/* Layout: calm independent-agency site. Sticky header, one wide column (max 1160px),
   asymmetric hero with a "plain-words policy card", quote wizard as a stepped panel. */
:root{
  --bg:#F2F5F3; --surface:#FFFFFF; --tint:#E3ECE8; --ink:#15302B; --muted:#586D67;
  --line:#D3DFDA; --accent:#1E6B59; --accent-ink:#FFFFFF; --sun:#E3A03A; --sun-soft:#FBEBD1;
  --good:#2E7D4F;
  --display:"Newsreader", "Iowan Old Style", Georgia, serif;
  --body:"Figtree", "Segoe UI", system-ui, sans-serif;
  --r:14px; --maxw:1160px;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0E1916; --surface:#15231F; --tint:#1C2E29; --ink:#E4EEEA; --muted:#9AB0A9;
  --line:#2A3F39; --accent:#62C2A6; --accent-ink:#0C1C18; --sun:#F0B557; --sun-soft:#3A2E1A; --good:#6FCB94;
  color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0E1916; --surface:#15231F; --tint:#1C2E29; --ink:#E4EEEA; --muted:#9AB0A9;
  --line:#2A3F39; --accent:#62C2A6; --accent-ink:#0C1C18; --sun:#F0B557; --sun-soft:#3A2E1A; --good:#6FCB94;
  color-scheme:dark}

*{box-sizing:border-box}
body{background:var(--bg);color:var(--ink);font-family:var(--body);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--accent)}
:focus-visible{outline:2px solid var(--sun);outline-offset:3px;border-radius:6px}
h1,h2,h3{font-family:var(--display);font-weight:500;line-height:1.12;text-wrap:balance;margin:0;letter-spacing:-.01em}
h1{font-size:clamp(2.4rem,5.4vw,4.2rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem)}
h3{font-size:1.35rem}
p{margin:0}
.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:clamp(16px,4vw,32px)}
.eyebrow{font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.lede{font-size:1.15rem;color:var(--muted);max-width:58ch}
em.hl{font-style:italic;color:var(--accent)}

/* Header */
header.site{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:24px;min-height:68px}
.logo{font-family:var(--display);font-size:1.55rem;font-weight:600;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:10px}
.logo svg{flex:none}
.nav ul{display:flex;gap:4px;list-style:none;margin:0 0 0 auto;padding:0}
.nav ul a{display:block;padding:8px 12px;border-radius:999px;color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem}
.nav ul a:hover{background:var(--tint)}
.nav ul a[aria-current="page"]{background:var(--tint);color:var(--accent)}
.phone{font-size:.9rem;color:var(--muted);white-space:nowrap;user-select:all}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;cursor:pointer;font:600 1rem var(--body);padding:13px 22px;border-radius:999px;text-decoration:none;background:var(--accent);color:var(--accent-ink);transition:transform .15s,filter .15s}
.btn:hover{filter:brightness(1.08);transform:translateY(-1px)}
.btn.ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1.5px var(--line)}
.btn.ghost:hover{box-shadow:inset 0 0 0 1.5px var(--accent)}
.btn.sm{padding:9px 16px;font-size:.92rem}
.menu-btn{display:none;margin-left:auto;background:none;border:1.5px solid var(--line);color:var(--ink);border-radius:10px;padding:7px 12px;font:600 .9rem var(--body);cursor:pointer}
@media (max-width:900px){
  .phone{display:none}
  .menu-btn{display:block}
  .nav{flex-wrap:wrap}
  .nav ul{display:none;flex-direction:column;width:100%;margin:0;padding-bottom:12px}
  .nav.open ul{display:flex}
  .nav .btn.sm{display:none}
}

main{padding-block:0 40px}
section.page{animation:fade .35s ease}
@keyframes fade{from{opacity:.4;transform:translateY(6px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
.block{padding-block:clamp(48px,7vw,88px)}
.block.tint{background:var(--tint)}
.head{display:grid;gap:14px;margin-bottom:36px;max-width:720px}

/* Hero */
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(32px,5vw,64px);align-items:center;padding-block:clamp(40px,6vw,80px)}
.hero > *{min-width:0}
.hero h1{margin-block:14px 18px}
.quick{margin-top:30px;background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:20px;display:grid;gap:14px;max-width:560px}
.quick label.q{font-weight:600;font-size:.95rem}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{border:1.5px solid var(--line);background:transparent;color:var(--ink);border-radius:999px;padding:7px 14px;font:500 .92rem var(--body);cursor:pointer}
.chip[aria-pressed="true"]{border-color:var(--accent);background:var(--accent);color:var(--accent-ink)}
.zip-row{display:flex;gap:10px;flex-wrap:wrap}
.zip-row input{flex:1 1 160px;min-width:0}
input,select,textarea{font:inherit;color:var(--ink);background:var(--bg);border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;width:100%}
input:focus,select:focus,textarea:focus{border-color:var(--accent);outline:none}
.fine{font-size:.85rem;color:var(--muted)}
.err{color:#C0392B;font-size:.88rem}
:root[data-theme="dark"] .err{color:#FF8A7A}

/* Plain-words policy card */
.policy{background:var(--surface);border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:0 30px 60px -30px color-mix(in srgb,var(--ink) 35%,transparent);position:relative}
.policy .tag{position:absolute;top:-14px;left:24px;background:var(--sun);color:#2A1C05;font-size:.78rem;font-weight:700;padding:4px 12px;border-radius:999px;letter-spacing:.04em}
.policy h3{font-size:1.2rem;margin-bottom:4px}
.row{display:grid;grid-template-columns:auto 1fr;gap:4px 18px;padding-block:14px;border-top:1px dashed var(--line)}
.row:first-of-type{border-top:0}
.row b{font-variant-numeric:tabular-nums;font-size:1.05rem}
.row span{color:var(--muted);font-size:.92rem}
.row .k{grid-column:1/-1;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:600}
.row .v{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:4px 12px;align-items:baseline}
.policy .total{display:flex;justify-content:space-between;align-items:baseline;margin-top:6px;padding-top:16px;border-top:1.5px solid var(--ink)}
.policy .total strong{font-family:var(--display);font-size:2rem;font-weight:500;font-variant-numeric:tabular-nums}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-block:1px solid var(--line)}
.stats div{padding:26px 20px;border-left:1px solid var(--line)}
.stats div:first-child{border-left:0}
.stats b{display:block;font-family:var(--display);font-size:2.2rem;font-weight:500;font-variant-numeric:tabular-nums}
.stats span{color:var(--muted);font-size:.92rem}

/* Product grid */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid3 > *,.grid2 > *{min-width:0}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:10px}
.card .ico{width:44px;height:44px;border-radius:12px;background:var(--tint);display:grid;place-items:center;color:var(--accent)}
.card .from{margin-top:auto;padding-top:10px;font-size:.9rem;color:var(--muted)}
.card .from b{color:var(--ink);font-variant-numeric:tabular-nums}
a.card{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}
a.card:hover{border-color:var(--accent);transform:translateY(-2px)}

/* Steps (a real sequence) */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:s}
.steps li{list-style:none;counter-increment:s;display:grid;gap:8px}
.steps li::before{content:counter(s);font-family:var(--display);font-size:2.6rem;color:var(--sun);line-height:1}
.steps{padding:0;margin:0}

/* Bundle band */
.band{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;background:var(--accent);color:var(--accent-ink);border-radius:24px;padding:clamp(28px,4vw,48px)}
.band p{opacity:.9;max-width:54ch}
.band .btn{background:var(--accent-ink);color:var(--accent)}

/* Quotes */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
blockquote{margin:0;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:14px}
blockquote p{font-family:var(--display);font-size:1.15rem;line-height:1.45}
blockquote footer{margin-top:auto;font-size:.9rem;color:var(--muted)}
.stars{color:var(--sun);letter-spacing:2px}

/* Coverage page */
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:28px}
.cov{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.cov .card h3{display:flex;justify-content:space-between;gap:12px;align-items:baseline;flex-wrap:wrap}
.cov .card h3 small{font-family:var(--body);font-size:.88rem;color:var(--muted);font-weight:500}
.lists{display:grid;grid-template-columns:1fr 1fr;gap:16px;font-size:.93rem}
.lists ul{margin:6px 0 0;padding-left:18px}
.lists .yes b{color:var(--good)}
.lists .no b{color:var(--muted)}
.limits{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:var(--surface)}
table{border-collapse:collapse;width:100%;min-width:560px;font-variant-numeric:tabular-nums}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:600}
tr:last-child td{border-bottom:0}
td.num{font-family:var(--display);font-size:1.3rem}

/* Quote wizard */
.wizard{display:grid;grid-template-columns:260px 1fr;gap:32px;align-items:start}
.wizard > *{min-width:0}
.progress{list-style:none;margin:0;padding:0;display:grid;gap:4px;position:sticky;top:90px}
.progress li{display:flex;gap:12px;align-items:center;padding:10px 12px;border-radius:12px;color:var(--muted);font-weight:500}
.progress li .dot{width:28px;height:28px;border-radius:50%;border:1.5px solid var(--line);display:grid;place-items:center;font-size:.85rem;flex:none}
.progress li.on{background:var(--surface);color:var(--ink)}
.progress li.on .dot{border-color:var(--accent);color:var(--accent)}
.progress li.done .dot{background:var(--accent);border-color:var(--accent);color:var(--accent-ink)}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:22px;padding:clamp(22px,4vw,40px);display:grid;gap:22px}
.panel h2{font-size:clamp(1.6rem,3vw,2.1rem)}
.opts{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:12px}
.opt{position:relative}
.opt input{position:absolute;opacity:0;inset:0;width:100%;height:100%;cursor:pointer;margin:0}
.opt span{display:grid;gap:2px;border:1.5px solid var(--line);border-radius:14px;padding:16px;height:100%}
.opt span small{color:var(--muted);font-size:.85rem}
.opt input:checked + span{border-color:var(--accent);background:color-mix(in srgb,var(--accent) 9%,transparent)}
.opt input:focus-visible + span{outline:2px solid var(--sun);outline-offset:2px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fields > div{display:grid;gap:6px;min-width:0}
.fields label{font-weight:600;font-size:.92rem}
.fields .full{grid-column:1/-1}
.explain{background:var(--sun-soft);border-radius:12px;padding:14px 16px;font-size:.93rem}
.explain b{font-weight:600}
input[type=range]{padding:0;border:0;background:none;accent-color:var(--accent)}
.ded-labels{display:flex;justify-content:space-between;font-size:.85rem;color:var(--muted);font-variant-numeric:tabular-nums}
.actions{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.estimate{display:grid;gap:4px}
.estimate .big{font-family:var(--display);font-size:clamp(3rem,7vw,4.4rem);line-height:1;font-variant-numeric:tabular-nums}
.breakdown td,.breakdown th{padding:10px 0}
.breakdown{min-width:0}
.breakdown td:last-child,.breakdown th:last-child{text-align:right}
.success{border:1.5px solid var(--good);border-radius:14px;padding:16px;color:var(--ink)}

/* Learn */
.search{max-width:460px;margin-bottom:24px}
.gloss{display:grid;grid-template-columns:repeat(2,1fr);gap:0 40px}
.gloss div{padding-block:18px;border-top:1px solid var(--line);min-width:0}
.gloss dt{font-family:var(--display);font-size:1.3rem;font-weight:500}
.gloss dd{margin:4px 0 0;color:var(--muted)}
.gloss dd i{color:var(--ink)}
details{border-top:1px solid var(--line);padding-block:18px}
details:last-child{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:600;font-size:1.08rem;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::after{content:"+";font-family:var(--display);font-size:1.5rem;line-height:1;color:var(--accent)}
details[open] summary::after{content:"–"}
details p{margin-top:10px;color:var(--muted);max-width:68ch}

/* About */
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px);align-items:start}
.team{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.person{display:grid;gap:6px}
.avatar{aspect-ratio:1;max-width:100%;border-radius:18px;display:grid;place-items:center;font-family:var(--display);font-size:2.4rem;color:var(--accent);background:linear-gradient(160deg,var(--tint),color-mix(in srgb,var(--sun) 25%,var(--tint)))}
.person span{color:var(--muted);font-size:.9rem}
.contact-list{display:grid;gap:16px}
.contact-list div{display:grid;gap:2px}
.contact-list b{font-size:1.1rem;user-select:all}
.copy{background:none;border:0;color:var(--accent);font:600 .85rem var(--body);cursor:pointer;padding:0;justify-self:start}

/* Footer */
footer.site{border-top:1px solid var(--line);padding-block:40px 32px;margin-top:20px}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
.foot ul{list-style:none;margin:8px 0 0;padding:0;display:grid;gap:6px}
.foot a{color:var(--muted);text-decoration:none}
.foot a:hover{color:var(--accent)}
.legal{margin-top:32px;font-size:.82rem;color:var(--muted)}

@media (max-width:900px){
  .hero,.grid2,.wizard,.band{grid-template-columns:1fr}
  .grid3,.quotes,.steps{grid-template-columns:1fr 1fr}
  .team{grid-template-columns:1fr 1fr}
  .stats{grid-template-columns:1fr 1fr}
  .stats div:nth-child(3){border-left:0}
  .stats div:nth-child(n+3){border-top:1px solid var(--line)}
  .progress{position:static;grid-template-columns:repeat(4,1fr)}
  .progress li{flex-direction:column;gap:4px;font-size:.78rem;text-align:center;padding:8px 4px}
  .foot{grid-template-columns:1fr 1fr}
}
@media (max-width:620px){
  .grid3,.quotes,.steps,.cov,.gloss,.fields,.lists{grid-template-columns:1fr}
  .fields .full{grid-column:auto}
}