/* ===== Liberty Bell Health — Brand styles ===== */
:root {
  --gold: #cbb26b;
  --gold-bright: #e0c685;
  --gold-deep: #a8904f;
  --black: #0a0a0a;
  --ink: #1a1a1a;
  --charcoal: #2a2a2a;
  --slate: #4a4a4a;
  --mute: #6b6b6b;
  --line: #e6e3dc;
  --cream: #faf7f0;
  --white: #ffffff;
  --max: 1200px;
  --radius: 10px;
  --shadow: 0 1px 2px rgba(0,0,0,0.04), 0 8px 24px rgba(0,0,0,0.06);
  --shadow-lg: 0 20px 50px rgba(0,0,0,0.15);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

h1, h2, h3 { font-family: 'Fraunces', Georgia, serif; font-weight: 600; letter-spacing: -0.02em; line-height: 1.15; color: var(--black); }
h1 { font-size: clamp(2.2rem, 5vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.75rem); }
h3 { font-size: 1.25rem; }

.eyebrow {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 1rem;
}
.eyebrow.gold { color: var(--gold); }
.gold { color: var(--gold); }

/* ===== Top Bar ===== */
.top-bar {
  background: var(--black);
  color: #d6d3cb;
  font-size: 0.85rem;
  padding: 10px 0;
  border-bottom: 1px solid #1f1f1f;
}
.top-bar-inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
.top-bar-text { color: #b8b3a5; }
.top-bar-phone { color: var(--gold); font-weight: 600; }
.top-bar-phone:hover { color: var(--gold-bright); }

/* ===== Nav ===== */
.nav-wrap { background: var(--black); border-bottom: 1px solid #1f1f1f; position: sticky; top: 0; z-index: 100; }
.nav { display: flex; align-items: center; justify-content: space-between; padding: 16px 24px; gap: 24px; }
.nav-logo { display: flex; align-items: center; gap: 12px; }
.nav-logo img { height: 72px; width: auto; flex-shrink: 0; }
.nav-wrap .nav { padding: 12px 24px; }
.nav-logo-tag {
  font-family: 'Inter', sans-serif;
  font-size: 0.68rem;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  line-height: 1.3;
  max-width: 140px;
}
@media (max-width: 880px) { .nav-logo img { height: 56px; } .nav-logo-tag { display: none; } }
.nav-links { display: flex; gap: 32px; }
.nav-links a {
  color: #e8e5dd;
  font-weight: 500;
  font-size: 0.95rem;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--gold); }
.nav-cta { white-space: nowrap; }

@media (max-width: 768px) {
  .nav-links { display: none; }
}

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.2s ease;
  text-align: center;
  white-space: nowrap;
}
.btn-lg { padding: 16px 32px; font-size: 1rem; }
.btn-primary { background: var(--gold); color: var(--black); border-color: var(--gold); }
.btn-primary:hover { background: var(--gold-bright); border-color: var(--gold-bright); transform: translateY(-1px); }
.btn-secondary { background: transparent; color: var(--white); border-color: var(--white); }
.btn-secondary:hover { background: var(--white); color: var(--black); }
.btn-outline { background: transparent; color: var(--gold); border-color: var(--gold); }
.btn-outline:hover { background: var(--gold); color: var(--black); }
.btn-gold { background: var(--gold); color: var(--black); border-color: var(--gold); }
.btn-gold:hover { background: var(--gold-bright); }

/* ===== Hero centered variant ===== */
.hero-centered { padding: 96px 0 100px; }
.hero-centered .hero-text { max-width: 820px; margin: 0 auto; text-align: center; }
.hero-centered .lede { max-width: 720px; margin: 18px auto 32px; }
.hero-centered .hero-cta { justify-content: center; }
.hero-centered .hero-stats { justify-content: center; gap: 56px; }
.hero-centered .hero-badges { justify-content: center; border-top-color: #2a2a2a; }
@media (max-width: 700px) {
  .hero-centered .hero-stats { gap: 32px; flex-wrap: wrap; }
}

/* ===== Hero ===== */
.hero {
  background: linear-gradient(180deg, var(--black) 0%, #111 100%);
  color: #f4f1e8;
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 80% 20%, rgba(203,178,107,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.hero-inner { display: grid; grid-template-columns: 1.4fr 1fr; gap: 60px; align-items: center; position: relative; }
.hero h1 { color: var(--white); margin: 18px 0 20px; }
.lede { font-size: 1.15rem; color: #c8c4b6; max-width: 540px; margin-bottom: 32px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats { display: flex; gap: 48px; flex-wrap: wrap; padding-top: 32px; border-top: 1px solid #2a2a2a; }
.hero-stats > div { display: flex; flex-direction: column; }
.hero-stats strong { font-family: 'Fraunces', serif; font-size: 2rem; color: var(--gold); line-height: 1; }
.hero-stats span { font-size: 0.85rem; color: #a09c8e; margin-top: 6px; text-transform: uppercase; letter-spacing: 0.1em; }
.hero-art img { width: 100%; max-width: 380px; margin-left: auto; opacity: 0.95; }

@media (max-width: 880px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-art { display: none; }
  .hero { padding: 56px 0 72px; }
}

/* ===== Hub cards (home page) ===== */
.hub-section { padding: 80px 0 100px; background: var(--white); }
.hub-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: 1200px;
  margin: 0 auto;
}
@media (max-width: 880px) { .hub-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .hub-grid { grid-template-columns: 1fr; } }

.hub-card {
  display: flex; flex-direction: column;
  padding: 36px 32px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  transition: all 0.25s ease;
  min-height: 280px;
  position: relative;
}
.hub-card.hub-active:hover {
  transform: translateY(-4px);
  border-color: var(--gold);
  box-shadow: 0 20px 40px rgba(0,0,0,0.08);
}
.hub-active { cursor: pointer; }
.hub-coming {
  background: var(--cream);
  opacity: 0.7;
  cursor: default;
}
.hub-about {
  background: var(--white);
}
.hub-about:hover { transform: translateY(-4px); border-color: var(--gold); box-shadow: 0 20px 40px rgba(0,0,0,0.08); }

.hub-icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
  display: inline-block;
}
.hub-card h2 {
  font-size: 1.45rem;
  margin-bottom: 6px;
  color: var(--black);
}
.hub-meta {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 12px;
}
.hub-coming .hub-meta { color: var(--mute); }
.hub-card p {
  color: var(--slate);
  font-size: 0.97rem;
  flex-grow: 1;
  margin-bottom: 18px;
}
.hub-cta {
  font-weight: 600;
  color: var(--gold-deep);
  font-size: 0.95rem;
}
.hub-coming .hub-cta { color: var(--mute); font-style: italic; }
.hub-about .hub-cta { color: var(--gold-deep); }

/* ===== Pillars (Insurance + Home Care) ===== */
.pillars { padding: 96px 0; background: var(--white); }
.pillar-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 760px) { .pillar-grid { grid-template-columns: 1fr; } }
.pillar-card {
  display: flex; flex-direction: column;
  padding: 44px 36px;
  border-radius: 14px;
  background: var(--black);
  color: #e8e5dd;
  border: 1px solid #1a1a1a;
  transition: all 0.25s ease;
  position: relative;
  overflow: hidden;
  min-height: 280px;
}
.pillar-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 120%, rgba(203,178,107,0.12) 0%, transparent 50%);
  pointer-events: none;
}
.pillar-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--gold); }
.pillar-badge {
  display: inline-block;
  align-self: flex-start;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--black); background: var(--gold);
  padding: 6px 12px; border-radius: 4px; margin-bottom: 28px;
}
.pillar-card h3 { color: var(--white); font-size: 1.7rem; margin-bottom: 14px; position: relative; }
.pillar-card p { color: #c8c4b6; margin-bottom: 24px; flex-grow: 1; position: relative; }
.pillar-link { color: var(--gold); font-weight: 600; font-size: 0.95rem; position: relative; }
.pillar-card:hover .pillar-link { color: var(--gold-bright); }

/* ===== Home Care Section ===== */
.homecare-grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: 60px; align-items: start; }
@media (max-width: 880px) { .homecare-grid { grid-template-columns: 1fr; gap: 32px; } }
.homecare-text > p { color: var(--slate); font-size: 1.05rem; margin-bottom: 32px; max-width: 620px; }
.homecare-services { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 32px; }
@media (max-width: 560px) { .homecare-services { grid-template-columns: 1fr; } }
.hc-service h4 { font-family: 'Fraunces', serif; font-size: 1.1rem; color: var(--black); margin-bottom: 6px; }
.hc-service p { color: var(--slate); font-size: 0.95rem; }
.hc-stat-card {
  background: var(--white); padding: 32px;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}
.hc-stat-card h4 { font-family: 'Fraunces', serif; font-size: 1.25rem; color: var(--black); margin-bottom: 20px; }
.hc-checks { list-style: none; margin-bottom: 24px; }
.hc-checks li { padding: 8px 0 8px 26px; position: relative; color: var(--ink); font-size: 0.95rem; }
.hc-checks li::before { content: '✓'; position: absolute; left: 0; color: var(--gold-deep); font-weight: 700; }
.btn-block { display: block; width: 100%; }

/* ===== Contact Page ===== */
.contact-hero { background: linear-gradient(180deg, var(--black) 0%, #111 100%); color: #f4f1e8; padding: 72px 0 80px; }
.contact-hero h1 { color: var(--white); margin: 12px 0 16px; }
.contact-hero .lede { color: #c8c4b6; max-width: 640px; margin-bottom: 36px; }
.contact-quick { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
@media (max-width: 700px) { .contact-quick { grid-template-columns: 1fr; } }
.contact-quick-item {
  display: flex; flex-direction: column;
  padding: 20px 24px;
  background: #161616;
  border: 1px solid #262626;
  border-radius: var(--radius);
  transition: all 0.2s ease;
}
a.contact-quick-item:hover { border-color: var(--gold); transform: translateY(-2px); }
.cq-label { font-size: 0.78rem; color: #a09c8e; text-transform: uppercase; letter-spacing: 0.14em; margin-bottom: 4px; }
.cq-value { font-family: 'Fraunces', serif; font-size: 1.25rem; color: var(--gold); }

.contact-tabs {
  display: flex; gap: 8px;
  background: var(--cream); padding: 6px;
  border-radius: 12px; max-width: 480px;
  margin: 0 auto 40px;
}
.contact-tab {
  flex: 1; padding: 12px 20px;
  background: transparent; border: 0;
  font-family: 'Inter', sans-serif; font-weight: 600; font-size: 0.95rem;
  color: var(--mute); cursor: pointer; border-radius: 8px;
  transition: all 0.2s ease;
}
.contact-tab:hover { color: var(--ink); }
.contact-tab.active { background: var(--black); color: var(--gold); }

.contact-form { display: none; max-width: 760px; margin: 0 auto; }
.contact-form.active { display: block; }
.form-intro { text-align: center; margin-bottom: 36px; }
.form-intro h2 { margin-bottom: 12px; }
.form-intro p { color: var(--slate); max-width: 560px; margin: 0 auto; }

.cf-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.cf-field { display: flex; flex-direction: column; gap: 6px; }
.cf-field > span, .cf-field > legend { font-size: 0.88rem; font-weight: 600; color: var(--ink); }
.cf-field em { color: var(--mute); font-style: normal; font-weight: 400; }
.cf-half { grid-column: span 1; }
.cf-full { grid-column: 1 / -1; }
@media (max-width: 600px) { .cf-half { grid-column: 1 / -1; } }

.cf-field input[type="text"],
.cf-field input[type="email"],
.cf-field input[type="tel"],
.cf-field input[type="date"],
.cf-field select,
.cf-field textarea {
  padding: 12px 14px;
  border: 1px solid var(--line); border-radius: 8px;
  font-family: inherit; font-size: 1rem;
  background: var(--white); color: var(--ink);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.cf-field input:focus, .cf-field select:focus, .cf-field textarea:focus {
  outline: none; border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(203,178,107,0.18);
}
.cf-field textarea { resize: vertical; min-height: 90px; }

fieldset.cf-field { border: 0; padding: 0; margin: 0; }
.cf-checks, .cf-radios {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px;
  margin-top: 4px;
}
.cf-radios { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 700px) {
  .cf-checks { grid-template-columns: repeat(2, 1fr); }
  .cf-radios { grid-template-columns: 1fr; }
}
.cf-checks label, .cf-radios label {
  display: flex; align-items: center; gap: 8px;
  padding: 10px 12px;
  border: 1px solid var(--line); border-radius: 8px;
  font-size: 0.92rem; cursor: pointer;
  transition: all 0.15s ease;
}
.cf-checks label:hover, .cf-radios label:hover { border-color: var(--gold); background: var(--cream); }
.cf-checks input, .cf-radios input { accent-color: var(--gold-deep); }

.cf-consent { flex-direction: row; align-items: flex-start; gap: 10px; }
.cf-consent input { margin-top: 4px; accent-color: var(--gold-deep); }
.cf-consent span { font-size: 0.85rem; color: var(--slate); font-weight: 400; line-height: 1.5; }
.cf-consent a { color: var(--gold-deep); text-decoration: underline; }

.cf-status { grid-column: 1 / -1; text-align: center; min-height: 1.5em; font-weight: 500; }
.cf-status-ok { color: #1a7a3a; }
.cf-status-err { color: #b1322f; }
.cf-disclosure {
  grid-column: 1 / -1;
  margin-top: 16px; padding-top: 20px;
  border-top: 1px solid var(--line);
  font-size: 0.78rem; line-height: 1.55; color: var(--mute);
}
.cf-disclosure a { color: var(--gold-deep); text-decoration: underline; }

/* ===== CMS Medicare Disclaimer ===== */
.cms-disclaimer {
  background: var(--cream);
  border-left: 4px solid var(--gold);
  padding: 20px 24px;
  margin: 32px 0;
  border-radius: 8px;
  font-size: 0.88rem; line-height: 1.6; color: var(--slate);
}
.cms-disclaimer strong { color: var(--black); display: block; margin-bottom: 4px; }

/* ===== Direct Agents ===== */
.direct-agents { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; max-width: 900px; margin: 0 auto; }
@media (max-width: 760px) { .direct-agents { grid-template-columns: 1fr; } }
.da-card {
  background: var(--white); padding: 32px 28px;
  border-radius: var(--radius); border: 1px solid var(--line);
  text-align: center;
  transition: all 0.2s ease;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.da-card .da-title { flex-grow: 1; }
.da-card:hover { border-color: var(--gold); transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.da-card h3 { font-size: 1.35rem; margin-bottom: 4px; }
.da-title { display: block; font-size: 0.88rem; color: var(--mute); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 20px; }
.da-phone {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--black);
  letter-spacing: 0.01em;
  border-bottom: 2px solid var(--gold);
  padding-bottom: 2px;
  transition: all 0.2s ease;
}
.da-phone:hover { color: var(--gold-deep); border-bottom-color: var(--gold-deep); }

/* ===== Team by business (about page) ===== */
.team-by-business {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: 980px;
  margin: 0 auto;
}
@media (max-width: 760px) { .team-by-business { grid-template-columns: 1fr; } }
.tbb-block {
  background: var(--white);
  padding: 28px;
  border-radius: 12px;
  border: 1px solid var(--line);
  text-align: center;
  transition: all 0.2s ease;
}
.tbb-block:hover { border-color: var(--gold); transform: translateY(-2px); }
.tbb-label {
  display: inline-block;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 12px;
}
.tbb-roster {
  font-family: 'Fraunces', serif;
  font-size: 1.05rem;
  color: var(--ink);
  margin-bottom: 18px;
  line-height: 1.5;
}
.tbb-link { color: var(--gold-deep); font-weight: 600; font-size: 0.92rem; }
.tbb-link:hover { color: var(--gold); }

/* ===== Stats grid (about page) ===== */
.stats-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
  max-width: 980px; margin: 0 auto;
}
@media (max-width: 760px) { .stats-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .stats-grid { grid-template-columns: 1fr; } }
.stat-tile {
  text-align: center;
  padding: 32px 20px;
  background: var(--cream);
  border-radius: 12px;
  border: 1px solid var(--line);
}
.stat-tile h3 {
  font-family: 'Fraunces', serif;
  font-size: 3rem; line-height: 1;
  color: var(--gold-deep);
  margin-bottom: 12px;
}
.stat-tile p { color: var(--slate); font-size: 0.95rem; }

/* ===== Lead magnet landing ===== */
.lm-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 60px; align-items: start; }
@media (max-width: 880px) { .lm-grid { grid-template-columns: 1fr; gap: 32px; } }
.lm-content h1 { color: var(--white); margin-bottom: 20px; }
.lm-content .lede { color: #c8c4b6; }
.lm-list { list-style: none; margin: 24px 0; }
.lm-list li { padding: 10px 0 10px 32px; position: relative; color: #c8c4b6; border-bottom: 1px solid #1f1f1f; }
.lm-list li::before { content: '✓'; position: absolute; left: 0; color: var(--gold); font-weight: 700; font-size: 1.1rem; }
.lm-fineprint { color: #9a978b; font-size: 0.85rem; font-style: italic; }
.lm-form-card {
  background: var(--white); padding: 32px;
  border-radius: 12px; box-shadow: var(--shadow-lg);
}
.lm-form-card h3 { font-family: 'Fraunces', serif; font-size: 1.6rem; color: var(--black); margin-bottom: 6px; }
.lm-form-sub { color: var(--mute); font-size: 0.95rem; margin-bottom: 20px; }
.lm-form { display: grid; gap: 14px; }
.lm-form .cf-field { display: flex; flex-direction: column; gap: 6px; }
.lm-form-disclosure { font-size: 0.75rem; color: var(--mute); margin-top: 4px; }

/* ===== Home care sub-section chrome ===== */
/* When body.is-home-care, the top chrome reskins to make /home-care/* feel like its own site */
/* Home care sub-section: chrome stays identical to insurance pages.
   The only differences are the nav items (Services/Eligibility/Care Team/...)
   and the page content itself. No special top bar, no sub-brand strip,
   no logo swap. It reads as one cohesive site with a home care section. */

/* Back-link styling for the dark top bar (home care pages) */
.hc-back-link {
  color: var(--gold);
  font-weight: 500;
}
.hc-back-link:hover { color: var(--gold-bright); }

.hc-divider { margin: 0 10px; opacity: 0.5; }
@media (max-width: 700px) { .hc-divider, body.is-home-care .top-bar-text > :not(.hc-back-link) { display: none; } }



/* ===== Mobile sticky call bar ===== */
.mobile-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  display: none;
  background: var(--black);
  border-top: 1px solid #2a2a2a;
  padding: 10px 14px;
  z-index: 999;
  gap: 10px;
  box-shadow: 0 -4px 16px rgba(0,0,0,0.2);
}
.mobile-cta a {
  flex: 1;
  display: flex; align-items: center; justify-content: center;
  padding: 14px 12px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95rem;
}
.mobile-cta .mc-call { background: var(--gold); color: var(--black); }
.mobile-cta .mc-call::before { content: '📞'; margin-right: 8px; }
.mobile-cta .mc-quote { background: transparent; color: var(--gold); border: 1px solid var(--gold); }

@media (max-width: 760px) {
  .mobile-cta { display: flex; }
  body { padding-bottom: 72px; }
}

/* ===== Marketplace badge on hero ===== */
.hero-badges {
  display: flex; gap: 16px; align-items: center;
  margin-top: 28px; padding-top: 24px;
  border-top: 1px solid #2a2a2a;
  flex-wrap: wrap;
}
.hero-badges img { height: 56px; width: auto; }
.hero-badges-label { font-size: 0.78rem; color: #9a978b; text-transform: uppercase; letter-spacing: 0.12em; }

/* ===== Legal pages ===== */
.legal-wrap { max-width: 820px; margin: 0 auto; }
.legal-wrap h2 {
  font-family: 'Fraunces', serif; font-size: 1.45rem; font-weight: 600;
  color: var(--black); margin: 40px 0 12px;
  padding-bottom: 8px; border-bottom: 1px solid var(--line);
}
.legal-wrap h2:first-child { margin-top: 0; }
.legal-wrap p { color: var(--slate); margin-bottom: 14px; line-height: 1.75; }
.legal-wrap p strong { color: var(--black); }
.legal-wrap a { color: var(--gold-deep); text-decoration: underline; }
.legal-wrap a:hover { color: var(--gold); }

/* ===== Service detail pages ===== */
.svc-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: 56px; align-items: start; }
@media (max-width: 880px) { .svc-grid { grid-template-columns: 1fr; gap: 32px; } }
.svc-content > p { color: var(--slate); font-size: 1.05rem; margin: 12px 0 24px; max-width: 620px; }
.svc-list { list-style: none; }
.svc-list li {
  padding: 14px 0 14px 28px; position: relative;
  border-bottom: 1px solid var(--line);
  color: var(--slate);
}
.svc-list li:last-child { border-bottom: 0; }
.svc-list li::before { content: '✓'; position: absolute; left: 0; color: var(--gold-deep); font-weight: 700; }
.svc-list strong { color: var(--black); }
.svc-card {
  background: var(--cream); padding: 32px;
  border-radius: var(--radius); border: 1px solid var(--line);
  position: sticky; top: 100px;
}
.svc-card h4 { font-family: 'Fraunces', serif; font-size: 1.25rem; margin-bottom: 18px; }

/* ===== FAQ ===== */
.faq-wrap { max-width: 820px; margin: 0 auto; }
.faq {
  border-bottom: 1px solid var(--line);
  padding: 18px 0;
}
.faq summary {
  font-family: 'Fraunces', serif; font-size: 1.15rem;
  color: var(--black); cursor: pointer; list-style: none;
  padding-right: 32px; position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+'; position: absolute; right: 0; top: -2px;
  color: var(--gold-deep); font-size: 1.6rem; line-height: 1;
  transition: transform 0.2s ease;
}
.faq[open] summary::after { transform: rotate(45deg); }
.faq p { margin-top: 14px; color: var(--slate); line-height: 1.7; }
.faq strong { color: var(--black); }

/* ===== Hero short variant (interior pages) ===== */
.hero-short { padding: 64px 0 80px; }
.hero-short h1 { max-width: 800px; }
.hero-short .lede { max-width: 720px; margin-top: 18px; color: #c8c4b6; font-size: 1.1rem; }

/* ===== Agent Blocks ===== */
.agent-block {
  display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px;
  align-items: center;
  padding: 56px 0;
  border-bottom: 1px solid var(--line);
}
.agent-block:last-of-type { border-bottom: 0; }
.agent-block-reverse { direction: rtl; }
.agent-block-reverse > * { direction: ltr; }
@media (max-width: 760px) {
  .agent-block, .agent-block-reverse { grid-template-columns: 1fr; gap: 28px; direction: ltr; padding: 36px 0; }
}

.agent-photo {
  aspect-ratio: 1 / 1;
  width: 100%;
  border-radius: 14px;
  overflow: hidden;
  background: var(--cream);
  border: 1px solid var(--line);
}
.agent-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.agent-photo-placeholder {
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--black) 0%, #1f1f1f 100%);
}
.agent-photo-placeholder span {
  font-family: 'Fraunces', serif;
  font-size: 5rem;
  color: var(--gold);
  font-weight: 600;
}

.agent-eyebrow {
  display: inline-block;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--gold-deep); margin-bottom: 8px;
}
.agent-info h2 { font-size: clamp(1.7rem, 3vw, 2.2rem); margin-bottom: 16px; }
.agent-bio { color: var(--slate); font-size: 1.02rem; margin-bottom: 24px; }
.agent-bio em { color: var(--mute); font-style: italic; }

.agent-meta {
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px 28px;
  padding: 20px 0; margin-bottom: 24px;
  border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
}
.agent-meta > div { display: flex; flex-direction: column; gap: 2px; }
.agent-meta dt { font-size: 0.75rem; color: var(--mute); text-transform: uppercase; letter-spacing: 0.12em; font-weight: 600; }
.agent-meta dd { font-size: 0.98rem; color: var(--ink); }
.agent-meta dd a { color: var(--gold-deep); font-weight: 600; }
.agent-meta dd a:hover { color: var(--gold); }

.agent-cta { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-secondary-dark { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-secondary-dark:hover { background: var(--ink); color: var(--white); }

/* ===== Coming Soon block ===== */
.coming-soon {
  margin-top: 56px;
  padding: 32px 36px;
  background: var(--black);
  color: #c8c4b6;
  border-radius: var(--radius);
  border-left: 4px solid var(--gold);
}
.coming-soon h3 { color: var(--white); margin: 8px 0 12px; font-size: 1.4rem; }
.coming-soon p { color: #c8c4b6; }
.coming-soon a { color: var(--gold); font-weight: 600; text-decoration: underline; }
.coming-soon a:hover { color: var(--gold-bright); }

/* ===== Carriers / Trust Bar ===== */
.carriers { background: var(--cream); padding: 36px 0; border-bottom: 1px solid var(--line); }
.carriers-label { text-align: center; font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--mute); font-weight: 600; margin-bottom: 18px; }
.carriers-list { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; }
.carriers-list span { font-family: 'Fraunces', serif; font-size: 1.05rem; color: var(--slate); font-weight: 500; }

/* ===== Sections ===== */
.section { padding: 96px 0; }
.section-cream { background: var(--cream); }
.section-dark { background: var(--black); color: #e8e5dd; }
.section-dark h2 { color: var(--white); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 60px; }
.section-sub { font-size: 1.1rem; color: var(--slate); margin-top: 16px; }

/* ===== Services Grid ===== */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 880px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .services-grid { grid-template-columns: 1fr; } }

.service-card {
  background: var(--white);
  padding: 32px 28px;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  transition: all 0.25s ease;
  display: flex; flex-direction: column;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--gold); }
.service-icon {
  width: 52px; height: 52px;
  display: flex; align-items: center; justify-content: center;
  background: var(--cream);
  color: var(--gold-deep);
  font-size: 1.6rem;
  border-radius: 12px;
  margin-bottom: 20px;
  font-weight: 700;
}
.service-card h3 { margin-bottom: 10px; }
.service-card p { color: var(--slate); font-size: 0.97rem; flex-grow: 1; }
.card-link { color: var(--gold-deep); font-weight: 600; font-size: 0.9rem; margin-top: 16px; }
.service-card:hover .card-link { color: var(--gold); }

/* ===== Why grid ===== */
.why-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 80px; align-items: center; }
.why-text p { color: #c8c4b6; font-size: 1.05rem; margin-bottom: 24px; }
.why-list { list-style: none; margin-bottom: 32px; }
.why-list li { padding: 12px 0 12px 28px; position: relative; color: #c8c4b6; border-bottom: 1px solid #1f1f1f; }
.why-list li:last-child { border-bottom: 0; }
.why-list li::before { content: '✓'; position: absolute; left: 0; color: var(--gold); font-weight: 700; }
.why-list strong { color: var(--white); }
.why-image img { max-width: 320px; margin: 0 auto; opacity: 0.92; }
@media (max-width: 880px) { .why-grid { grid-template-columns: 1fr; gap: 40px; } .why-image { display: none; } }

/* ===== Steps ===== */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }
.step { text-align: center; padding: 0 16px; }
.step-num {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--black);
  color: var(--gold);
  font-family: 'Fraunces', serif;
  font-size: 1.4rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  border: 2px solid var(--gold);
}
.step h3 { margin-bottom: 10px; }
.step p { color: var(--slate); }

/* ===== Reviews ===== */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 24px; }
.reviews-2x2 { grid-template-columns: repeat(2, 1fr); max-width: 960px; margin-left: auto; margin-right: auto; }
@media (max-width: 880px) { .reviews, .reviews-2x2 { grid-template-columns: 1fr; } }
.reviews-cta { text-align: center; font-weight: 600; }
.reviews-cta a { color: var(--gold-deep); }
.reviews-cta a:hover { color: var(--gold); }
.review { background: var(--white); padding: 28px; border-radius: var(--radius); box-shadow: var(--shadow); }
.stars { color: var(--gold); letter-spacing: 3px; font-size: 1.1rem; margin-bottom: 12px; }
.review p { font-style: italic; color: var(--ink); margin-bottom: 16px; }
.review-name { font-size: 0.9rem; color: var(--mute); font-weight: 500; }
.reviews-note { text-align: center; font-size: 0.85rem; color: var(--mute); font-style: italic; }

/* ===== CTA Band ===== */
.cta-band { background: var(--black); color: var(--white); padding: 80px 0; text-align: center; position: relative; overflow: hidden; }
.cta-band::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 50% 50%, rgba(203,178,107,0.12) 0%, transparent 60%);
}
.cta-inner { position: relative; }
.cta-band h2 { color: var(--white); margin-bottom: 12px; }
.cta-band p { color: #c8c4b6; font-size: 1.1rem; margin-bottom: 32px; }
.cta-buttons { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ===== Footer ===== */
.footer { background: #060606; color: #9a978b; padding: 64px 0 0; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; }
@media (max-width: 880px) { .footer-inner { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-inner { grid-template-columns: 1fr; } }
.footer-brand img { height: 50px; margin-bottom: 16px; }
.footer-brand p { font-size: 0.92rem; max-width: 320px; margin-bottom: 20px; }
.footer-social { display: flex; gap: 16px; }
.footer-social a { font-size: 0.85rem; color: var(--gold); }
.footer-col h4 { color: var(--white); font-family: 'Inter', sans-serif; font-size: 0.95rem; margin-bottom: 16px; }
.footer-col a, .footer-col p { display: block; font-size: 0.9rem; color: #9a978b; padding: 4px 0; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid #1a1a1a; padding: 24px 0; }
.footer-bottom p { font-size: 0.8rem; color: #6b6859; }