/* ======================================================================
   Insure Your Agent -- Redesign overlay.
   Loaded AFTER site.css. Operator's pamphlet register.
   Variety from the other sites: centered newspaper flag, warmer paper,
   question-based rhythm, softer rules, more humanist.
   2026-04-17.
   ====================================================================== */

:root {
  --paper: #F2EBD9;
  --paper-alt: #ECE3CC;
  --paper-deep: #E4D8BB;
  --paper-warm: #F8F2E1;
  --ink: #0A1532;
  --ink-soft: #1F2849;
  --ink-muted: #4A5576;
  --ink-faint: #6C7691;
  --rule: #D4C8A6;
  --rule-strong: #9C8E69;
  --warm: #9A4A30;
  --warm-deep: #6E331F;
  --warm-soft: #C8745A;
  --gold-soft: #C2A050;
  --navy: #0A1532;
  --navy-deep: #050A1F;
  --on-navy: #F0ECDF;
  --on-navy-muted: #9AA3BD;
}

body { background: var(--paper); font-size: 16.5px; color: var(--ink); }
a { color: var(--ink); }
a:hover { color: var(--warm-deep); }

/* ================================================================
   FP ECOSYSTEM STRIP -- uniform across all sites
   ================================================================ */
.fp-strip {
  background: var(--navy-deep);
  color: var(--on-navy);
  font-family: 'Inter', sans-serif;
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 500;
  border-bottom: 1px solid rgba(240, 236, 223, 0.08);
}
.fp-strip .container {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 1.8rem;
  padding-top: 0.65rem;
  padding-bottom: 0.65rem;
}
.fp-strip .fp-mark {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  color: var(--on-navy);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-decoration: none;
}
.fp-strip .fp-mark:hover { color: #fff; text-decoration: none; }
.fp-strip .fp-mark-glyph {
  width: 14px;
  height: 14px;
  border: 1px solid var(--warm-soft);
  border-radius: 50%;
  position: relative;
  flex-shrink: 0;
}
.fp-strip .fp-mark-glyph::after {
  content: "";
  position: absolute;
  inset: 3px;
  background: var(--warm-soft);
  border-radius: 50%;
}
.fp-strip .fp-nodes {
  display: flex;
  gap: 0;
  justify-content: center;
  flex-wrap: wrap;
  font-size: 0.66rem;
  letter-spacing: 0.1em;
}
.fp-strip .fp-nodes a {
  color: var(--on-navy-muted);
  padding: 0 1.1rem;
  border-right: 1px solid rgba(240, 236, 223, 0.14);
  text-decoration: none;
  transition: color 140ms ease;
}
.fp-strip .fp-nodes a:last-child { border-right: none; }
.fp-strip .fp-nodes a:hover { color: var(--on-navy); text-decoration: none; }
.fp-strip .fp-nodes a.here { color: var(--warm-soft); font-weight: 600; }
.fp-strip .fp-nodes a.here::before {
  content: "\25CF ";
  font-size: 0.5rem;
  margin-right: 0.35rem;
  vertical-align: middle;
}
.fp-strip .fp-tag { color: var(--on-navy-muted); font-size: 0.66rem; letter-spacing: 0.16em; }
@media (max-width: 960px) {
  .fp-strip .container { grid-template-columns: 1fr; gap: 0.8rem; }
  .fp-strip .fp-nodes { justify-content: flex-start; overflow-x: auto; flex-wrap: nowrap; }
  .fp-strip .fp-tag { display: none; }
}

/* ================================================================
   UTILITY BAR -- refined, warm accent dot
   ================================================================ */
.utility-bar { background: var(--navy); padding: 0.5rem 0; border-bottom: 1px solid rgba(240, 236, 223, 0.06); }
.utility-bar__inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 2rem;
}
.utility-bar__left { display: flex; gap: 1.5rem; font-size: 0.66rem; letter-spacing: 0.18em; color: var(--on-navy-muted); text-transform: uppercase; }
.utility-bar__right { color: var(--on-navy-muted); font-size: 0.62rem; letter-spacing: 0.22em; text-transform: uppercase; text-align: right; }
.utility-bar__dot { display: inline-block; background: var(--warm-soft); width: 5px; height: 5px; border-radius: 50%; margin-right: 0.5rem; vertical-align: middle; }

/* ================================================================
   MASTHEAD -- flush-left wordmark, commercial register
   ================================================================ */
.masthead {
  padding: 2.2rem 0 1.6rem;
  background: var(--paper-warm);
  border-bottom: 1px solid var(--rule);
  position: sticky;
  top: 0;
  z-index: 90;
  transition: padding 200ms ease, box-shadow 200ms ease;
}
.masthead.scrolled {
  padding: 1rem 0 0.9rem;
  box-shadow: 0 1px 0 var(--rule), 0 10px 30px -12px rgba(10, 21, 50, 0.12);
}

.masthead-inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 3rem;
  max-width: var(--container-max, 1280px);
  margin: 0 auto;
  padding: 0 2.2rem;
}

/* Drop the SVG shield glyph */
.wordmark-glyph { display: none !important; }

.wordmark {
  display: inline-flex;
  align-items: baseline;
  gap: 0.9rem;
  text-decoration: none;
  line-height: 1;
  position: relative;
}
.wordmark:hover { text-decoration: none; }
.wordmark:hover .wordmark-name { color: var(--warm-deep); }

.wordmark-text { display: flex; align-items: baseline; gap: 0.9rem; }

.wordmark-name {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.55rem, 2.6vw, 2.05rem);
  font-weight: 500;
  letter-spacing: -0.02em;
  color: var(--ink);
  line-height: 1;
  transition: color 160ms ease;
}

.wordmark-sub {
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  line-height: 1;
  padding-left: 0.9rem;
  border-left: 1px solid var(--rule-strong);
}

.masthead.scrolled .wordmark-sub { display: none; }
.masthead.scrolled .wordmark-name { font-size: 1.35rem; }

/* Nav row: flush right */
.nav {
  display: flex;
  justify-content: flex-end;
  gap: 2.2rem;
  align-items: center;
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  font-weight: 500;
}

.nav a {
  color: var(--ink-muted);
  padding: 0.3rem 0;
  position: relative;
  text-decoration: none;
  transition: color 160ms ease;
}
.nav a:hover { color: var(--ink); text-decoration: none; }
.nav a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -0.3rem;
  height: 1px;
  background: var(--warm);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 200ms ease;
}
.nav a:hover::after,
.nav a.active::after { transform: scaleX(1); }
.nav a.active { color: var(--ink); font-weight: 600; }

/* Commercial CTA -- For Carriers */
.nav a.nav-cta {
  border: 1px solid var(--warm);
  color: var(--warm);
  padding: 0.6rem 1.2rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  transition: background 160ms ease, color 160ms ease;
  margin-left: 0.6rem;
}
.nav a.nav-cta:hover {
  background: var(--warm);
  color: var(--paper-warm);
  text-decoration: none;
}
.nav a.nav-cta::after { display: none; }

.hamburger { display: none; }

@media (max-width: 1000px) {
  .wordmark-sub { display: none; }
  .nav { gap: 1.4rem; font-size: 0.66rem; }
  .nav a.nav-cta { padding: 0.45rem 0.9rem; }
}

@media (max-width: 780px) {
  .masthead-inner { grid-template-columns: auto auto; gap: 1rem; align-items: center; }
  .nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--paper-warm);
    border-bottom: 1px solid var(--rule);
    padding: 1.5rem 2.2rem;
    flex-direction: column;
    align-items: flex-start;
    gap: 1.2rem;
    display: none;
  }
  .nav.open { display: flex; }
  .hamburger { display: flex; flex-direction: column; gap: 4px; background: transparent; border: none; padding: 0.5rem; cursor: pointer; }
  .hamburger span { width: 22px; height: 1.5px; background: var(--ink); }
}

/* ================================================================
   HERO -- bigger serif, warmer, conversational
   ================================================================ */
.hero {
  padding: 6rem 0 5rem;
  background: linear-gradient(180deg, var(--paper-warm) 0%, var(--paper) 100%);
  border-bottom: 1px solid var(--rule);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 120px;
  height: 2px;
  background: var(--warm);
}
.hero::after {
  content: "";
  position: absolute;
  top: -50px;
  right: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle at center, rgba(154, 74, 48, 0.05) 0%, transparent 65%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.5fr) 300px;
  gap: 4rem;
  align-items: start;
}

.hero h1 {
  font-family: 'Fraunces', serif;
  font-size: clamp(2.6rem, 5.5vw, 4.4rem);
  line-height: 1.02;
  letter-spacing: -0.035em;
  font-weight: 400;
  color: var(--ink);
  max-width: 16ch;
  margin: 1.4rem 0 1.8rem;
}

.hero .lede {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.15rem, 1.7vw, 1.35rem);
  line-height: 1.55;
  color: var(--ink-soft);
  max-width: 58ch;
  margin: 0;
  font-weight: 400;
  border-left: 2px solid var(--warm);
  padding-left: 1.8rem;
}

.hero .label {
  font-family: 'Inter', sans-serif;
  font-size: 0.62rem;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  display: inline-block;
  padding-bottom: 0.4rem;
  border-bottom: 1px solid var(--warm);
}

.hero-meta {
  border-left: 1px solid var(--rule-strong);
  padding-left: 2rem;
  margin-top: 1rem;
  align-self: end;
}

.hero-meta dl { margin: 0; }
.hero-meta dt {
  font-family: 'Inter', sans-serif;
  font-size: 0.58rem;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--ink-faint);
  font-weight: 600;
  margin-bottom: 0.35rem;
}
.hero-meta dd {
  font-family: 'Fraunces', serif;
  font-size: 0.98rem;
  font-weight: 500;
  color: var(--ink);
  margin: 0 0 1.3rem;
  letter-spacing: -0.005em;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--rule);
}
.hero-meta dd:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-meta { border-left: none; padding-left: 0; border-top: 1px solid var(--rule); padding-top: 2rem; }
}

/* ================================================================
   SECTIONS general
   ================================================================ */
section { padding: 6rem 0; }
section:nth-of-type(even) { background: var(--paper-alt); }

.section-head {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 4rem;
  margin-bottom: 4rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--rule);
  align-items: end;
}

.label, .kicker {
  font-family: 'Inter', sans-serif;
  font-size: 0.62rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  display: inline-block;
  padding-bottom: 0.4rem;
  border-bottom: 1px solid var(--warm);
  margin-bottom: 1rem;
}

.label-warm { color: var(--warm); border-bottom-color: var(--warm); }

.section-head h2 {
  font-family: 'Fraunces', serif;
  font-size: clamp(2rem, 3.8vw, 3.2rem);
  line-height: 1.06;
  letter-spacing: -0.028em;
  margin: 0;
  font-weight: 500;
  color: var(--ink);
  max-width: 22ch;
}

.section-head .prose, .prose {
  font-family: 'Fraunces', serif;
  font-size: 1.08rem;
  line-height: 1.6;
  color: var(--ink-muted);
  margin: 0;
}

/* ================================================================
   FRAMING -- three things operators miss
   ================================================================ */
.framing {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 2px solid var(--ink);
  border-bottom: 1px solid var(--rule);
}
.framing-item {
  padding: 2.6rem 2rem 2.4rem 0;
  border-right: 1px solid var(--rule);
  position: relative;
}
.framing-item:last-child { border-right: none; padding-right: 0; }
.framing-item:not(:first-child) { padding-left: 2rem; }
.framing-item::before {
  counter-increment: framing;
  content: counter(framing, decimal-leading-zero);
  font-family: 'Fraunces', serif;
  font-size: 0.8rem;
  color: var(--warm);
  letter-spacing: 0.12em;
  display: block;
  margin-bottom: 1rem;
  padding-bottom: 0.6rem;
  border-bottom: 1px solid var(--warm);
  width: 2.4rem;
  font-weight: 500;
}
.framing { counter-reset: framing; }

.framing-item h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.4rem;
  font-weight: 500;
  line-height: 1.2;
  letter-spacing: -0.018em;
  color: var(--ink);
  margin: 0 0 1rem;
  max-width: 20ch;
}

.framing-item p {
  font-size: 0.94rem;
  line-height: 1.65;
  color: var(--ink-soft);
  margin: 0;
}

@media (max-width: 900px) {
  .framing { grid-template-columns: 1fr; }
  .framing-item { border-right: none; border-bottom: 1px solid var(--rule); padding: 2rem 0 !important; }
  .framing-item:last-child { border-bottom: none; }
}

/* ================================================================
   START-HERE -- three questions list (operator checklist vibe)
   ================================================================ */
.starthere {
  background: var(--ink) !important;
  color: var(--on-navy);
  padding: 7rem 0;
  position: relative;
  border-top: 2px solid var(--warm);
}

.starthere::before {
  content: "";
  position: absolute;
  top: -2px;
  left: 0;
  width: 140px;
  height: 2px;
  background: var(--warm-soft);
}

.starthere-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 5rem;
  align-items: start;
}

.starthere h2 {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--on-navy);
  line-height: 1.1;
  letter-spacing: -0.025em;
  margin: 0.8rem 0 1.2rem;
  max-width: 22ch;
  font-weight: 500;
}

.starthere p {
  color: var(--on-navy-muted);
  line-height: 1.7;
  font-size: 0.98rem;
  margin: 0 0 2rem;
  max-width: 48ch;
}

.starthere .label {
  color: var(--warm-soft);
  border-bottom-color: var(--warm-soft);
}

.starthere-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.7rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--on-navy);
  font-weight: 600;
  text-decoration: none;
  padding: 1.05rem 1.6rem;
  border: 1px solid rgba(240, 236, 223, 0.35);
  transition: background 160ms ease, border-color 160ms ease, gap 160ms ease;
}
.starthere-cta:hover {
  background: rgba(154, 74, 48, 0.12);
  border-color: var(--warm-soft);
  gap: 1rem;
  color: var(--on-navy);
  text-decoration: none;
}
.starthere-cta svg { width: 18px; height: 18px; color: var(--warm-soft); }

.starthere-list {
  list-style: none;
  padding: 0;
  margin: 0;
  counter-reset: q-counter;
}

.starthere-list li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.8rem;
  padding: 1.8rem 0;
  border-bottom: 1px solid rgba(240, 236, 223, 0.12);
  align-items: start;
}
.starthere-list li:first-child { border-top: 1px solid rgba(240, 236, 223, 0.12); }

.starthere-list .num {
  font-family: 'Fraunces', serif;
  font-size: 2rem;
  font-weight: 400;
  color: var(--warm-soft);
  line-height: 1;
  letter-spacing: -0.03em;
  min-width: 2.6rem;
}

.starthere-list li > div { padding-top: 0.3rem; }

.starthere-list h4 {
  font-family: 'Fraunces', serif;
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--on-navy);
  margin: 0 0 0.4rem;
  letter-spacing: -0.015em;
  line-height: 1.3;
}

.starthere-list p {
  font-size: 0.86rem;
  color: var(--on-navy-muted);
  margin: 0;
  line-height: 1.55;
  max-width: 48ch;
}

@media (max-width: 900px) {
  .starthere-grid { grid-template-columns: 1fr; gap: 2.5rem; }
}

/* ================================================================
   EVIDENCE -- dispatch-style quote + body
   ================================================================ */
.evidence {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  padding: 2.5rem 0;
  border-top: 2px solid var(--ink);
  border-bottom: 1px solid var(--rule);
}

.evidence-quote {
  font-family: 'Fraunces', serif;
  font-style: italic;
  font-size: clamp(1.4rem, 2.2vw, 1.95rem);
  line-height: 1.3;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin: 0;
  padding: 0;
  position: relative;
  border: none;
  quotes: "\201C" "\201D";
}

.evidence-quote::before {
  content: open-quote;
  font-family: 'Fraunces', serif;
  font-size: 5rem;
  line-height: 0.8;
  color: var(--warm);
  opacity: 0.5;
  position: absolute;
  top: -0.5rem;
  left: -1.5rem;
}

.evidence-body p {
  font-size: 0.98rem;
  line-height: 1.72;
  color: var(--ink-soft);
  margin: 0 0 1.2rem;
}

.evidence-body p:last-of-type { margin-bottom: 2rem; }

.evidence-body a {
  color: var(--warm-deep);
  text-decoration: underline;
  text-decoration-color: var(--warm-soft);
  text-underline-offset: 3px;
}

.evidence-attribution {
  padding-top: 1.4rem;
  border-top: 1px solid var(--rule);
  font-family: 'Inter', sans-serif;
  font-size: 0.78rem;
  line-height: 1.65;
  color: var(--ink-muted);
}
.evidence-attribution strong {
  display: block;
  font-size: 0.6rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  margin-bottom: 0.5rem;
}

@media (max-width: 900px) {
  .evidence { grid-template-columns: 1fr; gap: 2rem; }
  .evidence-quote::before { left: 0; top: -1rem; }
  .evidence-quote { padding-top: 2rem; padding-left: 0; }
}

/* ================================================================
   LATEST READING -- card grid
   ================================================================ */
.latest-reading {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule);
}
.latest-reading-card {
  padding: 1.8rem 1.6rem 2rem 0;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
  text-decoration: none;
  transition: background 160ms ease, transform 160ms ease;
}
.latest-reading-card:hover { background: var(--paper-warm); transform: translateY(-2px); text-decoration: none; }
.latest-reading-card:nth-child(3n) { border-right: none; padding-right: 0; }
.latest-reading-card:not(:nth-child(3n+1)) { padding-left: 1.6rem; }

.latest-reading-card .kicker {
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  border-bottom: none;
  padding-bottom: 0;
  margin-bottom: 0;
}

.latest-reading-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.2rem;
  font-weight: 500;
  line-height: 1.22;
  letter-spacing: -0.012em;
  color: var(--ink);
  margin: 0;
  max-width: 28ch;
}

.latest-reading-card p {
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--ink-muted);
  margin: 0;
}

.latest-reading-card .meta {
  margin-top: auto;
  padding-top: 0.9rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.66rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-faint);
  font-weight: 500;
  border-top: 1px solid var(--rule);
}

@media (max-width: 900px) {
  .latest-reading { grid-template-columns: 1fr; }
  .latest-reading-card,
  .latest-reading-card:nth-child(3n),
  .latest-reading-card:not(:nth-child(3n+1)) { padding: 1.8rem 0; border-right: none; }
}

/* ================================================================
   METHODOLOGY CONTEXT STRIP -- pre-footer, points to agentcertified.eu
   ================================================================ */
.method-strip {
  background: var(--paper-deep);
  padding: 4rem 0 3rem;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.method-strip .container {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 4rem;
  align-items: center;
}
.method-strip__label {
  font-family: 'Inter', sans-serif;
  font-size: 0.62rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  display: inline-block;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--warm);
  margin-bottom: 1.2rem;
}
.method-strip__title {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.4rem, 2.2vw, 1.9rem);
  font-weight: 500;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0 0 0.8rem;
  line-height: 1.2;
  max-width: 24ch;
}
.method-strip__body {
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--ink-soft);
  margin: 0;
  max-width: 52ch;
}
.method-strip__cta {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  padding: 1rem 1.6rem;
  border: 1px solid var(--ink);
  text-decoration: none;
  color: var(--ink);
  transition: background 160ms ease, color 160ms ease, gap 160ms ease;
  justify-self: end;
}
.method-strip__cta:hover { background: var(--ink); color: var(--paper); gap: 0.95rem; text-decoration: none; }
.method-strip__cta-domain { font-family: 'Fraunces', serif; font-size: 1.05rem; font-weight: 500; letter-spacing: -0.005em; }
.method-strip__cta-arrow { font-size: 0.9rem; color: var(--warm); }
.method-strip__cta:hover .method-strip__cta-arrow { color: var(--paper); }

@media (max-width: 800px) {
  .method-strip .container { grid-template-columns: 1fr; gap: 2rem; }
  .method-strip__cta { justify-self: start; }
}

/* ================================================================
   FOOTER -- warm family pattern
   ================================================================ */
.footer {
  background: var(--navy-deep);
  color: var(--on-navy);
  padding: 0;
  border-top: 3px solid var(--warm-soft);
}

.footer .footer-hero {
  padding: 5rem 0 3.5rem;
  border-bottom: 1px solid rgba(240, 236, 223, 0.08);
}
.footer-hero .container { display: grid; grid-template-columns: 1.2fr 1fr; gap: 5rem; align-items: end; }
.footer .fh-label {
  font-family: 'Inter', sans-serif;
  font-size: 0.66rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--warm-soft);
  margin-bottom: 1.2rem;
  font-weight: 600;
}
.footer .fh-lead {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.5rem, 2.2vw, 2rem);
  line-height: 1.25;
  color: var(--on-navy);
  max-width: 28ch;
  margin: 0;
  letter-spacing: -0.01em;
}
.footer .fh-aspire {
  font-size: 0.82rem;
  line-height: 1.7;
  color: var(--on-navy-muted);
  max-width: 44ch;
  padding-left: 2rem;
  border-left: 1px solid rgba(240, 236, 223, 0.15);
}
.footer .fh-aspire a { color: var(--warm-soft); text-decoration: underline; text-decoration-color: rgba(200, 116, 90, 0.4); }
.footer .fh-aspire a:hover { color: #fff; text-decoration-color: #fff; }
.footer .fh-hub {
  display: inline-block;
  margin-top: 1.1rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.64rem;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--on-navy-muted);
  border: 1px solid rgba(240, 236, 223, 0.2);
  padding: 0.7rem 1.3rem;
  font-weight: 600;
  text-decoration: none;
  transition: border-color 160ms ease, color 160ms ease;
}
.footer .fh-hub:hover { color: var(--on-navy); border-color: var(--on-navy); text-decoration: none; }
.footer .fh-hub-dot {
  display: inline-block;
  width: 5px;
  height: 5px;
  background: var(--warm-soft);
  border-radius: 50%;
  margin-right: 0.7rem;
  vertical-align: middle;
}

.footer .footer-grid {
  padding: 4rem 0 2rem;
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 5rem;
  align-items: start;
}

.footer-brand .wordmark { align-items: flex-start !important; text-align: left; }
.footer-brand .wordmark-glyph { display: none !important; }
.footer-brand .wordmark::after { display: none; }
.footer-brand .wordmark-name { color: var(--on-navy); font-size: 1.35rem; }
.footer-brand .wordmark-sub { color: var(--warm-soft); font-size: 0.58rem; }
.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.75;
  color: var(--on-navy-muted);
  max-width: 46ch;
  margin: 1.4rem 0 0;
}

.footer-meta h5,
.footer .footer-meta h5 {
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--warm-soft);
  font-weight: 600;
  margin: 0 0 1.4rem;
  padding-bottom: 0.8rem;
  border-bottom: 1px solid rgba(240, 236, 223, 0.12);
}
.footer-meta .footer-email {
  display: block;
  font-family: 'Fraunces', serif;
  font-size: 1.1rem;
  color: var(--on-navy);
  letter-spacing: -0.005em;
  text-decoration: none;
  border-bottom: 1px solid rgba(240, 236, 223, 0.25);
  padding-bottom: 0.15rem;
  margin-bottom: 0.8rem;
  transition: color 160ms ease, border-bottom-color 160ms ease;
}
.footer-meta .footer-email:hover { color: var(--warm-soft); border-bottom-color: var(--warm-soft); text-decoration: none; }
.footer-meta .footer-location {
  margin-top: 2rem;
  padding-top: 1.4rem;
  border-top: 1px solid rgba(240, 236, 223, 0.1);
  font-size: 0.7rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--on-navy-muted);
  line-height: 2;
}

.footer .footer-disclaimer,
.footer-disclaimer {
  background: transparent;
  border-top: 1px solid rgba(240, 236, 223, 0.1);
  padding: 2.4rem 0 1.6rem;
  margin: 0;
  font-size: 0.78rem;
  line-height: 1.7;
  color: var(--on-navy-muted);
}
.footer .footer-disclaimer strong {
  display: inline-block;
  font-size: 0.6rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--warm-soft);
  font-weight: 600;
  margin-right: 0.8rem;
}

.footer .footer-legal,
.footer-legal {
  padding: 1.4rem 0 2.4rem;
  border-top: 1px solid rgba(240, 236, 223, 0.08);
  font-size: 0.66rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--on-navy-muted);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}

@media (max-width: 900px) {
  .footer-hero .container { grid-template-columns: 1fr; gap: 2rem; align-items: start; }
  .footer .fh-aspire { padding-left: 0; border-left: none; padding-top: 1.5rem; border-top: 1px solid rgba(240, 236, 223, 0.1); }
  .footer .footer-grid { grid-template-columns: 1fr; gap: 2.5rem; padding: 3rem 0 1.5rem; }
}

/* ================================================================
   COVERAGE LANDSCAPE -- taxonomy of coverage types (commercial slot)
   ================================================================ */
.coverage-landscape {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
  border-top: 2px solid var(--ink);
  border-bottom: 1px solid var(--rule);
}

.coverage-card {
  padding: 2.4rem 2rem;
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.4rem;
  align-items: start;
}

.coverage-card:nth-child(2n) { border-right: none; }
.coverage-card:nth-last-child(-n+2) { border-bottom: none; }

.coverage-card__num {
  font-family: 'Fraunces', serif;
  font-size: 2.2rem;
  font-weight: 400;
  color: var(--warm);
  line-height: 1;
  letter-spacing: -0.02em;
  min-width: 3.6rem;
  padding-top: 0.3rem;
}

.coverage-card__body { display: flex; flex-direction: column; gap: 0.6rem; }

.coverage-card__label {
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  display: inline-block;
  padding-bottom: 0.35rem;
  border-bottom: 1px solid var(--warm);
  width: fit-content;
}

.coverage-card__name {
  font-family: 'Fraunces', serif;
  font-size: 1.3rem;
  font-weight: 500;
  line-height: 1.2;
  letter-spacing: -0.018em;
  color: var(--ink);
  margin: 0.2rem 0 0.4rem;
}

.coverage-card__desc {
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--ink-soft);
  margin: 0 0 0.6rem;
}

.coverage-card__market {
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  color: var(--ink-muted);
  letter-spacing: 0.04em;
  padding-top: 0.6rem;
  border-top: 1px solid var(--rule);
  line-height: 1.6;
}
.coverage-card__market strong {
  font-size: 0.58rem;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--ink-faint);
  font-weight: 600;
  display: block;
  margin-bottom: 0.35rem;
}

@media (max-width: 800px) {
  .coverage-landscape { grid-template-columns: 1fr; }
  .coverage-card { border-right: none; border-bottom: 1px solid var(--rule); }
  .coverage-card:last-child { border-bottom: none; }
}

/* ================================================================
   FOR CARRIERS -- commercial invitation block
   ================================================================ */
.carriers-block {
  background: var(--paper-warm);
  padding: 4.5rem 0 4rem;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  position: relative;
}

.carriers-block::before {
  content: "";
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 140px;
  height: 2px;
  background: var(--warm);
}

.carriers-inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 4rem;
  align-items: start;
}

.carriers-label {
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  display: inline-block;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--warm);
  margin-bottom: 1.4rem;
}

.carriers-title {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.6rem, 2.6vw, 2.2rem);
  font-weight: 500;
  letter-spacing: -0.022em;
  color: var(--ink);
  line-height: 1.15;
  margin: 0 0 1.2rem;
  max-width: 24ch;
}

.carriers-body {
  font-size: 1rem;
  line-height: 1.7;
  color: var(--ink-soft);
  margin: 0 0 2rem;
  max-width: 52ch;
}

.carriers-meta {
  background: var(--paper);
  border: 1px solid var(--rule);
  padding: 2rem 1.8rem;
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
}

.carriers-meta .cm-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding-bottom: 0.9rem;
  border-bottom: 1px solid var(--rule);
  gap: 1rem;
}

.carriers-meta .cm-row:last-child { border-bottom: none; padding-bottom: 0; }

.carriers-meta .cm-label {
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  letter-spacing: 0.26em;
  text-transform: uppercase;
  color: var(--ink-faint);
  font-weight: 600;
  flex-shrink: 0;
}

.carriers-meta .cm-value {
  font-family: 'Fraunces', serif;
  font-size: 0.98rem;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.005em;
  text-align: right;
}

.carriers-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  padding: 1rem 1.6rem;
  background: var(--ink);
  color: var(--paper-warm);
  text-decoration: none;
  font-family: 'Inter', sans-serif;
  font-size: 0.7rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-weight: 600;
  transition: background 160ms ease, gap 160ms ease;
  border: 1px solid var(--ink);
}
.carriers-cta:hover { background: var(--warm); border-color: var(--warm); gap: 0.95rem; color: var(--paper-warm); text-decoration: none; }
.carriers-cta .cc-arrow { color: var(--warm-soft); font-size: 0.9rem; }
.carriers-cta:hover .cc-arrow { color: var(--paper-warm); }

@media (max-width: 800px) {
  .carriers-inner { grid-template-columns: 1fr; gap: 2rem; }
}

/* ================================================================
   HERO label refinement -- dual audience
   ================================================================ */
.hero .label-dual {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  font-family: 'Inter', sans-serif;
  font-size: 0.62rem;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--warm);
  font-weight: 600;
  padding-bottom: 0.4rem;
  border-bottom: 1px solid var(--warm);
}
.hero .label-dual span { opacity: 0.7; }
.hero .label-dual em { font-style: normal; color: var(--ink-faint); opacity: 0.55; }