:root{
  --bg:#f7f5f0; --paper:#fffdf9; --ink:#1d211f; --muted:#5b605c; --line:#dcd8cf;
  --green:#1f4d3d; --green-d:#15352a; --cta:#e39a3b; --cta-h:#d1872a;
  --serif:'Newsreader',Georgia,serif; --sans:'Manrope',system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--green);text-decoration:none}
a:hover{color:var(--cta-h)}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.1;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(2.6rem,6vw,5rem)}
h2{font-size:clamp(2rem,3.6vw,3rem);margin-bottom:1.2rem}
h3{font-size:1.6rem}
p{text-wrap:pretty}
.wrap{max-width:1240px;margin:0 auto;padding:0 28px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--green);margin-bottom:1rem;display:block}
.eyebrow.light,.hero .eyebrow{color:#f3c58a}
.muted{color:var(--muted)} .big{font-size:1.2rem}
.fine{font-size:.85rem;color:var(--muted);margin-top:2rem}
.text-link{font-weight:700;border-bottom:1.5px solid currentColor;padding-bottom:2px}
.text-link.light{color:#fff}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--sans);font-weight:700;font-size:.95rem;padding:.85rem 1.5rem;border-radius:999px;border:1.5px solid transparent;cursor:pointer;transition:.2s;white-space:nowrap}
.btn-lg{padding:1.05rem 1.9rem;font-size:1rem}
.btn-block{width:100%}
.btn-cta{background:var(--cta);color:#1d1407}
.btn-cta:hover{background:var(--cta-h);color:#1d1407}
.btn-dark{background:var(--green);color:#fff}
.btn-dark:hover{background:var(--green-d);color:#fff}
.btn-ghost-light{border-color:rgba(255,255,255,.7);color:#fff}
.btn-ghost-light:hover{background:#fff;color:var(--ink)}

/* header */
.topbar{background:var(--green-d);color:#e8ede9;font-size:.82rem}
.topbar-in{display:flex;justify-content:space-between;gap:1rem;padding-top:.5rem;padding-bottom:.5rem}
.topbar a{color:#fff;font-weight:700}
.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:2rem;height:78px}
.logo{font-family:var(--serif);font-size:1.6rem;color:var(--ink);letter-spacing:-.01em}
.logo em{font-style:italic;color:var(--green)}
.logo-light{color:#fff} .logo-light em{color:#f3c58a}
.main-nav{display:flex;align-items:center;gap:1.6rem}
.nav-link{color:var(--ink);font-weight:600;font-size:.93rem;padding:.4rem 0;border-bottom:2px solid transparent;display:inline-flex;align-items:center;gap:.4rem}
.nav-link:hover,.nav-link.is-active{color:var(--green);border-bottom-color:var(--cta)}
.caret{width:7px;height:7px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.has-drop{position:relative}
.drop{position:absolute;top:100%;left:-1.2rem;min-width:250px;background:var(--paper);border-top:3px solid var(--cta);box-shadow:0 18px 40px rgba(20,30,25,.14);padding:.6rem 0;opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s}
.has-drop:hover .drop,.has-drop:focus-within .drop{opacity:1;visibility:visible;transform:none}
.drop a{display:block;padding:.55rem 1.2rem;color:var(--ink);font-weight:500;font-size:.93rem}
.drop a:hover{background:var(--bg);color:var(--green)}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;flex-direction:column;justify-content:center;gap:7px;align-items:center}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--ink)}

/* hero */
.hero{position:relative;background:#2a332e center/cover no-repeat;color:#fff;min-height:560px;display:flex;align-items:flex-end}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,24,19,.82) 0%,rgba(14,24,19,.55) 55%,rgba(14,24,19,.2) 100%)}
.hero-home{min-height:min(88vh,820px)}
.hero-in{position:relative;padding-top:120px;padding-bottom:90px;max-width:1240px;width:100%}
.hero h1{max-width:15ch;margin-bottom:1.4rem}
.hero .lead{max-width:600px;font-size:1.15rem;color:#e9ece9;margin-bottom:2rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:1rem}
.zip-form{display:flex;max-width:520px;background:#fff;border-radius:999px;padding:6px;gap:6px}
.zip-form input{flex:1;min-width:0;border:0;outline:0;padding:0 1.2rem;font:inherit;font-size:1rem;background:transparent;color:var(--ink)}
.hero-note{font-size:.82rem;color:#cdd3cf;margin-top:1rem;max-width:520px}

/* sections */
.section{padding:110px 0}
.section.alt{background:var(--paper)}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:2rem;margin-bottom:2.5rem;flex-wrap:wrap}
.section-head h2{margin-bottom:0}
.two-col{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:5rem;align-items:start}

.split,.contact-split{display:grid;grid-template-columns:1fr 1fr;min-height:640px;background:var(--paper)}
.split-img{background:#c9c4b8 center/cover no-repeat;min-height:380px}
.split-text{padding:100px clamp(28px,6vw,96px);display:flex;flex-direction:column;justify-content:center;align-items:flex-start}

.rule-list{list-style:none;border-top:1px solid var(--line);width:100%;margin-bottom:2.2rem}
.rule-list li{display:flex;gap:1.4rem;align-items:baseline;padding:1.15rem 0;border-bottom:1px solid var(--line);font-size:1.15rem;font-weight:500}
.rule-list li span{font-size:.8rem;font-weight:700;color:var(--cta-h);letter-spacing:.1em}
.rule-list.check li::before{content:"";flex:none;width:9px;height:15px;border-right:2.5px solid var(--green);border-bottom:2.5px solid var(--green);transform:rotate(45deg) translateY(-3px);margin:0 .4rem 0 .2rem}
.rule-list.sm li{font-size:1rem;padding:.8rem 0}
.plan-tag{margin-top:1.5rem;padding-top:1.2rem;border-top:1px solid var(--line);font-size:.95rem}

/* steps */
.steps{background:var(--green);color:#fff;padding:110px 0}
.h2-light{color:#fff;max-width:18ch}
.steps-row{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);margin-top:3.5rem;border-top:1px solid rgba(255,255,255,.22)}
.steps-row li{padding:2.2rem 2.5rem 0 0;margin-right:2.5rem;border-right:1px solid rgba(255,255,255,.18)}
.steps-row li:last-child{border-right:0;margin-right:0}
.steps-row .num{font-family:var(--serif);font-size:4rem;color:#f3c58a;line-height:1;display:block;margin-bottom:1.2rem}
.steps-row h3{margin-bottom:.7rem}
.steps-row p{color:#d4ddd8}

/* coverage index */
.index-list{list-style:none;border-top:1px solid var(--ink)}
.index-list a{display:grid;grid-template-columns:120px minmax(0,1.1fr) minmax(0,1.6fr) 40px;gap:2rem;align-items:center;padding:1.4rem 0;border-bottom:1px solid var(--line);color:var(--ink);transition:.25s}
.index-list .thumb{width:120px;height:80px;background:#c9c4b8 center/cover;filter:grayscale(.4);transition:.25s}
.index-list .idx-name{font-family:var(--serif);font-size:1.75rem;line-height:1.15}
.index-list .idx-desc{color:var(--muted);font-size:.98rem}
.index-list .arrow{font-size:1.5rem;color:var(--green);transition:.25s}
.index-list a:hover{padding-left:1rem;color:var(--green)}
.index-list a:hover .thumb{filter:none}
.index-list a:hover .arrow{transform:translateX(6px);color:var(--cta-h)}

/* banner + duo */
.banner{position:relative;background:#2a332e center/cover fixed no-repeat;color:#fff;padding:150px 0}
.banner::before{content:"";position:absolute;inset:0;background:rgba(14,24,19,.62)}
.banner-in{position:relative;max-width:760px;margin-left:max(28px,calc((100vw - 1240px)/2 + 28px))}
.banner h2{font-size:clamp(2.2rem,4.2vw,3.6rem)}
.banner p{font-size:1.15rem;color:#e3e8e5;margin-bottom:2rem}
.duo{display:grid;grid-template-columns:1fr 1fr}
.duo-item{position:relative;min-height:540px;background:#2a332e center/cover no-repeat;color:#fff;padding:60px clamp(28px,5vw,72px);display:flex;flex-direction:column;justify-content:flex-end;overflow:hidden}
.duo-item::before{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(14,24,19,.88) 0%,rgba(14,24,19,.25) 70%);transition:.3s}
.duo-item>*{position:relative}
.duo-item h3{font-size:2.4rem;margin-bottom:.8rem}
.duo-item p{color:#e3e8e5;max-width:460px;margin-bottom:1.4rem}
.duo-item:hover{color:#fff}
.duo-item:hover::before{background:linear-gradient(0deg,rgba(31,77,61,.92) 0%,rgba(31,77,61,.4) 80%)}

/* faq */
.faq-list{border-top:1px solid var(--ink)}
.faq-list details{border-bottom:1px solid var(--line)}
.faq-list summary{list-style:none;cursor:pointer;padding:1.5rem 3rem 1.5rem 0;font-family:var(--serif);font-size:1.5rem;position:relative}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";position:absolute;right:0;top:1.2rem;font-family:var(--sans);font-size:1.8rem;color:var(--green);transition:.2s}
.faq-list details[open] summary::after{transform:rotate(45deg)}
.faq-list details p{padding:0 3rem 1.6rem 0;color:var(--muted);font-size:1.05rem}

/* forms */
.contact-form-wrap{padding:90px clamp(28px,6vw,96px);display:flex;align-items:center}
.quote-form{width:100%;max-width:560px}
.quote-form h2{margin-bottom:1.8rem}
.quote-form label{display:block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:1.2rem}
.quote-form input:not([type=checkbox]),.quote-form textarea{display:block;width:100%;margin-top:.4rem;border:0;border-bottom:1.5px solid var(--line);background:transparent;padding:.7rem 0;font:inherit;font-size:1.05rem;color:var(--ink);text-transform:none;letter-spacing:0;outline:0;transition:.2s;resize:vertical}
.quote-form input:focus,.quote-form textarea:focus{border-bottom-color:var(--green)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.consent{display:flex!important;gap:.8rem;align-items:flex-start;text-transform:none!important;letter-spacing:0!important;font-weight:400!important;font-size:.8rem!important;line-height:1.5;margin:.4rem 0 1.6rem!important}
.consent input{margin-top:.2rem;width:18px;height:18px;flex:none;accent-color:var(--green)}
.hp{position:absolute;left:-9999px}
.form-msg{padding:1rem 0;margin-bottom:1rem;border-top:2px solid;border-bottom:1px solid var(--line);font-weight:600}
.form-msg.ok{color:var(--green)} .form-msg.err{color:#a3361f}
.contact-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:6rem}
.contact-info dl{margin-top:2rem;border-top:1px solid var(--line)}
.contact-info dt{font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);padding-top:1.2rem}
.contact-info dd{font-family:var(--serif);font-size:1.5rem;padding-bottom:1.2rem;border-bottom:1px solid var(--line)}

/* plans */
.plans{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--ink)}
.plan{padding:2.6rem 2.4rem 2.4rem;border-right:1px solid var(--line);display:flex;flex-direction:column}
.plan:first-child{padding-left:0} .plan:last-child{border-right:0;padding-right:0}
.plan h3{font-size:2.2rem;margin-bottom:.5rem}
.plan .muted{margin-bottom:1.8rem}
.plan .rule-list{flex:1}
.plan.featured{border-top:4px solid var(--cta);margin-top:-2.5px}

/* legal */
.legal-hero{padding:90px 0 50px;border-bottom:1px solid var(--line);background:var(--paper)}
.legal-hero h1{font-size:clamp(2.4rem,5vw,4rem);margin-bottom:.6rem}
.legal{display:grid;grid-template-columns:240px minmax(0,1fr);gap:5rem;align-items:start}
.legal-nav{position:sticky;top:110px;display:flex;flex-direction:column;border-top:1px solid var(--ink)}
.legal-nav a{padding:.85rem 0;border-bottom:1px solid var(--line);color:var(--muted);font-weight:600;font-size:.93rem}
.legal-nav a.is-active,.legal-nav a:hover{color:var(--green)}
.legal-nav a.is-active{border-bottom-color:var(--cta)}
.legal article{max-width:760px}
.legal article h2{font-size:1.75rem;margin:2.6rem 0 .8rem}
.legal article h2:first-child{margin-top:0}
.legal article p,.legal article li{color:#3a3f3c;margin-bottom:.8rem}
.legal article ul{padding-left:1.2rem}

/* cta band + footer */
.cta-band{background:var(--cta);padding:90px 0;color:#1d1407}
.cta-band-in{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:1rem 4rem;align-items:end}
.cta-band h2{margin:0;font-size:clamp(2.2rem,4vw,3.4rem)}
.cta-band p{font-size:1.1rem}
.cta-actions{grid-column:1/-1;display:flex;gap:1rem;flex-wrap:wrap;margin-top:1.5rem}
.cta-band .btn-cta{background:var(--green-d);color:#fff}
.cta-band .btn-cta:hover{background:#0c2219}
.cta-band .btn-ghost-light{border-color:#1d1407;color:#1d1407}
.cta-band .btn-ghost-light:hover{background:#1d1407;color:#fff}
.site-footer{background:#141a17;color:#b9c1bc;padding:90px 0 40px;font-size:.93rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:3rem;padding-bottom:60px;border-bottom:1px solid #2c3530}
.footer-grid h4{color:#fff;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:1.2rem}
.footer-grid a{display:block;color:#b9c1bc;padding:.25rem 0}
.footer-grid a:hover{color:#f3c58a}
.footer-brand p{margin-top:1.2rem;max-width:300px}
.footer-brand p a{display:inline;color:#fff}
.footer-bottom{padding-top:30px;display:flex;justify-content:space-between;gap:2rem;flex-wrap:wrap;font-size:.84rem}
.footer-bottom .disclaimer{max-width:720px;color:#d7ddd9}

/* responsive */
@media (max-width:1080px){
  .nav-toggle{display:flex}
  .main-nav{position:fixed;inset:118px 0 0 0;background:var(--paper);flex-direction:column;align-items:stretch;gap:0;padding:1rem 28px 2rem;overflow-y:auto;transform:translateX(100%);transition:.3s}
  .main-nav.open{transform:none}
  .nav-link{padding:1rem 0;border-bottom:1px solid var(--line);font-size:1.05rem;width:100%}
  .drop{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 .5rem 1rem;background:transparent}
  .nav-cta{margin-top:1.5rem}
  .index-list a{grid-template-columns:90px minmax(0,1fr) 30px;gap:1.2rem}
  .index-list .thumb{width:90px;height:64px}
  .index-list .idx-desc{grid-column:2/3;grid-row:2;font-size:.9rem}
  .index-list .arrow{grid-row:1/3;grid-column:3}
  .index-list .thumb{grid-row:1/3}
}
@media (max-width:860px){
  body{font-size:16px}
  .section,.steps{padding:80px 0}
  .two-col,.contact-grid,.legal,.cta-band-in{grid-template-columns:1fr;gap:2.5rem}
  .split,.contact-split,.duo{grid-template-columns:1fr}
  .split-text,.contact-form-wrap{padding:70px 28px}
  .steps-row,.plans{grid-template-columns:1fr}
  .steps-row li{border-right:0;margin-right:0;padding:2rem 0;border-bottom:1px solid rgba(255,255,255,.18)}
  .plan,.plan:first-child,.plan:last-child{padding:2.4rem 0;border-right:0;border-bottom:1px solid var(--line)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .legal-nav{position:static}
  .banner{background-attachment:scroll;padding:100px 0}
  .topbar-in span{display:none}
  .topbar-in{justify-content:flex-end}
}
@media (max-width:520px){
  .row2,.footer-grid{grid-template-columns:1fr}
  .zip-form{flex-direction:column;border-radius:20px}
  .zip-form input{padding:.9rem 1rem}
  .hero-in{padding-top:80px;padding-bottom:60px}
}