/* ==========================================================================
   No Sloth Water Damage - Peoria, AZ  ·  "Peoria Desert Horizon" design system
   Warm sand ground, deep desert-water TEAL lead, desert-sunset CLAY action,
   a horizon-line motif. DM Serif Display headings + Outfit body. Full-width
   alternating zigzag bands. Deliberately unlike every sibling site.
   ========================================================================== */

/* ---- self-hosted fonts ---- */
@font-face{font-family:"DM Serif Display";src:url(../fonts/dmserif.woff2?v=c27d5a47) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Outfit";src:url(../fonts/outfit.woff2?v=fdf9c509) format("woff2");font-weight:300 800;font-style:normal;font-display:swap}

:root{
  --sand:#FAF5EC; --sand2:#F3EAD9; --surface:#FFFFFF;
  --ink:#1C2B2E; --ink2:#3A4A4D;
  --teal:#0B5E63; --teal-2:#0E6E73; --teal-deep:#083F43;
  --clay:#B8442A; --clay-ink:#8A3218;
  --gold:#C4892B; --gold-lt:#E6B968;
  --line:rgba(28,43,46,.14); --line-2:rgba(28,43,46,.08);
  --radius:14px; --pill:999px;
  --shadow:0 12px 34px rgba(28,43,46,.09);
  --shadow-sm:0 4px 14px rgba(28,43,46,.07);
  --sans:"Outfit",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"DM Serif Display",Georgia,"Times New Roman",serif;
  --wrap:1180px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
html,body{overflow-x:hidden}
body{margin:0;background:var(--sand);color:var(--ink);font-family:var(--sans);
  font-size:17px;line-height:1.65;font-weight:400;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal);text-decoration:none}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;color:var(--ink);line-height:1.12;margin:0 0 .4em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem);letter-spacing:.2px}
h2{font-size:clamp(1.7rem,3.3vw,2.5rem)}
h3{font-size:1.28rem;line-height:1.2}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px;width:100%}
.section{padding:64px 0}
.section--tint{background:var(--sand2)}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--teal);color:#fff;padding:10px 16px;z-index:200;border-radius:0 0 8px 0}
.skip-link:focus{left:0}

/* ---- eyebrow + sun motif ---- */
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);
  font-weight:700;font-size:.82rem;letter-spacing:.09em;text-transform:uppercase;
  color:var(--clay-ink);margin:0 0 .55em}
.eyebrow--light{color:var(--gold-lt)}
.sun{width:16px;height:9px;border-radius:16px 16px 0 0;background:var(--gold);
  display:inline-block;flex:none;position:relative;top:1px}
.sec-head{max-width:760px;margin-bottom:34px}
.sec-head p{color:var(--ink2);font-size:1.08rem;margin:.2em 0 0}
.sec-head--center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head--center .eyebrow{justify-content:center}

/* ---- buttons ---- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-family:var(--sans);font-weight:700;font-size:1rem;line-height:1.1;
  padding:14px 22px;border-radius:var(--pill);border:0;cursor:pointer;text-align:center;
  transition:transform .12s ease,box-shadow .12s ease,background .12s ease}
.btn svg{width:1.2em;height:1.2em;flex:none}
.btn--call{background:var(--clay);color:#fff;box-shadow:0 8px 20px rgba(184,68,42,.28)}
.btn--call:hover{background:#a53c25;transform:translateY(-1px)}
.btn--lg{flex-direction:column;gap:2px;padding:15px 30px;border-radius:16px}
.btn--lg .btn__num{font-size:1.34rem;font-weight:800;letter-spacing:.3px}
.btn--lg .btn__sub{font-size:.82rem;font-weight:500;opacity:.94}
.btn--block{display:flex;width:100%}

/* ==========================================================================
   HEADER  ·  transparent overlay -> solid on scroll
   ========================================================================== */
.site-header{position:sticky;top:0;z-index:100;background:transparent;
  transition:background .2s ease,box-shadow .2s ease,border-color .2s ease;
  border-bottom:1px solid transparent}
.site-header.is-solid{background:var(--surface);box-shadow:var(--shadow-sm);border-bottom-color:var(--line-2)}
.masthead{display:flex;align-items:center;gap:22px;min-height:74px;padding-top:8px;padding-bottom:8px}
.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand__mark{flex:none;border-radius:50%}
.brand__text{display:flex;flex-direction:column;line-height:1.05}
.brand__name{font-family:var(--serif);font-size:1.18rem;color:var(--ink)}
.brand__tag{font-size:.72rem;font-weight:600;letter-spacing:.05em;color:var(--teal);text-transform:uppercase}

.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav>a,.drop>a{display:inline-flex;align-items:center;gap:5px;padding:10px 12px;
  font-weight:600;font-size:.95rem;color:var(--ink);border-radius:8px}
.nav>a:hover,.drop>a:hover{color:var(--teal);background:rgba(11,94,99,.07)}
.drop{position:relative}
.drop>a[aria-haspopup]::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;
  border-bottom:2px solid currentColor;transform:rotate(45deg);margin-left:2px;margin-top:-3px;opacity:.6}
.drop__menu{position:absolute;top:100%;left:0;min-width:290px;background:var(--surface);
  border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);
  padding:8px;display:none;max-height:min(74vh,560px);overflow-y:auto;overscroll-behavior:contain;z-index:120}
.drop.is-open .drop__menu{display:block}
.drop__menu a{display:block;padding:9px 12px;border-radius:8px;font-size:.92rem;font-weight:500;color:var(--ink)}
.drop__menu a:hover{background:var(--sand2);color:var(--teal)}

.mast-cta{display:flex;align-items:center;gap:12px;flex:none}
.mast-phone{display:flex;flex-direction:column;line-height:1.05;text-align:right;color:var(--ink)}
.mast-phone span{font-weight:800;font-size:1.05rem;color:var(--teal)}
.mast-phone small{font-size:.68rem;font-weight:600;color:var(--ink2);text-transform:uppercase;letter-spacing:.05em}
.nav-toggle{display:none;flex-direction:column;gap:5px;width:44px;height:44px;
  align-items:center;justify-content:center;background:transparent;border:1px solid var(--line);border-radius:10px;cursor:pointer}
.nav-toggle span{width:22px;height:2px;background:var(--ink);border-radius:2px;transition:.2s}

/* ==========================================================================
   HERO BAND
   ========================================================================== */
.hero{background:linear-gradient(180deg,var(--sand) 0%,var(--sand) 62%,var(--sand2) 100%);
  border-bottom:1px solid var(--line-2);overflow:hidden}
.hero__wrap{display:grid;grid-template-columns:1fr minmax(320px,480px);gap:48px;align-items:center;
  padding-top:52px;padding-bottom:56px}
.hero__copy .eyebrow{font-size:.86rem}
.hero h1{margin-bottom:.28em}
.hero__promise{font-size:1.18rem;color:var(--ink);max-width:38ch;margin-bottom:1em}
.hero__rate{display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:.98rem;color:var(--ink2);margin-bottom:1.1em}
.hero__rate b{color:var(--ink);font-size:1.05rem}
.hero__oc{color:var(--clay-ink);font-weight:700}
.hero__cta{margin-bottom:1.1em}
.stars{display:inline-flex;color:var(--gold);vertical-align:middle}
.stars svg{width:17px;height:17px;fill:currentColor}
.hero__media{border-radius:20px;overflow:hidden;box-shadow:var(--shadow);aspect-ratio:5/3.6;
  border:1px solid var(--line-2);max-width:480px;justify-self:end}
.hero__media img{width:100%;height:100%;object-fit:cover}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-flex;align-items:center;gap:7px;padding:8px 14px;border-radius:var(--pill);
  font-size:.86rem;font-weight:600;background:var(--surface);border:1px solid var(--line);color:var(--ink)}
.chip svg{width:16px;height:16px;fill:var(--teal);flex:none}
.chip--rate{background:transparent;border-color:var(--line)}
.chip--rate b{color:var(--ink)}

/* ==========================================================================
   TRUST RIBBON
   ========================================================================== */
.statbar{background:var(--surface);border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2)}
.statbar__wrap{display:flex;flex-wrap:wrap;align-items:center;gap:14px 30px;padding-top:22px;padding-bottom:22px}
.stat{display:flex;flex-direction:column;min-width:120px}
.stat__n{font-family:var(--serif);font-size:1.72rem;color:var(--teal);line-height:1}
.stat__l{font-size:.82rem;color:var(--ink2);font-weight:500;margin-top:2px}
.statbar__logos{display:flex;align-items:center;gap:18px;margin-left:auto}
.statbar__logos img{max-height:30px;width:auto;opacity:.85}

/* ==========================================================================
   LEAD SERVICE ZIGZAG BANDS
   ========================================================================== */
.services-lead{padding-bottom:20px}
.svcband{padding:44px 0;background:var(--sand)}
.svcband--rev{background:var(--surface)}
.svcband__wrap{display:grid;grid-template-columns:minmax(0,500px) 1fr;gap:52px;align-items:center}
.svcband--rev .svcband__wrap{grid-template-columns:1fr minmax(0,500px)}
.svcband--rev .svcband__media{order:2}
.svcband__media{margin:0;border-radius:18px;overflow:hidden;box-shadow:var(--shadow-sm);
  aspect-ratio:5/3.4;border:1px solid var(--line-2);max-width:500px}
.svcband__media img{width:100%;height:100%;object-fit:cover}
.svcband__copy h3{font-size:clamp(1.5rem,2.6vw,2rem);margin-bottom:.35em}
.svcband__copy p{color:var(--ink);font-size:1.06rem;max-width:52ch}
.ticks{list-style:none;margin:0 0 1.1em;padding:0;display:grid;gap:8px}
.ticks li{position:relative;padding-left:28px;color:var(--ink);font-size:1rem}
.ticks li::before{content:"";position:absolute;left:0;top:7px;width:15px;height:9px;
  border-left:2.5px solid var(--teal);border-bottom:2.5px solid var(--teal);transform:rotate(-45deg)}
.svcband__cta{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--teal);font-size:1rem}
.svcband__cta:hover{color:var(--clay)}
.arw{width:18px;height:18px;color:currentColor}

/* ==========================================================================
   LONG-TAIL SERVICE INDEX  (small photo cards)
   ========================================================================== */
.mini-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(255px,1fr));gap:20px}
.mini{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);
  border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .14s ease,box-shadow .14s ease}
.mini:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.mini__media{display:block;aspect-ratio:16/10;overflow:hidden}
.mini__media img{width:100%;height:100%;object-fit:cover}
.mini__b{display:flex;flex-direction:column;gap:4px;padding:16px 18px 18px}
.mini__t{font-family:var(--serif);font-size:1.16rem;color:var(--ink)}
.mini__p{color:var(--ink2);font-size:.95rem;line-height:1.5}
.mini__go{display:inline-flex;align-items:center;gap:5px;margin-top:6px;font-weight:700;font-size:.9rem;color:var(--teal)}

/* ==========================================================================
   CONDITIONS EXPLAINER
   ========================================================================== */
.conditions .wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:start}
.conditions__intro p{color:var(--ink);font-size:1.06rem}
.authlinks{margin-top:14px;font-size:.95rem;color:var(--ink2)}
.authlinks span{display:block;font-weight:600;margin-bottom:6px;color:var(--ink)}
.authlinks a{display:inline-block;margin:0 14px 6px 0;color:var(--teal);text-decoration:underline}
.risk-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.risk{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 16px}
.risk h3{font-family:var(--sans);font-weight:700;font-size:1.02rem;color:var(--ink);margin-bottom:.3em;line-height:1.25}
.risk p{color:var(--ink2);font-size:.92rem;margin:0;line-height:1.5}

/* ==========================================================================
   TIMELINE (process)  ·  vertical numbered
   ========================================================================== */
.timeline-sec{background:var(--sand2)}
.timeline{display:grid;grid-template-columns:1fr 1fr;gap:26px 44px;position:relative}
.tstep{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start}
.tstep__n{font-family:var(--serif);font-size:2.1rem;color:var(--teal);line-height:1;
  width:58px;height:58px;flex:none;display:flex;align-items:center;justify-content:center;
  background:var(--surface);border:1px solid var(--line);border-radius:50%}
.tstep__b h3{font-family:var(--sans);font-weight:700;font-size:1.1rem;margin-bottom:.25em}
.tstep__b p{color:var(--ink2);font-size:.98rem;margin:0}

/* ==========================================================================
   COVERAGE
   ========================================================================== */
.cov__full{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:start}
.cov__compact{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:center}
.cov__map{margin:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.cov__map figcaption{background:var(--surface);padding:10px 14px;font-size:.9rem;color:var(--ink2);border-top:1px solid var(--line-2)}
.cov__pin{display:inline-flex;align-items:center;gap:7px}
.cov__pin svg{width:16px;height:16px;fill:var(--teal);flex:none}
.cov__note p{color:var(--ink);font-size:1.02rem}
.cov__all{font-weight:700;color:var(--teal);text-decoration:underline}
.zips h3,.cov__note h3{font-family:var(--sans);font-weight:700;font-size:1.05rem;margin-bottom:.5em}
.zipgrid{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:12px}
.zip{display:inline-flex;padding:7px 13px;border-radius:var(--pill);background:var(--surface);
  border:1px solid var(--line);font-weight:600;font-size:.9rem;color:var(--ink)}
.zips__note{color:var(--ink2);font-size:.93rem;margin:0}
.nbhds{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px;margin-top:34px;
  border-top:1px solid var(--line);padding-top:28px}
.nbhd h3{font-family:var(--sans);font-weight:700;font-size:1rem;color:var(--teal);margin-bottom:.5em}
.chips .chip{padding:6px 12px;font-size:.82rem;font-weight:500}
.nbhd .chips{gap:8px}

/* ==========================================================================
   REVIEWS
   ========================================================================== */
.reviews__grid{display:grid;grid-template-columns:250px 1fr;gap:34px;align-items:start}
.agg{background:var(--teal-deep);color:#fff;border-radius:var(--radius);padding:26px 22px;text-align:center;position:sticky;top:96px}
.agg__score{font-family:var(--serif);font-size:3rem;line-height:1;color:#fff}
.agg__score span{font-size:1.2rem;color:var(--gold-lt)}
.agg__stars{margin:8px 0 6px}
.agg__stars .stars{color:var(--gold-lt)}
.agg__count{font-size:.9rem;color:rgba(255,255,255,.82)}
.agg__note{font-size:1rem;color:rgba(255,255,255,.88);margin:.6em 0 0}
.reviews__rail{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.review{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px 20px 16px;box-shadow:var(--shadow-sm)}
.review__stars .stars svg{width:16px;height:16px}
.review blockquote{margin:10px 0 14px;color:var(--ink);font-size:.98rem;line-height:1.55}
.review__meta{display:flex;flex-wrap:wrap;gap:2px 10px;font-size:.85rem;align-items:baseline}
.review__meta .who{font-weight:700;color:var(--ink)}
.review__meta .where{color:var(--teal)}
.review__meta .date{color:var(--ink2);margin-left:auto}

/* ==========================================================================
   RECENT WORK
   ========================================================================== */
.cases{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;margin-bottom:26px}
.case{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm)}
.case>img{width:100%;aspect-ratio:22/15;object-fit:cover}
.case__b{padding:18px 20px 20px}
.case__b h3{font-size:1.18rem;margin-bottom:.3em}
.case__meta{display:block;font-size:.82rem;font-weight:700;color:var(--clay-ink);text-transform:uppercase;letter-spacing:.04em;margin-bottom:.7em}
.case__b p{color:var(--ink);font-size:1rem;line-height:1.5;margin:0 0 .55em}
.case__b p b{color:var(--ink)}
.filmstrip{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px}
.film{margin:0;border-radius:12px;overflow:hidden;border:1px solid var(--line-2);aspect-ratio:19/14}
.film img{width:100%;height:100%;object-fit:cover}

/* ==========================================================================
   WHY (shared) + WHY HOME
   ========================================================================== */
.why__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px}
.why__card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px;box-shadow:var(--shadow-sm)}
.why__ic,.pillar__ic{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;flex:none;
  border-radius:12px;background:rgba(11,94,99,.1);margin-bottom:12px}
.why__ic svg,.pillar__ic svg{width:24px;height:24px;fill:var(--teal)}
.why__card h3{font-family:var(--sans);font-weight:700;font-size:1.08rem;margin-bottom:.3em}
.why__card p{color:var(--ink2);font-size:.96rem;margin:0}
.whyhome__grid{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:start}
.pillars{display:grid;gap:18px}
.pillar{display:grid;grid-template-columns:auto 1fr;gap:16px;align-items:start}
.pillar__ic{margin-bottom:0}
.pillar h3{font-family:var(--sans);font-weight:700;font-size:1.08rem;margin-bottom:.2em}
.pillar p{color:var(--ink2);font-size:.96rem;margin:0}
.creds{background:var(--sand2);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.creds h3{font-family:var(--sans);font-weight:700;font-size:1.08rem;margin-bottom:.7em}
.creds__badges{display:flex;flex-wrap:wrap;align-items:center;gap:18px;margin-bottom:14px}
.cred img{max-height:42px;width:auto}
.creds__line{color:var(--ink);font-size:.95rem;margin:0;line-height:1.55}

/* ==========================================================================
   COST + INSURANCE
   ========================================================================== */
.cost__grid{display:grid;grid-template-columns:1.5fr 1fr;gap:32px;align-items:start}
.pricecards{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px}
.pricecard{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px 18px}
.pricecard--feat{border-color:var(--teal);box-shadow:0 0 0 2px rgba(11,94,99,.14)}
.pricecard h3{font-family:var(--sans);font-weight:700;font-size:1rem;color:var(--teal);margin-bottom:.4em}
.pricecard__p{font-family:var(--serif);font-size:1.34rem;color:var(--ink);margin-bottom:.5em}
.pricecard ul{list-style:none;margin:0 0 .9em;padding:0;display:grid;gap:6px}
.pricecard li{position:relative;padding-left:18px;color:var(--ink2);font-size:1rem;line-height:1.4}
.pricecard li::before{content:"";position:absolute;left:0;top:8px;width:6px;height:6px;border-radius:50%;background:var(--gold)}
.cover{display:inline-block;font-size:.82rem;font-weight:700;color:var(--clay-ink)}
.insure{background:var(--teal-deep);color:#fff;border-radius:var(--radius);padding:26px 24px}
.insure h3{color:#fff;font-family:var(--sans);font-weight:700;font-size:1.14rem;margin-bottom:.5em}
.insure p{color:rgba(255,255,255,.92);font-size:.96rem}
.insure a{color:var(--gold-lt);text-decoration:underline}
.carriers{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.16)}
.carrier{background:rgba(255,255,255,.95);border-radius:8px;padding:8px 10px;display:flex;align-items:center;justify-content:center;min-height:38px}
.carrier img{max-height:22px;width:auto}

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq__grid{display:grid;grid-template-columns:340px 1fr;gap:40px;align-items:start}
.faq__head{position:sticky;top:96px}
.faq__card{background:var(--teal-deep);color:#fff;border-radius:var(--radius);padding:22px;margin-top:18px}
.faq__card h3{color:#fff;font-family:var(--sans);font-weight:700;font-size:1.1rem;margin-bottom:.35em}
.faq__card p{color:rgba(255,255,255,.92);font-size:1rem;margin-bottom:.9em}
.faq__num{display:block;font-family:var(--serif);font-size:1.5rem;color:var(--gold-lt);margin-bottom:.5em}
.faq__list{display:grid;gap:12px}
.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.faq-item summary{list-style:none;cursor:pointer;padding:16px 20px;font-weight:700;font-size:1.03rem;color:var(--ink);
  display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"";width:10px;height:10px;flex:none;border-right:2px solid var(--teal);
  border-bottom:2px solid var(--teal);transform:rotate(45deg);transition:transform .2s}
.faq-item[open] summary::after{transform:rotate(-135deg)}
.faq-item>div{padding:0 20px 18px}
.faq-item p{color:var(--ink);font-size:.98rem;margin:0;line-height:1.6}

/* ==========================================================================
   CALLSTRIP + CTA BAND + NAP
   ========================================================================== */
.callstrip{background:var(--teal-deep);color:#fff}
.callstrip .wrap{display:flex;flex-wrap:wrap;align-items:center;gap:10px 14px;padding-top:18px;padding-bottom:18px;
  font-weight:600;font-size:1.05rem}
.callstrip a{color:var(--gold-lt);font-weight:800;text-decoration:underline;margin-left:auto}
.callstrip .sun{background:var(--gold-lt)}

.cta-band{background:var(--teal-deep);color:#fff;padding:56px 0}
.cta-band__grid{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.9)}
.cta-band .eyebrow--light{color:var(--gold-lt)}
.nap{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius);padding:22px 24px;display:grid;gap:10px}
.nap__name{font-family:var(--serif);font-size:1.3rem;color:#fff}
.nap__row{display:flex;align-items:center;gap:10px;color:rgba(255,255,255,.92);font-size:.98rem}
.nap__row svg{width:18px;height:18px;fill:var(--gold-lt);flex:none}
.nap__row a{color:#fff;font-weight:700}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.map-embed{line-height:0;border-top:1px solid var(--line)}
.site-footer{background:#0c191b;color:rgba(255,255,255,.82);padding:52px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px}
.foot-name{font-family:var(--serif);font-size:1.35rem;color:#fff;display:block;margin-bottom:10px}
.foot-name span{display:block;font-family:var(--sans);font-size:.78rem;font-weight:600;color:var(--gold-lt);letter-spacing:.04em;text-transform:uppercase;margin-top:3px}
.foot-brand p{font-size:.95rem;color:rgba(255,255,255,.82);margin:0 0 10px}
.foot-sub{color:rgba(255,255,255,.72)!important;font-size:1rem!important}
.foot-nap{font-size:.9rem;color:rgba(255,255,255,.7)}
.foot-nap a{color:#fff;font-weight:700}
.site-footer h3{font-family:var(--sans);font-weight:700;font-size:1rem;color:#fff;margin:0 0 14px}
.foot-list{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.foot-list a{color:rgba(255,255,255,.8);font-size:.94rem}
.foot-list a:hover{color:var(--gold-lt)}
.gbp{display:inline-flex;align-items:center;gap:8px;margin-top:8px;padding:9px 15px;border-radius:var(--pill);
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);color:#fff;font-weight:600;font-size:.9rem}
.gbp svg{width:16px;height:16px;fill:var(--gold-lt);flex:none}
.gbp--light{background:var(--sand2);border-color:var(--line);color:var(--teal)}
.gbp--light svg{fill:var(--teal)}
.email{overflow-wrap:anywhere}
.foot-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;
  margin-top:30px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:.85rem;color:rgba(255,255,255,.62)}
.foot-disc{margin:12px 0 0;font-size:1rem}
.foot-disc a{color:rgba(255,255,255,.72);text-decoration:underline}

/* sticky callbar (mobile) */
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:90;background:var(--clay);
  box-shadow:0 -6px 18px rgba(0,0,0,.16);display:none}
.callbar a{display:flex;align-items:center;justify-content:center;gap:9px;color:#fff;font-weight:800;
  padding:14px;font-size:1.05rem}
.callbar svg{width:20px;height:20px;fill:#fff;flex:none}
.callbar small{font-weight:500;opacity:.9}

/* ==========================================================================
   SERVICE PAGE
   ========================================================================== */
.spage-hero{background:linear-gradient(180deg,var(--sand),var(--sand2));border-bottom:1px solid var(--line-2)}
.spage-hero__wrap{display:grid;grid-template-columns:1fr minmax(300px,500px);gap:44px;align-items:center;padding-top:44px;padding-bottom:48px}
.spage-hero__lead{font-size:1.12rem;color:var(--ink);max-width:44ch;margin-bottom:1em}
.spage-hero__media{margin:0;border-radius:18px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line-2);
  aspect-ratio:5/3.5;max-width:500px;justify-self:end}
.spage-hero__media img{width:100%;height:100%;object-fit:cover}
.bc{font-size:.86rem;color:var(--ink2);margin-bottom:1em;display:flex;flex-wrap:wrap;align-items:center;gap:5px}
.bc a{color:var(--teal);font-weight:600}
.bc .arw{width:15px;height:15px;opacity:.6}
.chip--trust svg{fill:var(--teal)}

.facts{background:var(--sand2);border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2)}
.ataglance{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;padding:0}
.facts .ataglance{padding:24px 0}
.ataglance__item{display:flex;flex-direction:column;gap:3px;padding:6px 22px 6px 0}
.ataglance__k{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--clay-ink)}
.ataglance__v{font-family:var(--serif);font-size:1.2rem;color:var(--ink);line-height:1.15}

/* editorial bands with margin numeral */
.ed{background:var(--sand)}
.ed--alt{background:var(--surface)}
.ed-lead{background:var(--sand)}
.ed__wrap{display:grid;grid-template-columns:auto minmax(0,760px);gap:34px;align-items:start;justify-content:center}
.ed__num{font-family:var(--serif);font-size:3rem;color:rgba(11,94,99,.74);line-height:.9;padding-top:4px}
.prose{max-width:760px}
.prose h2{margin-top:.2em}
.prose p{color:var(--ink);font-size:1.06rem;line-height:1.7}
.prose ul{margin:0 0 1.1em;padding-left:0;list-style:none;display:grid;gap:9px}
.prose li{position:relative;padding-left:26px;color:var(--ink);font-size:1.03rem;line-height:1.5}
.prose li::before{content:"";position:absolute;left:0;top:9px;width:13px;height:8px;
  border-left:2.5px solid var(--teal);border-bottom:2.5px solid var(--teal);transform:rotate(-45deg)}
.prose a{color:var(--teal);text-decoration:underline;font-weight:600}
.prose a.btn,.callcard a.btn,.prose a.gbp{text-decoration:none}
.prose a.btn--call,.callcard a.btn--call{color:#fff}
.prose .ataglance{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;background:var(--sand2);
  border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin:1.4em 0}
.prose .ataglance__item{padding:0}
.callcard{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--clay);
  border-radius:12px;padding:20px 22px;margin:1.4em 0;box-shadow:var(--shadow-sm)}
.callcard p{margin:0 0 .8em;color:var(--ink);font-weight:600}
.bk-callout{background:#EEF3F2;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:1.4em 0}
.bk-callout h3{font-family:var(--sans);font-weight:700;font-size:1.05rem;margin-bottom:.3em}
.bk-callout p{margin:0;color:var(--ink2)}
.svc-quote{margin:1.6em 0 0;padding:20px 24px;background:var(--sand2);border-radius:var(--radius);border-top:3px solid var(--gold)}
.svc-quote p{font-family:var(--serif);font-size:1.2rem;color:var(--ink);line-height:1.4;margin-bottom:.6em}
.svc-quote cite,.svc-quote footer{font-style:normal;font-size:.9rem;color:var(--ink2);font-family:var(--sans)}
.svc-quote cite span,.svc-quote footer span{color:var(--teal);font-weight:600}

/* related as horizon rows */
.rel-rows{display:grid;gap:0;border-top:1px solid var(--line)}
.rel-row{display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:20px 4px;border-bottom:1px solid var(--line);transition:padding .14s ease}
.rel-row:hover{padding-left:14px;background:var(--sand2)}
.rel-row__t{font-family:var(--serif);font-size:1.28rem;color:var(--ink)}
.rel-row__go{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--teal);font-size:.95rem;flex:none}
.rel-row__go .arw{width:17px;height:17px}

/* ==========================================================================
   PAGE HERO (about / contact / service-area / legal / tools)
   ========================================================================== */
.page-hero{background:linear-gradient(180deg,var(--sand),var(--sand2));border-bottom:1px solid var(--line-2)}
.page-hero__wrap{display:grid;grid-template-columns:1fr minmax(300px,500px);gap:44px;align-items:center;padding-top:44px;padding-bottom:48px}
.page-hero__wrap--solo,.page-hero--solo .page-hero__wrap{grid-template-columns:1fr;padding-bottom:40px}
.page-hero__lead{font-size:1.12rem;color:var(--ink);max-width:46ch;margin-bottom:1em}
.page-hero__media{margin:0;border-radius:18px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line-2);
  aspect-ratio:5/3.5;max-width:500px;justify-self:end}
.page-hero__media img{width:100%;height:100%;object-fit:cover}

/* contact + service area */
.contact-cols{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.call-panel{background:var(--teal-deep);color:#fff;border-radius:var(--radius);padding:28px}
.call-panel h2{color:#fff}
.call-panel p{color:rgba(255,255,255,.9);font-size:1rem}
.call-panel .eyebrow--light{color:var(--gold-lt)}
.call-panel__email{font-size:.9rem}
.call-panel__email .email{color:var(--gold-lt);text-decoration:underline}
.call-panel .nap,.call-panel .gbp{margin-top:14px}
.contact-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.contact-card h3{font-family:var(--sans);font-weight:700;font-size:1.1rem;margin-bottom:.6em}
.contact-card .nap{background:var(--sand2);border-color:var(--line)}
.contact-card .nap__name{color:var(--ink)}
.contact-card .nap__row{color:var(--ink)}
.contact-card .nap__row svg{fill:var(--teal)}
.contact-card .nap__row a{color:var(--teal)}
.contact-card__note{color:var(--ink2);font-size:.95rem;margin:14px 0 0}
.checklist{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.checklist li{position:relative;padding-left:28px;color:var(--ink);font-size:1rem}
.checklist li::before{content:"";position:absolute;left:0;top:6px;width:15px;height:9px;
  border-left:2.5px solid var(--teal);border-bottom:2.5px solid var(--teal);transform:rotate(-45deg)}
.areas-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px}
.area{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;box-shadow:var(--shadow-sm)}
.area__head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:.4em}
.area__head h3{font-size:1.16rem;margin:0}
.area__zip{display:inline-flex;align-items:center;gap:5px;font-size:.82rem;font-weight:700;color:var(--teal);flex:none}
.area__zip svg{width:14px;height:14px;fill:var(--teal)}
.area p{color:var(--ink);font-size:.96rem;margin:0;line-height:1.55}

/* legal prose */
.prose--legal{max-width:820px}
.prose--legal h2{font-size:1.5rem;margin-top:1.2em}

/* ==========================================================================
   TOOLS
   ========================================================================== */
.tool-intro{max-width:760px;margin:0 auto 28px;text-align:center}
.tool-intro p{color:var(--ink);font-size:1.05rem}
.tool{background:var(--surface);border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-sm);max-width:960px;margin:0 auto}
.tool__grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;padding:28px}
.optgroup{display:flex;flex-direction:column;gap:10px}
.optgroup--full{grid-column:1/-1}
.optgroup__legend,.field{font-weight:700;font-size:1rem;color:var(--ink)}
.field{display:block;margin-bottom:4px}
select{font-family:var(--sans);font-size:1rem;padding:12px 14px;border:1px solid var(--line);border-radius:10px;background:var(--sand);color:var(--ink);width:100%}
.opt-row{display:flex;flex-wrap:wrap;gap:8px}
.opt-row--col{flex-direction:column;align-items:stretch}
.opt{flex:1 1 auto}
.opt input{position:absolute;opacity:0;width:0;height:0}
.opt label{display:block;padding:11px 14px;border:1px solid var(--line);border-radius:10px;background:var(--sand);
  font-size:.94rem;color:var(--ink);cursor:pointer;transition:.12s}
.opt input:checked+label{background:rgba(11,94,99,.12);border-color:var(--teal);color:var(--teal);font-weight:700}
.opt input:focus-visible+label{outline:2px solid var(--teal);outline-offset:2px}
.tool__result{background:var(--sand2);border-top:1px solid var(--line);padding:26px 28px;text-align:center}
.result-readout{margin-bottom:14px}
.result-readout .k{display:block;font-size:.85rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--clay-ink);margin-bottom:6px}
.result__value{font-family:var(--serif);font-size:2.2rem;color:var(--teal);line-height:1.1}
.tool-note{font-size:1rem;color:var(--ink2);max-width:620px;margin:0 auto 14px;line-height:1.5}
.tool__result .btn--call{display:inline-flex}

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width:980px){
  .hero__wrap,.spage-hero__wrap,.page-hero__wrap,.conditions .wrap,.cov__full,.cov__compact,
  .whyhome__grid,.cost__grid,.reviews__grid,.faq__grid,.cta-band__grid,.svcband__wrap,
  .svcband--rev .svcband__wrap,.contact-cols{grid-template-columns:1fr}
  .hero__media,.spage-hero__media,.page-hero__media,.svcband__media{max-width:560px;justify-self:stretch}
  .svcband--rev .svcband__media{order:0}
  .agg,.faq__head{position:static}
  .reviews__rail{grid-template-columns:1fr}
  .pricecards{grid-template-columns:1fr}
  .ataglance{grid-template-columns:1fr 1fr}
  .ed__wrap{grid-template-columns:1fr}
  .ed__num{font-size:2.2rem}
  .timeline{grid-template-columns:1fr}
}
@media (max-width:920px){
  .nav-toggle{display:flex}
  .mast-phone{display:none}
  .mast-cta .btn--call{display:none}
  .nav{position:fixed;inset:0;top:0;margin:0;flex-direction:column;align-items:stretch;justify-content:flex-start;
    gap:2px;background:var(--sand);padding:88px 20px 40px;overflow-y:auto;transform:translateX(100%);
    transition:transform .24s ease;visibility:hidden;z-index:95}
  body.is-menu .nav{transform:none;visibility:visible}
  body.is-menu{overflow:hidden}
  .site-header{background:var(--surface);border-bottom-color:var(--line-2)}
  .nav>a,.drop>a{padding:14px 12px;font-size:1.08rem;border-bottom:1px solid var(--line-2);border-radius:0}
  .drop{width:100%}
  .drop__menu{position:static;display:none;box-shadow:none;border:0;border-radius:0;min-width:0;
    max-height:none;padding:0 0 6px 10px;background:transparent}
  .drop.is-open .drop__menu{display:block}
  .drop__menu a{font-size:1rem;padding:11px 12px}
  .callbar{display:block}
  body{padding-bottom:60px}
}
@media (max-width:640px){
  .section{padding:48px 0}
  .cta-band{padding:44px 0}
  .wrap{padding:0 18px}
  .statbar__wrap{gap:16px 22px}
  .statbar__logos{margin-left:0;width:100%}
  .risk-grid{grid-template-columns:1fr}
  .carriers{grid-template-columns:repeat(3,1fr)}
  .ataglance{grid-template-columns:1fr 1fr}
  .tool__grid{grid-template-columns:1fr;padding:22px}
  .hero__wrap{padding-top:34px;padding-bottom:40px}
  .review__meta .date{margin-left:0}
  .foot-grid{grid-template-columns:1fr 1fr}
  .foot-brand{grid-column:1/-1}
}
@media (max-width:420px){
  .foot-grid{grid-template-columns:1fr}
  .btn--lg .btn__num{font-size:1.2rem}
}