@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.sr-only{clip-path:inset(50%);white-space:nowrap;border-width:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.start{inset-inline-start:var(--spacing)}.container{width:100%}@media (min-width:40rem){.container{max-width:40rem}}@media (min-width:48rem){.container{max-width:48rem}}@media (min-width:64rem){.container{max-width:64rem}}@media (min-width:80rem){.container{max-width:80rem}}@media (min-width:96rem){.container{max-width:96rem}}.table{display:table}}@keyframes review-arrive{to{opacity:1;transform:translateY(0)}}.review-card{opacity:0;animation:.65s cubic-bezier(.2,.7,.2,1) forwards review-arrive;transform:translateY(30px)}.home-quote-actions{justify-content:center;align-items:center;gap:14px;display:flex}@media (max-width:520px){.home-quote-actions{grid-template-columns:1fr 1fr;display:grid}.home-quote-actions .btn{width:100%;min-width:0}}.footer-contact .btn{width:100%;display:flex}:root{--navy:#0b376f;--blue:#1359a6;--red:#d33232;--ink:#152130;--muted:#5d6875;--cream:#f5f3ed;--soft:#eef4f8;--white:#fff;--line:#dce3e8;--shadow:0 18px 55px #0e29461f;--serif:Georgia,"Times New Roman",serif;--sans:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);font-family:var(--sans);background:#fff;margin:0;line-height:1.65}a{color:inherit}img{max-width:100%;height:auto;display:block}button,input,select,textarea{font:inherit}.container{width:min(1160px,100% - 40px);margin-inline:auto}.narrow{max-width:850px}.section{padding:110px 0}.skip-link{z-index:100;background:var(--navy);color:#fff;padding:12px 18px;position:fixed;top:-60px;left:20px}.skip-link:focus{top:12px}.site-header{-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);z-index:50;background:#fffffff5;border-bottom:1px solid #0b376f1a;height:92px;position:sticky;top:0}.header-inner{align-items:center;gap:34px;height:100%;display:flex}.brand{flex:none;width:210px}.brand img{width:100%}.desktop-nav{align-items:center;gap:28px;margin-left:auto;display:flex}.desktop-nav>a,.nav-dropdown>button{cursor:pointer;background:0 0;border:0;padding:32px 0;font-size:14px;font-weight:700;text-decoration:none}.desktop-nav>a:hover,.nav-dropdown>button:hover{color:var(--blue)}.nav-dropdown{position:relative}.dropdown-menu{width:250px;box-shadow:var(--shadow);border:1px solid var(--line);background:#fff;border-radius:10px;padding:12px;display:none;position:absolute;top:74px;left:-20px}.nav-dropdown:hover .dropdown-menu,.nav-dropdown:focus-within .dropdown-menu{display:grid}.dropdown-menu a{border-radius:6px;padding:10px 12px;font-size:14px;text-decoration:none}.dropdown-menu a:hover{background:var(--soft);color:var(--blue)}.header-actions{align-items:center;gap:16px;display:flex}.phone-link{color:var(--navy);font-weight:800;text-decoration:none}.btn{letter-spacing:.02em;cursor:pointer;border:2px solid #0000;border-radius:4px;justify-content:center;align-items:center;min-height:52px;padding:0 24px;font-size:14px;font-weight:800;text-decoration:none;transition:transform .2s,background .2s,color .2s;display:inline-flex}.btn:hover{transform:translateY(-2px)}.btn:focus-visible,a:focus-visible,summary:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline-offset:3px;outline:3px solid #f0ae2f}.btn-primary{background:var(--red);color:#fff}.btn-primary:hover{background:#b92727}.btn-small{min-height:44px;padding:0 18px}.btn-ghost{border-color:var(--navy);color:var(--navy)}.btn-ghost:hover{background:var(--navy);color:#fff}.btn-white{color:var(--navy);background:#fff}.btn-outline-light{color:#fff;border-color:#ffffff8c}.btn-outline-light:hover{color:var(--navy);background:#fff}.menu-button,.mobile-nav{display:none}.hero{background:linear-gradient(120deg,#f7f6f2 0%,#f5f7fa 65%,#e8f0f7 100%);min-height:720px;position:relative;overflow:hidden}.hero:after{content:"";background:linear-gradient(90deg,var(--red) 0 20%,var(--navy) 20% 100%);height:8px;position:absolute;inset:auto 0 0}.mountain-lines{opacity:.12;background:linear-gradient(135deg,transparent 48%,var(--navy) 49% 50%,transparent 51%) 0 160px/230px 230px,linear-gradient(45deg,transparent 48%,var(--navy) 49% 50%,transparent 51%) 115px 160px/230px 230px;width:62%;height:80%;position:absolute;top:5%;right:-4%}.hero-grid{grid-template-columns:1.05fr .95fr;align-items:center;gap:70px;min-height:720px;display:grid}.hero-copy{z-index:2;padding:70px 0;position:relative}.eyebrow{text-transform:uppercase;color:var(--blue);letter-spacing:.15em;margin:0 0 18px;font-size:12px;font-weight:900}.eyebrow.light{color:#bcd6f0}.hero h1,.page-hero h1,.contact-page h1,.not-found h1{font-family:var(--serif);letter-spacing:-.04em;color:#112c4b;margin:0 0 26px;font-size:clamp(50px,5.4vw,78px);font-weight:600;line-height:1.02}.hero h1 em{color:var(--red);font-weight:500}.hero-lede{color:#465667;max-width:680px;font-size:19px;line-height:1.7}.hero-actions,.cta-actions{flex-wrap:wrap;gap:14px;margin-top:34px;display:flex}.trust-row{text-transform:uppercase;letter-spacing:.08em;color:#526071;gap:22px;margin-top:38px;font-size:12px;font-weight:800;display:flex}.trust-row span{align-items:center;gap:8px;display:flex}.trust-row span:before{content:"";background:var(--red);border-radius:50%;width:6px;height:6px}.portrait-wrap{z-index:2;align-self:end;position:relative}.portrait-card{width:min(470px,100%);margin-left:auto;position:relative}.portrait-card>picture img{object-fit:cover;object-position:center top;filter:saturate(.92);height:600px;box-shadow:var(--shadow);border-radius:240px 240px 0 0}.portrait-card:before{content:"";border:2px solid var(--navy);z-index:-1;border-radius:250px 250px 0 0;position:absolute;inset:-18px 18px 20px -18px}.portrait-note{box-shadow:var(--shadow);background:#fff;align-items:center;gap:14px;width:300px;padding:18px 22px;display:flex;position:absolute;bottom:34px;left:-55px}.note-icon,.icon-badge{background:var(--soft);color:var(--blue);flex:none;place-items:center;width:48px;height:48px;display:grid}.portrait-note b,.portrait-note small{display:block}.portrait-note small{color:var(--muted);margin-top:2px;font-size:12px}.section-heading{margin-bottom:48px}.section-heading.split{grid-template-columns:1.4fr .6fr;align-items:end;gap:80px;display:grid}.section-heading.centered{text-align:center}.section-heading.centered p:last-child{max-width:650px;margin-inline:auto}.section h2,.cta-band h2{font-family:var(--serif);letter-spacing:-.03em;color:#112c4b;margin:0 0 22px;font-size:clamp(36px,4vw,55px);font-weight:600;line-height:1.12}.section-heading p,.lead{color:#526071;font-size:18px}.service-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.service-card{border:1px solid var(--line);background:#fff;min-height:290px;padding:32px;text-decoration:none;transition:transform .25s,box-shadow .25s,border-color .25s}.service-card:hover{box-shadow:var(--shadow);border-color:#b9cce0;transform:translateY(-6px)}.service-card:nth-child(2),.service-card:nth-child(5){margin-top:22px}.service-card h3{font-family:var(--serif);color:var(--navy);margin:22px 0 8px;font-size:25px}.service-card p{color:var(--muted);margin:0 0 22px}.text-link{color:var(--blue);font-size:14px;font-weight:900}.text-link b{color:var(--red);margin-left:5px}.text-link.standalone{margin-top:20px;display:inline-block}.why-section{background:var(--cream)}.why-grid{grid-template-columns:.8fr 1.2fr;align-items:center;gap:100px;display:grid}.why-visual{background:linear-gradient(145deg,#153d6d,#0b2748);height:640px;padding:30px;position:relative;overflow:hidden}.why-visual:before,.why-visual:after{content:"";border:2px solid #fff3;width:400px;height:400px;position:absolute;bottom:-150px;left:-200px;transform:rotate(45deg)}.why-visual:after{inset:-180px -250px auto auto}.color-block{color:#fff;border:1px solid #ffffff40;flex-direction:column;justify-content:flex-end;height:100%;padding:38px;display:flex}.color-block span{font-family:var(--serif);color:#ffffff14;font-size:170px;font-weight:700;line-height:.8}.color-block p{font-family:var(--serif);max-width:320px;font-size:30px;line-height:1.3}.check-list{margin:36px 0 0;padding:0;list-style:none}.check-list li{border-top:1px solid #d2d1cb;padding:20px 0 20px 44px;position:relative}.check-list li:before{content:"✓";color:var(--red);font-weight:900;position:absolute;top:18px;left:5px}.check-list b,.check-list span{display:block}.check-list span{color:var(--muted);font-size:14px}.agent-grid{grid-template-columns:.8fr 1.2fr;align-items:center;gap:100px;display:grid}.agent-image{background:var(--soft);position:relative}.agent-image:after{content:"";border:2px solid var(--red);z-index:-1;position:absolute;inset:20px -20px -20px 20px}.agent-image img{object-fit:cover;object-position:center top;width:100%;max-height:600px}.review-section{background:var(--navy);color:#fff}.review-section h2{color:#fff}.review-grid{grid-template-columns:.9fr 1.1fr;gap:100px;display:grid}.review-grid>div:first-child>p:not(.eyebrow){color:#d1dfed;font-size:18px}.review-list>div{border-top:1px solid #ffffff38;grid-template-columns:50px 1fr;padding:26px 0;display:grid}.review-list span{color:#8fb3d6;font-size:13px}.review-list h3{font-family:var(--serif);margin:0;font-size:24px}.review-list p{color:#bcd0e3;grid-column:2;margin:4px 0}.local-grid{grid-template-columns:1fr 1fr;align-items:start;gap:90px;display:grid}.local-grid>div:last-child,.local-grid>p{color:#526071;font-size:18px}.local-grid a{color:var(--blue);font-weight:700}.faq-section{background:var(--soft)}.faq-list details{border-top:1px solid #ccd7df}.faq-list details:last-child{border-bottom:1px solid #ccd7df}.faq-list summary{cursor:pointer;padding:24px 54px 24px 0;font-weight:800;list-style:none;position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{color:var(--red);font-size:24px;transition:transform .2s;position:absolute;top:17px;right:10px}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details p{color:var(--muted);margin:0;padding:0 50px 24px 0}.cta-band{color:#fff;background:linear-gradient(120deg,#c92d30,#a51f2b);padding:76px 0}.cta-inner{grid-template-columns:1fr auto;align-items:center;gap:60px;display:grid}.cta-band h2{color:#fff;margin-bottom:8px}.cta-band p:not(.eyebrow){color:#f5dfe0;margin:0}.cta-actions{margin:0}.site-footer{color:#dae6f0;background:#071c33;padding:80px 0 28px}.footer-grid{grid-template-columns:1.3fr 1fr 1fr 1.15fr;gap:60px;display:grid}.footer-logo{background:#fff;width:230px;padding:8px}.footer-grid h2{font-family:var(--sans);color:#fff;text-transform:uppercase;letter-spacing:.13em;font-size:13px}.footer-grid a:not(.btn),.footer-grid p{color:#b3c5d5;margin:10px 0;font-size:14px;text-decoration:none;display:block}.footer-grid a:hover{color:#fff}.footer-grid .btn{margin-top:18px}.footer-bottom{color:#849bae;border-top:1px solid #ffffff26;justify-content:space-between;gap:40px;margin-top:58px;padding-top:25px;font-size:12px;display:flex}.footer-bottom p:last-child{text-align:right;max-width:620px}.pending{font-style:italic;color:#8fa4b7!important}.breadcrumbs{padding-top:22px}.breadcrumbs ol{text-transform:uppercase;letter-spacing:.08em;margin:0;padding:0;font-size:12px;list-style:none;display:flex}.breadcrumbs li+li:before{content:"/";color:#9aa5af;padding:0 10px}.breadcrumbs a{color:var(--blue)}.page-hero{background:linear-gradient(120deg,#f7f6f2,#eef4f8);padding:65px 0 95px}.page-hero-grid{grid-template-columns:1.15fr .85fr;align-items:center;gap:90px;display:grid}.page-hero h1{font-size:clamp(46px,5vw,70px)}.page-hero-art{background:var(--navy);color:#fff;flex-direction:column;justify-content:space-between;min-height:420px;padding:50px;display:flex;position:relative;overflow:hidden}.page-hero-art:after{content:"";border:1px solid #ffffff38;width:360px;height:360px;position:absolute;bottom:-200px;right:-220px;transform:rotate(45deg)}.large-icon{width:78px;height:78px;color:var(--red);background:#fff;place-items:center;display:grid}.large-icon svg{width:42px;height:42px}.page-hero-art p{font-family:var(--serif);font-size:28px;line-height:1.45}.content-grid,.story-grid{grid-template-columns:.85fr 1.15fr;gap:100px;display:grid}.content-grid>div:first-child>p:last-child{color:var(--muted)}.number-list>div{border-top:1px solid var(--line);grid-template-columns:54px 1fr;align-items:center;padding:18px 0;display:grid}.number-list span{color:var(--red);font-size:13px;font-weight:900}.number-list p{margin:0;font-size:18px;font-weight:700}.soft-section{background:var(--cream)}.fit-grid{background:#d8d6cf;grid-template-columns:repeat(4,1fr);gap:1px;display:grid}.fit-grid>div{background:var(--cream);padding:32px}.fit-grid span,.values-grid span{color:var(--red);font-size:12px;font-weight:900}.fit-grid p{font-family:var(--serif);font-size:21px;line-height:1.4}.related-grid{grid-template-columns:1fr 1fr;gap:100px;display:grid}.related-link{border-top:1px solid var(--line);color:var(--navy);grid-template-columns:40px 1fr 20px;align-items:center;gap:16px;padding:20px 0;text-decoration:none;display:grid}.related-link small{color:var(--muted);font-size:12px;font-weight:400;display:block}.related-link:hover b{color:var(--red);transform:translate(4px)}.service-local{background:var(--soft)}.about-photo{background:#fff;height:520px;overflow:hidden}.about-photo img{object-fit:cover;object-position:center top;width:100%;height:100%}.story-grid p{color:var(--muted)}.values-grid{grid-template-columns:repeat(4,1fr);gap:32px;display:grid}.values-grid h3{font-family:var(--serif);color:var(--navy);font-size:24px}.values-grid p{color:var(--muted)}.contact-page{padding-top:65px}.contact-grid{grid-template-columns:.8fr 1.2fr;align-items:start;gap:90px;display:grid}.contact-page h1{font-size:clamp(43px,4.4vw,64px)}.contact-details{margin:40px 0}.contact-details>div{border-top:1px solid var(--line);padding:16px 0}.contact-details p{margin:2px 0}.contact-details small{color:var(--muted)}.privacy-callout{background:var(--soft);padding:22px}.privacy-callout p{margin-bottom:0;font-size:13px}.contact-form{border-top:5px solid var(--navy);background:#f7f8fa;padding:42px}.form-row{grid-template-columns:1fr 1fr;gap:20px;display:grid}.contact-form label{margin-bottom:19px;font-size:13px;font-weight:800;display:block}.contact-form label>span,.contact-form .consent b{color:var(--red)}.contact-form input,.contact-form select,.contact-form textarea{background:#fff;border:1px solid #bdc8d2;border-radius:2px;width:100%;margin-top:7px;padding:13px}.contact-form textarea{resize:vertical}.consent{align-items:flex-start;gap:10px;font-weight:500!important;display:flex!important}.consent input{width:18px;margin-top:4px}.form-note{color:var(--muted);font-size:11px}.form-status.error{color:#a51f2b;font-weight:700}.form-status.success{color:#176b43;font-weight:700}.hp{position:absolute;left:-9999px}.legal{max-width:820px;padding-top:70px;padding-bottom:110px}.legal h1{font-family:var(--serif);color:var(--navy);margin:0;font-size:60px;line-height:1.1}.legal h2{font-family:var(--serif);color:var(--navy);margin-top:44px;font-size:30px}.legal p{color:#4f5d6c}.updated{margin-bottom:50px;font-size:13px}.not-found{text-align:center;background:var(--soft);place-items:center;min-height:650px;display:grid}.not-found .container{max-width:720px}.error-code{font-family:var(--serif);color:#d5e1eb;margin:0;font-size:120px;line-height:.8}.not-found .hero-actions{justify-content:center}@media (max-width:1050px){.desktop-nav,.header-actions .phone-link{display:none}.header-actions{margin-left:auto}.menu-button{border:1px solid var(--line);background:0 0;place-content:center;gap:5px;width:46px;height:44px;display:grid}.menu-button span{background:var(--navy);width:22px;height:2px;display:block}.mobile-nav{box-shadow:var(--shadow);background:#fff;max-height:calc(100vh - 92px);padding:16px 20px 28px;display:none;position:absolute;top:92px;left:0;right:0;overflow:auto}.mobile-nav.open{display:grid}.mobile-nav a{border-bottom:1px solid var(--line);padding:12px 8px;font-weight:700;text-decoration:none}.hero-grid{gap:35px}.portrait-note{left:-20px}.why-grid,.agent-grid{gap:60px}.footer-grid{grid-template-columns:1.2fr 1fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}.page-hero-grid,.contact-grid{gap:50px}}@media (max-width:780px){.container{width:min(100% - 28px,1160px)}.section{padding:75px 0}.site-header{height:78px}.brand{width:170px}.mobile-nav{top:78px}.header-actions{display:none}.hero-grid,.page-hero-grid{grid-template-columns:1fr}.hero-grid{padding-top:35px}.hero-copy{padding:30px 0}.hero h1,.page-hero h1,.contact-page h1{font-size:45px}.portrait-wrap{width:90%;margin:0 auto}.portrait-card{margin:auto}.portrait-card>picture img{height:470px}.portrait-note{width:260px;left:-5%}.trust-row{flex-wrap:wrap}.section-heading.split,.why-grid,.agent-grid,.review-grid,.local-grid,.content-grid,.story-grid,.related-grid,.contact-grid,.cta-inner{grid-template-columns:1fr;gap:42px}.service-grid{grid-template-columns:1fr 1fr}.service-card:nth-child(2),.service-card:nth-child(5){margin-top:0}.why-visual{height:420px}.agent-image{max-width:500px}.review-grid{gap:55px}.cta-actions{margin-top:20px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:last-child{grid-column:auto}.footer-bottom{display:block}.footer-bottom p:last-child{text-align:left}.page-hero-art{min-height:300px}.page-hero{padding-bottom:65px}.fit-grid,.values-grid{grid-template-columns:1fr 1fr}.form-row{grid-template-columns:1fr}.contact-form{padding:26px}.about-photo{height:450px}}@media (max-width:520px){.section{padding:62px 0}.hero h1,.page-hero h1,.contact-page h1,.not-found h1{font-size:39px}.hero-lede{font-size:17px}.hero-actions{display:grid}.hero-actions .btn{width:100%}.portrait-card>picture img{height:400px}.portrait-note{width:100%;position:relative;bottom:auto;left:auto}.service-grid,.fit-grid,.values-grid,.footer-grid{grid-template-columns:1fr}.service-card{min-height:auto}.section h2,.cta-band h2{font-size:36px}.why-visual{height:350px}.color-block span{font-size:110px}.color-block p{font-size:24px}.agent-grid{gap:45px}.review-list>div{grid-template-columns:35px 1fr}.cta-band{text-align:center}.cta-actions{display:grid}.footer-grid>div:last-child{grid-column:auto}.page-hero-art{padding:32px}.related-grid{gap:70px}.legal h1{font-size:46px}.error-code{font-size:90px}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}.wide-menu{width:330px}.mobile-nav .mobile-sub-link{color:var(--muted);padding-left:28px;font-size:13px}.category-card-grid{grid-template-columns:repeat(2,1fr);gap:20px;display:grid}.category-card,.blog-card{border:1px solid var(--line);border-top:5px solid var(--navy);background:#fff;flex-direction:column;padding:34px;text-decoration:none;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex}.category-card{min-height:310px}.category-card:hover,.blog-card:hover{box-shadow:var(--shadow);border-top-color:var(--red);transform:translateY(-5px)}.category-card>span,.blog-card>span:first-child{color:var(--red);font-size:12px;font-weight:900}.category-card h2,.blog-card h2{font-family:var(--serif);color:var(--navy);margin:18px 0 12px;font-size:28px;line-height:1.2}.category-card p{color:var(--muted);margin:0 0 24px}.category-card b,.blog-card b{color:var(--blue);margin-top:auto;font-size:14px}.business-category-grid{grid-template-columns:1fr 1fr;align-items:center;gap:80px;display:grid}.featured-category{background:var(--soft)}.detail-closing{text-align:center}.detail-closing .lead{margin-bottom:30px}.blog-grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.blog-card{min-height:300px}.blog-card>p{text-transform:uppercase;letter-spacing:.12em;color:var(--blue);margin:18px 0 0;font-size:11px;font-weight:900}.blog-card:nth-child(4),.blog-card:nth-child(5){grid-column:span 1}.category-hero .page-hero-art,.blog-hero .page-hero-art,.editorial-hero .page-hero-art{background:linear-gradient(145deg,#153d6d,#071c33)}@media (max-width:1050px){.desktop-nav{gap:18px}.desktop-nav>a,.nav-dropdown>button{font-size:13px}}@media (max-width:780px){.category-card-grid,.business-category-grid{grid-template-columns:1fr}.business-category-grid{gap:42px}.blog-grid{grid-template-columns:1fr 1fr}}@media (max-width:520px){.category-card-grid,.blog-grid{grid-template-columns:1fr}.category-card,.blog-card{min-height:auto;padding:26px 22px}}.article-header{background:linear-gradient(120deg,#f7f6f2,#eef4f8);padding:75px 0 85px}.article-header h1{font-family:var(--serif);letter-spacing:-.04em;color:var(--navy);margin:0 0 24px;font-size:clamp(44px,5.5vw,72px);font-weight:600;line-height:1.06}.article-layout{grid-template-columns:minmax(0,1fr) 310px;align-items:start;gap:90px;padding-top:90px;padding-bottom:110px;display:grid}.article-body{max-width:760px}.article-body section{border-bottom:1px solid var(--line);margin-bottom:44px;padding-bottom:44px}.article-body h2{font-family:var(--serif);color:var(--navy);margin:0 0 18px;font-size:34px;line-height:1.2}.article-body p,.article-body li{color:#465667;font-size:17px}.article-body li{margin-bottom:12px}.article-body ul{padding-left:24px}.article-aside{background:var(--soft);border-top:5px solid var(--red);padding:30px;position:sticky;top:120px}.article-aside h2{font-family:var(--serif);color:var(--navy);font-size:28px;line-height:1.2}.article-aside .btn{width:100%;margin-top:12px}.article-disclaimer{border-left:4px solid var(--navy);background:#f7f8fa;padding:20px 24px}.article-disclaimer p{margin-bottom:0;font-size:13px}@media (max-width:900px){.article-layout{grid-template-columns:1fr;gap:45px}.article-aside{position:static}}@media (max-width:520px){.article-header{padding:55px 0 65px}.article-header h1{font-size:40px}.article-layout{padding-top:60px;padding-bottom:75px}.article-body h2{font-size:29px}}.footer-map{background:#fff;border:1px solid #ffffff38;width:100%;max-width:300px;margin-top:18px;overflow:hidden}.footer-map iframe{border:0;width:100%;height:190px;display:block}.google-review-footer{white-space:nowrap;flex:none;align-self:center}.google-review-inline{margin-top:22px}.facebook-button{width:max-content;margin-top:12px;display:flex}@media (max-width:1050px){.footer-bottom{flex-wrap:wrap}.google-review-footer{margin-left:auto}}@media (max-width:780px){.google-review-footer{width:100%;margin:20px 0 0}}@media (max-width:520px){.footer-map{max-width:none}.footer-map iframe{height:220px}.google-review-inline,.facebook-button{width:100%}}.home-quote-banner{background:var(--navy);text-align:center;padding:18px 0}.home-quote-banner .btn{min-width:220px}.quote-page{background:linear-gradient(135deg,#fff 0%,#f5f7fa 100%);min-height:680px;padding:58px 0 110px}.quote-page h1{font-family:var(--serif);letter-spacing:-.04em;color:var(--navy);margin:0 0 20px;font-size:clamp(48px,6vw,72px);font-weight:600;line-height:1.05}.quote-shell>.section-heading{margin-bottom:42px}.quote-option-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.quote-option{border:1px solid var(--line);border-top:5px solid var(--navy);background:#fff;flex-direction:column;min-height:270px;padding:32px 28px;text-decoration:none;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex;box-shadow:0 10px 30px #0a2a4e0f}.quote-option:hover{box-shadow:var(--shadow);border-top-color:var(--red);transform:translateY(-5px)}.quote-option h2{font-family:var(--serif);color:var(--navy);margin:0 0 14px;font-size:28px;line-height:1.18}.quote-option p{color:var(--muted);margin:0 0 24px}.quote-option span{color:var(--blue);margin-top:auto;font-size:14px;font-weight:900}.quote-option b{color:var(--red);margin-left:5px}.other-quote{background:var(--soft);border-left:5px solid var(--red);justify-content:space-between;align-items:center;gap:32px;margin-top:20px;padding:28px 32px;display:flex}.other-quote p{color:#4d5d6d;margin:0}.other-quote strong{color:var(--navy);font-family:var(--serif);font-size:22px;display:block}.quote-note{text-align:center;color:var(--muted);max-width:680px;margin:28px auto 0;font-size:12px}@media (max-width:780px){.quote-option-grid{grid-template-columns:1fr}.quote-option{min-height:auto}.other-quote{flex-direction:column;align-items:flex-start}.other-quote .btn{width:100%}}@media (max-width:520px){.home-quote-banner .btn{width:100%}.quote-page{padding:42px 0 75px}.quote-page h1{font-size:44px}.quote-option{padding:26px 22px}.other-quote{padding:24px 22px}}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.services-count{font-family:var(--serif);color:#ffffffeb;font-size:130px;line-height:1}.services-directory{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(3,1fr);display:grid}.directory-item{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;grid-template-columns:38px 1fr;align-items:start;gap:12px;min-height:120px;padding:26px 22px;display:grid}.directory-item span{color:var(--red);font-size:11px;font-weight:900}.directory-item h3{color:var(--navy);font-family:var(--serif);margin:0;font-size:20px;line-height:1.3}.directions-link{color:var(--blue);margin:5px 0 8px;font-size:13px;font-weight:800;display:inline-block}.contact-details small{display:block}@media (max-width:780px){.services-directory{grid-template-columns:1fr 1fr}.services-count{font-size:100px}}@media (max-width:520px){.services-directory{grid-template-columns:1fr}.directory-item{min-height:auto}}.license-box{border:1px solid var(--line);background:#fff;padding:20px 22px}.license-box span,.license-box strong{display:block}.license-box span{text-transform:uppercase;letter-spacing:.13em;color:var(--blue);font-size:11px;font-weight:900}.license-box strong{font-family:var(--serif);color:var(--navy);margin-top:4px;font-size:26px}@media (max-width:780px){.local-values-grid,.hours-grid{grid-template-columns:1fr;gap:42px}}@media (max-width:520px){.local-values-grid>div:last-child{font-size:21px}.farmers-card{padding:26px}.hours-list>div{gap:2px;display:grid}}.local-values-section{background:var(--navy);color:#fff}.local-values-section h2{color:#fff}.local-values-grid{grid-template-columns:.85fr 1.15fr;align-items:start;gap:100px;display:grid}.local-values-grid>div:last-child{font-family:var(--serif);color:#dbe8f3;font-size:25px;line-height:1.6}.local-values-grid p{margin-top:0}.hours-grid{grid-template-columns:1fr 1fr;align-items:center;gap:100px;display:grid}.hours-list{margin-top:34px}.hours-list>div{border-top:1px solid var(--line);justify-content:space-between;gap:24px;padding:17px 0;display:flex}.hours-list span{color:var(--muted)}.farmers-card{background:var(--soft);border-top:5px solid var(--navy);padding:38px}.farmers-card h3{font-family:var(--serif);color:var(--navy);margin:0 0 8px;font-size:28px}.farmers-card p{color:var(--muted)}.farmers-card .license-text{color:var(--navy);margin:18px 0 0;font-size:14px;font-weight:800}@media (max-width:780px){.local-values-grid,.hours-grid{grid-template-columns:1fr;gap:42px}}@media (max-width:520px){.local-values-grid>div:last-child{font-size:21px}.farmers-card{padding:26px}.hours-list>div{gap:2px;display:grid}}.why-section .color-block>span{font-size:96px}.office-photo{z-index:1;margin:20px 0 24px;display:block;position:relative}.office-photo img{aspect-ratio:4/3;object-fit:cover;border:1px solid #ffffff59;width:100%;height:auto;display:block;box-shadow:0 16px 34px #00000038}.why-section .color-block>p{max-width:360px;margin:0}@media (max-width:780px){.office-photo{margin:16px 0 20px}}.reviews-hero{background:linear-gradient(120deg,#f7f6f2,#eaf1f7);padding:64px 0 96px}.reviews-hero-grid{grid-template-columns:1.35fr .65fr;align-items:center;gap:90px;display:grid}.reviews-hero h1{font-family:var(--serif);letter-spacing:-.04em;color:var(--navy);margin:0 0 26px;font-size:clamp(46px,5.2vw,72px);font-weight:600;line-height:1.04}.reviews-hero .btn{margin-top:16px}.reviews-score{background:var(--navy);color:#fff;text-align:center;min-height:390px;box-shadow:var(--shadow);flex-direction:column;justify-content:center;align-items:center;padding:42px;display:flex;position:relative;overflow:hidden}.reviews-score:after{content:"";border:1px solid #ffffff2e;width:260px;height:260px;position:absolute;bottom:-150px;right:-170px;transform:rotate(45deg)}.reviews-score-number{font-family:var(--serif);font-size:112px;line-height:.9}.reviews-stars,.review-card-stars{color:#f1b84b;letter-spacing:.14em}.reviews-score .reviews-stars{margin:20px 0 10px;font-size:23px}.reviews-score strong,.reviews-score small{display:block}.reviews-score small{color:#b9cad9;margin-top:6px}.reviews-section{background:#fff}.reviews-card-grid{grid-template-columns:repeat(6,1fr);gap:18px;display:grid}.review-card{background:var(--soft);border-top:4px solid var(--navy);flex-direction:column;grid-column:span 2;min-height:310px;margin:0;padding:32px;display:flex}.review-card:nth-child(4){grid-column:2/span 2}.review-card>span{color:var(--red);font-size:12px;font-weight:900}.review-card-stars{margin-top:26px;font-size:15px}.review-card blockquote{font-family:var(--serif);color:var(--navy);margin:18px 0 28px;font-size:28px;line-height:1.35}.review-card figcaption{color:var(--navy);margin-top:auto;font-weight:900}.review-card figcaption small{color:var(--muted);margin-top:3px;font-weight:500;display:block}.reviews-note{border-left:4px solid var(--red);background:var(--cream);justify-content:space-between;align-items:center;gap:40px;margin-top:34px;padding:24px 28px;display:flex}.reviews-note p{max-width:760px;color:var(--muted);margin:0;font-size:13px}@media (max-width:900px){.reviews-hero-grid{grid-template-columns:1fr;gap:45px}.reviews-score{min-height:300px}.reviews-card-grid{grid-template-columns:1fr 1fr}.review-card,.review-card:nth-child(4){grid-column:auto}}@media (max-width:520px){.reviews-hero{padding:46px 0 70px}.reviews-hero h1{font-size:42px}.reviews-score{min-height:260px}.reviews-score-number{font-size:88px}.reviews-card-grid{grid-template-columns:1fr}.review-card{min-height:260px;padding:26px}.review-card blockquote{font-size:25px}.reviews-note{flex-direction:column;align-items:flex-start}}
.agent-caption{text-align:center;color:var(--navy);margin:14px 0 0;font-size:14px;font-weight:800;line-height:1.4}.homepage-agent-caption{margin-bottom:24px}.footer-service-group,.footer-subservices{display:block}.footer-subservices a{padding-left:0;font-size:14px!important}.about-photo:after{content:"Brett Dexter, Farmers Insurance Agent in Loveland CO";text-align:center;color:var(--navy);margin-top:14px;font-size:14px;font-weight:800;line-height:1.4;display:block}.footer-subheading{margin-top:28px!important}.site-footer .footer-logo{width:300px;max-width:100%}.footer-address>span:not(.sr-only){display:block}.location-mark{font-family:var(--serif);color:#ffffff24;font-size:118px;font-weight:700;line-height:.8}.location-service-grid{grid-template-columns:repeat(2,1fr);gap:20px;display:grid}.location-service-grid>a{border:1px solid var(--line);border-top:4px solid var(--navy);background:#fff;padding:30px;text-decoration:none;transition:transform .2s,box-shadow .2s;display:block}.location-service-grid>a:hover{box-shadow:var(--shadow);border-top-color:var(--red);transform:translateY(-4px)}.location-service-grid h3{font-family:var(--serif);color:var(--navy);margin:0 0 10px;font-size:26px}.location-service-grid p{color:var(--muted);margin:0}.story-grid a{color:var(--blue);font-weight:700}@media (max-width:620px){.location-service-grid{grid-template-columns:1fr}.location-mark{font-size:92px}}
