/* Texas Plumbing Insurance — operated by Texas Viking Insurance, LLC
   Tokens first. Navy / teal / light gray with restrained copper. */
:root{
  --navy:#0E2233;
  --navy-2:#16324A;
  --navy-3:#24496A;
  --teal:#2BA8A0;          /* graphic teal (lines, marks) */
  --teal-ink:#13706A;      /* teal text/links on light, AA */
  --teal-soft:#E3F3F1;
  --copper:#C8763A;
  --copper-ink:#9A531F;
  --copper-soft:#F8ECE2;
  --gray-50:#F6F8F9;
  --gray-100:#EDF1F3;
  --gray-200:#DCE3E7;
  --gray-300:#C3CDD3;
  --ink:#15222D;
  --ink-2:#3F4F5C;
  --ink-3:#62717D;
  --white:#fff;
  --r:8px; --r-lg:12px;
  --max:1200px; --read:740px;
  --head:"Barlow Semi Condensed","Arial Narrow",Arial,sans-serif;
  --body:"Public Sans","Segoe UI",Roboto,Arial,sans-serif;
  --shadow:0 1px 2px rgba(14,34,51,.06),0 10px 30px rgba(14,34,51,.07);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--body);font-size:17.5px;line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-ink);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--copper-ink)}
:focus-visible{outline:3px solid var(--copper);outline-offset:2px}
h1,h2,h3,h4{font-family:var(--head);color:var(--navy);line-height:1.1;margin:0 0 .5em;font-weight:700;letter-spacing:-.005em}
h1{font-size:clamp(2.3rem,5vw,3.9rem)}
h2{font-size:clamp(1.75rem,3.2vw,2.5rem)}
h3{font-size:1.35rem;font-weight:600}
h4{font-size:1.05rem;font-weight:600}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.2em;padding-left:1.25em}
li{margin:.3em 0}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;z-index:100;background:#fff;padding:.5rem 1rem}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.read{max-width:var(--read)}
.eyebrow{font-family:var(--head);font-weight:600;font-size:.9rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-ink);margin:0 0 .9rem;display:flex;align-items:center;gap:.6rem}
.eyebrow::before{content:"";width:10px;height:10px;border:2.5px solid var(--copper);border-radius:50%}
.lede{font-size:1.18rem;color:var(--ink-2);max-width:40em}
.muted{color:var(--ink-3)}.small{font-size:.9rem}
.mt1{margin-top:1rem}.mt2{margin-top:2rem}.mt3{margin-top:3rem}.mb0{margin-bottom:0}.mt0{margin-top:0}

/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;border-bottom:3px solid var(--teal)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;min-height:74px}
.brand{display:flex;align-items:center;gap:.75rem;text-decoration:none;color:#fff}
.brand:hover{color:#fff}
.brand-mark{width:42px;height:42px;flex:none}
.site-header .brand-mark rect{fill:var(--navy-2)}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{font-family:var(--head);font-size:1.3rem;font-weight:600;letter-spacing:.02em;text-transform:uppercase}
.brand-name b{font-weight:700;color:var(--teal)}
.brand-sub{font-size:.74rem;color:#A9B8C4;margin-top:5px;letter-spacing:.02em}
.nav{display:flex;align-items:center;gap:1.3rem}
.nav a{color:#DDE6EC;text-decoration:none;font-size:.95rem;font-weight:500;white-space:nowrap}
.nav a:hover,.nav a[aria-current=page]{color:#fff;box-shadow:inset 0 -2px 0 var(--copper)}
.nav .btn,.nav .nav-phone{box-shadow:none}
.nav-phone{font-weight:600!important;color:#fff!important}
.nav-toggle{display:none;align-items:center;gap:.5rem;background:none;border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:var(--r);padding:.5rem .8rem;font:inherit;font-size:.92rem;cursor:pointer}
.bars{width:16px;height:2px;background:#fff;position:relative}.bars::before,.bars::after{content:"";position:absolute;left:0;width:16px;height:2px;background:#fff}.bars::before{top:-5px}.bars::after{top:5px}
@media (max-width:1120px){
  .nav-toggle{display:flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);flex-direction:column;align-items:stretch;gap:0;padding:.4rem 24px 1.3rem;border-bottom:3px solid var(--teal)}
  .nav.open{display:flex}
  .nav a{padding:.85rem 0;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav a:hover,.nav a[aria-current=page]{box-shadow:none;color:var(--teal)}
  .nav .btn{margin-top:1rem;text-align:center;border:0}
}
@media (max-width:460px){.brand-name{font-size:1.1rem}}

/* Buttons */
.btn{display:inline-block;font-family:var(--head);font-weight:600;font-size:1.05rem;letter-spacing:.02em;text-decoration:none;padding:.8rem 1.35rem;border-radius:var(--r);border:2px solid transparent;cursor:pointer;line-height:1.2;transition:background .15s,border-color .15s,color .15s}
.btn-sm{padding:.55rem 1rem;font-size:.98rem}
.btn-copper{background:var(--copper);color:#1B0F06;border-color:var(--copper)}
.btn-copper:hover{background:#D88849;border-color:#D88849;color:#1B0F06}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-3);color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}.btn-ghost:hover{border-color:#fff;color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:.8rem;align-items:center}

/* Pipe rule: teal line with copper fittings */
.pipe-rule{height:14px;background:
  radial-gradient(circle at center,var(--copper) 0 4px,transparent 4.5px) 0 50%/180px 14px repeat-x,
  linear-gradient(var(--teal),var(--teal)) 0 50%/100% 4px no-repeat}

/* Hero */
.hero{background:var(--gray-100);position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:3.5rem;align-items:center;padding-top:4.5rem;padding-bottom:4.5rem}
.hero h1{max-width:13ch}
.hero-note{font-size:.92rem;color:var(--ink-3);margin-top:1.2rem}
.hero-media{position:relative}
.hero-media img{border-radius:var(--r-lg);box-shadow:var(--shadow);aspect-ratio:5/4;object-fit:cover;width:100%}
.hero-tag{position:absolute;left:-1.2rem;bottom:1.4rem;background:#fff;border-radius:var(--r);box-shadow:var(--shadow);padding:.9rem 1.1rem;max-width:280px;border-left:4px solid var(--copper);font-size:.9rem;line-height:1.45}
.hero-tag strong{display:block;font-family:var(--head);font-size:1.05rem;color:var(--navy)}
@media (max-width:920px){.hero .wrap{grid-template-columns:1fr;gap:2.4rem;padding-top:3rem;padding-bottom:3rem}.hero-tag{left:.8rem;bottom:.8rem}.hero h1{max-width:none}}

/* Page head */
.page-head{background:var(--gray-100)}
.page-head .ph-grid{padding-top:3.2rem;padding-bottom:3rem}
.page-head.with-photo .ph-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:center}
.page-head h1{font-size:clamp(2.1rem,4.4vw,3.3rem);max-width:20ch}
.ph-photo img{border-radius:var(--r-lg);aspect-ratio:4/3;object-fit:cover;width:100%;box-shadow:var(--shadow)}
@media (max-width:900px){.page-head.with-photo .ph-grid{grid-template-columns:1fr;gap:2rem}}
.crumbs{font-size:.86rem;margin-bottom:1.3rem;color:var(--ink-3)}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.4rem}
.crumbs li{margin:0}.crumbs li+li::before{content:"›";margin-right:.4rem}
.crumbs a{color:var(--ink-2);text-decoration:none}.crumbs a:hover{color:var(--teal-ink)}
.byline,.reviewed{font-size:.9rem;color:var(--ink-3);margin-top:.6rem}
.reviewed{display:inline-block;background:#fff;border:1px solid var(--gray-200);border-left:4px solid var(--teal);padding:.5rem .8rem;border-radius:var(--r)}

/* Sections */
.section{padding:5.2rem 0}.section-tight{padding:3.4rem 0}
.section.gray{background:var(--gray-50)}
.section.navy{background:var(--navy);color:#C7D3DC}
.section.navy h2,.section.navy h3{color:#fff}.section.navy .eyebrow{color:var(--teal)}
.section-head{max-width:780px;margin-bottom:2.8rem}
@media (max-width:720px){.section{padding:3.6rem 0}}
.grid{display:grid;gap:1.4rem}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:start}
.split.center{align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:2.4rem}}

.card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--r-lg);padding:1.6rem}
.card h3{margin-bottom:.35em}.card p:last-child{margin-bottom:0}
.card.link{display:block;text-decoration:none;color:inherit;transition:border-color .15s,box-shadow .15s}
.card.link:hover{border-color:var(--teal);box-shadow:var(--shadow)}
.card .more{display:inline-block;margin-top:.8rem;font-family:var(--head);font-weight:600;color:var(--teal-ink)}
.card .num{font-family:var(--head);font-weight:700;color:var(--copper-ink);font-size:.95rem;letter-spacing:.08em}
.section.navy .card{background:var(--navy-2);border-color:rgba(255,255,255,.1);color:#C7D3DC}
.cov-card{border-top:4px solid var(--teal)}

.ticks,.dashes{list-style:none;padding:0}
.ticks li,.dashes li{position:relative;padding-left:1.7rem;margin:.55em 0}
.ticks li::before{content:"";position:absolute;left:2px;top:.5em;width:11px;height:6px;border-left:2.5px solid var(--teal);border-bottom:2.5px solid var(--teal);transform:rotate(-45deg)}
.dashes li::before{content:"";position:absolute;left:0;top:.82em;width:11px;height:2.5px;background:var(--copper)}
.section.navy .ticks li::before{border-color:var(--teal)}

.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:1rem;margin:0}
.steps li{counter-increment:s;position:relative;margin:0;padding:1.2rem 1.3rem 1.2rem 4.2rem;background:#fff;border:1px solid var(--gray-200);border-radius:var(--r-lg)}
.steps li::before{content:counter(s);position:absolute;left:1.2rem;top:1.15rem;width:2rem;height:2rem;border-radius:50%;background:var(--teal-soft);color:var(--teal-ink);font-family:var(--head);font-weight:700;display:grid;place-items:center;border:2px solid var(--teal)}
.steps h3{font-size:1.15rem;margin-bottom:.25em}.steps p{margin:0;color:var(--ink-2)}

.callout{border-left:4px solid var(--copper);background:var(--copper-soft);padding:1rem 1.25rem;border-radius:0 var(--r) var(--r) 0;margin:1.5rem 0}
.callout p:last-child{margin:0}
.callout.teal{border-left-color:var(--teal);background:var(--teal-soft)}
.notice{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:var(--r);padding:1rem 1.2rem;font-size:.95rem;color:var(--ink-2)}
.stat-panel{background:var(--navy);color:#C7D3DC;border-radius:var(--r-lg);padding:2rem}
.stat-panel .big{font-family:var(--head);font-weight:700;font-size:3.6rem;color:#fff;line-height:1}
.stat-panel .big small{font-size:1.1rem;color:var(--teal);font-weight:600;margin-left:.3rem}
.stat-panel h3{color:#fff}

.band{background:var(--navy);color:#C7D3DC;padding:3.4rem 0;border-top:3px solid var(--teal)}
.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.band h2{color:#fff;font-size:clamp(1.5rem,2.8vw,2.1rem);margin:0 0 .3em}.band p{margin:0}

/* Article layout */
.layout-article{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:4rem;align-items:start}
@media (max-width:1000px){.layout-article{grid-template-columns:1fr}}
.aside-card{position:sticky;top:96px;background:var(--gray-50);border:1px solid var(--gray-200);border-top:4px solid var(--copper);border-radius:var(--r-lg);padding:1.5rem}
.aside-card h3{font-size:1.15rem}
.aside-card ul{padding-left:1.1em;font-size:.95rem}
.divider{border:0;height:1px;background:var(--gray-200);margin:1.5rem 0}
.prose{max-width:var(--read)}
.prose h2{font-size:1.9rem;margin-top:2.4rem}
.prose h3{margin-top:1.8rem}
.prose table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.95rem}
.prose th,.prose td{text-align:left;padding:.65rem .75rem;border-bottom:1px solid var(--gray-200);vertical-align:top}
.prose th{background:var(--gray-100);font-family:var(--head);font-weight:600;font-size:1rem;color:var(--navy)}
.prose blockquote{margin:1.5rem 0;border-left:4px solid var(--teal);background:var(--teal-soft);padding:1rem 1.2rem;border-radius:0 var(--r) var(--r) 0}
.prose blockquote p:last-child{margin:0}
.table-scroll{overflow-x:auto}
.key-points{background:var(--gray-50);border:1px solid var(--gray-200);border-left:4px solid var(--teal);border-radius:var(--r);padding:1.2rem 1.4rem;margin:0 0 2rem}
.key-points h2{font-size:1rem!important;margin:0 0 .5rem!important;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-ink)}
.key-points ul{margin:0}
.official{display:grid;gap:.8rem;margin:1.5rem 0}
.official a{display:flex;justify-content:space-between;gap:1rem;align-items:center;border:1px solid var(--gray-200);border-radius:var(--r);padding:.9rem 1.1rem;text-decoration:none;color:var(--navy);font-weight:600;background:#fff}
.official a:hover{border-color:var(--teal)}
.official span{font-weight:400;font-size:.88rem;color:var(--ink-3)}

/* FAQ */
.faq details{border-bottom:1px solid var(--gray-200);padding:1.05rem 0}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;font-family:var(--head);font-weight:600;font-size:1.2rem;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--copper-ink);font-size:1.5rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding-top:.7rem;color:var(--ink-2)}
.faq details>div p:last-child{margin:0}

/* Multi-step form */
.form-shell{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:3rem;align-items:start}
@media (max-width:1000px){.form-shell{grid-template-columns:1fr}}
.stepper{display:flex;gap:.5rem;margin:0 0 1.4rem;padding:0;list-style:none}
.stepper li{flex:1;margin:0;font-family:var(--head);font-weight:600;font-size:.95rem;color:var(--ink-3);padding-top:.6rem;border-top:4px solid var(--gray-200)}
.stepper li.on{color:var(--navy);border-top-color:var(--teal)}
.stepper li.done{color:var(--teal-ink);border-top-color:var(--teal)}
.stepper{display:none}.js .stepper{display:flex}
.review-form fieldset{border:1px solid var(--gray-200);border-radius:var(--r-lg);background:#fff;padding:1.6rem 1.6rem .4rem;margin:0 0 1.4rem}
.review-form legend{font-family:var(--head);font-weight:700;font-size:1.35rem;color:var(--navy);padding:0 .4rem}
.js .review-form fieldset.step{display:none}
.js .review-form fieldset.step.active{display:block}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:0 1.2rem}
.fields .full{grid-column:1/-1}
@media (max-width:640px){.fields{grid-template-columns:1fr}}
.field{margin-bottom:1.15rem}
.field label,.field .label{display:block;font-weight:600;font-size:.96rem;margin-bottom:.35rem}
.req{color:var(--copper-ink)}
.hint{font-size:.85rem;color:var(--ink-3);margin:.3rem 0 0}
.field input[type=text],.field input[type=email],.field input[type=tel],.field input[type=month],.field select,.field textarea{width:100%;font:inherit;font-size:1rem;padding:.72rem .8rem;border:1.5px solid var(--gray-300);border-radius:var(--r);background:#fff;color:var(--ink)}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(43,168,160,.22)}
.field.invalid input,.field.invalid select,.field.invalid .choices{border-color:#B3261E}
.err{display:none;color:#B3261E;font-size:.86rem;margin-top:.3rem}
.field.invalid .err{display:block}
.choices{display:flex;flex-wrap:wrap;gap:.5rem;border-radius:var(--r)}
.choices label{display:flex;align-items:center;gap:.45rem;font-weight:400;margin:0;border:1.5px solid var(--gray-300);border-radius:var(--r);padding:.5rem .8rem;cursor:pointer;background:#fff}
.choices input{accent-color:var(--teal-ink)}
.choices label:has(input:checked){border-color:var(--teal);background:var(--teal-soft)}
.form-nav{display:flex;justify-content:space-between;gap:1rem;align-items:center;margin:.4rem 0 1.2rem}
.form-nav .btn-back{background:none;border:0;color:var(--ink-2);font:inherit;text-decoration:underline;cursor:pointer;padding:.5rem 0}
.nojs-submit{display:block}.js .nojs-submit{display:none}
.inline-note{display:none;margin:0 0 1.2rem;font-size:.93rem;background:var(--copper-soft);border-left:4px solid var(--copper);padding:.8rem 1rem;border-radius:0 var(--r) var(--r) 0}
.inline-note.show{display:block}
.hp{position:absolute;left:-9999px}
.consent{font-size:.88rem;color:var(--ink-3)}

/* Footer */
.site-footer{background:#0A1925;color:#9DAEBB;font-size:.93rem;padding:3.8rem 0 2rem}
.site-footer a{color:#D6E0E7;text-decoration:none}.site-footer a:hover{color:#fff}
.site-footer strong{color:#fff}
.site-footer h4{color:#fff;font-size:.95rem;letter-spacing:.12em;text-transform:uppercase}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.4rem}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer-grid ul{list-style:none;padding:0;margin:0}.footer-grid li{margin:.45rem 0}
.footer-legal{border-top:1px solid rgba(255,255,255,.1);margin-top:2.8rem;padding-top:1.5rem;font-size:.84rem;color:#82939F}
.footer-legal p{margin:0 0 .6rem}
@media print{.site-header,.site-footer,.band,.aside-card{display:none}}
.prose li.chk{list-style:none;position:relative;margin-left:-1.25em;padding-left:2rem}
.prose li.chk::before{content:"";position:absolute;left:0;top:.3em;width:1.05rem;height:1.05rem;border:2px solid var(--teal);border-radius:3px;background:#fff}
.split>*,.grid>*,.layout-article>*,.form-shell>*{min-width:0}
@media (max-width:480px){.stat-panel{padding:1.5rem}.stat-panel .big{font-size:2.7rem}}
.brand-name{white-space:nowrap}
.hero h1{max-width:16ch}
.page-head:not(.with-photo) h1{max-width:24ch}
.stepper{scroll-margin-top:100px}
@media (min-width:1121px){.nav-phone{display:none}}
@media (max-width:560px){.brand-name{white-space:normal;font-size:1.02rem;line-height:1.05}.brand-sub{font-size:.7rem}.brand-mark{width:36px;height:36px}.site-header .wrap{gap:.8rem}.eyebrow{letter-spacing:.1em;font-size:.82rem}}