:root{--navy:#071b2d;--blue:#0d4d72;--cyan:#65c7da;--gold:#d6b168;--cream:#f3f0ea;--ink:#17222d;--muted:#65737f;--line:#d8e0e5;--white:#fff;--shadow:0 18px 52px rgba(6,24,39,.15)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.wrap{width:min(1240px,92%);margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.nav{min-height:104px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;gap:14px;min-width:330px}.brand img{width:78px;height:78px;object-fit:cover;border-radius:10px}.brand b{display:block;font-family:Georgia,serif;color:var(--navy);font-size:27px;letter-spacing:.02em;line-height:1}.brand small{display:block;margin-top:6px;color:#5b7080;text-transform:uppercase;letter-spacing:.14em;font-size:10px;font-weight:700}.navlinks{display:flex;align-items:center;gap:20px;font-size:13px;font-weight:800}.navlinks a:hover{color:var(--blue)}.btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--navy);background:var(--navy);color:#fff!important;padding:13px 18px;border-radius:7px;font-weight:800}.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)!important}.btn.ghost{background:transparent;border-color:rgba(255,255,255,.45)}
.hero{background:var(--navy);color:#fff;padding:48px 0 62px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:44px;align-items:center}.eyebrow,.kicker{text-transform:uppercase;letter-spacing:.18em;font-size:11px;font-weight:900;color:var(--cyan)}.hero h1{font-family:Georgia,serif;font-size:clamp(45px,6vw,78px);line-height:.98;letter-spacing:-.04em;margin:15px 0 22px}.hero h1 em{font-style:normal;color:var(--gold)}.hero p{font-size:18px;color:#d8e5ed;max-width:650px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.photo-collage{display:grid;grid-template-columns:1.35fr .75fr;grid-template-rows:240px 240px;gap:12px}.photo-collage img{width:100%;height:100%;object-fit:cover;border-radius:14px}.photo-collage .big{grid-row:1/3}.photo-badge{margin-top:12px;color:#a9becd;font-size:12px}
.trust{background:#0d273c;color:#d9e6ee}.trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.12)}.trust-item{background:#0d273c;padding:20px 24px}.trust-item b{display:block;color:#fff;font-size:14px}.trust-item span{font-size:12px;color:#9fb3c0}
section{padding:78px 0}.section-head{max-width:820px;margin-bottom:34px}.section-head h2{font-family:Georgia,serif;font-size:clamp(34px,4vw,52px);line-height:1.08;color:var(--navy);margin:9px 0 12px}.section-head p{color:var(--muted);font-size:17px}.cream{background:var(--cream)}.dark{background:var(--navy);color:#fff}.dark .section-head h2{color:#fff}.dark .section-head p{color:#c9d8e2}
.photo-services{display:grid;grid-template-columns:repeat(12,1fr);gap:18px}.svc{position:relative;min-height:330px;border-radius:16px;overflow:hidden;box-shadow:var(--shadow);background:#123}.svc img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.svc:after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,20,34,.08),rgba(5,20,34,.86))}.svc-content{position:absolute;z-index:2;left:24px;right:24px;bottom:22px;color:#fff}.svc-content span{font-size:10px;text-transform:uppercase;letter-spacing:.17em;color:#bde5ef;font-weight:900}.svc-content h3{font-family:Georgia,serif;font-size:25px;margin:5px 0 7px}.svc-content p{font-size:13px;color:#dce8ef;margin:0}.span7{grid-column:span 7}.span5{grid-column:span 5}.span4{grid-column:span 4}.span6{grid-column:span 6}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}.split img{border-radius:16px;box-shadow:var(--shadow);width:100%;min-height:470px;object-fit:cover}.copy h2{font-family:Georgia,serif;color:var(--navy);font-size:44px;line-height:1.08;margin:9px 0 16px}.copy p{color:var(--muted);font-size:16px}.checklist{display:grid;gap:10px;margin:22px 0}.check{display:flex;gap:11px;padding:12px 0;border-bottom:1px solid var(--line)}.check b{color:var(--blue)}
.mosaic{display:grid;grid-template-columns:1.15fr .85fr .85fr;grid-template-rows:250px 250px;gap:14px}.mosaic img{height:100%;width:100%;object-fit:cover;border-radius:13px}.mosaic .tall{grid-row:1/3}.mosaic .wide{grid-column:2/4}
.page-hero{background:linear-gradient(90deg,rgba(5,26,43,.92),rgba(5,26,43,.35)),var(--bg) center/cover;color:#fff;padding:100px 0}.page-hero h1{font-family:Georgia,serif;font-size:clamp(46px,6vw,74px);line-height:1;margin:12px 0;max-width:780px}.page-hero p{max-width:720px;color:#e0ebf2;font-size:18px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff}.card img{height:220px;width:100%;object-fit:cover}.card-body{padding:22px}.card h3{font-family:Georgia,serif;color:var(--navy);font-size:24px;margin:0 0 8px}.card p{color:var(--muted);font-size:14px}.card ul{padding-left:18px;color:var(--muted);font-size:14px}
.stat-band{background:var(--blue);color:#fff;padding:34px 0}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.stats b{font-family:Georgia,serif;font-size:26px}.stats span{display:block;color:#c9e5ef;font-size:13px}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:35px}.contact-panel{background:var(--navy);color:#fff;border-radius:16px;padding:32px}.contact-panel h2{font-family:Georgia,serif;font-size:38px;margin-top:0}.contact-panel p{color:#cad9e3}.form-card{border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:var(--shadow)}form{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field{display:flex;flex-direction:column;gap:6px}.full{grid-column:1/-1}label{font-size:12px;font-weight:800;color:#475763}input,select,textarea{width:100%;padding:12px 13px;border:1px solid #cad5dd;border-radius:7px;font:inherit}textarea{min-height:115px;resize:vertical}.small{font-size:11px;color:#75838d}
.footer{background:#06131f;color:#aebec9;padding:38px 0}.foot{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:30px}.footer strong{color:#fff}.footer a{color:#eaf2f6}.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:25px;padding-top:18px;font-size:11px;color:#8297a6}
@media(max-width:980px){.navlinks a:not(.btn){display:none}.hero-grid,.split,.contact-grid{grid-template-columns:1fr}.photo-services{grid-template-columns:1fr 1fr}.photo-services>*{grid-column:auto!important}.trust-row,.cards{grid-template-columns:1fr 1fr}.mosaic{grid-template-columns:1fr 1fr}.mosaic .wide{grid-column:auto}.mosaic .tall{grid-row:auto}.photo-collage{max-width:760px}.brand{min-width:auto}}
@media(max-width:640px){.nav{min-height:88px}.brand img{width:62px;height:62px}.brand b{font-size:22px}.brand small{font-size:8px}.nav .btn{padding:10px 12px;font-size:11px}.photo-collage{grid-template-columns:1fr;grid-template-rows:250px 180px 180px}.photo-collage .big{grid-row:auto}.trust-row,.cards,.photo-services,.stats,.foot,form{grid-template-columns:1fr}.full{grid-column:auto}.mosaic{grid-template-columns:1fr;grid-template-rows:auto}.mosaic img{height:260px}.hero{padding-top:36px}.page-hero{padding:70px 0}.copy h2{font-size:36px}}


/* 50/50 service split */
.dual-services{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:stretch}
.dual-panel{position:relative;overflow:hidden;border-radius:20px;min-height:760px;box-shadow:var(--shadow);background:#0b2134;color:#fff}
.dual-panel.claims-side{background:#eef4f8;color:var(--ink);border:1px solid var(--line)}
.dual-visual{height:285px;position:relative;overflow:hidden}
.dual-visual img{width:100%;height:100%;object-fit:cover}
.dual-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,20,34,.02),rgba(5,20,34,.48))}
.dual-body{padding:30px}
.dual-panel .eyeline{font-size:11px;text-transform:uppercase;letter-spacing:.18em;font-weight:900;color:var(--cyan)}
.dual-panel.claims-side .eyeline{color:var(--blue)}
.dual-panel h2{font-family:Georgia,serif;font-size:38px;line-height:1.05;margin:8px 0 12px}
.dual-panel p{font-size:15px;color:#d5e2ea}
.dual-panel.claims-side p{color:var(--muted)}
.service-group{margin-top:24px}
.service-group h3{font-size:15px;text-transform:uppercase;letter-spacing:.1em;margin:0 0 11px;color:var(--gold)}
.claims-side .service-group h3{color:var(--blue)}
.service-list{display:grid;grid-template-columns:1fr 1fr;gap:10px 13px}
.service-pill{border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.06);border-radius:10px;padding:11px 12px;font-size:13px;line-height:1.3}
.claims-side .service-pill{background:#fff;border-color:#d8e4ec;color:#314250}
.dual-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:25px}
.claims-side .btn.secondary{background:#fff;color:var(--navy)!important;border-color:#b8cad7}
.split-intro{text-align:center;max-width:900px;margin:0 auto 34px}
.split-intro h1,.split-intro h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(36px,5vw,58px);line-height:1.05;margin:8px 0 13px}
.split-intro p{color:var(--muted);font-size:17px}
.category-band{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:22px}
.category-note{border-radius:14px;padding:20px 22px;background:#0d273c;color:#d8e5ed}
.category-note.light{background:#f3f6f8;color:#536775;border:1px solid var(--line)}
.category-note strong{display:block;color:#fff;margin-bottom:5px}
.category-note.light strong{color:var(--navy)}
@media(max-width:900px){.dual-services,.category-band{grid-template-columns:1fr}.dual-panel{min-height:auto}}
@media(max-width:640px){.dual-visual{height:225px}.dual-body{padding:22px}.service-list{grid-template-columns:1fr}.dual-panel h2{font-size:32px}}


/* ===== Concept C homepage: photo-forward, no "divisions" ===== */
.home-c{background:#fff;color:#172635}
.home-c .topline{background:#071c2c;color:#d9e6ed;font-size:12px}
.home-c .topline .wrap{display:flex;justify-content:space-between;gap:20px;padding:8px 0}
.home-c .topline a{color:#fff}
.home-c .c-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid #dce5eb;backdrop-filter:blur(8px)}
.home-c .c-nav{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.home-c .c-brand{display:flex;align-items:center;gap:12px}
.home-c .c-brand img{width:82px;height:82px;object-fit:contain}
.home-c .c-brand b{display:block;color:#0b2840;font-size:21px;letter-spacing:.13em}
.home-c .c-brand small{display:block;color:#6b7c89;font-size:10px;text-transform:uppercase;letter-spacing:.13em}
.home-c .c-links{display:flex;align-items:center;gap:22px;font-size:14px;font-weight:700}
.home-c .c-links a:hover{color:#176fa3}
.home-c .c-btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:8px;background:#176fa3;color:#fff!important;font-weight:800;border:1px solid #176fa3}
.home-c .c-btn.gold{background:#c89a45;border-color:#c89a45;color:#102335!important}
.home-c .c-btn.ghost{background:transparent;border-color:rgba(255,255,255,.55)}
.home-c .c-hero{min-height:660px;display:flex;align-items:center;color:#fff;background:linear-gradient(90deg,rgba(4,24,40,.95),rgba(5,36,59,.73) 54%,rgba(5,36,59,.18)),url('assets/nyc-hero.webp') center/cover}
.home-c .c-hero-inner{padding:92px 0}
.home-c .c-kicker{font-size:11px;text-transform:uppercase;letter-spacing:.2em;font-weight:900;color:#8bd4eb}
.home-c .c-hero h1{font-family:Georgia,serif;font-size:clamp(49px,6vw,78px);line-height:.98;letter-spacing:-.035em;max-width:870px;margin:13px 0 22px}
.home-c .c-hero h1 span{color:#e4bb6e}
.home-c .c-hero p{font-size:19px;max-width:780px;color:#e2edf3}
.home-c .c-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.home-c .photo-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.home-c .photo-strip article{height:245px;position:relative;overflow:hidden}
.home-c .photo-strip img{width:100%;height:100%;object-fit:cover;display:block;transition:.35s}
.home-c .photo-strip article:hover img{transform:scale(1.035)}
.home-c .photo-strip article:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 42%,rgba(4,20,33,.82))}
.home-c .photo-strip .cap{position:absolute;left:24px;right:24px;bottom:20px;z-index:2;color:#fff}
.home-c .photo-strip .cap b{display:block;font-size:19px}.home-c .photo-strip .cap span{font-size:12px;color:#dbe7ee}
.home-c .c-section{padding:78px 0}
.home-c .c-head{display:grid;grid-template-columns:1fr 330px;gap:40px;align-items:end;margin-bottom:34px}
.home-c .c-head h2{font-family:Georgia,serif;color:#0b2840;font-size:clamp(36px,4.4vw,54px);line-height:1.05;margin:8px 0 12px}
.home-c .c-head p{color:#687988;font-size:16px;margin:0}
.home-c .c-note{border-left:3px solid #c89a45;padding-left:15px;color:#6a7c89;font-size:13px}
.home-c .services-photos{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.home-c .service-photo-card{border:1px solid #dce5eb;border-radius:16px;overflow:hidden;background:#fff;box-shadow:0 5px 18px rgba(5,34,56,.06)}
.home-c .service-photo-card img{width:100%;height:215px;object-fit:cover;display:block}
.home-c .service-photo-body{padding:22px}
.home-c .service-photo-body .label{font-size:10px;letter-spacing:.15em;text-transform:uppercase;font-weight:900;color:#176fa3}
.home-c .service-photo-body h3{font-size:20px;color:#0b2840;margin:6px 0 9px}
.home-c .service-photo-body p{font-size:13.5px;color:#687988;margin:0 0 12px}
.home-c .ticks{display:grid;gap:7px;font-size:13px;color:#3c5060}
.home-c .ticks span:before{content:"✓";color:#c89a45;font-weight:900;margin-right:7px}
.home-c .dark{background:#071c2c;color:#fff}
.home-c .dark .c-kicker{color:#8bd4eb}
.home-c .dark h2{font-family:Georgia,serif;font-size:clamp(35px,4vw,50px);margin:8px 0 12px}
.home-c .dark p{color:#c9d8e1}
.home-c .who-photo-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:30px}
.home-c .who-photo{border-radius:15px;overflow:hidden;background:#0d304b;border:1px solid rgba(255,255,255,.1)}
.home-c .who-photo img{width:100%;height:175px;object-fit:cover}
.home-c .who-copy{padding:20px}.home-c .who-copy h3{margin:0 0 7px;font-size:17px}.home-c .who-copy p{font-size:13px;margin:0;color:#c8d6df}
.home-c .process-bg{background:#f5f7f9}
.home-c .step-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}
.home-c .step-card{background:#fff;border:1px solid #dce5eb;border-radius:14px;overflow:hidden}
.home-c .step-card img{width:100%;height:145px;object-fit:cover;display:block}
.home-c .step-copy{padding:20px}
.home-c .num{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:#c89a45;color:#102335;font-weight:900;margin-top:-39px;position:relative;border:4px solid #fff}
.home-c .step-copy h3{color:#0b2840;margin:12px 0 7px}.home-c .step-copy p{font-size:13px;color:#687988;margin:0}
.home-c .coverage-c{display:grid;grid-template-columns:1.05fr .95fr;background:#0b2840;color:#fff;border-radius:18px;overflow:hidden}
.home-c .coverage-c img{width:100%;height:100%;min-height:450px;object-fit:cover}
.home-c .coverage-copy{padding:45px}
.home-c .coverage-copy h2{font-family:Georgia,serif;font-size:42px;line-height:1.05;margin:8px 0 15px}
.home-c .coverage-copy p{color:#d4e0e7}
.home-c .coverage-tags{display:flex;gap:8px;flex-wrap:wrap;margin-top:20px}
.home-c .coverage-tags span{padding:7px 9px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13);font-size:12px}
.home-c .gallery-band{display:grid;grid-template-columns:2fr 1fr 1fr;grid-template-rows:235px 235px;gap:10px}
.home-c .gallery-band img{width:100%;height:100%;object-fit:cover;border-radius:12px}
.home-c .gallery-band img:first-child{grid-row:1/3}
.home-c .cta-c{display:flex;justify-content:space-between;align-items:center;gap:30px;padding:42px;border-radius:18px;background:linear-gradient(120deg,#0b2840,#155b87);color:#fff}
.home-c .cta-c h2{font-family:Georgia,serif;font-size:38px;margin:0 0 8px}.home-c .cta-c p{margin:0;color:#dbe7ed;max-width:700px}
.home-c .c-footer{background:#04131f;color:#9eb1bd;padding:34px 0;font-size:13px}.home-c .foot-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:30px}.home-c .c-footer strong{color:#fff}.home-c .c-footer a{color:#fff}.home-c .legal-c{border-top:1px solid rgba(255,255,255,.1);margin-top:22px;padding-top:17px;font-size:11px}
@media(max-width:950px){.home-c .c-links a:not(.c-btn){display:none}.home-c .services-photos{grid-template-columns:1fr 1fr}.home-c .who-photo-grid,.home-c .step-grid{grid-template-columns:1fr 1fr}.home-c .c-head{grid-template-columns:1fr}.home-c .coverage-c{grid-template-columns:1fr}.home-c .gallery-band{grid-template-columns:1fr 1fr;grid-template-rows:230px 230px}.home-c .gallery-band img:first-child{grid-row:auto;grid-column:1/3}.home-c .c-brand div{display:none}}
@media(max-width:640px){.home-c .topline{display:none}.home-c .c-nav{min-height:78px}.home-c .c-brand img{width:62px;height:62px}.home-c .c-hero{min-height:570px}.home-c .c-hero-inner{padding:70px 0}.home-c .c-hero h1{font-size:46px}.home-c .photo-strip{grid-template-columns:1fr}.home-c .photo-strip article{height:205px}.home-c .services-photos,.home-c .who-photo-grid,.home-c .step-grid,.home-c .foot-grid{grid-template-columns:1fr}.home-c .coverage-copy{padding:30px}.home-c .gallery-band{display:grid;grid-template-columns:1fr;grid-template-rows:repeat(5,210px)}.home-c .gallery-band img:first-child{grid-column:auto}.home-c .cta-c{display:block;padding:30px}.home-c .cta-c .c-btn{margin-top:18px}}


/* Live answering service callout */
.answering-band{background:#eef5f9;border-top:1px solid #d9e5ec;border-bottom:1px solid #d9e5ec}
.answering-wrap{display:grid;grid-template-columns:72px 1fr auto;gap:20px;align-items:center;padding:24px 0}
.answering-icon{width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:#0b2840;color:#fff;font-size:26px}
.answering-copy strong{display:block;color:#0b2840;font-size:18px;margin-bottom:3px}
.answering-copy span{color:#647684;font-size:14px}
.answering-call{display:flex;align-items:center;gap:12px}
.answering-call a{white-space:nowrap}
.answering-note{font-size:11px;color:#71828e;margin-top:5px}
@media(max-width:760px){
  .answering-wrap{grid-template-columns:56px 1fr;padding:20px 0}
  .answering-icon{width:48px;height:48px;font-size:22px}
  .answering-call{grid-column:1/-1}
}