:root{
  --green:#1b7358;
  --green-dark:#0f4b3a;
  --ink:#161614;
  --cream:#f6f1e3;
  --gold:#f0c419;
  --muted:#4a473f;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--cream);color:var(--ink);font-family:'Public Sans',Helvetica,Arial,sans-serif;font-size:17px;line-height:1.6}
img{max-width:100%;display:block}
a{color:#135c47}
h1,h2,h3{font-family:'Archivo',Helvetica,Arial,sans-serif;margin:0}
.wrap{max-width:1200px;margin:0 auto}
.wrap-wide{max-width:1440px;margin:0 auto}
.pad{padding:88px 80px}
.narrow{max-width:760px}

/* header */
.site-header{background:var(--ink);position:sticky;top:0;z-index:20}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 80px;max-width:1440px;margin:0 auto}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo .word{font-family:'Archivo',sans-serif;font-style:italic;font-weight:900;font-size:26px;color:var(--cream)}
.logo .chip{font-family:'Archivo',sans-serif;font-style:italic;font-weight:900;font-size:20px;color:#fff;background:var(--green);padding:3px 11px;border:2px solid var(--gold)}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:var(--cream);text-decoration:none;font-weight:500;font-size:16px}
.nav a:hover{color:var(--gold)}
.btn-call{display:inline-flex;align-items:center;gap:9px;background:var(--gold);color:var(--ink)!important;font-weight:700;padding:13px 20px;text-decoration:none}

/* hero */
.hero{background:var(--ink);color:var(--cream)}
.hero-inner{display:grid;grid-template-columns:1fr 1fr;align-items:stretch;max-width:1440px;margin:0 auto}
.hero-copy{display:flex;flex-direction:column;justify-content:center;gap:22px;padding:76px 64px 76px 80px}
.eyebrow{font-size:14px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--gold)}
.hero h1{font-style:italic;font-weight:900;font-size:clamp(34px,4.2vw,64px);line-height:1.02;letter-spacing:-1px}
.hero p{margin:0;color:#d9d3c2;max-width:540px;font-size:19px}
.cta-sub{margin:0;font-size:14px;letter-spacing:.4px;color:#9fc4b5}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:4px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:17px 28px;text-decoration:none;font-weight:700;font-size:17px}
.btn-primary{background:var(--green);color:#fff;border:2px solid var(--gold)}
.btn-ghost{border:2px solid var(--cream);color:var(--cream);font-weight:600}
.hero-inner>img,.hero-inner>picture img{width:100%;height:100%;min-height:380px;object-fit:cover;object-position:center top;background:#161614}
.hero-inner>picture{display:block;height:100%}
.brand-panel{position:relative;display:flex;align-items:center;justify-content:center;min-height:420px;overflow:hidden;
  background:
    repeating-linear-gradient(135deg, rgba(240,196,25,.06) 0 2px, transparent 2px 22px),
    radial-gradient(120% 90% at 70% 10%, #1f5f4b 0%, #14332b 45%, #0e1a17 100%)}
.brand-lockup{position:relative;text-align:center;padding:40px}
.brand-lockup .word{display:block;font-family:'Archivo',sans-serif;font-style:italic;font-weight:900;
  font-size:clamp(40px,5.2vw,78px);line-height:.92;letter-spacing:-1px;color:var(--gold);
  text-shadow:4px 4px 0 rgba(0,0,0,.45)}
.brand-lockup .chip{display:inline-block;margin-top:14px;background:var(--green);border:3px solid var(--gold);
  padding:8px 26px;font-family:'Archivo',sans-serif;font-style:italic;font-weight:900;
  font-size:clamp(26px,3.3vw,48px);color:#fff;letter-spacing:-.5px}
.brand-lockup .since{display:block;margin-top:22px;font-family:'Public Sans',sans-serif;font-style:normal;
  font-weight:600;font-size:14px;letter-spacing:3px;text-transform:uppercase;color:#9fc4b5}

/* page hero (interior pages) */
.page-hero{background:var(--ink);color:var(--cream);padding:72px 80px}
.page-hero h1{font-style:italic;font-weight:900;font-size:clamp(32px,3.8vw,54px);line-height:1.04;letter-spacing:-1px;max-width:900px}
.page-hero p{color:#d9d3c2;font-size:19px;max-width:720px;margin:18px 0 0}
.crumbs{font-size:14px;color:#a9a396;margin-bottom:14px}
.crumbs a{color:#a9a396}

/* content */
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:40px;flex-wrap:wrap;margin-bottom:40px}
h2{font-weight:800;font-size:clamp(28px,3.2vw,44px);letter-spacing:-1px}
.prose h2{margin:44px 0 14px}
.prose h3{font-weight:800;font-size:23px;margin:30px 0 10px}
.prose p{margin:0 0 16px}
.prose ul{margin:0 0 18px;padding-left:22px}
.prose li{margin-bottom:8px}
.lede{font-size:19px;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:#fff;padding:34px;border-top:6px solid var(--green);display:block;text-decoration:none;color:inherit}
.card h3{font-weight:800;font-size:23px;margin:14px 0 10px}
.card svg{display:block}
.card p{margin:0;color:var(--muted);font-size:16px}
.card .more{display:inline-block;margin-top:14px;font-weight:700;color:#135c47}
a.card:hover{border-top-color:var(--gold)}
.note{background:#fff;border-left:5px solid var(--gold);padding:22px 26px;margin:28px 0;color:var(--muted)}

/* carriers */
.carriers{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.carrier{background:#fff;border-top:5px solid var(--green);padding:22px;font-family:'Archivo',sans-serif;font-weight:800;font-size:18px}

/* reviews */
.reviews{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.review{background:#fff;padding:30px;border-top:6px solid var(--gold);display:flex;flex-direction:column;gap:14px}
.stars{color:#e0a800;letter-spacing:3px;font-size:18px}
.review p{margin:0;font-size:17px;line-height:1.55}
.review .who{font-family:'Archivo',sans-serif;font-weight:800;font-size:16px;margin-top:auto}
.review.add-review{border-top-color:var(--green);background:#fffdf5;text-decoration:none;color:inherit}
.review.add-review:hover{background:#fff9e6}
.review.add-review .who{color:#135c47}

/* trust strip */
.trust-strip{background:var(--green);color:#fff}
.trust-strip .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 34px;padding:16px 24px;
  font-size:14px;font-weight:600;letter-spacing:.6px;text-transform:uppercase}
.trust-strip span{position:relative}
.trust-strip span:not(:last-child):after{content:"·";position:absolute;right:-19px;color:var(--gold)}

/* three paths */
.paths{background:var(--cream);padding:0 80px 70px}
.paths-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.path{display:block;background:#fff;border-top:6px solid var(--gold);padding:32px;text-decoration:none;color:inherit;
  box-shadow:0 2px 10px rgba(0,0,0,.05)}
.path:hover{border-top-color:var(--green)}
.path-label{font-size:13px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--green);margin-bottom:10px}
.path h3{font-family:'Archivo',sans-serif;font-weight:800;font-size:25px;margin-bottom:10px}
.path p{margin:0 0 16px;color:var(--muted);font-size:16px}
.path-go{font-weight:700;color:#135c47}

/* business band */
.business-band{background:var(--ink);padding:0 80px 0}
.band-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2px;background:#2a2a26}
.band{display:block;background:var(--ink);color:var(--cream);text-decoration:none;padding:56px 48px}
.band:hover{background:#1f1f1c}
.band-label{font-size:13px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.band h2{font-family:'Archivo',sans-serif;font-weight:800;font-size:clamp(26px,2.6vw,36px);margin-bottom:12px;color:var(--cream)}
.band p{margin:0 0 18px;color:#d9d3c2;font-size:17px;line-height:1.55}
.band-go{font-weight:700;color:var(--gold)}

/* team */
.team-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:30px}
.member{text-align:center}
.member img{aspect-ratio:4/5;object-fit:cover;object-position:center 22%;width:210px;max-width:100%;height:auto;border-radius:10px;margin:0 auto;border:3px solid #fff;box-shadow:0 3px 16px rgba(0,0,0,.12)}
.member .name{font-family:'Archivo',sans-serif;font-weight:800;font-size:19px;margin-top:16px}
.member .role{color:var(--muted);font-size:15px}

/* visit */
.visit{background:var(--green);color:#fff}
.visit h2{font-style:italic;font-weight:900;margin-bottom:38px}
.visit-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:50px;align-items:center}
.visit-grid img{border:4px solid var(--gold);aspect-ratio:3/2;object-fit:cover;width:100%}
.office-art{aspect-ratio:3/2;width:100%;border:4px solid var(--gold);display:flex;align-items:center;justify-content:center;
  background:repeating-linear-gradient(135deg, rgba(255,255,255,.05) 0 2px, transparent 2px 20px), #114a3b}
.office-art svg{width:62%;height:auto}
.visit h3{font-weight:800;font-size:30px;margin-bottom:20px}
.offices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;margin-top:46px;padding-top:34px;border-top:1px solid rgba(255,255,255,.25)}
.office h3{font-size:24px;margin-bottom:12px}
.office p{margin:0 0 10px;font-size:17px;line-height:1.5}
.office a{color:#fff}
.fact{margin-bottom:20px}
.fact .label{font-size:13px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:4px}
.fact .value{font-size:20px;line-height:1.4}
.visit a{color:#fff}
.also{border-top:1px solid rgba(255,255,255,.25);padding-top:18px;color:#cfe3da;font-size:16px}

/* states */
.states{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.state{background:#fff;padding:26px;border-top:6px solid var(--gold)}
.state h3{font-weight:800;font-size:21px;margin-bottom:8px}
.state p{margin:0;color:var(--muted);font-size:16px}

/* checklist */
.checklist ul.check{list-style:none;padding-left:0}
.checklist ul.check li{position:relative;padding-left:34px;margin-bottom:10px}
.checklist ul.check li:before{content:"";position:absolute;left:0;top:3px;width:18px;height:18px;border:2px solid var(--green);background:#fff}
.print-hint{font-size:15px;color:#6b675d}
@media print{
  table.compare{font-size:10pt}
  table.compare thead th{background:#ddd!important;color:#000!important}
  .table-scroll{overflow:visible}
  .site-header,footer,.quote,.print-hint,.no-print,.page-hero p,.crumbs{display:none!important}
  body{background:#fff;font-size:12pt}
  .page-hero{background:#fff;color:#000;padding:0 0 12pt}
  .page-hero h1{color:#000;font-style:normal;font-size:20pt}
  .pad{padding:0}
  .note{border-left:3px solid #000;padding:8pt 10pt;margin:10pt 0;background:#f4f4f4;color:#000}
  h2{font-size:14pt;margin:14pt 0 6pt}
}

/* comparison table */
.table-scroll{overflow-x:auto;margin:10px 0 30px}
table.compare{border-collapse:collapse;width:100%;min-width:640px;background:#fff;font-size:16px}
table.compare th,table.compare td{border:1px solid #ddd6c2;padding:11px 13px;text-align:left}
table.compare thead th{background:var(--green);color:#fff;font-family:'Archivo',sans-serif;font-weight:800}
table.compare tbody th{font-weight:600;background:#faf7ee;width:34%}
.agent-lines p{margin:0 0 16px;color:#4a473f}

/* geography lists */
.geo-list{list-style:none;padding:0;margin:0 0 26px;column-count:4;column-gap:26px;font-size:16px}
.geo-list li{margin:0 0 6px;break-inside:avoid;color:var(--muted)}
.geo-list.towns li{color:var(--ink)}

/* byline */
.byline{border-top:1px solid #ddd6c2;margin-top:34px;padding-top:20px}
.byline p{font-size:15px;color:var(--muted);margin:0 0 10px}
.byline-note{font-size:13px;color:#8a8579}

/* calculator */
.calc{background:#fff;border-top:6px solid var(--green);padding:30px}
.calc label{display:block;font-weight:600;margin:0 0 6px}
.calc input{height:52px;width:100%;max-width:280px;border:2px solid #ddd6c2;padding:0 14px;font-size:19px;font-family:inherit;margin-bottom:20px}
.calc-out{margin-top:10px}
.calc-out table{width:100%}
.calc-note{font-size:14px;color:var(--muted);margin:16px 0 0}

/* faq */
.faq{border-top:1px solid #ddd6c2}
.faq details{border-bottom:1px solid #ddd6c2;padding:20px 0}
.faq summary{font-family:'Archivo',sans-serif;font-weight:800;font-size:19px;cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--green);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq p{margin:12px 0 0;color:var(--muted)}

/* quote */
.quote{background:var(--green-dark);color:#fff;display:grid;grid-template-columns:minmax(260px,1fr) 2fr;gap:44px;align-items:start}
.quote-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.quote-form .wide{grid-column:1/-1}
.quote-form button{grid-column:1/-1}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{grid-column:1/-1;margin:0;font-size:15px;color:#f0c419;min-height:20px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;line-height:1.45;color:#cfe3da}
.consent input{margin-top:3px;width:18px;height:18px;flex:0 0 auto}
.quote .intro{flex:1 1 300px}
.quote h2{margin-bottom:8px}
.quote p{margin:0;color:#d6e6df}
.field{display:flex;flex-direction:column;gap:8px}
.field label{font-size:15px;font-weight:600}
.field input,.field select{height:52px;border:0;padding:0 14px;font-size:17px;font-family:inherit;min-width:200px}
.quote button{height:52px;padding:0 28px;background:var(--gold);color:var(--ink);border:0;font-weight:700;font-size:17px;font-family:inherit;cursor:pointer}
.form-note{flex-basis:100%;font-size:14px;color:#a9c9bd;margin:0}

/* footer */
footer{background:var(--ink);color:#d9d3c2;font-size:15px}
.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr;gap:34px;padding:52px 80px 34px;max-width:1440px;margin:0 auto}
footer a{color:#d9d3c2;text-decoration:none}
footer a:hover{color:var(--gold)}
footer h4{font-family:'Archivo',sans-serif;font-size:15px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold);margin:0 0 12px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:8px}
.legal{border-top:1px solid #333;padding:20px 80px;max-width:1440px;margin:0 auto;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:14px;color:#8d887c}

@media (max-width:1000px){
  .pad,.page-hero{padding:56px 22px}
  .header-inner,.footer-inner,.legal{padding-left:22px;padding-right:22px}
  .nav a:not(.btn-call){display:none}
  .hero-inner{grid-template-columns:1fr}
  .hero-copy{padding:38px 22px 46px;order:2}
  .hero-inner>img,.hero-inner>picture{order:1;min-height:0;height:auto}
  .brand-panel{order:1;min-height:250px}
  .hero-inner>picture img{min-height:0;height:auto;object-fit:contain}
  .hero-actions .btn{flex:1 1 100%}
  .cards,.cards.two,.states{grid-template-columns:1fr}
  .geo-list{column-count:2}
  .team-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}
  .member img{width:100%}
  .business-band{padding:0}
  .paths{padding:0 22px 44px}
  .paths-grid{grid-template-columns:1fr}
  .trust-strip .wrap{gap:6px 18px;font-size:12px}
  .trust-strip span:not(:last-child):after{right:-12px}
  .band-grid{grid-template-columns:1fr}
  .band{padding:38px 22px}
  .carriers{grid-template-columns:repeat(2,minmax(0,1fr))}
  .reviews{grid-template-columns:1fr}
  .visit-grid{grid-template-columns:1fr;gap:26px}
  .offices{grid-template-columns:1fr;gap:22px}
  .quote{grid-template-columns:1fr;gap:26px}
  .quote-form{grid-template-columns:1fr}
  .field input,.field select,.quote button{width:100%}
  .footer-inner{grid-template-columns:1fr}
}