:root{
  --lime:#9ecf36; --lime-dark:#729626; --ink:#212121; --ink-soft:#383838;
  --gray:#767e88; --fog:#efefef; --soft:#f7f7f7; --line:#e2e2e2; --white:#fff;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{font-family:'Roboto',system-ui,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.65;font-size:16px}
h1,h2,h3{line-height:1.15;font-weight:900}
img{max-width:100%;height:auto;display:block}
a{color:var(--lime-dark)}
.wrap{max-width:1140px;margin:0 auto;padding:0 1.25rem}
.eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--lime-dark);margin-bottom:.7rem}
header{position:sticky;top:0;background:var(--white);border-bottom:1px solid var(--line);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding:.65rem 1.25rem;max-width:1140px;margin:0 auto}
.brand img{height:48px;width:auto}
nav ul{display:flex;gap:1.5rem;list-style:none;align-items:center}
nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.96rem}
nav a:hover{color:var(--lime-dark)}
.call{background:var(--lime);color:var(--ink) !important;padding:.55rem 1.05rem;border-radius:4px;font-weight:700}
.call:hover{background:var(--lime-dark);color:#fff !important}
#menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:4px;padding:.45rem .65rem;font-size:1.2rem;cursor:pointer;color:var(--ink)}
@media(max-width:820px){
  #menu-btn{display:block}
  nav{position:absolute;top:100%;left:0;right:0;background:var(--white);border-bottom:1px solid var(--line);display:none}
  nav.open{display:block}
  nav ul{flex-direction:column;align-items:flex-start;padding:1rem 1.25rem;gap:1.1rem}
}
.btn{display:inline-block;text-decoration:none;font-weight:700;padding:.8rem 1.6rem;border-radius:4px;font-size:1rem}
.btn-primary{background:var(--lime);color:var(--ink)}
.btn-primary:hover{background:var(--lime-dark);color:#fff}
.btn-ghost{border:2px solid #4a4a4a;color:#fff}
.btn-ghost:hover{border-color:var(--lime)}
/* page banner for subpages */
.banner{background:var(--ink);color:#fff;padding:3.5rem 0 3rem}
.banner h1{font-size:clamp(2rem,5vw,3rem)}
.banner p{color:#cfcfcf;margin-top:.6rem;max-width:55ch;font-size:1.1rem}
.banner .eyebrow{color:var(--lime)}
.crumbs{font-size:.85rem;color:#9a9a9a;margin-bottom:1rem}
.crumbs a{color:#cfcfcf;text-decoration:none}
.crumbs a:hover{color:var(--lime)}
.section{padding:4rem 0}
.section-head{margin-bottom:2rem;max-width:62ch}
.section-head h2{font-size:clamp(1.6rem,3.5vw,2.4rem)}
.section-head p{color:var(--gray);margin-top:.5rem;font-size:1.05rem}
.prose{max-width:70ch}
.prose h2{font-size:1.6rem;margin:2rem 0 .6rem}
.prose h3{font-size:1.2rem;margin:1.6rem 0 .4rem}
.prose p{margin-bottom:1rem;color:var(--ink-soft)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1rem}
.card{border:1px solid var(--line);border-radius:8px;padding:1.6rem;text-decoration:none;color:var(--ink);background:var(--white);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(0,0,0,.08)}
.card h3{font-size:1.2rem;margin-bottom:.4rem}
.card p{font-size:.95rem;color:var(--gray)}
.card .go{display:inline-block;margin-top:1rem;font-weight:700;color:var(--lime-dark);font-size:.95rem}
.soft-bg{background:var(--soft)}
.value{background:var(--white);border-radius:8px;padding:1.5rem;border-left:5px solid var(--lime);margin-bottom:1rem}
.value h3{font-size:1.2rem;margin-bottom:.3rem}
.value p{color:var(--gray)}
.review{background:var(--white);border:1px solid var(--line);border-radius:8px;padding:1.6rem;margin-bottom:1rem}
.review p{font-style:italic;color:var(--ink-soft);margin-bottom:.8rem}
.review .who{font-weight:700;color:var(--ink);font-style:normal}
.stars{color:var(--lime);letter-spacing:.1em;margin-bottom:.6rem}
.logos{display:flex;flex-wrap:wrap;justify-content:center;gap:2.4rem;align-items:center}
.logos img{height:42px;width:auto;filter:grayscale(1);opacity:.7;transition:.2s}
.logos img:hover{filter:none;opacity:1}
.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.5rem}
.contact-item{background:var(--soft);border-radius:8px;padding:1.5rem}
.contact-item h3{font-size:1.05rem;margin-bottom:.4rem}
.contact-item a{font-weight:700;color:var(--lime-dark);text-decoration:none}
footer{background:var(--ink);color:#bdbdbd;padding:3rem 0 2rem;font-size:.95rem}
.foot-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:2rem;margin-bottom:2rem}
footer h3{color:#fff;font-size:1rem;margin-bottom:.8rem}
footer ul{list-style:none}
footer li{margin-bottom:.5rem}
footer a{color:#bdbdbd;text-decoration:none}
footer a:hover{color:var(--lime)}
.fineprint{border-top:1px solid #333;padding-top:1.3rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem}
.fineprint a{color:#bdbdbd}
a:focus-visible,button:focus-visible,input:focus-visible{outline:2px solid var(--lime);outline-offset:2px}

/* ---- homepage-specific ---- */
.hero{background:var(--ink);color:var(--white);position:relative}
.hero .wrap{padding:5rem 1.25rem 5.5rem}
.hero h1{font-size:clamp(2rem,5vw,3.4rem);max-width:18ch;margin-bottom:1.1rem}
.hero h1 em{font-style:normal;color:var(--lime)}
.hero p{max-width:46ch;color:#cfcfcf;font-size:1.1rem;margin-bottom:2rem}
.btns{display:flex;gap:.8rem;flex-wrap:wrap}
.why-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center}
.why .value{margin-bottom:0}
.values{display:grid;gap:.9rem}
@media(max-width:820px){.why-grid{grid-template-columns:1fr;gap:2rem}}
.carriers{text-align:center}
.carriers .section-head{margin:0 auto 2rem}
.claims{background:var(--ink);color:var(--white)}
.claims .section-head p{color:#bdbdbd}
.claims .eyebrow{color:var(--lime)}
#claim-search{width:100%;max-width:440px;padding:.8rem 1rem;border-radius:6px;border:1px solid #444;background:#2c2c2c;color:#fff;font-size:1rem;margin-bottom:1.6rem}
#claim-search::placeholder{color:#8a8a8a}
.claim-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:.6rem;list-style:none}
.claim-list a{display:block;background:#2c2c2c;border:1px solid #3a3a3a;border-radius:6px;padding:.8rem 1rem;color:#fff;text-decoration:none;font-weight:500;font-size:.96rem}
.claim-list a:hover{border-color:var(--lime);color:var(--lime)}
.claims .note{margin-top:1.4rem;color:#bdbdbd}
.claims .note a{color:var(--lime)}
.about-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:2rem}
.person img{border-radius:10px;aspect-ratio:4/3;object-fit:cover;margin-bottom:.9rem}
.person .role{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--lime-dark);font-weight:700}
.person h3{font-size:1.25rem}
.why li{padding-left:1.7rem;position:relative;margin-bottom:.7rem;font-weight:700;font-size:1.05rem;list-style:none}
.why li::before{content:"";position:absolute;left:0;top:.5em;width:.8em;height:.8em;background:var(--lime);border-radius:2px}
.why ul{list-style:none;margin-top:1.4rem}
.why p{color:var(--ink-soft);margin-top:.7rem}

/* carrier name grids */
.carrier-names{list-style:none;display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:.5rem;margin-top:.5rem}
.carrier-names li{background:var(--soft);border:1px solid var(--line);border-radius:6px;padding:.7rem 1rem;font-weight:500;font-size:.95rem;text-align:center}
.carrier-cat{margin-top:2.2rem}
.carrier-cat:first-of-type{margin-top:0}
.carrier-cat h3{font-size:1.15rem;color:var(--ink);margin-bottom:.2rem}
.carrier-cat .lead{color:var(--gray);font-size:.92rem;margin-bottom:.9rem}
.carrier-cat .carrier-names li{background:var(--white)}

/* carrier table */
#carrier-search{width:100%;max-width:460px;padding:.8rem 1rem;border-radius:6px;border:1px solid var(--line);background:var(--white);color:var(--ink);font-size:1rem;margin-bottom:1.4rem}
#carrier-search:focus{border-color:var(--lime);outline:none}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:10px}
.carrier-table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:560px}
.carrier-table thead th{background:var(--ink);color:#fff;text-align:left;padding:.85rem 1rem;font-weight:700;font-size:.9rem;letter-spacing:.02em}
.carrier-table tbody td{padding:.8rem 1rem;border-top:1px solid var(--line);color:var(--ink-soft)}
.carrier-table tbody tr:nth-child(even){background:var(--soft)}
.carrier-table tbody tr:hover{background:#eef5dd}
.carrier-table .c-name{font-weight:700;color:var(--ink);white-space:nowrap}
.c-tag{display:inline-block;font-size:.78rem;font-weight:600;color:var(--lime-dark);background:#f0f6e0;border:1px solid #d8e9b3;border-radius:20px;padding:.15rem .7rem;white-space:nowrap}
.no-results{text-align:center;color:var(--gray);padding:1.5rem;font-style:italic}
/* compact homepage carrier table */
.mini-table{width:100%;border-collapse:collapse;font-size:.95rem;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.mini-table td{padding:.75rem 1rem;border-top:1px solid var(--line)}
.mini-table tr:first-child td{border-top:none}
.mini-table tr:nth-child(even){background:var(--soft)}
.mini-table .m-name{font-weight:700;color:var(--ink);white-space:nowrap}
.mini-table .m-lines{color:var(--gray);text-align:right;font-size:.9rem}
@media(max-width:560px){.mini-table .m-lines{font-size:.82rem}}