(--navy);letter-spacing:-.02em}
.brand-name span{color:var(--flag)}
.site-footer .brand-name{color:#fff}
.footer-cobrand{display:flex;gap:14px;align-items:center;margin:1rem 0;padding:1rem 1.25rem;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:12px}
.footer-cobrand img{width:54px;height:54px;object-fit:contain;flex:0 0 54px;background:#fff;border-radius:10px;padding:4px}
.footer-cobrand span{font-size:.82rem}
.main-nav{display:flex;align-items:center;gap:1.5rem}
.main-nav a.nav-link{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
.main-nav a.nav-link:hover{color:var(--flag-dark)}
.btn{
  display:inline-block;text-decoration:none;font-weight:700;cursor:pointer;border:0;
  padding:.8rem 1.6rem;border-radius:10px;font-size:1rem;transition:transform .12s ease,box-shadow .12s ease,background .12s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--flag);color:#fff;box-shadow:0 6px 18px rgba(179,25,66,.35)}
.btn-primary:hover{background:var(--flag-dark)}
.btn-outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7)}
.btn-outline:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-nav{padding:.6rem 1.2rem;font-size:.92rem}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy);cursor:pointer;padding:.4rem}

/* Hero — photographic, night brand */
.hero{
  background:
    linear-gradient(100deg, rgba(10,29,51,.92) 0%, rgba(10,29,51,.72) 42%, rgba(10,29,51,.34) 72%, rgba(10,29,51,.55) 100%),
    url('/assets/hero-home-dusk.jpg') center 62%/cover no-repeat var(--navy-dark);
  color:#fff;padding:7rem 0 0;position:relative;overflow:hidden;
}
.hero-copy{max-width:62ch;position:relative;z-index:1;animation:hero-rise .9s ease-out both}
@keyframes hero-rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
.hero h1{font-size:clamp(2.6rem,5.6vw,4.1rem);line-height:1.08;letter-spacing:-.025em;margin-bottom:1.25rem}
.hero h1 .accent{color:#f43f5e} /* vivid flag red: reads RED not pink; ~3.9:1 on navy, passes large-text */
.hero p.lead{font-size:1.25rem;color:#d9e4ee;max-width:44ch;margin-bottom:2.25rem}
.hero-ctas{display:flex;gap:1rem;flex-wrap:wrap;position:relative;z-index:1}
.hero-note{margin-top:1.4rem;font-size:.92rem;color:#b9cbdd}
.hero-proofbar{
  position:relative;z-index:1;margin-top:4rem;
  border-top:1px solid rgba(255,255,255,.18);
  background:linear-gradient(180deg,rgba(10,29,51,.55),rgba(10,29,51,.82));
  backdrop-filter:blur(4px);
}
.hero-proofbar ul{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);max-width:var(--maxw);margin:0 auto;padding:0 1.25rem}
.hero-proofbar li{padding:1.35rem 1.5rem 1.6rem;border-left:1px solid rgba(255,255,255,.14)}
.hero-proofbar li:first-child{border-left:0;padding-left:1.25rem}
.hero-proofbar strong{display:block;color:#fff;font-size:1rem;letter-spacing:-.01em}
.hero-proofbar span{font-size:.83rem;color:#9fb2c6;line-height:1.45;display:block;margin-top:.15rem}
.hero-kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.76rem;font-weight:700;color:#c9a869;margin-bottom:1.1rem;max-width:52ch} /* antique gold kicker */
@media(max-width:900px){
  .hero{padding:5rem 0 0}
  .hero-proofbar ul{grid-template-columns:1fr 1fr}
  .hero-proofbar li{padding:1rem 1rem 1.1rem}
  .hero-proofbar li:nth-child(odd){border-left:0;padding-left:0}
}

/* Trust band — editorial hairline strip */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:2.25rem 0 2rem}
.trust-item{display:block;padding:0 1.75rem;border-left:1px solid var(--line)}
.trust-item:first-child{border-left:0;padding-left:1.25rem}
.trust-icon{display:none}
.trust-item h3{font-size:1.02rem;color:var(--navy);margin-bottom:.25rem;letter-spacing:-.01em}
.trust-item p{font-size:.88rem;color:var(--muted);line-height:1.55}
@media(max-width:900px){.trust-grid{grid-template-columns:1fr 1fr;gap:1.25rem 0;padding:1.5rem 0}
.trust-item:nth-child(odd){border-left:0;padding-left:1.25rem}}
@media(max-width:560px){.trust-grid{grid-template-columns:1fr}
.trust-item{border-left:0!important;padding-left:1.25rem!important}}

/* Sections */
section.block{padding:4.5rem 0}
section.block.alt{background:var(--bg-soft)}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:800;color:var(--flag-dark);margin-bottom:.6rem}
.eyebrow-light{color:#d9b98a}
h2.section-title{font-size:clamp(1.9rem,4vw,2.75rem);color:var(--navy);letter-spacing:-.025em;margin-bottom:.85rem}
.section-sub{color:var(--muted);font-size:1.08rem;max-width:60ch;margin-bottom:2.25rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.25rem}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:1.6rem;box-shadow:var(--shadow);transition:transform .12s ease,box-shadow .12s ease;
}
.card:hover{transform:translateY(-3px);box-shadow:0 16px 34px rgba(15,42,74,.14)}
a.card{text-decoration:none;color:inherit;display:block;cursor:pointer}
.card-cta{font-weight:700;color:var(--flag-dark);margin-top:.75rem;font-size:.92rem}
a.card:hover .card-cta{text-decoration:underline}
.card h3{color:var(--navy);font-size:1.12rem;margin-bottom:.5rem}
.card p{font-size:.95rem;color:var(--muted)}
section.block.alt .card{background:#fff}
/* Editorial card rhythms — personal lines */
.cards-lg{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem;margin-bottom:1.25rem}
.cards-lg .card{padding:2rem;border-left:4px solid var(--flag)}
.cards-lg .card h3{font-size:1.35rem;letter-spacing:-.015em}
.cards-sm{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.cards-sm .card{padding:1.4rem;box-shadow:none}
.cards-sm .card h3{font-size:1.05rem}
/* Flood feature banner — photographic, night brand */
.flood-banner{
  display:block;position:relative;overflow:hidden;text-decoration:none;color:#fff;
  border-radius:var(--radius);margin-bottom:1.25rem;box-shadow:var(--shadow);
  background:
    linear-gradient(100deg,rgba(10,29,51,.88) 0%,rgba(10,29,51,.55) 55%,rgba(10,29,51,.25) 100%),
    url('/assets/coastal-flood-dusk.jpg') center 70%/cover no-repeat var(--navy-dark);
}
.flood-banner .fb-inner{padding:2.6rem 2.5rem;max-width:60ch;position:relative;z-index:1}
.flood-banner .fb-tag{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  background:var(--flag);color:#fff;border-radius:999px;padding:.35rem .9rem;margin-bottom:1rem}
.flood-banner h3{font-size:clamp(1.5rem,2.8vw,2rem);letter-spacing:-.02em;margin-bottom:.6rem;color:#fff}
.flood-banner p{color:#d9e4ee;font-size:1.02rem;max-width:52ch}
.flood-banner .card-cta{color:#d9b98a;font-weight:800;margin-top:1rem;display:inline-block}
.flood-banner:hover .card-cta{text-decoration:underline}
.flood-banner:hover .fb-zoom{transform:scale(1.03)}
.flood-banner .fb-zoom{position:absolute;inset:0;background:
    linear-gradient(100deg,rgba(10,29,51,.88) 0%,rgba(10,29,51,.55) 55%,rgba(10,29,51,.25) 100%),
    url('/assets/coastal-flood-dusk.jpg') center 70%/cover no-repeat var(--navy-dark);
  transition:transform .6s ease}
@media(max-width:700px){.cards-lg{grid-template-columns:1fr}.cards-sm{grid-template-columns:1fr}
.flood-banner .fb-inner{padding:2rem 1.5rem}}

/* How it works — timeline */
.timeline{list-style:none;counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:.5rem}
.timeline li{counter-increment:step;position:relative;padding:2.2rem 2rem 0 0}
.timeline li::before{
  content:"0" counter(step);
  display:block;font-weight:800;font-size:2.6rem;letter-spacing:-.03em;color:var(--flag);
  line-height:1;margin-bottom:.9rem;opacity:.92;
}
.timeline li::after{
  content:"";position:absolute;top:.85rem;left:0;right:1.5rem;height:2px;
  background:linear-gradient(90deg,var(--flag) 0 14px,var(--line) 14px);
  border-radius:2px;
}
.timeline h3{color:var(--navy);margin-bottom:.4rem;font-size:1.18rem;letter-spacing:-.015em}
.timeline p{color:var(--muted);font-size:.95rem}
@media(max-width:900px){
  .timeline{grid-template-columns:1fr}
  .timeline li{padding:1.5rem 0 0 3.2rem;border-left:2px solid var(--line);padding-left:1.25rem}
  .timeline li::before{font-size:1.5rem;margin-bottom:.4rem}
  .timeline li::after{display:none}
}
.fineprint{margin-top:1.75rem;font-size:.9rem;color:var(--muted);background:#eaf1f7;border-radius:10px;padding:1rem 1.25rem}

/* Quote form */
.quote-section{background:linear-gradient(160deg,var(--navy-dark),var(--navy));color:#fff}
.quote-section h2.section-title{color:#fff}
.quote-section .section-sub{color:#cdd9e5}
.quote-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:3rem;align-items:start}
.quote-copy p{color:#cdd9e5;margin-bottom:1rem}
.quote-copy ul{list-style:none;margin-top:1.25rem}
.quote-copy li{margin-bottom:.7rem;color:#e7eef5;padding-left:1.6rem;position:relative}
.quote-copy li::before{content:"✓";position:absolute;left:0;color:var(--flag);font-weight:800}
.form-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:2rem;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.form-card h3{color:var(--navy);margin-bottom:1.25rem;font-size:1.25rem}
.field{margin-bottom:1.1rem}
.form-row{display:grid;gap:1.1rem;margin-bottom:1.1rem}
.form-row .field{margin-bottom:0}
@media (min-width:560px){
  .form-row{grid-template-columns:1fr 1fr}
}
.field label{display:block;font-weight:700;font-size:.9rem;margin-bottom:.35rem;color:var(--navy)}
.field input[type="text"],.field input[type="email"],.field input[type="tel"],
.field select,.field textarea{
  width:100%;padding:.75rem .9rem;border:2px solid var(--line);border-radius:10px;
  font-size:1rem;font-family:inherit;background:#fff;color:var(--ink);
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--flag);outline:none}
.field input:focus-visible,.field select:focus-visible,.field textarea:focus-visible{outline:3px solid var(--flag);outline-offset:2px}
.field-hint{display:block;margin-top:.35rem;font-size:.82rem;color:var(--muted);line-height:1.45}
.field-hint a{color:var(--flag);font-weight:600}
.field .error-msg{display:none;color:#b42318;font-size:.85rem;margin-top:.3rem;font-weight:600}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:#b42318}
.field.invalid .error-msg{display:block}
.type-toggle{display:grid;grid-template-columns:1fr 1fr;gap:.6rem}
.type-toggle input{position:absolute;opacity:0;pointer-events:none}
.type-toggle label{
  display:block;text-align:center;padding:.8rem;border:2px solid var(--line);border-radius:10px;
  font-weight:700;cursor:pointer;color:var(--muted);margin:0;transition:border-color .12s,background .12s,color .12s;
}
.type-toggle input:checked + label{border-color:var(--flag);background:#fbe9ec;color:var(--navy)}
.type-toggle input:focus-visible + label{outline:3px solid var(--flag);outline-offset:2px}
.form-card .btn-primary{width:100%;padding:.95rem;font-size:1.05rem}
.form-status{margin-top:1rem;border-radius:10px;padding:1rem 1.25rem;display:none}
.form-status.success{display:block;background:#e6f6ef;color:#0b5c3f;border:1px solid #bfe6d2;font-weight:600}
.form-status.sending{display:block;background:#eaf1f7;color:var(--navy);border:1px solid var(--line)}
.form-status.error{display:block;background:#fdecea;color:#8f1d1d;border:1px solid #f5c6c6;font-weight:600}

/* Business — editorial hairline rows */
.biz-rows{border-top:2px solid var(--navy)}
.biz-row{
  display:grid;grid-template-columns:2.2rem 1fr auto;gap:1.5rem;align-items:center;
  padding:1.35rem .5rem;border-bottom:1px solid var(--line);text-decoration:none;color:inherit;
  transition:background .12s ease,padding .12s ease;
}
.biz-row:hover{background:#fff}
.biz-num{font-weight:800;color:var(--flag-dark);font-size:1rem;opacity:.85}
.biz-row h3{color:var(--navy);font-size:1.15rem;letter-spacing:-.015em;margin-bottom:.15rem}
.biz-row p{font-size:.93rem;color:var(--muted);margin:0}
.biz-go{font-weight:800;color:var(--flag-dark);font-size:1.4rem;line-height:1;transition:transform .12s ease}
.biz-row:hover .biz-go{transform:translateX(5px)}
.biz-hub{
  display:grid;grid-template-columns:1fr auto;gap:1.5rem;align-items:center;
  background:linear-gradient(120deg,var(--navy-dark),var(--navy));color:#fff;
  border-radius:var(--radius);padding:1.9rem 2rem;margin-top:1.75rem;text-decoration:none;
  box-shadow:var(--shadow);transition:transform .12s ease,box-shadow .12s ease;
}
.biz-hub:hover{transform:translateY(-3px);box-shadow:0 16px 34px rgba(15,42,74,.2)}
.biz-hub .hub-tag{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:999px;padding:.3rem .85rem;margin-bottom:.7rem}
.biz-hub h3{color:#fff;font-size:1.35rem;letter-spacing:-.015em;margin-bottom:.4rem}
.biz-hub p{color:#cdd9e5;font-size:.95rem;margin:0;max-width:60ch}
.biz-hub .btn{justify-self:end}
@media(max-width:700px){.biz-row{grid-template-columns:1fr;gap:.5rem}.biz-go{display:none}
.biz-hub{grid-template-columns:1fr}.biz-hub .btn{justify-self:start}}
/* Coverage area — night band, editorial state list */
.coverage-band{background:linear-gradient(160deg,var(--navy-dark),var(--navy));color:#fff}
.coverage-band h2.section-title{color:#fff;font-size:clamp(2rem,4.5vw,3rem);letter-spacing:-.025em}
.coverage-band .section-sub{color:#b9cbdd}
.coverage-band .eyebrow{color:#d9b98a}
.states-list{list-style:none;display:flex;flex-wrap:wrap;margin-top:2.25rem;border-top:1px solid rgba(255,255,255,.16)}
.states-list li{font-size:clamp(1.05rem,2vw,1.35rem);font-weight:700;letter-spacing:-.01em;color:#fff;
  padding:1.1rem 1.75rem 1.1rem 0;margin-right:1.75rem;border-bottom:1px solid rgba(255,255,255,.16);position:relative}
.states-list li::after{content:"★";position:absolute;right:.55rem;top:50%;transform:translateY(-50%);
  font-size:.7rem;color:#c9a869;opacity:.85}
.states-list li:last-child::after{display:none}
.coverage-note{margin-top:1.75rem;color:#9fb2c6;font-size:.92rem;max-width:64ch}

/* Footer */
.site-footer{background:var(--navy-dark);color:#9fb2c6;padding:3rem 0 2rem;font-size:.92rem}
.flag-stripe{height:6px;background:linear-gradient(90deg,var(--flag) 0 33%,#ffffff 33% 66%,var(--navy) 66% 100%)}
.footer-inner{display:flex;justify-content:space-between;gap:2rem;flex-wrap:wrap;margin-bottom:2rem}
.footer-brand .brand-name{color:#fff}
.footer-brand p{max-width:38ch;margin-top:.6rem}
.footer-nav{display:flex;gap:2.5rem}
.footer-nav h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.7rem}
.footer-nav ul{list-style:none}
.footer-nav li{margin-bottom:.45rem}
.footer-nav a{color:#9fb2c6;text-decoration:none}
.footer-nav a:hover{color:#fff}
.footer-legal{border-top:1px solid rgba(255,255,255,.12);padding-top:1.5rem;color:#7d93a9;font-size:.82rem}
.footer-legal p{margin-bottom:.6rem}

/* Responsive */

/* ---------- Quote wizard ---------- */
.wiz-steps{list-style:none;display:flex;gap:.4rem;margin:0 0 1.5rem;padding:0}
.wiz-steps li{flex:1;text-align:center;font-size:.78rem;font-weight:700;color:var(--muted);padding:.55rem .2rem;border-bottom:3px solid var(--line);white-space:nowrap}
.wiz-steps li span{display:inline-flex;width:22px;height:22px;border-radius:50%;background:var(--line);color:var(--muted);font-size:.72rem;align-items:center;justify-content:center;margin-right:.3rem}
.wiz-steps li.on{color:var(--navy);border-color:var(--flag)}
.wiz-steps li.on span{background:var(--flag);color:#fff}
.wiz-steps li.done{color:var(--flag-dark);border-color:var(--flag-dark)}
.wiz-steps li.done span{background:var(--flag-dark);color:#fff}
.wiz-h{color:var(--navy);font-size:1.25rem;margin-bottom:.35rem}
.wiz-sub{color:var(--muted);font-size:.95rem;margin-bottom:1.25rem}
.type-pick{display:grid;grid-template-columns:1fr 1fr;gap:.7rem;margin-bottom:1.25rem}
.type-pick button{padding:1rem;border:2px solid var(--line);border-radius:12px;background:#fff;font-weight:800;font-size:1rem;color:var(--navy);cursor:pointer;transition:border-color .12s,background .12s}
.type-pick button small{display:block;font-weight:600;color:var(--muted);font-size:.8rem;margin-top:.15rem}
.type-pick button.on{border-color:var(--flag);background:#fbe9ec}
.line-pick{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}
.line-pick button{text-align:left;padding:.9rem 1rem;border:2px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;transition:border-color .12s,background .12s}
.line-pick button b{display:block;color:var(--navy);font-size:.95rem}
.line-pick button small{color:var(--muted);font-size:.8rem}
.line-pick button.on{border-color:var(--flag);background:#fbe9ec}
.line-pick button.on b{color:var(--flag-dark)}
a.line-flood{display:block;margin-top:.7rem;padding:.9rem 1rem;border:2px dashed var(--line);border-radius:12px;text-decoration:none;color:var(--navy)}
a.line-flood b{color:var(--flag-dark)}
a.line-flood small{color:var(--muted);font-size:.82rem;display:block;margin-top:.15rem}
.trade-wrap{margin-top:.7rem;padding:.9rem 1rem;border:1px solid var(--line);border-radius:12px;background:#fbfcfd}
.trade-wrap label{display:block;font-weight:700;color:var(--navy);font-size:.92rem;margin-bottom:.45rem}
.trade-wrap label span{font-weight:600;color:var(--muted);font-size:.8rem}
.trade-wrap select{width:100%;padding:.65rem .8rem;border:2px solid var(--line);border-radius:10px;font-size:.95rem;color:var(--ink);background:#fff}
.trade-refer{margin-top:.7rem;padding:1.05rem 1.1rem;border:2px solid var(--navy);border-radius:12px;background:#f4f7fa}
.trade-refer .eyebrow{display:block;font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--flag-dark);margin-bottom:.3rem}
.trade-refer h4{color:var(--navy);font-size:1.02rem;margin-bottom:.35rem}
.trade-refer p{font-size:.88rem;color:var(--muted);margin-bottom:.8rem}
.trade-refer .btn-row{display:flex;gap:.6rem;flex-wrap:wrap;align-items:center}
.trade-refer .wc-cta{display:inline-block;background:var(--flag);color:#fff;font-weight:800;text-decoration:none;padding:.7rem 1.3rem;border-radius:10px;font-size:.95rem}
.trade-refer .wc-cta:hover{background:var(--flag-dark)}
.trade-refer .wc-alt{font-size:.82rem;color:var(--muted)}
.wiz-err{display:none;color:#b42318;font-size:.88rem;font-weight:600;margin-top:.8rem}
.wiz-err.show{display:block}
.line-section{border:1px solid var(--line);border-radius:12px;padding:1.25rem;margin-bottom:1.25rem;background:#fbfdff}
.line-section > h4{color:var(--navy);font-size:1.05rem;margin-bottom:1rem;padding-bottom:.6rem;border-bottom:2px solid var(--line)}
.line-section .field:last-child{margin-bottom:.25rem}
.rep-item{border:1px dashed #c8d4e0;border-radius:10px;padding:1rem;margin-bottom:.75rem;background:#fff;position:relative}
.rep-item .rep-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:.75rem}
.rep-item .rep-head b{color:var(--navy);font-size:.9rem}
.rep-remove{background:none;border:0;color:var(--flag-dark);font-weight:700;font-size:.82rem;cursor:pointer;padding:.25rem .5rem}
.rep-add{background:#fff;border:2px dashed #c8d4e0;border-radius:10px;color:var(--navy);font-weight:700;font-size:.88rem;padding:.65rem;width:100%;cursor:pointer;margin-bottom:.25rem}
.rep-add:hover{border-color:var(--flag);color:var(--flag-dark)}
.unknown-toggle-lbl{display:flex;align-items:center;gap:.45rem;font-weight:600!important;color:var(--muted)!important;font-size:.84rem;cursor:pointer;margin-top:.4rem}
.unknown-toggle-lbl input{accent-color:var(--flag);width:auto;margin:0}
.check-group{display:flex;flex-wrap:wrap;gap:.5rem}
.check-group label{display:flex;align-items:center;gap:.4rem;border:2px solid var(--line);border-radius:999px;padding:.45rem .9rem;font-size:.88rem;font-weight:600;color:var(--navy);cursor:pointer;margin:0}
.check-group input{accent-color:var(--flag)}
.check-group label:has(input:checked){border-color:var(--flag);background:#fbe9ec}
.wiz-nav{display:flex;justify-content:space-between;gap:1rem;margin-top:1.5rem}
.btn-ghost{background:#fff;color:var(--navy);border:2px solid var(--line)}
.btn-ghost:hover{border-color:var(--navy)}
.review-line{border:1px solid var(--line);border-radius:10px;padding:.9rem 1.1rem;margin-bottom:.7rem;background:#fbfdff}
.review-line b{color:var(--navy)}
.review-line span{color:var(--muted);font-size:.88rem}
.review-contact{font-size:.95rem;color:var(--ink);margin-bottom:1rem}

/* FAQ accordion — editorial hairlines */
.faq-list{max-width:820px;border-top:2px solid var(--navy)}
.faq-list details{border-bottom:1px solid var(--line);background:transparent;border-radius:0;margin-bottom:0;box-shadow:none}
.faq-list summary{cursor:pointer;font-weight:700;font-size:1.05rem;color:var(--navy);padding:1.25rem .25rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";font-size:1.5rem;color:var(--flag-dark);flex:0 0 auto;font-weight:400}
.faq-list details[open] summary::after{content:"–"}
.faq-list .faq-a{padding:0 2.5rem 1.4rem .25rem;color:var(--muted);font-size:.97rem;line-height:1.65}
.faq-list .faq-a strong{color:var(--ink)}
@media (max-width:560px){
  .line-pick{grid-template-columns:1fr}
  .wiz-steps li{font-size:.68rem}
  .wiz-steps li span{margin-right:.15rem}
}

@media(max-width:900px){
  .quote-grid{grid-template-columns:1fr;gap:2rem}
}

/* Story block — photographic */
.story{display:grid;grid-template-columns:1.3fr .7fr;gap:3rem;align-items:center}
.story-copy p{color:var(--muted);font-size:1.05rem;margin-bottom:1.1rem;max-width:58ch}
.story-copy p strong{color:var(--ink)}
.story-visual{display:flex;flex-direction:column;gap:1.25rem}
.story-photo{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin:0;position:relative}
.story-photo img{display:block;width:100%;height:220px;object-fit:cover;transition:transform .6s ease}
.story-photo:hover img{transform:scale(1.03)}
.story-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.75rem;box-shadow:var(--shadow);display:flex;gap:1rem;align-items:center;text-align:left}
.story-card img{width:64px;height:64px;border-radius:14px;flex:0 0 64px}
.story-card-title{font-weight:800;color:var(--navy);margin-bottom:.35rem}
.story-card p{font-size:.9rem;color:var(--muted);margin:0}
@media (max-width:900px){.story{grid-template-columns:1fr;gap:2rem}}
@media (max-width:760px){
  .menu-toggle{display:block;min-width:44px;min-height:44px;justify-content:center;align-items:center}
  .main-nav{
    display:none;position:absolute;top:68px;left:0;right:0;background:#fff;
    flex-direction:column;align-items:stretch;padding:1rem 1.25rem 1.5rem;
    border-bottom:1px solid var(--line);box-shadow:0 16px 30px rgba(15,42,74,.12);gap:.25rem;
  }
  .main-nav.open{display:flex}
  .main-nav a.nav-link{padding:.7rem 0;border-bottom:1px solid var(--line)}
  .main-nav .btn-nav{margin-top:.8rem;text-align:center}
  section.block{padding:3.25rem 0}
  .hero{padding:3.5rem 0 0}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important}
}

/* ============ IA build (2026-10-05) — chooser + line pages ============ */

/* Plain hero variant (no photograph) for the three line pages */
.hero-plain{background:linear-gradient(150deg,var(--navy-dark) 0%,var(--navy) 60%,var(--navy-light) 100%);padding:5.5rem 0 4.5rem}
.hero-plain .hero-proofbar{display:none}
.hero-tags{display:flex;flex-wrap:wrap;gap:.5rem;margin:1.6rem 0 2rem;list-style:none;padding:0}
.hero-tags li{font-size:.85rem;font-weight:600;color:#d9e4ee;border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:.4rem .95rem}

/* Chooser rows — full-width editorial routing rows, one per insurance line */
.chooser{padding:3.5rem 0 1rem}
.chooser-row{
  display:grid;grid-template-columns:4.5rem 1fr auto;gap:1.75rem;align-items:center;
  padding:2.2rem 1rem;border-top:2px solid var(--navy);text-decoration:none;color:inherit;
  transition:background .12s ease;
}
.chooser-row:last-of-type{border-bottom:2px solid var(--navy)}
.chooser-row:hover{background:var(--bg-soft)}
.chooser-num{font-weight:800;font-size:2rem;color:var(--flag);opacity:.9;letter-spacing:-.02em}
.chooser-row h2{color:var(--navy);font-size:clamp(1.7rem,3.4vw,2.4rem);letter-spacing:-.025em;margin-bottom:.4rem}
.chooser-row p{color:var(--muted);font-size:1.02rem;max-width:56ch;margin-bottom:.9rem}
.chooser-chips{display:flex;flex-wrap:wrap;gap:.45rem;list-style:none;padding:0}
.chooser-chips li{font-size:.8rem;font-weight:700;color:var(--navy-light);background:#eaf1f7;border-radius:999px;padding:.32rem .8rem}
.chooser-go{font-weight:800;color:var(--flag-dark);font-size:2rem;line-height:1;transition:transform .12s ease}
.chooser-row:hover .chooser-go{transform:translateX(7px)}
@media(max-width:640px){
  .chooser-row{grid-template-columns:1fr;gap:.75rem;padding:1.75rem .25rem}
  .chooser-num{font-size:1.2rem}
  .chooser-go{display:none}
}

/* Per-line quote entry band (reuses .quote-section navy treatment) */
.quote-entry .quote-grid{grid-template-columns:1fr;max-width:52rem;text-align:left}
.quote-entry .hero-ctas{margin-top:1.75rem}
.quote-entry ul{max-width:44rem}
.quote-note{margin-top:1.25rem;font-size:.9rem;color:#9fb2c6}

/* Learn cross-link strip */
.guides{background:#fff}
.guide-strip{border-top:2px solid var(--navy)}
.guide-link{
  display:grid;grid-template-columns:1fr auto;gap:1.25rem;align-items:center;
  padding:1.2rem .5rem;border-bottom:1px solid var(--line);text-decoration:none;color:inherit;
}
.guide-link:hover{background:var(--bg-soft)}
.guide-link h3{color:var(--navy);font-size:1.08rem;letter-spacing:-.01em;margin-bottom:.2rem}
.guide-link p{color:var(--muted);font-size:.9rem;margin:0}
.guide-link .biz-go{font-size:1.25rem}

/* Honest explainer panels */
.explain{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:2rem;margin-top:2rem}
.explain h3{color:var(--navy);font-size:1.25rem;margin-bottom:.6rem;letter-spacing:-.015em}
.explain p{color:var(--ink);font-size:.98rem;margin-bottom:.8rem}
.explain p:last-child{margin-bottom:0}
.explain .fine{font-size:.88rem;color:var(--muted)}

/* Inline quote CTA row inside content */
.inline-quote{
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.25rem;
  background:#fff;border:1px solid var(--line);border-left:4px solid var(--flag);
  border-radius:var(--radius);padding:1.5rem 1.75rem;margin:2rem 0;box-shadow:var(--shadow);
}
.inline-quote p{margin:0;font-weight:600;color:var(--navy);font-size:1.05rem}
.inline-quote small{display:block;font-weight:400;color:var(--muted);font-size:.88rem;margin-top:.25rem}