/* Falk Agency — site stylesheet */
:root {
  --green: #62C81D;
  --green-dark: #4ea617;
  --green-tint: #eef9e6;
  --ink: #1a1f1a;
  --ink-soft: #4a524a;
  --line: #e2e6e2;
  --bg: #ffffff;
  --bg-alt: #f6f8f5;
  --max: 1120px;
  --radius: 10px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
}
img { max-width: 100%; height: auto; }
a { color: var(--green-dark); }
a:hover { color: var(--ink); }
h1, h2, h3, h4 { line-height: 1.2; margin: 0 0 .5em; font-weight: 700; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: 8px 12px; }
.skip:focus { left: 8px; z-index: 100; }

/* Header */
.topbar { background: var(--ink); color: #cfd6cf; font-size: .9rem; }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 6px; padding-bottom: 6px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar a:hover { color: var(--green); }
header.site { border-bottom: 1px solid var(--line); background: #fff; position: sticky; top: 0; z-index: 50; }
header.site .wrap { display: flex; align-items: center; justify-content: space-between; padding-top: 10px; padding-bottom: 10px; gap: 20px; }
.logo img { height: 56px; width: auto; display: block; }
nav.main ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 4px; align-items: center; flex-wrap: wrap; }
nav.main a { text-decoration: none; color: var(--ink); font-weight: 600; padding: 8px 12px; border-radius: 6px; font-size: .97rem; }
nav.main a:hover, nav.main a[aria-current="page"] { background: var(--green-tint); color: var(--green-dark); }
nav.main a.btn { background: var(--green); color: #fff; }
nav.main a.btn:hover { background: var(--green-dark); color: #fff; }
.menu-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 6px; padding: 8px 10px; font-size: 1rem; cursor: pointer; }
@media (max-width: 860px) {
  .menu-toggle { display: inline-block; }
  nav.main { display: none; width: 100%; }
  nav.main.open { display: block; }
  nav.main ul { flex-direction: column; align-items: stretch; padding-bottom: 10px; }
  header.site .wrap { flex-wrap: wrap; }
}

/* Buttons */
.btn { display: inline-block; background: var(--green); color: #fff; text-decoration: none; font-weight: 700; padding: 12px 22px; border-radius: 8px; border: 2px solid var(--green); }
.btn:hover { background: var(--green-dark); border-color: var(--green-dark); color: #fff; }
.btn.ghost { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn.ghost:hover { background: var(--ink); color: #fff; }
.btn-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 1.2em; }

/* Hero */
.hero { background: linear-gradient(180deg, var(--bg-alt), #fff); padding: 64px 0 56px; border-bottom: 1px solid var(--line); }
.hero .wrap { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; }
.hero .lead { font-size: 1.2rem; color: var(--ink-soft); max-width: 60ch; }
.hero .eyebrow { color: var(--green-dark); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; margin-bottom: .6em; }
.hero-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: 0 6px 24px rgba(0,0,0,.05); }
.hero-card h2 { font-size: 1.15rem; margin-bottom: .8em; }
.hero-card ul { list-style: none; margin: 0 0 1em; padding: 0; }
.hero-card li { padding: 8px 0; border-top: 1px solid var(--line); }
.hero-card li:first-child { border-top: 0; }
.hero-card li strong { display: block; }
@media (max-width: 860px) { .hero .wrap { grid-template-columns: 1fr; } }

/* Sections */
section { padding: 56px 0; }
section.alt { background: var(--bg-alt); }
.section-head { max-width: 70ch; margin-bottom: 28px; }
.section-head p { color: var(--ink-soft); font-size: 1.05rem; }
.grid { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.card h3 a { text-decoration: none; color: var(--ink); }
.card h3 a:hover { color: var(--green-dark); }
.card p { color: var(--ink-soft); margin-bottom: .6em; }
.card .more { font-weight: 600; text-decoration: none; }
.two-col { display: grid; grid-template-columns: 2fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; } }
.prose { max-width: 72ch; }
.prose h2 { margin-top: 1.6em; }
.prose h3 { margin-top: 1.3em; }
.prose ul { padding-left: 1.2em; }
.prose li { margin-bottom: .4em; }
aside.side { position: sticky; top: 90px; }
.side .card + .card { margin-top: 16px; }
.side .card h3 { font-size: 1.05rem; }
.side .card ul { list-style: none; padding: 0; margin: 0; }
.side .card li { padding: 6px 0; border-top: 1px solid var(--line); }
.side .card li:first-child { border-top: 0; }
.side .card a { text-decoration: none; font-weight: 600; }

/* Checklist / pills */
.pills { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; padding: 0; margin: 0; }
.pills li { background: var(--green-tint); color: var(--green-dark); border-radius: 999px; padding: 6px 14px; font-weight: 600; font-size: .92rem; }

/* FAQ */
.faq details { border: 1px solid var(--line); border-radius: 8px; padding: 0 18px; margin-bottom: 10px; background: #fff; }
.faq summary { cursor: pointer; font-weight: 700; padding: 14px 0; list-style: none; position: relative; padding-right: 30px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 12px; color: var(--green-dark); font-size: 1.3rem; }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--ink-soft); padding-bottom: 14px; margin: 0; }

/* Carriers */

/* CTA band */
.cta { background: var(--ink); color: #fff; padding: 56px 0; }
.cta h2 { color: #fff; }
.cta p { color: #cfd6cf; max-width: 60ch; }
.cta .btn.ghost { color: #fff; border-color: #fff; }
.cta .btn.ghost:hover { background: #fff; color: var(--ink); }

/* Contact block */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }
address { font-style: normal; line-height: 1.7; }
.map { border: 0; width: 100%; height: 360px; border-radius: var(--radius); }

/* Footer */
footer.site { background: #121612; color: #b9c2b9; padding: 48px 0 24px; font-size: .95rem; }
footer.site a { color: #fff; text-decoration: none; }
footer.site a:hover { color: var(--green); }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
@media (max-width: 860px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .foot-grid { grid-template-columns: 1fr; } }
footer.site h3 { color: #fff; font-size: 1rem; margin-bottom: .8em; }
footer.site ul { list-style: none; padding: 0; margin: 0; }
footer.site li { margin-bottom: 6px; }
footer.site .logo img { height: 64px; }
.foot-bottom { border-top: 1px solid #2a312a; margin-top: 32px; padding-top: 18px; font-size: .85rem; color: #8f998f; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; }

/* Breadcrumb */
.crumbs { font-size: .9rem; color: var(--ink-soft); padding: 14px 0 0; }
.crumbs a { text-decoration: none; }
.crumbs span { margin: 0 6px; }

/* Page hero (interior) */
.page-hero { background: var(--bg-alt); border-bottom: 1px solid var(--line); padding: 36px 0 40px; }
.page-hero .lead { font-size: 1.15rem; color: var(--ink-soft); max-width: 65ch; }

/* Team */
.person { display: grid; grid-template-columns: 220px 1fr; gap: 28px; align-items: start; }
@media (max-width: 700px) { .person { grid-template-columns: 1fr; } }
.person .photo { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: var(--radius); background: var(--bg-alt); border: 1px solid var(--line); }
.meta { color: var(--ink-soft); font-size: .95rem; }

/* Photo hero */
.hero.photo { position: relative; background: var(--ink); border-bottom: 0; padding: 72px 0 0; }
.hero.photo .wrap { align-items: end; grid-template-columns: 1.35fr 1fr; }
.hero.photo .hero-text { padding-bottom: 72px; }
.hero.photo .hero-card { margin-top: 140px; margin-bottom: -48px; }
.hero.photo .hero-bg { position: absolute; inset: 0; z-index: 0; overflow: hidden; }
.hero.photo .hero-bg img { width: 100%; height: 100%; object-fit: cover; object-position: center 72%; filter: saturate(1.15) brightness(1.06); display: block; }
.hero.photo::after { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(90deg, rgba(14,18,14,.80) 0%, rgba(14,18,14,.58) 40%, rgba(14,18,14,.15) 62%, rgba(14,18,14,0) 100%); }
.hero.photo .wrap { position: relative; z-index: 2; }
.hero.photo h1 { color: #fff; }
.hero.photo .lead { color: #e3e8e3; }
.hero.photo .eyebrow { color: var(--green); }
.hero.photo .btn.ghost { color: #fff; border-color: #fff; }
.hero.photo .btn.ghost:hover { background: #fff; color: var(--ink); }
.hero.photo .hero-card { box-shadow: 0 12px 40px rgba(0,0,0,.35); }
@media (max-width: 860px) { .hero.photo .wrap { grid-template-columns: 1fr; } .hero.photo { padding: 48px 0 0; } .hero.photo .hero-text { padding-bottom: 32px; } .hero.photo .hero-card { margin-top: 0; margin-bottom: -40px; } .hero.photo::after { background: rgba(14,18,14,.72); } }
.hero.photo + section { padding-top: 104px; }

/* Carrier logos */
.logo-grid { list-style: none; padding: 0; margin: 0 0 8px; display: grid; grid-template-columns: repeat(auto-fill, minmax(110px, 1fr)); gap: 10px; }
.carriers .logo-grid { grid-template-columns: repeat(2, 1fr); }
.logo-grid li { border: 1px solid var(--line); border-radius: 8px; background: #fff; overflow: hidden; }
.logo-grid a { display: block; aspect-ratio: 1.6; }
.logo-grid img { width: 100%; height: 100%; object-fit: contain; display: block; transition: transform .15s; }
.logo-grid a:hover img { transform: scale(1.04); }
.prose .logo-grid { max-width: none; margin-bottom: 20px; }
.carrier-grid { grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); }
.carrier-card img { width: 160px; height: 100px; object-fit: contain; border: 1px solid var(--line); border-radius: 6px; margin-bottom: 12px; }
.carrier-card h3 { margin-bottom: .2em; }
.carrier-card .links { list-style: none; padding: 0; margin: 10px 0 0; }
.carrier-card .links li { padding: 5px 0; border-top: 1px solid var(--line); font-size: .95rem; }
.carrier-card .links a { font-weight: 600; text-decoration: none; }

/* Team */
.team-grid { display: grid; gap: 28px; }
.team-card { display: grid; grid-template-columns: 260px 1fr; gap: 28px; align-items: start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.team-card .photo { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: var(--radius); }
.team-card h2 { font-size: 1.5rem; margin-bottom: .1em; }
.team-card .role { color: var(--green-dark); font-weight: 700; margin-bottom: .8em; }
@media (max-width: 700px) { .team-card { grid-template-columns: 1fr; } .team-card .photo { max-width: 260px; } }

/* States */
.states { padding-top: 64px; background: #fff; --state-stroke: #fff; }
.state-row { display: grid; grid-template-columns: 1fr 1.2fr 1fr; gap: 24px; align-items: center; text-align: center; margin-top: 8px; }
.state-col h3 { margin: 14px 0 4px; font-size: 1.35rem; }
.state-col p { color: var(--ink-soft); margin: 0; }
.state-col .licensed { display: inline-block; background: var(--green-tint); color: var(--green-dark); font-weight: 700; border-radius: 999px; padding: 4px 12px; font-size: .95rem; }
.state-col .licensed::before { content: "\2713"; margin-right: 6px; }
.state-col.side .state { width: 100%; max-width: 300px; color: var(--green); }
.state-col.side h3 { font-size: 1.15rem; }
.state-col.main .state { width: 100%; max-width: 230px; color: var(--green); filter: drop-shadow(0 8px 20px rgba(98,200,29,.28)); }
.state-col.main h3 { font-size: 2rem; }
.state-col.main .home-base { font-weight: 600; color: var(--green-dark); }
.cities { list-style: none; padding: 0; margin: 14px auto 0; display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 18px; max-width: 420px; }
.cities li { font-weight: 700; font-size: 1.05rem; }
.cities li::before { content: "\2022"; color: var(--green); margin-right: 8px; }
@media (max-width: 860px) {
  .state-row { grid-template-columns: 1fr 1fr; gap: 16px; align-items: start; }
  .state-col.main { order: -1; grid-column: 1 / -1; }
  .state-col.side .state { max-width: 180px; }
}

/* Dual hero */
.hero-points { list-style: none; padding: 0; margin: 20px 0 0; color: #e3e8e3; font-size: .98rem; }
.hero-points li { padding: 4px 0 4px 26px; position: relative; }
.hero-points li::before { content: "\2713"; position: absolute; left: 0; color: var(--green); font-weight: 700; }
.hero-card-commercial .eyebrow { color: var(--green-dark); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; font-size: .75rem; margin-bottom: .4em; }
.hero-card-commercial h2 { font-size: 1.3rem; }
.hero-card-commercial > p { color: var(--ink-soft); font-size: .97rem; }
.hero-card-commercial .btn-row { margin-top: .6em; }
.hero-card-commercial .btn { padding: 10px 16px; font-size: .95rem; }
ul.plain { list-style: none; padding: 0; margin: 0 0 16px; }
ul.plain li { padding: 6px 0 6px 22px; border-top: 1px solid var(--line); position: relative; color: var(--ink-soft); }
ul.plain li:first-child { border-top: 0; }
ul.plain li::before { content: "\2022"; color: var(--green); position: absolute; left: 6px; }

/* Blog */
.post-kicker { font-size: .8rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--green-dark); margin: 0 0 .6em; }
.post-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 24px; }
.post-card h2 { font-size: 1.25rem; margin-bottom: .5em; }
.post-card h2 a { text-decoration: none; color: var(--ink); }
.post-card h2 a:hover { color: var(--green-dark); }
.post-card .meta { margin-top: auto; }
.post-card { display: flex; flex-direction: column; }
.post .sources { font-size: .95rem; }
.post .sources li { overflow-wrap: anywhere; }