/* insurance-page.css — Phase 4 extraction 2026-04-17. */

/* §1 */
/* ── SKIP LINK ─────────────────────────────────────── */
    .skip-link {
      position: absolute; top: -100%; left: 16px; z-index: 9999;
      background: #07192E; color: #fff;
      padding: 12px 24px; border-radius: 0 0 8px 8px;
      font-family: "Inter", system-ui, sans-serif; font-size: 14px; font-weight: 600;
      text-decoration: none; transition: top .15s;
    }
    .skip-link:focus { top: 0; }

    .sr-only {
      position: absolute; width: 1px; height: 1px;
      padding: 0; margin: -1px; overflow: hidden;
      clip: rect(0,0,0,0); white-space: nowrap; border: 0;
    }

    /* ── RESET ─────────────────────────────────────────── */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :focus-visible { outline: 2px solid #1779B8; outline-offset: 3px; border-radius: 6px; }
    a, button, [role="button"], [onclick], .btn-hero-primary, .btn-primary, .btn-orange, .btn-nav-primary, .callback-trigger { cursor: pointer; }
    a, button, [role="button"] { transition: all 0.2s ease; }
    .btn-loading { position: relative; pointer-events: none; opacity: 0.8; }
    .btn-loading::after {
      content: ''; position: absolute; right: 16px; top: 50%; transform: translateY(-50%);
      width: 18px; height: 18px; border: 2px solid transparent;
      border-top-color: #fff; border-radius: 50%;
      animation: btnSpin 0.6s linear infinite;
    }
    @keyframes btnSpin { to { transform: translateY(-50%) rotate(360deg); } }
    .mob-sticky-cta a, .mob-sticky-cta button, .callback-trigger { min-height: 44px; }

    @media (max-width: 1024px) {
      button, [role="button"], .btn-hero-primary, .btn-primary, .btn-orange, .btn-nav-primary, .iq-submit, .assess-submit, .callback-submit, .cb-submit, .submit-btn { min-height: 44px; padding-top: 12px; padding-bottom: 12px; }
      input, select, textarea { min-height: 44px; }
    }
    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
      }
      .reveal { opacity: 1 !important; transform: none !important; }
      .trust-marquee { animation: none !important; }
      .hero-mesh-1, .hero-mesh-2, .hero-mesh-3 { animation: none !important; }
      .hero-line { animation: none !important; }
      .counter-val { --count-duration: 0s; }
    }

    /* ── PAGE-UNIQUE TOKENS ─────────────────────────────── */
    /* Removed redundant tokens already defined in site.css (verified 2026-05-05).
       Page-unique kept: deep blue/navy variants, off-2, border-2, muted-2,
       orange-dark, purple, grad-navy, ease-out, all --shadow-* (softer
       overrides for this page's premium look), glow-*, glass-*. */
    :root {
      --blue-deep:  #0E5A8A;
      --navy-3:     #142F4B;
      --off-2:      #EDF3F9;
      --border-2:   #D0DDE9;
      --muted-2:    #5A7489;
      --orange-dark:#EA580C;
      --purple:     #8B5CF6;
      --grad-navy:  linear-gradient(160deg, #050F1C 0%, #0D2B45 40%, #142F4B 100%);
      --ease-out:   cubic-bezier(.16,1,.3,1);
      /* Shadow overrides — softer than site.css canonical for premium feel */
      --shadow-sm:  0 1px 3px rgba(7,25,46,.04), 0 1px 2px rgba(7,25,46,.03);
      --shadow-md:  0 4px 16px rgba(7,25,46,.06), 0 2px 6px rgba(7,25,46,.03);
      --shadow-lg:  0 12px 40px rgba(7,25,46,.08), 0 4px 12px rgba(7,25,46,.04);
      --shadow-xl:  0 24px 64px rgba(7,25,46,.12), 0 8px 20px rgba(7,25,46,.06);
      --glow-blue:  0 0 0 1px rgba(41,171,226,.18), 0 8px 32px rgba(41,171,226,.14);
      --glow-orange: 0 0 0 1px rgba(249,115,22,.12), 0 8px 24px rgba(249,115,22,.20);
      --glass: rgba(255,255,255,.06);
      --glass-border: rgba(255,255,255,.1);
    }

    /* Brand gradient accent — canonical 5-stop, applied via .grad-word in hero H1s */
    .grad-word {
      background: linear-gradient(135deg, #F7D44C 0%, #F07128 22%, #E8125C 50%, #7B21A2 78%, #1779B8 100%);
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
      background-clip: text;
      color: transparent;
    }


    /* ── BASE ───────────────────────────────────────────── */
    html { scroll-behavior: smooth; font-size: 16px; }
    body { font-family: var(--font-b); background: var(--white); color: var(--text); -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; line-height: 1.6; }
    a { text-decoration: none; }

    /* ── HEADER ─────────────────────────────────────────── */
    header {
      position: sticky; top: 0; z-index: 300;
      background: linear-gradient(180deg, rgba(255,255,255,.97) 0%, rgba(255,255,255,.92) 100%);
      backdrop-filter: blur(28px) saturate(1.8);
      -webkit-backdrop-filter: blur(28px) saturate(1.8);
      border-bottom: 1px solid rgba(226,236,244,.5);
      box-shadow: 0 1px 0 rgba(226,236,244,.5), 0 2px 12px rgba(7,25,46,.03);
      overflow: visible;
    }
    header::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: rgba(255,255,255,.95); pointer-events: none; z-index: 1; }
/* NAV CSS extracted to assets/site.css — see _scripts/extract_nav_css.py */

    /* ── BREADCRUMB ──────────────────────────────────────── */
    .breadcrumb { max-width: 1200px; margin: 0 auto; padding: 16px 32px 0; font-family: var(--font-b); font-size: 13px; color: var(--muted); }
    .breadcrumb a { color: var(--blue); text-decoration: none; transition: color .15s; }
    .breadcrumb a:hover { color: var(--blue-dark); }
    .breadcrumb span { margin: 0 6px; opacity: .5; }

    /* ═══════════════════════════════════════════════════════
       HERO — Premium mesh gradient + coverage network
       ═══════════════════════════════════════════════════════ */
    .ins-hero {
      background: var(--grad-navy);
      position: relative; overflow: hidden;
      padding: 64px 32px 72px;
      min-height: 540px;
    }
    /* Mesh gradient orbs */
    .hero-mesh { position: absolute; border-radius: 50%; filter: blur(80px); pointer-events: none; will-change: transform; }
    .hero-mesh-1 { width: 600px; height: 600px; background: rgba(41,171,226,.12); top: -20%; right: -5%; animation: meshFloat1 18s ease-in-out infinite; }
    .hero-mesh-2 { width: 500px; height: 500px; background: rgba(139,92,246,.08); bottom: -30%; left: -10%; animation: meshFloat2 22s ease-in-out infinite; }
    .hero-mesh-3 { width: 350px; height: 350px; background: rgba(249,115,22,.06); top: 30%; right: 20%; animation: meshFloat3 15s ease-in-out infinite; }
    @keyframes meshFloat1 { 0%,100% { transform: translate(0,0) scale(1); } 50% { transform: translate(-40px, 30px) scale(1.1); } }
    @keyframes meshFloat2 { 0%,100% { transform: translate(0,0) scale(1); } 50% { transform: translate(30px, -25px) scale(1.05); } }
    @keyframes meshFloat3 { 0%,100% { transform: translate(0,0) scale(.95); } 50% { transform: translate(-20px, -15px) scale(1.05); } }
    /* Subtle dot grid */
    .ins-hero::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.04) 1px, transparent 1px); background-size: 32px 32px; pointer-events: none; z-index: 1; }
    /* Bottom fade */
    .ins-hero::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 120px; background: linear-gradient(to top, var(--white), transparent); pointer-events: none; z-index: 2; }

    .hero-container { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; position: relative; z-index: 3; }
    .hero-eyebrow {
      display: inline-flex; align-items: center; gap: 0;
      margin-bottom: 24px;
      background: rgba(255,255,255,.95);
      border: 1px solid rgba(255,255,255,.2);
      border-radius: 100px;
      box-shadow: 0 4px 20px rgba(0,0,0,.25), inset 0 1px 0 rgba(255,255,255,.6);
      backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
      overflow: hidden;
    }
    .hero-eyebrow img { height: 44px; width: auto; display: block; padding: 8px 16px 8px 18px; box-sizing: content-box; }
    .hero-eyebrow-divider { width: 1px; align-self: stretch; background: rgba(7,25,46,.12); margin: 8px 0; }
    .hero-eyebrow-text {
      font-family: var(--font-b); font-size: 11.5px; font-weight: 700;
      letter-spacing: 1.6px; text-transform: uppercase;
      color: var(--navy);
      padding: 0 18px 0 14px;
    }
    .hero-h1 {
      font-family: var(--font-h); font-size: clamp(36px, 4.5vw, 52px); font-weight: 900;
      line-height: 1.08; letter-spacing: -0.03em; color: var(--white); margin-bottom: 20px;
    }
    .hero-h1 em { font-style: normal; color: var(--blue); }
    .hero-sub {
      font-family: var(--font-b); font-size: clamp(16px, 1.6vw, 18px); font-weight: 400;
      color: rgba(255,255,255,.85); max-width: 540px; line-height: 1.7; margin-bottom: 32px;
    }
    .hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
    .btn-primary {
      font-family: var(--font-b); font-size: 16px; font-weight: 700; color: #fff;
      background: var(--orange); padding: 16px 32px; border-radius: 12px;
      text-decoration: none; border: none; cursor: pointer;
      display: inline-flex; align-items: center; gap: 8px;
      box-shadow: 0 4px 20px rgba(249,115,22,.3), inset 0 1px 0 rgba(255,255,255,.15);
      transition: all .25s var(--ease); position: relative; overflow: hidden; min-height: 52px;
    }
    .btn-primary:hover { background: var(--orange-dark); transform: translateY(-2px); box-shadow: 0 8px 30px rgba(249,115,22,.4), inset 0 1px 0 rgba(255,255,255,.15); }
    .btn-primary:active { transform: scale(.97) translateY(1px); }
    /* .btn-primary shimmer now provided sitewide by buttons-v2.css */
    .btn-ghost {
      font-family: var(--font-b); font-size: 16px; font-weight: 600; color: rgba(255,255,255,.85);
      background: rgba(255,255,255,.06); padding: 16px 32px; border-radius: 12px;
      text-decoration: none; border: 1px solid rgba(255,255,255,.15); cursor: pointer;
      display: inline-flex; align-items: center; gap: 8px;
      backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
      transition: all .25s var(--ease); min-height: 52px;
    }
    .btn-ghost:hover { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.25); transform: translateY(-2px); }

    /* Hero stats — prominent counters */
    .hero-stats { display: flex; gap: 36px; flex-wrap: wrap; }
    .hero-stat-item {
      display: flex; flex-direction: column; gap: 4px;
      padding: 16px 0; position: relative;
    }
    .hero-stat-item:not(:last-child)::after { content: ''; position: absolute; right: -18px; top: 20%; height: 60%; width: 1px; background: rgba(255,255,255,.1); }
    .hero-stat-num {
      font-family: var(--font-h); font-size: 32px; font-weight: 800;
      background: linear-gradient(135deg, #fff, var(--blue));
      -webkit-background-clip: text; -webkit-text-fill-color: transparent;
      background-clip: text; line-height: 1;
    }
    .hero-stat-label{ font-family: var(--font-b); font-size: 13px; font-weight: 500; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .5px; }

    /* ═══════════════════════════════════════════════════════
       HERO ORBITAL — Premium animated coverage system
       ═══════════════════════════════════════════════════════ */
    .hero-visual { display: flex; align-items: center; justify-content: center; position: relative; }
    .hero-orbital {
      width: 100%; max-width: 520px; aspect-ratio: 1;
      position: relative;
      display: flex; align-items: center; justify-content: center;
    }
    /* Animated beams underlay */
    .orbital-beams { position: absolute; inset: 0; pointer-events: none; z-index: 1; }
    .orbital-beam {
      fill: none; stroke: url(#beamGradient); stroke-width: 1.5; stroke-linecap: round;
      stroke-dasharray: 6 10; opacity: .55;
      animation: beamFlow 2.4s linear infinite;
    }
    @keyframes beamFlow { to { stroke-dashoffset: -64; } }
    /* Rotating dashed orbit rings */
    .orbital-ring {
      position: absolute; top: 50%; left: 50%;
      border: 1px dashed rgba(255,255,255,.07);
      border-radius: 50%;
      pointer-events: none;
    }
    .orbital-ring-1 { width: 64%; height: 64%; transform: translate(-50%, -50%); animation: orbitSpin 40s linear infinite; }
    .orbital-ring-2 { width: 92%; height: 92%; transform: translate(-50%, -50%); animation: orbitSpin 60s linear infinite reverse; border-color: rgba(255,255,255,.05); }
    @keyframes orbitSpin {
      from { transform: translate(-50%, -50%) rotate(0deg); }
      to   { transform: translate(-50%, -50%) rotate(360deg); }
    }
    /* Pulsing concentric rings emanating from center */
    .orbital-pulse {
      position: absolute; top: 50%; left: 50%;
      width: 170px; height: 170px;
      border: 1.5px solid rgba(41,171,226,.45);
      border-radius: 50%;
      transform: translate(-50%, -50%);
      animation: pulseRing 4s cubic-bezier(.16,1,.3,1) infinite;
      pointer-events: none;
      opacity: 0;
    }
    .orbital-pulse:nth-of-type(2) { animation-delay: 1.3s; }
    .orbital-pulse:nth-of-type(3) { animation-delay: 2.6s; }
    @keyframes pulseRing {
      0%   { width: 170px; height: 170px; opacity: .7; border-width: 1.5px; }
      100% { width: 480px; height: 480px; opacity: 0; border-width: 0.5px; }
    }
    /* Center orb with IIG logo */
    .orbital-center {
      position: relative; z-index: 10;
      width: 170px; height: 170px;
      border-radius: 50%;
      background: radial-gradient(circle at 30% 25%, #ffffff 0%, #E8F4FB 60%, #C8E1F0 100%);
      display: flex; align-items: center; justify-content: center;
      box-shadow:
        0 0 0 1px rgba(255,255,255,.5),
        0 0 0 8px rgba(41,171,226,.08),
        0 0 80px rgba(41,171,226,.55),
        0 24px 70px rgba(0,0,0,.5),
        inset 0 2px 0 rgba(255,255,255,.9),
        inset 0 -8px 24px rgba(7,25,46,.08);
      animation: centerBreath 5s ease-in-out infinite;
    }
    @keyframes centerBreath {
      0%, 100% { box-shadow: 0 0 0 1px rgba(255,255,255,.5), 0 0 0 8px rgba(41,171,226,.08), 0 0 80px rgba(41,171,226,.55), 0 24px 70px rgba(0,0,0,.5), inset 0 2px 0 rgba(255,255,255,.9), inset 0 -8px 24px rgba(7,25,46,.08); }
      50%      { box-shadow: 0 0 0 1px rgba(255,255,255,.6), 0 0 0 12px rgba(41,171,226,.12), 0 0 110px rgba(41,171,226,.75), 0 28px 80px rgba(0,0,0,.55), inset 0 2px 0 rgba(255,255,255,.9), inset 0 -8px 24px rgba(7,25,46,.08); }
    }
    .orbital-center img {
      width: 110px; height: auto; display: block;
      filter: drop-shadow(0 2px 4px rgba(7,25,46,.1));
    }
    /* Conic shimmer ring around center */
    .orbital-center::before {
      content: ''; position: absolute; inset: -4px;
      border-radius: 50%;
      background: conic-gradient(from 0deg, transparent 0deg, rgba(41,171,226,.6) 60deg, transparent 120deg, transparent 360deg);
      animation: ringSpin 6s linear infinite;
      z-index: -1;
      mask: radial-gradient(circle, transparent 60%, black 62%, black 100%);
      -webkit-mask: radial-gradient(circle, transparent 60%, black 62%, black 100%);
    }
    @keyframes ringSpin { to { transform: rotate(360deg); } }

    /* Service nodes — positioned around the orbit */
    .orbital-node {
      position: absolute;
      width: 68px; height: 68px;
      border-radius: 18px;
      background: rgba(255,255,255,.05);
      border: 1px solid rgba(255,255,255,.13);
      backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
      display: flex; align-items: center; justify-content: center;
      transition: all .35s var(--ease);
      z-index: 5;
      box-shadow: 0 8px 24px rgba(0,0,0,.2), inset 0 1px 0 rgba(255,255,255,.1);
      animation: nodeBob 6s ease-in-out infinite;
    }
    .orbital-node::after {
      content: attr(data-label);
      position: absolute; bottom: -22px; left: 50%; transform: translateX(-50%);
      font-family: var(--font-b); font-size: 10px; font-weight: 700;
      color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .8px;
      white-space: nowrap;
    }
    .orbital-node:hover {
      background: rgba(41,171,226,.18);
      border-color: rgba(41,171,226,.5);
      box-shadow: 0 0 30px rgba(41,171,226,.4), 0 12px 32px rgba(0,0,0,.25);
    }
    .orbital-node:hover::after { color: var(--blue); }
    .orbital-node svg { width: 24px; height: 24px; stroke: var(--blue); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
    /* 8-point clock positioning */
    .orbital-node.n-12 { top: 0; left: 50%; margin-left: -34px; animation-delay: 0s; }
    .orbital-node.n-13 { top: 14%; right: 6%; animation-delay: .4s; }
    .orbital-node.n-15 { top: 50%; right: 0; margin-top: -34px; animation-delay: .8s; }
    .orbital-node.n-17 { bottom: 14%; right: 6%; animation-delay: 1.2s; }
    .orbital-node.n-18 { bottom: 0; left: 50%; margin-left: -34px; animation-delay: 1.6s; }
    .orbital-node.n-19 { bottom: 14%; left: 6%; animation-delay: 2s; }
    .orbital-node.n-21 { top: 50%; left: 0; margin-top: -34px; animation-delay: 2.4s; }
    .orbital-node.n-23 { top: 14%; left: 6%; animation-delay: 2.8s; }
    @keyframes nodeBob {
      0%, 100% { translate: 0 0; }
      50%      { translate: 0 -8px; }
    }

    /* Aurora background layer */
    .hero-aurora {
      position: absolute; inset: 0; pointer-events: none; z-index: 1;
      background:
        radial-gradient(ellipse 70% 50% at 50% 0%, rgba(41,171,226,.18), transparent 60%),
        radial-gradient(ellipse 50% 70% at 100% 50%, rgba(139,92,246,.10), transparent 60%),
        radial-gradient(ellipse 60% 60% at 0% 100%, rgba(249,115,22,.07), transparent 60%);
      animation: auroraDrift 18s ease-in-out infinite alternate;
      mix-blend-mode: screen;
    }
    @keyframes auroraDrift {
      0%   { opacity: .85; transform: scale(1) translateY(0); }
      100% { opacity: 1;   transform: scale(1.06) translateY(-10px); }
    }

    /* Mouse spotlight */
    .hero-spotlight {
      position: absolute; inset: 0; pointer-events: none; z-index: 2;
      background: radial-gradient(550px circle at var(--mx, 50%) var(--my, 30%), rgba(41,171,226,.12), transparent 45%);
      transition: background .2s ease-out;
    }

    /* Headline shimmer accent */
    .hero-h1 em {
      font-style: normal;
      background: linear-gradient(110deg, #29ABE2 30%, #7DD4F5 50%, #29ABE2 70%);
      background-size: 200% auto;
      -webkit-background-clip: text; background-clip: text;
      -webkit-text-fill-color: transparent;
      animation: shimmer 4s linear infinite;
    }
    @keyframes shimmer {
      0%   { background-position: 0% center; }
      100% { background-position: -200% center; }
    }

    /* Reduced motion overrides for new animations */
    @media (prefers-reduced-motion: reduce) {
      .orbital-ring-1, .orbital-ring-2, .orbital-pulse, .orbital-center, .orbital-center::before, .orbital-node, .orbital-beam, .hero-aurora, .hero-h1 em { animation: none !important; }
      .hero-spotlight { display: none; }
    }

    /* ═══════════════════════════════════════════════════════
       TRUST BAR — Marquee with premium treatment
       ═══════════════════════════════════════════════════════ */
    .trust-bar {
      padding: 0;
      background: var(--white);
      border-bottom: 1px solid var(--border);
      position: relative; z-index: 4;
    }
    .trust-bar-header {
      text-align: center; padding: 32px 32px 16px;
    }
    .trust-bar-label{
      font-family: var(--font-b); font-size: 11px; font-weight: 700;
      text-transform: uppercase; letter-spacing: 1.5px;
      color: var(--muted-2);
    }
    .trust-marquee-wrap {
      overflow: hidden; position: relative;
      padding: 0 0 32px;
      mask-image: linear-gradient(90deg, transparent, black 15%, black 85%, transparent);
      -webkit-mask-image: linear-gradient(90deg, transparent, black 15%, black 85%, transparent);
    }
    .trust-marquee {
      display: flex; align-items: center; gap: 56px;
      animation: marquee 35s linear infinite;
      width: max-content;
    }
    @keyframes marquee { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }
    .trust-marquee .carrier-item {
      font-family: var(--font-h); font-size: 16px; font-weight: 700;
      color: var(--navy); opacity: 0.2;
      white-space: nowrap; letter-spacing: .02em;
      transition: opacity .3s;
      user-select: none;
    }
    .trust-marquee .carrier-item:hover { opacity: 0.5; }

    /* ═══════════════════════════════════════════════════════
       VALUE PROPOSITION — Bento grid
       ═══════════════════════════════════════════════════════ */
    { background: var(--white); padding: 100px 32px; }
    .sec-inner { max-width: 1200px; margin: 0 auto; }
    .sec-label{
      font-family: var(--font-b); font-size: 12px; font-weight: 700;
      color: var(--blue); letter-spacing: 2px; text-transform: uppercase;
      margin-bottom: 14px; display: flex; align-items: center; gap: 10px;
    }
    .sec-label::before { content: ''; width: 20px; height: 1.5px; background: var(--blue); }
    .sec-h2 {
      font-family: var(--font-h); font-size: clamp(28px, 3.5vw, 40px); font-weight: 800;
      color: var(--navy); line-height: 1.15; letter-spacing: -.02em; margin-bottom: 10px;
    }
    .sec-sub {
      font-family: var(--font-b); font-size: 17px; font-weight: 400;
      color: var(--muted); max-width: 600px; margin-bottom: 56px; line-height: 1.65;
    }
    /* GOLDEN CARD pattern */
    .val-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;max-width:1180px;margin-left:auto;margin-right:auto}
    .val-card{position:relative;padding:36px 32px 30px 40px;border-radius:10px;isolation:isolate;background:#FFFFFF;border:1px solid rgba(13,24,41,.09);box-shadow:0 1px 2px rgba(13,24,41,.04),0 8px 24px -12px rgba(13,24,41,.18),0 16px 40px -20px rgba(13,24,41,.12);transition:border-color 180ms ease-out,box-shadow 180ms ease-out,transform 180ms ease-out;overflow:hidden;--card-color:#1366A0;--card-rgb:23,121,184}
    /* FIX-5 2026-04-15: single-tonal emerald for insurance (was 3-color rainbow) */
    .val-card:nth-child(3n+1),
    .val-card:nth-child(3n+2),
    .val-card:nth-child(3n+3){--card-color:#10B981;--card-rgb:16,185,129}
    .val-card::before{content:'';position:absolute;left:0;top:24px;bottom:24px;width:3px;background:linear-gradient(180deg,transparent 0%,var(--card-color) 15%,var(--card-color) 85%,transparent 100%);border-radius:0 3px 3px 0;transition:width 180ms ease-out,top 180ms ease-out,bottom 180ms ease-out;z-index:2;height:auto}
    .val-card:nth-child(1)::before, .val-card:nth-child(2)::before, .val-card:nth-child(3)::before { background: linear-gradient(180deg,transparent 0%,var(--card-color) 15%,var(--card-color) 85%,transparent 100%); }
    .val-card::after{content:'';position:absolute;top:-80px;left:-80px;width:280px;height:280px;background:radial-gradient(circle,rgba(var(--card-rgb),.12) 0%,transparent 65%);pointer-events:none;z-index:0;opacity:.55;transition:opacity 180ms ease-out}
    .val-card:hover{transform:translateY(-2px);border-color:rgba(var(--card-rgb),.42);box-shadow:0 1px 2px rgba(13,24,41,.05),0 14px 32px -14px rgba(var(--card-rgb),.22),0 18px 36px -18px rgba(13,24,41,.18)}
    .val-card:hover::before{width:4px;top:14px;bottom:14px}
    .val-card:hover::after{opacity:1}
    .val-card > *{position:relative;z-index:1}
    .val-icon{position:absolute !important;top:24px;right:24px;width:60px !important;height:60px !important;background:none !important;border:none;border-radius:0;color:var(--card-color);opacity:.14;margin:0;padding:0;z-index:0;pointer-events:none;display:block;transition:opacity 240ms ease-out,transform 240ms ease-out}
    .val-card:nth-child(1) .val-icon, .val-card:nth-child(2) .val-icon, .val-card:nth-child(3) .val-icon { background: none !important; }
    .val-icon svg{width:100% !important;height:100% !important;stroke:currentColor !important;stroke-width:1.4 !important;fill:none;stroke-linecap:round;stroke-linejoin:round}
    .val-card:nth-child(1) .val-icon svg, .val-card:nth-child(2) .val-icon svg, .val-card:nth-child(3) .val-icon svg { stroke: currentColor !important; }
    .val-card:hover .val-icon{opacity:.22;transform:scale(1.05) rotate(-2deg)}
    .val-card h3{font-family:var(--font-h);font-size:24px;font-weight:800;letter-spacing:-.022em;color:#0D1829;line-height:1.15;margin:14px 0 12px;max-width:18ch}
    .val-card p{font-family:var(--font-b);font-size:14px;font-weight:500;color:#5B6B7E;line-height:1.65;margin:0;max-width:42ch}

    /* ═══════════════════════════════════════════════════════
       COVERAGE EXPLORER — Premium tabs + cards
       ═══════════════════════════════════════════════════════ */
    .sec-coverage { background: var(--off); padding: 100px 32px; position: relative; }
    .sec-coverage::before {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
      background: linear-gradient(90deg, transparent, var(--border), transparent);
    }
    .coverage-toggle { display: flex; justify-content: center; margin-bottom: 48px; }
    .seg-control {
      display: inline-flex; background: var(--white); border: 1px solid var(--border);
      border-radius: 12px; padding: 4px; gap: 4px; box-shadow: var(--shadow-sm);
    }
    .seg-btn {
      font-family: var(--font-b); font-size: 14px; font-weight: 600;
      padding: 10px 28px; border-radius: 9px; border: none;
      background: transparent; color: var(--muted); cursor: pointer;
      transition: all .25s var(--ease); position: relative;
    }
    .seg-btn.active { background: var(--navy); color: #fff; box-shadow: 0 2px 8px rgba(7,25,46,.2); }
    .seg-btn:not(.active):hover { color: var(--text); background: var(--off); }
    .coverage-panel { display: none; }
    .coverage-panel.active { display: block; animation: panelFade .35s var(--ease); }
    @keyframes panelFade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }
    .cov-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 20px; max-width: 1200px; margin: 0 auto; }
    .cov-card {
      background: var(--white); border: 1px solid var(--border);
      border-radius: 16px; overflow: hidden;
      transition: all .3s var(--ease);
    }
    .cov-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: rgba(41,171,226,.2); }
    .cov-card-bar { height: 3px; }
    /* FIX-5 2026-04-15: single-tonal emerald for insurance coverage cards (was 5-color rainbow) */
    .cov-card:nth-child(1) .cov-card-bar,
    .cov-card:nth-child(2) .cov-card-bar,
    .cov-card:nth-child(3) .cov-card-bar,
    .cov-card:nth-child(4) .cov-card-bar,
    .cov-card:nth-child(5) .cov-card-bar { background: linear-gradient(90deg, #10B981, #059669); }
    .cov-card-body { padding: 24px; }
    .cov-card h3 {
      font-family: var(--font-h); font-size: 16px; font-weight: 700;
      color: var(--navy); margin-bottom: 16px;
      display: flex; align-items: center; gap: 8px;
    }
    .cov-card h3::before {
      content: ''; width: 6px; height: 6px; border-radius: 50%;
      flex-shrink: 0;
    }
    .cov-card:nth-child(1) h3::before,
    .cov-card:nth-child(2) h3::before,
    .cov-card:nth-child(3) h3::before,
    .cov-card:nth-child(4) h3::before,
    .cov-card:nth-child(5) h3::before { background: #10B981; }
    .cov-pills{ display: flex; flex-wrap: wrap; gap: 8px; }
    .ins-pill{
      display: inline-flex; align-items: center; gap: 6px;
      font-family: var(--font-b); font-size: 13px; font-weight: 500;
      color: var(--text); background: var(--off); border: 1px solid var(--border);
      border-radius: 8px; padding: 7px 14px;
      transition: all .2s var(--ease);
    }
    .ins-pill:hover { border-color: rgba(41,171,226,.3); background: rgba(41,171,226,.04); transform: translateY(-1px); }
    .ins-pill svg{ width: 13px; height: 13px; stroke: var(--blue); fill: none; stroke-width: 2; flex-shrink: 0; }

    /* ═══════════════════════════════════════════════════════
       PROCESS — Premium timeline
       ═══════════════════════════════════════════════════════ */
    .sec-process {
      background: var(--white); padding: 100px 32px;
      position: relative;
    }
    .process-grid {
      display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
      max-width: 1100px; margin: 0 auto; position: relative;
    }
    /* Connecting line behind steps */
    .process-grid::before {
      content: ''; position: absolute; top: 32px; left: calc(12.5% + 10px); right: calc(12.5% + 10px);
      height: 2px; background: linear-gradient(90deg, var(--blue), var(--purple), var(--orange));
      opacity: .15; z-index: 0;
    }
    .process-step {
      text-align: center; position: relative; z-index: 1;
      padding: 0 8px;
    }
    .process-num {
      width: 64px; height: 64px; border-radius: 16px;
      background: var(--navy); color: #fff;
      font-family: var(--font-h); font-size: 20px; font-weight: 800;
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 24px; position: relative;
      box-shadow: 0 4px 20px rgba(7,25,46,.15);
      transition: all .3s var(--ease);
    }
    .process-step:hover .process-num { transform: translateY(-4px); box-shadow: 0 8px 28px rgba(7,25,46,.2); background: var(--blue-dark); }
    .process-step h3 { font-family: var(--font-h); font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
    .process-step p { font-family: var(--font-b); font-size: 14px; color: var(--muted); line-height: 1.65; }

    /* ═══════════════════════════════════════════════════════
       YOUR TEAM — Premium portrait treatment
       ═══════════════════════════════════════════════════════ */
    .svc-advisor-sec {
      background: var(--off); padding: 100px 0;
      position: relative;
    }
    .svc-advisor-sec::before {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
      background: linear-gradient(90deg, transparent, var(--border), transparent);
    }
    .svc-advisor-sec .eyebrow {
      font-family: var(--font-b); font-size: 12px; font-weight: 700;
      letter-spacing: 2px; text-transform: uppercase;
      color: var(--blue-dark); margin-bottom: 14px;
      display: flex; align-items: center; gap: 10px;
    }
    .svc-advisor-sec .eyebrow::before { content: ''; width: 20px; height: 1.5px; background: var(--blue-dark); }
    .sec-960 { max-width: 960px; margin: 0 auto; padding: 0 32px; }
    .svc-adv-layout { display: grid; grid-template-columns: 45fr 55fr; gap: 56px; align-items: center; }
        .svc-adv-photo-wrap { display: flex; justify-content: center; position: relative; }
    .svc-adv-photo-bg { display: none; }
    .svc-adv-photo { width: 100%; max-width: 360px; min-height: 380px; border-radius: 20px; background: #fff; border: 1px solid var(--border); box-shadow: 0 4px 14px rgba(7,25,46,.05), 0 24px 64px rgba(7,25,46,.10); display: flex; flex-direction: column; padding: 28px 26px 24px; position: relative; overflow: hidden; }
    .svc-adv-photo::before { content:''; position:absolute; top:0; left:0; right:0; height:4px; background: linear-gradient(90deg, var(--blue) 0%, var(--blue-dark) 100%); }
    .svc-adv-photo svg { display:none; }
    .adv-card-header { display:flex; align-items:center; gap:14px; margin-bottom:20px; }
    .adv-card-avatar { width:56px; height:56px; border-radius:50%; background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 100%); color:#fff; display:flex; align-items:center; justify-content:center; font-family:var(--font-h); font-size:22px; font-weight:800; flex-shrink:0; overflow:hidden; }
    .adv-card-avatar img { width:100%; height:100%; object-fit:cover; display:block; border-radius:50%; }
    .adv-card-name { font-family:var(--font-h); font-size:17px; font-weight:700; color:var(--text); margin:0; line-height:1.2; }
    .adv-card-role { font-family:var(--font-b); font-size:13px; color:var(--muted); margin-top:3px; }
    .adv-card-status { display:inline-flex; align-items:center; gap:6px; padding:5px 11px; border-radius:999px; background:rgba(34,197,94,.12); color:#15803D; font-family:var(--font-h); font-size:11px; font-weight:700; letter-spacing:.06em; text-transform:uppercase; margin-bottom:18px; align-self:flex-start; border:1px solid rgba(34,197,94,.28); }
    .adv-card-status::before { content:''; width:7px; height:7px; border-radius:50%; background:#22C55E; box-shadow:0 0 0 3px rgba(34,197,94,.18); }
    .adv-card-stats { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:18px; }
    .adv-card-stat { background:var(--off); border:1px solid var(--border); border-radius:10px; padding:12px 14px; }
    .adv-card-stat-label{ font-family:var(--font-b); font-size:10px; font-weight:700; letter-spacing:.10em; text-transform:uppercase; color:var(--muted); }
    .adv-card-stat-value{ font-family:var(--font-h); font-size:18px; font-weight:800; color:var(--text); margin-top:2px; line-height:1.1; }
    .adv-card-tags{ display:flex; flex-wrap:wrap; gap:6px; margin-top:auto; padding-top:16px; border-top:1px solid var(--border); }
    .adv-card-tag{ font-family:var(--font-b); font-size:11px; font-weight:600; color:var(--blue-dark); background:rgba(41,171,226,.10); border:1px solid rgba(41,171,226,.22); border-radius:999px; padding:4px 10px; }
    .svc-adv-text h2 { margin-bottom: 24px; }
    .svc-adv-text p { font-family: var(--font-b); font-size: 1rem; font-weight: 400; color: var(--text); line-height: 1.75; margin-bottom: 16px; }
    .svc-adv-pullquote {
      font-family: var(--font-h); font-weight: 600; font-size: 1.2rem;
      color: var(--navy); line-height: 1.5;
      padding: 20px 24px; margin: 28px 0;
      border-left: 3px solid var(--orange);
      background: rgba(249,115,22,.03); border-radius: 0 12px 12px 0;
    }
    .svc-adv-micro { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 28px; }
    .svc-adv-micro-item {
      display: flex; align-items: center; gap: 8px;
      font-family: var(--font-b); font-size: 0.875rem; font-weight: 500; color: var(--navy);
      background: var(--white); border: 1px solid var(--border); border-radius: 10px;
      padding: 8px 14px; transition: all .2s var(--ease);
    }
    .svc-adv-micro-item:hover { border-color: rgba(34,197,94,.3); box-shadow: var(--shadow-sm); }
    .svc-adv-micro-item svg { width: 16px; height: 16px; stroke: var(--green); fill: none; stroke-width: 2.5; flex-shrink: 0; }
    .svc-adv-cta { margin-top: 32px; display: flex; flex-direction: column; gap: 12px; }
    .svc-adv-cta .btn-orange-solid {
      display: inline-flex; align-items: center; gap: 8px;
      background: var(--orange); color: #fff; border: none; border-radius: 12px;
      padding: 15px 28px; font-family: var(--font-b); font-size: 15px; font-weight: 700;
      text-decoration: none; cursor: pointer; width: fit-content;
      box-shadow: 0 4px 16px rgba(249,115,22,.25);
      transition: all .25s var(--ease);
    }
    .svc-adv-cta .btn-orange-solid:hover { background: var(--orange-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(249,115,22,.35); }
    .svc-adv-team-link { font-family: var(--font-b); font-size: 13px; font-weight: 600; color: var(--blue); text-decoration: none; display: inline-flex; align-items: center; gap: 4px; }
    .svc-adv-team-link:hover { color: var(--blue-dark); text-decoration: underline; }

    /* ═══════════════════════════════════════════════════════
       INSURANCE BY INDUSTRY — Refined cards
       ═══════════════════════════════════════════════════════ */
    .sec-by-industry { background: var(--white); padding: 100px 32px; }
    .ind-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px; max-width: 1200px; margin: 0 auto; }
    .ind-card {
      background: var(--white); border: 1px solid var(--border);
      border-radius: 14px; padding: 24px;
      transition: all .3s var(--ease); text-decoration: none; display: block;
      position: relative;
    }
    .ind-card::before {
      content: ''; position: absolute; top: 0; left: 24px; right: 24px;
      height: 2px; background: var(--blue); opacity: 0;
      border-radius: 0 0 2px 2px; transition: opacity .3s;
    }
    .ind-card:hover { border-color: rgba(41,171,226,.25); transform: translateY(-3px); box-shadow: var(--shadow-md); }
    .ind-card:hover::before { opacity: 1; }
    .ind-card h4 { font-family: var(--font-h); font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
    .ind-card .cov-pills{ margin-bottom: 14px; }
    .ind-card .ind-link {
      font-family: var(--font-b); font-size: 12px; font-weight: 600;
      color: var(--blue); display: inline-flex; align-items: center; gap: 4px;
      transition: gap .2s;
    }
    .ind-card:hover .ind-link { color: var(--blue-dark); gap: 6px; }

    /* ═══════════════════════════════════════════════════════
       FAQ — Premium accordion
       ═══════════════════════════════════════════════════════ */
    .svc-faq { padding: 100px 32px; background: var(--off); position: relative; }
    .svc-faq::before {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
      background: linear-gradient(90deg, transparent, var(--border), transparent);
    }
    .svc-faq .sec-head { margin-bottom: 56px; text-align: center; }
    .svc-faq .sec-head h2 { font-family: var(--font-h); font-size: clamp(26px,3.2vw,38px); font-weight: 800; color: var(--navy); margin-bottom: 14px; letter-spacing: -.02em; }
    .svc-faq .sec-head p { font-family: var(--font-b); font-size: 16px; color: var(--muted); max-width: 560px; margin: 0 auto; line-height: 1.6; }
    .faq-list { max-width: 760px; margin: 0 auto; }
    .faq-item {
      background: var(--white);
      border: 1px solid var(--border); border-radius: 14px;
      margin-bottom: 10px; overflow: hidden;
      transition: box-shadow .3s, border-color .3s;
    }
    .faq-item.open { box-shadow: var(--shadow-md); border-color: rgba(41,171,226,.15); }
    .faq-item.open .faq-chevron { transform: rotate(180deg); }
    .faq-q {
      width: 100%; background: none; border: none; cursor: pointer;
      display: flex; justify-content: space-between; align-items: center;
      padding: 20px 24px; text-align: left;
      transition: background .15s;
    }
    .faq-q:hover { background: rgba(244,248,252,.5); }
    .faq-q span {
      font-family: var(--font-b); font-size: 15px; font-weight: 600;
      color: var(--navy); line-height: 1.45; padding-right: 16px;
    }
    .faq-chevron { width: 18px; height: 18px; stroke: var(--muted-2); fill: none; stroke-width: 2; flex-shrink: 0; transition: transform .25s var(--ease); }
    .faq-a { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
    .faq-item.open .faq-a { max-height: 400px; }
    .faq-a p { padding: 0 24px 20px; font-family: var(--font-b); font-size: 14.5px; color: var(--muted); line-height: 1.75; }

    /* ═══════════════════════════════════════════════════════
       FINAL CTA — Stronger close
       ═══════════════════════════════════════════════════════ */
    .sec-cta {
      background: var(--grad-navy);
      position: relative; overflow: hidden;
      padding: 96px 32px; text-align: center;
    }
    .sec-cta::before {
      content: ''; position: absolute; inset: 0;
      background-image: radial-gradient(rgba(41,171,226,.05) 1px, transparent 1px);
      background-size: 24px 24px; pointer-events: none;
    }
    .sec-cta::after {
      content: ''; position: absolute;
      width: 600px; height: 600px; border-radius: 50%;
      background: radial-gradient(circle, rgba(41,171,226,.08) 0%, transparent 70%);
      top: 50%; left: 50%; transform: translate(-50%, -50%);
      pointer-events: none;
    }
    .sec-cta > * { position: relative; z-index: 1; }
    .cta-h2 {
      font-family: var(--font-h); font-size: clamp(30px, 4.5vw, 44px);
      font-weight: 900; color: var(--white); margin-bottom: 16px; letter-spacing: -0.03em;
    }
    .cta-sub { font-family: var(--font-b); font-size: 17px; color: rgba(255,255,255,.75); max-width: 540px; margin: 0 auto 36px; line-height: 1.7; }
    .btn-cta-primary, .btn-primary {
      display: inline-flex; align-items: center; gap: 8px;
      font-family: var(--font-b); font-size: 16px; font-weight: 700;
      padding: 17px 40px; border: none; border-radius: 12px;
      background: var(--orange); color: #fff; cursor: pointer;
      box-shadow: 0 4px 20px rgba(249,115,22,.3), inset 0 1px 0 rgba(255,255,255,.15);
      transition: all .25s var(--ease); text-decoration: none;
    }
    .btn-cta-primary:hover, .btn-primary:hover { background: #EA6C10; transform: translateY(-2px); box-shadow: 0 8px 30px rgba(249,115,22,.4); }
    .btn-cta-primary:active, .btn-primary:active { transform: scale(.97) translateY(1px); }
    .cta-phone, .btn-tel { display: block; margin-top: 20px; font-family: var(--font-b); font-size: 15px; font-weight: 600; color: rgba(255,255,255,.65); text-decoration: none; transition: color .2s; }
    .cta-phone:hover, .btn-tel:hover { color: var(--blue); }

    /* ── FOOTER ──────────────────────────────────────────── */
    footer { background: #040E1A; padding: 64px 32px 32px; color: rgba(255,255,255,.72); position: relative; }
    .ft { max-width: 1200px; margin: 0 auto; }
    .ft-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
    .ft-logo img { height: 36px; width: auto; display: block; margin-bottom: 14px; }
    .ft-tagline{ font-family: var(--font-b); font-size: 13.5px; color: rgba(255,255,255,.30); line-height: 1.65; margin-bottom: 20px; }
    .ft-phone { display: inline-flex; align-items: center; gap: 7px; font-family: var(--font-b); font-size: 14.5px; font-weight: 700; color: var(--blue); text-decoration: none; transition: color .15s; }
    .ft-phone:hover { color: #7DD4F5; }
    .ft-col h3 { font-family: var(--font-b); font-size: 11px; font-weight: 700; letter-spacing: 1.4px; text-transform: uppercase; color: rgba(255,255,255,.70); margin-bottom: 16px; }
    .ft-col a { display: block; font-family: var(--font-b); font-size: 14px; color: rgba(255,255,255,.88); text-decoration: none; margin-bottom: 10px; transition: color .15s; }
    .ft-col a:hover { color: #fff; }
    .ft-bottom { border-top: 1px solid rgba(255,255,255,.06); padding-top: 28px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; font-family: var(--font-b); font-size: 12.5px; }
    .ft-legal { display: flex; gap: 20px; }
    .ft-legal a { color: rgba(255,255,255,.26); text-decoration: none; transition: color .15s; }
    .ft-legal a:hover { color: #fff; }

    /* ── CALLBACK WIDGET ────────────────────────────────── */
    .callback-widget { position: fixed; bottom: 24px; right: 24px; z-index: 500; }
    .callback-trigger { width: 56px; height: 56px; border-radius: 50%; background: var(--orange); border: none; cursor: pointer; display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 20px rgba(249,115,22,.3); transition: transform 0.2s ease, box-shadow 0.2s ease; }
    .callback-trigger:hover { transform: scale(1.08); box-shadow: 0 6px 24px rgba(249,115,22,.4); }
    .callback-trigger svg { width: 24px; height: 24px; stroke: #fff; fill: none; }
    .callback-panel { display: none; position: absolute; bottom: 70px; right: 0; width: 320px; background: #fff; border-radius: 16px; box-shadow: 0 12px 40px rgba(7,25,46,.15); padding: 24px; transform-origin: bottom right; }
    .callback-panel.open { display: block; animation: cbSlideUp 0.3s ease forwards; }
    @keyframes cbSlideUp { from { opacity: 0; transform: translateY(10px) scale(0.95); } to { opacity: 1; transform: translateY(0) scale(1); } }
    .callback-panel h3 { font-family: var(--font-h); font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
    .callback-panel p { font-size: 14px; color: var(--muted); margin-bottom: 16px; }
    .callback-panel input { width: 100%; padding: 12px 16px; border: 1.5px solid var(--border); border-radius: 10px; font-size: 15px; margin-bottom: 12px; font-family: var(--font-b); }
    .callback-panel input:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(41,171,226,.15); outline: none; }
    .callback-submit { width: 100%; padding: 12px; border: none; border-radius: 10px; background: var(--orange); color: #fff; font-weight: 600; font-size: 15px; cursor: pointer; box-shadow: 0 4px 14px rgba(249,115,22,.18); }
    .callback-success { text-align: center; padding: 20px 0; }
    .callback-success svg { width: 48px; height: 48px; stroke: #10B981; margin-bottom: 12px; }

    /* ── MOBILE STICKY CTA BAR ─────────────────────────── */
    .mob-sticky-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 400; background: rgba(255,255,255,.95); backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px); border-top: 1px solid var(--border); padding: 12px 16px; box-shadow: 0 -4px 20px rgba(7,25,46,.08); }
    @media (max-width: 1024px) { .mob-sticky-cta { display: flex; gap: 10px; align-items: center; } body { padding-bottom: 72px; } }
    .mob-sticky-cta .mob-cta-btn { flex: 1; padding: 14px 20px; border-radius: 12px; font-family: var(--font-h); font-size: 15px; font-weight: 700; text-align: center; text-decoration: none; transition: transform 0.15s ease; min-height: 44px; display: flex; align-items: center; justify-content: center; }
    .mob-sticky-cta .mob-cta-btn:active { transform: scale(0.97); }
    .mob-sticky-cta .mob-cta-primary { background: var(--orange); color: #fff; box-shadow: 0 4px 14px rgba(249,115,22,.18); }
    .mob-sticky-cta .mob-cta-secondary { background: transparent; color: var(--navy); border: 1.5px solid var(--border); }

    /* ── SCROLL REVEAL ───────────────────────────────────── */
    .reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s var(--ease-out), transform .7s var(--ease-out); }
    .reveal.revealed { opacity: 1; transform: translateY(0); }
    .ins-hero .reveal { opacity: 1; transform: translateY(0); }
    .reveal-d1 { transition-delay: .06s; }
    .reveal-d2 { transition-delay: .14s; }
    .reveal-d3 { transition-delay: .22s; }
    .reveal-d4 { transition-delay: .30s; }
    .reveal-d5 { transition-delay: .38s; }
    .reveal-d6 { transition-delay: .46s; }

    /* ── CTA PRESS STATES ─────────────────────────────── */
    .btn-primary:active, .btn-cta-primary:active, .btn-nav-primary:active { transform: scale(0.97) translateY(1px); transition: transform 0.1s ease; }

    /* ── RESPONSIVE ──────────────────────────────────────── */
    @media (max-width: 1100px) {
      .hero-container { grid-template-columns: 1fr; text-align: center; }
      .hero-sub { margin-left: auto; margin-right: auto; }
      .hero-ctas { justify-content: center; }
      .hero-stats { justify-content: center; }
      .hero-stat-item:not(:last-child)::after { display: none; }
      .hero-visual { padding-top: 24px; }
      .hero-network { max-width: 360px; margin: 0 auto; }
      .hero-h1 { font-size: clamp(32px, 5.5vw, 46px); }
      .hero-eyebrow { justify-content: center; }
    }
    @media (max-width: 960px) {
      nav { display: none; } .btn-nav-ghost { display: none; } .ham { display: flex; } .mob-overlay { display: block; }
      .ins-hero { padding: 48px 24px 56px; min-height: auto; }
      .hero-h1 { font-size: clamp(28px, 7vw, 40px); }
      .hero-sub { font-size: clamp(15px, 3.5vw, 17px); }
      .hero-ctas { flex-direction: column; }
      .hero-ctas a { width: 100%; justify-content: center; }
      .sec-value, .sec-coverage, .sec-process, .sec-by-industry{ padding: 72px 24px; }
      .svc-faq { padding: 72px 24px; }
      .sec-cta { padding: 64px 24px; }
      .sec-h2 { font-size: clamp(24px, 5vw, 30px); }
      .cta-h2 { font-size: clamp(26px, 5vw, 32px); }
      .process-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
      .process-grid::before { display: none; }
      .ft-top { grid-template-columns: 1fr 1fr 1fr; gap: 32px; }
      .breadcrumb { padding: 12px 24px 0; }
    }
    @media (max-width: 900px) {
      .val-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
      .svc-adv-layout { grid-template-columns: 1fr; gap: 32px; text-align: center; }
      .svc-adv-photo-wrap { order: -1; }
      .svc-adv-pullquote { text-align: left; }
      .svc-adv-micro { justify-content: center; }
      .svc-adv-cta { align-items: center; }
      .svc-advisor-sec .eyebrow { justify-content: center; }
      .cov-grid { grid-template-columns: 1fr; }
      .ind-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
    }
    @media (max-width: 480px) {
      .ft-top { grid-template-columns: 1fr; }
      .process-grid { grid-template-columns: 1fr; }
      .hero-stats { flex-direction: column; gap: 16px; align-items: center; }
    }

    a.btn-primary, a.btn-cta-primary { color: #fff !important; text-decoration: none !important; }
    a.btn-ghost { color: rgba(255,255,255,.85) !important; text-decoration: none !important; }
    a.btn-nav-primary { color: #fff !important; text-decoration: none !important; }
    a.mob-cta-primary { color: #fff !important; text-decoration: none !important; }

    @media (max-width: 1024px) {
      :root {
        --shadow-md: 0 2px 12px rgba(7,25,46,.06);
        --shadow-sm: 0 1px 6px rgba(7,25,46,.04);
        --shadow-lg: 0 8px 28px rgba(7,25,46,.07);
      }
    }
  
    /* ── Injected hero background image ─────────────── */
    .ins-hero { position: relative; isolation: isolate; }
    .ins-hero .vshr-hero-bg { position: absolute; inset: 0; background: image-set(url('/generated-images/hero-insurance.avif') type('image/avif'), url('/generated-images/hero-insurance.webp') type('image/webp'), url('/generated-images/hero-insurance.jpeg') type('image/jpeg')) center center / cover no-repeat; z-index: -1; opacity: .35; pointer-events: none; }
    .ins-hero .vshr-hero-bg::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(7,25,46,.55) 0%, rgba(7,25,46,.20) 45%, rgba(7,25,46,.65) 100%); }
/*callback-widget-mobile-hide-v1*/
@media (max-width: 767px) {
  .callback-widget { display: none !important; }
  .mob-sticky-cta { display: flex !important; }
}
/* reduced-motion-v1 */
@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important;}}
/* mobile-qa-v1 */
@media (max-width: 767px) {
  .btn, button, .btn-primary, .btn-secondary, .btn-outline, .cta, [class*="btn-"], a.button, input[type="submit"], input[type="button"] {
    min-height: 44px !important;
    min-width: 44px !important;
    padding: 12px 18px !important;
  }
  p, li, span, a, td, th, label, input, select, textarea, button, {
    font-size: max(14px, 1em) !important;
  }
  body, main, section, div, table, .container, .wrap, [class*="-wrap"], [class*="-grid"] {
    max-width: 100% !important;
  }
  img, video, iframe, svg { max-width: 100% !important; height: auto; }
  table { display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .mob-drawer, [class*="drawer"], .nav-drawer { width: 88vw !important; max-width: 320px !important; }
  html { overflow-x: hidden !important; }
}
@media (max-width: 359px) {
  .mob-drawer, [class*="drawer"], .nav-drawer { width: 96vw !important; max-width: 100vw !important; }
}
/* scroll-margin-anchor-v2 */
[id], section[id], h1[id], h2[id], h3[id], h4[id] { scroll-margin-top: 130px; }

/* faq-q text override (markup has text directly in button, no span) */
.faq-item{background:#fff}
.faq-q{font-family:var(--font-b)!important;font-size:15.5px!important;font-weight:600!important;color:var(--navy)!important;background:#fff!important;line-height:1.45;gap:14px;width:100%;border:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;padding:18px 24px;text-align:left;transition:background .15s}
.faq-q:hover{background:var(--off)!important}
.faq-q svg{width:18px;height:18px;flex-shrink:0;stroke:var(--blue-dark);fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;transition:transform .25s var(--ease)}
.faq-item.open .faq-q svg{transform:rotate(180deg)}
.faq-item.open .faq-a{max-height:600px}
.faq-a-inner{padding:0 24px 22px;font-family:var(--font-b);font-size:15px;line-height:1.65;color:var(--muted)}
.faq-a-inner a{color:var(--blue-dark);text-decoration:underline}

/* §2 */
.sec-cross{background:#F4F8FC;padding:80px 32px}
.sec-cross .wrap{max-width:1100px;margin:0 auto}
{font-size:.78rem;font-weight:700;letter-spacing:.12em;color:#9A330A;text-transform:uppercase;margin-bottom:12px}
.sec-cross .sec-h2{font-size:clamp(1.8rem,3.4vw,2.4rem);font-weight:800;color:#0D1829;margin:0 0 32px;line-height:1.2}
.cross-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:860px){.cross-grid{grid-template-columns:1fr}}
.cross-card{background:#fff;border:1px solid rgba(13,24,41,.08);border-radius:14px;padding:28px;text-decoration:none;color:inherit;transition:transform .2s,box-shadow .2s,border-color .2s;display:block;position:relative;overflow:hidden}
.cross-card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,#1E40AF,#3B82F6);transition:height .2s}
.cross-card:nth-child(2)::before{background:linear-gradient(90deg,#F97316,#EA580C)}
.cross-card:nth-child(3)::before{background:linear-gradient(90deg,#38B2AC,#1E40AF)}
.cross-card:hover{transform:translateY(-3px);box-shadow:0 12px 32px rgba(13,24,41,.1);border-color:rgba(13,24,41,.16)}
.cross-card:hover::before{height:5px}
/* Premium gradient SVG art slot */
.cross-card-icon{width:56px;height:56px;display:inline-flex;align-items:center;justify-content:center;margin-bottom:16px;background:none;border-radius:0;transition:transform .32s cubic-bezier(.34,1.56,.64,1)}
.cross-card:hover .cross-card-icon{transform:scale(1.06)}
.cross-card-icon svg{width:100%;height:100%;overflow:visible}
.cross-card:nth-child(3) .cross-card-icon svg{stroke:#38B2AC}
.cross-card h3{font-size:1.15rem;font-weight:700;color:#0D1829;margin:0 0 10px}
.cross-card p{font-size:.92rem;line-height:1.55;color:#3D5266;margin:0 0 14px}
.cross-link{font-size:.88rem;font-weight:600;color:#1E40AF;display:inline-flex;align-items:center;gap:6px;transition:gap .2s}
.cross-card:hover .cross-link{gap:10px}

/* §3 */
@media (max-width: 1024px) {
  .cb-fab, .callback-trigger { bottom: calc(90px + env(safe-area-inset-bottom, 0px)) !important; }
  .cb-panel, .callback-panel { bottom: calc(160px + env(safe-area-inset-bottom, 0px)) !important; width: min(320px, 90vw) !important; }
  body { padding-bottom: calc(70px + env(safe-area-inset-bottom, 0px)); }
  .mob-sticky-cta { padding-bottom: env(safe-area-inset-bottom, 0px); }
}

/* ═══════════════════════════════════════════════════════════════════════════
   INSURANCE SIGNATURE POLISH — 2026-05-19 pass 9.

   The IIG orbital-beams hero is already elaborate. Adding two polish
   touches that make the orbital read as more "active":
     1. Staggered entrance reveal on the 8 orbital nodes (Liability,
        Cyber, Property, Auto, Bonds, EPLI, D&O, E&O) so they fly into
        position on first paint instead of all appearing at once
     2. Active-line indicator: a subtle accent ring that travels around
        the orbit, briefly highlighting each line of business in turn
        (suggests VSHR/IIG is actively servicing all 8 simultaneously)
   ═══════════════════════════════════════════════════════════════════════════ */

/* Staggered entrance — each orbital node fades in + scales up in order
   around the clock face. Plays once. */
.orbital-node {
  animation:
    nodeBob 6s ease-in-out infinite,
    iig-node-enter .6s cubic-bezier(.22, 1, .36, 1) backwards;
}
.orbital-node.n-12 { animation-delay: 0s,    0.2s; }
.orbital-node.n-13 { animation-delay: .4s,   0.32s; }
.orbital-node.n-15 { animation-delay: .8s,   0.44s; }
.orbital-node.n-17 { animation-delay: 1.2s,  0.56s; }
.orbital-node.n-18 { animation-delay: 1.6s,  0.68s; }
.orbital-node.n-19 { animation-delay: 2.0s,  0.80s; }
.orbital-node.n-21 { animation-delay: 2.4s,  0.92s; }
.orbital-node.n-23 { animation-delay: 2.8s,  1.04s; }
@keyframes iig-node-enter {
  from {
    opacity: 0;
    transform: scale(0.6) translate(0, -4px);
    filter: blur(4px);
  }
  to {
    opacity: 1;
    transform: scale(1) translate(0, 0);
    filter: blur(0);
  }
}

/* Active-line cycle — every 4 seconds, one node gets a brighter ring
   to suggest "this line of business is actively being serviced." Cycles
   through all 8 nodes over a 32-second loop. The :nth-of-type matches
   the n-* class order in the markup. */
.orbital-node {
  position: absolute;
}
.orbital-node::before {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: 22px;
  border: 1.5px solid rgba(41, 171, 226, 0.4);
  opacity: 0;
  pointer-events: none;
  transition: opacity .6s ease;
}
.hero-orbital .orbital-node:nth-of-type(1)::before { animation: iig-active-cycle 32s linear infinite 0s; }
.hero-orbital .orbital-node:nth-of-type(2)::before { animation: iig-active-cycle 32s linear infinite 4s; }
.hero-orbital .orbital-node:nth-of-type(3)::before { animation: iig-active-cycle 32s linear infinite 8s; }
.hero-orbital .orbital-node:nth-of-type(4)::before { animation: iig-active-cycle 32s linear infinite 12s; }
.hero-orbital .orbital-node:nth-of-type(5)::before { animation: iig-active-cycle 32s linear infinite 16s; }
.hero-orbital .orbital-node:nth-of-type(6)::before { animation: iig-active-cycle 32s linear infinite 20s; }
.hero-orbital .orbital-node:nth-of-type(7)::before { animation: iig-active-cycle 32s linear infinite 24s; }
.hero-orbital .orbital-node:nth-of-type(8)::before { animation: iig-active-cycle 32s linear infinite 28s; }
@keyframes iig-active-cycle {
  0%, 6%   { opacity: 0; transform: scale(1); }
  3%       { opacity: 1; transform: scale(1.08); border-color: rgba(249, 115, 22, 0.6); }
  12%, 100% { opacity: 0; transform: scale(1); }
}

@media (prefers-reduced-motion: reduce) {
  .orbital-node,
  .orbital-node::before { animation: none !important; opacity: 1; transform: none; }
}

/* ─────────────────────────────────────────────────────────────────────
   .ins-coverage-explorer — Legacy "40+ coverage lines" tabbed grid
   (ported 2026-05-20 from page-insurance.html lines 653-716).
   Faithful to the production v2026-04-15 design: emerald-tonal cards,
   shield-icon pills, segmented Commercial/Personal toggle.
   ───────────────────────────────────────────────────────────────────── */
.ins-coverage-explorer {
  background: var(--off, #F4F8FC);
  position: relative;
}
.ins-coverage-explorer::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--border, #E2ECF4), transparent);
}
.ins-coverage-explorer__inner { max-width: 1200px; margin: 0 auto; padding: 0 32px; }
.ins-coverage-explorer .sec-head { margin-bottom: 36px; }
.ins-coverage-explorer .sec-head h2 {
  font-family: var(--font-h); font-size: clamp(28px, 3.4vw, 38px);
  font-weight: 800; color: var(--navy, #07192E); letter-spacing: -0.02em;
  margin: 8px 0; line-height: 1.15;
}
.ins-coverage-explorer .sec-head p {
  font-family: var(--font-b); font-size: 17px; line-height: 1.55;
  color: var(--muted, #475569); max-width: 680px; margin: 0 auto;
}
.ins-coverage-explorer .sec-label {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--font-b); font-size: 11px; font-weight: 800;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--blue, #1479A3); margin-bottom: 4px;
}
.ins-coverage-explorer .coverage-toggle { display: flex; justify-content: center; margin-bottom: 48px; }
.ins-coverage-explorer .seg-control {
  display: inline-flex; background: var(--white, #fff);
  border: 1px solid var(--border, #E2ECF4);
  border-radius: 12px; padding: 4px; gap: 4px;
  box-shadow: 0 1px 4px rgba(7,25,46,.06), 0 1px 2px rgba(7,25,46,.04);
}
.ins-coverage-explorer .seg-btn {
  font-family: var(--font-b); font-size: 14px; font-weight: 600;
  padding: 10px 28px; border-radius: 9px; border: none;
  background: transparent; color: var(--muted, #475569); cursor: pointer;
  transition: background .25s ease, color .25s ease, box-shadow .25s ease;
}
.ins-coverage-explorer .seg-btn.active {
  background: var(--navy, #07192E); color: #fff;
  box-shadow: 0 2px 8px rgba(7,25,46,.2);
}
.ins-coverage-explorer .seg-btn:not(.active):hover {
  color: var(--text, #0D1829); background: var(--off, #F4F8FC);
}
.ins-coverage-explorer .coverage-panel { display: none; }
.ins-coverage-explorer .coverage-panel.active {
  display: block;
  animation: ins-cov-panel-fade .35s cubic-bezier(.22,1,.36,1);
}
@keyframes ins-cov-panel-fade {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.ins-coverage-explorer .cov-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 20px; max-width: 1200px; margin: 0 auto;
}
.ins-coverage-explorer .cov-card {
  background: var(--white, #fff);
  border: 1px solid var(--border, #E2ECF4);
  border-radius: 16px; overflow: hidden;
  transition: transform .3s cubic-bezier(.22,1,.36,1),
              box-shadow .3s cubic-bezier(.22,1,.36,1),
              border-color .3s cubic-bezier(.22,1,.36,1);
}
.ins-coverage-explorer .cov-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 4px 24px rgba(7,25,46,.08), 0 2px 8px rgba(7,25,46,.04);
  border-color: rgba(41,171,226,.2);
}
.ins-coverage-explorer .cov-card-bar {
  height: 3px;
  background: linear-gradient(90deg, #10B981, #059669);
}
.ins-coverage-explorer .cov-card-body { padding: 24px; }
.ins-coverage-explorer .cov-card h3 {
  font-family: var(--font-h); font-size: 16px; font-weight: 700;
  color: var(--navy, #07192E); margin: 0 0 16px;
  display: flex; align-items: center; gap: 8px;
}
.ins-coverage-explorer .cov-card h3::before {
  content: ''; width: 6px; height: 6px; border-radius: 50%;
  background: #10B981; flex-shrink: 0;
}
.ins-coverage-explorer .cov-pills { display: flex; flex-wrap: wrap; gap: 8px; }
.ins-coverage-explorer .ins-pill {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--font-b); font-size: 13px; font-weight: 500;
  color: var(--text, #0D1829);
  background: var(--off, #F4F8FC);
  border: 1px solid var(--border, #E2ECF4);
  border-radius: 8px; padding: 7px 14px;
  transition: all .2s cubic-bezier(.22,1,.36,1);
}
.ins-coverage-explorer .ins-pill:hover {
  border-color: rgba(41,171,226,.3);
  background: rgba(41,171,226,.04);
  transform: translateY(-1px);
}
.ins-coverage-explorer .ins-pill svg {
  width: 13px; height: 13px;
  stroke: var(--blue, #1479A3); fill: none; stroke-width: 2;
  flex-shrink: 0;
}

/* ── MOBILE OPTIMISATIONS (390px / iPhone 14 Pro) ───────────────────────────
   All rules scoped to max-width:767.98px so desktop is untouched.
   Added 2026-06-01 — page-specific pass from mobile-boil-the-lake audit.
   ─────────────────────────────────────────────────────────────────────────── */
@media (max-width: 767.98px) {

  /* 1. Coverage-explorer segment tabs: raise from 14px → 16px for readability
        on narrow viewports. Targets #tab-commercial / #tab-personal buttons.  */
  .seg-btn,
  .ins-coverage-explorer .seg-btn {
    font-size: 16px;
    padding: 12px 20px;
    min-height: 44px;
  }

  /* 2. Phone number link in final-CTA section: raise from 15px → 16px.
        The second btn-tel instance measured 14px — explicit floor here.     */
  .btn-tel,
  .cta-phone {
    font-size: 16px;
  }

  /* 3. Trust-bar eyebrow label: 11px is below the 12px floor for tracked-
        uppercase micro-labels. Raise to 12px.                               */
  .trust-bar-label {
    font-size: 12px;
  }

  /* 4. Coverage grid: explicit 1-column at 767.98px breakpoint.
        The 900px rule already collapses it, but the base rule uses
        minmax(320px,1fr) which can still cause overflow on narrow containers.
        Restating here ensures the single-column layout holds firm.          */
  .cov-grid,
  .ins-coverage-explorer .cov-grid {
    grid-template-columns: minmax(0, 1fr);
  }

}