:root{--navy:#092C52;--navy-dark:#061B34;--gold:#CC972A;--gold-light:#E9C978;--cream:#FAF7F0;--ink:#1E2530;--muted:#586579;--line:#E7E8EA;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:105px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}a{color:inherit;text-decoration:none}button{font:inherit;cursor:pointer}button,a{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible{outline:3px solid var(--gold);outline-offset:4px}img{max-width:100%}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;line-height:1.13;color:var(--navy);letter-spacing:-.025em}.container{width:min(1240px,calc(100% - 56px));margin:0 auto}
/* Moving promise banner */
.ticker{background:var(--gold);color:var(--navy-dark);overflow:hidden;white-space:nowrap;border-bottom:2px solid #B67A19}.ticker-track{display:flex;width:max-content;animation:scroll 36s linear infinite}.ticker-track span{padding:7px 28px;font-size:12px;letter-spacing:.10em;font-weight:800}.ticker:hover .ticker-track{animation-play-state:paused}@keyframes scroll{to{transform:translateX(-50%)}}
/* Header and navigation */
.site-header{background:#fff;border-bottom:1px solid #e8e8eb}.tophead{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:14px 0}.logo{width:min(410px,40vw);height:auto;display:block}.header-facts{display:flex;gap:22px;align-items:center}.fact{display:flex;align-items:center;gap:11px;font-size:12px;color:#37475a;line-height:1.45}.fact strong{display:block;color:var(--navy);font-size:12px;white-space:nowrap}.circle-icon{width:36px;height:36px;border:1px solid var(--gold);border-radius:50%;color:var(--gold);display:grid;place-items:center;font-size:19px;flex:none}.nav-border{border-top:1px solid var(--line)}.navline{display:flex;align-items:center;justify-content:space-between;gap:15px;min-height:56px}.nav-list{display:flex;align-items:center;gap:28px;font-size:13px;font-weight:700;color:var(--navy)}.nav-list a{padding:17px 4px;border-bottom:3px solid transparent}.nav-list a:hover,.nav-list a.active{border-bottom-color:var(--gold)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;background:var(--gold);border:2px solid var(--gold);border-radius:6px;color:#fff!important;font-weight:800;font-size:13px;padding:14px 26px;text-align:center;letter-spacing:.035em;transition:background .2s,transform .2s}.btn:hover{background:#AD7719;border-color:#AD7719;transform:translateY(-1px)}.btn-outline{background:#fff;color:var(--navy)!important;border:1px solid #D8C292}.btn-outline:hover{background:var(--cream);border-color:var(--gold)}.menu-toggle{display:none;border:0;background:#fff;color:var(--navy);font-size:23px;padding:8px 10px}
/* Hero */
.hero{background:linear-gradient(90deg,#fff 0%,#fff 34%,#FDF9F1 70%,#fff 100%)}.hero-layout{min-height:465px;display:grid;grid-template-columns:1.04fr 1.05fr .64fr;align-items:stretch}.hero-intro{display:flex;flex-direction:column;align-items:flex-start;justify-content:center;padding:54px 25px 58px 0;position:relative;z-index:1}.eyebrow{display:block;color:var(--navy);font-size:11px;font-weight:900;letter-spacing:.2em;text-transform:uppercase}.eyebrow:before{content:'';display:inline-block;width:34px;height:2px;background:var(--gold);vertical-align:middle;margin-right:12px}.hero h1{font-size:clamp(43px,4.1vw,64px);margin:14px 0 22px;line-height:1.03}.hero-intro p{font-size:15px;line-height:1.7;color:#3e4d60;max-width:465px;margin:0}.hero-actions{display:flex;align-items:center;gap:19px;flex-wrap:wrap;margin-top:26px}.text-action{color:var(--navy);font-size:12px;font-weight:900;border-bottom:2px solid var(--gold);padding:9px 0}.hero-family{position:relative;min-height:450px;overflow:hidden;background:#eee}.hero-family img{width:100%;height:100%;object-fit:cover;object-position:50% 50%;display:block}.hero-family:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.22),transparent 20%,rgba(0,0,0,.22) 100%)}.hero-family .photo-caption{position:absolute;right:20px;bottom:34px;color:#fff;text-shadow:0 2px 12px #000a;font:italic 22px Georgia,serif;z-index:1;text-align:right}.agent-panel{background:var(--navy-dark);color:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:25px 18px;position:relative;overflow:hidden}.agent-panel:before{content:'';position:absolute;left:0;top:0;height:100%;width:3px;background:var(--gold)}.agent-portrait{width:156px;height:185px;object-fit:cover;object-position:center 18%;border-radius:16px 16px 3px 3px;border:3px solid #e4bf68;box-shadow:0 13px 27px #0005}.agent-panel h2{font-size:25px;color:#fff;margin:17px 0 2px}.agent-panel .role{font-size:10px;letter-spacing:.12em;color:#F4D68C;text-transform:uppercase}.agent-panel .gold-line{width:110px;height:2px;background:var(--gold);margin:16px 0}.agent-panel p{font:italic 14px/1.6 Georgia,serif;color:#fff;margin:0;max-width:240px}
/* Services */
.section{padding:78px 0}.section-header{text-align:center;max-width:820px;margin:0 auto 28px}.section-header h2{font-size:clamp(30px,3.3vw,44px);margin:9px 0}.section-header p{color:var(--muted);margin:0}.service-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}.service-card{border:1px solid var(--line);background:#fff;border-radius:10px;overflow:hidden;box-shadow:0 4px 18px rgba(9,44,82,.055);display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}.service-card:hover{transform:translateY(-4px);box-shadow:0 15px 32px rgba(9,44,82,.13)}.service-media{height:138px;position:relative;margin:10px 10px 0}.service-media img{height:100%;width:100%;object-fit:cover;border-radius:5px}.service-medallion{position:absolute;bottom:-13px;right:-4px;display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--navy);border:3px solid white;color:#fff;font-size:24px;font-weight:bold}.service-card-body{padding:22px 14px 17px;display:flex;flex-direction:column;flex:1}.service-card h3{font-size:18px;margin:0 0 8px}.service-card p{font-size:13px;line-height:1.5;margin:0 0 18px;color:var(--muted);flex:1}.learn-link{align-self:flex-start;color:var(--navy);font-weight:900;font-size:11px;padding-bottom:3px;border-bottom:2px solid var(--gold)}.learn-link span{color:var(--gold);margin-left:10px}
/* Quick contact strip */
.quick-contact{border-top:1px solid #ededf0;border-bottom:1px solid #ededf0;background:#fff;padding:24px 0}.quick-row{display:grid;grid-template-columns:1.08fr 1.45fr 1.12fr 1.3fr;gap:0}.quick-item{display:flex;align-items:flex-start;gap:15px;padding:10px 20px;border-right:1px solid var(--gold-light)}.quick-item:first-child{padding-left:0}.quick-item:last-child{border:0;padding-right:0}.quick-icon{display:grid;place-items:center;width:52px;height:52px;flex:none;background:var(--gold);color:#fff;border-radius:50%;font-size:22px}.quick-content .mini{font-size:11px;letter-spacing:.13em;color:var(--navy);font-weight:900}.quick-content strong{display:block;color:var(--navy);font:700 18px/1.25 Georgia,serif;margin:4px 0 5px}.quick-content p{font-size:12px;line-height:1.4;color:var(--muted);margin:0}.qr-image{width:83px;height:83px;background:#fff;border:1px solid #ddd;padding:3px}.quick-qr{display:flex;gap:12px}.quick-content a:hover{text-decoration:underline}
/* Insurance detail sections */
.coverage-zone{background:#F8FAFC}.coverage-zone .section-header{margin-bottom:37px}.coverage-stack{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.coverage-panel{scroll-margin-top:120px;background:#fff;border:1px solid #e5eaf0;border-radius:14px;padding:26px;box-shadow:0 8px 20px rgba(6,35,67,.04)}.coverage-panel h3{font-size:27px;margin:12px 0 9px}.coverage-panel p{font-size:14px;color:var(--muted)}.coverage-head{display:flex;justify-content:space-between;gap:15px;align-items:flex-start}.coverage-quote{display:block;flex:none;white-space:nowrap;color:var(--navy);border-bottom:2px solid var(--gold);font-size:12px;font-weight:800;margin-top:14px}.coverage-benefits{margin:18px 0;padding-left:21px;font-size:14px;color:#34445a}.coverage-benefits li{margin-bottom:8px}.coverage-footnote{background:#FDF9F1;border-left:3px solid var(--gold);padding:10px 13px;font-size:12px!important}.return-link{color:var(--navy);font-weight:800;font-size:12px}.return-link:hover{color:#B47813}
/* About and location */
.about-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center}.storefront{position:relative;border-radius:18px;overflow:hidden;border:7px solid #fff;box-shadow:0 20px 45px #092c5218}.storefront img{width:100%;display:block}.about h2{font-size:clamp(32px,3vw,45px);margin:15px 0}.about p{color:var(--muted)}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:20px 0 26px}.check-grid span{color:var(--navy);font-weight:700;font-size:13px}.check-grid span:before{content:'✓';color:var(--gold);font-weight:900;margin-right:9px}
.bottom-cta{background:linear-gradient(110deg,#08284b,#071a31);padding:43px 0;color:#fff}.bottom-cta .container{display:flex;align-items:center;justify-content:space-between;gap:28px}.bottom-cta h2{color:#fff;font-size:32px;margin:0 0 6px}.bottom-cta p{margin:0;color:#d9e2ef;font-size:14px}
.footer{background:#061728;color:#fff;padding:34px 0 21px}.footer-main{display:flex;justify-content:space-between;gap:30px}.footer strong{font-size:17px}.footer p{color:#bac8d7;font-size:12px;line-height:1.7}.footer nav{display:flex;gap:18px;flex-wrap:wrap;font-size:13px;color:#ebf0f5}.footer .legal{border-top:1px solid #ffffff27;margin-top:25px;padding-top:16px;font-size:11px;color:#aebcca}.contact-vcf{display:inline-block;color:var(--gold-light);font-size:12px;text-decoration:underline;margin-top:5px}.mobile-call{display:none}
@media(max-width:1200px){.header-facts{gap:13px}.fact:nth-child(3){display:none}.hero-layout{grid-template-columns:.93fr 1.08fr .69fr}.service-grid{gap:10px}.service-card h3{font-size:16px}.hero h1{font-size:47px}}
@media(max-width:980px){.container{width:min(100% - 36px,900px)}.fact:nth-child(2){display:none}.header-facts{gap:5px}.hero-layout{grid-template-columns:1fr 1fr;min-height:initial}.hero-intro{grid-column:1 / -1;padding:44px 0}.hero h1{font-size:47px;max-width:650px}.hero-family{min-height:340px}.agent-panel{min-height:340px}.service-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.quick-row{grid-template-columns:repeat(2,1fr)}.quick-item{border-right:0;border-bottom:1px solid #e8dfcc}.quick-item:nth-child(odd){padding-left:0}.quick-item:nth-child(even){padding-right:0}.quick-item:nth-child(n+3){border-bottom:0}.about-wrap{gap:30px}}
@media(max-width:640px){.container{width:calc(100% - 32px)}html{scroll-padding-top:75px}.tophead{padding:11px 0;gap:12px}.logo{width:min(250px,60vw)}.fact .circle-icon{display:none}.fact{font-size:11px}.fact strong{font-size:11px}.navline{min-height:52px}.menu-toggle{display:block}.nav-list{display:none;position:absolute;z-index:22;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;background:#fff;padding:8px 16px 14px;gap:0;box-shadow:0 15px 20px #091a2d22}.nav-list.open{display:flex}.navline{position:relative}.nav-list a{padding:10px 3px}.navline>.btn{margin-left:auto;padding:10px 13px;font-size:11px}.hero-layout{grid-template-columns:1fr}.hero-intro{padding:35px 0 30px}.hero h1{font-size:43px}.hero-intro p{font-size:14px}.hero-family{min-height:270px}.hero-family img{object-position:center 45%}.agent-panel{min-height:initial;padding:24px 16px;flex-direction:row;text-align:left;align-items:center;gap:20px;flex-wrap:wrap}.agent-portrait{width:95px;height:118px;flex:none}.agent-panel h2{font-size:24px;margin:0}.agent-panel .gold-line{display:none}.agent-panel .role{display:block}.agent-panel p{width:100%;max-width:none}.section{padding:53px 0}.section-header h2{font-size:32px}.service-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.service-media{height:95px;margin:7px 7px 0}.service-medallion{width:37px;height:37px;font-size:18px}.service-card-body{padding:18px 11px 14px}.service-card h3{font-size:17px}.service-card p{font-size:12px}.quick-row{grid-template-columns:1fr}.quick-item,.quick-item:nth-child(even),.quick-item:nth-child(odd),.quick-item:nth-child(n+3){border:0;border-bottom:1px solid #e8dfcc;padding:16px 0}.quick-item:last-child{border:0}.coverage-stack{grid-template-columns:1fr}.coverage-head{flex-direction:column;gap:5px}.coverage-quote{margin:0}.about-wrap{grid-template-columns:1fr;gap:25px}.check-grid{grid-template-columns:1fr 1fr}.bottom-cta .container{flex-direction:column;align-items:flex-start}.footer-main{flex-direction:column}.footer nav{gap:12px}.mobile-call{display:block;position:fixed;bottom:0;left:0;right:0;z-index:80;background:var(--gold);box-shadow:0 -5px 22px #0003;padding:12px 14px max(12px,env(safe-area-inset-bottom));text-align:center;color:var(--navy-dark);font-weight:900}.footer{padding-bottom:85px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;animation-duration:.01ms!important;transition:none!important}.ticker-track{animation:none}.ticker-track span+span{display:none}}

/* Refined header and wider Crownstone logo */
.logo{width:min(550px,45vw);max-height:125px;object-fit:contain;object-position:left center}
.ticker-track span{font-weight:400;letter-spacing:.075em}
.nav-list{font-weight:400}
.fact strong{font-weight:500}
.quick-content strong a{text-decoration:underline;text-decoration-color:transparent;text-underline-offset:3px}
.quick-content strong a:hover{color:#B47915;text-decoration-color:currentColor}
/* Quote preview form */
.quote-zone{background:#FBFAF6;scroll-margin-top:90px;border-top:1px solid #eee5d3}
.quote-layout{display:grid;grid-template-columns:.82fr 1.18fr;gap:60px;align-items:start}
.quote-intro h2{font-size:clamp(32px,3.5vw,46px);margin:12px 0 18px}
.quote-intro p{font-size:15px;color:#526077}
.test-status{margin-top:26px;border-left:4px solid var(--gold);padding:15px 18px;background:#fff;font-size:13px;max-width:430px}
.quote-form{background:#fff;border:1px solid #eae2d4;border-radius:14px;box-shadow:0 14px 35px #092c5212;padding:28px;display:grid;gap:22px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}
.quote-form label{display:grid;gap:7px;font-weight:600;font-size:13px;color:var(--navy)}
.quote-form input:not([type=checkbox]):not([type=radio]),.quote-form select{width:100%;min-width:0;padding:13px 12px;border:1px solid #cbd2d9;border-radius:6px;font:400 15px Arial,sans-serif;background:#fff;color:#122b46}
.quote-form input:focus,.quote-form select:focus{outline:2px solid var(--gold);outline-offset:1px}
.quote-form fieldset{border:1px solid #dce1e7;border-radius:8px;padding:13px 15px}
.quote-form legend{font-weight:600;font-size:13px;color:var(--navy);padding:0 4px}
.contact-options{display:flex;flex-wrap:wrap;gap:22px}
.contact-options label{display:flex;flex-direction:row;align-items:center;gap:7px;font-weight:400;font-size:14px}
.quote-form .form-consent{display:flex;flex-direction:row;gap:10px;align-items:start;color:#526077;line-height:1.5;font-weight:400}
.quote-form button{justify-self:start}
.optional{font-size:11px;color:#7d8994;font-weight:400}
#quoteDemoStatus{padding:13px 15px;background:#f4f8fa;border:1px solid #d8e3e6;border-radius:8px;font-size:13px}
@media(max-width:980px){.logo{width:min(430px,48vw)}.quote-layout{grid-template-columns:1fr;gap:25px}}
@media(max-width:680px){.logo{width:min(90vw,430px);max-height:none}.form-grid{grid-template-columns:1fr}.quote-form{padding:22px 17px}.quote-zone{padding:55px 0}.quote-form button{width:100%}.test-status{max-width:100%}}

/* Crownstone 2.0: extended desktop banner, comfortable header proportions */
.container{width:min(1480px,calc(100% - 72px))}
.ticker-track span{padding:13px 45px;font-size:12px;font-weight:400;letter-spacing:.13em}
.tophead{gap:36px;padding:22px 0}
.logo{width:min(525px,39vw);height:auto;max-height:138px;object-fit:contain}
.nav-list{font-weight:500;gap:29px}
.hero{overflow:hidden;background:#fff}
.hero-layout{min-height:540px;grid-template-columns:1.03fr 1.12fr .7fr}
.hero-intro{padding:55px 37px 57px 0}
.hero h1{font-size:clamp(49px,4.25vw,76px)}
.hero-family{min-height:540px}
.hero-family img{object-position:55% center}
.agent-panel{padding:30px 23px}
.agent-portrait{width:165px;height:195px}
.coverage-promo{background:#faf7f0;border-block:1px solid #eee1c8}
.coverage-promo-wrap{display:flex;align-items:center;justify-content:space-between;gap:45px}
.coverage-promo-wrap>div{max-width:670px}
.coverage-promo h2{font-size:clamp(30px,3vw,42px);margin:14px 0}
.coverage-promo p{color:var(--muted);margin:0}
/* Dedicated insurance pages */
.inner-hero{background:#f9fbfd;border-bottom:1px solid var(--line)}
.inner-hero-wrap{display:grid;grid-template-columns:1fr minmax(330px,.94fr);min-height:400px;align-items:stretch}
.inner-hero-copy{padding:65px 45px 65px 0;align-self:center}
.breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:9px;font-size:12px;color:#596a7d;margin-bottom:28px}
.breadcrumbs a{color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}
.inner-hero h1{font-size:clamp(43px,4vw,68px);margin:12px 0 20px}
.inner-hero p{color:#42546a;font-size:16px;max-width:560px;line-height:1.75}
.inner-hero-photo{position:relative;overflow:hidden;background:#eceff3}
.inner-hero-photo img{position:absolute;width:100%;height:100%;object-fit:cover;inset:0}
.inner-hero-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(9,44,82,.04),rgba(9,44,82,.11))}
.detail-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(300px,.55fr);gap:26px;align-items:start}
.detail-grid .coverage-panel{padding:34px 36px}
.detail-grid .coverage-panel h3{font-size:34px}
.detail-grid .coverage-head{flex-wrap:wrap}
.detail-grid .coverage-footnote{line-height:1.6}
.detail-grid .return-link{display:none}
.detail-side{border:1px solid #ecdfc4;background:#fffcf6;border-radius:15px;padding:28px}
.detail-side h3{font-size:24px;margin:10px 0 14px}
.detail-side p{color:#546579;font-size:14px;line-height:1.65}
.detail-side .btn{width:100%;margin:10px 0;font-size:12px;padding:13px 10px}
.detail-side a.mini-link{display:block;text-align:center;color:var(--navy);font-size:13px;font-weight:700;text-decoration:underline;text-underline-offset:4px}
.building-note{background:#f8fafc;padding:45px 0;border-top:1px solid #e8edf3}
.building-wrap{display:flex;justify-content:space-between;align-items:center;gap:35px}
.building-wrap h2{font-size:29px;margin:8px 0}
.building-wrap p{color:var(--muted);max-width:650px;margin:0}
.all-services-nav{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.all-services-nav a{font-size:13px;background:#fff;border:1px solid #d9e0e6;border-radius:5px;padding:10px 14px;color:var(--navy);font-weight:700}
.all-services-nav a[aria-current="page"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.service-overview{padding-top:62px}
.service-overview .service-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:21px}
.service-overview .service-media{height:210px}
.service-overview .service-card-body{padding:22px}
.service-overview .service-card h3{font-size:23px}
.service-overview .service-card p{font-size:14px}
.service-overview .learn-link{font-size:12px}
@media(max-width:1200px){.container{width:min(100% - 44px,1160px)}.logo{width:min(410px,38vw)}.hero-layout{grid-template-columns:.95fr 1.08fr .72fr}.hero h1{font-size:50px}.service-card h3{font-size:16px}.header-facts{gap:11px}}
@media(max-width:980px){.container{width:min(100% - 36px,900px)}.hero-layout{grid-template-columns:1fr 1fr;min-height:initial}.hero-intro{padding:46px 0 40px}.hero-family{min-height:360px}.inner-hero-wrap{grid-template-columns:1fr 1fr;min-height:370px}.inner-hero-copy{padding:45px 20px 45px 0}.inner-hero-photo{min-height:330px}.detail-grid{grid-template-columns:1fr}.detail-side{max-width:none}.service-overview .service-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.container{width:calc(100% - 32px)}.ticker-track span{padding:11px 30px;font-size:10px}.tophead{padding:12px 0}.logo{width:min(255px,60vw);max-height:90px}.hero-intro{padding:35px 0 30px}.hero h1{font-size:43px}.hero-family{min-height:285px}.agent-portrait{width:95px;height:118px}.coverage-promo-wrap,.building-wrap{display:block}.coverage-promo .btn{margin-top:22px}.inner-hero-wrap{display:flex;flex-direction:column}.inner-hero-copy{padding:38px 0 40px}.inner-hero h1{font-size:44px}.inner-hero-photo{height:240px;min-height:0}.detail-grid .coverage-panel{padding:24px}.detail-grid .coverage-head{display:block}.detail-grid .coverage-panel h3{font-size:27px}.service-overview .service-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:11px}.service-overview .service-media{height:105px}.service-overview .service-card-body{padding:18px 12px}.service-overview .service-card h3{font-size:18px}.all-services-nav a{font-size:12px;padding:9px}}
@media(prefers-reduced-motion:reduce){.ticker-track{animation:none!important}.service-card,.btn{transition:none!important}html{scroll-behavior:auto}}