/* ============================================================
   Insureaze — "Modern Broker" design system
   Clean · white · spacious · one confident blue · Izzy as star
   ============================================================ */
@import url("fonts/self.css");

:root{
  /* ground + ink (cool-biased neutrals) */
  --white:#ffffff;
  --paper:#f5f7fb;         /* light section */
  --paper-2:#eef2f8;
  --ink:#111c30;           /* near-navy text */
  --ink-2:#54607a;         /* secondary */
  --ink-3:#8b95ab;         /* muted */
  --line:#e5eaf2;
  --line-2:#d9e0ec;

  /* brand blue (confident, modern) */
  --blue:#2a5bd7;
  --blue-700:#1f45ac;
  --blue-600:#2450c4;
  --navy:#0f2350;          /* deep panel navy (matches Izzy bg) */
  --navy-2:#0a1838;
  --blue-50:#eef3fe;
  --blue-100:#dbe6fd;

  /* warm accent from Izzy's vest — used sparingly */
  --orange:#f4611e;
  --orange-50:#fdeee6;

  --good:#16a06a;
  --star:#f5a623;

  --radius:18px;
  --radius-sm:12px;
  --radius-lg:26px;
  --radius-pill:999px;
  --shadow-xs:0 1px 2px rgba(17,28,48,.05);
  --shadow-sm:0 2px 8px rgba(17,28,48,.06),0 1px 2px rgba(17,28,48,.04);
  --shadow-md:0 12px 30px rgba(17,28,48,.09);
  --shadow-lg:0 30px 70px rgba(15,35,80,.18);
  --shadow-blue:0 14px 30px rgba(42,91,215,.28);
  --maxw:1180px;
  --ease:cubic-bezier(.22,.7,.3,1);
  --f:"Manrope",system-ui,-apple-system,sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--f);color:var(--ink);background:var(--white);line-height:1.6;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{margin:0;font-weight:800;line-height:1.08;letter-spacing:-.025em;color:var(--ink)}
p{margin:0}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 26px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.8rem;letter-spacing:.02em;
  color:var(--blue);background:var(--blue-50);padding:6px 13px;border-radius:var(--radius-pill)}
.eyebrow.plain{background:none;padding:0;color:var(--blue)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--f);font-weight:700;
  font-size:.98rem;padding:14px 24px;border-radius:var(--radius-sm);border:0;cursor:pointer;
  transition:transform .2s var(--ease),box-shadow .25s var(--ease),background .2s;white-space:nowrap}
.btn svg{width:17px;height:17px}
.btn:active{transform:translateY(1px)}
.btn-blue{background:var(--blue);color:#fff;box-shadow:var(--shadow-blue)}
.btn-blue:hover{background:var(--blue-700);transform:translateY(-2px);box-shadow:0 18px 38px rgba(42,91,215,.36)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.btn-line{background:#fff;color:var(--ink);border:1.5px solid var(--line-2)}
.btn-line:hover{border-color:var(--blue);color:var(--blue);transform:translateY(-2px)}
.btn-ghost-w{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.32)}
.btn-ghost-w:hover{background:rgba(255,255,255,.22)}
.btn-lg{padding:16px 30px;font-size:1.05rem}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.85);
  backdrop-filter:saturate(160%) blur(12px);border-bottom:1px solid var(--line);transition:box-shadow .3s}
.site-header.scrolled{box-shadow:0 6px 22px rgba(17,28,48,.06)}
.nav{display:flex;align-items:center;gap:36px;height:78px}
.brand{display:flex;align-items:center;margin-right:auto}
.brand img{height:60px;width:auto}
.nav-links{display:flex;gap:32px;align-items:center}
.nav-links a{font-weight:600;font-size:.97rem;color:var(--ink-2);transition:color .2s}
.nav-links a:hover,.nav-links a.active{color:var(--ink)}
.nav-right{display:flex;align-items:center;gap:20px}
.nav-login{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:.95rem;color:var(--ink);transition:color .2s}
.nav-login svg{width:17px;height:17px;color:var(--blue)}
.nav-login:hover{color:var(--blue)}
.nav-phone{font-weight:700;color:var(--ink);font-size:.97rem;display:flex;align-items:center;gap:8px}
.nav-phone svg{width:16px;height:16px;color:var(--blue)}
.mobile-only{display:none}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px;transition:.3s}

/* ---------- hero ---------- */
.hero{padding:74px 0 86px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;top:-180px;right:-160px;width:620px;height:620px;border-radius:50%;
  background:radial-gradient(circle,var(--blue-50),transparent 68%);z-index:-1}
.hero-grid{display:grid;grid-template-columns:1.06fr .94fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.6rem,5.4vw,4.05rem);letter-spacing:-.035em;text-wrap:balance}
.hero h1 .accent{color:var(--blue)}
.hero .lead{font-size:1.2rem;color:var(--ink-2);margin:22px 0 34px;max-width:40ch;line-height:1.55}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-trust{display:flex;align-items:center;gap:24px;margin-top:38px;flex-wrap:wrap}
.hero-trust .rate{display:flex;flex-direction:column;gap:3px}
a.rate:hover span{color:var(--blue)}
.hero-trust .rate span b{font-weight:800;color:var(--ink)}
.hero-trust .stars{color:var(--star);font-size:1rem;letter-spacing:1px}
.hero-trust .rate span{font-size:.83rem;color:var(--ink-2);font-weight:500}
.hero-trust .div{width:1px;height:38px;background:var(--line-2)}
.hero-trust .fact b{font-weight:800;font-size:1.05rem}
.hero-trust .fact span{font-size:.83rem;color:var(--ink-2);display:block}

/* Izzy hero panel — gradient tuned to izzy.png's own bg (#03091e corners, #12214b glow)
   + a radial mask fades the image's edges into the panel so there's no visible seam */
.hero-panel{position:relative;border-radius:var(--radius-lg);
  background:radial-gradient(130% 110% at 62% 24%,#2a55c4,#0a1530 58%,#050c22 82%);
  box-shadow:var(--shadow-lg);overflow:hidden;aspect-ratio:1/1;isolation:isolate}
.hero-panel .dots{position:absolute;inset:0;opacity:.4;z-index:2;pointer-events:none;
  background-image:radial-gradient(rgba(255,255,255,.16) 1.3px,transparent 1.3px);background-size:20px 20px;
  -webkit-mask-image:linear-gradient(120deg,#000,transparent 62%);mask-image:linear-gradient(120deg,#000,transparent 62%)}
.hero-panel .izzy{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 44%}
.izzy-blend{-webkit-mask-image:radial-gradient(125% 125% at 50% 46%,#000 52%,transparent 90%);
  mask-image:radial-gradient(125% 125% at 50% 46%,#000 52%,transparent 90%)}
.hero-panel::after{content:"";position:absolute;inset:0;box-shadow:inset 0 0 90px 20px rgba(5,12,34,.6);pointer-events:none}
/* cert chip — inside the panel so it never clips or hangs */
.cert-chip{position:absolute;left:16px;bottom:16px;z-index:3;background:#fff;border-radius:16px;
  box-shadow:var(--shadow-lg);padding:14px 18px;display:flex;align-items:center;gap:13px}
.cert-chip .ic{width:42px;height:42px;border-radius:11px;background:var(--good);color:#fff;display:grid;place-items:center}
.cert-chip .ic svg{width:22px;height:22px}
.cert-chip b{display:block;font-weight:800;font-size:.96rem;color:var(--ink)}
.cert-chip span{font-size:.8rem;color:var(--ink-2)}
.name-tag{position:absolute;right:18px;top:22px;z-index:4;background:rgba(255,255,255,.16);
  border:1px solid rgba(255,255,255,.3);backdrop-filter:blur(6px);color:#fff;border-radius:var(--radius-pill);
  padding:7px 15px;font-weight:700;font-size:.85rem;display:flex;align-items:center;gap:8px;
  font-family:var(--f);cursor:pointer;transition:background .2s,transform .2s}
.name-tag:hover{background:rgba(255,255,255,.28);transform:translateY(-1px)}
.name-tag .d{width:7px;height:7px;border-radius:50%;background:var(--orange);animation:izzy-pulse 2.2s ease-in-out infinite}
@keyframes izzy-pulse{0%,100%{box-shadow:0 0 0 0 rgba(244,97,30,.55)}55%{box-shadow:0 0 0 6px rgba(244,97,30,0)}}
/* Izzy speech bubble */
.izzy-bubble{position:absolute;right:16px;top:62px;z-index:5;width:min(76%,290px);background:#fff;
  border-radius:16px;border-top-right-radius:4px;box-shadow:var(--shadow-lg);padding:16px 18px;
  transform-origin:top right;animation:bubble-pop .28s var(--ease)}
.izzy-bubble::before{content:"";position:absolute;top:-7px;right:22px;width:14px;height:14px;background:#fff;
  transform:rotate(45deg);border-radius:2px}
.izzy-bubble p{font-size:.95rem;color:var(--ink);line-height:1.5;font-weight:600}
.izzy-bubble .ib-actions{display:flex;gap:8px;margin-top:13px}
.ib-btn{flex:1;text-align:center;font-weight:700;font-size:.82rem;padding:8px 10px;border-radius:9px;
  background:var(--blue);color:#fff;transition:background .2s}
.ib-btn:hover{background:var(--blue-700)}
.ib-btn.alt{background:var(--blue-50);color:var(--blue)}
.ib-btn.alt:hover{background:var(--blue-100)}
@keyframes bubble-pop{from{opacity:0;transform:scale(.86) translateY(-6px)}to{opacity:1;transform:scale(1) translateY(0)}}
@media(prefers-reduced-motion:reduce){.izzy-bubble{animation:none}.name-tag .d{animation:none}}

/* ---------- carrier strip ---------- */
.carriers{padding:30px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--white)}
.carriers .wrap{display:flex;align-items:center;gap:30px;flex-wrap:wrap;justify-content:center}
.carriers .lab{font-size:.8rem;font-weight:600;color:var(--ink-3);letter-spacing:.04em}
.carriers .names{display:flex;gap:30px;flex-wrap:wrap;justify-content:center}
.carriers .names span{font-weight:800;font-size:1.1rem;color:#aab4c6;letter-spacing:-.01em}

/* ---------- sections ---------- */
.section{padding:92px 0}
.section.paper{background:var(--paper)}
.sec-head{max-width:660px;margin:0 auto 56px;text-align:center}
.sec-head.left{margin-left:0;text-align:left}
.sec-head h2{font-size:clamp(2rem,3.9vw,2.85rem);margin-top:16px;text-wrap:balance}
.sec-head p{font-size:1.1rem;color:var(--ink-2);margin-top:16px;line-height:1.55}

/* coverage cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;
  transition:transform .28s var(--ease),box-shadow .28s var(--ease),border-color .28s}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:transparent}
.card .ic{width:52px;height:52px;border-radius:14px;background:var(--blue-50);color:var(--blue);
  display:grid;place-items:center;margin-bottom:20px;transition:background .28s,color .28s}
.card:hover .ic{background:var(--blue);color:#fff}
.card .ic svg{width:26px;height:26px;stroke-width:1.9}
.card h3{font-size:1.24rem;margin-bottom:9px}
.card p{color:var(--ink-2);font-size:.97rem}
.card .more{margin-top:18px;display:inline-flex;align-items:center;gap:7px;color:var(--blue);font-weight:700;font-size:.92rem}
.card .more svg{width:15px;height:15px;transition:transform .2s}
.card:hover .more svg{transform:translateX(4px)}

/* industry tiles */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:20px 14px;text-align:center;
  transition:transform .2s,border-color .2s,box-shadow .2s;cursor:pointer}
.tile:hover{transform:translateY(-4px);border-color:var(--blue-100);box-shadow:var(--shadow-sm)}
.tile .ic{color:var(--blue);margin-bottom:10px;display:flex;justify-content:center}
.tile .ic svg{width:26px;height:26px;stroke-width:1.7}
.tile span{font-weight:600;font-size:.86rem;color:var(--ink)}

/* photo band */
.band{display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center}
.band-photo{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3}
.band-photo img{width:100%;height:100%;object-fit:cover}
.band-photo .stat-float{position:absolute;left:22px;bottom:22px;background:rgba(255,255,255,.96);
  border-radius:16px;padding:14px 18px;box-shadow:var(--shadow-md);backdrop-filter:blur(4px)}
.band-photo .stat-float b{font-size:1.6rem;font-weight:800;display:block;color:var(--ink);line-height:1}
.band-photo .stat-float span{font-size:.82rem;color:var(--ink-2)}
.band-copy h2{font-size:clamp(1.9rem,3.5vw,2.6rem);text-wrap:balance}
.band-copy p{color:var(--ink-2);font-size:1.08rem;margin-top:16px;line-height:1.6}
.check-list{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:14px}
.check-list li{display:flex;gap:13px;align-items:flex-start;font-size:1rem}
.check-list .ck{flex:none;width:26px;height:26px;border-radius:50%;background:var(--blue-50);color:var(--blue);
  display:grid;place-items:center;margin-top:1px}
.check-list .ck svg{width:15px;height:15px;stroke-width:2.6}
.check-list b{font-weight:700}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.step{text-align:left}
.step .n{width:46px;height:46px;border-radius:14px;background:var(--ink);color:#fff;font-weight:800;font-size:1.15rem;
  display:grid;place-items:center;margin-bottom:18px}
.step:nth-child(3) .n{background:var(--blue)}
.step h3{font-size:1.22rem;margin-bottom:8px}
.step p{color:var(--ink-2);font-size:.98rem}

/* portal feature */
.portal{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:var(--radius-lg);overflow:hidden;
  box-shadow:var(--shadow-lg);background:#fff}
.portal-copy{padding:52px}
.portal-copy h2{font-size:clamp(1.8rem,3.2vw,2.4rem);margin:14px 0}
.portal-copy > p{color:var(--ink-2);font-size:1.05rem}
.portal-media{background:radial-gradient(130% 110% at 70% 15%,#2f63e0,var(--navy) 72%);padding:44px;position:relative;overflow:hidden}
.portal-media .dots{position:absolute;inset:0;opacity:.5;background-image:radial-gradient(rgba(255,255,255,.16) 1.3px,transparent 1.3px);background-size:20px 20px}
.mp{position:relative;z-index:2;display:flex;flex-direction:column;gap:13px}
.mp-head{display:flex;align-items:center;justify-content:space-between;color:#fff;padding-bottom:14px;
  border-bottom:1px solid rgba(255,255,255,.16)}
.mp-head b{font-weight:800;font-size:1.05rem}
.mp-pill{font-size:.72rem;font-weight:700;padding:5px 11px;border-radius:var(--radius-pill);
  background:rgba(22,160,106,.25);color:#8ff0c2;border:1px solid rgba(22,160,106,.4)}
.mp-tile{display:flex;align-items:center;gap:13px;padding:15px;border-radius:14px;background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.12)}
.mp-tile .ic{flex:none;width:40px;height:40px;border-radius:11px;background:rgba(255,255,255,.14);color:#fff;display:grid;place-items:center}
.mp-tile .ic svg{width:20px;height:20px}
.mp-tile b{display:block;color:#fff;font-weight:700;font-size:.96rem}
.mp-tile span{font-size:.8rem;color:#bcccec}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stats .s b{font-size:clamp(2.1rem,4vw,3rem);font-weight:800;color:var(--ink);display:block;line-height:1}
.stats .s .u{color:var(--blue)}
.stats .s span{color:var(--ink-2);font-size:.95rem;margin-top:10px;display:block}

/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column}
.quote .stars{color:var(--star);font-size:1rem;letter-spacing:1.5px;margin-bottom:14px}
.quote p{font-size:1.02rem;color:var(--ink);flex:1;line-height:1.55}
.quote .who{display:flex;align-items:center;gap:12px;margin-top:22px}
.quote .av{width:44px;height:44px;border-radius:50%;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;
  font-weight:800;font-size:.95rem}
.quote .who b{font-weight:700;font-size:.95rem;display:block}
.quote .who span{font-size:.82rem;color:var(--ink-2)}

/* CTA */
.cta-wrap{padding:0 0 96px}
.cta{position:relative;border-radius:var(--radius-lg);overflow:hidden;padding:64px 54px;
  background:radial-gradient(120% 130% at 82% 120%,#2f63e0,var(--navy) 62%);color:#fff;
  display:grid;grid-template-columns:1.5fr 1fr;gap:30px;align-items:center}
.cta .dots{position:absolute;inset:0;opacity:.45;background-image:radial-gradient(rgba(255,255,255,.16) 1.3px,transparent 1.3px);background-size:22px 22px;-webkit-mask-image:linear-gradient(90deg,#000,transparent 70%);mask-image:linear-gradient(90deg,#000,transparent 70%)}
.cta-inner{position:relative;z-index:2}
.cta h2{color:#fff;font-size:clamp(2rem,3.7vw,2.8rem);text-wrap:balance}
.cta p{color:#cdd9f2;font-size:1.12rem;margin:16px 0 0;max-width:46ch}
.cta-actions{position:relative;z-index:2;display:flex;flex-direction:column;gap:12px}
.cta-actions .btn{width:100%}
.cta-actions .call{text-align:center;color:#cdd9f2;font-size:.9rem;margin-top:4px}
.cta-actions .call a{color:#fff;font-weight:700}

/* footer */
.site-footer{background:var(--ink);color:#aab4c8;padding:66px 0 28px}
.foot-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:38px;padding-bottom:42px;
  border-bottom:1px solid rgba(255,255,255,.1)}
.foot-brand img{height:68px;opacity:.95;margin-bottom:16px}
.foot-brand p{font-size:.93rem;color:#8794aa;max-width:32ch}
.foot-social{display:flex;gap:10px;margin-top:18px}
.foot-social a{display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.07);color:#aab4c8;transition:background .2s,color .2s,transform .2s}
.foot-social a:hover{background:var(--blue);color:#fff;transform:translateY(-2px)}
.foot-social svg{width:17px;height:17px;fill:currentColor}
.foot-col h4{color:#fff;font-size:.92rem;font-weight:700;margin-bottom:15px}
.foot-col a{display:block;padding:6px 0;font-size:.92rem;color:#aab4c8;transition:color .2s}
.foot-col a:hover{color:#fff}
.foot-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:24px;gap:12px;flex-wrap:wrap;
  font-size:.85rem;color:#7986a0}
.foot-bottom .r{display:flex;gap:20px;flex-wrap:wrap}

/* ============ INTERIOR PAGES ============ */
/* page hero */
.page-hero{padding:66px 0 44px;position:relative;overflow:hidden;background:var(--paper);border-bottom:1px solid var(--line)}
.page-hero::before{content:"";position:absolute;top:-200px;right:-140px;width:560px;height:560px;border-radius:50%;
  background:radial-gradient(circle,var(--blue-50),transparent 68%);z-index:0}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{font-size:clamp(2.2rem,4.4vw,3.3rem);max-width:18ch;text-wrap:balance}
.page-hero p{font-size:1.15rem;color:var(--ink-2);margin-top:18px;max-width:56ch;line-height:1.55}
.crumbs{display:flex;gap:8px;align-items:center;font-size:.85rem;color:var(--ink-3);margin-bottom:18px;font-weight:600}
.crumbs a:hover{color:var(--blue)}
.crumbs svg{width:14px;height:14px}

/* prose / story */
.prose{max-width:720px;margin:0 auto}
.prose p{font-size:1.1rem;color:var(--ink-2);line-height:1.7;margin-bottom:22px}
.prose p b{color:var(--ink)}
.prose h2{font-size:1.75rem;margin:44px 0 16px;letter-spacing:-.02em}
.prose h3{font-size:1.5rem;margin:36px 0 14px}
.prose ul,.prose ol{margin:0 0 22px;padding-left:24px;display:grid;gap:10px}
.prose li{font-size:1.06rem;color:var(--ink-2);line-height:1.6}
.prose li b{color:var(--ink)}
.prose a{color:var(--blue);font-weight:600}
.prose a:hover{text-decoration:underline}
.article-meta{display:flex;gap:10px;align-items:center;font-size:.88rem;color:var(--ink-3);font-weight:600;margin-top:18px}
.article-meta .cat{background:var(--blue-50);color:var(--blue);font-size:.74rem;font-weight:700;padding:4px 11px;border-radius:var(--radius-pill)}

/* FAQ accordion */
.faq{max-width:760px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:box-shadow .2s}
.faq details[open]{box-shadow:var(--shadow-md)}
.faq summary{cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:20px 24px;font-weight:700;font-size:1.05rem;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;width:28px;height:28px;border-radius:50%;background:var(--blue-50);color:var(--blue);
  display:grid;place-items:center;font-weight:700;font-size:1.1rem;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .faq-a{padding:0 24px 20px;color:var(--ink-2);font-size:1rem;line-height:1.65}
.faq .faq-a a{color:var(--blue);font-weight:600}

/* two-col story w/ image */
.story{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.story-media{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3}
.story-media img{width:100%;height:100%;object-fit:cover}
.story h2{font-size:clamp(1.8rem,3.3vw,2.5rem);margin-bottom:18px;text-wrap:balance}
.story p{color:var(--ink-2);font-size:1.06rem;line-height:1.65;margin-bottom:16px}

/* value cards */
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.value{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.value .ic{width:50px;height:50px;border-radius:13px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;margin-bottom:18px}
.value .ic svg{width:25px;height:25px;stroke-width:1.9}
.value h3{font-size:1.2rem;margin-bottom:8px}
.value p{color:var(--ink-2);font-size:.97rem}

/* coverage detail rows */
.cov{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:8px}
.cov-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;scroll-margin-top:100px;
  display:flex;gap:22px}
.cov-item .ic{flex:none;width:58px;height:58px;border-radius:15px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center}
.cov-item .ic svg{width:28px;height:28px;stroke-width:1.8}
.cov-item h3{font-size:1.3rem;margin-bottom:8px;display:flex;align-items:center;gap:10px}
.cov-item .code{font-size:.72rem;font-weight:700;color:var(--blue);background:var(--blue-50);padding:3px 9px;border-radius:6px}
.cov-item p{color:var(--ink-2);font-size:.98rem;margin-bottom:12px}
.cov-item ul{list-style:none;padding:0;margin:0;display:grid;gap:7px}
.cov-item ul li{display:flex;gap:9px;align-items:flex-start;font-size:.93rem;color:var(--ink-2)}
.cov-item ul svg{width:15px;height:15px;color:var(--good);flex:none;margin-top:3px;stroke-width:2.6}
.cov-more{display:inline-flex;align-items:center;gap:7px;margin-top:16px;color:var(--blue);font-weight:700;font-size:.92rem}
.cov-more svg{width:15px;height:15px;transition:transform .2s}
.cov-more:hover svg{transform:translateX(4px)}
/* coverage anchor nav */
.cov-nav{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:44px}
.cov-nav a{font-weight:600;font-size:.9rem;color:var(--ink-2);background:#fff;border:1px solid var(--line);
  padding:9px 16px;border-radius:var(--radius-pill);transition:.2s}
.cov-nav a:hover{border-color:var(--blue);color:var(--blue)}

/* product sub-pages */
.cover-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:34px;box-shadow:var(--shadow-md)}
.cover-card-head{display:flex;align-items:center;gap:14px;margin-bottom:20px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.cover-card-head .ic{flex:none;width:52px;height:52px;border-radius:14px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center}
.cover-card-head .ic svg{width:26px;height:26px;stroke-width:1.8}
.cover-card-head h3{font-size:1.3rem}
.cover-card .check-list{margin-top:0}
.cover-card .check-list li{font-size:.97rem;color:var(--ink-2)}
.cover-card .check-list b{color:var(--ink)}
.facts-row{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.fact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;text-align:center}
.fact-card b{font-size:1.7rem;font-weight:800;color:var(--blue);display:block;line-height:1.15;letter-spacing:-.02em}
.fact-card p{color:var(--ink-2);font-size:.95rem;margin-top:10px}
@media(max-width:960px){.facts-row{grid-template-columns:1fr}}

/* insights / blog cards */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.post{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  transition:transform .28s var(--ease),box-shadow .28s var(--ease);display:flex;flex-direction:column}
.post:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.post .thumb{aspect-ratio:16/9;background:linear-gradient(135deg,var(--blue-100),var(--blue-50));position:relative;overflow:hidden}
.post .thumb img{width:100%;height:100%;object-fit:cover}
.post .thumb .cat{position:absolute;top:14px;left:14px;background:rgba(255,255,255,.94);color:var(--blue);
  font-size:.72rem;font-weight:700;padding:5px 11px;border-radius:var(--radius-pill)}
.post .body{padding:24px;display:flex;flex-direction:column;flex:1}
.post .date{font-size:.8rem;color:var(--ink-3);font-weight:600;margin-bottom:10px}
.post h3{font-size:1.16rem;line-height:1.3;margin-bottom:10px}
.post p{color:var(--ink-2);font-size:.94rem;flex:1}
.post .more{margin-top:16px;color:var(--blue);font-weight:700;font-size:.9rem;display:inline-flex;align-items:center;gap:6px}
.post .more svg{width:14px;height:14px;transition:transform .2s}
.post:hover .more svg{transform:translateX(4px)}

/* contact / quote form */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:52px;align-items:start}
.contact-info .ci{display:flex;gap:16px;align-items:flex-start;padding:20px 0;border-bottom:1px solid var(--line)}
.contact-info .ci:last-child{border-bottom:0}
.contact-info .ci .ic{flex:none;width:46px;height:46px;border-radius:12px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center}
.contact-info .ci .ic svg{width:22px;height:22px}
.contact-info .ci b{display:block;font-weight:700;font-size:1.02rem}
.contact-info .ci a,.contact-info .ci span{color:var(--ink-2);font-size:.97rem}
.contact-info .ci a:hover{color:var(--blue)}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:38px;box-shadow:var(--shadow-md)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:7px}
.field label .req{color:var(--orange)}
.field input,.field select,.field textarea{width:100%;font-family:var(--f);font-size:.98rem;color:var(--ink);
  padding:12px 14px;border:1.5px solid var(--line-2);border-radius:var(--radius-sm);background:#fff;transition:border-color .2s,box-shadow .2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-50)}
.field textarea{resize:vertical;min-height:110px}
.form-note{font-size:.84rem;color:var(--ink-3);margin-top:6px}
.form-msg{border-radius:var(--radius-sm);padding:14px 16px;font-size:.95rem;font-weight:600;margin-bottom:18px;display:none}
.form-msg.ok{display:block;background:#e7f7ef;color:#0d7a4f;border:1px solid #bfe8d4}
.form-msg.err{display:block;background:#fdecea;color:#b3261e;border:1px solid #f5c6c2}
.form-card.sent .form-body{display:none}

@media(max-width:960px){
  .story,.contact-grid{grid-template-columns:1fr;gap:38px}
  .values,.posts{grid-template-columns:repeat(2,1fr)}
  .cov,.form-row{grid-template-columns:1fr}
  .story-media{aspect-ratio:16/10}
}
@media(max-width:640px){
  .values,.posts{grid-template-columns:1fr}
  .cov-item{flex-direction:column;gap:16px}
  .form-card{padding:26px}
}

/* renewal-reminder strip */
.renewal-strip{padding:0 0 72px}
.rs-card{display:flex;align-items:center;gap:26px;flex-wrap:wrap;background:var(--paper);
  border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px 30px}
.rs-copy{flex:1;min-width:240px}
.rs-copy b{display:block;font-weight:800;font-size:1.12rem;color:var(--ink);margin-bottom:4px}
.rs-copy span{color:var(--ink-2);font-size:.95rem;line-height:1.5}
.rs-form{display:flex;gap:10px;flex-wrap:wrap;flex:2;min-width:280px}
.rs-form input,.rs-form select{flex:1;min-width:130px;font-family:var(--f);font-size:.94rem;color:var(--ink);
  padding:11px 13px;border:1.5px solid var(--line-2);border-radius:var(--radius-sm);background:#fff}
.rs-form input:focus,.rs-form select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-50)}
.rs-form select{min-width:160px}
.rs-form button{flex:none}
.rs-form.rs-invalid input:invalid,.rs-form.rs-invalid select:invalid{border-color:#b3261e}
.rs-thanks b{color:var(--blue)}
@media(max-width:720px){.rs-form input,.rs-form select,.rs-form button{flex:1 1 100%;width:100%}}

/* related-articles (two-up) */
.posts.two{grid-template-columns:repeat(2,1fr);max-width:840px;margin:0 auto}
@media(max-width:640px){.posts.two{grid-template-columns:1fr}}

/* sticky mobile action bar */
.mobile-cta-bar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:70;gap:10px;
  padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);
  -webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);border-top:1px solid var(--line);
  box-shadow:0 -6px 24px rgba(15,26,46,.08)}
.mobile-cta-bar a{flex:1;display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-weight:700;font-size:.97rem;padding:13px 10px;border-radius:12px}
.mobile-cta-bar svg{width:16px;height:16px}
.mobile-cta-bar .mc-call{background:#fff;color:var(--ink);border:1.5px solid var(--line-2)}
.mobile-cta-bar .mc-quote{background:var(--blue);color:#fff;box-shadow:var(--shadow-blue)}
@media(max-width:720px){
  .mobile-cta-bar{display:flex}
  .site-footer{padding-bottom:96px}
}

/* reveal */
[data-reveal]{opacity:0;transform:translateY(20px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
[data-reveal].in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){[data-reveal]{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}}
a:focus-visible,.btn:focus-visible,button:focus-visible{outline:3px solid var(--blue);outline-offset:3px}

/* responsive */
@media(max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:48px}
  .hero-panel{max-width:440px;margin:0 auto;width:100%}
  .cards,.steps,.quotes{grid-template-columns:repeat(2,1fr)}
  .tiles{grid-template-columns:repeat(4,1fr)}
  .stats{grid-template-columns:repeat(2,1fr);gap:34px}
  .band,.portal,.cta{grid-template-columns:1fr}
  .band-photo{aspect-ratio:16/10}
  .portal-media{min-height:340px}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .nav-links,.nav-phone,.nav-login,.nav-right .btn{display:none}
  .nav-toggle{display:block}
  .nav-links.open{display:flex;position:absolute;top:78px;left:0;right:0;flex-direction:column;background:#fff;
    padding:16px 26px;gap:0;border-bottom:1px solid var(--line);box-shadow:var(--shadow-md)}
  .nav-links.open a{padding:13px 0;border-bottom:1px solid var(--line);width:100%}
  .nav-links.open .mobile-only{display:flex;align-items:center;gap:8px;color:var(--blue);font-weight:700}
  .section,.hero{padding:58px 0}
  .cards,.quotes,.steps{grid-template-columns:1fr}
  .tiles{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:1fr 1fr}
  .cta,.portal-copy{padding:40px 26px}
  .foot-grid{grid-template-columns:1fr}
}