:root{
  --ink:#14202e;
  --ink-soft:#4a5868;
  --line:#e4e0d8;
  --paper:#fbfaf7;
  --card:#ffffff;
  --signal:#ec5f1a;
  --signal-deep:#c94a0c;
  --signal-tint:#fff1e8;
  --ply:#d8a65a;
  --ply-tint:#fbf1e1;
  --steel:#2f4a66;
  --steel-tint:#e8eef5;
  --clear:#1c8a8a;
  --clear-tint:#e3f4f3;
  --storm:#5b5fc7;
  --storm-tint:#ecedfb;
  --fire:#d23c2f;
  --fire-tint:#fcebe9;
  --ok:#2e8b57;
  --radius:16px;
  --shadow:0 1px 2px rgba(20,32,46,.05),0 6px 20px rgba(20,32,46,.06);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 16px/1.55 Inter,system-ui,sans-serif;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:Archivo,Inter,sans-serif;letter-spacing:-.01em;margin:0}
p{margin:0}
button,input,select,textarea{font:inherit;color:inherit}
a{color:inherit}
.wrap{width:min(1120px,100% - 32px);margin-inline:auto}
.ico{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}

/* top bar */
.bar{position:sticky;top:0;z-index:20;background:rgba(251,250,247,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;height:64px}
.mark{display:flex;align-items:center;gap:10px;text-decoration:none;font:850 20px/1 Archivo,"Arial Narrow",sans-serif;font-stretch:80%;text-transform:uppercase;letter-spacing:.01em;white-space:nowrap}
.mark svg{width:32px;height:32px;flex:none}
.mark em{font-style:normal;color:var(--signal);margin-left:.12em}
@media (max-width:440px){.bar .wrap{gap:8px}.bar .mark{font-size:14.5px;gap:7px}.bar .mark svg{width:26px;height:26px}}
.bar nav{margin-left:auto;display:flex;gap:22px;font-size:15px;color:var(--ink-soft)}
.bar nav a{text-decoration:none}
.bar nav a:hover{color:var(--ink)}
.quote-btn{background:var(--ink);color:#fff;border:0;border-radius:10px;padding:10px 16px;font-weight:600;text-decoration:none;font-size:15px;white-space:nowrap}
.quote-btn:hover{background:#000}
.bar-acts{display:flex;align-items:center;gap:10px}
.call-btn{display:inline-flex;align-items:center;gap:6px;color:var(--signal-deep);font-weight:700;text-decoration:none;font-size:15px;white-space:nowrap;padding:9px 12px;border:1.5px solid var(--signal);border-radius:10px;background:var(--card)}
.call-btn .ico{width:17px;height:17px}
.call-btn:hover{background:var(--signal-tint)}
.hero-call{display:inline-flex;align-items:center;gap:8px;margin-top:20px;background:var(--signal);color:#fff;font-weight:700;font-size:18px;text-decoration:none;border-radius:12px;padding:13px 22px;box-shadow:0 6px 18px rgba(236,95,26,.28)}
.hero-call:hover{background:var(--signal-deep)}
.hero-call .ico{width:20px;height:20px}

/* hero */
.hero{padding:56px 0 40px;text-align:center;background:radial-gradient(900px 380px at 50% -40px,var(--signal-tint),transparent 70%)}
.flag{display:inline-flex;align-items:center;gap:8px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:13px;font-weight:600;color:var(--signal-deep)}
.flag i{width:8px;height:8px;border-radius:50%;background:var(--signal);box-shadow:0 0 0 4px var(--signal-tint)}
.hero h1{font-size:clamp(34px,5.4vw,56px);font-weight:800;margin:18px auto 14px;max-width:16ch;line-height:1.05}
.hero .lede{max-width:720px;margin:0 auto;color:var(--ink-soft);font-size:17px}

/* the "what broke" panel */
.desk{margin:34px auto 0;max-width:900px;background:var(--card);border:2px dashed #d6cfc2;border-radius:22px;padding:28px;box-shadow:var(--shadow);text-align:left}
.desk-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:18px}
.desk-head h2{font-size:22px}
.desk-hint{display:flex;align-items:center;gap:6px;font-size:13px;font-weight:600;color:var(--signal-deep);white-space:nowrap}
.desk-hint .ico{width:16px;height:16px}
.picks{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.pick{display:flex;flex-direction:column;align-items:center;gap:10px;padding:22px 12px;border:1.5px solid var(--line);border-radius:14px;background:var(--paper);cursor:pointer;transition:border-color .15s,transform .15s,background .15s;font-weight:600}
.pick:hover{border-color:var(--signal);transform:translateY(-2px)}
.pick[aria-pressed=true]{border-color:var(--signal);background:var(--signal-tint)}
.pick .disc{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;color:#fff}
.pick .disc .ico{width:28px;height:28px}
.pick small{font-weight:400;color:var(--ink-soft);font-size:13px;margin-top:-6px}
.plan{display:grid;grid-template-columns:1.2fr 1fr;gap:20px;margin-top:20px}
.plan-card{border-radius:14px;padding:20px;background:var(--paper);border:1px solid var(--line)}
.plan-card h3{font-size:18px;display:flex;align-items:center;gap:10px;margin-bottom:14px}
.plan-rows{display:grid;gap:12px}
.plan-row{display:grid;grid-template-columns:32px 1fr;gap:10px;align-items:start}
.plan-row .ico{width:32px;height:32px;padding:6px;border-radius:9px;background:var(--card);border:1px solid var(--line);color:var(--signal-deep)}
.plan-row span{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);font-weight:600}
.plan-row p{font-size:15px}
.price-pill{display:inline-block;margin-top:2px;background:var(--ink);color:#fff;border-radius:8px;padding:3px 10px;font-weight:700;font-size:15px}
.lead{border-radius:14px;padding:20px;background:var(--ink);color:#fff;display:flex;flex-direction:column;gap:14px}
.lad-chips{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:4px}
.lad-chips:not(:has(span:not([hidden]))){display:none}
.lad-chips span{display:inline-flex;align-items:center;gap:5px;background:#1d2c3e;border:1px solid #33465c;border-radius:999px;padding:3px 10px;font-size:12px;color:#cfd8e2}
.lad-chips span[hidden]{display:none}
.lad-chips .ico{width:13px;height:13px;color:var(--signal)}
.lad-step{display:grid;gap:10px}
.lad-step[hidden]{display:none}
.lead label{font-size:13px;color:#b9c4d0;display:grid;gap:5px}
.lead input,.lead select,.lead textarea{width:100%;border:1px solid #33465c;background:#1d2c3e;border-radius:10px;padding:11px 12px;color:#fff}
.lead textarea{resize:vertical;min-height:84px}
.lead input:focus,.lead select:focus,.lead textarea:focus{outline:2px solid var(--signal);border-color:transparent}
.lad-two{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.lad-row{display:grid;grid-template-columns:1fr 88px 92px;gap:8px}
.lad-err{background:#3a1d1d;border:1px solid #7a2e2e;color:#ffd2cc;border-radius:10px;padding:9px 12px;font-size:13px}
.lad-err[hidden]{display:none}
.lad-actions{display:flex;gap:8px}
.lad-actions[hidden]{display:none}
.lad-actions button{border:0;border-radius:10px;padding:13px 16px;cursor:pointer;font-weight:700;font-size:16px}
.lad-next{flex:1;background:var(--signal);color:#fff}
.lad-next:hover{background:var(--signal-deep)}
.lad-next:disabled{opacity:.7;cursor:wait}
.lad-back{background:transparent;color:#b9c4d0;border:1px solid #33465c!important}
.lad-back[hidden]{display:none}
.lead .fine{font-size:12px;color:#93a1b1}
.lad-tcpa{font-size:11px;line-height:1.45;color:#93a1b1}
.lad-tcpa a{color:#cfd8e2}
.lad-done{text-align:center;padding:18px 0}
.lad-done .ico{width:44px;height:44px;color:#7fd3a3;margin-bottom:8px}
.lad-done h3{font-size:20px;margin-bottom:6px}
/* tones: --c solid colour, --t tint */
.t-steel{--c:var(--steel);--t:var(--steel-tint)}
.t-signal{--c:var(--signal-deep);--t:var(--signal-tint)}
.t-clear{--c:var(--clear);--t:var(--clear-tint)}
.t-fire{--c:var(--fire);--t:var(--fire-tint)}
.t-storm{--c:var(--storm);--t:var(--storm-tint)}
.t-ply{--c:#8a6a3a;--t:var(--ply-tint)}
.pick .disc{background:var(--c)}
.risk .disc{background:var(--t);color:var(--c)}
.badges{display:flex;justify-content:center;flex-wrap:wrap;gap:10px;margin-top:22px}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:14px;font-weight:600}
.badge .ico{width:17px;height:17px;color:var(--ok)}

/* section shell */
.sec{padding:72px 0}
.sec.alt{background:var(--card);border-block:1px solid var(--line)}
.sec-head{text-align:center;max-width:640px;margin:0 auto 36px}
.sec-head h2{font-size:clamp(26px,3.4vw,36px);font-weight:800}
.sec-head p{color:var(--ink-soft);margin-top:10px}
.foot-pill{display:flex;justify-content:center;margin-top:28px}

/* 24 hour clock */
.clock-grid{display:grid;grid-template-columns:300px 1fr;gap:40px;align-items:center}
.dial{position:relative;width:280px;height:280px;margin:auto}
.dial svg{width:100%;height:100%}
.dial-mid{position:absolute;inset:0;display:grid;place-items:center;text-align:center}
.dial-mid strong{display:block;font:800 64px/1 Archivo,sans-serif}
.dial-mid span{font-size:14px;color:var(--ink-soft);font-weight:600;letter-spacing:.04em;text-transform:uppercase}
.risks{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.risk{display:flex;gap:14px;padding:18px;border-radius:14px;background:var(--paper);border:1px solid var(--line)}
.risk .disc{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;flex:none}
.risk h3{font-size:16px;margin-bottom:3px}
.risk p{font-size:14px;color:var(--ink-soft)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:s}
.step{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px 20px;box-shadow:var(--shadow)}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-14px;left:20px;width:28px;height:28px;border-radius:50%;background:var(--signal);color:#fff;display:grid;place-items:center;font:800 14px Archivo,sans-serif}
.step .ico{width:30px;height:30px;color:var(--steel);margin:6px 0 12px}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:14px;color:var(--ink-soft)}

/* subtle motion on risk + step cards: lift on hover, one-time fade-up (app.js adds .reveal/.in) */
.risk,.step{transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease,opacity .5s ease,translate .5s ease}
.risk .disc,.step .ico{transition:transform .25s ease}
@media (hover:hover){
  .risk:hover,.step:hover{transform:translateY(-4px);box-shadow:0 2px 4px rgba(20,32,46,.06),0 14px 32px rgba(20,32,46,.1)}
  .risk:hover{border-color:color-mix(in srgb,var(--c) 35%,var(--line))}
  .step:hover{border-color:color-mix(in srgb,var(--signal) 35%,var(--line))}
  .risk:hover .disc,.step:hover .ico{transform:scale(1.08)}
}
.reveal>*{opacity:0;translate:0 12px}
.reveal>.in{opacity:1;translate:none}
/* 24 hour dial: "now" dot at the visitor's local time + "Open now" pill (app.js shows both) */
.dial-col{display:grid;justify-items:center;gap:14px}
#dial-now .pulse{fill:var(--signal);transform-box:fill-box;transform-origin:center;animation:dial-pulse 2.4s ease-out infinite}
@keyframes dial-pulse{0%{transform:scale(1);opacity:.5}100%{transform:scale(2.6);opacity:0}}
.dial-now{display:inline-flex;align-items:center;gap:8px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:14px;font-weight:600;cursor:pointer;transition:border-color .2s,color .2s,transform .2s}
.dial-now[hidden]{display:none}
.dial-now i{width:8px;height:8px;border-radius:50%;background:var(--ok);animation:now-blink 2s ease-in-out infinite}
@keyframes now-blink{50%{opacity:.4}}
@media (hover:hover){.dial-now:hover{border-color:var(--signal);color:var(--signal-deep);transform:translateY(-1px)}}

@media (prefers-reduced-motion:reduce){
  .risk,.step,.risk .disc,.step .ico,.dial-now{transition:none}
  .risk:hover,.step:hover,.risk:hover .disc,.step:hover .ico,.dial-now:hover{transform:none}
  #dial-now .pulse,.dial-now i{animation:none}
  #dial-now .pulse{opacity:0}
}

/* tabs (FAQ) */
.tabs{display:flex;justify-content:center;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.tab{border:1px solid var(--line);background:var(--card);border-radius:999px;padding:9px 18px;cursor:pointer;font-weight:600;font-size:14px}
.tab[aria-selected=true]{background:var(--ink);border-color:var(--ink);color:#fff}

/* estimator */
.est{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:960px;margin:auto}
.est-in,.est-out{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:var(--shadow)}
.sec.alt .est-in,.sec.alt .est-out{background:var(--paper)}
.field{margin-bottom:22px}
.field > span{display:block;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);margin-bottom:10px}
.stepper{display:flex;align-items:center;gap:14px}
.stepper button{width:42px;height:42px;border-radius:12px;border:1px solid var(--line);background:var(--card);font-size:22px;cursor:pointer}
.stepper output{font:800 30px Archivo,sans-serif;min-width:40px;text-align:center}
.seg{display:grid;grid-template-columns:repeat(auto-fit,minmax(120px,1fr));gap:8px}
.seg button{border:1.5px solid var(--line);background:var(--card);border-radius:12px;padding:12px 8px;cursor:pointer;font-weight:600;font-size:14px;display:flex;flex-direction:column;align-items:center;gap:6px}
.seg button .ico{color:var(--ink-soft)}
.seg button[aria-pressed=true]{border-color:var(--signal);background:var(--signal-tint)}
.seg button[aria-pressed=true] .ico{color:var(--signal-deep)}
.est-out{display:flex;flex-direction:column;justify-content:center;text-align:center;background:var(--ink)!important;color:#fff;border-color:var(--ink)!important}
.est-out .lbl{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#93a1b1;font-weight:700}
.est-out .big{font:800 clamp(36px,5vw,52px)/1.1 Archivo,sans-serif;margin:10px 0 18px}
.range{position:relative;height:12px;border-radius:6px;background:#2a3b4f;margin:0 6px}
.range i{position:absolute;top:0;bottom:0;border-radius:6px;background:linear-gradient(90deg,var(--ply),var(--signal));transition:left .25s,width .25s}
.range-ends{display:flex;justify-content:space-between;font-size:12px;color:#93a1b1;margin-top:8px}
.est-out .note{font-size:13px;color:#b9c4d0;margin-top:18px}
.est-out a{margin-top:18px;align-self:center;background:var(--signal);color:#fff;text-decoration:none;font-weight:700;border-radius:10px;padding:12px 20px}

/* insurance checklist */
.check-wrap{max-width:760px;margin:auto;background:var(--card);border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:var(--shadow)}
.check-top{display:flex;align-items:center;gap:16px;margin-bottom:18px}
.ring{width:64px;height:64px;flex:none}
.ring circle{fill:none;stroke-width:7}
.ring .bg{stroke:var(--line)}
.ring .fg{stroke:var(--ok);stroke-linecap:round;transition:stroke-dashoffset .3s;transform:rotate(-90deg);transform-origin:50% 50%}
.check-top strong{font:800 20px Archivo,sans-serif;display:block}
.check-top span{font-size:14px;color:var(--ink-soft)}
.checks{display:grid;gap:8px;list-style:none;margin:0;padding:0}
.checks label{display:flex;align-items:center;gap:12px;padding:13px 14px;border:1px solid var(--line);border-radius:12px;cursor:pointer;font-weight:500}
.checks input{appearance:none;width:22px;height:22px;border:2px solid #c7c0b3;border-radius:7px;display:grid;place-items:center;flex:none;margin:0}
.checks input:checked{background:var(--ok);border-color:var(--ok)}
.checks input:checked::after{content:"";width:6px;height:11px;border:solid #fff;border-width:0 2.5px 2.5px 0;transform:translateY(-1px) rotate(45deg)}
.checks label:has(input:checked){background:#f0f8f3;border-color:#bfe0cc}
.checks small{margin-left:auto;font-size:12px;color:var(--ink-soft);white-space:nowrap}

/* faq */
.faq{max-width:820px;margin:auto}
.qa{background:var(--card);border:1px solid var(--line);border-radius:14px;margin-bottom:10px;overflow:hidden}
.sec.alt .qa{background:var(--paper)}
.qa summary{list-style:none;cursor:pointer;padding:18px 20px;font-weight:600;display:flex;justify-content:space-between;gap:16px;align-items:center}
.qa summary::-webkit-details-marker{display:none}
.qa summary .ico{transition:transform .2s;color:var(--ink-soft)}
.qa[open] summary .ico{transform:rotate(180deg)}
.qa p{padding:0 20px 18px;color:var(--ink-soft)}
.qa[hidden]{display:none}

/* service areas */
.areas{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px}
.areas.one{grid-template-columns:1fr;max-width:820px;margin:0 auto}
.area{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);text-align:left}
.sec.alt .area{background:var(--paper)}
.area h3{font-size:17px;display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:14px}
.area h3 a{text-decoration:none}
.area h3 a:hover{color:var(--signal-deep)}
.area h3 small{font:600 12px Inter,sans-serif;color:var(--ink-soft);background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:2px 9px;white-space:nowrap}
.sec.alt .area h3 small{background:var(--card)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--line);background:var(--card);border-radius:999px;padding:6px 12px;font-size:14px;font-weight:500;text-decoration:none}
.chip .ico{width:14px;height:14px;color:var(--signal)}
.chip:hover{border-color:var(--signal);color:var(--signal-deep)}
.chip[aria-current=page]{background:var(--ink);border-color:var(--ink);color:#fff}
.chip[aria-current=page] .ico{color:var(--ply)}
.crumbs{font-size:13px;color:var(--ink-soft);margin-bottom:14px}
.crumbs a{text-decoration:none}
.crumbs a:hover{color:var(--ink)}
.crumbs i{font-style:normal;margin:0 4px;opacity:.6}
.hub-areas{margin-top:30px}

/* cta band */
.band{background:var(--signal);color:#fff;text-align:center;padding:64px 0}
.band h2{font-size:clamp(26px,3.6vw,38px);font-weight:800}
.band p{opacity:.9;margin:10px auto 24px;max-width:520px}
.band-acts{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.band a{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--signal-deep);font-weight:700;text-decoration:none;border-radius:10px;padding:14px 24px}
.band a.band-call{background:transparent;color:#fff;border:2px solid #fff}
.band-call .ico{width:18px;height:18px}

footer{background:var(--ink);color:#b9c4d0;padding:40px 0;text-align:center;font-size:14px}
footer .mark{justify-content:center;color:#fff;margin-bottom:10px}
footer nav{display:flex;justify-content:center;gap:22px;margin:18px 0}
footer nav a{text-decoration:none}

@media (max-width:900px){
  .steps{grid-template-columns:repeat(2,1fr)}
  .clock-grid,.est,.plan{grid-template-columns:1fr}
  .bar nav{display:none}
}
@media (max-width:600px){
  .lad-row{grid-template-columns:1fr 1fr}
  .lad-row label:first-child{grid-column:1/-1}
  .picks{grid-template-columns:repeat(2,1fr)}
  .risks{grid-template-columns:1fr}
  .desk{padding:18px}
  .desk-head{flex-direction:column;align-items:flex-start}
  .sec{padding:56px 0}
  .bar .wrap{gap:12px}
  .call-btn span{display:none}
  .call-btn{padding:9px}
  .mark{font-size:18px}
  .mark svg{width:30px;height:30px}
}

/* legal pages */
.legal{max-width:760px;margin:0 auto;padding:56px 0 72px}
.legal h1{font-size:clamp(28px,4vw,40px);font-weight:800;margin-bottom:20px}
.legal p{color:var(--ink-soft);margin-bottom:14px}