/* AL Risk Solutions: site styles */
:root{
  --navy-950:#07111D; --navy-900:#0B1B2E; --navy-800:#12283F; --navy-700:#1D3A5A;
  --steel:#5A7088; --steel-300:#9FB0C2; --steel-200:#C6D1DC; --mist:#F2F4F6; --paper:#F7F7F5; --white:#fff;
  --ink:#151B22; --ink-2:#36414D; --ink-3:#5B6774; --line:#D9DEE3; --line-dark:rgba(255,255,255,.14);
  --accent:#5F8F98; --accent-600:#46727B; --accent-50:#ECF3F4;
  --header-h:76px; --util-h:0px;
  --serif:"Source Serif 4","Georgia","Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
@media(min-width:1080px){:root{--util-h:36px}}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 16px);-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--white);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
body.menu-open{overflow:hidden}
img,svg,video{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3,h4{margin:0 0 .5em;color:var(--navy-900)}
h1,h2{font-family:var(--serif);font-weight:600;letter-spacing:-.022em;line-height:1.06}
h3,h4{font-family:var(--sans);font-weight:650;letter-spacing:-.01em;line-height:1.3}
p{margin:0 0 1em}
.container{width:100%;max-width:1240px;margin:0 auto;padding:0 20px}
@media(min-width:768px){.container{padding:0 36px}}
.skip{position:absolute;left:-9999px;top:8px;background:var(--accent);color:#fff;padding:10px 14px;z-index:300}
.skip:focus{left:12px}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.ico{width:20px;height:20px;flex:none}

/* placeholders: details the owner must confirm */
.ph{background:#FFF0A6;color:#5A4300!important;outline:1px dashed #B99300;outline-offset:1px;padding:0 .25em;font-weight:600;box-decoration-break:clone;-webkit-box-decoration-break:clone}

/* type helpers */
.eyebrow{display:flex;align-items:center;gap:12px;font-size:12px;font-weight:650;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);margin-bottom:22px}
.eyebrow .num{color:var(--accent-600);font-variant-numeric:tabular-nums}
.eyebrow .rule{flex:0 0 40px;height:1px;background:currentColor;opacity:.5}
.on-dark .eyebrow{color:var(--steel-300)}
.on-dark .eyebrow .num{color:#8DB7BE}
.display{font-size:clamp(34px,5.4vw,58px)}
.h2{font-size:clamp(30px,4.4vw,48px)}
.lead{font-size:clamp(17px,1.6vw,19.5px);color:var(--ink-2);line-height:1.6}
.on-dark{color:#D5DEE7}
.on-dark h2,.on-dark h3{color:#fff}
.on-dark .lead{color:#C6D1DC}
.muted{color:var(--ink-3)}
.small{font-size:14px}

/* buttons & links */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--sans);font-weight:650;font-size:15px;letter-spacing:.005em;line-height:1;padding:16px 22px;border-radius:2px;border:1px solid transparent;text-decoration:none;cursor:pointer;transition:background .25s,color .25s,border-color .25s;white-space:nowrap}
.btn .arr{transition:transform .3s var(--ease)}
.btn:hover .arr{transform:translateX(3px)}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-600)}
.btn-dark{background:var(--navy-900);color:#fff}
.btn-dark:hover{background:var(--navy-700)}
.btn-line{border-color:rgba(255,255,255,.6);color:#fff}
.btn-line:hover{background:#fff;color:var(--navy-900)}
.btn-line-dark{border-color:var(--navy-900);color:var(--navy-900)}
.btn-line-dark:hover{background:var(--navy-900);color:#fff}
.btn-block{width:100%}
.tlink{display:inline-flex;align-items:center;gap:8px;font-weight:650;color:var(--navy-900);text-decoration:none;border-bottom:1px solid var(--accent);padding-bottom:2px}
.tlink:hover{color:var(--accent-600)}
.on-dark .tlink{color:#fff}

/* utility bar + header */
.site-header{position:fixed;inset:0 0 auto 0;z-index:60}
.utilbar{display:none;height:var(--util-h);background:var(--navy-950);color:var(--steel-300);font-size:12.5px}
@media(min-width:1080px){.utilbar{display:block}}
.utilbar .container{height:100%;display:flex;align-items:center;justify-content:space-between}
.utilbar a{text-decoration:none;color:#DCE4EC}
.utilbar a:hover{color:#fff}
.utilbar .u-links{display:flex;gap:22px;align-items:center}
.utilbar .u-links > span{width:1px;height:12px;background:var(--line-dark)}
.mainbar{position:relative;height:var(--header-h);border-bottom:1px solid transparent;transition:border-color .3s}
.mainbar::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(7,17,29,.55),rgba(7,17,29,0));transition:background .35s,opacity .35s}
.site-header.solid .mainbar{border-bottom-color:var(--line)}
.site-header.solid .mainbar::before{background:rgba(255,255,255,.94);-webkit-backdrop-filter:saturate(150%) blur(12px);backdrop-filter:saturate(150%) blur(12px)}
.mainbar .container{height:100%;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff;flex:none}
.brand svg{width:40px;height:40px}
.brand-word{display:flex;flex-direction:column;line-height:1}
.brand-word b{font-family:var(--sans);font-weight:800;font-size:18px;letter-spacing:.06em}
.brand-word small{font-weight:600;font-size:9.5px;letter-spacing:.42em;color:var(--accent);margin-top:5px}
.solid .brand{color:var(--navy-900)}
.nav{display:none;height:100%}
.nav > ul{list-style:none;margin:0;padding:0;display:flex;height:100%;align-items:stretch}
.nav > ul > li{position:static;display:flex}
.nav-top{display:flex;align-items:center;gap:6px;padding:0 15px;background:none;border:0;font:inherit;font-size:15px;font-weight:550;color:rgba(255,255,255,.92);cursor:pointer;text-decoration:none;position:relative}
.nav-top::after{content:"";position:absolute;left:15px;right:15px;bottom:-1px;height:2px;background:var(--accent);transform:scaleX(0);transition:transform .3s var(--ease)}
.nav-top:hover::after,.has-mega.open .nav-top::after{transform:scaleX(1)}
.nav-top .chev{width:10px;height:10px;transition:transform .25s}
.has-mega.open .chev{transform:rotate(180deg)}
.solid .nav-top{color:var(--ink-2)}
.header-actions{display:flex;align-items:center;gap:12px}
.header-actions .btn{padding:12px 18px;font-size:14.5px}
.header-actions .btn-quote{display:none}
@media(min-width:560px){.header-actions .btn-quote{display:inline-flex}}
.menu-toggle{width:46px;height:46px;border:1px solid rgba(255,255,255,.45);background:transparent;color:#fff;display:inline-flex;align-items:center;justify-content:center;cursor:pointer;border-radius:2px}
.solid .menu-toggle{border-color:var(--line);color:var(--navy-900)}
.menu-toggle span{position:relative;width:20px;height:1.5px;background:currentColor}
.menu-toggle span::before,.menu-toggle span::after{content:"";position:absolute;left:0;width:20px;height:1.5px;background:currentColor}
.menu-toggle span::before{top:-6px}.menu-toggle span::after{top:6px}
@media(min-width:1080px){.nav{display:block}.menu-toggle{display:none}}

/* mega menu */
.mega{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);box-shadow:0 30px 50px -30px rgba(7,17,29,.35);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .25s var(--ease),transform .25s var(--ease),visibility 0s linear .25s}
.has-mega.open .mega{opacity:1;visibility:visible;transform:none;transition:opacity .25s var(--ease),transform .25s var(--ease)}
.mega .container{display:grid;grid-template-columns:repeat(3,1fr) 1.15fr;gap:40px;padding-top:34px;padding-bottom:38px}
.mega h4{font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);font-weight:650;margin:0 0 14px;padding-bottom:10px;border-bottom:1px solid var(--line)}
.mega ul{list-style:none;padding:0;margin:0;display:grid;gap:2px}
.mega a{display:block;text-decoration:none;color:var(--ink);font-size:15px;padding:6px 0}
.mega a:hover{color:var(--accent-600)}
.mega .feature{background:var(--navy-900);color:#D5DEE7;padding:24px;display:flex;flex-direction:column;justify-content:space-between;min-height:200px;background-size:cover;background-position:center;position:relative;isolation:isolate}
.mega .feature::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,17,29,.35),rgba(7,17,29,.92));z-index:-1}
.mega .feature b{display:block;font-family:var(--serif);font-weight:600;font-size:22px;color:#fff;line-height:1.2;margin-bottom:8px}
.mega .feature p{font-size:14px;margin:0 0 14px}
.mega .feature a{color:#fff;font-weight:650;padding:0}
.mega.cols-2 .container{grid-template-columns:1fr 1fr 1.15fr}

/* mobile menu: sibling of header so no ancestor filter can clip it */
.mobile-menu{position:fixed;inset:0;z-index:100;background:var(--navy-950);color:#fff;display:flex;flex-direction:column;padding:0 22px calc(22px + env(safe-area-inset-bottom));visibility:hidden;opacity:0;transition:opacity .3s var(--ease),visibility 0s linear .3s;overflow-y:auto;overscroll-behavior:contain}
.mobile-menu.open{visibility:visible;opacity:1;transition:opacity .3s var(--ease)}
.mm-top{height:var(--header-h);display:flex;align-items:center;justify-content:space-between;flex:none;border-bottom:1px solid var(--line-dark)}
.menu-close{width:46px;height:46px;border:1px solid rgba(255,255,255,.3);background:transparent;color:#fff;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;border-radius:2px}
.menu-close svg{width:18px;height:18px}
.mm-nav{margin-top:8px}
.mm-nav details{border-bottom:1px solid var(--line-dark)}
.mm-nav summary,.mm-nav > a{list-style:none;display:flex;justify-content:space-between;align-items:center;padding:18px 0;font-family:var(--serif);font-weight:600;font-size:25px;color:#fff;text-decoration:none;cursor:pointer}
.mm-nav > a{border-bottom:1px solid var(--line-dark)}
.mm-nav summary::-webkit-details-marker{display:none}
.mm-nav summary::after{content:"+";font-family:var(--sans);font-weight:300;font-size:26px;color:#8DB7BE}
.mm-nav details[open] summary::after{content:"–"}
.mm-nav details ul{list-style:none;margin:0 0 16px;padding:0;display:grid;gap:2px}
.mm-nav details a{display:block;color:#C6D1DC;text-decoration:none;padding:8px 0;font-size:16px}
.mm-actions{margin-top:auto;padding-top:26px;display:grid;gap:10px}
.mm-meta{margin-top:16px;color:var(--steel-300);font-size:13.5px;line-height:1.6}

/* hero */
.hero{position:relative;min-height:100vh;display:flex;flex-direction:column;justify-content:flex-end;color:#fff;overflow:hidden;background:var(--navy-950) url("../img/yard-sm.webp") center/cover no-repeat}
@supports(min-height:100svh){.hero{min-height:100svh}}
@media(min-width:800px){.hero{background-image:url("../img/yard.webp")}}
.hero-media{position:absolute;inset:0;z-index:0}
.hero-media video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transition:opacity 1.6s ease}
.hero-media video.ready{opacity:1}
.hero::after{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgba(7,17,29,.35) 0%,rgba(7,17,29,.15) 30%,rgba(7,17,29,.7) 70%,rgba(7,17,29,.95) 100%),linear-gradient(90deg,rgba(7,17,29,.6) 0%,rgba(7,17,29,0) 65%)}
.hero-content{position:relative;z-index:2;padding-top:calc(var(--header-h) + var(--util-h) + 48px);padding-bottom:40px}
.hero .eyebrow{color:#DCE4EC}
.hero .eyebrow .rule{background:#8DB7BE;opacity:1}
.hero h1{color:#fff;font-size:clamp(40px,7.4vw,84px);max-width:13ch;margin:0 0 22px;line-height:1.02}
.hero-lead{font-size:clamp(17px,1.7vw,20px);color:rgba(255,255,255,.86);max-width:56ch;margin-bottom:32px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.hero-actions .btn{flex:1 1 200px}
@media(min-width:560px){.hero-actions .btn{flex:0 0 auto}}
.quickbar{position:relative;z-index:2;border-top:1px solid rgba(255,255,255,.18);background:rgba(7,17,29,.55)}
.quickbar ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr}
.quickbar li + li{border-top:1px solid rgba(255,255,255,.12)}
.quickbar a{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:17px 0;text-decoration:none;color:#fff}
.quickbar a small{display:block;color:var(--steel-300);font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;font-weight:600}
.quickbar a b{font-weight:600;font-size:16px}
.quickbar .arr{color:#8DB7BE;transition:transform .3s var(--ease)}
.quickbar a:hover .arr{transform:translateX(4px)}
@media(min-width:820px){.quickbar ul{grid-template-columns:repeat(3,1fr)}.quickbar li + li{border-top:0;border-left:1px solid rgba(255,255,255,.12)}.quickbar a{padding:22px 28px}.quickbar li:first-child a{padding-left:0}}
.video-toggle{position:absolute;right:16px;top:calc(var(--header-h) + var(--util-h) + 14px);z-index:3;width:36px;height:36px;border:1px solid rgba(255,255,255,.45);background:rgba(7,17,29,.4);color:#fff;display:none;align-items:center;justify-content:center;cursor:pointer;border-radius:50%}
.video-toggle.show{display:inline-flex}
.video-toggle svg{width:14px;height:14px}

/* sections */
.section{padding:88px 0}
@media(min-width:960px){.section{padding:128px 0}}
.bg-paper{background:var(--paper)}
.bg-navy{background:var(--navy-900)}
.bg-deep{background:var(--navy-950)}
.sec-head{display:grid;gap:18px;margin-bottom:52px}
@media(min-width:960px){.sec-head{grid-template-columns:1.1fr .9fr;gap:64px;align-items:end}}
.sec-head h2{margin:0}
.sec-head p{margin:0}

/* specialty */
.spec{display:grid;gap:44px}
@media(min-width:1000px){.spec{grid-template-columns:1fr 1.1fr;gap:80px;align-items:start}}
.photo{position:relative;overflow:hidden;background:var(--mist)}
.photo img{width:100%;height:100%;object-fit:cover;transform:scale(1.06);will-change:transform}
.photo.tall{aspect-ratio:4/5}
.photo.wide{aspect-ratio:16/10}
.photo-cap{position:absolute;left:0;bottom:0;background:var(--navy-900);color:#fff;padding:14px 18px;font-size:13px;font-weight:600;letter-spacing:.04em}
.photo-cap span{color:#8DB7BE;margin-right:8px}
@media(min-width:1000px){.spec .photo{position:sticky;top:calc(var(--header-h) + var(--util-h) + 30px)}}
.exp-list{list-style:none;padding:0;margin:34px 0 36px;border-top:1px solid var(--line)}
.exp-list li{display:grid;grid-template-columns:44px 1fr;gap:4px 14px;padding:20px 0;border-bottom:1px solid var(--line)}
.exp-list .n{font-family:var(--serif);font-size:15px;color:var(--accent-600);font-weight:600;padding-top:2px}
.exp-list h3{font-size:17px;margin:0 0 4px}
.exp-list p{grid-column:2;margin:0;color:var(--ink-3);font-size:15.5px}

/* commercial coverage index */
.cov{display:grid;gap:48px}
@media(min-width:1000px){.cov{grid-template-columns:.85fr 1.15fr;gap:80px}}
.cov-aside .photo{margin-top:34px}
@media(min-width:1000px){.cov-aside{position:sticky;top:calc(var(--header-h) + var(--util-h) + 30px);align-self:start}}
.cov-group{margin-bottom:40px}
.cov-group:last-child{margin-bottom:0}
.cov-group > h3{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);font-weight:650;margin:0 0 6px}
.cov-row{display:grid;grid-template-columns:1fr;gap:6px;padding:22px 0;border-bottom:1px solid var(--line)}
.cov-group .cov-row:first-of-type{border-top:2px solid var(--navy-900)}
@media(min-width:640px){.cov-row{grid-template-columns:240px 1fr;gap:28px}}
.cov-row h4{font-size:17.5px;margin:0;font-weight:650}
.cov-row p{margin:0;color:var(--ink-3);font-size:15.5px}

/* industries */
.ind-layout{display:grid;gap:18px;grid-template-columns:1fr}
@media(min-width:900px){.ind-layout{grid-template-columns:1.3fr 1fr;grid-template-rows:auto auto}}
.ind-tile{position:relative;min-height:360px;display:flex;align-items:flex-end;color:#fff;overflow:hidden;isolation:isolate;text-decoration:none}
.ind-tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;transition:transform 1.6s var(--ease)}
.ind-tile:hover img{transform:scale(1.04)}
.ind-tile::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(7,17,29,.1) 0%,rgba(7,17,29,.55) 40%,rgba(7,17,29,.94) 100%)}
.ind-tile .t{padding:26px}
.ind-tile small{display:block;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#8DB7BE;font-weight:650;margin-bottom:8px}
.ind-tile h3{color:#fff;font-family:var(--serif);font-weight:600;font-size:28px;margin:0 0 6px}
.ind-tile p{margin:0;color:rgba(255,255,255,.85);font-size:15px;max-width:46ch}
@media(min-width:900px){.ind-tile.big{grid-row:span 2;min-height:560px}.ind-tile.big h3{font-size:34px}}
.ind-index{margin-top:44px;display:grid;grid-template-columns:1fr;border-top:1px solid var(--line)}
@media(min-width:700px){.ind-index{grid-template-columns:1fr 1fr;column-gap:48px}}
@media(min-width:1040px){.ind-index{grid-template-columns:repeat(3,1fr)}}
.ind-index div{padding:20px 0;border-bottom:1px solid var(--line)}
.ind-index h4{font-size:16.5px;margin:0 0 4px;display:flex;gap:10px;align-items:baseline}
.ind-index h4 span{font-family:var(--serif);color:var(--accent-600);font-size:14px;font-weight:600}
.ind-index p{margin:0;color:var(--ink-3);font-size:15px}

/* matrix */
.matrix-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);background:#fff}
.matrix{border-collapse:collapse;width:100%;min-width:860px;font-size:14.5px}
.matrix th,.matrix td{padding:14px 12px;border-bottom:1px solid var(--line);text-align:center}
.matrix thead th{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-3);font-weight:650;vertical-align:bottom;background:var(--paper);line-height:1.35}
.matrix tbody th{text-align:left;font-weight:600;color:var(--navy-900);white-space:nowrap}
.matrix th:first-child{position:sticky;left:0;background:#fff;z-index:1;box-shadow:1px 0 0 var(--line);min-width:190px}
.matrix thead th:first-child{background:var(--paper)}
.matrix tbody tr:hover td,.matrix tbody tr:hover th{background:#FAFBFC}
.dot{display:inline-block;width:11px;height:11px;border-radius:50%;background:var(--navy-900)}
.dot.o{background:transparent;border:1.5px solid var(--steel)}
.legend{display:flex;flex-wrap:wrap;gap:8px 26px;margin-top:16px;font-size:14px;color:var(--ink-3);align-items:center}
.legend span{display:inline-flex;align-items:center;gap:8px}
.scroll-hint{font-size:13px;color:var(--ink-3);margin:0 0 10px}
@media(min-width:900px){.scroll-hint{display:none}}

/* personal */
.personal{display:grid;gap:44px}
@media(min-width:1000px){.personal{grid-template-columns:1.1fr 1fr;gap:80px;align-items:center}}
.p-list{list-style:none;margin:30px 0 34px;padding:0;border-top:1px solid var(--line)}
.p-list li{padding:18px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:1fr;gap:4px}
@media(min-width:600px){.p-list li{grid-template-columns:200px 1fr;gap:24px}}
.p-list h3{font-size:17px;margin:0}
.p-list p{margin:0;color:var(--ink-3);font-size:15.5px}

/* independent + process */
.ind-why{display:grid;gap:56px}
@media(min-width:1000px){.ind-why{grid-template-columns:1fr 1fr;gap:88px}}
.why-list{list-style:none;padding:0;margin:34px 0 0;border-top:1px solid var(--line-dark)}
.why-list li{padding:22px 0;border-bottom:1px solid var(--line-dark);display:grid;grid-template-columns:44px 1fr;gap:4px 14px}
.why-list .n{font-family:var(--serif);color:#8DB7BE;font-weight:600}
.why-list h3{font-size:17.5px;margin:0 0 4px}
.why-list p{grid-column:2;margin:0;color:var(--steel-200);font-size:15.5px}
.process{list-style:none;padding:0;margin:34px 0 0;position:relative}
.process li{position:relative;padding:0 0 34px 64px}
.process li:last-child{padding-bottom:0}
.process li::before{content:attr(data-step);position:absolute;left:0;top:0;width:42px;height:42px;border:1px solid rgba(141,183,190,.7);color:#8DB7BE;font-family:var(--serif);font-weight:600;display:flex;align-items:center;justify-content:center;background:var(--navy-900);z-index:1}
.process li::after{content:"";position:absolute;left:21px;top:42px;bottom:0;width:1px;background:var(--line-dark)}
.process li:last-child::after{display:none}
.process h3{font-size:18px;margin:8px 0 6px}
.process p{margin:0;color:var(--steel-200);font-size:15.5px}

/* service center */
.svc{display:grid;gap:40px}
@media(min-width:1000px){.svc{grid-template-columns:.8fr 1.2fr;gap:72px}}
.tabs{display:flex;border-bottom:1px solid var(--line);margin-bottom:28px}
.tab{flex:1 1 0;min-width:0;background:none;border:0;border-bottom:2px solid transparent;margin-bottom:-1px;padding:12px 8px;font:inherit;font-weight:650;font-size:14px;line-height:1.3;color:var(--ink-3);cursor:pointer;text-align:center}
@media(min-width:620px){.tab{flex:0 0 auto;padding:14px 18px;font-size:15px;text-align:left}}
.tab[aria-selected="true"]{color:var(--navy-900);border-bottom-color:var(--accent)}
.tab-panel[hidden]{display:none}
.steps-v{list-style:none;padding:0;margin:0 0 26px;counter-reset:c}
.steps-v li{counter-increment:c;display:grid;grid-template-columns:36px 1fr;gap:4px 14px;padding:16px 0;border-bottom:1px solid var(--line)}
.steps-v li::before{content:counter(c);font-family:var(--serif);font-weight:600;color:var(--accent-600);font-size:18px}
.steps-v h4{font-size:16.5px;margin:0 0 3px}
.steps-v p{grid-column:2;margin:0;color:var(--ink-3);font-size:15px}
.alert{display:flex;gap:12px;align-items:flex-start;border-left:3px solid var(--accent);background:var(--accent-50);padding:14px 16px;color:#1F3E44;font-size:15px;margin-bottom:22px}
.alert svg{margin-top:2px}

/* forms */
.form{display:grid;gap:16px;grid-template-columns:1fr;position:relative}
@media(min-width:620px){.form .half{grid-column:span 1}.form{grid-template-columns:1fr 1fr}.form .full{grid-column:1/-1}}
.field{display:flex;flex-direction:column;gap:7px;grid-column:1/-1}
@media(min-width:620px){.field.half{grid-column:span 1}}
.field label,.field .lbl{font-weight:600;font-size:13.5px;color:var(--ink-2);letter-spacing:.01em}
.req{color:var(--accent-600)}
.opt{color:var(--ink-3);font-weight:500}
.field input,.field select,.field textarea{font:inherit;font-size:16px;color:var(--ink);background:#fff;border:1px solid #C5CDD5;border-radius:2px;padding:13px 14px;width:100%;transition:border-color .2s,box-shadow .2s;appearance:none;-webkit-appearance:none}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%230B1B2E'%3E%3Cpath d='M5.3 7.3a1 1 0 0 1 1.4 0L10 10.6l3.3-3.3a1 1 0 1 1 1.4 1.4l-4 4a1 1 0 0 1-1.4 0l-4-4a1 1 0 0 1 0-1.4z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;background-size:16px;padding-right:40px}
.field textarea{min-height:112px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy-900);box-shadow:0 0 0 3px rgba(29,58,90,.15)}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:#B3261E;background:#FFF8F7}
.err{display:none;color:#B3261E;font-size:13px;font-weight:600}
.invalid > .err,.invalid .err{display:block}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{position:relative}
.chip input{position:absolute;opacity:0;width:1px;height:1px}
.chip span{display:inline-block;border:1px solid #C5CDD5;padding:9px 13px;font-size:14px;cursor:pointer;background:#fff;transition:all .2s;user-select:none}
.chip input:checked + span{background:var(--navy-900);border-color:var(--navy-900);color:#fff}
.chip input:focus-visible + span{outline:2px solid var(--accent);outline-offset:2px}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.seg label{position:relative;cursor:pointer}
.seg input{position:absolute;opacity:0}
.seg span{display:block;border:1px solid #C5CDD5;padding:16px;background:#fff;transition:all .2s}
.seg span b{display:block;font-size:15.5px;color:var(--navy-900)}
.seg span small{color:var(--ink-3);font-size:13px}
.seg input:checked + span{border-color:var(--navy-900);box-shadow:inset 0 0 0 1px var(--navy-900);background:#F5F7F9}
.seg input:focus-visible + span{outline:2px solid var(--accent);outline-offset:2px}
.consent{grid-column:1/-1;display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--ink-3);line-height:1.5}
.consent input{width:18px;height:18px;margin-top:2px;accent-color:var(--navy-900);flex:none}
.consent.invalid{color:#B3261E}
.hp{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.form-status{display:none;grid-column:1/-1;padding:14px 16px;font-size:15px;border-left:3px solid}
.form-status.ok{display:block;background:#EDF7F0;border-color:#2E7D4F;color:#1D5B37}
.form-status.bad{display:block;background:#FFF2F1;border-color:#B3261E;color:#8E2B21}
.form-fine{grid-column:1/-1;font-size:12.5px;color:var(--ink-3);margin:0}
.form-actions{grid-column:1/-1;display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-top:4px}

/* quote (multi-step) */
.quote{display:grid;gap:44px}
@media(min-width:1040px){.quote{grid-template-columns:.75fr 1.25fr;gap:72px;align-items:start}}
.q-aside .contact-lines{list-style:none;padding:0;margin:30px 0 0;border-top:1px solid var(--line-dark)}
.contact-lines li{padding:16px 0;border-bottom:1px solid var(--line-dark);display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
.contact-lines small{color:var(--steel-300);font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:600}
.contact-lines a,.contact-lines span{color:#fff;font-weight:600;text-decoration:none}
.contact-lines a:hover{color:#8DB7BE}
.q-card{background:#fff;color:var(--ink);padding:24px;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
@media(min-width:700px){.q-card{padding:40px}}
.progress{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:28px;list-style:none;padding:0}
.progress li{font-size:12px;letter-spacing:.1em;text-transform:uppercase;font-weight:650;color:var(--ink-3);padding-top:12px;border-top:3px solid var(--line);transition:border-color .3s,color .3s}
.progress li.done,.progress li.active{border-top-color:var(--accent);color:var(--navy-900)}
.progress li b{font-family:var(--serif);font-size:14px;margin-right:6px}
.q-step{display:none;grid-column:1/-1;gap:16px;grid-template-columns:1fr}
@media(min-width:620px){.q-step{grid-template-columns:1fr 1fr}}
.q-step.active{display:grid;animation:fade .5s var(--ease)}
@keyframes fade{from{opacity:0}to{opacity:1}}
.q-step h3{grid-column:1/-1;font-family:var(--serif);font-weight:600;font-size:24px;margin:0}
.q-step .stepnote{grid-column:1/-1;margin:-6px 0 4px;color:var(--ink-3);font-size:15px}
.cond{display:none}
.cond.show{display:contents}
.review{grid-column:1/-1;background:var(--paper);border:1px solid var(--line);padding:16px 18px;font-size:14.5px}
.review dl{display:grid;grid-template-columns:auto 1fr;gap:6px 18px;margin:0}
.review dt{color:var(--ink-3)}
.review dd{margin:0;font-weight:600}

/* about */
.about{display:grid;gap:44px}
@media(min-width:1000px){.about{grid-template-columns:1.15fr .85fr;gap:88px}}
.principal{border-top:2px solid var(--navy-900);padding-top:22px}
.principal .who{display:flex;gap:16px;align-items:center;margin-bottom:20px}
.mono{width:64px;height:64px;background:var(--navy-900);color:#fff;font-family:var(--serif);font-weight:600;font-size:24px;display:flex;align-items:center;justify-content:center;flex:none;position:relative}
.mono::after{content:"";position:absolute;left:14px;right:14px;bottom:12px;height:2px;background:var(--accent)}
.who h3{margin:0;font-size:19px}
.who p{margin:0;color:var(--ink-3);font-size:14.5px}
.facts{list-style:none;padding:0;margin:0}
.facts li{display:flex;justify-content:space-between;gap:20px;padding:13px 0;border-top:1px solid var(--line);font-size:15px}
.facts li span:first-child{color:var(--ink-3);flex:none}
.facts li span:last-child{font-weight:600;text-align:right}
.carriers{margin-top:56px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:26px 0;display:grid;gap:10px}
@media(min-width:800px){.carriers{grid-template-columns:260px 1fr;gap:40px;align-items:center}}
.carriers h3{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);margin:0}
.carriers p{margin:0;color:var(--ink-2)}

/* faq */
.faq-wrap{display:grid;gap:40px}
@media(min-width:1000px){.faq-wrap{grid-template-columns:.7fr 1.3fr;gap:80px}}
.faq{border-top:2px solid var(--navy-900)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 40px 22px 0;font-weight:650;font-size:17px;color:var(--navy-900);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:16px;font-size:26px;font-weight:300;color:var(--accent-600);transition:transform .3s var(--ease)}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 0 22px;color:var(--ink-2);max-width:68ch}
.faq .ans p:last-child{margin:0}

/* contact */
.contact{display:grid;gap:44px}
@media(min-width:1000px){.contact{grid-template-columns:.85fr 1.15fr;gap:80px}}
.hours{list-style:none;padding:0;margin:20px 0 0;max-width:360px}
.hours li{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding:9px 0;font-size:15px}
.hours li span:last-child{font-weight:600}

/* cta band */
.band{position:relative;color:#fff;overflow:hidden;isolation:isolate;background:var(--navy-900)}
.band img{position:absolute;inset:-8% 0;width:100%;height:116%;object-fit:cover;z-index:-2;will-change:transform}
.band::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(7,17,29,.95),rgba(7,17,29,.72) 55%,rgba(7,17,29,.4))}
.band .container{padding-top:96px;padding-bottom:96px}
.band h2{color:#fff;font-size:clamp(30px,4.6vw,50px);max-width:18ch}
.band p{color:rgba(255,255,255,.85);max-width:54ch;font-size:18px;margin-bottom:30px}

/* footer */
.site-footer{background:var(--navy-950);color:#AEBBC9;padding:72px 0 28px;font-size:14.5px}
.footer-grid{display:grid;gap:36px;grid-template-columns:1fr 1fr}
.footer-grid > :first-child{grid-column:1/-1}
@media(min-width:900px){.footer-grid{grid-template-columns:1.5fr 1fr 1fr 1fr 1.2fr}.footer-grid > :first-child{grid-column:auto}}
.site-footer h4{color:#fff;font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;margin:0 0 16px;font-weight:650}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.site-footer a{color:#AEBBC9;text-decoration:none}
.site-footer a:hover{color:#fff}
.site-footer .brand{color:#fff;margin-bottom:18px}
.legal{margin-top:52px;padding-top:24px;border-top:1px solid var(--line-dark);font-size:12.5px;line-height:1.7;color:#8494A6}
.legal p{margin:0 0 .8em;max-width:120ch}
.legal-bottom{display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;margin-top:18px;color:#8494A6}
.linklike{background:none;border:0;padding:0;color:inherit;font:inherit;text-decoration:underline;cursor:pointer}

/* modal */
.modal{position:fixed;inset:0;z-index:150;display:none;align-items:center;justify-content:center;padding:16px;background:rgba(7,17,29,.65)}
.modal.open{display:flex}
.modal-box{background:#fff;max-width:740px;width:100%;max-height:86vh;overflow:auto;padding:30px;position:relative}
.modal-box h2{font-size:30px}
.modal-box h3{font-size:16.5px;margin-top:22px}
.modal-box p,.modal-box li{color:var(--ink-2);font-size:15px}
.modal-close{position:sticky;top:0;float:right;width:40px;height:40px;border:1px solid var(--line);background:#fff;cursor:pointer;display:flex;align-items:center;justify-content:center}

/* mobile action bar */
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:50;display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);transform:translateY(110%);transition:transform .35s var(--ease)}
.callbar.show{transform:none}
.callbar .btn{padding:14px 10px}
@media(min-width:900px){.callbar{display:none}}

/* motion: slow fades only */
.reveal{opacity:0;transform:translateY(14px);transition:opacity 1.1s var(--ease),transform 1.1s var(--ease)}
.reveal.in{opacity:1;transform:none}
.reveal[data-d="1"]{transition-delay:.1s}.reveal[data-d="2"]{transition-delay:.2s}.reveal[data-d="3"]{transition-delay:.3s}
.no-js .reveal{opacity:1;transform:none}
.hero .fade{opacity:0;animation:fade 1.4s var(--ease) forwards}
.hero .fade:nth-child(2){animation-delay:.15s}.hero .fade:nth-child(3){animation-delay:.3s}.hero .fade:nth-child(4){animation-delay:.45s}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;transition-delay:0s!important}
  .reveal,.hero .fade{opacity:1;transform:none}
  .photo img,.band img{transform:none!important}
}

/* grid children may shrink below their content width */
.spec>*,.cov>*,.svc>*,.quote>*,.contact>*,.about>*,.personal>*,.ind-why>*,.faq-wrap>*,.sec-head>*{min-width:0}
@media(max-width:799px){.hero::after{background:linear-gradient(180deg,rgba(7,17,29,.5) 0%,rgba(7,17,29,.35) 25%,rgba(7,17,29,.8) 60%,rgba(7,17,29,.96) 100%)}}
.personal .photo{aspect-ratio:4/3}

.brand img{height:40px;width:auto;display:block}.brand .logo-c{display:none}.site-header.solid .brand .logo-c{display:block}.site-header.solid .brand .logo-w{display:none}.site-footer .brand img{height:48px}@media(max-width:420px){.brand img{height:34px}}