:root{
  --black:#050505; --bg:#0c0b0a; --surface:#161412; --line:#2b2722;
  --cream:#f3eee6; --cream-2:#e9e2d6; --paper:#fbf9f5; --ink-dark:#1a1714; --muted-dark:#5f574d; --line-light:#ddd4c6;
  --ink:#ece4d6; --muted:#a89c8a;
  --tan:#aa9079; --tan-2:#c2a88f; --tan-deep:#8a725d;
  --display:'Zodiak',Georgia,serif; --body:'Satoshi',system-ui,sans-serif;
  --max:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:var(--body);color:var(--ink);background:var(--bg);font-size:1.0625rem;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--display);font-weight:700;line-height:1.08;letter-spacing:-.01em}
.eyebrow{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--tan)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 24px;border-radius:8px;font-weight:700;text-decoration:none;font-size:1rem;transition:transform .15s ease,background .15s ease,border-color .15s ease;cursor:pointer;border:0;font-family:inherit}
.btn:hover{transform:translateY(-1px)}
.btn svg{width:18px;height:18px;flex:none}
.btn-tan{background:var(--tan);color:#0b0a09}
.btn-tan:hover{background:var(--tan-2)}
.btn-line{background:transparent;color:var(--ink);border:1.5px solid rgba(170,144,121,.6)}
.btn-line:hover{border-color:var(--tan);background:rgba(170,144,121,.08)}
.check{width:18px;height:18px;flex:none;color:var(--tan)}

/* nav */
.nav{position:sticky;top:0;z-index:30;background:rgba(5,5,5,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:24px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none}
.brand img{width:42px;height:auto}
.brand b{display:block;font-size:1.05rem;letter-spacing:.02em}
.brand small{display:block;font-size:.68rem;color:var(--muted);letter-spacing:.14em;text-transform:uppercase;font-weight:700}
.nav-links{display:flex;gap:28px;list-style:none}
.nav-links a{text-decoration:none;font-weight:500;font-size:.95rem;color:#cfc4b3}
.nav-links a:hover{color:var(--tan-2)}
.nav-cta{display:flex;gap:10px}
.nav-cta .btn{padding:10px 18px;font-size:.93rem}

/* hero */
.hero{position:relative;overflow:hidden;background:var(--black)}
.hero-bg{position:absolute;inset:0;background:url(photos/hero-ranch.webp) center 60%/cover no-repeat}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,5,5,.92) 0%,rgba(5,5,5,.72) 45%,rgba(5,5,5,.35) 100%),linear-gradient(0deg,rgba(12,11,10,1) 0%,rgba(12,11,10,0) 30%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-top:96px;padding-bottom:110px}
.pill{display:inline-block;border:1.5px solid rgba(170,144,121,.7);border-radius:999px;padding:7px 16px;font-size:.75rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--tan-2)}
.hero h1{font-size:clamp(2.6rem,5.4vw,4.4rem);margin:22px 0 18px;max-width:14ch;color:#f5efe4}
.hero .lede{font-size:clamp(1.08rem,1.6vw,1.25rem);color:#d6ccbb;max-width:44ch}
.hero .cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.hero .cta .btn{padding:15px 26px;font-size:1.03rem}
.trust{display:flex;flex-wrap:wrap;gap:12px 28px;margin-top:30px;list-style:none;color:#d6ccbb;font-size:.95rem}
.trust li{display:flex;align-items:center;gap:8px}

/* form card */
.card-form{background:var(--paper);color:var(--ink-dark);border-radius:14px;overflow:hidden;box-shadow:0 30px 60px -20px rgba(0,0,0,.6)}
.card-form header{padding:24px 28px 18px;border-bottom:1px solid var(--line-light);background:#f6f1e9}
.card-form header .eyebrow{color:var(--tan-deep)}
.card-form header h2{font-size:1.65rem;margin:6px 0 4px}
.card-form header p{color:var(--muted-dark);font-size:.93rem}
.card-form form{padding:22px 28px 24px;display:grid;gap:14px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.card-form label{display:grid;gap:6px;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--muted-dark)}
.card-form textarea{font:inherit;font-size:16px;letter-spacing:0;text-transform:none;font-weight:400;padding:11px 12px;border:1.5px solid var(--line-light);border-radius:8px;background:#fff;color:var(--ink-dark);width:100%;resize:vertical;min-height:84px;line-height:1.45}
.card-form textarea:focus{outline:none;border-color:var(--tan);box-shadow:0 0 0 3px rgba(170,144,121,.25)}
.card-form input,.card-form select{font:inherit;font-size:16px;letter-spacing:0;text-transform:none;font-weight:400;padding:11px 12px;border:1.5px solid var(--line-light);border-radius:8px;background:#fff;color:var(--ink-dark);width:100%}
.card-form input:focus,.card-form select:focus{outline:none;border-color:var(--tan);box-shadow:0 0 0 3px rgba(170,144,121,.25)}
.consent{display:flex!important;grid-template-columns:none!important;gap:10px!important;align-items:flex-start;text-transform:none!important;letter-spacing:0!important;font-weight:400!important;font-size:.8rem!important;line-height:1.45;color:var(--muted-dark);background:#f6f1e9;border:1px solid var(--line-light);border-radius:8px;padding:12px}
.consent input{width:16px!important;height:16px;margin-top:2px;flex:none;accent-color:var(--tan-deep)}
.personal{text-align:center;font-weight:700;font-size:.92rem}
.card-form .btn{width:100%;padding:15px;font-size:1.03rem}
.fine{text-align:center;font-size:.8rem;color:var(--muted-dark)}
#formnote.err{color:#9b3d1c}
.sent{text-align:center;padding:28px 8px;display:grid;justify-items:center;gap:10px}
.sent .check{color:var(--tan-deep)}
.sent h3{font-size:1.6rem}
.sent p{color:var(--muted-dark);max-width:36ch}
.sent a{font-weight:700}
.card-form button:disabled{opacity:.7;cursor:wait}

/* barbed wire */
.wire{height:28px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='96' height='28' viewBox='0 0 96 28'%3E%3Cg fill='none' stroke='%23aa9079' stroke-linecap='round'%3E%3Cpath d='M0 14 Q12 10 24 14 T48 14 T72 14 T96 14' stroke-width='1.6'/%3E%3Cpath d='M0 14 Q12 18 24 14 T48 14 T72 14 T96 14' stroke-width='1.6'/%3E%3Cpath d='M42 6 L54 22 M54 6 L42 22' stroke-width='1.5'/%3E%3Cellipse cx='48' cy='14' rx='3.2' ry='2.4' stroke-width='1.5'/%3E%3C/g%3E%3C/svg%3E") repeat-x center;opacity:.6}
.wire-dark{background-color:var(--bg)}
.wire-light{background-color:var(--cream);opacity:1;filter:none}
.wire-short{width:192px;height:28px;margin:12px 0 0}
.center .wire-short{margin-left:auto;margin-right:auto}

/* sections */
section{padding:100px 0}
.light{background:var(--cream);color:var(--ink-dark)}
.light .eyebrow{color:var(--tan-deep)}
.head{max-width:680px;margin-bottom:52px}
.head.center{margin-left:auto;margin-right:auto;text-align:center}
.head h2{font-size:clamp(2rem,4vw,3rem);margin-top:10px}
.head p{margin-top:16px;color:var(--muted)}
.light .head p{color:var(--muted-dark)}

/* benefit cards */
.cards4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{background:var(--paper);border:1px solid var(--line-light);border-radius:12px;padding:26px 24px}
.card .ic{width:40px;height:40px;border-radius:10px;display:grid;place-items:center;background:#efe6d9;color:var(--tan-deep);margin-bottom:16px}
.card .ic svg{width:21px;height:21px}
.card h3{font-family:var(--body);font-size:1.08rem;font-weight:700;margin-bottom:6px}
.card p{color:var(--muted-dark);font-size:.95rem}
.cards4.pad-top{margin-top:0}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{position:relative;background:var(--paper);border:1px solid var(--line-light);border-radius:12px;padding:32px 28px 30px;overflow:hidden}
.step .n{position:absolute;top:14px;right:20px;font-family:var(--display);font-size:3.6rem;color:#e7dccb;line-height:1}
.step .ic{width:44px;height:44px;border-radius:10px;display:grid;place-items:center;background:var(--ink-dark);color:var(--tan);margin-bottom:22px}
.step .ic svg{width:22px;height:22px}
.step h3{font-size:1.45rem;margin-bottom:8px;position:relative}
.step p{color:var(--muted-dark);position:relative}

/* middleman split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.photo{position:relative;border-radius:14px;overflow:hidden;aspect-ratio:4/3.4}
.photo img{width:100%;height:100%;object-fit:cover}
.photo figcaption{position:absolute;left:0;right:0;bottom:0;padding:28px;background:linear-gradient(0deg,rgba(5,5,5,.92),rgba(5,5,5,0));font-family:var(--display);font-size:1.5rem;line-height:1.2;color:#f5efe4}
.values{list-style:none;display:grid;gap:4px;margin-top:30px}
.values li{display:flex;gap:14px;padding:16px 0;border-bottom:1px solid var(--line)}
.values li:last-child{border-bottom:0}
.values b{display:block;font-size:1.05rem}
.values span{color:var(--muted);font-size:.95rem}
.values .check{margin-top:4px}

/* benefits grid (dark) */
.dark-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.dcard{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:26px 24px}
.dcard h3{font-family:var(--body);font-size:1.05rem;font-weight:700;margin:14px 0 6px;color:var(--ink)}
.dcard p{color:var(--muted);font-size:.94rem}
.dcard .check{width:22px;height:22px}

/* compare table */
.table-wrap{border-radius:14px;overflow:hidden;border:1px solid var(--line-light);background:var(--paper)}
table{width:100%;border-collapse:collapse;font-size:.98rem}
th,td{text-align:left;padding:16px 22px;border-bottom:1px solid var(--line-light);vertical-align:top}
tr:last-child td{border-bottom:0}
thead th{font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;background:var(--ink-dark);color:#cfc4b3}
thead th.us{background:var(--tan);color:#0b0a09}
td:first-child{font-weight:700;width:26%}
td.us{background:#f6efe4;font-weight:500}
td .cell{display:flex;gap:9px;align-items:flex-start}
td .x{width:16px;height:16px;flex:none;color:#a09584;margin-top:3px}
td .check{color:var(--tan-deep);margin-top:2px;width:17px;height:17px}
.table-note{margin-top:16px;font-size:.88rem;color:var(--muted-dark)}

/* situations */
.situ{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:start}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.chip{display:flex;align-items:center;gap:10px;background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:14px 16px;font-weight:500}

/* agents */
.agents{padding:60px 0;background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.agents .wrap{display:grid;grid-template-columns:auto 1fr auto;gap:44px;align-items:center}
.agents h3{font-size:clamp(1.6rem,3vw,2.2rem);margin-top:6px}
.agents p{color:var(--muted);max-width:52ch}

/* faq */
.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:start}
.faq .head{margin-bottom:0;position:sticky;top:110px}
details{background:var(--paper);border:1px solid var(--line-light);border-radius:10px;margin-bottom:10px}
summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:700;display:flex;justify-content:space-between;gap:16px;align-items:center}
summary::-webkit-details-marker{display:none}
summary::after{content:"";width:10px;height:10px;border-right:2px solid var(--tan-deep);border-bottom:2px solid var(--tan-deep);transform:rotate(45deg);transition:transform .2s ease;flex:none;margin-top:-4px}
details[open] summary::after{transform:rotate(-135deg);margin-top:4px}
details p{padding:0 22px 20px;color:var(--muted-dark)}

/* final cta */
.final{position:relative;overflow:hidden;text-align:center;padding:120px 0}
.final .bg{position:absolute;inset:0;background:url(photos/hero-ranch.webp) center 40%/cover}
.final .bg::after{content:"";position:absolute;inset:0;background:rgba(5,5,5,.82)}
.final .wrap{position:relative}
.final h2{font-size:clamp(2.1rem,4.4vw,3.3rem);max-width:18ch;margin:12px auto 16px;color:#f5efe4}
.final p{color:#d6ccbb;max-width:52ch;margin:0 auto}
.final .cta{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-top:32px}
.final .note{display:inline-block;margin-top:22px;border:1px solid rgba(170,144,121,.5);border-radius:999px;padding:6px 16px;font-size:.85rem;color:#cfc4b3}

/* footer */
footer{background:var(--black);border-top:1px solid var(--line);padding:64px 0 30px;color:var(--muted);font-size:.94rem}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:48px}
.foot p{max-width:38ch;margin-top:16px}
.foot h4{font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;color:var(--tan);margin-bottom:14px}
.foot ul{list-style:none;display:grid;gap:8px}
.foot a{text-decoration:none;color:#cfc4b3}
.foot a:hover{color:var(--tan-2)}
.copy{margin-top:48px;padding-top:22px;border-top:1px solid var(--line);font-size:.84rem;text-align:center}
.mobile-bar{display:none}

@media (max-width:1040px){
  .nav-links{display:none}
  .cards4,.dark-cards{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:860px){
  .hero .wrap,.split,.situ,.faq,.foot{grid-template-columns:1fr}
  .hero .wrap{padding-top:56px;padding-bottom:72px;gap:40px}
  .steps{grid-template-columns:1fr}
  .agents .wrap{grid-template-columns:1fr;gap:18px}
  .agents .btn{justify-self:start}
  .faq .head{position:static}
  section{padding:72px 0}
  .split,.situ,.faq{gap:40px}
  .nav-cta .btn-line{display:none}
  body{padding-bottom:74px}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:40;background:rgba(5,5,5,.96);border-top:1px solid var(--line);padding:10px}
  th,td{padding:13px 14px;font-size:.9rem}
}
@media (max-width:560px){
  .cards4,.dark-cards,.chips{grid-template-columns:1fr}
  .grid3,.grid2{grid-template-columns:1fr}
  .brand small{display:none}
  .table-wrap{overflow-x:auto}
  table{min-width:560px}
}

.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--tan-2);text-decoration:none}
.post-hero{position:relative;background:var(--black);overflow:hidden}
.post-hero .bg{position:absolute;inset:0;background-size:cover;background-position:center}
.post-hero .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(12,11,10,1) 0%,rgba(5,5,5,.78) 45%,rgba(5,5,5,.6) 100%)}
.post-hero .wrap{position:relative;padding-top:84px;padding-bottom:64px;max-width:860px}
.post-hero h1{font-size:clamp(2.2rem,4.6vw,3.5rem);color:#f5efe4;margin:12px 0 16px}
.post-hero .meta{color:#cfc4b3;font-size:.92rem}
.article{max-width:760px;margin:0 auto;padding:56px 24px 40px;font-size:1.1rem;line-height:1.75;color:#ddd3c3}
.article h2{font-size:clamp(1.5rem,2.6vw,1.95rem);color:#f5efe4;margin:44px 0 14px}
.article p{margin:0 0 18px}
.article ul,.article ol{margin:0 0 20px 1.3em;display:grid;gap:8px}
.article strong{color:#f5efe4}
.tbl{overflow-x:auto;margin:0 0 22px;border:1px solid var(--line);border-radius:10px}
.tbl table{width:100%;border-collapse:collapse;font-size:.95rem;line-height:1.45}
.tbl th,.tbl td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tbl th{color:#f5efe4;background:var(--surface)}
.tbl td:first-child{color:#f5efe4;font-weight:700}
.tbl tr:last-child td{border-bottom:0}
.tbl td:last-child{color:var(--tan-2)}
.tbl th{text-transform:none;letter-spacing:0}
@media(max-width:640px){.tbl table{table-layout:fixed;font-size:.8rem;min-width:0}.tbl th,.tbl td{padding:9px 7px}.tbl th:first-child,.tbl td:first-child{width:28%}}
.article a{color:var(--tan-2);font-weight:700}
.cta-box{max-width:760px;margin:0 auto 72px;padding:0 24px}
.cta-box .in{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.cta-box h3{font-size:1.6rem;color:#f5efe4}
.cta-box p{color:var(--muted);margin-top:6px}
.cta-box .btns{display:flex;flex-direction:column;gap:10px}
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.pcard{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:12px;overflow:hidden;text-decoration:none;transition:border-color .2s ease,transform .2s ease}
.pcard:hover{border-color:var(--tan);transform:translateY(-2px)}
.pcard img{aspect-ratio:16/9;object-fit:cover;width:100%}
.pcard .b{padding:22px 22px 24px;display:grid;gap:8px}
.pcard .cat{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--tan)}
.pcard h3{font-size:1.3rem;color:#f5efe4;line-height:1.2}
.pcard p{color:var(--muted);font-size:.94rem}
.pcard .more{color:var(--tan-2);font-weight:700;font-size:.92rem}
.light .pcard{background:var(--paper);border-color:var(--line-light)}
.light .pcard h3{color:var(--ink-dark)}
.light .pcard p{color:var(--muted-dark)}
.light .pcard .cat{color:var(--tan-deep)}
.light .pcard .more{color:var(--tan-deep)}
.ccard-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.ccard{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--surface);text-decoration:none;transition:border-color .2s ease}
.ccard:hover{border-color:var(--tan)}
.ccard img{width:100%;height:110px;object-fit:cover;display:block}
.ccard .b{padding:12px 14px;display:flex;flex-direction:column;gap:2px}
.ccard b{color:#f5efe4;font-family:var(--display);font-size:1.05rem}
.ccard span{color:var(--tan-2);font-size:.85rem;font-weight:700}
@media (max-width:960px){.ccard-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:620px){.ccard-grid{grid-template-columns:repeat(2,1fr)}.ccard img{height:90px}}
.county-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.county{display:flex;flex-direction:column;gap:4px;padding:18px 20px;border:1px solid var(--line);border-radius:10px;background:var(--surface);text-decoration:none;transition:border-color .2s ease}
.county:hover{border-color:var(--tan)}
.county b{color:#f5efe4;font-family:var(--display);font-size:1.1rem}
.county span{color:var(--tan-2);font-size:.88rem;font-weight:700}
.light .county{background:var(--paper);border-color:var(--line-light)}
.light .county b{color:var(--ink-dark)}
.light .county span{color:var(--tan-deep)}
@media (max-width:960px){.county-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:620px){.county-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:960px){.post-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.post-grid{grid-template-columns:1fr}.cta-box .in{grid-template-columns:1fr}}