:root{
    --black:#121009;
    --black-2:#1A1710;
    --gold:#C8A44B;
    --gold-bright:#E8CC80;
    --gold-dim:#8A7336;
    --ivory:#F6F1E4;
    --stone:#AFA795;
    --ink:#221E14;
    --line:#2C2718;
    --serif:"Cinzel", serif;
    --accent:"Cormorant Garamond", serif;
    --body:"Jost", sans-serif;
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{
    font-family:var(--body);font-weight:300;
    background:var(--black);color:var(--stone);
    line-height:1.65;overflow-x:hidden;font-size:16.5px;
  }
  ::selection{background:var(--gold);color:var(--black)}
  .wrap{max-width:1160px;margin:0 auto;padding:0 28px}

  h1,h2{font-family:var(--serif);font-weight:500;color:var(--ivory);letter-spacing:.04em;text-wrap:balance}
  .tagline{font-family:var(--accent);font-style:italic;font-weight:500;color:var(--gold-bright)}

  /* ============ NAV ============ */
  nav{
    position:sticky;top:0;z-index:100;
    background:color-mix(in srgb, var(--black) 92%, transparent);
    backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
    border-bottom:1px solid var(--line);
  }
  .nav-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 28px;max-width:1160px;margin:0 auto}
  .brand{display:flex;align-items:center;gap:13px;text-decoration:none}
  .brand svg{width:38px;height:38px;flex:none;transition:transform 1.1s cubic-bezier(.45,0,.55,1)}
  .brand:hover svg{transform:rotateY(360deg)}
  .brand-text{font-family:var(--serif);font-size:17px;letter-spacing:.14em;color:var(--ivory);line-height:1.2}
  .brand-text small{display:block;font-family:var(--body);font-weight:400;font-size:9px;letter-spacing:.42em;color:var(--gold);margin-top:2px}
  .nav-links{display:flex;gap:34px;align-items:center;list-style:none}
  .nav-links a{color:var(--stone);text-decoration:none;font-weight:400;font-size:14px;letter-spacing:.12em;text-transform:uppercase;transition:color .2s}
  .nav-links a:hover{color:var(--gold-bright)}
  .btn{
    display:inline-block;font-family:var(--body);font-weight:500;font-size:14px;
    letter-spacing:.16em;text-transform:uppercase;text-decoration:none;text-align:center;
    padding:14px 32px;transition:all .25s ease;cursor:pointer;
  }
  .btn-gold{background:linear-gradient(160deg,var(--gold-bright),var(--gold));color:var(--black)!important;border:1px solid var(--gold)}
  .btn-gold:hover{filter:brightness(1.08);box-shadow:0 6px 26px rgba(200,164,75,.28)}
  .btn-line{border:1px solid var(--gold-dim);color:var(--gold-bright)!important;background:transparent}
  .btn-line:hover{border-color:var(--gold);background:rgba(200,164,75,.07)}
  .nav-links .btn{padding:11px 24px;font-size:12.5px}

  /* ============ HERO ============ */
  .hero{position:relative;text-align:center;padding:110px 28px 96px;overflow:hidden}
  .hero::before{
    content:"";position:absolute;inset:0;pointer-events:none;
    background:radial-gradient(ellipse 62% 48% at 50% 0%, rgba(200,164,75,.13), transparent 70%);
  }
  .emblem{
    position:relative;width:168px;height:168px;margin:0 auto 38px;
    perspective:700px;
  }
  .emblem .halo{
    position:absolute;inset:-56px;border-radius:50%;pointer-events:none;
    background:radial-gradient(circle, rgba(200,164,75,.28) 0%, rgba(200,164,75,.08) 45%, transparent 68%);
    animation:breathe 5s ease-in-out infinite;
  }
  .emblem .ring{position:absolute;inset:0;border-radius:50%;border:1px solid var(--gold-dim)}
  .emblem .ring-2{
    inset:9px;border:1px dashed rgba(200,164,75,.55);
    animation:ringturn 60s linear infinite;
  }
  .emblem .fleur{
    position:absolute;inset:0;margin:auto;width:96px;height:96px;
    filter:drop-shadow(0 8px 30px rgba(200,164,75,.45));
    animation:majesty 12s cubic-bezier(.45,0,.55,1) infinite;
    transform-style:preserve-3d;
  }
  @keyframes majesty{
    0%{transform:rotateY(0deg)}
    50%{transform:rotateY(180deg)}
    100%{transform:rotateY(360deg)}
  }
  @keyframes ringturn{to{transform:rotate(360deg)}}
  @keyframes breathe{0%,100%{opacity:.75;transform:scale(1)}50%{opacity:1;transform:scale(1.06)}}
  .hero h1{font-size:clamp(38px,5.6vw,72px);line-height:1.08}
  .hero-sub{
    display:flex;align-items:center;justify-content:center;gap:18px;
    margin:22px auto 26px;color:var(--gold);
    font-size:13px;letter-spacing:.5em;text-transform:uppercase;font-weight:400;text-indent:.5em;
  }
  .hero-sub::before,.hero-sub::after{content:"";height:1px;width:72px;background:linear-gradient(90deg,transparent,var(--gold-dim));display:block}
  .hero-sub::after{background:linear-gradient(90deg,var(--gold-dim),transparent)}
  .hero .tagline{font-size:clamp(22px,2.6vw,30px)}
  .hero p.lede{max-width:38em;margin:26px auto 42px;font-size:17.5px}
  .hero-ctas{display:flex;gap:18px;justify-content:center;flex-wrap:wrap}
  .hero-lines{
    margin-top:64px;display:flex;justify-content:center;gap:14px 34px;flex-wrap:wrap;
    font-size:13px;letter-spacing:.24em;text-transform:uppercase;color:var(--stone);font-weight:400;
  }
  .hero-lines span{display:flex;align-items:center;gap:34px}
  .hero-lines i{color:var(--gold-dim);font-style:normal;font-size:9px}

  /* ============ DIVIDER ============ */
  .divider{display:flex;align-items:center;gap:22px;max-width:1160px;margin:0 auto;padding:0 28px}
  .divider::before,.divider::after{content:"";flex:1;height:1px;background:var(--line)}
  .divider svg{width:30px;height:30px}

  /* ============ SECTIONS ============ */
  section{padding:96px 0}
  .sec-head{text-align:center;max-width:680px;margin:0 auto 64px}
  .sec-kicker{font-size:12px;letter-spacing:.42em;text-transform:uppercase;color:var(--gold);font-weight:400;margin-bottom:18px;text-indent:.42em}
  h2{font-size:clamp(28px,3.6vw,44px);line-height:1.16}
  .sec-head p{margin-top:18px;font-size:16.5px}

  /* coverage grid */
  .cov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
  .cov{
    background:var(--black);padding:44px 36px;position:relative;
    transition:background .3s ease;
  }
  .cov:hover{background:var(--black-2)}
  .cov::after{
    content:"";position:absolute;left:36px;right:36px;bottom:0;height:1px;
    background:linear-gradient(90deg,var(--gold),transparent);
    opacity:0;transition:opacity .3s ease;
  }
  .cov:hover::after{opacity:1}
  .cov svg{width:34px;height:34px;margin-bottom:22px}
  .cov h3{font-family:var(--serif);font-weight:500;font-size:20px;letter-spacing:.1em;color:var(--ivory);margin-bottom:12px;text-transform:uppercase}
  .cov p{font-size:15px;line-height:1.7}
  .cov-wide{grid-column:1 / -1;display:flex;align-items:center;gap:40px;background:var(--black-2)}
  .cov-wide svg{width:44px;height:44px;margin:0;flex:none}
  .cov-wide p{max-width:56em}
  .cov-wide .cov-tag{
    margin-left:auto;flex:none;font-family:var(--accent);font-style:italic;
    font-size:17px;color:var(--gold);white-space:nowrap;
  }

  /* ============ BROKER (ivory) ============ */
  .broker{background:var(--ivory);color:#5A5240;border-top:1px solid var(--gold-dim);border-bottom:1px solid var(--gold-dim)}
  .broker h2{color:var(--ink)}
  .broker .sec-kicker{color:var(--gold-dim)}
  .broker .tagline{color:var(--gold-dim);font-size:clamp(20px,2.4vw,27px)}
  .broker-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:56px;margin-top:10px}
  .broker-col{text-align:center;padding:0 8px}
  .broker-col .num{
    font-family:var(--accent);font-style:italic;font-size:19px;color:var(--gold-dim);
    display:flex;align-items:center;justify-content:center;gap:16px;margin-bottom:20px;
  }
  .broker-col .num::before,.broker-col .num::after{content:"";height:1px;width:44px;background:#D8CDB2;display:block}
  .broker-col h3{font-family:var(--serif);font-weight:600;font-size:18px;letter-spacing:.08em;color:var(--ink);margin-bottom:12px}
  .broker-col p{font-size:15.5px;line-height:1.75}
  .broker-note{
    text-align:center;max-width:44em;margin:64px auto 0;
    font-family:var(--accent);font-style:italic;font-size:21px;line-height:1.6;color:#6B6148;
  }

  /* ============ QUOTE ============ */
  .quote-grid{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
  .quote-left .sec-kicker{margin-bottom:18px}
  .quote-left h2{margin-bottom:20px}
  .quote-left p{max-width:30em}
  .q-contact{margin-top:38px;display:grid;gap:16px;font-size:16px;font-weight:400}
  .q-contact a,.q-contact span{color:var(--ivory);text-decoration:none;display:flex;align-items:center;gap:14px;letter-spacing:.04em}
  .q-contact a:hover{color:var(--gold-bright)}
  .q-contact .ic{color:var(--gold);font-family:var(--accent);font-style:italic;width:20px;text-align:center;flex:none}
  form.qform{
    background:var(--ivory);color:var(--ink);padding:44px 40px;
    border-top:3px solid var(--gold);box-shadow:0 24px 70px rgba(0,0,0,.45);
  }
  form.qform h3{font-family:var(--serif);font-weight:600;font-size:21px;letter-spacing:.08em;margin-bottom:26px;color:var(--ink)}
  .frow{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
  .qform label{font-size:11px;font-weight:500;letter-spacing:.22em;text-transform:uppercase;display:block;margin-bottom:7px;color:#7A6F55}
  .qform input,.qform select,.qform textarea{
    width:100%;padding:12px 14px;border:1px solid #D5CBAE;background:#FFFDF7;
    font-family:var(--body);font-weight:300;font-size:15.5px;color:var(--ink);outline:none;
    transition:border-color .2s ease;
  }
  .qform input:focus,.qform textarea:focus{border-color:var(--gold)}
  .pills{display:flex;flex-wrap:wrap;gap:9px;margin:4px 0 20px}
  .pill{position:relative}
  .pill input{position:absolute;opacity:0;inset:0;width:100%;height:100%;cursor:pointer}
  .pill span{
    display:inline-block;padding:8px 17px;border:1px solid #CCC1A0;
    font-weight:400;font-size:13px;letter-spacing:.1em;text-transform:uppercase;
    color:#6B6148;cursor:pointer;user-select:none;transition:all .18s ease;background:#FFFDF7;
  }
  .pill input:checked + span{background:var(--ink);color:var(--gold-bright);border-color:var(--ink)}
  .pill:hover span{border-color:var(--gold-dim)}
  .qform .btn{width:100%;border:none}
  .qform .fine{font-size:12.5px;margin-top:14px;text-align:center;color:#8A7F63}

  /* ============ FOOTER ============ */
  footer{border-top:1px solid var(--line);padding:64px 0 40px;text-align:center}
  footer .fleur{width:46px;height:46px;margin:0 auto 20px;display:block}
  footer .brand-text{font-size:19px}
  footer .brand-text small{font-size:10px}
  .foot-links{display:flex;justify-content:center;gap:34px;flex-wrap:wrap;margin:30px 0 36px;list-style:none}
  .foot-links a{color:var(--stone);text-decoration:none;font-size:13px;letter-spacing:.16em;text-transform:uppercase}
  .foot-links a:hover{color:var(--gold-bright)}
  .foot-legal{font-size:12.5px;color:#6E6754;line-height:2;max-width:52em;margin:0 auto}

  /* reveal (only when JS active) */
  .js .reveal{opacity:0;transform:translateY(22px);transition:opacity .8s ease,transform .8s cubic-bezier(.22,1,.36,1)}
  .js .reveal.in{opacity:1;transform:none}

  /* ============ RESPONSIVE ============ */
  .nav-quote-m{display:none}
  @media (max-width:920px){
    .cov-grid{grid-template-columns:1fr 1fr}
    .broker-grid{grid-template-columns:1fr;gap:44px}
    .quote-grid{grid-template-columns:1fr;gap:56px}
  }
  @media (max-width:640px){
    .nav-links{display:none}
    .nav-quote-m{display:inline-block}
    .cov-grid{grid-template-columns:1fr}
    section{padding:72px 0}
    .hero{padding:80px 22px 72px}
    .frow{grid-template-columns:1fr}
    .hero-lines{gap:12px 22px;letter-spacing:.18em}
    .hero-lines span{gap:22px}
  }
  @media (prefers-reduced-motion: reduce){
    *,*::before,*::after{animation:none!important;transition:none!important}
    html{scroll-behavior:auto}
  }

  /* ============ MULTI-PAGE ADDITIONS ============ */
  .nav-links{gap:26px}
  .nav-links a[aria-current="page"]{color:var(--gold-bright)}
  .menu-m{display:none;position:relative}
  .menu-m summary{list-style:none;cursor:pointer;color:var(--gold-bright);font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;border:1px solid var(--gold-dim);padding:10px 16px}
  .menu-m summary::-webkit-details-marker{display:none}
  .menu-m ul{list-style:none;position:absolute;right:0;top:calc(100% + 10px);background:var(--black-2);border:1px solid var(--line);min-width:220px;padding:10px 0;z-index:200}
  .menu-m li a{display:block;padding:11px 20px;color:var(--stone);text-decoration:none;font-size:13px;letter-spacing:.14em;text-transform:uppercase}
  .menu-m li a:hover,.menu-m li a[aria-current="page"]{color:var(--gold-bright);background:rgba(200,164,75,.06)}
  a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,textarea:focus-visible{outline:2px solid var(--gold-bright);outline-offset:3px}

  .page-hero{position:relative;text-align:center;padding:96px 28px 72px;overflow:hidden;border-bottom:1px solid var(--line)}
  .page-hero::before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse 60% 55% at 50% 0%, rgba(200,164,75,.12), transparent 70%)}
  .page-hero .mini-fleur{width:46px;height:46px;margin:0 auto 22px;display:block;filter:drop-shadow(0 6px 22px rgba(200,164,75,.4))}
  .page-hero h1{font-size:clamp(34px,4.8vw,58px);line-height:1.1;position:relative}
  .page-hero .tagline{font-size:clamp(19px,2.2vw,25px);margin-top:16px;position:relative}
  .page-hero p.lede{max-width:40em;margin:22px auto 34px;font-size:17px;position:relative}
  .page-hero .hero-ctas{position:relative}

  .two-col{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:start}
  .prose p{margin-bottom:16px;max-width:62ch}
  .prose h2{margin-bottom:20px}
  .prose h3{font-family:var(--serif);font-weight:500;color:var(--ivory);font-size:19px;letter-spacing:.08em;margin:28px 0 10px}

  .feat{list-style:none;display:grid;gap:0;border-top:1px solid var(--line)}
  .feat li{padding:18px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:22px minmax(0,1fr);gap:4px 14px}
  .feat li::before{content:"◆";color:var(--gold);font-size:10px;line-height:2.4}
  .feat b{display:block;color:var(--ivory);font-weight:500;letter-spacing:.03em}
  .feat span{grid-column:2;font-size:15px}

  .tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
  .tile{background:var(--black);padding:26px 22px}
  .tile h3{font-family:var(--serif);font-weight:500;font-size:15.5px;letter-spacing:.1em;color:var(--ivory);text-transform:uppercase;margin-bottom:8px}
  .tile p{font-size:14.5px;line-height:1.65}

  .cov a.more{display:inline-block;margin-top:16px;color:var(--gold-bright);text-decoration:none;font-size:12.5px;letter-spacing:.18em;text-transform:uppercase}
  .cov a.more:hover{text-decoration:underline;text-underline-offset:4px}

  .faq{max-width:780px;margin:0 auto;border-top:1px solid var(--line)}
  .faq details{border-bottom:1px solid var(--line)}
  .faq summary{cursor:pointer;list-style:none;padding:22px 34px 22px 0;position:relative;color:var(--ivory);font-weight:400;font-size:17px}
  .faq summary::-webkit-details-marker{display:none}
  .faq summary::after{content:"+";position:absolute;right:4px;top:18px;color:var(--gold);font-size:22px;font-weight:300}
  .faq details[open] summary::after{content:"−"}
  .faq details p{padding:0 0 22px;max-width:64ch;font-size:15.5px}

  .cta-band{background:var(--ivory);color:#5A5240;text-align:center;padding:80px 0;border-top:1px solid var(--gold-dim);border-bottom:1px solid var(--gold-dim)}
  .cta-band h2{color:var(--ink)}
  .cta-band p{max-width:40em;margin:16px auto 30px;font-size:16.5px}
  .cta-band .btn-line{color:var(--ink)!important;border-color:var(--gold-dim)}

  .visit{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:56px;align-items:stretch}
  .visit .card{border:1px solid var(--line);background:var(--black-2);padding:36px 34px}
  .visit .card h3{font-family:var(--serif);font-weight:500;color:var(--ivory);letter-spacing:.1em;font-size:18px;margin-bottom:18px}
  .visit address{font-style:normal;color:var(--ivory);font-size:17px;line-height:1.7;margin-bottom:20px}
  .visit .q-contact{margin-top:0}
  .map{border:1px solid var(--line);min-height:340px;background:var(--black-2)}
  .map iframe{width:100%;height:100%;min-height:340px;border:0;display:block;filter:grayscale(.35) contrast(1.05)}
  .note-sm{font-size:13.5px;color:#8C846F;margin-top:16px}

  .legal h2{font-size:clamp(24px,3vw,32px);margin:36px 0 14px}
  .legal p,.legal li{max-width:68ch;margin-bottom:12px;font-size:15.5px}
  .legal ul{padding-left:22px}

  @media (max-width:1060px){.nav-links{gap:18px}.nav-links a{font-size:12.5px;letter-spacing:.08em}}
  @media (max-width:920px){
    .two-col,.visit{grid-template-columns:minmax(0,1fr);gap:40px}
    .tiles{grid-template-columns:repeat(2,minmax(0,1fr))}
    .nav-links{display:none}
    .menu-m{display:block}
    .nav-quote-m{display:none!important}
  }
  @media (max-width:560px){.tiles{grid-template-columns:minmax(0,1fr)}.cov-wide{flex-direction:column;align-items:flex-start;gap:16px}.cov-wide .cov-tag{margin-left:0}}

  .foot-local{font-size:13px;letter-spacing:.06em;color:#8C846F;margin:0 0 14px}
  .foot-local a{color:var(--gold-bright);text-decoration:none}
  .foot-local a:hover{text-decoration:underline;text-underline-offset:3px}
  .broker .tile{background:#FFFDF7}
  .broker .tile h3{color:var(--ink)}
  .broker .tiles{background:#E6DCC3;border-color:#E6DCC3}

  /* ============ QUOTE WIZARD ============ */
  .qwiz fieldset{border:0;padding:0;margin:0;min-width:0}
  .qwiz legend{padding:0;width:100%}
  .qwiz legend h3{margin-bottom:8px}
  .qw-prog{list-style:none;display:flex;gap:6px;margin:0 0 24px;padding:0;counter-reset:s}
  .qw-prog li{flex:1;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#A89C7C;padding-top:9px;border-top:3px solid #E6DCC3;counter-increment:s}
  .qw-prog li::before{content:counter(s) " · "}
  .qw-prog li.on{color:var(--ink);border-top-color:var(--gold)}
  .qw-hint{font-size:14.5px;color:#7A6F55;margin:0 0 18px}
  .qw-err{color:#A4372A;font-size:13.5px;margin:-6px 0 14px}
  .qw-sec{border-top:1px solid #E6DCC3;padding-top:16px;margin-bottom:8px}
  .qw-sec h4{font-family:var(--serif);font-weight:600;font-size:15px;letter-spacing:.14em;text-transform:uppercase;color:#8A7336;margin:0 0 12px}
  .qw-chips{margin-bottom:12px}
  .pill-sm span{padding:7px 12px!important;font-size:11px!important}
  .qw-nav{margin-top:18px}
  .qw-nav.two{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:12px}
  .qwiz .btn-line{color:var(--ink)!important;border:1px solid var(--gold-dim)!important;background:transparent}
  .qw-check{display:flex!important;gap:10px;align-items:flex-start;text-transform:none!important;letter-spacing:0!important;font-size:13px!important;line-height:1.5;color:#6B6148!important;margin:4px 0 6px!important;cursor:pointer}
  .qw-check input{width:18px!important;height:18px;margin-top:2px;flex:none;accent-color:#121009}
  .qw-done{text-align:left}
  .qw-done .mini-fleur{width:38px;height:38px;display:block;margin-bottom:14px}
  .qw-done p{font-size:15.5px;line-height:1.7;margin:8px 0 14px}
  .qw-next{padding-left:20px;margin:0 0 14px;font-size:15px;line-height:1.8;color:#5A5240}
  .qw-next b{color:var(--ink)}