:root {
  --navy: #000000;
  --navy-2: #160f1f;
  --gold: #e2c888;
  --gold-soft: #f0e2c4;
  --gold-dark: #684a90;
  --purple: #684a90;
  --ink: #1a1a1a;
  --muted: #5d5d66;
  --bg: #ffffff;
  --card: #ffffff;
  --line: #e7e3dc;
  --radius: 4px;
  --maxw: 1140px;
  --serif: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.7;
  font-size: 16.5px;
  font-weight: 400;
}
h1, h2, h3, .brand { font-family: var(--serif); font-weight: 600; }
h1, h2, h3, h4 { line-height: 1.18; color: var(--navy); margin: 0; }
a { color: var(--purple); text-decoration: none; transition: color .15s ease; }
a:hover { text-decoration: underline; text-underline-offset: 3px; }
img { max-width: 100%; height: auto; }
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Header ---------- */
.site-header { background: var(--navy); color: #fff;
  border-bottom: 1px solid rgba(226,200,136,0.28); }
.site-header .wrap { display: flex; align-items: center;
  justify-content: space-between; gap: 16px; padding-top: 18px;
  padding-bottom: 18px; flex-wrap: wrap; }
.brand { color: #fff; font-size: 1.3rem; letter-spacing: 0.1em;
  text-transform: uppercase; font-weight: 700; }
.brand:hover { text-decoration: none; }
.brand span { color: var(--gold); }
.nav { display: flex; gap: 26px; align-items: center; flex-wrap: wrap; }
.nav a { color: #d6d4dc; font-size: 0.8rem; font-weight: 500;
  letter-spacing: 0.12em; text-transform: uppercase; }
.nav a:hover { color: var(--gold); text-decoration: none; }
.nav .btn { margin-left: 4px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--sans);
  font-weight: 600;
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 13px 28px;
  border-radius: 2px;
  border: 1px solid var(--gold);
  cursor: pointer;
  transition: background .18s ease, color .18s ease;
}
.btn:hover { background: var(--gold-soft); border-color: var(--gold-soft);
  text-decoration: none; }
.btn-lg { padding: 16px 38px; font-size: 0.85rem; }
.btn-outline { background: transparent; color: #fff;
  border: 1px solid rgba(255,255,255,0.55); }
.btn-outline:hover { background: rgba(226,200,136,0.12);
  border-color: var(--gold); color: var(--gold); }

/* ---------- Hero ---------- */
.hero { background:
  radial-gradient(1100px 480px at 80% -10%, rgba(104,74,144,0.34), transparent 64%),
  linear-gradient(165deg, #000 0%, var(--navy-2) 100%);
  color: #fff; padding: 104px 0 110px; }
.hero h1 { font-size: clamp(2.5rem, 5.6vw, 4rem); color: #fff;
  margin: 0 0 22px; }
.hero .lede { font-size: 1.13rem; color: #c9c7d0; max-width: 660px;
  margin: 0 0 36px; font-weight: 400; }
.hero .gold { color: var(--gold); font-style: italic; }
.hero .cta-row { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-badges { margin-top: 56px; display: flex; gap: 44px; flex-wrap: wrap;
  color: #a5a3ae; font-size: 0.85rem; border-top: 1px solid rgba(226,200,136,0.22);
  padding-top: 30px; }
.hero-badges strong { color: var(--gold); display: block; font-size: 1.55rem;
  font-family: var(--serif); font-weight: 600; }

/* ---------- Sections ---------- */
main { display: block; }
.section { padding: 84px 0; }
.section-alt { background: #faf8f4; border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line); }
.section h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin: 0 0 14px; }
.section .sub { color: var(--muted); max-width: 700px; margin: 0 0 36px;
  font-size: 1.02rem; }
.kicker { font-family: var(--sans); text-transform: uppercase;
  letter-spacing: 0.22em; font-size: 0.72rem; font-weight: 600;
  color: var(--purple); margin-bottom: 14px; }
.kicker::after { content: ""; display: block; width: 44px; height: 1px;
  background: var(--gold); margin-top: 12px; }

/* ---------- Cards & grids ---------- */
.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); }
.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 28px;
  transition: border-color .18s ease, box-shadow .18s ease,
    transform .18s ease;
}
.card:hover { border-color: rgba(104,74,144,0.45);
  box-shadow: 0 14px 34px rgba(20,12,32,0.08); transform: translateY(-2px); }
.card h3 { margin: 0 0 10px; font-size: 1.32rem; }
.card h3 a { color: var(--navy); }
.card p { margin: 0; color: var(--muted); font-size: 0.94rem; }
.card.has-img { padding: 0; overflow: hidden; }
.card.has-img .card-body { padding: 26px 28px 30px; }
.card-img { width: 100%; height: 190px; object-fit: cover; display: block;
  filter: saturate(0.92); }

.linklist { columns: 3; column-gap: 40px; padding: 0; margin: 0;
  list-style: none; }
.linklist li { margin: 0 0 12px; break-inside: avoid; }
.linklist a { color: var(--ink); font-size: 0.96rem; }
.linklist a:hover { color: var(--purple); }
.state-grid { display: grid;
  grid-template-columns: repeat(auto-fill, minmax(172px, 1fr));
  gap: 10px; padding: 0; margin: 0; list-style: none; }
.state-grid a { display: block; background: var(--card);
  border: 1px solid var(--line); border-radius: 2px; padding: 11px 16px;
  color: var(--ink); font-size: 0.93rem; font-weight: 500;
  transition: border-color .15s ease, color .15s ease; }
.state-grid a:hover { border-color: var(--purple); color: var(--purple);
  text-decoration: none; }

/* ---------- Images: gallery frame ---------- */
.img-frame {
  display: block;
  background: #fff;
  padding: 10px;
  border: 1px solid var(--line);
  box-shadow: 0 18px 44px rgba(20,12,32,0.12);
  border-radius: 2px;
}
.article-img { width: 100%; margin: 0 0 30px; }
.valor-row { display: grid; grid-template-columns: 380px minmax(0, 1fr);
  gap: 56px; align-items: center; }
.valor-img { width: 100%; }

/* ---------- Article / content pages ---------- */
.page-hero { background:
  radial-gradient(900px 360px at 85% -20%, rgba(104,74,144,0.3), transparent 62%),
  linear-gradient(165deg, #000 0%, var(--navy-2) 100%);
  color: #fff; padding: 66px 0 70px;
  border-bottom: 3px solid var(--gold); }
.page-hero h1 { font-size: clamp(2rem, 4.4vw, 3rem); color: #fff;
  margin: 0 0 14px; }
.page-hero p { color: #c9c7d0; max-width: 740px; margin: 0;
  font-size: 1.06rem; }
.breadcrumbs { font-size: 0.78rem; color: #918fa0; margin-bottom: 22px;
  letter-spacing: 0.08em; text-transform: uppercase; }
.breadcrumbs a { color: #918fa0; }
.breadcrumbs a:hover { color: var(--gold); }
.article { max-width: 760px; }
.article h2 { font-size: 1.75rem; margin: 44px 0 14px; }
.article h3 { font-size: 1.3rem; margin: 30px 0 10px; }
.article p { margin: 0 0 18px; }
.article ul { padding-left: 22px; margin: 0 0 18px; }
.article li { margin-bottom: 8px; }
.layout-2col { display: grid; grid-template-columns: minmax(0, 1fr) 300px;
  gap: 56px; align-items: start; }
.sidebar .card { position: sticky; top: 24px; }
.sidebar .card:hover { transform: none; box-shadow: none;
  border-color: var(--line); }
.sidebar .card h3 { font-size: 1.25rem; }
.sidebar ul { list-style: none; padding: 0; margin: 12px 0 0; }
.sidebar li { margin-bottom: 10px; font-size: 0.92rem; }

/* ---------- FAQ ---------- */
.faq details { background: var(--card); border: 1px solid var(--line);
  border-radius: 2px; padding: 16px 20px; margin-bottom: 10px; }
.faq details[open] { border-color: rgba(104,74,144,0.45); }
.faq summary { font-weight: 600; cursor: pointer; color: var(--navy);
  font-size: 0.98rem; }
.faq p { margin: 12px 0 2px; color: var(--muted); }

/* ---------- CTA band ---------- */
.cta-band { background:
  radial-gradient(900px 420px at 50% 130%, rgba(104,74,144,0.4), transparent 70%),
  #000;
  color: #fff; text-align: center; padding: 92px 0;
  border-top: 3px solid var(--gold); }
.cta-band h2 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); color: #fff;
  margin: 0 0 16px; }
.cta-band p { color: #c9c7d0; max-width: 600px; margin: 0 auto 34px; }
.cta-band .cta-row { display: flex; gap: 16px; flex-wrap: wrap;
  justify-content: center; }

/* ---------- Forms ---------- */
.form { max-width: 640px; display: grid; gap: 18px; }
.form label { font-weight: 600; font-size: 0.8rem; color: var(--navy);
  display: block; margin-bottom: 6px; letter-spacing: 0.1em;
  text-transform: uppercase; }
.form input, .form select, .form textarea {
  width: 100%; padding: 13px 14px; border: 1px solid var(--line);
  border-radius: 2px; font: inherit; font-size: 0.98rem; background: #fff;
  color: var(--ink); transition: border-color .15s ease;
}
.form input:focus, .form select:focus, .form textarea:focus {
  outline: none; border-color: var(--purple); }
.form textarea { min-height: 130px; }
.form-note { font-size: 0.85rem; color: var(--muted); margin-top: 4px;
  text-transform: none; letter-spacing: 0; }

/* Inline checkbox groups */
.check-list { display: grid; gap: 8px; padding: 4px 0; }
.check-list label { display: flex; gap: 10px; align-items: center;
  font-weight: 400; font-size: 0.96rem; cursor: pointer; margin: 0;
  text-transform: none; letter-spacing: 0; }
.check-list input[type="checkbox"] { width: auto;
  accent-color: var(--purple); }

/* Coverage multi-select dropdown */
.multi { position: relative; }
.multi > summary {
  list-style: none; cursor: pointer; width: 100%; padding: 13px 14px;
  border: 1px solid var(--line); border-radius: 2px; background: #fff;
  color: var(--muted); font-size: 0.98rem;
}
.multi > summary::-webkit-details-marker { display: none; }
.multi > summary::after { content: " ▾"; float: right; color: var(--muted); }
.multi[open] > summary { border-color: var(--purple); }
.multi .multi-list {
  position: absolute; z-index: 10; left: 0; right: 0; margin-top: 4px;
  max-height: 280px; overflow-y: auto; background: #fff;
  border: 1px solid var(--line); border-radius: 2px; padding: 10px 14px;
  box-shadow: 0 16px 38px rgba(20,12,32,0.16);
}
.multi label { display: flex; gap: 9px; align-items: center;
  font-weight: 400; font-size: 0.94rem; padding: 5px 0; margin: 0;
  cursor: pointer; text-transform: none; letter-spacing: 0; }
.multi input[type="checkbox"] { width: auto; accent-color: var(--purple); }

/* ---------- License table ---------- */
.lic-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.lic-table { width: 100%; min-width: 560px; border-collapse: collapse;
  margin-top: 22px; font-size: 0.95rem; }
.lic-table th { text-align: left; background: var(--navy); color: var(--gold);
  padding: 14px 18px; font-size: 0.74rem; text-transform: uppercase;
  letter-spacing: 0.14em; font-weight: 600; }
.lic-table td { padding: 12px 18px; border-bottom: 1px solid var(--line);
  vertical-align: top; }
.lic-table tr:nth-child(even) td { background: #faf8f4; }
.lic-badge { display: inline-block; background: #f0eaf7;
  color: var(--purple); font-size: 0.7rem; font-weight: 600;
  padding: 1px 9px; border-radius: 10px; margin-left: 6px;
  vertical-align: 1px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #a5a3ae; padding: 64px 0 32px;
  font-size: 0.9rem; border-top: 1px solid rgba(226,200,136,0.28); }
.site-footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; margin-bottom: 40px; }
.site-footer h4 { color: var(--gold); font-family: var(--sans);
  font-size: 0.74rem; margin: 0 0 16px; text-transform: uppercase;
  letter-spacing: 0.18em; font-weight: 600; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 9px; }
.site-footer a { color: #a5a3ae; }
.site-footer a:hover { color: var(--gold); }
.footer-contact { line-height: 2; }
.footer-contact a { color: #d6d4dc; font-weight: 500; }
.site-footer .legal { border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px; font-size: 0.8rem; color: #76737f; line-height: 1.8; }

/* ---------- Mobile nav (hamburger) ---------- */
.nav-toggle { display: none; }
@media (max-width: 820px) {
  .nav-toggle { display: flex; flex-direction: column; justify-content: center;
    gap: 5px; cursor: pointer; padding: 8px 4px; }
  .nav-toggle span { display: block; width: 26px; height: 2px;
    background: var(--gold); transition: transform .2s ease, opacity .2s ease; }
  .nav-toggle-cb:checked ~ .nav-toggle span:nth-child(1) {
    transform: translateY(7px) rotate(45deg); }
  .nav-toggle-cb:checked ~ .nav-toggle span:nth-child(2) { opacity: 0; }
  .nav-toggle-cb:checked ~ .nav-toggle span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg); }
  .nav { display: none; flex-basis: 100%; flex-direction: column;
    align-items: stretch; gap: 0; margin-top: 6px; }
  .nav-toggle-cb:checked ~ .nav { display: flex; }
  .nav a { width: 100%; padding: 15px 2px; font-size: 0.85rem;
    border-top: 1px solid rgba(255,255,255,0.1); }
  .nav a.btn { margin: 16px 0 6px; padding: 15px 0; text-align: center;
    border-top: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 880px) {
  .layout-2col { grid-template-columns: 1fr; }
  .linklist { columns: 2; }
  .site-footer .cols { grid-template-columns: 1fr 1fr; }
  .valor-row { grid-template-columns: 1fr; gap: 36px; }
  .valor-img { max-width: 420px; }
  .hero { padding: 72px 0 78px; }
  .section { padding: 64px 0; }
}
@media (max-width: 560px) {
  .linklist { columns: 1; }
  .lic-table td { padding: 10px 12px; }
  .hero-badges { gap: 26px; }
  .site-footer .cols { grid-template-columns: 1fr; gap: 28px; }
}

/* ---------- Footer hours table ---------- */
.hours-table { border-collapse: collapse; margin-top: 8px; font-size: 0.86rem; }
.hours-table td { padding: 1px 0; border: none; }
.hours-table td:first-child { color: #d6d4dc; padding-right: 26px; }

/* ---------- Form groups ---------- */
.fgroup { border: 1px solid var(--line); border-radius: 2px;
  padding: 22px 24px 24px; margin: 0; display: grid; gap: 18px; }
.fgroup legend { font-family: var(--serif); font-size: 1.2rem;
  font-weight: 600; color: var(--navy); padding: 0 10px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.radio-row { display: flex; gap: 26px; padding: 4px 0; }
.radio-row label { display: flex; gap: 8px; align-items: center;
  font-weight: 400; font-size: 0.98rem; cursor: pointer; margin: 0;
  text-transform: none; letter-spacing: 0; }
.radio-row input[type="radio"] { width: auto; accent-color: var(--purple); }
.opt { font-weight: 400; color: var(--muted); text-transform: none;
  letter-spacing: 0; }

/* ---------- About stats ---------- */
.lede-dark { font-size: 1.18rem; line-height: 1.75; color: var(--ink); }
.stat-band { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
  margin-top: 44px; border-top: 1px solid var(--gold);
  border-bottom: 1px solid var(--gold); padding: 34px 0; }
.stat-band > div { text-align: center; }
.stat-band strong { display: block; font-family: var(--serif);
  font-size: 2.6rem; font-weight: 600; color: var(--navy); line-height: 1.1; }
.stat-band span { color: var(--muted); font-size: 0.82rem;
  text-transform: uppercase; letter-spacing: 0.16em; }
@media (max-width: 560px) {
  .form-row { grid-template-columns: 1fr; }
  .stat-band { grid-template-columns: 1fr; gap: 26px; }
}

/* ---------- Circle portraits ---------- */
.portrait-block { text-align: center; margin-bottom: 12px; }
.portrait-block h2, .portrait-block h3 { margin: 22px 0 2px; }
.img-circle {
  width: 240px; height: 240px; border-radius: 50%; object-fit: cover;
  object-position: top; display: block; margin: 0 auto;
  border: 5px solid #fff; box-shadow: 0 18px 44px rgba(20,12,32,0.16);
  outline: 1px solid var(--gold); outline-offset: 7px;
}
.portrait-side .img-circle { width: 200px; height: 200px; }
.portrait-title { color: var(--purple); font-size: 0.8rem;
  text-transform: uppercase; letter-spacing: 0.18em; font-weight: 600;
  margin: 0; }
.portrait-block + .stat-band { margin-top: 48px; }

/* ---------- Glossary ---------- */
.az-nav { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 36px; }
.az-nav a { display: inline-block; min-width: 36px; text-align: center;
  padding: 7px 0; border: 1px solid var(--line); border-radius: 2px;
  color: var(--navy); font-weight: 600; font-size: 0.9rem; }
.az-nav a:hover { border-color: var(--purple); color: var(--purple);
  text-decoration: none; }
.glossary h2 { font-size: 2.2rem; color: var(--gold-dark);
  border-bottom: 1px solid var(--gold); padding-bottom: 6px;
  margin: 44px 0 18px; scroll-margin-top: 20px; }
.glossary dl { margin: 0; }
.glossary dt { font-weight: 600; color: var(--navy); font-size: 1.02rem;
  margin-top: 16px; }
.glossary dd { margin: 2px 0 0; color: var(--muted); font-size: 0.96rem; }

/* ---------- Nav Get a Quote button: readable ---------- */
.nav a.btn { color: var(--navy); letter-spacing: 0.14em; }
.nav a.btn:hover { color: var(--navy); background: var(--gold-soft); }