/* paloaltoinsurance.vip: the Stanford Dish loop read as a two-page magazine spread.
   Warm white paper, didot-style hairline display, charcoal gravure grays, one lipstick red (the dish's feed point). */
@font-face{font-family:"Noto Serif Display";font-weight:400;font-style:normal;font-display:swap;src:url(/fonts/noto-serif-display-400.woff2) format("woff2")}
@font-face{font-family:"Noto Serif Display";font-weight:700;font-style:normal;font-display:swap;src:url(/fonts/noto-serif-display-700.woff2) format("woff2")}
@font-face{font-family:"Albert Sans";font-weight:400;font-style:normal;font-display:swap;src:url(/fonts/albert-sans-400.woff2) format("woff2")}
@font-face{font-family:"Albert Sans";font-weight:600;font-style:normal;font-display:swap;src:url(/fonts/albert-sans-600.woff2) format("woff2")}

:root{
  color-scheme:light;
  --table:#E2E3E4;
  --page:#FFFEFB;
  --plate:#E4E1DA;
  --ink:#17150F;
  --gray:#46423A;
  --gray-soft:#5C584F;
  --hair:#CFCBC1;
  --hair-ink:#77736A;
  --red:#B3122C;
  --red-deep:#8E0E22;
  --display:"Noto Serif Display","Didot","Bodoni 72","Bodoni MT",Georgia,serif;
  --body:"Albert Sans","Avenir Next","Helvetica Neue",Arial,sans-serif;
  --ease:cubic-bezier(.22,.8,.24,1);
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--table);font-family:var(--body);font-size:1.0625rem;line-height:1.6;font-weight:400;overflow-x:hidden}
::selection{background:var(--ink);color:var(--page)}
a{color:inherit;text-underline-offset:.22em;text-decoration-thickness:1px}
button,input,select,textarea{font:inherit}
:focus-visible{outline:3px solid var(--red);outline-offset:3px}
.honeypot{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---------- header: the running folio line ---------- */
.site-header{background:var(--page);border-bottom:1px solid var(--ink)}
.header-inner{max-width:1360px;margin:0 auto;padding:14px 20px;display:flex;align-items:center;justify-content:space-between;gap:10px 24px;flex-wrap:wrap}
.brand{display:inline-flex;align-items:center;gap:14px;min-height:48px;text-decoration:none;font-family:var(--display);font-size:1.3rem;line-height:1.1;letter-spacing:.01em}
.brand strong{display:block;font-family:var(--body);font-weight:600;font-size:.8rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gray);margin-top:3px}
.brand-mark{flex:none;width:46px;height:46px;display:grid;place-items:center;border:1px solid var(--ink);border-radius:50%;font-family:var(--display);font-size:1.5rem;line-height:1}
.brand:hover .brand-mark{background:var(--ink);color:var(--page)}
.header-link{position:relative;display:inline-flex;align-items:center;min-height:44px;border:0;padding:0;background:none;color:var(--ink);font-size:.82rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;text-decoration:none;cursor:pointer}
.header-link::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:var(--red);transform:scaleX(0);transform-origin:left center;transition:transform .5s var(--ease)}
.header-link:hover::after,.header-link:focus-visible::after{transform:scaleX(1)}
.header-link span{color:var(--red-deep)}
@media(min-width:900px){.header-inner{padding:16px 40px}}

/* ---------- home: the open spread ---------- */
.spread{position:relative;max-width:1360px;margin:0 auto;background:var(--page);box-shadow:0 30px 60px -40px rgba(23,21,15,.5)}
.spread>.site-header{grid-column:1/-1}
.plate{position:relative;background:var(--plate);min-height:300px;overflow:hidden;border-bottom:1px solid var(--ink)}
.plate-art{position:absolute;inset:0;display:block;width:100%;height:100%}
.minimal-shell{display:block;width:auto;min-height:0;margin:0;padding:0}
.minimal-shell h1{margin:0;padding:34px 20px 26px;font-family:var(--display);font-weight:400;font-size:clamp(2.9rem,12.5vw,4.6rem);line-height:.98;letter-spacing:-.015em;text-wrap:balance}
.choice-grid{counter-reset:slot;display:grid;grid-template-columns:1fr;gap:0;margin:0;padding:0 20px;list-style:none}
.choice-grid a{counter-increment:slot;position:relative;display:flex;align-items:center;gap:18px;min-height:76px;padding:12px 4px;border-bottom:1px solid var(--hair);color:var(--ink);text-decoration:none;font-family:var(--display);font-size:1.4rem;line-height:1.2;transition:padding .5s var(--ease),color .3s}
.choice-grid a:first-child{border-top:1px solid var(--ink)}
.choice-grid a::before{content:"0" counter(slot);flex:none;width:2.2rem;font-family:var(--body);font-size:.82rem;font-weight:600;letter-spacing:.14em;color:var(--gray-soft)}
.choice-grid a::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;background:var(--red);transform:scaleX(0);transform-origin:left;transition:transform .55s var(--ease)}
.choice-grid a:hover,.choice-grid a:focus-visible{padding-left:18px;color:var(--red-deep)}
.choice-grid a:hover::after,.choice-grid a:focus-visible::after{transform:scaleX(1)}
.choice-grid a:focus-visible{outline-offset:-3px}
.choice-grid a:nth-child(6){margin-top:0;font-family:var(--body);font-weight:600;font-size:1rem;letter-spacing:.16em;text-transform:uppercase;justify-content:flex-start!important;align-items:center!important;text-align:left!important;color:var(--red-deep)}
.choice-grid a:nth-child(6)::before{content:"\2192";font-size:1.2rem;letter-spacing:0;color:var(--red-deep)}
.agency-line{margin:0;padding:22px 20px 30px;color:var(--gray);font-size:.95rem;font-weight:600;letter-spacing:.02em}
.agency-line a{display:inline-flex;align-items:center;min-height:44px;color:var(--ink);font-weight:600}
.agency-line a:hover{color:var(--red-deep)}

@media(min-width:900px){
  .spread{display:grid;grid-template-columns:1fr 1fr;grid-template-rows:auto auto auto 1fr}
  .spread::before{content:"";position:absolute;z-index:3;top:0;bottom:0;left:50%;width:44px;margin-left:-22px;pointer-events:none;background:linear-gradient(90deg,rgba(23,21,15,0) 0,rgba(23,21,15,.10) 46%,rgba(23,21,15,.22) 50%,rgba(23,21,15,.06) 54%,rgba(23,21,15,0) 100%)}
  .minimal-shell{display:contents}
  .minimal-shell h1{grid-column:1/-1;grid-row:2;position:relative;z-index:4;padding:44px 40px 36px;font-size:clamp(4.2rem,8.6vw,8.2rem);letter-spacing:-.025em;white-space:nowrap;pointer-events:none}
  .plate{grid-column:1;grid-row:3/5;min-height:740px;border-bottom:0;border-top:1px solid var(--ink)}
  .choice-grid{grid-column:2;grid-row:3;padding:0 56px 0 64px;border-top:1px solid var(--ink)}
  .choice-grid a{min-height:104px;font-size:1.8rem}
  .choice-grid a:first-child{border-top:0}
  .agency-line{grid-column:2;grid-row:4;align-self:end;padding:26px 56px 34px 64px}
}
@media(min-width:900px) and (max-width:1100px){.minimal-shell h1{white-space:normal}}

/* ---------- local board: a run of editorial pages ---------- */
.local-board{margin-top:0;border:0;background:var(--page);color:var(--ink)}
.spread+.local-board{margin-top:48px;border-top:1px solid var(--ink)}
#city-notes{border-top:1px solid var(--ink);margin-top:0}
.local-wrap{max-width:1180px;margin:0 auto;padding:54px 20px 70px}
@media(min-width:900px){.local-wrap{padding:84px 40px 100px}}
.local-intro{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:20px 36px;padding:0 0 34px;border-bottom:1px solid var(--ink)}
.local-intro>div{display:flex;flex-direction:column;max-width:46rem}
.local-intro h2{order:-1;margin:0;font-family:var(--display);font-weight:400;font-size:clamp(2.7rem,8.4vw,5.6rem);line-height:.98;letter-spacing:-.02em;text-wrap:balance}
.local-intro p{margin:18px 0 0;color:var(--gray);font-size:1.0625rem}
.local-intro .local-kicker{margin:16px 0 0;font-size:.82rem}
.local-kicker,.local-card-kicker,.local-small-label{font-family:var(--body);font-size:.8rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gray)}
.local-section-heading>span{font-family:var(--body);font-size:.95rem;font-weight:600;letter-spacing:0;text-transform:none;color:var(--gray)}
.local-kicker span{color:var(--red-deep);padding:0 6px}
.local-generated{flex:none;margin:0;color:var(--gray);font-size:.88rem;font-weight:600}
#local-alerts:empty,#local-advisory:empty{display:none}
.local-section-heading{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 22px;margin:64px 0 18px;padding-top:14px;border-top:1px solid var(--ink)}
.local-section-heading>span{order:2;flex:0 0 auto;margin-left:auto}
.local-section-heading h3{order:1;margin:0;font-family:var(--display);font-weight:400;font-size:clamp(1.9rem,4vw,2.9rem);line-height:1.04;letter-spacing:-.012em}
.local-grid{display:grid;grid-template-columns:1fr;gap:0}
@media(min-width:900px){
  .local-grid{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:80px;background:linear-gradient(var(--hair),var(--hair)) center top/1px 100% no-repeat}
}
.local-card{min-width:0;padding:26px 0 30px;border:0;border-top:1px solid var(--hair);border-radius:0;background:var(--page);box-shadow:none;display:flex;flex-direction:column;align-items:stretch}
.local-card h4{order:-2;margin:0 0 10px;font-family:var(--display);font-weight:400;font-size:clamp(1.55rem,2.8vw,2.1rem);line-height:1.1;letter-spacing:-.008em;text-wrap:balance}
.local-card-kicker{order:-3;margin:0 0 8px}
.local-card .local-copy,.local-copy{margin:8px 0;color:var(--ink);max-width:62ch}
.local-card .local-subtle,.local-subtle{display:block;margin:6px 0 0;color:var(--gray);font-size:.95rem}
.local-source{margin:18px 0 0;padding-top:12px;border-top:1px solid var(--hair);color:var(--gray);font-size:.85rem;font-weight:400;letter-spacing:.01em}
.local-card>.local-source{margin-top:auto}
.local-link{display:inline-flex;align-items:center;align-self:flex-start;min-height:44px;margin-top:6px;color:var(--red-deep);font-size:.95rem;font-weight:600;text-underline-offset:.28em}
.local-link:hover{color:var(--ink)}
.local-wide{grid-column:1/-1}
.local-weather-lead{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:end;padding:6px 0 26px;border-bottom:1px solid var(--hair)}
.local-weather-lead>div:first-child{display:flex;align-items:baseline;flex-wrap:wrap;gap:6px 22px}
.local-big-temp{font-family:var(--display);font-weight:400;font-size:clamp(5rem,13vw,8.6rem);line-height:.85;letter-spacing:-.04em}
.local-weather-condition{max-width:14rem;color:var(--gray);font-size:1.05rem}
.local-weather-note{display:flex;flex-direction:column;gap:5px;color:var(--gray);font-size:1rem}
.local-weather-note strong{color:var(--ink);font-size:1.05rem}
.local-day-strip,.local-hour-strip{display:flex;overflow-x:auto;scrollbar-width:thin}
.local-day-strip{padding:20px 0;border-bottom:1px solid var(--hair)}
.local-day{flex:0 0 148px;padding:0 14px;border-left:1px solid var(--hair);display:flex;flex-direction:column;gap:5px;font-size:.9rem;color:var(--gray);line-height:1.35}
.local-day:first-child{padding-left:0;border-left:0}
.local-day strong{color:var(--ink);font-size:.95rem}
.local-day-temp{color:var(--red-deep);font-family:var(--display);font-size:1.5rem;font-weight:400}
.local-small-label{margin:22px 0 12px}
.local-hour-strip{gap:8px}
.local-hour{flex:0 0 92px;padding:10px;border:1px solid var(--hair);border-radius:0;background:var(--page);display:flex;flex-direction:column;gap:3px;font-size:.85rem;color:var(--gray)}
.local-hour strong{color:var(--ink);font-family:var(--display);font-weight:400;font-size:1.5rem}
.local-big-number{margin:12px 0 6px;color:var(--ink);font-family:var(--display);font-weight:400;font-size:5rem;line-height:.95;letter-spacing:-.04em}
.local-radar{margin:18px 0 0;overflow:hidden;border:1px solid var(--ink);border-radius:0;background:var(--plate);padding:8px}
.local-radar img{display:block;width:100%;height:auto}
.local-radar figcaption{padding:8px 2px 0;color:var(--gray);font-size:.85rem}
.local-alert,.local-advisory{display:flex;gap:18px;align-items:flex-start;padding:22px 24px;margin-top:22px;border:0;border-left:3px solid var(--red);border-radius:0;background:var(--plate)}
.local-alert>div,.local-advisory>div{min-width:0;flex:1;display:flex;flex-direction:column;align-items:flex-start}
.local-alert h3,.local-advisory h3{order:-2;margin:0 0 8px;font-family:var(--display);font-weight:400;font-size:1.5rem;line-height:1.2}
.local-alert .local-card-kicker,.local-advisory .local-card-kicker{order:-3;color:var(--red-deep)}
.local-alert p,.local-advisory p{margin:0}
.local-alert-icon{flex:none;width:38px;height:38px;display:grid;place-items:center;border-radius:50%;background:var(--red-deep);color:var(--page);font-family:var(--display);font-size:1.3rem;line-height:1}
.local-advisory{border-left-color:var(--ink)}
.local-advisory-alert{border-left-color:var(--red)}
.local-advisory-mark{flex:none;width:38px;text-align:center;font-size:1.9rem;line-height:1;color:var(--red-deep)}
.local-row{padding:13px 0;border-bottom:1px solid var(--hair)}
.local-row:first-of-type{padding-top:0}
.local-row:last-of-type{border-bottom:0}
.local-row-title{display:block;color:var(--ink);font-size:1.0625rem;font-weight:600;line-height:1.35;text-decoration-color:var(--hair-ink);text-underline-offset:.22em}
a.local-row-title:hover{color:var(--red-deep)}
.local-row-detail{display:block;margin-top:4px;color:var(--gray);font-size:.9rem}
.local-news-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:36px}
.local-market-name{display:block;font-size:1.0625rem}
.local-lottery{padding:12px 0;border-bottom:1px solid var(--hair);display:flex;flex-direction:column;gap:5px}
.local-lottery strong{font-family:var(--display);font-weight:400;font-size:1.5rem;letter-spacing:.04em}

.folio{background:var(--table);padding:20px 20px 0;display:flex;justify-content:center}
.folio-art{display:block;width:min(100%,1100px);height:auto}

/* ---------- inner pages: quote and question as a spread ---------- */
.page-shell{position:relative;max-width:1360px;margin:0 auto;padding:0 0 70px;background:var(--page);box-shadow:0 30px 60px -40px rgba(23,21,15,.5)}
.page-shell>*{margin-left:20px;margin-right:20px}
.intro{padding:34px 0 22px;display:flex;flex-direction:column}
.intro h1{order:1;margin:0;font-family:var(--display);font-weight:400;font-size:clamp(2.8rem,12vw,4.6rem);line-height:1;letter-spacing:-.02em;text-wrap:balance}
.eyebrow{order:2;margin:14px 0 0;padding-top:12px;border-top:1px solid var(--ink);align-self:flex-start;color:var(--gray);font-size:1rem;font-weight:600;letter-spacing:0;text-transform:none}
.intro-copy{order:3;margin:18px 0 0;color:var(--gray);font-size:1.15rem;max-width:34rem}
.options{margin-top:34px;display:grid;grid-template-columns:1fr;gap:0}
.option{min-width:0;padding:22px 0;display:flex;flex-direction:column;align-items:flex-start;border:0;border-top:1px solid var(--hair);border-radius:0;background:none}
.option-number{color:var(--gray);font-size:.8rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase}
.option h2{margin:10px 0 6px;font-family:var(--display);font-weight:400;font-size:1.8rem;line-height:1.1}
.option p{margin:0;color:var(--gray);max-width:34ch}
.option .option-action{margin-top:14px;padding:12px 18px;min-height:48px;display:inline-flex;align-items:center;justify-content:space-between;gap:14px;border:0;border-radius:0;color:var(--page);background:var(--ink);font-weight:600;text-decoration:none;cursor:pointer}
.option-action:hover{background:var(--red-deep)}
.option .option-note{margin-top:8px;font-size:.9rem;color:var(--gray)}

.product-switch{display:flex;flex-wrap:wrap;gap:0 28px;margin-top:6px;margin-bottom:6px;border-bottom:1px solid var(--hair)}
.product-switch a{position:relative;display:inline-flex;align-items:center;min-height:48px;padding:6px 0;border:0;border-radius:0;background:none;color:var(--gray);font-family:var(--display);font-size:1.4rem;text-decoration:none}
.product-switch a::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;background:var(--red);transform:scaleX(0);transform-origin:left;transition:transform .5s var(--ease)}
.product-switch a:hover{color:var(--ink)}
.product-switch a:hover::after{transform:scaleX(.5)}
.product-switch a[aria-current="page"]{color:var(--ink)}
.product-switch a[aria-current="page"]::after{transform:scaleX(1)}

.quote-form fieldset{min-width:0;margin:0;padding:30px 0 10px;border:0;border-top:1px solid var(--ink);border-radius:0;background:none}
.quote-form fieldset+fieldset{margin-top:12px}
.quote-form legend{float:left;width:100%;padding:0 0 18px;font-family:var(--display);font-weight:400;font-size:1.9rem;line-height:1.1}
.quote-form legend+*{clear:both}
.quote-form .form-grid{margin-top:4px}
.form-grid{display:grid;grid-template-columns:1fr;gap:20px}
.form-grid label{display:flex;flex-direction:column;gap:7px;font-size:.95rem;font-weight:600;color:var(--ink)}
.form-grid input,.form-grid select,.form-grid textarea{width:100%;min-width:0;border:1px solid var(--hair-ink);border-radius:0;padding:12px 14px;color:var(--ink);background:var(--page);font-weight:400;font-size:1.0625rem}
.form-grid input,.form-grid select{min-height:50px}
.form-grid textarea{min-height:150px;resize:vertical}
.form-grid input:focus,.form-grid select:focus,.form-grid textarea:focus{border-color:var(--ink);outline:3px solid var(--red);outline-offset:1px}
.form-grid .message-field{grid-column:1/-1}
.form-grid .checkbox-row,.quote-form>fieldset>.checkbox-row{display:flex;flex-direction:row;align-items:flex-start;gap:12px;min-height:44px;font-weight:400;font-size:1rem}
.form-grid .checkbox-row{grid-column:1/-1}
.form-grid .checkbox-row input,.quote-form>fieldset>.checkbox-row input{flex:none;width:22px;min-width:22px;height:22px;min-height:22px;margin:2px 0 0;padding:0;accent-color:var(--red-deep)}
.quote-form>fieldset>.checkbox-row{margin-top:22px}
.quote-submit,.form-bottom{margin-top:26px;padding-top:22px;border-top:1px solid var(--ink)}
.quote-submit{max-width:46rem}
.quote-submit button,.quote-results button,.form-bottom button{min-height:54px;display:inline-flex;align-items:center;gap:14px;border:0;border-radius:0;padding:13px 26px;color:var(--page);background:var(--ink);font-weight:600;font-size:1.05rem;letter-spacing:.04em;cursor:pointer;transition:background-color .35s var(--ease)}
.quote-submit button:hover,.quote-results button:hover,.form-bottom button:hover{background:var(--red-deep)}
.quote-submit button:disabled,.quote-results button:disabled{cursor:wait;opacity:.6}
.submit-note{max-width:62ch;margin:16px 0 0;color:var(--gray);font-size:.92rem}
.form-status,#quote-status{min-height:22px;margin:12px 0 0;color:var(--red-deep);font-weight:600}
.question-section{scroll-margin-top:24px;margin-top:6px;padding:0}
.question-heading h2{margin:0;font-family:var(--display);font-weight:400;font-size:2rem}
.question-form{margin-top:10px;padding-top:30px;border-top:1px solid var(--ink)}
.quote-results{margin-top:30px;padding:26px 0 0;border:0;border-top:1px solid var(--ink);border-radius:0;background:none}
.quote-results h2{margin:0 0 14px;font-family:var(--display);font-weight:400;font-size:2rem}
.quote-results article{border-top:1px solid var(--hair);padding:20px 0}
.quote-results article h3{margin:0 0 5px;font-family:var(--display);font-weight:400;font-size:1.5rem}
.quote-results article p{margin:4px 0 13px}

.site-footer{max-width:1360px;margin:0 auto;padding:26px 20px 38px;display:flex;align-items:baseline;flex-wrap:wrap;gap:6px 26px;color:var(--gray);font-size:.95rem}
.site-footer p{margin:0}
.site-footer>p:first-child{color:var(--ink);font-weight:600}
.site-footer a{display:inline-flex;align-items:center;min-height:44px;text-underline-offset:.25em}
.site-footer .footer-note{flex-basis:100%}

@media(min-width:900px){
  .page-shell{display:grid;grid-template-columns:5fr 7fr;column-gap:0;padding:0;align-items:start}
  .page-shell>:last-child{margin-bottom:80px}
  .page-shell>*{margin-left:0;margin-right:0}
  .page-shell::before{content:"";position:absolute;z-index:1;top:0;bottom:0;left:41.6667%;width:44px;margin-left:-22px;pointer-events:none;background:linear-gradient(90deg,rgba(23,21,15,0) 0,rgba(23,21,15,.10) 46%,rgba(23,21,15,.2) 50%,rgba(23,21,15,.06) 54%,rgba(23,21,15,0) 100%)}
  .page-shell{background:linear-gradient(90deg,var(--plate) 0,var(--plate) 41.6667%,var(--page) 41.6667%,var(--page) 100%)}
  .intro{grid-column:1;grid-row:1/span 3;position:sticky;top:0;align-self:start;padding:64px 48px 56px 40px;justify-content:flex-start}
  .intro h1{font-size:clamp(3.4rem,5.6vw,5.4rem)}
  .page-shell>:not(.intro){grid-column:2;margin-left:64px;margin-right:48px}
  .page-shell>.product-switch{margin-top:48px}
  .page-shell>.quote-form,.page-shell>.question-section,.page-shell>.options{margin-top:28px}
  .page-shell>.quote-results{margin-top:30px}
  .form-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 24px}
  .options{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:40px}
  .site-footer{padding-inline:40px}
}

@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important;animation:none!important}
}
@media(max-width:560px){
  .local-weather-lead{grid-template-columns:1fr}
  .local-news-list{grid-template-columns:1fr}
  .local-day{flex-basis:132px}
  .brand{font-size:1.15rem}
  .local-alert,.local-advisory{padding:18px 16px}
}