/* ============================================================
   Mid-Ark Insurance Group — Hickman Agency
   Premium design system v2
   Palette: Forest #0C221B–#1A4136 · Champagne gold gradient
            #E3C67F→#B08D3E · Ivory #FAF7F1
   Type:    Cormorant Garamond (display) · Outfit (body)
   Motif:   Arkansas flag diamond, rendered as fine gold linework
   ============================================================ */

:root {
  --forest-950: #081712;
  --forest-900: #0C221B;
  --forest-800: #123028;
  --forest-700: #1A4136;
  --gold: #C2A05C;
  --gold-bright: #E3C67F;
  --gold-deep: #A8843E;
  --gold-text: #7F612B;
  --ivory: #FAF7F1;
  --paper: #FFFFFF;
  --ink: #1E2823;
  --muted: #5A6660;
  --line: rgba(178, 148, 90, 0.28);
  --line-soft: rgba(178, 148, 90, 0.16);
  --max: 1160px;
  --r: 4px;
  --shadow-lg: 0 32px 64px -28px rgba(8, 23, 18, 0.45), 0 8px 24px -12px rgba(8, 23, 18, 0.18);
  --shadow-md: 0 20px 40px -24px rgba(8, 23, 18, 0.35);
  --gold-grad: linear-gradient(120deg, #E3C67F 0%, #C2A05C 45%, #A8843E 100%);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

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

body {
  font-family: 'Outfit', 'Segoe UI', Arial, sans-serif;
  font-size: 17px;
  font-weight: 300;
  line-height: 1.7;
  color: var(--ink);
  background: var(--ivory);
  -webkit-font-smoothing: antialiased;
}

/* Fine grain over everything — kills the "flat vector" feel */
body::after {
  content: ""; position: fixed; inset: 0; z-index: 9999; pointer-events: none;
  opacity: 0.05; mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.55'/%3E%3C/svg%3E");
}

h1, h2, h3 {
  font-family: 'Cormorant Garamond', Georgia, serif;
  color: var(--forest-800);
  line-height: 1.08;
  font-weight: 600;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.7rem, 5.6vw, 4.3rem); }
h2 { font-size: clamp(2rem, 3.6vw, 2.9rem); }
h3 { font-size: 1.45rem; }

p { margin-bottom: 1rem; }
strong { font-weight: 500; }
a { color: var(--forest-700); }
a:focus-visible, button:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 28px; }

img { max-width: 100%; }

/* --- Skip navigation --- */
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--forest-950); color: var(--ivory);
  padding: 12px 20px; font-weight: 500; text-decoration: none;
  border-radius: 0 0 var(--r) var(--r);
}
.skip-link:focus { left: 0; }

/* Gold accent word inside display headings */
.gold-word {
  font-style: italic; font-weight: 600;
  background: var(--gold-grad);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}

/* --- Eyebrow --- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: 0.72rem; font-weight: 500; letter-spacing: 0.28em;
  text-transform: uppercase; color: var(--gold-text);
  margin-bottom: 20px;
}
.eyebrow::before {
  content: ""; width: 7px; height: 7px; flex-shrink: 0;
  background: var(--gold-grad); transform: rotate(45deg);
}
.eyebrow::after {
  content: ""; width: 44px; height: 1px; background: var(--line); flex-shrink: 0;
}

/* --- Diamond divider --- */
.diamond-divider { display: flex; justify-content: center; align-items: center; gap: 16px; padding: 10px 0; }
.diamond-divider span { width: 7px; height: 7px; background: var(--gold); transform: rotate(45deg); opacity: 0.8; }
.diamond-divider span:nth-child(2) { width: 11px; height: 11px; background: var(--gold-grad); }

/* --- Reveal on scroll --- */
.js .reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.8s ease, transform 0.8s cubic-bezier(0.2, 0.7, 0.25, 1); }
.js .reveal.in { opacity: 1; transform: none; }
.grid-2 > .reveal:nth-child(2), .grid-3 > .reveal:nth-child(2), .team-grid > .reveal:nth-child(2) { transition-delay: 0.1s; }
.grid-3 > .reveal:nth-child(3), .team-grid > .reveal:nth-child(3) { transition-delay: 0.2s; }
.grid-3 > .reveal:nth-child(4), .team-grid > .reveal:nth-child(4) { transition-delay: 0.1s; }
.grid-3 > .reveal:nth-child(5) { transition-delay: 0.2s; }
.grid-3 > .reveal:nth-child(6) { transition-delay: 0.3s; }

/* --- Topbar --- */

/* --- Header --- */
header.site {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250, 247, 241, 0.88);
  backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line-soft);
}
.navbar { display: flex; align-items: center; gap: 18px; padding: 16px 28px; max-width: var(--max); margin: 0 auto; }
.navbar .brand { margin-right: auto; }
/* Desktop order: brand | nav links | phone icon | Get a Quote | (hamburger) */
.navbar nav.main { order: 2; }
.navbar .call-link { order: 3; }
.navbar .nav-quote { order: 4; }
.navbar .nav-toggle { order: 5; }
.brand { display: flex; align-items: center; gap: 14px; text-decoration: none; }
.brand-mark {
  width: 44px; height: 44px; flex-shrink: 0; display: block; object-fit: contain;
  box-shadow: 0 6px 16px -6px rgba(8, 23, 18, 0.5);
}
.brand-mobile-logo { display: none; }
.brand-name {
  font-family: 'Cormorant Garamond', serif; font-weight: 700; font-size: 1.3rem;
  color: var(--forest-800); line-height: 1.05; letter-spacing: 0.01em;
  white-space: nowrap;
}
.brand-name small {
  display: block; font-family: 'Outfit', sans-serif; font-weight: 500; font-size: 0.6rem;
  letter-spacing: 0.32em; text-transform: uppercase; color: var(--gold-text); margin-top: 3px;
}

nav.main { display: flex; align-items: center; gap: 26px; white-space: nowrap; }
nav.main a {
  text-decoration: none; font-weight: 400; font-size: 0.86rem;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink);
  position: relative; padding-bottom: 4px;
}
nav.main a:not(.btn)::after {
  content: ""; position: absolute; left: 0; bottom: 0; height: 1px; width: 0;
  background: var(--gold-grad); transition: width 0.3s ease;
}
nav.main a:not(.btn):hover::after, nav.main a[aria-current="page"]:not(.btn)::after { width: 100%; }
nav.main a[aria-current="page"] { color: var(--gold-text); }

/* --- Buttons --- */
.btn {
  display: inline-block; position: relative; overflow: hidden;
  background: var(--gold-grad); color: var(--forest-950);
  font-family: 'Outfit', sans-serif; font-weight: 500; font-size: 0.82rem;
  letter-spacing: 0.16em; text-transform: uppercase; text-decoration: none;
  padding: 15px 32px; border: none; border-radius: var(--r);
  box-shadow: 0 10px 24px -10px rgba(168, 132, 62, 0.55);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.btn::after {
  content: ""; position: absolute; top: 0; left: -80%; width: 50%; height: 100%;
  background: linear-gradient(100deg, transparent, rgba(255, 255, 255, 0.45), transparent);
  transform: skewX(-20deg); transition: left 0.5s ease;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 16px 32px -12px rgba(168, 132, 62, 0.65); }
.btn:hover::after { left: 130%; }
.btn.ghost {
  background: transparent; color: var(--forest-800);
  border: 1px solid var(--gold); box-shadow: none;
}
.btn.ghost:hover { background: rgba(194, 160, 92, 0.08); }
.btn.light { background: var(--gold-grad); color: var(--forest-950); border: none; }
nav.main a.btn { color: var(--forest-950); padding: 12px 24px; }

/* --- Header call button --- */
/* Icon only: the label is kept for screen readers, not shown. */
.call-link {
  display: inline-flex; align-items: center; justify-content: center;
  flex-shrink: 0; width: 42px; height: 42px; padding: 0; border-radius: 50%;
}
.call-link svg { flex-shrink: 0; width: 17px; height: 17px; }
.call-text {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* Keep the full nav across the top as far down as it will fit */
@media (max-width: 1400px) {
  .navbar { gap: 10px; padding: 14px 20px; }
  nav.main { gap: 16px; }
  nav.main a { font-size: 0.76rem; letter-spacing: 0.05em; }
  .nav-quote { padding: 11px 15px; }
}
@media (max-width: 1120px) {
  nav.main { gap: 13px; }
  nav.main a { font-size: 0.72rem; letter-spacing: 0.03em; }
  .nav-quote { padding: 10px 13px; font-size: 0.72rem; }
  .call-link { width: 38px; height: 38px; }
}
@media (max-width: 1000px) {
  nav.main { gap: 11px; }
  nav.main a { font-size: 0.7rem; }
  .brand-name { font-size: 1rem; }
  .brand-name small { font-size: 0.48rem; letter-spacing: 0.2em; }
  .navbar { gap: 8px; padding: 14px 16px; }
}
@media (max-width: 920px) {
  /* Brand mark alone carries the header here; the link keeps its aria-label */
  .navbar .brand-name { display: none; }
  nav.main { gap: 13px; }
}

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 26px; height: 2px; background: var(--forest-800); margin: 6px 0; }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1100px 520px at 82% -10%, rgba(227, 198, 127, 0.14), transparent 60%),
    radial-gradient(900px 600px at -10% 110%, rgba(26, 65, 54, 0.9), transparent 65%),
    linear-gradient(160deg, var(--forest-800) 0%, var(--forest-900) 55%, var(--forest-950) 100%);
  color: var(--ivory); padding: 110px 0 120px;
}

.hero::before, .page-hero::before {
  content: ""; position: absolute; pointer-events: none;
  width: 620px; height: 620px; right: -160px; top: 50%; margin-top: -310px;
  border: 1px solid rgba(227, 198, 127, 0.16); transform: rotate(45deg);
}
.hero::after {
  content: ""; position: absolute; pointer-events: none;
  width: 460px; height: 460px; right: -80px; top: 50%; margin-top: -230px;
  border: 1px solid rgba(227, 198, 127, 0.1); transform: rotate(45deg);
}
.hero .wrap, .page-hero .wrap { position: relative; z-index: 2; }
.hero .eyebrow, .page-hero .eyebrow { color: var(--gold-bright); }
.hero .eyebrow::after, .page-hero .eyebrow::after { background: rgba(227, 198, 127, 0.35); }
.hero h1 { color: var(--ivory); margin-bottom: 26px; font-weight: 500; }
.hero p.lead {
  font-size: 1.16rem; font-weight: 300; max-width: 540px;
  color: rgba(250, 247, 241, 0.82); line-height: 1.8;
}
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 72px; align-items: center; }
.hero-actions { display: flex; gap: 18px; margin-top: 38px; flex-wrap: wrap; align-items: center; }
.hero-actions .btn.ghost { color: var(--ivory); border-color: rgba(227, 198, 127, 0.45); }
.hero-actions .btn.ghost:hover { background: rgba(227, 198, 127, 0.1); }

.hero-card {
  position: relative; background: rgba(250, 247, 241, 0.98); color: var(--ink);
  border-radius: var(--r); padding: 38px 36px;
  box-shadow: var(--shadow-lg);
}
.hero-card::before {
  content: ""; position: absolute; inset: 0; top: 0; height: 3px;
  background: var(--gold-grad); border-radius: var(--r) var(--r) 0 0;
}
.hero-card h2 {
  font-size: 1.5rem; margin-bottom: 18px; font-weight: 600;
}
.hero-card ul { list-style: none; }
.hero-card li {
  display: flex; gap: 14px; align-items: baseline; padding: 12px 0;
  border-bottom: 1px solid var(--line-soft); font-size: 0.95rem;
}
.hero-card li:last-child { border-bottom: none; }
.hero-card li::before {
  content: ""; width: 7px; height: 7px; background: var(--gold-grad);
  transform: rotate(45deg); flex-shrink: 0; position: relative; top: -1px;
}
/* Icon list: each line gets a mark that matches what it covers. */
.hero-card-list li { align-items: center; gap: 13px; }
.hero-card-list li::before { display: none; }
.hc-ico {
  flex-shrink: 0; width: 26px; height: 26px; display: grid; place-items: center;
  color: var(--gold-deep);
}
.hc-ico svg { width: 22px; height: 22px; display: block; }
.hero-card-list li:hover .hc-ico { color: var(--gold); }
.hero-card li a { font-weight: 400; text-decoration: none; letter-spacing: 0.02em; }
.hero-card li a:hover { color: var(--gold-deep); }

/* --- Home hero: team photo panel --- */
.hero-v-photo .hero-grid { grid-template-columns: 0.92fr 1.08fr; gap: 60px; }
.hero-portrait { position: relative; margin: 0 8px 0 0; }
.hero-portrait img {
  display: block; width: 100%; height: auto; position: relative; z-index: 2;
  border-radius: 2px; box-shadow: 0 26px 54px rgba(0, 0, 0, 0.45);
}
.hero-portrait::before {
  content: ""; position: absolute; z-index: 1; inset: 18px -18px -18px 18px;
  border: 1px solid rgba(227, 198, 127, 0.45); border-radius: 2px;
}

/* Coverage links, moved out of the hero card into a strip below the hero */
.cover-strip { background: var(--ivory); border-bottom: 1px solid var(--line-soft); padding: 24px 0; }
.cover-strip .wrap { display: flex; align-items: center; gap: 40px; flex-wrap: wrap; }
.cs-label {
  font-family: 'Outfit', 'Segoe UI', Arial, sans-serif; font-weight: 500; line-height: 1.4;
  font-size: 0.68rem; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold-deep); margin: 0; white-space: nowrap;
}
.cs-items { display: flex; gap: 38px; flex-wrap: wrap; flex: 1; }
.cs-item {
  display: flex; align-items: center; gap: 11px; min-height: 44px;
  text-decoration: none; color: var(--ink); font-size: 0.92rem;
}
.cs-item:hover { color: var(--gold-deep); }
.cs-item:hover .hc-ico { color: var(--gold-deep); }
@media (max-width: 940px) {
  .hero-v-photo .hero-grid { gap: 44px; }
  .hero-portrait { margin-right: 18px; }
  .cover-strip .wrap { gap: 22px; }
  .cs-items { gap: 16px 30px; }
}
@media (max-width: 660px) {
  /* Stack: text first, then the photo (beats the .hero-v-photo two-column rule) */
  .hero-v-photo .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-portrait { margin: 0 18px 0 0; }
  .cover-strip .wrap { flex-direction: column; align-items: flex-start; gap: 14px; }
  .cs-items { gap: 12px 26px; }
  .cs-item { padding: 6px 0; }
}

/* --- Page hero (interior) --- */
.page-hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 420px at 85% -20%, rgba(227, 198, 127, 0.12), transparent 60%),
    linear-gradient(160deg, var(--forest-800) 0%, var(--forest-900) 60%, var(--forest-950) 100%);
  color: var(--ivory); padding: 84px 0 78px;
}
.page-hero h1 { color: var(--ivory); margin-bottom: 18px; font-weight: 500; font-size: clamp(2.4rem, 4.6vw, 3.6rem); }
.page-hero p { max-width: 660px; color: rgba(250, 247, 241, 0.82); font-size: 1.1rem; font-weight: 300; margin-bottom: 0; line-height: 1.8; }

/* ============================================================
   SECTIONS
   ============================================================ */
section.block { padding: 104px 0; }
section.block.tint {
  background:
    radial-gradient(800px 400px at 90% 0%, rgba(194, 160, 92, 0.07), transparent 60%),
    linear-gradient(180deg, #F3EFE6, #FAF7F1);
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
}
.section-head { max-width: 720px; margin-bottom: 56px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }
.section-head h2 { margin-bottom: 18px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }

/* --- Cards --- */
.card {
  position: relative; background: var(--paper);
  border: 1px solid var(--line-soft); border-radius: var(--r);
  padding: 40px 34px;
  box-shadow: 0 2px 6px rgba(8, 23, 18, 0.04);
  transition: transform 0.35s cubic-bezier(0.2, 0.7, 0.25, 1), box-shadow 0.35s ease, border-color 0.35s ease;
}
.card::before {
  content: ""; position: absolute; top: -1px; left: 24px; right: 24px; height: 2px;
  background: var(--gold-grad); opacity: 0; transition: opacity 0.35s ease;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--line); }
.card:hover::before { opacity: 1; }
.card h3 { margin-bottom: 12px; }
.card p { font-size: 0.96rem; color: var(--muted); margin-bottom: 14px; }
.card .more {
  font-weight: 500; font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase;
  text-decoration: none; color: var(--gold-text);
  overflow-wrap: anywhere;
}
.card .more:hover { color: var(--forest-700); }

.card-icon { width: 40px; height: 40px; margin-bottom: 22px; position: relative; }
.card-icon::before {
  content: ""; position: absolute; inset: 0; transform: rotate(45deg);
  border: 1px solid var(--gold); opacity: 0.55;
}
.card-icon::after {
  content: ""; position: absolute; inset: 12px; background: var(--gold-grad); transform: rotate(45deg);
  box-shadow: 0 4px 10px -3px rgba(168, 132, 62, 0.6);
}

/* --- Checklists --- */
ul.checks { list-style: none; margin: 0 0 1.2rem; }
ul.checks li { display: flex; gap: 14px; align-items: baseline; padding: 8px 0; font-size: 0.97rem; }
ul.checks li::before {
  content: ""; width: 7px; height: 7px; background: var(--gold-grad);
  transform: rotate(45deg); flex-shrink: 0; position: relative; top: -1px;
}

/* --- Team --- */
.team-photo {
  width: 100%; height: auto; border-radius: var(--r); display: block;
  box-shadow: var(--shadow-lg); border: 1px solid var(--line);
}
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.person {
  text-align: center; background: var(--paper); border: 1px solid var(--line-soft);
  border-radius: var(--r); padding: 40px 26px 34px;
  transition: transform 0.35s cubic-bezier(0.2, 0.7, 0.25, 1), box-shadow 0.35s ease;
}
.person:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.person .avatar {
  width: 88px; height: 88px; margin: 6px auto 26px;
  background: linear-gradient(150deg, var(--forest-700), var(--forest-950));
  transform: rotate(45deg); display: grid; place-items: center;
  box-shadow: 0 10px 22px -8px rgba(8, 23, 18, 0.5);
  position: relative;
}
.person .avatar::before { content: ""; position: absolute; inset: -7px; border: 1px solid var(--line); }
.person .avatar span {
  transform: rotate(-45deg); font-family: 'Cormorant Garamond', serif; font-weight: 600;
  font-size: 1.6rem; color: var(--gold-bright); letter-spacing: 0.04em;
}
.person .photo {
  width: 100%; height: auto; aspect-ratio: 3 / 4; object-fit: cover; display: block;
  border-radius: var(--r); margin-bottom: 24px;
  border: 1px solid var(--line); box-shadow: 0 12px 28px -14px rgba(8, 23, 18, 0.35);
}
.person h3 { margin-bottom: 4px; }
.person .role {
  font-size: 0.68rem; font-weight: 500; letter-spacing: 0.24em; text-transform: uppercase;
  color: var(--gold-text); margin-bottom: 14px;
}
.person p { font-size: 0.92rem; color: var(--muted); margin-bottom: 0; }

/* --- Off the clock --- */
.offclock { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; }
.offclock figure {
  position: relative; border-radius: var(--r); overflow: hidden;
  box-shadow: var(--shadow-md); border: 1px solid var(--line-soft);
}
.offclock img { display: block; width: 100%; height: auto; aspect-ratio: 4 / 3.6; object-fit: cover; transition: transform 0.6s cubic-bezier(0.2, 0.7, 0.25, 1); }
.offclock figure:hover img { transform: scale(1.035); }
.offclock figcaption {
  position: absolute; left: 0; right: 0; bottom: 0; padding: 40px 24px 18px;
  background: linear-gradient(transparent, rgba(8, 23, 18, 0.88));
  color: var(--ivory); font-size: 0.9rem; letter-spacing: 0.03em;
}
.footer-logo { background: #fff; padding: 8px 12px; border-radius: var(--r); display: inline-block; margin-top: 18px; }
.footer-logo img { display: block; height: 44px; width: auto; }
@media (max-width: 660px) { .offclock { grid-template-columns: 1fr; } }

/* --- FAQ --- */
.faq-item {
  border: 1px solid var(--line-soft); border-radius: var(--r); margin-bottom: 16px;
  background: var(--paper); transition: box-shadow 0.3s ease, border-color 0.3s ease;
}
.faq-item[open] { box-shadow: var(--shadow-md); border-color: var(--line); }
.faq-item summary {
  cursor: pointer; padding: 24px 28px; font-family: 'Cormorant Garamond', serif;
  font-weight: 600; font-size: 1.3rem; color: var(--forest-800);
  list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 18px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: ""; width: 9px; height: 9px; background: var(--gold-grad);
  transform: rotate(45deg); transition: transform 0.3s ease; flex-shrink: 0;
}
.faq-item[open] summary::after { transform: rotate(225deg); }
.faq-item .answer { padding: 0 28px 26px; }
.faq-item .answer p { font-size: 0.98rem; color: var(--muted); }

/* --- CTA band --- */
.cta-band {
  position: relative; overflow: hidden;
  background:
    radial-gradient(700px 340px at 50% -30%, rgba(227, 198, 127, 0.16), transparent 65%),
    linear-gradient(170deg, var(--forest-900), var(--forest-950));
  color: var(--ivory); padding: 96px 0; text-align: center;
}
.cta-band::before {
  content: ""; position: absolute; left: 50%; top: 50%; width: 480px; height: 480px;
  margin: -240px 0 0 -240px; border: 1px solid rgba(227, 198, 127, 0.12);
  transform: rotate(45deg); pointer-events: none;
}
.cta-band h2 { color: var(--ivory); margin-bottom: 16px; font-weight: 500; position: relative; }
.cta-band p { max-width: 540px; margin: 0 auto 34px; color: rgba(250, 247, 241, 0.78); position: relative; }
.cta-band .btn { position: relative; }

/* --- Forms --- */
form.quote { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
form.quote .full { grid-column: 1 / -1; }
.form-status { margin: 0; padding: 12px 16px; border-radius: 6px; font-size: 0.95rem; }
.form-status.success { background: #e8f2e8; color: #1e4620; border: 1px solid #b7d4b8; }
.form-status.error { background: #fbeaea; color: #7a1f1f; border: 1px solid #e6b8b8; }
label {
  font-weight: 500; font-size: 0.72rem; letter-spacing: 0.18em; text-transform: uppercase;
  display: block; margin-bottom: 8px; color: var(--forest-700);
}
input, select, textarea {
  width: 100%; padding: 14px 16px; border: 1px solid var(--line);
  border-radius: var(--r); font-family: 'Outfit', sans-serif; font-weight: 300;
  font-size: 1rem; background: var(--paper); color: var(--ink);
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
input:focus, select:focus, textarea:focus {
  outline: none; border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(194, 160, 92, 0.18);
}
form .btn { justify-self: start; cursor: pointer; }

/* --- Info list --- */
.info-list { list-style: none; }
.info-list li { padding: 16px 0; border-bottom: 1px solid var(--line-soft); }
.info-list li strong {
  display: block; font-size: 0.68rem; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--gold-text); margin-bottom: 4px; font-weight: 500;
}
.info-list a { text-decoration: none; font-weight: 400; }
.info-list a:hover { color: var(--gold-deep); }

/* --- Table --- */
table.compare { width: 100%; border-collapse: collapse; font-size: 0.95rem; box-shadow: 0 2px 8px rgba(8,23,18,0.05); }
table.compare th {
  background: linear-gradient(160deg, var(--forest-700), var(--forest-900)); color: var(--ivory);
  text-align: left; padding: 14px 18px; font-family: 'Cormorant Garamond', serif;
  font-size: 1.1rem; font-weight: 600; letter-spacing: 0.02em;
}
table.compare td { padding: 13px 18px; border-bottom: 1px solid var(--line-soft); vertical-align: top; background: var(--paper); }
table.compare tr:nth-child(even) td { background: #F6F2E9; }

/* --- Footer --- */
footer.site {
  background: linear-gradient(180deg, var(--forest-950), #050F0B);
  color: rgba(250, 247, 241, 0.68); padding: 72px 0 0; font-size: 0.92rem; font-weight: 300;
  border-top: 1px solid rgba(227, 198, 127, 0.2);
}
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 48px; padding-bottom: 52px; }
footer.site h4 {
  font-family: 'Outfit', sans-serif; font-weight: 500; font-size: 0.72rem;
  letter-spacing: 0.26em; text-transform: uppercase; color: var(--gold-bright); margin-bottom: 20px;
}
footer.site ul { list-style: none; }
footer.site li { margin-bottom: 10px; }
footer.site a { color: rgba(250, 247, 241, 0.68); text-decoration: none; transition: color 0.2s ease; }
footer.site a:hover { color: var(--gold-bright); }
.footer-bottom {
  border-top: 1px solid rgba(227, 198, 127, 0.14); padding: 22px 0;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px;
  font-size: 0.78rem; letter-spacing: 0.03em; color: rgba(250, 247, 241, 0.45);
}
.footer-brand .brand-name { color: var(--ivory); }
.footer-brand p { margin-top: 16px; max-width: 300px; line-height: 1.8; }

/* --- Breadcrumbs (rendered article and location pages only) --- */
.crumbs, .fn-crumbs {
  font-size: 0.8rem; letter-spacing: 0.01em; text-transform: none;
  margin-bottom: 20px; color: rgba(250, 247, 241, 0.5);
}
.crumbs a, .fn-crumbs a { color: rgba(250, 247, 241, 0.62); text-decoration: none; }
.crumbs a:hover, .fn-crumbs a:hover { color: var(--gold-bright); }
.crumbs span, .fn-crumbs span { color: rgba(250, 247, 241, 0.5); }

/* --- Responsive --- */
@media (max-width: 940px) {
  .navbar { padding: 14px 20px; gap: 12px; }
  nav.main a { white-space: nowrap; }
  .nav-quote { white-space: nowrap; }
  .brand { gap: 10px; }
  .brand-mark { width: 38px; height: 38px; }
  .brand-name { font-size: 1.05rem; white-space: nowrap; }
  .hero-grid, .grid-3, .grid-4, .footer-grid { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .hero { padding: 80px 0 88px; }
}
/* Nav collapses to a hamburger only once the full row can no longer fit */
@media (max-width: 860px) {
  nav.main {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--ivory); flex-direction: column; align-items: flex-start;
    padding: 22px 28px; gap: 20px; border-bottom: 1px solid var(--line);
    box-shadow: 0 20px 30px -20px rgba(8, 23, 18, 0.3);
  }
  nav.main a { padding: 6px 0; }
  nav.main.open { display: flex; }
  .nav-toggle { display: block; }
  .navbar { gap: 12px; }
  .navbar .brand-name { display: block; }
}
@media (max-width: 560px) {
  /* Use the complete agency logo rather than the icon alone on phones. */
  .navbar .brand-mark, .navbar .brand-name { display: none; }
  .navbar .brand-mobile-logo { display: block; width: 130px; height: auto; }
  .brand { gap: 0; }
}
@media (max-width: 520px) {
  .navbar { padding: 14px 16px; gap: 10px; }
  .nav-quote { padding: 10px 12px; font-size: 0.68rem; letter-spacing: 0.06em; }
  .brand { min-width: 0; gap: 10px; }
  .brand-mark { width: 38px; height: 38px; }
  .brand-name { font-size: 0.98rem; }
  .brand-name small { font-size: 0.5rem; letter-spacing: 0.22em; }
  .call-link { width: 40px; height: 40px; }
}
@media (max-width: 380px) {
  /* Smallest phones: keep the compact full wordmark on one line */
  .navbar { padding: 12px 14px; gap: 6px; }
  .nav-quote { padding: 9px 10px; font-size: 0.62rem; letter-spacing: 0.04em; }
  .navbar .brand-mobile-logo { width: 100px; }
  .brand { gap: 0; }
  .call-link { width: 38px; height: 38px; }
  .nav-toggle { padding: 6px; }
}
@media (max-width: 660px) {
  /* Comfortable tap targets for key mobile links */
  footer.site a, .hero-card li a, .info-list a {
    display: inline-block; padding: 8px 0; margin: -4px 0;
  }
  .hero-actions { flex-wrap: nowrap; gap: 10px; }
  .hero-actions .btn {
    flex: 1 1 0; min-width: 0; padding: 15px 10px;
    font-size: 0.68rem; letter-spacing: 0.1em; text-align: center;
    white-space: nowrap;
  }
  footer.site li { margin-bottom: 6px; }
  .hero-grid, .grid-2, .grid-3, .grid-4, .footer-grid, form.quote { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .hero { padding: 64px 0 72px; }
  section.block { padding: 64px 0; }
  .hero::before, .hero::after { display: none; }
}

/* ============================================================
   FIELD NOTES
   ============================================================ */
.fn-measure { max-width: 760px; }
.fn-hero { padding: 96px 0 100px; }
.fn-hero-inner { max-width: 760px; }
.fn-hero p.lead { max-width: none; margin-bottom: 18px; }

.fn-chips { display: flex; flex-wrap: wrap; gap: 10px; margin: 0 0 48px; }
.fn-chip {
  display: inline-block; padding: 9px 16px; border: 1px solid var(--line);
  border-radius: 999px; font-size: 0.8rem; letter-spacing: 0.06em;
  text-transform: uppercase; color: var(--forest-800); text-decoration: none;
  background: var(--paper);
}
.fn-chip:hover, .fn-chip:focus-visible { border-color: var(--gold-deep); color: var(--gold-text); }

.fn-topics { display: grid; grid-template-columns: 1fr 1fr; gap: 40px 56px; }
.fn-topic { border-top: 1px solid var(--line-soft); padding-top: 22px; }
.fn-topic h3 { font-size: 1.35rem; margin-bottom: 12px; color: var(--forest-800); }
.fn-topic h3 a { color: var(--forest-800); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--line); }
.fn-topic h3 a:hover { color: var(--gold-text); }
.fn-topic p { color: var(--muted); margin: 0; }

.fn-entries { list-style: none; margin: 0; padding: 0; max-width: 860px; }
.fn-entry { border-top: 1px solid var(--line); padding: 34px 0; }
.fn-entry:last-child { border-bottom: 1px solid var(--line); }
.fn-kicker {
  font-size: 0.72rem; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--gold-text); margin-bottom: 10px;
}
.fn-entry h3 { font-size: 1.6rem; margin-bottom: 12px; }
.fn-entry h3 a { color: var(--forest-900); text-decoration: none; }
.fn-entry h3 a:hover { color: var(--gold-text); }
.fn-entry p { color: var(--muted); max-width: 680px; }
.fn-read {
  display: inline-block; margin-top: 6px; font-size: 0.78rem; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold-text); text-decoration: none;
  border-bottom: 1px solid var(--line); padding-bottom: 3px;
}
.fn-read:hover { border-color: var(--gold-deep); }

.fn-seasonal {
  max-width: 760px; border-left: 2px solid var(--gold); padding: 6px 0 6px 28px;
}
.fn-seasonal h2 { font-size: 1.7rem; margin-bottom: 14px; }
.fn-seasonal p { color: var(--muted); }

.fn-qa {
  border-bottom: 1px solid var(--line-soft); padding: 4px 0;
}
.fn-qa summary {
  cursor: pointer; padding: 20px 0; font-family: 'Cormorant Garamond', serif;
  font-weight: 600; font-size: 1.25rem; color: var(--forest-800); list-style: none;
  display: flex; justify-content: space-between; align-items: center; gap: 18px;
}
.fn-qa summary::-webkit-details-marker { display: none; }
.fn-qa summary::after {
  content: ""; width: 9px; height: 9px; background: var(--gold-grad);
  transform: rotate(45deg); transition: transform 0.3s ease; flex-shrink: 0;
}
.fn-qa[open] summary::after { transform: rotate(225deg); }
.fn-qa p { color: var(--muted); padding-bottom: 20px; margin: 0; }

.fn-disclaimer { font-size: 0.86rem; color: var(--muted); line-height: 1.8; }

/* --- Article page --- */
.fn-article-hero { padding: 74px 0 82px; }
.fn-article-hero h1 { font-size: clamp(2rem, 4.6vw, 3.1rem); }
.fn-article .fn-measure { max-width: 720px; }
.fn-article p { line-height: 1.9; }
.fn-article .lead { font-size: 1.12rem; color: var(--forest-800); }
.fn-section { margin-top: 46px; }
.fn-section h2 { font-size: 1.75rem; margin-bottom: 16px; }
.fn-section h3 { font-size: 1.25rem; margin: 28px 0 10px; }
.fn-list { margin: 0 0 18px 1.15rem; padding: 0; }
.fn-list li { margin-bottom: 10px; line-height: 1.8; color: var(--muted); }
.fn-list li strong { color: var(--forest-800); }

.fn-answer {
  background: var(--paper); border: 1px solid var(--line);
  border-left: 3px solid var(--gold); border-radius: var(--r);
  padding: 24px 26px; margin: 30px 0;
}
.fn-answer-label {
  font-size: 0.72rem; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--gold-text); margin-bottom: 10px;
}
.fn-answer p:last-child { margin: 0; color: var(--forest-800); }

.fn-meta {
  font-size: 0.85rem; color: var(--muted); border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft); padding: 14px 0; margin-bottom: 8px;
}
.fn-note {
  border-left: 2px solid var(--line); padding-left: 18px; color: var(--muted);
  font-size: 0.95rem;
}
.fn-cta { display: flex; flex-wrap: wrap; gap: 16px; margin: 46px 0 40px; }
.fn-related, .fn-sources { margin-top: 38px; }
.fn-related h2, .fn-sources h2 { font-size: 1.3rem; margin-bottom: 14px; }
.fn-back { margin-top: 34px; }
.fn-back a { color: var(--gold-text); text-decoration: none; border-bottom: 1px solid var(--line); }

.field-note-link { margin-top: 34px; font-size: 0.95rem; }
.field-note-link a {
  color: var(--gold-text); text-decoration: none;
  border-bottom: 1px solid var(--line); padding-bottom: 2px;
}
.field-note-link a:hover { border-color: var(--gold-deep); }

@media (max-width: 860px) {
  .fn-topics { grid-template-columns: 1fr; gap: 30px; }
  .fn-hero { padding: 72px 0 76px; }
  .fn-article-hero { padding: 60px 0 64px; }
  .fn-entry h3 { font-size: 1.4rem; }
}
@media (max-width: 520px) {
  .fn-cta .btn { width: 100%; text-align: center; }
  .fn-answer { padding: 20px 18px; }
  .fn-seasonal { padding-left: 18px; }
}

/* ---------------------------------------------------------------- Locations */
.loc-groups {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 28px 32px;
  margin-top: 28px;
}
.loc-group-body { font-size: 0.92rem; opacity: 0.85; margin: 0 0 14px; }
.loc-group h3 {
  font-family: var(--font-sans, inherit);
  font-size: 0.74rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold, #b8974f);
  margin: 0 0 12px;
}
.loc-list { list-style: none; margin: 0; padding: 0; }
.loc-list li { margin: 0 0 8px; }
.loc-list a { text-decoration: none; border-bottom: 1px solid transparent; }
.loc-list a:hover, .loc-list a:focus-visible { border-bottom-color: currentColor; }

.loc-risks, .loc-covers {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 26px 32px;
  margin-top: 26px;
}
.loc-risk h3, .loc-cover h3 {
  font-size: 1.12rem;
  margin: 0 0 8px;
}
.loc-risk p, .loc-cover p { margin: 0; }
.loc-cover h3 a { text-decoration: none; border-bottom: 1px solid rgba(184, 151, 79, 0.5); }

.loc-drive {
  margin-top: 22px;
  padding-left: 16px;
  border-left: 3px solid var(--gold, #b8974f);
  font-style: italic;
}

.loc-split {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
}
.loc-tags {
  list-style: none;
  margin: 16px 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.loc-tags li {
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 12px;
  border: 1px solid rgba(0, 0, 0, 0.14);
  border-radius: 999px;
}
.loc-office {
  margin-top: 22px;
  font-size: 0.88rem;
  opacity: 0.85;
}

.footer-areas {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  margin-top: 36px;
  padding-top: 26px;
}
.footer-areas h4 { margin: 0 0 14px; }
.footer-areas ul {
  list-style: none;
  margin: 0 0 12px;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 6px 22px;
}
.footer-areas li { margin: 0; }
.footer-areas a { font-size: 0.9rem; }

@media (max-width: 860px) {
  .loc-split { grid-template-columns: 1fr; gap: 32px; }
}