:root {
  --teal: #176273;
  --teal-dark: #0f4652;
  --teal-light: #e8f1f3;
  --navy: #1a2e4a;
  --accent: #b8893a;
  --navy-dark: #0f1d30;
  --ink: #1f2933;
  --muted: #5b6770;
  --line: #dde4e7;
  --bg: #ffffff;
  --bg-alt: #f7f6f3;
  --radius: 8px;
  --shadow: 0 2px 10px rgba(15, 29, 48, 0.06);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
}
img { max-width: 100%; display: block; }
a { color: var(--teal); }
h1, h2, h3 { font-family: "Merriweather", Georgia, serif; color: var(--navy); line-height: 1.25; margin: 0 0 .5em; }
h1 { font-size: clamp(2rem, 5vw, 3.1rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.2rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }

.container { width: min(1140px, 100% - 32px); margin-inline: auto; }
.section { padding: 80px 0; scroll-margin-top: 72px; }
.section.alt { background: var(--bg-alt); }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-head p { color: var(--muted); }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; font-weight: 700; color: var(--teal); margin-bottom: .5em; display: block; }

/* Buttons */
.btn {
  display: inline-block; padding: 14px 26px; border-radius: 6px; font-weight: 700;
  text-decoration: none; border: 2px solid transparent; cursor: pointer; font-size: 1rem;
  transition: background .2s, color .2s, transform .1s;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--accent); color: var(--navy); }
.btn-primary:hover { background: #c99c4f; }
.btn-outline { border-color: #fff; color: #fff; }
.btn-outline:hover { background: #fff; color: var(--navy); }
.btn-teal { background: var(--teal); color: #fff; }
.btn-teal:hover { background: var(--teal-dark); }

/* Top bar + header */
.topbar { background: var(--navy-dark); color: #c3cedb; font-size: .88rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }

.site-header { position: sticky; top: 0; z-index: 50; background: #fff; border-bottom: 1px solid var(--line); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; padding: 10px 0; gap: 16px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 52px; height: 52px; }
.brand-text { line-height: 1.15; }
.brand-text strong { display: block; color: var(--teal-dark); font-family: "Merriweather", Georgia, serif; font-size: 1.05rem; }
.brand-text span { color: var(--muted); font-size: .8rem; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: .95rem; }
.nav a:hover { color: var(--teal); }
.nav .btn { padding: 10px 20px; color: var(--navy); }
/* Locations dropdown */
.nav-drop { position: relative; }
.nav-drop-btn {
  background: none; border: 0; padding: 0; font: inherit; font-weight: 600; font-size: .95rem;
  color: var(--ink); cursor: pointer;
}
.nav-drop-btn:hover { color: var(--teal); }
.nav-drop-menu {
  display: none; position: absolute; top: calc(100% + 14px); left: 50%; transform: translateX(-50%);
  background: #fff; border: 1px solid var(--line); border-radius: 6px; box-shadow: var(--shadow);
  min-width: 200px; padding: 8px; z-index: 60;
}
.nav-drop-menu::before { content: ""; position: absolute; top: -16px; left: 0; right: 0; height: 16px; }
.nav-drop:hover .nav-drop-menu, .nav-drop.open .nav-drop-menu { display: block; }
.nav-drop-menu a { display: block; padding: 9px 12px; border-radius: 6px; }
.nav-drop-menu a:hover { background: var(--teal-light); }
.nav-drop-menu a[aria-current="page"] { color: var(--teal); background: var(--teal-light); }
.nav-drop-menu a.all { border-top: 1px solid var(--line); margin-top: 6px; padding-top: 12px; border-radius: 0 0 6px 6px; color: var(--muted); font-size: .88rem; }

/* Office switcher (office pages) */
.office-switcher { background: #fff; border-bottom: 1px solid var(--line); }
.office-switcher .container { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; padding: 14px 0; }
.office-switcher .label { color: var(--muted); font-size: .9rem; margin: 0 4px 0 12px; }
.office-switcher a {
  text-decoration: none; font-weight: 600; font-size: .92rem; padding: 7px 16px; border-radius: 999px;
  border: 1px solid var(--line); color: var(--ink);
}
.office-switcher a:hover { border-color: var(--teal); color: var(--teal); }
.office-switcher a[aria-current="page"] { background: var(--teal); border-color: var(--teal); color: #fff; }
.office-switcher a.home-link { border: 0; padding-left: 0; color: var(--teal); }
@media (max-width: 600px) {
  .office-switcher .label { width: 100%; margin: 4px 0 0; }
}

.nav .mobile-only { display: none; }
.menu-toggle { display: none; background: none; border: 0; font-size: 1.8rem; color: var(--teal-dark); cursor: pointer; }

/* Hero */
.hero {
  background:
    linear-gradient(120deg, rgba(15,29,48,.97) 0%, rgba(26,46,74,.94) 55%, rgba(15,70,82,.9) 100%),
    radial-gradient(circle at 85% 20%, #176273 0, transparent 55%);
  color: #fff; padding: 96px 0 104px;
}
.hero h1 { color: #fff; max-width: 760px; }
.hero p.lead { font-size: 1.2rem; max-width: 640px; color: #d5dde7; }
.hero .actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }
.hero-stats { display: flex; gap: 40px; flex-wrap: wrap; margin-top: 56px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.2); }
.hero-stats div strong { display: block; font-size: 1.9rem; font-family: "Merriweather", Georgia, serif; }
.hero-stats div span { color: #aebccd; font-size: .92rem; }

/* Coverage cards */
.grid { display: grid; gap: 24px; }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.card .icon { width: 48px; height: 48px; border-radius: 6px; background: var(--teal-light); color: var(--teal); display: grid; place-items: center; margin-bottom: 16px; }
.card .icon svg { width: 26px; height: 26px; }
.card ul { margin: 0; padding-left: 18px; color: var(--muted); }
.card li { margin-bottom: 4px; }

/* Why us */
.why { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.why-list { list-style: none; padding: 0; margin: 0; }
.why-list li { display: flex; gap: 16px; margin-bottom: 22px; }
.why-list .check { flex: 0 0 32px; height: 32px; border-radius: 50%; background: var(--teal); color: #fff; display: grid; place-items: center; font-weight: 700; }
.why-list strong { display: block; color: var(--navy); }
.why-list span { color: var(--muted); }
.why-panel { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 40px; }
.why-panel h3 { color: #fff; font-size: 1.4rem; }
.why-panel p { color: #cfe3e8; }
.promise-list { margin: 0 0 24px; padding-left: 20px; color: #cfe3e8; font-size: .95rem; }
.promise-list li { margin-bottom: 8px; }

/* About TWFG */
.about-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 48px; }
.about-stats div { background: var(--bg-alt); border: 1px solid var(--line); border-top: 3px solid var(--teal); border-radius: var(--radius); padding: 20px; text-align: center; }
.about-stats strong { display: block; font-family: "Merriweather", Georgia, serif; font-size: 1.45rem; color: var(--navy); }
.about-stats span { color: var(--muted); font-size: .88rem; }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.about-grid p { color: var(--ink); }
.tagline { font-family: "Merriweather", Georgia, serif; font-style: italic; color: var(--teal); font-size: 1.2rem; margin-top: 8px; }
@media (max-width: 860px) { .about-stats { grid-template-columns: 1fr 1fr; } .about-stats strong { font-size: 1.15rem; } .about-grid { grid-template-columns: 1fr; gap: 24px; } }

.coverage-note { text-align: center; margin: 36px auto 0; color: var(--muted); font-size: 1.05rem; }
.coverage-note a { font-weight: 700; }

/* Carriers */
.carrier-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); gap: 14px; }
.carrier-list li {
  background: var(--bg-alt); border: 1px solid var(--line); border-radius: 6px; padding: 18px 14px;
  text-align: center; font-weight: 700; color: var(--teal-dark); font-size: .98rem;
}

/* Specialty / E&S */
.specialty { background: var(--navy); color: #d5dde7; }
.specialty h2 { color: #fff; }
.specialty-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px; align-items: center; }
.specialty-callout { background: rgba(255,255,255,.08); border-left: 4px solid var(--accent); padding: 14px 18px; border-radius: 6px; color: #fff; margin: 24px 0; }
.risk-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.risk-list li {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14); border-radius: 6px;
  padding: 14px 16px 14px 40px; position: relative; color: #fff; font-weight: 600; font-size: .95rem;
}
.risk-list li::before { content: ""; position: absolute; left: 19px; top: calc(50% - 7px); width: 5px; height: 10px; border: solid var(--accent); border-width: 0 2px 2px 0; transform: rotate(45deg); }
@media (max-width: 860px) { .specialty-grid { grid-template-columns: 1fr; gap: 32px; } }
@media (max-width: 600px) { .risk-list { grid-template-columns: 1fr; } }

/* Locations */
.location h3 { margin-bottom: 4px; }
.location address { font-style: normal; color: var(--muted); margin-bottom: 14px; }
.location .phone { font-size: 1.15rem; font-weight: 700; text-decoration: none; display: inline-block; margin-bottom: 10px; }
.location .map-link { font-size: .92rem; font-weight: 600; }

/* Owners */
.owners-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.member.owner { padding: 32px 24px; box-shadow: var(--shadow); }
.member.owner .avatar { width: 112px; height: 112px; font-size: 2rem; background: var(--teal); color: #fff; }
.member.owner h3 { font-size: 1.2rem; }
@media (max-width: 1000px) { .owners-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .owners-grid { grid-template-columns: 1fr; } }

/* Office pages */
.hero-office { padding: 64px 0 72px; }
.jump-links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.jump-links a { color: #fff; border: 1px solid rgba(255,255,255,.45); border-radius: 6px; padding: 8px 16px; text-decoration: none; font-weight: 600; font-size: .95rem; }
.jump-links a:hover { background: #fff; color: var(--navy); }
.nav a[aria-current="page"] { color: var(--teal); }
.crumbs { font-size: .88rem; color: #bcd9df; margin-bottom: 18px; }
.crumbs a { color: #fff; text-decoration: none; }
.office-info { display: grid; grid-template-columns: 1fr 1.4fr; gap: 32px; align-items: stretch; }
.office-card address { font-style: normal; color: var(--muted); font-size: 1.05rem; margin-bottom: 10px; }
.office-card .phone { font-size: 1.3rem; font-weight: 700; text-decoration: none; }
.office-card h3 { margin-top: 20px; }
.hours { border-collapse: collapse; width: 100%; margin-bottom: 24px; font-size: .95rem; }
.hours th, .hours td { text-align: left; padding: 6px 0; border-bottom: 1px solid var(--line); }
.hours th { font-weight: 600; color: var(--navy); }
.hours td { color: var(--muted); text-align: right; }
.map-wrap { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); min-height: 360px; box-shadow: var(--shadow); }
.map-wrap iframe { width: 100%; height: 100%; min-height: 360px; border: 0; display: block; }
.areas { margin-top: 48px; text-align: center; }
.area-list { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.area-list li { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 8px 16px; font-weight: 600; color: var(--teal-dark); font-size: .92rem; }
.other-offices { display: flex; justify-content: center; flex-wrap: wrap; gap: 12px; margin-top: 8px; }
.other-offices a { color: #fff; border: 2px solid rgba(255,255,255,.5); border-radius: 999px; padding: 10px 22px; text-decoration: none; font-weight: 700; }
.other-offices a:hover { background: #fff; color: var(--navy); }
.privacy-note { font-weight: 600; color: var(--teal-dark) !important; display: flex; align-items: center; gap: 8px; }
.privacy-note .lock { flex: none; }
.location .hours-line { color: var(--muted); font-size: .88rem; margin-bottom: 10px; }
.location .office-link { display: inline-block; margin-top: 6px; font-weight: 700; }
@media (max-width: 860px) { .office-info { grid-template-columns: 1fr; } }

/* Team */
.team-tabs { display: flex; justify-content: center; flex-wrap: wrap; gap: 8px; margin-bottom: 36px; }
.team-tabs button {
  border: 1px solid var(--line); background: #fff; padding: 9px 18px; border-radius: 999px;
  font-weight: 600; cursor: pointer; color: var(--ink); font-size: .92rem;
}
.team-tabs button[aria-pressed="true"] { background: var(--teal); color: #fff; border-color: var(--teal); }
.team-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 20px; }
.member { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; text-align: center; }
.member .avatar {
  width: 84px; height: 84px; border-radius: 50%; margin: 0 auto 14px; background: var(--teal-light);
  color: var(--teal-dark); display: grid; place-items: center; font-weight: 700; font-size: 1.5rem;
  font-family: "Merriweather", Georgia, serif; overflow: hidden;
}
.member .avatar img { width: 100%; height: 100%; object-fit: cover; }
.member h3 { font-size: 1.05rem; margin-bottom: 2px; }
.member .role { color: var(--teal); font-weight: 600; font-size: .9rem; margin-bottom: 6px; }
.member .office { color: var(--muted); font-size: .85rem; margin-bottom: 10px; }
.member .bio { color: var(--muted); font-size: .85rem; margin-bottom: 12px; }
.member .contact { font-size: .88rem; display: flex; flex-direction: column; gap: 2px; }
.member .contact a { text-decoration: none; word-break: break-all; }
.member.partner { border-top: 4px solid var(--accent); }

/* Quote form */
.quote-wrap { display: grid; grid-template-columns: 1fr 1.3fr; gap: 48px; align-items: start; }
.quote-info p { color: var(--muted); }
.steps { list-style: none; counter-reset: step; padding: 0; margin: 28px 0 0; }
.steps li { counter-increment: step; position: relative; padding-left: 52px; margin-bottom: 22px; }
.steps li::before { content: counter(step); position: absolute; left: 0; top: 0; width: 36px; height: 36px; border-radius: 50%; background: var(--teal); color: #fff; font-weight: 700; display: grid; place-items: center; }
.steps strong { display: block; color: var(--navy); }
.steps span { color: var(--muted); font-size: .95rem; }
.quote-card { background: var(--navy); color: #d5dde7; border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow); }
.quote-card h3 { color: #fff; font-size: 1.5rem; margin-bottom: 8px; }
.quote-card > p { color: #c3cedb; }
.quote-card .btn { width: 100%; font-size: 1.1rem; padding: 16px; margin: 8px 0 18px; }
.quote-card .privacy-note { color: #cfe2e6 !important; font-size: .9rem; }
.quote-call { border-top: 1px solid rgba(255,255,255,.15); margin-top: 22px; padding-top: 18px; font-size: .92rem; }
.quote-call ul { list-style: none; padding: 0; margin: 10px 0 0; display: grid; grid-template-columns: 1fr 1fr; gap: 8px 16px; }
.quote-call li { display: flex; flex-direction: column; }
.quote-call strong { color: #fff; font-weight: 600; }
.quote-call a { color: #f3c77a; text-decoration: none; font-weight: 600; }
.quote-modal { position: fixed; inset: 0; z-index: 100; background: rgba(15,29,48,.7); display: flex; align-items: center; justify-content: center; padding: 16px; }
.quote-modal[hidden] { display: none; }
.quote-modal-box { background: #fff; border-radius: var(--radius); width: min(760px, 100%); height: min(90vh, 900px); display: flex; flex-direction: column; overflow: hidden; box-shadow: 0 20px 60px rgba(0,0,0,.35); }
.quote-modal-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 12px 16px 12px 20px; background: var(--navy); color: #fff; }
.quote-modal-head div { display: flex; align-items: center; gap: 14px; }
.quote-modal-head a { color: #cfe2e6; font-size: .85rem; }
.quote-close { background: none; border: 0; color: #fff; font-size: 1.8rem; line-height: 1; cursor: pointer; padding: 0 4px; }
.quote-modal iframe { flex: 1; width: 100%; border: 0; }
body.modal-open { overflow: hidden; }
@media (max-width: 600px) { .quote-card { padding: 28px 22px; } .quote-modal { padding: 0; } .quote-modal-box { height: 100%; border-radius: 0; } }
.form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 6px; color: var(--navy); }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1px solid #c7d2d6; border-radius: 8px; font: inherit; font-size: 1rem; background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--teal); outline-offset: 1px; border-color: var(--teal); }
.field-hint { font-size: .85rem; color: var(--muted); margin: 6px 0 0; }
.checks { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px 16px; }
.checks label { font-weight: 500; display: flex; align-items: center; gap: 8px; font-size: .95rem; color: var(--ink); }
.checks input { width: auto; }
.form .btn { width: 100%; margin-top: 8px; }
.form .fine { font-size: .8rem; color: var(--muted); margin-top: 12px; text-align: center; }
.hp { position: absolute; left: -9999px; }

/* CTA band */
.cta-band { background: var(--teal-dark); color: #fff; padding: 56px 0; text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #cfe2e6; }

/* Footer */
.site-footer { background: var(--navy-dark); color: #aebccd; padding: 56px 0 28px; font-size: .92rem; }
.site-footer h4 { color: #fff; margin: 0 0 12px; font-size: 1rem; }
.site-footer a { color: #e3e8ef; text-decoration: none; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr; gap: 32px; }
.footer-grid address { font-style: normal; }
.social a { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 40px; padding-top: 20px; font-size: .82rem; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

/* Responsive */
@media (max-width: 1000px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
  .why, .quote-wrap { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
}
@media (max-width: 1040px) {
  .menu-toggle { display: block; }
  .nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0; background: #fff;
    flex-direction: column; align-items: stretch; padding: 16px; gap: 14px; border-bottom: 1px solid var(--line);
  }
  .nav.open { display: flex; }
  .nav .mobile-only { display: block; }
  .nav-drop-btn { display: none; }
  .nav-drop-menu, .nav-drop:hover .nav-drop-menu {
    display: block; position: static; transform: none; border: 0; box-shadow: none; padding: 0; min-width: 0;
  }
  .nav-drop-menu::before { display: none; }
  .nav-drop-menu a { padding: 8px 0; }
  .nav-drop-menu a:hover, .nav-drop-menu a[aria-current="page"] { background: none; }
  .nav-drop-menu a.all { border-top: 0; margin-top: 0; padding-top: 8px; }
  .nav .btn { text-align: center; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .section { padding: 60px 0; }
  .grid-4, .grid-3, .form-row, .checks { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero { padding: 64px 0 72px; }
  .hero-stats { gap: 24px; }
  .topbar .hide-sm { display: none; }
  .brand-text span { display: none; }
}