:root{--paper:#f3efe6;--ink:#13212b;--rust:#b84d34;--fog:#d7dcda;--blue:#24485b;--line:#a7afa9;--white:#fffdf7;--max:1180px}
*{box-sizing:border-box}
html{background:var(--paper);color:var(--ink);font-family:ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.58}
body{margin:0;background:linear-gradient(180deg,#d9e0df 0 8rem,var(--paper) 21rem)}
a{color:var(--blue);text-underline-offset:.18em}
img{max-width:100%;display:block}
.bay-mast{max-width:var(--max);margin:auto;padding:1.2rem 1.3rem .8rem;display:grid;grid-template-columns:minmax(220px,.7fr) 2fr;gap:2rem;align-items:start}
.brand{display:flex;gap:.7rem;align-items:center;color:var(--ink);text-decoration:none;font-weight:780;letter-spacing:.02em}
.bridge-mark{display:grid;place-items:center;width:2.6rem;height:2.6rem;border:2px solid var(--rust);border-radius:50%;font-size:.78rem;color:var(--rust)}
.bay-nav{display:flex;gap:.45rem 1rem;justify-content:flex-end;flex-wrap:wrap;font-size:.82rem}
.bay-nav a{text-decoration:none;color:var(--ink);border-bottom:1px solid transparent}
.bay-nav a:hover,.bay-nav a:focus{border-color:var(--rust)}
main{max-width:var(--max);margin:auto;padding:1rem 1.3rem 4rem}
.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:.72rem;font-weight:760;color:var(--rust)}
h1,h2,h3{font-family:ui-serif,Georgia,Cambria,serif;line-height:1.08;margin-top:0}
h1{font-size:clamp(2.25rem,6vw,5.7rem);letter-spacing:-.045em}
h2{font-size:clamp(1.45rem,3vw,2.5rem)}
.feature-deck{display:grid;grid-template-columns:repeat(12,1fr);gap:1rem;padding-top:2rem}
.deck-heading{grid-column:1/-1;display:grid;grid-template-columns:1fr 2fr;gap:1rem;align-items:end;border-top:4px solid var(--ink);padding-top:1rem}
.deck-heading h1{font-size:clamp(2.6rem,6vw,6rem);margin-bottom:.4rem}
.deck-heading>p:last-child{max-width:36rem}
.feature-card{background:var(--white);border:1px solid var(--line);box-shadow:5px 6px 0 rgba(19,33,43,.12);padding:.75rem;align-self:start}
.feature-card.bridge{grid-column:1/6}
.feature-card.island{grid-column:6/10;margin-top:5rem}
.feature-card.cable{grid-column:10/13;margin-top:1.5rem}
.feature-card a:first-child{text-decoration:none;color:var(--ink);font-weight:760}
.feature-card img{width:100%;aspect-ratio:4/3;object-fit:cover;filter:saturate(.82) contrast(1.03)}
.feature-card span{display:block;margin-top:.65rem;text-transform:uppercase;letter-spacing:.1em;font-size:.76rem}
.feature-card p{font-family:ui-serif,Georgia,serif;font-size:1.08rem}
.feature-card small{font-size:.68rem;color:#4c585d}
.intro-grid{margin:6rem 0 2rem;display:grid;grid-template-columns:.85fr 1.6fr;gap:4rem;border-top:1px solid var(--line);padding-top:2rem}
.opening-brief{position:sticky;top:1rem;align-self:start}
.topic-index{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--ink)}
.topic-index a{display:grid;grid-template-columns:1fr 1.4fr;gap:.6rem;text-decoration:none;color:var(--ink);padding:1.2rem .4rem;border-bottom:1px solid var(--line)}
.topic-index a:nth-child(odd){padding-right:1rem}
.topic-index a:nth-child(even){padding-left:1rem;border-left:1px solid var(--line)}
.topic-index span{font-size:.83rem;color:#4c585d}
.request-panel{margin:5rem 0 0;background:var(--blue);color:white;padding:clamp(1.5rem,4vw,3.5rem);display:grid;grid-template-columns:.8fr 1.2fr;gap:3rem}
.request-panel a{color:white}
.bay-form{display:grid;gap:1rem}
.bay-form label{display:grid;gap:.35rem;font-size:.83rem;font-weight:700}
.bay-form input,.bay-form select,.bay-form textarea{width:100%;border:1px solid #7b898e;background:#fff;padding:.76rem;font:inherit;color:#13212b}
.bay-form input:focus,.bay-form select:focus,.bay-form textarea:focus{outline:3px solid #efb850;outline-offset:2px}
.challenge-copy{background:rgba(255,255,255,.1);padding:1rem}
.challenge-copy p{font-size:.78rem;margin:.55rem 0 0}
.challenge-copy .page-challenge{min-height:1.4em;margin:0;font-weight:800;color:#ffe7ab}
.send-row button{border:0;background:var(--rust);color:#fff;padding:.82rem 1.2rem;font-weight:800;font:inherit;cursor:pointer}
.send-row button:disabled{opacity:.55}
.submit-note,.field-warning{font-size:.78rem}
.form-status{min-height:1.5rem;font-weight:700}
.guide-layout{display:grid;grid-template-columns:180px minmax(0,760px);gap:4rem;align-items:start}
.guide-index{position:sticky;top:1rem;border-top:4px solid var(--rust);padding-top:1rem;display:grid;gap:.6rem;font-size:.82rem}
.insurance-guide{background:var(--white);border-top:4px solid var(--ink);padding:clamp(1.3rem,4vw,3rem)}
.insurance-guide h1{font-size:clamp(2.4rem,5vw,4.7rem)}
.insurance-guide h2{margin-top:2.4rem;font-size:1.5rem}
.insurance-guide .lede{font-size:1.25rem;font-family:ui-serif,Georgia,serif;color:#344950}
.inline-request{grid-column:2;background:var(--blue);color:white;padding:2rem;margin-top:1.5rem}
.compact{grid-template-columns:1fr 1fr}
.compact .challenge-copy,.compact .send-row,.compact .form-status{grid-column:1/-1}
.next-step{margin-top:2rem}
.landmark-journal{max-width:900px}
.landmark-journal>h1{max-width:850px}
.landmark-journal figure{margin:2rem 0}
.landmark-journal figure img{width:100%;max-height:620px;object-fit:cover}
.landmark-journal figcaption{font-size:.72rem;background:var(--white);padding:.65rem}
.feature-copy{columns:2;column-gap:3rem}
.feature-copy p,.feature-copy h2,.feature-copy ul,.coverage-connection{break-inside:avoid}
.feature-copy h2{margin-top:2rem}
.coverage-connection{border:1px solid var(--rust);padding:1.2rem;background:#f8eee8;margin:2rem 0}
.quote-grid{display:grid;grid-template-columns:.72fr 1.28fr;gap:4rem;align-items:start}
.quote-form{background:var(--white);padding:2rem;border-top:5px solid var(--rust)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.privacy-ledger{max-width:900px}
.privacy-ledger>section{display:grid;grid-template-columns:220px 1fr;gap:2rem;border-top:1px solid var(--line);padding:2rem 0}
.privacy-ledger>section h2{font-size:1.35rem}
.bay-footer{max-width:var(--max);margin:auto;border-top:1px solid var(--ink);padding:1.5rem 1.3rem 3rem;display:grid;grid-template-columns:1fr 1fr 1.5fr;gap:2rem;font-size:.75rem}
.bay-footer div{display:flex;gap:1rem;flex-wrap:wrap}
@media(max-width:850px){.bay-mast{grid-template-columns:1fr}
.bay-nav{justify-content:flex-start}
.deck-heading{grid-template-columns:1fr}
.feature-card.bridge,.feature-card.island,.feature-card.cable{grid-column:1/-1;margin-top:0}
.feature-card{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.feature-card p,.feature-card small{grid-column:2}
.intro-grid,.request-panel,.quote-grid{grid-template-columns:1fr;gap:2rem}
.opening-brief{position:static}
.guide-layout{grid-template-columns:1fr;gap:1rem}
.guide-index{position:static;grid-template-columns:repeat(3,auto)}
.inline-request{grid-column:1}
.feature-copy{columns:1}
.privacy-ledger>section{grid-template-columns:1fr}
.bay-footer{grid-template-columns:1fr}
}
@media(max-width:560px){body{background:linear-gradient(180deg,#d9e0df 0 5rem,var(--paper) 15rem)}
.bay-nav{display:grid;grid-template-columns:1fr 1fr;width:100%}
.feature-card{display:block}
.feature-card p,.feature-card small{display:block}
.topic-index{grid-template-columns:1fr}
.topic-index a:nth-child(n){padding:1rem .2rem;border-left:0}
.compact,.two{grid-template-columns:1fr}
.compact .challenge-copy,.compact .send-row,.compact .form-status{grid-column:1}
.request-panel,.quote-form{padding:1.25rem}
h1{font-size:2.55rem}
}
@media(max-width:850px){
.bay-mast>*,.feature-deck>*,.deck-heading>*,.intro-grid>*,.request-panel>*,.guide-layout>*,.quote-grid>*,.privacy-ledger>section>*,.bay-footer>*{min-width:0}
.guide-index{grid-template-columns:repeat(3,minmax(0,1fr))}
}
@media(max-width:560px){
.inline-request{padding:1.25rem}
.guide-index{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:360px){
.bay-mast,main,.bay-footer{padding-left:.8rem;padding-right:.8rem}
.request-panel,.quote-form,.inline-request{padding:1rem}
h1{font-size:2.2rem}
}