@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@400;500;600;700&display=swap');
/* PREVIEW Option C — light, clean, navy + gold */
:root{--navy:#eef3f8;--navy-deep:#f6f9fc;--navy-mid:#ffffff;--navy-card:#fff;--navy-elev:#fff;
 --gold:#8a6a0b;--gold-soft:#8a6a0b;--gold-light:#8a6a0b;--amber:#8a6a0b;--amber-glow:rgba(201,162,39,.12);
 --offwhite:#0b1c2d;--cream:#eef3f8;--text:#0b1c2d;--text-muted:#475a6c;--text-dim:#66798b;--text-dark:#0b1c2d;--text-dark-muted:#475a6c;
 --border:#dbe5ee;--border-subtle:#e4ecf3;--radius:20px;--radius-sm:14px;--shadow:0 10px 30px rgba(16,38,58,.07);
 --font:'Poppins',system-ui,sans-serif;}
html{scroll-behavior:smooth}
body{background:#f6f9fc;color:#0b1c2d;font-family:'Poppins',system-ui,sans-serif}
h1,h2,h3,.section-title{font-family:'Poppins',sans-serif;font-weight:700;letter-spacing:-.02em;color:#0b1c2d}
.gold{color:#8a6a0b!important}
.eyebrow,.section-label{display:inline-block;background:#f7efd6;color:#7a5e0a!important;border-radius:999px;padding:.35rem .9rem;font-weight:600;letter-spacing:.06em}
.mockup-chip{display:none}
.site-nav{background:rgba(255,255,255,.9)!important;backdrop-filter:blur(10px);border-bottom:1px solid #e4ecf3}
.site-nav a{color:#0b1c2d}
.btn{border-radius:999px!important;transition:transform .2s ease,filter .2s ease,box-shadow .2s ease}
.btn:hover,.nav-cta:hover{transform:translateY(-2px);filter:brightness(1.06)}
.btn-primary,.nav-cta{background:#8a6a0b!important;color:#fff!important;border:none!important;box-shadow:0 8px 20px rgba(201,162,39,.25)}
.btn-secondary,.btn-ghost{background:#fff!important;color:#0b1c2d!important;border:1.5px solid #c9d8e4!important}
.hero,.oe-hero{background:radial-gradient(70% 80% at 90% 10%,rgba(201,162,39,.14),transparent 60%),radial-gradient(50% 60% at 0% 100%,rgba(11,28,45,.10),transparent 60%),#fff!important;overflow:hidden}
.hero-visual{display:flex;align-items:center}
.hero-card,.build-card,.form-card,.lead-reload-card,.proof-card,.oe-date,.oe-type,.oe-why li,.oe-checks li,.dual-card,.faq-item,details{background:#fff!important;border:1px solid #e1e9f0!important;box-shadow:0 10px 30px rgba(16,38,58,.06);color:#0b1c2d;border-radius:20px}
.hero-card *,.dual-card *{color:inherit}
.hero-card p,.hero-card span,.dual-card p,.proof-card p{color:#475a6c}
.path-item{background:#faf6ea!important;border-radius:14px}
.lift,.build-card,.proof-card,.dual-card,.oe-date,.oe-type,.path-item{transition:transform .28s ease,box-shadow .28s ease}
.lift:hover,.build-card:hover,.proof-card:hover,.dual-card:hover,.oe-date:hover,.oe-type:hover{transform:translateY(-6px);box-shadow:0 22px 44px rgba(16,38,58,.12)}
.proof,.dual,.oe-section.alt,.join-band{background:#eef4f9!important;color:#0b1c2d}
.proof .section-title,.join-band .section-title,.join-band p{color:#0b1c2d}
.proof-card .stat{color:#0b1c2d}.proof-card .stat span{color:#8a6a0b}
.marquee-wrap{background:#fff!important;border-top:1px solid #e4ecf3;border-bottom:1px solid #e4ecf3;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee{animation:mqc 38s linear infinite!important}
.marquee span{color:#66798b!important}
.marquee-wrap:hover .marquee{animation-play-state:paused!important}
@keyframes mqc{to{transform:translateX(-50%)}}
.float{animation:bob 5s ease-in-out infinite}
@keyframes bob{50%{transform:translateY(-8px)}}
.about-grid{grid-template-columns:1fr!important;max-width:820px}
.field input,.field select,.field textarea,input,select,textarea{background:#fff!important;color:#0b1c2d!important;border:1.5px solid #c9d8e4!important;border-radius:12px}
.oe-steps li::before{color:#fff;background:#8a6a0b}
.oe-why .ck{background:#f7efd6;color:#7a5e0a}
.illustrative-tag{color:#7a5e0a}
.site-footer,footer{background:#0b1c2d!important;color:#c9d8e4}
.site-footer a,footer a{color:#e6c862}.site-footer .logo,.site-footer .logo span{color:#fff}
/* scroll reveal */
.rv{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1)}
.rv.in{opacity:1;transform:none}
.hero h1,.oe-hero h1,.hero-lead,.oe-lead,.hero-ctas,.oe-ctas{animation:rise .8s cubic-bezier(.2,.7,.2,1) both}
.hero-lead,.oe-lead{animation-delay:.12s}.hero-ctas,.oe-ctas{animation-delay:.24s}
@keyframes rise{from{opacity:0;transform:translateY(18px)}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.marquee,.float,.hero h1,.oe-hero h1,.hero-lead,.oe-lead,.hero-ctas,.oe-ctas{animation:none!important}.rv{opacity:1;transform:none;transition:none}.btn,.build-card,.proof-card,.dual-card,.oe-date,.oe-type{transition:none}}
.nav-links a{white-space:nowrap;font-size:.86rem}
.nav-links{gap:1rem!important}
.hero::before,.hero::after{display:none!important}

/* headshot */
.headshot-c{display:block;width:clamp(200px,24vw,300px);aspect-ratio:1;margin:0 auto 22px;border-radius:50%;padding:6px;background:#c9a227;box-shadow:0 18px 40px rgba(11,28,45,.18),0 4px 12px rgba(11,28,45,.10)}
.headshot-c img{display:block;width:100%;height:100%;object-fit:cover;border-radius:50%;border:4px solid #fff}
.pop{animation:popin .9s cubic-bezier(.2,.8,.2,1) both,hsfloat 6s ease-in-out 1s infinite}
@keyframes popin{from{opacity:0;transform:translateY(24px) scale(.94)}to{opacity:1;transform:none}}
@keyframes hsfloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
@media (prefers-reduced-motion:reduce){.pop{animation:none}}
.hero-visual{display:flex;flex-direction:column;align-items:center}
.oe-hero-grid.oe-hero-photo{display:grid;grid-template-columns:1.35fr 1fr;gap:48px;align-items:center}
.oe-photo-col .headshot-c{width:clamp(220px,26vw,320px);margin:0 auto}
@media (max-width:860px){.oe-hero-grid.oe-hero-photo{grid-template-columns:1fr;gap:28px}.oe-photo-col{order:-1}.oe-photo-col .headshot-c,.hero-visual .headshot-c{width:200px}}
/* C2 navy + gold */
.btn-primary,.nav-cta{background:#0b1c2d!important;color:#fff!important;box-shadow:0 8px 20px rgba(11,28,45,.22),inset 0 -3px 0 #c9a227}
.btn-primary:hover,.nav-cta:hover{background:#c9a227!important;color:#0b1c2d!important;filter:none}
.btn-secondary:hover,.btn-ghost:hover{border-color:#c9a227!important}
.oe-steps li::before{background:#0b1c2d;color:#c9a227}
.proof-card .stat span{color:#8a6a0b}
.section-title::after{content:"";display:block;width:56px;height:3px;background:#c9a227;border-radius:2px;margin:.6rem 0 0}
.text-center .section-title::after,.section-head.center .section-title::after{margin-left:auto;margin-right:auto}
.navy-badge{display:inline-flex;align-items:center;gap:.5rem;background:#0b1c2d;color:#fff;border-radius:999px;padding:.4rem .95rem .4rem .55rem;font-size:.82rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin:0 0 1rem;box-shadow:0 6px 16px rgba(11,28,45,.18)}
.navy-badge svg{width:22px;height:22px;flex:none}
/* quote tool */
.qt{display:flex;flex-wrap:wrap;background:#fff;border:1px solid #e1e9f0;border-radius:26px;overflow:hidden;box-shadow:0 24px 60px rgba(11,28,45,.08);max-width:1100px;margin:0 auto;text-align:left}
.qt-left{flex:999 1 500px;min-width:0;padding:clamp(22px,4vw,40px);display:flex;flex-direction:column;gap:20px}
.qt-right{flex:1 1 320px;min-width:0;background:#0b1c2d;color:#fff;padding:clamp(22px,4vw,40px);display:flex;flex-direction:column;gap:16px;position:relative;overflow:hidden}
.qt-right::before{content:"";position:absolute;width:380px;height:380px;border-radius:50%;right:-170px;top:-170px;background:radial-gradient(circle,rgba(201,162,39,.28),transparent 68%)}
.qt-right>*{position:relative}
.qt-meta{display:flex;justify-content:space-between;font-size:.82rem;font-weight:600;color:#475a6c}
.qt-bar{height:6px;background:#e9edf2;border-radius:99px;overflow:hidden;margin-top:8px}.qt-bar i{display:block;height:100%;width:33%;background:#c9a227;border-radius:99px;transition:width .35s ease}
.qt h3{margin:0;font-size:1.25rem;color:#0b1c2d}
.qt-chips{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px}
.qt-chip{border:1.5px solid #c9d8e4;background:#fff;border-radius:14px;padding:14px;font:600 .95rem 'Poppins',sans-serif;color:#0b1c2d;cursor:pointer;text-align:left;transition:border-color .2s,transform .2s}
.qt-chip:hover{transform:translateY(-2px);border-color:#c9a227}
.qt-chip.on{border-color:#0b1c2d;background:#0b1c2d;color:#fff;box-shadow:inset 0 -3px 0 #c9a227}
.qt-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.qt label{display:block;font-size:.85rem;font-weight:600;color:#0b1c2d;margin-bottom:6px}
.qt input{width:100%;padding:12px 14px;font:500 1rem 'Poppins',sans-serif}
.qt-mem{display:flex;gap:10px;align-items:end}.qt-mem>div{flex:1}
.qt-x{border:none;background:#eef2f6;border-radius:10px;width:42px;height:46px;cursor:pointer;color:#0b1c2d;font-size:1.1rem}
.qt-add{display:flex;gap:10px;flex-wrap:wrap}
.qt-link{background:none;border:1.5px dashed #c9a227;border-radius:999px;padding:8px 14px;font:600 .88rem 'Poppins',sans-serif;color:#0b1c2d;cursor:pointer}
.qt-nav{display:flex;gap:10px;justify-content:space-between;align-items:center;margin-top:4px}
.qt-err{color:#a12a1f;font-size:.88rem;margin:0;min-height:1.2em}
.qt-k{font-size:.76rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#e6c862}
.qt-range{font-size:clamp(2rem,3.6vw,2.9rem);font-weight:700;line-height:1.05;color:#fff;margin:0}
.qt-range.dim{color:#6f8296}
.qt-sub{color:#c9d3dd;font-size:.95rem;margin:0}
.qt-list{list-style:none;padding:14px 0 0;margin:0;border-top:1px solid rgba(201,162,39,.3);display:flex;flex-direction:column;gap:8px;font-size:.92rem;color:#e7edf3}
.qt-list li::before{content:"✓";color:#c9a227;font-weight:700;margin-right:8px}
.qt-note{background:rgba(255,255,255,.07);border-radius:12px;padding:10px 12px;font-size:.86rem;color:#e7edf3;margin:0}
.qt-cta{display:flex;flex-direction:column;gap:10px;margin-top:auto}
.qt-cta .btn{text-align:center;justify-content:center}
.qt-right .btn-primary{background:#c9a227!important;color:#0b1c2d!important;box-shadow:none}
.qt-right .btn-primary:hover{background:#fff!important}
.qt-right .btn-secondary{background:transparent!important;color:#fff!important;border-color:rgba(255,255,255,.4)!important}
.qt-fine{font-size:.76rem;color:#9fb0c0;margin:0}
.qt-fine a{color:#e6c862}
@media (max-width:560px){.qt-row{grid-template-columns:1fr}}
.qt [hidden]{display:none!important}
.qt-range{font-size:clamp(1.7rem,2.6vw,2.4rem);white-space:nowrap}
.qt-cta .btn{white-space:nowrap}
#quote-tool{scroll-margin-top:80px}
.lic-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px}
.lic-card{background:#fff;border:1px solid #e1e9f0;border-left:4px solid #c9a227;border-radius:14px;padding:14px 16px;display:flex;flex-direction:column;gap:4px}
.lic-k{font-size:.74rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:#7a5e0a}
.lic-states{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px}
.lic-states li{background:#fff;border:1px solid #d6dee6;border-radius:999px;padding:6px 12px;font-size:.88rem;font-weight:500;color:#0b1c2d}

/* C2 single-card quote tool */
.qt1{display:block;flex-wrap:nowrap;max-width:760px;padding:clamp(20px,4vw,36px)}
.qt1 .qt-who{border:0;margin:0;padding:0}
.qt1 legend{font-weight:700;font-size:1.25rem;color:#0b1c2d;margin-bottom:14px;padding:0}
.qt1 .qt-chips{grid-template-columns:repeat(auto-fit,minmax(140px,1fr))}
.qt1 .qt-chip{text-align:center}
.qt1 .qt-chip:focus-visible,.qt1 input:focus-visible,.qt1 .qt-link:focus-visible{outline:3px solid #c9a227;outline-offset:2px}
.qt-reveal{height:0;opacity:0;overflow:hidden;transition:height .45s cubic-bezier(.2,.7,.2,1),opacity .35s ease}
.qt1.open .qt-reveal{opacity:1}
.qt-reveal-in{padding-top:20px;display:flex;flex-direction:column;gap:14px}
.qt-kids{display:flex;flex-direction:column;gap:10px;align-items:flex-start}
.qt-kids #qt-kidlist{display:flex;flex-direction:column;gap:10px;width:100%}
.qt-hl{display:block;font-size:.85rem;font-weight:600;color:#0b1c2d;margin-bottom:8px}.qt-hl small{font-weight:500;color:#6b7c8d}
.qt-chips-sm .qt-chip{padding:10px 12px;font-size:.88rem}
.qt1 .qt-result{margin-top:22px;border-radius:20px}
.qt1 .qt-cta{margin-top:6px;flex-direction:row;flex-wrap:wrap}
.qt1 .qt-cta .btn{flex:1 1 200px}
.qt-range.pop{animation:qtpop .4s ease}
@keyframes qtpop{0%{transform:scale(.96);opacity:.5}100%{transform:none;opacity:1}}
@media (prefers-reduced-motion:reduce){.qt-reveal{transition:none}.qt-range.pop{animation:none}.qt-chip{transition:none}}
/* Licensed-states map (2026-10-20) */
.lic-map-wrap{margin:1.6rem 0 .4rem;background:#fff;border:1px solid #e6e9ee;border-radius:18px;padding:18px 18px 12px;box-shadow:0 12px 30px rgba(11,28,45,.06)}
.lic-map{position:relative}
.us-map{display:block;width:100%;height:auto}
.us-map .st{stroke:#fff;stroke-width:1;cursor:pointer;transition:fill .2s ease;outline:none}
.us-map .st.on{fill:#0b1c2d}.us-map .st.off{fill:#dde1e6}
.us-map .st.on:hover,.us-map .st.on:focus,.us-map .st.on.act{fill:#c9a227}
.us-map .st.off:hover,.us-map .st.off:focus,.us-map .st.off.act{fill:#b9c0c8}
.us-map .st:focus-visible{stroke:#c9a227;stroke-width:2.5}
.us-map .sep{fill:none;stroke:#b9c0c8;stroke-width:1.5}
.map-tip{position:absolute;transform:translate(-50%,-100%);background:#0b1c2d;color:#fff;padding:7px 12px;border-radius:10px;font-size:.85rem;line-height:1.3;pointer-events:none;white-space:nowrap;box-shadow:0 8px 20px rgba(11,28,45,.25);text-align:center;z-index:3}
.map-tip strong{display:block}.map-tip .y{color:#e6c65a}.map-tip .n{color:#c4ccd5}
.map-legend{display:flex;flex-wrap:wrap;gap:10px 20px;align-items:center;margin-top:10px;font-size:.9rem;color:#33404d}
.map-legend span{display:inline-flex;align-items:center;gap:7px}.map-legend .sw{width:14px;height:14px;border-radius:4px;display:inline-block}
.sw.on{background:#0b1c2d}.sw.off{background:#dde1e6}.map-legend a{margin-left:auto;color:#0b1c2d;font-weight:600}
.map-src{font-size:.78rem;color:#6b7785;margin:.5rem 0 0}
@media (max-width:600px){.lic-map-wrap{padding:10px}.map-legend a{margin-left:0}}
@media (prefers-reduced-motion:reduce){.us-map .st{transition:none}}
/* Headshot motion, after insuredbyestef.com photo (bob float + soft halo) (2026-10-20) */
.headshot-c.pop{position:relative;animation:hsreveal 1s cubic-bezier(.2,.8,.2,1) both,hsbob 5s ease-in-out 1s infinite}
.headshot-c.pop::after{content:"";position:absolute;inset:0;border-radius:50%;pointer-events:none;animation:hsglow 3.6s ease-in-out 1s infinite}
@keyframes hsreveal{from{opacity:0;transform:scale(.9)}to{opacity:1;transform:none}}
@keyframes hsbob{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
@keyframes hsglow{0%,100%{box-shadow:0 0 0 0 rgba(201,162,39,.35),0 0 18px 2px rgba(201,162,39,.18)}50%{box-shadow:0 0 0 9px rgba(201,162,39,.12),0 0 34px 8px rgba(201,162,39,.28)}}
@media (prefers-reduced-motion:reduce){.headshot-c.pop,.headshot-c.pop::after{animation:none!important}}