/* Harvey the Insurance Broker — Luxury Editorial Design System */
:root {
  --navy-950: #0a1628;
  --navy-900: #0f1f35;
  --navy-800: #162a45;
  --navy-700: #1e3a5f;
  --navy-600: #2a4a73;
  --champagne: #c4a574;
  --champagne-light: #d4bc94;
  --champagne-dark: #a88b5a;
  --cream: #f7f4ef;
  --cream-dark: #ebe6dc;
  --ivory: #fbf9f5;
  --white: #ffffff;
  --text: #1a2332;
  --text-muted: #5a6577;
  --text-on-dark: #e8e4dc;
  --text-on-dark-muted: #a8b0bc;
  --border: rgba(196, 165, 116, 0.25);
  --border-subtle: rgba(26, 35, 50, 0.08);
  --shadow-sm: 0 2px 8px rgba(10, 22, 40, 0.06);
  --shadow-md: 0 8px 32px rgba(10, 22, 40, 0.1);
  --shadow-lg: 0 16px 48px rgba(10, 22, 40, 0.14);
  --font-serif: "Cormorant Garamond", "Georgia", "Times New Roman", serif;
  --font-sans: "Outfit", "Segoe UI", system-ui, -apple-system, sans-serif;
  --max-width: 1180px;
  --header-h: 80px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --radius: 2px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-sans);
  font-weight: 400;
  color: var(--text);
  background: var(--ivory);
  line-height: 1.65;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button, input, select, textarea { font: inherit; color: inherit; }

/* Typography */
h1, h2, h3, h4 {
  font-family: var(--font-serif);
  font-weight: 500;
  line-height: 1.15;
  letter-spacing: -0.01em;
  color: var(--navy-900);
}

h1 { font-size: clamp(2.5rem, 5vw, 3.75rem); }
h2 { font-size: clamp(2rem, 3.5vw, 2.75rem); }
h3 { font-size: clamp(1.35rem, 2vw, 1.65rem); }
h4 { font-size: 1.2rem; }

.eyebrow {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--champagne-dark);
  margin-bottom: 1rem;
}

.lead {
  font-size: 1.15rem;
  line-height: 1.7;
  color: var(--text-muted);
  max-width: 38rem;
}

/* Layout */
.container {
  width: min(100% - 3rem, var(--max-width));
  margin-inline: auto;
}

.section { padding: clamp(4rem, 8vw, 6.5rem) 0; }

.section-dark {
  background: var(--navy-900);
  color: var(--text-on-dark);
}
.section-dark h1,
.section-dark h2,
.section-dark h3,
.section-dark h4 { color: var(--white); }
.section-dark .eyebrow { color: var(--champagne); }
.section-dark .lead,
.section-dark p { color: var(--text-on-dark-muted); }

.section-cream { background: var(--cream); }

.section-header {
  max-width: 40rem;
  margin-bottom: 3rem;
}
.section-header.centered {
  text-align: center;
  margin-inline: auto;
}
.section-header.centered .lead { margin-inline: auto; }

/* Header / Nav */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(251, 249, 245, 0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border-subtle);
  height: var(--header-h);
  transition: box-shadow 0.3s var(--ease);
}
.site-header.scrolled { box-shadow: var(--shadow-sm); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h);
  gap: 1.5rem;
}

.logo {
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
  flex-shrink: 0;
}
.logo-name {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy-900);
  letter-spacing: 0.01em;
  line-height: 1.1;
}
.logo-tag {
  font-size: 0.65rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--champagne-dark);
  font-weight: 500;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.15rem;
}
.nav-links a {
  font-size: 0.82rem;
  font-weight: 450;
  color: var(--text-muted);
  padding: 0.45rem 0.7rem;
  border-radius: var(--radius);
  transition: color 0.2s;
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active { color: var(--navy-900); }
.nav-links a.active { font-weight: 500; }

.nav-cta {
  flex-shrink: 0;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  width: 40px;
  height: 40px;
  position: relative;
  flex-shrink: 0;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--navy-900);
  margin: 5px auto;
  transition: 0.3s var(--ease);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  padding: 0.85rem 1.75rem;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: all 0.3s var(--ease);
  text-align: center;
  white-space: nowrap;
}
.btn-primary {
  background: var(--navy-900);
  color: var(--cream);
  border-color: var(--navy-900);
}
.btn-primary:hover {
  background: var(--navy-800);
  border-color: var(--navy-800);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}
.btn-gold {
  background: var(--champagne);
  color: var(--navy-950);
  border-color: var(--champagne);
}
.btn-gold:hover {
  background: var(--champagne-light);
  border-color: var(--champagne-light);
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent;
  color: var(--navy-900);
  border-color: var(--navy-900);
}
.btn-outline:hover {
  background: var(--navy-900);
  color: var(--cream);
}
.btn-outline-light {
  background: transparent;
  color: var(--cream);
  border-color: rgba(247, 244, 239, 0.45);
}
.btn-outline-light:hover {
  background: rgba(247, 244, 239, 0.1);
  border-color: var(--cream);
}
.btn-sm { padding: 0.6rem 1.25rem; font-size: 0.8rem; }
.btn-lg { padding: 1rem 2.25rem; font-size: 0.9rem; }

/* Hero */
.hero {
  position: relative;
  min-height: calc(100vh - var(--header-h));
  display: flex;
  align-items: center;
  background: var(--navy-950);
  color: var(--text-on-dark);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, rgba(10, 22, 40, 0.97) 0%, rgba(15, 31, 53, 0.92) 50%, rgba(22, 42, 69, 0.88) 100%),
    repeating-linear-gradient(
      90deg,
      transparent,
      transparent 80px,
      rgba(196, 165, 116, 0.03) 80px,
      rgba(196, 165, 116, 0.03) 81px
    );
  z-index: 0;
}
.hero::after {
  content: "";
  position: absolute;
  top: -20%;
  right: -10%;
  width: 60%;
  height: 120%;
  background: radial-gradient(ellipse, rgba(196, 165, 116, 0.08) 0%, transparent 70%);
  z-index: 0;
  pointer-events: none;
}
.hero-inner {
  position: relative;
  z-index: 1;
  padding: clamp(4rem, 10vw, 7rem) 0;
  max-width: 44rem;
}
.hero h1 { color: var(--white); margin-bottom: 1.5rem; }
.hero .lead {
  color: var(--text-on-dark-muted);
  margin-bottom: 2.5rem;
  font-size: 1.2rem;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 3rem;
}
.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(196, 165, 116, 0.2);
}
.hero-meta-item { font-size: 0.85rem; color: var(--text-on-dark-muted); }
.hero-meta-item strong {
  display: block;
  color: var(--champagne);
  font-weight: 500;
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 0.35rem;
}

/* Dual path cards */
.dual-paths {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-top: -3.5rem;
  position: relative;
  z-index: 2;
}
.path-card {
  background: var(--white);
  padding: 2.5rem;
  border: 1px solid var(--border-subtle);
  box-shadow: var(--shadow-md);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
}
.path-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.path-card .eyebrow { margin-bottom: 0.75rem; }
.path-card h3 { margin-bottom: 0.75rem; }
.path-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 1.5rem;
}
.path-card .link-arrow {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--champagne-dark);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: gap 0.25s var(--ease);
}
.path-card:hover .link-arrow { gap: 0.7rem; }

/* Trust strip */
.trust-strip {
  background: var(--cream);
  border-block: 1px solid var(--border-subtle);
  padding: 2.25rem 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.trust-item strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 550;
  color: var(--navy-900);
  margin-bottom: 0.35rem;
}
.trust-item span {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.4;
}

/* Cards / grids */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}
.card {
  background: var(--white);
  border: 1px solid var(--border-subtle);
  padding: 2rem;
  transition: border-color 0.3s, box-shadow 0.3s var(--ease);
}
.card:hover {
  border-color: var(--border);
  box-shadow: var(--shadow-sm);
}
.card-icon {
  width: 40px;
  height: 40px;
  margin-bottom: 1.25rem;
  color: var(--champagne-dark);
}
.card h3 { margin-bottom: 0.65rem; font-size: 1.3rem; }
.card p { color: var(--text-muted); font-size: 0.95rem; }

/* How we work steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  counter-reset: step;
}
.step { position: relative; padding-top: 0.5rem; }
.step::before {
  counter-increment: step;
  content: "0" counter(step);
  display: block;
  font-family: var(--font-serif);
  font-size: 2rem;
  color: var(--champagne);
  margin-bottom: 1rem;
  line-height: 1;
}
.step h3 { margin-bottom: 0.6rem; font-size: 1.2rem; }
.step p { color: var(--text-muted); font-size: 0.92rem; }

/* Feature list */
.feature-list { display: grid; gap: 1rem; }
.feature-list li {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--border-subtle);
}
.feature-list li:last-child { border-bottom: none; }
.feature-list .marker {
  flex-shrink: 0;
  width: 8px;
  height: 8px;
  margin-top: 0.55rem;
  background: var(--champagne);
  border-radius: 50%;
}
.feature-list h4 { margin-bottom: 0.3rem; }
.feature-list p { color: var(--text-muted); font-size: 0.95rem; }

/* Two column */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
.split-content .lead { margin-bottom: 1.5rem; }
.split-visual {
  background: var(--navy-900);
  aspect-ratio: 4/5;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: flex-end;
  padding: 2.5rem;
}
.split-visual::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(160deg, var(--navy-800) 0%, var(--navy-950) 100%),
    repeating-linear-gradient(
      -45deg,
      transparent,
      transparent 40px,
      rgba(196, 165, 116, 0.04) 40px,
      rgba(196, 165, 116, 0.04) 41px
    );
}
.split-visual-caption {
  position: relative;
  z-index: 1;
  color: var(--text-on-dark-muted);
  font-size: 0.9rem;
}
.split-visual-caption strong {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--white);
  margin-bottom: 0.5rem;
  font-weight: 500;
}

/* Page hero (inner pages) */
.page-hero {
  background: var(--navy-900);
  color: var(--text-on-dark);
  padding: clamp(3.5rem, 7vw, 5.5rem) 0;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  width: 40%;
  height: 100%;
  background: radial-gradient(ellipse at right, rgba(196, 165, 116, 0.1) 0%, transparent 70%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; max-width: 42rem; }
.page-hero h1 { color: var(--white); margin-bottom: 1.25rem; }
.page-hero .lead { color: var(--text-on-dark-muted); }

/* Audience / service blocks */
.audience-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.audience-card {
  background: var(--white);
  border: 1px solid var(--border-subtle);
  padding: 2.5rem;
}
.audience-card h3 {
  margin-bottom: 1rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border);
}
.audience-card p { color: var(--text-muted); margin-bottom: 1rem; }
.audience-card ul { margin-top: 1rem; }
.audience-card li {
  position: relative;
  padding-left: 1.25rem;
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 0.5rem;
}
.audience-card li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 6px;
  height: 6px;
  background: var(--champagne);
  border-radius: 50%;
}

/* Coverage detail */
.coverage-block {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 3rem;
  padding: 3rem 0;
  border-bottom: 1px solid var(--border-subtle);
}
.coverage-block:last-child { border-bottom: none; }
.coverage-block h3 { margin-bottom: 0.5rem; }
.coverage-label {
  font-size: 0.75rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--champagne-dark);
  font-weight: 500;
  margin-bottom: 0.75rem;
}
.coverage-body p { color: var(--text-muted); margin-bottom: 1rem; }
.coverage-body ul { display: grid; gap: 0.4rem; }
.coverage-body li {
  position: relative;
  padding-left: 1.15rem;
  color: var(--text-muted);
  font-size: 0.95rem;
}
.coverage-body li::before {
  content: "—";
  position: absolute;
  left: 0;
  color: var(--champagne);
}

/* CTA band */
.cta-band {
  background: var(--navy-950);
  padding: clamp(3.5rem, 7vw, 5rem) 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(196, 165, 116, 0.12) 0%, transparent 65%);
}
.cta-band .container { position: relative; z-index: 1; }
.cta-band h2 { color: var(--white); margin-bottom: 1rem; }
.cta-band p {
  color: var(--text-on-dark-muted);
  max-width: 32rem;
  margin: 0 auto 2rem;
  font-size: 1.05rem;
}
.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

/* About */
.bio-layout {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 3.5rem;
  align-items: start;
}
.bio-portrait {
  background: var(--navy-900);
  aspect-ratio: 3/4;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(196, 165, 116, 0.28);
}
.bio-portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 18%;
  display: block;
}
.bio-portrait-label {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 1;
  padding: 1.25rem 1.5rem;
  color: var(--champagne);
  font-size: 0.75rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  background: linear-gradient(180deg, transparent, rgba(12, 26, 46, 0.72));
}
.bio-content .eyebrow { margin-bottom: 0.75rem; }
.bio-content h2 { margin-bottom: 1.5rem; }
.bio-content p {
  color: var(--text-muted);
  margin-bottom: 1.25rem;
}
.bio-creds {
  margin-top: 2rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border-subtle);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.bio-creds dt {
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--champagne-dark);
  font-weight: 500;
  margin-bottom: 0.35rem;
}
.bio-creds dd { color: var(--text); font-size: 0.95rem; }

/* Contact form */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 3.5rem;
  align-items: start;
}
.contact-info h2 { margin-bottom: 1rem; }
.contact-info .lead { margin-bottom: 2rem; }
.contact-detail {
  margin-bottom: 1.5rem;
}
.contact-detail strong {
  display: block;
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--champagne-dark);
  margin-bottom: 0.4rem;
  font-weight: 500;
}
.contact-detail a {
  color: var(--navy-900);
  transition: color 0.2s;
}
.contact-detail a:hover { color: var(--champagne-dark); }

.form-card {
  background: var(--white);
  border: 1px solid var(--border-subtle);
  padding: clamp(2rem, 4vw, 2.75rem);
  box-shadow: var(--shadow-sm);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--navy-900);
  letter-spacing: 0.02em;
}
.form-group label .req { color: var(--champagne-dark); }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.8rem 1rem;
  border: 1px solid rgba(26, 35, 50, 0.15);
  border-radius: var(--radius);
  background: var(--ivory);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--champagne);
  box-shadow: 0 0 0 3px rgba(196, 165, 116, 0.15);
}
.form-group textarea { min-height: 140px; resize: vertical; }
.form-note {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 1rem;
  margin-bottom: 1.5rem;
}
.form-success {
  display: none;
  text-align: center;
  padding: 3rem 1.5rem;
}
.form-success.visible { display: block; }
.form-success h3 { margin-bottom: 0.75rem; color: var(--navy-900); }
.form-success p { color: var(--text-muted); margin-bottom: 1.5rem; }
.form-wrap.submitted .form-fields { display: none; }
.form-wrap.submitted .form-success { display: block; }

/* Footer */
.site-footer {
  background: var(--navy-950);
  color: var(--text-on-dark-muted);
  padding-top: 4rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(196, 165, 116, 0.15);
}
.footer-brand .logo-name { color: var(--white); }
.footer-brand .logo-tag { color: var(--champagne); }
.footer-brand p {
  margin-top: 1.25rem;
  font-size: 0.9rem;
  max-width: 18rem;
  line-height: 1.6;
}
.footer-col h4 {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--champagne);
  margin-bottom: 1.25rem;
}
.footer-col ul { display: grid; gap: 0.55rem; }
.footer-col a {
  font-size: 0.9rem;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--cream); }

.footer-bottom {
  padding: 1.75rem 0 2.25rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.footer-disclaimer {
  font-size: 0.75rem;
  line-height: 1.55;
  color: rgba(168, 176, 188, 0.85);
  max-width: 56rem;
}
.footer-copy {
  font-size: 0.8rem;
  color: rgba(168, 176, 188, 0.7);
}

/* Reveal animation */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Focus accessibility */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--champagne);
  outline-offset: 2px;
}

/* Responsive */
@media (max-width: 1024px) {
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: var(--header-h);
    left: 0;
    right: 0;
    background: var(--ivory);
    padding: 1.5rem;
    border-bottom: 1px solid var(--border-subtle);
    box-shadow: var(--shadow-md);
    gap: 0.25rem;
    align-items: stretch;
  }
  .nav-links.open a {
    padding: 0.85rem 1rem;
    font-size: 0.95rem;
  }
  .nav-cta .btn { display: none; }
  .site-header { position: relative; }
  .site-header .nav-inner { position: static; }

  .dual-paths,
  .trust-grid,
  .steps,
  .audience-grid,
  .split,
  .bio-layout,
  .contact-layout,
  .footer-grid,
  .coverage-block,
  .form-grid {
    grid-template-columns: 1fr;
  }
  .bio-creds { grid-template-columns: 1fr; }
  .split-visual { aspect-ratio: 16/10; max-height: 320px; }
  .bio-portrait { max-width: 280px; }
}

@media (max-width: 640px) {
  .container { width: min(100% - 2rem, var(--max-width)); }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .trust-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
  .path-card { padding: 1.75rem; }
  .cta-actions { flex-direction: column; align-items: stretch; }
}

/* Carrier logo / wordmark strip */
.carrier-strip {
  padding: 3.5rem 0;
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
  background: var(--cream, #f7f4ef);
}
.carrier-strip .eyebrow { margin-bottom: 0.75rem; }
.carrier-strip-heading {
  font-size: clamp(1.35rem, 2vw, 1.75rem);
  margin-bottom: 0.85rem;
  color: var(--navy-900, #0c1a2e);
}
.carrier-strip-note {
  max-width: 46rem;
  color: var(--text-muted);
  font-size: 0.92rem;
  line-height: 1.55;
  margin-bottom: 2rem;
}
.carrier-logo-row {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.25rem;
  align-items: stretch;
}
.carrier-logo-row li {
  flex: 1 1 140px;
  min-width: 140px;
  max-width: 220px;
}
.carrier-mark {
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  min-height: 4.25rem;
  padding: 1rem 1.1rem;
  border: 1px solid rgba(12, 26, 46, 0.12);
  background: #fff;
  color: var(--navy-900, #0c1a2e);
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  line-height: 1.25;
}
@media (max-width: 720px) {
  .carrier-logo-row li { flex: 1 1 calc(50% - 0.75rem); max-width: none; }
}



/* flood-article reveal safety */
/* Long articles must never stay invisible if JS/observer fails */
article.coverage-body {
  opacity: 1 !important;
  transform: none !important;
}