:root{--blue:#116b9b;--blue2:#0a527c;--navy:#17364d;--ink:#243744;--muted:#63747f;--sky:#eef7fb;--orange:#df742e;--line:#dce7ed;--white:#fff;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,"Helvetica Neue",sans-serif;font-size:18px;line-height:1.6;background:#fff}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:10px;z-index:99}.topbar{background:var(--navy);color:#fff;font-size:14px}.topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between}.topbar a{color:#fff;margin-left:24px}.site-header{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line);box-shadow:0 3px 14px rgba(25,55,73,.06)}.nav-wrap{height:88px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand img{width:295px;max-width:100%;max-height:72px;height:auto;object-fit:contain;display:block}.site-header nav{display:flex;align-items:center;gap:23px;font-size:15px;font-weight:700}.site-header nav>a{color:var(--ink)}.nav-cta{background:var(--orange);color:#fff!important;padding:11px 16px;border-radius:8px}.menu{display:none}.hero{background:linear-gradient(110deg,#f2f9fc 0%,#fff 65%);padding:78px 0 72px;border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.45fr .8fr;gap:70px;align-items:center}.eyebrow{font-size:13px;letter-spacing:1.8px;font-weight:800;color:var(--orange)}h1,h2,h3{font-family:Georgia,serif;color:var(--navy);line-height:1.14;margin-top:0}h1{font-size:52px;margin:15px 0 20px;letter-spacing:-1px}h1 em{font-style:normal;color:var(--blue)}h2{font-size:38px;margin:10px 0 16px}h3{font-size:24px;margin:10px 0}.lead{font-size:21px;color:#506570;max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 20px}.btn{display:inline-block;padding:14px 21px;border-radius:8px;font-weight:800;text-align:center}.btn:hover{text-decoration:none;transform:translateY(-1px)}.primary{background:var(--blue);color:#fff}.secondary{background:#fff;color:var(--blue);border:2px solid var(--blue)}.full{display:block}.phone-line{font-size:16px}.hero-card{background:var(--navy);padding:12px;border-radius:18px;box-shadow:0 18px 45px rgba(24,54,77,.18);transform:rotate(1deg)}.hero-card-inner{background:#fff;padding:35px;border-radius:11px;transform:rotate(-1deg)}.small-label{font-size:12px;font-weight:800;letter-spacing:1.5px;color:var(--orange)}.hero-card h2{font-size:29px;margin-top:8px}.text-link{display:inline-block;margin-top:18px;font-weight:700}.choice,.trust,.appointments,.quote,.more{padding:76px 0}.section-head{text-align:center;max-width:760px;margin:0 auto 38px}.section-head p{color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.service-card{display:block;border:1px solid var(--line);border-radius:14px;padding:28px 24px;color:var(--ink);box-shadow:0 5px 20px rgba(20,65,90,.05);transition:.2s}.service-card:hover{text-decoration:none;transform:translateY(-4px);box-shadow:0 12px 28px rgba(20,65,90,.1)}.service-card p{font-size:16px;color:var(--muted);min-height:105px}.service-card span{font-weight:800;color:var(--blue);font-size:15px}.icon{width:48px;height:48px;border-radius:50%;background:var(--sky);color:var(--blue);display:grid;place-items:center;font-weight:800;font-size:17px}.trust{background:var(--sky)}.trust-grid{display:grid;grid-template-columns:1.2fr .75fr;gap:70px;align-items:center}.checks{display:grid;grid-template-columns:1fr 1fr;margin:24px 0}.checks p{margin:7px 0;font-weight:700}.portrait img{width:100%;display:block;border-radius:18px;box-shadow:0 15px 35px rgba(20,60,80,.16)}.strong{font-size:17px}.appointments{background:var(--navy);color:#fff}.appointments h2,.appointments .section-head p{color:#fff}.light{color:#ffad73}.appointment-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;max-width:900px;margin:auto}.appointment-grid a{background:#fff;padding:22px 25px;border-radius:10px;display:flex;flex-direction:column;color:var(--navy)}.appointment-grid a:hover{text-decoration:none}.appointment-grid span{font-size:15px;color:var(--blue);margin-top:4px}.quote{background:#fff}.quote-grid{display:flex;align-items:center;justify-content:space-between;gap:40px;border:1px solid var(--line);border-radius:15px;padding:38px}.quote-grid>div{max-width:700px}.more{padding-top:30px}.links{display:flex;justify-content:center;flex-wrap:wrap;gap:10px}.links a{padding:10px 15px;background:var(--sky);border-radius:7px;font-weight:700;font-size:15px}footer{background:#102c3e;color:#d9e5eb;padding:55px 0 110px;font-size:15px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}.footer-grid img{width:260px;background:#fff;padding:6px;border-radius:5px}.footer-grid a,.footer-grid strong{display:block;color:#fff;margin:5px 0}.fine{border-top:1px solid rgba(255,255,255,.14);margin-top:35px;padding-top:20px;color:#adc1cc;font-size:12px}.mobile-call{display:none}
@media(max-width:950px){.topbar-inner>span{display:none}.topbar-inner{justify-content:center}.nav-wrap{height:auto;min-height:78px;flex-wrap:wrap;padding:12px 0}.brand img{width:250px;max-height:66px}.menu{display:block;background:var(--navy);color:#fff;border:0;border-radius:7px;padding:10px 15px;font-weight:800}.site-header nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:0;padding:8px 0 15px}.site-header nav.open{display:flex}.site-header nav>a{padding:12px;border-top:1px solid var(--line)}.hero{padding:52px 0}.hero-grid,.trust-grid{grid-template-columns:1fr;gap:35px}.hero-card{max-width:550px}.cards{grid-template-columns:1fr 1fr}h1{font-size:43px}.portrait{max-width:480px}.service-card p{min-height:auto}}
@media(max-width:620px){body{font-size:17px}.wrap{width:min(100% - 28px,var(--max))}.topbar{display:none}.brand img{width:225px;max-height:60px}.hero{padding:38px 0}.hero-grid{gap:25px}h1{font-size:36px}.lead{font-size:19px}.hero-actions .btn{width:100%}.hero-card-inner{padding:26px}.choice,.trust,.appointments,.quote,.more{padding:52px 0}.cards,.appointment-grid,.checks,.footer-grid{grid-template-columns:1fr}.section-head{text-align:left}.quote-grid{display:block;padding:25px}.quote-grid .btn{margin-top:15px;width:100%}.mobile-call{display:block;position:fixed;bottom:0;left:0;right:0;background:var(--orange);color:#fff;text-align:center;padding:14px;font-weight:800;z-index:50;box-shadow:0 -3px 12px rgba(0,0,0,.15)}footer{padding-bottom:90px}}
/* Phase 2 interior pages */
.page-hero{background:linear-gradient(115deg,#eef7fb 0%,#fff 72%);padding:62px 0 58px;border-bottom:1px solid var(--line)}.page-hero-grid{display:grid;grid-template-columns:1.3fr .75fr;gap:55px;align-items:center}.page-hero h1{font-size:48px}.page-hero .lead{max-width:760px}.action-box{background:#fff;border:1px solid var(--line);border-top:5px solid var(--orange);border-radius:14px;padding:28px;box-shadow:0 12px 32px rgba(20,65,90,.1)}.action-box h2{font-size:27px}.action-box .btn{margin-top:8px}.mini{font-size:14px;color:var(--muted)}.path-section,.compare,.steps,.faq-simple,.help-strip{padding:68px 0}.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.path-card{border:1px solid var(--line);border-radius:14px;padding:27px;background:#fff}.path-card p{color:var(--muted);font-size:16px}.path-card .num{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--sky);font-weight:800;color:var(--blue)}.compare{background:var(--sky)}.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.compare-card{background:#fff;border-radius:15px;padding:32px;border:1px solid var(--line)}.compare-card ul{padding-left:22px}.compare-card li{margin:9px 0}.note{margin-top:22px;padding:18px 20px;border-left:4px solid var(--orange);background:#fff8f3;border-radius:4px;font-size:15px}.step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;text-align:center}.step-num{margin:auto;width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:800}.faq-list{max-width:850px;margin:auto}.faq-item{border-bottom:1px solid var(--line);padding:20px 0}.faq-item h3{font-family:Arial,sans-serif;font-size:19px;margin-bottom:6px}.faq-item p{margin:0;color:var(--muted)}.help-strip{background:var(--navy);color:#fff;text-align:center}.help-strip h2{color:#fff}.help-strip p{max-width:700px;margin:0 auto 25px;color:#d9e5eb}.help-strip .btn{margin:5px}.subnav{background:#fff;border-bottom:1px solid var(--line)}.subnav .wrap{display:flex;gap:8px;overflow:auto;padding-top:10px;padding-bottom:10px}.subnav a{white-space:nowrap;padding:7px 11px;border-radius:6px;font-size:14px;font-weight:700}.subnav a:hover{background:var(--sky);text-decoration:none}.quote-panel{background:var(--sky);border-radius:16px;padding:35px;display:grid;grid-template-columns:1.2fr .7fr;gap:30px;align-items:center}.quote-panel h2{margin-bottom:8px}.quote-panel .btn{width:100%;margin:5px 0}.disclaimer{font-size:12px;color:#75858e;line-height:1.45;margin-top:25px}
@media(max-width:850px){.page-hero-grid,.compare-grid,.quote-panel{grid-template-columns:1fr}.path-grid,.step-grid{grid-template-columns:1fr}.page-hero h1{font-size:39px}.page-hero{padding:44px 0}.path-section,.compare,.steps,.faq-simple,.help-strip{padding:50px 0}}
/* Phase 3 */
.intake-box{background:#eef7ff;border:2px solid #0f75bd;border-radius:18px;padding:26px;margin-top:28px}.intake-box h2{margin-top:0}.intake-box .btn{margin-right:10px;margin-bottom:8px}.about-grid,.contact-grid,.schedule-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center}.about-photo img{width:100%;border-radius:22px;display:block}.contact-card,.schedule-card,.value-card{background:#fff;border:1px solid #dfe7ee;border-radius:18px;padding:26px;box-shadow:0 8px 24px rgba(30,55,75,.06)}.contact-form{display:grid;gap:14px}.contact-form label{font-weight:700}.contact-form input,.contact-form textarea{width:100%;box-sizing:border-box;padding:13px 14px;border:1px solid #b8c6d1;border-radius:10px;font:inherit}.contact-form textarea{min-height:140px;resize:vertical}.schedule-grid{grid-template-columns:repeat(2,1fr);align-items:stretch}.schedule-card{display:flex;flex-direction:column}.schedule-card .btn{margin-top:auto}.values{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.center{text-align:center}@media(max-width:800px){.about-grid,.contact-grid,.schedule-grid,.values{grid-template-columns:1fr}.intake-box .btn{display:block;margin-right:0}}

/* Local-agent homepage: prominent portrait and friendly welcome */
.local-hero{padding:58px 0 64px;background:linear-gradient(120deg,#fff8f1,#f0f8fc 75%)}
.local-hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.local-hero h1{font-size:clamp(35px,3.6vw,53px)}
.local-hero .lead{font-size:20px}
.local-experience{background:#fff;border-left:5px solid var(--orange);padding:14px 18px;border-radius:8px;font-size:18px;box-shadow:0 5px 20px rgba(0,0,0,.04)}
.local-photo{overflow:hidden;background:#fff;border-radius:20px;box-shadow:0 18px 45px rgba(20,60,80,.17)}
.local-photo img{width:100%;height:auto;display:block;aspect-ratio:1.12;object-fit:cover;object-position:center 30%}
.local-photo-caption{padding:14px 20px;display:flex;gap:6px;flex-wrap:wrap;justify-content:space-between;align-items:center;font-size:15px}
.local-photo-caption strong{color:var(--navy);font-size:19px}
.local-photo-caption span{color:var(--muted)}
@media(max-width:950px){.local-hero-grid{grid-template-columns:1fr;gap:28px}.local-photo{max-width:650px}.local-hero{padding:36px 0}}
@media(max-width:620px){.local-hero h1{font-size:36px}.local-photo img{aspect-ratio:1.18}.local-photo-caption{display:block}.local-photo-caption span{display:block}}

/* Friendly staff photos: four separate interior pages */
.personal-photo-feature{padding:44px 0;background:linear-gradient(110deg,#f1f8fc,#fff)}
.personal-photo-feature:nth-of-type(even){background:#fff9f3}
.personal-photo-inner{display:grid;grid-template-columns:1fr 0.75fr;align-items:center;gap:35px;min-height:290px}
.personal-photo-copy{max-width:650px}
.personal-photo-copy p{font-size:19px;color:var(--muted)}
.personal-photo-inner img{display:block;width:100%;max-height:350px;object-fit:contain;object-position:center bottom}
.personal-photo-feature.left .personal-photo-copy{order:2}
.personal-photo-feature.left img{order:1}
@media(max-width:700px){.personal-photo-inner{grid-template-columns:1fr;gap:12px}.personal-photo-feature.left .personal-photo-copy,.personal-photo-feature.left img{order:initial}.personal-photo-inner img{max-height:280px}.personal-photo-feature{padding:36px 0}}

.plan-table{width:100%;border-collapse:collapse;background:white;margin:18px 0 24px;min-width:580px}
.plan-table th,.plan-table td{padding:16px;border:1px solid #d8e3e8;text-align:left;vertical-align:middle}
.plan-table th{background:#eaf4f8;color:#193c4e}