/* COFRFFM Combined Insurance Assessment & Homeowner Guide v2.0
   All site changes are limited to this plugin's own page. */
body.cofia-page {
  --cofia-deep:#162b21;
  --cofia-forest:#214c37;
  --cofia-green:#337553;
  --cofia-copper:#bf9254;
  --cofia-copper-dark:#946b36;
  --cofia-ink:#1c2d24;
  --cofia-text:#546258;
  --cofia-paper:#f6f8f4;
  --cofia-line:#dde7dd;
  --cofia-width:1180px;
  background:#fff;
}
/* Hide only the Avada header/footer around the self-contained kit page. */
body.cofia-page .fusion-header-wrapper,
body.cofia-page .fusion-secondary-header,
body.cofia-page .fusion-footer,
body.cofia-page .fusion-page-title-bar,
body.cofia-page .avada-page-titlebar-wrapper,
body.cofia-page .fusion-page-title-captions,
body.cofia-page #footer {display:none!important;}
body.cofia-page #main,body.cofia-page #wrapper #main {padding:0!important;margin:0!important;background:#fff!important;}
body.cofia-page #main > .fusion-row,
body.cofia-page #main #content,
body.cofia-page #content,
body.cofia-page .post-content {width:100%!important;max-width:none!important;float:none!important;padding:0!important;margin:0!important;}
body.cofia-page .cofia-section,body.cofia-page .cofia-section.fusion-fullwidth {position:relative;width:100%!important;max-width:none!important;padding:0!important;margin:0!important;overflow:visible;border:0!important;}
body.cofia-page .cofia-section > .fusion-builder-row,
body.cofia-page .cofia-section > .fusion-row {width:100%!important;max-width:none!important;padding:0!important;margin:0!important;display:block!important;}
body.cofia-page .cofia-section .fusion-layout-column,
body.cofia-page .cofia-section .fusion_builder_column,
body.cofia-page .cofia-section .fusion-column-wrapper {box-sizing:border-box;width:100%!important;max-width:none!important;min-width:0!important;float:none!important;padding:0!important;margin:0!important;border:0!important;background:transparent!important;display:block;}
body.cofia-page .cofia-section .fusion-text {margin:0!important;padding:0!important;min-width:0!important;}
body.cofia-page .cofia-section .fusion-text > p:empty {display:none!important;}
body.cofia-page .cofia-section,body.cofia-page .cofia-section * {box-sizing:border-box;}
body.cofia-page .cofia-section {color:var(--cofia-ink);font:15px/1.6 Arial,Helvetica,sans-serif;-webkit-font-smoothing:antialiased;}
body.cofia-page .cofia-section h1,body.cofia-page .cofia-section h2,body.cofia-page .cofia-section h3 {color:var(--cofia-ink)!important;font-family:Arial,Helvetica,sans-serif!important;font-weight:800!important;letter-spacing:-.034em!important;line-height:1.13!important;margin:0!important;}
body.cofia-page .cofia-section p {font-size:15px;color:var(--cofia-text);line-height:1.72;margin:0;}
body.cofia-page .cofia-section a {text-decoration:none!important;transition:color .16s ease,background-color .16s ease,transform .16s ease;}
body.cofia-page .cofia-section img {max-width:100%;height:auto;}
body.cofia-page .cofia-section a:focus-visible,body.cofia-page .cofia-section summary:focus-visible {outline:3px solid #d7a15b;outline-offset:4px;}
body.cofia-page .cofia-eyebrow {display:block;font-size:11px;font-weight:900;letter-spacing:.16em;text-transform:uppercase;line-height:1.5;color:var(--cofia-copper-dark);}
body.cofia-page .cofia-center {max-width:790px;width:calc(100% - 56px);margin:auto;text-align:center;}
body.cofia-page .cofia-center h2 {font-size:clamp(29px,3.1vw,43px)!important;margin:10px 0 13px!important;}
body.cofia-page .cofia-center p {max-width:740px;margin:auto;font-size:15px;}
body.cofia-page .cofia-btn {display:inline-flex;justify-content:center;align-items:center;gap:12px;padding:13px 21px;min-height:46px;border:1px solid transparent;border-radius:3px;font-weight:800;font-size:12px;line-height:1.35;text-align:center;}
body.cofia-page .cofia-btn-gold {background:var(--cofia-copper);color:#fff!important;border-color:var(--cofia-copper);}
body.cofia-page .cofia-btn-gold:hover {background:#a77b41;color:#fff!important;transform:translateY(-1px);}
body.cofia-page .cofia-btn-outline {color:#fff!important;background:rgba(0,0,0,.18);border-color:rgba(255,255,255,.9);}
body.cofia-page .cofia-btn-outline:hover {color:#fff!important;background:rgba(255,255,255,.15);}
body.cofia-page .cofia-actions {display:flex;flex-wrap:wrap;gap:12px;align-items:center;}
/* Branded nav */
body.cofia-page .cofia-header {background:#fff;position:relative;z-index:9;box-shadow:0 2px 14px rgba(10,39,23,.08);}
body.cofia-page .cofia-header-inner {width:calc(100% - 56px);max-width:var(--cofia-width);min-height:83px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:20px;}
body.cofia-page .cofia-brand {display:flex;align-items:center;gap:12px;flex:none;min-width:214px;}
body.cofia-page .cofia-brand img {width:56px!important;height:56px!important;object-fit:contain;mix-blend-mode:multiply;flex:none;}
body.cofia-page .cofia-brand-name {display:flex;flex-direction:column;gap:4px;}
body.cofia-page .cofia-brand-name strong {color:var(--cofia-deep);font-size:23px;letter-spacing:.15em;line-height:1;font-weight:900;}
body.cofia-page .cofia-brand-name small {color:#657068;font-size:8px;letter-spacing:.07em;line-height:1.25;font-weight:800;}
body.cofia-page .cofia-nav {display:flex;align-items:center;justify-content:center;gap:clamp(10px,1.25vw,23px);flex:1;}
body.cofia-page .cofia-nav a {display:inline-flex;align-items:center;min-height:80px;color:#293b30!important;font-size:11.5px;white-space:nowrap;font-weight:800;border-bottom:2px solid transparent;}
body.cofia-page .cofia-nav a:hover {color:var(--cofia-copper-dark)!important;border-color:var(--cofia-copper);}
body.cofia-page .cofia-header-btn {font-size:11px;min-height:40px;flex:none;padding:10px 15px;}
/* Image hero */
body.cofia-page .cofia-hero {background-color:#1c3a2b;background-position:center center;background-repeat:no-repeat;background-size:cover;isolation:isolate;}
body.cofia-page .cofia-hero:before {content:"";position:absolute;inset:0;pointer-events:none;z-index:0;background:linear-gradient(90deg,rgba(13,36,25,.94) 0%,rgba(13,36,25,.86) 36%,rgba(10,34,20,.44) 69%,rgba(8,28,17,.06) 100%);}
body.cofia-page .cofia-hero > .fusion-builder-row,body.cofia-page .cofia-hero > .fusion-row {position:relative;z-index:1;}
body.cofia-page .cofia-hero-inner {display:flex;align-items:flex-start;justify-content:center;flex-direction:column;max-width:var(--cofia-width);width:calc(100% - 56px);margin:0 auto;min-height:490px;padding:78px 0;}
body.cofia-page .cofia-hero .cofia-eyebrow {color:#e5b778;margin-bottom:19px;}
body.cofia-page .cofia-hero h1 {max-width:830px;color:#fff!important;font-size:clamp(43px,5.4vw,68px)!important;line-height:1.055!important;margin-bottom:21px!important;}
body.cofia-page .cofia-hero p {max-width:620px;font-size:17.5px;line-height:1.58;color:#fff;}
body.cofia-page .cofia-hero .cofia-actions {margin:28px 0 18px;}
body.cofia-page .cofia-hero-sub {font-size:11px;font-weight:700;letter-spacing:.06em;color:#e2ede3;}
/* Important-notice banner */
body.cofia-page .cofia-alert-strip {background:#f2efe7;border-bottom:1px solid #e6dfd0!important;padding:24px 0!important;}
body.cofia-page .cofia-alert {max-width:var(--cofia-width);width:calc(100% - 56px);margin:auto;display:flex;align-items:center;gap:18px;}
body.cofia-page .cofia-alert-symbol {display:grid;place-items:center;flex:0 0 42px;height:42px;border-radius:50%;background:#e7d8bb;color:#7c5328;font-size:24px;font-weight:900;}
body.cofia-page .cofia-alert > div:nth-child(2) {flex:1;}
body.cofia-page .cofia-alert strong {display:block;color:#332f24;font-size:14px;}
body.cofia-page .cofia-alert p {font-size:12.5px;color:#665f53;line-height:1.58;margin-top:3px;}
body.cofia-page .cofia-alert-link {flex:none;color:#73522a!important;font-weight:900;font-size:12px;}
/* Intro editorial section */
body.cofia-page .cofia-intro {padding:79px 0!important;background:#fff;}
body.cofia-page .cofia-intro .fusion-column-wrapper {display:grid!important;grid-template-columns:.94fr 1.06fr;gap:78px;align-items:center;max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;}
body.cofia-page .cofia-intro h2 {font-size:clamp(33px,3.7vw,48px)!important;margin:13px 0 24px!important;}
body.cofia-page .cofia-rule {width:77px;height:3px;background:var(--cofia-copper);display:block;}
body.cofia-page .cofia-intro-copy p {font-size:15px;}
body.cofia-page .cofia-intro-copy p+p {margin-top:14px;}
body.cofia-page .cofia-tags {display:flex;flex-wrap:wrap;gap:9px;margin-top:21px;}
body.cofia-page .cofia-tags span {padding:7px 13px;background:#edf3eb;color:#386a46;border-radius:999px;font-size:11px;font-weight:900;}
/* Who we help: 3-up */
body.cofia-page .cofia-situation-heading {background:var(--cofia-paper);padding:68px 0 20px!important;}
body.cofia-page .cofia-situation-grid {background:var(--cofia-paper);padding:13px 0 78px!important;}
body.cofia-page .cofia-situation-grid .fusion-column-wrapper {display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;}
body.cofia-page .cofia-situation-card {height:100%;min-height:300px;padding:31px 27px;display:flex;flex-direction:column;align-items:flex-start;background:#fff;border:1px solid var(--cofia-line);}
body.cofia-page .cofia-card-index {font-size:10px;color:var(--cofia-copper-dark);font-weight:900;letter-spacing:.1em;}
body.cofia-page .cofia-icon {display:block;width:44px!important;height:44px!important;object-fit:contain;margin:24px 0 15px;}
body.cofia-page .cofia-situation-card h3 {font-size:20px!important;margin:0 0 12px!important;}
body.cofia-page .cofia-situation-card p {font-size:13px;line-height:1.65;}
body.cofia-page .cofia-situation-card a {font-size:12px;font-weight:900;color:var(--cofia-green)!important;margin-top:auto;padding-top:22px;}
/* Zone map: drawing + description */
body.cofia-page .cofia-assessment-head {padding:72px 0 23px!important;background:#fff;}
body.cofia-page .cofia-map-section {padding:18px 0 80px!important;background:#fff;}
body.cofia-page .cofia-map-section .fusion-column-wrapper {display:grid!important;grid-template-columns:1.13fr .87fr;gap:54px;align-items:center;max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;}
body.cofia-page .cofia-map-figure {margin:0;background:#f3f7f1;padding:12px;border:1px solid var(--cofia-line);}
body.cofia-page .cofia-map-figure img {width:100%!important;height:auto!important;display:block;}
body.cofia-page .cofia-map-figure figcaption {font-size:11px;line-height:1.5;color:#6b7a6f;margin-top:11px;}
body.cofia-page .cofia-map-copy h2 {font-size:clamp(30px,2.9vw,40px)!important;margin:13px 0 15px!important;}
body.cofia-page .cofia-map-copy>p {font-size:14px;}
body.cofia-page .cofia-zone-line {display:flex;align-items:center;gap:17px;border-bottom:1px solid var(--cofia-line);padding:17px 0;}
body.cofia-page .cofia-zone-line b {min-width:98px;color:#2d6143;font-size:15px;font-weight:900;}
body.cofia-page .cofia-zone-line strong {display:block;color:var(--cofia-ink);font-size:13px;}
body.cofia-page .cofia-zone-line span {display:block;color:#6a7a6e;font-size:12px;line-height:1.53;margin-top:4px;}
body.cofia-page .cofia-map-copy .cofia-small-note {margin-top:18px;font-size:11.5px;background:#f5f6f1;border-left:3px solid var(--cofia-copper);padding:12px 14px;}
/* Assessment factors */
body.cofia-page .cofia-factors-head {background:var(--cofia-paper);padding:67px 0 17px!important;}
body.cofia-page .cofia-factors-grid {background:var(--cofia-paper);padding:17px 0 77px!important;}
body.cofia-page .cofia-factors-grid .fusion-column-wrapper {display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px;max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;}
body.cofia-page .cofia-factor-card {height:100%;min-height:211px;padding:25px 25px 28px;background:#fff;border:1px solid var(--cofia-line);}
body.cofia-page .cofia-factor-card .cofia-icon {width:40px!important;height:40px!important;margin:0 0 17px;}
body.cofia-page .cofia-factor-card h3 {font-size:18px!important;margin-bottom:10px!important;}
body.cofia-page .cofia-factor-card p {font-size:13px;line-height:1.6;}
/* Deliverables / sample report */
body.cofia-page .cofia-deliver-head {background:#fff;padding:70px 0 16px!important;}
body.cofia-page .cofia-deliver-body {background:#fff;padding:22px 0 83px!important;}
body.cofia-page .cofia-deliver-body .fusion-column-wrapper {display:grid!important;grid-template-columns:.94fr 1.06fr;gap:77px;max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;align-items:center;}
body.cofia-page .cofia-report-sample {max-width:520px;margin:0 auto;border:1px solid #dfe5df;box-shadow:0 15px 60px rgba(21,51,31,.12);background:#fff;padding-bottom:14px;}
body.cofia-page .cofia-report-bar {background:var(--cofia-deep);display:flex;justify-content:space-between;gap:10px;padding:14px 18px;color:#e9dfc6;font-size:10px;font-weight:900;letter-spacing:.09em;}
body.cofia-page .cofia-report-heading {padding:26px 25px 19px;}
body.cofia-page .cofia-report-heading span {color:var(--cofia-copper-dark);font-size:10px;letter-spacing:.1em;font-weight:900;}
body.cofia-page .cofia-report-heading h3 {font-size:27px!important;margin:9px 0 7px!important;}
body.cofia-page .cofia-report-heading p {font-size:11px;}
body.cofia-page .cofia-report-photo {padding:0 25px;}
body.cofia-page .cofia-report-photo img {height:170px!important;object-fit:cover;width:100%!important;display:block;}
body.cofia-page .cofia-report-metrics {display:flex;gap:8px;justify-content:space-between;padding:22px 25px;}
body.cofia-page .cofia-report-metrics span {flex:1;color:#53645a;border-right:1px solid #e8ebe6;font-size:10px;}
body.cofia-page .cofia-report-metrics span:last-child {border:none;}
body.cofia-page .cofia-report-metrics b {color:var(--cofia-green);display:block;font-size:19px;}
body.cofia-page .cofia-report-sample>small {display:block;font-size:10px;line-height:1.4;color:#7a867e;padding:0 25px;}
body.cofia-page .cofia-deliver-list h2 {font-size:clamp(31px,3vw,43px)!important;margin:12px 0 18px!important;}
body.cofia-page .cofia-deliver-point {display:flex;gap:14px;padding:15px 0;border-bottom:1px solid var(--cofia-line);}
body.cofia-page .cofia-deliver-point .cofia-check {display:grid;place-items:center;flex:0 0 25px;height:25px;border-radius:50%;background:#e5f0e6;color:#2e7247;font-weight:900;font-size:14px;}
body.cofia-page .cofia-deliver-point strong {font-size:13.5px;color:var(--cofia-ink);}
body.cofia-page .cofia-deliver-point p {font-size:12.5px;line-height:1.6;}
body.cofia-page .cofia-qualification {background:#f7f7f2;border-left:3px solid #bd9254;padding:13px 16px;margin-top:17px!important;font-size:11.5px!important;}
/* Four-step process */
body.cofia-page .cofia-process-head {background:var(--cofia-paper);padding:72px 0 19px!important;}
body.cofia-page .cofia-process-grid {background:var(--cofia-paper);padding:17px 0 80px!important;}
body.cofia-page .cofia-process-grid .fusion-column-wrapper {display:grid!important;grid-template-columns:repeat(4,minmax(0,1fr));gap:17px;max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;}
body.cofia-page .cofia-process-step {height:100%;padding:27px 22px;border:1px solid var(--cofia-line);background:#fff;min-height:187px;}
body.cofia-page .cofia-step {display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#3c7957;color:white;font-size:17px;font-weight:900;margin-bottom:18px;}
body.cofia-page .cofia-process-step h3 {font-size:18px!important;margin-bottom:8px!important;}
body.cofia-page .cofia-process-step p {font-size:12.5px;line-height:1.6;}
/* LiDAR add-on differentiator with image and contrast */
body.cofia-page .cofia-documentation {isolation:isolate;background-color:#183629;background-size:cover;background-repeat:no-repeat;background-position:center center;}
body.cofia-page .cofia-documentation:before {content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,rgba(14,37,23,.96),rgba(18,44,28,.86)),rgba(15,37,23,.1);pointer-events:none;}
body.cofia-page .cofia-documentation > .fusion-builder-row,body.cofia-page .cofia-documentation > .fusion-row {position:relative;z-index:1;}
body.cofia-page .cofia-documentation .fusion-column-wrapper {max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;display:grid!important;grid-template-columns:1.13fr .87fr;gap:56px;align-items:center;min-height:360px;padding:72px 0!important;}
body.cofia-page .cofia-documentation .cofia-eyebrow {color:#dfb57b;}
body.cofia-page .cofia-doc-copy h2 {font-size:clamp(34px,3.55vw,49px)!important;margin:15px 0 17px!important;color:#fff!important;}
body.cofia-page .cofia-doc-copy h2 em {color:#e8bd81;font-style:normal;}
body.cofia-page .cofia-doc-copy p {color:#e8f0e8;font-size:14px;max-width:620px;}
body.cofia-page .cofia-doc-copy p+p {margin-top:13px;}
body.cofia-page .cofia-doc-copy .cofia-btn {margin-top:25px;}
body.cofia-page .cofia-doc-visual {display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:12px;}
body.cofia-page .cofia-doc-visual>div {min-width:0;border:1px solid rgba(255,255,255,.27);background:rgba(255,255,255,.1);border-radius:3px;padding:19px 17px;min-height:126px;display:flex;flex-direction:column;gap:7px;}
body.cofia-page .cofia-doc-visual div span {color:#e5bc81;letter-spacing:.12em;font-size:10px;font-weight:900;}
body.cofia-page .cofia-doc-visual strong {color:#fff;font-size:16px;line-height:1.25;}
body.cofia-page .cofia-doc-visual small {color:#d4e5d8;font-size:11px;}
body.cofia-page .cofia-doc-arrow {color:#e7c597;font-size:29px;font-weight:700;}
/* Law and insurer limitation banner */
body.cofia-page .cofia-law {background:#e6eee6;padding:39px 0!important;border-bottom:1px solid #d1dfd2!important;}
body.cofia-page .cofia-law-inner {width:calc(100% - 56px);max-width:var(--cofia-width);margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:33px;}
body.cofia-page .cofia-law-inner h2 {font-size:clamp(23px,2.25vw,33px)!important;margin:9px 0 9px!important;max-width:720px;}
body.cofia-page .cofia-law-inner p {font-size:12.5px;max-width:850px;}
body.cofia-page .cofia-textlink {white-space:nowrap;font-size:12px;font-weight:900;color:#286344!important;}
/* FAQs */
body.cofia-page .cofia-faq-head {background:var(--cofia-paper);padding:70px 0 17px!important;}
body.cofia-page .cofia-faq-grid {background:var(--cofia-paper);padding:16px 0 76px!important;}
body.cofia-page .cofia-faq-grid .fusion-column-wrapper {max-width:900px!important;width:calc(100% - 56px)!important;margin:0 auto!important;}
body.cofia-page .cofia-faq-grid .fusion-text+.fusion-text {margin-top:10px!important;}
body.cofia-page .cofia-faq {border:1px solid var(--cofia-line);background:white;}
body.cofia-page .cofia-faq summary {position:relative;display:block;padding:21px 55px 21px 24px;cursor:pointer;list-style:none;color:var(--cofia-deep);font-size:14.5px;font-weight:800;}
body.cofia-page .cofia-faq summary::-webkit-details-marker {display:none;}
body.cofia-page .cofia-faq summary:after {content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:25px;font-weight:400;color:var(--cofia-copper-dark);}
body.cofia-page .cofia-faq[open] summary:after {content:"-";}
body.cofia-page .cofia-faq p {border-top:1px solid #eef0eb;padding:16px 24px 19px;font-size:13px;line-height:1.66;}
/* Area + conversion contact */
body.cofia-page .cofia-areas {background:#fff;padding:60px 0!important;}
body.cofia-page .cofia-areas-inner {max-width:var(--cofia-width);width:calc(100% - 56px);margin:auto;}
body.cofia-page .cofia-areas-inner h2 {font-size:clamp(30px,3vw,42px)!important;margin:12px 0!important;}
body.cofia-page .cofia-areas-inner p {max-width:760px;font-size:14px;}
body.cofia-page .cofia-contact {background:#e7efe6;padding:66px 0!important;}
body.cofia-page .cofia-contact-inner {max-width:var(--cofia-width);width:calc(100% - 56px);margin:auto;display:flex;justify-content:space-between;align-items:center;gap:35px;}
body.cofia-page .cofia-contact-inner h2 {font-size:clamp(31px,3.3vw,46px)!important;margin:11px 0 13px!important;}
body.cofia-page .cofia-contact-inner p {max-width:710px;font-size:14px;}
body.cofia-page .cofia-contact-inner .cofia-btn {flex:none;max-width:315px;}
body.cofia-page .cofia-contact-methods {display:flex;flex-wrap:wrap;gap:15px;margin-top:20px;}
body.cofia-page .cofia-contact-methods a {color:#2d6648!important;font-size:14px;font-weight:800;}
/* Footer */
body.cofia-page .cofia-sources {background:#f6f7f3;padding:23px 0!important;border-top:1px solid #e3e7e0!important;}
body.cofia-page .cofia-sources-inner {max-width:var(--cofia-width);width:calc(100% - 56px);margin:auto;display:flex;justify-content:space-between;align-items:center;gap:30px;font-size:11px;color:#69776a;}
body.cofia-page .cofia-sources-inner span {max-width:520px;}
body.cofia-page .cofia-sources-inner a {color:#36764d!important;font-weight:800;}
body.cofia-page .cofia-footer {background:var(--cofia-deep);padding:32px 0!important;}
body.cofia-page .cofia-footer-inner {max-width:var(--cofia-width);width:calc(100% - 56px);margin:auto;display:flex;justify-content:space-between;align-items:flex-start;gap:25px;}
body.cofia-page .cofia-footer-inner strong {display:block;font-size:11px;letter-spacing:.04em;color:#fff;}
body.cofia-page .cofia-footer-inner small {display:block;margin-top:7px;color:#bdd5c3;font-size:11px;}
body.cofia-page .cofia-footer-inner nav {display:flex;gap:13px;flex-wrap:wrap;}
body.cofia-page .cofia-footer-inner a {font-size:11px;color:#e7efe7!important;}
body.cofia-page .cofia-footer-inner a:hover {color:#e6b97a!important;}
body.cofia-page .cofia-footer-inner>div:last-child {display:flex;flex-direction:column;gap:8px;}
/* Mobile/tablet: responsive columns, typography and menu. */
@media(max-width:1090px) {
  body.cofia-page .cofia-header-inner {gap:12px;}
  body.cofia-page .cofia-nav {gap:11px;}
  body.cofia-page .cofia-nav a {font-size:10.5px;}
  body.cofia-page .cofia-header-btn {padding:10px;font-size:10px;}
  body.cofia-page .cofia-intro .fusion-column-wrapper,body.cofia-page .cofia-deliver-body .fusion-column-wrapper {gap:42px;}
}
@media(max-width:960px) {
  body.cofia-page .cofia-header-inner {flex-wrap:wrap;gap:7px 17px;padding:11px 0;}
  body.cofia-page .cofia-brand {flex:1;}
  body.cofia-page .cofia-nav {flex:1 0 100%;order:3;justify-content:flex-start;gap:4px 22px;flex-wrap:wrap;}
  body.cofia-page .cofia-nav a {min-height:32px;}
  body.cofia-page .cofia-situation-grid .fusion-column-wrapper,body.cofia-page .cofia-factors-grid .fusion-column-wrapper {grid-template-columns:repeat(2,minmax(0,1fr));}
  body.cofia-page .cofia-process-grid .fusion-column-wrapper {grid-template-columns:repeat(2,minmax(0,1fr));}
  body.cofia-page .cofia-map-section .fusion-column-wrapper {grid-template-columns:1fr;gap:30px;}
  body.cofia-page .cofia-documentation .fusion-column-wrapper {grid-template-columns:1fr;gap:30px;}
}
@media(max-width:700px) {
  body.cofia-page .cofia-header-inner,body.cofia-page .cofia-center,body.cofia-page .cofia-alert,body.cofia-page .cofia-intro .fusion-column-wrapper,body.cofia-page .cofia-map-section .fusion-column-wrapper,body.cofia-page .cofia-situation-grid .fusion-column-wrapper,body.cofia-page .cofia-factors-grid .fusion-column-wrapper,body.cofia-page .cofia-deliver-body .fusion-column-wrapper,body.cofia-page .cofia-process-grid .fusion-column-wrapper,body.cofia-page .cofia-documentation .fusion-column-wrapper,body.cofia-page .cofia-law-inner,body.cofia-page .cofia-faq-grid .fusion-column-wrapper,body.cofia-page .cofia-areas-inner,body.cofia-page .cofia-contact-inner,body.cofia-page .cofia-sources-inner,body.cofia-page .cofia-footer-inner,body.cofia-page .cofia-hero-inner {width:calc(100% - 36px)!important;}
  body.cofia-page .cofia-nav {gap:2px 14px;}
  body.cofia-page .cofia-nav a {font-size:10px;}
  body.cofia-page .cofia-header-btn {max-width:130px;}
  body.cofia-page .cofia-hero-inner {min-height:520px;padding:73px 0;}
  body.cofia-page .cofia-hero h1 {font-size:clamp(37px,8vw,55px)!important;}
  body.cofia-page .cofia-hero p {font-size:15px;}
  body.cofia-page .cofia-alert {align-items:flex-start;flex-wrap:wrap;}
  body.cofia-page .cofia-alert-link {padding-left:60px;}
  body.cofia-page .cofia-intro .fusion-column-wrapper,body.cofia-page .cofia-deliver-body .fusion-column-wrapper {grid-template-columns:1fr;gap:31px;}
  body.cofia-page .cofia-situation-grid .fusion-column-wrapper,body.cofia-page .cofia-factors-grid .fusion-column-wrapper,body.cofia-page .cofia-process-grid .fusion-column-wrapper {grid-template-columns:1fr;}
  body.cofia-page .cofia-situation-card {min-height:245px;}
  body.cofia-page .cofia-factor-card {min-height:180px;}
  body.cofia-page .cofia-law-inner,body.cofia-page .cofia-contact-inner,body.cofia-page .cofia-sources-inner,body.cofia-page .cofia-footer-inner {flex-direction:column;align-items:flex-start;}
  body.cofia-page .cofia-footer-inner {gap:22px;}
  body.cofia-page .cofia-contact-inner .cofia-btn {max-width:none;}
  body.cofia-page .cofia-report-sample {max-width:100%;}
  body.cofia-page .cofia-doc-visual {grid-template-columns:1fr;}
  body.cofia-page .cofia-doc-arrow {text-align:center;transform:rotate(90deg);line-height:1;}
  body.cofia-page .cofia-hero:before {background:linear-gradient(90deg,rgba(10,31,20,.92),rgba(10,31,20,.63));}
}
@media(max-width:430px) {
  body.cofia-page .cofia-brand {min-width:0;}
  body.cofia-page .cofia-brand img {width:43px!important;height:43px!important;}
  body.cofia-page .cofia-brand-name strong {font-size:18px;}
  body.cofia-page .cofia-brand-name small {font-size:7px;}
  body.cofia-page .cofia-header-btn {font-size:9px;padding:8px;}
  body.cofia-page .cofia-actions .cofia-btn {width:100%;}
  body.cofia-page .cofia-contact-methods {flex-direction:column;gap:8px;}
  body.cofia-page .cofia-zone-line {gap:10px;}
  body.cofia-page .cofia-zone-line b {min-width:83px;font-size:13px;}
}
@media(prefers-reduced-motion:reduce) {
  body.cofia-page .cofia-section a {transition:none;}
}


/* V2 combined homeowner insurance guide — scoped to this page */
body.cofia-page .cofia-insurance-snapshot {background:#f3f4ec;padding:56px 0 45px!important;border-bottom:1px solid #dce6d8!important;}
body.cofia-page .cofia-insurance-snapshot .fusion-column-wrapper {width:calc(100% - 56px)!important;max-width:var(--cofia-width)!important;margin:0 auto!important;}
body.cofia-page .cofia-guide-intro {display:flex;gap:44px;align-items:center;justify-content:space-between;}
body.cofia-page .cofia-guide-intro>div {max-width:810px;}
body.cofia-page .cofia-guide-intro h2 {font-size:clamp(29px,3.05vw,42px)!important;max-width:860px;margin:10px 0 16px!important;}
body.cofia-page .cofia-guide-intro p {font-size:14px;line-height:1.68;max-width:750px;}
body.cofia-page .cofia-guide-intro p+p {margin-top:12px;}
body.cofia-page .cofia-guide-intro>.cofia-btn {flex:none;max-width:205px;}
body.cofia-page .cofia-btn-dark {background:var(--cofia-deep);color:#fff!important;}
body.cofia-page .cofia-btn-dark:hover {background:#2c6748;color:#fff!important;}
body.cofia-page .cofia-guide-steps {margin:28px 0 18px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;}
body.cofia-page .cofia-guide-steps>div {display:flex;align-items:center;gap:12px;padding:17px 22px;border:1px solid #dbe5d8;background:#fff;}
body.cofia-page .cofia-guide-steps b {color:#9d773c;font-size:23px;}
body.cofia-page .cofia-guide-steps span {font-weight:800;color:#243b2c;font-size:13px;}
body.cofia-page .cofia-guide-metrics {display:grid;grid-template-columns:repeat(3,1fr);gap:20px;align-items:start;margin:23px 0 13px;}
body.cofia-page .cofia-guide-metrics>div {display:flex;flex-direction:column;gap:4px;border-left:3px solid #b88d55;padding-left:16px;}
body.cofia-page .cofia-guide-metrics strong {font-size:17px;color:#294b36;}
body.cofia-page .cofia-guide-metrics span {font-size:12px;color:#617065;}
body.cofia-page .cofia-guide-scope {font-size:11.8px!important;line-height:1.6;border-top:1px solid #dfe6da;padding-top:13px;}
/* Proposed report */
body.cofia-page .cofia-evidence-heading {background:#fff;padding:64px 0 16px!important;}
body.cofia-page .cofia-evidence-grid {background:#fff;padding:14px 0 22px!important;}
body.cofia-page .cofia-evidence-grid .fusion-column-wrapper {display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;}
body.cofia-page .cofia-evidence-card {min-height:194px;height:100%;padding:24px 24px 28px;border:1px solid var(--cofia-line);background:#f7f9f5;}
body.cofia-page .cofia-evidence-card>span {font-size:10px;font-weight:900;letter-spacing:.13em;color:#947242;}
body.cofia-page .cofia-evidence-card h3 {font-size:18px!important;margin:12px 0 9px!important;}
body.cofia-page .cofia-evidence-card p {font-size:12.5px;line-height:1.65;}
body.cofia-page .cofia-evidence-disclaimer {background:#fff;padding:8px 0 67px!important;}
body.cofia-page .cofia-evidence-note {margin:auto;max-width:var(--cofia-width);width:calc(100% - 56px);padding:23px 26px;border-left:4px solid #bb8c50;background:#f2f4ed;}
body.cofia-page .cofia-evidence-note strong {display:block;font-size:16px;color:#2b4a36;}
body.cofia-page .cofia-evidence-note p {margin:8px 0!important;font-size:12.8px;}
body.cofia-page .cofia-evidence-note a {font-size:12px;color:#276844!important;font-weight:900;}
/* Legislation timeline */
body.cofia-page .cofia-legislation-intro {padding:78px 0 19px!important;background:#fff;}
body.cofia-page .cofia-timeline {padding:16px 0 67px!important;background:#fff;}
body.cofia-page .cofia-timeline .fusion-column-wrapper {display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr));max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;gap:16px;}
body.cofia-page .cofia-timeline-card {min-height:198px;height:100%;border:1px solid #dde5db;border-top:4px solid #b48b51;background:#f8faf7;padding:24px 23px;}
body.cofia-page .cofia-timeline-card>span {font-weight:900;color:#9b773d;letter-spacing:.07em;font-size:11px;}
body.cofia-page .cofia-timeline-card h3 {font-size:18px!important;margin:11px 0 9px!important;}
body.cofia-page .cofia-timeline-card p {font-size:12.4px;line-height:1.65;}
/* Rights */
body.cofia-page .cofia-rights-intro {padding:68px 0 18px!important;background:#f4f7f1;}
body.cofia-page .cofia-rights-grid {padding:14px 0 15px!important;background:#f4f7f1;}
body.cofia-page .cofia-rights-grid .fusion-column-wrapper {display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr));max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;gap:15px;}
body.cofia-page .cofia-right-card {height:100%;min-height:199px;background:#fff;border:1px solid #dce5da;padding:26px 29px;}
body.cofia-page .cofia-right-card>b {font-size:27px;color:#af864d;}
body.cofia-page .cofia-right-card h3 {font-size:20px!important;margin:5px 0 11px!important;}
body.cofia-page .cofia-right-card p {font-size:13px;}
body.cofia-page .cofia-rights-note {background:#f4f7f1;padding:12px 0 63px!important;}
body.cofia-page .cofia-rights-footnote {max-width:var(--cofia-width);width:calc(100% - 56px);margin:auto;background:#e3ede2;border-left:3px solid #6b9f7d;padding:18px 23px;font-size:12.5px;line-height:1.7;color:#394d3e;}
/* Premium context */
body.cofia-page .cofia-premium {background:#e9eee7;padding:52px 0!important;}
body.cofia-page .cofia-premium-inner {max-width:var(--cofia-width);width:calc(100% - 56px);margin:0 auto;display:grid;grid-template-columns:.34fr 1fr;align-items:center;gap:52px;}
body.cofia-page .cofia-premium-number {display:flex;flex-direction:column;gap:8px;border-right:1px solid #cbd9cd;padding-right:22px;}
body.cofia-page .cofia-premium-number strong {color:#234e35;line-height:1;font-size:clamp(43px,4vw,60px);letter-spacing:-.05em;white-space:nowrap;}
body.cofia-page .cofia-premium-number span {font-size:12px;font-weight:800;color:#687468;line-height:1.6;}
body.cofia-page .cofia-premium h2 {font-size:clamp(27px,3vw,39px)!important;margin:10px 0 15px!important;}
body.cofia-page .cofia-premium p {font-size:13.4px;}
body.cofia-page .cofia-premium p+p {margin-top:10px;}
body.cofia-page .cofia-premium a {font-weight:900;color:#276844!important;}
/* Appeal process */
body.cofia-page .cofia-appeal-intro {background:#fff;padding:70px 0 19px!important;}
body.cofia-page .cofia-appeal-grid {background:#fff;padding:16px 0 27px!important;}
body.cofia-page .cofia-appeal-grid .fusion-column-wrapper {display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr));max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;gap:13px;}
body.cofia-page .cofia-appeal-step {background:#f7f9f5;border:1px solid var(--cofia-line);display:flex;align-items:flex-start;gap:18px;height:100%;padding:23px 24px;}
body.cofia-page .cofia-appeal-step>span {color:#b08247;font-size:28px;line-height:1;font-weight:900;}
body.cofia-page .cofia-appeal-step h3 {font-size:18px!important;margin:0 0 9px!important;}
body.cofia-page .cofia-appeal-step p {font-size:12.6px;line-height:1.7;}
body.cofia-page .cofia-appeal-resources {background:#fff;padding:8px 0 62px!important;}
body.cofia-page .cofia-appeal-resources .fusion-column-wrapper {display:grid!important;grid-template-columns:.86fr 1.14fr;max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:0 auto!important;gap:21px;align-items:stretch;}
body.cofia-page .cofia-appeal-checklist {height:100%;background:#eff4ec;border:1px solid #dce6d8;padding:27px 27px;}
body.cofia-page .cofia-appeal-letter {height:100%;background:#213e2e;color:#fff;padding:27px 31px;}
body.cofia-page .cofia-appeal-checklist h3,body.cofia-page .cofia-appeal-letter h3 {font-size:22px!important;margin:7px 0 17px!important;}
body.cofia-page .cofia-appeal-letter h3 {color:#fff!important;}
body.cofia-page .cofia-appeal-letter .cofia-eyebrow {color:#e3bc7f;}
body.cofia-page .cofia-appeal-resources ul {list-style:disc;padding-left:23px;margin:0 0 15px;}
body.cofia-page .cofia-appeal-resources li {margin:5px 0;font-size:12.8px;line-height:1.65;}
body.cofia-page .cofia-appeal-checklist p {font-size:12.5px;}
body.cofia-page .cofia-appeal-letter blockquote {margin:0;border-left:3px solid #c49b62;padding:3px 0 3px 18px;font-style:normal;color:#fff;font-size:14px;line-height:1.75;}
body.cofia-page .cofia-appeal-letter p {font-size:12px;color:#dae9dc;margin-top:16px;}
body.cofia-page .cofia-imagery-advice {background:#fff;padding:0 0 75px!important;}
body.cofia-page .cofia-image-evidence {max-width:var(--cofia-width);width:calc(100% - 56px);margin:auto;border-left:4px solid #b88b50;background:#f4f4ee;padding:20px 26px;}
body.cofia-page .cofia-image-evidence strong {display:block;font-size:16px;color:#2f5239;margin-bottom:6px;}
body.cofia-page .cofia-image-evidence p {font-size:12.7px;}
/* Outcomes */
body.cofia-page .cofia-expect-head {padding:66px 0 18px!important;background:#f4f7f1;}
body.cofia-page .cofia-expect-grid {padding:15px 0 18px!important;background:#f4f7f1;}
body.cofia-page .cofia-expect-grid .fusion-column-wrapper {display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr));max-width:var(--cofia-width)!important;width:calc(100% - 56px)!important;margin:auto!important;gap:17px;}
body.cofia-page .cofia-outcome-column {height:100%;padding:27px 31px;background:#fff;border:1px solid #dce6d8;}
body.cofia-page .cofia-outcome-yes {border-top:4px solid #4c8a62;}
body.cofia-page .cofia-outcome-no {border-top:4px solid #bb8850;}
body.cofia-page .cofia-outcome-column h3 {font-size:22px!important;margin:9px 0 12px!important;}
body.cofia-page .cofia-outcome-column ul {padding-left:20px;margin:0;}
body.cofia-page .cofia-outcome-column li {font-size:13px;line-height:1.7;margin:7px 0;color:#44594b;}
body.cofia-page .cofia-expect-note {padding:7px 0 66px!important;background:#f4f7f1;}
body.cofia-page .cofia-outcome-note {max-width:var(--cofia-width);width:calc(100% - 56px);margin:auto;background:#e7eee3;border-left:3px solid #8da57c;padding:19px 23px;color:#4e6052;font-size:12.6px;line-height:1.65;}
/* Bibliography */
body.cofia-page .cofia-sources {padding:48px 0 42px!important;}
body.cofia-page .cofia-source-library {max-width:var(--cofia-width);width:calc(100% - 56px);margin:0 auto;}
body.cofia-page .cofia-source-library h2 {font-size:clamp(25px,2.75vw,34px)!important;margin:9px 0 12px!important;max-width:900px;}
body.cofia-page .cofia-source-library p {font-size:12.7px;}
body.cofia-page .cofia-source-library ul {display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:34px;row-gap:12px;padding:0;margin:25px 0;list-style:none;}
body.cofia-page .cofia-source-library li {padding:0 0 10px;border-bottom:1px solid #dfe8dd;font-size:12.5px;line-height:1.55;}
body.cofia-page .cofia-source-library a {font-weight:900;color:#2a6a46!important;}
body.cofia-page .cofia-source-library li span {color:#69796d;font-size:11.5px;}
body.cofia-page .cofia-source-library .cofia-source-disclaimer {max-width:none;background:#e9eee7;border-left:3px solid #c19b61;padding:19px 22px;line-height:1.65;}
@media(max-width:1000px) {
 body.cofia-page .cofia-guide-intro {flex-direction:column;align-items:flex-start;gap:22px;}
 body.cofia-page .cofia-timeline .fusion-column-wrapper,body.cofia-page .cofia-evidence-grid .fusion-column-wrapper {grid-template-columns:repeat(2,minmax(0,1fr));}
 body.cofia-page .cofia-premium-inner {gap:25px;}
}
@media(max-width:700px) {
 body.cofia-page .cofia-insurance-snapshot .fusion-column-wrapper,body.cofia-page .cofia-evidence-grid .fusion-column-wrapper,body.cofia-page .cofia-evidence-note,body.cofia-page .cofia-timeline .fusion-column-wrapper,body.cofia-page .cofia-rights-grid .fusion-column-wrapper,body.cofia-page .cofia-rights-footnote,body.cofia-page .cofia-premium-inner,body.cofia-page .cofia-appeal-grid .fusion-column-wrapper,body.cofia-page .cofia-appeal-resources .fusion-column-wrapper,body.cofia-page .cofia-image-evidence,body.cofia-page .cofia-expect-grid .fusion-column-wrapper,body.cofia-page .cofia-outcome-note,body.cofia-page .cofia-source-library {width:calc(100% - 36px)!important;}
 body.cofia-page .cofia-guide-steps,body.cofia-page .cofia-guide-metrics,body.cofia-page .cofia-rights-grid .fusion-column-wrapper,body.cofia-page .cofia-appeal-grid .fusion-column-wrapper,body.cofia-page .cofia-appeal-resources .fusion-column-wrapper,body.cofia-page .cofia-expect-grid .fusion-column-wrapper,body.cofia-page .cofia-source-library ul {grid-template-columns:1fr;}
 body.cofia-page .cofia-evidence-grid .fusion-column-wrapper,body.cofia-page .cofia-timeline .fusion-column-wrapper {grid-template-columns:1fr;}
 body.cofia-page .cofia-insurance-snapshot {padding:43px 0 34px!important;}
 body.cofia-page .cofia-premium-inner {grid-template-columns:1fr;gap:23px;}
 body.cofia-page .cofia-premium-number {border-right:0;border-bottom:1px solid #cbd9cd;padding:0 0 20px;}
 body.cofia-page .cofia-evidence-heading,body.cofia-page .cofia-legislation-intro,body.cofia-page .cofia-rights-intro,body.cofia-page .cofia-appeal-intro,body.cofia-page .cofia-expect-head {padding-top:48px!important;}
 body.cofia-page .cofia-right-card,body.cofia-page .cofia-timeline-card,body.cofia-page .cofia-evidence-card {min-height:0;}
 body.cofia-page .cofia-appeal-letter {padding:22px;}
}