:root{--charcoal:#242729;--dark:#1b1e20;--gold:#c5aa72;--gold-light:#ddc797;--paper:#f8f7f4;--ink:#292d2f;--muted:#646864;--line:rgba(36,39,41,.18);--serif:'DM Serif Display',Georgia,serif;--sans:'DM Sans',Arial,sans-serif}*{box-sizing:border-box}html{scroll-padding-top:110px}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.6}button,input{font:inherit}button,a{-webkit-tap-highlight-color:transparent}button{cursor:pointer}a{color:inherit;text-decoration:none}button{border:0}img{display:block;max-width:100%}h1,h2,h3,p{margin:0}h1,h2,h3{font-weight:400}h1,h2,h3{font-family:var(--serif)}h2{font-size:clamp(2.4rem,4.4vw,4.7rem);line-height:1.08;letter-spacing:-.035em}em{font-weight:400;color:#927444}h3{line-height:1.2}p{font-weight:400}button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:6px}::selection{background:var(--gold);color:var(--dark)}.skip-link{position:fixed;top:-90px;left:20px;background:white;padding:14px;z-index:10000}.skip-link:focus{top:15px}.site-header{height:104px;position:fixed;top:0;left:0;right:0;background:var(--charcoal);color:var(--gold-light);z-index:100;display:flex;align-items:center;justify-content:space-between;padding:0 3.5vw;border-bottom:1px solid #c5aa7238}.identity{display:flex;align-items:center;gap:15px}.brand-mark{display:block;flex-shrink:0;width:58px;height:58px;object-fit:contain}.identity-name{font-family:var(--serif);font-size:25px;line-height:1.1}.identity-name small{display:block;font:8px var(--sans);letter-spacing:1.8px;margin-top:8px}nav{display:flex;align-items:center;gap:30px;font-size:14px}nav>a{position:relative}nav>a:after{content:'';position:absolute;height:1px;background:var(--gold);bottom:-6px;left:0;width:0;transition:width .2s}nav>a:hover:after,nav>a.active:after{width:100%}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:54px;border-radius:100px;padding:13px 26px;font-weight:500;font-size:15px;line-height:1.4;transition:background .22s,color .22s,transform .22s;border:1px solid transparent}.button span{font-size:22px;font-weight:400;line-height:1}.button:hover{transform:translateY(-2px)}.button-gold{background:var(--gold);color:#202426}.button-gold:hover{background:var(--gold-light)}.button-outline{color:var(--gold-light);border-color:#c5aa7290;background:transparent}.button-outline:hover{background:var(--gold);color:var(--dark)}.header-quote{min-height:42px;font-size:13px;padding:10px 21px;gap:10px}.button-light{background:transparent;border-color:#e5e1d080;color:#fff}.button-light:hover{background:#ffffff15}.button-dark{background:var(--charcoal);color:var(--gold-light)}.menu-toggle{display:none}.hero{position:relative;min-height:850px;min-height:100svh;display:flex;align-items:center;color:#fff;padding:174px 5.2vw 130px;overflow:hidden}.hero-image,.hero-shade{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero-image{object-position:center 46%}.hero-shade{background:linear-gradient(90deg,rgba(15,19,20,.87) 0%,rgba(15,19,20,.64) 36%,rgba(15,19,20,.14) 76%),linear-gradient(0deg,rgba(15,19,20,.75),transparent 32%)}.hero-content{position:relative;z-index:1;width:100%;padding-top:22px}.eyebrow{font-size:11px;font-weight:600;letter-spacing:2.3px;line-height:1.5}.hero .eyebrow{display:flex;gap:13px;align-items:center;color:var(--gold-light);margin-bottom:25px}.hero .eyebrow>span{width:28px;height:1px;background:var(--gold)}h1{font-size:clamp(3.5rem,6.15vw,7.3rem);line-height:.99;letter-spacing:-.035em;max-width:880px}h1 em{color:var(--gold-light)}.hero-copy{font-size:17px;line-height:1.65;color:#e0e0d9;margin-top:29px}.hero-actions{display:flex;gap:15px;margin-top:33px}.hero-actions .button{min-width:0}.hero-bottom{position:absolute;left:5.2vw;right:5.2vw;bottom:24px;display:flex;align-items:center;justify-content:space-between;font-size:9px;letter-spacing:2px;color:#ddd9ce;border-top:1px solid #ffffff25;padding-top:19px}.scroll-cue{font-size:28px;line-height:1}.section-padding{padding:90px 7vw}.section-label{display:flex;align-items:center;gap:25px;font-size:10px;font-weight:600;letter-spacing:2px;margin-bottom:53px}.fine-line{height:1px;background:var(--line);flex:1}.intro-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:10%}.intro-copy{padding-top:10px}.intro-copy p{color:var(--muted);margin-bottom:22px;max-width:470px}.intro-copy p:first-child{font-size:22px;color:var(--ink);line-height:1.5}.text-link{display:inline-flex;align-items:center;gap:25px;font-size:14px;font-weight:500;padding:8px 0;border-bottom:1px solid #a18b62}.text-link span{font-size:23px}.values{display:grid;grid-template-columns:repeat(3,1fr);gap:50px;border-top:1px solid var(--line);padding-top:30px;margin-top:65px}.values>div{position:relative;padding-left:38px}.value-number{position:absolute;left:0;top:4px;color:#907b54;font-size:11px}.values h3{font-family:var(--sans);font-size:17px;font-weight:500;margin-bottom:10px}.values p{color:var(--muted);font-size:14px;max-width:280px}.coverage{background:#eeeee8}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:40px}.section-heading>p{color:var(--muted);font-size:16px;padding-bottom:6px}.auto-feature{display:grid;grid-template-columns:1fr 1fr;background:var(--charcoal);color:white;overflow:hidden}.auto-photo{position:relative;min-height:400px;overflow:hidden}.auto-photo img{height:100%;width:100%;object-fit:cover}.auto-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,#0007,transparent 50%)}.photo-tag{position:absolute;bottom:25px;left:28px;z-index:1;font-size:10px;letter-spacing:2px}.auto-content{padding:55px 45px}.auto-content .eyebrow{color:var(--gold-light)}.auto-content h3{font-size:clamp(2rem,3vw,3.5rem);margin:22px 0}.auto-content em{color:var(--gold-light)}.auto-content p{color:#c5c8c5;font-size:15px;max-width:440px;margin-bottom:30px}.coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:26px}.coverage-card{padding:30px 28px 32px 0;border-bottom:1px solid var(--line)}.coverage-card:nth-child(3n+2),.coverage-card:nth-child(3n){padding-left:30px;border-left:1px solid var(--line)}.card-index{color:#8d7750;font-size:11px;letter-spacing:1px}.coverage-card h3{font-size:25px;margin:18px 0 11px}.coverage-card p{font-size:14px;color:var(--muted);max-width:320px;text-wrap:balance}.other-coverages{margin-top:20px;border-bottom:1px solid var(--line)}summary{display:flex;justify-content:space-between;align-items:center;padding:18px 0;cursor:pointer;font-size:15px;list-style:none}summary::-webkit-details-marker{display:none}summary span{font-size:25px}.other-coverages[open] summary span{transform:rotate(45deg)}.other-coverages p{padding:0 0 25px;font-size:15px;color:var(--muted)}.claims{background:var(--charcoal);color:#f6f4ef}.claims .section-label{color:var(--gold-light)}.claims .fine-line{background:#c5aa7240}.claims em{color:var(--gold-light)}.claims-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:10%;align-items:center}.claims-grid p{color:#c5c8c5;margin-bottom:28px;max-width:440px}.contact-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:10%;align-items:center}.contact .eyebrow{color:#7b6947}.contact h2{margin:21px 0 23px}.contact p:not(.eyebrow){color:var(--muted);margin-bottom:28px;text-wrap:balance}.contact-details{border-left:1px solid var(--line);padding:25px 0 25px 50px}.phone{font-size:clamp(1.7rem,3vw,3.1rem);display:flex;align-items:center;gap:24px;margin:17px 0 10px;letter-spacing:-1px}.phone span{font-size:27px;color:#927444}.contact-signature{font-family:var(--serif);font-size:25px;margin-top:55px}.contact-signature small{display:block;font:13px var(--sans);color:var(--muted);margin-top:4px}footer{padding:27px 7vw;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:20px;font-size:11px;color:var(--muted)}footer>a{color:var(--ink)}#preloader{display:none}.js #preloader{position:fixed;inset:0;background:var(--charcoal);color:var(--gold-light);z-index:5000;display:flex;align-items:center;justify-content:center;flex-direction:column;gap:22px;pointer-events:none}.loader-kicker{font-size:9px;letter-spacing:3px}.loader-name{font-family:var(--serif);font-size:clamp(35px,6vw,76px)}.loader-name span{color:var(--gold)}.loader-line{width:160px;height:1px;background:var(--gold);transform-origin:left;animation:loader-progress 1.2s ease-in-out infinite}@keyframes loader-progress{0%{transform:scaleX(0);opacity:.4}70%{transform:scaleX(1);opacity:1}100%{opacity:0}}dialog{border:1px solid #c5aa723b;background:var(--paper);color:var(--ink);padding:0;width:min(980px,calc(100% - 40px));max-height:calc(100dvh - 40px);border-radius:6px;overflow:auto;overscroll-behavior:contain}dialog::backdrop{background:#11181bd9;backdrop-filter:blur(7px)}.popup-panel{padding:65px 50px;display:grid;grid-template-columns:1fr 1.15fr;gap:45px;position:relative}.popup-close{position:absolute;right:17px;top:14px;border:1px solid #aaa491;border-radius:50%;background:transparent;color:var(--ink);width:37px;height:37px;font-size:27px;line-height:1}.popup-intro .eyebrow{color:#8b7143;font-size:10px}.popup-intro h2{font-size:43px;margin:20px 0}.popup-intro p{font-size:15px;color:var(--muted)}.popup-signature{display:block;font-family:var(--serif);font-size:22px;margin-top:55px}.popup-signature small{font-family:var(--sans);font-size:11px;color:var(--muted)}form label{font-size:13px;display:block;font-weight:500;margin-bottom:20px}form input:not([type=checkbox]){display:block;width:100%;border:0;border-bottom:1px solid #aead9f;border-radius:0;background:transparent;padding:13px 0;color:var(--ink);font-size:16px;outline-offset:4px}form input:focus{outline:2px solid var(--gold)}input::placeholder{color:#8a8c86;font-size:14px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:24px}.checkbox-label{display:flex;align-items:center;gap:10px;margin:8px 0 24px}.checkbox-label input{accent-color:#8b7143;width:19px;height:19px}.submit-button{width:100%;font-size:14px;margin-top:10px}.form-note{font-size:11px;text-align:center;color:var(--muted);margin-top:14px}@media(min-width:1600px){.hero{padding-top:200px;padding-bottom:160px}.hero-copy{font-size:20px}.hero-content{padding-top:65px}.hero .eyebrow{font-size:12px}}@media(max-width:1100px){nav{gap:18px;font-size:12px}.identity-name{font-size:21px}.brand-mark{width:46px;height:46px}.site-header{padding:0 3vw;height:90px}.header-quote{padding:10px 16px;gap:10px}.hero{padding-top:145px}h1{font-size:clamp(3.7rem,7.7vw,6rem)}.section-padding{padding:70px 5vw}.intro-grid,.claims-grid,.contact-grid{gap:6%}.auto-content{padding:35px}.contact-details{padding-left:25px}.values{gap:20px}}@media(max-width:800px){.site-header{height:80px;padding:0 5vw}.identity-name{font-size:21px}.identity-name small{font-size:7px}.menu-toggle{display:flex;align-items:center;gap:12px;color:var(--gold-light);background:none;font-size:13px;padding:10px 0}nav{display:none;position:absolute;top:80px;left:0;right:0;background:var(--charcoal);padding:25px 6vw 35px;border-bottom:1px solid var(--gold);font-size:18px;align-items:stretch;gap:20px}nav.is-open{display:flex;flex-direction:column}.header-quote{font-size:15px}.hero{padding:145px 6vw 105px;min-height:790px;min-height:100svh}.hero-image{object-position:60% center}.hero-shade{background:linear-gradient(90deg,#111719dd,#11171966),linear-gradient(0deg,#111719b0,transparent)}h1{font-size:clamp(3.2rem,9vw,5rem);line-height:1.02}.hero-copy{font-size:16px;max-width:410px}.hero .eyebrow{font-size:9px;letter-spacing:1.8px}.hero-bottom{left:6vw;right:6vw;font-size:8px;letter-spacing:1px}.hero-bottom>span:last-child{display:none}.section-label{margin-bottom:35px;font-size:9px}.intro-grid,.claims-grid,.contact-grid{grid-template-columns:1fr;gap:30px}.intro-copy p{max-width:100%}.values{gap:20px;margin-top:45px}.values>div{padding:0}.value-number{position:static;display:block;margin-bottom:12px}.section-heading{gap:25px}.section-heading>p{font-size:14px}.auto-feature{grid-template-columns:1fr}.auto-photo{height:300px;min-height:0}.auto-content{padding:38px 30px}.auto-content h3{font-size:35px}.coverage-grid{grid-template-columns:repeat(2,1fr)}.coverage-card:nth-child(n){padding:25px 20px 25px 0;border-left:0}.coverage-card:nth-child(2n){border-left:1px solid var(--line);padding-left:22px}.contact-details{border-left:0;border-top:1px solid var(--line);padding:30px 0 0}.contact-signature{margin-top:30px}.contact .phone{font-size:35px}footer{flex-wrap:wrap;font-size:11px}footer>span:nth-child(2){display:none}.popup-panel{padding:50px 28px 30px;grid-template-columns:1fr;gap:30px}.popup-intro h2{font-size:36px;margin:12px 0}.popup-signature{display:none}.popup-intro h2 br{display:none}dialog{width:calc(100% - 24px);max-height:calc(100dvh - 24px)}}@media(max-width:480px){.hero{padding-top:125px}.hero-actions{gap:10px}.hero-actions .button{min-width:0;padding:13px 20px;gap:10px;font-size:13px}.hero-copy{font-size:15px}.desktop-break{display:none}.values{grid-template-columns:1fr;gap:24px}.values>div{padding-left:35px}.value-number{position:absolute;top:3px}.values p{max-width:none}.section-padding{padding:60px 6vw}.section-heading{display:block}.section-heading>p{margin-top:20px}.coverage-card h3{font-size:22px}.coverage-card p{font-size:13px}.auto-content{padding:30px 24px}.auto-content h3{font-size:30px}.form-row{gap:18px}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation:none!important;transition:none!important}html{scroll-behavior:auto}}

/* Modal viewport layer: the backdrop and panel stay above the fixed header. */
#quote-dialog{position:fixed;inset:0;margin:0;width:100%;height:100%;max-width:none;max-height:none;padding:20px;border:0;border-radius:0;background:transparent;overflow:hidden;z-index:3000}
#quote-dialog[open]{display:grid;place-items:center}
#quote-dialog::backdrop{background:transparent;backdrop-filter:none}
.popup-backdrop{position:absolute;inset:0;width:100%;height:100%;padding:0;background:rgba(17,24,27,.85);backdrop-filter:blur(7px);cursor:pointer;z-index:0}
#quote-dialog .popup-panel{position:relative;z-index:1;background:var(--paper);border:1px solid #c5aa723b;border-radius:6px;width:min(980px,100%);max-height:calc(100dvh - 40px);overflow:auto;overscroll-behavior:contain;min-height:0}
@media(max-width:800px){#quote-dialog{padding:12px}#quote-dialog .popup-panel{max-height:calc(100dvh - 24px)}}

/* Text refinements and additional coverage reveal. */
.popup-intro p,.values h3,.values p,.section-heading>p,.intro-grid>h2{text-wrap:balance}
.contact-details .text-link{border-bottom:0}
.additional-coverages{list-style:none;margin:0;padding:12px 0 30px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px 28px}
.additional-coverages li{font-size:18px;line-height:1.5;color:var(--ink);text-wrap:balance}
@media(max-width:800px){.additional-coverages{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 20px}}
@media(max-width:480px){.additional-coverages{grid-template-columns:1fr}}

/* Each sentence balances independently, with no forced line breaks. */
.intro-grid>h2 .title-part{display:block;text-wrap:balance}
.hamburger{position:relative;display:block;width:26px;height:22px}
.hamburger>span{position:absolute;left:0;width:26px;height:2px;background:currentColor;border-radius:2px;transition:transform .3s ease,opacity .2s ease;transform-origin:center}
.hamburger>span:nth-child(1){top:2px}.hamburger>span:nth-child(2){top:10px}.hamburger>span:nth-child(3){top:18px}
.menu-toggle[aria-expanded="true"] .hamburger>span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.menu-toggle[aria-expanded="true"] .hamburger>span:nth-child(2){opacity:0;transform:scaleX(0)}
.menu-toggle[aria-expanded="true"] .hamburger>span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
@media(max-width:800px){
 .menu-toggle{width:44px;height:44px;justify-content:center;padding:0;flex-shrink:0}
 .js #main-nav{display:flex;flex-direction:column;visibility:hidden;opacity:0;pointer-events:none;transform:translateY(-8px);transition:opacity .22s ease,transform .3s ease,visibility 0s .3s;max-height:calc(100dvh - 80px);overflow-y:auto;overscroll-behavior:contain}
 .js #main-nav.is-open{visibility:visible;opacity:1;pointer-events:auto;transform:translateY(0);transition-delay:0s}
 .js #main-nav>a,.js #main-nav>button{opacity:0;transform:translateY(12px);transition:opacity .2s ease,transform .2s ease}
 .js #main-nav.is-open>a,.js #main-nav.is-open>button{opacity:1;transform:translateY(0);transition-duration:.4s;transition-delay:calc(var(--menu-order,0)*70ms + 70ms)}
 #main-nav>:nth-child(1){--menu-order:0}#main-nav>:nth-child(2){--menu-order:1}#main-nav>:nth-child(3){--menu-order:2}#main-nav>:nth-child(4){--menu-order:3}#main-nav>:nth-child(5){--menu-order:4}
 #main-nav>a{padding:8px 0;min-height:44px}
 html:not(.js) .menu-toggle{display:none}html:not(.js) #main-nav{display:flex;position:static;flex-wrap:wrap;font-size:14px;padding:12px 0}html:not(.js) .site-header{position:relative;height:auto;flex-wrap:wrap;padding-top:16px}
}
@media(prefers-reduced-motion:reduce){.hamburger>span,.js #main-nav,.js #main-nav>a,.js #main-nav>button{transition:none!important}}

.popup-signature small{display:block;margin-top:6px}

/* Inline vectors avoid iOS emoji substitution and external icon URLs. */
.arrow-icon{display:inline-block;width:22px;height:22px;flex-shrink:0;vertical-align:middle}
.button .arrow-icon{width:1em;height:1em;align-self:center}
.phone .arrow-icon{width:27px;height:27px;color:#927444}

footer{align-items:center}.footer-identity{display:flex;align-items:center;gap:12px}.footer-logo{width:100px;height:auto;flex-shrink:0;border-radius:8px}
@media(max-width:380px){.identity{gap:10px}.identity-name{font-size:19px}.identity-name small{letter-spacing:1.2px}.brand-mark{width:40px;height:40px}}

@media(max-width:800px){#main-nav>a::after{display:none}}

/* Anchor destinations receive focus for navigation, without outlining whole sections. */
section[tabindex="-1"]:focus,main[tabindex="-1"]:focus{outline:none}

@media(max-width:800px){.contact-details .contact-signature{margin-top:80px}.contact-details .phone .arrow-icon,.contact-details .text-link .arrow-icon{display:none}}

@media(max-width:800px){
 .hero h1{font-size:clamp(2.88rem,8.1vw,4.5rem)}
 section h2{font-size:clamp(2.16rem,3.96vw,4.23rem)}
}