/* Christopher Diaz Trevino - Farmers Insurance — 2026 human-centered rebuild
   Farmers brand palette: #B5342A red, #1B1B1B charcoal, warm paper white.
   Editorial, photography-led, personal voice. No gradients, no icon grids,
   no monument stats, no urgency banners. Asymmetrical, type-driven. */

@import url('https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,400;8..60,500;8..60,600;8..60,700&family=Inter:wght@400;500;600;700&family=JetBrains+Mono:wght@400;500&display=swap');

:root {
  --red: #B5342A;
  --red-dark: #8C2720;
  --red-tint: #FBF0EF;
  --charcoal: #1B1B1B;
  --ink: #2A2A2A;
  --ink-soft: #5C5C5C;
  --rule: #E0DCD7;
  --paper: #FFFFFF;
  --paper-warm: #FAF8F5;
  --gold: #B8945E;
  --max: 1180px;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --mono: "JetBrains Mono", ui-monospace, "SF Mono", monospace;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

body {
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--red); text-decoration: underline; text-underline-offset: 2px; text-decoration-thickness: 1px; }
a:hover { color: var(--red-dark); }
:focus-visible { outline: 2px solid var(--red); outline-offset: 3px; border-radius: 1px; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 28px; }

/* ---------- Header ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 0;
}
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--charcoal); }
.logo:hover { color: var(--charcoal); }
.logo-mark {
  width: 40px; height: 40px;
  background: var(--red);
  border-radius: 4px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-family: var(--mono);
  font-weight: 500;
  font-size: 13px;
  letter-spacing: 0.5px;
  flex-shrink: 0;
}
.logo-text { font-weight: 700; font-size: 17px; letter-spacing: -0.02em; line-height: 1.1; }
.logo-text small { display: block; font-weight: 400; font-size: 11px; color: var(--ink-soft); letter-spacing: 0.02em; margin-top: 2px; }

.nav { display: flex; align-items: center; gap: 28px; }
.nav a {
  color: var(--ink);
  text-decoration: none;
  font-size: 14.5px;
  font-weight: 500;
  transition: color 0.15s;
}
.nav a:hover { color: var(--red); }
.nav-cta {
  background: var(--charcoal);
  color: #fff !important;
  padding: 10px 20px;
  border-radius: 4px;
  font-weight: 600 !important;
  font-size: 14px !important;
  transition: background 0.15s;
}
.nav-cta:hover { background: var(--red); color: #fff !important; }

.header-phone { font-family: var(--mono); font-size: 14px; color: var(--ink); text-decoration: none; font-weight: 500; }
.header-phone:hover { color: var(--red); }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--charcoal); margin: 4px 0; transition: 0.2s; }

/* ---------- Photo Hero ---------- */

.photo-hero {
  position: relative;
  border-bottom: 1px solid var(--rule);
  overflow: hidden;
}
.photo-hero-img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  object-position: center;
}
.photo-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(27,27,27,0.15) 0%, rgba(27,27,27,0.55) 60%, rgba(27,27,27,0.75) 100%);
}
.photo-hero-text {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 0 28px 48px;
  max-width: var(--max);
  margin: 0 auto;
}
.photo-hero-text .inner {
  max-width: 640px;
}
.photo-hero-eyebrow {
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.85);
  margin-bottom: 16px;
}
.photo-hero h1 {
  font-family: var(--serif);
  font-size: clamp(34px, 5vw, 56px);
  font-weight: 700;
  line-height: 1.06;
  letter-spacing: -0.02em;
  color: #fff;
  margin-bottom: 20px;
}
.photo-hero-lede {
  font-size: 18px;
  line-height: 1.55;
  color: rgba(255,255,255,0.88);
  max-width: 44ch;
  margin-bottom: 28px;
}
.photo-hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-block;
  font-size: 15px;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: 4px;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.15s ease;
  font-family: var(--sans);
  line-height: 1;
}
.btn-primary { background: var(--red); color: #fff; border-color: var(--red); }
.btn-primary:hover { background: var(--red-dark); border-color: var(--red-dark); color: #fff; }
.btn-dark { background: var(--charcoal); color: #fff; border-color: var(--charcoal); }
.btn-dark:hover { background: #000; color: #fff; }
.btn-outline { background: transparent; color: var(--charcoal); border-color: var(--charcoal); }
.btn-outline:hover { background: var(--charcoal); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.4); }
.btn-outline-light:hover { background: rgba(255,255,255,0.12); color: #fff; }
.btn-ghost { background: transparent; color: var(--red); border-color: transparent; padding: 14px 0; }
.btn-ghost:hover { color: var(--red-dark); }
.btn-lg { padding: 16px 32px; font-size: 16px; }

/* ---------- Section base ---------- */

.section { padding: 72px 0; border-bottom: 1px solid var(--rule); }
.section-warm { background: var(--paper-warm); }
.section-dark { background: var(--charcoal); color: #E8E5E0; border-bottom: none; }
.section-dark h2 { color: #fff; }
.section-dark p { color: #B0ADA8; }

.section-head { margin-bottom: 48px; max-width: 640px; }
.section-head.center { text-align: center; margin-left: auto; margin-right: auto; }
.section-label {
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 12px;
}
h2 {
  font-family: var(--serif);
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.015em;
  color: var(--charcoal);
}
.section-lede {
  font-size: 17px;
  color: var(--ink-soft);
  max-width: 52ch;
  margin-top: 14px;
  line-height: 1.6;
}
.section-head.center .section-lede { margin-left: auto; margin-right: auto; }

/* ---------- Editorial photo-text block ---------- */

.editorial-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: stretch;
}
.editorial-split.reverse { direction: rtl; }
.editorial-split.reverse > * { direction: ltr; }
.editorial-photo {
  height: 100%;
  min-height: 360px;
  object-fit: cover;
  object-position: center;
  width: 100%;
}
.editorial-text {
  padding: 56px 48px;
  align-self: center;
}
.editorial-text h2 {
  font-size: clamp(26px, 3vw, 36px);
  margin-bottom: 18px;
}
.editorial-text p {
  font-size: 17px;
  color: var(--ink-soft);
  margin-bottom: 16px;
  line-height: 1.7;
}
.editorial-text p strong { color: var(--charcoal); font-weight: 600; }
.editorial-text .btn { margin-top: 12px; }

/* ---------- Inline coverage list (editorial rows, not card grid) ---------- */

.coverage-rows { max-width: 680px; }
.coverage-row {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 32px;
  padding: 32px 0;
  border-bottom: 1px solid var(--rule);
  align-items: start;
}
.coverage-row:first-child { border-top: 1px solid var(--rule); }
.coverage-row-tag {
  font-family: var(--serif);
  font-size: 28px;
  font-weight: 600;
  color: var(--red);
  line-height: 1;
}
.coverage-row-body h3 {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 600;
  color: var(--charcoal);
  margin-bottom: 8px;
}
.coverage-row-body p { font-size: 16px; color: var(--ink-soft); line-height: 1.6; max-width: 50ch; }
.coverage-row-body a { font-size: 14px; font-weight: 600; color: var(--red); text-decoration: none; display: inline-block; margin-top: 8px; }
.coverage-row-body a:hover { color: var(--red-dark); text-decoration: underline; }

/* ---------- Pull quote ---------- */

.pull-quote {
  max-width: 680px;
  margin: 0;
  padding: 0;
}
.pull-quote .mark {
  font-family: var(--serif);
  font-size: 64px;
  line-height: 0.5;
  color: var(--red);
  margin-bottom: 10px;
  display: block;
}
.pull-quote blockquote {
  font-family: var(--serif);
  font-size: clamp(22px, 2.5vw, 30px);
  font-weight: 500;
  line-height: 1.35;
  color: var(--charcoal);
  letter-spacing: -0.01em;
}
.pull-quote cite {
  display: block;
  font-style: normal;
  font-family: var(--sans);
  font-size: 14px;
  color: var(--ink-soft);
  margin-top: 20px;
}

/* ---------- Contact rail (replaces stat grid) ---------- */

.contact-rail {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.contact-rail-item {
  padding: 20px 0;
  border-bottom: 1px solid var(--rule);
}
.contact-rail-item:last-child { border-bottom: none; }
.contact-rail-item .label {
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 6px;
}
.contact-rail-item .value {
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 600;
  color: var(--charcoal);
}
.contact-rail-item a { color: var(--charcoal); text-decoration: none; }
.contact-rail-item a:hover { color: var(--red); }

/* ---------- FAQ ---------- */

.faq-list { max-width: 720px; }
.faq-item { border-bottom: 1px solid var(--rule); }
.faq-item summary {
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 600;
  color: var(--charcoal);
  padding: 22px 0;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 24px;
  color: var(--red);
  font-weight: 400;
  flex-shrink: 0;
}
.faq-item[open] summary::after { content: "\2013"; }
.faq-item p { padding: 0 0 22px; font-size: 15.5px; color: var(--ink-soft); line-height: 1.65; }

/* ---------- Service area list (editorial, not chip grid) ---------- */

.area-list { display: flex; flex-direction: column; }
.area-list-item {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--rule);
  text-decoration: none;
  color: var(--charcoal);
  font-family: var(--serif);
  font-size: 20px;
  font-weight: 600;
  transition: color 0.15s;
}
.area-list-item:first-child { border-top: 1px solid var(--rule); }
.area-list-item:hover { color: var(--red); }
.area-list-item .area-note {
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 400;
  color: var(--ink-soft);
}
.area-list-plain {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--rule);
  color: var(--ink-soft);
  font-family: var(--serif);
  font-size: 20px;
  font-weight: 500;
}
.area-list-plain .area-note {
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 400;
}

/* ---------- City / East County link row ---------- */

.area-grid { display: flex; flex-wrap: wrap; gap: 10px 12px; }
.area-link {
  display: inline-block;
  padding: 8px 14px;
  border: 1px solid var(--rule);
  text-decoration: none;
  color: var(--charcoal);
  font-size: 15px;
}
.area-link:hover { color: var(--red); border-color: var(--red); }
.area-plain {
  display: inline-block;
  padding: 8px 14px;
  color: var(--ink-soft);
  font-size: 15px;
}

/* ---------- CTA banner ---------- */

.cta-banner {
  background: var(--charcoal);
  color: #fff;
  padding: 64px 0;
}
.cta-banner h2 { color: #fff; max-width: 16ch; }
.cta-banner p { color: #B0ADA8; font-size: 17px; margin-top: 12px; max-width: 50ch; }
.cta-banner .photo-hero-cta { margin-top: 28px; }
.cta-banner .btn-primary { background: var(--red); border-color: var(--red); }
.cta-banner .btn-outline-light { color: #fff; border-color: rgba(255,255,255,0.3); }
.cta-banner .btn-outline-light:hover { background: rgba(255,255,255,0.1); color: #fff; }

/* ---------- Quote form ---------- */

.quote-page { padding: 56px 0 80px; }
.quote-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 56px;
  align-items: start;
}
.quote-intro h1 {
  font-family: var(--serif);
  font-size: clamp(30px, 4vw, 44px);
  font-weight: 700;
  line-height: 1.1;
  color: var(--charcoal);
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}
.quote-intro p { font-size: 16.5px; color: var(--ink-soft); margin-bottom: 20px; line-height: 1.65; }
.quote-intro .direct-contact {
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--rule);
}
.quote-intro .direct-contact p { font-size: 14px; margin-bottom: 8px; }
.quote-intro .direct-contact a { font-family: var(--mono); font-size: 16px; font-weight: 500; }

.form-card {
  background: #fff;
  border: 1px solid var(--rule);
  border-radius: 6px;
  padding: 36px;
}
.form-section-label {
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--rule);
}
.field { margin-bottom: 22px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--charcoal);
  margin-bottom: 6px;
}
label .req { color: var(--red); margin-left: 2px; }
label .opt { font-weight: 400; color: var(--ink-soft); font-size: 13px; }
input[type="text"], input[type="tel"], input[type="email"], input[type="number"], input[type="date"], select, textarea {
  width: 100%;
  font-family: var(--sans);
  font-size: 15px;
  color: var(--ink);
  background: var(--paper-warm);
  border: 1px solid var(--rule);
  border-radius: 4px;
  padding: 12px 14px;
  transition: border-color 0.15s, box-shadow 0.15s;
}
input[type="date"] {
  -webkit-appearance: none;
  appearance: none;
  min-height: 44px;
}
input[type="date"]::-webkit-calendar-picker-indicator {
  cursor: pointer;
  opacity: 0.6;
}
input[type="date"]::-webkit-calendar-picker-indicator:hover {
  opacity: 1;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(181, 52, 42, 0.1);
  background: #fff;
}
textarea { resize: vertical; min-height: 100px; }
select { cursor: pointer; appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12' fill='none' stroke='%231B1B1B' stroke-width='2'%3E%3Cpath d='M3 5l3 3 3-3'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }
.hp { position: absolute; left: -9999px; top: 0; width: 1px; height: 1px; overflow: hidden; opacity: 0; }

.consent-row { margin-bottom: 24px; }
.consent-row label { display: flex; align-items: flex-start; gap: 10px; font-size: 13.5px; font-weight: 400; color: var(--ink-soft); line-height: 1.5; cursor: pointer; }
.consent-row input[type="checkbox"] { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--red); flex-shrink: 0; }

.form-submit { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.form-submit .btn { min-width: 160px; text-align: center; }
.form-submit-note { font-size: 13px; color: var(--ink-soft); }

.form-status {
  display: none;
  margin-top: 20px;
  padding: 16px 20px;
  border-radius: 4px;
  font-size: 14.5px;
}
.form-status.show { display: block; }
.form-status.success { background: #E8F5E9; border: 1px solid #C8E6C9; color: #2E7D32; }
.form-status.error { background: var(--red-tint); border: 1px solid #E0C0BC; color: var(--red-dark); }
.form-status.loading { background: var(--paper-warm); border: 1px solid var(--rule); color: var(--ink-soft); }

/* thank-you state */
.quote-thankyou { display: none; text-align: center; padding: 40px 20px; }
.quote-thankyou.show { display: block; }
.quote-thankyou .check {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: #2E7D32;
  color: #fff;
  font-size: 28px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
}
.quote-thankyou h2 { margin-bottom: 12px; }
.quote-thankyou p { font-size: 16px; color: var(--ink-soft); max-width: 40ch; margin: 0 auto 8px; }

/* ---------- Page hero (interior pages) ---------- */

.page-hero { padding: 56px 0 40px; border-bottom: 1px solid var(--rule); }
.page-hero h1 {
  font-family: var(--serif);
  font-size: clamp(30px, 4.5vw, 48px);
  font-weight: 700;
  line-height: 1.08;
  letter-spacing: -0.02em;
  color: var(--charcoal);
  margin-bottom: 16px;
  max-width: 20ch;
}
.page-hero p { font-size: 18px; color: var(--ink-soft); max-width: 54ch; line-height: 1.6; }

.breadcrumb { padding: 16px 0 0; font-size: 13px; color: var(--ink-soft); }
.breadcrumb a { color: var(--ink-soft); text-decoration: none; }
.breadcrumb a:hover { color: var(--red); text-decoration: underline; }
.breadcrumb span { color: var(--charcoal); font-weight: 500; }

/* ---------- Interior content ---------- */

.prose { max-width: 680px; }
.prose h2 {
  font-family: var(--serif);
  font-size: 28px;
  font-weight: 700;
  color: var(--charcoal);
  margin: 40px 0 14px;
  line-height: 1.2;
}
.prose h2:first-child { margin-top: 0; }
.prose h3 {
  font-family: var(--sans);
  font-size: 20px;
  font-weight: 700;
  color: var(--charcoal);
  margin: 32px 0 10px;
}
.prose p { font-size: 16.5px; color: var(--ink); margin-bottom: 16px; line-height: 1.7; }
.prose ul { list-style: none; margin: 16px 0 24px; padding: 0; }
.prose ul li { padding: 6px 0 6px 24px; position: relative; font-size: 16px; color: var(--ink); line-height: 1.6; }
.prose ul li::before { content: "\2014"; position: absolute; left: 0; color: var(--red); font-weight: 400; }
.prose strong { font-weight: 600; color: var(--charcoal); }

/* two-column interior */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }

/* feature list (editorial, for RE agents / lenders) */
.feature-list { display: flex; flex-direction: column; gap: 36px; }
.feature-item h3 {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 600;
  color: var(--charcoal);
  margin-bottom: 8px;
}
.feature-item p { font-size: 16px; color: var(--ink-soft); line-height: 1.6; }

/* checklist */
.checklist { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 28px; margin: 24px 0; }
.checklist li { display: flex; align-items: flex-start; gap: 12px; font-size: 15.5px; color: var(--ink); padding: 6px 0; }
.checklist li::before { content: ""; flex: none; width: 20px; height: 20px; margin-top: 2px; background: var(--red-tint); border-radius: 3px; position: relative; }
.checklist li::after { content: "\2713"; position: absolute; left: 4px; top: 0; color: var(--red); font-weight: 700; font-size: 14px; width: 20px; text-align: center; line-height: 24px; }

/* deal cards (lenders) */
.deal-cards { display: flex; flex-direction: column; gap: 16px; }
.deal-card {
  border: 1px solid var(--rule);
  border-left: 3px solid var(--red);
  border-radius: 4px;
  padding: 24px 26px;
  background: #fff;
}
.deal-card .tag {
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 10px;
  display: block;
}
.deal-card p { font-size: 15.5px; color: var(--ink); line-height: 1.6; }

/* comparison table (life insurance) */
.compare-table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 15px; }
.compare-table th, .compare-table td { padding: 16px 18px; text-align: left; border-bottom: 1px solid var(--rule); vertical-align: top; }
.compare-table th { font-family: var(--sans); font-weight: 600; color: var(--charcoal); background: var(--paper-warm); font-size: 14px; }
.compare-table td:first-child { font-weight: 600; color: var(--charcoal); width: 140px; }
.compare-table tr:hover td { background: var(--paper-warm); }

/* map */
.map-embed { margin-top: 32px; border-radius: 6px; overflow: hidden; border: 1px solid var(--rule); position: relative; padding-bottom: 36%; height: 0; }
.map-embed iframe { position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: 0; }

/* ---------- Full-bleed image strip ---------- */

.full-bleed {
  width: 100%;
  height: 320px;
  object-fit: cover;
  object-position: center;
}

/* ---------- Footer ---------- */

.site-footer {
  background: var(--charcoal);
  color: #B0ADA8;
  padding: 56px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand .logo-text { color: #fff; }
.footer-brand .logo-text small { color: #807D78; }
.footer-brand p { margin-top: 16px; font-size: 14px; line-height: 1.6; max-width: 36ch; }
.footer-col h3 {
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 14px;
}
.footer-col a { display: block; color: #B0ADA8; text-decoration: none; font-size: 14px; padding: 4px 0; }
.footer-col a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid #333;
  padding-top: 24px;
  font-size: 12.5px;
  color: #807D78;
  line-height: 1.6;
  max-width: 80ch;
}

/* ---------- Legal pages ---------- */

.legal-page { max-width: 720px; margin: 0 auto; padding: 56px 0 80px; }
.legal-page h1 {
  font-family: var(--serif);
  font-size: clamp(28px, 4vw, 38px);
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}
.legal-meta {
  font-family: var(--mono);
  font-size: 13px;
  color: var(--ink-soft);
  line-height: 1.8;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--rule);
  margin-bottom: 28px;
}
.legal-page h2 { font-family: var(--serif); font-size: 22px; font-weight: 700; color: var(--charcoal); margin: 32px 0 10px; }
.legal-page p { font-size: 16px; color: var(--ink); margin-bottom: 14px; line-height: 1.7; }
.legal-page strong { font-weight: 600; color: var(--charcoal); }

/* ---------- Responsive ---------- */

@media (max-width: 900px) {
  .editorial-split, .editorial-split.reverse { grid-template-columns: 1fr; direction: ltr; }
  .editorial-photo { min-height: 280px; }
  .editorial-text { padding: 40px 28px; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .quote-grid { grid-template-columns: 1fr; gap: 36px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .coverage-row { grid-template-columns: 80px 1fr; gap: 20px; }
  .photo-hero-img { height: 420px; }
}

@media (max-width: 700px) {
  .nav { display: none; }
  .nav.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: #fff;
    flex-direction: column;
    padding: 20px 28px 24px;
    gap: 16px;
    border-bottom: 1px solid var(--rule);
    box-shadow: 0 8px 16px rgba(0,0,0,0.08);
  }
  .nav-toggle { display: block; }
  .header-phone { display: none; }
  .section { padding: 48px 0; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .checklist { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .form-card { padding: 24px 20px; }
  .form-card input, .form-card select, .form-card textarea { min-height: 44px; }
  .form-card .consent-row input[type="checkbox"] { width: 24px; height: 24px; }
  .compare-table { font-size: 14px; }
  .compare-table th, .compare-table td { padding: 12px 10px; }
  .compare-table td:first-child { width: 100px; }
  .photo-hero-img { height: 380px; }
  .full-bleed { height: 240px; }
  .photo-hero h1 { font-size: 32px; }
}

@media (max-width: 480px) {
  .wrap { padding: 0 20px; }
  .page-hero h1 { font-size: 28px; }
  .logo-text { font-size: 15px; }
  .logo-text small { display: none; }
  .editorial-text { padding: 32px 20px; }
}