:root{
  --tan:#C9A876;
  --cream:#FAF6ED;
  --coffee:#3E2E1E;
  --taupe:#6B5A3E;
  --border:#E8DCC3;
  --rust:#B0552E;
  --white:#FFFFFF;
  --font-display:'Archivo', sans-serif;
  --font-body:'Inter', sans-serif;
}
*{box-sizing:border-box; margin:0; padding:0;}
body{font-family:var(--font-body); background:var(--cream); color:var(--coffee); line-height:1.6; font-size:15px;}
h1,h2,h3,h4{font-family:var(--font-display); font-weight:800; color:var(--coffee);}
a{color:inherit; text-decoration:none;}
img{max-width:100%; display:block;}

/* Topbar */
.topbar{background:var(--coffee); color:var(--tan); font-size:13px; text-align:center; padding:8px 20px;}
.topbar a{color:#fff; font-weight:600; margin-left:8px;}

/* Header */
header{background:var(--tan);}
.header-inner{max-width:1200px; margin:0 auto; padding:18px 24px; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:16px;}
.logo{display:flex; align-items:center; gap:10px; font-family:var(--font-display); font-weight:900; font-size:20px; color:#fff;}
.logo img{width:32px; height:32px;}
nav{display:flex; gap:26px; flex-wrap:wrap;}
nav a{color:var(--coffee); font-size:14px; font-weight:600; opacity:0.85;}
nav a:hover, nav a.active{opacity:1; text-decoration:underline;}
.nav-cta{background:var(--coffee) !important; color:#fff !important; padding:10px 18px; font-size:13px; font-weight:700; opacity:1 !important;}
.hamburger{display:none; background:none; border:none; cursor:pointer;}
.hamburger span{display:block; width:24px; height:2px; background:var(--coffee); margin:5px 0;}

/* Breadcrumb */
.breadcrumb{max-width:1200px; margin:0 auto; padding:14px 24px; font-size:13px; color:var(--taupe);}
.breadcrumb a{color:var(--rust); font-weight:600;}
.breadcrumb span{margin:0 8px; color:#C9BBA5;}

/* Hero band (vertical hub / article pages) */
.page-hero{background:linear-gradient(160deg, var(--coffee) 0%, #2A1F14 100%); padding:48px 24px; border-bottom:3px solid var(--tan);}
.page-hero-inner{max-width:900px; margin:0 auto;}
.page-hero-tag{display:inline-block; background:rgba(255,255,255,0.12); color:var(--tan); font-size:12px; font-weight:700; padding:4px 14px; margin-bottom:14px; letter-spacing:0.02em;}
.page-hero h1{font-size:36px; color:#fff; margin-bottom:10px; line-height:1.2;}
.page-hero p{font-size:16px; color:rgba(255,255,255,0.8);}

/* Main layout */
.main-wrap{max-width:1200px; margin:0 auto; padding:0 24px; display:grid; grid-template-columns:1fr 320px; gap:40px;}
main{padding:40px 0;}
aside{padding:40px 0;}

/* Article body */
.article-meta{font-size:13px; color:var(--taupe); margin-bottom:24px; padding-bottom:16px; border-bottom:1px solid var(--border); display:flex; gap:20px; flex-wrap:wrap;}
.article-body h2{font-size:24px; margin:32px 0 14px; padding-bottom:8px; border-bottom:2px solid var(--border);}
.article-body h3{font-size:18px; margin:22px 0 10px;}
.article-body p{font-size:15px; line-height:1.85; color:var(--taupe); margin-bottom:16px;}
.article-body ul, .article-body ol{padding-left:22px; margin-bottom:16px;}
.article-body li{font-size:15px; line-height:1.8; color:var(--taupe); margin-bottom:8px;}
.article-body strong{color:var(--coffee);}

.callout{background:var(--white); border-left:4px solid var(--rust); padding:16px 20px; margin:20px 0; font-size:14px; color:var(--taupe); line-height:1.7; border-radius:0 6px 6px 0;}
.callout strong{color:var(--coffee);}

/* Provider comparison card */
.provider-card{background:var(--white); border:1.5px solid var(--border); border-radius:8px; padding:18px 20px; margin-bottom:14px;}
.provider-card .name{font-family:var(--font-display); font-size:16px; font-weight:700; color:var(--coffee); margin-bottom:4px;}
.provider-card .meta{font-size:14px; color:var(--taupe); line-height:1.7;}
.provider-card .note{font-size:13px; color:#8B7A5E; margin-top:6px;}

table.rate-table{width:100%; border-collapse:collapse; margin-bottom:28px; font-size:14px;}
table.rate-table th{background:var(--coffee); color:#fff; padding:12px 14px; text-align:left; font-size:12px; letter-spacing:0.03em; text-transform:uppercase;}
table.rate-table td{padding:12px 14px; border-bottom:1px solid var(--border); color:var(--taupe);}
table.rate-table tr:nth-child(even) td{background:var(--white);}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border); padding:16px 0;}
.faq-q{font-weight:700; color:var(--coffee); margin-bottom:8px; font-size:15px;}
.faq-a{font-size:14px; color:var(--taupe); line-height:1.7; margin:0;}

/* Sidebar widgets */
.sidebar-widget{background:var(--coffee); border-radius:10px; padding:22px; margin-bottom:20px;}
.sidebar-widget h4{color:var(--tan); font-size:16px; margin-bottom:8px;}
.sidebar-widget p{color:rgba(255,255,255,0.75); font-size:13px; margin-bottom:14px; line-height:1.6;}
.sidebar-widget .btn-block{background:var(--rust); color:#fff; padding:11px; border-radius:6px; text-align:center; font-size:13px; font-weight:700; display:block;}
.sidebar-widget.light{background:var(--white); border:1.5px solid var(--border);}
.sidebar-widget.light h4{color:var(--coffee);}
.sidebar-widget.light p{color:var(--taupe);}

.sidebar-links{background:var(--white); border:1.5px solid var(--border); border-radius:10px; padding:20px; margin-bottom:20px;}
.sidebar-links h4{font-size:14px; margin-bottom:12px; padding-bottom:10px; border-bottom:1px solid var(--border);}
.sidebar-links a{display:block; font-size:13px; color:var(--taupe); padding:6px 0; font-weight:600;}
.sidebar-links a:hover{color:var(--rust);}

/* Buttons */
.btn-primary{background:var(--rust); color:#fff; padding:14px 26px; font-weight:700; font-size:15px; border:none; display:inline-block; border-radius:6px;}
.btn-secondary{background:transparent; color:var(--coffee); padding:12px 24px; font-weight:700; font-size:14px; border:2px solid var(--coffee); display:inline-block; border-radius:6px;}

/* Vertical grid (homepage / hub) */
.vgrid{display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--border); border:1px solid var(--border);}
.vcard{background:var(--white); padding:24px 20px; transition:background .15s;}
.vcard:hover{background:var(--cream);}
.vcard-num{font-family:var(--font-display); font-size:12px; color:var(--rust); font-weight:800; margin-bottom:10px;}
.vcard h3{font-size:16px; margin-bottom:6px;}
.vcard p{font-size:13px; color:var(--taupe);}

/* Trust bar */
.trust-bar{background:var(--coffee); padding:20px 24px;}
.trust-inner{max-width:1200px; margin:0 auto; display:flex; justify-content:space-around; flex-wrap:wrap; gap:20px;}
.trust-item{color:#fff; text-align:center; font-size:14px;}
.trust-item strong{display:block; font-family:var(--font-display); font-size:24px; margin-bottom:2px; color:var(--tan);}

/* Footer */
footer{background:var(--coffee); color:#C9BBA5; padding-top:40px;}
.footer-top{max-width:1200px; margin:0 auto; padding:0 24px 32px; display:grid; grid-template-columns:2fr 1fr 1fr 1fr; gap:32px;}
.footer-brand p{font-size:13px; line-height:1.7; color:#A6987F; margin-top:10px;}
.footer-col h5{color:var(--tan); font-size:13px; margin-bottom:14px; letter-spacing:0.03em; text-transform:uppercase;}
.footer-col ul{list-style:none;}
.footer-col li{margin-bottom:9px;}
.footer-col a{font-size:13px; color:#C9BBA5;}
.footer-col a:hover{color:#fff;}
.footer-bottom{border-top:1px solid #5A452F; padding:20px 24px; max-width:1200px; margin:0 auto; display:flex; justify-content:space-between; font-size:12px; color:#A6987F; flex-wrap:wrap; gap:10px;}
.footer-legal a{margin-left:16px; color:#A6987F;}

.disclaimer{background:#2A1F14; color:#A6987F; font-size:12px; text-align:center; padding:14px 20px;}

@media(max-width:900px){
  nav{display:none;}
  .hamburger{display:block;}
  .main-wrap{grid-template-columns:1fr;}
  .vgrid{grid-template-columns:repeat(2,1fr);}
  .footer-top{grid-template-columns:1fr 1fr;}
}

/* All Services dropdown (added Sep 2026) */
.vgrid.vgrid-5{grid-template-columns:repeat(5,1fr);}
nav{align-items:center;}
.nav-dd{position:relative;}
.nav-dd-btn{background:none; border:none; cursor:pointer; font-family:var(--font-body); color:var(--coffee); font-size:14px; font-weight:600; opacity:0.85; padding:10px 0;}
.nav-dd:hover .nav-dd-btn, .nav-dd:focus-within .nav-dd-btn{opacity:1; text-decoration:underline;}
.nav-dd-menu{display:none; position:absolute; right:-120px; top:100%; z-index:60; background:var(--white); border:1.5px solid var(--border); border-top:3px solid var(--rust); border-radius:0 0 10px 10px; box-shadow:0 14px 34px rgba(62,46,30,0.18); padding:20px 22px; grid-template-columns:repeat(4, minmax(160px,1fr)); gap:22px; width:790px;}
.nav-dd:hover .nav-dd-menu, .nav-dd:focus-within .nav-dd-menu{display:grid;}
.nav-dd-col h6{font-family:var(--font-display); font-size:11px; font-weight:800; color:var(--rust); letter-spacing:0.06em; text-transform:uppercase; margin-bottom:8px;}
.nav-dd-col a{display:block; font-size:13.5px; padding:5px 0; opacity:1; color:var(--coffee);}
.nav-dd-col a:hover{color:var(--rust);}
@media(max-width:900px){
  .header-inner .logo{order:1;} .hamburger{order:2;} nav#main-nav{order:3;}
  nav#main-nav.open{display:flex; flex-direction:column; align-items:flex-start; width:100%; gap:12px; padding:8px 0 4px;}
  nav#main-nav.open .nav-dd{width:100%;}
  .vgrid.vgrid-5{grid-template-columns:repeat(2,1fr);}
  nav#main-nav.open .nav-dd-menu{display:grid; position:static; width:100%; box-shadow:none; grid-template-columns:1fr 1fr; gap:14px; margin-top:6px; border-radius:8px;}
}

/* Mobile sticky quote bar (added Sep 2026) */
.mobile-cta{display:none;}
@media(max-width:900px){
  .mobile-cta{display:block; position:fixed; left:0; right:0; bottom:0; z-index:80; background:var(--coffee); padding:10px 16px calc(10px + env(safe-area-inset-bottom)); box-shadow:0 -4px 16px rgba(62,46,30,0.25);}
  .mobile-cta a{display:block; background:var(--rust); color:#fff; text-align:center; font-weight:700; font-size:15px; padding:13px; border-radius:6px;}
  body{padding-bottom:74px;}
}

/* Desktop sticky sidebar (added Sep 2026) */
@media(min-width:901px){
  .main-wrap aside{position:sticky; top:0; align-self:start;}
}

/* Full-width layout (added Sep 2026, matches CoverMap) */
.header-inner, .breadcrumb, .main-wrap, .trust-inner, .footer-top, .footer-bottom{max-width:1440px; padding-left:40px; padding-right:40px;}
.page-hero{padding:52px 40px;}
.page-hero-inner{max-width:1440px; padding:0 40px;}
.header-inner, .footer-top, .footer-bottom{max-width:none;}
.page-hero{padding-left:0; padding-right:0;}
.main-wrap{grid-template-columns:1fr 340px; gap:48px;}
.home-wide{max-width:1440px !important; padding-left:40px !important; padding-right:40px !important;}
@media(max-width:900px){
  .header-inner, .breadcrumb, .main-wrap, .trust-inner, .footer-top, .footer-bottom, .page-hero-inner{padding-left:20px; padding-right:20px;}
  .main-wrap{grid-template-columns:1fr;}
  .home-wide{padding-left:20px !important; padding-right:20px !important;}
}

/* Bolder top menu (added Sep 2026) */
nav a, .nav-dd-btn{font-size:15.5px; font-weight:700; color:#2A1F14; opacity:1;}
nav a:hover, .nav-dd:hover .nav-dd-btn{color:var(--rust); opacity:1;}
.nav-cta{font-size:14.5px !important;}
.nav-dd-col a{font-size:14.5px; font-weight:600; color:#2A1F14;}

/* Left-aligned menu (added Sep 2026) */
@media(min-width:901px){
  .header-inner{justify-content:flex-start;}
  nav#main-nav{flex:1; margin-left:56px;}
  nav#main-nav .nav-cta{margin-left:auto;}
  .nav-dd-menu{left:auto; right:-60px;}
}
@media(min-width:1650px){ .nav-dd-menu{right:auto; left:-24px;} }

/* Menu on medium screens (added Sep 2026) */
@media(min-width:901px) and (max-width:1180px){
  .header-inner{flex-wrap:nowrap; padding-left:20px; padding-right:20px;}
  nav#main-nav{margin-left:24px; gap:16px; flex-wrap:nowrap;}
  nav a, .nav-dd-btn{font-size:14px;}
  nav#main-nav .nav-cta{padding:9px 12px; white-space:nowrap;}
  .nav-dd-menu{right:-130px; width:760px;}
}

/* Cookie consent banner (added Sep 2026) */
.cookie-banner{position:fixed; left:20px; right:20px; bottom:20px; z-index:100; max-width:760px; margin:0 auto; background:var(--coffee); color:#F2E9D8; border:1px solid var(--tan); border-radius:10px; box-shadow:0 10px 30px rgba(0,0,0,.3); padding:16px 18px; display:flex; gap:16px; align-items:center; flex-wrap:wrap;}
.cookie-banner p{flex:1 1 320px; margin:0; font-size:13.5px; line-height:1.55;}
.cookie-banner a{color:var(--tan); text-decoration:underline;}
.cookie-actions{display:flex; gap:10px;}
.cookie-actions button{font:inherit; font-size:13.5px; font-weight:700; border-radius:6px; padding:9px 14px; cursor:pointer;}
.cookie-reject{background:transparent; color:#F2E9D8; border:1.5px solid rgba(255,255,255,.5);}
.cookie-accept{background:var(--rust); color:#fff; border:1.5px solid var(--rust);}
@media(max-width:900px){ .cookie-banner{left:10px; right:10px; bottom:84px; padding:14px;} .cookie-actions{width:100%;} .cookie-actions button{flex:1;} }

/* Homepage on phones (added Sep 2026) */
@media(max-width:900px){
  div.home-wide{grid-template-columns:1fr !important; gap:32px !important;}
  div.home-wide h1{font-size:36px !important;}
  section.home-wide > div[style*="1fr 1fr 1fr"]{grid-template-columns:1fr !important; padding:28px 20px !important;}
  .footer-top[style]{grid-template-columns:1fr 1fr !important;}
  .footer-top[style] .footer-brand{grid-column:1 / -1;}
}