:root{--ink:#08090b;--ink2:#111216;--ink3:#1a1c21;--gold:#e8b04b;--gold2:#f7d68f;--gold3:#b7832a;--silver:#c9c7c1;--mute:#9a978f;--ivory:#f7f3ea;--paper:#fbf9f4;--line:rgba(255,255,255,.1);--r:20px;--sans:"Plus Jakarta Sans",system-ui,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{display:block;max-width:100%;height:auto}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer}
.wrap{max-width:1240px;margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12px;letter-spacing:.2em;text-transform:uppercase;font-weight:700;color:var(--gold3)}
.eyebrow:before{content:"";width:22px;height:2px;background:currentColor;border-radius:2px}
h1,h2,h3{font-family:var(--sans);font-weight:800;letter-spacing:-.035em;line-height:1.02}
h2{font-size:clamp(36px,5vw,64px)}
.it{font-style:normal}
.gold{background:linear-gradient(100deg,var(--gold2),var(--gold) 45%,var(--gold3));-webkit-background-clip:text;background-clip:text;color:transparent}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:16px 26px;border-radius:14px;font-weight:700;font-size:15px;border:0;transition:transform .2s,box-shadow .2s,background .2s}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:linear-gradient(180deg,var(--gold2),var(--gold));color:#1b1406;box-shadow:0 10px 30px -8px rgba(232,176,75,.6),inset 0 1px 0 rgba(255,255,255,.5)}
.btn-gold:hover{box-shadow:0 16px 40px -8px rgba(232,176,75,.75),inset 0 1px 0 rgba(255,255,255,.5)}
.btn-line{border:1px solid rgba(255,255,255,.22);color:#fff;background:rgba(255,255,255,.04)}
.btn-line:hover{background:rgba(255,255,255,.1)}
.btn-ink{background:var(--ink);color:#fff}
.btn svg{width:18px;height:18px}
/* nav */
.top{position:fixed;inset:0 0 auto 0;z-index:50;transition:background .3s,backdrop-filter .3s,box-shadow .3s}
.top.scrolled{background:rgba(8,9,11,.82);backdrop-filter:blur(14px);box-shadow:0 1px 0 var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:1240px;margin:0 auto}
.brand{display:flex;align-items:center;gap:12px;color:#fff}
.brand img{width:46px;height:46px;border-radius:50%;box-shadow:0 0 0 2px rgba(232,176,75,.55),0 0 24px rgba(232,176,75,.25)}
.brand b{font-family:Cinzel,serif;font-size:18px;letter-spacing:.1em;display:block;line-height:1.1}
.brand small{font-size:10px;letter-spacing:.3em;text-transform:uppercase;color:var(--gold)}
.links{display:flex;gap:30px;align-items:center;color:#d9d6ce;font-size:14px;font-weight:500}
.links a:hover{color:#fff}
.links .call{display:flex;align-items:center;gap:8px;padding:10px 16px;border-radius:12px;background:rgba(232,176,75,.12);border:1px solid rgba(232,176,75,.35);color:var(--gold2);font-weight:700;white-space:nowrap}
.links .call svg{width:16px;height:16px}
/* hero */
.hero{position:relative;background:var(--ink);color:#fff;overflow:hidden;padding:130px 0 90px;isolation:isolate}
.hero .bg{position:absolute;inset:0;z-index:-3}
.hero .bg img{width:100%;height:100%;object-fit:cover;object-position:70% 50%;opacity:.42;animation:zoom 24s ease-out forwards}
@keyframes zoom{from{transform:scale(1.15)}to{transform:scale(1)}}
.hero:before{content:"";position:absolute;inset:0;z-index:-2;background:radial-gradient(60% 70% at 78% 40%,rgba(232,176,75,.18),transparent 60%),linear-gradient(90deg,rgba(8,9,11,.97) 0%,rgba(8,9,11,.82) 45%,rgba(8,9,11,.55) 100%),linear-gradient(0deg,var(--ink) 0%,transparent 30%)}
.rays{position:absolute;z-index:-1;left:50%;top:50%;width:1600px;height:1600px;margin:-800px 0 0 -500px;opacity:.06;background:repeating-conic-gradient(from 0deg,#e8b04b 0 1.5deg,transparent 1.5deg 7deg);-webkit-mask:radial-gradient(circle,#000 0,transparent 60%);mask:radial-gradient(circle,#000 0,transparent 60%);animation:spin 200s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.hgrid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero .eyebrow{color:var(--gold)}
.hero h1{font-size:clamp(48px,6.6vw,96px);margin:20px 0 22px}
.rot{display:block;height:1.1em;overflow:hidden;color:var(--silver);font-size:clamp(22px,2.2vw,30px);font-weight:600;letter-spacing:-.02em;margin-bottom:22px}
.rot span{display:block;animation:rot 12.5s cubic-bezier(.7,0,.3,1) infinite}
@keyframes rot{0%,16%{transform:translateY(0)}20%,36%{transform:translateY(-1.1em)}40%,56%{transform:translateY(-2.2em)}60%,76%{transform:translateY(-3.3em)}80%,96%{transform:translateY(-4.4em)}100%{transform:translateY(-5.5em)}}
.rot i{display:block;font-style:normal;height:1.1em;line-height:1.1em}
.rot i b{color:var(--gold2);font-weight:700}
.lede{font-size:clamp(16px,1.3vw,19px);color:#cfccc4;max-width:540px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 34px}
.trust{display:flex;gap:26px;flex-wrap:wrap;color:#d9d6ce;font-size:14px;font-weight:600}
.trust span{display:flex;align-items:center;gap:8px}
.trust svg{width:18px;height:18px;color:var(--gold)}
/* builder */
.builder{position:relative;background:linear-gradient(180deg,rgba(26,28,33,.86),rgba(14,15,18,.92));border:1px solid rgba(255,255,255,.12);border-radius:26px;padding:28px;backdrop-filter:blur(18px);box-shadow:0 40px 100px -30px rgba(0,0,0,.9),0 0 0 1px rgba(232,176,75,.08),0 0 80px -20px rgba(232,176,75,.25);scroll-margin-top:100px}
.builder:before{content:"";position:absolute;inset:-1px;border-radius:26px;padding:1px;background:linear-gradient(140deg,rgba(247,214,143,.7),transparent 35%,transparent 65%,rgba(232,176,75,.45));-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none}
.bhead{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.bhead b{font-size:20px;letter-spacing:-.02em}
.bhead small{color:var(--mute);font-size:13px;font-weight:600}
.prog{height:4px;border-radius:4px;background:rgba(255,255,255,.08);margin:12px 0 20px;overflow:hidden}
.prog i{display:block;height:100%;width:33%;background:linear-gradient(90deg,var(--gold2),var(--gold));border-radius:4px;transition:width .45s cubic-bezier(.6,0,.2,1)}
.step{display:none;animation:fade .45s ease}
.step.on{display:block}
@keyframes fade{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.q{font-size:15px;color:#e8e5dd;font-weight:600;margin-bottom:14px}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.tile{position:relative;display:flex;flex-direction:column;align-items:flex-start;gap:12px;padding:16px 14px;border-radius:16px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);color:#fff;text-align:left;font-weight:700;font-size:14px;transition:border-color .2s,background .2s,transform .2s}
.tile:hover{transform:translateY(-2px);border-color:rgba(232,176,75,.5)}
.tile svg{width:26px;height:26px;color:var(--gold)}
.tile[aria-pressed=true]{background:linear-gradient(160deg,rgba(232,176,75,.22),rgba(232,176,75,.06));border-color:var(--gold)}
.tile[aria-pressed=true]:after{content:"";position:absolute;top:10px;right:10px;width:18px;height:18px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z' fill='%231b1406'/%3E%3C/svg%3E") center/13px no-repeat}
.tile small{font-weight:500;color:var(--mute);font-size:11.5px;margin-top:-8px}
.bnav{display:flex;gap:10px;margin-top:18px}
.bnav .btn{flex:1;padding:15px}
.bnav .back{flex:0 0 auto;background:rgba(255,255,255,.06);color:#fff;border:1px solid rgba(255,255,255,.12)}
.btn[disabled]{opacity:.45;pointer-events:none}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fgrid .full{grid-column:1/-1}
.builder label{display:block;font-size:12px;font-weight:700;color:var(--silver);margin-bottom:6px;letter-spacing:.02em}
.builder input,.builder select{width:100%;font:inherit;font-size:15px;padding:13px 14px;border-radius:12px;border:1px solid rgba(255,255,255,.14);background:rgba(0,0,0,.35);color:#fff}
.builder input::placeholder{color:#6f6d68}
.builder input:focus,.builder select:focus{outline:2px solid var(--gold);outline-offset:0;border-color:transparent}
.builder select option{color:#000}
.chosen{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:14px}
.chosen span{font-size:12px;font-weight:700;color:var(--gold2);background:rgba(232,176,75,.12);border:1px solid rgba(232,176,75,.3);padding:4px 10px;border-radius:999px}
.ferr{display:none;color:#ff8a80;font-size:13px;margin-top:10px}
.done{text-align:center;padding:10px 4px}
.done .ck{width:64px;height:64px;border-radius:50%;margin:6px auto 16px;display:grid;place-items:center;background:linear-gradient(180deg,var(--gold2),var(--gold));color:#1b1406;box-shadow:0 0 0 8px rgba(232,176,75,.15)}
.done h3{font-size:28px;margin-bottom:8px}
.done p{color:#cfccc4;font-size:15px}
.done a.re{display:inline-block;margin-top:16px;color:var(--gold2);font-weight:600;font-size:14px;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.bfoot{display:flex;align-items:center;gap:8px;margin-top:16px;color:var(--mute);font-size:12.5px}
.bfoot svg{width:14px;height:14px;color:var(--gold)}
section{padding:120px 0}
.head{max-width:760px;margin-bottom:60px}
.head h2{margin:16px 0 18px}
.head p{color:#57544e;font-size:18px}
/* independent */
.indy{background:var(--ink);color:#fff;position:relative;overflow:hidden;border-top:1px solid var(--line)}
.indy .head p{color:#b9b6ae}
.indy .eyebrow{color:var(--gold)}
.igrid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}
.points{display:grid;gap:18px}
.pt{display:flex;gap:18px;padding:22px;border-radius:18px;background:rgba(255,255,255,.03);border:1px solid var(--line)}
.pt .n{flex:none;width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:rgba(232,176,75,.12);color:var(--gold);font-weight:800}
.pt h3{font-size:20px;letter-spacing:-.02em;margin-bottom:4px}
.pt p{color:#b9b6ae;font-size:15px}
.viz{position:relative;padding:30px;border-radius:26px;background:radial-gradient(80% 80% at 30% 50%,rgba(232,176,75,.12),transparent 70%),var(--ink2);border:1px solid var(--line)}
.viz .lbl{position:absolute;top:16px;right:18px;font-size:11px;color:var(--mute);letter-spacing:.16em;text-transform:uppercase}
.vrow{display:grid;grid-template-columns:auto 1fr auto;gap:18px;align-items:center}
.hub{width:120px;height:120px;border-radius:50%;position:relative;display:grid;place-items:center}
.hub img{width:100%;height:100%;border-radius:50%;box-shadow:0 0 0 3px var(--gold),0 0 50px rgba(232,176,75,.45)}
.hub:after{content:"";position:absolute;inset:-14px;border-radius:50%;border:1px dashed rgba(232,176,75,.5);animation:spin 18s linear infinite}
.hub small{position:absolute;bottom:-34px;left:50%;transform:translateX(-50%);white-space:nowrap;font-size:13px;font-weight:700;color:#fff}
.wires{height:260px;position:relative}
.wires svg{width:100%;height:100%}
.wires path{fill:none;stroke:rgba(232,176,75,.35);stroke-width:1.5;stroke-dasharray:4 6;animation:dash 1.6s linear infinite}
@keyframes dash{to{stroke-dashoffset:-20}}
.carriers{display:grid;gap:10px;width:230px}
.car{display:flex;align-items:center;gap:10px;padding:10px 12px;border-radius:12px;background:rgba(255,255,255,.04);border:1px solid var(--line);font-size:13px;font-weight:600;color:#d9d6ce}
.car i{flex:1;height:6px;border-radius:6px;background:rgba(255,255,255,.08);overflow:hidden;position:relative}
.car i:after{content:"";position:absolute;inset:0 auto 0 0;width:var(--w);background:linear-gradient(90deg,#6b6863,#a9a6a0);border-radius:6px;transform-origin:left;transform:scaleX(0);transition:transform 1.2s cubic-bezier(.6,0,.2,1)}
.viz.in .car i:after{transform:scaleX(1)}
.car.best{border-color:var(--gold);background:rgba(232,176,75,.1);color:#fff}
.car.best i:after{background:linear-gradient(90deg,var(--gold2),var(--gold))}
.car.best em{font-style:normal;font-size:10px;font-weight:800;color:#1b1406;background:var(--gold);padding:2px 7px;border-radius:999px;letter-spacing:.06em;text-transform:uppercase}
.vcap{margin-top:40px;display:flex;justify-content:space-between;gap:10px;color:#b9b6ae;font-size:13px;border-top:1px solid var(--line);padding-top:18px}
.vcap b{color:#fff}
/* coverage */
.cov{background:var(--paper)}
.cgrid{display:grid;grid-template-columns:330px 1fr;gap:40px;align-items:start}
.ctabs{display:grid;gap:8px;position:sticky;top:100px}
.ctab{display:flex;align-items:center;gap:14px;padding:16px 18px;border-radius:16px;border:1px solid #e7e1d3;background:#fff;text-align:left;font-weight:700;font-size:16px;color:var(--ink);transition:all .25s}
.ctab svg{width:24px;height:24px;color:var(--gold3);flex:none}
.ctab small{display:block;font-weight:500;font-size:12.5px;color:#8a867d}
.ctab:hover{border-color:var(--gold)}
.ctab[aria-selected=true]{background:var(--ink);color:#fff;border-color:var(--ink);box-shadow:0 18px 40px -20px rgba(0,0,0,.6)}
.ctab[aria-selected=true] svg{color:var(--gold)}
.ctab[aria-selected=true] small{color:#a9a6a0}
.panel{display:none;border-radius:26px;overflow:hidden;background:#fff;box-shadow:0 30px 70px -40px rgba(0,0,0,.45);border:1px solid #eee6d6}
.panel.on{display:grid;grid-template-columns:1.05fr 1fr;animation:fade .5s ease}
.panel .ph{position:relative;min-height:440px}
.panel .ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.panel .ph:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(8,9,11,.55),transparent 50%)}
.panel .ph span{position:absolute;left:20px;bottom:18px;z-index:1;color:#fff;font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;display:flex;align-items:center;gap:8px}
.panel .ph span:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold)}
.panel .tx{padding:40px 38px}
.panel h3{font-size:clamp(28px,2.6vw,38px);margin-bottom:14px}
.panel p{color:#57544e;font-size:16px}
.panel ul{list-style:none;margin:22px 0 28px;display:grid;gap:10px}
.panel li{display:flex;gap:10px;align-items:flex-start;font-weight:600;font-size:15px}
.panel li:before{content:"";flex:none;width:20px;height:20px;margin-top:2px;border-radius:50%;background:var(--ink) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z' fill='%23e8b04b'/%3E%3C/svg%3E") center/13px no-repeat}
/* medicare */
/* about */
/* steps */
/* area + faq */
.af{background:var(--ivory)}
.afgrid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}
.area-card{background:var(--ink);color:#fff;border-radius:26px;padding:36px;position:relative;overflow:hidden}
.area-card:before{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;border-radius:50%;background:repeating-radial-gradient(circle,rgba(232,176,75,.18) 0 1px,transparent 1px 34px)}
.area-card h2{font-size:clamp(30px,3.4vw,44px);margin:16px 0 14px;position:relative}
.area-card p{color:#c4c1b9;position:relative}
.area-card .eyebrow{color:var(--gold)}
.towns{display:flex;flex-wrap:wrap;gap:8px;margin-top:24px;position:relative}
.towns span{padding:10px 16px;border-radius:12px;background:rgba(255,255,255,.06);border:1px solid var(--line);font-weight:600;font-size:14px}
.towns span.home{background:var(--gold);color:#1b1406;border-color:var(--gold)}
.faq h2{font-size:clamp(30px,3.4vw,44px);margin:16px 0 26px}
details{background:#fff;border:1px solid #ebe3d2;border-radius:16px;padding:18px 22px;margin-bottom:10px;transition:box-shadow .2s}
details[open]{box-shadow:0 20px 40px -30px rgba(0,0,0,.4)}
summary{cursor:pointer;font-weight:700;font-size:17px;list-style:none;display:flex;justify-content:space-between;gap:20px;align-items:center}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";flex:none;width:28px;height:28px;border-radius:8px;display:grid;place-items:center;background:var(--ivory);color:var(--gold3);font-size:18px;transition:transform .25s}
details[open] summary:after{transform:rotate(45deg)}
details p{color:#57544e;margin-top:10px;font-size:15.5px}
/* cta */
.cta{background:var(--ink);color:#fff;padding:0;position:relative;overflow:hidden}
.ctabox{position:relative;margin:0 auto;padding:110px 24px;text-align:center;max-width:1240px}
.ctabox:before{content:"";position:absolute;left:50%;top:50%;width:900px;height:900px;margin:-450px 0 0 -450px;background:radial-gradient(circle,rgba(232,176,75,.22),transparent 60%);z-index:0}
.ctabox>*{position:relative}
.ctabox h2{font-size:clamp(44px,7vw,104px);margin:18px 0 14px}
.ctabox p{color:#c4c1b9;font-size:18px;max-width:560px;margin:0 auto}
.bigphone{display:inline-block;font-weight:800;letter-spacing:-.03em;font-size:clamp(34px,4.6vw,60px);margin:30px 0 26px;transition:color .2s}
.bigphone:hover{color:var(--gold2)}
.ctabox .ctas{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
footer{background:#050506;color:#8b887f;padding:44px 0 120px;font-size:14px;border-top:1px solid var(--line)}
footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;align-items:center}
/* reveal */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .9s cubic-bezier(.2,.7,.2,1),transform .9s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
.d1{transition-delay:.1s}.d2{transition-delay:.2s}.d3{transition-delay:.3s}
.mbar{display:none}
@media (max-width:1000px){
 .hgrid,.igrid,.mgrid,.agrid,.afgrid{grid-template-columns:1fr;gap:48px}
 .cgrid{grid-template-columns:1fr}
 .ctabs{position:static;grid-template-columns:repeat(3,1fr)}
 .ctab{flex-direction:column;align-items:flex-start;gap:8px;padding:14px;font-size:14px}
 .ctab small{display:none}
 .panel.on{grid-template-columns:1fr}
 .panel .ph{min-height:260px}
}
@media (max-width:760px){
 .links a:not(.call){display:none}
 .links .call span{display:none}
 .brand img{width:40px;height:40px}.brand b{font-size:15px}.brand small{font-size:8.5px;letter-spacing:.22em}
 .hero{padding:104px 0 60px}
 .tiles{grid-template-columns:repeat(2,1fr)}
 .builder{padding:22px 18px}
 .fgrid{grid-template-columns:1fr}
 section{padding:84px 0}
 .vrow{grid-template-columns:1fr;justify-items:center}
 .wires{display:none}
 .carriers{width:100%;margin-top:40px}
 .vcap{flex-direction:column}
 .panel .tx{padding:28px 22px}
 .mbar{display:grid;grid-template-columns:1fr 1.3fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(8,9,11,.94);backdrop-filter:blur(12px);border-top:1px solid var(--line)}
 .mbar a{display:flex;align-items:center;justify-content:center;gap:8px;padding:14px;border-radius:12px;font-weight:700;color:#fff;border:1px solid rgba(255,255,255,.22)}
 .mbar a.q{background:linear-gradient(180deg,var(--gold2),var(--gold));color:#1b1406;border:0}
 .mbar svg{width:18px;height:18px}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}
/* vs table */
.vs{border-radius:20px;overflow:hidden;border:1px solid var(--line);background:rgba(255,255,255,.02)}
.vsh,.vsr{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:10px;padding:15px 18px;align-items:center;font-size:14.5px}
.vsh{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--mute);background:rgba(255,255,255,.03)}
.vsh .me{color:var(--gold)}
.vsr{border-top:1px solid var(--line);color:#b9b6ae}
.vsr span:first-child{color:#fff;font-weight:600}
.vsr .me{color:var(--gold2);font-weight:700;display:flex;gap:8px;align-items:center}
.vsr .me:before{content:"";flex:none;width:18px;height:18px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z' fill='%231b1406'/%3E%3C/svg%3E") center/12px no-repeat}
/* life moments */
@media (max-width:1000px){.mgr{grid-template-columns:repeat(3,1fr)}}
@media (max-width:760px){.mgr{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;margin:0 -24px;padding:0 24px 6px;scrollbar-width:none}.mo{flex:0 0 72%;scroll-snap-align:start}.vsh,.vsr{grid-template-columns:1.1fr 1fr 1fr;font-size:13px;padding:13px 12px}}
/* lead preview */
/* ===== Google profile preview ===== */
@media (max-width:760px){
 body.gopen .gtog{display:none}
}

/* carriers, meet section, v5 tweaks */

.carr{background:var(--paper);padding-bottom:90px}
.cgroup{margin-bottom:34px}
.glab{display:flex;align-items:baseline;gap:12px;font-weight:800;font-size:20px;letter-spacing:-.02em;margin-bottom:14px}
.glab span{font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold3)}
.lgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:12px}
.lg{background:#fff;border:1px solid #ebe3d2;border-radius:16px;height:96px;display:grid;place-items:center;padding:16px 22px;transition:transform .25s,box-shadow .25s,border-color .25s}
.lg:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 18px 36px -24px rgba(0,0,0,.45)}
.lg img{max-width:100%;max-height:52px;width:auto;height:auto;object-fit:contain}
.lg.txt b{font-size:17px;line-height:1.1;text-align:center;letter-spacing:-.01em;color:#1d3557}
@media (max-width:760px){.lgrid{grid-template-columns:repeat(2,1fr)}.lg{height:84px;padding:12px 16px}.lg img{max-height:44px}}
/* v5 tweaks */
.viz{padding-top:58px}
.carriers{width:275px}
.car i{min-width:60px}
@media (max-width:760px){.carriers{width:100%}}
.car{white-space:nowrap}
.lede,.head p,.panel p,.mlist span,.about p,.stp p,.area-card p,details p,.ctabox p,.mo p,.vals div,.vsr,.vcap,.car,.bfoot,.tile small,.ctab small,.q span,footer,.trust,.med p.l{font-weight:500}
.lede{font-size:clamp(17px,1.35vw,19.5px)}
.head p,.med p.l{font-size:18.5px}
.vcap,.car{font-size:13.5px}
.vsr span:first-child,.mlist b,.vals b{font-weight:700}
/* meet your agent */
.meet .gold,.carr .gold{background:linear-gradient(100deg,var(--gold) 0%,var(--gold3) 75%);-webkit-background-clip:text;background-clip:text;color:transparent}
.meet{background:var(--ivory);position:relative;overflow:hidden}
.mtgrid{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:center}
.mtph{position:relative;max-width:470px;width:100%;margin:auto}
.mtph:before{content:"";position:absolute;inset:-18px 18px 18px -18px;border:2px solid var(--gold);border-radius:28px;opacity:.7}
.frame{position:relative;border-radius:26px;overflow:hidden;aspect-ratio:4/5;box-shadow:0 50px 90px -40px rgba(0,0,0,.55);background:#5d6b78}
.frame img{width:100%;height:100%;object-fit:cover;object-position:50% 28%}
.mtbadge{position:absolute;right:-22px;bottom:30px;display:flex;align-items:center;gap:12px;background:var(--ink);color:#fff;border-radius:16px;padding:12px 18px 12px 12px;box-shadow:0 24px 50px -20px rgba(0,0,0,.6)}
.mtbadge img{width:44px;height:44px;border-radius:50%;box-shadow:0 0 0 2px var(--gold)}
.mtbadge span{font-size:12px;color:#c4c1b9;font-weight:500;line-height:1.35}
.mtbadge b{display:block;color:#fff;font-size:15px}
.meet h2{margin:16px 0 20px}
.meet p.l{color:#57544e;font-size:18px;font-weight:500;margin-bottom:14px}
.mtchips{display:flex;flex-wrap:wrap;gap:10px;margin:24px 0 30px}
.mtchips span{display:flex;align-items:center;gap:8px;padding:10px 16px;border-radius:12px;background:#fff;border:1px solid #ebe3d2;font-weight:700;font-size:14px}
.mtchips svg{width:18px;height:18px;color:var(--gold3)}
.meet .ctas{display:flex;gap:12px;flex-wrap:wrap}
@media (max-width:1000px){.mtgrid{grid-template-columns:1fr;gap:56px}.mtph{max-width:380px}.mtbadge{right:-8px}}


.mtq{margin:22px 0 22px;padding:20px 24px;border-left:4px solid var(--gold);background:#fff;border-radius:0 16px 16px 0;font-size:18px;font-weight:600;line-height:1.55;color:#2a2824;box-shadow:0 18px 40px -30px rgba(0,0,0,.4)}
.mtq cite{display:block;margin-top:10px;font-style:normal;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold3)}


/* ===== live site: inner pages, quote section, footer ===== */
.towns a.home{padding:10px 16px;border-radius:12px;background:var(--gold);color:#1b1406;border:1px solid var(--gold);font-weight:700;font-size:14px}
.panel .more{display:inline-flex;margin-left:14px;font-weight:700;color:var(--gold3);text-decoration:underline;text-underline-offset:3px}
.ts-box{margin:14px 0 4px}
.ts-box:empty{margin:0}
/* page hero */
.phero{position:relative;background:var(--ink);color:#fff;overflow:hidden;padding:150px 0 80px;isolation:isolate}
.phero .bg{position:absolute;inset:0;z-index:-1}
.phero .bg img{width:100%;height:100%;object-fit:cover;opacity:.38}
.phero:after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(8,9,11,.95) 0%,rgba(8,9,11,.7) 55%,rgba(8,9,11,.35) 100%)}
.phero h1{font-size:clamp(38px,5.4vw,68px);max-width:880px;margin:18px 0 18px}
.phero .lede{max-width:640px;color:#d9d6ce;font-size:clamp(17px,1.4vw,20px);font-weight:500}
.phero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;font-size:13px;font-weight:600;color:#bdb9b0}
.crumbs li+li:before{content:"/";margin-right:8px;color:var(--gold)}
.crumbs a:hover{color:var(--gold2)}
/* page body */
.pbody{padding:90px 0}
.pbody .g{display:grid;grid-template-columns:1fr 340px;gap:60px;align-items:start}
.prose h2{font-size:clamp(26px,2.6vw,34px);margin:42px 0 14px}
.prose h2:first-child{margin-top:0}
.prose p{color:#45423c;font-size:17.5px;font-weight:500;margin-bottom:14px}
.prose ul{margin:6px 0 18px 0;list-style:none;display:grid;gap:10px}
.prose li{position:relative;padding-left:30px;color:#45423c;font-weight:500}
.prose li:before{content:"";position:absolute;left:0;top:7px;width:16px;height:16px;border-radius:50%;background:radial-gradient(circle at 50% 50%,var(--gold) 0 35%,rgba(232,176,75,.2) 36%)}
.prose a{color:var(--gold3);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.cstrip{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px;margin:8px 0 10px}
.cstrip .lg{height:80px;padding:12px 16px}
.cstrip .lg img{max-height:42px}
.area-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px;margin-bottom:10px}
.area-grid a{display:block;padding:20px;border-radius:16px;background:#fff;border:1px solid #ebe3d2;text-decoration:none!important}
.area-grid b{display:block;color:var(--ink);font-size:18px}
.area-grid span{display:block;color:#5c5952;font-weight:500;font-size:14.5px;margin-top:6px}
.aside{display:grid;gap:16px;position:sticky;top:100px}
.acard{background:#fff;border:1px solid #ebe3d2;border-radius:20px;padding:24px}
.acard.dark{background:var(--ink);color:#fff;border-color:var(--ink)}
.acard.dark p{color:#cfccc4;font-weight:500;margin:14px 0 18px;font-size:15px}
.acard .btn{width:100%}
.acard .who{display:flex;gap:14px;align-items:center}
.acard .who img{width:64px;height:64px;border-radius:50%;object-fit:cover;object-position:50% 20%;box-shadow:0 0 0 2px var(--gold)}
.acard .who small{display:block;color:var(--mute);font-weight:600}
.acard h2{font-size:15px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold3);margin:4px 0 10px}
.acard ul{list-style:none;margin-bottom:18px}
.acard li a{display:block;padding:7px 0;font-weight:600;border-bottom:1px solid #f0eadf}
.acard li a[aria-current]{color:var(--gold3)}
/* faq + related */
.pfaq{background:var(--ivory);padding:90px 0}
.fgrid2{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;align-items:start}
.fgrid2 h2{font-size:clamp(28px,3vw,40px);margin:14px 0}
.fgrid2 p{color:#5c5952;font-weight:500}
.fgrid2 p a{color:var(--gold3);font-weight:700}
.related{padding:90px 0}
.related h2{font-size:clamp(28px,3vw,40px);margin-bottom:26px}
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.rel-grid a{position:relative;display:block;border-radius:20px;overflow:hidden;aspect-ratio:4/3;background:var(--ink)}
.rel-grid img{width:100%;height:100%;object-fit:cover;opacity:.75;transition:transform .5s,opacity .3s}
.rel-grid a:hover img{transform:scale(1.05);opacity:.9}
.rel-grid span{position:absolute;left:18px;right:18px;bottom:16px;color:#fff;font-weight:800;font-size:20px;display:flex;align-items:center;gap:8px;text-shadow:0 2px 12px rgba(0,0,0,.6)}
.rel-grid span svg{width:18px;height:18px;color:var(--gold)}
/* quote section on inner pages */
.qsec{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.qsec:before{content:"";position:absolute;inset:-40% -10% auto auto;width:700px;height:700px;background:radial-gradient(circle,rgba(232,176,75,.16),transparent 65%)}
.qgrid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative}
.qgrid h2{margin:16px 0 16px}
.qgrid p{color:#cfccc4;font-weight:500;font-size:18px;max-width:460px}
/* 404 */
.nf{min-height:80vh;display:grid;place-items:center;text-align:center;background:var(--ink);color:#fff;padding:140px 24px 80px}
.nf img{margin:0 auto 20px;border-radius:50%}
.nf h1{font-size:clamp(36px,5vw,60px);margin-bottom:14px}
.nf p{color:#cfccc4;margin-bottom:24px}
.nf p a{color:var(--gold2)}
/* footer */
.sfoot{display:block}
.sfoot .wrap{display:block}
.sfoot .fg{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:34px;border-bottom:1px solid var(--line)}
.sfoot .brand img{width:64px;height:64px}
.sfoot p{margin:18px 0 0;max-width:360px;color:#a9a69d;font-weight:500}
.sfoot .nap{font-style:normal;margin-top:18px;line-height:1.7;color:#c9c7c1}
.sfoot .nap b{color:#fff}
.sfoot .nap a:hover,.sfoot li a:hover{color:var(--gold2)}
.sfoot h4{color:#fff;font-size:13px;letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px}
.sfoot ul{list-style:none;display:grid;gap:8px;color:#c9c7c1;font-weight:500}
.sfoot .cp{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:22px;font-size:13px}
.sfoot .credit{color:#8b887f}
.sfoot .credit a{color:#b5b2a9;text-decoration:underline;text-underline-offset:3px}
@media (max-width:1000px){
 .pbody .g,.fgrid2,.qgrid{grid-template-columns:1fr;gap:40px}
 .aside{position:static}
 .rel-grid{grid-template-columns:1fr 1fr}
 .sfoot .fg{grid-template-columns:1fr 1fr}
 .sfoot .fg>div:first-child{grid-column:1/-1}
}
@media (max-width:760px){
 .phero{padding:116px 0 56px}
 .pbody,.pfaq,.related{padding:64px 0}
 .rel-grid{grid-template-columns:1fr}
 .sfoot .fg{grid-template-columns:1fr}
 .panel .more{display:flex;margin:12px 0 0}
}