:root{
  --navy:#0e2a3f; --navy-2:#153a55; --sea:#2f7f86; --brass:#b98a3a; --brass-2:#d3a656;
  --ivory:#f7f3ea; --ink:#16232e; --muted:#5b6b78; --line:#e3ddd0;
}
html{scroll-behavior:smooth;scroll-padding-top:78px}
body{font-family:'Figtree',system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
h1,h2,h3,h4,.brand-name,.foot-brand{font-family:'Fraunces',Georgia,serif;letter-spacing:-.01em}
a{color:var(--sea)}

/* nav */
.site-nav{background:#fff;border-bottom:1px solid var(--line);padding:.55rem 0}
.logo-chip{background:#fff;border-radius:6px;display:inline-flex}
.logo-chip img{height:38px;width:auto}
.brand-name{font-weight:600;font-size:1.25rem;color:var(--navy)}
.site-nav .nav-link{color:var(--ink);font-weight:500;font-size:.95rem;padding:.5rem .7rem}
.site-nav .nav-link:hover{color:var(--sea)}
.btn-brass{background:var(--brass);border-color:var(--brass);color:#fff;font-weight:600}
.btn-brass:hover{background:var(--brass-2);border-color:var(--brass-2);color:#1b1408}
.btn-navy{background:var(--navy);border-color:var(--navy);color:#fff;font-weight:600}
.btn-navy:hover{background:var(--navy-2);color:#fff}
.btn-lg{padding:.8rem 1.6rem}

/* hero: split panel */
.hero{display:grid;grid-template-columns:55fr 45fr;min-height:clamp(560px,88vh,820px)}
.hero-text{background:linear-gradient(160deg,var(--navy) 0%,#123650 100%);color:#fff;display:flex;align-items:center;padding:4rem clamp(1.5rem,5vw,5rem)}
.hero-inner{max-width:600px;margin-left:auto}
.hero-eyebrow{color:var(--brass-2);text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;font-weight:700;margin-bottom:1rem}
.hero-title{font-size:clamp(2.2rem,4.4vw,3.8rem);line-height:1.08;font-weight:600;margin-bottom:1rem}
.hero-subtitle{font-family:'Fraunces',serif;font-size:clamp(1.15rem,1.8vw,1.5rem);color:#e6eef3;margin-bottom:1rem}
.hero-tagline{color:#c5d3dd;margin-bottom:2rem;max-width:520px}
.hero-photo{position:relative;overflow:hidden;background:var(--navy-2)}
.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 30%}

/* trust */
.trust{background:var(--ivory);border-bottom:1px solid var(--line)}
.trust-cell{padding:1.8rem 1rem;display:flex;flex-direction:column;align-items:center;gap:.15rem}
.trust-cell i{font-size:1.5rem;color:var(--brass)}
.trust-cell strong{font-family:'Fraunces',serif;font-size:1.6rem;color:var(--navy)}
.trust-cell span{color:var(--muted);font-size:.9rem}

/* sections */
.section{padding:clamp(4rem,8vw,7rem) 0}
.section-ivory{background:var(--ivory)}
.section-navy{background:var(--navy);color:#fff}
.section-head{max-width:720px;margin:0 auto 3rem;text-align:center}
.section-head h2{font-size:clamp(1.8rem,3.2vw,2.6rem);color:var(--navy);font-weight:600}
.section-head p{color:var(--muted)}
.section-head.light h2{color:#fff}.section-head.light p{color:#c5d3dd}
.kicker{text-transform:uppercase;letter-spacing:.16em;font-size:.78rem;font-weight:700;color:var(--brass);margin-bottom:.6rem}

/* coverage */
.cov{height:100%;padding:1.8rem;border:1px solid var(--line);border-radius:14px;background:#fff;transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}
.cov:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(14,42,63,.1)}
.cov>i{font-size:1.9rem;color:var(--sea);margin-bottom:.8rem}
.cov h3{font-size:1.3rem;color:var(--navy)}
.cov p{color:var(--muted);font-size:.95rem;flex:1}
.cov a{font-weight:600;text-decoration:none;color:var(--brass)}
.also{text-align:center;max-width:820px;margin:2.5rem auto;color:var(--muted)}
.review-cta{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;flex-wrap:wrap;background:var(--navy);color:#fff;border-radius:16px;padding:2rem 2.2rem}
.review-cta h3{color:#fff;font-size:1.5rem}.review-cta p{color:#c5d3dd;margin:0;max-width:640px}

/* about */
.person{margin:0;height:100%;background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
.person{display:flex;flex-direction:column}
.person img{width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;display:block}
.person figcaption{flex:1;padding:1rem 1.2rem;color:var(--muted);font-size:.9rem}
.person figcaption strong{display:block;font-family:'Fraunces',serif;font-size:1.1rem;color:var(--navy)}
.story h3,.calfee-cares h3{font-size:1.4rem;color:var(--navy)}
.story p{color:var(--muted)}
.wide{margin:0;height:100%}
.wide img{width:100%;height:auto;border-radius:14px;display:block}
.wide figcaption{color:var(--muted);font-size:.85rem;margin-top:.5rem}
.calfee-cares{height:100%;background:var(--navy);color:#dbe6ee;border-radius:14px;padding:2.2rem}
.calfee-cares h3{color:var(--brass-2)}

/* reviews */
.rev{height:100%;text-align:center;border:1px solid var(--line);border-radius:14px;padding:2rem 1rem;background:var(--ivory)}
.stars{color:#f2b01e;font-size:1.4rem;letter-spacing:.15rem}
.rev-score{color:var(--muted);font-size:.85rem;margin:.4rem 0 .6rem}
.rev-name{font-family:'Fraunces',serif;font-size:1.25rem;color:var(--navy);margin:0}

/* areas */
.states{display:flex;flex-wrap:wrap;justify-content:center;gap:.7rem;margin-bottom:2rem}
.states span{border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:.4rem 1.1rem;font-weight:600}
.states span:first-child,.states span:nth-child(2){background:var(--brass);border-color:var(--brass)}
.towns{max-width:900px;margin:0 auto;text-align:center;color:#c5d3dd;line-height:2}

/* claims */
.bill{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;background:#fff;border:1px solid var(--line);border-left:5px solid var(--brass);border-radius:12px;padding:1.4rem 1.6rem;margin-bottom:1.5rem}
.bill h3{font-size:1.3rem;color:var(--navy)}
.claim{height:100%;background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.1rem 1.2rem;display:flex;flex-direction:column;gap:.15rem}
.claim h4{font-size:1.05rem;color:var(--navy);margin-bottom:.3rem}
.claim a{font-size:.9rem;text-decoration:none;font-weight:500}
.claim a:last-child{color:var(--brass);margin-top:auto;padding-top:.3rem}

/* carriers */
.carriers{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(6,1fr);gap:.8rem}
.carriers li{border:1px solid var(--line);border-radius:10px;padding:1rem .6rem;text-align:center;font-family:'Fraunces',serif;font-weight:600;color:var(--navy);background:var(--ivory);display:flex;align-items:center;justify-content:center;min-height:68px}

/* resources */
.res{height:100%;background:#fff;border:1px solid var(--line);border-radius:14px;padding:2rem}
.res>i{font-size:1.8rem;color:var(--sea)}
.res h3{font-size:1.25rem;color:var(--navy);margin:.6rem 0}
.res p,.res li{color:var(--muted);font-size:.95rem}
.res ul{padding-left:1.1rem}
.res a{font-weight:600;text-decoration:none;color:var(--brass)}
.res-pt{background:var(--navy);border-color:var(--navy)}
.res-pt h3{color:#fff}.res-pt p{color:#c5d3dd}.res-pt>i{color:var(--brass-2)}

/* contact */
.contact-card{height:100%;border:1px solid var(--line);border-radius:14px;padding:1.6rem;background:#fff}
.c-row{display:flex;gap:1rem;margin-bottom:1.2rem}
.c-row>i{font-size:1.4rem;color:var(--sea);margin-top:.15rem}
.c-row strong{display:block;color:var(--navy)}
.office-photo{width:100%;height:auto;border-radius:10px;margin-top:.5rem}
.map-wrap{height:100%;min-height:420px;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
.map-wrap iframe{width:100%;height:100%;min-height:420px;border:0;display:block}
.visit{display:grid;grid-template-columns:2fr 3fr;gap:2rem;align-items:center;background:var(--ivory);border-radius:14px;overflow:hidden}
.visit img{width:100%;height:auto;display:block}
.visit>div{padding:2rem 2rem 2rem 0}
.visit h3{color:var(--navy)}.visit p{color:var(--muted)}

/* footer */
.site-footer{background:var(--navy);color:#c5d3dd;padding:4rem 0 2rem}
.site-footer a{color:#e6eef3;text-decoration:none}.site-footer a:hover{color:var(--brass-2)}
.foot-brand{font-size:1.4rem;color:#fff}
.site-footer h5{color:#fff;font-size:1rem;text-transform:uppercase;letter-spacing:.1em}
.site-footer li{margin-bottom:.4rem}
.legal{font-size:.75rem;color:#8ea3b3;border-top:1px solid rgba(255,255,255,.12);margin:2.5rem 0 1.5rem;padding-top:1.5rem}
.powered{text-align:center}
.powered a{display:inline-block;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);border-radius:999px;padding:.55rem 1.3rem;font-size:.9rem}
.powered i{color:var(--brass-2)}

/* responsive */
@media (max-width:991.98px){
  .hero{grid-template-columns:1fr;min-height:0}
  .hero-photo{height:420px;order:-1}
  .hero-photo img{object-position:50% 25%}
  .hero-text{padding:3rem 1.5rem}
  .hero-inner{margin:0}
  .carriers{grid-template-columns:repeat(4,1fr)}
  .visit{grid-template-columns:1fr}
  .visit>div{padding:0 1.5rem 2rem}
  .map-wrap,.map-wrap iframe{min-height:340px}
  .site-nav .navbar-nav{padding:.8rem 0}
}
@media (max-width:575.98px){
  .carriers{grid-template-columns:repeat(2,1fr)}
  .hero-photo{height:340px}
  .brand-name{font-size:1.1rem}
  .review-cta{padding:1.5rem}
}