/* Gallatin Water Damage Restoration: "Courthouse Square and Cove" design system (research/structure-plan.md).
   Old Hickory Lake blue + Tennessee walnut + bluegrass green on parchment. Archivo headings, Merriweather body. */
@font-face{font-family:"Archivo";src:url(../fonts/archivo.woff2?v=cd56e2ec) format("woff2");font-weight:600 900;font-style:normal;font-display:swap}
@font-face{font-family:"Merriweather";src:url(../fonts/merriweather.woff2?v=5c271de1) format("woff2");font-weight:300 900;font-style:normal;font-display:swap}
:root{
  --lake:#2b6683;--lake-d:#1b4559;--lake-dd:#123445;--sky:#d6e8f1;
  --walnut:#5b3a29;--walnut-d:#46291c;--grass:#5e8a4c;--grass-d:#3f6533;--grass-t:#e3eedc;
  --parch:#faf6ec;--paper:#f2ebdb;--white:#ffffff;--line:#d8ccb3;--line-2:#e6dcc6;
  --ink:#1f2328;--ink-2:#3a3530;--on-dark:#f3f7f9;
  --h:"Archivo",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --b:"Merriweather",Georgia,"Times New Roman",serif;
  --r:10px;--gutter:20px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--parch);color:var(--ink);font-family:var(--b);font-size:17px;line-height:1.75;font-weight:400}
img{max-width:100%;height:auto;display:block}
a{color:var(--lake-d)}
h1,h2,h3{font-family:var(--h);color:var(--walnut-d);line-height:1.18;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.2vw,3.05rem);font-weight:800}
h2{font-size:clamp(1.55rem,2.8vw,2.15rem);font-weight:800}
h3{font-size:1.14rem;font-weight:700}
p{margin:0 0 1em}
ul,ol{margin:0;padding:0}
.wrap{max-width:1200px;margin:0 auto;padding:0 var(--gutter)}
.skip-link{position:absolute;left:-9999px;top:0}
.skip-link:focus{left:12px;top:12px;z-index:999;background:#fff;padding:8px 12px}
svg{width:1em;height:1em;flex:0 0 auto}
.btn svg,a[href^="tel:"] svg,.gsearch svg,.chip svg,.crumbs svg,.rel-card svg,.svc-card__go svg,.cat a svg{width:1.1em;height:1.1em;flex:0 0 auto}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:100;background:var(--parch);border-bottom:3px solid var(--walnut)}
.masthead{display:flex;align-items:center;gap:22px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:0 1 auto;min-width:0}
.brand__mark{width:46px;height:46px;flex:0 0 46px}
.brand__text{display:flex;flex-direction:column;min-width:0}
.brand__name{font-family:var(--h);font-weight:800;font-size:1.06rem;color:var(--walnut-d);line-height:1.15}
.brand__tag{font-family:var(--h);font-weight:600;font-size:.8rem;color:var(--ink-2);letter-spacing:.04em;text-transform:uppercase}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav>a,.drop>a{font-family:var(--h);font-weight:700;font-size:.97rem;color:var(--ink);text-decoration:none;padding:9px 11px;border-radius:8px;white-space:nowrap;display:inline-flex;align-items:center}
.nav>a:hover,.drop>a:hover{background:var(--paper);color:var(--lake-d)}
.drop{position:relative}
.drop>a::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin:-4px 0 0 8px}
.drop__menu{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--lake);border-radius:0 0 10px 10px;box-shadow:0 14px 30px rgba(31,35,40,.14);padding:8px 0;max-height:min(72vh,560px);overflow-y:auto;overscroll-behavior:contain;z-index:120}
.drop:hover .drop__menu,.drop.is-open .drop__menu{display:block}
.drop::before{content:"";position:absolute;left:0;right:0;top:100%;height:10px}
.drop__menu a{display:block;padding:8px 18px;color:var(--ink);text-decoration:none;font-family:var(--h);font-weight:600;font-size:1rem}
.drop__menu a:hover{background:var(--paper);color:var(--lake-d)}
.menu-close{display:none}
.mast-cta{display:flex;align-items:center;gap:10px;flex:0 0 auto}
.mast-phone{display:inline-flex;align-items:center;gap:8px;background:var(--lake);color:#fff;text-decoration:none;font-family:var(--h);font-weight:800;font-size:1.05rem;padding:10px 18px;border-radius:999px;box-shadow:inset 0 -3px 0 var(--walnut);white-space:nowrap}
.mast-phone:hover{background:var(--lake-d)}
.mast-phone svg{width:18px;height:18px;fill:currentColor}
.nav-toggle{display:none;width:46px;height:46px;border:2px solid var(--walnut);border-radius:10px;background:transparent;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.nav-toggle span{display:block;width:22px;height:2.5px;background:var(--walnut-d);border-radius:2px}
@media (max-width:1240px){
  .nav{display:none}
  .nav-toggle{display:inline-flex}
  .mast-cta{margin-left:auto}
}
body.is-menu{overflow:hidden}
body.is-menu .site-header{z-index:200;background:var(--lake-dd)}
body.is-menu .nav{display:flex;position:fixed;inset:0;z-index:210;background:var(--lake-dd);flex-direction:column;align-items:stretch;gap:2px;padding:78px 24px 40px;overflow-y:auto;margin:0}
body.is-menu .nav>a,body.is-menu .drop>a{color:#fff;font-size:1.15rem;padding:13px 6px;border-bottom:1px solid rgba(255,255,255,.16);border-radius:0;justify-content:space-between;width:100%}
body.is-menu .nav>a:hover,body.is-menu .drop>a:hover{background:transparent}
body.is-menu .drop{position:static}
body.is-menu .drop::before{display:none}
body.is-menu .drop:hover .drop__menu{display:none}
body.is-menu .drop.is-open .drop__menu{display:block;position:static;box-shadow:none;border:0;background:#1d4357;max-height:none;min-width:0;padding:6px 0 10px;border-radius:0}
body.is-menu .drop__menu a{color:var(--on-dark);font-size:1.02rem;padding:9px 14px}
body.is-menu .drop__menu a:hover{background:rgba(255,255,255,.1)}
body.is-menu .menu-close{display:inline-flex;position:fixed;top:14px;right:16px;z-index:220;width:46px;height:46px;align-items:center;justify-content:center;border-radius:10px;border:2px solid rgba(255,255,255,.55);background:transparent;color:#fff;cursor:pointer}
body.is-menu .menu-close svg{width:26px;height:26px;stroke:#fff;stroke-width:2.4;fill:none}

/* ---------- buttons, chips, eyebrows ---------- */
.btn{display:inline-flex;align-items:center;gap:12px;text-decoration:none;border-radius:12px;font-family:var(--h);font-weight:800;cursor:pointer}
.btn--call{background:var(--lake);color:#fff;padding:12px 20px;box-shadow:0 4px 0 var(--walnut-d)}
.btn--call:hover{background:var(--lake-d)}
.btn--call svg{width:24px;height:24px;fill:currentColor}
.btn--lg{padding:14px 24px}
.btn--lg svg{width:28px;height:28px}
.btn__stack{display:flex;flex-direction:column;line-height:1.2}
.btn__num{font-size:1.25rem;letter-spacing:.01em}
.btn--lg .btn__num{font-size:1.45rem}
.btn__sub{font-size:.88rem;font-weight:600;opacity:.95}
.btn--light{background:#fff;color:var(--walnut-d);box-shadow:0 4px 0 rgba(0,0,0,.28)}
.btn--light:hover{background:var(--sky);color:var(--walnut-d)}
.eyebrow{display:inline-block;font-family:var(--h);font-weight:800;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;color:var(--walnut);margin-bottom:8px}
.eyebrow::before{content:"";display:inline-block;width:22px;height:3px;background:var(--grass);vertical-align:middle;margin:-3px 10px 0 0;border-radius:2px}
.eyebrow--light{color:#e8f1e3}
.eyebrow--light::before{background:#a9d391}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.chip{display:inline-flex;align-items:center;gap:7px;background:#fff;color:var(--walnut-d);border:1.5px solid var(--line);border-radius:999px;padding:6px 13px;font-family:var(--h);font-weight:700;font-size:.9rem;line-height:1.3}
.chip svg{color:var(--lake)}
.chips--light .chip{background:rgba(255,255,255,.96);border-color:#fff;color:var(--walnut-d)}
.crumbs{display:flex;flex-wrap:wrap;align-items:center;gap:6px;font-family:var(--h);font-weight:600;font-size:.88rem;margin-bottom:14px;color:var(--ink-2)}
.crumbs a{color:var(--lake-d)}
.gsearch{display:inline-flex;align-items:center;gap:8px;font-family:var(--h);font-weight:700;font-size:1rem;color:var(--walnut-d);background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:7px 14px;text-decoration:none}
.gsearch:hover{border-color:var(--lake)}
.gsearch--light{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}

/* ---------- section scaffolding ---------- */
.section{padding:64px 0}
.band--white{background:var(--white)}
.band--paper{background:var(--paper)}
.band--lake{background:#1f5570;color:var(--on-dark)}
.band--grass{background:#2f5226;color:#fff}
.band--lake h2,.band--lake h3,.band--grass h2,.band--grass h3{color:#fff}
.band--lake p,.band--grass p{color:var(--on-dark)}
.band--lake a,.band--grass a{color:#fff}
.sec-head{max-width:800px;margin-bottom:28px}
.sec-head p{font-size:1.04rem}
.sec-head--center{text-align:center;margin-left:auto;margin-right:auto}
.sec-head--split{max-width:none;display:grid;grid-template-columns:1.1fr 1fr;gap:28px;align-items:end}
.sec-head--split p{margin:0}
.cove{line-height:0;margin:0}
.cove svg{display:block;width:100%;height:34px}
.answer{font-size:1.08rem;font-weight:400;background:#fff;border-left:5px solid var(--lake);padding:16px 18px;border-radius:0 10px 10px 0;margin-bottom:22px}
.cost-note{font-size:1rem}
.prose{max-width:780px}
.prose h2{margin-top:6px}
.prose ul{list-style:none;padding:0;margin:0 0 1.1em}
.prose li{position:relative;padding-left:26px;margin:0 0 .55em}
.prose li::before{content:"";position:absolute;left:4px;top:.65em;width:10px;height:10px;border-radius:50%;background:var(--grass);box-shadow:0 0 0 3px var(--grass-t)}
.prose a,.answer a,.cost-note a,.lead-block a,.ledger a,.attr a,.cat p a,.reach a,.checklist a,.selfcheck a,.risk a,.faq-item a,.tl a,.card a,.legal a,.svc-hero__lead a,.hero__lead a,.sec-head p a,.art-sec a,.takeaways a,.art-lede a,.empty-note a,.cov-note a{text-decoration:underline;text-underline-offset:2px}

/* ---------- homepage hero: photo left in an arch, copy right ---------- */
.hero{padding:44px 0 54px;background:linear-gradient(180deg,var(--parch) 0%,var(--paper) 100%)}
.hero__grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:44px;align-items:center}
.arch{margin:0;border-radius:200px 200px 14px 14px;overflow:hidden;border:6px solid #fff;box-shadow:0 0 0 2px var(--line),0 18px 36px rgba(31,35,40,.14);background:var(--paper)}
.arch img{width:100%;height:100%;object-fit:cover}
.arch--tall{aspect-ratio:4/4.2;max-height:470px}
.hero__media .arch{max-width:500px}
.hero__lead{font-size:1.1rem;margin:4px 0 22px}
.hero__note{display:flex;gap:8px;align-items:flex-start;margin:16px 0 0;font-size:1rem;color:var(--ink-2)}
.hero__note svg{width:18px;height:18px;margin-top:5px;fill:var(--walnut);flex:0 0 18px}

/* ---------- services: 2 feature cards + 12-card grid ---------- */
.svc-features{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:20px}
.svc-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.svc-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--ink);min-width:0;transition:transform .15s ease,box-shadow .15s ease}
.svc-card:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(31,35,40,.12)}
.svc-card__img{display:block;aspect-ratio:3/2;overflow:hidden;border-bottom:4px solid var(--lake)}
.svc-card__img img{width:100%;height:100%;object-fit:cover}
.svc-card__body{display:flex;flex-direction:column;padding:14px 16px 16px;flex:1}
.svc-card__body h3{font-size:1.06rem;margin-bottom:6px}
.svc-card__body p{font-size:1rem;line-height:1.6;margin:0 0 10px;flex:1}
.svc-card__go{display:inline-flex;align-items:center;gap:6px;font-family:var(--h);font-weight:700;font-size:.9rem;color:var(--lake-d)}
.svc-card--feature{flex-direction:row}
.svc-card--feature .svc-card__img{flex:0 0 46%;aspect-ratio:auto;border-bottom:0;border-right:5px solid var(--walnut)}
.svc-card--feature .svc-card__body{padding:20px 22px;justify-content:center}
.svc-card--feature h3{font-size:1.3rem}
.svc-card--feature .svc-card__body p{flex:0;font-size:1.02rem}

/* ---------- first steps: lead + numbered ledger ---------- */
.first{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.first__lead p{font-size:1.04rem}
.ledger{list-style:none;padding:0;margin:0;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.ledger li{display:grid;grid-template-columns:52px 1fr;gap:14px;padding:16px 20px;border-bottom:1px dashed var(--line)}
.ledger li:last-child{border-bottom:0}
.ledger__n{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:var(--walnut);color:#fff;font-family:var(--h);font-weight:800;font-size:1.15rem}
.ledger h3{margin:2px 0 4px;font-size:1.08rem}
.ledger p{margin:0;font-size:1rem;line-height:1.65}
.first__steps h2{margin-bottom:16px}
.lead-block p{font-size:1.06rem}
.call-card{background:var(--lake-d);color:#fff;border-radius:12px;padding:22px 22px 24px;margin-top:20px;border-top:5px solid var(--grass)}
.call-card h3{color:#fff}
.call-card p{color:var(--on-dark)}

/* ---------- standard: wave steps on the lake band ---------- */
.sec-head--light p{color:var(--on-dark)}
.wave-steps{list-style:none;padding:0;margin:8px 0 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;position:relative}
.wave-steps li{background:#1d5069;border:1px solid #4f87a2;border-radius:12px;padding:20px 18px;min-width:0}
.wave-step__n{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:#fff;color:var(--lake-d);font-family:var(--h);font-weight:800;margin-bottom:10px}
.wave-steps h3{font-size:1.08rem;color:#fff}
.wave-steps p{margin:0;font-size:1rem;line-height:1.65;color:var(--on-dark)}

/* ---------- categories ---------- */
.cats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.cat{background:#fff;border:1px solid var(--line);border-top:7px solid var(--lake);border-radius:10px;padding:22px 22px 20px;position:relative;min-width:0}
.cat--2{border-top-color:var(--grass)}
.cat--3{border-top-color:var(--walnut)}
.cat__n{position:absolute;top:14px;right:18px;font-family:var(--h);font-weight:900;font-size:2.4rem;line-height:1;color:#7a6a52}
.cat h3{font-size:1.15rem;padding-right:34px}
.cat p{font-size:1rem}
.cat a{display:inline-flex;align-items:center;gap:6px;font-family:var(--h);font-weight:700;color:var(--lake-d)}

/* ---------- cost ledger ---------- */
.cost{display:grid;grid-template-columns:.95fr 1.05fr;gap:40px;align-items:start}
.tiers{display:grid;gap:14px}
.tier{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px 20px}
.tier__head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.tier__head h3{margin:0;font-size:1.08rem}
.tier__amt{font-family:var(--h);font-weight:800;font-size:1.18rem;color:var(--lake-d)}
.tier__bar{position:relative;height:9px;background:var(--line-2);border-radius:9px;margin:12px 0 12px}
.tier__bar span{position:absolute;top:0;bottom:0;background:linear-gradient(90deg,var(--lake),var(--grass));border-radius:9px}
.tier ul{list-style:none;display:flex;flex-wrap:wrap;gap:6px 18px;font-size:1rem}
.tier li::before{content:"\2713";color:var(--grass-d);font-weight:700;margin-right:6px}
#cost .sec-head+.answer{max-width:900px}
.band--paper .tiers .tier{border-color:var(--line)}

/* ---------- split / attributes ---------- */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.split--text{align-items:start}
.split__media .arch{max-width:440px;margin-left:auto}
.attrs{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:20px}
.attrs--4{grid-template-columns:repeat(4,minmax(0,1fr))}
.attr{display:flex;gap:12px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px;min-width:0}
.attr__ic{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;flex:0 0 42px;border-radius:10px;background:var(--sky);color:var(--lake-d)}
.attr__ic svg{width:22px;height:22px}
.attr h3{font-size:1.02rem;margin:2px 0 4px}
.attr p{font-size:1rem;line-height:1.6;margin:0}

/* ---------- gallery ---------- */
.gallery{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.gallery figure{margin:0;border-radius:10px;overflow:hidden;aspect-ratio:10/7;border:4px solid var(--paper)}
.gallery img{width:100%;height:100%;object-fit:cover}

/* ---------- insurance ---------- */
.claim{display:grid;grid-template-columns:1.25fr .75fr;gap:32px;align-items:start}
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.checklist li{display:flex;gap:10px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-size:1rem;line-height:1.6}
.checklist li svg{width:20px;height:20px;color:var(--grass-d);margin-top:3px;flex:0 0 20px}
.checklist--narrow{max-width:820px}
.selfcheck{background:var(--walnut);color:#fff;border-radius:12px;padding:24px}
.selfcheck h3{color:#fff}
.selfcheck p{color:#f6efe8;font-size:1rem}

/* ---------- coverage ---------- */
.cov{display:grid;grid-template-columns:1.35fr .65fr;gap:28px;align-items:start}
.cov__map{margin:0;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.cov__map figcaption{display:flex;align-items:center;gap:6px;padding:10px 14px;font-family:var(--h);font-weight:700;font-size:.92rem;color:var(--ink-2)}
.cov__map figcaption svg{fill:var(--walnut)}
.cov-lists{margin-top:18px}
.cov-lists h3{font-size:1rem;margin:16px 0 8px}
.chipset{display:flex;flex-wrap:wrap;gap:7px}
.tag{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:6px;padding:5px 11px;font-family:var(--h);font-weight:600;font-size:.9rem;color:var(--ink);text-decoration:none}
a.tag{color:var(--lake-d);border-color:var(--lake);text-decoration:underline}
.tag--zip{background:var(--sky);border-color:var(--sky);color:var(--lake-dd);font-weight:800}
.reach{background:#fff;border:1px solid var(--line);border-top:6px solid var(--lake);border-radius:12px;padding:22px}
.reach__email{margin:14px 0 10px;font-size:1rem;overflow-wrap:anywhere}
.reach__more{margin:12px 0 0}
.foot-email{overflow-wrap:anywhere}
.cov-compact{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center}

/* ---------- local risk on the bluegrass band ---------- */
.risk{display:grid;grid-template-columns:.9fr 1.1fr;gap:30px;align-items:start}
.risk__left img{border-radius:12px;border:4px solid rgba(255,255,255,.85);width:100%;aspect-ratio:16/9;object-fit:cover}
.tl{list-style:none;padding:0;margin:18px 0 0;border-left:3px solid #a9d391}
.tl li{padding:0 0 12px 18px;position:relative}
.tl li::before{content:"";position:absolute;left:-8px;top:7px;width:13px;height:13px;border-radius:50%;background:#fff;border:3px solid #a9d391}
.tl__when{display:block;font-family:var(--h);font-weight:800;color:#fff;font-size:1rem}
.tl p{margin:0;font-size:1rem;line-height:1.6;color:#f2f7ef}
.risk-list{list-style:none;padding:0;display:grid;gap:12px}
.risk-list li{background:#33572a;border:1px solid #5f8a52;border-radius:10px;padding:14px 16px}
.risk-list h3{font-size:1.04rem;margin:0 0 4px;color:#fff}
.risk-list p{margin:0;font-size:1rem;line-height:1.6;color:#f2f7ef}
.band--grass .sec-head p{color:#f2f7ef}

/* ---------- FAQ ---------- */
.faq{display:grid;grid-template-columns:1.5fr .5fr;gap:26px;align-items:start}
.faq__list{display:grid;gap:10px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:10px}
.faq-item summary{cursor:pointer;list-style:none;padding:15px 48px 15px 18px;font-family:var(--h);font-weight:700;font-size:1.04rem;color:var(--walnut-d);position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:18px;top:11px;font-size:1.5rem;color:var(--lake);font-weight:800}
.faq-item[open] summary::after{content:"\2212"}
.faq-item>div{padding:0 18px 14px}
.faq-item p{margin:0;font-size:1rem;line-height:1.7}
.faq-card{background:var(--lake-d);color:#fff;border-radius:12px;padding:22px;position:sticky;top:96px}
.faq-card h3{color:#fff}
.faq-card p{color:var(--on-dark);font-size:1rem}
.faq-card .btn__num{font-size:1.1rem}

/* ---------- CTA band ---------- */
.cta-band{background:var(--walnut);color:#fff;padding:52px 0 60px}
.cta-band__grid{display:grid;grid-template-columns:1.3fr .7fr;gap:32px;align-items:center}
.cta-band h2{color:#fff}
.cta-band p{color:#f6efe8;font-size:1.05rem}
.cta-band__facts{list-style:none;padding:0;display:grid;gap:10px}
.cta-band__facts li{display:flex;align-items:center;gap:10px;font-family:var(--h);font-weight:700;color:#fff;font-size:1rem}
.cta-band__facts svg{width:22px;height:22px;color:#cfe5c3}

/* ---------- service pages ---------- */
.svc-hero{background:var(--lake-d);color:#fff;padding:40px 0 34px}
.svc-hero__grid{display:grid;grid-template-columns:1.12fr .88fr;gap:40px;align-items:center}
.svc-hero h1{color:#fff}
.svc-hero .crumbs,.svc-hero .crumbs span{color:#dbe9f0}
.svc-hero .crumbs a{color:#fff}
.svc-hero__lead{font-size:1.08rem;color:var(--on-dark);margin:6px 0 22px}
.svc-hero__media .arch{border-color:#fff;box-shadow:0 18px 36px rgba(0,0,0,.25);aspect-ratio:4/3.3;max-width:460px;margin-left:auto}
.svc-hero--tool{padding-bottom:30px}
.facts{background:var(--parch);padding:6px 0 0}
.ataglance{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:-6px}
.ataglance__item{background:#fff;border:1px solid var(--line);border-left:6px solid var(--walnut);border-radius:10px;padding:14px 16px;min-width:0}
.ataglance__k{display:block;font-family:var(--h);font-weight:700;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;color:var(--walnut)}
.ataglance__v{display:block;font-family:var(--h);font-weight:800;font-size:1.08rem;color:var(--ink);line-height:1.35}
.first__lead .lead-block{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px 22px}
.first__lead .lead-block p:last-child{margin:0}
.section.ed{padding:48px 0}
.rel-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.rel-grid--2{grid-template-columns:1fr 1fr}
.rel-card{display:flex;justify-content:space-between;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--lake);border-radius:10px;padding:14px 16px;font-family:var(--h);font-weight:700;color:var(--walnut-d);text-decoration:none;min-width:0}
.rel-card:hover{border-left-color:var(--walnut)}
.rel-card--plain{border-left-color:var(--line);color:var(--ink-2)}

/* ---------- inner pages ---------- */
.page-hero{background:linear-gradient(180deg,var(--paper),var(--parch));padding:44px 0 40px;border-bottom:1px solid var(--line)}
.page-hero p{max-width:760px;font-size:1.06rem}
.cards-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-top:5px solid var(--lake);border-radius:10px;padding:20px;min-width:0}
.card h3{display:flex;align-items:center;gap:8px}
.card h3 svg{width:22px;height:22px;color:var(--lake);fill:none}
.card p{font-size:1rem}
.town-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.legal{max-width:780px}
.legal h2{font-size:1.35rem;margin-top:22px}
.sitemap-cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.sitemap-cols h2{font-size:1.2rem}
.sitemap-cols ul{list-style:none;padding:0}
.sitemap-cols li{margin:0 0 6px;font-size:1rem}

/* ---------- tools ---------- */
.tool{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.tool__form,.tool__out{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.tool__out{border-top:6px solid var(--lake)}
.field{margin-bottom:14px}
.field label{display:block;font-family:var(--h);font-weight:700;margin-bottom:6px;color:var(--walnut-d)}
.field select{width:100%;max-width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:8px;font-family:var(--b);font-size:1rem;background:#fff;color:var(--ink)}
.tool__result{font-family:var(--h);font-weight:900;font-size:2.1rem;color:var(--lake-d);margin:4px 0 8px}
.tool__note{font-size:1rem}
.tool__fine{font-size:1rem;margin-top:14px;color:var(--ink-2)}

/* ---------- blog ---------- */
.post-wrap{max-width:760px}
.post-meta{font-family:var(--h);font-weight:600;font-size:.92rem;color:var(--ink-2)}
.article{max-width:680px;margin:0 auto}
.art-fig{margin:0 0 22px;border-radius:12px;overflow:hidden}
.art-fig img{width:100%;aspect-ratio:17/10;object-fit:cover}
.art-lede{font-size:1.12rem}
.takeaways{background:#fff;border:1px solid var(--line);border-left:6px solid var(--grass);border-radius:10px;padding:18px 20px;margin:0 0 24px}
.takeaways h2{font-size:1.2rem}
.takeaways ul{list-style:none;padding:0;display:grid;gap:8px}
.takeaways li{display:flex;gap:10px;font-size:1rem}
.takeaways li svg{width:20px;height:20px;color:var(--grass-d);margin-top:4px}
.toc{background:var(--paper);border-radius:10px;padding:14px 18px;margin:0 0 26px}
.toc__h{font-family:var(--h);font-weight:800;margin:0 0 6px}
.toc ol{padding-left:20px}
.art-sec{margin:0 0 26px}
.art-sec h2{font-size:1.5rem}
.art-list{list-style:none;padding:0;margin:0 0 1em}
.art-list li{position:relative;padding-left:24px;margin-bottom:.5em}
.art-list li::before{content:"";position:absolute;left:4px;top:.65em;width:9px;height:9px;border-radius:50%;background:var(--lake)}
.art-call{display:grid;grid-template-columns:1fr auto;gap:16px;align-items:center;background:var(--lake-d);color:#fff;border-radius:12px;padding:20px;margin:0 0 26px}
.art-call p{color:var(--on-dark);margin:0}
.art-call__h{font-family:var(--h);font-weight:800;font-size:1.15rem;color:#fff !important;margin:0 0 4px !important}
.related-pages{margin-top:30px}
.post-list{list-style:none;padding:0;display:grid;gap:16px}
.post-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px 20px}
.empty-note{font-size:1.04rem}

/* ---------- footer ---------- */
.map-strip{line-height:0;border-top:4px solid var(--walnut)}
.site-footer{background:var(--lake-dd);color:var(--on-dark);padding:46px 0 90px}
.site-footer a{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:28px}
.foot-name{display:block;font-family:var(--h);font-weight:800;font-size:1.15rem;color:#fff;margin-bottom:8px}
.site-footer p{font-size:1rem;color:var(--on-dark)}
.site-footer h3{color:#fff;font-size:1rem;letter-spacing:.06em;text-transform:uppercase}
.foot-list{list-style:none;padding:0}
.foot-list li{margin:0 0 7px;font-size:1rem}
.site-footer .gsearch{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;border-top:1px solid rgba(255,255,255,.18);margin-top:26px;padding-top:16px;font-size:.92rem;font-family:var(--h);font-weight:600}
.callbar{display:none}

/* ---------- responsive ---------- */
@media (max-width:1100px){
  .svc-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .attrs--4{grid-template-columns:1fr 1fr}
  .wave-steps{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .section{padding:48px 0}
  .hero__grid,.svc-hero__grid,.split,.first,.cost,.claim,.cov,.cov-compact,.risk,.faq,.cta-band__grid,.tool,.sec-head--split{grid-template-columns:1fr}
  .hero__grid{gap:26px}
  .hero__copy{order:0}
  .hero__media{order:1}
  .svc-hero__copy{order:0}
  .svc-hero__media{order:1}
  .hero__media .arch,.svc-hero__media .arch,.split__media .arch{max-width:420px;margin:0 auto}
  .arch--tall{aspect-ratio:4/3.4}
  .svc-features{grid-template-columns:1fr}
  .svc-grid{grid-template-columns:1fr 1fr}
  .cats,.cards-3,.town-cards,.rel-grid,.sitemap-cols{grid-template-columns:1fr 1fr}
  .gallery{grid-template-columns:1fr 1fr}
  .ataglance{grid-template-columns:1fr 1fr}
  .faq-card{position:static}
  .foot-grid{grid-template-columns:1fr 1fr}
  .callbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:90;background:var(--lake);border-top:3px solid var(--walnut)}
  .callbar a{display:flex;align-items:center;justify-content:center;gap:10px;color:#fff;text-decoration:none;font-family:var(--h);font-weight:800;font-size:1.08rem;padding:13px 10px}
  .callbar svg{width:20px;height:20px;fill:currentColor}
}
@media (max-width:640px){
  :root{--gutter:16px}
  body{font-size:16.5px}
  .masthead{min-height:66px;gap:10px}
  .brand__mark{width:38px;height:38px;flex-basis:38px}
  .brand__name{font-size:.92rem}
  .brand__tag{font-size:.7rem}
  .mast-phone{width:46px;height:46px;padding:0;justify-content:center}
  .mast-phone span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
  .mast-phone svg{width:20px;height:20px}
  .svc-card--feature{flex-direction:column}
  .svc-card--feature .svc-card__img{flex:none;aspect-ratio:3/2;border-right:0;border-bottom:5px solid var(--walnut)}
  .svc-grid,.cats,.cards-3,.town-cards,.rel-grid,.rel-grid--2,.attrs,.attrs--4,.wave-steps,.sitemap-cols,.foot-grid{grid-template-columns:1fr}
  .ataglance{grid-template-columns:1fr 1fr}
  .ledger li{grid-template-columns:44px 1fr;padding:14px}
  .ledger__n{width:36px;height:36px;font-size:1rem}
  .btn--lg{padding:12px 18px}
  .btn--lg .btn__num{font-size:1.25rem}
  .art-call{grid-template-columns:1fr}
  .tier__head{flex-direction:column;gap:2px}
}
.btn,.btn:hover{text-decoration:none!important}
@media (max-width:640px){
  .svc-grid .svc-card{flex-direction:row;align-items:stretch}
  .svc-grid .svc-card__img{flex:0 0 112px;aspect-ratio:auto;border-bottom:0;border-right:4px solid var(--lake)}
  .svc-grid .svc-card__body{padding:12px 14px}
  .svc-grid .svc-card__body h3{font-size:1rem}
  .svc-grid .svc-card__go{display:none}
}
.section.ed .prose{max-width:860px;margin:0 auto;background:#fff;border:1px solid var(--line-2);border-radius:12px;padding:28px 32px}
.section.ed.band--paper .prose{background:var(--parch)}
@media (max-width:640px){.section.ed .prose{padding:20px 18px}}
@media (max-width:640px){.brand__tag{display:none}.sec-head--split{gap:8px}}