:root{--hero-beach:url("../img/img-0f44771301.jpg");
  --indigo:#245A87;
  --indigo-dark:#1B4567;
  --aqua:#4CB6C2;
  --seafoam:#BFE4DD;
  --seafoam-tint:#E2F2EE;
  --ivory:#F8F4EE;
  --charcoal:#4A5560;
  --ink:#2A323A;
  --white:#FFFFFF;
  --line:rgba(74,85,96,.16);
  --shadow:0 1px 2px rgba(36,90,135,.06),0 8px 28px rgba(36,90,135,.08);
  --shadow-lift:0 4px 10px rgba(36,90,135,.10),0 18px 44px rgba(36,90,135,.14);
  --font-display:'Newsreader',Georgia,'Times New Roman',serif;--font-head:'Newsreader',Georgia,'Times New Roman',serif;
  --font-body:'Figtree',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;--font-script:'Dancing Script','Brush Script MT',cursive;
  --maxw:1120px;
  --radius:14px;
  --radius-lg:22px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  font-size:18px;
  line-height:1.65;
  color:var(--ink);
  background:var(--ivory);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:500;line-height:1.15;color:var(--indigo);letter-spacing:-.01em}
h1{font-size:clamp(2.3rem,5.2vw,3.6rem);font-weight:500}
h2{font-size:clamp(1.8rem,3.6vw,2.6rem)}
h3{font-size:1.4rem}
h4{font-size:1.12rem;color:var(--ink)}
p{margin-bottom:1rem}
a{color:var(--indigo);text-decoration-color:rgba(36,90,135,.35);text-underline-offset:3px}
a:hover{color:var(--indigo-dark)}
img{max-width:100%;display:block}
ul,ol{margin:0 0 1rem 1.25rem}
li{margin-bottom:.4rem}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-family:var(--font-body);font-weight:600;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--aqua);filter:saturate(.85) brightness(.78)}
.lede{font-size:1.18rem;color:var(--charcoal);max-width:62ch}

/* Skip link */
.skip{position:absolute;left:-999px;top:0;background:var(--indigo);color:#fff;padding:.7rem 1.1rem;border-radius:0 0 10px 0;z-index:200}
.skip:focus{left:0}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--font-body);font-weight:600;font-size:1rem;padding:.85rem 1.5rem;border-radius:999px;border:2px solid transparent;cursor:pointer;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease,background .15s ease;line-height:1}
.btn-primary{background:var(--indigo);color:#fff}
.btn-primary:hover{background:var(--indigo-dark);color:#fff;transform:translateY(-1px);box-shadow:var(--shadow-lift)}
.btn-ghost{background:transparent;color:var(--indigo);border-color:rgba(36,90,135,.35)}
.btn-ghost:hover{background:var(--white);color:var(--indigo-dark);border-color:var(--indigo);transform:translateY(-1px)}
.btn-aqua{background:var(--aqua);color:#0c3a45}
.btn-aqua:hover{background:#3aa6b3;color:#08323c;transform:translateY(-1px);box-shadow:var(--shadow-lift)}
.btn-lg{padding:1rem 1.8rem;font-size:1.06rem}

/* Focus visibility */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,[tabindex]:focus-visible{
  outline:3px solid var(--aqua);outline-offset:2px;border-radius:6px
}

/* Header / nav */
header.site{position:sticky;top:0;z-index:100;background:rgba(248,244,238,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{max-width:1260px}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;height:74px}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;flex:none}
.brand-mark{width:42px;height:42px;border-radius:12px;background:linear-gradient(150deg,var(--indigo),var(--aqua));display:grid;place-items:center;color:#fff;font-family:var(--font-display);font-weight:600;font-size:1.2rem;box-shadow:var(--shadow)}
.brand-txt{display:flex;flex-direction:column;line-height:1.05}
.brand-txt b{font-family:var(--font-display);font-weight:600;font-size:1.18rem;color:var(--indigo);letter-spacing:-.01em}
.brand-txt span{font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;color:var(--charcoal);font-weight:600}
.brand-logo{height:58px;width:auto;display:block}
.brand-name{display:flex;flex-direction:column;line-height:1.18;gap:1px}
.brand-name b{font-weight:700;font-size:1.02rem;color:var(--indigo);letter-spacing:-.005em}
.brand-name .sub{font-size:.82rem;color:var(--charcoal);font-weight:500}
.navlinks{display:flex;align-items:center;gap:.05rem;list-style:none;margin:0}
.navlinks a{display:block;text-decoration:none;color:var(--ink);font-weight:500;font-size:.93rem;padding:.5rem .58rem;border-radius:9px;white-space:nowrap}
.navlinks a:hover{background:var(--seafoam-tint);color:var(--indigo)}
.navlinks a.active{color:var(--indigo);background:var(--seafoam-tint);font-weight:600}
.has-sub{position:relative}
.subtoggle{display:flex;align-items:center;gap:.25rem}
.subtoggle .caret{transition:transform .2s}
.submenu{position:absolute;top:calc(100% + 6px);left:0;background:var(--white);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lift);padding:.5rem;min-width:248px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s;list-style:none;margin:0}
.has-sub:hover .submenu,.has-sub:focus-within .submenu{opacity:1;visibility:visible;transform:translateY(0)}
.has-sub:hover .caret,.has-sub:focus-within .caret{transform:rotate(180deg)}
.submenu a{font-size:.95rem;padding:.6rem .75rem}
.nav-cta{flex:none}
.hamburger{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center}
.hamburger span{display:block;width:22px;height:2px;background:var(--indigo);position:relative}
.hamburger span::before,.hamburger span::after{content:"";position:absolute;left:0;width:22px;height:2px;background:var(--indigo)}
.hamburger span::before{top:-7px}.hamburger span::after{top:7px}

/* Sections */
main{display:block;min-height:50vh}
.section{padding:84px 0}
.section.tight{padding:56px 0}
.section-alt{background:var(--white)}
.section-sea{background:var(--seafoam-tint)}
.center{text-align:center}
.center .lede{margin-left:auto;margin-right:auto}
.stack>*+*{margin-top:1rem}
.kicker-head{max-width:60ch}
.kicker-head.center{margin:0 auto}

/* Hero */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(120% 90% at 85% -10%,rgba(76,182,194,.22),transparent 60%),
  linear-gradient(180deg,var(--ivory),var(--seafoam-tint));
  padding:96px 0 0}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1{margin-bottom:1.1rem}
.hero .lede{margin-bottom:1.7rem;font-size:1.24rem}
.hero-cta{display:flex;gap:.8rem;flex-wrap:wrap}
.hero-trust{margin-top:1.7rem;display:flex;gap:1.4rem;flex-wrap:wrap;color:var(--charcoal);font-size:.95rem}
.hero-trust b{color:var(--indigo)}
.hero-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-lift);padding:30px}
.hero-card h3{color:var(--indigo);margin-bottom:.2rem}
.hero-card .muted{color:var(--charcoal);font-size:.95rem;margin-bottom:1.1rem}
.agent-row{display:flex;align-items:center;gap:.9rem;padding:.85rem 0;border-top:1px solid var(--line)}
.avatar{width:48px;height:48px;border-radius:50%;flex:none;display:grid;place-items:center;color:#fff;font-weight:700;font-family:var(--font-display);background:linear-gradient(150deg,var(--indigo),var(--aqua))}
.agent-row .nm{font-weight:600;color:var(--ink)}
.agent-row .ln{font-size:.85rem;color:var(--charcoal)}
.wave{position:relative;display:block;width:100%;height:70px;margin-top:48px}
.wave svg{display:block;width:100%;height:100%}

/* Cards / grids */
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-5{grid-template-columns:repeat(5,1fr)}
@media(max-width:980px){.grid-5{grid-template-columns:repeat(3,1fr)}}
@media(max-width:680px){.grid-5{grid-template-columns:1fr 1fr}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s;display:flex;flex-direction:column}
.card.link{cursor:pointer;text-decoration:none;color:inherit}
.card.link:hover{transform:translateY(-3px);box-shadow:var(--shadow-lift)}
.card .ico{width:48px;height:48px;border-radius:12px;background:var(--seafoam-tint);display:grid;place-items:center;margin-bottom:16px;color:var(--indigo)}
.card h3{font-size:1.22rem;margin-bottom:.4rem}
.card p{color:var(--charcoal);font-size:.98rem;margin-bottom:.9rem}
.card .more{margin-top:auto;font-weight:600;color:var(--indigo);font-size:.95rem}
.pill{display:inline-block;background:var(--seafoam);color:var(--indigo-dark);font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:.28rem .6rem;border-radius:999px;margin-bottom:12px;align-self:flex-start}

/* Feature split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center}
.split.reverse .split-media{order:2}
.split-media{background:linear-gradient(160deg,var(--seafoam-tint),var(--white));border:1px solid var(--line);border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow)}
.feature-list{list-style:none;margin:0}
.feature-list li{display:flex;gap:.7rem;align-items:flex-start;margin-bottom:.7rem;color:var(--charcoal)}
.feature-list .ck{flex:none;width:24px;height:24px;border-radius:50%;background:var(--seafoam);color:var(--indigo-dark);display:grid;place-items:center;font-weight:700;font-size:.8rem;margin-top:2px}

/* Steps */
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{position:relative;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.step .n{font-family:var(--font-display);font-size:2rem;color:var(--aqua);font-weight:600;line-height:1}
.step h4{margin:.5rem 0 .3rem}

/* CTA band */
.ctaband{background:linear-gradient(135deg,var(--indigo),#2d6e9c);color:#fff;border-radius:var(--radius-lg);padding:48px;text-align:center;box-shadow:var(--shadow-lift)}
.ctaband h2{color:#fff}
.ctaband p{color:rgba(255,255,255,.9);max-width:54ch;margin:.6rem auto 1.5rem}
.ctaband .btn-primary{background:#fff;color:var(--indigo)}
.ctaband .btn-primary:hover{background:var(--seafoam);color:var(--indigo-dark)}
.ctaband .btn-ghost{color:#fff;border-color:rgba(255,255,255,.6)}
.ctaband .btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:600;color:var(--indigo);list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--aqua);font-weight:400}
.faq details[open] summary::after{content:"\2013"}
.faq .ans{padding:0 22px 20px;color:var(--charcoal)}

/* Resource links */
.linklist{list-style:none;margin:0;display:grid;gap:10px}
.linklist a{display:flex;align-items:center;gap:.6rem;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:14px 18px;text-decoration:none;color:var(--ink);font-weight:500;transition:.15s}
.linklist a:hover{border-color:var(--aqua);background:var(--seafoam-tint);transform:translateX(2px)}
.linklist .arr{margin-left:auto;color:var(--aqua)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.field{margin-bottom:16px;display:flex;flex-direction:column;gap:.35rem}
.field label{font-weight:600;font-size:.92rem;color:var(--ink)}
.field input,.field select,.field textarea{font-family:var(--font-body);font-size:1rem;padding:.8rem .9rem;border:1.5px solid var(--line);border-radius:10px;background:var(--white);color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--aqua);outline:none}
.formcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow)}
.formnote{font-size:.85rem;color:var(--charcoal);margin-top:.6rem}
.success{background:var(--seafoam-tint);border:1px solid var(--aqua);border-radius:12px;padding:16px;color:var(--indigo-dark);font-weight:500;margin-top:12px;display:none}
.agentcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);margin-bottom:18px}
.agentcard .top{display:flex;align-items:center;gap:1rem;margin-bottom:14px}
.agentcard .nm{font-family:var(--font-display);font-size:1.3rem;color:var(--indigo);font-weight:600}
.agentcard .role{font-size:.9rem;color:var(--charcoal)}
.agentcard .li{font-size:.82rem;color:var(--charcoal);display:flex;gap:.4rem;margin-bottom:.3rem}
.agentcard .li b{color:var(--ink)}
.mapbox{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow);height:300px}
.mapbox iframe{width:100%;height:100%;border:0}
.info-line{display:flex;gap:.6rem;align-items:flex-start;margin-bottom:.6rem;color:var(--charcoal)}
.info-line svg{flex:none;color:var(--aqua);margin-top:3px}
.info-line b{color:var(--ink)}

/* Carrier marquee */
.carriers{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:26px 0;overflow:hidden}
.carriers .label{text-align:center;font-size:.78rem;letter-spacing:.13em;text-transform:uppercase;color:var(--charcoal);font-weight:600;margin-bottom:16px}
.marquee{display:flex;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee-track{display:flex;gap:14px;align-items:center;flex:none;animation:scroll 38s linear infinite;padding-right:14px}
.carriers:hover .marquee-track{animation-play-state:paused}
.chip{flex:none;background:var(--ivory);border:1px solid var(--line);border-radius:10px;padding:.7rem 1.2rem;font-weight:600;color:var(--indigo);font-size:.95rem;white-space:nowrap}
@keyframes scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* Footer */
footer.site{background:var(--ink);color:rgba(255,255,255,.78);padding:56px 0 0;font-size:.92rem}
footer.site a{color:rgba(255,255,255,.82)}
footer.site a:hover{color:#fff}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:32px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-brand .brand-txt b{color:#fff}
.foot-brand .brand-txt span{color:rgba(255,255,255,.6)}
.foot-brand p{margin-top:14px;max-width:34ch;color:rgba(255,255,255,.66)}
.foot-col h4{color:#fff;font-family:var(--font-body);font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.foot-col ul{list-style:none;margin:0}
.foot-col li{margin-bottom:9px}
.foot-col a{text-decoration:none}
.socials{display:flex;gap:10px;margin-top:10px}
.socials a{width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,.08);display:grid;place-items:center;color:#fff;transition:.15s}
.socials a:hover{background:var(--aqua);color:#0c3a45}
.license-band{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:16px 20px;margin:28px 0;color:rgba(255,255,255,.82)}
.license-band b{color:#fff}
.disclaimer{font-size:.78rem;line-height:1.6;color:rgba(255,255,255,.52);padding:24px 0 14px}
.foot-bottom{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;padding:18px 0 36px;border-top:1px solid rgba(255,255,255,.12);font-size:.82rem;color:rgba(255,255,255,.55)}

/* Page hero (interior) */
.phero{background:radial-gradient(120% 120% at 90% -20%,rgba(76,182,194,.18),transparent 55%),linear-gradient(180deg,var(--seafoam-tint),var(--ivory));padding:72px 0 60px;border-bottom:1px solid var(--line)}
.phero .eyebrow{margin-bottom:.7rem}
.phero h1{margin-bottom:.9rem}
.phero-photo{position:relative;overflow:hidden;background:#F8F4EE;min-height:520px;display:flex;align-items:center}
.phero-photo .ph-bg{position:absolute;top:0;right:0;bottom:0;left:42%;background-size:cover;z-index:0}
.phero-photo::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,#F8F4EE 0%,#F8F4EE 40%,rgba(248,244,238,.85) 48%,rgba(248,244,238,.35) 58%,rgba(248,244,238,0) 70%)}
.phero-photo .wrap{position:relative;z-index:2;width:100%}
.phero-photo .lede,.phero-photo p{max-width:52ch}
@media(max-width:760px){.phero-photo::before{background:linear-gradient(180deg,rgba(248,244,238,.97),rgba(248,244,238,.88))}}
/* About Us banner (contained rounded card, photo bleeds right) */
.about-hero{position:relative;overflow:hidden;border-radius:24px;background:#F8F4EE;border:1px solid var(--line);box-shadow:var(--shadow-lift)}
.about-hero .ah-bg{position:absolute;top:0;right:0;bottom:0;left:42%;background-size:cover;background-position:60% 38%;z-index:0}
.about-hero::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,#F8F4EE 0%,#F8F4EE 40%,rgba(248,244,238,.96) 52%,rgba(248,244,238,.55) 64%,rgba(248,244,238,0) 78%)}
.about-hero-text{position:relative;z-index:2;max-width:56ch;padding:48px 44px 50px}
.about-hero-text h1{margin:0;font-size:clamp(2.4rem,4.4vw,3.4rem)}
.about-hero-text .ah-script{display:block;font-family:var(--font-script);color:var(--aqua);font-weight:600;font-size:1.7rem;line-height:1.1;margin:.15rem 0 1.1rem}
.about-hero-text p{color:var(--charcoal);margin:0 0 .9rem;max-width:52ch}
.about-hero-text p:last-child{margin-bottom:0}
/* Meet Steve & Cindy section */
.meet-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:46px;align-items:start}
.meet-photo{width:100%;border-radius:var(--radius-lg);box-shadow:var(--shadow-lift);display:block;object-fit:cover;object-position:center 32%}
.meet-copy p{color:var(--charcoal);margin:0 0 1rem}
.meet-copy p:first-of-type{font-family:var(--font-display);font-size:1.18rem;line-height:1.5;color:var(--ink)}
.meet-lic{display:flex;flex-wrap:wrap;gap:8px 22px;margin:1.2rem 0 .4rem;font-size:.86rem}
.meet-lic span{color:var(--indigo);font-weight:600}
@media(max-width:900px){
  .about-hero .ah-bg{position:relative;left:0;height:220px;background-position:60% 30%}
  .about-hero::before{display:none}
  .about-hero-text{max-width:none;padding:34px 26px 38px}
  .meet-grid{grid-template-columns:1fr;gap:24px}
  .meet-photo{max-width:420px;margin:0 auto}
}
.crumb{font-size:.85rem;color:var(--charcoal);margin-bottom:1rem}
.crumb a{text-decoration:none}

/* Misc */
.note{background:var(--seafoam-tint);border-left:4px solid var(--aqua);border-radius:0 10px 10px 0;padding:16px 20px;color:var(--indigo-dark);font-size:.95rem}
.tag-row{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1rem}
.tag{background:var(--white);border:1px solid var(--line);border-radius:999px;padding:.4rem .9rem;font-size:.85rem;color:var(--charcoal);font-weight:500}
.stat-row{display:flex;gap:36px;flex-wrap:wrap;margin-top:1.4rem}
.stat .num{font-family:var(--font-display);font-size:2.2rem;color:var(--indigo);font-weight:600;line-height:1}
.stat .lbl{font-size:.85rem;color:var(--charcoal)}

/* Responsive */
@media(max-width:1100px){
  .navlinks,.nav-cta{display:none}
  .hamburger{display:flex}
  .nav-open .navlinks{display:flex;position:absolute;top:74px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--ivory);border-bottom:1px solid var(--line);padding:14px 24px;gap:.2rem;box-shadow:var(--shadow-lift)}
  .nav-open .submenu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;padding:.2rem 0 .2rem 1rem;min-width:0}
  .hero-grid,.split,.contact-grid{grid-template-columns:1fr}
  .split.reverse .split-media{order:0}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3,.steps{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  body{font-size:17px}
  .brand-logo{height:48px}
  .brand-name b{font-size:.9rem}
  .brand-name .sub{font-size:.74rem}
  .section{padding:60px 0}
  .grid-2,.grid-4{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr}
  .ctaband{padding:32px 22px}
  .hero{padding:64px 0 0}
}
@media(prefers-reduced-motion:reduce){
  *{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .marquee-track{animation:none}
}

/* === Asset integration === */
.hero-photo{position:relative;overflow:hidden;padding:0;background:#cfe6ea}
.hero-photo .hero-bg{position:absolute;inset:0;background-image:url("../img/img-0f44771301.jpg");background-size:120% auto;background-position:17% 32%;z-index:0}
.hero-photo::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(105deg,var(--ivory) 0%,rgba(248,244,238,.97) 27%,rgba(248,244,238,.74) 47%,rgba(248,244,238,.22) 70%,rgba(248,244,238,0) 90%)}
.hero-inner{position:relative;z-index:2;display:flex;align-items:center;min-height:548px;padding-top:92px;padding-bottom:78px}
.hero-text{max-width:600px}
.ag-card{text-align:center;align-items:center}
.ag-photo-lg{width:154px;height:154px;border-radius:50%;object-fit:cover;object-position:center top;border:4px solid var(--white);box-shadow:var(--shadow-lift);margin:0 auto 16px}
.ag-card .role{color:var(--charcoal);font-size:.96rem}
.ag-card .lic{color:var(--indigo);font-weight:600;font-size:.85rem;margin:.15rem 0 .7rem}
.ag-card p{margin-bottom:1rem}
.avatar.has-photo{padding:0;overflow:hidden;background:none}
.avatar.has-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
.agentcard .top .avatar.has-photo{width:56px;height:56px}
.about-photo{width:100%;height:460px;object-fit:cover;object-position:center 22%;border-radius:var(--radius-lg);box-shadow:var(--shadow-lift);display:block}
.chip.logo{background:var(--white);display:flex;align-items:center;justify-content:center;padding:.5rem 1.15rem;height:66px}
.chip.logo img{height:34px;width:auto;max-width:180px;object-fit:contain;display:block}
@media(max-width:760px){
  .hero-photo::before{background:linear-gradient(180deg,rgba(248,244,238,.98) 0%,rgba(248,244,238,.9) 50%,rgba(248,244,238,.74) 100%)}
  .hero-photo .hero-bg{background-size:cover;background-position:center 28%}
  .hero-inner{min-height:auto;padding-top:52px;padding-bottom:40px}
}

.why-grid{text-align:center}
.why-col{padding:8px 14px}
.why-col .ico{margin:0 auto 14px;display:flex;align-items:center;justify-content:center}
.why-col h3{margin:0 0 .4rem}
.why-col p{color:var(--charcoal);max-width:30ch;margin:0 auto}
@media(max-width:760px){.why-col{padding:14px}}

.people-first .pf-card{max-width:760px;margin:0 auto;text-align:center;background:var(--ivory);border:1px solid rgba(36,90,135,.10);border-radius:18px;padding:56px 40px;box-shadow:0 10px 30px rgba(36,90,135,.06)}
.pf-head{font-size:clamp(2rem,4vw,2.9rem);margin:0 0 .5rem;color:var(--indigo)}
.pf-head em{font-style:italic;color:var(--aqua)}
.pf-body{font-size:1.15rem;line-height:1.7;color:var(--charcoal);max-width:52ch;margin:0 auto 1.1rem}
.pf-sign{font-family:var(--font-head);font-style:italic;font-size:1.2rem;color:var(--indigo)}
@media(max-width:760px){.people-first .pf-card{padding:40px 22px}}

/* hero script accent */
.hero-text h1 .script{display:block;white-space:nowrap;font-family:var(--font-script);font-style:normal;color:var(--aqua);font-weight:700;font-size:1.04em;line-height:1.05;margin-top:.06em}
/* photo tiles */
.tile-photo{padding:0;overflow:hidden}
.tile-photo .tile-ph{height:150px;background-size:cover;background-position:center;background-color:var(--seafoam)}
.tile-photo .tile-body{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1;position:relative}
.tile-photo .ico-badge{width:46px;height:46px;border-radius:50%;background:var(--indigo);color:#fff;margin:-46px 0 14px;border:3px solid var(--white);box-shadow:0 4px 10px rgba(36,90,135,.18)}
.tile-photo h3{margin:.1rem 0 .4rem}
/* why-choose beach band */
.why-band{position:relative;overflow:hidden}
.why-band .why-band-bg{position:absolute;inset:0;background:var(--seafoam-tint);z-index:0}
.why-band .why-band-bg::after{content:none}
.why-band-inner{position:relative;z-index:1}
.why-title{color:var(--indigo);margin:0}
.why-flourish{margin-top:8px}
.why-grid{text-align:center}
.why-col{padding:10px 16px}
.why-col .ico-why{width:auto;height:auto;border-radius:0;background:none;border:0;color:var(--indigo);margin:0 auto 14px}
.ico-why svg{width:40px;height:40px;stroke-width:1.6}
.why-col h3{margin:0 0 .4rem;color:var(--indigo)}
.why-col p{color:var(--charcoal);max-width:30ch;margin:0 auto}
/* people first split */
.people-first .pf-card.pf-split{max-width:1080px;display:grid;grid-template-columns:0.92fr 1.08fr;gap:0;text-align:left;padding:0;overflow:hidden}
.pf-split .pf-text{padding:50px 44px}
.pf-split .pf-photo{min-height:430px;background-size:cover;background-position:center 30%;background-color:var(--seafoam)}
.pf-head .script{display:block;white-space:nowrap;font-family:var(--font-script);font-style:normal;color:var(--aqua);font-weight:700;font-size:1.18em;line-height:1.05;margin-top:.04em}
@media(max-width:760px){
  .grid-4{grid-template-columns:1fr}
  .why-col{padding:16px}
  .people-first .pf-card.pf-split{grid-template-columns:1fr}
  .pf-split .pf-text{padding:34px 22px}
  .pf-split .pf-photo{min-height:240px;order:2}
}


.why-grid .why-col{position:relative}
.why-grid .why-col + .why-col::before{content:"";position:absolute;left:0;top:6px;bottom:6px;width:1px;background:rgba(36,90,135,.18)}
@media(max-width:760px){.why-grid .why-col + .why-col::before{display:none}}

/* Medicare Basics two-column layout */
.mb-grid{display:grid;grid-template-columns:1.55fr 1fr;gap:40px;align-items:start}
.mb-main h2{margin:0 0 .7rem}
.mb-main h2.mb-sub{margin:2.4rem 0 .7rem}
.mb-main p{color:var(--charcoal)}
.mb-callout{display:flex;gap:14px;background:var(--seafoam-tint);border:1px solid rgba(36,90,135,.14);border-radius:14px;padding:18px 20px;margin:22px 0 6px;color:var(--charcoal)}
.mb-callout .ci{flex:0 0 auto;color:var(--indigo);margin-top:2px}
.mb-parts{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:18px}
.mb-part{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:18px 16px;box-shadow:var(--shadow);text-align:center}
.mb-part .ico{width:46px;height:46px;border-radius:12px;background:var(--seafoam-tint);color:var(--indigo);display:grid;place-items:center;margin:0 auto 12px}
.mb-part h4{margin:0;color:var(--indigo);font-family:var(--font-display);font-size:1.12rem}
.mb-part .pt-sub{font-weight:600;color:var(--charcoal);font-size:.82rem;margin:2px 0 8px}
.mb-part p{font-size:.85rem;line-height:1.5;margin:0}
.mb-help{margin-top:26px;display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:16px;overflow:hidden;border:1px solid var(--line);background:var(--ivory)}
.mb-help .mb-help-photo{min-height:210px;background-size:cover;background-position:center;background-color:var(--seafoam)}
.mb-help .mb-help-body{padding:26px 28px;display:flex;flex-direction:column;justify-content:center}
.mb-help .mb-help-ic{color:var(--aqua);margin-bottom:8px}
.mb-help h3{margin:0 0 .5rem}
.mb-help p{font-size:.92rem;margin:0 0 16px}
/* costs sidebar */
.mb-aside{position:sticky;top:96px}
.mb-aside .costs-head{background:var(--seafoam-tint);border:1px solid rgba(36,90,135,.14);border-radius:14px;padding:16px 20px;margin-bottom:14px}
.mb-aside .costs-head h2{margin:0;font-size:1.35rem;color:var(--indigo)}
.cost-card{display:flex;gap:14px;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:16px 18px;box-shadow:var(--shadow);margin-bottom:12px}
.cost-card .cc-ic{flex:0 0 42px;width:42px;height:42px;border-radius:50%;background:var(--seafoam-tint);color:var(--indigo);display:grid;place-items:center}
.cost-card h4{margin:0 0 4px;color:var(--indigo);font-size:1rem}
.cost-card p{margin:0;color:var(--charcoal);font-size:.86rem;line-height:1.5}
.cost-card .big{font-weight:700;color:var(--charcoal)}
.cost-card ul{margin:6px 0 0;padding-left:1.05rem}
.cost-card li{font-size:.84rem;color:var(--charcoal);margin:2px 0}
.mb-source{font-size:.78rem;color:var(--charcoal);opacity:.8;margin-top:4px}
@media(max-width:980px){
  .mb-grid{grid-template-columns:1fr;gap:30px}
  .mb-aside{position:static}
  .mb-parts{grid-template-columns:1fr 1fr}
  .mb-help{grid-template-columns:1fr}
  .mb-help .mb-help-photo{order:2;min-height:180px}
}
@media(max-width:520px){.mb-parts{grid-template-columns:1fr}}


/* Plan Information page */
.pi-banner-sub{font-family:var(--font-script);color:var(--aqua);font-weight:600;font-size:1.5rem;margin:.1rem 0 .2rem;line-height:1.1}
.pi-section h2{margin:0 0 .8rem}
.pi-lead{color:var(--charcoal);max-width:70ch}
.partc-head{display:flex;align-items:center;gap:14px;margin-bottom:10px}
.partc-head .ico{width:52px;height:52px;border-radius:14px;background:var(--seafoam-tint);color:var(--indigo);display:grid;place-items:center;flex:0 0 auto}
.partc-head h2{margin:0}
.matypes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:18px 0 8px}
.matype{text-align:center;padding:14px 10px}
.matype .ico{width:64px;height:64px;border-radius:50%;background:var(--seafoam-tint);color:var(--indigo);display:grid;place-items:center;margin:0 auto 12px}
.matype h4{margin:0;color:var(--indigo);font-size:.95rem;line-height:1.3}
.matype p{margin:.5rem 0 0;font-size:.85rem;line-height:1.5;color:var(--charcoal)}
.pi-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:8px}
.pi-card{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.pi-card .pi-photo{height:150px;background-size:cover;background-position:center;background-color:var(--seafoam)}
.pi-card .pi-body{padding:20px 20px 22px}
.pi-card .pi-ic{width:46px;height:46px;border-radius:50%;background:var(--seafoam-tint);color:var(--indigo);display:grid;place-items:center;margin:-44px 0 12px;border:3px solid var(--white);position:relative}
.pi-card h3{margin:.1rem 0 .6rem;color:var(--indigo);font-size:1.08rem}
.ck-list{list-style:none;margin:0;padding:0}
.ck-list li{position:relative;padding-left:1.7rem;margin:.45rem 0;color:var(--charcoal);font-size:.92rem;line-height:1.5}
.ck-list li::before{content:"";position:absolute;left:0;top:.36em;width:15px;height:15px;border-radius:50%;background:var(--aqua)}
.ck-list li::after{content:"";position:absolute;left:4.5px;top:.6em;width:6px;height:3px;border-left:1.7px solid #fff;border-bottom:1.7px solid #fff;transform:rotate(-45deg)}
.enroll-box{background:var(--seafoam-tint);border:1px solid rgba(36,90,135,.16);border-radius:16px;padding:24px 26px}
.enroll-box .eb-head{display:flex;align-items:center;gap:10px;color:var(--indigo);margin-bottom:14px}
.enroll-box .eb-head h3{margin:0}
.enroll-item{margin:0 0 14px;padding-left:1.7rem;position:relative}
.enroll-item::before{content:"\2713";position:absolute;left:0;top:0;color:var(--aqua);font-weight:700}
.enroll-item h4{margin:0 0 2px;color:var(--indigo);font-size:.98rem}
.enroll-item p{margin:0;color:var(--charcoal);font-size:.88rem;line-height:1.5}
/* Medigap comparison chart */
.gap-intro{display:flex;align-items:flex-start;gap:14px;margin-bottom:8px}
.gap-intro .ico{color:var(--indigo);flex:0 0 auto}
.gap-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:14px;margin-top:14px}
table.gap{border-collapse:collapse;width:100%;min-width:760px;font-size:.84rem}
table.gap th,table.gap td{padding:9px 8px;text-align:center;border-bottom:1px solid var(--line)}
table.gap thead th{background:var(--indigo);color:#fff;font-weight:600;border-bottom:0}
table.gap thead th:first-child{text-align:left}
table.gap tbody td:first-child{text-align:left;color:var(--charcoal);font-weight:500;white-space:normal;min-width:230px}
table.gap tbody tr:nth-child(even){background:rgba(191,228,221,.16)}
table.gap .yes{color:var(--aqua);font-weight:700}
table.gap .no{color:#9aa6b0}
table.gap .pct{color:var(--charcoal);font-weight:600}
table.gap .na{color:#9aa6b0;font-size:.8rem}
.gap-legend{display:flex;flex-wrap:wrap;gap:18px;margin-top:12px;font-size:.82rem;color:var(--charcoal)}
.gap-legend .yes{color:var(--aqua);font-weight:700}
.gap-notes{font-size:.78rem;color:var(--charcoal);opacity:.85;margin-top:12px;line-height:1.55}
@media(max-width:980px){.matypes{grid-template-columns:1fr 1fr}.pi-3{grid-template-columns:1fr}}
@media(max-width:560px){.matypes{grid-template-columns:1fr 1fr}}


/* Plan Info: two-column content + plan pills + section heads with sub */
.pi-2col{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:start}
.partc-head{align-items:flex-start}
.partc-head .pi-banner-sub{margin-top:2px}
.plan-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.plan-pills .pp{display:inline-block;background:var(--seafoam-tint);color:var(--indigo-dark);border:1px solid rgba(36,90,135,.16);border-radius:999px;padding:.3rem .7rem;font-size:.82rem;font-weight:600}
@media(max-width:820px){.pi-2col{grid-template-columns:1fr;gap:22px}}


/* Individual & Group page */
.ig-hero{position:relative;overflow:hidden;background:#F8F4EE}
.ig-hero .ig-bg{position:absolute;inset:0;background-size:cover;background-position:50% 15%;z-index:0}
.ig-hero::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,#F8F4EE 0%,rgba(248,244,238,.99) 30%,rgba(248,244,238,.9) 44%,rgba(248,244,238,.45) 56%,rgba(248,244,238,0) 68%)}
.ig-hero .wrap{position:relative;z-index:2}
.ig-hero-inner{max-width:44ch;padding:60px 0 78px}
.ig-hero-inner .eyebrow{margin-bottom:6px}
.ig-hero-inner h1{margin:.1rem 0 .2rem}
.ig-hero-inner .ig-script{font-family:var(--font-script);color:var(--aqua);font-weight:600;font-size:1.7rem;line-height:1.1;display:block;margin-bottom:.7rem}
.ig-hero-inner p{color:var(--charcoal)}
.ig-hero-wave{position:absolute;left:0;right:0;bottom:-1px;z-index:2;line-height:0}
.ig-hero-wave svg{display:block;width:100%;height:64px}
.ig-2{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.ig-box{background:var(--white);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:30px 30px 32px;display:flex;flex-direction:column}
.ig-head{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.ig-head .ig-bighead-ico{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;flex:0 0 auto}
.ig-head.aqua .ig-bighead-ico{background:var(--seafoam-tint);color:var(--aqua)}
.ig-head.indigo .ig-bighead-ico{background:var(--seafoam-tint);color:var(--indigo)}
.ig-head h2{margin:0;font-size:1.5rem;color:var(--indigo);line-height:1.15}
.ig-head .ig-sub{display:block;font-family:var(--font-script);font-weight:600;font-size:1.2rem;line-height:1.2;margin-top:2px}
.ig-head.aqua .ig-sub{color:var(--aqua)}
.ig-head.indigo .ig-sub{color:var(--indigo)}
.ig-intro{color:var(--charcoal);margin:0 0 6px;padding-bottom:14px;border-bottom:1px solid var(--line)}
.ig-item{display:flex;gap:14px;align-items:flex-start;margin:18px 0}
.ig-item .ig-ico{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;flex:0 0 auto}
.ig-item .ig-ico.aqua{background:var(--seafoam-tint);color:var(--aqua)}
.ig-item .ig-ico.indigo{background:var(--seafoam-tint);color:var(--indigo)}
.ig-item h4{margin:0 0 3px;color:var(--indigo);font-size:1.04rem}
.ig-item p{margin:0;color:var(--charcoal);font-size:.9rem;line-height:1.55}
.ig-btn{display:block;text-align:center;margin-top:auto;text-decoration:none;font-weight:700;letter-spacing:.02em;border-radius:999px;padding:14px 18px;font-size:.92rem;text-transform:uppercase}
.ig-btn.aqua{background:var(--aqua);color:var(--indigo-dark)}
.ig-btn.indigo{background:var(--indigo);color:#fff}
.ig-btn:hover{filter:brightness(1.05)}
@media(max-width:900px){
  .ig-2{grid-template-columns:1fr}
  .ig-hero .ig-bg{background-position:50% 18%}
  .ig-hero-inner{max-width:none;padding:46px 0 64px}
}
/* Medicare Resources page */
.res-hero{position:relative;overflow:hidden;background:#F8F4EE}
.res-hero .rh-bg{position:absolute;top:0;left:0;right:0;bottom:0;background-size:cover;background-position:center center;z-index:0}
.res-hero::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(248,244,238,.92) 0%,rgba(248,244,238,.8) 22%,rgba(248,244,238,.45) 38%,rgba(248,244,238,.08) 52%,rgba(248,244,238,0) 62%)}
.res-hero .wrap{position:relative;z-index:2}
.res-hero-grid{display:grid;grid-template-columns:1.2fr .62fr;gap:48px;align-items:center;padding:54px 0 64px}
.res-hero-wave{position:absolute;left:0;right:0;bottom:-1px;z-index:2;line-height:0}
.res-hero-wave svg{display:block;width:100%;height:64px}
.res-intro .eyebrow{margin-bottom:6px}
.res-intro h1{margin:.1rem 0 .2rem}
.res-intro .rh-script{font-family:var(--font-script);color:var(--aqua);font-weight:600;font-size:1.7rem;line-height:1.1;display:block;margin-bottom:.6rem}
.res-intro p{color:var(--charcoal);max-width:40ch}
/* lead form card */
.guide-card{position:relative;z-index:3;background:rgba(36,90,135,.72);backdrop-filter:blur(2px);-webkit-backdrop-filter:blur(3px);color:#fff;border-radius:18px;padding:26px 24px;box-shadow:0 16px 36px rgba(36,90,135,.28)}
.guide-card h3{margin:0 0 6px;color:#fff;text-align:center;font-size:1.25rem}
.guide-card .gc-sub{font-size:.9rem;color:rgba(255,255,255,.85);text-align:center;margin:0 0 16px}
.guide-card label{display:block;font-size:.8rem;font-weight:600;margin:10px 0 4px;color:rgba(255,255,255,.92)}
.guide-card input{width:100%;border:0;border-radius:9px;padding:11px 12px;font-size:.95rem;font-family:inherit;background:#fff;color:var(--charcoal)}
.guide-card .gc-disc{font-size:.76rem;color:rgba(255,255,255,.8);margin:14px 0 0;line-height:1.5}
.guide-card .gc-btn{width:100%;margin-top:14px;background:var(--aqua);color:var(--indigo-dark);border:0;border-radius:999px;padding:13px;font-weight:700;font-size:.98rem;font-family:inherit;cursor:pointer;letter-spacing:.02em}
.guide-card .gc-btn:hover{filter:brightness(1.05)}
.guidebook{margin-top:16px;text-align:center}
.guidebook img{display:block;width:100%;max-width:250px;margin:4px auto 0;border-radius:6px}
/* two-up info cards */
.res-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.res-block{background:var(--white);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:24px 24px 26px}
.res-block .rb-head{display:flex;align-items:center;gap:10px;color:var(--indigo);margin-bottom:12px}
.res-block .rb-head .ico{width:42px;height:42px;border-radius:50%;background:var(--seafoam-tint);display:grid;place-items:center;flex:0 0 auto}
.res-block .rb-head h2{margin:0;font-size:1.3rem}
.res-block h4{color:var(--indigo);margin:1rem 0 .4rem;font-size:1rem}
.res-block .rb-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.res-mini{display:flex;gap:10px;align-items:flex-start;margin:.7rem 0}
.res-mini .ico{width:38px;height:38px;border-radius:10px;background:var(--seafoam-tint);color:var(--indigo);display:grid;place-items:center;flex:0 0 auto}
.res-mini h4{margin:0 0 2px}
.res-mini p{margin:0;font-size:.86rem;color:var(--charcoal);line-height:1.5}
/* enrollment timeline */
.tl{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:start;gap:0;margin-top:8px}
.tl-card{background:var(--white);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:20px}
.tl-card .ico{color:var(--indigo);margin-bottom:8px}
.tl-card h3{margin:0;color:var(--indigo);font-size:1.05rem}
.tl-card .tl-sub{font-weight:600;color:var(--charcoal);font-size:.85rem;margin:2px 0 8px}
.tl-arrow{display:flex;align-items:center;justify-content:center;color:var(--aqua);padding:0 10px;align-self:center}
/* learning center grid */
.lc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.lc-tile{display:flex;flex-direction:column;align-items:center;text-align:center;gap:8px;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:20px 12px;box-shadow:var(--shadow);text-decoration:none;color:var(--indigo);transition:transform .15s,box-shadow .15s}
.lc-tile:hover{transform:translateY(-2px);box-shadow:0 12px 24px rgba(36,90,135,.12)}
.lc-tile .ico{width:46px;height:46px;border-radius:50%;background:var(--seafoam-tint);color:var(--indigo);display:grid;place-items:center}
.lc-tile span{font-size:.86rem;font-weight:600;line-height:1.3}
/* Resources: CMS videos (2 per row) */
.vid-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.vid{margin:0}
.vid-frame{position:relative;width:100%;padding-top:56.25%;border-radius:16px;overflow:hidden;box-shadow:var(--shadow-lift);background:#000;border:1px solid var(--line)}
.vid-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.vid figcaption{margin-top:12px;text-align:center;font-family:var(--font-display);font-size:1.1rem;color:var(--indigo);line-height:1.3}
/* Resources: newsletter accordion */
.nl-accordion{max-width:760px;margin:0 auto}
.nl-year{background:var(--white);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);margin-bottom:14px;overflow:hidden}
.nl-year>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;padding:18px 22px;font-family:var(--font-display);font-size:1.25rem;color:var(--indigo);font-weight:600}
.nl-year>summary::-webkit-details-marker{display:none}
.nl-year>summary .chev{transition:transform .2s;color:var(--aqua);flex:0 0 auto}
.nl-year[open]>summary .chev{transform:rotate(180deg)}
.nl-list{list-style:none;margin:0;padding:0 12px 12px}
.nl-item{width:100%;display:flex;align-items:center;justify-content:space-between;gap:12px;background:var(--seafoam-tint);border:1px solid var(--line);border-radius:10px;padding:13px 16px;font-family:inherit;font-size:1rem;color:var(--indigo);font-weight:600;cursor:pointer;text-align:left;margin-top:8px;transition:background .15s}
.nl-item:hover{background:var(--seafoam)}
.nl-item .nl-open{display:inline-flex;align-items:center;gap:6px;font-size:.82rem;color:var(--aqua);font-weight:700;text-transform:uppercase;letter-spacing:.04em;flex:0 0 auto}
/* Resources: documents & forms */
.doc-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;max-width:860px;margin:0 auto}
.doc-card{display:flex;align-items:center;gap:16px;background:var(--white);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:22px 24px;text-align:left;cursor:pointer;text-decoration:none;color:var(--ink);font-family:inherit;transition:transform .15s,box-shadow .15s;width:100%}
.doc-card:hover{transform:translateY(-2px);box-shadow:0 12px 24px rgba(36,90,135,.12)}
.doc-card .doc-ico{width:48px;height:48px;border-radius:12px;background:var(--seafoam-tint);color:var(--indigo);display:grid;place-items:center;flex:0 0 auto}
.doc-card .doc-t{font-family:var(--font-display);font-size:1.1rem;color:var(--indigo);font-weight:600;line-height:1.25}
.doc-card .doc-s{font-size:.82rem;color:var(--charcoal);margin-top:2px}
.doc-card.is-disabled{opacity:.6;cursor:default;pointer-events:none}
@media(max-width:760px){.vid-grid,.doc-grid{grid-template-columns:1fr}}
@media(max-width:980px){
  .res-hero .rh-bg{height:230px;background-position:50% 24%}
  .res-hero::before{display:none}
  .res-hero-wave{top:166px;bottom:auto}
  .res-hero-grid{grid-template-columns:1fr;gap:24px;padding:252px 0 76px;align-items:start}
  .res-2{grid-template-columns:1fr}
  .res-block .rb-2{grid-template-columns:1fr}
  .tl{grid-template-columns:1fr}
  .tl-arrow{transform:rotate(90deg);padding:8px 0}
  .lc-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:520px){.lc-grid{grid-template-columns:1fr 1fr}}




/* ============================================================
   Added in the WordPress conversion.
   The prototype's contact form was replaced by a real handler
   ([scg_contact_form]); these rules style that markup plus the
   404 and disabled-document states. Tokens only — no new colors.
   ============================================================ */

.contact-form{margin-top:26px}
.contact-form .field{display:grid;gap:7px;margin:0 0 16px}
.contact-form .field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:640px){.contact-form .field-row{grid-template-columns:1fr}}
.contact-form label{font-family:var(--font-body);font-weight:600;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;color:var(--charcoal)}
.contact-form input,
.contact-form select,
.contact-form textarea{width:100%;font-family:var(--font-body);font-size:1rem;color:var(--ink);background:var(--white);border:1px solid var(--line);border-radius:calc(var(--radius) - 6px);padding:12px 14px}
.contact-form input:focus-visible,
.contact-form select:focus-visible,
.contact-form textarea:focus-visible{outline:2px solid var(--aqua);outline-offset:2px;border-color:var(--aqua)}
.contact-form textarea{resize:vertical;min-height:120px}
.contact-form .form-actions{margin:22px 0 0}
.contact-form .form-note{margin-top:14px;font-size:.85rem;color:var(--charcoal)}

/* Honeypot — positioned off-screen rather than display:none so bots still fill it. */
.contact-form .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.notice-success,
.notice-error{border-radius:var(--radius);padding:18px 20px;margin-bottom:24px;border:1px solid var(--line)}
.notice-success{background:var(--seafoam-tint);border-color:var(--seafoam)}
.notice-error{background:var(--ivory);border-color:rgba(74,85,96,.3)}
.notice-success strong,
.notice-error strong{display:block;font-family:var(--font-display);font-size:1.1rem;color:var(--indigo-dark);margin-bottom:4px}
.notice-success p,
.notice-error p{margin:0;color:var(--charcoal)}

/* Documents that have not been supplied yet. */
.is-unavailable{opacity:.55;pointer-events:none}

/* 404 */
.narrow{max-width:720px}
.linklist{list-style:none;margin:22px 0 0;padding:0;display:grid;gap:10px}
.linklist a{font-family:var(--font-display);font-size:1.15rem}

/* Footer section headings were <h4> after content <h2>, which skips a heading
   level on every page. Promoted to <h2>; these rules carry the original
   .foot-col h4 appearance across unchanged. */
.foot-col h2.foot-h{color:#fff;font-family:var(--font-body);font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;margin:0 0 14px}

/* ---- WCAG 2.1 AA remediation ---- */

/* indigo-dark text on the aqua button ground measured 4.19:1, under the 4.5:1
   bar for normal-size text. #0c3a45 is the deeper teal the theme already uses
   on .btn-aqua and measures 5.14:1 — a fix in the existing palette, not a new
   color. */
.ig-btn.aqua,
.guide-card .gc-btn{color:#0c3a45}

/* Screen-reader-only text. Used to append "(opens in a new tab)" to external
   links so the warning reaches the accessible name without altering the visual
   design. Avoids display:none, which would remove it from the a11y tree. */
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---- Photo hero: soften the left edge of the image ----
   The image block starts at left:42% and was cut off with a hard vertical
   edge. The overlay gradient did not begin fading until 48%, so at the cut
   itself the wash was still near-opaque and the seam read as a visible line.

   Two changes, neither of which alters the crop or composition:
   1. mask-image dissolves the image's own left edge instead of slicing it, so
      there is no hard boundary left to show through.
   2. the overlay ramp starts earlier and ends later, turning a ~22% fade into
      a ~42% one.
   left:42% and background-position are deliberately untouched — moving them
   would re-crop the photo under background-size:cover. */
@media(min-width:761px){
  .phero-photo .ph-bg{
    -webkit-mask-image:linear-gradient(90deg,transparent 0,rgba(0,0,0,.5) 11%,#000 27%);
            mask-image:linear-gradient(90deg,transparent 0,rgba(0,0,0,.5) 11%,#000 27%);
  }
  .phero-photo::before{
    background:linear-gradient(90deg,
      #F8F4EE 0%,
      #F8F4EE 32%,
      rgba(248,244,238,.92) 42%,
      rgba(248,244,238,.62) 52%,
      rgba(248,244,238,.28) 63%,
      rgba(248,244,238,0) 74%);
  }
}