/* ============================================================
   Fetchero Insurance — WebBlaze concept (unique design)
   Personality: warm, human, family-owned Ohio agency.
   NOT the Sun (private-bank serif) or OBF (bold condensed) systems.
   Type: Poppins (friendly geometric) / Inter (body)
   Palette: deep evergreen + warm cream + honey amber
   Feel: rounded, soft shadows, generous whitespace, personal
   ============================================================ */
:root{
  --green:#1E4034; --green-2:#2C5A49; --green-3:#122A22; --ink:#22302B; --soft:#5F6F68;
  --cream:#F7F2E8; --cream-2:#EFE7D6; --paper:#FFFFFF; --line:#E6DDCB;
  --amber:#E0A43B; --amber-d:#C98A22; --amber-soft:#FBEFD6; --sage:#8FB09E;
  --r:22px; --r-sm:14px; --ease:cubic-bezier(.22,1,.36,1);
  --head:'Poppins',system-ui,sans-serif; --sans:'Inter',system-ui,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
img{max-width:100%;display:block;}a{color:inherit;text-decoration:none;}svg{display:block;}
.wrap{width:min(1180px,92%);margin-inline:auto;}
h1,h2,h3,h4{font-family:var(--head);font-weight:600;letter-spacing:-.02em;line-height:1.08;color:var(--green);}
.ico{width:1.4em;height:1.4em;stroke:currentColor;stroke-width:1.7;fill:none;stroke-linecap:round;stroke-linejoin:round;flex:none;}
.eyebrow{font-family:var(--head);font-weight:600;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--amber-d);display:inline-flex;align-items:center;gap:9px;}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--amber);border-radius:2px;}
.center .eyebrow{justify-content:center;}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease);}
.reveal.in{opacity:1;transform:none;}
html:not(.js) .reveal{opacity:1;transform:none;}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1!important;transform:none!important;transition:none!important;}html{scroll-behavior:auto;}}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--head);font-weight:600;font-size:.94rem;padding:15px 28px;border-radius:999px;cursor:pointer;border:none;transition:transform .22s var(--ease),box-shadow .22s var(--ease),background .22s;}
.btn:active{transform:scale(.98);}
.btn:focus-visible{outline:3px solid var(--amber);outline-offset:3px;}
.btn-amber{background:var(--amber);color:var(--green-3);box-shadow:0 12px 26px -12px rgba(224,164,59,.75);}
.btn-amber:hover{background:var(--amber-d);transform:translateY(-2px);}
.btn-green{background:var(--green);color:#fff;}
.btn-green:hover{background:var(--green-2);transform:translateY(-2px);}
.btn-ghost{background:transparent;border:1.5px solid var(--line);color:var(--green);}
.btn-ghost:hover{background:#fff;transform:translateY(-2px);}
.btn-xl{padding:18px 38px;font-size:1.05rem;}

/* util + nav */
.util{background:var(--green-3);color:#cfe0d7;font-size:.82rem;}
.util-in{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:6px 22px;padding:9px 0;}
.util a{display:inline-flex;align-items:center;gap:7px;color:#cfe0d7;}.util a:hover{color:#fff;}
.util .ico{width:14px;height:14px;color:var(--amber);}.util-l{display:flex;flex-wrap:wrap;gap:6px 20px;}
.nav{position:sticky;top:0;z-index:60;background:rgba(247,242,232,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);}
.nav-in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0;}
.brand{display:flex;align-items:center;gap:12px;}
.brand .mark{width:42px;height:42px;flex:none;}
.brand .bt{font-family:var(--head);font-weight:700;font-size:1.16rem;color:var(--green);line-height:1;}
.brand .bs{font-family:var(--sans);font-weight:600;font-size:.6rem;letter-spacing:.13em;text-transform:uppercase;color:var(--amber-d);display:block;margin-top:3px;}
.nav-links{display:none;gap:30px;font-family:var(--head);font-weight:500;font-size:.94rem;color:var(--soft);}
@media(min-width:940px){.nav-links{display:flex;}}
.nav-links a{position:relative;}
.nav-links a:hover{color:var(--green);}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:6px;color:var(--green);margin-left:8px;}
.nav-toggle svg{width:28px;height:28px;stroke:currentColor;stroke-width:2;fill:none;stroke-linecap:round;}
@media(max-width:939px){
  .nav-in .btn-amber{margin-left:auto;padding:11px 18px;font-size:.85rem;}
  .nav-toggle{display:inline-flex;}
  .nav-links{display:flex;position:absolute;top:100%;left:0;right:0;flex-direction:column;gap:0;background:var(--cream);border-bottom:1px solid var(--line);box-shadow:0 24px 44px -24px rgba(18,42,34,.35);padding:6px 0;visibility:hidden;opacity:0;transform:translateY(-10px);transition:transform .25s var(--ease),opacity .25s,visibility .25s;}
  .nav-links.open{visibility:visible;opacity:1;transform:none;}
  .nav-links a{padding:15px 24px;font-size:1rem;color:var(--green);border-bottom:1px solid var(--line);}
  .nav-links a:last-child{border-bottom:0;}
}

/* hero — split (copy left, rounded photo right) */
.hero{padding:70px 0 40px;}
.hero-in{display:grid;grid-template-columns:1fr;gap:48px;align-items:center;}
@media(min-width:940px){.hero-in{grid-template-columns:1.05fr .95fr;gap:60px;}}
.hero h1{font-size:clamp(2.6rem,1.7rem+3.6vw,4.4rem);margin:20px 0 18px;letter-spacing:-.03em;}
.hero h1 em{font-style:normal;color:var(--amber-d);}
.hero p{font-size:clamp(1.08rem,1rem+.5vw,1.28rem);color:var(--soft);max-width:46ch;margin-bottom:28px;}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;align-items:center;}
.hero-call{display:inline-flex;align-items:center;gap:9px;font-family:var(--head);font-weight:600;color:var(--green);}
.hero-call .ico{width:18px;height:18px;color:var(--amber-d);}
.hero-mini{margin-top:28px;display:flex;flex-wrap:wrap;gap:10px 26px;color:var(--soft);font-size:.92rem;font-weight:500;}
.hero-mini span{display:inline-flex;align-items:center;gap:8px;}.hero-mini .ico{width:17px;height:17px;color:var(--green-2);}
.hero-photo{position:relative;}
.hero-photo .img{border-radius:var(--r);overflow:hidden;aspect-ratio:4/3.4;background-size:cover;background-position:center;box-shadow:0 40px 80px -40px rgba(18,42,34,.5);}
.hero-photo .badge{position:absolute;left:-18px;bottom:26px;background:#fff;border-radius:18px;box-shadow:0 24px 50px -24px rgba(18,42,34,.5);padding:16px 22px;display:flex;align-items:center;gap:13px;}
@media(max-width:520px){.hero-photo .badge{left:8px;}}
.hero-photo .badge .n{font-family:var(--head);font-weight:700;font-size:1.7rem;color:var(--green);line-height:1;}
.hero-photo .badge .t{font-size:.82rem;color:var(--soft);line-height:1.3;}

/* trust strip */
.trust{background:var(--green);color:#eaf3ee;}
.trust-in{display:grid;grid-template-columns:repeat(2,1fr);gap:26px 12px;padding:36px 0;text-align:center;}
@media(min-width:820px){.trust-in{grid-template-columns:repeat(4,1fr);}}
.trust .t b{font-family:var(--head);font-weight:700;font-size:2rem;color:#fff;display:block;line-height:1;}
.trust .t b em{font-style:normal;color:var(--amber);}
.trust .t span{font-size:.85rem;color:#a9c3b7;display:block;margin-top:8px;}

section{padding:90px 0;}
section[id]{scroll-margin-top:88px;}
.sec-head{max-width:56ch;margin-bottom:48px;}
.sec-head.center{margin-inline:auto;text-align:center;}
.sec-title{font-size:clamp(2rem,1.4rem+2.4vw,3rem);margin:14px 0 0;letter-spacing:-.025em;}
.lead{color:var(--soft);font-size:1.1rem;margin-top:16px;}
.center .lead{margin-inline:auto;}

/* coverage icon cards */
.cover-grid{display:grid;gap:22px;grid-template-columns:1fr;}
@media(min-width:640px){.cover-grid{grid-template-columns:repeat(2,1fr);}}
@media(min-width:980px){.cover-grid{grid-template-columns:repeat(4,1fr);}}
.cover{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:32px 28px;transition:transform .25s var(--ease),box-shadow .25s var(--ease);}
.cover:hover{transform:translateY(-6px);box-shadow:0 26px 54px -30px rgba(18,42,34,.4);}
.cover .ci{width:58px;height:58px;border-radius:18px;background:var(--amber-soft);color:var(--amber-d);display:grid;place-items:center;margin-bottom:20px;}
.cover .ci .ico{width:28px;height:28px;}
.cover h3{font-size:1.22rem;margin-bottom:9px;}
.cover p{color:var(--soft);font-size:.96rem;}

/* split (why us / photo) */
.split{display:grid;gap:52px;grid-template-columns:1fr;align-items:center;}
@media(min-width:900px){.split{grid-template-columns:1fr 1fr;}.split.rev .split-img{order:2;}}
.split-img{border-radius:var(--r);overflow:hidden;aspect-ratio:4/3;background-size:cover;background-position:center;box-shadow:0 34px 70px -36px rgba(18,42,34,.5);}
.split ul{list-style:none;display:flex;flex-direction:column;gap:18px;margin-top:20px;}
.split li{display:flex;gap:14px;align-items:flex-start;}
.split li .ci{width:40px;height:40px;border-radius:12px;background:var(--green);color:var(--amber);display:grid;place-items:center;flex:none;}
.split li .ci .ico{width:20px;height:20px;}
.split li b{color:var(--green);font-family:var(--head);font-weight:600;display:block;margin-bottom:2px;}
.split li p{color:var(--soft);font-size:.96rem;}

/* photo band */
.band{position:relative;color:#fff;isolation:isolate;overflow:hidden;border-radius:0;}
.band .bg{position:absolute;inset:0;z-index:-1;background-size:cover;background-position:center;}
.band .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,42,34,.9),rgba(18,42,34,.55) 62%,rgba(18,42,34,.3));}
.band .wrap{padding:100px 0;}
.band .eyebrow{color:var(--amber);}
.band h2{color:#fff;font-size:clamp(2rem,1.4rem+2.4vw,3rem);margin:12px 0 16px;max-width:20ch;}
.band p{color:rgba(255,255,255,.92);max-width:52ch;margin-bottom:26px;}

/* team */
.team-grid{display:grid;gap:24px;grid-template-columns:1fr;}
@media(min-width:760px){.team-grid{grid-template-columns:repeat(3,1fr);}}
.tm{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:32px 26px;text-align:center;transition:transform .25s var(--ease),box-shadow .25s var(--ease);}
.tm:hover{transform:translateY(-4px);box-shadow:0 24px 50px -30px rgba(18,42,34,.4);}
.tm .av{width:84px;height:84px;border-radius:50%;margin:0 auto 16px;display:grid;place-items:center;font-family:var(--head);font-weight:700;font-size:1.7rem;color:#fff;background:linear-gradient(135deg,var(--green-2),var(--green));border:3px solid var(--amber-soft);}
.tm h4{font-size:1.15rem;margin-bottom:3px;}
.tm .role{color:var(--amber-d);font-family:var(--head);font-weight:600;font-size:.82rem;letter-spacing:.04em;text-transform:uppercase;margin-bottom:10px;}
.tm p{color:var(--soft);font-size:.92rem;}

/* reviews */
.rev-grid{display:grid;gap:22px;grid-template-columns:1fr;}
@media(min-width:820px){.rev-grid{grid-template-columns:repeat(3,1fr);}}
.rev{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px 28px;}
.rev .stars{color:var(--amber);letter-spacing:3px;margin-bottom:14px;}
.rev p{color:var(--ink);font-size:1rem;line-height:1.6;margin-bottom:16px;}
.rev .who{font-family:var(--head);font-weight:600;color:var(--green);font-size:.9rem;}

/* quote / contact */
.quote{background:var(--cream-2);}
.quote-grid{display:grid;gap:48px;grid-template-columns:1fr;}
@media(min-width:900px){.quote-grid{grid-template-columns:1fr 1.05fr;}}
.loc{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px;}
.loc .ci{width:44px;height:44px;border-radius:13px;background:#fff;border:1px solid var(--line);color:var(--amber-d);display:grid;place-items:center;flex:none;}
.loc .ci .ico{width:21px;height:21px;}
.loc b{font-family:var(--head);font-weight:600;color:var(--green);display:block;}
.loc span,.loc a{color:var(--soft);font-size:.96rem;}.loc a:hover{color:var(--green);}
.cform{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:36px;box-shadow:0 40px 90px -46px rgba(18,42,34,.5);}
.cform h3{font-size:1.5rem;margin-bottom:4px;}
.cform .sub{color:var(--soft);font-size:.92rem;margin-bottom:22px;}
.cform label{display:block;font-family:var(--head);font-weight:500;font-size:.82rem;margin:14px 0 6px;color:var(--green);}
.cform input,.cform select,.cform textarea{width:100%;padding:14px 15px;border:1px solid var(--line);border-radius:12px;font-family:var(--sans);font-size:.96rem;background:var(--cream);color:var(--ink);min-height:50px;}
.cform textarea{resize:vertical;min-height:88px;}
.cform :focus{outline:none;border-color:var(--amber);box-shadow:0 0 0 3px rgba(224,164,59,.2);background:#fff;}
.cform .row{display:grid;gap:14px;grid-template-columns:1fr 1fr;}
@media(max-width:520px){.cform .row{grid-template-columns:1fr;}}
.cform button{width:100%;margin-top:22px;padding:17px;font-size:1.02rem;}
.cform .fine{text-align:center;color:var(--soft);font-size:.78rem;margin-top:14px;}

/* footer */
footer{background:var(--green-3);color:#a9c3b7;padding:62px 0 74px;font-size:.92rem;}
.foot-grid{display:grid;gap:32px;grid-template-columns:1fr;margin-bottom:34px;}
@media(min-width:760px){.foot-grid{grid-template-columns:1.7fr 1fr 1.3fr;}}
footer h4{font-family:var(--head);font-weight:600;font-size:.76rem;letter-spacing:.13em;text-transform:uppercase;color:var(--amber);margin-bottom:14px;}
footer a{color:#a9c3b7;line-height:1.95;}footer a:hover{color:#fff;}
.foot-brand .bt{font-family:var(--head);font-weight:700;color:#fff;font-size:1.3rem;}
.foot-brand p{margin-top:12px;max-width:40ch;}
.compliance{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.82rem;display:flex;flex-wrap:wrap;gap:8px 20px;justify-content:space-between;}
.sec-cream{background:var(--paper);}
.ribbon-note{position:fixed;bottom:0;left:0;right:0;z-index:80;background:var(--green-3);color:#eaf3ee;text-align:center;font-size:.8rem;padding:9px 14px;border-top:2px solid var(--amber);pointer-events:none;}
.ribbon-note b{color:var(--amber);}
::selection{background:var(--amber-soft);color:var(--green);}