/* ==================================================================
   Layla Saker — Health Insurance
   Hanken Grotesk. Warm off-white paper, deep navy, one green.
   Rules and borders instead of shadows. Photography carries the page.
================================================================== */
:root {
  --navy: #0E1F3D;
  --navy-2: #16294F;
  --ink: #121A2B;
  --text: #3A4255;
  --muted: #6B7383;
  --green: #1A9E5C;
  --green-d: #157F4A;
  --green-t: #E8F5EE;
  --bg: #FFFFFF;
  --paper: #F6F5F1;
  --paper-2: #ECEBE5;
  --line: #E2E0D8;
  --line-2: #CFCDC4;
  --red: #C8321F;
  --amber: #D9920B;
  --r-xs: 4px; --r-sm: 6px; --r: 10px; --r-lg: 14px;
  --font: "Hanken Grotesk", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --container: 1180px;
  --ease: cubic-bezier(.2,.7,.2,1);
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; } }
body { margin: 0; font-family: var(--font); font-size: 17px; line-height: 1.55; color: var(--text); background: var(--bg); -webkit-font-smoothing: antialiased; font-feature-settings: "ss01" 0; }
img, svg { display: block; max-width: 100%; }
h1, h2, h3, h4 { margin: 0; color: var(--ink); font-weight: 600; letter-spacing: -0.015em; line-height: 1.15; }
h1 { font-size: clamp(2.4rem, 4.4vw, 3.6rem); letter-spacing: -0.025em; line-height: 1.06; }
h2 { font-size: clamp(1.7rem, 2.6vw, 2.2rem); letter-spacing: -0.02em; }
h3 { font-size: 1.15rem; }
p { margin: 0; }
p + p { margin-top: .9em; }
a { color: var(--green-d); text-decoration: none; }
a:hover { text-decoration: underline; }
button { font: inherit; }
strong { font-weight: 600; }
em { font-style: normal; }
.container { width: min(var(--container), 100% - 3rem); margin-inline: auto; }
.is-hidden { display: none !important; }
[hidden] { display: none !important; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: .5rem 1rem; border-radius: var(--r-sm); z-index: 100; }
.skip:focus { left: 8px; }
:focus-visible { outline: 2px solid var(--navy); outline-offset: 3px; border-radius: 3px; }

.muted { color: var(--muted); }
.section { padding: clamp(3.75rem, 7vw, 6rem) 0; }
.section--paper { background: var(--paper); }
.section--dark { background: var(--navy); color: rgba(255,255,255,.8); }
.section--dark h2, .section--dark h3 { color: #fff; }

/* two-column section intro: heading left, short paragraph right */
.split { display: grid; grid-template-columns: 1fr; gap: 2.5rem; }
.split__head { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: 2rem 4rem; align-items: end; padding-bottom: 1.75rem; border-bottom: 1px solid var(--line-2); }
.split__head p { color: var(--muted); font-size: 1.02rem; max-width: 52ch; }
.split__head--wide { margin-bottom: 2.25rem; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5rem; padding: .8rem 1.25rem; border-radius: var(--r-sm); background: var(--navy); color: #fff; font-weight: 600; font-size: .98rem; border: 1px solid var(--navy); cursor: pointer; text-decoration: none; transition: background .15s, border-color .15s; white-space: nowrap; line-height: 1.2; }
.btn:hover { background: var(--navy-2); text-decoration: none; }
.btn--lg { padding: 1rem 1.5rem; font-size: 1.05rem; }
.btn--sm { padding: .6rem 1rem; font-size: .92rem; }
.btn--block { width: 100%; }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--line-2); }
.btn--ghost:hover { background: var(--paper); border-color: var(--navy); }
.btn--ghost-dark { background: #fff; color: var(--navy); border-color: var(--line-2); }
.btn--ghost-dark:hover { background: var(--paper); border-color: var(--navy); }
.section--dark .btn { background: var(--green); border-color: var(--green); }
.section--dark .btn:hover { background: var(--green-d); border-color: var(--green-d); }
.section--dark .btn--ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.3); }
.link-btn { background: none; border: 0; padding: 0; color: var(--navy); font-weight: 600; cursor: pointer; display: inline-flex; align-items: center; gap: .4rem; border-bottom: 1px solid var(--line-2); }
.link-btn:hover { border-color: var(--navy); }

/* ---------- announce ---------- */
.announce { background: var(--navy); color: rgba(255,255,255,.85); font-size: .88rem; }
.announce__inner { display: flex; align-items: center; justify-content: center; gap: 1rem; padding: .5rem 0; text-align: center; flex-wrap: wrap; }
.announce a { color: #fff; font-weight: 600; text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(255,255,255,.4); white-space: nowrap; }

/* ---------- nav ---------- */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.nav__inner { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 1rem; }
.brand { display: inline-flex; align-items: center; }
.brand__img { height: 38px; width: auto; }
.nav__links { display: flex; gap: 1.6rem; }
.nav__links a { color: var(--text); font-weight: 500; font-size: .95rem; }
.nav__links a:hover { color: var(--ink); text-decoration: none; }
.nav__right { display: flex; align-items: center; gap: 1.25rem; }
.nav__phone { color: var(--ink); font-weight: 600; font-size: .95rem; font-variant-numeric: tabular-nums; }
.nav__phone:hover { text-decoration: none; color: var(--green-d); }
.burger { display: none; width: 44px; height: 44px; border: 0; background: transparent; cursor: pointer; position: relative; }
.burger span { position: absolute; left: 11px; width: 22px; height: 2px; background: var(--ink); transition: transform .25s var(--ease), top .25s; }
.burger span:first-child { top: 17px; } .burger span:last-child { top: 25px; }
.burger[aria-expanded="true"] span:first-child { top: 21px; transform: rotate(45deg); }
.burger[aria-expanded="true"] span:last-child { top: 21px; transform: rotate(-45deg); }
.mobile-menu { display: none; }

/* ---------- hero ---------- */
.hero { background: var(--paper); border-bottom: 1px solid var(--line); }
.hero__inner { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: clamp(2.5rem, 5vw, 5rem); align-items: center; padding: clamp(3rem, 5.5vw, 4.5rem) 0 clamp(4.5rem, 7vw, 6rem); }
.hero__kicker { font-size: .92rem; font-weight: 500; color: var(--muted); margin-bottom: 1.25rem; }
.hero h1 { max-width: 15ch; }
.hero__lead { margin-top: 1.5rem; font-size: 1.12rem; line-height: 1.55; color: var(--text); max-width: 52ch; }
.hero__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1.25rem; margin-top: 2rem; }
.hero__call { color: var(--ink); font-weight: 500; font-size: 1rem; }
.hero__call span { font-weight: 600; text-decoration: underline; text-underline-offset: 3px; text-decoration-color: var(--line-2); }
.hero__call:hover { text-decoration: none; }
.hero__call:hover span { text-decoration-color: var(--ink); }
.hero__facts { list-style: none; margin: 2.5rem 0 0; padding: 1.25rem 0 0; display: flex; flex-wrap: wrap; gap: .5rem 2rem; border-top: 1px solid var(--line-2); font-size: .92rem; color: var(--muted); }
.hero__facts li { position: relative; }
.hero__facts li + li::before { content: ""; position: absolute; left: -1.1rem; top: .55em; width: 4px; height: 4px; border-radius: 50%; background: var(--line-2); }
.hero__media { position: relative; }
.hero__media img { width: 100%; height: auto; aspect-ratio: 9 / 10; object-fit: cover; border-radius: var(--r); }
.hero__note { position: absolute; right: -1.5rem; bottom: -1.75rem; width: min(300px, 84%); background: #fff; border: 1px solid var(--line); border-radius: var(--r-sm); padding: 1rem 1.1rem; box-shadow: 0 10px 30px rgba(18,26,43,.08); }
.hero__note-k { font-size: .76rem; font-weight: 600; color: var(--muted); margin-bottom: .6rem; }
.hero__note-row { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; padding: .5rem 0; border-top: 1px solid var(--line); font-size: .9rem; color: var(--text); }
.hero__note-row strong { font-size: 1.05rem; color: var(--ink); font-variant-numeric: tabular-nums; white-space: nowrap; }
.hero__note-row em { font-size: .78rem; color: var(--muted); font-weight: 500; }
.hero__note-row.is-pick { color: var(--ink); font-weight: 500; }
.hero__note-row.is-pick strong { color: var(--green-d); }
.hero__note-row.is-pick span::before { content: ""; display: inline-block; width: 7px; height: 7px; border-radius: 50%; background: var(--green); margin-right: .5rem; vertical-align: 1px; }
.hero__note-f { font-size: .72rem; color: var(--muted); margin-top: .5rem; }

/* ---------- carriers marquee ---------- */
.carriers { padding: 1.5rem 0 1.25rem; background: #fff; border-bottom: 1px solid var(--line); }
.carriers__inner { display: grid; grid-template-columns: 150px 1fr; align-items: center; gap: 1.5rem; }
.carriers__label { font-size: .78rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); border-right: 1px solid var(--line); padding: 1rem 0; }
.carriers__hint { font-size: .82rem; color: var(--muted); margin-top: .25rem; }
.marquee { overflow: hidden; position: relative; mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); }
.marquee__track { display: flex; width: max-content; gap: .5rem; animation: marquee 52s linear infinite; }
.marquee:hover .marquee__track, .marquee:focus-within .marquee__track { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }
.carrier { display: flex; align-items: center; justify-content: center; height: 64px; padding: 0 1.6rem; border-radius: var(--r-sm); background: transparent; border: 0; cursor: pointer; transition: background .2s; }
.carrier img { height: 30px; width: auto; max-width: 170px; object-fit: contain; filter: grayscale(1); opacity: .6; transition: filter .25s, opacity .25s; }
.carrier:hover, .carrier:focus-visible { background: var(--paper); }
.carrier:hover img, .carrier:focus-visible img { filter: none; opacity: 1; }
.carrier--nlg img { height: 32px; }
.carrier--cigna img { height: 36px; }

/* ---------- coverage rows ---------- */
.rows { display: grid; }
.row { display: grid; grid-template-columns: 56px minmax(0, 1fr) 190px 32px; gap: 1.5rem; align-items: center; text-align: left; width: 100%; padding: 1.5rem 0; background: none; border: 0; border-bottom: 1px solid var(--line); cursor: pointer; color: var(--text); transition: background .15s; }
.row:hover { background: linear-gradient(90deg, transparent, var(--paper) 10%, var(--paper) 90%, transparent); }
.row:hover h3 { color: var(--green-d); }
.row__n { font-size: .9rem; font-weight: 500; color: var(--muted); font-variant-numeric: tabular-nums; }
.row__main h3 { font-size: 1.25rem; transition: color .15s; }
.row__main p { color: var(--muted); margin-top: .35rem; max-width: 60ch; font-size: .98rem; }
.row__meta { font-size: .88rem; color: var(--muted); }
.row__chev { width: 32px; height: 32px; border-radius: 50%; border: 1px solid var(--line-2); position: relative; transition: border-color .15s, background .15s; }
.row__chev::after { content: ""; position: absolute; left: 11px; top: 11px; width: 8px; height: 8px; border-right: 1.5px solid var(--ink); border-bottom: 1.5px solid var(--ink); transform: rotate(-45deg); }
.row:hover .row__chev { background: var(--navy); border-color: var(--navy); }
.row:hover .row__chev::after { border-color: #fff; }

/* ---------- estimate tool ---------- */
.estimate { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.estimate__copy p { margin-top: 1.25rem; font-size: 1.05rem; }
.checks { list-style: none; padding: 0; margin: 1.5rem 0 0; display: grid; gap: .65rem; }
.checks li { padding-left: 1.6rem; position: relative; }
.checks li::before { content: ""; position: absolute; left: 0; top: .45em; width: 14px; height: 8px; border-left: 2px solid var(--green); border-bottom: 2px solid var(--green); transform: rotate(-45deg); }
.checks--sm { font-size: .92rem; gap: .5rem; }
.tool { background: #fff; color: var(--text); border: 1px solid var(--line); border-radius: var(--r); padding: 2rem; position: relative; overflow: hidden; }
.tool__progress { height: 3px; background: var(--paper-2); overflow: hidden; margin-bottom: 1.75rem; }
.tool__progress span { display: block; height: 100%; width: 25%; background: var(--green); transition: width .35s var(--ease); }
.tool__step { display: none; }
.tool__step.is-active { display: block; animation: fade .3s var(--ease); }
@keyframes fade { from { opacity: 0; transform: translateY(4px); } to { opacity: 1; transform: none; } }
.tool__q { font-size: 1.3rem; font-weight: 600; letter-spacing: -0.015em; color: var(--ink); line-height: 1.25; }
.tool__hint { color: var(--muted); font-size: .92rem; margin-top: .5rem; }
.chips { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: 1.25rem; }
.chip { border: 1px solid var(--line-2); background: #fff; border-radius: var(--r-sm); padding: .6rem 1rem; font-weight: 500; font-size: .93rem; color: var(--text); cursor: pointer; transition: all .15s; }
.chip:hover { border-color: var(--navy); color: var(--ink); }
.chip.is-selected { background: var(--navy); border-color: var(--navy); color: #fff; }
.tool__fields { display: grid; grid-template-columns: 1fr 1fr; gap: .9rem; margin-top: 1.25rem; }
.tool__fields label, .form label { display: flex; flex-direction: column; gap: .4rem; font-size: .86rem; font-weight: 500; color: var(--muted); }
.lbl .opt { font-weight: 400; color: var(--muted); }
input, select, textarea { font: inherit; font-size: 1rem; color: var(--ink); padding: .75rem .9rem; border: 1px solid var(--line-2); border-radius: var(--r-sm); background: #fff; width: 100%; transition: border-color .15s, box-shadow .15s; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(14,31,61,.1); }
.tool__err, .form__err { color: var(--red); font-size: .9rem; font-weight: 500; margin-top: .9rem; }
.tool__nav { display: flex; justify-content: flex-end; gap: .7rem; margin-top: 1.5rem; flex-wrap: wrap; }
.result__range { margin-top: .9rem; display: flex; align-items: baseline; gap: .1rem; font-weight: 600; font-size: clamp(2.1rem, 3.6vw, 2.8rem); letter-spacing: -0.03em; color: var(--ink); line-height: 1; flex-wrap: wrap; font-variant-numeric: tabular-nums; }
.result__dash { font-size: 1rem; font-weight: 500; color: var(--muted); margin: 0 .6rem; letter-spacing: 0; }
.result__per { font-size: 1rem; font-weight: 500; color: var(--muted); margin-left: .6rem; letter-spacing: 0; }
.result__who { color: var(--muted); font-size: .92rem; margin-top: .6rem; }
.result__lane { margin-top: 1.25rem; display: inline-flex; gap: .6rem; align-items: center; background: var(--green-t); color: var(--green-d); border-radius: var(--r-sm); padding: .45rem .9rem; font-size: .9rem; }
.result__lane span { font-weight: 500; opacity: .85; }
.result__note { margin-top: 1rem; color: var(--text); font-size: .97rem; }

/* ---------- scenarios ---------- */
.scen { display: grid; grid-template-columns: 300px minmax(0, 1fr); gap: 2.5rem; align-items: start; }
.scen__tabs { display: flex; flex-direction: column; border-top: 1px solid var(--line-2); }
.scen__tab { text-align: left; border: 0; border-bottom: 1px solid var(--line); background: none; padding: 1rem 2rem 1rem 0; font-weight: 500; font-size: 1.02rem; color: var(--muted); cursor: pointer; position: relative; transition: color .15s; }
.scen__tab:hover { color: var(--ink); }
.scen__tab[aria-selected="true"] { color: var(--ink); font-weight: 600; }
.scen__tab[aria-selected="true"]::after { content: ""; position: absolute; right: 0; top: 50%; width: 8px; height: 8px; border-right: 1.5px solid var(--ink); border-bottom: 1.5px solid var(--ink); transform: translateY(-50%) rotate(-45deg); }
.scen__panel { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 2.5rem; animation: fade .3s var(--ease); }
.scen__panel h3 { font-size: 1.45rem; letter-spacing: -0.02em; }
.scen__panel .scen__who { margin-top: .9rem; color: var(--text); }
.scen__panel .scen__plan { margin-top: .9rem; color: var(--muted); }
.scen__plan strong { color: var(--ink); }
.example { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-sm); padding: 1.25rem 1.4rem; }
.example__label { font-size: .74rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-bottom: .6rem; }
.example__row { display: grid; grid-template-columns: 1.1fr 1fr; gap: 1rem; padding: .65rem 0; border-top: 1px solid var(--line); font-size: .95rem; }
.example__row:first-of-type { border-top: 0; }
.example__row span:last-child { font-weight: 600; color: var(--ink); text-align: right; font-variant-numeric: tabular-nums; }
.example__row:last-of-type span:last-child { color: var(--green-d); }
.example__note { font-size: .8rem; color: var(--muted); margin-top: .75rem; }

/* ---------- process ---------- */
.process { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, .9fr); gap: clamp(2.5rem, 5vw, 5rem); align-items: start; }
.process__copy .muted { margin: 1rem 0 1.75rem; max-width: 48ch; }
.process__copy > .btn { margin-top: 1.75rem; }
.steps { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line-2); }
.step { border-bottom: 1px solid var(--line); }
.step__btn { width: 100%; display: grid; grid-template-columns: 2.5rem minmax(0, 1fr) auto; gap: 1rem; align-items: start; text-align: left; padding: 1.25rem 0; background: none; border: 0; cursor: pointer; color: var(--text); }
.step__n { font-weight: 500; font-size: .95rem; color: var(--muted); font-variant-numeric: tabular-nums; padding-top: .1rem; }
.step__btn h3 { font-size: 1.15rem; }
.step__btn p { color: var(--muted); font-size: .95rem; margin-top: .25rem; }
.step__chev { width: 24px; height: 24px; display: grid; place-items: center; transition: transform .25s var(--ease); color: var(--ink); margin-top: .1rem; }
.step[aria-expanded="true"] .step__chev { transform: rotate(180deg); }
.step__more { padding: 0 0 1.35rem 3.5rem; color: var(--text); font-size: .98rem; animation: fade .3s var(--ease); }
.process__media { margin: 0; }
.process__media img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--r); }
.process__media figcaption { margin-top: .85rem; font-size: .9rem; color: var(--muted); max-width: 48ch; }

/* ---------- vs table ---------- */
.vs { border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; background: #fff; }
.table { width: 100%; border-collapse: collapse; font-size: .96rem; }
.table th, .table td { padding: 1.05rem 1.25rem; text-align: left; vertical-align: top; border-top: 1px solid var(--line); }
.table thead th { border-top: 0; font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); font-weight: 600; padding-top: 1.15rem; background: var(--paper); }
.table tbody th { font-weight: 600; color: var(--ink); width: 22%; }
.table .is-me { background: var(--green-t); color: var(--ink); font-weight: 500; }
.table thead .is-me { color: var(--green-d); }
.yes { color: var(--green-d); font-weight: 600; } .no { color: var(--muted); }

/* ---------- licensed map ---------- */
.licensed { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.licensed__copy p { margin-top: 1.1rem; }
.facts { display: grid; gap: .85rem; margin: 1.75rem 0; padding: 0; }
.facts div { display: flex; justify-content: space-between; gap: 1rem; padding-bottom: .85rem; border-bottom: 1px solid var(--line-2); }
.facts dt { color: var(--muted); font-size: .92rem; }
.facts dd { margin: 0; font-weight: 600; color: var(--ink); text-align: right; font-variant-numeric: tabular-nums; }
.facts--row { grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.facts--row div { flex-direction: column; justify-content: flex-start; gap: .15rem; border-bottom: 0; border-left: 1px solid var(--line-2); padding: 0 0 0 .9rem; }
.facts--row dd { text-align: left; }
.map { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 1.25rem; }
.map svg { width: 100%; height: auto; }
.map path { stroke: #fff; stroke-width: 1; transition: fill .15s; }
.map path:not([data-state]) { fill: none; stroke: #fff; stroke-width: 1.2; pointer-events: none; }
.map path.is-off { fill: var(--paper-2); }
.map path.is-lic { fill: var(--green); cursor: pointer; }
.map path.is-lic:hover, .map path.is-lic.is-active { fill: var(--green-d); }
.map path.is-home { fill: var(--navy); }
.map path.is-home:hover, .map path.is-home.is-active { fill: var(--navy-2); }
.map__tip { position: absolute; transform: translate(-50%, calc(-100% - 12px)); background: var(--navy); color: #fff; padding: .55rem .8rem; border-radius: var(--r-sm); font-size: .82rem; pointer-events: none; white-space: nowrap; z-index: 2; }
.map__tip strong { display: block; font-weight: 600; }
.map__tip span { color: rgba(255,255,255,.7); }
.map__legend { display: flex; gap: 1.25rem; flex-wrap: wrap; justify-content: center; margin-top: 1rem; font-size: .85rem; color: var(--muted); }
.map__legend span { display: inline-flex; align-items: center; gap: .45rem; }
.sw { width: 12px; height: 12px; border-radius: 2px; display: inline-block; }
.sw--home { background: var(--navy); } .sw--lic { background: var(--green); } .sw--no { background: var(--paper-2); }

/* ---------- about ---------- */
.about { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.about__photo { margin: 0; position: relative; }
.about__photo img { width: 100%; height: auto; border-radius: var(--r); aspect-ratio: 4 / 4.6; object-fit: cover; object-position: 50% 20%; }
.about__badge { margin-top: .85rem; display: flex; flex-direction: column; gap: .1rem; }
.about__badge strong { color: var(--ink); font-size: .95rem; }
.about__badge span { font-size: .82rem; color: var(--muted); }
.about__copy { max-width: 62ch; }
.about__copy p { margin-top: 1rem; font-size: 1.06rem; }
.about__copy h2 + p { margin-top: 1.25rem; }
.about__actions { display: flex; gap: .75rem; flex-wrap: wrap; margin-top: 1.75rem; }

/* story chapters */
.story { list-style: none; margin: clamp(3rem, 6vw, 4.5rem) 0 0; padding: 0; border-top: 1px solid var(--line); }
.chapter { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 6fr); gap: clamp(2rem, 5vw, 5rem); padding: clamp(2.25rem, 4vw, 3.25rem) 0; border-bottom: 1px solid var(--line); align-items: start; }
.chapter:nth-child(even) .chapter__text { order: 2; }
.chapter__where { display: flex; align-items: center; gap: .75rem; font-size: .82rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); }
.chapter__n { font-variant-numeric: tabular-nums; color: var(--green); letter-spacing: 0; }
.chapter__text h3 { font-size: clamp(1.4rem, 2.2vw, 1.75rem); letter-spacing: -0.02em; margin-top: .6rem; color: var(--ink); }
.chapter__text p:not(.chapter__where) { margin-top: .9rem; font-size: 1.04rem; max-width: 56ch; }
.chapter__text a { color: var(--ink); font-weight: 500; border-bottom: 1px solid var(--line-2); }
.chapter__text a:hover { border-color: var(--ink); }

.gallery__lead, .gallery__thumb { display: block; width: 100%; padding: 0; border: 0; background: none; cursor: zoom-in; border-radius: var(--r); overflow: hidden; position: relative; }
.gallery__lead img { width: 100%; height: auto; aspect-ratio: 3 / 2; object-fit: cover; display: block; transition: transform .35s var(--ease); }
.gallery__row { display: grid; grid-template-columns: repeat(3, 1fr); gap: .6rem; margin-top: .6rem; }
.gallery__thumb img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; display: block; transition: transform .35s var(--ease); }
.gallery__lead:hover img, .gallery__thumb:hover img { transform: scale(1.025); }
.gallery__lead:focus-visible, .gallery__thumb:focus-visible { outline: 2px solid var(--navy); outline-offset: 3px; }
.gallery__more { position: absolute; inset: 0; display: grid; place-items: center; background: rgba(14,31,61,.55); color: #fff; font-weight: 600; font-size: .9rem; }
.gallery__hint { margin-top: .6rem; font-size: .82rem; color: var(--muted); }

.chapter__facts { margin: .4rem 0 0; display: grid; gap: 0; border-top: 1px solid var(--line); }
.chapter__facts div { padding: .9rem 0; border-bottom: 1px solid var(--line); display: grid; grid-template-columns: 110px 1fr; gap: 1rem; }
.chapter__facts dt { font-size: .78rem; font-weight: 600; letter-spacing: .05em; text-transform: uppercase; color: var(--muted); padding-top: .15rem; }
.chapter__facts dd { margin: 0; color: var(--ink); font-weight: 500; }

.pull { margin: .25rem 0 0; padding: 1.6rem 1.75rem; background: var(--paper); border-left: 3px solid var(--green); border-radius: 0 var(--r) var(--r) 0; }
.pull p { font-size: clamp(1.2rem, 1.8vw, 1.45rem); line-height: 1.35; letter-spacing: -0.015em; color: var(--ink); font-weight: 500; }
.pull footer { margin-top: .9rem; font-size: .88rem; color: var(--muted); }

.about__today { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(2rem, 5vw, 5rem); padding-top: clamp(2.25rem, 4vw, 3.25rem); align-items: start; }
.about__today h3 { font-size: clamp(1.4rem, 2.2vw, 1.75rem); letter-spacing: -0.02em; color: var(--ink); }
.about__today-text p { margin-top: .9rem; font-size: 1.04rem; max-width: 60ch; }
.about__line { font-size: 1.15rem; line-height: 1.45; color: var(--ink); font-weight: 500; padding-left: 1.25rem; border-left: 3px solid var(--green); }
.about__today .about__actions { margin-top: 1.5rem; }



/* ---------- reviews ---------- */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.review { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 1.6rem; }
.review__stars { color: var(--amber); letter-spacing: .1em; font-size: .95rem; }
.review p { margin-top: .8rem; }
.review footer { margin-top: 1rem; font-size: .88rem; color: var(--muted); font-weight: 500; }

/* ---------- faq ---------- */
.faq { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.faq__head .muted { margin-top: 1rem; }
.faq__list { border-top: 1px solid var(--line-2); }
.faq__list details { border-bottom: 1px solid var(--line); }
.faq__list summary { cursor: pointer; list-style: none; padding: 1.15rem 2.75rem 1.15rem 0; font-weight: 600; color: var(--ink); position: relative; font-size: 1.05rem; }
.faq__list summary::-webkit-details-marker { display: none; }
.faq__list summary::after { content: ""; position: absolute; right: .5rem; top: 50%; width: 9px; height: 9px; border-right: 1.5px solid var(--ink); border-bottom: 1.5px solid var(--ink); transform: translateY(-70%) rotate(45deg); transition: transform .25s var(--ease); }
.faq__list details[open] summary::after { transform: translateY(-30%) rotate(225deg); }
.faq__list details p { padding: 0 3rem 1.3rem 0; color: var(--text); }

/* ---------- quote ---------- */
.quote { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(2rem, 5vw, 5rem); align-items: start; }
.quote__copy p { margin-top: 1.25rem; font-size: 1.05rem; }
.quote__contact { display: grid; gap: 0; margin-top: 1.75rem; border-top: 1px solid rgba(255,255,255,.15); }
.quote__contact a { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; padding: .95rem 0; border-bottom: 1px solid rgba(255,255,255,.15); color: #fff; font-weight: 600; font-size: 1.05rem; }
.quote__contact a:hover { text-decoration: none; color: #fff; }
.quote__contact a:hover span:last-child { text-decoration: underline; text-underline-offset: 3px; }
.quote__contact-label { font-size: .85rem; color: rgba(255,255,255,.6); font-weight: 500; }
.form { background: #fff; border-radius: var(--r); padding: 2rem; color: var(--text); }
.form__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form__full { grid-column: 1 / -1; }
.form .btn { margin-top: 1.5rem; background: var(--navy); border-color: var(--navy); }
.form .btn:hover { background: var(--navy-2); }
.form__fine { font-size: .78rem; color: var(--muted); margin-top: .9rem; line-height: 1.5; }
.form__success { margin-top: 1.25rem; background: var(--green-t); border-radius: var(--r-sm); padding: 1rem 1.25rem; color: var(--green-d); }
.form__success strong { display: block; font-weight: 600; }
.form__success p { color: var(--text); margin-top: .25rem; }

/* ---------- footer ---------- */
.footer { background: #0A1730; color: rgba(255,255,255,.7); padding: 3.5rem 0 2rem; font-size: .93rem; }
.footer__inner { display: grid; grid-template-columns: 1.4fr .8fr .8fr; gap: 2.5rem; padding-bottom: 2.5rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer__brand img { height: 38px; width: auto; margin-bottom: 1rem; }
.footer__brand p { max-width: 36ch; }
.footer__tag { color: #fff; font-weight: 600; font-size: 1.05rem; margin-bottom: .35rem; }
.footer__domain { display: inline-block; margin-top: .9rem; color: #fff; font-weight: 500; border-bottom: 1px solid rgba(255,255,255,.35); }
.footer__domain:hover { border-color: #fff; }
.footer__col { display: flex; flex-direction: column; gap: .5rem; }
.footer__h { color: #fff; font-weight: 600; margin-bottom: .35rem; font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; }
.footer__col a { color: rgba(255,255,255,.72); }
.footer__col a:hover { color: #fff; }
.footer__legal { padding-top: 1.75rem; font-size: .78rem; color: rgba(255,255,255,.45); }
.footer__legal p + p { margin-top: .75rem; }

/* ---------- sticky mobile CTA ---------- */
.sticky-cta { display: none; }

/* ---------- modal / drawer ---------- */
.modal { position: fixed; inset: 0; z-index: 90; display: grid; place-items: center; padding: 1rem; }
.modal__backdrop { position: absolute; inset: 0; background: rgba(10,23,48,.55); animation: fadeIn .2s; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.modal__panel { position: relative; width: min(680px, 100%); max-height: min(88vh, 860px); overflow: auto; background: #fff; border-radius: var(--r); animation: fade .25s var(--ease); color: var(--text); }
.modal__close { position: absolute; top: .9rem; right: .9rem; width: 38px; height: 38px; border-radius: 50%; border: 1px solid var(--line); background: #fff; color: var(--ink); font-size: 1.4rem; line-height: 1; cursor: pointer; z-index: 2; display: grid; place-items: center; }
.modal__close:hover { background: var(--paper); }
.modal__body { padding: 2.25rem; }
.modal__body .label { font-size: .78rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-bottom: .6rem; }
.modal__body h3 { font-size: 1.6rem; letter-spacing: -0.02em; padding-right: 2.5rem; }
.modal__summary { margin-top: .9rem; font-size: 1.05rem; color: var(--text); }
.modal__section { margin-top: 1.5rem; }
.modal__section h4 { font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: .5rem; font-weight: 600; }
.modal__section p { color: var(--text); }
.modal__section + .modal__section { padding-top: 1.5rem; border-top: 1px solid var(--line); }
.modal__fit { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: .5rem; }
.modal__fit li { background: var(--paper); border: 1px solid var(--line); color: var(--ink); font-weight: 500; font-size: .88rem; padding: .35rem .75rem; border-radius: var(--r-sm); }
.modal__actions { margin-top: 1.75rem; display: flex; gap: .75rem; flex-wrap: wrap; }
.modal__carrier { display: flex; align-items: center; gap: 1.25rem; margin-bottom: 1.25rem; }
.modal__carrier img { height: 42px; width: auto; max-width: 220px; object-fit: contain; }
.state-chips { display: flex; flex-wrap: wrap; gap: .4rem; }
.state-chips span { font-size: .8rem; font-weight: 600; background: var(--paper); border: 1px solid var(--line); color: var(--ink); padding: .25rem .5rem; border-radius: var(--r-xs); }
.state-chips span.is-home { background: var(--navy); border-color: var(--navy); color: #fff; }

/* license certificate */
.cert { position: relative; border: 1.5px solid var(--navy); border-radius: var(--r-sm); padding: 2rem 2rem 1.75rem; background: #fff; overflow: hidden; }
.cert::before { content: ""; position: absolute; inset: 6px; border: 1px solid var(--line-2); border-radius: 3px; pointer-events: none; }
.cert__top { display: flex; justify-content: space-between; align-items: flex-start; gap: 1rem; }
.cert__state { font-size: .74rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.cert__title { font-size: 1.5rem; font-weight: 600; letter-spacing: -0.02em; color: var(--navy); line-height: 1.1; margin-top: .25rem; }
.cert__class { color: var(--muted); font-size: .92rem; margin-top: .25rem; }
.cert__seal { flex: none; width: 74px; height: 74px; border-radius: 50%; background: var(--green-t); display: grid; place-items: center; text-align: center; color: var(--green-d); font-weight: 600; font-size: .58rem; letter-spacing: .08em; line-height: 1.2; border: 1.5px solid var(--green); position: relative; }
.cert__seal::before { content: "✓"; font-size: 1.3rem; display: block; letter-spacing: 0; margin-bottom: .1rem; }
.cert__name { margin-top: 1.5rem; }
.cert__name span { display: block; font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
.cert__name strong { display: block; font-size: 1.3rem; font-weight: 600; letter-spacing: .03em; color: var(--ink); margin-top: .15rem; }
.cert__grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem 1.5rem; margin-top: 1.35rem; padding-top: 1.25rem; border-top: 1px dashed var(--line-2); }
.cert__grid span { display: block; font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
.cert__grid strong { display: block; font-weight: 600; color: var(--ink); margin-top: .15rem; font-size: .98rem; font-variant-numeric: tabular-nums; }
.cert__status { color: var(--green-d) !important; }
.cert__foot { margin-top: 1.25rem; font-size: .78rem; color: var(--muted); display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }
.cert__foot a { font-weight: 600; }
.lic-list { list-style: none; padding: 0; margin: 1rem 0 0; display: grid; grid-template-columns: 1fr 1fr; gap: .25rem 1.5rem; font-size: .92rem; }
.lic-list li { display: flex; justify-content: space-between; gap: 1rem; padding: .55rem 0; border-bottom: 1px solid var(--line); }
.lic-list button { background: none; border: 0; padding: 0; font: inherit; color: var(--ink); font-weight: 500; cursor: pointer; text-align: left; }
.lic-list button:hover { color: var(--green-d); }
.lic-list em { font-style: normal; color: var(--muted); font-weight: 400; font-size: .82rem; }
.lic-list span { color: var(--muted); font-variant-numeric: tabular-nums; }
body.modal-open { overflow: hidden; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* lightbox */
.modal__panel--wide { width: min(1100px, 100%); background: var(--navy); color: #fff; }
.modal__panel--wide .modal__body { padding: 0; }
.modal__panel--wide .modal__close { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.2); color: #fff; }
.modal__panel--wide .modal__close:hover { background: rgba(255,255,255,.22); }
.lightbox { margin: 0; }
.lightbox img { display: block; width: 100%; height: auto; max-height: 68vh; object-fit: contain; background: #000; }
.lightbox figcaption { padding: 1rem 1.5rem 1.25rem; }
.lightbox figcaption p { color: #fff; font-size: 1rem; }
.lightbox__nav { display: flex; justify-content: space-between; align-items: center; gap: 1rem; margin-top: .6rem; font-size: .85rem; }
.lightbox__nav .muted { color: rgba(255,255,255,.65); }
.lightbox__btns { display: flex; gap: .5rem; }
.lightbox__btn { width: 40px; height: 40px; border-radius: 50%; border: 1px solid rgba(255,255,255,.25); background: transparent; color: #fff; font-size: 1.1rem; cursor: pointer; }
.lightbox__btn:hover { background: rgba(255,255,255,.12); }

/* ==================================================================
   Responsive
================================================================== */
@media (max-width: 1080px) {
  .hero__inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero h1 { max-width: 18ch; }
  .hero__media { max-width: 560px; }
  .hero__media img { aspect-ratio: 5 / 4; }
  .hero__note { right: 1rem; bottom: -1.5rem; }
  .nav__links { display: none; }
  .nav__phone { display: none; }
  .burger { display: block; }
  .mobile-menu { display: none; flex-direction: column; gap: .25rem; padding: .75rem 1.5rem 1.5rem; background: #fff; border-top: 1px solid var(--line); }
  .mobile-menu.is-open { display: flex; }
  .mobile-menu a { color: var(--ink); font-weight: 500; padding: .75rem 0; border-bottom: 1px solid var(--line); }
  .mobile-menu a.btn { margin-top: .75rem; border-bottom: 0; color: #fff; }
  .mobile-menu__phone { text-align: center; border-bottom: 0 !important; color: var(--green-d) !important; font-weight: 600 !important; }
  .split__head { grid-template-columns: 1fr; gap: .75rem; }
  .row { grid-template-columns: 44px minmax(0, 1fr) 32px; }
  .row__meta { grid-column: 2; grid-row: 2; }
  .scen { grid-template-columns: 1fr; gap: 1.5rem; }
  .scen__tabs { flex-direction: row; flex-wrap: wrap; border-top: 0; gap: .5rem; }
  .scen__tab { border: 1px solid var(--line-2); border-radius: var(--r-sm); padding: .6rem 1rem; font-size: .93rem; }
  .scen__tab[aria-selected="true"] { background: var(--navy); border-color: var(--navy); color: #fff; }
  .scen__tab[aria-selected="true"]::after { display: none; }
  .reviews { grid-template-columns: 1fr 1fr; }
  .estimate, .process, .licensed, .about, .faq, .quote { grid-template-columns: 1fr; }
  .process__media { max-width: 640px; }
  .about { max-width: 720px; }
  .about__photo { max-width: 250px; }
  .chapter, .about__today { grid-template-columns: 1fr; gap: 1.5rem; }
  .chapter:nth-child(even) .chapter__text { order: 0; }
  .chapter__media { max-width: 640px; }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .container { width: min(var(--container), 100% - 2.25rem); }
  .nav__inner { height: 64px; }
  .brand__img { height: 34px; }
  .nav__right .btn--sm { display: none; }
  .announce__inner { font-size: .8rem; gap: .5rem; }
  .hero__inner { padding-top: 2.5rem; padding-bottom: 2.5rem; }
  .hero h1 { font-size: 2.2rem; }
  .hero__lead { font-size: 1.02rem; }
  .hero__actions { flex-direction: column; align-items: stretch; gap: 1rem; }
  .hero__actions .btn { width: 100%; }
  .hero__call { text-align: center; }
  .hero__facts { gap: .5rem 1.75rem; }
  .hero__media { max-width: 100%; }
  .hero__media img { aspect-ratio: 4 / 3.4; }
  .hero__note { position: static; width: 100%; margin-top: .75rem; box-shadow: none; }
  .carriers__inner { grid-template-columns: 1fr; gap: .25rem; }
  .carriers__label { border-right: 0; padding: 0 0 .5rem; }
  .carrier { height: 56px; padding: 0 1.1rem; }
  .carrier img { height: 26px; max-width: 140px; }
  .row { grid-template-columns: minmax(0, 1fr) 28px; gap: .75rem 1rem; padding: 1.25rem 0; }
  .row__n { display: none; }
  .row__main h3 { font-size: 1.1rem; }
  .row__meta { grid-column: 1; grid-row: 2; }
  .row__chev { width: 28px; height: 28px; }
  .row__chev::after { left: 9px; top: 9px; width: 7px; height: 7px; }
  .scen__panel { grid-template-columns: 1fr; gap: 1.5rem; }
  .step__btn { grid-template-columns: 2rem minmax(0, 1fr); padding: 1.1rem 0; }
  .step__chev { display: none; }
  .step__more { padding: 0 0 1.25rem 2rem; }
  .table thead { display: none; }
  .table tr { display: block; padding: .9rem 1.1rem; border-top: 1px solid var(--line); }
  .table tbody th, .table td { display: block; padding: .2rem 0; border: 0; width: auto; }
  .table tbody th { font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: .35rem; }
  .table td::before { content: attr(data-col) ": "; color: var(--muted); font-weight: 400; }
  .table td.is-me { background: transparent; }
  .table td.is-me::before { color: var(--green-d); font-weight: 600; }
  .facts--row { grid-template-columns: 1fr; }
  .map { padding: .75rem; }
  .about__photo { max-width: 250px; }
  .tool, .form { padding: 1.4rem; }
  .tool__fields, .form__grid { grid-template-columns: 1fr; }
  .tool__nav { justify-content: stretch; }
  .tool__nav .btn { flex: 1; }
  .faq__list details p { padding-right: 0; }
  .footer__inner { grid-template-columns: 1fr; gap: 2rem; }
  .sticky-cta { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; gap: .6rem; padding: .7rem 1rem calc(.7rem + env(safe-area-inset-bottom)); background: rgba(255,255,255,.96); backdrop-filter: blur(10px); border-top: 1px solid var(--line); transform: translateY(110%); transition: transform .3s var(--ease); }
  .sticky-cta.is-visible { transform: none; }
  .sticky-cta .btn { flex: 1; }
  .sticky-cta__phone { display: inline-flex; align-items: center; justify-content: center; padding: .8rem 1rem; border-radius: var(--r-sm); border: 1px solid var(--line-2); color: var(--navy); font-weight: 600; white-space: nowrap; }
  .modal { padding: 0; align-items: end; }
  .modal__panel { width: 100%; max-height: 92vh; border-radius: var(--r-lg) var(--r-lg) 0 0; }
  .modal__body { padding: 3.25rem 1.25rem 2rem; }
  .cert { padding: 1.35rem 1.15rem; }
  .cert__title { font-size: 1.25rem; }
  .cert__seal { width: 60px; height: 60px; font-size: .5rem; }
  .lic-list { grid-template-columns: 1fr; }
}