:root{
  --text:#f7efe2;
  --muted:#d7c6a8;
  --gold:#d9aa57;
  --gold-soft:#f3d39a;
  --bronze:#9f6a2d;
  --panel:rgba(24,16,13,.64);
  --panel-strong:rgba(18,12,10,.82);
  --border:rgba(255,231,194,.10);
  --shadow:0 36px 100px rgba(0,0,0,.46);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}

body{
  margin:0;
  font-family:Manrope,system-ui,sans-serif;
  color:var(--text);
  overflow-x:hidden;
  background:
    radial-gradient(circle at 8% 0%, rgba(184,122,38,.14), transparent 24%),
    radial-gradient(circle at 92% 6%, rgba(119,64,20,.18), transparent 22%),
    linear-gradient(180deg,#120b08,#050404 68%,#030303);
}

a{text-decoration:none;color:inherit}

a:focus-visible,
button:focus-visible,
select:focus-visible{
  outline:2px solid var(--gold-soft);
  outline-offset:4px;
}

.page-shell{
  width:min(100%,2050px);
  margin:0 auto;
  padding:18px 28px 48px;
}

.hero{
  position:relative;
  min-height:1180px;
  border-radius:36px;
  overflow:hidden;
  border:1px solid var(--border);
  box-shadow:var(--shadow);
  background:#07090d;
}

.hero-bg{
  position:absolute;
  inset:0;
  overflow:hidden;
  background:url("../img/hero-ai-sunset-road.png") center center / cover no-repeat;
  transform:scale(1.02);
}

.hero-bg::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    radial-gradient(circle at 67% 36%, rgba(255,203,118,.18) 0 8%, rgba(255,179,88,.10) 8% 18%, transparent 19%),
    linear-gradient(90deg, rgba(19,11,8,.48) 0%, rgba(19,11,8,.18) 35%, rgba(19,11,8,.06) 58%, rgba(19,11,8,.18) 100%),
    linear-gradient(180deg, rgba(12,8,7,.10) 0%, rgba(12,8,7,.02) 24%, rgba(12,8,7,.18) 100%);
}

.hero-bg::after{
  content:"";
  position:absolute;
  inset:0;
  background:
    radial-gradient(circle at 64% 40%, rgba(255,210,138,.12) 0%, transparent 28%),
    linear-gradient(180deg, rgba(0,0,0,0) 0%, rgba(7,5,4,.14) 72%, rgba(7,5,4,.34) 100%);
  mix-blend-mode:screen;
  opacity:.75;
}

.hero-overlay{
  position:absolute;
  inset:0;
  background:
    linear-gradient(90deg, rgba(18,11,9,.96) 0%, rgba(18,11,9,.82) 30%, rgba(18,11,9,.38) 58%, rgba(18,11,9,.18) 100%),
    linear-gradient(180deg, rgba(255,196,105,.04) 0%, rgba(16,10,8,.10) 22%, rgba(10,7,6,.34) 100%);
}

.site-header{
  position:relative;
  z-index:4;
  display:grid;
  grid-template-columns:auto minmax(0,1fr) auto;
  align-items:center;
  gap:28px;
  padding:16px 28px 18px;
  background:linear-gradient(180deg, rgba(23,14,11,.46), rgba(23,14,11,.24));
  border-bottom:1px solid rgba(255,255,255,.06);
  backdrop-filter:blur(10px);
}

.brand{
  display:flex;
  align-items:center;
  gap:15px;
  min-width:0;
}

.brand-crest{
  display:block;
  width:68px;
  height:auto;
  flex:0 0 auto;
  filter:drop-shadow(0 10px 20px rgba(0,0,0,.28));
}

.brand-copy{
  display:flex;
  flex-direction:column;
  gap:3px;
  min-width:0;
}

.brand-title{
  color:#f5d497;
  font:700 clamp(1.18rem,1.8vw,1.58rem)/1 Cinzel,serif;
  letter-spacing:.07em;
  text-shadow:0 1px 0 rgba(0,0,0,.18), 0 12px 22px rgba(0,0,0,.24);
}

.brand-subtitle{
  color:rgba(244,219,174,.9);
  font:700 .72rem/1 Cinzel,serif;
  letter-spacing:.29em;
  white-space:nowrap;
}

.site-nav{
  display:flex;
  justify-content:center;
  gap:22px;
  flex-wrap:wrap;
  font-weight:700;
  font-size:1rem;
}

.nav-link{
  padding:12px 18px;
  border-radius:999px;
  background:rgba(255,255,255,.02);
  border:1px solid transparent;
  transition:background-color .2s ease,border-color .2s ease,transform .2s ease,color .2s ease;
}

.nav-link:hover{
  background:rgba(255,255,255,.06);
  border-color:rgba(243,211,154,.18);
  color:#fff7e8;
  transform:translateY(-1px);
}

.call-pill{
  min-height:64px;
  padding:0 30px;
  border-radius:999px;
  background:linear-gradient(180deg,#efc96f,#c48636);
  color:#111;
  font:800 1.05rem/1 Manrope,sans-serif;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  box-shadow:0 18px 36px rgba(0,0,0,.22);
}

.hero-grid{
  position:relative;
  z-index:3;
  display:grid;
  grid-template-columns:minmax(0,54%) minmax(360px,46%);
  gap:16px;
  align-items:end;
  min-height:980px;
  padding:56px 42px 104px;
}

.hero-content{
  padding:18px 12px 0;
  max-width:900px;
}

.eyebrow{
  margin:0 0 20px;
  color:#f1dfb8;
  text-transform:uppercase;
  letter-spacing:.24em;
  font-size:.92rem;
  font-weight:800;
}

.hero h1{
  margin:0;
  font-family:Cinzel,serif;
  font-weight:800;
  line-height:.92;
  letter-spacing:.02em;
  font-size:clamp(4.6rem,7vw,7.8rem);
  color:#f2d7a3;
  max-width:780px;
  text-shadow:0 8px 30px rgba(0,0,0,.38);
}

.hero-copy{
  max-width:680px;
  margin:30px 0 0;
  font-size:1.16rem;
  line-height:1.9;
  color:#f3e7d3;
}

.hero-cards{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
  max-width:1160px;
  margin-top:48px;
}

.glass-card{
  min-height:262px;
  padding:20px 22px 24px;
  border-radius:18px;
  border:1px solid rgba(243,211,154,.22);
  background:linear-gradient(180deg, rgba(255,255,255,.11), rgba(255,255,255,.03));
  backdrop-filter:blur(16px);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.03), 0 22px 40px rgba(0,0,0,.18);
  display:flex;
  flex-direction:column;
  transition:transform .25s ease,border-color .25s ease,background-color .25s ease;
}

.glass-card:hover{
  transform:translateY(-5px);
  border-color:rgba(243,211,154,.42);
  background:linear-gradient(180deg, rgba(255,255,255,.16), rgba(255,255,255,.05));
}

.card-mark{
  position:relative;
  width:96px;
  height:58px;
  margin:2px 0 22px;
}

.card-mark::after{
  content:"";
  position:absolute;
  left:0;
  right:12px;
  bottom:6px;
  height:1px;
  background:linear-gradient(90deg, rgba(243,211,154,.98), rgba(243,211,154,.08));
}

.card-mark span{
  position:absolute;
  bottom:12px;
  width:8px;
  border-radius:999px;
  background:linear-gradient(180deg,#efcf91,#b7752d);
  transform:skewX(-18deg);
  box-shadow:0 10px 18px rgba(0,0,0,.18);
}

.card-mark span:nth-child(1){left:12px}
.card-mark span:nth-child(2){left:34px}
.card-mark span:nth-child(3){left:56px}

.card-mark-compare span:nth-child(1){height:28px}
.card-mark-compare span:nth-child(2){height:40px;opacity:.95}
.card-mark-compare span:nth-child(3){height:52px;opacity:.46}

.card-mark-strategy span:nth-child(1){height:20px;opacity:.42}
.card-mark-strategy span:nth-child(2){height:34px;opacity:.78}
.card-mark-strategy span:nth-child(3){height:48px}

.card-mark-quote span:nth-child(1){height:20px;opacity:.44}
.card-mark-quote span:nth-child(2){height:34px;opacity:.78}
.card-mark-quote span:nth-child(3){height:50px}

.glass-card h3{
  margin:0 0 14px;
  font:700 1.68rem/1.05 Cinzel,serif;
  letter-spacing:.02em;
  color:#fff7ea;
}

.glass-card p{
  margin:0;
  font-size:1rem;
  line-height:1.72;
  color:#f4dfba;
}

.card-link{
  margin-top:auto;
  padding-top:18px;
  color:var(--gold-soft);
  font-weight:700;
  letter-spacing:.04em;
  text-transform:uppercase;
  font-size:.82rem;
}

.hero-actions{
  display:flex;
  gap:16px;
  align-items:center;
  flex-wrap:wrap;
  margin-top:26px;
}

.btn{
  min-height:58px;
  padding:0 26px;
  border-radius:8px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  font:700 1.02rem/1 Manrope,sans-serif;
  transition:transform .2s ease,filter .2s ease,background-color .2s ease,border-color .2s ease;
}

.btn:hover{
  transform:translateY(-1px);
  filter:brightness(1.04);
}

.btn:disabled{
  cursor:wait;
  opacity:.78;
  transform:none;
  filter:none;
}

.btn-primary{
  background:linear-gradient(180deg,#efc96f,#c48636);
  color:#111;
}

.btn-secondary{
  background:rgba(14,11,10,.4);
  color:#fff6e6;
  border:1px solid rgba(215,168,71,.38);
}

.hero-portrait{
  position:relative;
  display:flex;
  align-items:flex-start;
  justify-content:flex-end;
  align-self:start;
  justify-self:end;
  height:100%;
  width:100%;
  max-width:680px;
  padding:18px 0 32px;
}

.hero-portrait::after{
  content:"";
  position:absolute;
  inset:auto 6% 0 18%;
  height:40%;
  background:radial-gradient(circle at 50% 0%, rgba(201,154,63,.32), transparent 72%);
  filter:blur(26px);
}

.portrait-frame{
  position:relative;
  width:100%;
  max-width:600px;
  margin-left:auto;
  padding:18px 18px 0;
  border-radius:34px 34px 0 0;
  background:linear-gradient(180deg, rgba(255,255,255,.08), rgba(255,255,255,.02));
  border:1px solid rgba(243,211,154,.16);
  box-shadow:0 28px 80px rgba(0,0,0,.28);
}

.hero-portrait img{
  position:relative;
  z-index:2;
  width:100%;
  height:auto;
  display:block;
  filter:drop-shadow(0 28px 60px rgba(0,0,0,.45));
}

.contact-bar{
  position:absolute;
  left:0;
  right:0;
  bottom:0;
  z-index:4;
  display:flex;
  justify-content:center;
  align-items:center;
  gap:20px;
  flex-wrap:wrap;
  padding:18px 26px 22px;
  font-weight:700;
  font-size:1.15rem;
  background:linear-gradient(180deg, rgba(8,8,10,0) 0%, rgba(8,8,10,.56) 100%);
  border-top:1px solid rgba(255,255,255,.05);
}

.contact-item{
  padding:12px 18px;
  border-radius:999px;
  background:rgba(255,255,255,.06);
  border:1px solid rgba(243,211,154,.14);
  transition:background-color .2s ease,border-color .2s ease;
}

.contact-item:hover{
  background:rgba(255,255,255,.10);
  border-color:rgba(243,211,154,.28);
}

.contact-bar .divider{
  width:1px;
  height:24px;
  background:rgba(215,168,71,.35);
}

.content{padding-top:22px}

.section{
  background:linear-gradient(180deg, rgba(16,11,10,.82), rgba(11,9,9,.92));
  border:1px solid var(--border);
  border-radius:28px;
  padding:42px 34px 46px;
  margin-top:18px;
  box-shadow:0 22px 60px rgba(0,0,0,.22);
}

.partner-section{
  background:linear-gradient(180deg, rgba(251,247,240,.98), rgba(243,236,225,.98));
  color:#24170f;
}

.partner-section .section-label{
  color:#a56a2b;
}

.partner-section h2{
  color:#1f140e;
  text-shadow:none;
}

.marquee-container{
  width:100%;
  overflow:hidden;
  position:relative;
  margin-top:24px;
  padding:18px 0;
  background:#ffffff;
  border-radius:22px;
  border:1px solid rgba(105,72,42,.10);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.35);
}

.marquee-container::before,
.marquee-container::after{
  content:"";
  position:absolute;
  top:0;
  bottom:0;
  width:88px;
  z-index:2;
  pointer-events:none;
}

.marquee-container::before{
  left:0;
  background:linear-gradient(90deg, #ffffff 0%, rgba(255,255,255,0) 100%);
}

.marquee-container::after{
  right:0;
  background:linear-gradient(270deg, #ffffff 0%, rgba(255,255,255,0) 100%);
}

.marquee-track{
  display:flex;
  align-items:center;
  gap:44px;
  width:max-content;
  animation:partner-marquee 34s linear infinite;
  will-change:transform;
}

.carrier-logo{
  display:block;
  width:auto;
  max-width:none;
  height:56px;
  object-fit:contain;
  flex:0 0 auto;
  filter:grayscale(0);
  transform-origin:center center;
}

.carrier-ethos{
  transform:scale(2.34);
  margin-inline:30px;
}

.carrier-prosperity-life-group{
  transform:scale(1.38);
  margin-inline:14px;
  position:relative;
  top:3px;
}

.carrier-american-amicable{
  transform:scale(2.34);
  margin-inline:20px;
}

.carrier-transamerica{
  transform:scale(2.42);
  margin-inline:24px;
}

.carrier-mutual-of-omaha{
  transform:scale(1.72);
  margin-inline:14px;
}

.carrier-aig{
  transform:scale(1.28);
  margin-inline:8px;
}

@keyframes partner-marquee{
  from{transform:translateX(0)}
  to{transform:translateX(calc(-50% - 22px))}
}

.section-label{
  margin:0;
  color:var(--gold-soft);
  text-transform:uppercase;
  letter-spacing:.16em;
  font-weight:700;
  font-size:.9rem;
}

.section h2{
  margin:12px 0 0;
  font:800 2.45rem/1.06 Cinzel,serif;
  letter-spacing:.01em;
  text-transform:uppercase;
}

.section-lead{
  max-width:980px;
  margin:14px 0 0;
  font-size:1.08rem;
  line-height:1.7;
  color:#f2dfbf;
}

.feature-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:16px;
  margin-top:22px;
}

.feature{
  padding:20px 20px 22px;
  border-radius:18px;
  background:var(--panel);
  border:1px solid rgba(215,168,71,.24);
}

.feature h3,
.process-item h3{
  margin:0 0 8px;
  font:700 1.28rem/1.15 Cinzel,serif;
}

.feature p,
.process-item p{
  margin:0;
  line-height:1.65;
  color:#f2dfbf;
}

.process-list{
  display:grid;
  gap:14px;
  margin-top:22px;
}

.process-item{
  display:grid;
  grid-template-columns:52px 1fr;
  gap:16px;
  align-items:start;
  padding:18px 18px 20px;
  border-radius:18px;
  background:var(--panel);
  border:1px solid rgba(215,168,71,.24);
}

.process-item span{
  width:52px;
  height:52px;
  border-radius:999px;
  display:grid;
  place-items:center;
  background:rgba(215,168,71,.18);
  border:1px solid rgba(215,168,71,.28);
  font-weight:800;
  color:var(--gold-soft);
}

.lookup-row{
  display:grid;
  grid-template-columns:1fr auto;
  gap:14px;
  max-width:820px;
  margin-top:24px;
}

select{
  width:100%;
  min-height:58px;
  padding:0 16px;
  border-radius:10px;
  border:1px solid rgba(215,168,71,.3);
  background:rgba(14,11,10,.34);
  color:#fff;
  font-size:1rem;
}

input,
textarea{
  width:100%;
  min-height:58px;
  padding:0 16px;
  border-radius:10px;
  border:1px solid rgba(215,168,71,.3);
  background:rgba(14,11,10,.34);
  color:#fff;
  font-size:1rem;
  font-family:Manrope,sans-serif;
}

textarea{
  min-height:150px;
  padding:14px 16px;
  resize:vertical;
}

input::placeholder,
textarea::placeholder{
  color:rgba(255,244,225,.58);
}

input:focus,
select:focus,
textarea:focus{
  outline:none;
  border-color:rgba(243,211,154,.58);
  box-shadow:0 0 0 3px rgba(215,168,71,.14);
}

.license-links{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin-top:20px;
}

.license-chip{
  min-height:46px;
  padding:0 16px;
  border-radius:999px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  background:rgba(255,255,255,.05);
  border:1px solid rgba(243,211,154,.16);
  transition:background-color .2s ease,border-color .2s ease,transform .2s ease;
}

.license-chip:hover{
  background:rgba(255,255,255,.08);
  border-color:rgba(243,211,154,.34);
  transform:translateY(-1px);
}

.quote-shell{
  display:grid;
  grid-template-columns:minmax(0,1.2fr) minmax(280px,.8fr);
  gap:18px;
  margin-top:28px;
  align-items:start;
}

.quote-form{
  padding:24px;
  border-radius:22px;
  background:var(--panel-strong);
  border:1px solid rgba(243,211,154,.16);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.02);
}

.form-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
}

.form-field{
  display:flex;
  flex-direction:column;
  gap:8px;
}

.form-field label{
  color:var(--gold-soft);
  font-size:.86rem;
  font-weight:700;
  letter-spacing:.08em;
  text-transform:uppercase;
}

.field-span-full{
  grid-column:1 / -1;
}

.quote-submit{
  display:flex;
  align-items:center;
  gap:16px;
  flex-wrap:wrap;
  margin-top:18px;
}

.form-note{
  margin:0;
  color:#e8d4b1;
  line-height:1.6;
}

.form-status{
  flex:1 1 100%;
  min-height:1.5em;
  margin:2px 0 0;
  font-weight:700;
  line-height:1.5;
}

.form-status[data-state="loading"]{
  color:var(--gold-soft);
}

.form-status[data-state="success"]{
  color:#d8efc0;
}

.form-status[data-state="error"]{
  color:#ffb9a8;
}

.quote-side{
  display:grid;
  gap:16px;
}

.quote-panel{
  display:flex;
  flex-direction:column;
  gap:8px;
  padding:20px 22px;
  border-radius:18px;
  background:var(--panel-strong);
  border:1px solid rgba(243,211,154,.16);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.02);
}

.quote-panel h3{
  margin:0;
  font:700 1.26rem/1.18 Cinzel,serif;
  color:#fff7ea;
}

.quote-panel p{
  margin:0;
  line-height:1.68;
  color:#f2dfbf;
}

.quote-panel-link{
  transition:transform .2s ease,border-color .2s ease,background-color .2s ease;
}

.quote-panel-link:hover{
  transform:translateY(-2px);
  border-color:rgba(243,211,154,.32);
  background:rgba(24,16,13,.9);
}

.hidden-field{
  position:absolute;
  left:-9999px;
  width:1px;
  height:1px;
  min-height:1px;
  padding:0;
  border:0;
  opacity:0;
  pointer-events:none;
}

.contact-kicker{
  color:var(--gold-soft);
  text-transform:uppercase;
  letter-spacing:.14em;
  font-size:.78rem;
  font-weight:800;
}

.contact-actions{
  display:flex;
  gap:16px;
  flex-wrap:wrap;
  margin-top:24px;
}

@media (max-width: 1400px){
  .hero{min-height:1040px}
  .hero-grid{grid-template-columns:1fr;align-items:start}
  .hero-portrait{justify-content:center;margin-top:18px;max-width:none;padding:0}
  .portrait-frame{max-width:560px;padding:18px 18px 0}
  .site-nav{gap:18px}
}

@media (max-width: 1100px){
  .hero{min-height:auto}
  .site-header{grid-template-columns:1fr;justify-items:start}
  .brand{max-width:min(100%,300px)}
  .site-nav{justify-content:flex-start;gap:12px}
  .hero-grid{padding:30px 22px 120px}
  .hero-cards,
  .feature-grid,
  .lookup-row,
  .form-grid,
  .quote-shell{grid-template-columns:1fr}
}

@media (max-width: 760px){
  .page-shell{padding:10px 10px 24px}
  .hero{
    min-height:auto;
    border-radius:24px;
  }
  .hero-bg{
    transform:none;
    background-position:66% center;
  }
  .hero-overlay{
    background:linear-gradient(180deg, rgba(18,11,9,.95) 0%, rgba(18,11,9,.78) 24%, rgba(18,11,9,.52) 48%, rgba(18,11,9,.76) 100%);
  }
  .site-header{
    padding:14px 16px 16px;
    gap:14px;
  }
  .brand{
    gap:11px;
  }
  .brand-crest{
    width:58px;
  }
  .brand-title{
    font-size:1.04rem;
    letter-spacing:.07em;
  }
  .brand-subtitle{
    font-size:.62rem;
    letter-spacing:.24em;
  }
  .site-nav{
    width:100%;
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:10px;
  }
  .nav-link{
    min-height:48px;
    padding:12px 10px;
    display:flex;
    align-items:center;
    justify-content:center;
    text-align:center;
    font-size:.96rem;
  }
  .call-pill{
    width:100%;
    min-height:54px;
    padding:0 20px;
    font-size:1rem;
  }
  .hero-grid{
    display:flex;
    flex-direction:column;
    gap:20px;
    min-height:auto;
    padding:24px 18px 34px;
  }
  .hero-content{
    padding:0;
    max-width:none;
    display:contents;
  }
  .eyebrow{
    order:1;
    margin:0 0 14px;
    font-size:.72rem;
    letter-spacing:.18em;
  }
  .hero h1{
    order:2;
    max-width:5ch;
    font-size:clamp(3rem,15vw,4.4rem);
    line-height:.94;
  }
  .hero-copy{
    order:3;
    max-width:none;
    margin:18px 0 0;
    font-size:1rem;
    line-height:1.65;
  }
  .hero-actions{
    order:4;
    display:grid;
    grid-template-columns:1fr;
    gap:12px;
    margin-top:22px;
  }
  .hero-actions .btn{width:100%}
  .hero-cards{
    order:6;
    gap:14px;
    max-width:none;
    margin-top:22px;
  }
  .glass-card{
    min-height:0;
    padding:18px 18px 20px;
  }
  .card-mark{
    width:78px;
    height:46px;
    margin:0 0 16px;
  }
  .card-mark::after{
    right:4px;
    bottom:4px;
  }
  .card-mark span{
    width:7px;
    bottom:10px;
  }
  .card-mark span:nth-child(1){left:8px}
  .card-mark span:nth-child(2){left:26px}
  .card-mark span:nth-child(3){left:44px}
  .card-mark-compare span:nth-child(1){height:24px}
  .card-mark-compare span:nth-child(2){height:34px}
  .card-mark-compare span:nth-child(3){height:44px}
  .card-mark-strategy span:nth-child(1){height:18px}
  .card-mark-strategy span:nth-child(2){height:28px}
  .card-mark-strategy span:nth-child(3){height:40px}
  .card-mark-quote span:nth-child(1){height:18px}
  .card-mark-quote span:nth-child(2){height:28px}
  .card-mark-quote span:nth-child(3){height:42px}
  .glass-card h3{
    margin:0 0 10px;
    font-size:1.46rem;
    line-height:1.02;
  }
  .glass-card p{
    font-size:.98rem;
    line-height:1.62;
  }
  .card-link{
    padding-top:14px;
    font-size:.76rem;
  }
  .hero-portrait{
    order:5;
    width:min(100%,320px);
    max-width:320px;
    margin:0 auto;
    padding:0;
    justify-content:center;
    align-self:center;
    justify-self:center;
  }
  .hero-portrait::after{
    inset:auto 16% 4% 16%;
    height:34%;
    filter:blur(18px);
  }
  .portrait-frame{
    max-width:100%;
    padding:12px 12px 0;
    border-radius:24px 24px 0 0;
  }
  .hero-portrait img{
    filter:drop-shadow(0 18px 32px rgba(0,0,0,.35));
  }
  .contact-bar{display:none}
  .content{padding-top:12px}
  .section{
    padding:28px 18px 30px;
    margin-top:14px;
    border-radius:22px;
  }
  .section h2{
    font-size:clamp(2rem,10vw,2.7rem);
    line-height:1.08;
  }
  .section-lead{
    margin-top:12px;
    font-size:1rem;
    line-height:1.64;
  }
  .feature{
    padding:18px 16px 20px;
  }
  .feature h3,
  .process-item h3,
  .quote-panel h3{
    font-size:1.14rem;
  }
  .process-item{
    grid-template-columns:44px 1fr;
    gap:12px;
    padding:16px 16px 18px;
  }
  .process-item span{
    width:44px;
    height:44px;
    font-size:.95rem;
  }
  .partner-section{
    padding:24px 16px 26px;
  }
  .marquee-container{
    margin-top:18px;
    padding:16px 12px;
    border-radius:18px;
    overflow:visible;
  }
  .marquee-container::before,
  .marquee-container::after{display:none}
  .marquee-track{
    width:100%;
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    justify-items:center;
    align-items:center;
    gap:18px 14px;
    animation:none;
  }
  .carrier-logo{
    height:36px;
    max-width:100%;
    transform:none !important;
    margin-inline:0 !important;
    position:static !important;
    top:auto !important;
  }
  .lookup-row{
    gap:12px;
    max-width:none;
    margin-top:18px;
  }
  input,
  select,
  textarea{
    font-size:16px;
    min-height:54px;
  }
  textarea{min-height:132px}
  .license-links{
    gap:10px;
    margin-top:18px;
  }
  .license-chip{
    min-height:42px;
    padding:0 14px;
    font-size:.94rem;
  }
  .quote-form{
    padding:18px 16px 20px;
    border-radius:18px;
  }
  .form-grid{gap:12px}
  .form-field label{font-size:.78rem}
  .quote-submit{
    align-items:stretch;
    gap:12px;
  }
  .quote-submit .btn{width:100%}
  .form-note{font-size:.94rem}
  .quote-side{gap:12px}
  .quote-panel{
    padding:16px 16px 18px;
    border-radius:16px;
  }
}

@media (max-width: 420px){
  .site-header{padding:12px 14px 14px}
  .brand-crest{width:54px}
  .brand-title{font-size:.94rem}
  .brand-subtitle{
    font-size:.58rem;
    letter-spacing:.22em;
  }
  .hero-grid{padding:22px 16px 30px}
  .hero h1{font-size:clamp(2.7rem,14vw,3.7rem)}
  .section{padding:24px 16px 26px}
  .nav-link{font-size:.92rem}
}

@media (prefers-reduced-motion: reduce){
  .marquee-track{animation:none}
}