/* MeetLifeAgents — main.css
   Cream/navy/gold design system. Fraunces (display) + Inter (body).
   No framework. CSS custom properties throughout. */

:root {
  --ink: #1a2740;
  --ink-soft: #2c3a55;
  --cream: #faf6ee;
  --cream-warm: #f5efe1;
  --gold: #b08d3a;
  --gold-soft: #d4b56a;
  --rust: #a64d3a;
  --rule: #d8cfb8;
  --rule-soft: #e8e0c8;
  --green: #2d6a4f;
  --max: 1240px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--cream);
  color: var(--ink);
  font-family: 'Inter', -apple-system, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
.display { font-family: 'Fraunces', Georgia, serif; font-weight: 500; letter-spacing: -0.02em; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 32px; }

/* ── HEADER ── */
header {
  border-bottom: 1px solid var(--rule);
  padding: 20px 0;
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(8px);
  background: rgba(250, 246, 238, 0.92);
}
.nav { display: flex; justify-content: space-between; align-items: center; max-width: var(--max); margin: 0 auto; padding: 0 32px; }
.logo {
  font-family: 'Fraunces', serif; font-weight: 600; font-size: 20px;
  color: var(--ink); text-decoration: none; display: flex; align-items: center; gap: 10px;
}
.logo-mark {
  width: 28px; height: 28px; background: var(--ink); border-radius: 4px;
  display: grid; place-items: center; color: var(--cream); font-size: 14px; font-weight: 700;
}
.nav-links { display: flex; gap: 36px; align-items: center; }
.nav-links a { color: var(--ink); text-decoration: none; font-size: 14px; font-weight: 500; opacity: 0.8; transition: opacity 0.15s; }
.nav-links a:hover { opacity: 1; }
.nav-cta { background: var(--ink); color: var(--cream) !important; padding: 9px 18px; border-radius: 4px; opacity: 1 !important; font-size: 13px !important; }

/* ── FOOTER ── */
footer { background: var(--ink); color: var(--cream); padding: 56px 0 36px; }
.foot-grid {
  display: grid;
  grid-template-columns: 2fr repeat(6, 1fr);
  gap: 28px;
  margin-bottom: 36px;
}
.foot-col h5 {
  font-size: 11px; font-weight: 600; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold-soft); margin-bottom: 16px;
}
.foot-col a {
  display: block; color: rgba(250, 246, 238, 0.78);
  text-decoration: none; font-size: 13px; margin-bottom: 9px; line-height: 1.4;
}
.foot-col a:hover { color: var(--cream); }
.foot-about p { font-size: 13px; color: rgba(250, 246, 238, 0.7); line-height: 1.6; max-width: 320px; }
.foot-bottom {
  padding-top: 20px; border-top: 1px solid rgba(250, 246, 238, 0.15);
  display: flex; justify-content: space-between;
  font-size: 12px; color: rgba(250, 246, 238, 0.6);
}

/* ── HOMEPAGE: HERO ── */
.hero { padding: 80px 0 60px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 60px; align-items: center; }
.eyebrow {
  font-size: 12px; font-weight: 600; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 20px;
  display: flex; align-items: center; gap: 12px;
}
.eyebrow::before { content: ''; width: 32px; height: 1px; background: var(--gold); }
h1.hero-title { font-size: clamp(40px, 5.5vw, 64px); line-height: 1.02; margin-bottom: 28px; letter-spacing: -0.025em; }
h1.hero-title em { font-style: italic; color: var(--rust); font-weight: 400; }
.hero-sub { font-size: 18px; line-height: 1.55; color: var(--ink-soft); margin-bottom: 36px; max-width: 480px; }

/* SEARCH CARD */
.search-card { background: white; border: 1px solid var(--rule); border-radius: 8px; padding: 24px; box-shadow: 0 1px 2px rgba(26,39,64,0.04); }
.search-label { font-size: 13px; font-weight: 600; color: var(--ink-soft); margin-bottom: 12px; display: block; }
.search-row { display: grid; grid-template-columns: 1fr 1fr auto; gap: 12px; }
.select-wrap { position: relative; }
.select-wrap::after { content: '▾'; position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--ink-soft); pointer-events: none; font-size: 12px; }
select, .search-cta {
  height: 48px; border: 1px solid var(--rule); border-radius: 6px;
  padding: 0 16px; font-family: inherit; font-size: 15px; color: var(--ink);
  background: white; appearance: none; cursor: pointer; width: 100%; transition: border-color 0.15s;
}
select:focus, select:hover { outline: none; border-color: var(--ink); }
select:disabled { background: #f5f1e6; color: #999; cursor: not-allowed; }
.search-cta { background: var(--ink); color: var(--cream); border: none; font-weight: 600; padding: 0 24px; width: auto; white-space: nowrap; }
.search-cta:hover { background: #0f1a2f; }
.search-foot { font-size: 12px; color: var(--ink-soft); margin-top: 16px; display: flex; align-items: center; gap: 8px; }
.search-foot::before { content: '🔒'; font-size: 11px; }

/* MAP */
.map-wrap { position: relative; border-radius: 12px; overflow: hidden; height: 540px; border: 1px solid var(--rule); background: #e8e0c8; }
#map { width: 100%; height: 100%; }
.map-overlay {
  position: absolute; bottom: 20px; left: 20px;
  background: rgba(26, 39, 64, 0.92); color: var(--cream);
  padding: 14px 18px; border-radius: 8px; font-size: 13px;
  backdrop-filter: blur(8px); pointer-events: none; max-width: 240px; line-height: 1.4;
}
.map-overlay strong { display: block; font-family: 'Fraunces', serif; font-size: 15px; margin-bottom: 4px; color: white; }

/* TRUST BAR (homepage) */
.trust-bar { background: var(--ink); color: var(--cream); padding: 48px 0; margin-top: 40px; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 48px; align-items: start; }
.trust-item { border-left: 1px solid rgba(250, 246, 238, 0.2); padding-left: 24px; }
.trust-num { font-family: 'Fraunces', serif; font-size: 36px; font-weight: 500; color: var(--gold-soft); line-height: 1; margin-bottom: 10px; letter-spacing: -0.02em; }
.trust-label { font-size: 13px; color: rgba(250, 246, 238, 0.85); line-height: 1.4; }

/* DIFFERENTIATORS */
.diff { padding: 100px 0; }
.diff-head { max-width: 720px; margin: 0 auto 60px; text-align: center; }
.diff-head h2 { font-size: clamp(32px, 4vw, 44px); line-height: 1.1; margin-bottom: 16px; letter-spacing: -0.02em; }
.diff-head p { font-size: 17px; color: var(--ink-soft); }
.diff-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--rule); border: 1px solid var(--rule); border-radius: 8px; overflow: hidden; }
.diff-card { background: var(--cream); padding: 36px 32px; transition: background 0.2s; }
.diff-card:hover { background: var(--cream-warm); }
.diff-num { font-family: 'Fraunces', serif; font-style: italic; font-size: 14px; color: var(--gold); margin-bottom: 24px; letter-spacing: 0.05em; }
.diff-card h3 { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; line-height: 1.2; margin-bottom: 14px; letter-spacing: -0.01em; }
.diff-card p { font-size: 14.5px; color: var(--ink-soft); line-height: 1.6; }

/* HOW IT WORKS */
.how { background: var(--cream-warm); padding: 100px 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.how-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 80px; align-items: start; }
.how-head h2 { font-size: clamp(32px, 4vw, 44px); line-height: 1.1; margin-bottom: 20px; letter-spacing: -0.02em; }
.how-head p { font-size: 16px; color: var(--ink-soft); }
.steps { display: flex; flex-direction: column; gap: 32px; }
.step { display: grid; grid-template-columns: 60px 1fr; gap: 24px; padding-bottom: 32px; border-bottom: 1px solid var(--rule); }
.step:last-child { border-bottom: none; padding-bottom: 0; }
.step-num { font-family: 'Fraunces', serif; font-size: 44px; color: var(--gold); font-weight: 400; line-height: 1; font-style: italic; }
.step h4 { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; margin-bottom: 8px; letter-spacing: -0.01em; }
.step p { font-size: 15px; color: var(--ink-soft); }

/* STATES GRID */
.states { padding: 100px 0; }
.states-head { text-align: center; margin-bottom: 60px; max-width: 600px; margin-left: auto; margin-right: auto; }
.states-head h2 { font-size: clamp(32px, 4vw, 44px); margin-bottom: 16px; letter-spacing: -0.02em; }
.states-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 0; border-top: 1px solid var(--rule); border-left: 1px solid var(--rule); }
.state-link { display: flex; flex-direction: column; padding: 18px 16px; text-decoration: none; color: var(--ink); border-bottom: 1px solid var(--rule); border-right: 1px solid var(--rule); font-size: 14px; transition: background 0.15s; }
.state-link:hover { background: var(--cream-warm); }
.state-name { font-weight: 500; margin-bottom: 2px; }
.state-count { font-size: 12px; color: var(--ink-soft); }

/* ── CITY PAGE: BREADCRUMB ── */
.breadcrumb { padding: 16px 0; font-size: 13px; color: var(--ink-soft); }
.breadcrumb a { color: var(--ink-soft); text-decoration: none; transition: color 0.15s; }
.breadcrumb a:hover { color: var(--ink); }
.breadcrumb span { margin: 0 8px; opacity: 0.5; }

/* CITY HERO */
.city-hero { padding: 24px 0 56px; border-bottom: 1px solid var(--rule); }
.city-hero-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 60px; align-items: end; }
.city-eyebrow { font-size: 12px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; display: flex; align-items: center; gap: 12px; }
.city-eyebrow::before { content: ''; width: 32px; height: 1px; background: var(--gold); }
h1.city-title { font-size: clamp(36px, 4.8vw, 56px); line-height: 1.05; letter-spacing: -0.025em; margin-bottom: 20px; }
h1.city-title em { font-style: italic; color: var(--rust); font-weight: 400; }
.city-sub { font-size: 17px; color: var(--ink-soft); line-height: 1.55; max-width: 580px; }
.city-stats { display: flex; flex-direction: column; gap: 18px; border-left: 2px solid var(--gold); padding-left: 24px; }
.city-stat { display: flex; flex-direction: column; }
.city-stat-num { font-family: 'Fraunces', serif; font-size: 32px; font-weight: 500; color: var(--ink); line-height: 1; letter-spacing: -0.02em; }
.city-stat-label { font-size: 12px; color: var(--ink-soft); margin-top: 4px; letter-spacing: 0.04em; text-transform: uppercase; }

/* TRUST STRIP (city page) */
.trust-strip { background: var(--cream); border-bottom: 1px solid var(--rule); padding: 18px 0; }
.trust-strip-inner { display: flex; flex-wrap: wrap; justify-content: center; gap: 28px; align-items: center; }
.trust-strip-item { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 500; color: var(--ink-soft); letter-spacing: 0.01em; }
.trust-strip-item::before { content: '✓'; color: var(--green); font-weight: 700; font-size: 14px; }

/* INTAKE BLOCK */
.intake { background: var(--ink); color: var(--cream); padding: 40px 0; border-bottom: 1px solid var(--rule); }
.intake-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 60px; align-items: center; }
.intake-left h2 { font-family: 'Fraunces', serif; font-size: 28px; font-weight: 500; letter-spacing: -0.01em; line-height: 1.15; margin-bottom: 14px; color: white; }
.intake-left h2 em { font-style: italic; color: var(--gold-soft); font-weight: 400; }
.intake-left p { font-size: 14px; color: rgba(250, 246, 238, 0.8); line-height: 1.55; margin-bottom: 22px; max-width: 380px; }
.intake-call-btn {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--cream); color: var(--ink); border: none;
  font-family: 'Inter', sans-serif; font-size: 16px; font-weight: 600;
  padding: 16px 28px; border-radius: 6px; cursor: pointer; text-decoration: none;
  transition: background 0.15s, transform 0.1s; letter-spacing: 0.01em;
}
.intake-call-btn:hover { background: white; transform: translateY(-1px); }
.intake-call-btn::before { content: '📞'; font-size: 16px; }
.intake-call-btn.revealed { background: var(--gold); color: var(--ink); flex-direction: column; gap: 2px; padding: 14px 28px; align-items: center; }
.intake-call-btn.revealed::before { display: none; }
.intake-divider { margin-top: 16px; font-size: 12px; color: rgba(250, 246, 238, 0.55); letter-spacing: 0.06em; text-transform: uppercase; }

/* INTAKE FORM */
.intake-form-wrap { background: white; color: var(--ink); border-radius: 10px; padding: 28px; box-shadow: 0 4px 24px rgba(0,0,0,0.12); }
.intake-form-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 6px; }
.intake-form-head h3 { font-family: 'Fraunces', serif; font-size: 19px; font-weight: 500; letter-spacing: -0.01em; }
.intake-step-label { font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold); font-weight: 600; }
.intake-form-sub { font-size: 13px; color: var(--ink-soft); margin-bottom: 20px; }
.intake-step { display: none; }
.intake-step.active { display: block; }
.intake-q { font-family: 'Fraunces', serif; font-size: 18px; font-weight: 500; margin-bottom: 16px; letter-spacing: -0.01em; }
.intake-options { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 18px; }
.intake-opt {
  background: var(--cream); border: 1px solid var(--rule); color: var(--ink);
  padding: 14px 16px; border-radius: 6px; font-family: inherit; font-size: 14px;
  font-weight: 500; cursor: pointer; text-align: left; transition: border-color 0.15s, background 0.15s;
}
.intake-opt:hover { border-color: var(--ink); background: var(--cream-warm); }
.intake-opt.selected { border-color: var(--ink); background: var(--ink); color: var(--cream); }
.intake-opt-sub { display: block; font-size: 11px; font-weight: 400; opacity: 0.65; margin-top: 3px; }
.intake-input {
  width: 100%; height: 46px; border: 1px solid var(--rule); border-radius: 6px;
  padding: 0 14px; font-family: inherit; font-size: 14px; color: var(--ink);
  margin-bottom: 12px; transition: border-color 0.15s;
}
.intake-input:focus { outline: none; border-color: var(--ink); }
.intake-input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.intake-submit {
  width: 100%; height: 48px; background: var(--ink); color: var(--cream);
  border: none; border-radius: 6px; font-family: inherit; font-size: 14px; font-weight: 600;
  cursor: pointer; margin-top: 6px; letter-spacing: 0.02em; transition: background 0.15s;
}
.intake-submit:hover { background: #0f1a2f; }
.intake-back { background: none; border: none; color: var(--ink-soft); font-family: inherit; font-size: 12px; cursor: pointer; padding: 6px 0; text-decoration: underline; text-decoration-color: var(--rule); text-underline-offset: 3px; }
.intake-back:hover { color: var(--ink); }
.intake-success { display: none; text-align: center; padding: 12px 0; }
.intake-success.active { display: block; }
.intake-success-icon { width: 48px; height: 48px; background: rgba(45, 106, 79, 0.12); border-radius: 50%; display: grid; place-items: center; margin: 0 auto 14px; color: var(--green); font-size: 22px; font-weight: 700; }
.intake-success h3 { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; margin-bottom: 8px; letter-spacing: -0.01em; }
.intake-success p { font-size: 14px; color: var(--ink-soft); line-height: 1.5; margin-bottom: 6px; }
.intake-success strong { color: var(--ink); }
.intake-privacy { font-size: 11px; color: var(--ink-soft); text-align: center; margin-top: 14px; line-height: 1.5; opacity: 0.8; }

/* MAIN CONTENT GRID */
.main { display: grid; grid-template-columns: 1fr 320px; gap: 60px; padding: 56px 0 100px; }
.sec-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 28px; padding-bottom: 16px; border-bottom: 1px solid var(--rule); }
.sec-head h2 { font-family: 'Fraunces', serif; font-size: 26px; font-weight: 500; letter-spacing: -0.01em; }
.sec-meta { font-size: 13px; color: var(--ink-soft); }

/* AGENT CARDS */
.agents-grid { display: flex; flex-direction: column; gap: 24px; margin-bottom: 56px; }
.agent-card {
  background: white; border: 1px solid var(--rule); border-radius: 10px; padding: 28px;
  display: grid; grid-template-columns: 96px 1fr auto; gap: 24px;
  transition: border-color 0.15s; position: relative;
}
.agent-card.featured { border-color: var(--gold); box-shadow: 0 1px 0 var(--gold), 0 4px 24px rgba(176, 141, 58, 0.08); }
.agent-card.featured::before {
  content: 'VETTED · TOP TIER'; position: absolute; top: -10px; left: 24px;
  background: var(--gold); color: white; font-size: 10px; font-weight: 700;
  letter-spacing: 0.12em; padding: 4px 10px; border-radius: 3px;
}
.agent-card:hover { border-color: var(--ink); }
.agent-photo {
  width: 96px; height: 96px; border-radius: 50%; background: var(--cream-warm);
  display: grid; place-items: center; font-family: 'Fraunces', serif;
  font-size: 32px; font-weight: 500; color: var(--ink); border: 1px solid var(--rule); overflow: hidden;
}
.agent-info { display: flex; flex-direction: column; gap: 10px; }
.agent-name { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; line-height: 1.2; letter-spacing: -0.01em; }
.agent-meta { display: flex; flex-wrap: wrap; gap: 14px; font-size: 13px; color: var(--ink-soft); }
.agent-meta-item { display: flex; align-items: center; gap: 6px; }
.badge { display: inline-flex; align-items: center; gap: 5px; font-size: 11px; font-weight: 600; padding: 4px 9px; border-radius: 3px; letter-spacing: 0.04em; text-transform: uppercase; }
.badge-verify { background: rgba(45, 106, 79, 0.1); color: var(--green); }
.badge-verify::before { content: '✓'; font-size: 12px; }
.badge-tenure { background: var(--cream-warm); color: var(--ink); border: 1px solid var(--rule); }
.badge-response { background: rgba(45, 106, 79, 0.08); color: var(--green); border: 1px solid rgba(45, 106, 79, 0.2); display: inline-flex; align-items: center; gap: 5px; font-size: 11px; font-weight: 600; padding: 4px 9px; border-radius: 3px; letter-spacing: 0.04em; text-transform: uppercase; }
.badge-response::before { content: '⏱'; font-size: 11px; }
.agent-bio { font-size: 14px; color: var(--ink-soft); line-height: 1.55; margin-top: 6px; }
.agent-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 6px; }
.tag { font-size: 11.5px; background: var(--cream-warm); color: var(--ink-soft); padding: 4px 10px; border-radius: 3px; border: 1px solid var(--rule-soft); }
.agent-action { display: flex; flex-direction: column; align-items: stretch; gap: 10px; min-width: 200px; }
.call-btn {
  background: var(--ink); color: var(--cream); border: none;
  font-family: 'Inter', sans-serif; font-size: 14px; font-weight: 600;
  padding: 14px 20px; border-radius: 6px; cursor: pointer; text-decoration: none;
  text-align: center; transition: background 0.15s; display: flex;
  align-items: center; justify-content: center; gap: 8px; letter-spacing: 0.01em;
}
.call-btn:hover { background: #0f1a2f; }
.call-btn::before { content: '📞'; font-size: 14px; }
.call-btn.revealed { background: var(--green); flex-direction: column; gap: 2px; padding: 12px 20px; }
.call-btn.revealed::before { display: none; }
.call-btn-label { font-size: 11px; font-weight: 500; opacity: 0.85; letter-spacing: 0.06em; text-transform: uppercase; }
.call-btn-ext { font-family: 'Fraunces', serif; font-size: 17px; font-weight: 500; letter-spacing: 0.02em; }
.agent-profile-link {
  color: var(--ink); text-decoration: none; font-size: 13px; font-weight: 500;
  padding: 11px 20px; border: 1px solid var(--rule); border-radius: 6px; text-align: center;
  transition: border-color 0.15s, background 0.15s;
}
.agent-profile-link:hover { border-color: var(--ink); background: var(--cream-warm); }
.agent-verify-link {
  font-size: 11.5px; color: var(--ink-soft); text-decoration: underline;
  text-decoration-color: var(--rule); text-underline-offset: 3px; text-align: center; margin-top: 2px;
}
.agent-verify-link:hover { color: var(--ink); }

/* SIDEBAR */
.sidebar { display: flex; flex-direction: column; gap: 24px; position: sticky; top: 96px; align-self: start; }
.side-card { background: white; border: 1px solid var(--rule); border-radius: 10px; padding: 24px; }
.side-card.dark { background: var(--ink); color: var(--cream); border: none; }
.side-card h4 { font-family: 'Fraunces', serif; font-size: 18px; font-weight: 500; margin-bottom: 14px; letter-spacing: -0.01em; }
.side-card p { font-size: 13.5px; line-height: 1.55; color: var(--ink-soft); }
.side-card.dark p { color: rgba(250, 246, 238, 0.85); }
.side-list { list-style: none; margin-top: 12px; }
.side-list li { font-size: 13px; padding: 9px 0; border-bottom: 1px solid var(--rule-soft); color: var(--ink-soft); display: flex; align-items: flex-start; gap: 8px; }
.side-list li:last-child { border-bottom: none; }
.side-list li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }
.side-card.dark .side-list li { color: rgba(250, 246, 238, 0.92); border-bottom-color: rgba(250, 246, 238, 0.15); }
.side-card.dark .side-list li::before { color: var(--gold-soft); }
.promise-card { background: var(--cream-warm); border: 1px solid var(--rule); border-radius: 10px; padding: 24px; }
.promise-card h4 { font-family: 'Fraunces', serif; font-style: italic; font-size: 18px; margin-bottom: 12px; color: var(--ink); }
.promise-card p { font-size: 13.5px; line-height: 1.55; color: var(--ink-soft); }

/* LOCAL CONTEXT */
.local { background: var(--cream-warm); padding: 80px 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.local-grid { display: grid; grid-template-columns: 1fr 2fr; gap: 80px; align-items: start; }
.local h2 { font-family: 'Fraunces', serif; font-size: 32px; line-height: 1.1; letter-spacing: -0.02em; font-weight: 500; margin-bottom: 16px; }
.local-intro { font-size: 15px; color: var(--ink-soft); }
.local-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--rule); border: 1px solid var(--rule); border-radius: 8px; overflow: hidden; }
.local-stat { background: var(--cream); padding: 24px; }
.local-stat-label { font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; }
.local-stat-value { font-family: 'Fraunces', serif; font-size: 28px; font-weight: 500; letter-spacing: -0.01em; margin-bottom: 6px; }
.local-stat-source { font-size: 11.5px; color: var(--ink-soft); }
.local-prose { grid-column: 1 / -1; margin-top: 32px; column-count: 2; column-gap: 60px; font-size: 15px; line-height: 1.7; color: var(--ink-soft); }
.local-prose p { margin-bottom: 16px; break-inside: avoid; }

/* NEARBY CITIES */
.nearby { padding: 80px 0; }
.nearby h2 { font-family: 'Fraunces', serif; font-size: 32px; font-weight: 500; letter-spacing: -0.02em; margin-bottom: 32px; }
.nearby-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 1px solid var(--rule); border-left: 1px solid var(--rule); }
.nearby-link { padding: 20px 18px; text-decoration: none; color: var(--ink); border-bottom: 1px solid var(--rule); border-right: 1px solid var(--rule); transition: background 0.15s; }
.nearby-link:hover { background: var(--cream-warm); }
.nearby-name { font-family: 'Fraunces', serif; font-size: 18px; font-weight: 500; margin-bottom: 4px; letter-spacing: -0.01em; }
.nearby-meta { font-size: 12px; color: var(--ink-soft); }

/* COMMUNITY BANNER */
.community-banner { background: var(--cream-warm); border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); padding: 36px 0; }
.community-grid { display: grid; grid-template-columns: auto 1fr; gap: 36px; align-items: center; max-width: 960px; margin: 0 auto; }
.community-icon { width: 64px; height: 64px; border-radius: 50%; background: var(--ink); color: var(--gold-soft); display: grid; place-items: center; font-family: 'Fraunces', serif; font-size: 28px; font-style: italic; flex-shrink: 0; letter-spacing: -0.02em; }
.community-text h4 { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 500; letter-spacing: -0.01em; margin-bottom: 6px; color: var(--ink); }
.community-text h4 em { font-style: italic; color: var(--rust); font-weight: 400; }
.community-text p { font-size: 14px; color: var(--ink-soft); line-height: 1.55; max-width: 640px; }

/* ── RESPONSIVE ── */
@media (max-width: 1100px) {
  .foot-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; }
  .foot-about { grid-column: 1 / -1; max-width: 600px; }
}
@media (max-width: 1000px) {
  .main { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .city-hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .city-stats { flex-direction: row; border-left: none; padding-left: 0; border-top: 2px solid var(--gold); padding-top: 20px; gap: 36px; }
  .local-grid { grid-template-columns: 1fr; gap: 32px; }
  .local-prose { column-count: 1; }
  .nearby-grid { grid-template-columns: 1fr 1fr; }
  .foot-grid { grid-template-columns: 1fr 1fr 1fr; }
  .foot-about { grid-column: 1 / -1; }
  .nav-links a:not(.nav-cta) { display: none; }
  .intake-grid { grid-template-columns: 1fr; gap: 32px; }
  .intake-left { text-align: center; }
  .intake-left p { margin-left: auto; margin-right: auto; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .map-wrap { height: 380px; }
  .trust-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .diff-grid { grid-template-columns: 1fr; }
  .how-grid { grid-template-columns: 1fr; gap: 40px; }
  .states-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 600px) {
  .container { padding: 0 20px; }
  .agent-card { grid-template-columns: 1fr; text-align: left; }
  .agent-photo { width: 64px; height: 64px; font-size: 22px; }
  .agent-action { align-items: flex-start; flex-direction: row; flex-wrap: wrap; }
  .intake-options { grid-template-columns: 1fr; }
  .intake-input-row { grid-template-columns: 1fr; }
  .intake-form-wrap { padding: 22px 20px; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .trust-strip-inner { gap: 12px 20px; justify-content: flex-start; }
  .trust-strip-item { font-size: 12px; }
  .community-grid { grid-template-columns: 1fr; gap: 16px; text-align: center; }
  .community-icon { margin: 0 auto; }
  .search-row { grid-template-columns: 1fr; }
  .search-cta { width: 100%; }
  .states-grid { grid-template-columns: 1fr 1fr; }
  .hero { padding: 48px 0 40px; }
}

/* ══════════════════════════════════════════════════════════════
   SHARED — NEW PAGES
   ══════════════════════════════════════════════════════════════ */

/* Page hero — cream background, big Fraunces headline */
.pg-hero {
  padding: 56px 0 72px;
  border-bottom: 1px solid var(--rule);
}
.pg-hero--state { padding-bottom: 0; }
.pg-hero-title {
  font-size: clamp(36px, 5vw, 60px);
  line-height: 1.05;
  letter-spacing: -0.025em;
  margin-bottom: 20px;
}
.pg-hero-title em { font-style: italic; color: var(--rust); font-weight: 400; }
.pg-hero-sub {
  font-size: 18px;
  color: var(--ink-soft);
  line-height: 1.6;
  max-width: 560px;
}

/* Utility buttons */
.btn-ink {
  display: inline-block;
  background: var(--ink);
  color: var(--cream);
  text-decoration: none;
  padding: 13px 28px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  border: none;
  cursor: pointer;
  transition: background 0.15s;
  font-family: inherit;
}
.btn-ink:hover { background: #0f1a2f; }
.btn-outline {
  display: inline-block;
  background: transparent;
  color: var(--ink);
  text-decoration: none;
  padding: 13px 28px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  border: 1px solid var(--rule);
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
  font-family: inherit;
}
.btn-outline:hover { border-color: var(--ink); background: var(--cream-warm); }
.btn-cream {
  display: inline-block;
  background: var(--cream);
  color: var(--ink);
  text-decoration: none;
  padding: 13px 28px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  border: none;
  cursor: pointer;
  transition: background 0.15s;
  font-family: inherit;
}
.btn-cream:hover { background: var(--cream-warm); }
.intake-form-link {
  color: rgba(250,246,238,0.75);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  transition: color 0.15s;
}
.intake-form-link:hover { color: var(--cream); }

/* ══════════════════════════════════════════════════════════════
   STATE PAGE
   ══════════════════════════════════════════════════════════════ */

/* ── STATE PAGE ─────────────────────────────────────────────── */

/* State hero grid */
.pg-hero-grid {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 60px;
  align-items: start;
  padding: 56px 0 72px;
}
.pg-hero-left {}
.pg-hero-right {}

/* Stat pillars below hero headline */
.pg-hero-stats {
  display: flex;
  gap: 0;
  margin-top: 40px;
  border-top: 1px solid var(--rule);
  border-left: 1px solid var(--rule);
}
.pg-stat {
  display: flex;
  flex-direction: column;
  padding: 20px 28px;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.pg-stat-num {
  font-family: 'Fraunces', serif;
  font-size: 32px;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.02em;
  line-height: 1;
  margin-bottom: 6px;
}
.pg-stat-label {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-soft);
}

/* DOI / guaranty card in state hero */
.state-doi-card {
  background: var(--ink);
  color: var(--cream);
  border-radius: 10px;
  padding: 32px;
  position: sticky;
  top: 96px;
}
.sdoi-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin-bottom: 10px;
}
.sdoi-amount {
  font-family: 'Fraunces', serif;
  font-size: 44px;
  font-weight: 500;
  color: white;
  letter-spacing: -0.02em;
  line-height: 1;
  margin-bottom: 14px;
}
.sdoi-desc {
  font-size: 14px;
  color: rgba(250,246,238,0.78);
  line-height: 1.6;
  margin-bottom: 14px;
}
.sdoi-desc strong { color: var(--cream); }
.sdoi-link {
  display: inline-block;
  font-size: 13px;
  color: var(--gold-soft);
  text-decoration: none;
  font-weight: 600;
  margin-bottom: 24px;
}
.sdoi-link:hover { color: var(--cream); }
.sdoi-divider { border: none; border-top: 1px solid rgba(250,246,238,0.15); margin-bottom: 20px; }
.sdoi-verify-label { font-size: 12px; color: rgba(250,246,238,0.6); margin-bottom: 10px; }
.sdoi-verify-btn {
  display: block;
  background: rgba(250,246,238,0.1);
  color: var(--cream);
  text-decoration: none;
  padding: 12px 16px;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 600;
  text-align: center;
  border: 1px solid rgba(250,246,238,0.2);
  transition: background 0.15s;
}
.sdoi-verify-btn:hover { background: rgba(250,246,238,0.18); }

/* State cities section */
.state-cities-sec { padding: 72px 0; }
.sc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 0;
  border-top: 1px solid var(--rule);
  border-left: 1px solid var(--rule);
  margin-top: 32px;
}
.sc-card {
  display: flex;
  flex-direction: column;
  padding: 20px 22px;
  text-decoration: none;
  color: var(--ink);
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  transition: background 0.15s;
}
.sc-card:hover { background: var(--cream-warm); }
.sc-name {
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 500;
  margin-bottom: 4px;
  letter-spacing: -0.01em;
}
.sc-pop { font-size: 12px; color: var(--ink-soft); margin-bottom: 8px; }
.sc-agents { font-size: 12px; color: var(--gold); font-weight: 600; margin-top: auto; }

/* State products strip (dark) */
.state-products-strip {
  background: var(--ink);
  color: var(--cream);
  padding: 72px 0;
  border-top: 1px solid rgba(250,246,238,0.1);
}
.sp-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  border-top: 1px solid rgba(250,246,238,0.15);
  border-left: 1px solid rgba(250,246,238,0.15);
}
.sp-card {
  display: flex;
  flex-direction: column;
  padding: 24px 22px;
  text-decoration: none;
  color: var(--cream);
  border-right: 1px solid rgba(250,246,238,0.15);
  border-bottom: 1px solid rgba(250,246,238,0.15);
  transition: background 0.15s;
}
.sp-card:hover { background: rgba(250,246,238,0.06); }
.sp-label { font-family: 'Fraunces', serif; font-size: 17px; font-weight: 500; margin-bottom: 8px; }
.sp-desc { font-size: 13px; color: rgba(250,246,238,0.65); line-height: 1.5; flex: 1; margin-bottom: 14px; }
.sp-cta { font-size: 12px; color: var(--gold-soft); font-weight: 600; }

/* State how-it-works */
.state-hiw {
  padding: 80px 0;
  background: var(--cream-warm);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.state-hiw-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  align-items: start;
}
.state-hiw-steps { display: flex; flex-direction: column; gap: 0; }
.state-hiw-steps .step { border-bottom: 1px solid var(--rule); padding-bottom: 28px; margin-bottom: 28px; }
.state-hiw-steps .step:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }

/* ── AGENT PROFILE ──────────────────────────────────────────── */

.ap-hero {
  padding: 0 0 56px;
  border-bottom: 1px solid var(--rule);
  background: var(--cream);
}
.ap-hero-grid {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 48px;
  align-items: start;
  padding-top: 40px;
}
.ap-photo-col { position: relative; }
.ap-photo {
  width: 180px;
  height: 180px;
  border-radius: 10px;
  object-fit: cover;
  border: 2px solid var(--rule);
  display: block;
}
.ap-initials {
  width: 180px; height: 180px;
  border-radius: 10px;
  background: var(--ink);
  color: var(--cream);
  display: grid;
  place-items: center;
  font-family: 'Fraunces', serif;
  font-size: 56px;
  font-weight: 500;
  letter-spacing: -0.02em;
}
.ap-tier {
  display: inline-block;
  margin-top: 14px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 3px;
  width: 100%;
  text-align: center;
}
.ap-tier--elite   { background: var(--gold); color: white; }
.ap-tier--premier { background: var(--ink); color: var(--cream); }
.ap-tier--verified { background: rgba(45,106,79,0.12); color: var(--green); border: 1px solid rgba(45,106,79,0.3); }

.ap-location { font-size: 14px; color: var(--ink-soft); margin-bottom: 28px; }
.ap-stats-row {
  display: flex;
  gap: 0;
  border: 1px solid var(--rule);
  border-radius: 8px;
  overflow: hidden;
  max-width: 480px;
}
.ap-stats-row .city-stat {
  flex: 1;
  border-right: 1px solid var(--rule);
  padding: 16px 20px;
  align-items: flex-start;
}
.ap-stats-row .city-stat:last-child { border-right: none; }
.ap-stats-row .city-stat-num { font-size: 26px; }

.ap-cta-strip {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.ap-cta-actions { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }

.ap-body { padding: 60px 0 80px; }
.ap-main-grid {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 60px;
  align-items: start;
}
.ap-main { display: flex; flex-direction: column; gap: 48px; }
.ap-section {}
.ap-spec-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 4px;
}
.ap-spec-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 15px;
  color: var(--ink-soft);
  line-height: 1.4;
}
.ap-spec-check { color: var(--green); font-weight: 700; font-size: 16px; flex-shrink: 0; margin-top: 1px; }

/* ── LEGAL PAGES ────────────────────────────────────────────── */

.legal-layout {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 64px;
  align-items: start;
}
.legal-toc {
  position: sticky;
  top: 96px;
  background: var(--cream-warm);
  border: 1px solid var(--rule);
  border-radius: 8px;
  padding: 20px;
}
.legal-toc-head {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 14px;
}
.legal-toc a {
  display: block;
  font-size: 13px;
  color: var(--ink-soft);
  text-decoration: none;
  padding: 5px 0;
  border-bottom: 1px solid var(--rule-soft);
  transition: color 0.15s;
}
.legal-toc a:last-child { border-bottom: none; }
.legal-toc a:hover { color: var(--gold); }
.legal-body {}
.legal-body h2 {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
  margin: 40px 0 12px;
  letter-spacing: -0.01em;
}
.legal-body h2:first-of-type { margin-top: 0; }
.legal-body p { font-size: 15px; color: var(--ink-soft); line-height: 1.7; margin-bottom: 14px; }
.legal-body ul { padding-left: 24px; margin-bottom: 14px; }
.legal-body li { font-size: 15px; color: var(--ink-soft); line-height: 1.65; margin-bottom: 6px; }
.legal-body a { color: var(--gold); }
.legal-body strong { color: var(--ink); }
.legal-notice {
  background: #fffbea;
  border: 1px solid #e8c940;
  border-left: 4px solid #e8c940;
  border-radius: 4px;
  padding: 14px 18px;
  font-size: 13px;
  color: #7a6000;
  margin-bottom: 36px;
  line-height: 1.55;
}

/* ── CONTACT PAGE ───────────────────────────────────────────── */

.contact-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 60px;
  align-items: start;
}
.contact-form-col {}
.contact-info-col { display: flex; flex-direction: column; gap: 20px; }
.cf-field { display: flex; flex-direction: column; gap: 7px; margin-bottom: 4px; }
.cf-field label { font-size: 13px; font-weight: 600; color: var(--ink); }
#contact-form input,
#contact-form select,
#contact-form textarea {
  border: 1px solid var(--rule);
  border-radius: 6px;
  padding: 13px 16px;
  font-size: 15px;
  font-family: 'Inter', sans-serif;
  background: white;
  color: var(--ink);
  outline: none;
  transition: border-color 0.15s, box-shadow 0.15s;
  width: 100%;
}
#contact-form input:focus,
#contact-form select:focus,
#contact-form textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(176,141,58,0.08);
}
#contact-form textarea { resize: vertical; min-height: 140px; }

/* ── HOW IT WORKS PAGE ─────────────────────────────────────── */

.hiw-steps-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule);
  border-left: 1px solid var(--rule);
}
.hiw-step-card {
  padding: 40px 36px;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.hiw-step-num {
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: 52px;
  font-weight: 400;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 20px;
}
.hiw-step-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  letter-spacing: -0.01em;
  margin-bottom: 12px;
}
.hiw-step-card p { font-size: 15px; color: var(--ink-soft); line-height: 1.65; }

.hiw-faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  align-items: start;
}
.hiw-faq-list { display: flex; flex-direction: column; }
.faq-item {
  border-bottom: 1px solid var(--rule);
}
.faq-item:first-child { border-top: 1px solid var(--rule); }
.faq-item summary {
  font-size: 16px;
  font-weight: 600;
  padding: 20px 0;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--ink);
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-family: 'Fraunces', serif;
  font-size: 24px;
  color: var(--gold);
  font-weight: 400;
  line-height: 1;
  flex-shrink: 0;
  margin-left: 16px;
}
.faq-item[open] summary::after { content: '−'; }
.faq-item p {
  font-size: 15px;
  color: var(--ink-soft);
  line-height: 1.7;
  padding-bottom: 20px;
}
.faq-item a { color: var(--gold); }

/* ── OUR VETTING PAGE ──────────────────────────────────────── */

.ov-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 80px;
  align-items: start;
}
.ov-checks-grid {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.ov-check {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.ov-check-icon {
  width: 40px; height: 40px; min-width: 40px;
  border-radius: 50%;
  background: var(--ink);
  color: var(--cream);
  display: grid;
  place-items: center;
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 500;
}
.ov-check strong { display: block; font-size: 15px; margin-bottom: 6px; }
.ov-check p { font-size: 14px; color: var(--ink-soft); line-height: 1.55; margin: 0; }

.ov-tiers {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-template-rows: auto auto;
  gap: 0;
  border-top: 1px solid var(--rule);
  border-left: 1px solid var(--rule);
}
.ov-tier {
  display: grid;
  grid-template-rows: subgrid;
  grid-row: span 2;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.ov-tier-header {
  padding: 28px 28px 20px;
  border-bottom: 1px solid var(--rule);
}
.ov-tier--verified .ov-tier-header { background: #f0f9f4; }
.ov-tier--premier  .ov-tier-header { background: #f0f2f9; }
.ov-tier--elite    .ov-tier-header { background: #fdf8ec; }
.ov-tier-header h3 {
  font-family: 'Fraunces', serif;
  font-size: 20px;
  font-weight: 500;
  margin: 10px 0 6px;
  letter-spacing: -0.01em;
}
.ov-tier-header p { font-size: 13px; color: var(--ink-soft); margin: 0; line-height: 1.5; }
.ov-tier .side-list { padding: 24px 28px; margin: 0; }
.ov-tier .side-list li { font-size: 14px; }

.ov-tier-badge {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 3px;
}
.ov-badge--verified { background: rgba(45,106,79,0.12); color: var(--green); border: 1px solid rgba(45,106,79,0.25); }
.ov-badge--premier  { background: rgba(26,39,64,0.08); color: var(--ink); border: 1px solid rgba(26,39,64,0.2); }
.ov-badge--elite    { background: var(--gold); color: white; }

.ov-nolist-layout {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  align-items: start;
}
.ov-nolist { display: flex; flex-direction: column; gap: 28px; }
.ov-no-item { display: flex; gap: 16px; align-items: flex-start; }
.ov-no-x {
  font-size: 24px;
  color: var(--rule);
  flex-shrink: 0;
  margin-top: -2px;
  line-height: 1;
}
.ov-no-item strong { display: block; font-size: 16px; margin-bottom: 6px; }
.ov-no-item p { font-size: 14px; color: var(--ink-soft); line-height: 1.6; margin: 0; }

/* ── 404 PAGE ───────────────────────────────────────────────── */

.nf-big {
  font-family: 'Fraunces', serif;
  font-size: 140px;
  font-weight: 700;
  line-height: 1;
  color: var(--rule);
  margin-bottom: 8px;
  letter-spacing: -0.04em;
}
.nf-states {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
}
.nf-states a {
  font-size: 13px;
  color: var(--gold);
  padding: 7px 14px;
  border: 1px solid var(--rule);
  border-radius: 4px;
  text-decoration: none;
  background: white;
  transition: border-color 0.15s, background 0.15s;
}
.nf-states a:hover { border-color: var(--gold); background: var(--cream-warm); }

/* ══════════════════════════════════════════════════════════════
   HOW IT WORKS — HERO + STEPS REDESIGN
   ══════════════════════════════════════════════════════════════ */

.hiw-hero { padding: 72px 0 80px; border-bottom: 1px solid var(--rule); background: var(--cream); }
.hiw-hero-grid {
  display: grid;
  grid-template-columns: 1fr 520px;
  gap: 60px;
  align-items: center;
}
.hiw-hero-btns { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 36px; }
.hiw-hero-trust { font-size: 13px; color: var(--ink-soft); margin-top: 20px; font-weight: 500; letter-spacing: 0.02em; }
/* contrast card — row-based comparison */
.hiw-contrast-card {
  background: var(--ink);
  border-radius: 12px;
  padding: 32px 36px;
}
.hiw-cc-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding-bottom: 16px;
  margin-bottom: 4px;
  border-bottom: 1px solid rgba(250,246,238,0.15);
}
.hiw-cc-label { font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; }
.hiw-cc-label--bad  { color: rgba(250,246,238,0.4); }
.hiw-cc-label--good { color: var(--gold-soft); }
.hiw-cc-row-item {
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding: 13px 0;
  border-bottom: 1px solid rgba(250,246,238,0.07);
}
.hiw-cc-row-item--last { border-bottom: none; padding-bottom: 0; }
.hiw-cc-bad-cell  { display: flex; align-items: flex-start; gap: 9px; font-size: 15px; color: rgba(250,246,238,0.4); line-height: 1.4; padding-right: 14px; }
.hiw-cc-good-cell { display: flex; align-items: flex-start; gap: 9px; font-size: 15px; color: var(--cream); line-height: 1.4; padding-left: 16px; border-left: 1px solid rgba(250,246,238,0.15); }
.hiw-cc-x     { color: #e07070; font-weight: 700; flex-shrink: 0; line-height: 1.4; }
.hiw-cc-check { color: #6fcf97; font-weight: 700; flex-shrink: 0; line-height: 1.4; }

.hiw-steps-sec { padding: 80px 0; background: var(--cream); border-bottom: 1px solid var(--rule); }
.hiw-steps-head { margin-bottom: 56px; }
.hiw-step-row {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 40px;
  align-items: start;
  padding: 40px 0;
  border-top: 1px solid var(--rule);
}
.hiw-step-num-big {
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: 100px;
  font-weight: 400;
  color: var(--gold);
  line-height: 0.9;
  letter-spacing: -0.04em;
  padding-top: 4px;
}
.hiw-step-content h3 {
  font-family: 'Fraunces', serif;
  font-size: 24px;
  font-weight: 500;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
  line-height: 1.2;
}
.hiw-step-content p { font-size: 16px; color: var(--ink-soft); line-height: 1.7; max-width: 520px; margin: 0; }

/* ══════════════════════════════════════════════════════════════
   OUR VETTING — DARK HERO + AUDIT ROWS
   ══════════════════════════════════════════════════════════════ */

.ov-dark-hero { background: var(--ink); padding: 80px 0 72px; }
.ov-dark-title {
  font-size: clamp(36px,5vw,60px);
  color: var(--cream);
  line-height: 1.05;
  letter-spacing: -0.025em;
  margin: 20px auto;
  max-width: 700px;
}
.ov-dark-title em { color: var(--gold-soft); font-style: italic; font-weight: 400; }
.ov-dark-sub { font-size: 18px; color: rgba(250,246,238,0.72); line-height: 1.65; max-width: 520px; margin: 0 auto 52px; }
.ov-dark-stats { display: inline-flex; border: 1px solid rgba(250,246,238,0.18); border-radius: 8px; overflow: hidden; }
.ov-dark-stat { padding: 22px 36px; border-right: 1px solid rgba(250,246,238,0.18); text-align: center; }
.ov-dark-stat:last-child { border-right: none; }
.ov-dark-stat-num { font-family: 'Fraunces', serif; font-size: 36px; font-weight: 500; color: var(--gold-soft); line-height: 1; margin-bottom: 6px; }
.ov-dark-stat-label { font-size: 12px; color: rgba(250,246,238,0.55); font-weight: 600; letter-spacing: 0.04em; }

.ov-audit-sec { padding: 80px 0; background: var(--cream); border-bottom: 1px solid var(--rule); }
.ov-audit-head { margin-bottom: 48px; }
.ov-audit-row {
  display: grid;
  grid-template-columns: 72px 1fr 260px;
  gap: 36px;
  align-items: start;
  padding: 36px 0;
  border-top: 1px solid var(--rule);
}
.ov-audit-num { font-family: 'Fraunces', serif; font-style: italic; font-size: 52px; font-weight: 400; color: var(--gold); line-height: 1; letter-spacing: -0.02em; }
.ov-audit-main h3 { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 500; margin-bottom: 8px; letter-spacing: -0.01em; }
.ov-audit-main p { font-size: 15px; color: var(--ink-soft); line-height: 1.65; margin: 0; }
.ov-audit-how { background: var(--cream-warm); border: 1px solid var(--rule); border-radius: 8px; padding: 16px 18px; margin-top: 4px; }
.ov-audit-how-label { font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 8px; }
.ov-audit-how-text { font-size: 13px; color: var(--ink); line-height: 1.55; font-weight: 500; }

/* ══════════════════════════════════════════════════════════════
   CONTACT — DARK TOP
   ══════════════════════════════════════════════════════════════ */

.contact-top { background: var(--ink); padding: 72px 0 64px; }
.contact-top-grid { display: grid; grid-template-columns: 1fr auto; gap: 80px; align-items: center; }
.contact-top-title { font-size: clamp(36px,5vw,56px); color: var(--cream); line-height: 1.05; letter-spacing: -0.025em; margin: 16px 0 12px; }
.contact-top-sub { font-size: 17px; color: rgba(250,246,238,0.7); line-height: 1.6; max-width: 400px; }
.contact-top-facts { display: flex; flex-direction: column; gap: 0; border: 1px solid rgba(250,246,238,0.2); border-radius: 8px; overflow: hidden; min-width: 200px; }
.contact-fact { padding: 20px 24px; border-bottom: 1px solid rgba(250,246,238,0.15); }
.contact-fact:last-child { border-bottom: none; }
.contact-fact-num { font-family: 'Fraunces', serif; font-size: 26px; font-weight: 500; color: var(--gold-soft); line-height: 1; margin-bottom: 4px; }
.contact-fact-label { font-size: 12px; color: rgba(250,246,238,0.55); font-weight: 600; letter-spacing: 0.04em; }

/* ══════════════════════════════════════════════════════════════
   AGENT PROFILE — 3-COL HERO + CONTACT CARD
   ══════════════════════════════════════════════════════════════ */

.ap-hero-3col {
  display: grid;
  grid-template-columns: 200px 1fr 268px;
  gap: 48px;
  align-items: start;
  padding: 40px 0 56px;
}
.ap-contact-card { background: var(--ink); border-radius: 10px; padding: 28px; position: sticky; top: 96px; }
.ap-cc-eyebrow { font-size: 10px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(250,246,238,0.5); margin-bottom: 4px; }
.ap-cc-name { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 500; color: var(--cream); line-height: 1.2; margin-bottom: 20px; }
.ap-cc-btn {
  display: block; background: var(--cream); color: var(--ink); text-align: center;
  padding: 13px; border-radius: 6px; font-weight: 700; font-size: 14px;
  cursor: pointer; border: none; width: 100%; font-family: inherit; margin-bottom: 10px;
  transition: background 0.15s;
}
.ap-cc-btn:hover { background: var(--cream-warm); }
.ap-cc-link { display: block; text-align: center; font-size: 13px; color: rgba(250,246,238,0.6); text-decoration: none; font-weight: 500; padding: 8px; transition: color 0.15s; }
.ap-cc-link:hover { color: var(--cream); }
.ap-cc-divider { border: none; border-top: 1px solid rgba(250,246,238,0.15); margin: 18px 0; }
.ap-cc-row { display: flex; justify-content: space-between; align-items: baseline; font-size: 13px; margin-bottom: 10px; }
.ap-cc-row:last-child { margin-bottom: 0; }
.ap-cc-row-label { color: rgba(250,246,238,0.55); }
.ap-cc-row-value { color: var(--cream); font-weight: 600; }

/* ══════════════════════════════════════════════════════════════
   WHY INDEPENDENT AGENT
   ══════════════════════════════════════════════════════════════ */

/* hero */
.wia-hero { background: var(--ink); padding: 80px 0 72px; }
.wia-hero-grid { display: grid; grid-template-columns: 1fr 320px; gap: 64px; align-items: center; }
.wia-hero-title {
  font-size: clamp(32px,4.5vw,54px);
  color: var(--cream);
  line-height: 1.05;
  letter-spacing: -0.025em;
  margin: 16px 0 20px;
}
.wia-hero-title em { color: var(--gold-soft); font-style: italic; font-weight: 400; }
.wia-hero-sub { font-size: 17px; color: rgba(250,246,238,0.72); line-height: 1.65; max-width: 440px; }
.wia-hero-card {
  border: 1px solid rgba(250,246,238,0.2);
  border-radius: 10px;
  padding: 28px;
}
.wia-hero-card-label { font-size: 10px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(250,246,238,0.5); margin-bottom: 20px; }
.wia-hero-fact { display: flex; align-items: flex-start; gap: 16px; padding: 16px 0; border-bottom: 1px solid rgba(250,246,238,0.12); }
.wia-hero-fact:last-child { border-bottom: none; padding-bottom: 0; }
.wia-hero-fact-num { font-family: 'Fraunces', serif; font-size: 36px; font-weight: 500; color: var(--gold-soft); line-height: 1; flex-shrink: 0; min-width: 48px; }
.wia-hero-fact-text { font-size: 13px; color: rgba(250,246,238,0.7); line-height: 1.5; padding-top: 4px; }

/* comparison table */
.wia-compare-sec { padding: 80px 0; background: var(--cream); border-bottom: 1px solid var(--rule); }
.wia-compare-head { margin-bottom: 48px; }
.wia-compare-header-row {
  display: grid;
  grid-template-columns: 1fr 56px 1fr;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--rule);
}
.wia-compare-col-label { font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; }
.wia-compare-col-label--captive { color: var(--ink-soft); opacity: 0.55; }
.wia-compare-col-label--indep { color: var(--gold); }
.wia-compare-row {
  display: grid;
  grid-template-columns: 1fr 56px 1fr;
  align-items: center;
  padding: 22px 0;
  border-bottom: 1px solid var(--rule);
}
.wia-captive-cell { font-size: 15px; color: var(--ink-soft); line-height: 1.55; padding-right: 20px; }
.wia-compare-vs { display: flex; justify-content: center; }
.wia-compare-vs span {
  font-size: 10px; font-weight: 700; letter-spacing: 0.06em;
  color: var(--ink-soft); opacity: 0.4;
  background: var(--cream-warm); border: 1px solid var(--rule);
  border-radius: 4px; padding: 3px 7px;
}
.wia-indep-cell {
  font-size: 15px; color: var(--ink); font-weight: 500; line-height: 1.55;
  padding-left: 20px;
  border-left: 2px solid var(--gold-soft);
}

/* benefits */
.wia-benefits-sec { padding: 80px 0; background: var(--cream-warm); border-bottom: 1px solid var(--rule); }
.wia-benefits-head { margin-bottom: 48px; }
.wia-benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.wia-benefit-card { background: var(--cream); border: 1px solid var(--rule); border-radius: 10px; padding: 32px; }
.wia-benefit-num { font-family: 'Fraunces', serif; font-style: italic; font-size: 52px; font-weight: 400; color: var(--gold); line-height: 1; letter-spacing: -0.02em; margin-bottom: 16px; }
.wia-benefit-title { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 500; line-height: 1.2; margin-bottom: 12px; letter-spacing: -0.01em; }
.wia-benefit-body { font-size: 15px; color: var(--ink-soft); line-height: 1.65; margin: 0; }

/* vetting callout */
.wia-vetting-sec { padding: 72px 0; background: var(--cream-warm); border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.wia-vetting-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.wia-vetting-card { background: var(--ink); border-radius: 10px; padding: 32px; }
.wia-vetting-card-label { font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(250,246,238,0.5); margin-bottom: 20px; }
.wia-vetting-item { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 14px; }
.wia-vetting-item:last-child { margin-bottom: 0; }
.wia-vetting-item-num { font-family: 'Fraunces', serif; font-style: italic; font-size: 22px; color: var(--gold-soft); line-height: 1; flex-shrink: 0; width: 20px; }
.wia-vetting-item-text { font-size: 14px; color: var(--cream); line-height: 1.5; }

/* ══════════════════════════════════════════════════════════════
   FIND-AGENT CTA MORPH (global.js)
   ══════════════════════════════════════════════════════════════ */

.fcs-wrap {
  display: inline-flex;
  align-items: stretch;
  gap: 8px;
  flex-wrap: wrap;
  animation: fcs-in 0.18s ease both;
}
@keyframes fcs-in {
  from { opacity: 0; transform: translateY(4px); }
  to   { opacity: 1; transform: translateY(0); }
}
/* shared input/select base */
.fcs-state,
.fcs-city {
  font-family: inherit;
  font-size: 14px;
  font-weight: 500;
  height: 46px;
  padding: 0 14px;
  border-radius: 6px;
  border: 2px solid var(--ink);
  background: var(--cream);
  color: var(--ink);
  cursor: pointer;
  outline: none;
  appearance: none;
  -webkit-appearance: none;
  transition: border-color 0.15s;
}
.fcs-state:focus,
.fcs-city:focus  { border-color: var(--gold); }
.fcs-state { min-width: 148px; }
.fcs-city  { min-width: 168px; }
.fcs-city:disabled { opacity: 0.4; cursor: not-allowed; }

/* Go button */
.fcs-go {
  font-family: inherit;
  font-size: 14px;
  font-weight: 700;
  height: 46px;
  padding: 0 22px;
  border-radius: 6px;
  border: none;
  background: var(--gold);
  color: var(--cream);
  cursor: pointer;
  letter-spacing: 0.01em;
  transition: opacity 0.15s;
  white-space: nowrap;
}
.fcs-go:not(:disabled):hover { opacity: 0.82; }
.fcs-go:disabled { opacity: 0.35; cursor: not-allowed; }

/* dark-background variant (btn-cream context) */
.fcs-wrap--dark .fcs-state,
.fcs-wrap--dark .fcs-city {
  border-color: rgba(250,246,238,0.3);
  background: rgba(250,246,238,0.1);
  color: var(--cream);
}
.fcs-wrap--dark .fcs-state:focus,
.fcs-wrap--dark .fcs-city:focus { border-color: var(--gold-soft); }
.fcs-wrap--dark .fcs-go {
  background: var(--cream);
  color: var(--ink);
}

/* ── RESPONSIVE ─────────────────────────────────────────────── */

@media (max-width: 1100px) {
  .hiw-hero-grid { grid-template-columns: 1fr 460px; gap: 40px; }
}
@media (max-width: 1000px) {
  .sp-grid { grid-template-columns: repeat(3, 1fr); }
  .hiw-hero-grid { grid-template-columns: 1fr; }
  .hiw-contrast-card { display: none; }
  .ov-audit-row { grid-template-columns: 60px 1fr; }
  .ov-audit-how { display: none; }
  .contact-top-grid { grid-template-columns: 1fr; gap: 40px; }
  .contact-top-facts { flex-direction: row; min-width: auto; }
  .ap-hero-3col { grid-template-columns: 180px 1fr; }
  .ap-contact-card { display: none; }
  .wia-hero-grid { grid-template-columns: 1fr 280px; gap: 40px; }
  .wia-vetting-grid { gap: 48px; }
}
@media (max-width: 900px) {
  .pg-hero-grid { grid-template-columns: 1fr; gap: 40px; padding-bottom: 48px; }
  .state-doi-card { position: static; }
  .pg-hero-stats { max-width: 480px; }
  .ap-hero-grid { grid-template-columns: 1fr; }
  .ap-main-grid { grid-template-columns: 1fr; }
  .ap-main-grid .sidebar { order: -1; }
  .ov-intro-grid { grid-template-columns: 1fr; gap: 48px; }
  .ov-nolist-layout { grid-template-columns: 1fr; gap: 40px; }
  .hiw-faq-layout { grid-template-columns: 1fr; gap: 40px; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; }
  .contact-layout { grid-template-columns: 1fr; }
  .state-hiw-grid { grid-template-columns: 1fr; gap: 48px; }
  .ap-hero-3col { grid-template-columns: 1fr; }
  .wia-hero-grid { grid-template-columns: 1fr; }
  .wia-hero-card { display: none; }
  .wia-compare-row { grid-template-columns: 1fr; gap: 8px; }
  .wia-compare-header-row { display: none; }
  .wia-compare-vs { display: none; }
  .wia-captive-cell { display: none; }
  .wia-indep-cell { border-left: none; padding-left: 0; border-top: 1px solid var(--rule); padding-top: 22px; }
  .wia-benefits-grid { grid-template-columns: 1fr; }
  .wia-vetting-grid { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 720px) {
  .ov-tiers { grid-template-columns: 1fr; }
  .hiw-steps-grid { grid-template-columns: 1fr; }
  .hiw-step-row { grid-template-columns: 80px 1fr; gap: 24px; }
  .hiw-step-num-big { font-size: 72px; }
  .sp-grid { grid-template-columns: 1fr 1fr; }
  .ap-stats-row { flex-direction: column; }
  .ap-stats-row .city-stat { border-right: none; border-bottom: 1px solid var(--rule); }
  .ap-spec-grid { grid-template-columns: 1fr; }
  .ap-cta-strip { flex-direction: column; align-items: flex-start; gap: 20px; }
  .ov-dark-stats { flex-direction: column; }
  .ov-dark-stat { border-right: none; border-bottom: 1px solid rgba(250,246,238,0.18); }
  .ov-dark-stat:last-child { border-bottom: none; }
  .contact-top-facts { flex-direction: column; }
}
@media (max-width: 600px) {
  .sc-grid { grid-template-columns: 1fr 1fr; }
  .sp-grid { grid-template-columns: 1fr; }
  .pg-hero-stats { flex-direction: column; border: none; }
  .pg-stat { border: 1px solid var(--rule); border-radius: 6px; }
  .nf-big { font-size: 80px; }
}

/* ── POLICY PAGES (/{state}/{policy}/) ─────────────────────────────────── */

/* Hero */
.pol-hero {
  background: var(--ink);
  padding: 64px 0 72px;
}
.pol-breadcrumb a,
.pol-breadcrumb span { color: rgba(250,246,238,0.5); }
.pol-breadcrumb a:hover { color: var(--cream); }
.pol-hero-title {
  font-size: clamp(34px,5vw,58px);
  color: var(--cream);
  line-height: 1.08;
  margin-bottom: 18px;
}
.pol-hero-title em { color: var(--gold-soft); font-style: italic; font-weight: 400; }
.pol-hero-sub {
  font-size: 17px;
  color: rgba(250,246,238,0.7);
  line-height: 1.65;
  max-width: 560px;
  margin-bottom: 28px;
}
.pol-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.pol-chip {
  display: inline-flex;
  align-items: center;
  padding: 6px 14px;
  border-radius: 100px;
  border: 1px solid rgba(250,246,238,0.2);
  font-size: 12px;
  font-weight: 500;
  color: rgba(250,246,238,0.7);
  letter-spacing: 0.01em;
}

/* What section */
.pol-what-sec { padding: 80px 0; background: var(--cream); border-bottom: 1px solid var(--rule); }
.pol-what-grid {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 64px;
  align-items: start;
}
.pol-aside-card {
  background: var(--cream-warm);
  border: 1px solid var(--rule);
  border-radius: 10px;
  padding: 28px 28px 24px;
  position: sticky;
  top: 90px;
}
.pol-aside-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 16px;
}
.pol-aside-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.pol-aside-list li {
  font-size: 14px;
  color: var(--ink);
  line-height: 1.45;
  padding-left: 20px;
  position: relative;
}
.pol-aside-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 700;
  font-size: 13px;
}
.pol-aside-note {
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--rule);
  font-size: 12px;
  color: var(--ink-soft);
  line-height: 1.55;
}

/* Who section */
.pol-who-sec { padding: 72px 0; background: var(--cream-warm); border-bottom: 1px solid var(--rule); }
.pol-who-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.pol-who-card {
  background: var(--cream);
  border: 1px solid var(--rule);
  border-radius: 10px;
  padding: 32px 28px;
}
.pol-who-icon { font-size: 28px; margin-bottom: 14px; }
.pol-who-label {
  font-family: 'Fraunces', serif;
  font-size: 20px;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}
.pol-who-desc { font-size: 14px; color: var(--ink-soft); line-height: 1.65; }

/* How section */
.pol-how-sec { padding: 72px 0; background: var(--cream); border-bottom: 1px solid var(--rule); }
.pol-how-grid { display: grid; grid-template-columns: 280px 1fr; gap: 72px; align-items: start; }
.pol-steps { display: flex; flex-direction: column; }

/* CTA section */
.pol-cta-sec { background: var(--ink); padding: 80px 0; }
.pol-cta-grid { display: grid; grid-template-columns: 1fr 360px; gap: 64px; align-items: center; }
.pol-guaranty-card {
  background: rgba(250,246,238,0.06);
  border: 1px solid rgba(250,246,238,0.15);
  border-radius: 10px;
  padding: 28px;
}
.pol-guaranty-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(250,246,238,0.45);
  margin-bottom: 10px;
}
.pol-guaranty-amount {
  font-family: 'Fraunces', serif;
  font-size: 44px;
  font-weight: 500;
  color: var(--gold-soft);
  line-height: 1;
  margin-bottom: 12px;
}
.pol-guaranty-desc { font-size: 14px; color: rgba(250,246,238,0.65); line-height: 1.6; margin-bottom: 16px; }
.pol-guaranty-desc strong { color: var(--cream); }
.pol-guaranty-link { font-size: 13px; font-weight: 600; color: var(--gold-soft); text-decoration: none; }
.pol-guaranty-link:hover { color: var(--cream); }

/* Related section */
.pol-related-sec { padding: 56px 0; background: var(--cream); border-top: 1px solid var(--rule); }
.pol-related-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; }
.pol-related-eyebrow {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 16px;
}
.pol-related-grid { display: flex; flex-wrap: wrap; gap: 8px; }
.pol-related-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 10px 16px;
  background: var(--cream-warm);
  border: 1px solid var(--rule);
  border-radius: 6px;
  text-decoration: none;
  color: var(--ink);
  font-size: 13px;
  font-weight: 500;
  transition: background 0.14s;
}
.pol-related-card:hover { background: var(--rule-soft); }
.pol-related-arrow { color: var(--gold); font-weight: 700; }
.pol-compare-links { display: flex; flex-direction: column; gap: 10px; }
.pol-compare-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--gold);
  text-decoration: none;
}
.pol-compare-link:hover { color: var(--ink); }

/* Agent profile — tel hint under call button */
.ap-cc-tel-hint {
  font-size: 11px;
  color: rgba(250,246,238,0.45);
  text-align: center;
  margin: -6px 0 12px;
  letter-spacing: 0.01em;
}

/* ══════════════════════════════════════════════════════════════
   COMPARE PAGES  /compare/{slug}/
   ══════════════════════════════════════════════════════════════ */

/* ── Hero: full-bleed dark "duel" layout ─────────────────────── */
.cmp-hero {
  background: var(--ink);
  color: var(--cream);
  padding: 16px 0 36px;
  border-bottom: 3px solid var(--gold);
}
.cmp-hero-duel {
  display: grid;
  grid-template-columns: 1fr 80px 1fr;
  gap: 0;
  align-items: center;
  margin: 20px 0 20px;
}
.cmp-hero-side {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.cmp-hero-left { align-items: flex-end; text-align: right; padding-right: 40px; }
.cmp-hero-right { align-items: flex-start; text-align: left; padding-left: 40px; }
.cmp-hero-policy-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-soft);
  opacity: 0.7;
}
.cmp-hero-policy-name {
  font-size: clamp(28px, 3.8vw, 48px);
  color: var(--cream);
  line-height: 1.05;
  letter-spacing: -0.02em;
  font-weight: 500;
}
.cmp-hero-vs {
  display: flex;
  align-items: center;
  justify-content: center;
}
.cmp-hero-vs-text {
  width: 56px; height: 56px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  display: grid;
  place-items: center;
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: 16px;
  color: var(--gold);
  letter-spacing: 0.04em;
}
.cmp-hero-tagline {
  text-align: center;
  font-size: 17px;
  color: rgba(250,246,238,0.7);
  font-style: italic;
  font-family: 'Fraunces', serif;
  letter-spacing: -0.01em;
  max-width: 620px;
  margin: 0 auto;
}

/* ── Intro paragraph ─────────────────────────────────────────── */
.cmp-intro-sec {
  background: var(--cream-warm);
  padding: 52px 0;
  border-bottom: 1px solid var(--rule);
}
.cmp-intro-inner { max-width: 760px; margin: 0 auto; text-align: center; }
.cmp-intro-text { font-size: 17px; color: var(--ink-soft); line-height: 1.75; }

/* ── Section head ────────────────────────────────────────────── */
.cmp-section-head { margin-bottom: 36px; }
.cmp-section-head h2 { font-size: clamp(28px, 3.5vw, 40px); letter-spacing: -0.02em; margin-top: 10px; }

/* ── Comparison table ────────────────────────────────────────── */
.cmp-table-sec {
  padding: 72px 0 80px;
  background: var(--cream);
  border-bottom: 1px solid var(--rule);
}
.cmp-table-wrap {
  border: 1px solid var(--rule);
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 1px 4px rgba(26,39,64,0.05);
}
.cmp-table {
  width: 100%;
  border-collapse: collapse;
  table-layout: fixed;
}
.cmp-thead-row {
  background: var(--ink);
}
.cmp-th {
  padding: 18px 24px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.cmp-th-left  { color: var(--gold-soft); text-align: right; width: 38%; }
.cmp-th-attr  { color: rgba(250,246,238,0.45); text-align: center; width: 24%; font-size: 10px; letter-spacing: 0.12em; }
.cmp-th-right { color: var(--gold-soft); text-align: left; width: 38%; }

.cmp-row { border-bottom: 1px solid var(--rule-soft); }
.cmp-row:last-child { border-bottom: none; }
.cmp-row:nth-child(odd) { background: var(--cream); }
.cmp-row:nth-child(even) { background: var(--cream-warm); }

.cmp-cell {
  padding: 18px 24px;
  vertical-align: middle;
}
.cmp-cell-attr {
  text-align: center;
  width: 24%;
  border-left: 1px solid var(--rule-soft);
  border-right: 1px solid var(--rule-soft);
}
.cmp-attr-label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: var(--ink-soft);
  letter-spacing: 0.02em;
  line-height: 1.3;
}
.cmp-attr-note {
  display: block;
  font-size: 11px;
  color: rgba(44, 58, 85, 0.5);
  margin-top: 3px;
  font-style: italic;
}
.cmp-cell-val {
  position: relative;
}
.cmp-cell-val:first-child { text-align: right; }
.cmp-cell-val:last-child  { text-align: left; }

.cmp-val-text {
  display: block;
  font-size: 14px;
  color: var(--ink);
  line-height: 1.4;
}
.cmp-win {
  background: rgba(176,141,58,0.06);
}
.cmp-win-pip {
  display: inline-block;
  width: 20px; height: 20px;
  background: var(--gold);
  color: white;
  border-radius: 50%;
  font-size: 10px;
  font-weight: 700;
  line-height: 20px;
  text-align: center;
  margin-bottom: 4px;
  vertical-align: middle;
}
.cmp-cell-val:first-child .cmp-win-pip { margin-right: 6px; }
.cmp-cell-val:last-child  .cmp-win-pip { margin-left: 6px; }
.cmp-cell-val.cmp-win .cmp-val-text { font-weight: 600; color: var(--ink); }

/* ── Verdict section ──────────────────────────────────────────── */
.cmp-verdict-sec {
  background: var(--ink);
  padding: 80px 0;
}
.cmp-verdict-card {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
}
.cmp-verdict-eyebrow {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  padding: 6px 16px;
  border: 1px solid rgba(176,141,58,0.3);
  border-radius: 100px;
}
.cmp-verdict-headline {
  font-size: clamp(26px, 3.5vw, 40px);
  color: var(--cream);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 24px;
}
.cmp-verdict-body {
  font-size: 17px;
  color: rgba(250,246,238,0.75);
  line-height: 1.75;
  max-width: 700px;
  margin: 0 auto;
}

/* ── Choose if ────────────────────────────────────────────────── */
.cmp-choose-sec {
  padding: 80px 0;
  background: var(--cream);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.cmp-choose-grid {
  display: grid;
  grid-template-columns: 1fr 1px 1fr;
  gap: 0;
  align-items: start;
}
.cmp-choose-divider {
  background: var(--rule);
  align-self: stretch;
  margin: 0 60px;
}
.cmp-choose-col { padding: 0 20px; }
.cmp-choose-policy-name {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.cmp-choose-head {
  font-size: 24px;
  font-weight: 500;
  letter-spacing: -0.01em;
  margin-bottom: 24px;
  line-height: 1.2;
}
.cmp-choose-list {
  list-style: none;
  padding: 0;
  margin: 0 0 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.cmp-choose-list li {
  font-size: 15px;
  color: var(--ink-soft);
  line-height: 1.55;
  padding-left: 26px;
  position: relative;
}
.cmp-choose-list li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
  font-size: 13px;
  top: 2px;
}
.cmp-choose-link {
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  letter-spacing: 0.01em;
}
.cmp-choose-link:hover { color: var(--ink); }

/* ── CTA section ─────────────────────────────────────────────── */
.cmp-cta-sec {
  background: var(--cream-warm);
  padding: 72px 0;
  border-bottom: 1px solid var(--rule);
}
.cmp-cta-inner {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 80px;
  align-items: center;
}
.cmp-cta-eyebrow {
  display: block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.cmp-cta-headline {
  font-size: clamp(26px, 3vw, 36px);
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin-bottom: 16px;
}
.cmp-cta-sub {
  font-size: 15px;
  color: var(--ink-soft);
  line-height: 1.65;
  max-width: 480px;
}
.cmp-find-form {
  background: white;
  border: 1px solid var(--rule);
  border-radius: 10px;
  padding: 24px;
  box-shadow: 0 2px 8px rgba(26,39,64,0.06);
}

/* ── Related links ───────────────────────────────────────────── */
.cmp-rel-sec {
  padding: 48px 0;
  background: var(--cream);
}
.cmp-rel-head {
  font-size: 18px;
  font-weight: 500;
  letter-spacing: -0.01em;
  margin-bottom: 20px;
  color: var(--ink-soft);
}
.cmp-rel-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.cmp-rel-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--ink);
  text-decoration: none;
  padding: 10px 20px;
  border: 1px solid var(--rule);
  border-radius: 6px;
  background: white;
  transition: border-color 0.15s, background 0.15s;
}
.cmp-rel-link:hover { border-color: var(--gold); background: var(--cream-warm); color: var(--ink); }

/* ── Responsive ──────────────────────────────────────────────── */
@media (max-width: 900px) {
  .cmp-hero-duel { grid-template-columns: 1fr 60px 1fr; }
  .cmp-hero-left { padding-right: 20px; }
  .cmp-hero-right { padding-left: 20px; }
  .cmp-choose-grid { grid-template-columns: 1fr; }
  .cmp-choose-divider { display: none; }
  .cmp-choose-col { padding: 0; border-top: 1px solid var(--rule); padding-top: 40px; margin-top: 40px; }
  .cmp-choose-col:first-child { border-top: none; margin-top: 0; padding-top: 0; }
  .cmp-cta-inner { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 600px) {
  .cmp-hero-duel { grid-template-columns: 1fr 48px 1fr; }
  .cmp-hero-policy-name { font-size: 22px; }
  .cmp-table .cmp-th-attr { display: none; }
  .cmp-cell-attr { display: none; }
  .cmp-table { table-layout: auto; }
  .cmp-th-left, .cmp-th-right { width: 50%; }
}

/* Responsive */
@media (max-width: 900px) {
  .pol-what-grid { grid-template-columns: 1fr; }
  .pol-aside-card { position: static; }
  .pol-who-grid { grid-template-columns: 1fr 1fr; }
  .pol-how-grid { grid-template-columns: 1fr; gap: 36px; }
  .pol-cta-grid { grid-template-columns: 1fr; gap: 40px; }
  .pol-related-inner { grid-template-columns: 1fr; gap: 36px; }
}
@media (max-width: 600px) {
  .pol-who-grid { grid-template-columns: 1fr; }
  .pol-chips { gap: 6px; }
  .pol-chip { font-size: 11px; padding: 5px 10px; }
}

/* ══════════════════════════════════════════════════════════════
   FAQ PAGE  /faq/
   ══════════════════════════════════════════════════════════════ */

.faq-cat-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 28px;
}
.faq-cat-link {
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-soft);
  text-decoration: none;
  padding: 8px 16px;
  border: 1px solid var(--rule);
  border-radius: 100px;
  background: white;
  transition: border-color 0.15s, background 0.15s, color 0.15s;
}
.faq-cat-link:hover { border-color: var(--gold); color: var(--gold); background: var(--cream-warm); }

.faq-layout {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 64px;
  align-items: start;
}
.faq-toc {
  position: sticky;
  top: 88px;
  background: var(--cream-warm);
  border: 1px solid var(--rule);
  border-radius: 8px;
  padding: 20px;
}
.faq-toc-head {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 14px;
}
.faq-toc a {
  display: block;
  font-size: 13px;
  color: var(--ink-soft);
  text-decoration: none;
  padding: 6px 0;
  border-bottom: 1px solid var(--rule-soft);
  transition: color 0.15s;
}
.faq-toc a:last-child { border-bottom: none; }
.faq-toc a:hover { color: var(--gold); }

.faq-body { display: flex; flex-direction: column; gap: 60px; }

.faq-cat-block {}
.faq-cat-head {
  font-size: 28px;
  letter-spacing: -0.015em;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 2px solid var(--gold);
  display: inline-block;
}
.faq-list { display: flex; flex-direction: column; }
.faq-list .faq-item { border-bottom: 1px solid var(--rule); }
.faq-list .faq-item:first-child { border-top: 1px solid var(--rule); }
.faq-list .faq-item summary {
  font-size: 16px;
  font-weight: 600;
  padding: 20px 0;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--ink);
  user-select: none;
  gap: 16px;
}
.faq-list .faq-item summary::-webkit-details-marker { display: none; }
.faq-list .faq-item summary::after {
  content: '+';
  font-family: 'Fraunces', serif;
  font-size: 24px;
  color: var(--gold);
  font-weight: 400;
  line-height: 1;
  flex-shrink: 0;
}
.faq-list .faq-item[open] summary::after { content: '−'; }
.faq-list .faq-item p {
  font-size: 15px;
  color: var(--ink-soft);
  line-height: 1.75;
  padding-bottom: 24px;
  max-width: 680px;
}
.faq-list .faq-item p a { color: var(--gold); }
.faq-list .faq-item p strong { color: var(--ink); }

/* ══════════════════════════════════════════════════════════════
   GLOSSARY PAGE  /glossary/
   ══════════════════════════════════════════════════════════════ */

.gl-letter-bar {
  position: sticky;
  top: 61px;
  z-index: 90;
  background: var(--ink);
  border-bottom: 1px solid rgba(250,246,238,0.1);
  padding: 12px 0;
}
.gl-letter-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 2px;
  align-items: center;
}
.gl-letter-link {
  display: inline-block;
  width: 32px;
  height: 32px;
  line-height: 32px;
  text-align: center;
  font-size: 13px;
  font-weight: 700;
  border-radius: 4px;
  text-decoration: none;
  transition: background 0.12s, color 0.12s;
}
.gl-letter-link--active {
  color: var(--gold-soft);
}
.gl-letter-link--active:hover {
  background: rgba(250,246,238,0.1);
  color: var(--cream);
}
.gl-letter-link--empty {
  color: rgba(250,246,238,0.2);
  cursor: default;
  font-size: 11px;
}

.gl-body { list-style: none; }
.gl-section { margin-bottom: 60px; }
.gl-letter-head {
  font-family: 'Fraunces', serif;
  font-size: 72px;
  font-weight: 500;
  font-style: italic;
  color: var(--gold);
  line-height: 1;
  letter-spacing: -0.03em;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--rule);
}
.gl-terms {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule-soft);
  border-left: 1px solid var(--rule-soft);
}
.gl-term {
  padding: 24px 28px;
  border-right: 1px solid var(--rule-soft);
  border-bottom: 1px solid var(--rule-soft);
  transition: background 0.15s;
}
.gl-term:hover { background: var(--cream-warm); }
.gl-term-name {
  display: block;
  font-size: 17px;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--ink);
  margin-bottom: 10px;
}
.gl-term-def {
  font-size: 14px;
  color: var(--ink-soft);
  line-height: 1.7;
}
.gl-term-def em { font-style: italic; color: var(--ink); }
.gl-term-def a { color: var(--gold); }

@media (max-width: 900px) {
  .faq-layout { grid-template-columns: 1fr; }
  .faq-toc { position: static; }
  .gl-terms { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .gl-letter-head { font-size: 48px; }
  .faq-cat-nav { gap: 6px; }
}

/* ══════════════════════════════════════════════════════════════
   COMPARE — POLICY SWITCHER STRIP
   ══════════════════════════════════════════════════════════════ */

.cmp-switcher-sec {
  background: var(--cream-warm);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  padding: 20px 0;
}
.cmp-switcher-inner {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.cmp-switcher-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  white-space: nowrap;
}
.cmp-switcher-controls {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  flex: 1;
}
.cmp-switcher-sel-wrap { flex: 1; min-width: 160px; max-width: 240px; }
.cmp-switcher-sel-wrap::after { color: var(--ink-soft); }
.cmp-switcher-sel {
  height: 44px;
  background: #fff;
  border: 1.5px solid var(--rule);
  color: var(--ink);
  border-radius: 6px;
  padding: 0 36px 0 14px;
  font-size: 14px;
  font-family: 'Inter', sans-serif;
  appearance: none;
  cursor: pointer;
  width: 100%;
  transition: border-color 0.15s;
}
.cmp-switcher-sel:focus { outline: none; border-color: var(--gold); }
.cmp-switcher-sel option { background: #fff; color: var(--ink); }
.cmp-switcher-vs {
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: 13px;
  color: var(--gold);
  font-weight: 400;
  flex-shrink: 0;
}
.cmp-switcher-btn {
  height: 44px;
  background: var(--gold);
  color: var(--ink);
  border: none;
  border-radius: 6px;
  padding: 0 22px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  white-space: nowrap;
  font-family: 'Inter', sans-serif;
  transition: background 0.15s;
  flex-shrink: 0;
}
.cmp-switcher-btn:hover { background: var(--gold-soft); }
.cmp-switcher-hint {
  font-size: 12px;
  color: var(--rust);
  margin: 0;
  width: 100%;
  min-height: 16px;
}

/* ══════════════════════════════════════════════════════════════
   MATCH ME TOOL  /match/
   ══════════════════════════════════════════════════════════════ */

.mth-hero {
  background: var(--ink);
  color: var(--cream);
  padding: 72px 0 64px;
  border-bottom: 3px solid var(--gold);
}
.mth-hero-inner { max-width: 640px; }
.mth-hero-eyebrow {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  padding: 5px 14px;
  border: 1px solid rgba(176,141,58,0.4);
  border-radius: 100px;
  margin-bottom: 24px;
}
.mth-hero-title {
  font-size: clamp(40px, 5.5vw, 64px);
  color: var(--cream);
  line-height: 1.02;
  letter-spacing: -0.025em;
  margin-bottom: 20px;
}
.mth-hero-title em { font-style: italic; color: var(--gold-soft); font-weight: 400; }
.mth-hero-sub {
  font-size: 18px;
  color: rgba(250,246,238,0.72);
  line-height: 1.55;
  margin-bottom: 28px;
}
.mth-hero-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.mth-hero-pills span {
  font-size: 13px;
  font-weight: 500;
  color: rgba(250,246,238,0.65);
  padding: 6px 14px;
  border: 1px solid rgba(250,246,238,0.15);
  border-radius: 100px;
}

/* ── Tool section ─────────────────────────────────────────────── */
.mth-tool-sec { padding: 60px 0 80px; }
.mth-tool-wrap {
  max-width: 740px;
  margin: 0 auto;
}

/* Progress bar */
.mth-progress-bar {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 44px;
}
.mth-progress-track {
  flex: 1;
  height: 4px;
  background: var(--rule);
  border-radius: 100px;
  overflow: hidden;
}
.mth-progress-fill {
  height: 100%;
  background: var(--gold);
  border-radius: 100px;
  transition: width 0.4s ease;
}
.mth-progress-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--ink-soft);
  white-space: nowrap;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* Steps */
.mth-step { display: none; }
.mth-step.active { display: block; }

.mth-step-head { margin-bottom: 32px; }
.mth-step-num {
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: 48px;
  font-weight: 400;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 12px;
}
.mth-question {
  font-size: clamp(24px, 3vw, 34px);
  letter-spacing: -0.015em;
  line-height: 1.15;
  margin-bottom: 10px;
}
.mth-step-hint { font-size: 14px; color: var(--ink-soft); }

/* Option grids */
.mth-options { display: grid; gap: 12px; margin-bottom: 28px; }
.mth-options--2col { grid-template-columns: 1fr 1fr; }
.mth-options--1col { grid-template-columns: 1fr; }
.mth-options--ages { grid-template-columns: repeat(5, 1fr); }

/* Option cards */
.mth-opt {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 6px;
  padding: 20px 22px;
  background: white;
  border: 2px solid var(--rule);
  border-radius: 10px;
  cursor: pointer;
  text-align: left;
  transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
  font-family: 'Inter', sans-serif;
}
.mth-opt:hover {
  border-color: var(--gold);
  background: var(--cream-warm);
  box-shadow: 0 2px 8px rgba(26,39,64,0.08);
}
.mth-opt.selected {
  border-color: var(--gold);
  background: #fdf8ec;
  box-shadow: 0 0 0 3px rgba(176,141,58,0.12);
}
.mth-opt--wide { grid-column: 1 / -1; flex-direction: row; align-items: center; gap: 14px; }
.mth-opt-icon { font-size: 24px; line-height: 1; }
.mth-opt-label { font-size: 15px; font-weight: 600; color: var(--ink); line-height: 1.2; }
.mth-opt-sub { font-size: 13px; color: var(--ink-soft); line-height: 1.4; }

/* Age options */
.mth-opt--age {
  align-items: center;
  text-align: center;
  padding: 18px 10px;
}
.mth-opt-age-num {
  font-family: 'Fraunces', serif;
  font-size: 20px;
  font-weight: 500;
  color: var(--ink);
  line-height: 1;
  margin-bottom: 4px;
}

/* Back button */
.mth-back {
  font-size: 13px;
  color: var(--ink-soft);
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  font-family: 'Inter', sans-serif;
  transition: color 0.15s;
}
.mth-back:hover { color: var(--ink); }

/* Result card */
.mth-result-wrap {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
}
.mth-result-card {
  background: var(--ink);
  border-radius: 12px;
  padding: 32px 36px;
  border-left: 4px solid var(--gold);
}
.mth-result-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.mth-result-policy {
  font-size: 32px;
  color: var(--cream);
  letter-spacing: -0.02em;
  margin-bottom: 14px;
  line-height: 1.1;
}
.mth-result-why {
  font-size: 15px;
  color: rgba(250,246,238,0.75);
  line-height: 1.65;
  margin-bottom: 20px;
}
.mth-result-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.mth-tag {
  font-size: 12px;
  font-weight: 600;
  color: var(--gold-soft);
  padding: 4px 12px;
  border: 1px solid rgba(212,181,106,0.3);
  border-radius: 100px;
  letter-spacing: 0.02em;
}

/* Contact form */
.mth-contact-form {
  background: var(--cream-warm);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 32px 36px;
}
.mth-contact-head {
  font-size: 24px;
  letter-spacing: -0.01em;
  margin-bottom: 8px;
}
.mth-contact-sub {
  font-size: 14px;
  color: var(--ink-soft);
  margin-bottom: 24px;
  line-height: 1.55;
}
.mth-input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 10px; }
.mth-input {
  width: 100%;
  height: 48px;
  border: 1px solid var(--rule);
  border-radius: 6px;
  padding: 0 14px;
  font-size: 15px;
  font-family: 'Inter', sans-serif;
  background: white;
  color: var(--ink);
  outline: none;
  transition: border-color 0.15s;
  margin-bottom: 10px;
  display: block;
}
.mth-input:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(176,141,58,0.08); }
.mth-location-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 10px; }
.mth-select {
  width: 100%;
  height: 48px;
  border: 1px solid var(--rule);
  border-radius: 6px;
  padding: 0 36px 0 14px;
  font-size: 15px;
  font-family: 'Inter', sans-serif;
  background: white;
  color: var(--ink);
  appearance: none;
  outline: none;
  cursor: pointer;
  transition: border-color 0.15s;
}
.mth-select:focus { border-color: var(--gold); }
.mth-submit {
  width: 100%;
  height: 52px;
  background: var(--ink);
  color: var(--cream);
  border: none;
  border-radius: 6px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  transition: background 0.15s;
  margin-top: 6px;
}
.mth-submit:hover { background: #0f1a2f; }
.mth-privacy {
  font-size: 12px;
  color: var(--ink-soft);
  margin-top: 14px;
  line-height: 1.55;
}
.mth-privacy a { color: var(--gold); }

/* Success screen */
.mth-success {
  text-align: center;
  padding: 60px 20px;
}
.mth-success-mark {
  width: 64px; height: 64px;
  background: var(--green);
  color: white;
  border-radius: 50%;
  font-size: 28px;
  font-weight: 700;
  display: grid;
  place-items: center;
  margin: 0 auto 24px;
}
.mth-success-head { font-size: 36px; margin-bottom: 16px; letter-spacing: -0.02em; }
.mth-success-body { font-size: 18px; color: var(--ink-soft); margin-bottom: 10px; line-height: 1.55; }
.mth-success-sub { font-size: 15px; color: var(--ink-soft); margin-bottom: 32px; }
.mth-success-link { font-size: 14px; color: var(--gold); font-weight: 600; text-decoration: none; }

/* How it works strip */
.mth-how-sec {
  background: var(--ink);
  padding: 60px 0;
  border-top: 1px solid rgba(250,246,238,0.1);
}
.mth-how-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; }
.mth-how-item { border-left: 1px solid rgba(250,246,238,0.12); padding-left: 28px; }
.mth-how-num {
  font-size: 48px;
  font-weight: 500;
  font-style: italic;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 14px;
}
.mth-how-item h4 {
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 500;
  color: var(--cream);
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}
.mth-how-item p { font-size: 14px; color: rgba(250,246,238,0.65); line-height: 1.6; }

/* ══════════════════════════════════════════════════════════════
   PREMIUM CALCULATOR  /calculator/
   ══════════════════════════════════════════════════════════════ */

.calc-hero {
  background: var(--ink);
  color: var(--cream);
  padding: 64px 0 56px;
  border-bottom: 3px solid var(--gold);
}
.calc-hero-title {
  font-size: clamp(40px, 5.5vw, 64px);
  color: var(--cream);
  line-height: 1.02;
  letter-spacing: -0.025em;
  margin-bottom: 14px;
}
.calc-hero-sub { font-size: 17px; color: rgba(250,246,238,0.7); max-width: 520px; line-height: 1.55; }

.calc-tool-sec { padding: 60px 0; }
.calc-tool-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 56px;
  align-items: start;
}

/* Inputs column */
.calc-inputs-col {}
.calc-col-head { font-size: 22px; letter-spacing: -0.01em; margin-bottom: 32px; color: var(--ink-soft); }
.calc-field { margin-bottom: 28px; }
.calc-label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 12px;
}

/* Slider */
.calc-slider-wrap { display: flex; flex-direction: column; gap: 8px; }
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 100px;
  background: var(--rule);
  outline: none;
  cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 1px 4px rgba(26,39,64,0.2);
}
.calc-slider-val {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.01em;
}

/* Toggle row */
.calc-toggle-row { display: flex; gap: 8px; }
.calc-toggle {
  flex: 1;
  height: 44px;
  border: 2px solid var(--rule);
  border-radius: 6px;
  background: white;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-soft);
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  transition: border-color 0.15s, background 0.15s, color 0.15s;
}
.calc-toggle:hover { border-color: var(--gold); color: var(--ink); }
.calc-toggle.selected { border-color: var(--gold); background: #fdf8ec; color: var(--ink); }

/* Policy type grid */
.calc-type-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.calc-type {
  display: flex;
  flex-direction: column;
  padding: 14px 16px;
  border: 2px solid var(--rule);
  border-radius: 8px;
  background: white;
  cursor: pointer;
  text-align: left;
  font-family: 'Inter', sans-serif;
  transition: border-color 0.15s, background 0.15s;
}
.calc-type:hover { border-color: var(--gold); background: var(--cream-warm); }
.calc-type.selected { border-color: var(--gold); background: #fdf8ec; }
.calc-type-name { font-size: 14px; font-weight: 700; color: var(--ink); margin-bottom: 2px; }
.calc-type-sub { font-size: 12px; color: var(--ink-soft); }

/* Coverage grid */
.calc-coverage-grid { display: flex; flex-wrap: wrap; gap: 8px; }
.calc-cov {
  height: 40px;
  padding: 0 16px;
  border: 2px solid var(--rule);
  border-radius: 6px;
  background: white;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-soft);
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  transition: border-color 0.15s, background 0.15s, color 0.15s;
}
.calc-cov:hover { border-color: var(--gold); color: var(--ink); }
.calc-cov.selected { border-color: var(--gold); background: #fdf8ec; color: var(--ink); }

/* Result column */
.calc-result-col { position: sticky; top: 80px; display: flex; flex-direction: column; gap: 20px; }
.calc-result-card {
  background: var(--ink);
  border-radius: 12px;
  padding: 32px 32px 28px;
  border-top: 4px solid var(--gold);
}
.calc-result-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.calc-result-range {
  display: flex;
  align-items: baseline;
  gap: 4px;
  margin-bottom: 10px;
  flex-wrap: wrap;
}
.calc-result-num {
  font-family: 'Fraunces', serif;
  font-size: 52px;
  font-weight: 500;
  color: var(--cream);
  letter-spacing: -0.03em;
  line-height: 1;
}
.calc-result-dash { font-size: 28px; color: var(--gold-soft); margin: 0 4px; }
.calc-result-unit { font-size: 18px; color: rgba(250,246,238,0.5); margin-left: 2px; }
.calc-result-summary {
  font-size: 13px;
  color: rgba(250,246,238,0.5);
  margin-bottom: 16px;
  line-height: 1.5;
}
.calc-result-disclaimer {
  font-size: 11px;
  color: rgba(250,246,238,0.35);
  line-height: 1.65;
  border-top: 1px solid rgba(250,246,238,0.1);
  padding-top: 14px;
}
.calc-result-health-note {
  display: none;
  margin-top: 12px;
  font-size: 12px;
  color: var(--gold-soft);
  background: rgba(176,141,58,0.1);
  border-radius: 4px;
  padding: 10px 12px;
  line-height: 1.5;
}

/* Lead card */
.calc-lead-card {
  background: var(--cream-warm);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 28px 32px;
}
.calc-lead-head { font-size: 20px; letter-spacing: -0.01em; margin-bottom: 8px; }
.calc-lead-sub { font-size: 13px; color: var(--ink-soft); margin-bottom: 20px; line-height: 1.55; }
.calc-lead-success { text-align: center; padding: 12px 0 4px; }
.calc-lead-success strong { display: block; font-size: 15px; margin-bottom: 6px; color: var(--green); }
.calc-lead-success p { font-size: 13px; color: var(--ink-soft); line-height: 1.55; }

/* ── Responsive ─────────────────────────────────────────────────── */
@media (max-width: 900px) {
  .mth-options--2col { grid-template-columns: 1fr; }
  .mth-options--ages { grid-template-columns: repeat(3, 1fr); }
  .mth-how-grid { grid-template-columns: 1fr; gap: 32px; }
  .calc-tool-grid { grid-template-columns: 1fr; }
  .calc-result-col { position: static; }
  .cmp-switcher-inner { flex-direction: column; align-items: flex-start; }
  .cmp-switcher-controls { width: 100%; }
  .cmp-switcher-sel-wrap { max-width: none; }
}
@media (max-width: 600px) {
  .mth-options--ages { grid-template-columns: repeat(2, 1fr); }
  .mth-input-row { grid-template-columns: 1fr; }
  .mth-location-row { grid-template-columns: 1fr; }
  .calc-type-grid { grid-template-columns: 1fr; }
  .calc-result-num { font-size: 40px; }
}

/* ── Geo auto-fill badge ─────────────────────────────────────── */
.geo-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 8px;
  padding: 7px 12px;
  background: rgba(176,141,58,0.10);
  border: 1px solid rgba(176,141,58,0.25);
  border-radius: 6px;
  font-size: 13px;
  color: var(--ink);
  line-height: 1.4;
}
.geo-badge-icon { font-size: 14px; flex-shrink: 0; }
.geo-badge-text { flex: 1; font-weight: 500; }
.geo-badge-change {
  background: none;
  border: none;
  color: var(--gold);
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  padding: 0;
  white-space: nowrap;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.geo-badge-change:hover { color: var(--gold-soft); }

/* ── Agent Apply Form ────────────────────────────────────────── */
.apply-field { display: flex; flex-direction: column; gap: 6px; }
.apply-label { font-size: 13px; font-weight: 600; color: var(--ink); letter-spacing: 0.01em; }
.apply-req { color: var(--gold); }
.apply-input {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--rule);
  border-radius: 6px;
  font-size: 15px;
  color: var(--ink);
  background: #fff;
  font-family: 'Inter', sans-serif;
  transition: border-color 0.15s;
  box-sizing: border-box;
}
.apply-input:focus { outline: none; border-color: var(--gold); }
.apply-select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231a2740' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; cursor: pointer; }
.apply-textarea { resize: vertical; min-height: 100px; }
.apply-check-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: var(--ink);
  background: var(--cream-warm);
  border: 1.5px solid var(--rule);
  border-radius: 6px;
  padding: 8px 14px;
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
  user-select: none;
}
.apply-check-label:hover { border-color: var(--gold); }
.apply-check-label input:checked + span { color: var(--ink); font-weight: 600; }
.apply-check-label:has(input:checked) { border-color: var(--gold); background: rgba(176,141,58,0.07); }
.apply-check { accent-color: var(--gold); width: 15px; height: 15px; flex-shrink: 0; }
.apply-submit {
  width: 100%;
  padding: 16px;
  background: var(--ink);
  color: var(--cream);
  font-family: 'Fraunces', serif;
  font-size: 17px;
  font-weight: 600;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  letter-spacing: -0.01em;
  transition: background 0.15s, opacity 0.15s;
}
.apply-submit:hover { background: #243558; }
.apply-submit:disabled { opacity: 0.6; cursor: not-allowed; }
@media (max-width: 640px) {
  #apply-form > div[style*="grid-template-columns:1fr 1fr"] { grid-template-columns: 1fr !important; }
}