:root{--navy:#102a3b;--deep:#0b2130;--gold:#e5b467;--ink:#183243;--muted:#546674;--line:#d9e1e5;--paper:#fff;--mist:#f1f5f7;--teal:#164c58;--max:1200px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);font-size:16px;line-height:1.65}a{color:inherit;text-underline-offset:4px}a:hover{color:#8b5616}button,input,select,textarea{font:inherit}button,a,input,select,textarea{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #b97524;outline-offset:4px}img{max-width:100%;display:block}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(2.8rem,5.1vw,4.7rem);font-weight:600;margin-bottom:26px}h2{font-size:clamp(2rem,3.4vw,3rem);font-weight:500;margin-bottom:24px}h3{font-size:1.5rem;font-weight:600}p{margin-bottom:20px}.wrap{width:min(var(--max),calc(100% - 80px));margin:auto}.section{padding-top:88px;padding-bottom:88px}.eyebrow{text-transform:uppercase;font-size:.78rem;font-weight:700;letter-spacing:.15em;margin-bottom:22px}.lede{font-size:1.16rem;line-height:1.7;max-width:670px}.fine{font-size:.83rem;line-height:1.6;color:var(--muted)}.skip{position:absolute;top:-90px;background:#fff;padding:12px;z-index:100}.skip:focus{top:0}.topbar{background:var(--deep);color:#e7edf0;font-size:.83rem;padding:8px 0}.topbar .wrap{display:flex;gap:26px;justify-content:flex-end}.topbar span{margin-right:auto}.topbar a{text-decoration:none}header{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)}.nav-row{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:26px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-size:1.03rem;letter-spacing:.07em;font-weight:700;line-height:1.2;flex-shrink:0}.brand small{display:block;font-size:.65rem;letter-spacing:.21em;font-weight:400;margin-top:6px}.brand-mark{background:var(--navy);color:var(--gold);font-size:1.2rem;letter-spacing:-.1em;padding:13px 11px;border-bottom:3px solid var(--gold)}nav{display:flex;align-items:center;gap:22px}nav>a:not(.button){font-size:.86rem;text-decoration:none;font-weight:600}nav a[aria-current]{text-decoration:underline;text-decoration-color:#b77a2e;text-decoration-thickness:2px}nav .button{font-size:.85rem;padding:12px 18px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:22px;border:1px solid var(--gold);border-radius:3px;background:var(--gold);color:var(--deep);padding:15px 23px;font-size:.96rem;line-height:1.45;text-decoration:none;font-weight:700;cursor:pointer}.button:hover{background:#f0c98e;color:var(--deep);border-color:#f0c98e}.button.secondary{border-color:var(--ink);background:transparent;color:var(--ink)}.button.secondary:hover{background:#e8eff2}.menu-toggle{display:none}.hero{background:var(--navy);color:#fff;padding:58px 0 64px}.hero-grid{display:grid;grid-template-columns:1.14fr 1fr;gap:50px;align-items:center}.hero h1{font-size:clamp(2.8rem,4.3vw,4.1rem)}.hero h1 em{font-family:Georgia,serif;color:var(--gold);font-weight:400}.hero .eyebrow{color:var(--gold)}.hero .lede{font-size:1.07rem;max-width:510px;color:#d2dfe6}.actions{display:flex;gap:22px;align-items:center;flex-wrap:wrap}.quiet-link{font-size:.9rem;color:#fff}.hero-note{font-size:.82rem;color:#b9cbd5;margin:28px 0 0}.hero-visual{position:relative;min-height:480px;align-self:stretch;overflow:hidden;border-radius:3px}.hero-visual>img{position:absolute;width:100%;height:100%;object-fit:cover;object-position:48% center}.hero-visual:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,rgba(6,29,44,.95),rgba(6,29,44,0) 80%)}.photo-caption{position:absolute;z-index:1;bottom:30px;left:32px;right:26px;border-left:3px solid var(--gold);padding-left:20px}.photo-caption>span{font-size:.7rem;letter-spacing:.14em}.photo-caption strong{display:block;font-size:1.7rem;line-height:1.15;font-weight:500;margin:12px 0 18px}.photo-caption a{font-size:.85rem}.state-band{background:#eaf0f3;border-bottom:1px solid var(--line)}.state-band .wrap{display:flex;align-items:center;gap:55px;padding-top:20px;padding-bottom:20px}.state-band p{margin:0;font-size:.88rem;letter-spacing:.09em;word-spacing:8px}.state-band>div>span{font-size:.74rem;font-weight:700;text-transform:uppercase;letter-spacing:.12em;white-space:nowrap}.state-band p span{color:#81949f}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:60px;margin-bottom:38px}.section-heading h2{margin-bottom:0}.section-heading>p{max-width:370px;color:var(--muted);margin-bottom:3px}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.coverage-card{border:1px solid var(--line);padding:28px;text-decoration:none;display:flex;flex-direction:column;transition:transform .18s,border-color .18s;min-height:285px}.coverage-card:hover{transform:translateY(-3px);border-color:#8ca9b9;color:var(--ink)}.card-number{color:#728591;font-family:Georgia,serif;font-size:1.1rem;display:block;margin-bottom:26px}.coverage-card h3{margin-bottom:15px}.coverage-card p{color:var(--muted);font-size:.96rem}.text-link{font-size:.92rem;font-weight:700;text-decoration:none}.coverage-card .text-link{margin-top:auto}.coverage-strip{display:grid;grid-template-columns:repeat(3,1fr);border-bottom:1px solid var(--line);margin-top:20px}.coverage-strip a{display:flex;justify-content:space-between;text-decoration:none;padding:21px 14px;font-size:.92rem}.coverage-strip a+a{border-left:1px solid var(--line)}.auto-feature{background:var(--teal);color:#fff;padding:74px 0}.split{display:grid;grid-template-columns:1fr 1fr;gap:90px}.auto-feature .eyebrow{color:var(--gold)}.auto-feature h2{font-size:clamp(2.6rem,4.6vw,4rem);margin-bottom:0}.auto-feature p{color:#e1edef}.large-copy{font-size:1.4rem;line-height:1.5}.tags{display:flex;gap:9px;flex-wrap:wrap;margin:25px 0 30px}.tags span{border:1px solid #6c8e98;padding:5px 11px;border-radius:30px;font-size:.78rem}.industry-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:40px}.industry-feature{display:block;background:var(--mist);padding:35px;text-decoration:none;border-left:4px solid var(--gold)}.industry-feature h3{font-size:2rem}.industry-feature p{max-width:460px}.industry-feature:hover{color:var(--ink);background:#e8eff2}.industry-list a{display:flex;justify-content:space-between;align-items:center;gap:25px;min-height:85px;padding:18px 4px;border-bottom:1px solid var(--line);text-decoration:none;font-size:1.08rem}.industry-list a span{white-space:nowrap;font-size:.8rem;color:var(--muted)}.claims-section{background:var(--mist)}.claim-card{position:relative;background:#fff;padding:32px 26px 26px;border-top:3px solid var(--teal);text-decoration:none;display:flex;flex-direction:column}.claim-card:hover{color:var(--ink);background:#fcfdfe}.claim-index{font-size:.72rem;letter-spacing:.14em;color:#69808d;margin-bottom:30px}.claim-card .eyebrow{font-size:.69rem;color:#496374}.claim-card h3{font-family:Georgia,serif;font-weight:400;font-size:1.75rem;line-height:1.2}.claim-card>p:not(.eyebrow){color:var(--muted);font-size:.92rem}.claim-card .text-link{margin-top:auto}.claim-card small{margin-top:22px;font-size:.75rem;color:var(--muted)}.claims-cards{margin-bottom:30px}.service-home{display:grid;grid-template-columns:1fr 1fr;gap:100px}.contact-panel{background:var(--mist);padding:36px}.contact-panel>a{display:block;margin-bottom:18px}.contact-large{font-size:clamp(1.15rem,2vw,1.55rem);font-weight:600;overflow-wrap:anywhere}.contact-panel h3{font-size:1.8rem}.page-intro{background:var(--navy);color:#fff;padding:64px 0}.page-intro .eyebrow{color:var(--gold)}.page-intro h1{max-width:1040px;font-size:clamp(2.5rem,4.8vw,4.25rem)}.page-intro .lede{color:#d1dde3;margin-bottom:0}.detail-layout{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:80px;align-items:start}.prose-section{margin-bottom:45px;scroll-margin-top:125px}.prose-section h2{font-size:1.75rem;line-height:1.25;margin-bottom:18px}.prose-section p{font-size:1.04rem}.prose-section li{margin-bottom:12px}.sidebar{background:var(--mist);padding:30px;border-top:3px solid var(--gold)}.sidebar h2{font-size:1.6rem;line-height:1.25}.sidebar ul{padding-left:20px;margin-bottom:30px}.sidebar li{margin:14px 0}.sidebar .button{width:100%;margin:0 0 20px}.sidebar>a:not(.button){font-size:.94rem}.sidebar hr{border:0;border-top:1px solid var(--line);margin:30px 0}.sidebar .contact-large{font-size:1.5rem}.lesson{padding:30px;background:var(--mist);border-left:3px solid var(--teal)}.lesson h3{font-family:Georgia,serif;font-size:1.6rem;font-weight:400}.source{font-size:.87rem;color:var(--muted)}.closing{background:var(--mist);padding:40px 44px;display:flex;align-items:center;justify-content:space-between;gap:40px;margin-bottom:80px}.closing h2{font-size:2rem}.closing .button{flex-shrink:0}.closing p:last-child{margin-bottom:0}.notice{border-left:3px solid #b17c2f;padding:15px 22px;background:#faf4e9;font-size:.95rem}.wide-feature{padding:40px;margin-bottom:54px}.industry-details{display:grid;grid-template-columns:1fr 1fr;column-gap:80px}.service-actions{display:flex;flex-wrap:wrap;gap:18px;margin-bottom:50px}.service-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}.service-card{border:1px solid var(--line);padding:35px;scroll-margin-top:120px}.service-card:first-child{background:var(--mist)}.service-card h2{font-size:1.95rem}.state-section{padding-bottom:80px}.state-grid{display:grid;grid-template-columns:repeat(5,1fr);margin:35px 0;border-top:1px solid var(--line);border-left:1px solid var(--line)}.state-grid>div{border-bottom:1px solid var(--line);border-right:1px solid var(--line);padding:22px}.state-grid strong{font-size:1.75rem;display:block}.state-grid span{font-size:.86rem}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}.office{grid-column:1/-1;margin-top:20px}address{font-style:normal}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.form-grid label,.email-preview label{display:flex;flex-direction:column;gap:7px;font-weight:600;font-size:.92rem}.form-grid label span{font-weight:400;color:var(--muted);display:contents}input,select,textarea{width:100%;min-height:48px;padding:10px 12px;color:var(--ink);background:white;border:1px solid #9aaeb8;border-radius:3px}textarea{resize:vertical}.full{grid-column:1/-1}form .fine{margin-top:22px}.email-preview{margin-top:35px;padding:28px;background:var(--mist)}.email-preview h2{font-size:1.65rem}.email-preview .actions{margin-top:20px}.email-preview textarea{font-size:.85rem}.prose{max-width:850px}.prose h2{font-size:1.65rem;margin-top:30px}footer{background:var(--deep);color:#d4e0e7;padding:60px 0 30px;font-size:.9rem}footer .brand{color:#fff}footer .brand-mark{background:#1a3a4e}footer h3{font-size:.95rem;letter-spacing:0;color:#fff;margin:0 0 25px}footer a:hover{color:var(--gold)}footer .brand+p{margin-top:23px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:65px}.footer-grid>div>a:not(.brand){display:block;margin-bottom:10px;text-decoration:none;overflow-wrap:anywhere}.footer-bottom{border-top:1px solid #314958;margin-top:40px;padding-top:25px;font-size:.77rem}.footer-bottom .fine{color:#a9bdc9;max-width:1000px;font-size:.77rem}.preview-label{color:var(--gold)}[hidden]{display:none!important}
@media(min-width:1450px){.hero h1{font-size:4.5rem}}@media(max-width:1150px){.wrap{width:calc(100% - 48px)}nav{gap:14px}nav>a:not(.button){font-size:.76rem}.brand{font-size:.88rem}.brand small{font-size:.6rem}.hero-grid{gap:30px}.hero .actions{align-items:flex-start;flex-direction:column;gap:16px}.detail-layout{gap:40px;grid-template-columns:minmax(0,1fr) 320px}.split{gap:50px}}
@media(max-width:900px){.menu-toggle{display:flex;align-items:center;gap:15px;padding:10px 14px;background:#fff;border:1px solid var(--line);color:var(--ink);cursor:pointer}.nav-row{min-height:80px;flex-wrap:wrap;padding:14px 0}nav{width:100%;display:flex;flex-wrap:wrap;padding-bottom:10px;gap:20px}nav>a:not(.button){font-size:.92rem}.js-ready nav{display:none}.js-ready nav.open{display:flex}.hero-grid{grid-template-columns:1fr 1fr;gap:28px}.hero h1{font-size:2.9rem}.hero-visual{min-height:450px}.hero .lede{font-size:1rem}.section{padding-top:64px;padding-bottom:64px}.state-band .wrap{gap:20px;align-items:flex-start;flex-direction:column}.state-band p{word-spacing:2px}.section-heading{gap:30px}.section-heading>p{max-width:300px}.coverage-card{padding:23px}.coverage-card h3{font-size:1.3rem}.card-grid{gap:15px}.service-home{gap:40px}.detail-layout{grid-template-columns:1fr}.sidebar{max-width:none}.industry-grid{grid-template-columns:1fr}.footer-grid{gap:30px}.closing{align-items:flex-start;flex-direction:column}.contact-panel{padding:25px}}
@media(max-width:640px){.wrap{width:calc(100% - 36px)}.topbar .wrap{justify-content:space-between;gap:10px}.topbar span{display:none}.topbar{font-size:.7rem}.brand{font-size:.88rem}.nav-row{min-height:75px}.hero{padding:42px 0}.hero-grid{grid-template-columns:1fr}.hero h1{font-size:clamp(2.6rem,10.5vw,3.6rem)}.hero .actions{gap:20px}.hero-visual{min-height:330px;margin-top:10px}.photo-caption{left:25px;bottom:26px}.hero-note{font-size:.78rem}.hero .eyebrow{font-size:.69rem}.state-band p{font-size:.79rem;line-height:2;word-spacing:0}.state-band .wrap{gap:8px}.section-heading{align-items:flex-start;flex-direction:column;gap:20px;margin-bottom:30px}.section-heading>p{max-width:none}.card-grid,.split,.service-home,.service-grid,.contact-grid,.industry-details{grid-template-columns:1fr}.coverage-card{min-height:235px}.coverage-strip{grid-template-columns:1fr}.coverage-strip a+a{border-left:0;border-top:1px solid var(--line)}.auto-feature{padding:55px 0}.split{gap:28px}.auto-feature h2{font-size:3rem}.section{padding-top:55px;padding-bottom:55px}.industry-feature{padding:27px}.industry-list a{font-size:.98rem}.claims-cards{gap:22px}.claim-card{padding:28px}.claim-index{margin-bottom:22px}.service-home{gap:35px}.page-intro{padding:45px 0}.page-intro h1{font-size:2.6rem}.lede{font-size:1.05rem}.closing{padding:28px;gap:25px;margin-bottom:55px}.closing h2{font-size:1.7rem}.service-actions .button{width:100%}.service-card{padding:25px}.state-grid{grid-template-columns:repeat(2,1fr)}.state-grid>div{padding:18px}.footer-grid{grid-template-columns:1fr;gap:35px}.form-grid{grid-template-columns:1fr}.full{grid-column:auto}.office{grid-column:auto}.contact-panel{padding:28px}.contact-large{font-size:1.18rem}.eyebrow{font-size:.72rem}.email-preview{padding:20px}.button{font-size:.9rem}.photo-caption strong{font-size:1.7rem}}
.team-section{border-top:1px solid var(--line)}.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin:35px 0}.team-card{padding:24px;border:1px solid var(--line)}.team-initials{display:inline-block;padding:13px;background:var(--mist);font-family:Georgia,serif;color:var(--teal);font-size:1.4rem;margin-bottom:25px}.team-card h3{font-size:1.25rem}.team-card p{font-size:.9rem;color:var(--muted);margin-bottom:0}@media(max-width:900px){.team-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:440px){.team-grid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Rev4 additions preserve Rev3 visual tokens and component styles. */
.breadcrumbs{display:flex;flex-wrap:wrap;justify-content:flex-start;gap:9px;padding-top:18px;padding-bottom:18px;font-size:.8rem;color:var(--muted)}.breadcrumbs>a:not(.button){font-size:inherit}.entity-note{border-top:1px solid var(--line);padding-top:26px;padding-bottom:26px;font-size:.9rem;color:var(--muted)}.entity-note p{max-width:950px;margin:0}.agency-name{font-weight:700;margin-bottom:8px}.knowledge-topic{margin:45px 0 65px;scroll-margin-top:140px}.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{font-weight:700;cursor:pointer;line-height:1.5}.faq details p{margin:16px 0 0}.faq summary:focus-visible{outline:3px solid #b97524;outline-offset:4px}#navigation{gap:16px}#navigation>a:not(.button){font-size:.8rem}
@media(max-width:1100px){.menu-toggle{display:flex;align-items:center;gap:15px;padding:10px 14px;background:#fff;border:1px solid var(--line);color:var(--ink);cursor:pointer}.nav-row{flex-wrap:wrap;padding:14px 0}#navigation{width:100%;flex-wrap:wrap}.js-ready #navigation{display:none}.js-ready #navigation.open{display:flex}#navigation>a:not(.button){font-size:.92rem}}
.js-ready nav.breadcrumbs{display:flex}.breadcrumbs{font-weight:400}