/* Ashford Whitcombe & Partners — editorial old-money insurance brand */
:root {
  --primary: #1c2638;
  --primary-dark: #0f1828;
  --bg: #efe9dc;
  --bg-alabaster: #f8f4ec;
  --card: #ffffff;
  --ink: #15191f;
  --ink-soft: #525866;
  --rule: #bfb39a;
  --accent-bronze: #7a5a32;
  --accent-mist: #6b7682;
  --shadow: rgba(15, 24, 40, 0.08);
  --display: 'Tinos', 'GT Sectra', Georgia, serif;
  --serif: 'Source Serif Pro', 'Source Serif 4', Georgia, serif;
  --body: 'Source Serif Pro', 'Source Serif 4', Georgia, serif;
  --ui: 'Inter', 'Söhne', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--body);
  font-size: 1.1875rem;
  line-height: 1.7;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; height: auto; }
a {
  color: var(--primary);
  text-decoration: underline;
  text-decoration-color: var(--rule);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.22em;
  transition: text-decoration-color 0.2s, color 0.2s;
}
a:hover { text-decoration-color: var(--accent-bronze); color: var(--accent-bronze); }
em, i { font-family: var(--display); font-style: italic; }

/* Typography */
h1, h2, h3, h4, h5 { font-family: var(--display); color: var(--primary); font-weight: 600; line-height: 1.12; }
h1 { font-family: var(--display); font-size: clamp(2.5rem, 5.5vw, 4.5rem); font-weight: 600; line-height: 1.02; letter-spacing: -0.02em; }
h2 { font-size: clamp(2rem, 3.75vw, 2.875rem); letter-spacing: -0.01em; }
h2.italic { font-style: italic; font-weight: 400; }
h3 { font-family: var(--serif); font-size: 1.625rem; font-style: italic; font-weight: 600; color: var(--primary); }
h4 { font-family: var(--ui); font-size: 0.78rem; font-weight: 600; letter-spacing: 0.22em; text-transform: uppercase; color: var(--ink-soft); }
p { margin-bottom: 1em; }
p.lead { font-size: 1.3125rem; line-height: 1.6; }

.smallcaps {
  font-family: var(--ui);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  font-weight: 600;
  color: var(--ink-soft);
}
.smallcaps--bronze { color: var(--accent-bronze); }
.eyebrow { display: inline-block; margin-bottom: 1rem; }

.wrap { max-width: 76rem; margin: 0 auto; padding: 0 1.5rem; }
.wrap--narrow { max-width: 44rem; margin: 0 auto; padding: 0 1.5rem; }
.wrap--medium { max-width: 56rem; margin: 0 auto; padding: 0 1.5rem; }

.skip-link {
  position: absolute; top: -40px; left: 0;
  background: var(--primary); color: var(--bg);
  padding: 0.5rem 1rem; font-size: 0.85rem;
  z-index: 200; text-decoration: none;
}
.skip-link:focus { top: 0; }

.rule {
  height: 1px; background: var(--rule); border: 0; margin: 4rem 0;
}
.rule--bronze { background: var(--accent-bronze); width: 3rem; height: 1.5px; margin: 0 0 1.25rem; }
.rule--bronze-center { background: var(--accent-bronze); width: 3rem; height: 1.5px; margin: 0 auto 1.25rem; }

/* TRUST STRIP (top utility) */
.trust-utility {
  background: var(--primary-dark);
  color: var(--bg-alabaster);
  padding: 0.45rem 0;
  font-family: var(--ui);
  font-size: 0.65rem;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  text-align: center;
  border-bottom: 1px solid var(--accent-bronze);
}
.trust-utility span { color: var(--accent-bronze); margin: 0 0.5rem; }

/* HEADER */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--bg-alabaster);
  transition: box-shadow 0.3s ease;
  border-bottom: 1px solid transparent;
}
.site-header.is-scrolled { box-shadow: 0 2px 12px var(--shadow); }
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.25rem 0; gap: 1.5rem;
}
.wordmark {
  font-family: var(--display);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--primary);
  text-decoration: none;
  letter-spacing: -0.005em;
  display: flex; align-items: baseline; gap: 0.6rem;
}
.wordmark .est {
  font-family: var(--ui);
  font-size: 0.6rem;
  letter-spacing: 0.22em;
  color: var(--accent-bronze);
  text-transform: uppercase;
  font-weight: 600;
}
.site-nav {
  display: flex; gap: 1.6rem; align-items: center;
  font-family: var(--ui);
  font-size: 0.86rem;
  font-weight: 500;
  letter-spacing: 0.02em;
}
.site-nav a {
  color: var(--primary);
  text-decoration: none;
  padding: 0.25rem 0;
}
.site-nav a:hover { color: var(--accent-bronze); }
.header-meta {
  display: flex; flex-direction: column; align-items: flex-end; gap: 0.2rem;
}
.header-meta .smallcaps { color: var(--ink-soft); font-size: 0.6rem; letter-spacing: 0.25em; }
.header-meta a.proposal-link {
  font-family: var(--display);
  font-style: italic;
  color: var(--accent-bronze);
  font-size: 1rem;
  text-decoration: underline;
  text-decoration-color: var(--accent-bronze);
}
.menu-toggle { display: none; background: none; border: 0; font-size: 1.5rem; color: var(--primary); cursor: pointer; }

/* BUTTONS */
.btn {
  display: inline-block;
  font-family: var(--ui);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 0.95rem 1.6rem;
  border: 1px solid var(--primary);
  background: transparent;
  color: var(--primary);
  text-decoration: none;
  transition: all 0.2s;
  cursor: pointer;
}
.btn:hover { background: var(--primary); color: var(--bg-alabaster); text-decoration: none; }
.btn--primary { background: var(--primary); color: var(--bg-alabaster); }
.btn--primary:hover { background: var(--primary-dark); color: var(--bg-alabaster); }
.btn--bronze { background: var(--accent-bronze); color: var(--bg-alabaster); border-color: var(--accent-bronze); }
.btn--bronze:hover { background: #5e4626; border-color: #5e4626; color: var(--bg-alabaster); }
.btn--ghost { border-color: var(--accent-bronze); color: var(--accent-bronze); background: transparent; }
.btn--ghost:hover { background: var(--accent-bronze); color: var(--bg-alabaster); }

.bronze-link {
  font-family: var(--display);
  font-style: italic;
  color: var(--accent-bronze);
  text-decoration: underline;
  text-decoration-color: var(--accent-bronze);
}
.bronze-link:hover { color: #5e4626; text-decoration-color: #5e4626; }

/* HERO — Pattern #4 editorial-magazine cover */
.hero-editorial {
  background: var(--bg);
  padding: 5rem 0 6rem;
  border-bottom: 1px solid var(--rule);
}
.hero-editorial .wrap {
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  gap: 4rem;
  align-items: end;
}
.hero-editorial .hero-text { padding-right: 1rem; }
.hero-editorial h1 {
  margin: 1.5rem 0 1.25rem;
  color: var(--primary);
}
.hero-editorial .subhead {
  font-family: var(--display);
  font-style: italic;
  font-size: 1.375rem;
  color: var(--ink-soft);
  line-height: 1.4;
  margin-bottom: 1.5rem;
}
.hero-editorial .hero-image {
  width: 100%;
  aspect-ratio: 4 / 5;
  background-size: cover;
  background-position: center;
  border: 1px solid var(--rule);
  box-shadow: 0 8px 32px var(--shadow);
}
.hero-editorial .hero-meta {
  margin-top: 2rem;
  display: flex; gap: 2.5rem; flex-wrap: wrap;
  font-family: var(--ui);
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-soft);
}
.hero-editorial .hero-meta strong {
  display: block;
  font-family: var(--display);
  font-style: italic;
  font-size: 1rem;
  letter-spacing: 0;
  text-transform: none;
  color: var(--primary);
  margin-top: 0.25rem;
  font-weight: 500;
}

/* SHORT HERO (for inner pages) */
.page-hero {
  background: var(--primary-dark);
  color: var(--bg-alabaster);
  padding: 5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(15,24,40,0.85) 0%, rgba(15,24,40,0.55) 60%, rgba(15,24,40,0.85) 100%);
  pointer-events: none;
}
.page-hero.has-bg { min-height: 360px; display: flex; align-items: center; }
.page-hero.has-bg .bg-img {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
  filter: saturate(0.85);
}
.page-hero .wrap { position: relative; z-index: 2; }
.page-hero .smallcaps { color: var(--accent-bronze); }
.page-hero h1 { color: var(--bg-alabaster); margin-top: 1rem; max-width: 50rem; }
.page-hero .breadcrumb {
  margin-top: 1.5rem;
  font-family: var(--ui);
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--bg-alabaster);
  opacity: 0.75;
}
.page-hero .breadcrumb a { color: var(--bg-alabaster); text-decoration-color: var(--accent-bronze); }

/* TRUST STRIP (hero adjacent) */
.trust-strip {
  background: var(--bg-alabaster);
  padding: 2.5rem 0;
  border-top: 1px solid var(--accent-bronze);
  border-bottom: 1px solid var(--accent-bronze);
}
.trust-strip .wrap {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 2rem;
  align-items: center;
  text-align: center;
}
.trust-badge {
  font-family: var(--display);
  color: var(--primary);
}
.trust-badge .smallcaps {
  display: block;
  font-size: 0.6rem;
  letter-spacing: 0.22em;
  color: var(--accent-bronze);
  margin-bottom: 0.4rem;
}
.trust-badge .badge-name {
  font-family: var(--display);
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1.25;
}
.trust-badge .badge-meta {
  font-family: var(--ui);
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-top: 0.3rem;
}

/* EDITORIAL INTRO band */
.editorial-intro {
  background: var(--bg-alabaster);
  padding: 6rem 0;
}
.editorial-intro .wrap--medium p { font-size: 1.1875rem; line-height: 1.75; }
.editorial-intro p + p { margin-top: 1.25rem; }

/* PRACTICE BANDS — alternating image/text */
.practice-band {
  padding: 5rem 0;
  background: var(--bg);
  border-bottom: 1px solid var(--rule);
}
.practice-band .wrap {
  display: grid;
  grid-template-columns: 5fr 4fr;
  gap: 4rem;
  align-items: center;
}
.practice-band.reverse .wrap { grid-template-columns: 4fr 5fr; }
.practice-band.reverse .practice-image { order: 2; }
.practice-image {
  width: 100%; aspect-ratio: 4/5;
  background-size: cover; background-position: center;
  border: 1px solid var(--rule);
  box-shadow: 0 6px 28px var(--shadow);
}
.practice-text h2 { margin: 1rem 0 1.5rem; }
.practice-text .practice-list {
  list-style: none;
  margin: 1.5rem 0;
  padding: 0;
}
.practice-text .practice-list li {
  position: relative;
  padding-left: 1.5rem;
  margin-bottom: 0.5rem;
  font-family: var(--serif);
}
.practice-text .practice-list li::before {
  content: '·';
  color: var(--accent-bronze);
  position: absolute; left: 0.5rem;
  font-size: 1.5rem; line-height: 1;
  top: -0.05em;
}

/* NAMED PROGRAMS — dark band */
.programs-dark {
  background: var(--primary-dark);
  color: var(--bg-alabaster);
  padding: 6rem 0;
}
.programs-dark h2 { color: var(--bg-alabaster); }
.programs-dark .programs-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 3rem;
  margin-top: 3.5rem;
}
.program-card {
  border-left: 1px solid var(--accent-bronze);
  padding-left: 1.5rem;
}
.program-card .smallcaps { color: var(--accent-bronze); display: block; margin-bottom: 0.5rem; }
.program-card h3 { color: var(--bg-alabaster); font-style: italic; margin-bottom: 1rem; font-size: 1.5rem; }
.program-card p { font-size: 1rem; line-height: 1.65; color: var(--bg-alabaster); opacity: 0.92; }
.program-card a { color: var(--accent-bronze); font-family: var(--display); font-style: italic; text-decoration-color: var(--accent-bronze); display: inline-block; margin-top: 0.75rem; }

/* CARRIER GRID — typeset wordmarks */
.carrier-section {
  background: var(--bg-alabaster);
  padding: 6rem 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.carrier-section .section-head { text-align: center; margin-bottom: 3rem; }
.carrier-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.carrier-card {
  background: var(--card);
  border: 1px solid var(--accent-bronze);
  padding: 1.5rem 1rem;
  text-align: center;
  min-height: 90px;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  transition: transform 0.2s, box-shadow 0.2s;
}
.carrier-card:hover { transform: translateY(-2px); box-shadow: 0 6px 20px var(--shadow); }
.carrier-card .carrier-name {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--primary);
  letter-spacing: -0.005em;
  line-height: 1.2;
}
.carrier-card .carrier-meta {
  font-family: var(--ui);
  font-size: 0.62rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-bronze);
  margin-top: 0.4rem;
}

/* TESTIMONIAL PULL-QUOTE */
.testimonial {
  background: var(--bg-alabaster);
  padding: 6rem 0;
  text-align: center;
}
.testimonial blockquote {
  font-family: var(--display);
  font-style: italic;
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  line-height: 1.5;
  color: var(--primary);
  max-width: 56rem;
  margin: 0 auto;
  padding: 2.5rem 0;
  border-top: 1px solid var(--accent-bronze);
  border-bottom: 1px solid var(--accent-bronze);
}
.testimonial cite {
  display: block;
  margin-top: 1.5rem;
  font-family: var(--ui);
  font-style: normal;
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-soft);
}

/* PARTNERS GRID */
.partners-section {
  background: var(--bg-alabaster);
  padding: 6rem 0;
}
.partners-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  margin-top: 3rem;
}
.partner-card { }
.partner-photo {
  width: 100%; aspect-ratio: 4/5;
  background-size: cover; background-position: center;
  background-color: var(--rule);
  border: 1px solid var(--rule);
  margin-bottom: 1rem;
}
.partner-card .partner-name {
  font-family: var(--display);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--primary);
  line-height: 1.25;
}
.partner-card .partner-designations {
  font-family: var(--ui);
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-bronze);
  margin-top: 0.2rem;
}
.partner-card .partner-role {
  font-family: var(--serif);
  font-style: italic;
  font-size: 0.95rem;
  color: var(--ink-soft);
  margin-top: 0.4rem;
  line-height: 1.45;
}
.partner-card .partner-tenure {
  font-family: var(--ui);
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-top: 0.3rem;
}

/* INSIGHTS PREVIEW */
.insights-section {
  background: var(--bg);
  padding: 6rem 0;
}
.insights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  margin-top: 3rem;
}
.insight-card {
  background: var(--card);
  border: 1px solid var(--rule);
  display: block;
  text-decoration: none;
  transition: box-shadow 0.2s;
}
.insight-card:hover { box-shadow: 0 8px 28px var(--shadow); text-decoration: none; }
.insight-image {
  width: 100%; aspect-ratio: 16/9;
  background-size: cover; background-position: center;
  background-color: var(--rule);
}
.insight-body { padding: 1.5rem 1.5rem 1.75rem; }
.insight-body .smallcaps { color: var(--accent-bronze); display: block; margin-bottom: 0.65rem; }
.insight-body h3 {
  font-family: var(--display);
  font-style: italic;
  font-weight: 600;
  font-size: 1.3rem;
  color: var(--primary);
  line-height: 1.3;
  margin-bottom: 0.75rem;
}
.insight-body p {
  font-size: 0.95rem;
  color: var(--ink-soft);
  line-height: 1.55;
  margin-bottom: 0;
}
.insight-body .continue {
  display: inline-block;
  margin-top: 1rem;
  font-family: var(--display);
  font-style: italic;
  color: var(--accent-bronze);
}

/* SERVICE AREA — maps */
.service-area-two-col {
  background: var(--bg-alabaster);
  padding: 5rem 0;
  border-top: 1px solid var(--rule);
}
.service-area-two-col .grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}
.office-card .smallcaps { color: var(--accent-bronze); }
.office-card h3 {
  font-family: var(--display);
  font-weight: 600;
  font-style: normal;
  font-size: 1.85rem;
  color: var(--primary);
  margin: 0.5rem 0 1.25rem;
}
.office-card .map-frame {
  width: 100%; aspect-ratio: 4/3;
  border: 1px solid var(--rule);
  filter: saturate(0.9);
  margin-bottom: 1.25rem;
}
.office-card address {
  font-family: var(--serif);
  font-style: italic;
  line-height: 1.7;
  font-size: 1rem;
}
.office-card p { font-size: 0.95rem; line-height: 1.55; }

/* FOOTER */
.site-footer {
  background: var(--primary-dark);
  color: var(--bg-alabaster);
  padding: 5rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.7fr 1fr 1.2fr 1fr 1fr;
  gap: 2.5rem;
}
.site-footer .wordmark { color: var(--bg-alabaster); }
.site-footer h4 {
  font-family: var(--ui);
  font-size: 0.7rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--accent-bronze);
  margin-bottom: 1rem;
  font-weight: 600;
}
.site-footer p, .site-footer a, .site-footer address {
  color: var(--bg-alabaster);
  font-size: 0.92rem;
  line-height: 1.6;
}
.site-footer a { text-decoration-color: var(--accent-bronze); }
.site-footer a:hover { color: var(--accent-bronze); }
.footer-nav { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-badges {
  margin-top: 1.25rem;
  display: flex; flex-wrap: wrap; gap: 0.4rem;
}
.footer-badges span {
  font-family: var(--ui);
  font-size: 0.62rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-bronze);
  border: 1px solid var(--accent-bronze);
  padding: 0.3rem 0.55rem;
}
.footer-office { margin-bottom: 1.25rem; }
.footer-office address { font-family: var(--serif); font-style: italic; }
.compliance {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(191, 179, 154, 0.3);
  font-family: var(--ui);
  font-size: 0.72rem;
  line-height: 1.7;
  color: rgba(248, 244, 236, 0.75);
}
.compliance p { font-size: 0.72rem; margin-bottom: 0.6rem; }
.footer-bottom {
  margin-top: 1.5rem;
  display: flex; justify-content: space-between;
  font-family: var(--ui);
  font-size: 0.78rem;
  color: rgba(248, 244, 236, 0.65);
}
.footer-bottom em { font-style: italic; font-family: var(--display); color: var(--accent-bronze); }

/* ARTICLE BODY — long-form */
.article-body {
  background: var(--bg);
  padding: 5rem 0;
}
.article-body .wrap--narrow p { font-size: 1.1875rem; line-height: 1.75; margin-bottom: 1.25rem; }
.article-body h2 { margin: 3rem 0 1.25rem; }
.article-body h3 { margin: 2rem 0 0.75rem; }
.article-body blockquote.pull {
  font-family: var(--display);
  font-style: italic;
  font-size: 1.875rem;
  line-height: 1.4;
  color: var(--primary);
  border-top: 1px solid var(--accent-bronze);
  border-bottom: 1px solid var(--accent-bronze);
  padding: 2rem 0;
  margin: 3rem 0;
}
.article-body blockquote.inline {
  font-family: var(--display);
  font-style: italic;
  font-size: 1.25rem;
  line-height: 1.5;
  color: var(--primary);
  border-left: 2px solid var(--accent-bronze);
  padding: 0.5rem 0 0.5rem 1.5rem;
  margin: 2rem 0;
}
.article-body blockquote cite {
  display: block;
  margin-top: 0.75rem;
  font-family: var(--ui);
  font-style: normal;
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-soft);
}
.article-body dl { margin: 1.5rem 0 2rem; }
.article-body dt {
  font-family: var(--display);
  font-style: italic;
  font-weight: 600;
  color: var(--primary);
  margin-top: 1.25rem;
  font-size: 1.15rem;
}
.article-body dd { margin-bottom: 0.5rem; padding-left: 0; }

/* SIDEBAR (right rail) */
.article-with-sidebar {
  display: grid;
  grid-template-columns: 1fr 18rem;
  gap: 4rem;
  max-width: 76rem;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.article-sidebar {
  position: sticky;
  top: 8rem;
  align-self: start;
}
.sidebar-card {
  background: var(--bg-alabaster);
  border: 1px solid var(--rule);
  border-top: 2px solid var(--accent-bronze);
  padding: 1.75rem;
  margin-bottom: 2rem;
}
.sidebar-card h4 { color: var(--accent-bronze); }
.sidebar-card p { font-size: 0.95rem; line-height: 1.55; margin-bottom: 1rem; }
.sidebar-card .btn { width: 100%; text-align: center; }
.sidebar-card .links { display: flex; flex-direction: column; gap: 0.5rem; }

/* FAQ */
.faq-section {
  background: var(--bg-alabaster);
  padding: 5rem 0;
  border-top: 1px solid var(--rule);
}
.faq-section h2 { text-align: center; margin-bottom: 3rem; }
.faq-list { max-width: 56rem; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--rule);
  padding: 1.5rem 0;
}
.faq-item h3 {
  font-family: var(--display);
  font-style: italic;
  font-size: 1.25rem;
  color: var(--primary);
  margin-bottom: 0.75rem;
}
.faq-item p {
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  margin-bottom: 0;
}

/* FORM */
.proposal-form {
  background: var(--bg-alabaster);
  padding: 5rem 0;
}
.form-card {
  max-width: 36rem; margin: 0 auto;
  background: var(--card);
  padding: 3rem;
  border: 1px solid var(--rule);
  border-top: 3px solid var(--accent-bronze);
}
.form-card label {
  display: block;
  font-family: var(--ui);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  font-weight: 600;
  margin-bottom: 0.4rem;
  margin-top: 1.25rem;
}
.form-card input[type="text"],
.form-card input[type="email"],
.form-card input[type="tel"],
.form-card select,
.form-card textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  font-family: var(--serif);
  font-size: 1rem;
  color: var(--ink);
  background: var(--bg);
  border: 1px solid var(--rule);
  border-radius: 0;
}
.form-card textarea { min-height: 8rem; resize: vertical; }
.form-card input:focus, .form-card select:focus, .form-card textarea:focus {
  outline: 2px solid var(--accent-bronze);
  outline-offset: 2px;
  border-color: var(--accent-bronze);
}
.form-card button { margin-top: 2rem; width: 100%; }
.privacy-note {
  font-family: var(--display);
  font-style: italic;
  color: var(--accent-bronze);
  font-size: 0.95rem;
  text-align: center;
  margin-top: 1.5rem;
  max-width: 36rem;
  margin-left: auto; margin-right: auto;
  line-height: 1.55;
}

/* TABLES (claim phone numbers) */
.simple-table {
  width: 100%;
  border-collapse: collapse;
  margin: 2rem 0;
  font-family: var(--serif);
}
.simple-table th {
  text-align: left;
  font-family: var(--ui);
  font-size: 0.72rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent-bronze);
  font-weight: 600;
  padding: 1rem 0.75rem;
  border-bottom: 1px solid var(--accent-bronze);
}
.simple-table td {
  padding: 0.85rem 0.75rem;
  border-bottom: 1px solid var(--rule);
  font-size: 0.98rem;
}
.simple-table td a { color: var(--primary); }

/* SECTION HEAD */
.section-head { margin-bottom: 2.5rem; }
.section-head .smallcaps { display: block; margin-bottom: 0.65rem; color: var(--accent-bronze); }
.section-head h2 { font-style: italic; font-weight: 400; }

/* CARRIER PARAGRAPH LIST (carriers page) */
.carrier-paragraphs {
  background: var(--bg);
  padding: 5rem 0;
}
.carrier-paragraph {
  border-top: 1px solid var(--accent-bronze);
  padding: 2.5rem 0;
  display: grid;
  grid-template-columns: 1fr 3fr;
  gap: 3rem;
  align-items: start;
}
.carrier-paragraph .carrier-head h3 {
  font-family: var(--display);
  font-style: normal;
  font-weight: 600;
  font-size: 1.5rem;
  color: var(--primary);
  margin-bottom: 0.5rem;
}
.carrier-paragraph .carrier-head .smallcaps {
  display: block;
  color: var(--accent-bronze);
  font-size: 0.7rem;
  margin-bottom: 0.4rem;
}
.carrier-paragraph .carrier-head .appointed {
  font-family: var(--ui);
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
}
.carrier-paragraph p { font-size: 1.0625rem; line-height: 1.65; }

/* CONTACT FORM SECTION */
.contact-section { background: var(--bg); padding: 5rem 0; }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  margin-bottom: 4rem;
}
.contact-form-block {
  background: var(--bg-alabaster);
  padding: 4rem 0;
  border-top: 1px solid var(--rule);
}
.licensing-section {
  background: var(--bg-alabaster);
  padding: 4rem 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.licensing-section h3 { font-family: var(--display); font-style: italic; margin-bottom: 1.5rem; color: var(--primary); }
.licensing-section p { font-size: 1rem; line-height: 1.65; margin-bottom: 1.25rem; }

/* INDUSTRY GRID (commercial hub) */
.industry-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin: 3rem 0;
}
.industry-card {
  background: var(--bg-alabaster);
  border: 1px solid var(--rule);
  border-left: 2px solid var(--accent-bronze);
  padding: 1.5rem 1.25rem;
}
.industry-card .smallcaps {
  display: block;
  font-size: 0.6rem;
  color: var(--accent-bronze);
  margin-bottom: 0.4rem;
}
.industry-card h3 {
  font-family: var(--display);
  font-style: normal;
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--primary);
  line-height: 1.3;
}

/* COVERAGE ROWS — service blocks */
.coverage-rows { margin: 3rem 0; }
.coverage-row {
  display: grid;
  grid-template-columns: 1fr 3fr;
  gap: 3rem;
  padding: 2.25rem 0;
  border-bottom: 1px solid var(--rule);
}
.coverage-row:first-child { border-top: 1px solid var(--accent-bronze); }
.coverage-row h3 {
  font-family: var(--display);
  font-style: normal;
  font-weight: 600;
  font-size: 1.35rem;
  color: var(--primary);
  margin: 0;
}
.coverage-row .row-body p { font-size: 1rem; line-height: 1.65; margin-bottom: 0.75rem; }
.coverage-row .row-body p:last-child { margin-bottom: 0; }

/* SECTION SPACING UTIL */
.section { padding: 5rem 0; }

/* MOBILE */
@media (max-width: 960px) {
  .hero-editorial .wrap { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-editorial .hero-image { aspect-ratio: 4/3; max-width: 32rem; }
  .trust-strip .wrap { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
  .practice-band .wrap, .practice-band.reverse .wrap { grid-template-columns: 1fr; gap: 2rem; }
  .practice-band.reverse .practice-image { order: 0; }
  .practice-image { aspect-ratio: 16/9; }
  .programs-dark .programs-grid { grid-template-columns: 1fr; gap: 2rem; }
  .carrier-grid { grid-template-columns: repeat(2, 1fr); }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .insights-grid { grid-template-columns: 1fr; }
  .service-area-two-col .grid { grid-template-columns: 1fr; }
  .industry-grid { grid-template-columns: repeat(2, 1fr); }
  .coverage-row, .carrier-paragraph { grid-template-columns: 1fr; gap: 1rem; }
  .article-with-sidebar { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .site-nav { display: none; }
  .menu-toggle { display: block; }
  .header-meta { display: none; }
  body.menu-open .site-nav {
    display: flex; flex-direction: column;
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--bg-alabaster);
    padding: 1.5rem;
    border-top: 1px solid var(--rule);
    border-bottom: 1px solid var(--accent-bronze);
    gap: 1rem;
  }
}
@media (max-width: 560px) {
  body { font-size: 1.0625rem; }
  .trust-strip .wrap { grid-template-columns: 1fr; gap: 1.25rem; }
  .partners-grid { grid-template-columns: 1fr 1fr; gap: 1.25rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-card { padding: 2rem 1.5rem; }
}