/* ============================================================
   CeilingRepair.ca — design system
   Palette: pine + teal + gold + cream  |  Type: Fraunces / Inter
   ============================================================ */
:root{
  --ink:#0c2122; --pine:#123c3d; --teal:#0f6466; --teal-bright:#15807e;
  --gold:#f5c85b; --gold-deep:#d99f27; --cream:#fdf7ea; --sand:#f6efde;
  --paper:#ffffff; --mist:#f3f9f8; --line:#e3edec; --line-soft:#eef4f3;
  --muted:#5d7173; --ink-2:#33504f;
  --shadow-sm:0 6px 20px rgba(12,41,42,.06);
  --shadow:0 22px 60px rgba(10,40,42,.13);
  --shadow-lg:0 40px 90px rgba(10,40,42,.20);
  --radius:24px; --radius-lg:34px; --radius-sm:16px;
  --maxw:1200px; --gutter:clamp(18px,4.5vw,64px);
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--paper);line-height:1.6;font-size:17px;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:Fraunces,Georgia,"Times New Roman",serif;font-weight:600;letter-spacing:-.02em;line-height:1.04;margin:0}
p{margin:0 0 1em}
.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:Inter;font-weight:700;
  font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--teal)}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--gold-deep);border-radius:2px}
.lede{font-size:clamp(18px,2vw,21px);color:var(--ink-2);max-width:62ch}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;cursor:pointer;
  font-family:Inter;font-weight:700;font-size:16px;padding:15px 26px;border-radius:999px;
  transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .2s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn.primary{background:var(--gold);color:#27200c;box-shadow:0 14px 30px rgba(217,159,39,.34)}
.btn.primary:hover{box-shadow:0 20px 40px rgba(217,159,39,.42)}
.btn.dark{background:var(--pine);color:#fff;box-shadow:0 14px 30px rgba(18,60,61,.26)}
.btn.ghost{background:#fff;border:1.5px solid var(--line);color:var(--pine)}
.btn.ghost:hover{border-color:var(--teal);background:var(--mist)}
.btn.light{background:rgba(255,255,255,.12);color:#fff;border:1.5px solid rgba(255,255,255,.28);backdrop-filter:blur(6px)}
.btn.full{width:100%}
.btn.lg{padding:18px 32px;font-size:17px}
.btn .arrow{transition:transform .25s var(--ease)}
.btn:hover .arrow{transform:translateX(4px)}

/* ---------- topbar + header ---------- */
.topbar{background:var(--ink);color:#cfe9e6;font-size:13.5px}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:9px}
.topbar a{color:#fff;font-weight:700}
.topbar .tb-left{display:flex;align-items:center;gap:8px}
.topbar .tb-left b{color:var(--gold)}
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.82);
  backdrop-filter:saturate(160%) blur(16px);border-bottom:1px solid var(--line-soft);transition:box-shadow .3s}
.site-header.scrolled{box-shadow:0 10px 30px rgba(12,41,42,.07)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:14px}
.brand img{width:230px}
.main-nav{display:flex;align-items:center;gap:6px;font-weight:600;font-size:15.5px}
.main-nav a{color:var(--ink-2);padding:9px 14px;border-radius:10px;transition:background .2s,color .2s}
.main-nav a:hover{background:var(--mist);color:var(--pine)}
.main-nav .nav-cta{background:var(--pine);color:#fff;padding:11px 20px;border-radius:999px;margin-left:8px}
.main-nav .nav-cta:hover{background:var(--teal);color:#fff}
.menu-toggle{display:none;border:0;background:var(--pine);color:#fff;border-radius:12px;
  width:46px;height:42px;font-size:20px;cursor:pointer}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(120% 90% at 88% -8%,rgba(245,200,91,.20),transparent 46%),
  radial-gradient(90% 80% at 4% 10%,rgba(15,100,102,.08),transparent 40%),
  linear-gradient(180deg,#fbfdfd,#fff)}
.hero .wrap{display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(28px,5vw,64px);
  align-items:center;padding-block:clamp(48px,6vw,86px) clamp(40px,5vw,70px)}
.hero h1{font-size:clamp(42px,6.1vw,76px);letter-spacing:-.035em;margin:20px 0 18px;max-width:14ch}
.hero h1 em{font-style:italic;color:var(--teal)}
.hero .lede{font-size:clamp(18px,2.1vw,22px)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0 26px}
.hero-meta{display:flex;align-items:center;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:14.5px;font-weight:600}
.hero-meta .stars{color:var(--gold-deep);letter-spacing:2px;font-size:16px}
.hero-meta .dot{width:5px;height:5px;border-radius:50%;background:var(--line)}
.hero-visual{position:relative}
.hero-visual .main-img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);border:7px solid #fff;width:100%}
.floating-card{position:absolute;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);
  border:1px solid var(--line);border-radius:18px;padding:14px 18px;box-shadow:var(--shadow);
  display:flex;align-items:center;gap:12px;animation:floaty 6s var(--ease) infinite}
.floating-card .fc-ico{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;
  background:var(--cream);color:var(--gold-deep);font-size:20px}
.floating-card strong{display:block;font-family:Fraunces;font-size:22px;line-height:1}
.floating-card span{font-size:12.5px;color:var(--muted);font-weight:600}
.float-a{left:-14px;bottom:42px}
.float-b{right:6px;top:34px;animation-delay:-3s}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}

/* ---------- trust strip ---------- */
.trust-strip{border-block:1px solid var(--line-soft);background:var(--mist)}
.trust-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;padding-block:22px}
.trust-item{display:flex;align-items:center;gap:13px}
.trust-item img{width:36px}
.trust-item b{display:block;font-size:15px;line-height:1.2}
.trust-item span{font-size:13px;color:var(--muted)}

/* ---------- generic section ---------- */
.section{padding-block:clamp(56px,7vw,100px)}
.section.tint{background:var(--mist)}
.section-head{max-width:760px;margin:0 auto clamp(34px,4vw,52px);text-align:center}
.section-head h2{font-size:clamp(30px,4.2vw,50px);margin:12px 0 14px;letter-spacing:-.03em}
.section-head p{color:var(--muted);font-size:18px;margin:0}
.section-head.left{margin-inline:0;text-align:left}

/* ---------- service cards ---------- */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:8px 8px 26px;box-shadow:var(--shadow-sm);transition:transform .3s var(--ease),box-shadow .3s,border-color .3s}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#d4e6e4}
.card-graphic{height:148px;border-radius:18px;background:linear-gradient(160deg,#f4faf9,#e9f4f3);
  display:grid;place-items:center;overflow:hidden;margin-bottom:18px}
.card-graphic img{width:100%;height:100%;object-fit:cover}
.card h3{font-size:21px;margin:0 18px 8px}
.card p{color:var(--muted);font-size:15px;margin:0 18px}
.card .card-link{display:inline-flex;gap:6px;align-items:center;margin:14px 18px 0;
  color:var(--teal);font-weight:700;font-size:14.5px}

/* ---------- split layout ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,60px);align-items:center}
.split h2{font-size:clamp(28px,3.6vw,44px);margin-bottom:16px}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:24px;box-shadow:var(--shadow)}
.checks{list-style:none;padding:0;margin:22px 0 0}
.checks li{position:relative;padding:9px 0 9px 34px;color:var(--ink-2);font-weight:500}
.checks li::before{content:"✓";position:absolute;left:0;top:8px;width:23px;height:23px;border-radius:50%;
  background:var(--cream);color:var(--gold-deep);display:grid;place-items:center;font-size:13px;font-weight:800}
.pill{display:inline-flex;align-items:center;gap:8px;border-radius:999px;padding:7px 15px;
  background:var(--cream);color:var(--gold-deep);font-weight:700;font-size:13px;
  font-family:Inter;text-transform:uppercase;letter-spacing:.08em}
.pill.light{background:rgba(255,255,255,.14);color:#fff}

/* ---------- stats band ---------- */
.statband{background:linear-gradient(135deg,var(--pine),var(--teal));color:#fff;border-radius:var(--radius-lg);
  overflow:hidden;position:relative}
.statband::after{content:"";position:absolute;inset:0;
  background:radial-gradient(60% 120% at 90% 0,rgba(245,200,91,.22),transparent 50%);pointer-events:none}
.statband .inner{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:clamp(32px,4vw,52px)}
.stat{text-align:center}
.stat .num{font-family:Fraunces;font-size:clamp(36px,4.5vw,56px);font-weight:600;line-height:1}
.stat .num small{font-size:.55em;color:var(--gold)}
.stat .lbl{color:#cfeae7;font-size:14.5px;margin-top:6px}

/* ---------- process ---------- */
.process{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:step}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;box-shadow:var(--shadow-sm)}
.step .n{font-family:Fraunces;font-size:15px;font-weight:700;color:var(--gold-deep);
  display:flex;align-items:center;gap:10px;margin-bottom:14px}
.step .n::before{counter-increment:step;content:"0" counter(step);font-size:34px;color:var(--pine);opacity:.9}
.step h3{font-size:20px;margin-bottom:8px}
.step p{color:var(--muted);font-size:15px;margin:0}

/* ---------- estimator ---------- */
.estimator{background:linear-gradient(180deg,#fff,#f4faf9);border:1px solid var(--line);
  border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow)}
.estimator h3{font-size:24px;margin-bottom:6px}
.est-row{display:flex;justify-content:space-between;align-items:baseline;margin:18px 0 8px;font-weight:600}
.est-row b{font-size:18px}
input[type=range]{width:100%;accent-color:var(--teal);height:6px}
.est-chips{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0}
.est-chip{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;
  font-size:13.5px;font-weight:600;cursor:pointer;transition:.2s;color:var(--ink-2)}
.est-chip[aria-pressed=true]{background:var(--pine);color:#fff;border-color:var(--pine)}
.estimate-output{margin-top:18px;padding:18px 20px;background:var(--cream);border-radius:18px;
  display:flex;align-items:center;justify-content:space-between;gap:12px}
.estimate-output .eo-num{font-family:Fraunces;font-size:clamp(24px,3vw,32px);color:var(--pine);font-weight:600}
.estimate-output .eo-lbl{font-size:13px;color:var(--muted);font-weight:600}

/* ---------- forms / wizard ---------- */
.lead-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:clamp(24px,3vw,34px);box-shadow:var(--shadow)}
.form-badge{display:inline-flex;align-items:center;gap:8px;background:var(--cream);color:var(--gold-deep);
  font-weight:700;font-size:13px;padding:7px 14px;border-radius:999px;text-transform:uppercase;letter-spacing:.06em}
.lead-card h2{font-size:27px;margin:14px 0 6px}
.lead-card .sub{color:var(--muted);margin:0 0 18px;font-size:15px}
.form-grid{display:grid;gap:12px;margin-bottom:12px}
.form-grid.two{grid-template-columns:1fr 1fr}
label.fld{display:block;font-size:13px;font-weight:700;color:var(--ink-2);margin-bottom:6px}
input,select,textarea{width:100%;border:1.5px solid #dbe7e6;border-radius:13px;padding:14px 15px;
  font:inherit;font-size:15.5px;background:#fbfefe;color:var(--ink);transition:border-color .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 4px rgba(15,100,102,.12)}
textarea{min-height:108px;resize:vertical}
.hidden-field{position:absolute;left:-9999px}
.consent{display:flex;gap:11px;align-items:flex-start;font-size:13.5px;color:var(--muted);margin:6px 0 16px}
.consent input{width:auto;margin-top:4px;accent-color:var(--teal)}
.lead-card small{display:block;color:var(--muted);font-size:12.5px;margin-top:12px;text-align:center}

/* wizard */
.wizard-steps{display:flex;gap:8px;margin-bottom:22px}
.wstep{flex:1;height:5px;border-radius:99px;background:var(--line);transition:background .35s}
.wstep.active,.wstep.done{background:var(--gold-deep)}
.wpane{display:none;animation:fade .35s var(--ease)}
.wpane.active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.wpane h3{font-size:20px;margin-bottom:4px}
.wpane .hint{color:var(--muted);font-size:14px;margin:0 0 16px}
.opt-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:6px}
.opt{display:flex;gap:12px;align-items:center;border:1.5px solid var(--line);border-radius:14px;
  padding:14px;cursor:pointer;transition:.2s;background:#fff}
.opt:hover{border-color:var(--teal);background:var(--mist)}
.opt input{display:none}
.opt .oico{font-size:20px;width:30px;text-align:center}
.opt b{display:block;font-size:15px;font-family:Inter;font-weight:700}
.opt small{color:var(--muted);font-size:12.5px}
.opt:has(input:checked){border-color:var(--pine);background:var(--cream);box-shadow:0 0 0 3px rgba(245,200,91,.25)}
.wizard-nav{display:flex;justify-content:space-between;gap:12px;margin-top:20px}
.wizard-nav .btn.back{background:transparent;color:var(--muted);padding-inline:12px}
.scorebar{margin-top:18px;background:var(--mist);border-radius:14px;padding:14px 16px;
  display:flex;align-items:center;gap:14px}
.scorebar .ring{--p:0;width:46px;height:46px;border-radius:50%;flex:none;
  background:conic-gradient(var(--gold-deep) calc(var(--p)*1%),var(--line) 0);display:grid;place-items:center}
.scorebar .ring i{width:34px;height:34px;border-radius:50%;background:#fff;display:grid;place-items:center;
  font-style:normal;font-weight:800;font-size:13px;color:var(--pine)}
.scorebar .st b{display:block;font-size:14px}
.scorebar .st span{font-size:12.5px;color:var(--muted)}

/* ---------- dark band (CTA) ---------- */
.band{background:linear-gradient(135deg,var(--pine),var(--teal));color:#fff;border-radius:var(--radius-lg);
  padding:clamp(34px,5vw,60px);position:relative;overflow:hidden}
.band::after{content:"";position:absolute;inset:0;background:radial-gradient(50% 100% at 88% 0,rgba(245,200,91,.18),transparent 55%)}
.band>*{position:relative}
.band h2{font-size:clamp(28px,3.6vw,46px);max-width:18ch}
.band p{color:#d6efed;max-width:54ch}

/* ---------- city / location grid ---------- */
.city-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.city-grid a{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 18px;
  font-weight:700;display:flex;justify-content:space-between;align-items:center;
  box-shadow:var(--shadow-sm);transition:.25s}
.city-grid a:hover{border-color:var(--teal);transform:translateY(-3px);color:var(--pine)}
.city-grid a span{color:var(--teal);font-size:15px}

/* ---------- resources / blog ---------- */
.filterbar{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-bottom:34px}
.chip{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:9px 18px;
  font-weight:600;font-size:14px;cursor:pointer;transition:.2s;color:var(--ink-2)}
.chip:hover{border-color:var(--teal)}
.chip.active{background:var(--pine);color:#fff;border-color:var(--pine)}
.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.r-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:.3s var(--ease)}
.r-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.r-card .thumb{height:188px;overflow:hidden;background:linear-gradient(160deg,#f4faf9,#e7f3f2)}
.r-card .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--ease)}
.r-card:hover .thumb img{transform:scale(1.05)}
.r-card .body{padding:24px;display:flex;flex-direction:column;flex:1}
.r-card .cat{color:var(--teal);font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.1em}
.r-card h3{font-size:21px;margin:10px 0 8px;line-height:1.12}
.r-card p{color:var(--muted);font-size:14.5px;margin:0 0 16px}
.r-card .meta{margin-top:auto;display:flex;align-items:center;gap:10px;color:var(--muted);font-size:13px;font-weight:600}
.r-card .meta .dot{width:4px;height:4px;border-radius:50%;background:var(--line)}

/* ---------- article ---------- */
.article-hero{background:linear-gradient(135deg,var(--pine),var(--teal));color:#fff}
.article-hero .wrap{padding-block:clamp(46px,5vw,72px)}
.breadcrumb{display:flex;gap:8px;align-items:center;color:#bfe3df;font-size:13.5px;font-weight:600;margin-bottom:18px;flex-wrap:wrap}
.breadcrumb a:hover{color:#fff}
.article-hero h1{font-size:clamp(32px,4.6vw,56px);max-width:20ch;margin-bottom:16px}
.article-hero .a-meta{display:flex;gap:14px;align-items:center;color:#cfeae7;font-size:14px;flex-wrap:wrap}
.article-hero .a-meta .dot{width:4px;height:4px;border-radius:50%;background:rgba(255,255,255,.4)}
.article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;
  max-width:1080px;margin-inline:auto;padding-block:clamp(40px,5vw,68px)}
.article-body{font-size:18px;color:#2c4544}
.article-body img{border-radius:var(--radius);margin:8px 0 28px}
.article-body h2{font-size:clamp(26px,3vw,34px);margin:40px 0 14px;letter-spacing:-.02em}
.article-body h3{font-size:22px;margin:30px 0 10px}
.article-body p{margin:0 0 18px;line-height:1.72}
.article-body ul,.article-body ol{margin:0 0 20px;padding-left:24px}
.article-body li{margin:8px 0;line-height:1.65}
.article-body strong{color:var(--pine)}
.article-body a{color:var(--teal);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.callout{background:var(--cream);border-left:4px solid var(--gold-deep);border-radius:0 16px 16px 0;
  padding:20px 24px;margin:26px 0}
.callout b{color:var(--pine)}
.takeaways{background:var(--mist);border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;margin:30px 0}
.takeaways h3{font-size:18px;margin-bottom:10px;color:var(--pine)}
.takeaways ul{margin:0;padding-left:22px}
.takeaways li{margin:7px 0}
.aside{position:sticky;top:96px;align-self:start;display:flex;flex-direction:column;gap:20px}
.aside-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}
.aside-card.dark{background:linear-gradient(160deg,var(--pine),var(--teal));color:#fff;border:0}
.aside-card.dark p{color:#d6efed;font-size:14.5px}
.aside-card h4{font-size:17px;margin-bottom:10px}
.toc a{display:block;padding:7px 0;color:var(--ink-2);font-size:14.5px;border-bottom:1px solid var(--line-soft)}
.toc a:hover{color:var(--teal)}

/* ---------- FAQ accordion ---------- */
.faq{max-width:820px;margin-inline:auto}
.faq-item{border:1px solid var(--line);border-radius:18px;background:#fff;margin-bottom:12px;
  box-shadow:var(--shadow-sm);overflow:hidden}
.faq-q{display:flex;justify-content:space-between;align-items:center;gap:16px;cursor:pointer;
  padding:20px 24px;font-family:Fraunces;font-size:19px;font-weight:600;list-style:none}
.faq-q::-webkit-details-marker{display:none}
.faq-q .ic{flex:none;width:26px;height:26px;border-radius:50%;background:var(--cream);color:var(--gold-deep);
  display:grid;place-items:center;font-size:18px;transition:transform .3s}
details[open] .faq-q .ic{transform:rotate(45deg)}
.faq-a{padding:0 24px 22px;color:var(--muted);font-size:15.5px;line-height:1.65}

/* ---------- testimonials ---------- */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.qcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm)}
.qcard .stars{color:var(--gold-deep);letter-spacing:2px;margin-bottom:12px}
.qcard p{font-size:16px;color:var(--ink-2);line-height:1.6}
.qcard .who{display:flex;align-items:center;gap:12px;margin-top:16px}
.qcard .av{width:42px;height:42px;border-radius:50%;background:var(--pine);color:#fff;
  display:grid;place-items:center;font-weight:800;font-family:Fraunces}
.qcard .who b{display:block;font-size:14.5px}
.qcard .who span{font-size:13px;color:var(--muted)}

/* ---------- page hero (interior) ---------- */
.page-hero{background:
  radial-gradient(110% 90% at 90% -10%,rgba(245,200,91,.18),transparent 46%),
  linear-gradient(135deg,var(--pine),var(--teal));color:#fff}
.page-hero .wrap{padding-block:clamp(48px,6vw,84px)}
.page-hero h1{font-size:clamp(36px,5.2vw,66px);letter-spacing:-.03em;margin:16px 0 16px;max-width:18ch}
.page-hero p{font-size:clamp(17px,2vw,20px);color:#d8f1ef;max-width:60ch;margin:0}
.page-hero .eyebrow{color:var(--gold)}
.page-hero .eyebrow::before{background:var(--gold)}

/* ---------- sticky mobile CTA ---------- */
.sticky-cta{position:fixed;left:12px;right:12px;bottom:12px;z-index:80;display:none;
  background:var(--pine);color:#fff;border-radius:18px;padding:12px 14px;box-shadow:var(--shadow-lg);
  align-items:center;justify-content:space-between;gap:12px}
.sticky-cta b{font-size:15px}
.sticky-cta span{font-size:12.5px;color:#bfe3df;display:block}
.sticky-cta .btn{padding:11px 18px;font-size:14.5px}

/* ---------- footer ---------- */
.site-footer{background:var(--ink);color:#cfe2e0;padding-block:clamp(48px,5vw,68px) 26px}
.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:36px}
.footer-logo{width:230px;margin-bottom:16px}
.site-footer p{color:#9fbab8;font-size:14.5px;max-width:36ch}
.site-footer h4{color:#fff;font-family:Inter;font-size:13px;text-transform:uppercase;letter-spacing:.1em;margin:0 0 14px}
.site-footer .fcol a{display:block;color:#cfe2e0;font-size:14.5px;padding:5px 0;transition:color .2s}
.site-footer .fcol a:hover{color:var(--gold)}
.footer-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px}
.footer-badges span{background:rgba(255,255,255,.08);border-radius:999px;padding:6px 12px;font-size:12.5px}
.footer-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;
  border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:24px;color:#7fa09d;font-size:13px}

/* ---------- scroll reveal ---------- */
/* Content is visible by default. We only hide-then-animate when JS is
   confirmed working (html.js), so a JS/network hiccup can never blank the page. */
/* Reveal is now a no-op for safety: content is ALWAYS visible.
   A gentle one-time fade-up runs on load via CSS only (no JS, nothing can stick). */
.reveal{opacity:1;transform:none;animation:rise .6s var(--ease) both}
@media(prefers-reduced-motion:reduce){
  .reveal{animation:none}
  .floating-card{animation:none}
  html{scroll-behavior:auto}
}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}

/* ---------- responsive ---------- */
@media(max-width:1000px){
  .hero .wrap,.split{grid-template-columns:1fr}
  .hero-visual{order:-1;max-width:520px;margin-inline:auto}
  .cards,.quotes{grid-template-columns:repeat(2,1fr)}
  .resource-grid{grid-template-columns:repeat(2,1fr)}
  .statband .inner{grid-template-columns:repeat(2,1fr);row-gap:34px}
  .process{grid-template-columns:1fr}
  .article-wrap{grid-template-columns:1fr}
  .aside{position:static;flex-direction:row;flex-wrap:wrap}
  .aside-card{flex:1;min-width:240px}
  .footer-grid{grid-template-columns:1fr 1fr}
  .trust-strip .wrap{grid-template-columns:1fr 1fr;row-gap:20px}
  .city-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:640px){
  body{font-size:16px}
  .topbar{display:none}
  .menu-toggle{display:block}
  .main-nav{display:none;position:absolute;left:12px;right:12px;top:72px;flex-direction:column;
    align-items:stretch;background:#fff;border:1px solid var(--line);border-radius:18px;
    padding:14px;box-shadow:var(--shadow);gap:2px}
  .main-nav.open{display:flex}
  .main-nav .nav-cta{margin:8px 0 0;text-align:center}
  .brand img{width:200px}
  .cards,.quotes,.resource-grid,.footer-grid,.city-grid{grid-template-columns:1fr}
  .form-grid.two,.opt-grid{grid-template-columns:1fr}
  .trust-strip .wrap,.statband .inner{grid-template-columns:1fr 1fr}
  .sticky-cta{display:flex}
  .footer-bottom{flex-direction:column}
}

/* =====================================================================
   v2 SUPPLEMENT — utilities + new components (locations, resources,
   article layout, provider form, faq accordion). Appended; cascades last.
   ===================================================================== */
.muted{color:var(--muted)}
.center{text-align:center}
.wrap.center{display:block}
.wrap.narrow{max-width:880px}
.lede + .hero-actions{margin-top:22px}

/* generic padded card */
.card.pad{padding:clamp(24px,3vw,34px)}
.card.pad h3{margin-top:0}

/* bigger check list */
.checks.lg li{padding:11px 0 11px 36px;font-size:16.5px}

/* provider form: two-col with full-width spanners */
.form-grid.two label{display:flex;flex-direction:column;gap:7px;font-weight:600;color:var(--ink-2);font-size:14.5px}
.form-grid.two .full{grid-column:1/-1}
.chips-field{grid-column:1/-1;border:0;padding:0;margin:4px 0}
.chips-field legend{font-weight:700;color:var(--ink-2);font-size:14.5px;margin-bottom:10px;padding:0}
.chips-field .chip{display:inline-flex;align-items:center;gap:8px;margin:0 8px 8px 0}
.chips-field .chip input{accent-color:var(--teal)}

/* band as flex row when it holds a CTA */
.band{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.band > div{flex:1 1 320px}

/* location pills */
.city-pill{background:#fff;border:1px solid var(--line);border-radius:14px;padding:13px 16px;
  font-weight:600;color:var(--ink-2);box-shadow:var(--shadow-sm);transition:.22s var(--ease);font-size:14.5px}
.city-pill:hover{border-color:var(--teal);color:var(--pine);transform:translateY(-3px)}

/* resources grid + cards (reuse .r-card base) */
.r-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.r-media{height:180px;overflow:hidden;background:linear-gradient(160deg,#f4faf9,#e7f3f2);display:grid;place-items:center}
.r-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--ease)}
.r-card:hover .r-media img{transform:scale(1.05)}
.r-body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
.r-cat{color:var(--teal);font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.1em}
.r-body h3{font-size:20px;margin:9px 0 8px;line-height:1.15}
.r-body p{color:var(--muted);font-size:14.5px;margin:0 0 16px}
.meta-line{margin-top:auto;color:var(--muted);font-size:13px;font-weight:600}
.r-more{margin-top:auto;color:var(--teal);font-weight:700;font-size:14px}

/* featured article card */
.feature-card{display:grid;grid-template-columns:1.05fr 1fr;gap:0;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm);transition:.3s var(--ease);margin-bottom:8px}
.feature-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.feature-media{background:linear-gradient(160deg,#f4faf9,#e7f3f2);min-height:280px;overflow:hidden}
.feature-media img{width:100%;height:100%;object-fit:cover}
.feature-body{padding:clamp(28px,3.5vw,46px);display:flex;flex-direction:column;justify-content:center}
.feature-body h2{font-size:clamp(24px,2.8vw,34px);margin:12px 0 12px;line-height:1.1}
.feature-body p{color:var(--muted);margin:0 0 18px}

/* filter chips */
.filter-row{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:32px}
.filter-chip{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:9px 18px;
  font-weight:600;font-size:14px;color:var(--ink-2);transition:.2s}
.filter-chip:hover{border-color:var(--teal)}
.filter-chip.on{background:var(--pine);color:#fff;border-color:var(--pine)}

/* article page head + layout */
.article-head{background:linear-gradient(135deg,var(--pine),var(--teal));color:#fff}
.article-head .wrap{padding-block:clamp(44px,5vw,70px)}
.article-head .eyebrow{color:var(--gold)}
.article-head h1{font-family:Fraunces;font-size:clamp(30px,4.4vw,52px);line-height:1.05;margin:10px 0 14px;max-width:20ch}
.article-head .lede{color:#d6efed;max-width:60ch}
.article-head .meta-line{color:#cfeae7;margin-top:14px}
.article-hero .wrap.narrow img{width:100%;height:auto;border-radius:var(--radius);margin-top:-40px;
  box-shadow:var(--shadow);position:relative;z-index:2}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:clamp(30px,5vw,64px);
  padding-block:clamp(40px,5vw,68px);align-items:start}
.aside-cta{background:linear-gradient(160deg,var(--pine),var(--teal));color:#fff;border-radius:var(--radius);
  padding:24px;box-shadow:var(--shadow-sm)}
.aside-cta h4{font-size:17px;margin:0 0 6px}
.aside-cta p{color:#d6efed;font-size:14px;margin:0 0 14px}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;box-shadow:var(--shadow-sm)}
.toc h4{font-size:14px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 8px}
.callout{padding:24px 26px;margin:34px 0 8px}
.callout h3{margin:0 0 8px;color:var(--pine)}
.callout p{margin:0 0 14px;color:var(--ink-2)}

/* faq accordion (details/summary) */
.faq details{border:1px solid var(--line);border-radius:18px;background:#fff;margin-bottom:12px;
  box-shadow:var(--shadow-sm);overflow:hidden}
.faq summary{display:flex;justify-content:space-between;align-items:center;gap:16px;cursor:pointer;
  list-style:none;padding:20px 24px;font-weight:700;color:var(--pine);font-size:17px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;width:26px;height:26px;border-radius:50%;background:var(--cream);
  color:var(--gold-deep);display:grid;place-items:center;font-size:18px;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .faq-body{padding:0 24px 22px}
.faq .faq-body p{color:var(--muted);font-size:15.5px;line-height:1.65;margin:0}

@media(max-width:1000px){
  .r-grid{grid-template-columns:repeat(2,1fr)}
  .feature-card{grid-template-columns:1fr}
  .feature-media{min-height:200px}
  .article-layout{grid-template-columns:1fr}
  .aside{position:static;flex-direction:column}
}
@media(max-width:640px){
  .r-grid{grid-template-columns:1fr}
  .city-grid{grid-template-columns:1fr 1fr}
  .form-grid.two{grid-template-columns:1fr}
  .band{flex-direction:column;align-items:flex-start}
}

/* =====================================================================
   v3 REFINEMENT LAYER — premium polish pass (cascades last).
   Elevates type, depth and detail. No structural/grid changes.
   ===================================================================== */

/* — material: layered, soft, premium shadows + warmer hairlines — */
:root{
  --shadow-sm:0 1px 2px rgba(12,41,42,.04), 0 10px 24px -14px rgba(12,41,42,.20);
  --shadow:0 2px 6px rgba(10,40,42,.05), 0 30px 60px -28px rgba(10,40,42,.40);
  --shadow-lg:0 6px 16px rgba(10,40,42,.07), 0 64px 120px -40px rgba(10,40,42,.46);
  --line:#e7f0ee; --line-soft:#eff6f4;
  --ring:0 0 0 3px rgba(15,100,102,.20);
}

/* — typography: optical sizing, soft axis, balanced wrapping, real features — */
h1,h2,h3,h4{font-optical-sizing:auto;font-variation-settings:"opsz" 120,"SOFT" 24;text-wrap:balance}
.hero h1,.page-hero h1,.section-head h2,.feature-body h2,.article-head h1{
  font-variation-settings:"opsz" 144,"SOFT" 34}
body{font-feature-settings:"liga" 1,"calt" 1;letter-spacing:-.006em}
p,.lede,.r-body p,.card p{text-wrap:pretty}
.lede{line-height:1.5}
.stat .num,.scorebar .ring i,.estimate-output .eo-num{font-feature-settings:"tnum" 1}

/* — fine detail: selection + accessible focus + subtle scrollbar — */
::selection{background:var(--gold);color:#2a2206}
:focus-visible{outline:none;box-shadow:var(--ring);border-radius:10px}
.btn:focus-visible{box-shadow:var(--ring),0 12px 26px -8px rgba(217,159,39,.45)}
*{scrollbar-width:thin;scrollbar-color:#cfe1df transparent}

/* — tactile paper grain film over the whole page (clicks pass through) — */
body::after{content:"";position:fixed;inset:0;z-index:9999;pointer-events:none;
  opacity:.55;mix-blend-mode:multiply;background-size:170px 170px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='170' height='170'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.05'/%3E%3C/svg%3E")}

/* — more generous, confident whitespace — */
.section{padding-block:clamp(64px,8vw,118px)}
.section-head{margin-bottom:clamp(40px,5vw,62px)}

/* — crafted gold rule beneath every section heading — */
.section-head::after{content:"";display:block;width:54px;height:3px;margin:22px auto 0;
  border-radius:3px;background:linear-gradient(90deg,var(--gold),var(--gold-deep))}
.section-head.left::after{margin-inline:0}

/* — buttons: gradient body, inner highlight, crisper depth — */
.btn.primary{background:linear-gradient(180deg,#ffda80,var(--gold) 52%,#edba3e);color:#2a2206;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.55),0 12px 26px -8px rgba(217,159,39,.5)}
.btn.primary:hover{box-shadow:inset 0 1px 0 rgba(255,255,255,.55),0 18px 34px -10px rgba(217,159,39,.62)}
.btn.dark{background:linear-gradient(180deg,#1a4c4d,var(--pine));
  box-shadow:inset 0 1px 0 rgba(255,255,255,.08),0 14px 30px -10px rgba(18,60,61,.5)}
.btn.ghost{box-shadow:0 1px 2px rgba(12,41,42,.05)}

/* — nav: animated gold underline instead of a fill — */
.main-nav a:not(.nav-cta){position:relative}
.main-nav a:not(.nav-cta):hover{background:transparent;color:var(--pine)}
.main-nav a:not(.nav-cta)::after{content:"";position:absolute;left:14px;right:14px;bottom:5px;height:2px;
  border-radius:2px;background:linear-gradient(90deg,var(--gold-deep),var(--gold));
  transform:scaleX(0);transform-origin:left;transition:transform .26s var(--ease)}
.main-nav a:not(.nav-cta):hover::after{transform:scaleX(1)}

/* — eyebrow: a finer ledger tick — */
.eyebrow{gap:10px}
.eyebrow::before{width:26px;background:linear-gradient(90deg,var(--gold-deep),var(--gold))}

/* — trust strip: soft wash — */
.trust-strip{background:linear-gradient(180deg,#ffffff,#f5fbfa)}

/* — tint sections: warmer wash + hairline framing — */
.section.tint{background:linear-gradient(180deg,#f4faf9,#edf6f3);
  border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}

/* — cards: hover reveals a thin gold cap; richer graphic wash — */
.card,.r-card{position:relative}
.card::before,.r-card::before{content:"";position:absolute;left:0;right:0;top:0;height:3px;z-index:2;
  opacity:0;transition:opacity .3s;border-radius:var(--radius) var(--radius) 0 0;
  background:linear-gradient(90deg,var(--gold),var(--gold-deep))}
.card:hover::before,.r-card:hover::before{opacity:1}
.card-graphic,.r-card .thumb,.r-media,.feature-media{
  background:radial-gradient(120% 120% at 22% 0,#f8fcfb,#e6f2f0)}
.card-graphic{box-shadow:inset 0 0 0 1px rgba(18,60,61,.05)}
.qcard{transition:transform .3s var(--ease),box-shadow .3s}
.qcard:hover{transform:translateY(-4px);box-shadow:var(--shadow)}

/* — process numerals as a teal gradient — */
.step{padding-top:34px}
.step .n::before{opacity:1;background:linear-gradient(180deg,var(--pine),var(--teal));
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}

/* — stat band: fine ledger dividers between figures — */
.statband .stat + .stat{box-shadow:inset 1px 0 0 rgba(255,255,255,.13)}
.stat .num{letter-spacing:-.02em}

/* — hero plate: ambient glow + hairline ring — */
.hero-visual .main-img{box-shadow:var(--shadow-lg),0 0 0 1px rgba(18,60,61,.06)}
.hero-visual::after{content:"";position:absolute;inset:-8% -5%;z-index:-1;filter:blur(10px);
  background:radial-gradient(58% 58% at 72% 28%,rgba(245,200,91,.20),transparent 70%)}
.floating-card{box-shadow:0 12px 32px -10px rgba(10,40,42,.30),0 0 0 1px rgba(18,60,61,.04)}

/* — inputs: cleaner field finish — */
input,select,textarea{background:#fff;border-color:#dde9e8}
input:hover,select:hover,textarea:hover{border-color:#c6dbd9}

/* — article inline links: underline grows on hover — */
.article-body a{background-image:linear-gradient(var(--gold-deep),var(--gold-deep));
  background-size:0% 2px;background-repeat:no-repeat;background-position:0 100%;
  text-decoration:none;transition:background-size .3s}
.article-body a:hover{background-size:100% 2px}

/* — footer: deeper wash + gold rule under column titles — */
.site-footer{background:linear-gradient(180deg,#0c2122,#091a1b)}
.site-footer h4{position:relative;padding-bottom:11px}
.site-footer h4::after{content:"";position:absolute;left:0;bottom:0;width:22px;height:2px;
  border-radius:2px;background:var(--gold-deep)}

/* =====================================================================
   v3.1 — redesigned footer (CTA band + 5-col + service areas)
   ===================================================================== */
.site-footer{padding-top:0;position:relative}
.site-footer::before{content:"";display:block;height:3px;margin-bottom:clamp(44px,5vw,64px);
  background:linear-gradient(90deg,transparent,var(--gold-deep),var(--gold),var(--gold-deep),transparent)}

/* footer CTA band */
.footer-cta{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;
  background:linear-gradient(135deg,#0f3a3b,#0f6466);border:1px solid rgba(255,255,255,.09);
  border-radius:var(--radius-lg);padding:clamp(30px,4vw,48px);
  margin-bottom:clamp(40px,5vw,60px);position:relative;overflow:hidden}
.footer-cta::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(52% 130% at 88% 0,rgba(245,200,91,.22),transparent 56%)}
.footer-cta>*{position:relative;z-index:1}
.footer-cta-copy{max-width:54ch}
.footer-cta h2{color:#fff;font-size:clamp(26px,3.2vw,42px);margin:10px 0 10px;line-height:1.05}
.footer-cta p{color:#cfeae7;margin:0;font-size:16px}
.footer-cta .eyebrow.light{color:var(--gold)}
.footer-cta .eyebrow.light::before{background:var(--gold)}
.footer-cta-actions{display:flex;gap:12px;flex-wrap:wrap}

/* 5-column layout */
.footer-grid{grid-template-columns:1.6fr repeat(4,1fr);gap:clamp(24px,3vw,40px)}
.footer-brand .footer-logo{width:248px;max-width:80%;margin-bottom:18px}
.footer-brand p{color:#9fbab8}
.footer-badges span{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.10)}
.site-footer .fcol a{position:relative;width:fit-content}
.site-footer .fcol a::after{content:"";position:absolute;left:0;bottom:2px;width:100%;height:1px;
  background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease)}
.site-footer .fcol a:hover::after{transform:scaleX(1)}

/* legal row */
.footer-legal{display:flex;gap:18px}
.footer-legal a{color:#9fbab8;transition:color .2s}
.footer-legal a:hover{color:var(--gold)}

@media(max-width:1000px){
  .footer-grid{grid-template-columns:1fr 1fr 1fr}
  .footer-brand{grid-column:1/-1}
}
@media(max-width:640px){
  .footer-cta{flex-direction:column;align-items:flex-start}
  .footer-cta-actions{width:100%}
  .footer-cta-actions .btn{flex:1;justify-content:center}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-bottom{flex-direction:column;align-items:flex-start;gap:12px}
}

/* =====================================================================
   v3.2 — TIGHTEN: denser spacing, hero-mounted quote form, cleaner film
   ===================================================================== */

/* calmer grain so the page reads crisp/clean */
body::after{opacity:.28}

/* tighter vertical rhythm everywhere */
.section{padding-block:clamp(44px,5.4vw,76px)}
.section-head{margin-bottom:clamp(26px,3vw,40px)}
.section-head p{margin-top:8px}
.section-head::after{margin-top:18px}
.cards,.process,.quotes{gap:16px}
.resource-grid,.r-grid{gap:18px}

/* hero now carries the quote form on the right */
.hero .wrap{grid-template-columns:1.02fr .98fr;align-items:start;gap:clamp(28px,4vw,52px);
  padding-block:clamp(30px,3.6vw,52px) clamp(30px,3.4vw,50px)}
.hero-copy{align-self:center}
.hero h1{font-size:clamp(36px,4.8vw,60px);margin:12px 0 12px;max-width:16ch}
.hero .lede{font-size:clamp(17px,1.7vw,19px);max-width:48ch}
.hero-points{list-style:none;padding:0;margin:18px 0 18px;display:grid;gap:9px}
.hero-points li{position:relative;padding-left:28px;color:var(--ink-2);font-weight:500;font-size:15.5px}
.hero-points li::before{content:"✓";position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:50%;
  background:var(--cream);color:var(--gold-deep);display:grid;place-items:center;font-size:12px;font-weight:800}
.hero-meta{margin-top:4px}

/* the in-hero form card — tighter, self-contained */
.hero-form{align-self:start}
.hero-form .lead-card{padding:clamp(20px,2.2vw,28px);box-shadow:var(--shadow-lg)}
.hero-form .lead-card h2{font-size:22px;margin:12px 0 5px}
.hero-form .lead-card .sub{font-size:14px;margin-bottom:14px}

/* general wizard tightening */
.lead-card .sub{margin-bottom:14px}
.wizard-steps{margin-bottom:16px;gap:6px}
.wpane h3{font-size:18.5px}
.wpane .hint{margin-bottom:12px}
.opt-grid{gap:9px}
.opt{padding:12px}
.form-grid{gap:10px;margin-bottom:10px}
textarea{min-height:92px}

/* tighten split + panels used lower on the page */
.split{gap:clamp(26px,4vw,48px)}
.checks li{padding:7px 0 7px 32px}

@media(max-width:1000px){
  .hero .wrap{grid-template-columns:1fr}
  .hero-form{max-width:560px;margin-inline:auto;width:100%}
  .hero-copy{text-align:left}
}

/* =====================================================================
   v3.3 — real imagery: framed action visuals + subtle ceiling texture
   ===================================================================== */
/* frameless media panel so illustrations read as real visuals */
.panel.media{padding:0;overflow:hidden;background:#eaf3f1;border-color:var(--line)}
.panel.media img{width:100%;height:auto;display:block;border-radius:inherit}

/* faint ceiling-grid texture behind the hero for depth (thematic, on-topic) */
.hero{position:relative}
.hero::before{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
  background:url("/assets/img/backgrounds/ceiling-pattern-bg.png") center/cover no-repeat;
  opacity:.16;mix-blend-mode:multiply}
.hero .wrap{position:relative;z-index:1}

/* =====================================================================
   v3.4 — stronger logo presence
   ===================================================================== */
.brand img{width:262px}
.site-header .wrap{padding-block:16px}
@media(max-width:640px){.brand img{width:212px}}

/* =====================================================================
   v3.5 — quote form ALWAYS works: no-JS shows the full form + submit
   ===================================================================== */
.wpane{display:block}                                   /* visible by default */
[data-wizard].wizard-on .wpane{display:none}            /* JS on -> one step at a time */
[data-wizard].wizard-on .wpane.active{display:block}
[data-wizard]:not(.wizard-on) .wizard-steps{display:none}
[data-wizard]:not(.wizard-on) [data-next],
[data-wizard]:not(.wizard-on) [data-back]{display:none} /* hide dead step buttons without JS */
[data-wizard]:not(.wizard-on) .wpane{margin-bottom:18px;padding-bottom:6px;border-bottom:1px solid var(--line-soft)}
[data-wizard]:not(.wizard-on) .wpane:last-of-type{border-bottom:0}
[data-wizard]:not(.wizard-on) .scorebar{display:none}

/* =====================================================================
   v3.6 — balanced hero image + contained quote section (kills the gap)
   ===================================================================== */
.hero .wrap{align-items:center}
.hero-visual{order:0}
.hero-visual .main-img{border:8px solid #fff;width:100%}
/* the form now lives in its own centered, contained section — tall is fine, no empty column beside it */
.quote-wrap{max-width:680px;margin-inline:auto}
.quote-wrap .lead-card{box-shadow:var(--shadow-lg)}
@media(max-width:1000px){
  .hero-visual{order:0;max-width:560px;margin-inline:auto;width:100%}
}

/* =====================================================================
   v3.7 — on-brand hero card (replaces the flat illustration)
   ===================================================================== */
.hero-visual{position:relative;display:flex;justify-content:center}
.hero-card{width:100%;max-width:440px;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:clamp(20px,2.4vw,28px);position:relative;z-index:2}
.hc-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.hc-badge{display:inline-flex;align-items:center;gap:7px;background:var(--cream);color:var(--gold-deep);
  font-weight:700;font-size:12.5px;padding:7px 13px;border-radius:999px;text-transform:uppercase;letter-spacing:.05em}
.hc-rating{font-weight:800;color:var(--gold-deep);font-size:15px}
.hc-main{display:flex;align-items:center;gap:14px;padding:16px;border-radius:18px;
  background:linear-gradient(135deg,var(--pine),var(--teal));color:#fff;margin-bottom:14px}
.hc-ico{width:48px;height:48px;flex:none;border-radius:13px;display:grid;place-items:center;background:rgba(255,255,255,.12)}
.hc-main-txt{flex:1}
.hc-main-txt b{display:block;font-family:Inter;font-weight:700;font-size:15px;line-height:1.25}
.hc-main-txt span{font-size:12.5px;color:#cfeae7}
.hc-check{flex:none;width:30px;height:30px;border-radius:50%;background:var(--gold);color:#27200c;
  display:grid;place-items:center;font-weight:800;font-size:16px}
.hc-lines{display:grid;gap:1px;background:var(--line-soft);border:1px solid var(--line-soft);
  border-radius:14px;overflow:hidden;margin-bottom:16px}
.hc-line{display:flex;justify-content:space-between;align-items:center;gap:12px;background:#fff;padding:12px 15px}
.hc-line span{color:var(--muted);font-size:13px;font-weight:600}
.hc-line b{font-family:Inter;font-weight:700;font-size:13.5px;color:var(--ink)}
.hero-card .btn.full{margin-top:2px}
.hero-float{position:absolute;right:-10px;bottom:-18px;z-index:3;background:#fff;border:1px solid var(--line);
  border-radius:16px;padding:12px 16px;box-shadow:var(--shadow);text-align:center}
.hero-float b{display:block;font-family:Fraunces;font-size:22px;color:var(--pine);line-height:1}
.hero-float span{font-size:11.5px;color:var(--muted);font-weight:600}
@media(max-width:1000px){
  .hero-visual{order:0;max-width:440px;margin-inline:auto;width:100%}
  .hero-float{right:0}
}

/* =====================================================================
   v3.8 — quote page: top-aligned columns + image fills the side (no gap)
   ===================================================================== */
.quote-split{align-items:start}
.quote-split .panel.media{margin:0 0 20px}
.quote-split .panel.media img{width:100%;height:auto;display:block;border-radius:inherit}

/* quote page: keep the right column beside the tall form instead of leaving dead space */
@media (min-width: 921px){
  .quote-split{align-items:start}
  .quote-split > div:last-child{position:sticky; top:96px}
}

/* resources hub: 2-up grid so an odd card never leaves a hole between cards */
@media (min-width: 921px){
  .r-grid{grid-template-columns:repeat(2,1fr)}
  /* if the last row has a lone card, let it span the full width instead of sitting half-empty */
  .r-grid > .r-card:last-child:nth-child(odd){grid-column:1 / -1}
  .r-grid > .r-card:last-child:nth-child(odd) .r-media{aspect-ratio:21/9}
}