:root {
    --ink: #12304A; --ink-2: #1C4466; --text: #22303A; --muted: #5B6A76;
    --paper: #FFFFFF; --wash: #EEF3F7; --line: #D3DCE4;
    --brass: #C48A0D; --brass-dark: #9A6B00; --focus: #2F6FB3;
    --r: 8px; --serif: "Bitter", Georgia, serif; --sans: "IBM Plex Sans", "Segoe UI", Helvetica, Arial, sans-serif;
  }
  * { box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  @media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
  body { margin: 0; font-family: var(--sans); color: var(--text); background: var(--paper); line-height: 1.6; font-size: 17px; -webkit-font-smoothing: antialiased; }
  h1, h2, h3 { font-family: var(--serif); color: var(--ink); line-height: 1.12; margin: 0 0 .45em; font-weight: 700; }
  h1 { font-size: clamp(2.2rem, 5.2vw, 3.6rem); font-weight: 800; letter-spacing: -.015em; }
  h2 { font-size: clamp(1.75rem, 3.4vw, 2.5rem); letter-spacing: -.01em; }
  h3 { font-size: 1.3rem; }
  p { margin: 0 0 1em; }
  a { color: var(--ink); text-underline-offset: 3px; }
  a:focus-visible, button:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; }
  .wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
  .lede { font-size: 1.18rem; max-width: 58ch; }
  .muted { color: var(--muted); }
  .eyebrow { display: inline-block; font-weight: 600; font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; color: var(--brass-dark); margin-bottom: 14px; }
  .center { text-align: center; }
  .center .lede { margin-left: auto; margin-right: auto; }
  .section-head.center { margin-left: auto; margin-right: auto; }

  /* Header */
  header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.96); backdrop-filter: blur(6px); border-bottom: 1px solid var(--line); }
  .bar { display: flex; align-items: center; justify-content: space-between; gap: 16px; height: 72px; }
  .brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
  .brand img { height: 50px; width: auto; display: block; }
  @media (max-width: 420px) { .brand img { height: 44px; } }
  .brand .wordmark { font-family: var(--serif); font-weight: 800; font-size: 1.1rem; line-height: 1.05; }
  .brand .wordmark small { display: block; font-family: var(--sans); font-weight: 500; font-size: .74rem; color: var(--muted); letter-spacing: .02em; }
  nav ul { list-style: none; display: flex; gap: 22px; margin: 0; padding: 0; align-items: center; }
  nav a { text-decoration: none; font-weight: 500; font-size: .95rem; }
  nav a:hover { text-decoration: underline; }
  .bar .btn { padding: 11px 18px; font-size: .95rem; }
  .menu-btn { display: none; background: none; border: 1px solid var(--line); border-radius: var(--r); padding: 8px 12px; font: inherit; color: var(--ink); cursor: pointer; }
  @media (max-width: 900px) {
    nav ul { display: none; position: absolute; left: 0; right: 0; top: 72px; flex-direction: column; gap: 0; align-items: stretch; background: var(--paper); border-bottom: 1px solid var(--line); padding: 8px 24px 16px; }
    nav ul.open { display: flex; }
    nav li { padding: 10px 0; border-top: 1px solid var(--line); }
    nav li.cta { border: 0; padding-top: 14px; }
    .menu-btn { display: inline-block; }
  }

  /* Buttons */
  .btn { display: inline-block; font-weight: 600; text-decoration: none; padding: 15px 24px; border-radius: var(--r); border: 2px solid transparent; font-size: 1.02rem; line-height: 1.2; text-align: center; cursor: pointer; font-family: var(--sans); }
  .btn-primary { background: var(--brass); color: #fff; border-color: var(--brass); }
  .btn-primary:hover { background: var(--brass-dark); border-color: var(--brass-dark); }
  .btn-outline { background: transparent; color: var(--ink); border-color: var(--ink); }
  .btn-outline:hover { background: var(--wash); }
  .btn-light { background: #fff; color: var(--ink); border-color: #fff; }
  .btn-light:hover { background: var(--wash); }

  /* Photo slots — replaced with real photos once supplied */
  .photo { position: relative; overflow: hidden; border-radius: 12px; background: linear-gradient(160deg, #1C4466 0%, #12304A 60%, #0C2236 100%); }
  .photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
  .photo .ph { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px; color: #C9D6E2; font-size: .85rem; text-align: center; padding: 20px; }
  .photo .ph svg { width: 64px; height: 64px; stroke: #C9D6E2; fill: none; stroke-width: 1.5; }

  /* Hero */
  .hero { padding: 56px 0 24px; background: radial-gradient(1200px 500px at 80% -10%, #EEF3F7 0%, #fff 60%); }
  .hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; }
  .hero .photo { aspect-ratio: 4 / 5; max-height: 560px; }
  @media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; gap: 28px; } .hero .photo { aspect-ratio: 16 / 10; } .hero { padding: 36px 0 16px; } }
  .trust { display: flex; flex-wrap: wrap; gap: 8px 22px; margin: 18px 0 26px; padding: 0; list-style: none; font-size: .95rem; color: var(--muted); font-weight: 500; }
  .trust li { display: flex; align-items: center; gap: 7px; }
  .trust li::before { content: ""; width: 9px; height: 9px; border-radius: 50%; background: var(--brass); flex: none; }
  .hero .actions { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
  .hero .actions .call { font-weight: 600; text-decoration: none; }

  /* Quote chooser */
  .chooser-wrap { padding: 24px 0 64px; }
  .chooser { background: var(--ink); color: #fff; padding: 32px; border-radius: 14px; display: grid; grid-template-columns: 1fr 1.6fr; gap: 32px; align-items: center; box-shadow: 0 20px 50px rgba(18,48,74,.18); }
  @media (max-width: 900px) { .chooser { grid-template-columns: 1fr; gap: 20px; padding: 26px; } }
  .chooser h2 { color: #fff; margin-bottom: 8px; font-size: clamp(1.5rem, 2.8vw, 2rem); }
  .chooser p { color: #C9D6E2; margin: 0; }
  .picks { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
  @media (max-width: 640px) { .picks { grid-template-columns: 1fr; } }
  a.pick { background: #fff; color: var(--ink); text-decoration: none; padding: 18px 16px 16px; border-radius: 10px; border-bottom: 5px solid var(--brass); display: block; transition: transform .12s ease; }
  a.pick:hover { transform: translateY(-2px); background: #FBFCFD; }
  a.pick svg { width: 30px; height: 30px; stroke: var(--ink); fill: none; stroke-width: 1.8; display: block; margin-bottom: 8px; }
  a.pick strong { font-family: var(--serif); font-size: 1.25rem; display: block; }
  a.pick span { color: var(--muted); font-size: .88rem; display: block; margin-top: 2px; }
  .chooser .fine { grid-column: 1 / -1; color: #C9D6E2; font-size: .9rem; margin-top: -8px; }
  .chooser .fine a { color: #fff; }

  /* Stat band */
  .stats { background: var(--wash); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
  .stats ul { list-style: none; margin: 0; padding: 26px 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; text-align: center; }
  @media (max-width: 720px) { .stats ul { grid-template-columns: 1fr 1fr; } }
  .stats strong { display: block; font-family: var(--serif); font-size: 2rem; color: var(--ink); line-height: 1.1; }
  .stats span { font-size: .9rem; color: var(--muted); font-weight: 500; }

  /* Sections */
  section { padding: 72px 0; }
  section.wash { background: var(--wash); }
  section.dark { background: var(--ink); color: #fff; }
  section.dark h2, section.dark h3 { color: #fff; }
  section.dark p { color: #C9D6E2; }
  .section-head { max-width: 64ch; margin-bottom: 36px; }
  @media (max-width: 820px) { section { padding: 52px 0; } }

  /* How it works */
  .steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; counter-reset: step; }
  @media (max-width: 820px) { .steps { grid-template-columns: 1fr; } }
  .step { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 26px 24px 22px; position: relative; }
  .step::before { counter-increment: step; content: counter(step); position: absolute; top: -18px; left: 22px; width: 38px; height: 38px; border-radius: 50%; background: var(--brass); color: #fff; font-family: var(--serif); font-weight: 800; display: grid; place-items: center; font-size: 1.1rem; }
  .step h3 { margin-top: 6px; }
  .step p { margin: 0; }

  /* Coverage cards */
  .cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
  @media (max-width: 900px) { .cards { grid-template-columns: 1fr; } }
  .card { border: 1px solid var(--line); border-radius: 14px; overflow: hidden; background: #fff; display: flex; flex-direction: column; }
  .card .photo { border-radius: 0; aspect-ratio: 4 / 3; }
  .card .body { padding: 22px 22px 24px; display: flex; flex-direction: column; flex: 1; }
  .card h3 { font-size: 1.45rem; }
  .card ul { margin: 0 0 18px; padding-left: 18px; color: var(--text); flex: 1; }
  .card li { margin: 4px 0; }
  .card .btn { align-self: flex-start; }
  .also { margin-top: 44px; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 28px; display: grid; grid-template-columns: 1.1fr 2fr; gap: 28px; align-items: center; }
  @media (max-width: 820px) { .also { grid-template-columns: 1fr; } }
  .also ul { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px 24px; }
  @media (max-width: 480px) { .also ul { grid-template-columns: 1fr; } }
  .also li { padding: 8px 0; border-bottom: 1px solid var(--line); font-weight: 500; }


  .asks { margin-top: 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
  @media (max-width: 720px) { .asks { grid-template-columns: 1fr; } }
  .asks > div { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 26px 28px; }
  .asks h3 { margin-bottom: 4px; }
  .asks p { margin-bottom: 16px; }

  /* Carrier logos */
  .logos { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
  @media (max-width: 900px) { .logos { grid-template-columns: repeat(3, 1fr); } }
  @media (max-width: 520px) { .logos { grid-template-columns: repeat(2, 1fr); } }
  .logo { background: #fff; border: 1px solid var(--line); border-radius: 10px; height: 88px; display: grid; place-items: center; padding: 14px; }
  .logo img { max-width: 100%; max-height: 100%; object-fit: contain; display: none; }   /* shown once logo files are added */
  .logo span { font-weight: 600; color: var(--ink); text-align: center; font-size: .95rem; }
  .logos-note { margin-top: 18px; font-size: .95rem; }

  /* Team */
  .team { display: grid; grid-template-columns: repeat(2, minmax(0, 360px)); gap: 28px; justify-content: center; }
  @media (max-width: 640px) { .team { grid-template-columns: 1fr; } }
  .person { display: flex; gap: 18px; align-items: center; background: var(--wash); border: 1px solid var(--line); border-radius: 14px; padding: 18px; }
  .person img { width: 112px; height: 112px; border-radius: 50%; object-fit: cover; flex: none; border: 3px solid #fff; box-shadow: 0 2px 8px rgba(18,48,74,.15); }
  .person strong { display: block; font-family: var(--serif); font-size: 1.15rem; color: var(--ink); }
  .person span { display: block; color: var(--muted); font-size: .92rem; margin-top: 2px; }
  .person p { margin: 8px 0 0; font-size: .95rem; }

  /* Reviews */
  .reviews-grid { display: grid; grid-template-columns: 1fr 2fr; gap: 40px; align-items: center; }
  @media (max-width: 820px) { .reviews-grid { grid-template-columns: 1fr; } }
  .rating .num { font-family: var(--serif); font-size: 4.5rem; font-weight: 800; color: #fff; line-height: 1; }
  .stars { color: var(--brass); font-size: 1.6rem; letter-spacing: 3px; }

  /* FAQ */
  .faq details { border-bottom: 1px solid var(--line); padding: 6px 0; }
  .faq summary { cursor: pointer; font-weight: 600; font-family: var(--serif); font-size: 1.12rem; color: var(--ink); padding: 12px 0; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
  .faq summary::-webkit-details-marker { display: none; }
  .faq summary::after { content: "+"; color: var(--brass); font-weight: 700; font-size: 1.4rem; line-height: 1; }
  .faq details[open] summary::after { content: "−"; }
  .faq details p { margin: 0 0 14px; max-width: 70ch; }

  /* Final CTA */
  .cta-band { background: linear-gradient(135deg, var(--ink-2), var(--ink)); color: #fff; padding: 64px 0; text-align: center; }
  .cta-band h2 { color: #fff; }
  .cta-band p { color: #C9D6E2; max-width: 56ch; margin: 0 auto 24px; }
  .cta-band .actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }

  /* Contact */
  .contact { display: grid; grid-template-columns: 1fr 1.2fr; gap: 40px; }
  @media (max-width: 720px) { .contact { grid-template-columns: 1fr; } }
  .contact dl { margin: 0; }
  .contact dt { font-weight: 600; color: var(--ink); margin-top: 16px; }
  .contact dd { margin: 2px 0 0; }
  .map { width: 100%; height: 100%; min-height: 300px; border: 0; border-radius: 12px; }

  /* Footer */
  footer { background: #0C2236; color: #C9D6E2; padding: 44px 0 36px; font-size: .92rem; }
  footer a { color: #fff; }
  footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 32px; margin-bottom: 28px; }
  @media (max-width: 720px) { footer .cols { grid-template-columns: 1fr; } }
  footer ul { list-style: none; padding: 0; margin: 0; }
  footer li { margin: 5px 0; }
  footer .legal { border-top: 1px solid rgba(255,255,255,.16); padding-top: 20px; font-size: .82rem; line-height: 1.55; color: #9FB2C4; }

  /* Texas region pages */
  .crumbs { font-size: .9rem; color: var(--muted); margin-bottom: 14px; }
  .crumbs a { color: var(--muted); }
  .hero .photo iframe { width: 100%; height: 100%; border: 0; display: block; min-height: 340px; }
  .hero .photo.map { background: var(--wash); }
  .considerations { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
  @media (max-width: 820px) { .considerations { grid-template-columns: 1fr; } }
  .consideration { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 26px 28px 24px; }
  .consideration h3 { margin-bottom: 6px; font-size: 1.22rem; }
  .consideration p { margin: 0; }
  .places { columns: 3; column-gap: 32px; list-style: none; padding: 0; margin: 0 0 18px; }
  @media (max-width: 820px) { .places { columns: 2; } }
  @media (max-width: 480px) { .places { columns: 1; } }
  .places li { padding: 7px 0; border-bottom: 1px solid var(--line); break-inside: avoid; font-weight: 500; }
  .regions { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
  @media (max-width: 900px) { .regions { grid-template-columns: 1fr 1fr; } }
  @media (max-width: 520px) { .regions { grid-template-columns: 1fr; } }
  a.region { display: block; background: #fff; border: 1px solid var(--line); border-bottom: 4px solid var(--brass); border-radius: 12px; padding: 18px 18px 16px; text-decoration: none; transition: transform .12s ease; }
  a.region:hover { transform: translateY(-2px); background: #FBFCFD; }
  a.region strong { font-family: var(--serif); font-size: 1.15rem; display: block; color: var(--ink); }
  a.region span { color: var(--muted); font-size: .9rem; display: block; margin-top: 4px; }
  a.region.current { border-color: var(--ink); background: var(--wash); }
  .intro { max-width: 72ch; font-size: 1.08rem; }
  footer .cols { grid-template-columns: 2fr 1fr 1fr 1fr; }
  @media (max-width: 720px) { footer .cols { grid-template-columns: 1fr; } }