/* RateShop Life — shared styles. Fonts self-hosted with font-display: swap. */
@font-face{font-family:'Archivo Black';font-style:normal;font-weight:400;font-display:swap;src:url('/fonts/archivo-black.woff2') format('woff2')}
@font-face{font-family:Adamina;font-style:normal;font-weight:400;font-display:swap;src:url('/fonts/adamina.woff2') format('woff2')}
@font-face{font-family:Pompiere;font-style:normal;font-weight:400;font-display:swap;src:url('/fonts/pompiere.woff2') format('woff2')}
@font-face{font-family:Roboto;font-style:normal;font-weight:400 700;font-display:swap;src:url('/fonts/roboto.woff2') format('woff2')}
@font-face{font-family:Roboto;font-style:italic;font-weight:400;font-display:swap;src:url('/fonts/roboto-italic.woff2') format('woff2')}
@font-face{font-family:'Playfair Display';font-style:normal;font-weight:400 700;font-display:swap;src:url('/fonts/playfair-display.woff2') format('woff2')}
@font-face{font-family:Cabin;font-style:normal;font-weight:400 700;font-display:swap;src:url('/fonts/cabin.woff2') format('woff2')}


:root{
  --gold:#d4af37;
  --gold-hover:#f4ca41;
  --gold-deep:#a58829;
  --gold-title:#b0912e;
  --black:#161616;
  --ink:#3d3d3d;
  --ink-strong:#1b1b1b;
  --muted:#a9a9a9;
  --line:#dbdbdb;
  --wash:#f7f7f7;
  --white:#fff;
  --max:1100px;
  --sans:Roboto,system-ui,-apple-system,"Segoe UI",Helvetica,Arial,sans-serif;
  --display:"Archivo Black",Arial,sans-serif;
  --serif:Adamina,Georgia,serif;
  --script:Pompiere,cursive,serif;
  --playfair:"Playfair Display",Georgia,serif;
  --cabin:Cabin,system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:44px}
body{margin:0;font-family:var(--sans);color:var(--ink-strong);background:var(--white);line-height:1.6;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
a:hover{color:var(--gold-title)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.skip{position:absolute;left:-999px;top:0;background:var(--black);color:#fff;padding:.5rem 1rem;z-index:10001}
.skip:focus{left:8px;top:8px}
.wrap{width:min(var(--max),calc(100% - 48px));margin-inline:auto}
.center{text-align:center}

/* Promo */
.promo{position:sticky;top:0;z-index:9000;width:100%;background:var(--gold);color:#000;text-align:center;padding:6px 12px;font-size:13px;line-height:1.3;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;box-shadow:0 1px 0 rgba(0,0,0,.08)}

/* Header */
.header{background:#fff;border-bottom:1px solid var(--line)}
.header-inner{width:min(var(--max),calc(100% - 32px));margin-inline:auto;display:flex;align-items:center;gap:16px;min-height:142px;padding:8px 0}
.logo{flex:0 0 auto}
.logo img{width:126px;height:126px;background:transparent}
.nav{margin-left:auto;display:flex;align-items:center;gap:8px}
.nav-list{display:flex;list-style:none;margin:0;padding:0;gap:4px}
.nav-list a{display:block;padding:10px 14px;text-decoration:none;text-transform:uppercase;letter-spacing:.071em;font-size:13px;font-weight:600;color:var(--ink-strong)}
.nav-list a[aria-current="page"]{color:var(--gold-title)}
.nav-list a:hover{color:var(--gold-title)}
.nav-toggle{display:none;margin-left:auto;background:none;border:0;width:44px;height:44px;cursor:pointer;padding:8px}
.nav-toggle span{display:block;height:2px;background:var(--ink-strong);margin:7px 0}
.menu-cta{margin-left:8px}
.nav-list a.menu-cta,.btn.menu-cta{text-transform:none;letter-spacing:.02em}

/* Buttons — pill, uppercase, theme gold (matches live ButtonAlpha / PRIMARY) */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4em;background:var(--gold);color:#000;text-decoration:none;border:0;border-radius:48px;padding:12px 22px;font-size:14px;font-weight:700;letter-spacing:.071em;text-transform:uppercase;line-height:1.2;cursor:pointer;transition:background .2s,color .2s}
.btn:hover{background:var(--gold-hover);color:#000}
.btn:active{background:var(--gold-deep)}
.btn-light{background:#fff;color:var(--ink-strong);box-shadow:0 0 0 1px #000 inset}
.btn-light:hover{background:var(--gold-hover)}
/* FormNX btn-success green (#2fb344). Home hero CHECK RATES also has a shield. */
.btn.btn-check-rates,.btn.btn-formnx-green{background:#2fb344;color:#fff}
.btn.btn-check-rates:hover,.btn.btn-check-rates:focus,.btn.btn-check-rates:focus-visible,
.btn.btn-formnx-green:hover,.btn.btn-formnx-green:focus,.btn.btn-formnx-green:focus-visible{background:#2aa13d;color:#fff}
.btn.btn-check-rates:active,.btn.btn-formnx-green:active{background:#258f36;color:#fff}
.btn.btn-check-rates:focus-visible,.btn.btn-formnx-green:focus-visible{outline:2px solid #2aa13d;outline-offset:2px}
.btn-check-rates .btn-shield{width:1em;height:1em;display:block;flex:0 0 auto}

/* Typography */
.h1{font-family:var(--display);font-weight:400;font-size:clamp(28px,7vw,48px);line-height:1.25;color:var(--ink);margin:0 0 .4em;text-wrap:balance}
.subtag{font-family:Roboto,arial,sans-serif;font-size:17px;font-style:italic;font-weight:400;color:#c19034;line-height:1.5;margin:0 0 1.25rem}
.subtag em,.subtag strong{font-style:italic;font-weight:400;color:inherit}
.section-title{font-family:var(--serif);font-weight:400;font-size:clamp(26px,4vw,32px);line-height:1.4;color:var(--gold-title);margin:0 0 1rem;text-align:center}
.section-title.left{text-align:left}
.lead{font-size:1.05rem}
.fine{font-size:.95rem;color:var(--ink)}

/* Hero / coverage */
.hero{padding:40px 0 32px}
.hero-actions{margin:1.25rem 0 1.15rem}
.hero .hero-actions{margin:2.25rem 0 2.15rem}
.quotes{display:grid;grid-template-columns:1fr 1fr;align-items:center;column-gap:clamp(12px,4vw,64px);margin:0 auto 2.35rem;max-width:740px;width:100%;text-align:left}
.quote{display:flex;align-items:center;gap:12px;min-width:0;margin:0}
.quote img{width:48px;height:48px;border-radius:50%;object-fit:cover;flex-shrink:0}
.quote-text{min-width:0}
.quote-name{margin:0;font-weight:700;font-size:16px;line-height:1.25;color:var(--ink-strong)}
.quote-price{margin:.1em 0 0;font-weight:400;font-size:15px;line-height:1.3;color:var(--ink-strong);white-space:nowrap}
.logos-hero{margin:0 0 1.5rem;padding:8px 0 16px;background:#fff}
@media (max-width:430px){
  .quotes{column-gap:10px}
  .quote{gap:8px}
  .quote img{width:42px;height:42px}
  .quote-name{font-size:13px}
  .quote-price{font-size:11.5px}
  .logos-hero img{height:48px;max-height:48px}

}
.coverage h2,.hero-fq-title{font-family:var(--serif);font-size:clamp(24px,3.5vw,32px);color:var(--gold-title);font-weight:400;margin:0 0 .6rem;line-height:1.4;text-wrap:balance}
.coverage p{margin:0 0 .8rem}
.bullets{margin:1rem 0 1.25rem;padding:0 0 0 1.15rem}
.bullets li{margin:.35rem 0;font-weight:700}
.wrap.coverage p.hero-fq-avg{margin-bottom:1.1rem}
.coverage p.cov-key{margin-bottom:1.75rem}
@media (max-width:640px){.coverage p.cov-key{white-space:nowrap;font-size:min(16px,calc((100vw - 44px)/22.5))}}
.coverage .bullets{margin-top:1.5rem}
.shop-opts{margin:1.5rem 0 1.25rem}
.shop-opts h3{font-size:1.05rem;font-weight:700;margin:0 0 .8rem;color:var(--ink-strong)}
.rv-show{display:grid;overflow:hidden;margin:1.75rem auto .5rem;max-width:560px;text-align:center}
.rv{grid-area:1/1;display:flex;flex-direction:column;justify-content:center;margin:0;padding:8px 6px;opacity:0;animation:rvslide 30s infinite both}
.rv:nth-child(2){animation-delay:5s}.rv:nth-child(3){animation-delay:10s}.rv:nth-child(4){animation-delay:15s}.rv:nth-child(5){animation-delay:20s}.rv:nth-child(6){animation-delay:25s}
.rv-stars{color:#fbbf0e;font-size:30px;letter-spacing:4px;line-height:1}
.rv-ver{font-weight:700;font-size:1.35rem;margin:.4rem 0 .8rem;color:#111}.rv-ver span{color:#21a046}
.coverage .rv blockquote{margin:0 0 .8rem;font-size:1.02rem;line-height:1.55;color:#111}
.rv figcaption{font-style:italic}
@keyframes rvslide{0%{opacity:0;transform:translateX(60%)}2.5%{opacity:1;transform:none}15%{opacity:1;transform:none}17.5%{opacity:0;transform:translateX(-60%)}100%{opacity:0;transform:translateX(-60%)}}
@keyframes rvfade{0%,16.5%{opacity:1}17%,100%{opacity:0}}
@media (prefers-reduced-motion:reduce){.rv{animation-name:rvfade}}
.one-call{margin:2rem 0 .5rem}
.one-call h3{font-size:1.05rem;font-weight:700;margin:0 0 .8rem;color:var(--ink-strong)}
.coverage .one-call p{margin:0 0 .9rem}
.tagline-row{font-weight:700;margin:1rem 0 1.25rem}
.hero-shot{margin:1.5rem auto 0;max-width:1080px}
.hero-shot img{width:100%;height:auto;margin-inline:auto}
.hero-fq{padding:0 0 28px}
.hero-fq-banner{position:relative;isolation:isolate;overflow:hidden;min-height:600px}
.hero-fq-bg{position:absolute;inset:0;z-index:0;pointer-events:none}
.hero-fq-bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 42%;border-radius:0}
.hero-fq-banner::after{content:"";position:absolute;inset:0;z-index:1;pointer-events:none;background:linear-gradient(180deg,rgba(255,255,255,.12) 0%,rgba(255,255,255,.12) 45.5%,rgba(255,255,255,.86) 59%,rgba(255,255,255,.90) 75%,rgba(255,255,255,.88) 100%)}
.hero-fq-banner>.wrap{position:absolute;left:0;right:0;top:59%;bottom:0;z-index:2;display:flex;justify-content:center;align-items:stretch}
.hero-fq-copy{max-width:40rem;margin-inline:auto;text-align:center;padding:0 8px 16px;width:100%;height:100%;display:flex;flex-direction:column;box-sizing:border-box}
.hero-fq-copy .hero-fq-title,.coverage h2{margin-bottom:.2rem}
.hero-fq-avg,.coverage p.hero-fq-avg{font-family:var(--serif);font-weight:400;color:var(--gold-title);font-size:clamp(15px,2.2vw,20px);line-height:1.4;margin:0 0 .6rem;text-wrap:balance;text-decoration:underline;text-decoration-color:var(--gold-title);text-decoration-thickness:1px;text-underline-offset:.18em}
.hero-fq-copy .hero-fq-title,.hero-fq-copy .hero-fq-avg,.hero-fq-copy .lead{text-shadow:0 1px 2px rgba(255,255,255,.9),0 0 14px rgba(255,255,255,.65)}
.hero-fq-copy .lead{color:var(--ink-strong);margin:0}
.hero-fq-copy .hero-actions{margin:auto 0;text-align:center}
.jump-form{color:var(--gold-title);text-decoration:underline;text-underline-offset:.14em;font-weight:700}
.jump-form:hover,.jump-form:focus-visible{color:var(--gold-deep)}
.fq-talk{margin:.25rem 0 0}.fq-talk .jump-form{display:inline-flex;align-items:center;min-height:44px;padding:8px 12px;font-size:1.1rem}
.fq-extra-links{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:center;gap:4px 14px;margin:0}
.fq-extra-links a{display:inline-flex;align-items:center;min-height:44px;padding:8px 4px;color:#111;text-decoration:underline;text-decoration-color:#111;text-underline-offset:.14em;font-weight:700;white-space:nowrap}
.fq-extra-links a:hover,.fq-extra-links a:focus-visible{color:#000}
.steps{display:flex;justify-content:center;margin:1rem auto;max-width:520px;width:100%;padding:0 4px;box-sizing:border-box}
.steps span{flex:1;display:flex;align-items:center;justify-content:center;text-align:center;min-height:58px;padding:6px 18px 6px 24px;margin-left:-8px;font-weight:700;font-size:15px;line-height:1.15;color:#1d3b22;clip-path:polygon(0 0,calc(100% - 16px) 0,100% 50%,calc(100% - 16px) 100%,0 100%,16px 50%)}
.steps span:first-child{margin-left:0;padding-left:12px;clip-path:polygon(0 0,calc(100% - 16px) 0,100% 50%,calc(100% - 16px) 100%,0 100%)}
.steps .s1{background:rgba(47,179,68,.16)}.steps .s2{background:rgba(47,179,68,.45)}.steps .s3{background:#2fb344;color:#fff}

.hero-fq-grid{display:grid;gap:28px;align-items:center}
.hero-fq-grid img{width:100%;height:auto;border-radius:2px}
@media (min-width:800px){
  .hero-fq{padding:0 0 40px}
  .hero-fq-banner{min-height:720px}
  .hero-fq-bg img{object-position:center 38%}
  .hero-fq-banner>.wrap{top:59%;padding:0}
  .hero-fq-copy{padding:0 8px 24px}
}
.feature-grid{display:grid;gap:20px;margin:28px 0 12px}
.feature-grid h2{font-family:var(--serif);color:var(--gold-title);font-size:1.35rem;font-weight:400;margin:0 0 .4rem}
.feature-grid ul{margin:0;padding-left:1.15rem}
.feature-grid li{margin:.3rem 0;font-weight:700}

/* Owner */
.owner{padding:48px 0;background:var(--wash)}
.owner-grid{display:grid;gap:28px;align-items:start}
.owner-photo{margin:0 auto;max-width:360px}
.owner-photo img{width:100%;height:auto;object-fit:cover;border-radius:4px}
.owner h2{font-family:var(--serif);color:var(--gold-title);font-size:clamp(22px,3vw,30px);font-weight:400;margin:0 0 1rem}
.owner p{margin:0 0 1rem}
.reviews{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:20px}
.reviews img{width:100%;height:auto;object-fit:cover;border-radius:4px}

/* Photo bands (live uses overlayed Getty / dock photos + white type) */
.band{position:relative;color:#fff;text-align:center;padding:64px 0;isolation:isolate;overflow:hidden}
.band .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.band::after{content:"";position:absolute;inset:0;background:rgba(0,0,0,.28);z-index:-1}
.band .section-title,.band h2{color:#fff;font-family:var(--serif);font-weight:400;font-size:clamp(24px,4vw,28px);line-height:1.125;margin:0 0 1.25rem}
.band .btn{margin:.4rem .3rem}
.band-dark{background:var(--black)}

/* Form */
.form-sec{padding:48px 0;background:#fff}
.form-sec h2{font-family:var(--serif);color:var(--gold-title);font-size:clamp(22px,3.4vw,30px);font-weight:400;margin:0 0 .75rem;text-align:center}
.privacy-line{font-weight:700;margin:1rem 0}
@media (max-width:640px){.privacy-line{white-space:nowrap;font-size:min(16px,calc((100vw - 44px)/35.5));letter-spacing:-.01em}}
.formnx-slot{min-height:720px;margin:1.25rem auto;max-width:640px;width:100%;overflow:hidden}
.formnx-slot iframe{width:100%;min-width:100%;border:0;min-height:720px;display:block;overflow:hidden}
.form-note{text-align:center;margin-top:1rem}
.apply-inline{color:var(--gold-title);font-weight:700;display:block;white-space:nowrap;margin-top:.45rem}

/* License / states */
.license{padding:40px 0;text-align:center;background:#fff;color:var(--ink-strong)}
.license h2{color:var(--gold-title);font-family:var(--serif);font-weight:400;margin:0 0 1rem}
.states{max-width:820px;margin:0 auto;font-size:.95rem;line-height:1.7;color:var(--ink-strong)}

/* Coverage cards */
.cards-sec{padding:56px 0;background:#fff}
.cards{display:grid;gap:20px}
.card{background:#fff;color:var(--ink-strong);padding:28px 22px;border-radius:4px}
.card h3{font-family:var(--serif);font-size:1.4rem;font-weight:400;margin:0 0 .75rem;color:var(--gold-title);display:inline-block;text-decoration:underline;text-decoration-color:var(--gold-title);text-decoration-thickness:1px;text-underline-offset:.18em}
.card p{margin:0}

/* FAQ */
.faq{padding:56px 0}
.faq .lede{text-align:center;margin:0 0 1.5rem}
.faq a{color:var(--gold-title)}
.acc{border-top:1px solid var(--line);max-width:860px;margin:0 auto}
.acc details{border-bottom:1px solid var(--line)}
.acc summary{cursor:pointer;padding:16px 8px;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:12px;align-items:center}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";color:var(--gold-title);font-weight:400;font-size:1.4rem;line-height:1}
.acc details[open] summary::after{content:"\2212"}
.acc .ans{padding:0 8px 16px}
.acc .ans p,.acc .ans ul{margin:.4rem 0}

/* Logos */
.logos-sec{padding:48px 0;background:#fff;text-align:center;overflow:hidden}
.logos{overflow:hidden;margin-top:1.5rem}
.logos-sec > .logos:first-child{margin-top:0}
.logos-track{display:flex;width:max-content;animation:logos-marquee 42s linear infinite}
.logos-set{display:flex;align-items:center;flex-shrink:0;gap:2rem;padding-right:2rem}
.logos img{height:64px;width:auto;max-height:64px;max-width:none;object-fit:contain;display:block;flex-shrink:0}
.logos .logo-foresters img{height:52px;max-height:52px} /* ~18% smaller than 64px */
.logos .logo-aflac img{height:59px;max-height:59px} /* ~8% smaller */
.logos .logo-aetna img{height:73px;max-height:73px} /* ~14% larger */

.logos:hover .logos-track,.logos:focus-within .logos-track{animation-play-state:paused}
@keyframes logos-marquee{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}
@media (prefers-reduced-motion:reduce){
  .logos{overflow:visible;max-width:1100px;margin-inline:auto;padding:0 24px}
  .logos-track{animation:none;transform:none;flex-wrap:wrap;justify-content:center;width:auto;row-gap:28px}
  .logos-set{flex-wrap:wrap;justify-content:center;gap:28px 36px;padding-right:0}
  .logos-set[aria-hidden="true"]{display:none}
}

/* Hours */
.hours{padding:48px 0;text-align:center}
.hours h2{margin-bottom:.4rem}
.hours .when{font-family:var(--serif);font-size:1.2rem;color:var(--ink);margin:0 0 1.25rem}
.hours .actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}

/* Footer */
.footer{background:var(--black);color:var(--muted);padding:40px 0 28px;font-size:14px}
.footer a{color:#eee;text-decoration:none;text-transform:uppercase;letter-spacing:.071em}
.footer a:hover{color:var(--gold)}
.footer-nav{display:flex;flex-wrap:wrap;gap:8px 18px;margin:0 0 1.5rem;padding:0;list-style:none}
.legal{margin:0 0 1rem;line-height:1.7;max-width:820px}
.legal strong{color:#ddd;font-weight:700}
.footer-contact{margin:0 0 1rem}
.footer-contact a{text-transform:none;letter-spacing:0;margin-right:1rem}
.copy{margin:0}

/* Back to top */
.backtop{display:block;text-align:center;padding:20px 0 8px}

@media (min-width:800px){
  .hero-fq-grid{grid-template-columns:1fr 1fr}
  .owner-grid{grid-template-columns:280px 1fr;gap:40px}
  .feature-grid{grid-template-columns:repeat(3,1fr)}
  .cards{grid-template-columns:repeat(3,1fr)}
  .reviews{grid-template-columns:repeat(4,1fr)}
  .hero{padding:56px 0 40px}
}
@media (max-width:799px){
  .nav-toggle{display:block}
  .nav{position:fixed;inset:0 0 auto auto;top:0;right:0;width:min(320px,100%);height:100%;background:#fff;transform:translateX(110%);transition:transform .3s;z-index:20;flex-direction:column;align-items:stretch;padding:88px 20px 24px;box-shadow:-4px 0 20px rgba(0,0,0,.15)}
  .nav.is-open{transform:none}
  .nav-list{flex-direction:column}
  .menu-cta{margin:16px 0 0}
  .wrap{width:min(var(--max),calc(100% - 32px))}
  .header-inner{min-height:112px}
  .logo img{width:96px;height:96px}
  .formnx-slot{min-height:760px}
  .promo{font-size:12.5px;padding:6px 8px}
  /* Keep the 8:45 tagline/button/quotes spacing and H1 position. Drop the marquee a tad, then a little more space above the coverage H2. */
  .hero .quotes{margin-bottom:calc(2.35rem + 16px)}
  .hero .coverage{padding-top:24px}
}

/* Heading variants used on later pages */
.h1-playfair{font-family:var(--playfair);font-weight:700}
.h1-cabin{font-family:var(--cabin);font-weight:700}
.h1-adamina{font-family:var(--serif);font-weight:400}
.h2-plain{font-family:var(--serif);font-size:clamp(22px,3.2vw,28px);color:var(--gold-title);font-weight:400;margin:0 0 .75rem}

/* Privacy / long-form */
.prose{max-width:820px;margin:0 auto;padding:48px 0 64px}
.prose h1{margin-bottom:1rem}
.prose h2{font-family:var(--serif);color:var(--gold-title);font-weight:400;font-size:1.5rem;margin:2rem 0 .75rem}
.prose p,.prose li{margin:0 0 .8rem}
.prose ul{margin:0 0 1rem;padding-left:1.2rem}

/* Option / coverage cards with images */
.option-cards{display:grid;gap:24px;padding:40px 0}
.option-card{background:#fff;border:1px solid var(--line);border-radius:6px;overflow:hidden;display:flex;flex-direction:column}
.option-card img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.option-card .body{padding:20px 22px 24px}
.option-card h2,.option-card h3{font-family:var(--serif);color:var(--gold-title);font-weight:400;font-size:1.4rem;margin:0 0 .6rem}
.coverage-opts{padding:48px 0}
.coverage-grid{display:grid;gap:20px}
.coverage-grid article{background:var(--wash);padding:24px 22px;border-radius:4px}
.coverage-grid h3{font-family:var(--serif);color:var(--gold-title);font-weight:400;font-size:1.3rem;margin:0 0 .75rem}
.coverage-grid p{margin:.45rem 0}
.amounts{list-style:none;padding:0;margin:1rem 0 1.25rem;font-weight:700}
.amounts li{margin:.35rem 0}

/* Thank-you */
.thanks{padding:48px 0 32px;text-align:center}
.thanks .h1{margin-bottom:.5rem}
.thanks .h2-plain{color:var(--ink)}
.thanks .actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin:1.25rem 0}
.why{max-width:720px;margin:2rem auto 0;text-align:left}
.why h3{font-family:var(--serif);color:var(--gold-title);font-weight:400;text-align:center}

/* 404 */
.notfound{padding:72px 0;text-align:center}
.notfound p{margin:0 0 1.5rem}

@media (min-width:800px){
  .option-cards{grid-template-columns:1fr 1fr}
  .coverage-grid{grid-template-columns:repeat(3,1fr)}
  .apply-hero{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
}
.apply-hero{padding:40px 0 24px}
.apply-hero .center-m{text-align:left}
@media (max-width:799px){
  .apply-hero .center-m{text-align:center}
}

@media (max-width:799px){.hero-fq-bg img{bottom:auto;height:440px;object-position:center 30%;-webkit-mask-image:linear-gradient(#000 72%,transparent);mask-image:linear-gradient(#000 72%,transparent)}.hero-fq-banner>.wrap{top:53%}}
@media (max-width:799px){.hero-fq-banner::after{background:linear-gradient(180deg,rgba(255,255,255,.12) 0%,rgba(255,255,255,.12) 38%,rgba(255,255,255,.80) 48%,rgba(255,255,255,.93) 56%,rgba(255,255,255,.92) 100%)}}
.shop-opts h3{font-size:2.1rem;line-height:1.2}
.shop-opts p{font-size:1.15rem;line-height:1.55}
/* readable minimum body text (Nov 14) */
body{font-size:1.15rem;line-height:1.55}
.lead,.center.fine,.states,.coverage .rv blockquote{font-size:1.15rem}
.fq-extra-links{font-size:16px}
.one-call h3{font-size:2.1rem;line-height:1.2}
.rv-stars{padding-left:4px}
.rv-ver{position:relative;align-self:center;display:inline-block}.rv-ver span{position:absolute;left:100%;margin-left:.3em}
.tl{list-style:none;margin:1.75rem 0 .5rem;padding:0}
.tl li{position:relative;display:flex;align-items:center;gap:22px;padding:0 0 30px}
.tl li:last-child{padding-bottom:0}
.tl li:not(:last-child)::before{content:"";position:absolute;left:21px;top:44px;bottom:0;width:2px;background:rgba(47,179,68,.35)}
.tl-n{flex:0 0 44px;height:44px;border-radius:50%;border:2px solid #2fb344;color:#21a046;font-weight:700;font-size:15px;display:flex;align-items:center;justify-content:center;background:#fff;box-sizing:border-box}
.tl li:last-child .tl-n{background:#2fb344;color:#fff}
.tl-t{font-size:1.45rem;font-weight:700;line-height:1.2;color:var(--ink-strong)}
.tl-call{margin:1.5rem 0 0;padding-left:66px}
.btn-green{background:#2fb344;color:#fff}.btn-green:hover{background:#26993a;color:#fff}
.tl li{align-items:flex-start}
.tl-b{display:flex;flex-direction:column;padding-top:6px}
.tl-d{display:block;margin-top:.3rem;color:#4b5563;line-height:1.45}
.tl li:nth-child(1) .tl-n{background:rgba(47,179,68,.16);color:#1d3b22}
.tl li:nth-child(2) .tl-n{background:rgba(47,179,68,.45);color:#1d3b22}
.tl li:nth-child(3) .tl-n{background:#2fb344;color:#fff}
.tl li:nth-child(1)::before{background:linear-gradient(rgba(47,179,68,.25),rgba(47,179,68,.5))}
.tl li:nth-child(2)::before{background:linear-gradient(rgba(47,179,68,.5),#2fb344)}
.tl-call{margin-top:2.25rem}
.wrap.coverage p.tl-call,p.tl-call{margin-top:2.75rem}
.steps{margin-bottom:.5rem}
.steps-d{display:flex;gap:10px;max-width:520px;width:100%;margin:0 auto 1rem;padding:0 4px;box-sizing:border-box}
.steps-d span{flex:1;text-align:center;font-size:1.15rem;line-height:1.35;color:#4b5563}
.steps span{flex-direction:column;min-height:150px;padding:10px 20px 10px 24px;gap:6px}
.steps span:first-child{padding-left:10px}
.steps b{font-size:16px;line-height:1.15}
.steps small{font-size:12.5px;font-weight:500;line-height:1.3;opacity:.9}
.gsteps{position:relative;list-style:none;margin:1.5rem auto 1rem;padding:6px 0;max-width:520px}
.gsteps::before{content:"";position:absolute;left:50%;top:0;bottom:0;width:3px;margin-left:-1.5px;background:#2b2b2b;border-radius:2px}
.gsteps li{position:relative;z-index:1;display:flex;width:84%;margin:0 0 22px;border-radius:12px;overflow:hidden;box-shadow:0 6px 14px rgba(0,0,0,.18),0 1px 3px rgba(0,0,0,.12)}
.gsteps li:last-child{margin-bottom:0}
.gsteps li.g2{margin-left:auto}
.gs-n{flex:0 0 64px;display:flex;align-items:center;justify-content:center;font-size:44px;font-weight:800;color:#fff;text-shadow:0 2px 3px rgba(0,0,0,.25)}
.gs-b{flex:1;background:#fff;margin:6px 6px 6px 0;border-radius:9px;padding:10px 12px;display:flex;flex-direction:column;gap:4px;box-shadow:inset 0 0 0 1px rgba(0,0,0,.06)}
.gs-b b{font-size:1.2rem;line-height:1.2;color:#111;text-transform:uppercase;letter-spacing:.02em}
.gs-b span{font-size:1rem;line-height:1.35;color:#4b5563}
.g1{background:linear-gradient(135deg,#f3e2a6,#e7cf7a)}
.g2{background:linear-gradient(135deg,#e6c55c,#d6ad32)}
.g3{background:linear-gradient(135deg,#d4a72c,#b8891a)}
.g1 .gs-n{color:#8a6a10;text-shadow:0 1px 0 rgba(255,255,255,.5)}
.fq-talk .btn{text-transform:none;font-size:1.05rem;letter-spacing:.02em;padding:14px 26px}
.fq-talk{margin:.5rem 0 1.5rem}
.form-sec .fq-extra-links{margin:.25rem 0 1rem}
.fq-talk{margin-top:1.75rem}
.wrap p.fq-talk,p.fq-talk{margin-top:2.75rem}
.coverage h2.big100,.hero-fq-title.big100{font-size:clamp(28px,4.2vw,38px);-webkit-text-stroke:.5px currentColor;line-height:1.3}
.gs-b b{text-transform:none;letter-spacing:0;font-size:1.3rem}
.h1.about-name{text-align:center;color:var(--gold-title)}
.owner h2.owner-title{grid-column:1/-1;text-align:center;margin:0}
.coverage p.tl-call,p.tl-call{padding-left:0;text-align:center}
.coverage .one-call,.one-call{margin-top:3.25rem}
.coverage .one-call,.one-call{margin-top:0}
.wrap.coverage p.oc-quote,p.oc-quote{text-align:center;margin-top:2.25rem;padding-left:0}
.oc-quote .btn{text-transform:none;font-size:1.15rem}
#protect-title{font-size:clamp(28px,4.2vw,38px);-webkit-text-stroke:.5px currentColor;line-height:1.3}
#protect-title{text-align:left;white-space:nowrap;font-size:clamp(20px,6.4vw,38px)}
.owner-sched{text-align:center}
.to-top{text-align:center;margin:0;padding:1.5rem 0 2.5rem}
.to-top .btn{text-transform:none}
html{scroll-behavior:smooth}
.logos-sec .section-title,.form-sec h2{font-size:clamp(28px,4.2vw,38px);-webkit-text-stroke:.5px currentColor;line-height:1.3}
.backtop .btn{text-transform:none}
.fq-carriers{padding-top:24px}
.wrap.coverage ol.tl,ol.tl{margin-top:2.75rem}
.form-sec h2{font-size:clamp(22px,3.4vw,30px);-webkit-text-stroke:0;line-height:1.35;text-align:left}
.form-sec h2 .ft-1{display:block;white-space:nowrap;margin-bottom:.6em}

/* SelectQuote-style intro (Nov 15) */
.sq-intro{font-size:1.15rem;line-height:1.6}
.sq-photo{display:block;margin:1.25rem 0 0}
.sq-photo img{display:block;width:100%;height:auto;aspect-ratio:2/1;object-fit:cover;border-radius:14px;max-height:340px}
@media (max-width:600px){.sq-photo img{aspect-ratio:16/7;max-height:190px}}

.sq-photo{margin:1.25rem 0 1.25rem}

.coverage .gsteps{margin-top:2rem}

/* free-quote photo strip (Nov 15) */
.sample-strip .hero-fq-banner{min-height:0!important;overflow:visible}
.sample-strip .hero-fq-banner::after{display:none}
.sample-strip .hero-fq-bg{position:static;display:block;max-width:var(--wrap,1100px);margin:16px auto 0;padding:0 16px}
.sample-strip .hero-fq-bg img{position:static!important;width:100%!important;height:auto!important;aspect-ratio:16/9;max-height:400px;object-fit:cover;object-position:center 35%!important;border-radius:14px!important;-webkit-mask-image:none!important;mask-image:none!important}
.sample-strip .hero-fq-banner>.wrap{position:static!important;padding-top:1rem}
.sample-strip .hero-fq-copy{height:auto}
.sample-strip .hero-fq-copy .hero-actions{margin:1rem 0}
@media (max-width:600px){.sample-strip .hero-fq-bg img{max-height:230px}}

@media (min-width:601px){.sq-photo img{object-position:center 8%;max-height:380px}}

/* live payout tickers (Nov 15) */
.tickers{margin:1.75rem 0 .5rem}
.tk-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.tk-card{display:flex;flex-direction:column;align-items:center;text-align:center;background:#f6ecd0;border:1px solid #ead9a6;border-radius:16px;padding:16px 8px 14px}
.tk-ico{display:flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:#fff;color:#a8862a;margin-bottom:8px}
.tk-num{font-weight:800;font-size:clamp(1.15rem,5.4vw,2rem);line-height:1.15;color:#1a1a1a;font-variant-numeric:tabular-nums;white-space:nowrap}
.tk-lab{font-weight:700;font-size:1rem;margin-top:4px;color:#1a1a1a}
.tk-sub{font-size:.85rem;color:#666;margin-top:2px}
.tk-note{font-size:.8rem;color:#777;text-align:center;margin:.75rem 0 0;line-height:1.4}
@media (min-width:800px){.tk-grid{grid-template-columns:repeat(4,1fr)}.tk-num{font-size:1.6rem}}
/* form headline centered again, gap kept (home + free-quote) */
.form-sec h2:has(.ft-1){text-align:center}
.form-sec h2 .ft-1{white-space:normal}

.cmp-all{text-transform:none}

.ty-h1{text-align:center}

h1.ty-h1{font-family:var(--serif);color:var(--gold-title);font-weight:400;font-size:clamp(28px,4.2vw,38px);-webkit-text-stroke:.5px currentColor;line-height:1.3;letter-spacing:0;text-transform:none;text-wrap:balance}

/* apply hero single column (Nov 15) */
@media (min-width:0){.apply-hero.ap-one{display:block;max-width:720px}}
.ap-h2{font-size:clamp(28px,4.2vw,38px);-webkit-text-stroke:.5px currentColor;line-height:1.3;text-wrap:balance}
.ap-cta{margin:1.25rem 0}
.ap-img{display:block;margin:0 auto 1.25rem;max-width:560px}
.ap-img img{display:block;width:100%;height:auto}

.ap-one .bullets{display:inline-block;text-align:left;margin-left:auto;margin-right:auto}
.ap-one .center-m{text-align:center}

/* Nov15 apply cleanup */
.no-caps,.hours .actions .btn{text-transform:none}
.ap-img-link{display:block}
.apply-hero.ap-one{padding-bottom:8px}
.apply-hero.ap-one+.coverage-opts{padding-top:12px}

/* about headline matches owner title */
h1.about-name{font-family:var(--serif);color:var(--gold-title);font-size:clamp(22px,3vw,30px);font-weight:400;-webkit-text-stroke:0;text-transform:none;letter-spacing:normal}

/* bigger logo, same header height */
@media (max-width:799px){.logo img{width:140px;height:140px;margin:-22px 0 -22px -8px}}
@media (min-width:800px){.logo img{width:150px;height:150px;margin:-12px 0}}

/* new crisp wide logo, header height kept */
.logo{display:flex;align-items:center;min-height:126px}
.logo img.logo-wide{width:156px;height:auto;margin:0}
@media (max-width:799px){.logo{min-height:96px}.logo img.logo-wide{width:124px;height:auto;margin:0}}
/* clickable sticky call bar */
.promo a{color:inherit;text-decoration:none}