:root{
  --pine:#1d3a30; --pine-d:#12251e; --pine-l:#2f5a4a;
  --sand:#f3ead8; --cream:#fbf8f1; --paper:#fff;
  --cran:#b3223f; --cran-d:#8f1a32;
  --ink:#1b2420; --mute:#5b6660; --line:rgba(29,58,48,.16);
  --disp:'Young Serif',Georgia,serif; --body:'Figtree',system-ui,sans-serif; --mono:'DM Mono',ui-monospace,monospace;
}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:var(--body);color:var(--ink);background:var(--cream);font-size:1.0625rem;line-height:1.65}
img{max-width:100%;height:auto}
h1,h2,h3{font-family:var(--disp);font-weight:400;line-height:1.1;color:var(--pine)}
a{color:var(--pine-l)}
.eyebrow{font-family:var(--mono);font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--cran);margin-bottom:.75rem}
.eyebrow-light{color:#ffd9a8}

/* utility bar */
.utility{background:var(--pine-d);color:#dfe9e3;font-size:.85rem;padding:.4rem 0}
.utility a{color:#fff;text-decoration:none}
.utility a:hover{text-decoration:underline}
.u-item i{margin-right:.3rem;color:#ffd9a8}
.u-sep{opacity:.4;margin:0 .4rem}

/* main nav */
.mainbar{background:rgba(251,248,241,.97);border-bottom:1px solid var(--line);padding:.55rem 0;backdrop-filter:blur(6px)}
.navbar-brand{display:flex;align-items:center;gap:.7rem;margin:0}
.brand-chip{background:#fff;border:1px solid var(--line);border-radius:10px;padding:3px 6px;display:inline-flex}
.brand-chip img{height:36px;width:auto}
.brand-name{font-family:var(--disp);color:var(--pine);font-size:1.05rem;line-height:1.1;white-space:normal}
.mainbar .nav-link{font-weight:600;color:var(--ink);font-size:.95rem;padding:.5rem .7rem}
.mainbar .nav-link:hover{color:var(--cran)}
.btn-quote{background:var(--cran);color:#fff;border:0;font-weight:700;border-radius:999px;padding:.55rem 1.3rem}
.btn-quote:hover{background:var(--cran-d);color:#fff}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border:2px solid #fff;font-weight:700;border-radius:999px}
.btn-ghost:hover{background:#fff;color:var(--pine)}
.btn-lg{padding:.75rem 1.6rem;font-size:1.05rem}
@media(max-width:991px){.navbar-brand{flex:1 1 auto;min-width:0;max-width:calc(100% - 64px)}.brand-chip img{height:30px}.brand-name{font-size:.9rem}.navbar-collapse{padding:1rem 0}}
@media(max-width:400px){.brand-chip{display:none}}

/* hero: compact, curved bottom edge, centered */
.hero{position:relative;min-height:82vh;display:flex;align-items:center;justify-content:center;text-align:center;color:#fff;
  background:
    radial-gradient(ellipse 75% 65% at 50% 48%, rgba(8,22,16,0.35) 0%, rgba(8,22,16,0.04) 100%),
    linear-gradient(to bottom, rgba(8,22,16,0.30) 0%, rgba(8,22,16,0.10) 45%, rgba(8,22,16,0.45) 100%),
    url('img/hero.webp') center/cover no-repeat;
  clip-path:ellipse(120% 100% at 50% 0);padding:4rem 0 6rem}
.topo{position:absolute;inset:auto 0 0 0;width:100%;height:55%;opacity:.22;pointer-events:none}
.hero-content{position:relative;max-width:820px;margin:0 auto;padding:2.25rem 1.5rem;border-radius:22px;
  background:rgba(0,0,0,0.20);backdrop-filter:blur(3px);-webkit-backdrop-filter:blur(3px)}
.hero-eyebrow{font-family:var(--mono);font-size:.82rem;letter-spacing:.16em;text-transform:uppercase;color:#fff;margin-bottom:1rem;
  text-shadow:0 0 3px rgba(0,0,0,1),0 1px 12px rgba(0,0,0,0.95),0 0 30px rgba(0,0,0,0.8)}
.hero-title{font-size:clamp(2.4rem,6.4vw,4.6rem);color:#fff;margin-bottom:1rem;
  text-shadow:0 0 4px rgba(0,0,0,1),0 2px 20px rgba(0,0,0,0.95),0 0 60px rgba(0,0,0,0.8)}
.hero-subtitle{font-size:clamp(1.05rem,2.2vw,1.3rem);max-width:640px;margin:0 auto .75rem;color:#fff;
  text-shadow:0 0 3px rgba(0,0,0,1),0 2px 16px rgba(0,0,0,0.95),0 0 40px rgba(0,0,0,0.85)}
.hero-tagline{font-weight:600;margin:0;color:#fff;
  text-shadow:0 0 3px rgba(0,0,0,1),0 1px 12px rgba(0,0,0,0.95),0 0 30px rgba(0,0,0,0.9)}
@media(max-width:575px){.hero{min-height:auto;padding:3rem 0 5rem}.hero-content{padding:1.5rem 1rem}}

/* strip */
.strip{background:var(--sand);margin-top:-1px}
.strip-cell{padding:1.5rem .5rem;display:flex;flex-direction:column;align-items:center;gap:.1rem;border-right:1px solid var(--line)}
.strip-cell:last-child{border-right:0}
.strip-cell i{font-size:1.6rem;color:var(--cran)}
.strip-cell b{font-family:var(--disp);font-weight:400;color:var(--pine);font-size:1.15rem}
.strip-cell span{font-family:var(--mono);font-size:.75rem;color:var(--mute);letter-spacing:.06em}
@media(max-width:767px){.strip-cell:nth-child(2){border-right:0}.strip-cell:nth-child(-n+2){border-bottom:1px solid var(--line)}}

/* sections */
.sec{padding:6rem 0;position:relative;overflow:hidden}
.sec-sand{background:var(--sand)}
.sec h2{font-size:clamp(2rem,4.4vw,3.2rem);margin-bottom:1rem}
.sec-head{position:relative;margin-bottom:2.5rem}
.sec-head>*:not(.big-num){max-width:720px}
.lead-in{font-size:1.15rem;color:var(--mute)}
.big-num{position:absolute;right:0;top:-1.6rem;font-family:var(--disp);font-size:7rem;line-height:1;color:transparent;-webkit-text-stroke:1.5px rgba(29,58,48,.22);pointer-events:none}
.col-lg-7 .big-num,.col-lg-5 .big-num,.col-lg-4 .big-num{position:static;display:block;margin-bottom:.1rem;font-size:5rem}
@media(max-width:575px){.big-num{font-size:4.5rem}.sec{padding:4rem 0}}

/* coverage tabs + index list */
.cov-tabs{gap:.5rem;margin-bottom:1.5rem;border-bottom:1px solid var(--line);padding-bottom:1.25rem}
.cov-tabs .nav-link{font-weight:700;color:var(--pine);border:2px solid var(--pine);border-radius:999px;padding:.5rem 1.4rem}
.cov-tabs .nav-link.active{background:var(--pine);color:#fff}
.svc-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;column-gap:3rem}
.svc{display:grid;grid-template-columns:3rem 1fr auto;gap:1rem;align-items:start;padding:1.25rem 0;border-bottom:1px solid var(--line)}
.svc-n{font-family:var(--mono);color:var(--cran);font-size:.9rem;padding-top:.35rem}
.svc-b h3{font-size:1.35rem;margin-bottom:.25rem}
.svc-b p{margin:0;color:var(--mute);font-size:.97rem;line-height:1.55}
.svc-q{font-family:var(--mono);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--pine);text-decoration:none;white-space:nowrap;padding-top:.4rem;font-weight:500}
.svc-q:hover{color:var(--cran)}
.svc-fill{background:var(--sand);padding-left:1rem;padding-right:1rem;border-radius:10px;border-bottom:0}
.svc-fill .svc-n{font-size:1.4rem;padding-top:0;color:var(--pine)}
@media(max-width:991px){.svc-list{grid-template-columns:1fr}}
@media(max-width:575px){.svc{grid-template-columns:2.25rem 1fr;gap:.6rem}.svc-q{grid-column:2}}

/* coastal band */
.coast{position:relative;color:#fff;padding:7rem 0;overflow:hidden}
.coast>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 40%}
.coast-veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,37,30,.82) 0%,rgba(18,37,30,.55) 55%,rgba(18,37,30,.15) 100%)}
.coast .container{position:relative}
.coast-card{max-width:560px}
.coast h2{color:#fff;font-size:clamp(1.9rem,4vw,3rem);margin-bottom:1rem}
.coast p{font-size:1.1rem}

/* policy service cards */
.ps-card{display:flex;flex-direction:column;height:100%;background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.75rem;text-decoration:none;color:var(--ink);transition:transform .2s,box-shadow .2s;box-shadow:6px 6px 0 var(--pine)}
.ps-card:hover{transform:translate(-2px,-2px);box-shadow:9px 9px 0 var(--cran);color:var(--ink)}
.ps-ic{width:52px;height:52px;border-radius:50%;background:var(--sand);color:var(--pine);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:1rem}
.ps-card h3{font-size:1.4rem;margin-bottom:.5rem}
.ps-card p{color:var(--mute);font-size:.97rem;flex:1}
.ps-go{font-family:var(--mono);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--cran);font-weight:500}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:2rem;height:100%}
.panel h3{font-size:1.5rem;margin-bottom:.75rem}
.panel h3 i{color:var(--cran);margin-right:.35rem}
.panel>p{color:var(--mute);font-size:.97rem}
.pill-grid{display:grid;grid-template-columns:1fr 1fr;gap:.6rem;margin-top:1.25rem}
.pill-grid-4{grid-template-columns:repeat(4,1fr)}
.pill{display:flex;justify-content:space-between;align-items:center;gap:.5rem;padding:.6rem .9rem;border:1.5px solid var(--line);border-radius:10px;font-weight:600;font-size:.92rem;color:var(--pine);text-decoration:none;background:var(--cream)}
.pill i{font-size:.8rem;color:var(--cran);flex:none}
.pill:hover{border-color:var(--pine);background:var(--pine);color:#fff}
.pill:hover i{color:#ffd9a8}
.pill-fill{background:var(--sand);border-style:dashed}
@media(max-width:991px){.pill-grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:420px){.pill-grid{grid-template-columns:1fr}.panel{padding:1.4rem}}

/* carriers */
.carriers{background:#fff;padding:4rem 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.logo-wall{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:1.5rem}
.logo-cell{display:flex;align-items:center;justify-content:center;height:96px;border:1px solid var(--line);border-radius:14px;padding:1rem;background:#fff}
.logo-cell img{max-height:56px;max-width:150px;width:auto;height:auto;object-fit:contain}
.logo-fill{background:var(--pine);border-color:var(--pine);color:#fff;font-family:var(--disp);text-align:center;line-height:1.1}
@media(max-width:767px){.logo-wall{grid-template-columns:repeat(2,1fr)}}
@media(min-width:768px) and (max-width:991px){.logo-wall{grid-template-columns:repeat(3,1fr)}}

/* about */
.arch-wrap{position:relative;max-width:420px;margin:0 auto}
.arch{border-radius:999px 999px 24px 24px;overflow:hidden;border:10px solid var(--pine);background:var(--sand);box-shadow:14px 14px 0 var(--sand)}
.arch img{display:block;width:100%;height:auto}
.arch-badge{position:absolute;right:-12px;bottom:28px;background:var(--cran);color:#fff;border-radius:50%;width:112px;height:112px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;transform:rotate(-8deg);font-size:.7rem;line-height:1.15;padding:.5rem;box-shadow:0 6px 18px rgba(0,0,0,.2)}
.arch-badge b{font-family:var(--disp);font-weight:400;font-size:1.6rem}
.leader{margin-top:1.75rem;padding-left:1.25rem;border-left:4px solid var(--cran)}
.leader h3{font-size:1.6rem;margin-bottom:.1rem}
.role{font-family:var(--mono);font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--cran);margin-bottom:.5rem}
.mini{display:flex;gap:1.25rem;align-items:center;background:var(--sand);border-radius:18px;padding:1.5rem;height:100%}
.mini h3{font-size:1.3rem;margin-bottom:.35rem}
.mini p{margin-bottom:.4rem;font-size:.97rem}
.mini-img{flex:none;width:96px;height:96px;border-radius:50%;background:#fff;overflow:hidden;display:flex;align-items:center;justify-content:center}
.mini-img img{width:84px;height:auto}
.mini-ic{flex:none;width:96px;height:96px;border-radius:50%;background:var(--pine);color:#ffd9a8;display:flex;align-items:center;justify-content:center;font-size:2.2rem}
@media(max-width:575px){.mini{flex-direction:column;text-align:center}}

/* quote band */
.quote-band{background:var(--pine);color:#e7efe9;padding:5.5rem 0;position:relative;overflow:hidden}
.quote-band h2{color:#fff;font-size:clamp(1.9rem,4.4vw,3.1rem);max-width:760px;margin:0 auto 1rem}
.quote-band p{max-width:620px;margin:0 auto 1.75rem;font-size:1.1rem}
.quote-band .btn-quote{box-shadow:0 0 0 2px #ffd9a8 inset}

/* blog */
.posts{list-style:none;padding:0;margin:0}
.posts li{display:grid;grid-template-columns:120px 1fr;gap:1.25rem;padding:1.4rem 0;border-bottom:1px solid var(--line)}
.posts time{font-family:var(--mono);font-size:.8rem;color:var(--cran);padding-top:.35rem}
.posts h3{font-size:1.3rem;margin-bottom:.3rem}
.posts p{margin:0;color:var(--mute);font-size:.97rem}
@media(max-width:575px){.posts li{grid-template-columns:1fr;gap:.2rem}}

/* contact */
.contact-list{margin:1.5rem 0 0}
.contact-list>div{padding:.9rem 0;border-bottom:1px solid var(--line)}
.contact-list dt{font-family:var(--mono);font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--cran);font-weight:500}
.contact-list dd{margin:.2rem 0 0;font-size:1.1rem}
.contact-list a{color:var(--pine);font-weight:600}
.map-frame{border-radius:20px;overflow:hidden;border:10px solid var(--pine);height:100%;min-height:420px;box-shadow:14px 14px 0 var(--sand)}
.map-frame iframe{width:100%;height:100%;min-height:400px;border:0;display:block}

/* footer */
.site-footer{background:var(--pine-d);color:#cfdcd5;padding:3.5rem 0 1.5rem}
.f-name{font-family:var(--disp);color:#fff;font-size:1.5rem;margin-bottom:.2rem}
.f-addr{margin:0;font-size:.95rem}
.f-links{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem 1.25rem;padding:0;margin:0}
.f-links a{color:#fff;text-decoration:none;font-weight:600}
.f-links a:hover{color:#ffd9a8}
.f-soc{display:inline-flex;width:44px;height:44px;border:1.5px solid rgba(255,255,255,.4);border-radius:50%;align-items:center;justify-content:center;color:#fff;font-size:1.15rem;margin-left:.5rem;text-decoration:none}
.f-soc:hover{background:#fff;color:var(--pine)}
.f-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1rem;margin-top:2.5rem;padding-top:1.25rem;border-top:1px solid rgba(255,255,255,.14);font-size:.78rem}
.f-bottom span{max-width:640px;opacity:.8}
.powered{display:inline-flex;align-items:center;gap:.4rem;background:#22d3ee;color:#0f172a;font-weight:700;text-decoration:none;border-radius:999px;padding:.5rem 1.1rem;font-size:.85rem}
.powered:hover{background:#fff;color:#0f172a}