/* ============================================================
   Savvy Insurance — design system
   Brand tokens extracted from the original Elementor site.
   ============================================================ */
@import url("/assets/fonts/google-fonts/css/inter.css");

:root {
  --blue: #00267C;          /* primary */
  --blue-2: #01309C;
  --mint: #22CBAD;          /* secondary / CTA — reserved for actions */
  --mint-dark: #17a98f;
  --ink: #0B1220;           /* near-black (not pure black) */
  --text: #5B6478;          /* body text */
  --muted: #7A8296;
  --bg: #ffffff;
  --bg-soft: #F7F9FC;       /* neutral 50 */
  --n100: #EDF1F7;
  --bg-mint: #D7F4ED;
  --border: #E3E9F2;        /* neutral 200 */
  --radius: 16px;
  --radius-sm: 12px;
  --shadow: 0 10px 30px rgba(11, 18, 32, 0.06);
  --shadow-lg: 0 24px 60px rgba(11, 18, 32, 0.12);
  --container: 1160px;
  --font: "Inter", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --display: var(--font); /* Inter-only UI */
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  font-size: 17px;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { font-family: var(--display); color: var(--ink); line-height: 1.1; margin: 0 0 .5em; font-weight: 700; letter-spacing: -0.02em; }
h1 { font-size: clamp(2.6rem, 5vw, 4rem); letter-spacing: -0.03em; }
h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); }
h3 { font-size: 1.3rem; letter-spacing: -0.01em; }
p { margin: 0 0 1.1em; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 22px; }
.section { padding: 72px 0; }
.section--soft { background: var(--bg-soft); }
.eyebrow { color: var(--mint-dark); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; font-size: .8rem; }
.center { text-align: center; }
.lead { font-size: 1.15rem; color: var(--text); }

/* Buttons */
.btn { display: inline-block; padding: 14px 26px; border-radius: 999px; font-weight: 700; font-family: var(--font);
  cursor: pointer; border: 2px solid transparent; transition: transform .15s ease, box-shadow .15s ease, background .15s ease; }
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn--primary { background: var(--mint); color: #04352c; }
.btn--primary:hover { background: var(--mint-dark); color: #fff; }
.btn--ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.btn--ghost:hover { background: rgba(255,255,255,.12); }
.btn--outline { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn--outline:hover { background: var(--blue); color: #fff; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(8px); border-bottom: 1px solid var(--border); }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 14px 0; }
.nav__logo img { height: 42px; }
.nav__links { display: flex; align-items: center; gap: 26px; list-style: none; margin: 0; padding: 0; }
.nav__links a { color: var(--ink); font-weight: 600; }
.nav__links a:hover { color: var(--blue); text-decoration: none; }
.nav__toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav__toggle span { display: block; width: 26px; height: 2px; background: var(--ink); margin: 5px 0; transition: .2s; }

/* Hero */
.hero { background: radial-gradient(1200px 500px at 80% -10%, var(--blue-2) 0%, var(--blue) 45%, #001a57 100%); color: #fff; }
.hero__grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 40px; align-items: center; padding: 84px 0; }
.hero h1 { color: #fff; }
.hero p { color: rgba(255,255,255,.85); font-size: 1.15rem; max-width: 42ch; }
.hero__cta { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 26px; }
.hero__art { border-radius: var(--radius); box-shadow: var(--shadow-lg); overflow: hidden; }
.hero__art img { width: 100%; }

/* Cards / grids */
.grid { display: grid; gap: 24px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow);
  overflow: hidden; transition: transform .18s ease, box-shadow .18s ease; display: flex; flex-direction: column; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card__body { padding: 22px; }
.card__body h3 { margin-bottom: .35em; }
.card__thumb { aspect-ratio: 16/9; object-fit: cover; width: 100%; }
.card__meta { color: var(--muted); font-size: .85rem; margin-bottom: .5em; }
.card__more { font-weight: 700; color: var(--blue); }

/* Product tiles */
.product { display: flex; gap: 16px; align-items: flex-start; padding: 22px; background: #fff;
  border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); }
.product__icon { flex: 0 0 auto; width: 52px; height: 52px; border-radius: 12px; background: var(--bg-mint);
  display: grid; place-items: center; color: var(--blue); }
.product__icon svg { width: 26px; height: 26px; }
.product h3 { font-size: 1.12rem; margin-bottom: .25em; }
.product p { margin: 0; font-size: .95rem; }

/* Feature strip */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.feature { text-align: center; }
.feature__num { font-family: var(--display); font-size: 2.4rem; color: var(--mint-dark); }

/* Article (blog post) */
.post-hero { background: var(--bg-soft); padding: 52px 0 32px; }
.post-hero .container { max-width: 820px; }
.article { max-width: 780px; margin: 0 auto; padding: 40px 22px 72px; }
.article img { border-radius: var(--radius-sm); margin: 1.4em auto; box-shadow: var(--shadow); }
.article h2 { margin-top: 1.8em; }
.article h3 { margin-top: 1.4em; }
.article ul, .article ol { padding-left: 1.3em; margin: 0 0 1.2em; }
.article li { margin: .35em 0; }
.article a { text-decoration: underline; text-underline-offset: 2px; }
.article blockquote { border-left: 4px solid var(--mint); margin: 1.4em 0; padding: .4em 1.2em; color: var(--ink);
  background: var(--bg-mint); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.article table { width: 100%; border-collapse: collapse; margin: 1.4em 0; font-size: .95rem; }
.article th, .article td { border: 1px solid var(--border); padding: 10px 12px; text-align: left; }
.article th { background: var(--bg-soft); }
.article figure { margin: 1.4em 0; }
.post-tag { display: inline-block; background: var(--bg-mint); color: var(--blue); font-weight: 700;
  font-size: .78rem; padding: 4px 12px; border-radius: 999px; }

/* Blog listing */
.pagination { display: flex; gap: 10px; justify-content: center; margin-top: 40px; flex-wrap: wrap; }
.pagination a, .pagination span { padding: 10px 16px; border-radius: 10px; border: 1px solid var(--border); font-weight: 600; }
.pagination .is-active { background: var(--blue); color: #fff; border-color: var(--blue); }

/* CTA band */
.cta-band { background: linear-gradient(120deg, var(--blue), var(--blue-2)); color: #fff; border-radius: 20px;
  padding: 46px; text-align: center; box-shadow: var(--shadow-lg); }
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.85); max-width: 52ch; margin: 0 auto 22px; }
.cta-band__note { font-size: .85rem; color: rgba(255,255,255,.7); font-weight: 600; margin: 14px 0 0 !important; }

/* Footer */
.site-footer { background: #041b52; color: rgba(255,255,255,.8); padding: 62px 0 26px; margin-top: 20px; }
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 1em; }
.footer__grid { display: grid; grid-template-columns: 1.6fr repeat(4, 1fr); gap: 30px; }
.footer__grid a { color: rgba(255,255,255,.8); }
.footer__grid a:hover { color: #fff; }
.footer__grid ul { list-style: none; margin: 0; padding: 0; }
.footer__grid li { margin: .5em 0; }
.footer__logo { height: 40px; margin-bottom: 16px; }
.footer__bottom { border-top: 1px solid rgba(255,255,255,.15); margin-top: 40px; padding-top: 20px;
  display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: .85rem; color: rgba(255,255,255,.6); }
.socials { display: flex; gap: 12px; }
.socials a { width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,.1); display: grid; place-items: center; }
.socials svg { width: 18px; height: 18px; fill: #fff; }

/* Forms */
.quote-form { display: grid; gap: 14px; }
.quote-form .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.quote-form label { display: grid; gap: 6px; font-weight: 600; color: var(--ink); font-size: .9rem; }
.quote-form input, .quote-form select, .quote-form textarea {
  font: inherit; padding: 12px 14px; border: 1px solid var(--border); border-radius: 10px; background: #fff; color: var(--ink);
  width: 100%; min-width: 0; box-sizing: border-box; }
.hero__grid > * { min-width: 0; }
.quote-form textarea { resize: vertical; }
.quote-form input:focus, .quote-form select:focus, .quote-form textarea:focus {
  outline: 2px solid var(--mint); border-color: var(--mint); }
.quote-form .btn { justify-self: start; }
.quote-form .form-note { font-size: .78rem; color: var(--muted); font-weight: 400; margin: 0; }
.quote-form .form-note a { color: var(--blue); }
.cta-band .quote-form label { color: #fff; }
.cta-band .quote-form .form-note, .cta-band .quote-form .form-note a { color: rgba(255,255,255,.8); }

details.card summary { list-style: none; }
details.card summary::-webkit-details-marker { display: none; }
details.card summary::after { content: "+"; float: right; color: var(--mint-dark); font-weight: 700; }
details.card[open] summary::after { content: "–"; }

/* Hero trust badges */
.hero__badges { list-style: none; display: flex; flex-wrap: wrap; gap: 18px; margin: 22px 0 0; padding: 0; }
.hero__badges li { color: rgba(255,255,255,.9); font-weight: 600; font-size: .92rem; }
.hero__stat { margin: 14px 0 0; color: var(--mint); font-weight: 700; }

/* Trust bar */
.trust-bar { background: var(--blue-2); }
.trust-bar__row { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px 34px; padding: 16px 22px; }
.trust-badge { display: inline-flex; align-items: center; gap: 8px; color: #fff; font-weight: 600; font-size: .92rem; }
.trust-badge svg { width: 18px; height: 18px; color: var(--mint); flex: 0 0 auto; }

/* How it works steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.step { text-align: center; padding: 8px; position: relative; }
.step__num { width: 54px; height: 54px; margin: 0 auto 14px; border-radius: 50%; background: var(--bg-mint); color: var(--blue);
  font-family: var(--display); font-size: 1.5rem; font-weight: 700; display: grid; place-items: center; }
.step h3 { font-size: 1.15rem; }

/* Product tiles (homepage grid) */
.product--tile { flex-direction: column; text-align: left; }
.product--tile .card__more { display: inline-block; margin-top: 8px; }

/* Provider chips */
.providers { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; max-width: 820px; margin: 0 auto; }
.provider-chip { background: #fff; border: 1px solid var(--border); border-radius: 999px; padding: 10px 20px;
  font-weight: 700; color: var(--ink); box-shadow: var(--shadow); transition: transform .15s ease, box-shadow .15s ease; }
.provider-chip:hover { text-decoration: none; transform: translateY(-2px); box-shadow: var(--shadow-lg); color: var(--blue); }

/* Testimonials */
.testimonial { margin: 0; background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 26px; display: flex; flex-direction: column; gap: 14px; }
.testimonial blockquote { margin: 0; font-size: 1.05rem; color: var(--ink); line-height: 1.6; }
.testimonial figcaption { color: var(--muted); font-size: .85rem; font-weight: 600; }
.testimonial::before { content: "“"; font-family: var(--display); font-size: 2.6rem; line-height: .5; color: var(--mint); }

/* Sticky mobile CTA */
.sticky-cta { display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; text-align: center;
  background: var(--mint); color: #04352c; font-weight: 700; padding: 15px; box-shadow: 0 -6px 20px rgba(0,0,0,.12); }
.sticky-cta:hover { text-decoration: none; background: var(--mint-dark); color: #fff; }

/* Icons */
.icon { width: 1.2em; height: 1.2em; display: inline-block; vertical-align: middle; }
.feature-icon { display: inline-grid; place-items: center; width: 52px; height: 52px; border-radius: 14px;
  background: var(--bg-mint); color: var(--blue); margin-bottom: 14px; }
.feature-icon .icon { width: 26px; height: 26px; }

/* How-it-works step badge (icon + number) */
.step__badge { position: relative; width: 66px; height: 66px; margin: 0 auto 16px; }
.step__icon { display: grid; place-items: center; width: 66px; height: 66px; border-radius: 50%; background: var(--bg-mint); color: var(--blue); }
.step__icon .icon { width: 30px; height: 30px; }
.step__num { position: absolute; top: -6px; right: -6px; width: 26px; height: 26px; border-radius: 50%;
  background: var(--mint-dark); color: #fff; font-family: var(--font); font-size: .82rem; font-weight: 700;
  display: grid; place-items: center; box-shadow: var(--shadow); }

/* Scroll reveal (progressive enhancement; content is visible if JS/observer is off) */
.js .reveal { opacity: 0; transform: translateY(18px) scale(.985);
  transition: opacity .6s cubic-bezier(0.16,1,0.3,1), transform .6s cubic-bezier(0.16,1,0.3,1); will-change: opacity, transform; }
.js .reveal.is-visible { opacity: 1; transform: none; }

/* Micro-interactions */
.btn:active { transform: scale(.97); }
.product--tile:active, .card:active { transform: scale(.99); }
a:focus-visible, button:focus-visible, .btn:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible, summary:focus-visible {
  outline: 3px solid var(--mint); outline-offset: 2px; border-radius: 6px; }
@media (hover: none) { .card:hover, .product:hover, .provider-chip:hover { transform: none; } }

/* Back-to-top */
.to-top { position: fixed; right: 18px; bottom: 18px; z-index: 55; width: 46px; height: 46px; border: 0; cursor: pointer;
  border-radius: 50%; background: var(--blue); color: #fff; display: grid; place-items: center; box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(10px); transition: opacity .25s ease, transform .25s ease, visibility .25s; }
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }
.to-top .icon { width: 22px; height: 22px; }

@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; transition: none; }
  .to-top { transition: none; }
  * { scroll-behavior: auto !important; }
}

/* Responsive */
@media (max-width: 900px) {
  .hero__grid { grid-template-columns: 1fr; padding: 60px 0; }
  .hero__art { order: -1; }
  .grid--3, .grid--4, .features, .footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .nav__links { position: fixed; inset: 64px 0 auto 0; background: #fff; flex-direction: column; align-items: flex-start;
    gap: 0; padding: 8px 22px 18px; border-bottom: 1px solid var(--border); box-shadow: var(--shadow); display: none; }
  .nav__links.is-open { display: flex; }
  .nav__links li { width: 100%; padding: 10px 0; border-bottom: 1px solid var(--border); }
  .nav__links li:last-child { border-bottom: 0; padding-top: 14px; }
  .nav__toggle { display: block; }
  .grid--3, .grid--4, .features, .footer__grid { grid-template-columns: 1fr; }
  .cta-band { padding: 32px 22px; }
  .quote-form .form-row { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .sticky-cta { display: block; }
  body { padding-bottom: 56px; }
}

/* ============================================================
   Premium duotone icon chips (Apple-style)
   ============================================================ */
.icon { width: 1.15em; height: 1.15em; }
/* Two-tone: the Phosphor "opacity 0.2" silhouette becomes the mint accent,
   the detail path keeps the chip's currentColor (deep blue). */
.icon path[opacity="0.2"] { opacity: .9; fill: var(--mint); }

.product__icon,
.feature-icon {
  width: 62px; height: 62px; border-radius: 18px; color: var(--blue);
  background: linear-gradient(150deg, #EAF3FF 0%, #D7F4ED 100%);
  box-shadow: 0 10px 20px rgba(0,38,124,.10), inset 0 1px 0 rgba(255,255,255,.75), inset 0 0 0 1px rgba(0,38,124,.04);
  display: grid; place-items: center; margin-bottom: 16px;
  transition: transform .35s cubic-bezier(0.16,1,0.3,1), box-shadow .35s ease;
}
.product__icon .icon,
.feature-icon .icon { width: 34px; height: 34px; }
.product:hover .product__icon,
.card:hover .feature-icon {
  transform: translateY(-3px) scale(1.05) rotate(-2deg);
  box-shadow: 0 16px 30px rgba(0,38,124,.18), inset 0 1px 0 rgba(255,255,255,.75);
}

.step__badge { width: 76px; height: 76px; }
.step__icon {
  width: 76px; height: 76px; border-radius: 24px; color: var(--blue);
  background: linear-gradient(150deg, #EAF3FF 0%, #D7F4ED 100%);
  box-shadow: 0 12px 24px rgba(0,38,124,.12), inset 0 1px 0 rgba(255,255,255,.75), inset 0 0 0 1px rgba(0,38,124,.04);
  display: grid; place-items: center;
}
.step__icon .icon { width: 40px; height: 40px; }
.step__num { top: -4px; right: -4px; box-shadow: 0 4px 10px rgba(0,38,124,.25); }

@media (hover: none) {
  .product:hover .product__icon, .card:hover .feature-icon { transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  .product__icon, .feature-icon { transition: none; }
}

/* ============================================================
   Multi-step quote wizard
   ============================================================ */
.quote-wizard { display: block; }
.wiz-head { display: none; }
.wiz-back, .wiz-next { display: none; }
.quote-wizard.wiz-ready .wiz-head { display: block; }
.quote-wizard.wiz-ready .wiz-back, .quote-wizard.wiz-ready .wiz-next { display: inline-block; }
.quote-wizard.wiz-ready .wiz-step { display: none; }
.quote-wizard.wiz-ready .wiz-step.is-active { display: block; }
.quote-wizard.wiz-ready .wiz-step.is-active { animation: wizIn .4s cubic-bezier(0.16,1,0.3,1); }
@keyframes wizIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }

.wiz-progress { height: 6px; background: rgba(0,38,124,.10); border-radius: 999px; overflow: hidden; }
.cta-band .wiz-progress { background: rgba(255,255,255,.25); }
.wiz-progress__bar { display: block; height: 100%; width: 33%; border-radius: 999px;
  background: linear-gradient(90deg, var(--mint), var(--mint-dark)); transition: width .45s cubic-bezier(0.16,1,0.3,1); }
.wiz-count { font-size: .82rem; color: var(--muted); margin: .7em 0 1.4em; }
.cta-band .wiz-count { color: rgba(255,255,255,.8); }
.wiz-q { font-size: 1.3rem; margin: 0 0 1em; color: var(--ink); }
.cta-band .wiz-q { color: #fff; }
.quote-wizard .wiz-step label { margin-bottom: 14px; }
.wiz-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 22px; }

.wiz-tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.wiz-tile { display: flex; flex-direction: column; align-items: center; gap: 10px; padding: 18px 10px; cursor: pointer;
  background: #fff; border: 1.5px solid var(--border); border-radius: var(--radius-sm); font: inherit; font-weight: 600;
  color: var(--ink); text-align: center; transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease; }
.wiz-tile:hover { border-color: var(--mint); box-shadow: var(--shadow); transform: translateY(-2px); }
.wiz-tile.is-selected { border-color: var(--mint); box-shadow: 0 0 0 3px rgba(34,203,173,.28); }
.wiz-tile__icon { width: 48px; height: 48px; border-radius: 14px; color: var(--blue); display: grid; place-items: center;
  background: linear-gradient(150deg, #EAF3FF 0%, #D7F4ED 100%); box-shadow: inset 0 1px 0 rgba(255,255,255,.7); }
.wiz-tile__icon .icon { width: 26px; height: 26px; }
.wiz-tile__label { font-size: .88rem; line-height: 1.25; }

@media (max-width: 720px) {
  .wiz-tiles { grid-template-columns: repeat(2, 1fr); }
}
@media (prefers-reduced-motion: reduce) {
  .quote-wizard.wiz-ready .wiz-step.is-active { animation: none; }
  .wiz-progress__bar { transition: none; }
}

/* Pros/cons tick lists (review pages) */
.ticklist { list-style: none; padding: 0; margin: 0; }
.ticklist li { display: flex; gap: 9px; align-items: flex-start; margin: .5em 0; }
.ticklist .icon { width: 20px; height: 20px; flex: 0 0 auto; margin-top: 2px; }
.ticklist--pro .icon { color: #0a7f5f; }
.ticklist--con .icon { color: #b23b3b; }
.ticklist .icon path[opacity="0.2"] { fill: currentColor; opacity: .22; }

.feature-icon--hero { box-shadow: 0 10px 24px rgba(0,0,0,.16), inset 0 1px 0 rgba(255,255,255,.75); }
.footer__legal a { color: rgba(255,255,255,.7); }
.footer__legal a:hover { color: #fff; }

/* SEO / content components */
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.breadcrumbs { max-width: 1180px; margin: 0 auto; padding: 14px 22px 0; font-size: .85rem; color: var(--muted); }
.breadcrumbs a { color: var(--blue); }
.breadcrumbs [aria-current] { color: var(--muted); }
.byline { color: var(--muted); font-size: .85rem; margin-bottom: 1.6em; }

/* Author + expert-reviewer box (E-E-A-T) */
.authorbox { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 26px; margin: 0 0 1.8em;
  padding: 14px 18px; background: #fff; border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow); }
.authorbox__person { display: flex; align-items: center; gap: 11px; color: inherit; }
.authorbox__person:hover { text-decoration: none; }
.authorbox__person:hover .authorbox__name { color: var(--blue); }
.authorbox__avatar { flex: 0 0 auto; width: 44px; height: 44px; border-radius: 50%; object-fit: cover; }
.authorbox__avatar--mono { display: grid; place-items: center; color: #fff; font-weight: 800; font-size: .88rem;
  letter-spacing: .03em; background: linear-gradient(150deg, var(--blue-2), var(--blue)); }
.authorbox__avatar--rev { background: linear-gradient(150deg, var(--mint), var(--mint-dark)); color: #04352c; }
.authorbox__body { display: flex; flex-direction: column; line-height: 1.28; min-width: 0; }
.authorbox__label { font-size: .66rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 700; }
.authorbox__name { font-weight: 700; color: var(--ink); font-size: .95rem; transition: color .15s ease; }
.authorbox__role { font-size: .8rem; color: var(--muted); }
.authorbox__meta { margin-left: auto; display: flex; flex-direction: column; align-items: flex-end; gap: 3px;
  font-size: .8rem; color: var(--muted); }
.authorbox__link { font-weight: 700; color: var(--blue); }
.authorbox__link:hover { text-decoration: none; color: var(--blue-2); }
@media (max-width: 700px) {
  .authorbox__meta { margin-left: 0; align-items: flex-start; width: 100%; border-top: 1px solid var(--border); padding-top: 11px; }
}

/* ============================================================
   Editorial layout system — breaks the centered-grid monotony
   ============================================================ */
/* Left-aligned section header with an optional action on the right */
.section-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 20px 40px;
  flex-wrap: wrap; margin-bottom: 44px; }
.section-head__text { max-width: 640px; }
.section-head__text h2 { margin: .18em 0 .3em; }
.section-head__text .lead { margin: 0; }
.section-head__action { flex: 0 0 auto; padding-bottom: 6px; }
.section-head__action a { font-weight: 700; color: var(--blue); }
.section-head__action a:hover { color: var(--blue-2); text-decoration: none; }
@media (max-width: 640px) { .section-head { align-items: flex-start; margin-bottom: 32px; } }

/* Product tiles — lighter "directory" cards, not heavy shadow-boxes */
.tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.tile { display: block; padding: 22px; border: 1px solid var(--border); border-radius: var(--radius); background: #fff;
  transition: border-color .18s ease, transform .18s ease, box-shadow .18s ease; }
.tile:hover { text-decoration: none; transform: translateY(-3px); border-color: transparent; box-shadow: var(--shadow-lg); }
.tile__icon { display: grid; place-items: center; width: 46px; height: 46px; border-radius: 12px; color: var(--blue);
  background: linear-gradient(150deg, #EAF3FF 0%, #D7F4ED 100%); box-shadow: inset 0 1px 0 rgba(255,255,255,.7); margin-bottom: 16px; }
.tile__icon .icon { width: 26px; height: 26px; }
.tile h3 { font-size: 1.05rem; margin: 0 0 .25em; }
.tile p { font-size: .9rem; margin: 0 0 .7em; color: var(--text); }
.tile__more { font-weight: 700; color: var(--blue); font-size: .85rem; }
@media (max-width: 900px) { .tiles { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .tiles { grid-template-columns: 1fr; } }

/* Asymmetric split — sticky header column + content column */
.split { display: grid; grid-template-columns: minmax(0, 360px) 1fr; gap: 56px; align-items: start; }
.split__aside { position: sticky; top: 96px; }
.split__aside h2 { margin: .18em 0 .35em; }
.split__aside .lead { margin: 0 0 26px; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 30px; } .split__aside { position: static; } }

/* De-carded feature list — rows with hairline dividers */
.feature-list { list-style: none; margin: 0; padding: 0; }
.feature-row { display: flex; gap: 18px; align-items: flex-start; padding: 24px 0; border-top: 1px solid var(--border); }
.feature-row:first-child { border-top: 0; padding-top: 0; }
.feature-row__icon { flex: 0 0 auto; width: 46px; height: 46px; border-radius: 13px; display: grid; place-items: center;
  color: var(--blue); background: linear-gradient(150deg, #EAF3FF 0%, #D7F4ED 100%); box-shadow: inset 0 1px 0 rgba(255,255,255,.7); }
.feature-row__icon .icon { width: 25px; height: 25px; }
.feature-row h3 { font-size: 1.1rem; margin: .12em 0 .3em; }
.feature-row p { margin: 0; font-size: .95rem; }

/* How-it-works — connected step flow (a process, not 3 cards) */
.flow { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.flow__step { position: relative; }
.flow__step::before { content: ""; position: absolute; top: 21px; left: 54px; right: -18px; height: 2px;
  background: var(--border); z-index: 0; }
.flow__step:last-child::before { display: none; }
.flow__num { position: relative; z-index: 1; width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center;
  font-weight: 800; font-size: 1.05rem; color: #fff; background: linear-gradient(150deg, var(--blue-2), var(--blue)); }
.flow__step h3 { margin: 18px 0 .3em; font-size: 1.12rem; }
.flow__step p { margin: 0; }
@media (max-width: 760px) { .flow { grid-template-columns: 1fr; gap: 10px; } .flow__step::before { display: none; }
  .flow__step { padding-left: 60px; padding-bottom: 20px; } .flow__num { position: absolute; left: 0; top: 0; } .flow__step h3 { margin-top: 0; } }

/* Contents value calculator tool */
.calc { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); padding: 6px 22px 22px; }
.calc__row { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 14px 0; border-top: 1px solid var(--border); }
.calc__row:first-child { border-top: 0; }
.calc__row label { font-weight: 600; color: var(--ink); }
.calc__field { display: inline-flex; align-items: center; gap: 8px; flex: 0 0 auto; }
.calc__field .rand { color: var(--muted); font-weight: 700; }
.calc__input { width: 150px; font: inherit; padding: 10px 12px; border: 1px solid var(--border); border-radius: 10px; text-align: right; color: var(--ink); }
.calc__input:focus { outline: 2px solid var(--mint); border-color: var(--mint); }
.calc__total-bar { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-top: 20px;
  padding: 18px 22px; background: linear-gradient(120deg, var(--blue), var(--blue-2)); color: #fff; border-radius: var(--radius); }
.calc__total-label { font-weight: 600; }
.calc__total-num { font-size: 1.8rem; font-weight: 800; color: var(--mint); font-variant-numeric: tabular-nums; }
@media (max-width: 560px) {
  .calc__row { flex-direction: column; align-items: flex-start; gap: 8px; }
  .calc__input { width: 100%; }
  .calc__field { width: 100%; }
  .calc__total-bar { flex-direction: column; align-items: flex-start; gap: 4px; }
}

/* Car insurance premium indicator */
.ci-form { display: grid; gap: 16px; }
.ci-form label { display: grid; gap: 6px; font-weight: 600; color: var(--ink); }
.ci-form select { font: inherit; padding: 11px 12px; border: 1px solid var(--border); border-radius: 10px; background: #fff; color: var(--ink); }
.ci-form select:focus { outline: 2px solid var(--mint); border-color: var(--mint); }
.ci-result { margin-top: 22px; padding: 20px 22px; border-radius: var(--radius); border: 1px solid var(--border); background: var(--bg-soft); }
.ci-band { font-size: 1.4rem; font-weight: 800; margin: 0 0 .2em; }
.ci-band.low { color: #0a7f5f; } .ci-band.mid { color: #b8860b; } .ci-band.high { color: #b23b3b; }
.ci-meter { position: relative; height: 12px; border-radius: 999px; margin: 14px 0 6px;
  background: linear-gradient(90deg, #22CBAD 0%, #febc2e 55%, #ff5f57 100%); }
.ci-marker { position: absolute; top: -4px; width: 4px; height: 20px; border-radius: 3px; background: var(--ink);
  transform: translateX(-50%); transition: left .3s ease; }

/* Flat card grids on inner pages (lighter, matches homepage tiles) */
.cards--flat .card { box-shadow: none; }
.cards--flat .card:hover { box-shadow: var(--shadow-lg); border-color: transparent; }

/* Stagger the new containers' reveals too */
.js .tiles > .reveal:nth-child(2), .js .feature-list > .reveal:nth-child(2), .js .flow > .reveal:nth-child(2) { transition-delay: .05s; }
.js .tiles > .reveal:nth-child(3), .js .feature-list > .reveal:nth-child(3), .js .flow > .reveal:nth-child(3) { transition-delay: .1s; }
.js .tiles > .reveal:nth-child(4), .js .feature-list > .reveal:nth-child(4) { transition-delay: .15s; }
.js .tiles > .reveal:nth-child(5), .js .feature-list > .reveal:nth-child(5) { transition-delay: .2s; }
.js .tiles > .reveal:nth-child(6), .js .feature-list > .reveal:nth-child(6) { transition-delay: .25s; }

/* Author profile pages */
.profile { display: flex; align-items: center; gap: 20px; margin-bottom: 26px; }
.profile__avatar { flex: 0 0 auto; width: 84px; height: 84px; border-radius: 50%; display: grid; place-items: center;
  color: #fff; font-weight: 800; font-size: 1.7rem; letter-spacing: .02em; object-fit: cover;
  background: linear-gradient(150deg, var(--blue-2), var(--blue)); box-shadow: var(--shadow); }
.profile h1 { margin: 0 0 .2em; }
.profile__role { color: var(--mint-dark); font-weight: 700; margin: 0; }
.team-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.team-card { display: flex; gap: 16px; align-items: flex-start; padding: 22px; background: #fff;
  border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow);
  transition: transform .18s ease, box-shadow .18s ease; }
.team-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); text-decoration: none; }
.team-card__avatar { flex: 0 0 auto; width: 58px; height: 58px; border-radius: 50%; display: grid; place-items: center;
  color: #fff; font-weight: 800; font-size: 1.15rem; background: linear-gradient(150deg, var(--blue-2), var(--blue)); }
.team-card__name { font-weight: 700; color: var(--ink); }
.team-card__role { font-size: .85rem; color: var(--muted); margin: 2px 0 8px; }
.team-card__more { font-weight: 700; color: var(--blue); font-size: .85rem; }
@media (max-width: 640px) { .team-grid { grid-template-columns: 1fr; } }

.quick-answer { border: 1px solid var(--border); border-left: 5px solid var(--mint); background: var(--bg-mint);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 20px 24px; margin: 0 0 1.8em; }
.quick-answer h2 { margin: 0 0 .35em; font-size: 1.2rem; }
.quick-answer p { margin: 0; color: var(--ink); }

.takeaways { background: var(--bg-soft); border-radius: var(--radius-sm); padding: 20px 24px; margin: 0 0 1.8em; }
.takeaways h2 { margin: 0 0 .5em; font-size: 1.15rem; }
.takeaways ul { margin: 0; padding-left: 1.2em; }
.takeaways li { margin: .35em 0; }

.compare-table { width: 100%; border-collapse: collapse; font-size: .95rem; background: #fff; }
.compare-table th, .compare-table td { border: 1px solid var(--border); padding: 11px 14px; text-align: left; }
.compare-table thead th { background: var(--blue); color: #fff; }
.compare-table tbody th { background: var(--bg-soft); font-weight: 600; color: var(--ink); }
.compare-table td.yes { color: #0a7f5f; font-weight: 700; }
.compare-table td.no { color: #b23b3b; font-weight: 700; }

.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 1.2em 0 1.6em; }
.proscons__col { border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 16px 20px; }
.proscons__pros { background: #eefaf4; border-color: #bfe8d6; }
.proscons__cons { background: #fdeef0; border-color: #f2ccd2; }
.proscons__col h3 { margin: 0 0 .4em; font-size: 1.05rem; }
.proscons__col ul { margin: 0; padding-left: 1.2em; }
.proscons__col li { margin: .3em 0; }

.cta-inline { background: var(--bg-mint); border-radius: var(--radius-sm); padding: 22px 24px; margin: 1.8em 0; }
.cta-inline p { margin: 0 0 .8em; color: var(--ink); }
.cta-inline .form-note { margin: .8em 0 0; }
@media (max-width: 560px) { .proscons { grid-template-columns: 1fr; } }

/* ============================================================
   Homepage hero v2 — light, premium, floating quote card
   ============================================================ */
.hero--v2, .hero--light { background: var(--bg); color: var(--ink); position: relative; overflow: hidden;
  border-bottom: 1px solid var(--border); }
.hero--v2 .hero__grid, .hero--light .hero__grid { position: relative; z-index: 1; padding: 88px 0 76px; align-items: center; }
.hero--light .hero__grid { padding: 72px 0 68px; }
.hero--v2 h1, .hero--light h1 { color: var(--ink); }
.hero--v2 p, .hero--light p { color: var(--text); }
.hero__mesh { position: absolute; inset: -25% -10% auto -10%; height: 150%; z-index: 0; pointer-events: none;
  background:
    radial-gradient(560px 400px at 10% 6%, rgba(34,203,173,.22), transparent 62%),
    radial-gradient(680px 500px at 94% -4%, rgba(0,38,124,.16), transparent 58%),
    radial-gradient(520px 520px at 82% 96%, rgba(34,203,173,.16), transparent 62%);
  filter: blur(14px); }
.hero__copy { max-width: 560px; }
.hero--v2 .hero__cta, .hero--light .hero__cta { margin-top: 28px; }
.hero--v2 .btn--ghost, .hero--light .btn--ghost { color: var(--blue); border-color: var(--border); background: #fff; }
.hero--v2 .btn--ghost:hover, .hero--light .btn--ghost:hover { background: var(--bg-soft); border-color: var(--blue); }
.hero__microtrust { margin: 20px 0 0; font-size: .9rem; color: var(--muted); font-weight: 600; }
.btn__arrow { display: inline-block; transition: transform .18s ease; }
.btn:hover .btn__arrow { transform: translateX(3px); }

.hero__card-wrap { position: relative; }
.hero-card { max-width: 430px; margin-left: auto; background: #fff; border: 1px solid var(--border);
  border-radius: 22px; box-shadow: var(--shadow-lg); overflow: hidden;
  animation: heroFloat 7s ease-in-out infinite; }
@keyframes heroFloat { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
.hero-card__bar { display: flex; gap: 7px; padding: 14px 18px; background: var(--bg-soft); border-bottom: 1px solid var(--border); }
.hero-card__bar span { width: 11px; height: 11px; border-radius: 50%; background: #d5dce8; }
.hero-card__bar span:nth-child(1) { background: #ff5f57; }
.hero-card__bar span:nth-child(2) { background: #febc2e; }
.hero-card__bar span:nth-child(3) { background: #28c840; }
.hero-card__body { padding: 22px 24px 26px; }
.hero-card__body .wiz-progress { margin-bottom: 12px; }
.hero-card__step { font-size: .8rem; color: var(--muted); font-weight: 600; margin: 0 0 .3em; }
.hero-card__q { font-size: 1.2rem; font-weight: 700; color: var(--ink); letter-spacing: -0.01em; margin: 0 0 1em; }
.hero-card__tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.hero-tile { display: flex; flex-direction: column; align-items: center; gap: 8px; padding: 14px 8px;
  border: 1.5px solid var(--border); border-radius: 14px; color: var(--ink); font-weight: 600; text-align: center;
  transition: border-color .18s ease, transform .18s ease, box-shadow .18s ease; }
.hero-tile:hover { border-color: var(--mint); transform: translateY(-2px); box-shadow: var(--shadow); text-decoration: none; }
.hero-tile__icon { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; color: var(--blue);
  background: linear-gradient(150deg, #EAF3FF 0%, #D7F4ED 100%); box-shadow: inset 0 1px 0 rgba(255,255,255,.7); }
.hero-tile__icon .icon { width: 24px; height: 24px; }
.hero-tile__label { font-size: .82rem; }

/* Insurer logo marquee */
.logo-marquee { display: flex; align-items: center; gap: 22px; padding: 20px 0; overflow: hidden;
  border-bottom: 1px solid var(--border); background: var(--bg); }
.logo-marquee__lead { flex: 0 0 auto; padding-left: 22px; font-size: .78rem; font-weight: 700; letter-spacing: .07em;
  text-transform: uppercase; color: var(--muted); }
.logo-marquee__viewport { flex: 1 1 auto; overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); }
.logo-marquee__track { display: flex; gap: 14px; width: max-content; animation: marquee 34s linear infinite; }
.logo-marquee:hover .logo-marquee__track { animation-play-state: paused; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.logo-chip { flex: 0 0 auto; white-space: nowrap; font-weight: 700; font-size: .95rem; color: var(--ink);
  background: var(--bg-soft); border: 1px solid var(--border); border-radius: 999px; padding: 9px 18px; }

/* Count-up stats band */
.stats-band { background: linear-gradient(120deg, var(--blue), var(--blue-2)); color: #fff; padding: 42px 0; }
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat__num { display: block; font-size: clamp(2rem, 4vw, 2.9rem); font-weight: 800; letter-spacing: -0.02em;
  line-height: 1; color: var(--mint); font-variant-numeric: tabular-nums; }
.stat__label { display: block; margin-top: 6px; color: rgba(255,255,255,.75); font-size: .92rem; font-weight: 600; }

@media (max-width: 900px) {
  .hero--v2 .hero__grid, .hero--light .hero__grid { padding: 56px 0; }
  .hero-card, .preview-card { margin: 0 auto; }
  .logo-marquee__lead { display: none; }
}
@media (max-width: 560px) {
  .stats { grid-template-columns: 1fr 1fr; gap: 26px 12px; }
}
@media (prefers-reduced-motion: reduce) {
  .hero-card { animation: none; }
  .logo-marquee__track { animation: none; transform: none; }
  .btn__arrow { transition: none; }
}

/* ============================================================
   Inner-page hero preview card (product-UI as imagery)
   ============================================================ */
.preview-card { max-width: 420px; margin-left: auto; background: #fff; border: 1px solid var(--border);
  border-radius: 22px; box-shadow: var(--shadow-lg); overflow: hidden;
  animation: heroFloat 7s ease-in-out infinite; }
.preview-card__body { padding: 22px 24px 24px; }
.preview-card__head { display: flex; align-items: center; gap: 14px; padding-bottom: 16px; margin-bottom: 4px;
  border-bottom: 1px solid var(--border); }
.preview-card__icon { flex: 0 0 auto; width: 52px; height: 52px; border-radius: 15px; display: grid; place-items: center;
  color: var(--blue); background: linear-gradient(150deg, #EAF3FF 0%, #D7F4ED 100%);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.7); }
.preview-card__icon .icon { width: 28px; height: 28px; }
.preview-card__title { font-weight: 800; color: var(--ink); font-size: 1.08rem; letter-spacing: -0.01em; }
.preview-card__list { list-style: none; margin: 16px 0 20px; padding: 0; }
.preview-card__list li { display: flex; align-items: flex-start; gap: 10px; margin: 11px 0; color: var(--ink);
  font-weight: 600; font-size: .96rem; }
.preview-card__list .icon { width: 20px; height: 20px; flex: 0 0 auto; margin-top: 1px; color: #0a7f5f; }
.preview-card__list .icon path[opacity="0.2"] { fill: currentColor; opacity: .22; }
.preview-card__cta { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--blue); }
.preview-card__cta:hover { text-decoration: none; color: var(--blue-2); }

/* ============================================================
   Nav dropdown ("Insurance")
   ============================================================ */
.nav__dd { position: relative; }
.nav__caret { font-size: .62em; opacity: .7; margin-left: 2px; display: inline-block; transition: transform .2s ease; }
.nav__dd:hover .nav__caret, .nav__dd:focus-within .nav__caret { transform: rotate(180deg); }
.nav__dd-menu { position: absolute; top: calc(100% + 10px); left: -12px; min-width: 224px; list-style: none; margin: 0;
  padding: 8px; background: #fff; border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(8px); transition: opacity .18s ease, transform .18s ease, visibility .18s;
  z-index: 60; }
.nav__dd-menu::before { content: ""; position: absolute; top: -10px; left: 0; right: 0; height: 10px; }
.nav__dd:hover .nav__dd-menu, .nav__dd:focus-within .nav__dd-menu { opacity: 1; visibility: visible; transform: none; }
.nav__dd-menu li { margin: 0; width: auto; }
.nav__dd-menu a { display: block; padding: 9px 12px; border-radius: 10px; color: var(--ink); font-weight: 600; }
.nav__dd-menu a:hover { background: var(--bg-soft); color: var(--blue); text-decoration: none; }

/* ============================================================
   Motion polish: staggered grid reveals, hero load, nav underline
   ============================================================ */
.js .grid > .reveal:nth-child(2), .js .steps > .reveal:nth-child(2) { transition-delay: .05s; }
.js .grid > .reveal:nth-child(3), .js .steps > .reveal:nth-child(3) { transition-delay: .1s; }
.js .grid > .reveal:nth-child(4) { transition-delay: .15s; }
.js .grid > .reveal:nth-child(5) { transition-delay: .2s; }
.js .grid > .reveal:nth-child(6) { transition-delay: .25s; }

.js .hero--v2 .hero__copy > *, .js .hero--light .hero__copy > * { animation: heroUp .6s both cubic-bezier(0.16,1,0.3,1); }
.js .hero__copy > *:nth-child(1) { animation-delay: .04s; }
.js .hero__copy > *:nth-child(2) { animation-delay: .1s; }
.js .hero__copy > *:nth-child(3) { animation-delay: .16s; }
.js .hero__copy > *:nth-child(4) { animation-delay: .22s; }
.js .hero__copy > *:nth-child(5) { animation-delay: .28s; }
@keyframes heroUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }

.nav__links > li > a:not(.btn) { position: relative; }
.nav__links > li > a:not(.btn)::after { content: ""; position: absolute; left: 0; right: 0; bottom: -5px; height: 2px;
  border-radius: 2px; background: var(--mint); transform: scaleX(0); transform-origin: left; transition: transform .2s ease; }
.nav__links > li > a:not(.btn):hover::after { transform: scaleX(1); }

@media (max-width: 720px) {
  .nav__dd-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0;
    padding: 4px 0 4px 14px; min-width: 0; }
  .nav__dd-menu::before { display: none; }
  .nav__caret { display: none; }
  .nav__links > li > a:not(.btn)::after { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  .preview-card { animation: none; }
  .js .hero--v2 .hero__copy > *, .js .hero--light .hero__copy > * { animation: none; }
  .js .grid > .reveal, .js .steps > .reveal { transition-delay: 0s !important; }
  .nav__dd-menu, .nav__caret, .nav__links > li > a:not(.btn)::after { transition: none; }
}