:root{--black:#1d1d1b;--coal:#292826;--ivory:#f4f0e7;--white:#fffefa;--gold:#ddb95f;--gold2:#f0d998;--muted:#77736a;--line:rgba(29,29,27,.17);--serif:"Playfair Display",serif;--sans:"DM Sans",sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--ivory);color:var(--black);font-family:var(--sans);-webkit-font-smoothing:antialiased}button,input{font:inherit}button,a{color:inherit}a{text-decoration:none}button{cursor:pointer}.skip{position:fixed;top:-80px;left:20px;background:#fff;padding:12px;z-index:99}.skip:focus{top:20px}header{height:88px;padding:0 3.5vw;display:grid;grid-template-columns:190px 1fr auto;gap:30px;align-items:center;background:var(--white);position:relative;z-index:20;border-bottom:1px solid var(--line)}.logo{width:174px;height:68px;display:grid;place-items:center;overflow:visible}.logo img{width:100%;height:100%;object-fit:contain}nav{display:flex;justify-content:center;gap:2.2vw;font-size:12px;font-weight:500}nav a{position:relative}nav a:after{content:"";position:absolute;left:0;bottom:-8px;width:0;height:1px;background:var(--gold);transition:.25s}nav a:hover:after{width:100%}.nav-actions{display:flex;align-items:center;gap:22px;font-size:12px}.pill{border:0;background:var(--black);color:white;border-radius:100px;padding:15px 22px;display:inline-flex;gap:25px;align-items:center;justify-content:space-between;font-size:12px;font-weight:600}.pill span{color:var(--gold)}.pill-gold{background:var(--gold);color:var(--black);padding:18px 26px}.pill-gold span{color:var(--black)}.menu{display:none;background:none;border:0}.menu i{display:block;width:26px;height:1px;background:var(--black);margin:6px}
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@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.marquee div{animation:none}}

/* Direction three: editorial buying experience */
:root{--serif:"Instrument Serif",serif;--sans:"Manrope",sans-serif}
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.marquee{padding:0}.marquee-track{display:flex!important;width:max-content;animation:marqueeLoop 28s linear infinite!important}.marquee-track span{display:block;padding:14px 0;white-space:nowrap}.marquee-track i{margin:0 34px}@keyframes marqueeLoop{to{transform:translateX(-50%)}}
.insurance-lens{margin-top:75px;border:1px solid var(--line);display:grid;grid-template-columns:220px 1fr;background:var(--white)}.lens-nav{display:flex;flex-direction:column;border-right:1px solid var(--line);padding:20px}.lens-nav button{border:0;background:transparent;text-align:left;padding:18px 14px;color:var(--muted);font-size:12px;border-bottom:1px solid var(--line);position:relative}.lens-nav button:before{content:"";display:inline-block;width:5px;height:5px;border:1px solid var(--gold);transform:rotate(45deg);margin-right:15px}.lens-nav button.active{color:var(--black);font-weight:600}.lens-nav button.active:before{background:var(--gold)}.lens-stage{min-height:570px;position:relative;display:grid;grid-template-columns:1fr .8fr;align-items:center;padding:55px 6vw;overflow:hidden}.lens-index{position:absolute;top:28px;right:32px;color:var(--muted);font-size:9px}.lens-orbit{width:min(30vw,370px);aspect-ratio:1;border:1px solid var(--line);border-radius:50%;display:grid;place-items:center;position:relative;background:radial-gradient(circle,var(--ivory),transparent 68%)}.lens-orbit:before,.lens-orbit:after{content:"";position:absolute;border:1px solid var(--line);border-radius:50%;inset:13%}.lens-orbit:after{inset:31%;background:var(--black)}.lens-orbit i{position:absolute;width:9px;height:9px;background:var(--gold);transform:rotate(45deg);top:8%;right:21%;z-index:2}.lens-orbit b{font:400 clamp(40px,5vw,78px) var(--serif);color:white;z-index:2}.lens-copy small{color:var(--muted);font-size:9px;text-transform:uppercase;letter-spacing:.1em}.lens-copy h3{font:400 50px/1 var(--serif);margin:20px 0}.lens-copy p{color:var(--muted);font-size:13px;line-height:1.7;max-width:390px}.lens-start{margin-top:28px;border:1px solid var(--black);background:transparent;width:95px;height:95px;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px}.lens-start b{font-size:7px;color:var(--gold)}
.process{grid-template-columns:.8fr 1.2fr}.process-note{color:rgba(255,255,255,.5);line-height:1.7;max-width:430px}.quote-story{display:flex;flex-direction:column;gap:22px}.chat,.advisor-reply{max-width:78%;padding:24px 28px}.chat{background:var(--gold2);color:var(--black);align-self:flex-end}.advisor-reply{border:1px solid rgba(255,255,255,.18);display:flex;gap:18px}.chat span{font-size:8px;letter-spacing:.1em;color:#766439}.chat p,.advisor-reply p{margin:10px 0 0;line-height:1.55;font-size:13px}.advisor-reply i{width:34px;height:34px;flex:0 0 34px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:var(--gold);font:400 13px var(--serif)}.compare-window{background:var(--white);color:var(--black);padding:25px;box-shadow:20px 20px 0 #111}.window-head{display:flex;justify-content:space-between;font-size:8px;letter-spacing:.12em;border-bottom:1px solid var(--line);padding-bottom:18px}.window-head b{color:#907835}.quote-option{display:grid;grid-template-columns:60px 1fr auto;padding:20px 0;border-bottom:1px solid var(--line);align-items:center}.quote-option span{font-size:8px;color:var(--muted)}.quote-option b{font-size:14px}.quote-option i{font-style:normal;color:var(--muted);font-size:10px}.compare-window>small{display:block;color:var(--muted);font-size:7px;margin-top:15px}.decision{display:flex;align-items:center;gap:25px;margin-top:20px}.seal{width:65px;height:65px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;color:var(--gold)}.decision small{font-size:8px;color:rgba(255,255,255,.42);letter-spacing:.1em}.decision h3{font:400 30px/1.15 var(--serif);margin:8px 0}
.audience-bento{display:grid;grid-template-columns:1.2fr .8fr;grid-template-rows:1fr 1fr;min-height:760px;margin-top:70px;border:1px solid var(--line)}.audience-bento article{padding:38px}.audience-bento article>span{font-size:9px;letter-spacing:.13em}.path-main{grid-row:1/3;position:relative;background:linear-gradient(0deg,rgba(18,17,15,.9),rgba(18,17,15,.06)),url('assets/insurance-point-hero-v2.png?v=20260909a') 70% center/cover;color:white;display:flex;flex-direction:column;justify-content:space-between}.path-main h3{font:400 55px/1 var(--serif);margin:0 0 18px}.path-main p{color:rgba(255,255,255,.68);max-width:480px;line-height:1.7}.path-side{display:flex;flex-direction:column}.path-side h3{font:400 34px/1.1 var(--serif);max-width:490px;margin:30px 0}.path-side.partner{background:var(--gold2);border-bottom:1px solid rgba(29,29,27,.18)}.path-side.enterprise{background:var(--white)}.path-action{border:0;border-top:1px solid currentColor;background:transparent;padding:17px 0 0;margin-top:auto;display:flex;justify-content:space-between;width:100%;font-size:11px}.path-action b{font-size:7px;color:var(--gold)}.partner-flow{display:flex;align-items:center;gap:10px;margin:10px 0 25px}.partner-flow b{font-size:8px;border:1px solid rgba(29,29,27,.25);padding:8px}.partner-flow i{height:1px;flex:1;background:rgba(29,29,27,.25)}.fleet-counter{display:flex;align-items:end;gap:18px;margin-bottom:25px}.fleet-counter b{font:400 28px var(--serif);color:var(--muted)}.fleet-counter b:last-of-type{font-size:50px;color:var(--black)}.fleet-counter span{font-size:8px;color:var(--muted);padding-bottom:8px}
.tech{position:relative;overflow:hidden}.tech:before{content:"";position:absolute;width:700px;height:700px;border:1px solid rgba(221,185,95,.12);border-radius:50%;left:-380px;top:-180px}.service-console{position:relative;z-index:1}.console-main button>i{font-size:8px;color:var(--gold)}.final-cta{position:relative;overflow:hidden}.cta-orbit{position:absolute;width:550px;height:550px;border:1px solid rgba(221,185,95,.16);border-radius:50%;display:grid;place-items:center}.cta-orbit:before{content:"";position:absolute;inset:18%;border:1px solid rgba(221,185,95,.13);border-radius:50%}.cta-orbit span{position:absolute;top:8%;color:var(--gold);font-size:8px}.final-cta>*:not(.cta-orbit){position:relative;z-index:1}
footer{display:block;padding:0 6vw 25px}.footer-signoff{min-height:260px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid rgba(255,255,255,.12)}.footer-signoff p{font:400 clamp(35px,4vw,62px)/1.05 var(--serif);color:white;margin:0}.footer-signoff em{color:var(--gold2);font-style:italic}.footer-buy{width:145px;height:145px;border:1px solid var(--gold);border-radius:50%;background:transparent;color:white;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;font-size:10px}.footer-buy b{font-size:7px;color:var(--gold)}.footer-body{padding:55px 0;display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:6vw}.footer-body>div>span{display:block;font-size:8px;letter-spacing:.15em;color:var(--gold);margin-bottom:20px}footer>small{display:block;border-top:1px solid rgba(255,255,255,.1);padding-top:20px;color:rgba(255,255,255,.3);font-size:8px}
@media(max-width:900px){.topline{display:none}header{grid-template-columns:1fr auto;height:76px}header nav,.nav-actions{display:none}.logo{justify-self:start;width:165px;height:66px}.hero{height:800px}.insurance-lens{grid-template-columns:1fr}.lens-nav{flex-direction:row;overflow:auto;border-right:0;border-bottom:1px solid var(--line)}.lens-nav button{white-space:nowrap}.lens-stage{grid-template-columns:1fr 1fr}.audience-bento{grid-template-columns:1fr;grid-template-rows:auto}.path-main{grid-row:auto;min-height:600px}.path-side{min-height:400px}.footer-body{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.topline{display:none}.hero{height:760px}.hero-img{object-position:64% center}.lens-stage{grid-template-columns:1fr;padding:40px 25px}.lens-orbit{width:260px;margin:auto}.lens-copy{margin-top:35px}.insurance-lens{margin-top:45px}.process{gap:55px}.chat,.advisor-reply{max-width:92%}.compare-window{padding:18px;box-shadow:8px 8px 0 #111}.quote-option{grid-template-columns:45px 1fr}.quote-option i{display:none}.audience-bento{margin-top:40px}.audience-bento article{padding:28px}.path-main{min-height:560px}.path-main h3{font-size:45px}.footer-signoff{align-items:flex-start;flex-direction:column;padding:65px 0}.footer-buy{width:110px;height:110px;margin-top:35px}.footer-body{grid-template-columns:1fr}}

/* Approved foundation: one font and a signature floating header */
:root{--serif:"Manrope",sans-serif;--sans:"Manrope",sans-serif}
:root{--charcoal:var(--coal)}
body,h1,h2,h3,h4,h5,h6,button,input,select,textarea{font-family:var(--sans)}
h1 em,h2 em,.path-main h3,.path-side h3,.lens-copy h3,.decision h3,.quote-side h2,#quote-form h2,.footer-signoff p,.metrics b,.fleet-counter b{font-family:var(--sans);font-style:normal}
h1 em,h2 em{font-weight:400}.hero h1{font-weight:500}.hero h1 em{font-weight:400;letter-spacing:-.055em}
.site-header{position:absolute;z-index:50;left:0;right:0;top:0;height:auto;padding:0 3.2vw;background:transparent;border:0;display:block;color:white;transition:top .35s ease,left .35s ease,right .35s ease,padding .35s ease,filter .35s ease}
.header-frame{height:104px;display:grid;grid-template-columns:210px minmax(150px,.7fr) 1.5fr auto;align-items:center;border-bottom:1px solid rgba(255,255,255,.22);background:linear-gradient(90deg,rgba(18,18,16,.3),rgba(18,18,16,.08),rgba(18,18,16,.22));backdrop-filter:blur(3px);transition:height .35s ease,background .35s ease,padding .35s ease,border .35s ease,clip-path .35s ease}
.wordmark{justify-self:start;display:flex;flex-direction:column;align-items:flex-start;gap:5px;line-height:1}.wordmark strong{font-size:17px;letter-spacing:.13em;font-weight:500;white-space:nowrap}.wordmark small{font-size:7px;letter-spacing:.4em;color:var(--gold);font-weight:600;padding-left:1px}
.section-signal{display:flex;align-items:center;gap:13px;padding-left:24px;border-left:1px solid rgba(255,255,255,.2);min-width:0}.section-signal i{width:7px;height:7px;flex:0 0 7px;background:var(--gold);transform:rotate(45deg)}.section-signal span{font-size:8px;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.66);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.site-header nav{display:flex;justify-content:center;gap:clamp(18px,2vw,35px);font-size:10px}.site-header nav a{padding:16px 0;color:rgba(255,255,255,.62);transition:color .25s}.site-header nav a:after{display:none}.site-header nav a.active,.site-header nav a:hover{color:white}.site-header nav a.active:before{content:"";width:5px;height:5px;background:var(--gold);transform:rotate(45deg);display:inline-block;margin-right:9px}
.site-header .nav-actions{display:flex;justify-self:end;align-items:stretch;gap:0;height:48px}.header-call{display:flex;flex-direction:column;justify-content:center;padding:0 22px;border:1px solid rgba(255,255,255,.25);border-right:0}.header-call small{font-size:7px;color:rgba(255,255,255,.45);letter-spacing:.08em;text-transform:uppercase}.header-call b{font-size:10px;margin-top:3px}.header-buy{min-width:145px;border:1px solid var(--gold);background:var(--gold);color:var(--black);display:flex;align-items:center;justify-content:space-between;padding:0 17px;font-size:10px;font-weight:700}.header-buy i{font-style:normal;font-size:7px}.header-progress{position:absolute;left:3.2vw;right:3.2vw;height:1px;bottom:0;overflow:hidden}.header-progress i{display:block;width:0;height:100%;background:var(--gold)}
.site-header.floating{position:fixed;top:14px;left:3.2vw;right:3.2vw;padding:0 26px;filter:drop-shadow(0 18px 30px rgba(0,0,0,.18))}.site-header.floating .header-frame{height:68px;padding:0 34px;background:rgba(29,29,27,.96);backdrop-filter:blur(18px);border:0;clip-path:polygon(18px 0,calc(100% - 18px) 0,100% 18px,100% calc(100% - 18px),calc(100% - 18px) 100%,18px 100%,0 calc(100% - 18px),0 18px)}.site-header.floating .wordmark strong{font-size:14px}.site-header.floating .wordmark small{font-size:6px}.site-header.floating .header-call{display:none}.site-header.floating .header-progress{left:44px;right:44px}.site-header.floating .section-signal{padding-left:14px}.hero{height:100vh;min-height:720px}.hero-content{top:19%}
@media(max-width:1050px){.header-frame{grid-template-columns:185px 1fr auto}.section-signal{display:none}.site-header nav{justify-content:flex-start}.header-call{display:none}}
@media(min-width:761px) and (max-width:900px){.site-header nav{display:flex}.site-header .menu{display:none}}
@media(max-width:760px){.site-header{padding:0 16px}.header-frame{height:78px;grid-template-columns:1fr auto;background:linear-gradient(90deg,rgba(20,20,18,.42),rgba(20,20,18,.08))}.wordmark strong{font-size:14px}.wordmark small{font-size:6px}.site-header .nav-actions{display:none}.site-header .menu{display:block;z-index:2}.site-header .menu i{background:white}.site-header nav{display:none}.site-header nav.mobile-open{display:flex;position:absolute;top:78px;left:16px;right:16px;background:rgba(29,29,27,.98);padding:28px;flex-direction:column;align-items:flex-start;gap:12px;clip-path:polygon(12px 0,100% 0,100% calc(100% - 12px),calc(100% - 12px) 100%,0 100%,0 12px)}.site-header.floating{top:9px;left:9px;right:9px;padding:0 7px}.site-header.floating .header-frame{height:62px;padding:0 20px}.site-header.floating nav.mobile-open{top:62px;left:7px;right:7px}.header-progress{left:16px;right:16px}.hero-content{top:16%}}

/* New logo-led curved navigation and footer */
:root{--gold:#d6aa6b;--gold2:#e8d2ad}
.site-header{padding:0 2.2vw}.header-frame{height:100px;padding:0 28px;grid-template-columns:240px minmax(140px,.6fr) 1.5fr auto;background:rgba(24,24,22,.72);border:1px solid rgba(255,255,255,.15);border-top:0;border-radius:0 0 46px 46px;backdrop-filter:blur(16px);clip-path:none}
.brand-lockup{width:220px;height:56px;display:block;position:relative}.brand-lockup img{position:absolute;inset:0;width:100%;height:100%;object-fit:contain;object-position:left center}.brand-dark{opacity:0}.brand-light,.brand-dark{transition:opacity .3s ease}
.section-signal{border-left:1px solid rgba(255,255,255,.16)}.section-signal i{width:auto;height:auto;background:none;transform:none;color:var(--gold);font-style:normal;font-size:12px}.site-header nav a.active:before{content:"✦";width:auto;height:auto;background:none;transform:none;color:var(--gold);font-size:9px;margin-right:8px}.header-call{border-radius:28px 0 0 28px}.header-buy{border-radius:0 28px 28px 0}.header-buy i{font-size:10px}.header-progress{left:46px;right:46px}
.site-header.floating{top:12px;left:4vw;right:4vw;padding:0}.site-header.floating .header-frame{height:72px;padding:0 30px;background:rgba(244,240,231,.97);border:1px solid rgba(52,54,51,.1);border-radius:38px;clip-path:none;color:var(--black)}.site-header.floating .brand-lockup{width:190px;height:45px}.site-header.floating .brand-light{opacity:0}.site-header.floating .brand-dark{opacity:1}.site-header.floating nav a{color:rgba(29,29,27,.55)}.site-header.floating nav a.active,.site-header.floating nav a:hover{color:var(--black)}.site-header.floating .section-signal{border-color:rgba(29,29,27,.14)}.site-header.floating .section-signal span{color:rgba(29,29,27,.58)}.site-header.floating .header-buy{border-radius:28px}.site-header.floating .header-progress{left:38px;right:38px}.site-header.floating .menu i{background:var(--black)}
footer{position:relative;overflow:hidden;border-radius:90px 90px 0 0;margin-top:-1px;padding:0 6vw 25px;background:#242522}.footer-element{position:absolute;width:min(52vw,760px);height:auto;right:-10vw;bottom:-34%;opacity:.035;pointer-events:none}.footer-signoff{position:relative;z-index:1;min-height:330px}.footer-signoff>div>span{font-size:8px;letter-spacing:.2em;color:var(--gold)}.footer-signoff p{margin-top:20px;font-size:clamp(42px,5vw,72px);font-weight:500;letter-spacing:-.05em}.footer-buy{width:190px;height:86px;border-radius:48px;border-color:rgba(214,170,107,.7);flex-direction:row;gap:20px}.footer-body{position:relative;z-index:1;border-top:1px solid rgba(255,255,255,.1)}.footer-brand img{width:250px;height:62px;object-fit:contain;object-position:left center}.footer-body a{width:max-content;border-bottom:1px solid transparent;transition:border-color .2s}.footer-body a:hover{border-color:var(--gold)}
@media(max-width:1050px){.header-frame{grid-template-columns:220px 1fr auto}.brand-lockup{width:200px}}
@media(max-width:760px){.site-header{padding:0 10px}.header-frame{height:76px;padding:0 22px;border-radius:0 0 32px 32px;grid-template-columns:1fr auto}.brand-lockup{width:180px;height:46px}.site-header nav.mobile-open{top:76px;left:10px;right:10px;border-radius:28px;padding:30px;clip-path:none}.site-header.floating{top:8px;left:8px;right:8px;padding:0}.site-header.floating .header-frame{height:62px;padding:0 22px;border-radius:32px}.site-header.floating .brand-lockup{width:165px;height:40px}.site-header.floating nav.mobile-open{top:68px;left:0;right:0;border-radius:26px}.footer-element{width:110vw;right:-35vw;bottom:-10%;opacity:.03}footer{border-radius:52px 52px 0 0;padding-inline:24px}.footer-signoff{min-height:380px}.footer-buy{width:165px;height:72px}.footer-brand img{width:220px}}

/* White-to-charcoal closing transition */
.final-cta{min-height:760px;background:var(--white);color:white;isolation:isolate}.final-cta .cta-orbit{width:min(650px,78vw);height:min(650px,78vw);max-height:650px;background:var(--coal);border:0;box-shadow:0 35px 90px rgba(29,29,27,.14);z-index:0}.final-cta .cta-orbit:before{inset:38px;border-color:rgba(214,170,107,.2)}.final-cta .cta-orbit i{position:absolute;inset:78px;border:1px solid rgba(255,255,255,.08);border-radius:50%}.final-cta>p{color:var(--gold)}.final-cta h2{color:white}.final-cta h2 em{color:var(--gold2)}.final-cta>a{color:rgba(255,255,255,.58)}
footer{margin-top:0}
@media(max-width:600px){.final-cta{min-height:620px}.final-cta .cta-orbit{width:440px;height:440px;max-height:none}.final-cta .cta-orbit:before{inset:24px}.final-cta .cta-orbit i{inset:50px}.final-cta h2{font-size:46px;max-width:340px}}

/* Editorial closing statement */
.final-cta{min-height:720px;padding:100px 7vw 70px;display:grid;grid-template-columns:1.1fr .9fr;align-items:center;text-align:left;background:var(--white);color:var(--black);overflow:hidden}.final-cta .closing-copy{position:relative;z-index:3}.closing-copy>p{margin:0 0 35px;color:#7d786f;font-size:8px;font-weight:700;letter-spacing:.2em}.closing-copy h2{margin:0;color:var(--black);font-size:clamp(55px,6.2vw,92px);font-weight:500;line-height:.98;letter-spacing:-.065em}.closing-copy h2 em{color:var(--black);font-weight:400}.closing-actions{margin-top:55px;display:flex;align-items:center;gap:38px}.closing-buy{height:62px;min-width:185px;padding:0 24px;border:0;border-radius:32px;background:var(--gold);color:var(--black);display:flex;align-items:center;justify-content:space-between;font-size:11px;font-weight:700}.closing-buy span{font-size:13px}.closing-actions a{display:flex;flex-direction:column;gap:4px;padding-bottom:7px;border-bottom:1px solid rgba(29,29,27,.35);font-size:11px}.closing-actions a small{color:#89847b;font-size:7px;letter-spacing:.08em;text-transform:uppercase}
.closing-art{height:520px;position:relative;display:grid;place-items:center}.closing-art img{position:relative;z-index:2;width:min(31vw,390px);height:min(31vw,390px);object-fit:contain;opacity:.96}.closing-art .curve{position:absolute;border:1px solid rgba(29,29,27,.3);border-radius:50% 50% 0 0;transform:rotate(-20deg)}.curve-one{width:520px;height:310px;right:-90px;top:65px}.curve-two{width:420px;height:250px;right:-30px;top:130px}.closing-art>span{position:absolute;z-index:3;top:18px;right:16%;color:var(--gold);font-size:28px}.closing-art>small{position:absolute;z-index:3;right:0;bottom:45px;color:#767169;font-size:7px;font-weight:700;letter-spacing:.16em;line-height:1.7}.final-cta .cta-orbit{display:none}
@media(max-width:800px){.final-cta{grid-template-columns:1fr;gap:35px;padding:90px 24px 45px}.closing-copy h2{font-size:58px}.closing-art{height:390px}.closing-art img{width:280px;height:280px}.curve-one{width:430px;height:250px;right:-160px}.curve-two{width:340px;height:200px;right:-100px}.closing-actions{align-items:flex-start;flex-direction:column;gap:25px;margin-top:40px}.closing-art>small{right:10px}}

/* Foundation-to-closing rhythm and continuous client showcase */
.story{padding-bottom:55px}.client-strip{margin-top:75px;grid-template-columns:220px 1fr;gap:30px;overflow:hidden;padding:28px 0}.client-marquee{min-width:0;overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}.client-track{display:flex;width:max-content;animation:clientFlow 28s linear infinite}.client-track>div{display:flex;align-items:center;white-space:nowrap}.client-track b{width:auto;min-width:155px;padding:0 25px;color:#8f8b83;font-size:11px}.client-track i{font-style:normal;color:var(--gold);font-size:9px}.final-cta{padding-top:58px}@keyframes clientFlow{to{transform:translateX(-50%)}}
@media(max-width:700px){.story{padding-bottom:35px}.client-strip{grid-template-columns:1fr;gap:18px;margin-top:55px}.client-track b{min-width:135px}.final-cta{padding-top:45px}}
@media(prefers-reduced-motion:reduce){.client-track{animation:none}}

/* Hero and cover-selection brand experience */
.pill img,.header-buy img{width:20px;height:20px;object-fit:contain}.header-buy img{width:18px;height:18px}.quick-types button{border-radius:30px 30px 4px 30px;margin:0 4px;border:1px solid rgba(255,255,255,.12);height:66px}.quick-types button img{width:19px;height:19px;object-fit:contain;grid-column:2;grid-row:1/3;opacity:.68}.quick-types button:hover img{opacity:1}.hero-quote{border-radius:38px 38px 0 0;padding:18px 18px 0}
.cover-experience{margin-top:75px}.cover-switcher{display:grid;grid-template-columns:repeat(6,1fr);gap:8px;margin-bottom:12px}.cover-switcher button{min-height:105px;border:1px solid var(--line);border-radius:50px 50px 10px 50px;background:rgba(255,255,255,.5);padding:17px;display:grid;grid-template-columns:30px 1fr auto;align-items:center;text-align:left;transition:background .25s,color .25s,transform .25s}.cover-switcher button img{width:23px;height:23px;object-fit:contain;opacity:.55}.cover-switcher button span{font-size:12px;font-weight:600}.cover-switcher button small{align-self:start;color:#969188;font-size:8px}.cover-switcher button:hover{transform:translateY(-4px);background:var(--white)}.cover-switcher button.active{background:var(--gold2);border-color:var(--gold)}.cover-switcher button.active img{opacity:1}
.cover-stage{min-height:570px;border-radius:92px 18px 92px 18px;background:var(--coal);color:white;display:grid;grid-template-columns:1fr .72fr;align-items:end;padding:65px 6vw;position:relative;overflow:hidden}.cover-watermark{position:absolute;width:min(44vw,610px);height:min(44vw,610px);object-fit:contain;right:-5vw;top:-15%;opacity:.035}.cover-title,.cover-detail{position:relative;z-index:2}.cover-title>span{font-size:8px;letter-spacing:.17em;color:var(--gold)}.cover-title h3{font-size:clamp(62px,7.3vw,110px);font-weight:500;line-height:.82;letter-spacing:-.07em;margin:40px 0 0}.cover-detail{padding-bottom:5px}.cover-detail>small{font-size:8px;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.44)}.cover-detail>p{font-size:14px;line-height:1.75;color:rgba(255,255,255,.65);max-width:430px;margin:22px 0 35px}.cover-start{width:220px;height:64px;border:1px solid rgba(214,170,107,.7);border-radius:34px;background:transparent;color:white;padding:0 20px;display:flex;justify-content:space-between;align-items:center;font-size:11px}.cover-start img{width:25px;height:25px;object-fit:contain}.cover-start:hover{background:var(--gold);color:var(--black)}.cover-start:hover img{content:url('New dark logo elegemnt.png')}
dialog#quote{border-radius:58px 58px 20px 58px;overflow:hidden;background:var(--ivory)}.quote-side{border-radius:58px 0 0 58px;overflow:hidden}.quote-side .quote-brand-element{position:absolute;inset:auto auto 35px 35px;width:80px;height:80px;object-fit:contain;filter:none;opacity:.28;z-index:1}.close{width:38px;height:38px;border-radius:50%;background:rgba(244,240,231,.75);display:grid;place-items:center;line-height:1}.type-chips button{border-radius:22px}.type-chips button.active{background:var(--gold);border-color:var(--gold);color:var(--black)}#quote-form .pill{border-radius:30px}
@media(max-width:1000px){.cover-switcher{grid-template-columns:repeat(3,1fr)}.cover-stage{grid-template-columns:1fr .85fr}}
@media(max-width:700px){.hero-quote{border-radius:30px 30px 0 0}.quick-types{gap:4px}.quick-types button{margin:0;padding:0 9px;border-radius:22px 22px 4px 22px}.quick-types button img{width:15px;height:15px}.cover-experience{margin-top:45px}.cover-switcher{display:flex;overflow-x:auto;padding-bottom:8px}.cover-switcher button{min-width:135px;min-height:86px;border-radius:40px 40px 8px 40px}.cover-stage{min-height:600px;grid-template-columns:1fr;align-content:end;gap:45px;border-radius:58px 12px 58px 12px;padding:50px 28px}.cover-title h3{font-size:65px}.cover-watermark{width:430px;height:430px;right:-160px;top:-50px}.cover-start{width:100%}dialog#quote{border-radius:38px 38px 12px 38px}.quote-side{border-radius:38px 38px 0 0}}

/* Refined hero spacing and useful product imagery */
.hero-quote{bottom:38px}.intro{padding-top:72px}.cover-switcher button{grid-template-columns:34px 1fr;padding-inline:20px}.cover-switcher button svg{width:27px;height:27px;fill:none;stroke:currentColor;stroke-width:1.35;stroke-linecap:round;stroke-linejoin:round;color:#5e5b55}.cover-switcher button.active svg{color:var(--black)}
.cover-stage{min-height:650px;align-items:start;padding-top:62px;background:var(--coal);transition:background .35s ease}.cover-stage.car-active{background:linear-gradient(90deg,rgba(21,20,18,.94) 0,rgba(21,20,18,.68) 42%,rgba(21,20,18,.12) 73%),linear-gradient(0deg,rgba(21,20,18,.25),rgba(21,20,18,.08)),url('assets/car-types-showcase.png?v=20260909a') center/cover no-repeat}.cover-stage.car-active .cover-title h3{text-shadow:0 3px 30px rgba(0,0,0,.35)}.cover-detail{padding-top:15px}.cover-options{display:flex;flex-wrap:wrap;gap:7px;margin:-8px 0 30px}.cover-options button{border:1px solid rgba(255,255,255,.24);border-radius:22px;background:rgba(29,29,27,.24);backdrop-filter:blur(6px);color:rgba(255,255,255,.82);padding:9px 13px;font-size:9px}.cover-options button:hover{border-color:var(--gold);color:white}.cover-title h3{margin-top:28px}.cover-detail>p{margin-bottom:25px}
@media(max-width:700px){.hero-quote{bottom:26px}.intro{padding-top:55px}.cover-switcher button{grid-template-columns:28px 1fr}.cover-switcher button svg{width:23px;height:23px}.cover-stage{min-height:650px;align-content:start;padding-top:42px}.cover-stage.car-active{background:linear-gradient(180deg,rgba(21,20,18,.95) 0,rgba(21,20,18,.72) 46%,rgba(21,20,18,.08) 80%),url('assets/car-types-showcase.png?v=20260909a') 65% center/cover no-repeat}.cover-detail{margin-top:30px}}

/* Category campaign family */
.cover-stage.bike-active{background:linear-gradient(90deg,rgba(21,20,18,.95) 0,rgba(21,20,18,.7) 43%,rgba(21,20,18,.12) 76%),url('assets/bike-types-showcase.png?v=20260909a') center/cover no-repeat}.cover-stage.health-active{background:linear-gradient(90deg,rgba(21,20,18,.96) 0,rgba(21,20,18,.7) 40%,rgba(21,20,18,.08) 72%),url('assets/health-life-stages.png?v=20260909a') center/cover no-repeat}.cover-stage.life-active{background:linear-gradient(90deg,rgba(21,20,18,.96) 0,rgba(21,20,18,.7) 41%,rgba(21,20,18,.08) 75%),url('assets/life-family-future.png?v=20260909a') center/cover no-repeat}.cover-stage.fleet-active{background:linear-gradient(90deg,rgba(21,20,18,.96) 0,rgba(21,20,18,.68) 42%,rgba(21,20,18,.08) 74%),url('assets/fleet-types-showcase.png?v=20260909a') center/cover no-repeat}.cover-stage.business-active{background:linear-gradient(90deg,rgba(21,20,18,.96) 0,rgba(21,20,18,.68) 42%,rgba(21,20,18,.08) 74%),url('assets/business-risk-showcase.png?v=20260909a') center/cover no-repeat}

/* Refined category pictograms */
.cover-switcher button{grid-template-columns:48px 1fr;gap:12px;min-height:112px}.cover-switcher button svg{width:44px;height:44px;padding:10px;background:var(--ivory);border-radius:50% 50% 12% 50%;stroke-width:1.7;color:#454541;transition:.25s}.cover-switcher button.active svg{background:var(--black);color:var(--gold2)}.cover-switcher button:hover svg{transform:translateY(-2px)}

/* Floating hero insurance launcher */
.hero-quote{width:min(720px,64vw);bottom:34px;padding:13px 14px 14px;background:rgba(244,240,231,.94);color:var(--black);border:1px solid rgba(255,255,255,.65);border-radius:48px;box-shadow:0 22px 60px rgba(0,0,0,.2);backdrop-filter:blur(20px)}.hero-quote>span{position:absolute;left:25px;top:-24px;color:rgba(255,255,255,.72);font-size:8px}.quick-types{gap:6px;margin:0}.quick-types button{height:58px;margin:0;padding:0 19px;border:0;border-radius:30px;background:rgba(255,255,255,.7);color:var(--black);display:flex;align-items:center;justify-content:space-between;font-size:11px;position:relative;overflow:hidden}.quick-types button b,.quick-types button img{display:none}.quick-types button:after{content:"";width:13px;height:13px;border-top:1.5px solid var(--gold);border-right:1.5px solid var(--gold);border-radius:0 10px 0 0;transform:rotate(45deg);margin-left:10px}.quick-types button:hover{background:var(--gold2)}
@media(max-width:700px){.hero-quote{width:calc(100% - 20px);right:10px;bottom:18px;border-radius:34px;padding:9px}.hero-quote>span{left:20px}.quick-types{display:grid;grid-template-columns:1fr 1fr}.quick-types button{height:47px;border-radius:24px;padding-inline:15px}.cover-switcher button{grid-template-columns:38px 1fr;min-height:88px}.cover-switcher button svg{width:36px;height:36px;padding:8px}.cover-stage.bike-active,.cover-stage.health-active,.cover-stage.life-active,.cover-stage.fleet-active,.cover-stage.business-active{background-position:64% center;background-size:cover}}

/* Three-section visual narrative */
.process{display:block;background:var(--white);color:var(--black);padding:120px 6vw 135px}.difference-head{display:grid;grid-template-columns:1fr .85fr;gap:8vw;align-items:end}.difference-head .section-no{grid-column:1/-1;margin-bottom:0}.difference-head h2{font-size:clamp(55px,6vw,90px);line-height:.96}.difference-head h2 em{color:var(--black)}.difference-head>p{max-width:480px;color:var(--muted);line-height:1.8}.decision-path{display:grid;grid-template-columns:.9fr .8fr 1.05fr;gap:10px;margin-top:75px;min-height:630px}.decision-path>div{padding:42px;position:relative;overflow:hidden}.need-panel{border-radius:76px 14px 14px 76px;background:linear-gradient(0deg,rgba(20,20,18,.9),rgba(20,20,18,.16)),url('assets/insurance-point-hero-v2.png?v=20260909a') 70% center/cover;color:white;display:flex;flex-direction:column;justify-content:space-between}.need-panel span,.narrowing-panel>span,.clarity-panel>span{font-size:8px;letter-spacing:.17em;color:var(--gold)}.need-panel h3{font-size:34px;line-height:1.2;font-weight:500;margin-top:30px}.need-panel small{color:rgba(255,255,255,.58)}.narrowing-panel{background:var(--gold2);display:flex;flex-direction:column;align-items:center;justify-content:space-between}.narrowing-panel>span{align-self:flex-start;color:#725f36}.narrow-step{text-align:center}.narrow-step b{display:block;font-size:clamp(42px,5vw,70px);font-weight:500;letter-spacing:-.06em}.narrow-step small{font-size:8px;text-transform:uppercase;letter-spacing:.1em;color:#746d60}.narrow-line{height:45px;width:1px;background:rgba(29,29,27,.25);position:relative}.narrow-line:after{content:"";width:7px;height:7px;background:var(--black);border-radius:50%;position:absolute;bottom:0;left:-3px}.clarity-panel{border-radius:14px 76px 76px 14px;background:var(--coal);color:white;display:flex;flex-direction:column;justify-content:flex-end}.clarity-panel>img{position:absolute;width:260px;height:260px;object-fit:contain;right:-70px;top:-55px;opacity:.055}.clarity-panel h3{font-size:32px;line-height:1.2;margin:25px 0}.clarity-panel ul{list-style:none;padding:0;margin:0 0 35px}.clarity-panel li{padding:12px 0;border-top:1px solid rgba(255,255,255,.14);font-size:11px;color:rgba(255,255,255,.7)}.clarity-panel button{width:100%;height:55px;border:0;border-radius:28px;background:var(--gold);font-weight:700;font-size:10px}
.audiences{padding:125px 6vw;background:var(--ivory)}.audience-head{grid-template-columns:1fr .55fr}.visual-paths{display:grid;grid-template-columns:.9fr 1.05fr 1.15fr;gap:10px;margin-top:70px}.visual-path{height:680px;border-radius:68px 14px 68px 14px;padding:34px;position:relative;overflow:hidden;color:white;display:flex;flex-direction:column;justify-content:space-between;background-position:center;background-size:cover}.visual-path:before{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(18,17,15,.94) 0,rgba(18,17,15,.28) 55%,rgba(18,17,15,.1) 100%)}.personal-path{background-image:url('assets/insurance-point-hero-v2.png?v=20260909a')}.partner-path{background-image:url('assets/partner-programme.png?v=20260909a')}.enterprise-path{background-image:url('assets/enterprise-fleet-advisory.png?v=20260909a')}.visual-path>*{position:relative;z-index:1}.path-top{display:flex;justify-content:space-between;align-items:center}.path-top span{font-size:8px;letter-spacing:.14em}.path-top b{font-size:8px;color:var(--gold2);font-weight:500}.path-copy h3{font-size:clamp(31px,3vw,46px);font-weight:500;line-height:1.06;letter-spacing:-.05em;margin:0 0 18px}.path-copy p{font-size:12px;line-height:1.65;color:rgba(255,255,255,.66);max-width:430px;min-height:62px}.path-copy button{margin-top:22px;width:100%;height:58px;border:1px solid rgba(255,255,255,.35);border-radius:30px;background:rgba(20,20,18,.2);backdrop-filter:blur(12px);color:white;padding:0 20px;display:flex;align-items:center;justify-content:space-between;font-size:10px}.path-copy button i{font-style:normal;color:var(--gold)}.path-copy button:hover{background:var(--gold);color:var(--black)}.path-copy button:hover i{color:var(--black)}
.tech{padding:0 6vw 125px;background:var(--ivory);color:var(--black);display:grid;grid-template-columns:1.08fr .92fr;gap:10px}.tech:before{display:none}.technology-visual{height:750px;border-radius:78px 14px 14px 78px;position:relative;overflow:hidden}.technology-visual>img{width:100%;height:100%;object-fit:cover;object-position:65% center}.technology-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(15,15,14,.45),transparent 55%)}.human-badge{position:absolute;z-index:2;left:30px;bottom:30px;background:rgba(29,29,27,.86);color:white;border-radius:40px;padding:12px 22px 12px 12px;display:flex;align-items:center;gap:12px;backdrop-filter:blur(12px)}.human-badge img{width:38px;height:38px;object-fit:contain}.human-badge span{font-size:7px;letter-spacing:.12em;line-height:1.5}.technology-story{height:750px;border-radius:14px 78px 78px 14px;background:var(--coal);color:white;padding:55px;display:flex;flex-direction:column}.technology-story h2{font-size:clamp(44px,4.5vw,67px);line-height:1}.technology-story>p:not(.section-no){color:rgba(255,255,255,.55);line-height:1.7;max-width:560px}.service-journey{margin-top:35px}.service-journey button{width:100%;border:0;border-top:1px solid rgba(255,255,255,.14);background:transparent;color:white;padding:18px 0;display:grid;grid-template-columns:90px 1fr auto;text-align:left;align-items:center}.service-journey button>span{font-size:15px;font-weight:600}.service-journey button>small{color:rgba(255,255,255,.45)}.service-journey button>i{font-style:normal;color:var(--gold);font-size:8px}.service-journey button:hover{padding-left:12px;color:var(--gold2)}.technology-footer{margin-top:auto;padding-top:22px;border-top:1px solid rgba(255,255,255,.15);display:grid;grid-template-columns:85px 110px 1fr;align-items:end;gap:20px}.technology-footer div{display:grid}.technology-footer b{font-size:21px;color:var(--gold2)}.technology-footer span{font-size:7px;color:rgba(255,255,255,.42);text-transform:uppercase}.technology-footer>a{justify-self:end;border-radius:28px;background:var(--gold);color:var(--black);padding:15px 18px;font-size:9px;font-weight:700}.technology-footer>a i{font-style:normal;margin-left:15px}
@media(max-width:1000px){.decision-path{grid-template-columns:1fr 1fr}.need-panel{grid-row:span 2}.clarity-panel{grid-column:2}.visual-paths{grid-template-columns:1fr}.visual-path{height:580px}.tech{grid-template-columns:1fr}.technology-visual,.technology-story{height:690px;border-radius:65px 16px}.technology-story{height:auto;min-height:690px}}
@media(max-width:700px){.process{padding:85px 20px}.difference-head{grid-template-columns:1fr;gap:25px}.difference-head h2{font-size:53px}.decision-path{grid-template-columns:1fr;margin-top:45px}.decision-path>div{padding:30px}.need-panel{grid-row:auto;min-height:480px;border-radius:48px 12px}.narrowing-panel{min-height:540px;border-radius:48px 12px}.clarity-panel{grid-column:auto;min-height:500px;border-radius:48px 12px}.audiences{padding:85px 20px}.audience-head{grid-template-columns:1fr}.visual-paths{margin-top:45px}.visual-path{height:540px;border-radius:48px 12px}.tech{padding:0 20px 85px}.technology-visual{height:520px;border-radius:48px 12px}.technology-story{padding:35px 25px;border-radius:48px 12px;min-height:720px}.service-journey button{grid-template-columns:70px 1fr auto}.service-journey button small{font-size:8px}.technology-footer{grid-template-columns:1fr 1fr}.technology-footer>a{grid-column:1/-1;justify-self:stretch;text-align:center;margin-top:10px}}

/* Phase-one compact rhythm */
.intro{padding-bottom:90px}.process{padding-top:90px;padding-bottom:95px}.decision-path{min-height:540px;margin-top:55px}.audiences{padding-top:90px;padding-bottom:80px}.visual-paths{margin-top:50px}.visual-path{height:590px}.tech{padding-bottom:90px}.technology-visual,.technology-story{height:640px}.technology-story{padding:42px 46px}.technology-story h2{font-size:clamp(42px,4vw,60px)}.service-journey{margin-top:20px}.service-journey button{padding:15px 0}.technology-footer{padding-top:28px;margin-top:22px}.story{padding-top:90px;padding-bottom:45px}.final-cta{min-height:630px}.closing-art{height:450px}

/* Insurer relationship motion */
.insurer-network{background:var(--coal);color:white;padding:25px 0;display:grid;grid-template-columns:260px 1fr;align-items:center;overflow:hidden}.network-label{padding-left:6vw;display:grid;gap:5px}.network-label span{font-size:8px;letter-spacing:.15em;color:var(--gold)}.network-label small{font-size:7px;color:rgba(255,255,255,.35)}.insurer-marquee{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}.insurer-track{display:flex;width:max-content;animation:insurerFlow 32s linear infinite}.insurer-track>div{display:flex;align-items:center}.insurer-track b{min-width:145px;padding:0 25px;text-align:center;font-size:11px;color:rgba(255,255,255,.72)}.insurer-track i{font-style:normal;color:var(--gold);font-size:8px}@keyframes insurerFlow{to{transform:translateX(-50%)}}

/* Planning calculator */
.calculator-section{padding:95px 6vw;background:var(--gold2);display:grid;grid-template-columns:.75fr 1.25fr;gap:8vw;align-items:center}.calculator-intro h2,.insights-head h2{font-size:clamp(50px,5.4vw,78px);line-height:.98}.calculator-intro h2 em,.insights-head h2 em{color:var(--black)}.calculator-intro>p:not(.section-no){color:#6e675b;line-height:1.75;max-width:480px}.calculator-tabs{display:flex;flex-wrap:wrap;gap:7px;margin-top:32px}.calculator-tabs button{border:1px solid rgba(29,29,27,.22);border-radius:24px;background:transparent;padding:10px 15px;font-size:9px}.calculator-tabs button.active{background:var(--black);color:white}.calculator-card{background:var(--white);border-radius:70px 14px 70px 14px;padding:48px;display:grid;grid-template-columns:1fr .9fr;gap:45px;box-shadow:0 25px 70px rgba(56,45,25,.1)}.calc-form{display:flex;flex-direction:column;justify-content:center;gap:35px}.calc-form.hidden{display:none}.calc-form label{display:grid;grid-template-columns:1fr auto;gap:12px;font-size:9px;text-transform:uppercase;letter-spacing:.08em}.calc-form label span{color:#8a7647}.calc-form input[type=range]{grid-column:1/-1;width:100%;accent-color:var(--gold)}.calc-form select,.calc-form input[type=number]{grid-column:1/-1;border:0;border-bottom:1px solid var(--line);padding:12px 0;background:transparent;outline:0}.calc-result{background:var(--coal);color:white;border-radius:48px 10px 48px 10px;padding:32px;display:flex;flex-direction:column;justify-content:center}.calc-result>span{font-size:8px;letter-spacing:.12em;color:var(--gold)}.calc-result>strong{font-size:clamp(28px,3vw,45px);letter-spacing:-.05em;margin:18px 0}.calc-result>p{font-size:9px;line-height:1.6;color:rgba(255,255,255,.48)}.calc-result>button{border:1px solid rgba(255,255,255,.25);border-radius:25px;background:transparent;color:white;padding:13px 16px;margin-top:16px;font-size:9px;display:flex;justify-content:space-between}.calc-result>button i{color:var(--gold);font-style:normal}

/* Insights */
.insights{padding:95px 6vw;background:var(--white)}.insights-head{display:grid;grid-template-columns:1fr .65fr;gap:8vw;align-items:end}.insights-head>p{color:var(--muted);line-height:1.75}.article-grid{display:grid;grid-template-columns:1.2fr .9fr .9fr;gap:10px;margin-top:55px}.article-grid article{min-height:390px;padding:34px;border:1px solid var(--line);border-radius:60px 12px 60px 12px;display:flex;flex-direction:column}.article-grid article.feature-article{background:var(--coal);color:white;border:0}.article-grid article>span{font-size:8px;letter-spacing:.12em;color:var(--gold)}.article-grid h3{font-size:clamp(22px,2vw,31px);line-height:1.25;font-weight:500;letter-spacing:-.035em;margin:35px 0 18px}.article-grid p{color:var(--muted);line-height:1.7;font-size:11px}.feature-article p{color:rgba(255,255,255,.52)}.article-grid a,.article-grid button{margin-top:auto;border:0;border-top:1px solid var(--line);background:transparent;padding:18px 0 0;font-size:9px;display:flex;justify-content:space-between;text-align:left}.feature-article a{border-color:rgba(255,255,255,.15)}.article-grid i{font-style:normal;color:var(--gold)}
@media(max-width:1000px){.calculator-section{grid-template-columns:1fr}.calculator-card{grid-template-columns:1fr}.article-grid{grid-template-columns:1fr 1fr}.feature-article{grid-column:1/-1}.insurer-network{grid-template-columns:220px 1fr}}
@media(max-width:700px){.intro{padding-bottom:70px}.process{padding-top:75px;padding-bottom:75px}.audiences{padding-top:75px;padding-bottom:65px}.tech{padding-bottom:70px}.technology-visual{height:500px}.technology-story{min-height:670px}.insurer-network{grid-template-columns:1fr;gap:18px;padding:22px 0}.network-label{padding:0 20px}.calculator-section,.insights{padding:75px 20px}.calculator-card{padding:24px;border-radius:48px 10px}.calc-result{border-radius:38px 8px}.insights-head{grid-template-columns:1fr;gap:20px}.article-grid{grid-template-columns:1fr}.feature-article{grid-column:auto}.article-grid article{min-height:360px;border-radius:48px 10px}.story{padding-top:75px}.final-cta{min-height:600px}}
@media(prefers-reduced-motion:reduce){.insurer-track{animation:none}}

.story-preview{margin-top:18px;padding:24px 28px;border-top:1px solid rgba(27,26,23,.16);display:grid;grid-template-columns:210px 1fr auto;align-items:center;gap:28px}.story-preview>span{font-size:9px;font-weight:800;letter-spacing:.16em;color:var(--gold)}.story-preview p{margin:0;max-width:760px;font-size:15px;line-height:1.65}.story-preview button{border:0;background:var(--coal);color:var(--ivory);padding:15px 20px;border-radius:28px 28px 7px 28px;font:700 11px Manrope;cursor:pointer;white-space:nowrap}.story-preview i{font-style:normal;color:var(--gold);margin-left:8px}

@media(max-width:980px){.site-header nav{display:none!important}.site-header .nav-actions{display:none}.site-header .menu{display:block}.site-header nav.mobile-open{display:flex!important;position:absolute;top:86px;left:4vw;right:4vw;padding:28px;background:var(--ivory);border-radius:30px;flex-direction:column;align-items:flex-start;box-shadow:0 25px 60px rgba(0,0,0,.2)}.site-header.floating nav.mobile-open{top:78px;left:0;right:0}.site-header nav.mobile-open a{color:var(--charcoal)}.story-preview{grid-template-columns:1fr;gap:14px;align-items:start}.story-preview button{justify-self:start}}

/* Homepage service-system transition */
body:not(.inner-page) .calculator-section,body:not(.inner-page) .insights{display:none}
.insurer-network{margin:0 6vw;padding:34px 38px 30px;background:var(--ivory);color:var(--black);border-top:1px solid var(--line);display:grid;grid-template-columns:245px 1fr;gap:28px;border-radius:68px 68px 0 0}.network-label{padding:0}.network-label span{color:#76603b}.network-label small{color:var(--muted);line-height:1.5}.insurer-marquee{display:grid;gap:14px}.insurer-track b{min-width:max-content;padding:0 26px;color:#55524c;font-size:10px}.insurer-track.reverse{animation-direction:reverse;animation-duration:38s}.tech{padding-top:10px}.technology-visual{border-radius:0 14px 14px 78px}.technology-story{border-radius:14px 0 78px 14px}
@media(max-width:700px){.insurer-network{margin:0 20px;padding:28px 22px;grid-template-columns:1fr;border-radius:48px 48px 0 0}.technology-visual{border-radius:0 10px 10px 48px}.technology-story{border-radius:10px 0 48px 10px}}
@media(max-width:980px){.site-header nav.mobile-open a{color:var(--coal)}}

/* Final legibility polish: insurer motion and policy-desk footer */
.insurer-track b{padding:0 34px;font-size:13px;font-weight:700;letter-spacing:-.015em;color:#373631}.insurer-track i{font-size:10px}.insurer-marquee{gap:18px}.network-label span{font-size:10px;font-weight:800}.network-label small{font-size:8px;color:#777168}
.technology-footer{border-top:0;padding-top:18px}.technology-footer div{gap:4px}.technology-footer b{font-size:30px;line-height:1;font-weight:700;color:var(--gold2)}.technology-footer span{font-size:8px;line-height:1.4;letter-spacing:.07em;color:rgba(255,255,255,.62)}
@media(max-width:700px){.insurer-track b{padding:0 25px;font-size:12px}.technology-footer b{font-size:27px}.technology-footer span{font-size:7px}}

.technology-footer{grid-template-columns:1fr auto;align-items:center;gap:24px}.technology-footer>p{margin:0;max-width:300px;color:rgba(255,255,255,.58);font-size:9px;line-height:1.6;letter-spacing:.04em}.technology-footer>a{justify-self:end}
@media(max-width:700px){.technology-footer{grid-template-columns:1fr}.technology-footer>p{max-width:none}.technology-footer>a{grid-column:auto;justify-self:stretch;margin-top:6px}}

/* Homepage lock: narrow-screen containment */
html,body{max-width:100%;overflow-x:hidden}
@media(max-width:480px){.hero-content{left:22px;right:22px;max-width:none}.hero h1{font-size:43px;line-height:1.02;letter-spacing:-.06em}.hero-content>p:not(.overline){font-size:14px;max-width:330px}.brand-lockup{width:170px}.site-header .menu{width:38px;padding:4px}.site-header .menu i{width:23px;margin-left:auto;margin-right:0}}
@media(max-width:480px){.hero h1{font-size:39px;line-height:1.04}.site-header .menu{display:block!important;position:absolute;right:24px;top:23px;height:30px;z-index:5;background:transparent}.site-header .menu i{display:block;background:#fff;height:1px}.site-header.floating .menu{top:16px;right:22px}.site-header.floating .menu i{background:var(--coal)}}
@media(max-width:480px){.hero h1{font-size:clamp(34px,9.5vw,39px)}.site-header .menu{width:auto;color:#fff;font-size:8px;font-weight:800;letter-spacing:.14em}.site-header .menu:before{content:"MENU"}.site-header .menu i{display:none}.site-header.floating .menu{color:var(--coal)}}

/* Approved policy-desk footer treatment */
.technology-footer{margin-top:14px;padding:12px 12px 12px 18px;border:0;border-radius:30px;background:var(--ivory)}.technology-footer>p{color:var(--coal);font-size:10px;font-weight:650;line-height:1.5}.technology-footer>a{margin-left:14px;background:var(--gold);color:var(--coal);box-shadow:0 8px 22px rgba(0,0,0,.12)}
@media(max-width:700px){.technology-footer{margin-top:12px;padding:16px;border-radius:28px}.technology-footer>a{margin-left:0;margin-top:4px}}

/* Final narrow-screen safeguards */
@media(max-width:700px){
  .calculator-section,.insights,.calculator-intro,.calculator-card,.calc-form,.calc-result,.insights-head,.article-grid,.article-grid article{min-width:0;width:100%}
  .calculator-intro h2,.insights-head h2{font-size:clamp(38px,11.5vw,48px);overflow-wrap:anywhere}
  .calculator-intro>p,.insights-head>p,.article-grid h3,.article-grid p{overflow-wrap:anywhere}
  .calc-form select,.calc-form input,.calc-result{max-width:100%}
  .inner-page .header-frame{grid-template-columns:1fr auto}
  .inner-page .brand-lockup{max-width:170px}
}
@media(max-width:480px){
  .hero h1{font-size:clamp(32px,9vw,36px);line-height:1.05;max-width:100%}
  .hero-content{overflow-wrap:anywhere}
  .calculator-section,.insights{padding-left:18px;padding-right:18px}
  .calculator-card{padding:22px}
  .article-grid article{padding:28px}
}

/* High-density mobile photography */
@media(max-width:700px){
  .hero>picture{position:absolute;inset:0;display:block}
  .hero>picture .hero-img{inset:0;object-position:center center}
  .need-panel,.personal-path{background-image:linear-gradient(0deg,rgba(20,20,18,.9),rgba(20,20,18,.16)),url('assets/insurance-point-hero-mobile-v3-2x.jpg?v=20260909a')}
  .need-panel{background-position:center;background-size:cover}
  .personal-path{background-position:center;background-size:cover}
}

/* Dedicated utility pages */
.inner-page{background:var(--ivory)}.inner-page .site-header{position:relative;background:var(--coal)}.inner-page .header-frame{border-radius:0 0 46px 46px}.inner-page .calculator-section,.inner-page .insights{display:grid;min-height:calc(100vh - 100px);padding-top:90px}.inner-page .insights{display:block}.inner-page footer{margin-top:0}.inner-back{display:inline-flex;margin:28px 6vw 0;font-size:10px;font-weight:700;color:var(--muted)}

/* ============================================================
   2.0 LAYER — 21 Aug 2026
   Introduces Deep Service Teal per BRAND-BOOK.md, adds the legal
   page system, the sticky mobile contact bar, and accessibility
   fixes. This block is deliberately last in the cascade so its
   tokens override the five earlier :root declarations.
   Scheduled for consolidation — see CLAUDE.md.
   ============================================================ */

/* ---- 1. Authoritative token set ---- */
:root{
  --teal:#173F3A;          /* Deep Service Teal — primary authority */
  --teal-deep:#0E2B27;     /* darker ground for footers */
  --teal-mid:#2A5C55;      /* hover / secondary */
  --teal-pale:#E7EEEC;     /* tinted surface */
  --gold:#D6AA6B;          /* Point Gold — accent only */
  --gold2:#E8D2AD;         /* Warm Gold */
  --ivory:#F4F0E7;         /* Insurance Ivory */
  --paper:#FBFAF6;         /* Page surface */
  --black:#202220;         /* Charcoal — primary text */
  --coal:#202220;
  --muted:#6C6D67;         /* Stone — secondary text */
  --line:rgba(32,34,32,.15);
}

/* ---- 2. Teal on structural surfaces ---- */
footer{background:var(--teal-deep)}
.inner-page .site-header{background:var(--teal)}
.site-header.floating .section-signal i{color:var(--gold)}
.site-header.floating nav a.active{color:var(--teal)}
.header-progress i{background:var(--gold)}
.tech{background:var(--teal-deep)}
.need-panel{background-color:var(--teal-deep)}

/* ---- 3. Accessibility: visible focus everywhere ---- */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
[tabindex]:focus-visible{
  outline:3px solid var(--gold);
  outline-offset:3px;
  border-radius:4px;
}
.inner-page a:focus-visible,
.inner-page button:focus-visible{outline-color:var(--teal)}

/* ---- 4. Tap targets — WCAG 2.5.8 / Google mobile-friendly ---- */
@media(max-width:900px){
  .menu{min-width:44px;min-height:44px;display:flex!important;flex-direction:column;
        align-items:flex-end;justify-content:center;padding:8px}
  .cover-options button{min-height:44px;padding:10px 16px}
  .footer-body a{display:inline-block;min-height:44px;line-height:44px}
  .article-grid a,.story-preview button,.text-btn{min-height:44px;display:inline-flex;align-items:center}
  .hero-buttons a{min-height:44px;display:inline-flex;align-items:center}
}

/* ---- 5. Six categories visible at once on mobile ----
   Replaces the horizontal scroll strip that hid four of six. */
@media(max-width:760px){
  .cover-switcher{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:8px;
    overflow:visible;
    scrollbar-width:none;
  }
  .cover-switcher::-webkit-scrollbar{display:none}
  .cover-switcher button{
    min-width:0;min-height:76px;
    flex-direction:column;justify-content:center;gap:6px;
    padding:10px 4px;
  }
  .cover-switcher button svg{width:22px;height:22px}
  .cover-switcher button span{font-size:11px}
}
@media(max-width:400px){
  .cover-switcher{grid-template-columns:repeat(2,1fr)}
}

/* ---- 6. Sticky mobile contact bar ---- */
.mobile-contact-bar{display:none}
@media(max-width:900px){
  .mobile-contact-bar{
    display:grid;
    grid-template-columns:1.6fr 1fr;
    gap:1px;
    position:fixed;left:0;right:0;bottom:0;
    z-index:80;
    background:var(--line);
    box-shadow:0 -6px 24px rgba(14,43,39,.18);
    padding-bottom:env(safe-area-inset-bottom,0);
  }
  .mobile-contact-bar a{
    display:flex;align-items:center;justify-content:center;gap:9px;
    min-height:56px;padding:0 12px;
    font-family:var(--sans);font-size:14px;font-weight:600;
    text-decoration:none;letter-spacing:.01em;
  }
  .mobile-contact-bar svg{width:19px;height:19px;fill:currentColor;flex-shrink:0}
  .mcb-call{background:var(--teal);color:#fff}
  .mcb-wa{background:var(--gold);color:var(--black)}
  .mcb-call:active{background:var(--teal-mid)}
  body{padding-bottom:56px}
}

/* ---- 7. Legal / content page system ---- */
.legal{
  max-width:820px;
  margin:0 auto;
  padding:26px 22px 90px;
}
.legal-head{padding-bottom:28px;margin-bottom:34px;border-bottom:1px solid var(--line)}
.legal-head .section-no{color:var(--gold);margin-bottom:14px}
.legal h1{
  font-family:var(--serif);
  font-size:clamp(32px,6vw,50px);
  font-weight:600;line-height:1.06;letter-spacing:-.03em;
  color:var(--teal);margin:0;
  text-wrap:balance;
}
.legal-lede{
  margin-top:18px;font-size:clamp(16px,2.2vw,18.5px);
  line-height:1.6;color:var(--muted);max-width:60ch;
}
.legal-dates{margin-top:16px;font-size:13px;color:var(--muted)}
.legal-dates b{color:var(--black);font-weight:600}

.legal-body{font-size:16px;line-height:1.72;color:#33372F}
.legal-body h2{
  font-family:var(--serif);
  font-size:clamp(21px,3vw,26px);font-weight:600;
  color:var(--teal);letter-spacing:-.02em;
  margin:44px 0 12px;padding-top:22px;
  border-top:1px solid var(--line);
}
.legal-body h2:first-child{border-top:0;padding-top:0;margin-top:0}
.legal-body h3{
  font-family:var(--sans);font-size:16.5px;font-weight:700;
  color:var(--black);margin:26px 0 8px;
}
.legal-body p{margin:0 0 14px;max-width:66ch}
.legal-body ul{margin:0 0 16px;padding-left:22px;max-width:66ch}
.legal-body li{margin-bottom:8px}
.legal-body li::marker{color:var(--gold)}
.legal-body a{color:var(--teal);text-underline-offset:3px}
.legal-body a:hover{color:var(--teal-mid)}
.legal-body b{font-weight:600;color:var(--black)}

.legal-body .tbl-scroll{
  overflow-x:auto;margin:0 0 20px;
  border:1px solid var(--line);border-radius:12px;background:var(--paper);
}
.legal-body table{border-collapse:collapse;width:100%;min-width:460px;font-size:15px}
.legal-body th,.legal-body td{
  text-align:left;padding:12px 16px;
  border-bottom:1px solid var(--line);vertical-align:top;
}
.legal-body thead th{
  background:var(--teal-pale);color:var(--teal);
  font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;
}
.legal-body tbody th{width:34%;font-weight:600;color:var(--black);background:rgba(231,238,236,.45)}
.legal-body tr:last-child td,.legal-body tr:last-child th{border-bottom:0}

.legal-body .contact-block{
  background:var(--teal-pale);border-left:3px solid var(--teal);
  border-radius:0 12px 12px 0;padding:18px 22px;margin-bottom:18px;
}
.legal-body .contact-block ul{margin:0;padding-left:20px}
.legal-body .note-line{
  border-left:3px solid var(--gold);background:rgba(232,210,173,.22);
  border-radius:0 10px 10px 0;padding:14px 18px;font-size:15px;
}

/* Unfilled placeholders — deliberately impossible to miss.
   DEPLOY.md lists every one; none may ship. */
.todo{
  background:#FFE9A8;color:#7A5200;
  border:1px dashed #C89A2B;border-radius:4px;
  padding:1px 7px;font-weight:600;font-size:.92em;
  font-family:var(--sans);
}
.todo-block{
  display:block;background:#FFF6DC;border:1px dashed #C89A2B;
  border-radius:10px;padding:16px 18px;color:#6B4A00;font-size:15px;
}

/* 404 */
.notfound .nf-links{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.notfound .nf-links a{
  display:block;background:var(--paper);border:1px solid var(--line);
  border-radius:14px;padding:18px 20px;text-decoration:none;
  transition:border-color .2s ease,transform .2s ease;
}
.notfound .nf-links a:hover{border-color:var(--teal);transform:translateY(-2px)}
.notfound .nf-links b{display:block;color:var(--teal);font-weight:700;font-size:16px;margin-bottom:3px}
.notfound .nf-links span{color:var(--muted);font-size:14px}
@media(max-width:600px){.notfound .nf-links{grid-template-columns:1fr}}

@media(prefers-reduced-motion:reduce){
  .notfound .nf-links a{transition:none}
  .notfound .nf-links a:hover{transform:none}
}

/* Footer gained a LEGAL column */
.footer-body{grid-template-columns:1.4fr repeat(5,1fr)}
@media(max-width:1000px){.footer-body{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.footer-body{grid-template-columns:1fr}}

/* Remaining sub-44px tap targets */
@media(max-width:900px){
  .technology-footer a,
  .closing-actions a{min-height:44px;display:inline-flex;align-items:center;flex-wrap:wrap}
}

/* ============================================================
   MOBILE LEGIBILITY & TAP TARGETS — 21 Aug 2026
   Reported from a real phone:
     1. Footer CONTACT / EXPLORE / LEGAL links ran together on one
        line instead of stacking, so they were hard to tell apart.
     2. The header menu control had shrunk to an 8px "MENU" word.
     3. The open menu list was 10px text with no row separation.
   Appended last so it beats the earlier patch blocks.
   ============================================================ */

/* ---- Footer link columns ---- */
@media(max-width:900px){
  /* Section 4 above set display:inline-block, which let these anchors
     flow inline and wrap into one run-on block. Flex is block-level,
     so each link takes its own row; width:max-content keeps the gold
     hover underline tight to the text rather than spanning the column. */
  .footer-body a{
    display:flex;
    align-items:center;
    width:max-content;
    max-width:100%;
    min-height:44px;
    line-height:1.35;
    font-size:15px;
  }
  .footer-body{gap:34px 6vw}
  .footer-body>div>span{font-size:10px;margin-bottom:12px}
  .footer-body>div>p{font-size:15px;line-height:1.6}

  /* 8px legal text is unreadable on a phone. */
  footer>small{font-size:11px;line-height:1.6}
}

/* ---- Header menu control ----
   Keeps the "MENU" wordmark the design settled on, but at a size a
   person can actually read, inside a full 44x44 target. */
@media(max-width:480px){
  .site-header .menu{
    width:auto;
    min-width:44px;
    min-height:44px;
    height:auto;
    padding:8px 4px;
    font-size:12px;
    font-weight:800;
    letter-spacing:.14em;
    align-items:flex-end;
    justify-content:center;
  }
}

/* ---- Open menu list ----
   Was inheriting the 10px desktop nav size with no row separation.
   Full-width rows with hairline dividers make each item an obvious,
   separately tappable target. */
@media(max-width:980px){
  .site-header nav.mobile-open{
    gap:0;
    padding:8px 22px;
  }
  .site-header nav.mobile-open a{
    display:flex;
    align-items:center;
    width:100%;
    min-height:52px;
    padding:0;
    font-size:16px;
    font-weight:600;
    letter-spacing:0;
    border-bottom:1px solid rgba(0,0,0,.09);
  }
  .site-header nav.mobile-open a:last-child{border-bottom:0}
}

/* ---- Standalone controls still under 44px on inner pages ----
   Found by measuring every page at 360px, not just the homepage.
   Inline links inside a sentence ("see licence details") are left
   alone on purpose: WCAG 2.5.8 exempts links in a block of text,
   and padding them out would wreck the line spacing of the prose. */
@media(max-width:900px){
  .inner-back{min-height:44px;align-items:center;font-size:12px}
  .calculator-tabs button{min-height:44px;padding:10px 16px}
  .legal table a{display:inline-flex;align-items:center;min-height:44px}
}

@media(max-width:900px){
  .calc-result a{display:inline-flex;align-items:center;gap:8px;min-height:44px}
}

/* ---- Footer office location card ---- */
.footer-visit{min-width:220px}
.footer-body .office-map{
  width:100%;max-width:285px;min-height:164px;
  display:flex;align-items:flex-start;gap:14px;
  padding:18px;border:1px solid rgba(255,255,255,.14);
  border-radius:26px 8px 26px 26px;
  background:rgba(255,255,255,.055);
  color:#fff;line-height:1.35;
  transition:background .2s ease,border-color .2s ease,transform .2s ease;
}
.footer-body .office-map:hover{
  border-color:rgba(214,170,107,.72);background:rgba(255,255,255,.09);
  transform:translateY(-2px);
}
.office-map-icon{
  width:42px;height:42px;flex:0 0 42px;padding:10px;
  border-radius:50%;background:var(--gold);color:var(--teal-deep);
  fill:none;stroke:currentColor;stroke-width:1.8;
}
.office-map-copy{display:flex;min-width:0;flex-direction:column;gap:7px}
.office-map-copy b{font-size:15px;font-weight:700;color:#fff}
.office-map-copy small{font-size:12px;line-height:1.55;color:rgba(255,255,255,.65)}
.office-map-copy em{
  margin-top:4px;font-size:10px;font-weight:800;font-style:normal;
  letter-spacing:.08em;text-transform:uppercase;color:var(--gold2);
}
.office-map-copy i{margin-left:5px;font-style:normal}
.footer-landline{color:rgba(255,255,255,.78)!important}
@media(max-width:1000px){.footer-visit{min-width:0}.footer-body .office-map{max-width:330px}}
@media(max-width:600px){
  .footer-body .office-map{width:100%;max-width:none;min-height:0;padding:18px;line-height:1.35}
  .office-map-copy small{font-size:14px}
}
@media(prefers-reduced-motion:reduce){.footer-body .office-map{transition:none}.footer-body .office-map:hover{transform:none}}

/* ---- Advertising-phase contact choice ---- */
.contact-choice{padding:58px 52px;display:flex;flex-direction:column;justify-content:center}
.contact-choice .step-label{margin:0 0 20px;color:var(--gold);font-size:9px;font-weight:800;letter-spacing:.18em}
.contact-choice h2{font-size:clamp(36px,4vw,58px);line-height:1.02;color:var(--teal);max-width:520px}
.contact-choice>p:not(.step-label){margin:20px 0 0;color:var(--muted);font-size:15px;line-height:1.65}
.contact-choice-actions{display:grid;gap:12px;margin:34px 0 18px}
.contact-choice-actions>a{display:grid;grid-template-columns:46px 1fr auto;align-items:center;gap:14px;min-height:82px;padding:14px 18px;border-radius:26px 8px 26px 26px}
.contact-choice-actions svg{width:24px;height:24px;fill:currentColor;justify-self:center}
.contact-choice-actions span{display:grid;gap:3px}.contact-choice-actions b{font-size:15px}.contact-choice-actions small{font-size:11px;opacity:.7}.contact-choice-actions i{font-style:normal;font-size:18px}
.contact-choice-wa{background:var(--teal);color:#fff}.contact-choice-call{border:1px solid var(--line);background:var(--paper);color:var(--black)}
.contact-choice>small{color:var(--muted);font-size:11px;line-height:1.5}
@media(max-width:700px){.contact-choice{padding:48px 24px 32px}.contact-choice h2{font-size:39px}.contact-choice-actions>a{min-height:78px}}

/* ---- Thank-you conversion handoff page ---- */
.thank-you-page{min-height:100vh;background:var(--teal-deep);color:#fff;padding-bottom:0}
.thank-you-header{height:92px;padding:18px 6vw;display:flex;align-items:center;border-bottom:1px solid rgba(255,255,255,.1)}
.thank-you-header img{width:230px;height:55px;object-fit:contain;object-position:left center}
.thank-you-main{min-height:calc(100vh - 92px);display:grid;place-items:center;padding:55px 22px;position:relative;overflow:hidden}
.thank-you-main:before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-180px;bottom:-220px;background:rgba(214,170,107,.08)}
.thank-you-card{position:relative;z-index:1;width:min(680px,100%);padding:58px;border:1px solid rgba(255,255,255,.14);border-radius:58px 14px 58px 58px;background:rgba(255,255,255,.055);box-shadow:0 35px 80px rgba(0,0,0,.18)}
.thank-you-mark{width:58px;height:58px;display:grid;place-items:center;border-radius:50%;background:var(--gold);color:var(--teal-deep);font-size:20px}
.thank-you-card .section-no{margin:28px 0 14px;color:var(--gold2)}
.thank-you-card h1{font-size:clamp(42px,7vw,72px);line-height:.98;color:#fff}
.thank-you-card>p{max-width:520px;margin:22px 0 0;color:rgba(255,255,255,.68);font-size:16px;line-height:1.7}
.thank-you-actions{display:flex;align-items:center;gap:20px;margin-top:34px;flex-wrap:wrap}
.thank-you-actions .primary{min-height:54px;padding:0 24px;display:inline-flex;align-items:center;border-radius:28px 8px 28px 28px;background:var(--gold);color:var(--teal-deep);font-size:13px;font-weight:800}
.thank-you-actions .secondary{min-height:44px;display:inline-flex;align-items:center;color:rgba(255,255,255,.72);font-size:12px}
#contact-handoff-status{font-size:12px;color:var(--gold2)}
@media(max-width:600px){.thank-you-header{height:78px;padding-inline:22px}.thank-you-header img{width:195px}.thank-you-main{min-height:calc(100vh - 78px);padding:24px 16px}.thank-you-card{padding:38px 26px;border-radius:44px 10px 44px 44px}.thank-you-actions{align-items:stretch;flex-direction:column}.thank-you-actions a{justify-content:center}}

/* ============================================================
   JOURNAL — editorial hub and long-form article system
   ============================================================ */
.journal-page{background:var(--ivory)}
.journal-page .site-header{position:relative;background:var(--ivory);padding-top:0}
.journal-page .header-frame{border-radius:0 0 42px 42px;background:var(--teal);box-shadow:none}
.journal-page .header-frame nav a,.journal-page .section-signal{color:#fff}
.journal-page .menu i{background:#fff}
.journal-hero{padding:86px 6vw 58px;display:grid;grid-template-columns:1.05fr .95fr;gap:8vw;align-items:end}
.journal-kicker{font-size:10px;font-weight:800;letter-spacing:.18em;color:var(--gold);text-transform:uppercase}
.journal-hero h1{margin:18px 0 0;font-size:clamp(54px,7vw,108px);line-height:.9;color:var(--teal)}
.journal-hero h1 em{display:block;color:var(--black);font-family:var(--serif);font-style:italic}
.journal-hero-copy{max-width:550px;padding-bottom:8px}
.journal-hero-copy p{font-size:18px;line-height:1.75;color:var(--muted)}
.journal-hero-copy small{display:block;margin-top:18px;padding-top:18px;border-top:1px solid var(--line);font-size:11px;line-height:1.6;color:var(--muted)}
.journal-feature{margin:0 6vw;display:grid;grid-template-columns:1.15fr .85fr;min-height:570px;border-radius:72px 16px 72px 16px;overflow:hidden;background:var(--teal-deep);color:#fff}
.journal-feature-media{min-height:480px;overflow:hidden}.journal-feature-media img{width:100%;height:100%;object-fit:cover}
.journal-feature-copy{padding:55px;display:flex;flex-direction:column;justify-content:center}
.journal-meta{font-size:9px;font-weight:800;letter-spacing:.15em;text-transform:uppercase;color:var(--gold2)}
.journal-feature h2{margin:26px 0 20px;font-size:clamp(38px,4.2vw,64px);line-height:1.01;color:#fff}
.journal-feature p{font-size:15px;line-height:1.75;color:rgba(255,255,255,.66)}
.journal-read{display:inline-flex;align-items:center;gap:22px;width:max-content;min-height:48px;margin-top:24px;padding:0 20px;border-radius:25px 7px 25px 25px;background:var(--gold);color:var(--teal-deep);font-size:11px;font-weight:800}
.journal-grid{padding:72px 6vw 105px;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.journal-card{min-width:0;border-radius:42px 10px 42px 42px;overflow:hidden;background:var(--paper);border:1px solid var(--line);display:flex;flex-direction:column}
.journal-card-media{height:260px;overflow:hidden}.journal-card-media img{width:100%;height:100%;object-fit:cover;transition:transform .45s ease}.journal-card:hover img{transform:scale(1.025)}
.journal-card-copy{padding:28px;display:flex;flex:1;flex-direction:column}.journal-card h2{margin:18px 0 14px;font-size:27px;line-height:1.15;color:var(--teal)}
.journal-card p{font-size:13px;line-height:1.7;color:var(--muted)}.journal-card .journal-read{margin-top:auto;background:transparent;padding:0;color:var(--teal);border-top:1px solid var(--line);border-radius:0;width:100%;justify-content:space-between}

.article-page{background:var(--paper)}
.article-page .site-header{position:relative;background:var(--paper)}
.article-page .header-frame{border-radius:0 0 42px 42px;background:var(--teal)}
.article-page .header-frame nav a,.article-page .section-signal{color:#fff}.article-page .menu i{background:#fff}
.article-shell{max-width:1160px;margin:0 auto;padding:70px 22px 110px}
.article-breadcrumbs{display:flex;gap:9px;align-items:center;font-size:11px;color:var(--muted);margin-bottom:42px}.article-breadcrumbs a{color:var(--teal);font-weight:700}
.article-head{max-width:900px}.article-head h1{margin:18px 0 22px;font-size:clamp(48px,7vw,88px);line-height:.98;color:var(--teal)}
.article-deck{max-width:760px;font-size:20px;line-height:1.6;color:var(--muted)}
.article-byline{margin-top:26px;padding-top:20px;border-top:1px solid var(--line);font-size:12px;color:var(--muted)}
.article-hero-image{width:100%;height:min(61vw,650px);margin:46px 0 55px;border-radius:70px 14px 70px 14px;object-fit:cover}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) 250px;gap:80px;align-items:start}
.article-body{font-size:18px;line-height:1.82;color:#343832}.article-body>p:first-child{font-size:22px;color:var(--teal)}
.article-body h2{margin:52px 0 16px;font-size:35px;line-height:1.12;color:var(--teal)}
.article-body h3{margin:32px 0 10px;font-size:21px;color:var(--black)}
.article-body ul{padding-left:22px}.article-body li{margin-bottom:10px}.article-body li::marker{color:var(--gold)}
.article-callout{margin:36px 0;padding:28px;border-left:4px solid var(--gold);border-radius:0 24px 24px 0;background:var(--teal-pale)}
.article-callout b{display:block;margin-bottom:7px;color:var(--teal)}
.article-sources{margin-top:60px;padding-top:30px;border-top:1px solid var(--line)}.article-sources h2{margin-top:0;font-size:25px}.article-sources a{color:var(--teal);text-decoration:underline;text-underline-offset:3px}
.article-aside{position:sticky;top:28px;padding:24px;border-radius:28px 8px 28px 28px;background:var(--teal-deep);color:#fff}
.article-aside span{font-size:9px;letter-spacing:.15em;color:var(--gold2)}.article-aside p{font-size:12px;line-height:1.65;color:rgba(255,255,255,.68)}.article-aside a{display:flex;align-items:center;min-height:46px;margin-top:16px;padding:0 16px;border-radius:24px 7px 24px 24px;background:var(--gold);color:var(--teal-deep);font-size:11px;font-weight:800}
.article-disclaimer{margin-top:55px;font-size:12px;line-height:1.65;color:var(--muted)}
@media(max-width:980px){.journal-hero,.journal-feature{grid-template-columns:1fr}.journal-feature{min-height:0}.journal-feature-copy{padding:42px}.journal-grid{grid-template-columns:1fr 1fr}.article-layout{grid-template-columns:1fr}.article-aside{position:relative;top:auto;max-width:520px}}
@media(max-width:650px){.journal-hero{padding:60px 20px 38px;gap:24px}.journal-hero-copy p{font-size:16px}.journal-feature{margin-inline:20px;border-radius:48px 10px 48px 10px}.journal-feature-media{min-height:310px}.journal-feature-copy{padding:32px 25px}.journal-grid{padding:50px 20px 80px;grid-template-columns:1fr}.journal-card-media{height:240px}.article-shell{padding:45px 18px 85px}.article-head h1{font-size:44px}.article-deck{font-size:17px}.article-hero-image{height:65vw;min-height:300px;margin:34px 0 42px;border-radius:46px 9px 46px 9px}.article-body{font-size:17px}.article-body>p:first-child{font-size:20px}.article-body h2{font-size:30px}}
@media(prefers-reduced-motion:reduce){.journal-card-media img{transition:none}.journal-card:hover img{transform:none}}
.calculator-intro h1{font-size:clamp(44px,5vw,72px);line-height:1.02;color:var(--teal);margin:0}
.calculator-intro h1 em{color:var(--black);font-family:var(--serif);font-style:italic}
@media(max-width:700px){.calculator-intro h1{font-size:clamp(38px,11.5vw,48px);overflow-wrap:anywhere}}

/* Final inner-page header and footer polish */
.inner-page .header-call,.journal-page .header-call{border-right:1px solid rgba(255,255,255,.25);border-radius:28px}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;gap:24px;border-top:1px solid rgba(255,255,255,.09);padding-top:22px;color:rgba(255,255,255,.48);font-size:10px;line-height:1.5}
.footer-bottom nav{display:flex;align-items:center;gap:22px}.footer-bottom a{color:rgba(255,255,255,.72)}.footer-bottom a:hover{color:#fff}
.thank-you-header{justify-content:space-between;gap:24px}
.thank-you-home{display:inline-flex;align-items:center;min-height:44px;padding:0 18px;border:1px solid rgba(255,255,255,.28);border-radius:24px;color:#fff;font-size:11px;font-weight:700}
@media(max-width:700px){.footer-bottom{align-items:flex-start;flex-direction:column;gap:12px}.footer-bottom nav{gap:16px;flex-wrap:wrap}.thank-you-home{padding-inline:14px;font-size:10px}}

/* Footer copyright and legal links share one clear visual level. */
.footer-bottom span,.footer-bottom a{color:#fff!important;font-size:13px!important;font-weight:600!important;line-height:1.5}
.footer-bottom b{font:inherit;color:inherit!important}

/* Homepage FAQ */
.faq-section{padding:105px 6vw;background:var(--ivory);display:grid;grid-template-columns:minmax(300px,.8fr) minmax(0,1.2fr);gap:9vw;align-items:start}
.faq-intro{position:sticky;top:110px}.faq-intro h2{margin:22px 0 25px;font-size:clamp(52px,6vw,86px);line-height:.94;color:var(--teal)}.faq-intro h2 em{font-family:var(--serif);font-weight:400;color:var(--black)}
.faq-intro>p:not(.section-no){max-width:470px;color:var(--muted);font-size:15px;line-height:1.75}.faq-intro>a{display:inline-flex;align-items:center;gap:24px;min-height:50px;margin-top:25px;padding:0 20px;border-radius:26px 8px 26px 26px;background:var(--gold);color:var(--teal-deep);font-size:11px;font-weight:800}
.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{list-style:none;cursor:pointer;min-height:82px;display:grid;grid-template-columns:1fr 32px;gap:20px;align-items:center;color:var(--teal);font-size:18px;font-weight:700;line-height:1.35}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{width:30px;height:30px;border:1px solid rgba(23,63,58,.2);border-radius:50%;display:grid;place-items:center;font-size:18px;font-weight:400;transition:transform .25s ease,background .25s ease}.faq-list details[open] summary span{transform:rotate(45deg);background:var(--gold);border-color:var(--gold)}.faq-list details p{max-width:720px;margin:0;padding:0 52px 28px 0;color:var(--muted);font-size:14px;line-height:1.8}
@media(max-width:900px){.faq-section{grid-template-columns:1fr;gap:48px;padding:80px 24px}.faq-intro{position:static}.faq-intro h2{font-size:52px}.faq-list summary{min-height:76px;font-size:16px}}
@media(max-width:520px){.faq-section{padding-inline:20px}.faq-intro h2{font-size:44px}.faq-list summary{grid-template-columns:1fr 30px;gap:12px}.faq-list details p{padding-right:0}}

/* ============================================================
   RELATED READING  —  added 4 Sep 2026
   Sibling links between journal articles. Before this the four
   articles linked only up to the hub and home, so the cluster had
   no lateral connections at all.
   ============================================================ */
.article-related{margin-top:52px;padding-top:28px;border-top:1px solid var(--line)}
.article-related h2{margin:0 0 20px;font-size:25px}
.article-related ul{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.article-related li{margin:0}
.article-related a{display:grid;gap:5px;padding:18px 20px;border:1px solid var(--line);border-radius:22px 6px 22px 22px;text-decoration:none;transition:border-color .25s ease,background .25s ease}
.article-related a:hover,.article-related a:focus-visible{border-color:var(--teal);background:rgba(23,63,58,.03)}
.article-related a b{color:var(--teal);font-size:15px;font-weight:800;line-height:1.35}
.article-related a span{color:var(--muted);font-size:13px;line-height:1.6}
@media(max-width:650px){.article-related a{padding:16px 17px}.article-related h2{font-size:22px}}

/* ============================================================
   CALCULATOR EXPLAINER  —  added 4 Sep 2026
   The page was 189 words with no subheadings: a working tool and
   nothing for a search engine or a first-time visitor to read.
   This is the method behind each estimate, and its limits.
   ============================================================ */
.calc-explainer{padding:0 40px 100px;background:var(--paper)}
.calc-explainer-inner{max-width:760px;margin:0 auto;padding-top:70px;border-top:1px solid var(--line)}
.calc-explainer h2{margin:0 0 18px;font-size:clamp(30px,4vw,42px);line-height:1.08;color:var(--teal)}
.calc-explainer h2:not(:first-child){margin-top:64px}
.calc-explainer h3{margin:46px 0 14px;font-size:20px;font-weight:800;color:var(--teal)}
.calc-explainer p{margin:0 0 16px;font-size:16px;line-height:1.75;color:var(--muted)}
.calc-explainer p.calc-lede{font-size:18px;line-height:1.7;color:var(--black)}
.calc-explainer b{color:var(--black);font-weight:800}
.calc-explainer a{color:var(--teal);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.calc-explainer ul{margin:0 0 16px;padding-left:22px}
.calc-explainer li{margin:0 0 10px;font-size:16px;line-height:1.7;color:var(--muted)}
.calc-table-wrap{overflow-x:auto;margin:0 0 18px;border:1px solid var(--line);border-radius:20px 6px 20px 20px}
.calc-table{border-collapse:collapse;width:100%;min-width:420px;font-size:14px}
.calc-table th{text-align:left;padding:13px 18px;background:rgba(23,63,58,.05);color:var(--teal);font-size:11px;letter-spacing:.08em;text-transform:uppercase;font-weight:800;border-bottom:1px solid var(--line)}
.calc-table td{padding:12px 18px;border-bottom:1px solid var(--line);color:var(--muted);font-variant-numeric:tabular-nums}
.calc-table tr:last-child td{border-bottom:0}
@media(max-width:650px){.calc-explainer{padding:0 20px 70px}.calc-explainer-inner{padding-top:50px}.calc-explainer h3{font-size:18px;margin-top:38px}.calc-explainer p,.calc-explainer li{font-size:15px}}

/* Disclosures link inside the market-context note (added 4 Sep 2026) */
.network-label small a{color:var(--teal);font-weight:800;text-decoration:underline;text-underline-offset:2px}

/* ============================================================
   SERVICE / PILLAR PAGES  —  added 4 Sep 2026
   The commercial pages the site previously did not have. Shares the
   inner-page header, footer and FAQ system; everything below is the
   page body between them.
   ============================================================ */
main.service{max-width:1180px;margin:0 auto;padding:32px 40px 0}
main.service .article-breadcrumbs{margin-bottom:34px}

.service-head{max-width:820px;padding-bottom:52px;border-bottom:1px solid var(--line)}
.service-head h1{margin:16px 0 22px;font-size:clamp(42px,6vw,74px);line-height:.98;letter-spacing:-.02em;color:var(--teal)}
.service-lede{max-width:62ch;font-size:19px;line-height:1.68;color:var(--black)}
.service-note{margin-top:22px;font-size:12px;letter-spacing:.04em;color:var(--muted)}

.service-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.service-cta,.service-cta-alt{display:inline-flex;align-items:center;gap:14px;min-height:52px;padding:0 26px;border-radius:28px 8px 28px 28px;font-size:13px;font-weight:800;letter-spacing:.02em;text-decoration:none;cursor:pointer}
.service-cta{background:var(--gold);color:var(--teal-deep)}
.service-cta:hover,.service-cta:focus-visible{background:var(--gold2)}
.service-cta-alt{background:transparent;color:var(--teal);border:1px solid rgba(23,63,58,.3)}
.service-cta-alt:hover,.service-cta-alt:focus-visible{border-color:var(--teal);background:rgba(23,63,58,.04)}

.service-body{max-width:760px;padding:54px 0 100px}
.service-body h2{margin:58px 0 18px;font-size:clamp(28px,3.6vw,38px);line-height:1.1;letter-spacing:-.015em;color:var(--teal)}
.service-body h2:first-child{margin-top:0}
.service-body p{margin:0 0 16px;font-size:16px;line-height:1.78;color:var(--muted)}
.service-body b{color:var(--black);font-weight:800}
.service-body a{color:var(--teal);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.service-body ul{margin:0 0 18px;padding-left:22px}
.service-body ul li{margin:0 0 11px;font-size:16px;line-height:1.72;color:var(--muted)}

.service-steps{margin:0 0 18px;padding-left:0;list-style:none;counter-reset:step}
.service-steps li{position:relative;counter-increment:step;margin:0 0 16px;padding:18px 22px 18px 62px;border:1px solid var(--line);border-radius:24px 6px 24px 24px;font-size:15px;line-height:1.7;color:var(--muted)}
.service-steps li::before{content:counter(step,decimal-leading-zero);position:absolute;left:22px;top:19px;font-size:12px;font-weight:800;color:var(--gold)}

.service-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:0 0 18px}
.service-grid div{padding:20px 22px;border:1px solid var(--line);border-radius:24px 6px 24px 24px}
.service-grid b{display:block;margin-bottom:7px;font-size:15px;font-weight:800;color:var(--teal)}
.service-grid span{font-size:14px;line-height:1.65;color:var(--muted)}

.service-caveat{padding:18px 22px;border-left:3px solid var(--gold);background:var(--teal-pale);border-radius:0 18px 18px 0;font-size:15px!important}

.service-faq{margin-top:8px;border-top:1px solid var(--line)}
.service-faq summary{min-height:70px;font-size:16px}
.service-faq details p{padding-right:40px;font-size:14px}

.service-close{margin-top:64px;padding:38px 34px;border-radius:40px 10px 40px 40px;background:var(--teal);color:#fff}
.service-close h2{margin:0 0 14px;color:#fff;font-size:clamp(26px,3.2vw,34px)}
.service-close p{color:rgba(255,255,255,.76);font-size:16px}
.service-close .service-cta-alt{color:#fff;border-color:rgba(255,255,255,.35)}
.service-close .service-cta-alt:hover,.service-close .service-cta-alt:focus-visible{border-color:#fff;background:rgba(255,255,255,.08)}

main.service .article-related{margin-top:64px}

@media(max-width:900px){.service-grid{grid-template-columns:1fr}}
@media(max-width:650px){
  main.service{padding:24px 20px 0}
  .service-head{padding-bottom:38px}
  .service-lede{font-size:17px}
  .service-body{padding:40px 0 70px}
  .service-body h2{margin:44px 0 14px}
  .service-body p,.service-body ul li{font-size:15px}
  .service-steps li{padding:16px 18px 16px 54px}
  .service-steps li::before{left:18px;top:17px}
  .service-close{padding:30px 24px;border-radius:34px 9px 34px 34px}
  .service-cta,.service-cta-alt{width:100%;justify-content:space-between}
}

/* The .service-body link underline must not reach the buttons and the
   related-reading cards, which are blocks rather than inline links. */
.service-body .service-cta,
.service-body .service-cta-alt,
.service-body .article-related a{text-decoration:none}
.service-body .article-related a b{font-weight:800}

/* ============================================================
   COVER LINKS  —  added 4 Sep 2026
   Crawlable, contextual links from the homepage into the Wave 1
   pillar and service pages. The cover switcher above is a set of
   buttons opening a dialog, so before this the homepage had no
   in-content link into any commercial page.
   ============================================================ */
.cover-links{margin-top:52px;padding-top:32px;border-top:1px solid var(--line)}
.cover-links>span{display:block;margin-bottom:18px;font-size:11px;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:var(--muted)}
.cover-links ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.cover-links a{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:56px;padding:0 20px;border:1px solid var(--line);border-radius:26px 7px 26px 26px;color:var(--teal);font-size:14px;font-weight:700;text-decoration:none;transition:border-color .25s ease,background .25s ease}
.cover-links a:hover,.cover-links a:focus-visible{border-color:var(--teal);background:rgba(23,63,58,.04)}
.cover-links a i{font-style:normal;color:var(--gold);font-size:15px}
@media(max-width:900px){.cover-links ul{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.cover-links ul{grid-template-columns:1fr}.cover-links{margin-top:38px}}