/* jeffdavisinsurance.com static pages v1 — brand: wine #3C1020, primary #67182D, ivory #FAF8F6 */
:root{--wine:#3C1020;--primary:#67182D;--primary-2:#7d2440;--ink:#2a1a1e;--muted:#5f5155;--line:#e8e1df;--ivory:#faf8f6;--accent:#f6ecee;--white:#fff;--radius:6px;--wrap:1180px;color-scheme:light}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Manrope,system-ui,-apple-system,Segoe UI,sans-serif;font-size:18px;line-height:1.7;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--primary)}a:hover{color:var(--wine)}
h1,h2,h3,h4{font-family:Fraunces,Georgia,serif;color:var(--wine);line-height:1.2;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}h2{font-size:clamp(1.55rem,2.8vw,2.1rem)}h3{font-size:1.3rem}h4{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;z-index:100}.skip:focus{left:8px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:var(--radius);font-weight:700;font-size:.95rem;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s}
.btn-primary{background:var(--primary);color:#fff}.btn-primary:hover{background:var(--wine);color:#fff}
.btn-ghost{border-color:var(--primary);color:var(--primary);background:transparent}.btn-ghost:hover{background:var(--primary);color:#fff}
.btn-light{background:#fff;color:var(--wine)}.btn-light:hover{background:var(--accent);color:var(--wine)}
.btn-outline-light{border-color:#fff;color:#fff}.btn-outline-light:hover{background:#fff;color:var(--wine)}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 1px 0 var(--line)}
.topbar{background:var(--ivory);border-bottom:1px solid var(--line)}
.topbar-in{display:flex;align-items:center;gap:24px;min-height:96px}
.logo img{height:64px;width:auto}
.top-contact{margin-left:auto;text-align:right;font-size:.9rem;color:var(--muted);line-height:1.4}
.top-phone{display:block;font-family:Fraunces,Georgia,serif;font-size:1.35rem;color:var(--wine);text-decoration:none}
.menu-toggle{display:none;margin-left:auto;width:48px;height:48px;border:1px solid var(--line);background:#fff;border-radius:var(--radius);flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer}
.menu-toggle span{display:block;width:22px;height:2px;background:var(--wine)}
.site-nav .nav-list{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center;flex-wrap:wrap}
.site-nav a,.sub-toggle{display:inline-flex;align-items:center;gap:6px;padding:16px 14px;color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:600;background:none;border:0;font-family:inherit;cursor:pointer}
.site-nav a:hover,.sub-toggle:hover,.site-nav a[aria-current=page]{color:var(--primary)}
.has-sub{position:relative}
.sub{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 18px 40px -20px rgba(60,16,32,.35);list-style:none;margin:0;padding:8px 0;z-index:60}
.sub a{display:block;padding:10px 18px;font-weight:500}
.sub .nav-app{color:var(--primary);font-weight:700}
.has-sub:hover .sub,.has-sub:focus-within .sub,.has-sub.open .sub{display:block}
.nav-mobile-only{display:none}
/* hero */
.hero{background:linear-gradient(180deg,var(--ivory),#fff);border-bottom:1px solid var(--line)}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding:48px 20px 56px}
.lead{font-size:1.12rem;color:var(--muted)}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.hero-img img{border-radius:10px;box-shadow:0 30px 60px -30px rgba(60,16,32,.5);aspect-ratio:4/3;object-fit:cover;width:100%}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 16px;font-size:.88rem;color:var(--muted)}
.crumbs li+li:before{content:"›";margin-right:6px}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--primary)}
/* content */
.content{padding:24px 20px 56px;max-width:var(--wrap)}
.content>.block,.content>.notice,.content>.disclaimer,.content>.extra-link{max-width:860px}
.content>.related,.content>.block:has(.cards){max-width:none}
.block{padding:28px 0;border-bottom:1px solid var(--line)}
.block:last-of-type{border-bottom:0}
.ticks{list-style:none;padding:0;margin:0 0 1em}
.ticks li{position:relative;padding-left:30px;margin-bottom:10px}
.ticks li:before{content:"";position:absolute;left:4px;top:.6em;width:12px;height:12px;border-radius:50%;background:var(--primary);box-shadow:0 0 0 4px var(--accent)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px;margin:12px 0 18px}
.card{display:flex;flex-direction:column;padding:22px;border:1px solid var(--line);border-radius:10px;background:#fff;text-decoration:none;color:var(--ink);transition:transform .2s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-3px);border-color:var(--primary);box-shadow:0 20px 40px -24px rgba(60,16,32,.45);color:var(--ink)}
.card p{color:var(--muted);font-size:.98rem}.card .more{margin-top:auto;color:var(--primary);font-weight:700;font-size:.92rem}
.group-h{margin-top:18px;font-family:Manrope,sans-serif;font-size:.85rem;letter-spacing:.14em;text-transform:uppercase;color:var(--primary)}
.faq details{border:1px solid var(--line);border-radius:8px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;padding:16px 20px;font-weight:700;color:var(--wine);list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:20px;top:12px;font-size:1.4rem;color:var(--primary)}
.faq details[open] summary:after{content:"–"}
.faq details p{padding:0 20px 16px;margin:0;color:var(--muted)}
.why{background:var(--accent);border-radius:10px;padding:28px;border:0;margin:20px 0}
.notice{background:var(--accent);border:1px dashed var(--primary);padding:16px;border-radius:8px}
.disclaimer{font-size:.85rem;color:var(--muted);margin-top:24px}
.extra-link{margin:24px 0}
/* forms */
.jdi-form{display:grid;gap:16px;background:var(--ivory);border:1px solid var(--line);border-radius:10px;padding:24px}
.jdi-form label{display:grid;gap:6px;font-weight:600;font-size:.95rem}
.jdi-form input,.jdi-form select,.jdi-form textarea{font:inherit;font-weight:400;padding:12px 14px;border:1px solid #cfc4c2;border-radius:var(--radius);background:#fff;color:var(--ink);width:100%}
.jdi-form input:focus,.jdi-form select:focus,.jdi-form textarea:focus{outline:2px solid var(--primary);outline-offset:1px}
.jdi-form .check{display:flex;gap:10px;align-items:flex-start;font-weight:400}.jdi-form .check input{width:auto;margin-top:6px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-note{font-size:.85rem;color:var(--muted);margin:0}
.form-status{margin:0;font-weight:600}.form-status.ok{color:#1d6b3a}.form-status.err{color:#b42318}
[aria-invalid=true]{border-color:#b42318!important}
/* cta + footer */
.cta-band{background:var(--wine);color:#f4e9ec}
.cta-in{display:flex;gap:32px;align-items:center;justify-content:space-between;padding:48px 20px;flex-wrap:wrap}
.cta-band h2{color:#fff}.eyebrow{font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;margin-bottom:8px}.eyebrow.light{color:#e7c9d1}
.cta-btns{display:flex;gap:12px;flex-wrap:wrap}
.site-footer{background:#2a0b17;color:#e9dde0;font-size:.95rem}
.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.2fr 1.4fr 1fr;gap:40px;padding:48px 20px 24px}
.foot-grid h3{color:#fff;font-size:1.05rem}.foot-grid ul{list-style:none;padding:0;margin:0}.foot-grid li{margin-bottom:6px}
.foot-logo{background:#fff;padding:10px;border-radius:6px;height:auto;width:230px;margin-bottom:16px}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);padding:18px 20px 28px;font-size:.82rem;color:#c9b6bb}.foot-legal p{margin:0 0 4px}
/* responsive */
@media (max-width:1020px){
 .top-contact,.top-cta{display:none}.menu-toggle{display:flex}
 .site-nav{display:none;border-top:1px solid var(--line);max-height:calc(100vh - 96px);overflow:auto}
 .site-nav.open{display:block}
 .site-nav .nav-list{flex-direction:column;align-items:stretch;padding:8px 0 16px}
 .site-nav a,.sub-toggle{width:100%;justify-content:space-between;padding:14px 4px;border-bottom:1px solid var(--line);font-size:1.05rem}
 .sub{position:static;box-shadow:none;border:0;padding:0 0 8px 12px;min-width:0}
 .has-sub:hover .sub{display:none}.has-sub.open .sub{display:block}
 .nav-mobile-only{display:block}
 .hero-in{grid-template-columns:1fr;gap:28px;padding:32px 20px 40px}
 .foot-grid{grid-template-columns:1fr}
}
@media (max-width:600px){body{font-size:17px}.logo img{height:48px}.topbar-in{min-height:76px}.grid2{grid-template-columns:1fr}.btn{width:100%}.hero-btns .btn{width:100%}}
.byline{font-size:.92rem;color:var(--muted);margin:-4px 0 14px}.byline a{color:var(--primary)}
.map{position:relative;border-radius:10px;overflow:hidden;border:1px solid var(--line);aspect-ratio:16/9;max-width:100%;margin:12px 0}
.map iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:80;max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 20px 50px -20px rgba(60,16,32,.45);padding:16px 18px;display:flex;gap:16px;align-items:center;flex-wrap:wrap}
.consent[hidden]{display:none}.consent p{margin:0;flex:1 1 280px;font-size:.95rem}.consent-btns{display:flex;gap:10px}.consent .btn{padding:10px 18px;width:auto}
.hero-img.portrait img{aspect-ratio:4/5;object-position:center top;max-width:440px;margin-left:auto}
/* portrait hero framing */
.hero-img.portrait{display:flex;justify-content:flex-end}
.hero-img.portrait img{width:100%;max-width:440px;aspect-ratio:4/5;object-fit:cover;object-position:center 15%;border-radius:12px;border:1px solid var(--line);margin:0}
@media (max-width:1020px){.hero-img.portrait{justify-content:center}.hero-img.portrait img{max-width:420px}}
@media (max-width:600px){.hero-img.portrait img{max-width:100%;aspect-ratio:4/5}}
.hero-img{margin:0}
/* ---- slide-out quote funnel v1 ---- */
html.qf-lock,html.qf-lock body{overflow:hidden}
.qf-scrim{position:fixed;inset:0;z-index:95;background:rgba(42,16,26,.5);backdrop-filter:blur(5px);-webkit-backdrop-filter:blur(5px);opacity:0;pointer-events:none;transition:opacity .45s}
.qf-scrim.on{opacity:1;pointer-events:auto}
.qf{position:fixed;top:0;right:0;bottom:0;z-index:96;width:min(540px,100vw);display:flex;flex-direction:column;background:var(--ivory);border-left:4px solid var(--primary);box-shadow:-30px 0 90px rgba(60,16,32,.35);transform:translateX(104%);visibility:hidden;transition:transform .6s cubic-bezier(.16,1,.3,1),visibility 0s .6s;padding-bottom:env(safe-area-inset-bottom,0px);color:var(--ink)}
.qf.on{transform:none;visibility:visible;transition:transform .6s cubic-bezier(.16,1,.3,1),visibility 0s 0s}
.qf-top{display:flex;align-items:center;gap:14px;padding:16px 22px;background:var(--wine);color:#fff}
.qf-top img{width:44px;height:55px;object-fit:cover;object-position:center 15%;border-radius:8px;border:2px solid rgba(255,255,255,.35)}
.qf-top div{flex:1;min-width:0}.qf-brand{margin:0;font-family:Fraunces,Georgia,serif;font-size:1.25rem;font-weight:600;line-height:1.2;color:#fff}
.qf-tag{margin:2px 0 0;font-size:.85rem;color:#f3dfe4;line-height:1.3}
.qf-x{background:transparent;border:0;color:#fff;font-size:2rem;line-height:1;width:44px;height:44px;cursor:pointer;border-radius:8px}.qf-x:hover,.qf-x:focus-visible{background:rgba(255,255,255,.14)}
.qf-prog{display:flex;align-items:center;gap:14px;padding:14px 22px 0}.qf-bar{flex:1;height:6px;border-radius:99px;background:var(--line);overflow:hidden}
.qf-bar i{display:block;height:100%;width:0;background:var(--primary);border-radius:99px;transition:width .5s cubic-bezier(.16,1,.3,1)}
.qf-prog span{font-size:.85rem;font-weight:700;color:var(--muted);white-space:nowrap}
.qf-body{flex:1;overflow-y:auto;padding:18px 22px 24px;-webkit-overflow-scrolling:touch}
.qf-in{animation:qfIn .45s cubic-bezier(.16,1,.3,1)}@keyframes qfIn{from{opacity:0;transform:translateX(26px)}to{opacity:1;transform:none}}
.qf-promise{display:inline-block;margin:0 0 14px;padding:6px 12px;border-radius:99px;background:var(--accent);color:var(--primary);font-size:.85rem;font-weight:700}
.qf-echo{margin:0 0 6px;color:var(--primary);font-weight:700;font-size:1rem}
.qf-kicker{margin:0 0 6px;text-transform:uppercase;letter-spacing:.1em;font-size:.8rem;font-weight:800;color:var(--primary)}
.qf-q{font-size:clamp(1.45rem,4.4vw,1.85rem);margin:0 0 6px;color:var(--wine)}
.qf-sub{margin:0 0 16px;color:var(--muted);font-size:1rem}
.qf-opts{display:grid;gap:10px;margin-top:14px}.qf-grid{grid-template-columns:1fr 1fr}.qf-grid .qf-opt:last-child{grid-column:1/-1}
.qf-opt{display:flex;align-items:center;gap:12px;width:100%;min-height:60px;padding:14px 16px;text-align:left;font:inherit;font-size:1.02rem;font-weight:600;line-height:1.35;color:var(--ink);background:#fff;border:2px solid var(--line);border-radius:12px;cursor:pointer;transition:border-color .2s,background .2s,transform .15s}
.qf-grid .qf-opt{flex-direction:column;align-items:flex-start;min-height:104px}
.qf-opt:hover,.qf-opt:focus-visible{border-color:var(--primary-2);background:var(--accent);outline:none}
.qf-opt:active{transform:scale(.98)}
.qf-opt.sel{border-color:var(--primary);background:var(--accent);box-shadow:inset 0 0 0 1px var(--primary)}
.qf-opt.sel::after{content:"✓";margin-left:auto;color:#fff;background:var(--primary);width:26px;height:26px;border-radius:50%;display:grid;place-items:center;font-size:.9rem;flex:none}
.qf-grid .qf-opt.sel::after{position:absolute;margin:0}.qf-grid .qf-opt{position:relative}.qf-grid .qf-opt.sel::after{top:10px;right:10px}
.qf-opt:disabled{cursor:default}
.qf-ic{font-size:1.4rem;color:var(--primary);line-height:1}
.qf-teach{font-size:1.1rem;background:#fff;border-left:4px solid var(--primary);border-radius:8px;padding:16px 18px;margin:12px 0 20px}
.qf-go{width:100%;margin-top:10px;min-height:54px}
.qf-anal .qf-checks{list-style:none;padding:0;margin:20px 0 0}
.qf-checks li{opacity:0;animation:qfChk .5s forwards;padding:10px 0 10px 40px;position:relative;font-weight:600;font-size:1.05rem;border-bottom:1px solid var(--line)}
.qf-checks li::before{content:"✓";position:absolute;left:0;top:9px;width:28px;height:28px;border-radius:50%;background:var(--primary);color:#fff;display:grid;place-items:center;font-size:.9rem}
@keyframes qfChk{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.qf-label{display:inline-flex;align-items:center;gap:10px;margin:0 0 14px;padding:8px 16px;border-radius:10px;background:var(--wine);color:#fff;font-family:Fraunces,Georgia,serif;font-size:1.2rem;font-weight:600}
.qf-form{display:grid;gap:12px;margin-top:8px}
.qf-form label{display:grid;gap:4px;font-weight:700;font-size:.95rem;color:var(--wine)}
.qf-form input:not([type=checkbox]):not([type=radio]){font:inherit;font-size:1.05rem;padding:13px 14px;border:2px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);width:100%}
.qf-form input:focus{outline:none;border-color:var(--primary)}
.qf-opt-l{font-weight:500;color:var(--muted)}
.qf-times{border:0;padding:0;margin:0;display:flex;gap:8px;flex-wrap:wrap}.qf-times legend{font-weight:700;font-size:.95rem;color:var(--wine);margin-bottom:6px;padding:0}
.qf-times label{display:block}.qf-times input{position:absolute;opacity:0}
.qf-times span{display:block;padding:9px 16px;border:2px solid var(--line);border-radius:99px;background:#fff;font-weight:700;color:var(--ink);cursor:pointer}
.qf-times input:checked+span{border-color:var(--primary);background:var(--primary);color:#fff}.qf-times input:focus-visible+span{outline:3px solid var(--primary-2);outline-offset:2px}
.qf-consent{display:flex!important;grid-template-columns:none;gap:10px;align-items:flex-start;font-weight:500!important;font-size:.88rem!important;color:var(--muted)!important;line-height:1.45}
.qf-consent input{width:22px;height:22px;flex:none;margin-top:2px;accent-color:var(--primary)}
.qf-hp{position:absolute!important;left:-9999px;width:1px;height:1px}
.qf-err{color:#b3261e;font-weight:700;margin:0;min-height:0}.qf-err:empty{display:none}
.qf-safe{margin:0;text-align:center;font-size:.85rem;color:var(--muted)}
.qf-mirror{font-size:1.05rem;font-style:italic;color:var(--wine);background:#fff;border-radius:10px;padding:12px 16px;border:1px solid var(--line)}
.qf-res h3{margin:18px 0 6px;font-size:1.2rem}
.qf-objection{background:var(--accent);border-radius:10px;padding:14px 16px;margin:16px 0}.qf-objection p{margin:0}.qf-oq{font-weight:800;color:var(--wine);margin-bottom:4px!important}
.qf-trust{list-style:none;padding:0;margin:0 0 8px;font-size:.95rem}.qf-trust li{padding:4px 0 4px 26px;position:relative}.qf-trust li::before{content:"✓";position:absolute;left:0;color:var(--primary);font-weight:800}
.qf-foot{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:12px 22px;border-top:1px solid var(--line);background:#fff}
.qf-back{background:transparent;border:0;font:inherit;font-weight:700;color:var(--primary);cursor:pointer;padding:8px 4px;min-height:44px}
.qf-call{font-weight:700;font-size:.92rem;text-decoration:none;color:var(--wine)}.qf-call:hover{text-decoration:underline}
.qf-tab{position:fixed;right:0;top:50%;z-index:70;transform:translateY(-50%);writing-mode:vertical-rl;rotate:180deg;padding:18px 11px;background:var(--primary);color:#fff;border:0;border-radius:0 10px 10px 0;font:inherit;font-weight:800;letter-spacing:.12em;text-transform:uppercase;font-size:.85rem;cursor:pointer;box-shadow:-6px 0 24px rgba(60,16,32,.25);transition:background .2s,padding .2s}
.qf-tab:hover,.qf-tab:focus-visible{background:var(--wine);padding-right:15px}
.qf-mbar{display:none}
@media (max-width:760px){
 .qf{width:100vw;border-left:0}.qf-tab{display:none}
 .qf-mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:75;gap:10px;padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));background:#fff;border-top:1px solid var(--line);box-shadow:0 -10px 30px rgba(60,16,32,.15);transform:translateY(110%);transition:transform .35s cubic-bezier(.16,1,.3,1)}
 .qf-mbar.on{transform:none}
 .qf-mbar a,.qf-mbar button{flex:1;display:flex;align-items:center;justify-content:center;min-height:50px;border-radius:10px;font:inherit;font-weight:800;font-size:1rem;text-decoration:none;cursor:pointer}
 .qf-mcall{border:2px solid var(--primary);color:var(--primary);background:#fff;flex:0 0 38%!important}
 .qf-mgo{border:0;background:var(--primary);color:#fff}
 body{padding-bottom:72px}
}
@media (max-width:420px){.qf-grid{grid-template-columns:1fr}.qf-grid .qf-opt{min-height:60px;flex-direction:row;align-items:center}.qf-top{padding:12px 16px}.qf-body{padding:16px}.qf-foot{padding:10px 16px}.qf-call{font-size:.82rem}}
@media (prefers-reduced-motion:reduce){.qf,.qf-scrim,.qf-in,.qf-checks li,.qf-bar i,.qf-mbar{transition:none!important;animation:none!important}.qf-checks li{opacity:1}}
@media print{.qf,.qf-scrim,.qf-tab,.qf-mbar{display:none!important}}
.qf-switch{display:block;margin:16px auto 0;background:none;border:0;font:inherit;font-size:.95rem;font-weight:700;color:var(--primary);text-decoration:underline;cursor:pointer;padding:8px;min-height:44px}
.qf-body{overflow-x:hidden}
.qf-top img{width:48px;height:48px;border-radius:50%;object-position:center 30%}