:root{--black:#080808;--black2:#101010;--gold:#c99a49;--gold2:#e6bf78;--cream:#f8f5ef;--text:#1d1d1d;--muted:#6c6c6c;--line:#e5ded3}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--text);font-family:Arial,Helvetica,sans-serif;background:#fff;line-height:1.6;overflow-x:hidden}
img{max-width:100%;display:block}
h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:500;line-height:1.1}
a{color:inherit}
.site-header{min-height:104px;background:#060606;color:#fff;display:flex;justify-content:space-between;align-items:center;padding:18px 7%;position:sticky;top:0;z-index:100;box-shadow:0 6px 28px rgba(0,0,0,.25)}
.brand{text-decoration:none;display:flex;flex-direction:column;line-height:1;flex:0 0 auto}
.brand-main{font-family:Georgia,serif;font-size:40px;letter-spacing:10px}
.brand-sub{color:var(--gold2);font-size:14px;font-weight:700;letter-spacing:2px;margin-top:4px}
.brand-tag{font-size:12px;color:#ddd;margin-top:9px;letter-spacing:.3px}
.nav{display:flex;align-items:center;justify-content:flex-end;gap:clamp(16px,2.2vw,34px);text-transform:uppercase;font-size:13px;font-weight:700;white-space:nowrap}
.nav a{text-decoration:none;padding:8px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a:first-child{border-color:var(--gold)}
.hero{min-height:680px;background:linear-gradient(90deg,#060606 0%,#0d0d0d 44%,#fff 100%);display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);position:relative;overflow:hidden}
.hero-content{padding:84px 24px 54px 7vw;color:#fff;z-index:2;max-width:700px;align-self:center}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,0,0,.96),rgba(0,0,0,.82) 46%,rgba(0,0,0,.08) 74%,rgba(0,0,0,0));z-index:1;pointer-events:none}
.hero h1{font-size:clamp(42px,4.1vw,57px);margin:10px 0 20px}
.eyebrow{text-transform:uppercase;color:var(--gold);font-weight:800;font-size:13px;letter-spacing:3px;margin:0 0 10px}
.gold-line{width:96px;height:3px;background:var(--gold);margin:24px 0}
.hero-text{font-size:18px;max-width:540px}
.button-row,.cta-buttons{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:58px;padding:0 28px;border-radius:2px;text-decoration:none;text-transform:uppercase;font-size:13px;font-weight:900;letter-spacing:.5px;transition:.2s ease;text-align:center}
.btn-gold{background:linear-gradient(135deg,#e5b66a,#bd8436);color:#050505}
.btn-outline{border:1px solid rgba(255,255,255,.85);color:#fff;background:rgba(255,255,255,.03)}
.btn:hover{transform:translateY(-2px)}
.hero-bullets{display:flex;gap:28px;flex-wrap:wrap;margin-top:32px;font-size:13px;font-weight:700}
.hero-bullets span{color:#f3eee7;white-space:nowrap}
.hero-image-wrap{position:relative;z-index:0;display:flex;align-items:flex-end;justify-content:center;min-width:0;padding:24px 2vw 0;background:linear-gradient(90deg,rgba(255,255,255,0),#fff 28%)}
.hero-image-wrap img{width:min(100%,650px);height:auto;max-height:680px;object-fit:contain;object-position:center bottom;filter:saturate(1.02);image-rendering:auto}
.service-strip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));padding:50px 7%;background:#fff;border-bottom:1px solid var(--line)}
.service-card{display:grid;grid-template-columns:70px minmax(0,1fr);grid-template-rows:auto auto;column-gap:18px;align-items:start;padding:10px clamp(20px,3vw,44px);border-right:1px solid var(--line)}
.service-card:last-child{border-right:0}
.service-card .icon{grid-column:1;grid-row:1 / span 2}
.service-card h2{grid-column:2;grid-row:1;font-family:Arial,Helvetica,sans-serif;font-weight:800;font-size:22px;margin:0 0 12px}
.service-card p{grid-column:2;grid-row:2;margin:0;color:#444;max-width:34ch}
.icon{font-size:62px;color:var(--gold);line-height:1}
.why{padding:72px 7%;text-align:center;background:#fff}
.center{text-align:center}
.center-line{margin:18px auto 36px}
.why h2,.carriers h2,.faq h2{font-size:38px;margin:0}
.why-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:42px;text-align:left;margin-top:36px}
.why-grid article{display:grid;grid-template-columns:76px minmax(0,1fr);gap:18px;align-items:start}
.circle-icon{width:66px;height:66px;border-radius:50%;background:#eee8dd;display:flex;align-items:center;justify-content:center;font-size:26px;color:#111}
.why-grid h3,.faq h3{font-size:17px;margin:0 0 10px}
.why-grid p,.faq p{margin:0;color:#555}
.carriers{background:linear-gradient(180deg,#faf7f1,#fff);padding:58px 7% 52px;text-align:center;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.carrier-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;margin:32px auto 18px;max-width:1080px;background:var(--line);border:1px solid var(--line)}
.carrier{min-height:96px;display:flex;align-items:center;justify-content:center;background:#fff;padding:20px;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:18px;font-weight:700;letter-spacing:.2px;color:#25221f}
.carrier-note{color:#777;margin:18px 0 0}
.about{display:grid;grid-template-columns:minmax(300px,.8fr) minmax(0,1.2fr);gap:40px;padding:64px 7%;align-items:center;background:#fff}
.about-photo{overflow:hidden;background:#f3f0ea}
.about-photo img{width:100%;height:420px;object-fit:contain;object-position:center bottom}
.about-copy h2{font-size:38px;margin:0 0 20px}
.about-copy p{font-size:17px}
.script{font-family:Georgia,serif;font-style:italic;color:var(--gold);font-size:26px!important;line-height:1.4}
.faq{padding:58px 7%;text-align:center;background:var(--cream)}
.faq-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:30px;text-align:left}
.faq-grid div{background:#fff;border:1px solid var(--line);padding:26px}
.cta{display:grid;grid-template-columns:70px minmax(0,1fr) auto;gap:24px;align-items:center;padding:34px 7%;background:linear-gradient(135deg,#060606,#151515);color:#fff;border-bottom:1px solid rgba(255,255,255,.15)}
.cta h2{font-size:34px;margin:0}
.cta p{margin:4px 0 0}
.cta-icon{width:62px;height:62px;border:2px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:28px}
.footer{background:#080808;color:#fff;display:grid;grid-template-columns:1.2fr .8fr 1.1fr .7fr;gap:40px;padding:52px 7% 24px}
.footer h3{text-transform:uppercase;font-size:13px;letter-spacing:1px}
.footer a{display:block;color:#ddd;text-decoration:none;font-size:14px;margin:5px 0}
.footer p{color:#ddd;font-size:14px;overflow-wrap:anywhere}
.footer .brand-main{font-size:40px}
.social{width:34px;height:34px;border:1px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold)!important;font-weight:700}
.copyright{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.18);padding-top:22px;color:#aaa;font-size:13px}
@media(max-width:1100px){
  .site-header{padding-left:5%;padding-right:5%}
  .brand-main{font-size:34px;letter-spacing:8px}
  .nav{gap:14px;font-size:12px}
  .hero-content{padding-left:5vw}
  .service-strip{padding-left:5%;padding-right:5%}
  .service-card{padding-left:20px;padding-right:20px}
  .cta{grid-template-columns:62px minmax(0,1fr)}
  .cta-buttons{grid-column:1/-1;justify-content:center;margin-top:4px}
}
@media(max-width:900px){
  .site-header{min-height:auto;align-items:flex-start;gap:18px}
  .nav{display:none}
  .brand-main{font-size:32px}
  .hero{grid-template-columns:1fr;min-height:auto;background:#080808}
  .hero-overlay{background:linear-gradient(180deg,rgba(0,0,0,.32),rgba(0,0,0,.88) 52%,#080808 100%)}
  .hero-image-wrap{grid-row:1;height:440px;opacity:.85;padding:0;background:#f3f0ea;align-items:flex-end}
  .hero-image-wrap img{height:100%;width:100%;max-width:none;max-height:none;object-fit:contain;object-position:center bottom}
  .hero-content{grid-row:1;padding:70px 6% 42px;align-self:end;max-width:760px}
  .hero h1{font-size:42px}
  .service-strip{grid-template-columns:1fr;padding-top:28px;padding-bottom:28px}
  .service-card{border-right:0;border-bottom:1px solid var(--line);padding:24px 0;grid-template-columns:70px minmax(0,1fr)}
  .service-card:last-child{border-bottom:0}
  .why-grid,.faq-grid{grid-template-columns:1fr;max-width:680px;margin-left:auto;margin-right:auto}
  .carrier-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .about{grid-template-columns:1fr;max-width:760px;margin:0 auto}
  .about-photo img{height:auto;max-height:520px}
  .cta{grid-template-columns:1fr;text-align:center}
  .cta-icon{margin:auto}
  .cta-buttons,.button-row{justify-content:center}
  .footer{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:600px){
  .site-header{padding:14px 5%}
  .brand-main{font-size:28px;letter-spacing:7px}
  .brand-sub{font-size:12px}
  .brand-tag{font-size:11px}
  .hero-image-wrap{height:390px}
  .hero-content{padding:48px 5% 32px}
  .hero h1{font-size:clamp(32px,9vw,38px)}
  .hero-text{font-size:16px}
  .btn{width:100%;padding:0 16px}
  .hero-bullets{gap:10px;display:grid}
  .hero-bullets span{white-space:normal}
  .service-strip,.why,.carriers,.about,.faq,.cta,.footer{padding-left:5%;padding-right:5%}
  .service-card{grid-template-columns:52px minmax(0,1fr);column-gap:14px}
  .icon{font-size:48px}
  .carrier-grid{grid-template-columns:1fr}
  .carrier{min-height:82px;font-size:16px}
  .why h2,.carriers h2,.faq h2,.about-copy h2{font-size:30px}
  .why-grid article{grid-template-columns:66px minmax(0,1fr);text-align:left}
  .circle-icon{margin:0}
  .footer{grid-template-columns:1fr;text-align:left}
}

/* Keep the Why Work With Me text in the full text column. */
.why-grid article{
  grid-template-rows:auto auto;
  column-gap:18px;
  row-gap:0;
}
.why-grid article .circle-icon{
  grid-column:1;
  grid-row:1 / span 2;
}
.why-grid article h3{
  grid-column:2;
  grid-row:1;
}
.why-grid article p{
  grid-column:2;
  grid-row:2;
  max-width:36ch;
}



/* Carrier names styled with brand-inspired colors. No external logo files are required. */
.carrier{
  position:relative;
  overflow:hidden;
  background:#fff;
  border:0;
}
.carrier::before{
  content:"";
  position:absolute;
  left:0;
  top:0;
  bottom:0;
  width:6px;
  background:currentColor;
  opacity:.95;
}
.carrier span{
  display:inline-block;
  line-height:1.15;
}
.carrier-mutual{color:#003a70}
.carrier-uhc{color:#002677}
.carrier-allstate{color:#004b8d}
.carrier-medical-mutual{color:#007f86}
.carrier-americo{color:#b5202e}
.carrier-aetna{color:#7f2a90}
.carrier-banner{color:#143b73}
.carrier-foresters{color:#007a4d}
.carrier-ethos{color:#154734}
.carrier-american-amicable{color:#b21f2d}
.carrier-transamerica{color:#005a9c}

.carrier-mutual span,
.carrier-banner span,
.carrier-foresters span{font-family:Georgia,'Times New Roman',serif;font-weight:700}
.carrier-uhc span,
.carrier-allstate span,
.carrier-aetna span,
.carrier-ethos span,
.carrier-transamerica span{font-weight:800}
.carrier-americo span,
.carrier-american-amicable span{text-transform:uppercase;letter-spacing:.5px;font-size:.92em}