:root{--navy:#05284e;--navy2:#001f3e;--cream:#fbf3e7;--green:#4d7136;--olive:#84933c;--gold:#a6a342;--ink:#0b294d;--hair:#d7c2a4}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:"DM Sans",Arial,sans-serif}.wrap{width:min(1450px,calc(100% - 72px));margin:auto}a{text-decoration:none;color:inherit}
.site-header{height:112px;background:linear-gradient(90deg,var(--navy),var(--navy2));color:white;display:flex;align-items:center;position:relative;z-index:20}.nav{display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:18px;min-width:410px}.geico{font-size:47px;font-weight:800;letter-spacing:-2.4px}.dot{color:#a9aa43}.divider{height:55px;border-left:3px solid #a8aa43}.exclusive{font-size:22px;line-height:1.06;font-weight:800;letter-spacing:.07em}.navlinks{display:flex;gap:36px;align-items:center;font-weight:600;font-size:15px}.navlinks>a:not(.top-quote):hover{opacity:.76}.top-quote{background:#83943f;padding:16px 24px;border-radius:6px;font-weight:800}.menu{display:none;background:none;border:0;color:white;font-size:28px}

.hero{height:720px;position:relative;overflow:hidden;background:#d8c498}.hero-photo{position:absolute;inset:0;background-image:var(--hero);background-size:cover;background-position:center 52%;filter:saturate(.96) contrast(1.02)}.hero-wash{position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,247,232,.99) 0%,rgba(255,247,232,.91) 25%,rgba(255,247,232,.54) 42%,rgba(255,247,232,.05) 63%,rgba(0,0,0,.1) 100%)}.hero-content{position:relative;height:100%;display:grid;grid-template-columns:1.08fr .92fr;align-items:center;padding-bottom:55px}.hero-copy{padding-left:5px}.eyebrow{font-size:17px;letter-spacing:.085em;font-weight:800;color:var(--green);display:flex;align-items:center;gap:14px}.eyebrow span{width:70px;border-top:1px solid #799058}.hero h1{font:600 72px/.95 "Playfair Display",Georgia,serif;letter-spacing:-2px;margin:23px 0 26px;color:#072a52}.hero h1 em{color:var(--green);font-weight:600}.hero-copy>p{font-size:20px;line-height:1.62;max-width:565px;margin:0}.hero-actions{display:flex;align-items:center;gap:34px;margin-top:30px}.pill{background:var(--navy);color:#fff;border-radius:28px;padding:17px 25px;font-weight:800;display:inline-flex;align-items:center;gap:18px}.pill span{font-size:20px}.underlink{font-size:14px;font-weight:800;border-bottom:3px solid #8f9956;padding:11px 0 7px}
.fifty-wrap{text-align:center;color:#f5e6c6;text-shadow:0 3px 13px rgba(0,0,0,.5);margin-top:78px}.fifty{display:flex;align-items:flex-end;justify-content:center}.number{font:italic 176px/.72 "Playfair Display",Georgia,serif}.years{font:italic 62px/.9 "Playfair Display",Georgia,serif;margin-left:-29px;margin-bottom:8px}.of-trust{display:flex;justify-content:center;align-items:center;gap:20px;font-size:30px;letter-spacing:.18em;margin:30px 0 21px}.of-trust span{width:63px;border-top:2px solid #7e8b3c}.longest{font-size:19px;line-height:1.55;font-weight:800}
.hero-wave{position:absolute;left:-2%;bottom:-1px;width:104%;height:90px;background:var(--cream);border-radius:50% 50% 0 0/72% 72% 0 0}

.both{text-align:center;padding:15px 0 58px}.both h2,.agency-story h2,.closing h2{font:600 42px/1.04 "Playfair Display",Georgia,serif;margin:0}.both h3{font-size:18px;color:#587438;letter-spacing:.04em;margin:7px 0}.nc-mark{display:flex;justify-content:center;align-items:center;gap:12px;color:#687f45;margin:8px}.nc-mark span{width:60px;border-top:1px solid #71804d}.benefits{display:grid;grid-template-columns:repeat(4,1fr);margin-top:20px}.benefits article{padding:8px 42px 2px;border-right:1px solid var(--hair)}.benefits article:last-child{border-right:0}.line-icon{height:72px;display:flex;align-items:center;justify-content:center;font-size:42px;color:#52753d}.shield{width:60px;margin:0 auto;border:3px solid var(--navy);border-radius:42% 42% 50% 50%}.state{font-size:25px;font-weight:800}.benefits h4{font-size:16px;margin:8px 0}.benefits p{font-size:15px;line-height:1.6;margin:0}

.agency{display:grid;grid-template-columns:1fr 1fr;min-height:430px}.agency-photo{background:linear-gradient(135deg,#b8a487,#715a44);display:grid;place-items:center}.photo-panel{width:78%;height:72%;border:1px solid rgba(255,255,255,.55);background:linear-gradient(135deg,rgba(255,255,255,.12),rgba(0,0,0,.12));display:flex;flex-direction:column;align-items:center;justify-content:center;color:white;text-align:center}.photo-copy{font:600 28px "Playfair Display",Georgia,serif}.photo-sub{font-size:12px;margin-top:8px;opacity:.8}.agency-story{background:#fcf5e9}.story-inner{position:relative;max-width:680px;padding:55px 60px}.eyebrow.small{font-size:14px}.agency-story h2{font-size:40px;margin:8px 0 16px}.agency-story h2 em,.closing h2 em{color:var(--green)}.short-line{width:55px;border-top:2px solid #83934b;margin:20px 0}.agency-story p{max-width:495px;font-size:14px;line-height:1.7}.small-pill{font-size:13px;padding:13px 20px}.stamp{position:absolute;right:5px;bottom:28px;width:150px;height:150px;border:2px solid #78865a;border-radius:50%;display:flex;align-items:center;justify-content:center;text-align:center;color:#63774e;font-size:11px;letter-spacing:.15em;transform:rotate(-7deg)}.stamp strong{font:italic 25px "Playfair Display",Georgia,serif;letter-spacing:0}

.experience{background:linear-gradient(90deg,var(--navy),#002d55);color:white;padding:26px 0 32px}.exp-title{display:flex;justify-content:center;align-items:center;gap:24px;font-size:18px;letter-spacing:.27em}.exp-title span{width:92px;border-top:1px solid #9aa33d}.stats{display:grid;grid-template-columns:repeat(4,1fr);margin-top:22px}.stats article{display:grid;grid-template-columns:65px auto;gap:0 14px;border-right:1px solid rgba(255,255,255,.45);padding:0 34px}.stats article:last-child{border-right:0}.stat-icon{grid-row:1/4;font-size:46px}.stats strong{font:600 31px "Playfair Display",Georgia,serif}.stats p{font-size:13px;line-height:1.5;margin:0}.stats small{font-size:12px;color:#b0b83a;margin-top:4px}

.closing{height:235px;position:relative;overflow:hidden}.closing-bg{position:absolute;inset:auto 0 0 0;height:100px;background:linear-gradient(170deg,transparent 32%,#7a875b 33%,#365036 78%);opacity:.55}.closing-grid{position:relative;height:100%;display:grid;grid-template-columns:1fr 1.15fr .9fr;align-items:center;gap:40px}.help{display:flex;align-items:center;gap:18px}.phone-icon{width:68px;height:68px;border:2px solid #687c51;border-radius:50%;display:grid;place-items:center;color:#5b743d;font-size:30px}.help b{color:#4f7137}.help p{font-size:14px;line-height:1.35;margin:3px 0}.closing h2{font-size:39px}.final-cta{text-align:center;display:flex;align-items:center;flex-direction:column;gap:8px}.final-cta small{font-size:11px;font-weight:800}.license-note{font-size:9px;padding:8px 12px;background:#071b33;color:#96a7ba;text-align:center}

@media(max-width:900px){
 .wrap{width:min(100% - 28px,1450px)}.site-header{height:96px}.brand{min-width:0;gap:10px}.geico{font-size:36px}.divider{height:48px}.exclusive{font-size:16px}.menu{display:block}.navlinks{display:none;position:absolute;top:96px;left:0;right:0;background:var(--navy);flex-direction:column;padding:22px}.navlinks.open{display:flex}
 .hero{height:650px}.hero-photo{background-position:58% center}.hero-wash{background:linear-gradient(90deg,rgba(255,247,232,.98),rgba(255,247,232,.84) 50%,rgba(255,247,232,.08) 82%)}.hero-content{display:block;padding-top:28px}.eyebrow{font-size:11px}.hero h1{font-size:42px;line-height:.94;letter-spacing:-1px;margin:12px 0 14px;max-width:360px}.hero-copy>p{font-size:13px;line-height:1.45;max-width:255px}.hero-actions{display:block;margin-top:14px}.hero-actions .pill{font-size:10px;padding:11px 15px}.underlink{display:block;width:max-content;font-size:10px;margin-top:7px}.fifty-wrap{position:absolute;right:8px;bottom:88px;width:190px;margin:0}.number{font-size:84px}.years{font-size:31px;margin-left:-14px}.of-trust{font-size:17px;gap:7px;margin:14px 0 9px}.of-trust span{width:30px}.longest{font-size:8px}.hero-wave{height:55px}
 .both{padding:4px 0 18px}.both h2{font-size:25px}.both h3{font-size:10px}.nc-mark{font-size:8px}.benefits{grid-template-columns:repeat(4,1fr);margin-top:7px}.benefits article{padding:7px;border-right:1px solid var(--hair)}.line-icon{height:42px;font-size:28px}.shield{width:35px;border-width:2px}.benefits h4{font-size:8px;line-height:1.15}.benefits p{font-size:7px;line-height:1.35}
 .agency{grid-template-columns:1fr 1fr;min-height:285px}.agency-photo{order:2}.agency-story{order:1}.story-inner{padding:22px 14px}.eyebrow.small{font-size:9px}.agency-story h2{font-size:22px}.short-line{margin:10px 0;width:35px}.agency-story p{font-size:8px;line-height:1.5}.small-pill{font-size:8px;padding:9px 12px}.stamp{display:none}.photo-copy{font-size:15px}.photo-sub{font-size:7px}
 .experience{padding:10px 0 12px}.exp-title{font-size:9px;letter-spacing:.2em}.exp-title span{width:40px}.stats{grid-template-columns:repeat(4,1fr);margin-top:8px}.stats article{grid-template-columns:28px auto;gap:0 5px;padding:4px 6px}.stat-icon{font-size:21px}.stats strong{font-size:15px}.stats p,.stats small{font-size:6px}
 .closing{height:105px}.closing-grid{grid-template-columns:1fr 1.15fr .9fr;gap:8px}.help{gap:5px}.phone-icon{width:31px;height:31px;font-size:14px}.help b{font-size:7px}.help p{font-size:6px}.closing h2{font-size:18px}.final-cta{gap:3px}.final-cta .pill{font-size:7px;padding:8px 10px}.final-cta small{font-size:5px}.closing-bg{height:38px}
}

/* v11 — corrected NC hero: wooded, winding road; no farm/desert/business imagery */
.hero-photo{
  background-position:center 58%;
  filter:saturate(.94) contrast(1.03) brightness(.98);
}
.hero-wash{
  background:
    linear-gradient(
      90deg,
      rgba(255,247,232,.99) 0%,
      rgba(255,247,232,.94) 23%,
      rgba(255,247,232,.64) 40%,
      rgba(255,247,232,.08) 60%,
      rgba(0,0,0,.10) 100%
    );
}
@media(max-width:900px){
  .hero-photo{background-position:center center}
}

/* v12 lower-page refinement */
.agency-photo-real{
  background:
    linear-gradient(rgba(0,0,0,.02),rgba(0,0,0,.02)),
    url("assets/agency-office-development.png") center center/cover no-repeat;
  min-height:430px;
}
.story-inner{padding-top:52px;padding-bottom:48px}
.agency-story p{max-width:520px}
.experience{padding:25px 0 30px}
.stats article{align-items:center}
.stats strong{font-size:24px}
.stats p{font-size:12px}
.stats small{font-size:11px}
.closing{background:#f8f0e3}
.closing-bg{
  height:110px;
  background:
    linear-gradient(170deg,transparent 28%,rgba(103,123,75,.28) 29%,rgba(48,76,52,.55) 78%);
}
@media(max-width:900px){
  .agency-photo-real{min-height:285px}
}

/* v13: no extra bottom banner; credibility band is the visual finish */
.experience{position:relative}
#contact{position:absolute;top:0}

/* v14: lower agency photo removed for now */
.agency{grid-template-columns:1fr;min-height:0}
.agency-story{width:100%}
.story-inner{max-width:1100px;margin:0 auto;padding:62px 60px}
@media(max-width:900px){
  .agency{grid-template-columns:1fr}
  .story-inner{padding:34px 22px}
}

/* v17: clean typography-only credibility band */
.stats article{display:block;padding:8px 42px;text-align:left}
.stats strong{display:block;margin-bottom:7px}
.stats p{margin-bottom:5px}

/* v18: exact GEICO wordmark from user-supplied artwork */
.geico{
  display:flex;
  align-items:center;
  width:250px;
  height:auto;
}
.geico img{
  display:block;
  width:100%;
  height:auto;
  object-fit:contain;
}
@media(max-width:900px){
  .geico{width:160px}
}

/* v19: GEICO wordmark background removed so it sits directly on header navy */
.geico img{background:transparent}

/* v21 nav simplification */
.both{position:relative}#products{position:absolute;top:0}

/* v36: Dave Donoho added to agency lockup */
.dave-banner{
  margin-left:18px;
  padding-left:18px;
  border-left:1px solid rgba(255,255,255,.35);
  font-size:15px;
  font-weight:700;
  letter-spacing:.12em;
  white-space:nowrap;
}
@media(max-width:900px){
  .dave-banner{display:none}
}

/* v37 ownership disclosure */
.ownership-line{
  background:#071b33;
  color:rgba(255,255,255,.82);
  text-align:center;
  padding:11px 20px 12px;
  font-size:11px;
  letter-spacing:.04em;
}