:root{
  --green:#064a37;--green2:#0b6b4b;--deep:#052f25;--blue:#1754e8;--blue2:#2f6df5;
  --cream:#f7f3ea;--soft:#eef6f2;--ink:#14221d;--muted:#607069;--line:#dfe8e3;
  --white:#fff;--shadow:0 16px 45px rgba(6,74,55,.11)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}.wrap{width:min(1200px,calc(100% - 40px));margin:auto}
.topbar{background:var(--deep);color:#e8f1ed;font-size:13px}.topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:18px}.top-meta{display:flex;gap:16px;align-items:center}.top-meta a{color:#fff;text-decoration:none}.top-meta button{border:1px solid rgba(255,255,255,.5);background:transparent;color:#fff;border-radius:999px;padding:4px 10px;font-weight:800}
.main-nav{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid #edf1ef;backdrop-filter:blur(10px)}.nav-inner{min-height:104px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{display:block;width:430px;max-height:112px;object-fit:contain;object-position:left center}.links{display:flex;align-items:center;gap:18px}.links>a:not(.btn){text-decoration:none;color:#233a31;font-size:14px;font-weight:800}.links .active{color:var(--green2);border-bottom:2px solid var(--green2);padding-bottom:5px}.menu{display:none;border:0;background:none;font-size:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;border-radius:11px;padding:11px 18px;font-weight:900;border:1px solid transparent}.btn.big{padding:16px 23px}.blue{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(23,84,232,.2)}.blue:hover{background:#0f46cf}.glass{color:#fff;border-color:rgba(255,255,255,.72);background:rgba(255,255,255,.1);backdrop-filter:blur(9px)}.white-outline{border-color:#fff;color:#fff;background:transparent}
.eyebrow{font-size:12px;letter-spacing:2.4px;font-weight:900;color:var(--green2)}.eyebrow.light{color:#bce9d6}h1,h2,h3,h4{font-family:Georgia,serif;color:var(--green);line-height:1.04}h2{font-size:clamp(38px,4vw,58px);margin:12px 0 22px}
.hero{min-height:720px;position:relative;overflow:hidden;background:#15271f}.hero-image{position:absolute;inset:0;background:url("hero-family-home.png") center 48%/cover no-repeat}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,34,25,.96) 0%,rgba(4,47,34,.88) 38%,rgba(5,42,31,.32) 66%,rgba(0,0,0,.07) 100%)}.hero-inner{min-height:720px;position:relative;display:flex;align-items:center;justify-content:space-between}.hero-copy{width:55%;color:#fff}.hero h1{font-size:clamp(68px,7vw,96px);color:#fff;margin:12px 0 22px;letter-spacing:-.04em}.hero h1 em{font-style:normal;color:#56b8ee}.hero-copy>p{font-size:20px;line-height:1.5;max-width:650px;color:#edf5f1}.hero-actions{display:flex;gap:13px;margin-top:28px;flex-wrap:wrap}.hero-proof{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.hero-proof span{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:9px 13px;font-size:13px;font-weight:800}.hero-note{align-self:center;background:rgba(255,255,255,.93);padding:28px;border-radius:20px;width:250px;color:var(--green);box-shadow:var(--shadow)}.hero-note strong{font:700 29px/1.08 Georgia,serif;display:block}.hero-note span{font-size:12px;display:block;margin-top:10px;color:#51645b}
.section{padding:120px 0}.section-centered{text-align:center;max-width:920px}.wide-intro,.section-lead,.services-copy{font-size:18px;color:var(--muted);max-width:780px}.wide-intro{margin:0 auto}.markets-section{background:#fff}.market-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:48px}.market-grid article{border:1px solid var(--line);border-radius:20px;padding:28px;background:#fff;box-shadow:0 10px 28px rgba(6,74,55,.06)}.market-grid b{display:block;color:var(--green);font-size:19px;margin-bottom:9px}.market-grid p{color:var(--muted);margin:0}
.personal-section{background:linear-gradient(180deg,#f5faf7,#fff)}.personal-intro-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center;margin-bottom:52px}.personal-feature-photo{height:430px;position:relative;border-radius:26px;overflow:hidden;box-shadow:var(--shadow)}.personal-feature-photo img{width:100%;height:100%;object-fit:cover}.feature-note{position:absolute;right:22px;bottom:22px;background:rgba(255,255,255,.94);padding:18px 20px;border-radius:16px;color:var(--green);max-width:250px}.feature-note b,.feature-note span{display:block}.feature-note b{font:700 23px Georgia,serif}.feature-note span{font-size:13px;color:#5f6e67;margin-top:6px}
.coverage-click-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}.coverage-click-card{position:relative;height:360px;border-radius:20px;overflow:hidden;text-decoration:none;color:#fff;box-shadow:0 14px 38px rgba(6,74,55,.12);background:#0b4938}.coverage-click-card img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .35s ease}.coverage-click-card:hover img{transform:scale(1.035)}.coverage-click-card:after{content:"";position:absolute;inset:38% 0 0;background:linear-gradient(transparent,rgba(3,47,34,.98))}.coverage-card-overlay{position:absolute;z-index:2;left:18px;right:18px;bottom:18px}.coverage-card-overlay h3{color:#fff;font-size:24px;margin:5px 0 6px}.coverage-card-overlay p{margin:0 0 12px;color:#e7f0ec;font-size:14px;line-height:1.35}.coverage-card-overlay b{font-size:12px;color:#fff}
.commercial-section{background:var(--deep);color:#eaf4f0}.commercial-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center}.commercial-copy h2{color:#fff}.commercial-copy>p{font-size:18px;color:#cfe0d8}.pill-grid{display:flex;flex-wrap:wrap;gap:10px;margin:28px 0 30px}.pill-grid span{border:1px solid rgba(255,255,255,.25);background:rgba(255,255,255,.07);border-radius:999px;padding:10px 13px;font-size:13px;font-weight:800}.commercial-visual{height:560px;border-radius:28px;overflow:hidden;position:relative}.commercial-visual img{width:100%;height:100%;object-fit:cover}.commercial-visual:after{content:"";position:absolute;inset:52% 0 0;background:linear-gradient(transparent,rgba(2,37,27,.9))}.visual-label{position:absolute;z-index:2;left:26px;right:26px;bottom:26px;color:#fff}.visual-label strong{font:700 28px Georgia,serif;display:block}.visual-label span{display:block;margin-top:5px}
.services-section{background:#fff}.services-split{display:grid;grid-template-columns:.85fr 1.15fr;gap:64px;align-items:center}.services-visual{position:relative;height:520px;border-radius:28px;overflow:hidden;box-shadow:var(--shadow)}.services-visual img{width:100%;height:100%;object-fit:cover}.services-visual:after{content:"";position:absolute;inset:55% 0 0;background:linear-gradient(transparent,rgba(3,47,34,.94))}.services-visual-note{position:absolute;z-index:2;left:24px;right:24px;bottom:24px;color:#fff}.services-visual-note strong{display:block;font:700 30px Georgia,serif}.services-visual-note span{display:block;margin-top:4px;color:#dfece6}.service-tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.spacious-services{margin-top:52px}.service-tiles a{text-decoration:none;color:var(--ink);background:var(--cream);border-radius:18px;padding:28px;min-height:170px;border:1px solid #efe9dc}.service-tiles b{display:block;color:var(--green);font-size:18px;margin-bottom:8px}.service-tiles p{color:var(--muted);margin:0}
.about-section{background:var(--cream)}.about-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}.about-brand-panel{min-height:500px;border-radius:28px;background:linear-gradient(145deg,#fff,#eef6f2);display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;padding:50px;box-shadow:var(--shadow);border:1px solid #e5ece8}.about-brand-panel img{width:min(520px,95%);height:auto}.about-brand-panel h3{font-size:30px;margin:18px 0 8px}.about-brand-panel p{max-width:480px;color:var(--muted)}.about-copy>p{font-size:17px;color:#53635c}.about-points{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px}.about-points div{background:#fff;border:1px solid #dfe8e3;border-radius:15px;padding:18px}.about-points b,.about-points span{display:block}.about-points b{color:var(--green)}.about-points span{font-size:13px;color:var(--muted);margin-top:4px}
.cta{background:linear-gradient(110deg,var(--green),#087052);color:#fff;padding:82px 0}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:45px}.cta h2{color:#fff;margin-bottom:10px}.cta p{color:#d9ebe3}.cta-actions{display:flex;gap:12px;flex-wrap:wrap}
footer{background:#052820;color:#c8d8d1;padding:58px 0 22px}.footer-grid{display:grid;grid-template-columns:1.4fr .8fr 1fr 1fr;gap:40px}.footer-brand{display:flex;flex-direction:column;align-items:flex-start;gap:14px}.footer-brand img{width:360px;max-width:100%;height:auto;display:block;object-fit:contain;background:#fff;border-radius:18px;padding:14px 18px;box-shadow:0 10px 28px rgba(0,0,0,.16)}.footer-brand p{color:#eef7f3;font-size:14px;line-height:1.65;margin:0}.footer-grid h4{color:#fff;font-size:16px;margin:0 0 10px}.footer-grid a{color:#f5fbf8;text-decoration:none}.footer-grid p{line-height:1.8}.footer-bottom{border-top:1px solid #1c4438;margin-top:34px;padding-top:20px;display:flex;justify-content:space-between;font-size:12px;color:#d7e7df}
@media(max-width:1050px){.nav-inner{min-height:96px}.brand img{width:330px}.links{display:none;position:absolute;left:0;right:0;top:92px;background:#fff;padding:18px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}.links.open{display:flex}.menu{display:block}.hero-note{display:none}.hero-copy{width:74%}.market-grid,.service-tiles{grid-template-columns:repeat(2,1fr)}.personal-intro-grid,.commercial-grid,.services-split,.about-grid{grid-template-columns:1fr}.coverage-click-grid{grid-template-columns:repeat(2,1fr)}.commercial-visual{height:470px}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.wrap{width:min(100% - 24px,1200px)}.topbar-inner{padding:7px 0;align-items:flex-start;flex-direction:column}.top-meta{gap:8px;flex-wrap:wrap}.nav-inner{min-height:84px}.brand img{width:250px;max-width:75vw}.links{top:80px}.hero,.hero-inner{min-height:680px}.hero-shade{background:linear-gradient(180deg,rgba(3,34,25,.87),rgba(3,34,25,.68))}.hero-copy{width:100%}.hero h1{font-size:56px}.hero-copy>p{font-size:17px}.hero-actions{flex-direction:column}.hero-actions .btn{width:100%}.section{padding:82px 0}.market-grid,.coverage-click-grid,.service-tiles,.about-points{grid-template-columns:1fr}.personal-feature-photo,.services-visual,.commercial-visual{height:360px}.coverage-click-card{height:310px}.cta-inner{flex-direction:column;align-items:flex-start}.cta-actions{width:100%;flex-direction:column}.cta-actions .btn{width:100%}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;gap:7px}.footer-brand img{width:300px}}

/* --- v4 visual alignment to approved long-scroll concept --- */
.markets-section{padding-top:125px;padding-bottom:125px}
.personal-section{padding-top:130px;padding-bottom:135px}
.commercial-section{padding-top:135px;padding-bottom:135px}
.services-section{padding-top:130px;padding-bottom:135px}
.about-section{padding-top:130px;padding-bottom:135px}
.about-office-photo{
  min-height:500px;
  border-radius:28px;
  overflow:hidden;
  box-shadow:0 22px 60px rgba(6,74,55,.14);
  background:#fff;
}
.about-office-photo img{
  width:100%;
  height:100%;
  min-height:500px;
  object-fit:cover;
  display:block;
}
.about-button{margin-top:24px}
@media(max-width:1050px){
  .about-office-photo,.about-office-photo img{min-height:420px}
}
@media(max-width:650px){
  .about-office-photo,.about-office-photo img{min-height:320px}
}


/* --- v5: larger office feature image / no carrier logo strip retained --- */
.about-grid{grid-template-columns:1.08fr .92fr;gap:78px;align-items:center}
.about-office-photo{min-height:580px;border-radius:30px;overflow:hidden;box-shadow:0 24px 65px rgba(6,74,55,.16);background:#fff}
.about-office-photo img{width:100%;height:100%;min-height:580px;object-fit:cover;object-position:left center;display:block}
@media(max-width:1050px){.about-grid{grid-template-columns:1fr}.about-office-photo,.about-office-photo img{min-height:460px}}
@media(max-width:650px){.about-office-photo,.about-office-photo img{min-height:340px}}