/* Merced Insurance: one buff-stone neutral scale, one gilt accent; every claim sits beside a framed proof. */
@font-face{font-family:"Figtree";src:url(/fonts/figtree-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Figtree";src:url(/fonts/figtree-700.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}

:root{
  color-scheme:light;
  --n0:#FAFAF9;--n1:#F0F0EE;--n2:#E5E5E2;--n3:#D2D2CE;--n4:#8C8D88;--n5:#55564F;--n6:#33342F;--n7:#1B1C19;--n8:#0F100E;
  --gilt:#D2A233;--gilt-hi:#E3B94F;--gilt-ink:#7A5A0C;
  --ink:var(--n7);--muted:var(--n5);--line:var(--n3);--paper:var(--n1);--accent:var(--gilt);--accent-dark:var(--n7);
  --font:"Figtree","Avenir Next","Segoe UI",Helvetica,Arial,sans-serif;
  --ground:radial-gradient(120% 90% at 50% 0%,#FFFFFF 0%,#F0F0ED 55%,#E3E3DF 100%);
  --radius:12px;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--paper);font:400 17px/1.6 var(--font);-webkit-font-smoothing:antialiased}
a{color:inherit}
button,input,select,textarea{font:inherit}
:focus-visible{outline:3px solid var(--n7);outline-offset:3px;box-shadow:0 0 0 6px var(--gilt)}

/* header */
.site-header{background:var(--n0);border-bottom:1px solid var(--line)}
.header-inner{max-width:1200px;margin:auto;padding:16px 32px;display:flex;justify-content:space-between;align-items:center;gap:16px}
.brand{display:inline-flex;align-items:center;gap:14px;min-height:44px;text-decoration:none;font-size:15px;line-height:1.25;letter-spacing:-.01em;color:var(--n5)}
.brand strong{display:block;color:var(--ink);font-weight:700;font-size:18px;letter-spacing:-.02em}
.brand-mark{display:grid;place-items:center;flex:none;width:44px;height:44px;border:1px solid var(--n7);border-radius:10px;background:var(--n7);color:var(--n0);font-weight:700;font-size:21px;letter-spacing:0}
.header-link{display:inline-flex;align-items:center;min-height:44px;padding:0 18px;border:1px solid var(--n4);border-radius:10px;background:transparent;color:var(--ink);font-weight:700;font-size:15px;text-decoration:none;white-space:nowrap;transition:background .2s,border-color .2s}
.header-link:hover{background:var(--n2);border-color:var(--n7)}

/* cover: claim left, proof right */
.deck{background:var(--n0)}
.cover{max-width:1200px;margin:auto;padding:0 32px;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);column-gap:56px;align-items:center}
.minimal-shell{width:auto;min-height:0;margin:0;padding:64px 0 56px;display:flex;flex-direction:column}
.minimal-shell h1{margin:0 0 36px;max-width:11ch;font-weight:700;font-size:clamp(46px,6vw,86px);line-height:.98;letter-spacing:-.045em;color:var(--n8)}
.minimal-shell h1::after{content:"";display:block;width:64px;height:5px;margin-top:26px;background:var(--gilt);border-radius:3px}
.choice-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.choice-grid a{position:relative;min-height:104px;padding:18px 48px 18px 20px;display:flex;align-items:flex-end;border:1px solid var(--n4);border-radius:var(--radius);background:transparent;color:var(--ink);font-size:19px;font-weight:700;line-height:1.22;letter-spacing:-.02em;text-decoration:none;transition:background .2s,border-color .2s,transform .2s}
.choice-grid a::after{content:"→" / "";position:absolute;top:16px;right:18px;font-size:20px;line-height:1;font-weight:400;color:var(--n5);transition:transform .2s}
.choice-grid a:hover{background:var(--n2);border-color:var(--n7)}
.choice-grid a:hover::after{transform:translateX(4px);color:var(--ink)}
.choice-grid a:first-child{background:var(--gilt);border-color:var(--gilt);color:var(--n8)}
.choice-grid a:first-child::after{color:var(--n8)}
.choice-grid a:first-child:hover{background:var(--gilt-hi);border-color:var(--n7)}
.choice-grid a:last-child{grid-column:1/-1;min-height:64px;align-items:center!important;justify-content:flex-start!important;text-align:left!important;border-style:dashed}
.agency-line{margin:30px 0 0;color:var(--muted);font-size:15px;font-weight:400}
.agency-line a{font-weight:700;color:var(--ink);text-underline-offset:4px;text-decoration-color:var(--n4)}
.plate{align-self:center;margin:48px 0;display:grid;place-items:center;padding:28px;border:1px solid var(--line);border-radius:22px;background:var(--ground);box-shadow:inset 0 0 0 8px var(--n0),inset 0 0 0 9px var(--line)}
.plate .elev{display:block;width:100%;height:auto;max-width:560px}

/* local board: claim heading beside proof grid */
.local-board{border-top:1px solid var(--line);background:var(--n1);color:var(--ink)}
.deck+.local-board{border-top:0}
.local-wrap{max-width:1200px;margin:auto;padding:80px 32px 96px;display:grid;grid-template-columns:minmax(200px,280px) minmax(0,1fr);column-gap:48px;align-items:start}
.local-intro,#local-alerts,#local-advisory{grid-column:1/-1}
.local-intro{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;padding:0 0 40px;border-bottom:1px solid var(--line)}
.local-kicker,.local-card-kicker,.local-small-label{margin:0;color:var(--n5);font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
.local-section-heading>span{color:var(--n5);font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
.local-kicker{margin-bottom:18px}
.local-kicker span{padding:0 7px;color:var(--gilt-ink)}
.local-intro h2{margin:0;font-weight:700;font-size:clamp(38px,5vw,64px);line-height:1;letter-spacing:-.04em;color:var(--n8)}
.local-intro>div>p:last-child{max-width:540px;margin:18px 0 0;color:var(--muted);font-size:18px}
.local-generated{flex:none;margin:0;color:var(--muted);font-size:14px;font-weight:700}
.local-section-heading{grid-column:1;position:sticky;top:24px;display:flex;flex-direction:column;align-items:flex-start;gap:10px;margin:56px 0 0;padding-top:20px;border-top:2px solid var(--n7)}
.local-section-heading h3{margin:0;font-weight:700;font-size:clamp(26px,2.6vw,34px);line-height:1.08;letter-spacing:-.03em;color:var(--n8)}
.local-grid{grid-column:2;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:56px}
.local-card{min-width:0;padding:26px 26px 24px;border:1px solid var(--line);border-radius:18px;background:var(--ground);box-shadow:inset 0 0 0 6px var(--n0),inset 0 0 0 7px var(--n2)}
.local-card h4{margin:8px 0 18px;font-weight:700;font-size:clamp(23px,2.4vw,29px);line-height:1.12;letter-spacing:-.03em;color:var(--n8)}
.local-card .local-copy{margin:10px 0;color:var(--n6)}
.local-card .local-subtle,.local-subtle{display:block;color:var(--muted);font-size:14px}
.local-source{margin:22px 0 0;padding-top:14px;border-top:1px solid var(--line);color:var(--muted);font-size:14px;font-weight:400}
.local-link{display:inline-flex;align-items:center;min-height:44px;margin-top:6px;color:var(--ink);font-size:15px;font-weight:700;text-underline-offset:4px;text-decoration-color:var(--gilt);text-decoration-thickness:2px}
.local-wide{grid-column:1/-1}
.local-weather-lead{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:end;padding:10px 0 24px;border-bottom:1px solid var(--line)}
.local-weather-lead>div:first-child{display:flex;align-items:baseline;flex-wrap:wrap;gap:8px 20px}
.local-big-temp{font-weight:700;font-size:clamp(72px,10vw,120px);line-height:.86;letter-spacing:-.06em;color:var(--n8)}
.local-weather-condition{max-width:200px;color:var(--n6);font-size:18px}
.local-weather-note{padding-bottom:6px;display:flex;flex-direction:column;gap:4px;color:var(--n6);font-size:16px}
.local-weather-note strong{color:var(--n8);font-size:18px}
.local-day-strip,.local-hour-strip{display:flex;overflow-x:auto;scrollbar-width:thin}
.local-day-strip{padding:20px 0;border-bottom:1px solid var(--line)}
.local-day{flex:0 0 148px;padding:0 14px;border-left:1px solid var(--line);display:flex;flex-direction:column;gap:5px;font-size:14px;color:var(--muted);line-height:1.35}
.local-day:first-child{border-left:0}
.local-day strong{color:var(--n8);font-size:15px}
.local-day-temp{color:var(--n8);font-size:22px;font-weight:700}
.local-small-label{margin:22px 0 12px}
.local-hour-strip{gap:8px;padding-bottom:6px}
.local-hour{flex:0 0 92px;padding:11px 10px;border:1px solid var(--line);border-radius:10px;background:var(--n0);display:flex;flex-direction:column;gap:3px;font-size:14px;color:var(--muted)}
.local-hour strong{color:var(--n8);font-size:21px}
.local-big-number{margin:14px 0 6px;color:var(--n8);font-weight:700;font-size:72px;line-height:.95;letter-spacing:-.05em}
.local-radar{margin:18px 0 0;overflow:hidden;border:1px solid var(--n4);border-radius:12px;background:#fff;padding:6px}
.local-radar img{display:block;width:100%;height:auto;border-radius:6px}
.local-radar figcaption{padding:8px 4px 2px;color:var(--muted);font-size:14px}
.local-alert,.local-advisory{display:flex;gap:18px;padding:22px 26px;margin-top:20px;border:1px solid var(--n7);border-radius:16px;background:var(--n0);color:var(--ink)}
.local-alert-icon{flex:none;display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--n7);color:var(--n0);font-weight:700}
.local-alert h3,.local-advisory h3{margin:6px 0 8px;font-size:20px;line-height:1.35;font-weight:700;color:var(--n8)}
.local-alert p,.local-advisory p{margin-bottom:0;color:var(--n6)}
.local-advisory{align-items:center;border-color:var(--line);background:var(--n0)}
.local-advisory-mark{flex:none;color:var(--gilt-ink);font-size:38px;line-height:1}
.local-advisory h3{font-size:clamp(20px,2.4vw,26px);line-height:1.2;letter-spacing:-.02em}
.local-advisory-alert{border-color:var(--n7);background:var(--n0)}
.local-row{padding:12px 0;border-bottom:1px solid var(--line)}
.local-row:first-of-type{padding-top:0}
.local-row:last-of-type{border-bottom:0}
.local-row-title{display:block;color:var(--n8);font-size:16px;font-weight:700;line-height:1.35;text-decoration-color:var(--n4);text-underline-offset:4px}
.local-row-detail{display:block;margin-top:4px;color:var(--muted);font-size:14px}
.local-news-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:32px}
.local-market-name{display:block;font-size:18px}
.local-lottery{padding:12px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:5px}
.local-lottery strong{font-size:20px;letter-spacing:.03em}

/* quote and question pages */
.page-shell{max-width:1200px;margin:auto;padding:56px 32px 88px}
.intro{display:flex;flex-direction:column;max-width:760px}
.intro h1{order:1;margin:0;font-weight:700;font-size:clamp(42px,5.6vw,76px);line-height:1;letter-spacing:-.045em;color:var(--n8)}
.intro h1::after{content:"";display:block;width:64px;height:5px;margin-top:22px;background:var(--gilt);border-radius:3px}
.eyebrow{order:2;margin:22px 0 0;color:var(--n5);font-size:17px;font-weight:700;letter-spacing:0;text-transform:none}
.intro-copy{order:3;margin:10px 0 0;color:var(--n6);font-size:clamp(17px,1.9vw,20px);max-width:62ch}

.options{margin-top:48px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.option{min-width:0;min-height:240px;padding:24px;display:flex;flex-direction:column;align-items:flex-start;border:1px solid var(--line);border-radius:18px;background:var(--ground)}
.option-number{color:var(--n5);font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.12em}
.option h2{margin:16px 0 8px;font-size:clamp(23px,2.5vw,29px);line-height:1.12;letter-spacing:-.03em}
.option p{margin:0;color:var(--muted);font-size:15px;max-width:30ch}
.option .option-action{margin-top:auto;padding:12px 16px;min-height:48px;width:100%;display:inline-flex;align-items:center;justify-content:space-between;gap:10px;border:1px solid var(--gilt);border-radius:10px;color:var(--n8);background:var(--gilt);font-weight:700;font-size:15px;line-height:1.25;text-decoration:none;text-align:left;cursor:pointer}
.option-action:hover{background:var(--gilt-hi);border-color:var(--n7)}
.option-action span{font-size:19px;line-height:1}
.option .option-note{margin-top:8px;font-size:14px;color:var(--muted)}

.question-section{scroll-margin-top:24px;margin-top:48px;padding:40px;border:1px solid var(--line);border-radius:22px;background:var(--ground);box-shadow:inset 0 0 0 8px var(--n0),inset 0 0 0 9px var(--n2)}
.question-heading h2{margin:0;font-size:clamp(28px,3.6vw,40px);line-height:1.1;letter-spacing:-.035em}
.question-heading>p:last-child{margin:12px 0 0;color:var(--muted)}
.question-form{margin-top:12px}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 20px}
.form-grid label{display:flex;flex-direction:column;gap:8px;font-weight:700;font-size:16px;color:var(--n7)}
.form-grid input,.form-grid select,.form-grid textarea{width:100%;min-width:0;border:1px solid var(--n4);border-radius:10px;padding:12px 14px;color:var(--ink);background:var(--n0);font-weight:400;font-size:17px}
.form-grid input:hover,.form-grid select:hover,.form-grid textarea:hover{border-color:var(--n7)}
.form-grid input,.form-grid select{min-height:50px}
.form-grid textarea{min-height:140px;resize:vertical}
.form-grid .message-field{grid-column:1/-1}
.form-grid .checkbox-row,.quote-form>fieldset>.checkbox-row{display:flex;flex-direction:row;align-items:flex-start;gap:12px;min-height:44px;font-weight:400;font-size:16px}
.form-grid .checkbox-row{grid-column:1/-1}
.form-grid .checkbox-row input,.quote-form>fieldset>.checkbox-row input{width:22px;min-width:22px;height:22px;min-height:22px;margin:2px 0 0;accent-color:var(--n7)}
.quote-form>fieldset>.checkbox-row{margin-top:22px}
.honeypot{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.form-bottom{margin-top:28px}
.form-bottom button{min-height:54px;display:inline-flex;align-items:center;gap:12px;border:1px solid var(--gilt);border-radius:10px;padding:12px 24px;color:var(--n8);background:var(--gilt);font-weight:700;font-size:17px;cursor:pointer;transition:background .2s,border-color .2s}
.form-bottom button:hover{background:var(--gilt-hi);border-color:var(--n7)}
.submit-note{max-width:620px;margin:16px 0 0;color:var(--muted);font-size:15px}
.form-status{min-height:22px;margin:12px 0 0;color:var(--n8);font-weight:700;font-size:16px}

.product-switch{display:inline-flex;flex-wrap:wrap;gap:8px;margin:40px 0 18px}
.product-switch a{display:inline-flex;align-items:center;min-height:46px;border:1px solid var(--n4);border-radius:10px;padding:0 20px;background:transparent;color:var(--ink);font-weight:700;text-decoration:none;transition:background .2s,border-color .2s}
.product-switch a:hover{background:var(--n2);border-color:var(--n7)}
.product-switch a[aria-current="page"]{border-color:var(--gilt);color:var(--n8);background:var(--gilt)}
.quote-form fieldset{min-width:0;margin:16px 0;padding:28px;border:1px solid var(--line);border-radius:18px;background:var(--ground);box-shadow:inset 0 0 0 6px var(--n0),inset 0 0 0 7px var(--n2)}
.quote-form legend{padding:0 10px;font-size:21px;font-weight:700;letter-spacing:-.02em;color:var(--n8)}
.quote-form .form-grid{margin-top:4px}
.quote-submit{margin:24px 0 55px;max-width:720px}
.quote-submit button,.quote-results button{min-height:54px;border:1px solid var(--gilt);border-radius:10px;padding:12px 24px;color:var(--n8);background:var(--gilt);font-weight:700;font-size:17px;cursor:pointer;transition:background .2s,border-color .2s}
.quote-submit button:hover:not(:disabled),.quote-results button:hover:not(:disabled){background:var(--gilt-hi);border-color:var(--n7)}
.quote-submit button:disabled,.quote-results button:disabled{cursor:wait;opacity:.6}
#quote-status{color:var(--n8);font-weight:700}
.quote-results{margin:30px 0 70px;padding:28px;border:1px solid var(--line);border-radius:18px;background:var(--ground)}
.quote-results h2{margin:0 0 16px;letter-spacing:-.03em}
.quote-results article{border-top:1px solid var(--line);padding:20px 0}
.quote-results article h3{margin:0 0 5px}
.quote-results article p{margin:4px 0 13px}

.site-footer{border-top:1px solid var(--line);max-width:1200px;margin:auto;padding:26px 32px 36px;display:flex;align-items:baseline;flex-wrap:wrap;gap:8px 24px;color:var(--muted);font-size:15px}
.site-footer p{margin:0}
.site-footer>p:first-child{color:var(--ink);font-weight:700}
.site-footer a{display:inline-block;padding:10px 0;text-underline-offset:4px;text-decoration-color:var(--n4)}
.site-footer .footer-note{flex-basis:100%}

/* soft rise as each proof enters; content is never hidden */
@supports (animation-timeline:view()){
  @keyframes rise{from{transform:translateY(18px)}to{transform:none}}
  .local-card,.local-alert,.local-advisory{animation:rise linear both;animation-timeline:view();animation-range:entry 0% entry 35%}
}

@media (max-width:980px){
  .cover{grid-template-columns:1fr;row-gap:0}
  .minimal-shell{padding:48px 0 32px}
  .minimal-shell h1{max-width:none}
  .plate{margin:0 0 48px;padding:20px}
  .plate .elev{max-width:480px}
  .local-wrap{grid-template-columns:1fr}
  .local-section-heading{grid-column:1;position:static;margin:48px 0 0}
  .local-grid{grid-column:1;margin-top:18px}
}
@media (max-width:850px){
  .options{grid-template-columns:repeat(2,minmax(0,1fr))}
  .local-intro{align-items:flex-start;flex-direction:column}
}
@media (max-width:590px){
  .header-inner{padding:14px 20px;flex-wrap:wrap;gap:10px 16px}
  .brand{font-size:14px;gap:10px}
  .brand strong{font-size:16px}
  .header-link{margin-left:auto;font-size:14px;padding:0 14px}
  .cover{padding:0 20px}
  .minimal-shell{padding:36px 0 28px}
  .minimal-shell h1{font-size:clamp(40px,12.5vw,56px);margin-bottom:28px}
  .choice-grid{grid-template-columns:1fr;gap:10px}
  .choice-grid a{min-height:76px;padding:16px 46px 16px 18px;font-size:18px}
  .choice-grid a:last-child{min-height:60px}
  .plate{padding:14px;border-radius:16px;box-shadow:inset 0 0 0 5px var(--n0),inset 0 0 0 6px var(--line)}
  .page-shell{padding:40px 20px 64px}
  .options{margin-top:36px;grid-template-columns:1fr;gap:12px}
  .option{min-height:0;padding:22px}
  .option .option-action{margin-top:20px}
  .question-section{margin-top:36px;padding:26px 18px}
  .form-grid{grid-template-columns:1fr;gap:18px}
  .quote-form fieldset{padding:22px 16px}
  .site-footer{padding:22px 20px 32px}
  .local-wrap{padding:56px 20px 72px}
  .local-section-heading{margin-top:44px}
  .local-grid,.local-weather-lead,.local-news-list{grid-template-columns:1fr}
  .local-card{padding:22px 18px}
  .local-weather-lead{gap:14px}
  .local-alert,.local-advisory{padding:20px 16px;gap:12px}
  .local-day{flex-basis:128px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .choice-grid a,.choice-grid a::after,.header-link{transition:none}
  .local-card,.local-alert,.local-advisory{animation:none}
}