/* Clearline Broker theme */

@font-face { font-family: "Fraunces"; src: url(../fonts/fraunces.woff2) format("woff2"); font-weight: 400 700; font-display: swap; }
@font-face { font-family: "Inter"; src: url(../fonts/inter.woff2) format("woff2"); font-weight: 400 700; font-display: swap; }

:root {
	--ink: #0e2230;
	--ink-2: #17344b;
	--ink-3: #24475f;
	--paper: #f7f4ee;
	--tint: #efeae0;
	--card: #ffffff;
	--line: #e2dccf;
	--line-dark: rgba(255, 255, 255, .14);
	--text: #1b2833;
	--muted: #5a6670;
	--muted-light: #b7c4cd;
	--accent: #13807a;
	--accent-ink: #0c5f5a;
	--gold: #f2b544;
	--gold-ink: #d99a22;
	--danger: #b3261e;
	--ok: #1f7a4d;

	--serif: "Fraunces", Georgia, "Times New Roman", serif;
	--sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

	--r: 14px;
	--r-sm: 9px;
	--shadow: 0 1px 2px rgba(14, 34, 48, .06), 0 8px 24px -12px rgba(14, 34, 48, .18);
	--wrap: 1200px;
	--gutter: clamp(18px, 4vw, 40px);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 90px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
body { margin: 0; background: var(--paper); color: var(--text); font: 400 17px/1.6 var(--sans); font-feature-settings: "cv11", "ss01"; -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; height: auto; }
a { color: var(--accent-ink); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--accent); }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 560; line-height: 1.12; letter-spacing: -.015em; margin: 0 0 .5em; color: var(--ink); font-variation-settings: "opsz" 96; }
h1 { font-size: clamp(2.2rem, 1.4rem + 3.4vw, 3.75rem); }
h2 { font-size: clamp(1.7rem, 1.2rem + 1.9vw, 2.6rem); }
h3, .h3 { font-size: 1.3rem; font-variation-settings: "opsz" 36; }
.h4 { font-size: 1.1rem; font-family: var(--serif); }
p { margin: 0 0 1em; }
address { font-style: normal; }
button { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gutter); }
.wrap--narrow { max-width: 820px; }
.sr-only { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--gold); color: var(--ink); padding: 10px 16px; border-radius: 8px; font-weight: 600; }
.skip-link:focus { top: 12px; }
.muted { color: var(--muted); }
.small { font-size: .88rem; }
.opt { font-weight: 400; color: var(--muted); font-size: .9em; }
.icon { width: 1.25em; height: 1.25em; flex: none; }
.anchor { position: relative; top: -100px; }

/* ---------- Eyebrows, links ---------- */
.eyebrow { display: inline-flex; align-items: center; gap: .5em; font: 600 .78rem/1.3 var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--accent-ink); margin-bottom: 1rem; }
.eyebrow::before { content: ""; width: 22px; height: 2px; background: var(--gold); }
.eyebrow--light { color: var(--gold); }
.eyebrow__icon .icon { width: 1.3em; height: 1.3em; }
.eyebrow:has(.eyebrow__icon)::before { display: none; }
.text-link { display: inline-flex; align-items: center; gap: .4em; font-weight: 600; text-decoration: none; }
.text-link .icon { transition: transform .2s; }
.text-link:hover .icon { transform: translateX(3px); }
.linklike { background: none; border: 0; padding: 0; color: var(--gold); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55em; min-height: 50px; padding: 0 1.3em; border-radius: 999px; border: 1.5px solid transparent; font: 600 1rem/1 var(--sans); text-decoration: none; cursor: pointer; white-space: nowrap; transition: background .15s, border-color .15s, color .15s, transform .15s; }
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--gold); color: var(--ink); }
.btn--primary:hover { background: #f7c460; color: var(--ink); }
.btn--ghost { background: transparent; color: var(--ink); border-color: rgba(14, 34, 48, .28); }
.btn--ghost:hover { border-color: var(--ink); color: var(--ink); }
.btn--light { background: #fff; color: var(--ink); }
.btn--light:hover { background: var(--paper); color: var(--ink); }
.btn--sm { min-height: 42px; padding: 0 1.1em; font-size: .93rem; }
.btn--block { width: 100%; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; }
.cta-row--dark .btn--ghost { color: #fff; border-color: rgba(255, 255, 255, .35); }
.cta-row--dark .btn--ghost:hover { border-color: #fff; color: #fff; background: rgba(255, 255, 255, .06); }
@media (max-width: 560px) { .cta-row .btn { flex: 1 1 100%; } }

/* ---------- Top bars ---------- */
.demo-bar { background: #fff4d6; color: #5c4200; font-size: .82rem; text-align: center; padding: 7px var(--gutter); border-bottom: 1px solid #f0dca0; }
.util-bar { background: var(--ink); color: var(--muted-light); font-size: .84rem; }
.util-bar__inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.util-bar__area, .util-bar__status { display: inline-flex; align-items: center; gap: .5em; }
.util-bar .icon { width: 1em; height: 1em; }
.dot { width: 8px; height: 8px; border-radius: 50%; background: #6c7c88; }
.dot--open { background: #4ad28a; box-shadow: 0 0 0 4px rgba(74, 210, 138, .2); }
@media (max-width: 720px) { .util-bar__area { display: none; } .util-bar__inner { justify-content: center; } }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 40; background: rgba(247, 244, 238, .92); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s; }
.site-header.is-scrolled { border-color: var(--line); box-shadow: 0 6px 20px -16px rgba(14, 34, 48, .5); }
.site-header__inner { display: flex; align-items: center; gap: 28px; min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; margin-right: auto; }
.brand:hover { color: var(--ink); }
.brand__mark { width: 36px; height: 36px; }
.brand__word { font: 600 1.35rem/1 var(--serif); letter-spacing: -.02em; }
.brand__logo { max-height: 48px; width: auto; }
.nav-list { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; }
.nav-list a { display: block; padding: 10px 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-weight: 500; font-size: .97rem; }
.nav-list a:hover, .nav-list .current-menu-item > a, .nav-list .current_page_item > a { background: rgba(14, 34, 48, .06); color: var(--ink); }
.nav__mobile-cta { display: none; }
.header-actions { display: flex; align-items: center; gap: 14px; }
.header-phone { display: inline-flex; align-items: center; gap: 8px; color: var(--ink); text-decoration: none; font-weight: 600; font-variant-numeric: tabular-nums; }
.header-phone .icon { color: var(--accent); }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--ink); }
.nav-toggle .icon { width: 28px; height: 28px; }
.nav-toggle .icon--close, .nav-toggle[aria-expanded="true"] .icon--menu { display: none; }
.nav-toggle[aria-expanded="true"] .icon--close { display: block; }

.nav-list a, .brand__word, .header-phone { white-space: nowrap; }
@media (max-width: 1240px) { .header-phone span { display: none; } .site-header__inner { gap: 16px; } .nav-list a { padding-inline: 9px; } }
@media (max-width: 960px) {
	/* backdrop-filter would make the header the containing block for the fixed nav drawer */
	.site-header { backdrop-filter: none; background: var(--paper); }
	.nav-toggle { display: block; position: relative; z-index: 60; }
	.nav { position: fixed; inset: 0 0 0 auto; width: min(380px, 100%); background: var(--paper); padding: 96px 24px 24px; transform: translateX(100%); visibility: hidden; transition: transform .25s ease, visibility 0s .25s; box-shadow: -20px 0 40px -20px rgba(0, 0, 0, .3); overflow-y: auto; z-index: 50; }
	.nav.is-open { transform: none; visibility: visible; transition: transform .25s ease; }
	.nav-list { flex-direction: column; }
	.nav-list a { font-size: 1.15rem; padding: 14px 8px; border-bottom: 1px solid var(--line); border-radius: 0; }
	.nav__mobile-cta { display: block; margin-top: 24px; }
	.nav__mobile-cta .btn { flex: 1 1 100%; }
	.header-actions .btn { display: none; }
}

/* ---------- Hero ---------- */
.hero { position: relative; background: radial-gradient(1200px 500px at 85% -10%, #24506c 0%, transparent 60%), var(--ink); color: #dbe5ec; overflow: hidden; }
.hero__inner { display: grid; grid-template-columns: 1.55fr 1fr; gap: clamp(32px, 4vw, 56px); align-items: center; padding-block: clamp(56px, 8vw, 110px) clamp(80px, 9vw, 130px); }
.hero h1 { color: #fff; max-width: 15ch; }
.hero__lede { font-size: 1.15rem; max-width: 52ch; margin-bottom: 2rem; color: #c5d3dd; }
.hero__horizon { position: absolute; left: 0; right: 0; bottom: 0; height: 64px; background:
	linear-gradient(var(--gold), var(--gold)) 0 0 / 100% 3px no-repeat,
	repeating-linear-gradient(90deg, rgba(255,255,255,.06) 0 1px, transparent 1px 64px),
	linear-gradient(180deg, #102a3b, #0b1c28); }
.hero__card { background: #fff; color: var(--text); border-radius: 18px; padding: 28px; box-shadow: 0 30px 60px -30px rgba(0, 0, 0, .6); position: relative; }
.hero__card::before { content: ""; position: absolute; inset: 10px -10px -10px 10px; border-radius: 18px; border: 1px solid rgba(242, 181, 68, .5); z-index: -1; }
.hero__person { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
.avatar { width: 58px; height: 58px; border-radius: 50%; overflow: hidden; display: grid; place-items: center; background: linear-gradient(135deg, var(--accent), var(--ink-3)); color: #fff; font: 600 1.15rem var(--serif); flex: none; }
.avatar img { width: 100%; height: 100%; object-fit: cover; }
.hero__person-name { font: 600 1.15rem/1.2 var(--serif); margin: 0; color: var(--ink); }
.hero__person-role { margin: 2px 0 0; color: var(--muted); font-size: .9rem; }
.hero__quote { font: 400 1.05rem/1.55 var(--serif); color: var(--ink-2); margin-bottom: 18px; font-style: italic; }
.hero__direct { display: flex; align-items: center; gap: 10px; padding: 14px 16px; background: var(--paper); border-radius: 12px; font-weight: 600; color: var(--ink); text-decoration: none; margin-bottom: 16px; font-variant-numeric: tabular-nums; }
.hero__direct .icon { color: var(--accent); }
.hero__direct:hover { background: var(--tint); color: var(--ink); }
.hero__facts { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; font-size: .9rem; color: var(--muted); }
.hero__facts li { display: flex; gap: 8px; align-items: flex-start; }
.hero__facts .icon { color: var(--accent); margin-top: 3px; width: 1.05em; height: 1.05em; }
@media (max-width: 900px) { .hero__inner { grid-template-columns: 1fr; } }

/* ---------- Trust bar ---------- */
.trust-bar { background: var(--card); border-bottom: 1px solid var(--line); }
.trust-bar__inner { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 18px 28px; padding-block: 24px; }
.trust-item > .icon--star { fill: var(--gold); stroke: var(--gold-ink); }
.trust-item { display: flex; align-items: center; gap: 12px; min-width: 0; }
.trust-item > .icon { width: 30px; height: 30px; color: var(--accent); }
.trust-item strong { display: block; font-size: .98rem; color: var(--ink); line-height: 1.25; }
.trust-item > div > span { display: block; font-size: .8rem; color: var(--muted); line-height: 1.3; }
.stars { display: inline-flex; gap: 1px; vertical-align: middle; }
.star .icon { width: 17px; height: 17px; }
.star--full .icon { fill: var(--gold); stroke: var(--gold-ink); }
.star--half .icon { fill: var(--gold); fill-opacity: .45; stroke: var(--gold-ink); }
.star--empty .icon { stroke: #c7c0b0; }
.trust-item .stars .icon { width: 15px; height: 15px; }
@media (max-width: 720px) { .trust-bar__inner { grid-template-columns: 1fr 1fr; font-size: .9rem; } .trust-item > .icon { width: 24px; height: 24px; } }

/* ---------- Sections ---------- */
.section { padding-block: clamp(56px, 7vw, 100px); }
.section--tint { background: var(--tint); }
.section--ink { background: var(--ink); color: #c9d6df; }
.section--ink h2, .section--ink h3 { color: #fff; }
.section__head { max-width: 760px; margin-bottom: clamp(28px, 4vw, 48px); }
.section__head--split { max-width: none; display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; flex-wrap: wrap; }
.section__head--split h2 { margin-bottom: 0; }
.section__lede { font-size: 1.1rem; color: var(--muted); }
.section__foot { margin-top: 28px; color: var(--muted); }

/* ---------- Sector cards ---------- */
.sector-grid, .cover-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 18px; }
.sector-grid--compact { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
.sector-card, .cover-card { position: relative; display: flex; flex-direction: column; gap: 10px; padding: 26px; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); text-decoration: none; color: var(--text); transition: border-color .2s, transform .2s, box-shadow .2s; overflow: hidden; }
.sector-card::after, .cover-card::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.sector-card:hover, .cover-card:hover { border-color: #cfc6b3; transform: translateY(-3px); box-shadow: var(--shadow); color: var(--text); }
.sector-card:hover::after, .cover-card:hover::after { transform: none; }
.sector-card__icon { width: 50px; height: 50px; border-radius: 12px; display: grid; place-items: center; background: #e5f1ef; color: var(--accent-ink); }
.sector-card__icon .icon { width: 26px; height: 26px; }
.sector-card__title { font: 560 1.3rem/1.2 var(--serif); color: var(--ink); }
.sector-card__text { color: var(--muted); font-size: .96rem; flex: 1; }
.sector-card__more { display: inline-flex; align-items: center; gap: .4em; font-weight: 600; color: var(--accent-ink); font-size: .93rem; }
.sector-card__more .icon { width: 1em; transition: transform .2s; }
.sector-card:hover .sector-card__more .icon { transform: translateX(3px); }

/* ---------- Pillars ---------- */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.pillar { background: var(--card); border-radius: var(--r); padding: 30px; border: 1px solid var(--line); }
.pillar__n { font: 500 .85rem var(--sans); color: var(--accent); letter-spacing: .1em; display: block; margin-bottom: 18px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.pillar p { color: var(--muted); margin: 0; }
.market-note { display: flex; gap: 10px; align-items: flex-start; margin: 28px 0 0; padding: 16px 18px; border-radius: var(--r-sm); background: rgba(255,255,255,.6); border: 1px dashed #cdc4b1; color: var(--muted); font-size: .92rem; }
.market-note .icon { color: var(--accent); margin-top: 3px; }
@media (max-width: 900px) { .pillars { grid-template-columns: 1fr; } }

/* ---------- Underinsurance hook ---------- */
.hook { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(28px, 5vw, 72px); align-items: center; }
.hook__stat { aspect-ratio: 1; max-width: 360px; width: 100%; border-radius: 50%; display: grid; place-content: center; text-align: center; padding: 40px; background: conic-gradient(var(--gold) 0 187deg, var(--ink) 187deg 360deg); position: relative; }
.hook__stat::before { content: ""; position: absolute; inset: 22px; border-radius: 50%; background: var(--paper); }
.hook__num, .hook__label { position: relative; }
.hook__num { font: 600 clamp(3.2rem, 2rem + 4vw, 5rem)/1 var(--serif); color: var(--ink); }
.hook__label { font-size: .88rem; color: var(--muted); max-width: 22ch; margin: 8px auto 0; }
.hook__links { display: grid; gap: 10px; margin-top: 24px; }
.tool-link { display: flex; gap: 14px; align-items: center; padding: 16px 18px; background: var(--card); border: 1px solid var(--line); border-radius: var(--r-sm); text-decoration: none; color: var(--muted); font-size: .92rem; transition: border-color .2s; }
.tool-link:hover { border-color: var(--accent); color: var(--muted); }
.tool-link .icon { width: 28px; height: 28px; color: var(--accent); }
.tool-link strong { display: block; color: var(--ink); font-size: 1rem; }
@media (max-width: 820px) { .hook { grid-template-columns: 1fr; } .hook__stat { max-width: 260px; margin-inline: auto; } }

/* ---------- Reviews ---------- */
.review-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 18px; }
.review-grid--masonry { columns: 3 300px; column-gap: 18px; display: block; margin-top: 32px; }
.review-grid--masonry .review { break-inside: avoid; margin-bottom: 18px; }
.review { margin: 0; padding: 26px; background: var(--card); border-radius: var(--r); border: 1px solid var(--line); display: flex; flex-direction: column; gap: 14px; }
.review blockquote { margin: 0; font: 400 1.04rem/1.6 var(--serif); color: var(--ink-2); flex: 1; }
.review blockquote p:last-child { margin: 0; }
.review figcaption { display: grid; font-size: .9rem; }
.review figcaption strong { color: var(--ink); }
.review figcaption span { color: var(--muted); }
.review__source { font-size: .8rem; }
.rating-summary { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; margin: 0; color: var(--muted); }
.rating-summary strong { color: var(--ink); font-size: 1.2rem; }
.rating-panels { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 18px; }
.rating-panel { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 26px; }
.rating-panel p { margin: 0 0 6px; }
.rating-panel__src { font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .1em; font-size: .8rem; }
.rating-panel__score { font: 600 3rem/1 var(--serif); color: var(--ink); }
.rating-panel__score small { font-size: 1.1rem; color: var(--muted); }
.rating-panel--text { background: transparent; border-style: dashed; color: var(--muted); font-size: .92rem; display: flex; align-items: center; }

/* ---------- Team ---------- */
.team-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: 20px; }
.person { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 14px 14px 20px; }
.person__photo { aspect-ratio: 6 / 7; border-radius: 10px; overflow: hidden; background: linear-gradient(160deg, #dfe9ec, #c9d8dc); display: grid; place-items: center; margin-bottom: 16px; }
.person__photo img { width: 100%; height: 100%; object-fit: cover; }
.person__initials { font: 500 3.2rem var(--serif); color: var(--ink-3); opacity: .7; }
.person__name { margin: 0 6px 2px; font-size: 1.2rem; }
.person__role { margin: 0 6px 8px; color: var(--muted); font-size: .9rem; }
.person__spec { margin: 0 6px 12px; font-size: .84rem; color: var(--accent-ink); font-weight: 500; }
.person__bio { margin: 0 6px 12px; font-size: .92rem; color: var(--muted); }
.person__contact { display: grid; gap: 6px; margin: 0 6px; font-size: .9rem; }
.person__contact a { display: inline-flex; align-items: center; gap: 8px; text-decoration: none; font-weight: 500; }
.person__contact .icon { width: 1.05em; height: 1.05em; }

/* ---------- Areas ---------- */
.areas { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 72px); align-items: center; }
.area-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line-dark); }
.area-list a { display: grid; grid-template-columns: 1fr auto auto; align-items: center; gap: 16px; padding: 20px 4px; border-bottom: 1px solid var(--line-dark); color: #fff; text-decoration: none; }
.area-list span { font: 500 1.5rem var(--serif); }
.area-list small { color: var(--muted-light); font-size: .85rem; }
.area-list .icon { color: var(--gold); transition: transform .2s; }
.area-list a:hover { color: var(--gold); }
.area-list a:hover .icon { transform: translateX(4px); }
@media (max-width: 820px) { .areas { grid-template-columns: 1fr; } .area-list small { display: none; } }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(120deg, var(--ink-2), var(--ink)); color: #c9d6df; padding-block: clamp(48px, 6vw, 80px); border-top: 3px solid var(--gold); }
.cta-band__inner { display: grid; grid-template-columns: 1.2fr auto; gap: 32px; align-items: center; }
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 1.2rem + 1.4vw, 2.3rem); }
.cta-band p { margin: 0; max-width: 58ch; }
@media (max-width: 900px) { .cta-band__inner { grid-template-columns: 1fr; } }

/* ---------- Page hero ---------- */
.page-hero { background: radial-gradient(900px 400px at 90% -20%, #24506c 0%, transparent 60%), var(--ink); color: #c9d6df; padding-block: clamp(40px, 6vw, 80px); border-bottom: 3px solid var(--gold); }
.page-hero h1 { color: #fff; max-width: 22ch; }
.page-hero__lede { font-size: 1.12rem; max-width: 60ch; margin-bottom: 1.8rem; }
.page-hero--compact { padding-block: clamp(28px, 4vw, 48px); }
.page-hero--compact h1 { font-size: clamp(2rem, 1.5rem + 2vw, 2.8rem); }
.page-hero--compact .page-hero__lede { margin-bottom: 0; }
.page-hero__inner { display: grid; grid-template-columns: 1.5fr 1fr; gap: clamp(28px, 5vw, 64px); align-items: center; }
.crumbs { font-size: .85rem; color: var(--muted-light); margin-bottom: 22px; }
.crumbs a { color: var(--muted-light); }
.crumbs a:hover { color: #fff; }
.cred-list { list-style: none; padding: 0; margin: 26px 0 0; display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: .9rem; }
.cred-list li { display: inline-flex; align-items: center; gap: 6px; }
.cred-list .icon { color: var(--gold); width: 1em; }
.specialist { background: rgba(255, 255, 255, .06); border: 1px solid var(--line-dark); border-radius: 18px; padding: 26px; }
.specialist__label { font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; color: var(--gold); font-weight: 600; margin-bottom: 16px; }
.specialist .hero__person-name { color: #fff; }
.specialist .hero__person-role { color: var(--muted-light); }
.specialist .hero__direct { background: rgba(255, 255, 255, .08); color: #fff; }
.specialist .hero__direct .icon { color: var(--gold); }
@media (max-width: 900px) { .page-hero--compact { padding-block: clamp(28px, 4vw, 48px); }
.page-hero--compact h1 { font-size: clamp(2rem, 1.5rem + 2vw, 2.8rem); }
.page-hero--compact .page-hero__lede { margin-bottom: 0; }
.page-hero__inner { grid-template-columns: 1fr; } }

/* ---------- Sector detail ---------- */
.risk-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(270px, 1fr)); gap: 18px; }
.risk { background: var(--card); padding: 28px; border: 1px solid var(--line); border-radius: var(--r); }
.risk__n { font: 500 .85rem var(--sans); color: var(--accent); letter-spacing: .1em; }
.risk h3 { margin-top: 10px; font-size: 1.2rem; }
.risk p { color: var(--muted); font-size: .96rem; margin: 0; }
.split { display: grid; grid-template-columns: 1.3fr 1fr; gap: clamp(28px, 5vw, 64px); align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.cover-box { background: var(--card); border-radius: var(--r); padding: 28px; border: 1px solid var(--line); position: sticky; top: 100px; }
.tick-list, .cross-list { list-style: none; margin: 0 0 16px; padding: 0; display: grid; gap: 10px; }
.tick-list li, .cross-list li { display: flex; gap: 10px; align-items: flex-start; }
.tick-list .icon { color: var(--ok); margin-top: 3px; }
.cross-list .icon { color: var(--danger); margin-top: 3px; }
.inc-exc { display: grid; gap: 18px; }
.inc-exc__col { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 24px; border-top: 3px solid var(--ok); }
.inc-exc__col--not { border-top-color: var(--danger); }
.lead { font-size: 1.15rem; color: var(--ink-2); }
.case > * { max-width: 860px; }
.case h2 { max-width: 24ch; }
.case__body { font: 400 1.15rem/1.65 var(--serif); color: #dde6ec; }
.case__client { color: var(--gold); font-weight: 600; margin-top: 18px; }
.tools-stack { display: grid; gap: 28px; }

/* ---------- Prose ---------- */
.prose > *:first-child { margin-top: 0; }
.prose h2 { font-size: 1.8rem; margin-top: 1.6em; }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { padding-left: 1.2em; }
.prose li { margin-bottom: .4em; }
.prose table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.prose th, .prose td { text-align: left; border-bottom: 1px solid var(--line); padding: 10px 8px; vertical-align: top; }
.prose .wp-block-table { overflow-x: auto; }

/* ---------- FAQs ---------- */
.faqs { border-top: 1px solid var(--line); }
.faq { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 20px 40px 20px 0; position: relative; font: 560 1.12rem/1.35 var(--serif); color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 6px; top: 50%; width: 12px; height: 12px; border-right: 2px solid var(--accent); border-bottom: 2px solid var(--accent); transform: translateY(-70%) rotate(45deg); transition: transform .2s; }
.faq[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq p { color: var(--muted); padding-bottom: 20px; margin: 0; max-width: 70ch; }

/* ---------- Calculators ---------- */
.calc { background: var(--card); border: 1px solid var(--line); border-radius: 18px; padding: clamp(22px, 3.5vw, 40px); scroll-margin-top: 100px; }
.calc__head { display: flex; gap: 18px; align-items: flex-start; margin-bottom: 28px; max-width: 780px; }
.calc__head h3 { font-size: 1.55rem; margin-bottom: .3em; }
.calc__head p { color: var(--muted); margin: 0; }
.calc__icon { width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center; background: var(--ink); color: var(--gold); flex: none; }
.calc__icon .icon { width: 28px; height: 28px; }
.calc__grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: clamp(20px, 3vw, 40px); align-items: start; }
.calc__inputs { margin: 0; padding: 0; border: 0; min-width: 0; display: grid; gap: 18px; align-content: start; }
.calc__inputs.yn-list { gap: 0; }
.calc__out { background: var(--ink); color: #c9d6df; border-radius: var(--r); padding: 28px; position: sticky; top: 100px; }
.calc__label { font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: var(--gold); font-weight: 600; margin-bottom: 6px; }
.calc__big { font: 600 clamp(1.9rem, 1.4rem + 1.6vw, 2.7rem)/1.1 var(--serif); color: #fff; margin-bottom: 18px; font-variant-numeric: tabular-nums; }
.calc__rows { margin: 0 0 18px; display: grid; gap: 8px; font-size: .92rem; }
.calc__rows div { display: flex; justify-content: space-between; gap: 12px; padding-bottom: 8px; border-bottom: 1px solid var(--line-dark); }
.calc__rows dd { margin: 0; color: #fff; font-variant-numeric: tabular-nums; font-weight: 500; }
.calc__gap { border-radius: 10px; padding: 14px 16px; font-size: .92rem; margin-bottom: 16px; }
.calc__gap--warn { background: rgba(242, 181, 68, .14); border: 1px solid rgba(242, 181, 68, .5); color: #fbe3b5; }
.calc__gap--ok { background: rgba(74, 210, 138, .12); border: 1px solid rgba(74, 210, 138, .4); color: #c6f0d8; }
.calc__gap strong { color: #fff; }
.calc__note { font-size: .86rem; color: var(--muted-light); margin: 0; }
.calc__points { list-style: none; margin: 0 0 20px; padding: 0; display: grid; gap: 10px; font-size: .93rem; }
.calc__points li { padding-left: 18px; position: relative; }
.calc__points li::before { content: ""; position: absolute; left: 0; top: .6em; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }
.calc__points li.muted::before { display: none; }
.calc__points li.muted { padding: 0; color: var(--muted-light); }
.calc__points strong { color: #fff; }
.disclaimer { margin: 22px 0 0; padding-top: 16px; border-top: 1px solid var(--line); font-size: .84rem; color: var(--muted); }
.yn-list { display: grid; gap: 0; }
.yn { display: grid; grid-template-columns: 1fr auto; gap: 16px; align-items: center; padding: 14px 0; border-bottom: 1px solid var(--line); }
.yn p { margin: 0; font-size: .97rem; }
.yn__opts { display: flex; gap: 6px; }
.yn__opts label { position: relative; }
.yn__opts input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.yn__opts label { display: inline-grid; place-items: center; min-width: 58px; height: 40px; padding: 0 12px; border: 1.5px solid var(--line); border-radius: 999px; font-size: .9rem; font-weight: 600; cursor: pointer; color: var(--muted); transition: all .15s; }
.yn__opts label:has(input:checked) { background: var(--ink); border-color: var(--ink); color: #fff; }
.yn__opts label:has(input:focus-visible) { outline: 3px solid var(--gold); outline-offset: 2px; }
@media (max-width: 900px) { .calc__grid { grid-template-columns: 1fr; } .calc__out { position: static; } }
@media (max-width: 520px) { .yn { grid-template-columns: 1fr; gap: 8px; } }

/* ---------- Forms ---------- */
.form { display: grid; gap: 18px; }
.field { display: grid; gap: 6px; margin: 0; padding: 0; border: 0; min-width: 0; }
.field > label, .field > legend { font-weight: 600; font-size: .95rem; color: var(--ink); padding: 0; margin-bottom: 6px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 600px) { .field-row { grid-template-columns: 1fr; } }
input:not([type=checkbox]):not([type=radio]), select, textarea { width: 100%; min-height: 50px; padding: 12px 14px; border: 1.5px solid #d6cfc0; border-radius: 10px; background: #fff; font: 400 1rem/1.4 var(--sans); color: var(--text); transition: border-color .15s, box-shadow .15s; }
textarea { min-height: 110px; resize: vertical; }
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none' stroke='%230e2230' stroke-width='1.8'%3E%3Cpath d='M1 1l5 5 5-5'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 38px; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 4px rgba(19, 128, 122, .15); }
.is-invalid { border-color: var(--danger) !important; box-shadow: 0 0 0 4px rgba(179, 38, 30, .12) !important; }
.hint { font-size: .85rem; color: var(--muted); margin: 2px 0 0; display: flex; gap: 8px; align-items: flex-start; }
.hint .icon { color: var(--accent); flex: none; margin-top: 2px; }
.check, .consent { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; color: var(--muted); cursor: pointer; }
.check input, .consent input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--accent); flex: none; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { position: relative; }
.chip input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.chip span { display: inline-block; padding: 10px 16px; border-radius: 999px; border: 1.5px solid #d6cfc0; background: #fff; font-size: .92rem; font-weight: 500; cursor: pointer; transition: all .15s; }
.chip input:checked + span { background: var(--ink); border-color: var(--ink); color: #fff; }
.chip input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.notice { display: flex; gap: 12px; align-items: flex-start; padding: 16px 18px; border-radius: 12px; font-size: .95rem; }
.notice p { margin: 0; }
.notice .icon { margin-top: 2px; }
.notice--ok { background: #e3f4ea; color: #134d31; border: 1px solid #b6e0c7; }
.notice--err { background: #fbe6e4; color: #7c1b15; border: 1px solid #f0bdb8; }
.panel { background: var(--card); border: 1px solid var(--line); border-radius: 18px; padding: clamp(22px, 3.5vw, 40px); }
.prefill { background: var(--paper); border-radius: 10px; padding: 14px 16px; font-size: .9rem; }
.prefill pre { white-space: pre-wrap; font: inherit; margin: 0; color: var(--muted); }

/* Steps */
.steps { list-style: none; display: flex; gap: 8px; padding: 0; margin: 0 0 8px; counter-reset: s; }
.steps li { flex: 1; display: flex; align-items: center; gap: 8px; font-size: .85rem; font-weight: 600; color: var(--muted); padding-bottom: 10px; border-bottom: 3px solid var(--line); }
.steps li span { width: 26px; height: 26px; display: grid; place-items: center; border-radius: 50%; background: var(--tint); font-size: .8rem; }
.steps li.is-current { color: var(--ink); border-color: var(--gold); }
.steps li.is-current span, .steps li.is-done span { background: var(--ink); color: #fff; }
.steps li.is-done { border-color: var(--ink); }
.step { border: 0; padding: 0; margin: 0; display: grid; gap: 18px; min-width: 0; }
.step > legend { font: 560 1.45rem/1.2 var(--serif); color: var(--ink); padding: 0; margin-bottom: 14px; }
.step__nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 6px; }
.step__nav .btn--primary:only-child { margin-left: auto; }
.js .quote-form .step:not(.is-current) { display: none; }
html:not(.js) .steps { display: none; }
@media (max-width: 520px) { .steps li { font-size: 0; gap: 0; justify-content: center; } .steps li span { font-size: .8rem; } }

.quote-layout { display: grid; grid-template-columns: 1.5fr 1fr; gap: clamp(24px, 4vw, 56px); align-items: start; }
.quote-aside { position: sticky; top: 100px; }
.next-steps { padding: 0; margin: 0 0 24px; list-style: none; counter-reset: n; display: grid; gap: 16px; }
.next-steps li { counter-increment: n; position: relative; padding-left: 44px; color: var(--muted); font-size: .95rem; }
.next-steps li::before { content: counter(n); position: absolute; left: 0; top: -2px; width: 30px; height: 30px; border-radius: 50%; background: var(--ink); color: var(--gold); display: grid; place-items: center; font-weight: 600; font-size: .85rem; }
.next-steps strong { color: var(--ink); }
.aside-box { background: var(--tint); border-radius: var(--r); padding: 20px; margin-bottom: 20px; font-size: .95rem; }
.aside-box .cta-row .btn { flex: 1 1 100%; }
@media (max-width: 900px) { .quote-layout { grid-template-columns: 1fr; } .quote-aside { position: static; } }

/* Claims */
.section--alert { padding-block: 22px; background: #fff4d6; border-bottom: 1px solid #f0dca0; }
.alert-strip { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }
.alert-strip > .icon { width: 32px; height: 32px; color: #a36b00; }
.alert-strip p { flex: 1 1 360px; margin: 0; color: #5c4200; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 16px; }
.contact-card { display: grid; gap: 4px; padding: 26px; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); text-align: left; text-decoration: none; color: var(--text); cursor: pointer; transition: border-color .2s, transform .2s; }
.contact-card:hover { border-color: var(--accent); transform: translateY(-2px); color: var(--text); }
.contact-card .icon { width: 30px; height: 30px; color: var(--accent); margin-bottom: 10px; }
.contact-card strong { font: 560 1.25rem var(--serif); color: var(--ink); }
.contact-card small { color: var(--muted); }
.visit { display: grid; grid-template-columns: 1fr 1.3fr; gap: clamp(24px, 4vw, 56px); align-items: center; }
.visit address { font-size: 1.1rem; margin-bottom: 12px; color: var(--ink); }
.map { aspect-ratio: 4 / 3; border-radius: var(--r); overflow: hidden; background:
	linear-gradient(rgba(14,34,48,.04) 1px, transparent 1px) 0 0 / 28px 28px,
	linear-gradient(90deg, rgba(14,34,48,.04) 1px, transparent 1px) 0 0 / 28px 28px, #e4ece9; display: grid; place-items: center; border: 1px solid var(--line); }
.map iframe { width: 100%; height: 100%; border: 0; }
.map__load { display: grid; justify-items: center; gap: 6px; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 18px 22px; cursor: pointer; font-weight: 600; color: var(--ink); box-shadow: var(--shadow); }
.map__load .icon { color: var(--accent); width: 28px; height: 28px; }
.map__load small { font-weight: 400; color: var(--muted); font-size: .8rem; }
@media (max-width: 820px) { .visit { grid-template-columns: 1fr; } }

/* Posts */
.post-item { padding-block: 24px; border-bottom: 1px solid var(--line); }
.post-item h2 { font-size: 1.5rem; }
.post-item h2 a { color: var(--ink); text-decoration: none; }

/* ---------- Footer ---------- */
.site-footer { background: #0a1924; color: #9fb0bc; padding-block: 64px 120px; font-size: .92rem; }
.site-footer a { color: #d5e0e7; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(4, 1fr); gap: 32px; padding-bottom: 36px; border-bottom: 1px solid var(--line-dark); }
.footer-brand__name { font: 600 1.3rem var(--serif); color: #fff; }
.footer-brand address { margin-bottom: 1em; }
.footer-col__h { color: #fff; font-weight: 600; margin-bottom: 12px; }
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.footer-trust { display: flex; flex-wrap: wrap; gap: 12px 28px; padding-block: 22px; border-bottom: 1px solid var(--line-dark); color: #d5e0e7; }
.badge-text { display: inline-flex; align-items: center; gap: 8px; }
.regulatory { padding-top: 22px; font-size: .82rem; line-height: 1.6; max-width: 980px; }
.regulatory p { margin-bottom: .8em; }
@media (max-width: 960px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (min-width: 961px) { .site-footer { padding-bottom: 64px; } }

/* ---------- Mobile quick bar ---------- */
.mobile-bar { display: none; }
@media (max-width: 960px) {
	.mobile-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; display: grid; grid-template-columns: 1fr 1fr 1.4fr; gap: 8px; padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: rgba(10, 25, 36, .96); backdrop-filter: blur(8px); }
	.mobile-bar a, .mobile-bar button { display: flex; align-items: center; justify-content: center; gap: 6px; min-height: 46px; border-radius: 999px; background: rgba(255, 255, 255, .08); border: 0; color: #fff; text-decoration: none; font-weight: 600; font-size: .9rem; cursor: pointer; }
	.mobile-bar .icon { width: 1.1em; height: 1.1em; }
	.mobile-bar__primary { background: var(--gold) !important; color: var(--ink) !important; }
}

/* ---------- Modal ---------- */
.modal { border: 0; padding: 0; border-radius: 20px; width: min(500px, calc(100% - 24px)); max-height: calc(100dvh - 24px); background: var(--paper); box-shadow: 0 40px 80px -20px rgba(0, 0, 0, .5); }
.modal::backdrop { background: rgba(10, 25, 36, .6); backdrop-filter: blur(3px); }
.modal .form { padding: 32px; position: relative; }
.modal h2 { font-size: 1.7rem; margin: 0; }
.modal .eyebrow { margin: 0; }
.modal__close { position: absolute; right: 14px; top: 14px; width: 40px; height: 40px; border-radius: 50%; border: 0; background: var(--tint); cursor: pointer; display: grid; place-items: center; }

/* ---------- Cookie banner ---------- */
.cookie-banner { position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 60; max-width: 560px; background: #fff; border-radius: 16px; box-shadow: 0 20px 50px -10px rgba(0, 0, 0, .35); padding: 20px; font-size: .9rem; }
.cookie-banner__actions { display: flex; gap: 10px; flex-wrap: wrap; }
@media (max-width: 960px) { .cookie-banner { bottom: 84px; } }

/* ---------- Editor sign-off flag ---------- */
.signoff-flag { position: fixed; left: 16px; bottom: 16px; z-index: 70; padding: 8px 14px; border-radius: 999px; font: 600 12px/1.2 var(--sans); box-shadow: var(--shadow); }
.signoff-flag--approved { background: #d8f0e4; color: #10573a; }
.signoff-flag--changed { background: #fdecc8; color: #7a4a00; }
.signoff-flag--none { background: #f3d6d6; color: #8a1c1c; }
@media (max-width: 960px) { .signoff-flag { bottom: 84px; } }
.team-grid--full { grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); }