:root{--ink:#0B0B0B;--ink2:#1E1E1E;--brass:#D6AE5E;--brass2:#D6AE5E;--red:#8A6519;--gold:#D6AE5E;--cream:#F6F2EA;--line:#E4DCCD;--mut:#5E6168}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font:16px/1.65 Inter,system-ui,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}img{max-width:100%;display:block}
.serif{font-family:'Libre Caslon Text',Georgia,serif}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.eyebrow{font-size:12px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--brass)}
h1,h2,h3{font-family:'Libre Caslon Text',Georgia,serif;font-weight:400;line-height:1.15}
h2{font-size:clamp(30px,4vw,42px);margin:10px 0 16px}
.btn{display:inline-flex;align-items:center;gap:10px;font-weight:600;font-size:15px;padding:15px 24px;border-radius:2px;transition:.2s}
.btn-red{background:var(--gold);color:#0B0B0B}.btn-red:hover{background:#E6C57E}
.btn-line{border:1px solid rgba(255,255,255,.55);color:#fff}.btn-line:hover{background:rgba(255,255,255,.1)}
.btn svg{width:17px;height:17px}
/* top bar */
.top{background:var(--ink);color:#cfc9bd;font-size:13px}
.top .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:9px;padding-bottom:9px;flex-wrap:wrap}
.top a{color:#fff;font-weight:600}
/* header */
header{position:sticky;top:0;z-index:50;background:rgba(11,11,11,.97);backdrop-filter:blur(6px);border-bottom:2px solid var(--gold);color:#f2ede2}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px}
.lock{display:flex;align-items:center;gap:14px}.lock img{height:30px;width:auto;position:relative;top:-5px}.lock span{font:700 21px/1 Jost,Futura,'Century Gothic',sans-serif;letter-spacing:.07em;text-transform:uppercase;color:var(--gold);white-space:nowrap}
nav{display:flex;align-items:center;gap:30px;font-size:15px;font-weight:500}
nav a:not(.btn):hover{color:var(--gold)}
nav .btn{padding:11px 18px;font-size:14px}
.burger{display:none;background:none;border:0;width:40px;height:40px}
/* hero */
.hero{position:relative;color:#fff;background:var(--ink) url(/img/new-front.webp) center 40%/cover;min-height:640px;display:flex;align-items:center}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,15,18,.94) 0%,rgba(14,15,18,.82) 45%,rgba(14,15,18,.35) 100%)}
.hero .wrap{position:relative;width:100%;padding-top:90px;padding-bottom:90px}
.hero h1{font-size:clamp(40px,5.6vw,66px);max-width:720px;margin:18px 0 22px}
.hero h1 em{color:var(--brass2);font-style:italic}
.hero p.lead{font-size:19px;max-width:560px;color:#e6e1d6;margin-bottom:34px}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap}
.hero .note{margin-top:30px;font-size:14px;color:#bfb8aa;display:flex;align-items:center;gap:10px}
.hero .note:before{content:"";width:34px;height:1px;background:var(--brass)}
/* trust */
.trust{background:var(--cream);border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.trust div{padding:34px 22px;border-left:1px solid var(--line)}.trust div:first-child{border-left:0}
.trust b{display:block;font-family:'Libre Caslon Text',serif;font-weight:400;font-size:34px;color:var(--red);line-height:1.1}
.trust span{font-size:14px;color:var(--mut)}
/* coverage */
section{padding:100px 0}
.head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:50px;flex-wrap:wrap}
.head p{max-width:470px;color:var(--mut)}
.cov{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.cov a{background:#fff;padding:36px 32px;transition:.2s;position:relative}
.cov a:hover{background:var(--cream)}
.cov svg{width:34px;height:34px;color:var(--red);margin-bottom:22px}
.cov h3{font-size:23px;margin-bottom:8px}.cov p{font-size:15px;color:var(--mut)}
.cov .more{display:inline-block;margin-top:16px;font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--red)}
/* heritage */
.heritage{background:var(--ink);color:#fff}
.heritage .wrap{display:grid;grid-template-columns:1fr 1.05fr;gap:80px;align-items:center}
.plaque{position:relative}.plaque img{border:1px solid #3a3a3a;box-shadow:0 30px 60px rgba(0,0,0,.4)}
.plaque .tag{position:absolute;right:-18px;bottom:-26px;background:var(--brass);color:var(--ink);padding:18px 22px;font-family:'Libre Caslon Text',serif;font-size:15px;line-height:1.35;max-width:220px}
.heritage p{color:#cfc9bd;margin-bottom:18px}
.heritage blockquote{font-family:'Libre Caslon Text',serif;font-style:italic;font-size:22px;color:var(--brass2);border-left:2px solid var(--brass);padding-left:20px;margin:28px 0}
/* why independent */
.why .wrap{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:start}
.steps{display:grid;gap:26px}
.steps>div{display:grid;grid-template-columns:52px 1fr;gap:18px}
.steps i{font-style:normal;font-family:'Libre Caslon Text',serif;font-size:30px;color:var(--brass);line-height:1}
.steps h3{font-size:21px;margin-bottom:4px}.steps p{color:var(--mut);font-size:15px}
.reach{background:var(--cream);padding:34px;border-top:3px solid var(--red);margin-top:30px}
.reach h3{font-size:22px;margin-bottom:8px}.reach p{color:var(--mut);font-size:15px}
/* carriers */
.carriers{padding:70px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.carriers .eyebrow{text-align:center;margin-bottom:26px}
.clist{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 34px;font-family:'Libre Caslon Text',serif;font-size:20px;color:#3b3e45}
.clist span:after{content:"·";margin-left:34px;color:var(--brass)}.clist span:last-child:after{content:""}
.carriers small{display:block;text-align:center;margin-top:22px;color:var(--mut);font-size:14px}
/* client services */
.svc .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.svc .card{border:1px solid var(--line);padding:34px;display:flex;flex-direction:column}
.svc .card h3{font-size:22px;margin:6px 0 10px}.svc .card p{color:var(--mut);font-size:15px;flex:1}
.svc .card .btn{margin-top:22px;align-self:flex-start;border:1px solid var(--ink);padding:11px 18px;font-size:14px}
.svc .card .btn:hover{background:var(--ink);color:#fff}
/* people + visit */
.visit{background:var(--cream)}
.visit .wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:60px;align-items:stretch}
.people{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:30px}
.person{background:#fff;padding:24px;border:1px solid var(--line)}
.person b{display:block;font-family:'Libre Caslon Text',serif;font-weight:400;font-size:19px}
.person span{font-size:14px;color:var(--mut)}
.person a{display:block;margin-top:10px;font-size:14px;font-weight:600;color:var(--red)}
.vcard{background:var(--ink);color:#fff;display:flex;flex-direction:column}
.vcard img{height:240px;object-fit:cover;width:100%}
.vcard .in{padding:34px}
.vcard h3{font-size:26px;margin-bottom:14px}
.vcard dl{display:grid;grid-template-columns:90px 1fr;gap:8px 14px;font-size:15px;color:#d8d2c6}
.vcard dt{color:var(--brass2);font-size:12px;letter-spacing:.14em;text-transform:uppercase;padding-top:3px}
.vcard .btn{margin-top:26px}
/* footer */
footer{background:#0E0F12;color:#9d988e;font-size:14px;padding:60px 0 30px}
footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
footer .lock{margin-bottom:18px}footer .lock img{height:22px;top:-4px}footer .lock span{font-size:16px}
footer h4{color:#fff;font-size:13px;letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px}
footer li{list-style:none;margin-bottom:8px}footer a:hover{color:#fff}
footer .legal{grid-column:1/-1;border-top:1px solid #23252a;padding-top:22px;margin-top:20px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:12.5px}
.mk-flag{position:fixed;left:14px;bottom:18px;z-index:9000;background:#0E1A33;color:#fff;border-left:3px solid #A74745;font:600 12px/1 Inter,sans-serif;letter-spacing:.08em;text-transform:uppercase;padding:10px 14px;border-radius:999px;box-shadow:0 6px 18px rgba(0,0,0,.2)}
@media(max-width:980px){
 nav a:not(.btn){display:none}.burger{display:block}
 .trust .wrap{grid-template-columns:1fr 1fr}.trust div:nth-child(3){border-left:0}.trust div{border-top:1px solid var(--line)}
 .cov,.svc .grid{grid-template-columns:1fr 1fr}
 .heritage .wrap,.why .wrap,.visit .wrap{grid-template-columns:1fr;gap:50px}
 footer .wrap{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
 .top .hide-m{display:none}.top .wrap{justify-content:center}
 header .wrap{height:66px}.lock{gap:8px}.lock img{height:20px;top:-3px}.lock span{font-size:13.5px;letter-spacing:.04em}nav .btn{display:none}
 .hero{min-height:0;background-position:62% center}.hero:before{background:linear-gradient(180deg,rgba(14,15,18,.78),rgba(14,15,18,.92))}
 .hero .wrap{padding-top:70px;padding-bottom:70px}.hero p.lead{font-size:17px}
 .hero .cta .btn{width:100%;justify-content:center}
 section{padding:70px 0}
 .trust b{font-size:28px}.trust div{padding:24px 16px}
 .cov,.svc .grid,.people{grid-template-columns:1fr}
 .plaque .tag{position:static;max-width:none;margin-top:0}
 footer .wrap{grid-template-columns:1fr}
}

/* quote */
#quote{scroll-margin-top:80px;background:#fff;border-top:1px solid var(--line)}
.qwrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;align-items:start}
.qwrap .intro p{color:var(--mut)}
.qwrap .intro ul{list-style:none;margin:22px 0 0;font-size:15px}
.qwrap .intro li{padding:8px 0 8px 26px;border-bottom:1px solid var(--line);position:relative}
.qwrap .intro li:before{content:"";position:absolute;left:4px;top:15px;width:10px;height:6px;border-left:2px solid var(--brass);border-bottom:2px solid var(--brass);transform:rotate(-45deg)}
.qform{border:1px solid var(--line);background:var(--cream);padding:32px}
.qtypes{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:8px 0 24px}
.qtypes button{border:1px solid #cfc5b2;background:#fff;color:var(--ink);font:600 14px Inter,sans-serif;padding:14px 10px;cursor:pointer;border-radius:2px;transition:.15s;text-align:center}
.qtypes button:hover{border-color:var(--ink)}
.qtypes button.on{background:var(--ink);color:#fff;border-color:var(--ink)}
.qlbl{display:block;font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink2);margin:0 0 8px}
.qgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.qgrid .full{grid-column:1/-1}
.qform input,.qform select,.qform textarea{width:100%;border:1px solid #cfc5b2;background:#fff;padding:13px 12px;font:16px Inter,sans-serif;color:var(--ink);border-radius:2px}
.qform textarea{min-height:90px;resize:vertical}
.qform label.f span{display:block;font-size:13px;font-weight:600;margin:0 0 5px}
.qchecks{display:flex;flex-wrap:wrap;gap:8px}
.qchecks label{display:inline-flex;align-items:center;gap:7px;border:1px solid #cfc5b2;background:#fff;padding:9px 12px;font-size:14px;cursor:pointer;border-radius:2px}
.qchecks input{width:auto;margin:0;accent-color:var(--red)}
.qset{display:none;margin:0 0 18px}.qset.on{display:block}
.qsec{border-top:1px solid #ddd3c1;margin:22px 0 18px;padding-top:20px}
.qform .btn-red{border:0;cursor:pointer;margin-top:18px;width:100%;justify-content:center;font-size:16px}
.qnote{font-size:13px;color:var(--mut);margin-top:12px}
.qdone{display:none;text-align:center;padding:30px 10px}.qdone h3{font-size:26px;margin:0 0 10px}
@media(max-width:980px){.qwrap{grid-template-columns:1fr;gap:36px}}
@media(max-width:640px){.qtypes{grid-template-columns:1fr 1fr}.qgrid{grid-template-columns:1fr}.qform{padding:22px 18px}}

header nav a.on{color:var(--gold)}
.mnav{display:none;position:fixed;left:0;right:0;top:var(--mt,66px);max-height:calc(100vh - var(--mt,66px));overflow-y:auto;overscroll-behavior:contain;background:#0B0B0B;z-index:49;padding:10px 24px 24px;border-bottom:2px solid var(--gold)}
.mnav a{display:block;color:#f2ede2;padding:13px 0;border-bottom:1px solid #222;font-weight:500}
.mnav .btn{display:flex;margin-top:16px;justify-content:center;border:0;color:#0B0B0B;font-weight:700}
body.nav-open .mnav{display:block}
.phero{background:#0B0B0B;color:#fff;padding:84px 0 70px;position:relative;overflow:hidden}
.phero:after{content:"";position:absolute;right:-60px;top:-40px;width:420px;height:420px;background:url(/img/jjf_gold.svg) no-repeat center/contain;opacity:.06}
.phero h1{font-size:clamp(34px,4.6vw,54px);max-width:820px;margin:14px 0 16px}
.phero p{color:#d8d2c6;font-size:18px;max-width:640px}
.crumb{font-size:13px;color:#a9a294;margin-bottom:6px}.crumb a{color:var(--gold)}
.phero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.two{display:grid;grid-template-columns:1.25fr .75fr;gap:70px;align-items:start}
.astick{position:sticky;top:calc(var(--hh,110px) + 24px)}
.astick .plaque{margin-top:16px!important}.astick .plaque{background:#2a2c33}.astick .plaque img{display:block;width:100%;height:170px;object-fit:contain}.astick .founder{margin-top:16px;padding:16px 18px;grid-template-columns:96px 1fr;gap:16px}.astick .founder img{width:96px;height:96px}.astick .founder blockquote{font-size:16px;margin:4px 0 6px}
@media(max-height:720px){.astick{position:static}}
@media(max-width:980px){.astick{position:static}}
.ticks{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px 26px;margin:20px 0 10px}
.ticks li{padding-left:26px;position:relative;font-size:16px}
.ticks li:before{content:"";position:absolute;left:3px;top:8px;width:11px;height:6px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.side{position:sticky;top:100px;background:#0B0B0B;color:#fff;padding:32px;border-top:3px solid var(--gold)}
.side h3{font-size:24px;margin-bottom:10px}.side p{color:#cfc9bd;font-size:15px;margin-bottom:20px}
.side .btn{width:100%;justify-content:center;margin-bottom:10px}
.side .btn-line{border-color:#555}
.acards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.acard{border:1px solid var(--line);padding:26px;display:flex;flex-direction:column;background:#fff;transition:.2s}
.acard:hover{border-color:var(--gold);box-shadow:0 10px 30px rgba(0,0,0,.06)}
.acard .eyebrow{color:var(--red);font-size:11px}.acard h3{font-size:20px;margin:8px 0 8px}.acard p{font-size:14.5px;color:var(--mut);flex:1}
.acard span.more{margin-top:14px;font-size:13px;font-weight:600;color:var(--red);letter-spacing:.05em;text-transform:uppercase}
.prose{max-width:720px}
.prose .lead{font-size:20px;line-height:1.6;color:#2a2a2a;margin-bottom:10px}
.prose h2{font-size:28px;margin:40px 0 12px}
.prose p{margin:0 0 16px;font-size:17px;color:#2b2b2b}
.prose ul{margin:0 0 18px 0;padding-left:22px}.prose li{margin:0 0 8px;font-size:17px}
.prose .take{background:var(--cream);border-left:3px solid var(--gold);padding:22px 24px;margin-top:34px}
.disc{font-size:13px;color:var(--mut);margin-top:26px;border-top:1px solid var(--line);padding-top:16px}
.marquee{overflow:hidden;position:relative;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.mtrack{display:flex;gap:46px;width:max-content;animation:mq 45s linear infinite;align-items:center}
.marquee:hover .mtrack{animation-play-state:paused}
.mtrack img{height:62px;width:auto;flex:none;mix-blend-mode:multiply}
@keyframes mq{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.mtrack{animation:none;flex-wrap:wrap;width:auto;justify-content:center}}
.drive{background:#0B0B0B;color:#fff}
.drive .wrap{display:grid;grid-template-columns:auto 1fr auto;gap:40px;align-items:center}
.drive img{height:150px;width:auto;border:1px solid #333}
.drive h2{color:#fff;margin:8px 0 8px;font-size:clamp(26px,3vw,34px)}.drive p{color:#cfc9bd;max-width:620px}
.claims{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.claims div{background:#fff;padding:20px 22px}.claims b{display:block;font-family:'Libre Caslon Text',serif;font-weight:400;font-size:19px;margin-bottom:6px}
.claims span{display:block;font-size:14.5px;color:#333}.claims a{color:var(--red);font-weight:600}
.lists{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.lists ul{list-style:none;columns:2;gap:24px}.lists li{padding:7px 0;border-bottom:1px solid var(--line);font-size:15.5px;break-inside:avoid}
.vid{position:relative;padding-top:56.25%;background:#000}.vid iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.calc{border:1px solid var(--line);background:var(--cream);padding:28px}
.calc .qgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc input{width:100%;border:1px solid #cfc5b2;background:#fff;padding:12px;font:16px Inter,sans-serif}
.calc label span{display:block;font-size:13px;font-weight:600;margin-bottom:5px}
.calc .res{margin-top:18px;font-family:'Libre Caslon Text',serif;font-size:30px;color:var(--ink)}
.cform{border:1px solid var(--line);background:var(--cream);padding:30px}
.cform .qgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.cform .full{grid-column:1/-1}
.cform input,.cform select,.cform textarea{width:100%;border:1px solid #cfc5b2;background:#fff;padding:13px 12px;font:16px Inter,sans-serif;border-radius:2px}
.cform textarea{min-height:110px}.cform label span{display:block;font-size:13px;font-weight:600;margin-bottom:5px}
.cform .btn{border:0;cursor:pointer;margin-top:18px}
.cdone{display:none;padding:20px 0}
.cats{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 40px}
.cats a{border:1px solid var(--line);padding:9px 16px;font-size:14px;font-weight:600}.cats a:hover{border-color:var(--gold)}
.rnav{position:sticky;top:var(--hh,66px);z-index:40;background:#fff;margin:0 -24px 40px;padding:12px 24px;display:flex;align-items:center;gap:12px;border-bottom:1px solid transparent;transition:box-shadow .2s,border-color .2s}
.rnav.stuck{box-shadow:0 8px 18px -12px rgba(0,0,0,.35);border-bottom-color:var(--line)}
.rnav .cats{margin:0;flex:1;min-width:0}
.rnav .cats a.on{background:#0B0B0B;color:#fff;border-color:#0B0B0B}
.rtop{display:none;white-space:nowrap;font-size:13px;font-weight:700;border:1px solid var(--line);padding:9px 14px}
.rnav.stuck .rtop{display:inline-block}
.rnav.stuck .cats{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;-webkit-mask-image:linear-gradient(90deg,#000 92%,transparent)}
.rnav.stuck .cats::-webkit-scrollbar{display:none}
.rnav.stuck .cats a{white-space:nowrap;padding:7px 13px;font-size:13px}
.rsec .catblock{scroll-margin-top:calc(var(--hh,66px) + 80px)}
@media(max-width:760px){.rnav{margin:0 -20px 28px;padding:10px 20px}.rnav .cats{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none}.rnav .cats::-webkit-scrollbar{display:none}.rnav .cats a{white-space:nowrap;padding:7px 12px;font-size:13px}.rtop{padding:7px 10px}}

.catblock{margin-bottom:60px;scroll-margin-top:100px}.catblock h2{font-size:30px;margin-bottom:22px}
.map iframe{width:100%;height:340px;border:0;filter:grayscale(.3)}
.ent{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:40px}
.ent>div{border:1px solid var(--line);padding:30px;border-top:3px solid var(--gold)}
.ent h3{font-size:24px;margin-bottom:10px}.ent p{font-size:15.5px;margin:4px 0}.ent a{color:var(--red);font-weight:600}
.qform.embed .qtypes{display:none}
.qform:not(.embed) .qhead p a{display:none}
.qhead h3{font-size:25px;margin:6px 0 6px}.qhead p{font-size:14.5px;color:var(--mut);margin-bottom:14px}.qhead a{color:var(--red);font-weight:600;white-space:nowrap}
.two .qform .qgrid,.two .qform .qtypes{grid-template-columns:1fr 1fr}
.two .qform{padding:26px;scroll-margin-top:90px}
.phero.ph{background-size:cover;background-position:center}
.phero.ph:after{display:none}
.covimg{display:block;max-width:none;width:calc(100% + 64px);margin:-36px -32px 22px;height:170px;object-fit:cover}
.acard .thumb{display:block;max-width:none;width:calc(100% + 52px);margin:-26px -26px 18px;height:150px;object-fit:cover}
.mbar{display:none}
@media(max-width:640px){
 .mbar{display:grid;grid-template-columns:1fr 1.4fr;position:fixed;left:0;right:0;bottom:0;z-index:9500;background:#0B0B0B;border-top:2px solid var(--gold);padding:8px 10px calc(8px + env(safe-area-inset-bottom));gap:8px}
 .mbar a{display:flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:15px;padding:13px 8px;border-radius:2px}
 .mbar .c{border:1px solid #555;color:#fff}.mbar .q{background:var(--gold);color:#0B0B0B}.mbar svg{width:17px;height:17px}
 body{padding-bottom:72px}
 .cmx-fab{bottom:84px!important}.mk-flag{bottom:84px!important}
}
footer .cols4{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
@media(max-width:980px){
 .two,.lists,.drive .wrap,.ent{grid-template-columns:1fr;gap:40px}.side{position:static}
 .acards,.claims{grid-template-columns:1fr 1fr}
 footer .cols4{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
 .acards,.claims,.ticks{grid-template-columns:1fr}.lists ul{columns:1}
 .phero{padding:60px 0 50px}.drive img{height:120px}
 .calc .qgrid,.cform .qgrid{grid-template-columns:1fr}
 footer .cols4{grid-template-columns:1fr}
}

/* 10-07 meeting changes */
.lock{flex-direction:column;align-items:center;gap:4px}
.lock .r1{display:flex;align-items:center;gap:14px}
.lock img.jng{height:20px;top:0}
header .lock .r1 img{height:23px;top:-3px}header .lock .fl{font-size:19px}
footer .lock{align-items:center;display:inline-flex}
.trust b{font-size:30px}
.founder{display:grid;grid-template-columns:120px 1fr;gap:22px;align-items:center;margin-top:30px;padding:24px;background:var(--cream);border-left:3px solid var(--gold)}
.founder img{width:120px;height:120px;object-fit:cover;filter:sepia(.25)}
.founder blockquote{font-family:'Libre Caslon Text',serif;font-style:italic;font-size:19px;line-height:1.4;margin:6px 0 10px}
.founder b{display:block;font-family:'Libre Caslon Text',serif;font-weight:400;font-size:17px}.founder span{font-size:13.5px;color:var(--mut)}
.qform[data-type="biz"] .dob{display:none}
.relin{margin-top:46px}.relin h2{margin:6px 0 22px}.relin .acards{grid-template-columns:1fr 1fr}
.two .catblock{margin-top:46px;margin-bottom:0}
@media(min-width:981px){
 .qstick{position:sticky;top:calc(var(--hh,78px) + 20px)}
 .hero{background:var(--ink)}
 .hero:after{content:"";position:absolute;top:0;bottom:0;right:0;width:56%;background:url(/img/new-front.webp) 49% center/cover no-repeat}
 .hero:before{z-index:1;background:linear-gradient(90deg,#0E0F12 0%,#0E0F12 46%,rgba(14,15,18,.55) 57%,rgba(14,15,18,.12) 70%,rgba(14,15,18,0) 100%)}
 .hero .wrap{z-index:2}
}
@media(max-width:980px){
 .hero{background:var(--ink) url(/img/new-front.webp) center bottom/100% auto no-repeat;padding-bottom:50vw!important}
 .hero:before{background:linear-gradient(180deg,#0E0F12 0%,#0E0F12 calc(100% - 54vw),rgba(14,15,18,.15) calc(100% - 38vw),rgba(14,15,18,0) 100%)}
 .relin .acards{grid-template-columns:1fr}
}
@media(max-width:640px){
 .lock .r1{gap:8px}header .lock .r1 img{height:16px;top:-2px}header .lock .fl{font-size:12.5px}.lock img.jng{height:13px}.lock{gap:3px}
 .trust div.mhide{display:none}
 .trust b{font-size:24px}
 .marquee{-webkit-mask-image:none;mask-image:none}
 .mtrack{gap:28px;animation-duration:35s}
 .mtrack img{height:42px}.marquee:active .mtrack{animation-play-state:paused}
 .founder{grid-template-columns:90px 1fr;gap:16px;padding:18px}.founder img{width:90px;height:90px}.founder blockquote{font-size:17px}
}
/* metallic gold (10-07, replaces flat mustard) */
:root{--goldgrad:linear-gradient(180deg,#F3DC9B 0%,#D4AC5A 50%,#B8893A 100%)}
.lock span{background:var(--goldgrad);-webkit-background-clip:text;background-clip:text;color:transparent}
.btn-red,.mbar .btn,.mnav .btn{background:var(--goldgrad)}
.nbar{display:flex;justify-content:center;align-items:center;gap:14px;flex-wrap:wrap;background:var(--goldgrad);color:#0B0B0B;font-size:14px;font-weight:500;padding:9px 16px;text-align:center;text-decoration:none;line-height:1.35}
.nbar b{font-weight:700;white-space:nowrap;text-decoration:underline;text-underline-offset:3px}.nbar:hover b{color:#7a1f1f}
.nbar .show-m{display:none}
.nbar{position:sticky;top:0;z-index:51}header{top:var(--nbh,0px)!important}
.top .tr{display:inline-flex;align-items:center;gap:12px}.top a.fb{display:inline-flex;color:#D6AE5E}.top a.fb:hover{color:#fff}.fbf{display:inline-flex;align-items:center;gap:6px}
@media(max-width:760px){.nbar{font-size:13px;gap:8px;padding:8px 12px}.nbar .show-m{display:inline}.nbar .hide-m{display:none}}
.dcard{display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center;background:#0B0B0B;color:#fff;padding:28px;border-top:3px solid var(--gold)}
.dcard img{height:120px;width:auto;border:1px solid #333}.dcard p{color:#cfc9bd;margin:6px 0 0}
@media(max-width:760px){.dcard{grid-template-columns:1fr}}
.btn-red:hover{background:linear-gradient(180deg,#F8E7B6 0%,#DDB86A 50%,#C29444 100%)}

/* two-step progressive quote form (10-08) */
.qprog{margin:0 0 18px}.qsl{display:block;font-size:13px;color:var(--mut);margin-bottom:8px}.qsl b{color:var(--ink)}.qsl em{font-style:normal;font-weight:600;color:var(--ink)}
.qbar{height:4px;background:#e6dccb;border-radius:2px;overflow:hidden}.qbar i{display:block;height:100%;width:50%;background:var(--goldgrad,var(--gold));transition:width .3s}
.qform[data-step="2"] .qbar i{width:100%}
.qpane{display:none}.qpane.on{display:block}
.qform .qlater{display:none!important}
.qform .qnew{animation:qin .35s ease}@keyframes qin{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
.qcond{display:none!important}.qcond.on{display:grid!important}div.f.qcond.on,label.qcond.on{display:block!important}
.qgridin{grid-template-columns:1fr 1fr;gap:14px;grid-column:1/-1}
.qgrid4{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.qgrid4 label.f span{font-weight:500;font-size:12.5px}
.qform .ql{display:block;font-size:13px;font-weight:600;margin:0 0 6px}
.qradio label{padding:8px 12px}
.f.ynrow{display:flex;align-items:center;justify-content:space-between;gap:12px;border-bottom:1px solid #e6dccb;padding-bottom:10px}.f.ynrow .ql{margin:0;flex:1}.f.ynrow .qchecks{flex:none;flex-wrap:nowrap}.f.ynrow .qradio label{padding:6px 11px}
.qsub{margin-top:22px!important}
.qrep{margin:14px 0 0}.qrow{background:#fff;border:1px solid #e3d9c6;padding:14px;margin:0 0 12px;grid-template-columns:1fr 1fr}
.qrh{grid-column:1/-1;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--red)}
.qfile input{padding:10px;background:#fff}.qfile small{display:block;font-size:12.5px;color:var(--mut);margin-top:5px}
.qset .qgrid{margin-top:14px}
.qpick{font-size:14px;color:var(--mut);margin:4px 0 0}.qform[data-type] .qpick{display:none}
.qform.needtype:not([data-type]) .qpick{color:#9B1B1E;font-weight:600}
.qform .qnext{border:0;cursor:pointer;margin-top:18px;width:100%;justify-content:center;font-size:16px}
.qback{display:inline-block;font-size:14px;font-weight:600;color:var(--red);margin:0 0 16px}
.qform[data-type="biz"] .dob,.qform[data-type="auto"] .dob{display:none}
.qform.embed .qpane>.qlbl:first-child{display:none}
@media(min-width:981px){
 .qstick{position:sticky;top:calc(var(--hh,118px) + 16px)}
 .qstick .qform{padding:24px 26px}
}
@media(max-width:640px){.qgrid4{grid-template-columns:1fr 1fr}.qgridin{grid-template-columns:1fr}.qrow{grid-template-columns:1fr}}