/* Shared brand colours and sizes. All text is at least 17px. */
:root {
  --ink: #18232b; --gold: #d0a537; --blue: #007caa;
  --paper: #faf8f3; --muted: #56616a; --line: #d9dddc;
  --header-height: 100px; --dock-height: 145px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-height) + 16px); }
body { margin: 0; background: var(--paper); color: var(--ink); font: 17px/1.7 'DM Sans', sans-serif; }
[hidden] { display: none !important; }
a { color: inherit; text-decoration: none; }
a:hover { text-decoration: underline; }
button, input, select, textarea { font: inherit; }
button, summary, a { touch-action: manipulation; }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 4px; }
img { max-width: 100%; height: auto; }
p { margin: 0 0 1.2rem; }
h1, h2, h3, h4 { line-height: 1.18; margin: 0 0 1.2rem; }
h1, h2 { font-family: 'Libre Caslon Display', Georgia, serif; font-weight: 400; }
h1 { font-size: clamp(46px, 5.7vw, 80px); letter-spacing: -1.5px; }
h2 { font-size: clamp(38px, 4vw, 56px); }
h3 { font-size: 23px; } h4 { font-size: 18px; }
em { font-style: normal; color: #876711; }
.wrap { width: min(1160px, calc(100% - 36px)); margin: auto; }
.section { padding-block: 58px; }
.eyebrow { font-size: 17px; font-weight: 700; letter-spacing: 1.3px; color: #69541d; margin-bottom: 20px; }
.lead { font-size: 20px; max-width: 540px; color: var(--muted); }
.quiet, small { font-size: 17px; color: var(--muted); }
.button { display: inline-flex; align-items: center; justify-content: center; padding: 14px 22px; background: var(--gold); color: var(--ink); border: 1px solid var(--gold); border-radius: 6px; min-height: 50px; font-weight: 700; cursor: pointer; text-align: center; }
.button:hover { background: #e0b748; text-decoration: none; }
.button:disabled { opacity: .7; cursor: wait; }
.outline { background: transparent; border-color: #a8afb3; }
.outline:hover { background: #f4e9c8; }
.actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 30px 0 20px; }
.actions .button { width: 100%; }
.text-link { color: var(--blue); font-weight: 700; display: inline-block; padding: 10px 0; }
.topline { text-align: center; background: var(--ink); color: #eee2bd; padding: 7px 16px; }
header { background: #faf8f3; position: sticky; top: 0; z-index: 30; border-bottom: 1px solid var(--line); }
.header-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px; padding-block: 12px; }
.brand { display: flex; align-items: center; gap: 10px; min-width: 0; }
.brand img { border-radius: 50%; width: 48px; height: 48px; flex-shrink: 0; }
.brand > span { font-weight: 700; font-size: 22px; line-height: 1.3; overflow-wrap: anywhere; }
.brand small { display: block; font-size: 17px; font-weight: 400; }
header .brand { flex: 1; }
/* Keep the small-phone header compact; the full tagline remains in the footer. */
header .brand small { display: none; }
.menu-toggle { display: block; flex-shrink: 0; border: 1px solid #a8afb3; padding: 10px; border-radius: 5px; background: transparent; cursor: pointer; min-height: 48px; }
#menu { width: 100%; display: flex; flex-direction: column; align-items: stretch; gap: 0; max-height: 65dvh; overflow-y: auto; }
.js #menu:not(.open) { display: none; }
#menu > a, .submenu a { display: block; padding: 12px; }
.services-dropdown { border: 0; padding: 0; position: relative; }
.services-dropdown > summary { padding: 12px; }
.submenu { background: #f0ece0; border-radius: 6px; margin-bottom: 8px; }
.hero { padding: 46px 0 50px; background: radial-gradient(ellipse at 90% 40%, #eee4c8, transparent 55%); }
.hero-grid, .split { display: grid; grid-template-columns: minmax(0, 1fr); gap: 35px; }
.hero-panel { background: var(--ink); color: #fff; padding: 28px 24px 18px; border-radius: 14px; box-shadow: 7px 7px 0 #e8dfc6; }
.hero-panel .eyebrow { color: #e6c66e; }
.hero-panel h2 { font-size: 40px; }
.hero-panel > a { display: flex; gap: 12px; align-items: center; padding: 19px 0; border-top: 1px solid #ffffff30; }
.hero-panel b { margin-left: auto; color: var(--gold); }
.hero-panel small { display: block; color: #c6cdd2; }
.hero-panel > p:last-child { color: #c6cdd2; margin-top: 15px; }
.symbol { font-family: 'Material Symbols Outlined'; font-size: 30px; font-weight: normal; line-height: 1; font-style: normal; font-feature-settings: 'liga'; display: inline-block; white-space: nowrap; }
.hero-panel .symbol { color: #e6c66e; }
.promise-strip { border-block: 1px solid var(--line); background: #fff; }
.promise-strip .wrap { display: flex; flex-direction: column; padding-block: 21px; gap: 7px; }
.intro-card { text-align: center; background: #eee9dc; border: 1px solid #ded7c5; padding: 35px 24px; border-radius: 14px; }
.intro-card img { border-radius: 50%; margin-bottom: 25px; }
.intro-card h2 { font-size: 38px; }
.term { color: var(--muted); border-left: 3px solid var(--gold); padding: 14px 18px; margin: 28px 0 0; background: #ffffffb8; }
/* Full-width category sections use soft blue, gold and orange logo tints. */
.insurance-tint { background: #eaf5f9; }
.loan-tint { background: #f7f0dc; }
.property-tint { background: #fff0e3; }
.choose { background: #fff; }
.category-cards { display: grid; grid-template-columns: minmax(0, 1fr); gap: 18px; margin-top: 30px; }
.category-card { padding: 28px 24px; border: 1px solid #18232b22; border-radius: 14px; display: flex; flex-direction: column; align-items: flex-start; }
.category-card .symbol { font-size: 48px; color: var(--blue); margin-bottom: 24px; }
.category-card .button { margin-top: auto; width: 100%; }
.quick-finder { margin-top: 36px; padding: 26px 22px; border: 1px solid var(--line); border-radius: 14px; background: var(--paper); }
.quick-finder nav { display: flex; flex-wrap: wrap; gap: 14px; }
.quick-finder a { flex: 1 1 230px; min-height: 58px; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 14px 18px; background: #fff; border: 1px solid #a8afb3; border-radius: 6px; font-weight: 600; }
/* Flex wrapping centres the final row without empty grid cells. */
.cards { display: flex; flex-wrap: wrap; justify-content: center; align-items: flex-start; gap: 18px; margin-top: 28px; }
.service-card { flex: 0 1 100%; min-width: 0; padding: 26px; background: #fff; border: 1px solid #18232b22; border-radius: 12px; }
.service-card > .symbol { color: var(--blue); background: #e4f1f5; border-radius: 10px; padding: 12px; margin-bottom: 22px; }
.service-card h3 { font-size: 22px; }
.service-card p { color: var(--muted); }
.service-details { padding: 0; margin-top: 22px; border: 0; }
.service-details > summary { color: #705512; padding: 12px 14px; border: 1px solid #b5a77d; border-radius: 6px; background: #fcfaf2; min-height: 50px; }
.detail-panel { margin-top: 18px; border-top: 1px solid var(--line); padding-top: 20px; }
.detail-panel h4 { margin-bottom: 8px; }
.detail-panel .button { width: 100%; }
.property-card { display: flex; flex-direction: column; align-items: flex-start; }
.property-card .button { width: 100%; margin-top: auto; }
.property-tabs { display: flex; gap: 8px; padding: 7px; background: #fff; border: 1px solid #c9bcad; border-radius: 10px; margin: 28px 0 22px; }
.property-tabs button { flex: 1; min-width: 0; min-height: 50px; padding: 10px 12px; border: 0; border-radius: 6px; color: var(--ink); background: transparent; font-weight: 700; cursor: pointer; }
.property-tabs button[aria-selected="true"] { background: var(--ink); color: #fff; }
[role="tabpanel"] { border-radius: 5px; }
.steps { display: grid; grid-template-columns: minmax(0, 1fr); gap: 26px; margin-top: 40px; }
.steps article { border-top: 1px solid #c9c6bd; padding-top: 22px; }
.steps article > span { color: #8a6b1c; font-family: Georgia, serif; font-size: 32px; }
.steps h3 { margin-top: 20px; }
.steps p { color: var(--muted); }
.why { background: var(--ink); color: #fff; }
.why .eyebrow { color: #e6c66e; }
.why-list p { padding-bottom: 14px; border-bottom: 1px solid #ffffff26; }
details { border-bottom: 1px solid var(--line); padding: 20px 0; }
summary { cursor: pointer; font-weight: 600; line-height: 1.5; }
details p { color: var(--muted); }
#faqs details p { padding-top: 18px; margin-bottom: 6px; }
.reviews { background: #ede9df; }
.review-grid { display: grid; grid-template-columns: minmax(0, 1fr); gap: 20px; margin-top: 30px; }
.review-grid article { background: var(--paper); border: 1px dashed #a8a393; padding: 26px; border-radius: 10px; }
.review-grid article > span { font-family: Georgia, serif; color: #80651f; font-size: 52px; line-height: 1; }
.review-grid p { margin-top: 15px; }
address { font-style: normal; margin-top: 30px; }
address a { color: var(--blue); overflow-wrap: anywhere; }
.map-placeholder { border: 1px dashed #a8afb3; border-radius: 10px; background: #eeefe9; padding: 25px; }
.map-placeholder .symbol { color: var(--blue); vertical-align: middle; margin-right: 8px; }
.map-placeholder p { margin: 12px 0 0; }
form { min-width: 0; background: #fff; padding: 24px; border: 1px solid var(--line); border-radius: 14px; }
form h3 { font-size: 26px; }
.form-grid { display: grid; grid-template-columns: minmax(0, 1fr); }
label { display: block; font-weight: 600; margin-bottom: 8px; }
input, select, textarea { width: 100%; min-width: 0; padding: 12px; border: 1px solid #a8afb3; border-radius: 5px; background: #fff; color: var(--ink); min-height: 48px; margin-bottom: 18px; }
textarea { resize: vertical; }
.consent { display: flex; align-items: flex-start; gap: 10px; font-weight: 400; }
.consent input { width: 20px; min-height: 20px; flex-shrink: 0; margin-top: 5px; }
.honeypot { display: none; }
form .button { width: 100%; }
#form-status { margin-top: 18px; color: #705512; }
footer { background: var(--ink); color: #e0e4e7; padding: 55px 0 25px; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1fr); gap: 35px; }
.footer-grid h3 { font-size: 19px; color: #e6c66e; }
.footer-grid a:not(.brand) { display: block; padding: 8px 0; overflow-wrap: anywhere; }
.footer-grid .brand { margin-bottom: 20px; }
.footer-grid .brand small { color: #d0d6da; }
.footer-grid p { margin-top: 12px; }
.footer-bottom { border-top: 1px solid #ffffff30; margin-top: 40px; padding-top: 24px; color: #b9c2c8; }
.footer-bottom a { display: block; margin-top: 15px; }
/* One dock keeps the service bar and contact buttons from overlapping. */
.mobile-dock { position: fixed; inset: auto 0 0; z-index: 40; background: var(--ink); padding: 8px 12px calc(10px + env(safe-area-inset-bottom)); border-top: 1px solid #ffffff30; }
.mobile-services { display: flex; margin-bottom: 8px; gap: 4px; }
.mobile-services a { flex: 1; min-width: 0; text-align: center; padding: 9px 3px; min-height: 46px; color: #fff; border-radius: 5px; border-bottom: 3px solid transparent; }
.mobile-services a.active { color: #f1d27a; background: #ffffff12; border-bottom-color: var(--gold); }
.mobile-contact { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.mobile-contact a { text-align: center; background: var(--gold); color: var(--ink); padding: 12px 6px; border-radius: 5px; font-weight: 700; }
.mobile-contact a:last-child { background: #e1f1f2; }
body { padding-bottom: var(--dock-height); }
.skip { position: fixed; left: 15px; top: -150px; padding: 12px; background: #fff; z-index: 99; }
.skip:focus { top: 10px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; border: 0; }
/* Enhance the phone layout as more space becomes available. */
@media (min-width: 600px) {
  header .brand small { display: block; }
  .service-card { flex-basis: calc((100% - 18px) / 2); }
  .steps, .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .actions .button { width: auto; }
  .form-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 18px; }
}
@media (min-width: 761px) {
  .section { padding-block: 85px; }
  .hero { padding: 70px 0; }
  .hero-grid { grid-template-columns: 1.2fr 1fr; align-items: center; }
  .split { grid-template-columns: .9fr 1.1fr; gap: 45px; }
  .category-cards, .review-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .promise-strip .wrap { flex-direction: row; justify-content: space-between; gap: 20px; }
  .mobile-dock { display: none; }
  body { padding-bottom: 0; }
  form { padding: 30px; }
  .footer-bottom a { display: inline; float: right; margin: 0; }
}
@media (min-width: 1000px) {
  .service-card { flex-basis: calc((100% - 36px) / 3); }
  .steps { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .property-card { min-height: 320px; }
}
@media (min-width: 1101px) {
  .header-inner { flex-wrap: nowrap; min-height: 92px; }
  header .brand { flex: 0 1 auto; }
  header .brand small { max-width: 210px; }
  .menu-toggle { display: none; }
  #menu, .js #menu:not(.open) { display: flex; width: auto; flex-direction: row; align-items: center; gap: 12px; overflow: visible; max-height: none; }
  #menu > a, .services-dropdown > summary { padding: 10px 5px; white-space: nowrap; }
  #menu > .button { padding-inline: 14px; }
  .submenu { position: absolute; top: 100%; left: 0; min-width: 190px; background: #fff; border: 1px solid var(--line); padding: 8px; box-shadow: 0 10px 25px #18232b18; }
  .submenu a:hover { background: var(--paper); }
  .hero-grid { gap: 60px; }
  .split { gap: 70px; }
  .footer-grid { grid-template-columns: 1.5fr .8fr .8fr 1.1fr; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }