/* Bronson Claims — preview styles (inspired by pilotcat layout patterns; original branding) */
:root {
  --blue: #043997;
  --blue-deep: #03266a;
  --blue-mid: #1a56c4;
  --blue-soft: #d6e2fb;
  --blue-tint: #bcc9fa;
  --ink: #1a1f2c;
  --muted: #5a6270;
  --line: #e3e7ef;
  --bg: #ffffff;
  --bg-alt: #f4f6fb;
  --bg-dark: #0f1a33;
  --white: #fff;
  --radius: 4px;
  --shadow: 0 10px 30px rgba(4, 57, 151, 0.08);
  --max: 1140px;
  --font-display: "Palatino Linotype", "Book Antiqua", Palatino, serif;
  --font-body: "Palatino Linotype", "Book Antiqua", Palatino, "Times New Roman", serif;
  --font-ui: "Palatino Linotype", "Book Antiqua", Palatino, serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--bg);
  font-family: var(--font-body);
  font-size: 1.05rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-mid); }
h1,h2,h3,h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.2;
  color: var(--blue-deep);
  margin: 0 0 0.6em;
}
p { margin: 0 0 1em; }
ul { margin: 0 0 1em; padding-left: 1.2em; }
.container { width: min(100% - 2.5rem, var(--max)); margin-inline: auto; }
.eyebrow {
  font-family: var(--font-ui);
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--blue);
  font-weight: 700;
  margin-bottom: 0.75rem;
}
.underline {
  display: inline-block;
  width: 48px;
  height: 3px;
  background: var(--blue);
  margin: 0.4rem 0 1.25rem;
}
.topbar { background: var(--blue-deep); color: var(--white); font-size: 0.9rem; }
.topbar .container {
  display: flex; justify-content: space-between; align-items: center;
  gap: 1rem; padding: 0.45rem 0; flex-wrap: wrap;
}
.topbar a { color: var(--white); }
.topbar a:hover { color: var(--blue-tint); }
.topbar-cta {
  background: var(--blue-mid); padding: 0.25rem 0.75rem;
  border-radius: 999px; font-size: 0.8rem; letter-spacing: 0.04em;
}
.site-header {
  background: var(--white); border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 50;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1.5rem; padding: 0.7rem 0; position: relative;
}
.brand { display: flex; align-items: center; gap: 0.85rem; color: inherit; }
.brand img { width: 64px; height: auto; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-text strong {
  font-family: var(--font-display); font-size: 1.05rem;
  color: var(--blue-deep); letter-spacing: 0.04em;
}
.brand-text span {
  font-size: 0.72rem; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--muted);
}
.nav { display: flex; align-items: center; gap: 1.35rem; }
.nav a {
  font-family: var(--font-ui); font-size: 0.82rem; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--ink); font-weight: 600;
}
.nav a:hover, .nav a.active { color: var(--blue); }
.nav .btn { color: var(--white) !important; }
.nav .btn:hover { color: var(--white) !important; }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 0.45rem 0.7rem;
  font-family: var(--font-ui); letter-spacing: 0.08em;
  text-transform: uppercase; font-size: 0.75rem; cursor: pointer;
}
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.45rem;
  background: var(--blue); color: var(--white) !important;
  padding: 0.85rem 1.4rem; border-radius: var(--radius);
  font-family: var(--font-ui); font-size: 0.82rem; letter-spacing: 0.1em;
  text-transform: uppercase; font-weight: 700; border: 2px solid var(--blue);
  transition: 0.2s ease;
}
.btn:hover { background: var(--blue-deep); border-color: var(--blue-deep); }
.btn-ghost { background: transparent; color: var(--white) !important; border-color: var(--white); }
.btn-ghost:hover { background: rgba(255,255,255,0.12); }
.btn-outline { background: transparent; color: var(--blue) !important; border-color: var(--blue); }
.btn-outline:hover { background: var(--blue); color: var(--white) !important; }
.btn-row { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-top: 1.5rem; }
.hero {
  position: relative; color: var(--white);
  background-color: #03266a;
  min-height: 0; display: flex; align-items: center;
  padding: 4.25rem 0 4rem; overflow: hidden;
}
.hero-slides {
  position: absolute; inset: 0;
  z-index: 0; overflow: hidden; pointer-events: none;
}
.hero-slide {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center 40%;
  background-repeat: no-repeat;
  opacity: 0;
  transition: opacity 1.7s ease-in-out;
  animation: hero-kenburns 28s ease-in-out infinite alternate;
  will-change: opacity, transform;
}
.hero-slide.is-active { opacity: 1; }
.hero-slide--car { background-position: center 45%; background-size: cover; animation-name: none; }
.hero-slide--flood { background-position: center center; }
.hero-slide--lightning { background-position: center 85%; }
@keyframes hero-kenburns {
  from { transform: scale(1) translate3d(0,0,0); }
  to { transform: scale(1.08) translate3d(-1.2%, -0.6%, 0); }
}
/* Navy overlay: lightened ~35% earlier, then darkened slightly (~+14%) for text legibility,
   slightly stronger on the left so headline text stays readable. */
.hero::before {
  content: "";
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(105deg, rgba(10,12,18,0.72) 0%, rgba(14,16,24,0.55) 45%, rgba(8,10,16,0.45) 100%);
  pointer-events: none;
}
.hero .hero-grid { z-index: 2; }
.hero h1, .hero p, .hero .eyebrow {
  text-shadow: 0 2px 14px rgba(15,26,51,0.7), 0 1px 3px rgba(15,26,51,0.55);
}
.photo-band {
  position: relative;
  color: var(--white);
  background-color: #0f1a33;
  background-image:
    linear-gradient(100deg, rgba(3,38,106,0.57) 0%, rgba(15,26,51,0.46) 55%, rgba(15,26,51,0.36) 100%),
    url("../assets/band_barn_fire.jpg");
  background-size: cover;
  background-position: center;
  padding: 4.5rem 0;
}
.photo-band h2 { color: var(--white); text-shadow: 0 2px 14px rgba(15,26,51,0.7), 0 1px 3px rgba(15,26,51,0.55); }
.photo-band p { color: rgba(255,255,255,0.9); max-width: 36rem; text-shadow: 0 2px 12px rgba(15,26,51,0.65); }
.about-photo {
  width: 100%;
  max-width: 320px;
  border-radius: 50%;
  aspect-ratio: 1;
  object-fit: cover;
  object-position: center center;
  border: 4px solid var(--blue-soft);
  box-shadow: var(--shadow);
  background: #2a2a2a;
  margin: 0 auto 1.25rem;
  display: block;
}
.about-photo-wrap { text-align: center; }
blockquote.panel p:first-child { margin-top: 0; }
@media (max-width: 640px) {
  .topbar .container { flex-direction: column; align-items: flex-start; gap: 0.35rem; }
  .topbar-cta { display: inline-block; margin-top: 0.15rem; }
  .brand img { width: 52px; }
  .hero { padding: 3.25rem 0 3rem; }
  .hero-slide--car { background-size: cover; background-position: center 30%; }
  .about-photo { max-width: 240px; }
}
.hero-grid {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.3fr 0.9fr;
  gap: 2.5rem; align-items: center;
}
.hero h1, .hero h1.hero-title {
  color: var(--white); font-size: clamp(1.45rem, 2.8vw, 2.2rem);
  margin-bottom: 0.4em;
}
.hero p { color: rgba(255,255,255,0.9); font-size: 1.15rem; max-width: 36rem; }
.hero-card {
  background: rgba(15,26,51,0.45); border: 1px solid rgba(255,255,255,0.20);
  backdrop-filter: blur(8px); padding: 1.5rem; border-radius: 8px;
}
.hero-card h3 {
  color: var(--white); font-size: 1rem; letter-spacing: 0.08em; text-transform: uppercase;
}
.hero-card ul { list-style: none; padding: 0; margin: 0.75rem 0 0; }
.hero-card li {
  padding: 0.55rem 0; border-top: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.92); font-size: 0.98rem;
}
.hero-card li:first-child { border-top: 0; }
.section { padding: 4.5rem 0; }
.section-alt { background: var(--bg-alt); }
.section-dark { background: var(--bg-dark); color: rgba(255,255,255,0.9); }
.section-dark h2, .section-dark h3 { color: var(--white); }
.section-head { max-width: 40rem; margin-bottom: 2.25rem; }
.section-head.center { text-align: center; margin-inline: auto; }
.section-head.center .underline { margin-inline: auto; }
.path-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.path-card {
  background: var(--white); border: 1px solid var(--line); border-radius: 8px;
  padding: 2rem; box-shadow: var(--shadow); display: flex; flex-direction: column; min-height: 100%;
}
.path-card h3 { font-size: 1.45rem; margin-bottom: 0.4rem; }
.path-card p { flex: 1; color: var(--muted); }
.path-card .tag {
  display: inline-block; background: var(--blue-soft); color: var(--blue-deep);
  font-size: 0.72rem; letter-spacing: 0.12em; text-transform: uppercase;
  padding: 0.3rem 0.65rem; border-radius: 999px; margin-bottom: 1rem;
  font-family: var(--font-ui); font-weight: 700;
}
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: 8px;
  padding: 1.6rem 1.4rem; transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.card-icon {
  width: 48px; height: 48px; border-radius: 50%; background: var(--blue-soft);
  color: var(--blue); display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 700; margin-bottom: 1rem; font-size: 1rem;
}
.card h3 { font-size: 1.15rem; }
.card p { color: var(--muted); margin: 0; font-size: 0.98rem; }
.tile-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.tile {
  background: var(--blue-deep); color: var(--white); border-radius: 8px;
  min-height: 180px; padding: 1.4rem; display: flex; flex-direction: column;
  justify-content: flex-end; position: relative; overflow: hidden;
}
.tile::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(160deg, rgba(26,86,196,0.55), rgba(3,38,106,0.95));
}
.tile > * { position: relative; z-index: 1; }
.tile h3 {
  color: var(--white); font-size: 1rem; letter-spacing: 0.08em;
  text-transform: uppercase; margin: 0;
}
.tile p { margin: 0.4rem 0 0; font-size: 0.92rem; color: rgba(255,255,255,0.85); }
.banner {
  position: relative; padding: 4.5rem 0;
  background:
    linear-gradient(90deg, rgba(3,38,106,0.92), rgba(4,57,151,0.75)),
    linear-gradient(135deg, #03266a, #1a56c4);
  color: var(--white);
}
.banner h2 { color: var(--white); font-size: clamp(1.8rem, 3.5vw, 2.6rem); max-width: 18ch; }
.banner p { max-width: 36rem; color: rgba(255,255,255,0.9); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items: start; }
.panel {
  background: var(--white); border: 1px solid var(--line); border-radius: 8px; padding: 1.5rem;
}
.panel h3 { font-size: 1.15rem; }
.value-list { list-style: none; padding: 0; margin: 0; }
.value-list li {
  display: grid; grid-template-columns: 42px 1fr; gap: 0.9rem;
  padding: 1rem 0; border-bottom: 1px solid var(--line);
}
.value-list li:last-child { border-bottom: 0; }
.value-list .mark {
  width: 42px; height: 42px; border-radius: 50%; background: var(--blue); color: var(--white);
  display: grid; place-items: center; font-family: var(--font-display); font-size: 0.85rem; font-weight: 700;
}
.value-list strong {
  display: block; color: var(--blue-deep); font-family: var(--font-display); margin-bottom: 0.2rem;
}
.value-list span { color: var(--muted); font-size: 0.95rem; }
.placeholder {
  border: 2px dashed #b8c3de; background: #eef2fb; color: #3a4a6b;
  padding: 1.25rem 1.4rem; border-radius: 8px; font-style: italic;
}
.placeholder strong { font-style: normal; color: var(--blue-deep); }
.page-hero {
  background: var(--bg-alt); border-bottom: 1px solid var(--line); padding: 3rem 0 2.4rem;
}
.page-hero h1 { font-size: clamp(2rem, 4vw, 2.8rem); margin-bottom: 0.35em; }
.page-hero p { color: var(--muted); max-width: 40rem; margin: 0; }
.faq details {
  background: var(--white); border: 1px solid var(--line); border-radius: 8px;
  padding: 1rem 1.2rem; margin-bottom: 0.75rem;
}
.faq summary {
  cursor: pointer; font-family: var(--font-display); font-weight: 700;
  color: var(--blue-deep); list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; float: right; color: var(--blue); }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 0.85rem 0 0.2rem; color: var(--muted); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-grid .full { grid-column: 1 / -1; }
label {
  display: block; font-size: 0.85rem; letter-spacing: 0.04em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 0.35rem; font-family: var(--font-ui);
}
input, select, textarea {
  width: 100%; padding: 0.8rem 0.9rem; border: 1px solid var(--line);
  border-radius: var(--radius); font: inherit; background: var(--white); color: var(--ink);
}
textarea { min-height: 140px; resize: vertical; }
.form-note { font-size: 0.9rem; color: var(--muted); margin-top: 0.75rem; }
.contact-grid { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 1.5rem; }
.info-list { list-style: none; padding: 0; margin: 0; }
.info-list li { padding: 0.7rem 0; border-bottom: 1px solid var(--line); }
.info-list strong {
  display: block; font-family: var(--font-display); font-size: 0.85rem;
  letter-spacing: 0.06em; text-transform: uppercase; color: var(--blue); margin-bottom: 0.2rem;
}
.site-footer {
  background: var(--bg-dark); color: rgba(255,255,255,0.82);
  padding: 3.5rem 0 1.5rem; font-size: 0.95rem;
}
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2rem; margin-bottom: 2.5rem;
}
.site-footer h4 {
  color: var(--white); font-size: 0.85rem; letter-spacing: 0.12em;
  text-transform: uppercase; margin-bottom: 1rem;
}
.site-footer a { color: rgba(255,255,255,0.82); }
.site-footer a:hover { color: var(--blue-tint); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.45rem; }
.footer-brand { display: flex; gap: 0.85rem; align-items: flex-start; margin-bottom: 1rem; }
.footer-brand img { width: 56px; }
.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.12); padding-top: 1.25rem;
  display: flex; flex-wrap: wrap; gap: 0.75rem 1.5rem; justify-content: space-between;
  font-size: 0.85rem; color: rgba(255,255,255,0.65);
}
.muted { color: var(--muted); }
.license-strip {
  background: var(--blue-soft); color: var(--blue-deep);
  padding: 0.85rem 0; font-size: 0.88rem; text-align: center;
}
@media (max-width: 980px) {
  .hero-grid, .path-grid, .split, .contact-grid { grid-template-columns: 1fr; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .tile-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-toggle { display: inline-flex; }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    background: var(--white); border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: stretch; padding: 1rem 1.25rem 1.25rem; gap: 0.85rem;
  }
  .nav.open { display: flex; }
}
@media (max-width: 640px) {
  .card-grid, .tile-grid, .footer-grid, .form-grid { grid-template-columns: 1fr; }
  .brand-text strong { font-size: 0.92rem; }
  .hero { min-height: auto; padding: 3.5rem 0 3rem; }
  .section { padding: 3.25rem 0; }
}

.brand-text .est,
.est {
  display: block;
  font-family: var(--font-ui);
  font-size: 0.68rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--blue);
  font-weight: 700;
  margin-top: 0.28rem;
}
.est-footer {
  color: var(--blue-tint) !important;
  margin-top: 0.25rem;
}
.timeline { list-style: none; padding: 0; margin: 0; }
.timeline li {
  position: relative;
  padding: 0 0 1.75rem 1.35rem;
  border-left: 2px solid var(--blue-soft);
}
.timeline li:last-child { padding-bottom: 0; }
.timeline li::before {
  content: "";
  position: absolute;
  left: -7px; top: 0.35rem;
  width: 12px; height: 12px;
  border-radius: 50%;
  background: var(--blue);
  border: 2px solid var(--white);
  box-shadow: 0 0 0 2px var(--blue-soft);
}
.timeline .years {
  font-family: var(--font-ui);
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  font-weight: 700;
  margin-bottom: 0.25rem;
}
.timeline h3 { font-size: 1.15rem; margin-bottom: 0.35rem; }
.timeline ul { margin: 0.4rem 0 0; color: var(--muted); }
@media (max-width: 640px) {
  .brand-text .est { font-size: 0.62rem; letter-spacing: 0.14em; }
}

.ce-list { list-style: none; padding: 0; margin: 0; }
.ce-list li {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.75rem 1.25rem;
  align-items: baseline;
  padding: 0.95rem 0;
  border-bottom: 1px solid var(--line);
}
.ce-list li:last-child { border-bottom: 0; }
.ce-list .ce-title { font-family: var(--font-display); color: var(--blue-deep); font-weight: 700; font-size: 1.02rem; }
.ce-list .ce-meta { color: var(--muted); font-size: 0.92rem; margin-top: 0.2rem; }
.ce-list .ce-hours {
  font-family: var(--font-ui); font-size: 0.78rem; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--blue); font-weight: 700; white-space: nowrap;
}
@media (max-width: 640px) {
  .ce-list li { grid-template-columns: 1fr; gap: 0.25rem; }
}

/* Top bar: services line + symmetric phone / CTA / city row */
.topbar .container.topbar-inner {
  display: flex; flex-direction: column; align-items: center;
  gap: 0.3rem; padding: 0.45rem 0; text-align: center;
}
.topbar-services { font-size: 0.85rem; letter-spacing: 0.02em; }
.topbar-row {
  display: grid; grid-template-columns: 1fr auto 1fr;
  align-items: center; column-gap: 1.25rem; width: 100%;
}
.topbar-phone { justify-self: end; }
.topbar-city { justify-self: start; }
@media (max-width: 640px) {
  .topbar .container.topbar-inner { flex-direction: column; align-items: center; }
  .topbar-services { font-size: 0.78rem; line-height: 1.45; }
  .topbar-row { column-gap: 0.75rem; font-size: 0.82rem; }
  .topbar-cta { margin-top: 0; }
}

/* Hero firm name with Est. line */
.hero-firm-name, .hero-firm-est { display: block; }
.hero-firm-est { font-size: 0.72em; margin-top: 0; line-height: 1.1; opacity: 0.9; }
.hero-firm-name { line-height: 1.25; }
@media (max-width: 640px) {
  .hero-firm { text-align: center; }
}

/* Hero headline: three centered lines on phones */
@media (max-width: 640px) {
  .hero-title { text-align: center; font-size: 1.75rem; line-height: 1.2; }
  .hero-title span { display: block; white-space: nowrap; }
}
@media (max-width: 640px) {
  .hero-title { font-size: min(1.75rem, 6.2vw); }
  .topbar-row > * { white-space: nowrap; }
  .topbar-row { font-size: min(0.82rem, 3.4vw); column-gap: 0.6rem; }
  .topbar-cta { font-size: min(0.8rem, 3.2vw); padding: 0.25rem 0.6rem; }
}
@media (max-width: 640px) {
  .hero h1.hero-title { font-size: min(1.75rem, 6.2vw); text-align: center; line-height: 1.2; }
  .hero-grid > * { min-width: 0; }
}

/* FAQ page */
.faq-hero { padding: 4rem 0 3.5rem; }
.faq-hero h1.faq-hero-title { font-style: normal; margin: 0.4rem 0 0.8rem; }
.faq-hero .lead { color: rgba(255,255,255,0.9); max-width: 36rem; }
.faq { max-width: 880px; }
.faq-group { margin-bottom: 2.75rem; }
.faq-group-title { margin-bottom: 0.4rem; }
@media (max-width: 640px) { .faq-hero { text-align: center; } .faq-hero .lead { margin-left:auto; margin-right:auto; } }
/* Header brand: Consultants matches Bronson Claims, centered under it */
.brand-text { align-items: center; text-align: center; }
.brand-text strong.brand-sub { margin-top: 0.05rem; }

@media (prefers-reduced-motion: reduce) {
  .hero-slide {
    animation: none;
    transition: none;
    transform: none;
  }
}

/* Bigger header business name */
.brand-text strong { font-size: 1.42rem; }
.brand img { width: 74px; }
.brand-text .est { font-size: 0.74rem; }
@media (max-width: 900px) { .brand-text strong { font-size: 1.15rem; } .brand img { width: 58px; } }
@media (max-width: 640px) { .brand-text strong { font-size: 1.02rem; } .brand img { width: 52px; } }
.hero p.hero-tagline { font-family: var(--font-display); font-size: clamp(1.05rem,1.6vw,1.3rem); letter-spacing: 0.06em; color: var(--white, #fff); margin: -0.35rem 0 0.9rem; }
@media (max-width: 640px) { .hero p.hero-tagline { text-align: center; } }
.hero p.eyebrow.hero-firm { font-size: clamp(1.1rem, 1.9vw, 1.38rem); }
/* Phones: center the business name in the header bar */
@media (max-width: 640px) {
  .header-inner .brand { flex: 1; min-width: 0; }
  .header-inner .brand-text { flex: 1; align-items: center; text-align: center; }
}
.hero-headline { display: inline-block; max-width: 100%; }
.hero-headline .hero-title { margin-bottom: 0.5rem; }
.hero p.hero-tagline { text-align: center; max-width: none; }
@media (max-width: 640px) { .hero-headline { display: block; } }
/* Nudge tagline slightly left of headline center */
@media (min-width: 641px) { .hero p.hero-tagline { position: relative; left: -2.5rem; } }
@media (max-width: 640px) { .hero p.hero-tagline { font-size: 0.9rem; letter-spacing: 0.02em; } }
/* Centered hero column */
.hero-main { text-align: center; }
.hero-main p { margin-left: auto; margin-right: auto; }
.hero-main .hero-headline { display: block; }
.hero .hero-main p.eyebrow.hero-firm { font-size: clamp(1.3rem, 2.5vw, 1.85rem); letter-spacing: 0.24em; max-width: none; margin-bottom: 0.6rem; }
.hero .hero-main p.hero-tagline { left: 0; text-align: center; }
.hero-main .btn-row { justify-content: center; }
@media (max-width: 640px) { .hero .hero-main p.eyebrow.hero-firm { font-size: 1.15rem; letter-spacing: 0.14em; } }
@media (min-width: 641px) { .hero .hero-main p.eyebrow.hero-firm { font-size: clamp(1.2rem, 2.1vw, 1.6rem); letter-spacing: 0.15em; white-space: nowrap; } }
/* Brighter hero paragraph */
.hero .hero-main > p:not(.eyebrow):not(.hero-tagline) { color: #fff; text-shadow: 0 1px 6px rgba(0,0,0,0.55); }
/* Shift centered hero column slightly left on wide screens */
@media (min-width: 901px) { .hero-main { position: relative; left: -0.9rem; } }
/* Hero sizing: smaller headline, bigger tagline and firm name */
.hero .hero-main .hero-title { font-size: clamp(1.45rem, 2.5vw, 1.95rem); }
.hero .hero-main p.hero-tagline { font-size: clamp(1.15rem, 2vw, 1.6rem); }
@media (min-width: 641px) { .hero .hero-main p.eyebrow.hero-firm { font-size: clamp(1.3rem, 2.4vw, 1.85rem); letter-spacing: 0.12em; } }
@media (max-width: 640px) { .hero .hero-main p.hero-tagline { font-size: 0.98rem; letter-spacing: 0.01em; white-space: nowrap; } }
@media (max-width: 640px) { .hero .hero-main p.hero-tagline { font-size: min(0.98rem, 4.3vw); } }
@media (max-width: 640px) { .hero .hero-main p.hero-tagline { white-space: normal; font-size: 1.1rem; letter-spacing: 0.04em; } .hero .hero-main p.hero-tagline span { display: block; } }
/* Scale whole site to 80% on desktop screens (owner preferred the 80% browser-zoom look) */
@media (min-width: 1024px) { html { zoom: 0.8; } }
/* Coming-soon portal note */
.portal-soon { display: inline-flex; align-items: center; gap: 0.6rem; margin: 0.9rem auto 0; padding: 0.45rem 1rem; border: 1px solid rgba(26,86,196,0.35); border-radius: 999px; font-size: 0.92rem; letter-spacing: 0.03em; background: rgba(26,86,196,0.08); color: inherit; }
.portal-soon span { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; font-weight: 700; background: #1a56c4; color: #fff; padding: 0.15rem 0.55rem; border-radius: 999px; }
.brand-text strong { text-transform: uppercase; letter-spacing: 0.06em; font-size: 1.18rem; }
@media (max-width: 640px) { .brand-text strong { font-size: 0.8rem; letter-spacing: 0.04em; } }
/* Policyholder consulting disclaimer */
.disclaimer {
  background: var(--bg-alt); border: 1px solid var(--line); border-left: 4px solid var(--blue);
  border-radius: var(--radius); padding: 0.9rem 1.1rem; margin: 1rem 0 1.25rem;
  font-size: 0.95rem; color: var(--ink);
}
.disclaimer-sm { font-size: 0.85rem; color: var(--muted); margin-top: 0; }
.footer-disclaimer { flex-basis: 100%; }