/* ==========================================================
   Marrium Insurance Agency — site styles
   Brand tokens from Brand Guidelines v1.0 (Nov 2026)
   Flat color only. One amber element per view.
   ========================================================== */
:root{
  --teal:#0E3B4A;      /* Marrium Teal */
  --river:#1F7A8C;     /* River Teal */
  --amber:#E5A73A;     /* Sunlit Amber */
  --ink:#152128;       /* Ink */
  --slate:#4F6470;     /* Slate */
  --mist:#EDF2F1;      /* Mist */
  --agave:#CFE3DF;     /* Agave */
  --white:#FFFFFF;

  --serif:"Fraunces", Georgia, serif;
  --sans:"Figtree", "Helvetica Neue", Arial, sans-serif;

  --r-btn:8px;
  --r-card:12px;
  --wrap:1200px;
  --gutter:clamp(16px,4vw,40px);
  --ease:cubic-bezier(.2,.7,.2,1);

  --brace:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='64' height='40' viewBox='0 0 64 40'%3E%3Cpath d='M4 4 L32 30 L60 4' fill='none' stroke='%23ffffff' stroke-width='6' stroke-linejoin='miter'/%3E%3C/svg%3E");
  --brace-dark:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='64' height='40' viewBox='0 0 64 40'%3E%3Cpath d='M4 4 L32 30 L60 4' fill='none' stroke='%230E3B4A' stroke-width='6' stroke-linejoin='miter'/%3E%3C/svg%3E");
}

*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.55;overflow-x:hidden}
img,video,svg{display:block;max-width:100%}
a{color:var(--river);text-decoration:none}
a:hover{text-decoration:underline;text-underline-offset:3px}
button{font:inherit;cursor:pointer}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:4px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--teal);color:#fff;padding:10px 16px;border-radius:8px;z-index:200}
.skip:focus{left:8px}

/* ---------- Type scale ---------- */
h1,h2,h3,h4,.h1,.h2,.h3,.display{font-family:var(--serif);font-weight:600;letter-spacing:-0.01em;color:var(--teal);margin:0 0 .4em;font-variation-settings:"SOFT" 40,"WONK" 0}
.display-xl{font-size:clamp(42px,6.4vw,76px);line-height:1.02;font-variation-settings:"SOFT" 40,"WONK" 0,"opsz" 144}
h1,.h1{font-size:clamp(36px,4.6vw,52px);line-height:1.08}
h2,.h2{font-size:clamp(28px,3.4vw,40px);line-height:1.12}
h3,.h3{font-size:24px;line-height:1.25}
p{margin:0 0 1em}
.lead{font-size:clamp(18px,1.6vw,20px);line-height:1.5;color:var(--slate)}
.small{font-size:14px;color:var(--slate)}
.eyebrow{display:inline-block;font-size:12px;line-height:1.3;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--river);margin-bottom:14px}
.on-dark .eyebrow,.bg-teal .eyebrow,.page-hero .eyebrow{color:var(--agave)}
.rule{display:block;width:56px;height:7px;background:var(--amber);margin:0 0 22px;border:0}
.num{font-family:var(--serif);font-weight:600;font-variant-numeric:tabular-nums}

/* ---------- Layout ---------- */
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
section{position:relative}
.sec{padding:clamp(64px,9vw,120px) 0}
.sec-tight{padding:clamp(48px,6vw,80px) 0}
.bg-mist{background:var(--mist)}
.bg-teal{background:var(--teal);color:#fff}
.bg-teal h1,.bg-teal h2,.bg-teal h3{color:#fff}
.bg-teal .lead,.bg-teal p{color:#d9e8e5}
.brace-bg::before{content:"";position:absolute;inset:0;background-image:var(--brace);background-size:64px 40px;opacity:.08;pointer-events:none}
.brace-bg>*{position:relative}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(32px,6vw,80px);align-items:center}
.sec-head{max-width:720px;margin-bottom:48px}
.center{text-align:center;margin-left:auto;margin-right:auto}
.center .rule{margin-left:auto;margin-right:auto}
@media (max-width:960px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}.split{grid-template-columns:1fr}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:0 22px;border-radius:var(--r-btn);font-family:var(--sans);font-weight:600;font-size:16px;border:2px solid transparent;transition:transform .25s var(--ease),background .2s,color .2s,border-color .2s;text-decoration:none!important;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:#0a2e3a}
.btn-ghost{background:transparent;color:var(--teal);border-color:var(--teal)}
.btn-ghost:hover{background:var(--teal);color:#fff}
.btn-amber{background:var(--amber);color:var(--teal)}
.btn-amber:hover{background:#efb550}
.btn-light{background:#fff;color:var(--teal)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-outline-light:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn svg{width:18px;height:18px}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* ---------- Icons ---------- */
.ico{width:28px;height:28px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.ico-lg{width:44px;height:44px;stroke-width:2.2}

/* ---------- Header ---------- */
.topbar{background:var(--teal);color:#d9e8e5;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:40px;gap:16px}
.topbar a{color:#fff}
.topbar .tb-left{display:flex;gap:22px;align-items:center}
.topbar .dot{width:8px;height:8px;border-radius:50%;background:#7fd1a8;display:inline-block;margin-right:8px;box-shadow:0 0 0 0 rgba(127,209,168,.6);animation:pulse 2.2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(127,209,168,.55)}70%{box-shadow:0 0 0 9px rgba(127,209,168,0)}100%{box-shadow:0 0 0 0 rgba(127,209,168,0)}}
@media (max-width:760px){.topbar .tb-hide{display:none}}
@media (max-width:520px){.topbar{font-size:13px}.topbar [data-open-status]{display:inline-block;max-width:200px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;vertical-align:bottom}}

.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s}
.site-header.scrolled{border-color:var(--agave);box-shadow:0 6px 24px rgba(14,59,74,.07)}
.nav{display:flex;align-items:center;justify-content:space-between;height:84px;transition:height .3s var(--ease)}
.scrolled .nav{height:68px}
.brand img{height:46px;width:auto;transition:height .3s var(--ease)}
.scrolled .brand img{height:38px}
.menu{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu a.nl{display:block;padding:10px 14px;color:var(--ink);font-weight:500;border-radius:8px}
.menu a.nl:hover,.menu a.nl[aria-current="page"]{color:var(--teal);text-decoration:none;background:var(--mist)}
.menu .has-dd>a.nl::after{content:"";display:inline-block;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-3px);margin-left:8px}
.dd{position:absolute;top:calc(100% + 8px);left:-12px;min-width:540px;background:#fff;border:1px solid var(--agave);border-radius:14px;padding:16px;display:grid;grid-template-columns:1fr 1fr;gap:4px;opacity:0;visibility:hidden;transform:translateY(8px);transition:all .25s var(--ease);box-shadow:0 24px 48px rgba(14,59,74,.12)}
.has-dd:hover .dd,.has-dd:focus-within .dd{opacity:1;visibility:visible;transform:none}
.dd a{display:flex;gap:12px;padding:12px;border-radius:10px;color:var(--ink)}
.dd a:hover{background:var(--mist);text-decoration:none}
.dd a .ico{color:var(--river);flex:none;margin-top:2px}
.dd strong{display:block;color:var(--teal);font-weight:600}
.dd span{font-size:14px;color:var(--slate)}
.nav-cta{display:flex;gap:10px;align-items:center}
.burger{display:none;width:48px;height:48px;border:0;background:var(--mist);border-radius:10px;position:relative}
.burger span{position:absolute;left:13px;right:13px;height:2px;background:var(--teal);transition:.3s var(--ease)}
.burger span:nth-child(1){top:17px}.burger span:nth-child(2){top:23px}.burger span:nth-child(3){top:29px}
.nav-open .burger span:nth-child(1){top:23px;transform:rotate(45deg)}
.nav-open .burger span:nth-child(2){opacity:0}
.nav-open .burger span:nth-child(3){top:23px;transform:rotate(-45deg)}
.mobile-nav{display:none}
@media (max-width:1060px){
  .menu,.nav-cta .btn-ghost{display:none}
  .burger{display:block}
  .mobile-nav{display:block;position:fixed;inset:0;top:0;background:var(--teal);z-index:99;padding:120px var(--gutter) 40px;transform:translateY(-100%);transition:transform .45s var(--ease);overflow:auto}
  .mobile-nav::before{content:"";position:absolute;inset:0;background-image:var(--brace);background-size:64px 40px;opacity:.06}
  .nav-open .mobile-nav{transform:none}
  .mobile-nav a{position:relative;display:block;font-family:var(--serif);font-size:30px;color:#fff;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12)}
  .mobile-nav .btn{margin-top:24px;font-family:var(--sans);font-size:16px;border:0;width:100%}
  .nav-open .site-header{background:#fff}
}
@media (max-width:520px){.nav-cta .btn-primary{display:none}.brand img{height:38px}}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--mist)}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;min-height:min(86vh,820px)}
.hero-copy{display:flex;flex-direction:column;justify-content:center;padding:clamp(48px,7vw,96px) clamp(16px,4vw,56px) clamp(48px,7vw,96px) 0}
.hero-copy .lead{max-width:540px;margin:6px 0 30px}
.hero-media{position:relative;margin-right:calc(-1 * var(--gutter));overflow:hidden;border-radius:0 0 0 28px}
.hero-media>video,.hero-media>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero-trust{display:flex;flex-wrap:wrap;gap:18px 28px;margin-top:38px;padding-top:26px;border-top:1px solid var(--agave);font-size:14px;color:var(--slate)}
.hero-trust b{display:block;font-family:var(--serif);font-size:26px;color:var(--teal);line-height:1.1}
.float-card{position:absolute;background:#fff;border-radius:14px;padding:14px 16px;display:flex;gap:12px;align-items:center;box-shadow:0 18px 40px rgba(14,59,74,.18);font-size:14px;z-index:2;animation:floaty 6s ease-in-out infinite}
.float-card .ico{color:var(--river)}
.float-card b{display:block;color:var(--teal);font-size:15px}
.float-card.fc1{top:12%;left:7%}
.float-card.fc2{bottom:16%;right:7%;animation-delay:-3s}
.float-card .avatar{width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:50% 30%}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
.video-toggle{position:absolute;right:16px;top:16px;z-index:3;width:42px;height:42px;border-radius:50%;border:0;background:rgba(255,255,255,.9);color:var(--teal);display:grid;place-items:center}
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr}
  .hero-media{min-height:380px;margin:0 calc(-1 * var(--gutter));border-radius:0}
  .hero-copy{padding-right:0}
}

/* typed word rotator */
.rotator{display:inline-grid;vertical-align:bottom}
.rotator span{grid-area:1/1;opacity:0;transform:translateY(40%);transition:opacity .5s var(--ease),transform .5s var(--ease);color:var(--river);white-space:nowrap}
.rotator span.on{opacity:1;transform:none}
.rotator span.out{opacity:0;transform:translateY(-40%)}

/* ---------- Marquee ---------- */
.marquee{background:var(--teal);color:#fff;overflow:hidden;padding:18px 0;position:relative}
.marquee-track{display:flex;gap:48px;width:max-content;animation:marq 38s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee span{display:flex;align-items:center;gap:14px;font-family:var(--serif);font-size:22px;white-space:nowrap}
.marquee span::after{content:"";width:22px;height:12px;background-image:var(--brace);background-size:contain;background-repeat:no-repeat;opacity:.5;margin-left:34px}
@keyframes marq{to{transform:translateX(-50%)}}

/* ---------- Cards ---------- */
.card{background:var(--mist);border-radius:var(--r-card);padding:28px;transition:transform .35s var(--ease),background .25s;position:relative}
.card:hover{transform:translateY(-6px)}
.card .ico-lg{color:var(--teal);margin-bottom:18px}
.card h3{margin-bottom:8px}
.card p{color:var(--slate);margin:0}
.card-link{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-weight:600}
.card-link::after{content:"→";transition:transform .25s}
.card:hover .card-link::after{transform:translateX(4px)}
.card.white{background:#fff}

.photo-card{position:relative;border-radius:var(--r-card);overflow:hidden;background:var(--agave);display:flex;flex-direction:column;color:var(--ink);text-decoration:none!important;transition:transform .35s var(--ease)}
.photo-card:hover{transform:translateY(-6px)}
.photo-card .pc-img{aspect-ratio:4/3;overflow:hidden}
.photo-card img{width:100%;height:100%;object-fit:cover;transition:transform .8s var(--ease)}
.photo-card:hover img{transform:scale(1.06)}
.photo-card .pc-body{background:#fff;padding:22px 22px 24px;flex:1;border:1px solid var(--mist);border-top:0;border-radius:0 0 var(--r-card) var(--r-card)}
.photo-card h3{margin-bottom:6px}
.photo-card p{color:var(--slate);font-size:15px;margin:0}
.tag{display:inline-block;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:var(--agave);color:var(--teal);padding:5px 10px;border-radius:6px;margin-bottom:12px}

/* ---------- Tabs (industries) ---------- */
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:32px}
.tab{border:2px solid var(--agave);background:#fff;color:var(--teal);padding:10px 18px;border-radius:999px;font-weight:600;transition:.2s}
.tab:hover{border-color:var(--river)}
.tab[aria-selected="true"]{background:var(--teal);border-color:var(--teal);color:#fff}
.panel{display:none}
.panel.active{display:grid;animation:fadeUp .5s var(--ease)}
.panel-grid{grid-template-columns:1fr 1fr;gap:clamp(24px,5vw,64px);align-items:center}
.panel-img{border-radius:var(--r-card);overflow:hidden;aspect-ratio:4/3;position:relative}
.panel-img img{width:100%;height:100%;object-fit:cover}
.checklist{list-style:none;padding:0;margin:20px 0 28px;display:grid;gap:12px}
.checklist li{display:flex;gap:12px;align-items:flex-start}
.checklist li::before{content:"";flex:none;width:22px;height:22px;margin-top:2px;border-radius:6px;background:var(--agave) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='%230E3B4A' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat}
.risk-note{background:var(--mist);border-left:4px solid var(--river);padding:14px 18px;border-radius:0 10px 10px 0;font-size:15px;color:var(--ink)}
@keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
@media (max-width:860px){.panel-grid{grid-template-columns:1fr}}

/* ---------- Process ---------- */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative}
.steps::before{content:"";position:absolute;top:27px;left:28px;right:28px;height:2px;background:rgba(255,255,255,.2)}
.step{position:relative}
.step .sn{width:56px;height:56px;border-radius:50%;background:var(--teal);border:2px solid rgba(255,255,255,.5);display:grid;place-items:center;font-family:var(--serif);font-size:22px;color:#fff;margin-bottom:20px;position:relative;transition:background .4s,border-color .4s,color .4s}
.step.lit .sn{background:#fff;color:var(--teal);border-color:#fff}
.step h3{color:#fff;font-size:22px}
.step p{font-size:15px}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}.steps::before{display:none}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

/* ---------- Founder ---------- */
.founder{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(32px,6vw,88px);align-items:center}
.founder-photo{position:relative}
.founder-photo .frame{border-radius:var(--r-card);overflow:hidden;aspect-ratio:4/5;background:var(--agave)}
.founder-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 25%}
.founder-photo .badge{position:absolute;right:-18px;bottom:28px;background:var(--teal);color:#fff;border-radius:12px;padding:16px 18px;max-width:220px;font-size:14px;box-shadow:0 18px 40px rgba(14,59,74,.25);animation:floaty 7s ease-in-out infinite}
.founder-photo .badge b{display:block;font-family:var(--serif);font-size:20px;color:#fff;margin-bottom:2px}
.founder-photo::before{content:"";position:absolute;left:-14px;top:-14px;width:110px;height:110px;background-image:var(--brace-dark);background-size:32px 20px;opacity:.18}
blockquote.pull{font-family:var(--serif);font-weight:500;font-size:clamp(22px,2.4vw,30px);line-height:1.3;color:var(--teal);margin:0 0 24px;font-variation-settings:"SOFT" 40,"opsz" 48}
.sig{display:flex;align-items:center;gap:14px;margin-top:8px}
.sig b{font-family:var(--serif);font-size:20px;color:var(--teal);display:block}
@media (max-width:860px){.founder{grid-template-columns:1fr}.founder-photo{max-width:440px}.founder-photo .badge{right:12px}}

/* ---------- Stats ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.stat{padding:24px 0;border-top:1px solid rgba(255,255,255,.2)}
.stat .num{font-size:clamp(40px,5vw,60px);line-height:1;color:#fff;display:block;margin-bottom:10px}
.stat.amber .num{color:var(--amber)}
.stat p{margin:0;font-size:15px}
.bg-mist .stat{border-color:var(--agave)}
@media (max-width:860px){.stats{grid-template-columns:1fr 1fr}}

/* ---------- Gap checker ---------- */
.checker{background:#fff;border-radius:16px;padding:clamp(24px,4vw,40px);box-shadow:0 30px 60px rgba(14,59,74,.12);position:relative}
.checker .progress{height:6px;background:var(--mist);border-radius:6px;overflow:hidden;margin-bottom:26px}
.checker .progress i{display:block;height:100%;width:0;background:var(--river);transition:width .5s var(--ease)}
.q{display:none}
.q.active{display:block;animation:fadeUp .45s var(--ease)}
.q h3{font-size:22px;margin-bottom:18px}
.opts{display:grid;gap:10px}
.opt{display:flex;align-items:center;gap:12px;text-align:left;width:100%;border:2px solid var(--mist);background:var(--mist);border-radius:10px;padding:14px 16px;font-weight:500;color:var(--ink);transition:.2s}
.opt:hover{border-color:var(--river);background:#fff}
.opt.sel{border-color:var(--teal);background:#fff}
.opt .k{width:28px;height:28px;flex:none;border-radius:7px;background:#fff;border:1px solid var(--agave);display:grid;place-items:center;font-size:13px;font-weight:600;color:var(--teal)}
.result-list{list-style:none;padding:0;margin:16px 0 24px;display:grid;gap:12px}
.result-list li{background:var(--mist);border-radius:10px;padding:14px 16px}
.result-list b{display:block;color:var(--teal);margin-bottom:2px}
.result-list span{font-size:15px;color:var(--slate)}
.q-nav{display:flex;justify-content:space-between;align-items:center;margin-top:22px}
.q-back{background:none;border:0;color:var(--river);font-weight:600;padding:8px 0}

/* ---------- Testimonials ---------- */
.tcar{position:relative;overflow:hidden}
.ttrack{display:flex;transition:transform .7s var(--ease)}
.tslide{min-width:100%;padding:0 2px}
.tquote{font-family:var(--serif);font-weight:500;font-size:clamp(22px,2.6vw,32px);line-height:1.3;color:#fff;max-width:880px;margin:0 0 26px}
.tmeta{color:var(--agave);font-size:15px}
.tmeta b{color:#fff;display:block;font-size:17px}
.tdots{display:flex;gap:10px;margin-top:34px}
.tdots button{width:34px;height:4px;border:0;background:rgba(255,255,255,.3);border-radius:4px;padding:0;transition:.3s}
.tdots button[aria-current="true"]{background:#fff;width:56px}

/* ---------- Accordion ---------- */
.acc{border-top:1px solid var(--agave)}
.acc-item{border-bottom:1px solid var(--agave)}
.acc-btn{width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 0;background:none;border:0;text-align:left;font-family:var(--serif);font-size:20px;font-weight:600;color:var(--teal)}
.acc-btn .pm{flex:none;width:32px;height:32px;border-radius:50%;background:var(--mist);position:relative;transition:.3s}
.acc-btn .pm::before,.acc-btn .pm::after{content:"";position:absolute;left:9px;right:9px;top:15px;height:2px;background:var(--teal);transition:.3s}
.acc-btn .pm::after{transform:rotate(90deg)}
.acc-btn[aria-expanded="true"] .pm{background:var(--teal)}
.acc-btn[aria-expanded="true"] .pm::before,.acc-btn[aria-expanded="true"] .pm::after{background:#fff}
.acc-btn[aria-expanded="true"] .pm::after{transform:rotate(0)}
.acc-panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .4s var(--ease)}
.acc-panel>div{overflow:hidden}
.acc-panel p{color:var(--slate);max-width:760px;padding-bottom:22px;margin:0}
.acc-item.open .acc-panel{grid-template-rows:1fr}

/* ---------- CTA band ---------- */
.cta-band{display:grid;grid-template-columns:1.3fr 1fr;gap:32px;align-items:center}
.cta-actions{display:grid;gap:12px}
.cta-actions .btn{justify-content:space-between;min-height:62px;font-size:17px}
@media (max-width:860px){.cta-band{grid-template-columns:1fr}}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{background:var(--teal);color:#fff;padding:clamp(64px,8vw,110px) 0 clamp(56px,7vw,90px);overflow:hidden}
.page-hero h1{color:#fff;max-width:860px}
.page-hero .lead{color:#d9e8e5;max-width:640px}
.crumbs{font-size:14px;color:var(--agave);margin-bottom:18px}
.crumbs a{color:#fff}
.page-hero.has-img .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.page-hero .ph-img{border-radius:var(--r-card);overflow:hidden;aspect-ratio:4/3;position:relative}
.page-hero .ph-img img{width:100%;height:100%;object-fit:cover}
@media (max-width:860px){.page-hero.has-img .wrap{grid-template-columns:1fr}}

/* ---------- Forms ---------- */
.form-shell{display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(24px,5vw,64px);align-items:start}
@media (max-width:960px){.form-shell{grid-template-columns:1fr}}
.form-card{background:#fff;border:1px solid var(--agave);border-radius:16px;padding:clamp(22px,4vw,44px)}
.stepper{display:flex;gap:8px;margin-bottom:30px}
.stepper span{flex:1;height:6px;border-radius:6px;background:var(--mist);transition:background .4s}
.stepper span.done{background:var(--river)}
.stepper span.cur{background:var(--teal)}
.fstep{display:none}
.fstep.active{display:block;animation:fadeUp .45s var(--ease)}
.field{margin-bottom:20px}
.field label,.field .lbl{display:block;font-weight:600;font-size:15px;color:var(--ink);margin-bottom:8px}
.field .hint{font-size:14px;color:var(--slate);margin-top:6px}
.input,select.input,textarea.input{width:100%;min-height:54px;border:2px solid var(--agave);border-radius:10px;padding:12px 16px;font:inherit;font-size:17px;color:var(--ink);background:#fff;transition:border-color .2s}
textarea.input{min-height:120px;resize:vertical}
.input:focus{border-color:var(--river);outline:none}
.field.err .input{border-color:#b3412e}
.field .emsg{display:none;color:#b3412e;font-size:14px;margin-top:6px}
.field.err .emsg{display:block}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{position:relative}
.chip input{position:absolute;opacity:0;inset:0;cursor:pointer}
.chip span{display:flex;align-items:center;gap:8px;padding:12px 16px;border:2px solid var(--agave);border-radius:10px;font-weight:500;transition:.2s;background:#fff}
.chip input:checked+span{border-color:var(--teal);background:var(--mist);color:var(--teal)}
.chip input:focus-visible+span{outline:3px solid var(--amber);outline-offset:2px}
.f-nav{display:flex;justify-content:space-between;gap:12px;margin-top:28px}
.side-card{background:var(--mist);border-radius:16px;padding:28px;position:sticky;top:100px}
.side-card h3{font-size:22px}
.success{text-align:center;padding:24px 0}
.success .ok{width:76px;height:76px;border-radius:50%;background:var(--agave);display:grid;place-items:center;margin:0 auto 20px;color:var(--teal)}
.success .ok svg{width:38px;height:38px;stroke-dasharray:40;stroke-dashoffset:40;animation:draw .8s .2s var(--ease) forwards}
@keyframes draw{to{stroke-dashoffset:0}}

/* ---------- Glossary ---------- */
.search{position:relative;max-width:520px;margin-bottom:28px}
.search .input{padding-left:50px}
.search .ico{position:absolute;left:16px;top:50%;transform:translateY(-50%);color:var(--slate)}
.gloss{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.gloss .card{padding:22px}
.gloss h3{font-size:20px}
.gloss .card.hide{display:none}
@media (max-width:720px){.gloss{grid-template-columns:1fr}}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:#b7c6cb;padding:72px 0 28px;font-size:15px}
.site-footer a{color:#e6eeee}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}
.f-grid h4{font-family:var(--sans);font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--agave);margin-bottom:16px}
.f-grid ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.f-logo{height:44px;width:auto;margin-bottom:18px}
.f-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding-top:24px;font-size:13px;color:#8fa3aa}
.f-disclaimer{font-size:13px;color:#8fa3aa;margin-top:18px;max-width:880px}
@media (max-width:860px){.f-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.f-grid{grid-template-columns:1fr}}

/* ---------- Floating action dock ---------- */
.dock{position:fixed;right:20px;bottom:20px;z-index:90;display:flex;flex-direction:column;align-items:flex-end;gap:10px}
.dock-btn{width:58px;height:58px;border-radius:50%;border:0;display:grid;place-items:center;background:var(--teal);color:#fff;box-shadow:0 14px 30px rgba(14,59,74,.35);transition:transform .3s var(--ease)}
.dock-btn:hover{transform:scale(1.07)}
.dock-btn .ico{width:26px;height:26px}
.dock-menu{display:flex;flex-direction:column;gap:8px;align-items:flex-end;opacity:0;visibility:hidden;transform:translateY(10px);transition:.3s var(--ease)}
.dock.open .dock-menu{opacity:1;visibility:visible;transform:none}
.dock-menu a{display:flex;align-items:center;gap:10px;background:#fff;color:var(--teal);padding:12px 16px;border-radius:999px;font-weight:600;box-shadow:0 10px 24px rgba(14,59,74,.18);text-decoration:none}
.dock-menu a .ico{width:20px;height:20px;color:var(--river)}
.dock .dock-btn .i-close{display:none}
.dock.open .dock-btn .i-open{display:none}
.dock.open .dock-btn .i-close{display:block}
.to-top{position:fixed;left:20px;bottom:20px;z-index:90;width:46px;height:46px;border-radius:50%;border:1px solid var(--agave);background:#fff;color:var(--teal);display:grid;place-items:center;opacity:0;visibility:hidden;transform:translateY(10px);transition:.3s}
.to-top.show{opacity:1;visibility:visible;transform:none}
.mobile-bar{display:none}
@media (max-width:620px){
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:95;background:#fff;border-top:1px solid var(--agave);padding:10px 12px calc(10px + env(safe-area-inset-bottom))}
  .mobile-bar .btn{min-height:46px;width:100%}
  .dock{bottom:84px}
  .to-top{bottom:84px}
  body{padding-bottom:70px}
}

/* ---------- Reveal on scroll ---------- */
.rv{opacity:0;transform:translateY(28px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.rv.in{opacity:1;transform:none}
.rv-d1{transition-delay:.08s}.rv-d2{transition-delay:.16s}.rv-d3{transition-delay:.24s}.rv-d4{transition-delay:.32s}
.parallax{will-change:transform}

/* image placeholder until real photography */
.ph-note{position:absolute;left:10px;bottom:10px;background:rgba(255,255,255,.88);color:var(--slate);font-size:11px;padding:3px 8px;border-radius:5px;letter-spacing:.02em}

/* ---------- Coverage table ---------- */
.ctable{width:100%;border-collapse:collapse;font-size:15px;background:#fff;border-radius:12px;overflow:hidden}
.ctable th,.ctable td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--mist);vertical-align:top}
.ctable th{background:var(--teal);color:#fff;font-weight:600;font-size:14px}
.ctable td:first-child{font-weight:600;color:var(--teal);width:28%}
.table-wrap{overflow-x:auto;border-radius:12px;border:1px solid var(--agave)}

/* ---------- Map/area ---------- */
.area{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.area-map{background:var(--teal);border-radius:16px;padding:20px;position:relative;overflow:hidden;aspect-ratio:1/1}
.area-map svg{width:100%;height:100%}
.county-list{columns:2;column-gap:24px;padding:0;list-style:none;margin:20px 0}
.county-list li{padding:6px 0;border-bottom:1px solid var(--agave);break-inside:avoid}
@media (max-width:860px){.area{grid-template-columns:1fr}}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .rv{opacity:1;transform:none}
}