:root{--navy:#13672a;--navy2:#102f1c;--teal:#1f8a3a;--mint:#eaf6ef;--cream:#f5f8f7;--ink:#17212b;--muted:#66727d;--line:#dfe7e4;--white:#fff;--gold:#e7b341;--shadow:0 18px 45px rgba(16,47,28,.12)}*{box-sizing:border-box}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);line-height:1.55}.wrap{width:min(1180px,calc(100% - 36px));margin:auto}.top{background:var(--navy2);color:#dceaf0;font-size:.88rem}.top .wrap{display:flex;justify-content:space-between;align-items:center;min-height:38px}.top a{color:#fff;text-decoration:none}.top button{margin-left:10px;background:transparent;color:#fff;border:1px solid #8ca7b2;border-radius:20px;padding:3px 10px}nav{position:sticky;top:0;background:rgba(255,255,255,.97);z-index:5;border-bottom:1px solid #edf1f2}.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;gap:11px;align-items:center;text-decoration:none;color:var(--navy)}.brand span:last-child{display:flex;flex-direction:column}.brand small{color:var(--muted)}.logo{width:58px;height:58px;object-fit:contain;display:block}.links{display:flex;gap:18px;align-items:center}.links>a:not(.btn){text-decoration:none;color:#405b67;font-weight:700}.menu{display:none}.btn{display:inline-flex;justify-content:center;align-items:center;text-decoration:none;border-radius:10px;padding:10px 17px;font-weight:800;border:1px solid transparent}.primary{background:var(--teal);color:#fff}.outline{border-color:#bfd0d6;color:var(--navy);background:#fff}.light{background:#fff;color:var(--navy);box-shadow:var(--shadow)}.white{background:#fff;color:var(--navy)}.ghost{border-color:#93abb5;color:#fff}.big{padding:14px 21px}.hero{padding:72px 0;background:linear-gradient(125deg,#edf7f0,#fbfdfb 50%,#eef5f0)}.heroGrid{display:grid;grid-template-columns:1.15fr .85fr;gap:60px;align-items:center}.eyebrow{font-size:.77rem;letter-spacing:.16em;font-weight:900;color:var(--teal)}h1,h2,h3,h4{color:var(--navy);line-height:1.12}h1{font-size:clamp(2.6rem,5vw,4.8rem);letter-spacing:-.045em;margin:14px 0 22px}h2{font-size:clamp(2rem,3.4vw,3rem);letter-spacing:-.035em}.lead{font-size:1.15rem;color:#526d78;max-width:670px}.lead.small{font-size:1.1rem}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 24px}.trust{display:flex;gap:18px;flex-wrap:wrap;color:#5a707a;font-size:.9rem}.quick{background:#fff;border:1px solid #e6edef;border-radius:20px;padding:14px;box-shadow:var(--shadow)}.quick h3{padding:5px 12px}.quick a{display:grid;grid-template-columns:44px 1fr auto;gap:12px;align-items:center;padding:14px 12px;text-decoration:none;border-radius:13px}.quick a:hover{background:#f0f8f3}.quick a>span{font-size:1.4rem}.quick div{display:flex;flex-direction:column}.quick small{color:var(--muted)}.quick em{font-style:normal}.section{padding:82px 0}.alt{background:var(--cream)}.intro{color:var(--muted);font-size:1.05rem}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}.cards article,.features article{border:1px solid var(--line);border-radius:16px;background:#fff;padding:25px}.cards i{font-style:normal;font-size:1.65rem}.cards p,.features p{color:var(--muted)}.cards a,.features a{color:var(--teal);font-weight:800;text-decoration:none}.features{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}.features article>span{color:#a9bcc4;font-weight:900}.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}.stats div{border-top:3px solid var(--teal);padding-top:12px}.stats b,.stats span{display:block}.stats span{color:var(--muted);font-size:.88rem}.cta{background:linear-gradient(120deg,var(--navy2),var(--navy));padding:58px 0;color:#fff}.cta h2{color:#fff;margin:10px 0}.pale{color:#bde9eb}.ctaIn{display:flex;justify-content:space-between;gap:40px;align-items:center}footer{background:#0e2517;color:#bed0d8;padding:48px 0 22px}.foot{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:40px}.foot b,.foot h4{color:#fff}.foot a{color:#dff7f7;text-decoration:none}.copy{border-top:1px solid #27404b;margin-top:25px;padding-top:18px;display:flex;justify-content:space-between;font-size:.82rem}.formPage{background:#f4f8f9;min-height:100vh;padding:55px 0}.narrow{max-width:850px}.center{text-align:center}.formCard{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow);margin-top:28px}.formGrid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.formGrid label{display:flex;flex-direction:column;gap:7px;font-weight:700}.full{grid-column:1/-1}input,select,textarea{padding:13px;border:1px solid #cdd9de;border-radius:10px;font:inherit}.fullBtn{width:100%;margin-top:20px}.note{text-align:center;color:#7b8c94;font-size:.83rem}.success{margin-top:16px;background:#eaf8ef;color:#256a40;padding:12px;border-radius:10px;font-weight:700}@media(max-width:900px){.links{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:18px;flex-direction:column;align-items:stretch}.links.open{display:flex}.menu{display:block;background:none;border:0;font-size:1.7rem}.heroGrid,.about{grid-template-columns:1fr}.cards{grid-template-columns:repeat(2,1fr)}.features{grid-template-columns:1fr}.ctaIn{flex-direction:column;align-items:flex-start}.foot{grid-template-columns:1fr 1fr}}@media(max-width:620px){.wrap{width:min(100% - 24px,1180px)}h1{font-size:2.55rem}.cards,.formGrid,.stats,.foot{grid-template-columns:1fr}.actions{flex-direction:column}.actions .btn{width:100%}.copy{flex-direction:column;gap:8px}}
.marketGrid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px;margin-top:30px}.marketLogo{min-height:88px;border:1px solid var(--line);border-radius:14px;background:#fff;display:grid;place-items:center;padding:14px;text-align:center;font-weight:800;color:#5f6f67}.marketLogo span{font-size:.82rem;color:var(--muted);font-weight:700}.marketNote{margin-top:18px;color:var(--muted);font-size:.92rem}.topMeta{display:flex;gap:16px;align-items:center;flex-wrap:wrap}.topMeta span{opacity:.9}.topMeta a{white-space:nowrap}@media(max-width:900px){.marketGrid{grid-template-columns:repeat(3,1fr)}}@media(max-width:620px){.marketGrid{grid-template-columns:repeat(2,1fr)}.top .wrap{align-items:flex-start;padding:7px 0;gap:7px;flex-direction:column}.topMeta{gap:10px}}

/* --- v3 visual upgrade --- */
.hero-upgraded{padding:72px 0 58px;background:linear-gradient(135deg,#f8fcf9 0%,#eef8f1 55%,#e3f1e8 100%);overflow:hidden}
.upgraded-grid{grid-template-columns:1.02fr .98fr;gap:46px;align-items:center}
.hero-copy h1{font-size:clamp(2.8rem,5vw,4.65rem);line-height:.98;letter-spacing:-.04em;max-width:780px;margin:.35em 0 .35em}
.hero-copy .lead{font-size:1.22rem;max-width:700px}.service-strip{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}.service-strip span{background:#fff;border:1px solid #d7e9dd;border-radius:999px;padding:9px 13px;font-weight:700;font-size:.92rem;box-shadow:0 5px 18px rgba(17,70,44,.06)}
.hero-visual{position:relative}.hero-visual svg{display:block;width:100%;filter:drop-shadow(0 22px 35px rgba(17,70,44,.13))}.floating-card{position:absolute;background:white;border:1px solid #dbece0;border-radius:16px;padding:13px 16px;box-shadow:0 15px 35px rgba(17,70,44,.14);display:flex;flex-direction:column}.floating-card b{color:#134d35}.floating-card span{font-size:.8rem;color:#65766c;margin-top:3px}.fc1{left:2%;top:10%}.fc2{right:0;bottom:6%}
.mini-proof{padding:22px 0;background:#fff}.proof-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.proof-grid>div{border:1px solid #d9eade;background:#fbfefc;border-radius:16px;padding:18px}.proof-grid strong{display:block;color:#104d34;margin-bottom:5px}.proof-grid span{font-size:.88rem;color:#687a70}
.visual-cards{grid-template-columns:repeat(3,1fr)}.visual-cards article{overflow:hidden;padding-top:0}.card-image{height:160px;margin:0 -1px 22px;display:grid;place-items:center;font-size:4.1rem;background:linear-gradient(135deg,#dff2e6,#f8fcf9)}.auto-art{background:linear-gradient(135deg,#e7f5eb,#d9efe1)}.home-art{background:linear-gradient(135deg,#f7f0d6,#edf7ef)}.biz-art{background:linear-gradient(135deg,#dceee5,#e8f3ed)}
.about-rich{background:#fff}.about-split{display:grid;grid-template-columns:.9fr 1.1fr;gap:52px;align-items:center}.about-photo-illustration svg{width:100%;display:block;filter:drop-shadow(0 18px 30px rgba(17,70,44,.12))}.about-highlights{display:grid;grid-template-columns:1fr;gap:12px;margin-top:24px}.about-highlights>div{padding:16px 18px;border-left:4px solid #1b6c49;background:#f5faf7;border-radius:8px}.about-highlights b{display:block;color:#104d34;margin-bottom:4px}.about-highlights span{font-size:.91rem;color:#66786e}
.image-features article{position:relative;overflow:hidden}.feature-pic{height:120px;margin:-4px -4px 18px;border-radius:14px;display:grid;place-items:center;font-size:3.4rem;background:linear-gradient(135deg,#dcefe4,#f3faf5)}.tax-pic{background:linear-gradient(135deg,#f5edcf,#eaf6ee)}.book-pic{background:linear-gradient(135deg,#d9eee2,#eef8f2)}.notary-pic{background:linear-gradient(135deg,#e5f2e9,#f4f9f6)}
.named-markets .marketLogo{font-weight:800;color:#234c38;background:#fff;min-height:74px;display:flex;align-items:center;justify-content:center;text-align:center;border:1px solid #d8eadf;box-shadow:0 7px 20px rgba(16,70,44,.05)}
@media(max-width:900px){.upgraded-grid,.about-split{grid-template-columns:1fr}.hero-visual{max-width:680px;margin:auto}.proof-grid{grid-template-columns:repeat(2,1fr)}.visual-cards{grid-template-columns:1fr}.fc1{left:3%;top:4%}.fc2{right:2%;bottom:3%}}
@media(max-width:560px){.hero-upgraded{padding-top:44px}.hero-copy h1{font-size:2.55rem}.proof-grid{grid-template-columns:1fr}.floating-card{display:none}.service-strip span{font-size:.82rem}.about-split{gap:28px}}

/* ===== V4 PHOTOGRAPHY UPGRADE ===== */
:root{--yu-green:#0f5b3b;--yu-deep:#073c28;--yu-gold:#d9ae45;--yu-cream:#f6f4ed;--yu-ink:#15231d;--yu-soft:#edf5ef}
.v4-hero{position:relative;min-height:690px;display:flex;align-items:center;color:#fff;background-image:linear-gradient(90deg,rgba(5,37,24,.94) 0%,rgba(8,57,37,.82) 43%,rgba(8,57,37,.18) 72%,rgba(8,57,37,.02) 100%),url('https://images.unsplash.com/photo-1542037104857-ffbb0b9155fb?auto=format&fit=crop&w=1800&q=86');background-size:cover;background-position:center 40%;overflow:hidden}
.v4-hero:after{content:"";position:absolute;inset:auto 0 0;height:8px;background:linear-gradient(90deg,var(--yu-gold),#f6d87e,var(--yu-green))}
.v4-hero .wrap{position:relative;z-index:2;width:100%}.v4-copy{max-width:760px;padding:88px 0 96px}.v4-copy .eyebrow{color:#f7d676}.v4-copy h1{font-size:clamp(3.1rem,6vw,6.1rem);line-height:.96;letter-spacing:-.055em;max-width:850px;margin:16px 0 24px}.v4-copy .lead{max-width:690px;font-size:1.28rem;color:rgba(255,255,255,.9)}
.v4-hero .actions{margin-top:30px}.v4-hero .btn.primary{background:var(--yu-gold);color:#153225;border-color:var(--yu-gold)}.v4-hero .btn.light{background:#fff;color:var(--yu-deep)}
.hero-badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:36px}.hero-badges span{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.27);backdrop-filter:blur(9px);padding:10px 14px;border-radius:999px;font-size:.92rem;font-weight:800}
.photo-service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:32px}.photo-service-card{position:relative;min-height:330px;border-radius:24px;overflow:hidden;box-shadow:0 20px 55px rgba(8,39,26,.13);isolation:isolate}.photo-service-card:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,0,0,.03) 25%,rgba(4,27,18,.83) 100%);z-index:1}.photo-service-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .5s ease}.photo-service-card:hover img{transform:scale(1.045)}.photo-service-card .content{position:absolute;left:0;right:0;bottom:0;padding:24px;color:#fff;z-index:2}.photo-service-card h3{margin:0 0 7px;font-size:1.45rem}.photo-service-card p{margin:0 0 16px;color:rgba(255,255,255,.86);font-size:.96rem}.photo-service-card a{color:#fff;font-weight:900;text-decoration:none;border-bottom:2px solid var(--yu-gold);padding-bottom:2px}
.v4-about{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center}.about-photo{position:relative;min-height:520px;border-radius:30px;overflow:hidden;box-shadow:0 24px 70px rgba(6,41,27,.17)}.about-photo img{width:100%;height:100%;position:absolute;inset:0;object-fit:cover}.about-photo .photo-caption{position:absolute;left:24px;right:24px;bottom:24px;background:rgba(6,55,36,.9);backdrop-filter:blur(10px);border-radius:18px;padding:20px;color:#fff}.photo-caption strong{display:block;font-size:1.12rem}.photo-caption span{display:block;margin-top:5px;color:#dcece2}.about-list{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:24px}.about-list div{background:#fff;border:1px solid #dce9e0;border-radius:16px;padding:17px}.about-list b{display:block;color:var(--yu-green);margin-bottom:5px}.about-list span{font-size:.92rem;color:#53645d}
.market-band{background:#fff;border-top:1px solid #e7eee9;border-bottom:1px solid #e7eee9}.logos-title{text-align:center}.logo-wall{display:grid;grid-template-columns:repeat(6,1fr);gap:14px;margin-top:26px}.carrier-tile{height:96px;display:flex;align-items:center;justify-content:center;background:#fff;border:1px solid #dce8e0;border-radius:16px;padding:14px;box-shadow:0 10px 28px rgba(10,52,35,.06)}.carrier-tile img{max-width:100%;max-height:52px;object-fit:contain;filter:saturate(.9)}.carrier-fallback{font-weight:900;color:#2e4a3e;text-align:center;font-size:.92rem}
.product-cloud{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:24px}.product-cloud a{display:block;text-decoration:none;color:#173f30;background:#f2f7f3;border:1px solid #d9e7dd;border-radius:14px;padding:15px 16px;font-weight:800}.product-cloud a:hover{background:#e9f3ec;transform:translateY(-2px)}
.split-photo-band{display:grid;grid-template-columns:1fr 1fr;gap:22px}.split-panel{min-height:400px;border-radius:26px;overflow:hidden;position:relative}.split-panel img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.split-panel:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 25%,rgba(0,0,0,.76) 100%)}.split-panel .panel-copy{position:absolute;left:0;right:0;bottom:0;padding:30px;color:#fff;z-index:2}.panel-copy h3{font-size:2rem;margin:0 0 8px}.panel-copy p{color:#e7eee9}.panel-copy a{color:#fff;font-weight:900}
@media(max-width:980px){.photo-service-grid{grid-template-columns:1fr 1fr}.v4-about{grid-template-columns:1fr}.logo-wall{grid-template-columns:repeat(3,1fr)}.product-cloud{grid-template-columns:1fr 1fr}.split-photo-band{grid-template-columns:1fr}.v4-hero{min-height:630px;background-position:65% center}.v4-copy{padding:72px 0}}
@media(max-width:620px){.v4-hero{min-height:700px;background-position:68% center}.v4-hero{background-image:linear-gradient(180deg,rgba(5,37,24,.88),rgba(5,37,24,.72)),url('https://images.unsplash.com/photo-1542037104857-ffbb0b9155fb?auto=format&fit=crop&w=1100&q=84')}.v4-copy h1{font-size:3.25rem}.photo-service-grid{grid-template-columns:1fr}.photo-service-card{min-height:290px}.logo-wall{grid-template-columns:repeat(2,1fr)}.product-cloud{grid-template-columns:1fr}.about-list{grid-template-columns:1fr}.about-photo{min-height:390px}}

/* ===== V5 INSURANCE-FOCUSED / ROYAL BLUE CTA ===== */
:root{--royal:#4169E1;--royal-dark:#2f52c6;--yu-green:#116633;--yu-deep:#0b4c28;--yu-blue:#59aee8;--yu-soft:#f2f8f4;--yu-gold:#d9ae45}
.v5 .btn.royal,.v5 .royal{background:var(--royal);color:#fff;border-color:var(--royal);box-shadow:0 8px 20px rgba(65,105,225,.18)}
.v5 .btn.royal:hover{background:var(--royal-dark);border-color:var(--royal-dark)}
.v5 .links .active{color:var(--yu-green);border-bottom:2px solid var(--yu-green);padding-bottom:5px}
.v5-hero{background:linear-gradient(110deg,#f8fcf9 0%,#eef7f0 52%,#fff 52%);padding:0;overflow:hidden}.v5-hero-grid{display:grid;grid-template-columns:1fr 1.03fr;min-height:610px;align-items:stretch}.v5-copy{padding:84px 52px 76px 0;display:flex;flex-direction:column;justify-content:center}.v5-copy h1{color:var(--yu-green);font-size:clamp(3.2rem,5.8vw,5.8rem);margin:12px 0 20px}.v5-copy .lead{font-size:1.2rem}.callBtn{background:#fff;color:var(--yu-green);border-color:#8db8a0}.v5-trust{display:flex;gap:20px;flex-wrap:wrap;margin-top:25px;color:#315a45;font-weight:700;font-size:.92rem}.v5-photo{position:relative;min-height:610px}.v5-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.v5-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(242,248,244,.28),transparent 25%)}.photo-note{position:absolute;right:32px;top:50%;transform:translateY(-50%);z-index:2;background:rgba(255,255,255,.9);border-radius:22px;padding:28px;max-width:220px;font-family:Georgia,serif;font-size:2rem;line-height:1.15;color:var(--yu-green);box-shadow:0 18px 55px rgba(17,74,43,.14)}
.partners{padding:52px 0 58px;background:#fff;text-align:center;border-top:1px solid #e7eee9;border-bottom:1px solid #e7eee9}.partners h2{margin:10px 0 8px}.compact{grid-template-columns:repeat(6,1fr)}.carrier-tile{position:relative}.logo-name{display:none}.carrier-tile img:not([src])+.logo-name{display:block}.coverage .section-head{display:flex;align-items:end;justify-content:space-between;gap:40px}.coverage .section-head p{max-width:470px;color:var(--muted)}.coverage-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:30px}.coverage-card{background:#fff;border:1px solid #dce8e0;border-radius:18px;overflow:hidden;text-decoration:none;color:var(--ink);box-shadow:0 8px 26px rgba(10,52,35,.06);padding-bottom:18px;transition:.2s}.coverage-card:hover{transform:translateY(-3px)}.coverage-card img{width:100%;height:150px;object-fit:cover}.coverage-card h3{font-size:1.1rem;margin:15px 16px 6px}.coverage-card p{margin:0 16px;color:var(--muted);min-height:48px}.coverage-card b{display:grid;place-items:center;margin:15px 16px 0;width:34px;height:34px;border:2px solid var(--yu-green);border-radius:50%;color:var(--yu-green)}.commercial-feature{background:linear-gradient(120deg,#f1f7f3,#fff)}.commercial-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:44px;align-items:center}.commercial-photo{border-radius:28px;overflow:hidden;min-height:430px}.commercial-photo img{width:100%;height:100%;min-height:430px;object-fit:cover}.commercial-links{display:flex;flex-wrap:wrap;gap:10px;margin:24px 0}.commercial-links span{background:#fff;border:1px solid #d5e5da;padding:9px 12px;border-radius:999px;color:#315a45;font-weight:700}.about-v5{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.about-image{min-height:430px;border-radius:28px;overflow:hidden}.about-image img{width:100%;height:430px;object-fit:cover}.about-points{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:22px}.about-points span{background:white;border:1px solid #dce8e0;border-radius:13px;padding:14px;font-weight:800;color:var(--yu-green)}.quote-band{background:linear-gradient(90deg,var(--yu-green),#14763a);padding:52px 0;color:#fff}.quote-band h2{color:#fff;margin:8px 0}.quote-band p{color:#dceee4}.quote-band-grid{display:flex;align-items:center;justify-content:space-between;gap:35px}.quote-band .phone-link{color:#fff;text-decoration:none;font-size:1.15rem;font-weight:900}.foot-brand{display:flex;align-items:center;gap:12px}.foot-brand img{width:50px;height:50px;object-fit:contain}.subhero{padding:88px 0;color:#fff;background-size:cover;background-position:center}.subhero h1{color:#fff;max-width:820px}.subhero .lead{color:rgba(255,255,255,.9)}.services-hero{background-image:linear-gradient(90deg,rgba(7,60,40,.92),rgba(7,60,40,.55)),url('https://images.unsplash.com/photo-1556740749-887f6717d7e4?auto=format&fit=crop&w=1800&q=84')}.personal-hero{background-image:linear-gradient(90deg,rgba(7,60,40,.92),rgba(7,60,40,.52)),url('https://images.unsplash.com/photo-1609220136736-443140cffec6?auto=format&fit=crop&w=1800&q=84')}.commercial-hero{background-image:linear-gradient(90deg,rgba(7,60,40,.92),rgba(7,60,40,.5)),url('https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=1800&q=84')}.service-page-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.service-page-grid article{display:grid;grid-template-columns:220px 1fr;border:1px solid #dce8e0;border-radius:20px;overflow:hidden;background:#fff;box-shadow:0 10px 30px rgba(10,52,35,.06)}.service-page-grid img{width:100%;height:100%;min-height:240px;object-fit:cover}.service-page-grid article>div{padding:26px}.service-page-grid h2{margin-top:0;font-size:1.7rem}.big-cloud{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.v5-hero-grid,.commercial-grid,.about-v5{grid-template-columns:1fr}.v5-copy{padding-right:0}.v5-photo{min-height:470px}.coverage-grid{grid-template-columns:repeat(2,1fr)}.compact{grid-template-columns:repeat(3,1fr)}.service-page-grid{grid-template-columns:1fr}.big-cloud{grid-template-columns:repeat(2,1fr)}.quote-band-grid{align-items:flex-start;flex-direction:column}}
@media(max-width:620px){.v5-copy{padding:58px 0}.v5-copy h1{font-size:3.25rem}.v5-photo{min-height:360px}.photo-note{display:none}.coverage .section-head{display:block}.coverage-grid,.about-points{grid-template-columns:1fr}.compact{grid-template-columns:repeat(2,1fr)}.service-page-grid article{grid-template-columns:1fr}.service-page-grid img{height:230px}.big-cloud{grid-template-columns:1fr}}

.carrier-wordmarks .carrier-tile{min-height:92px;display:flex;align-items:center;justify-content:center;gap:6px;flex-direction:column;text-align:center;background:#fff}.carrier-wordmarks strong{font-size:20px;line-height:1;font-weight:800;letter-spacing:-.02em}.carrier-wordmarks small{font-size:10px;letter-spacing:.12em;font-weight:700}.brand-progressive strong{color:#0b63ce;font-style:italic;font-size:22px}.brand-mercury strong{color:#c92127}.brand-mercury small{color:#333}.brand-plymouth strong{color:#111;font-size:18px;font-style:italic}.brand-plymouth small{color:#0b63ce}.brand-travelers strong{font-size:19px}.brand-travelers .umbrella{color:#d71920;font-size:24px;line-height:.7}.brand-hartford strong{color:#7a1730;font-size:18px}.brand-selective strong{color:#26384b;letter-spacing:.16em;font-size:17px}.brand-national strong{color:#1763a6;font-size:18px}.brand-national small{color:#f28c28}.brand-hanover strong{color:#171717;font-family:Georgia,serif;font-size:21px}.brand-hanover small{color:#333;font-family:Georgia,serif}.brand-liberty strong{color:#163f7a;font-family:Georgia,serif;font-size:20px}.brand-liberty small{color:#163f7a}.brand-farmers strong{color:#174c93;letter-spacing:.08em}.brand-farmers small{color:#d71920}.brand-rli strong{color:#1475b9;font-size:30px}.brand-usli strong{color:#184f9b;font-size:28px}

/* v7 refinements */
.market-highlights{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:30px}.market-highlights>div{background:#fff;border:1px solid #dce8e0;border-radius:18px;padding:22px;box-shadow:0 10px 28px rgba(10,52,35,.06);text-align:left}.market-highlights b{display:block;color:var(--yu-green);font-size:1.05rem;margin-bottom:7px}.market-highlights span{color:var(--muted);font-size:.94rem;line-height:1.45}.about-feature{display:grid;grid-template-columns:.95fr 1.05fr;gap:48px;align-items:center}.about-copy h2{font-size:clamp(3rem,5vw,4.7rem);margin:8px 0 0}.about-copy h3{font-size:1.45rem;color:#1f4d83;margin:0 0 22px}.about-showcase{position:relative;min-height:470px;border-radius:28px;overflow:hidden;box-shadow:0 20px 60px rgba(10,52,35,.12)}.about-showcase img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.about-badge{position:absolute;right:22px;bottom:22px;background:rgba(244,250,247,.93);color:var(--yu-green);font:italic 1.7rem/1.18 Georgia,serif;padding:18px 22px;border-radius:18px;box-shadow:0 12px 28px rgba(10,52,35,.12)}.about-feature-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:28px}.about-feature-cards>div{background:#fff;border:1px solid #dce8e0;border-radius:16px;padding:18px}.about-feature-cards b{display:block;color:var(--yu-green);margin-bottom:8px}.about-feature-cards span{color:#53645d;font-size:.91rem;line-height:1.45}.commercial-card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.commercial-photo-card{display:block;background:#fff;border:1px solid #dce8e0;border-radius:20px;overflow:hidden;text-decoration:none;color:var(--ink);box-shadow:0 10px 30px rgba(10,52,35,.07);transition:.2s}.commercial-photo-card:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(10,52,35,.11)}.commercial-photo-card img{width:100%;height:180px;object-fit:cover;display:block}.commercial-photo-card>div{padding:17px 18px 18px}.commercial-photo-card h3{margin:0 0 8px;color:var(--yu-green);font-size:1.08rem}.commercial-photo-card span{color:#1f5f42;font-weight:800;font-size:.92rem}.commercial-hero{background-image:linear-gradient(90deg,rgba(7,60,40,.93),rgba(7,60,40,.48)),url('https://images.unsplash.com/photo-1504307651254-35680f356dfd?auto=format&fit=crop&w=1800&q=84');background-position:center 55%}
@media(max-width:980px){.market-highlights,.about-feature-cards,.commercial-card-grid{grid-template-columns:repeat(2,1fr)}.about-feature{grid-template-columns:1fr}.about-showcase{min-height:390px}}
@media(max-width:620px){.market-highlights,.about-feature-cards,.commercial-card-grid{grid-template-columns:1fr}.commercial-photo-card img{height:220px}}
/* v9 approved About Us styling */
.logo{width:72px;height:72px}
.nav{min-height:92px}
.about-approved{background:linear-gradient(135deg,#ffffff 0%,#f4fbf7 46%,#eef8f3 100%);position:relative;overflow:hidden}
.about-approved:before{content:"";position:absolute;left:-120px;bottom:-140px;width:360px;height:360px;border:42px solid rgba(93,189,232,.16);border-radius:50%;pointer-events:none}
.about-approved .wrap{position:relative;z-index:1}
.about-approved .about-showcase{min-height:408px}
.about-approved .about-showcase img{object-position:center}
.about-approved .about-badge{right:20px;bottom:20px;background:rgba(245,252,248,.95);padding:18px 24px;font-size:1.55rem}
.about-icon-card{display:grid;grid-template-columns:44px 1fr;column-gap:12px;align-items:start}
.about-icon-card .mini-icon{grid-row:1/3;display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#eff8f2;color:#0f6a35;font-weight:900;font-size:1.3rem}
.about-icon-card b,.about-icon-card span:not(.mini-icon){grid-column:2}
@media(max-width:900px){.logo{width:64px;height:64px}.nav{min-height:84px}}

/* v10 personal photo cards + footer contact logo */
.personal-photo-section{background:#fff}.personal-card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.personal-photo-card{display:block;background:#fff;border:1px solid #dce8e0;border-radius:20px;overflow:hidden;text-decoration:none;color:var(--ink);box-shadow:0 10px 30px rgba(10,52,35,.07);transition:.2s}.personal-photo-card:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(10,52,35,.11)}.personal-photo-card img{width:100%;height:185px;object-fit:cover;display:block}.personal-photo-card>div{padding:17px 18px 18px}.personal-photo-card h3{margin:0 0 8px;color:var(--yu-green);font-size:1.08rem}.personal-photo-card span{color:#1f5f42;font-weight:800;font-size:.92rem}.contact-foot-row{display:flex;align-items:flex-start;gap:14px}.contact-foot-row img{width:62px;height:62px;object-fit:contain;background:#fff7d8;border-radius:4px}.contact-foot-row p{margin:0}.foot-brand img{width:62px;height:62px}@media(max-width:980px){.personal-card-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:620px){.personal-card-grid{grid-template-columns:1fr}.personal-photo-card img{height:220px}.contact-foot-row{flex-direction:column}}
/* v11 dynamic quote questionnaire */
.formSectionTitle{font-size:1.45rem;margin:8px 0 18px}.sectionHelp{color:var(--muted);margin:-8px 0 20px}.questionnaire{border-top:1px solid var(--line);margin-top:26px;padding-top:20px}.questionTitle{font-size:1.12rem;margin:28px 0 12px}.repeatCard{border:1px solid #dce8e0;background:#f8fbf9;border-radius:14px;padding:18px;margin:12px 0}.repeatHead{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}.repeatHead b{color:var(--yu-green)}.removeRow{border:0;background:transparent;color:#8a3b3b;font-weight:700;cursor:pointer}.addRow{margin:10px 0 4px;border:1px solid #bcd4c4;background:#fff;color:var(--yu-green);border-radius:9px;padding:9px 13px;font-weight:800;cursor:pointer}.checkLabel{flex-direction:row!important;align-items:center;gap:9px!important;border:1px solid #dce8e0;border-radius:10px;padding:12px;background:#fbfdfc}.checkLabel input{width:auto}.royal{background:#4169e1;color:#fff}

/* v12 quote questionnaire refinements */
.incidentsWrap{display:grid;gap:12px;margin:12px 0}.incidentCard{border:1px dashed #b9d4c3;border-radius:14px;padding:14px;background:#fbfefc}.questionnaire{margin-top:28px}.questionnaire+.questionnaire{margin-top:18px}.questionTitle{margin-top:26px;margin-bottom:10px}.repeatCard{margin-bottom:14px}


/* v15 secure-form UX */
.hp-field{position:absolute!important;left:-10000px!important;top:auto!important;width:1px!important;height:1px!important;overflow:hidden!important}
.consentRow{display:flex!important;align-items:flex-start;gap:10px;margin:18px 0;color:#334b40;font-size:.9rem;line-height:1.45}
.consentRow input{width:18px;height:18px;min-width:18px;margin-top:2px}
.secureNote{background:#f3f8f5;border:1px solid #d6e6dc;border-radius:10px;padding:12px 14px}
.formStatus{margin-top:14px;padding:0;border-radius:10px;font-weight:700;line-height:1.45}
.formStatus.success{padding:13px 14px;background:#e8f6ed;border:1px solid #b9dfc6;color:#145c2f}
.formStatus.error{padding:13px 14px;background:#fff1f1;border:1px solid #efc2c2;color:#8b2020}
.fullBtn:disabled{opacity:.65;cursor:not-allowed}

.langButton{cursor:pointer;white-space:nowrap}.topMeta #lang{cursor:pointer}


/* ===== Larger shared header for Personal / Commercial / Other Services pages ===== */
nav .nav{
  min-height:108px;
}
nav .brand{
  gap:16px;
}
nav .brand .logo{
  width:94px;
  height:94px;
}
nav .brand b{
  font-size:1.28rem;
  line-height:1.05;
}
nav .brand small{
  font-size:.9rem;
  margin-top:3px;
}
nav .links{
  gap:22px;
}
nav .links > a:not(.btn){
  font-size:1rem;
}
nav .links .btn{
  padding:12px 20px;
  font-size:.98rem;
}

@media(max-width:900px){
  nav .nav{min-height:94px}
  nav .brand .logo{width:78px;height:78px}
  nav .brand b{font-size:1.12rem}
  nav .brand small{font-size:.82rem}
  nav .links{top:94px}
}
@media(max-width:620px){
  nav .nav{min-height:84px}
  nav .brand .logo{width:68px;height:68px}
  nav .brand b{font-size:1rem}
  nav .brand small{font-size:.76rem}
}


/* ===== v3 corrected header: one logo only, larger horizontal brand ===== */
nav .nav{
  min-height:112px;
}
nav .brand{
  display:flex;
  align-items:center;
  text-decoration:none;
  flex:0 0 auto;
}
nav .brand .logo{
  width:330px !important;
  height:auto !important;
  max-height:96px !important;
  object-fit:contain !important;
  object-position:left center;
  display:block;
}
nav .brand span{
  display:none !important;
}
nav .links{
  gap:22px;
}
nav .links > a:not(.btn){
  font-size:1rem;
}
nav .links .btn{
  padding:12px 20px;
  font-size:.98rem;
}

@media(max-width:1100px){
  nav .brand .logo{
    width:270px !important;
    max-height:82px !important;
  }
  nav .links{gap:14px}
  nav .links > a:not(.btn){font-size:.92rem}
}
@media(max-width:900px){
  nav .nav{min-height:96px}
  nav .brand .logo{
    width:245px !important;
    max-height:78px !important;
  }
  nav .links{top:96px}
}
@media(max-width:620px){
  nav .nav{min-height:86px}
  nav .brand .logo{
    width:215px !important;
    max-width:72vw !important;
    max-height:70px !important;
  }
}