/* Access Your Market — site styles, Direction B "Warm & personal"
   Palette: cream paper, warm brown ink, one clay accent. Type: Alegreya (headlines)
   + Atkinson Hyperlegible (body, designed for low-vision readers) + Caveat (accents only). */

:root{
  --cream:#FAF4EA;
  --paper:#FFFCF7;
  --sand:#F1E7D8;
  --ink:#2A211B;
  --body:#3F342C;
  --muted:#5C4F45;
  --rule:#DED2C2;
  --clay:#9E4522;
  --clay-deep:#7E3618;
  --clay-tint:#F6E4DA;
  --olive:#5E6B3F;
  --shadow:0 1px 2px rgba(42,33,27,.05), 0 16px 36px rgba(42,33,27,.10);
  --radius:14px;
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){ html{scroll-behavior:auto} }
body{
  margin:0;background:var(--cream);color:var(--body);
  font-family:"Atkinson Hyperlegible","Trebuchet MS",Verdana,Arial,sans-serif;
  font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--clay);text-underline-offset:3px}
a:hover{color:var(--clay-deep)}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--clay);outline-offset:3px;border-radius:4px}
p{margin:0}
h1,h2,h3{font-family:"Alegreya","Palatino Linotype","Book Antiqua",Georgia,serif;color:var(--ink);margin:0;text-wrap:balance;font-weight:700}
h1{font-size:clamp(2.35rem,5.6vw,3.7rem);line-height:1.08;letter-spacing:-.01em}
h2{font-size:clamp(1.85rem,3.6vw,2.5rem);line-height:1.14}
h3{font-size:1.35rem;line-height:1.28}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.narrow{max-width:720px;margin:0 auto;padding:0 22px}
.hand{font-family:"Caveat","Segoe Script","Bradley Hand",cursive;font-weight:600}
.eyebrow{
  display:block;font-family:"Caveat","Segoe Script","Bradley Hand",cursive;font-weight:600;
  font-size:1.9rem;line-height:1;color:var(--clay);
}
.lede{font-size:1.2rem;color:var(--body);max-width:38ch;text-wrap:pretty}
.num{font-variant-numeric:tabular-nums}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  background:var(--clay);color:#fff;text-decoration:none;font:inherit;font-weight:700;
  font-size:1.1rem;min-height:56px;padding:14px 28px;border-radius:999px;border:none;cursor:pointer;
  transition:background .15s ease,transform .15s ease;
}
.btn:hover{background:var(--clay-deep);color:#fff}
.btn:active{transform:translateY(1px)}
.btn.block{display:flex;width:100%;font-size:1.18rem;min-height:60px}
.btn.ghost{background:transparent;color:var(--clay-deep);border:2px solid var(--clay)}
.btn.ghost:hover{background:var(--clay-tint)}
.btn svg{width:20px;height:20px}

/* ---------- header ---------- */
.site-head{
  position:sticky;top:0;z-index:20;background:rgba(250,244,234,.94);backdrop-filter:saturate(1.1) blur(8px);
  border-bottom:1px solid var(--rule);
}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}
.brand .mark{width:36px;height:36px;border-radius:10px;background:var(--clay);display:grid;place-items:center;color:#fff;flex:none}
.brand .mark svg{width:20px;height:20px}
.brand .name{font-family:"Alegreya",Georgia,serif;font-weight:700;font-size:1.2rem;letter-spacing:-.005em;line-height:1.05}
.brand .name small{display:block;font-family:"Atkinson Hyperlegible",sans-serif;font-weight:700;font-size:.8rem;color:var(--muted);margin-top:3px}
.head-actions{display:flex;align-items:center;gap:12px}
.phone{
  color:var(--clay-deep);text-decoration:none;font-weight:700;font-size:1.02rem;white-space:nowrap;
  display:inline-flex;align-items:center;gap:8px;min-height:48px;padding:0 16px;background:var(--clay-tint);border-radius:999px;
}
.phone svg{width:20px;height:20px;color:var(--clay)}
.phone span{display:none}
.head-actions .btn{display:none}
@media (min-width:640px){ .phone span{display:inline} }
@media (min-width:900px){ .head-actions .btn{display:inline-flex;min-height:48px;padding:10px 20px;font-size:1rem} }

/* ---------- hero ---------- */
.hero{padding:0 0 44px}
.hero .wrap{display:grid;grid-template-columns:1fr;gap:26px;align-items:start;padding:0}
.hero-copy{display:flex;flex-direction:column;gap:18px;padding:0 22px}
.hero-photo{position:relative;height:min(78vw,360px);overflow:hidden;background:#EBE3D6}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 18%}
.hero-photo::after{content:"";position:absolute;left:0;right:0;bottom:0;height:130px;background:linear-gradient(180deg,rgba(250,244,234,0) 0%,var(--cream) 100%)}
.hi{display:flex;flex-direction:column;gap:4px;margin-top:-26px;position:relative}
.hi .hand{font-size:2.3rem;line-height:1;color:var(--clay)}
.hi small{font-size:1rem;font-weight:700;color:var(--muted);line-height:1.4}
.hero-copy h1{max-width:15ch}
.proof{display:none}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.hero-cta .btn{display:none}
.hero-cta small{font-size:.95rem;color:var(--muted)}
.call-me{display:inline-flex;align-items:center;gap:10px;min-height:48px;font-size:1.12rem;font-weight:700;color:var(--clay-deep);text-decoration:none}
.call-me svg{width:22px;height:22px;color:var(--clay)}
.espanol{font-size:1.05rem;color:var(--body)}
.espanol strong{color:var(--ink);font-weight:700}
.hero .quoter{margin:0 22px}
@media (min-width:920px){
  .hero{padding:56px 0 64px}
  .hero .wrap{
    grid-template-columns:1.02fr .98fr;grid-template-areas:"photo form" "copy form";
    grid-template-rows:auto 1fr;gap:22px 56px;align-items:start;padding:0 22px;
  }
  .hero-photo{grid-area:photo;height:auto;width:220px;border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}
  .hero-photo img{height:auto;aspect-ratio:1/1;object-position:50% 12%}
  .hero-photo::after{display:none}
  .hero-copy{grid-area:copy;padding:0;gap:22px}
  .hi{margin-top:0}
  .hero-cta .btn{display:inline-flex}
  .hero .quoter{grid-area:form;margin:0}
}

/* ---------- form card ---------- */
.quoter{
  background:var(--paper);border:1px solid var(--rule);border-radius:20px;
  box-shadow:var(--shadow);overflow:hidden;
}
.quoter-head{padding:22px 22px 14px;border-bottom:1px dashed var(--rule);display:flex;flex-direction:column;gap:4px}
.quoter-head strong{display:block;font-family:"Caveat",cursive;font-weight:600;font-size:2rem;line-height:1;color:var(--clay)}
.quoter-head span{display:block;font-size:1rem;color:var(--muted);margin-top:4px}
.quoter-slot{padding:18px 22px 22px}
.consent{padding:0 22px 22px;font-size:.84rem;line-height:1.55;color:var(--muted)}
.consent a{color:var(--muted)}

/* ---------- sections ---------- */
section{padding:52px 0}
.sec-head{display:flex;flex-direction:column;gap:14px;margin-bottom:30px;max-width:60ch}
.sec-head p{font-size:1.1rem;color:var(--body)}

/* how it works */
.how{background:var(--paper);border-top:1px solid var(--rule)}
.steps{display:grid;grid-template-columns:1fr;gap:22px;list-style:none;margin:0;padding:0;counter-reset:step}
.steps li{display:grid;grid-template-columns:52px 1fr;column-gap:16px;row-gap:4px;align-items:start}
.steps li::before{grid-column:1;grid-row:1 / span 2}
.steps h3,.steps p{grid-column:2}
.steps li::before{
  counter-increment:step;content:counter(step);
  width:52px;height:52px;border-radius:50%;background:var(--clay-tint);color:var(--clay);
  font-family:"Caveat",cursive;font-weight:600;font-size:2rem;display:flex;align-items:center;justify-content:center;
}
.steps h3{font-size:1.4rem;margin-bottom:4px}
.steps p{font-size:1.02rem}
@media (min-width:760px){ .steps{grid-template-columns:repeat(3,1fr);gap:28px} }

/* agent — the lettersheet */
.agent{background:var(--sand)}
.agent .wrap{display:grid;grid-template-columns:1fr;gap:20px;align-items:start}
.agent > .wrap > img{display:none}
.agent-copy{
  background:var(--paper);border:1px solid var(--rule);border-radius:8px;padding:28px 24px 24px;
  display:flex;flex-direction:column;gap:18px;box-shadow:0 10px 30px rgba(42,33,27,.08);
}
.agent-copy .eyebrow{margin-bottom:-6px}
.agent-copy h2{max-width:16ch}
.agent-copy p{font-size:1.08rem;max-width:56ch;text-wrap:pretty}
.sig{display:flex;align-items:center;gap:14px;margin-top:2px}
.sig img{width:64px;height:64px;border-radius:50%;object-fit:cover;object-position:50% 20%;border:2px solid var(--rule)}
.sig .hand{font-size:2.5rem;line-height:1;color:var(--ink)}
.sig small{display:block;font-size:.95rem;color:var(--muted)}
.agent-facts{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;border-bottom:1px solid var(--rule)}
.agent-facts li{padding:10px 0;border-top:1px solid var(--rule);font-size:1rem;line-height:1.45}
.agent-facts strong{display:block;color:var(--ink);font-weight:700}
.agent .more{align-self:flex-start;font-weight:700;font-size:1.05rem;color:var(--clay-deep);min-height:44px;display:inline-flex;align-items:center}
@media (min-width:880px){
  .agent .wrap{grid-template-columns:.85fr 1.15fr;gap:48px;align-items:center}
  .agent > .wrap > img{display:block;border-radius:18px;box-shadow:var(--shadow);max-width:420px;width:100%}
  .sig img{display:none}
}

/* why now */
.why .wrap{display:grid;grid-template-columns:1fr;gap:26px;align-items:start}
.points{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:18px}
.points li{display:grid;grid-template-columns:48px 1fr;gap:16px;align-items:start}
.points svg{width:48px;height:48px;padding:12px;border-radius:50%;background:var(--paper);border:1px solid var(--rule);color:var(--clay)}
.points strong{display:block;font-family:"Alegreya",Georgia,serif;color:var(--ink);font-weight:700;font-size:1.3rem;margin-bottom:3px}
.points span{font-size:1.02rem}
.cost{
  border-top:2px solid var(--ink);border-bottom:2px solid var(--ink);padding:26px 4px;
  display:flex;flex-direction:column;gap:8px;align-self:start;
}
.cost .figure{font-family:"Alegreya",Georgia,serif;font-size:4rem;font-weight:700;color:var(--ink);line-height:1;letter-spacing:-.02em}
.cost p{font-size:1.1rem;color:var(--ink);max-width:34ch}
.cost small{font-size:.95rem;color:var(--muted)}
@media (min-width:880px){ .why .wrap{grid-template-columns:1.15fr .85fr;gap:48px} }

/* carriers */
.carriers{padding:34px 0;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);background:var(--paper)}
.carriers .wrap{display:flex;flex-direction:column;gap:14px;align-items:center;text-align:center}
.carriers .label{font-size:.84rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.carriers ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:8px 26px}
.carriers li{font-family:"Alegreya",Georgia,serif;font-size:1.2rem;font-weight:700;color:var(--ink)}
.carriers small{font-size:.88rem;color:var(--muted)}

/* faq */
.faq details{border-top:1px solid var(--rule);padding:6px 0}
.faq details:last-of-type{border-bottom:1px solid var(--rule)}
.faq summary{
  list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;
  padding:14px 0;font-family:"Alegreya",Georgia,serif;font-weight:700;font-size:1.3rem;color:var(--ink);line-height:1.3;min-height:44px;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";flex:none;width:32px;height:32px;border-radius:50%;display:grid;place-items:center;
  font-family:"Atkinson Hyperlegible",sans-serif;font-size:1.5rem;color:var(--clay);border:2px solid var(--clay);
  transition:transform .2s ease;
}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 0 18px;font-size:1.02rem;max-width:62ch}

/* final CTA */
.final{background:var(--clay-deep);color:#F8ECE4;padding:64px 0}
.final .wrap{display:flex;flex-direction:column;gap:20px;align-items:flex-start}
.final .eyebrow{color:#F3C9B4}
.final h2{color:#fff;max-width:18ch}
.final p{font-size:1.12rem;max-width:44ch}
.final .btn{background:#fff;color:var(--clay-deep)}
.final .btn:hover{background:var(--clay-tint);color:var(--clay-deep)}
.final .alt{font-size:1rem}
.final .alt a{color:#fff;font-weight:700}

/* footer */
.site-foot{padding:36px 0 56px;font-size:.9rem;line-height:1.65;color:var(--muted)}
.site-foot .wrap{display:flex;flex-direction:column;gap:14px}
.site-foot .row{display:flex;flex-wrap:wrap;gap:8px 22px;align-items:baseline}
.site-foot a{color:var(--muted)}
.site-foot strong{color:var(--ink);font-weight:700}
.site-foot .legal{max-width:80ch}

/* ---------- inner pages ---------- */
.page-head{padding:52px 0 22px}
.page-head .narrow{display:flex;flex-direction:column;gap:14px}
.page-body{padding:16px 0 72px}
.page-body .narrow{display:flex;flex-direction:column;gap:20px}
.page-body h2{font-size:1.6rem;margin-top:18px}
.page-body p,.page-body li{font-size:1.05rem;max-width:68ch}
.page-body ul{padding-left:22px;display:flex;flex-direction:column;gap:8px}
.page-body .updated{font-size:.9rem;color:var(--muted)}
.story{display:grid;grid-template-columns:1fr;gap:28px;align-items:start}
.story img{border-radius:18px;box-shadow:var(--shadow);max-width:360px;width:100%}
@media (min-width:760px){ .story{grid-template-columns:320px 1fr;gap:44px} }

/* reveal (respects reduced motion) */
@media (prefers-reduced-motion:no-preference){
  .reveal{opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease}
  .reveal.in{opacity:1;transform:none}
}

/* ---------- lead form (multi-step) ---------- */
.lf{display:flex;flex-direction:column;gap:0}
.lf-prog{display:flex;align-items:center;gap:6px;margin-bottom:16px}
.lf-prog i{width:12px;height:12px;border-radius:50%;background:var(--rule);display:block;flex:none}
.lf-prog i.done{background:var(--clay)}
.lf-prog::after{content:"Question " attr(data-n) " of 5";margin-left:6px;font-size:.95rem;font-weight:700;color:var(--muted)}
.lf-step{display:none}
.lf-step.on{display:block}
.lf-q{display:block;font-family:"Alegreya",Georgia,serif;font-size:1.55rem;font-weight:700;color:var(--ink);margin-bottom:6px;line-height:1.25;text-wrap:balance}
.lf-hint{display:block;font-size:1rem;color:var(--muted);margin-bottom:16px}
.lf-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(120px,1fr));gap:10px}
.lf-grid.two{grid-template-columns:1fr 1fr}
.lf-opt{
  font:inherit;font-size:1.18rem;font-weight:700;color:var(--ink);background:var(--paper);min-height:58px;
  border:2px solid var(--rule);border-radius:14px;padding:12px 8px;cursor:pointer;text-align:center;
  transition:border-color .15s,color .15s,background .15s;
}
.lf-opt:hover{border-color:var(--clay);color:var(--clay-deep)}
.lf-opt[aria-pressed="true"]{border-color:var(--clay);background:var(--clay-tint);color:var(--clay-deep)}
.lf-field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.lf-field label{font-size:1rem;font-weight:700;color:var(--ink)}
.lf-field input,.lf-field select{
  font:inherit;font-size:1.12rem;color:var(--ink);background:var(--paper);border:2px solid var(--rule);border-radius:14px;
  min-height:56px;padding:12px 16px;width:100%;
}
.lf-field input:focus{border-color:var(--clay);outline:none;box-shadow:0 0 0 3px var(--clay-tint)}
.lf-field .err{display:none;font-size:.9rem;color:var(--clay-deep)}
.lf-field.bad input{border-color:var(--clay)}
.lf-field.bad .err{display:block}
.lf-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:16px}
.lf-back{background:none;border:none;color:var(--muted);font:inherit;font-size:1rem;font-weight:700;cursor:pointer;text-decoration:underline;text-underline-offset:3px;min-height:44px;padding:6px 0}
.lf-submit{margin-top:6px}
.lf-expect{margin-top:16px;background:var(--sand);border-radius:14px;padding:14px 16px;font-size:1rem;line-height:1.5;color:var(--ink)}
.lf-expect strong{display:block;color:var(--ink);margin-bottom:3px}
.lf-fail{display:none;margin-top:14px;background:var(--clay-tint);border:1px solid #E5B9A2;border-radius:14px;padding:14px 16px;font-size:1rem;color:var(--clay-deep)}
.lf-fail a{color:var(--clay-deep);font-weight:700}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}