:root{
    --paper:#FBF8F3;
    --paper-deep:#F3EEE5;
    --ink:#22262A;
    --ink-soft:#565D63;
    --oxblood:#BF2134;
    --oxblood-deep:#8B0112;
    --rule:#D8D1C4;
    --gold:#B98A2F;
    --serif:'Roboto Slab',serif;
    --sans:'Roboto Slab',sans-serif;
  }
  *{margin:0;padding:0;box-sizing:border-box}
  body{background:var(--paper);color:var(--ink);font-family:var(--sans);line-height:1.65;font-size:17px}
  img{max-width:100%;display:block}
  a{color:var(--oxblood)}
  .wrap{max-width:1060px;margin:0 auto;padding:0 24px}
  h1,h2,h3{font-family:var(--serif);font-weight:700;line-height:1.25}
  .smallcaps{font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--oxblood)}
  .btn{display:inline-block;padding:13px 26px;font-weight:600;font-size:.98rem;text-decoration:none;border-radius:4px}
  .btn-solid{background:var(--oxblood);color:#fff}
  .btn-solid:hover{background:var(--oxblood-deep)}
  .btn-line{border:1.5px solid var(--ink);color:var(--ink)}
  .btn-line:hover{border-color:var(--oxblood);color:var(--oxblood)}
  .img-slot{background:var(--paper-deep);border:1px solid var(--rule);display:grid;place-items:center;color:#9a917f;font-size:.82rem;text-align:center;padding:12px}
  ::selection{background:var(--oxblood);color:#fff}
  a:focus-visible{outline:2px solid var(--oxblood);outline-offset:3px}
  h1,h2{text-wrap:balance}
  p{text-wrap:pretty}

  /* ===== Masthead ===== */
  .site-head{position:sticky;top:0;z-index:40;background:var(--paper)}
  .mast-top{border-bottom:1px solid var(--rule);padding:10px 0;font-size:.86rem;color:var(--ink-soft)}
  @media(max-width:720px){.mast-top{display:none}}
  .mast-top .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
  .mast-top b{color:var(--ink)}
  .masthead{padding:20px 0;border-bottom:2px solid var(--ink);background:var(--paper)}
  .masthead .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
  .wordmark{font-family:var(--serif);font-size:1.7rem;font-weight:700;color:var(--ink);text-decoration:none;letter-spacing:.01em;display: flex;}
  .wordmark span{color:var(--oxblood)}
  .masthead nav{display:flex;gap:24px;align-items:center;flex-wrap:wrap}
  .masthead nav a{padding:8px 0}
  .m-actions{display:none;align-items:center;gap:8px}
  .m-ctas{display:none}
  .m-toggle{display:grid;place-content:center;gap:5px;width:44px;height:44px;border:1px solid var(--rule);border-radius:4px;background:none;cursor:pointer;padding:0}
  .m-toggle span{display:block;width:20px;height:2px;background:var(--ink);transition:transform .2s,opacity .2s}
  .nav-open .m-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-open .m-toggle span:nth-child(2){opacity:0}
  .nav-open .m-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  @media(max-width:720px){
    .m-ctas{display:block;border-top:1px solid var(--rule)}
    .m-ctas a{display:flex;align-items:center;justify-content:center;min-height:46px;font-weight:700;text-decoration:none}
    .m-phone{font-family:var(--serif);font-size:1.15rem;color:var(--ink);border-bottom:1px solid var(--rule)}
    .m-quote{font-size:.95rem;background:var(--oxblood);color:#fff}
    .masthead{padding:14px 0;border-bottom:none}
    .wordmark{font-size:1.3rem;white-space:nowrap;line-height:1.2}
    .masthead .wrap{flex-wrap:nowrap}
    .m-actions{display:flex}
    .masthead nav{display:none}
    .nav-open .masthead nav{display:flex;flex-direction:column;align-items:stretch;gap:0;position:absolute;left:0;right:0;top:100%;background:var(--paper);border-bottom:2px solid var(--ink);padding:6px 24px 18px}
    .masthead{position:relative}
    .masthead nav a{padding:14px 0;border-bottom:1px solid var(--rule);font-size:1.02rem}
    .masthead nav a.quote{margin-top:14px;text-align:center;border-bottom:none}
    .hero{padding:0 0 40px}
  }
  .masthead nav a{color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:500}
  .masthead nav a:hover{color:var(--oxblood)}
  .masthead nav a.quote{background:var(--oxblood);color:#fff;font-weight:700;padding:10px 20px;border-radius:4px}
  .masthead nav a.quote:hover{background:var(--oxblood-deep);color:#fff}

  /* ===== Hero ===== */
  .hero{padding:0 0 54px}
  .hero .wrap{display:grid;grid-template-columns:1fr;max-width:820px;text-align:center;justify-items:center;padding-top:54px}
  .hero-img{display:block;width:100%;aspect-ratio:3/1;object-fit:cover;object-position:center 30%;border-bottom:1px solid var(--rule)}
  @media(max-width:720px){.hero-img{height:230px;object-fit:cover}.hero .wrap{padding-top:40px}}
  .hero h1{font-size:clamp(2.1rem,4.2vw,3rem);margin:14px 0 22px;text-wrap:balance}
  .hero .lede{font-size:1.12rem;color:var(--ink-soft);max-width:36rem;margin:0 auto 28px;text-wrap:balance}
  .hero .phone-line{margin-bottom:10px}
  .hero .phone-line a{font-family:var(--serif);font-size:clamp(1.6rem,3vw,2.1rem);font-weight:700;color:var(--ink);text-decoration:none;border-bottom:3px solid var(--oxblood)}
  .hero .phone-sub{font-size:.9rem;color:var(--ink-soft);margin-bottom:24px}
  .hero-photo{aspect-ratio:4/3.2}
  .photo-caption{font-family:var(--serif);font-size:.84rem;color:var(--ink-soft);margin-top:10px;font-style:italic}

  /* ===== Trust stat band ===== */
  .trust-band{border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);background:#fff;padding:26px 0}
  .trust-band .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
  @media(min-width:761px){.trust-band .wrap>div+div{border-left:1px solid var(--rule)}}
  @media(max-width:760px){.trust-band .wrap{grid-template-columns:repeat(2,1fr)}}
  .trust-band strong{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--oxblood)}
  .trust-band span{font-size:.86rem;color:var(--ink-soft)}

  /* ===== Pillars ===== */
  section{padding:72px 0}
  @media(max-width:720px){section,.letter{padding:48px 0}}
  .sec-head{max-width:46rem;margin-bottom:40px}
  .sec-head h2{font-size:clamp(1.6rem,3vw,2.2rem);margin:12px 0 12px}
  .sec-head p{color:var(--ink-soft)}
  .pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
  .pillars-3{grid-template-columns:repeat(3,1fr)}
  @media(max-width:900px){.pillars,.pillars-3{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:600px){.pillars,.pillars-3{grid-template-columns:1fr}}
  .pillar{border:1px solid var(--rule);background:#fff;padding:26px 24px;border-radius:4px}
  .pillar .icon{width:44px;height:44px;margin-bottom:14px;color:var(--oxblood);display:grid;place-items:center}
  .pillar .icon svg{width:34px;height:34px}
  .pillar h3{font-size:1.05rem;margin-bottom:8px}
  .pillar p{font-size:.92rem;color:var(--ink-soft)}

  /* ===== Letter ===== */
  .letter{background:var(--paper-deep);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:72px 0}
  .letter .inner{max-width:680px;margin:0 auto}
  .letter h2{font-size:1.6rem;margin:12px 0 22px}
  .letter p{font-family:var(--serif);font-size:1.08rem;line-height:1.85;margin-bottom:20px}
  .letter .sig{margin-top:28px;font-family:var(--serif);font-style:italic;font-size:1.05rem}
  .letter .sig b{display:block;font-style:normal;margin-top:4px;font-size:.95rem;font-family:var(--sans);font-weight:600}

  /* ===== Agents ===== */
  .agents{display:grid;grid-template-columns:repeat(6,1fr);gap:32px 22px;text-align:center}
  @media(max-width:960px){.agents{grid-template-columns:repeat(4,1fr)}}
  @media(max-width:600px){.agents{grid-template-columns:repeat(2,1fr)}}
  .agent img{width:100%;max-width:150px;aspect-ratio:1/1;border-radius:50%;border:1px solid var(--rule);object-fit:cover;margin:0 auto 12px;background:var(--paper-deep)}
  .agent h3{font-size:1.02rem;font-weight:700;line-height:1.35}
  .agents-note{margin-top:30px;font-size:.95rem;color:var(--ink-soft);max-width:40rem}

  /* ===== Coverage ===== */
  .coverage{background:#fff;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
  .cov-grid{display:grid;grid-template-columns:1fr 1fr;gap:34px 44px}
  @media(max-width:820px){.cov-grid{grid-template-columns:1fr}}
  .cov-item{display:grid;grid-template-columns:150px 1fr;gap:20px;align-items:start}
  @media(max-width:520px){.cov-item{grid-template-columns:1fr}}
  .cov-item .cov-img{aspect-ratio:4/3;border-radius:4px;overflow:hidden}
  .cov-icon{background:var(--paper-deep);border:1px solid var(--rule);display:grid;place-items:center;color:var(--oxblood)}
  .cov-icon svg{width:46px;height:46px}
  .cov-icon svg *{stroke-dasharray:300;stroke-dashoffset:0}
  .cov-icon.draw svg *,.cov-item:hover .cov-icon svg *{animation:icon-draw 1.2s ease forwards}
  @keyframes icon-draw{from{stroke-dashoffset:300}to{stroke-dashoffset:0}}
  @media (prefers-reduced-motion: reduce){.cov-icon svg *{animation:none !important}}
  .cov-item h3{font-size:1.12rem;margin-bottom:6px}
  .cov-item h3 a{color:var(--ink);text-decoration:none}
  .cov-item h3 a:hover{color:var(--oxblood)}
  .cov-item p{color:var(--ink-soft);font-size:.93rem;margin-bottom:8px}
  .cov-item .go{font-size:.9rem;font-weight:600;text-decoration:none}
  .cov-more{margin-top:40px;border-top:1px solid var(--rule);padding-top:28px}
  .cov-more h3{font-size:1.05rem;margin-bottom:14px}
  .cov-chips{display:flex;flex-wrap:wrap;gap:10px}
  .cov-chips a{border:1px solid var(--rule);border-radius:4px;padding:8px 16px;font-size:.9rem;color:var(--ink);text-decoration:none;background:var(--paper)}
  .cov-chips a:hover{border-color:var(--oxblood);color:var(--oxblood)}
  .cov-more p{font-size:.9rem;color:var(--ink-soft);margin-top:14px}

  /* ===== Carrier marquee ===== */
  .carriers{padding:56px 0;overflow:hidden;background:var(--paper-deep);border-top:1px solid var(--rule)}
  .carriers .sec-head{margin-bottom:28px}
  .marquee{position:relative;overflow:hidden;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:22px 0;background:#fff}
  .marquee-track{display:flex;gap:18px;width:max-content;animation:scroll-logos 45s linear infinite}
  .marquee:hover .marquee-track{animation-play-state:paused}
  @media (prefers-reduced-motion: reduce){.marquee-track{animation:none;flex-wrap:wrap;width:auto;justify-content:center}}
  @keyframes scroll-logos{from{transform:translateX(0)}to{transform:translateX(-50%)}}
  .logo-chip{flex:0 0 auto;border:1px solid var(--rule);border-radius:4px;padding:14px 22px;font-weight:600;font-size:.92rem;color:var(--ink-soft);background:var(--paper);display:flex;align-items:center;gap:10px;place-items:center;min-width:130px}
  .logo-chip img{height:20px;width:20px}
  .carriers .note{font-size:.86rem;color:var(--ink-soft);margin-top:12px;padding-bottom:6px}
  .reviews{border-top:1px solid var(--rule)}

  /* ===== Reviews ===== */
  .reviews .rev{max-width:720px;margin:0 auto 42px;text-align:center}
  .reviews blockquote{font-family:var(--serif);font-size:clamp(1.15rem,2.2vw,1.45rem);line-height:1.7;font-style:italic;margin-bottom:16px}
  .reviews blockquote:before{content:"\201C";color:var(--oxblood);font-size:1.6em;line-height:0;vertical-align:-.35em;margin-right:2px}
  .reviews .who{font-size:.9rem;color:var(--ink-soft)}
  .reviews .who b{color:var(--ink)}
  .reviews .all{text-align:center;margin-top:8px}
  .stars{text-align:center;color:var(--gold);letter-spacing:.35em;font-size:1.05rem;margin-bottom:8px}
  .g-line{text-align:center;font-size:.9rem;color:var(--ink-soft);margin-bottom:44px}
  .g-line b{color:var(--ink)}

  /* ===== Service area ===== */
  .service-area{background:var(--paper-deep);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
  .service-area .wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
  @media(max-width:820px){.service-area .wrap{grid-template-columns:1fr}}
  .service-area .map{width:100%;height:auto}
  .service-area p{color:var(--ink-soft);margin-bottom:16px}

  /* ===== Answers ===== */
  .answers .inner{max-width:720px;margin:0 auto}
  .qa{padding:26px 0;border-bottom:1px solid var(--rule)}
  .qa:last-of-type{border-bottom:none}
  .qa h3{font-size:1.08rem;margin-bottom:10px}
  .qa p{color:var(--ink-soft);font-size:.97rem}

  /* ===== Desk ===== */
  .desk{background:#fff;border-top:1px solid var(--rule)}
  .desk-list{list-style:none;max-width:720px}
  .desk-list li{padding:18px 0;border-bottom:1px solid var(--rule)}
  .desk-list li:last-child{border-bottom:none}
  .desk-list a{font-family:var(--serif);font-size:1.15rem;font-weight:700;color:var(--ink);text-decoration:none}
  .desk-list a:hover{color:var(--oxblood)}
  .desk-list div{font-size:.9rem;color:var(--ink-soft)}

  /* ===== Closing ===== */
  .closing{text-align:center;padding:84px 0}
  .closing h2{font-size:clamp(1.7rem,3.2vw,2.4rem);margin:14px 0 18px}
  .closing p{color:var(--ink-soft);max-width:34rem;margin:0 auto 30px}
  .closing .phone a{font-family:var(--serif);font-size:clamp(1.7rem,3.4vw,2.4rem);font-weight:700;color:var(--ink);text-decoration:none;border-bottom:3px solid var(--oxblood)}
  .closing .alt{margin-top:22px;font-size:.95rem}
  .closing .pledge{margin:26px auto 0;padding-top:18px;border-top:1px solid var(--rule);max-width:30rem;font-size:.85rem;color:var(--ink-soft)}

  /* ===== Footer ===== */
  footer{border-top:2px solid var(--ink);padding:48px 0 36px;font-size:.9rem;color:var(--ink-soft);position:relative;overflow:hidden}
  footer::before{content:"";position:absolute;inset:0;background:url("../assets/state-map.png") center 40%/min(680px,90%) no-repeat;opacity:.05;pointer-events:none}
  footer .wrap{position:relative}
  .foot-cols{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;margin-bottom:36px}
  @media(max-width:760px){.foot-cols{grid-template-columns:1fr}}
  footer h4{font-family:var(--serif);color:var(--ink);font-size:1rem;margin-bottom:12px}
  footer ul{list-style:none}
  footer li{margin-bottom:8px}
  footer a{color:var(--ink-soft);text-decoration:none}
  footer a:hover{color:var(--oxblood)}
  .socials{display:flex;gap:12px;margin-top:14px}
  .socials a{border:1px solid var(--rule);border-radius:4px;padding:6px 12px;font-size:.82rem}
  .foot-legal{border-top:1px solid var(--rule);padding-top:22px;font-size:.8rem;line-height:1.7}
  section[id]{scroll-margin-top:170px}
  @media(max-width:720px){section[id]{scroll-margin-top:120px}}
  html{scroll-behavior:smooth}
  [id]{scroll-margin-top:170px}
  @media(max-width:720px){[id]{scroll-margin-top:120px}}
  .foot-brands{display:flex;align-items:center;gap:10px;margin-top:16px}
  .foot-brands img{height:22px;width:22px}
  .tc-badge{font-size:.84rem;color:var(--ink-soft)}
  .foot-sister{font-size:.84rem;margin-top:10px}