/* ============================================================
   Insure Instant Quote — shared design system
   Brand palette pulled from production (insureinstantquote.com)
   ============================================================ */
:root{
  --teal:#1AAB9B;          /* vibrant accent / primary CTA */
  --teal-dark:#158F82;     /* CTA hover */
  --deep:#005147;          /* brand deep teal */
  --deeper:#003D35;        /* darkest */
  --mint:#E6F6F2;          /* soft seafoam mint — primary light bg + accent */
  --mint-200:#D3ECE6;      /* slightly deeper mint for borders/hover */
  --heading:#1A2B3C;       /* navy heading */
  --body:#4A5568;          /* body text */
  --line:#E5E7EB;
  --line-light:#F3F4F6;
  --surface-alt:#EFF8F5;
  --footer:#1A2B3C;
  --white:#fff;
  --shadow:0 12px 34px rgba(0,81,71,.12);
  --shadow-sm:0 4px 14px rgba(0,81,71,.08);
  --radius:16px;
  --maxw:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--body);line-height:1.65;background:var(--white);-webkit-font-smoothing:antialiased;font-size:1.02rem}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
h1,h2{font-family:'Playfair Display',Georgia,serif;line-height:1.14;letter-spacing:-.01em;font-weight:700;color:var(--heading)}
h3,h4{font-family:'Inter',-apple-system,sans-serif;line-height:1.2;letter-spacing:-.02em;font-weight:700;color:var(--heading)}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.76rem;font-weight:700;color:var(--teal)}

/* Buttons — modern, gradient, with arrow micro-interaction */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:'Inter',sans-serif;font-weight:600;padding:13px 26px;border-radius:12px;border:1.5px solid transparent;cursor:pointer;transition:transform .2s ease,box-shadow .2s ease,background .2s ease,color .2s ease;font-size:.98rem;letter-spacing:.005em;line-height:1;white-space:nowrap}
.btn .arr{display:inline-block;transition:transform .2s ease}
.btn:hover .arr{transform:translateX(4px)}
.btn:active{transform:translateY(0) scale(.985)}
.btn-primary{background:linear-gradient(135deg,#1AAB9B 0%,#0c8475 55%,#005147 100%);background-size:160% 160%;background-position:0% 50%;color:#fff;box-shadow:0 8px 20px rgba(0,81,71,.22)}
.btn-primary:hover{background-position:100% 50%;transform:translateY(-2px);box-shadow:0 14px 30px rgba(0,81,71,.30)}
.btn-accent{background:var(--teal);color:#fff;box-shadow:0 8px 20px rgba(26,171,155,.30)}
.btn-accent:hover{background:var(--teal-dark);transform:translateY(-2px)}
.btn-white{background:#fff;color:var(--deep);box-shadow:0 8px 20px rgba(0,0,0,.12)}.btn-white:hover{background:#fff;transform:translateY(-2px);box-shadow:0 14px 30px rgba(0,0,0,.16)}
.btn-ghost{background:rgba(255,255,255,.10);color:#fff;border-color:rgba(255,255,255,.6)}.btn-ghost:hover{background:rgba(255,255,255,.2)}
.btn-outline{background:transparent;color:var(--deep);border-color:var(--mint-200)}.btn-outline:hover{background:#fff;border-color:var(--teal);color:var(--deep);transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,81,71,.1)}
.btn-lg{padding:16px 32px;font-size:1.05rem;border-radius:13px}
.btn-nav{padding:11px 22px;font-size:.92rem;border-radius:10px}

/* Top bar + header */
.topbar{background:var(--deep);color:#cdeee1;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:38px}
.topbar a{color:#fff;font-weight:700}
header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.brand{display:flex;align-items:center;gap:10px;font-family:'Inter',sans-serif;font-weight:600;font-size:1.22rem;color:var(--heading);letter-spacing:-.01em;flex-shrink:0}
.brand .iq{background:var(--deep);color:#fff;width:40px;height:40px;border-radius:11px;display:grid;place-items:center;font-family:'Playfair Display',Georgia,serif;font-weight:600;font-size:1.22rem;letter-spacing:0;box-shadow:none}
nav.main{display:flex;gap:24px;align-items:center}
nav.main .navlink{font-weight:600;color:var(--heading);font-size:.96rem;position:relative}
nav.main .navlink:hover,nav.main .navlink.active{color:var(--teal)}
.has-mega{position:relative}
.mega{position:absolute;top:calc(100% + 16px);left:0;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 18px 44px rgba(15,31,26,.13);padding:22px 24px;display:grid;grid-template-columns:1fr 1fr;gap:4px 40px;width:560px;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .2s ease,transform .2s ease,visibility .2s;z-index:70}
.has-mega:hover .mega,.has-mega:focus-within .mega{opacity:1;visibility:visible;transform:translateY(0)}
.mega::before{content:"";position:absolute;top:-16px;left:0;width:100%;height:16px}/* hover bridge */
.mega .col{display:flex;flex-direction:column}
.mega h6{font-size:.7rem;text-transform:uppercase;letter-spacing:.13em;color:var(--teal);font-weight:700;margin:2px 10px 8px;padding-bottom:8px;border-bottom:1px solid var(--line)}
.mega a{display:block;font-size:.93rem;padding:9px 10px;border-radius:9px;color:var(--body);font-weight:500;transition:.14s}
.mega a:hover{background:var(--mint);color:var(--deep);padding-left:14px}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{font-weight:800;color:var(--deep);white-space:nowrap}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--deep);cursor:pointer}

/* Hero — soft mint, dark heading */
.hero{position:relative;background:linear-gradient(180deg,#ECF8F4 0%,#DDF1EB 100%);color:var(--body);padding:80px 0;overflow:hidden;border-bottom:1px solid var(--mint-200)}
.hero::after{content:"";position:absolute;right:-150px;top:-150px;width:460px;height:460px;background:radial-gradient(circle,rgba(26,171,155,.10),transparent 70%);border-radius:50%}
.hero::before{content:"";position:absolute;left:-130px;bottom:-180px;width:400px;height:400px;background:radial-gradient(circle,rgba(26,171,155,.08),transparent 70%);border-radius:50%}
.hero .inner{position:relative;z-index:2}
.hero .grid{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hero h1{color:var(--heading);font-size:3.4rem;margin-bottom:18px}
.hero p.lede{font-size:1.2rem;color:var(--body);max-width:540px;margin-bottom:28px}
.hero .eyebrow{color:var(--teal)}
.hero.center .inner{max-width:760px;margin:0 auto;text-align:center}
.hero.center p.lede{margin-left:auto;margin-right:auto}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:26px}
.hero.center .ctas{justify-content:center}
.hero .trust{display:flex;gap:30px;flex-wrap:wrap}
.hero.center .trust{justify-content:center}
.hero .trust div b{display:block;font-size:1.7rem;font-weight:800;color:var(--deep);font-family:'Playfair Display',serif}
.hero .trust div span{color:var(--body);font-size:.86rem;font-weight:600}
.hero-tags{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:30px}
.hero-tags span{background:#fff;border:1px solid var(--mint-200);color:var(--heading);font-size:.86rem;font-weight:600;padding:9px 18px;border-radius:999px;box-shadow:0 2px 8px rgba(0,81,71,.05)}
.hero-sub{padding:56px 0 62px}
.hero-sub h1{font-size:2.7rem}
.crumbs{font-size:.85rem;color:var(--body);margin-bottom:14px}
.crumbs a{color:var(--teal);font-weight:600}.crumbs a:hover{color:var(--deep)}

/* Quote entry card */
.hero-card{background:#fff;border-radius:18px;box-shadow:0 24px 60px rgba(0,0,0,.22);padding:28px;color:var(--body)}
.hero-card h3{font-size:1.16rem;margin-bottom:6px;color:var(--heading)}
.hero-card .sub{color:var(--body);font-size:.92rem;margin-bottom:18px}
.hero-card .field{border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin-bottom:12px;color:var(--body);font-size:.95rem;display:flex;justify-content:space-between;align-items:center}
.hero-card .field span.req{color:var(--teal);font-weight:700}
.hero-card .note{font-size:.78rem;color:var(--body);margin-top:10px;text-align:center}
.widget-note{font-size:.72rem;color:var(--body);background:var(--surface-alt);border:1px dashed var(--line);border-radius:8px;padding:8px 10px;margin-top:14px}

/* Carrier strip */
.carriers{background:#fff;padding:34px 0;border-bottom:1px solid var(--line);position:relative;z-index:5}
.carriers.float{margin-top:-30px}
.carriers .card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px 24px;margin:0 24px}
.carriers .label{text-align:center;color:var(--body);font-size:.86rem;font-weight:700;margin-bottom:20px}
.carriers .label b{color:var(--deep)}
.logo-grid{display:grid;grid-template-columns:repeat(7,1fr);gap:20px 26px;align-items:center;justify-items:center;max-width:980px;margin:0 auto}
.logo-grid img{height:32px;width:auto;filter:grayscale(1);opacity:.62;transition:.2s}
.logo-grid img:hover{filter:none;opacity:1}

/* Animated carrier wall (flip + staggered pop-in) */
.cwall-sec{background:#fff;padding:44px 0 12px;border-top:1px solid var(--line)}
.cwall-label{text-align:center;color:var(--body);font-size:.95rem;font-weight:600;margin-bottom:26px}
.cwall-label b{color:var(--deep);font-weight:700}
.cwall{display:grid;grid-template-columns:repeat(7,1fr);gap:14px;max-width:1020px;margin:0 auto}
.cwall .cell{perspective:760px;opacity:0;transform:translateY(16px) scale(.96);transition:opacity .55s ease,transform .55s ease}
.cwall .cell.in{opacity:1;transform:none}
.cwall .flip{position:relative;width:100%;aspect-ratio:5/3;transform-style:preserve-3d;transition:transform .75s cubic-bezier(.45,.05,.2,1)}
.cwall .cell.flipped .flip{transform:rotateY(180deg)}
.cwall .face{position:absolute;inset:0;-webkit-backface-visibility:hidden;backface-visibility:hidden;display:grid;place-items:center;border:1px solid var(--line);border-radius:13px;background:#fff;box-shadow:0 3px 12px rgba(0,81,71,.07)}
.cwall .front img{max-height:30px;max-width:76%;width:auto;filter:grayscale(1);opacity:.74;transition:.25s}
.cwall .cell:hover .front img{filter:none;opacity:1}
.cwall .back{transform:rotateY(180deg);background:linear-gradient(135deg,var(--teal),var(--deep));color:#fff;font-family:'Inter',sans-serif;font-weight:600;font-size:.74rem;line-height:1.25;text-align:center;padding:8px}
@media(max-width:980px){.cwall{grid-template-columns:repeat(5,1fr)}}
@media(max-width:560px){.cwall{grid-template-columns:repeat(4,1fr);gap:10px}}
@media(prefers-reduced-motion:reduce){.cwall .cell{opacity:1;transform:none}.cwall .flip{transition:none}}

/* Sections */
section{padding:72px 0}
.bg-mint{background:var(--mint)}
.section-head{max-width:720px;margin:0 auto 46px;text-align:center}
.section-head h2{position:relative;display:inline-block}
.section-head .eyebrow{display:none}

/* ===== Animated comparison mockup (home) ===== */
.qmock{position:relative;min-height:400px;padding:10px 0}
.qmock-card{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 20px 48px rgba(0,81,71,.16)}
.qm-top{position:relative;z-index:3;max-width:430px;padding:18px;animation:floaty 6s ease-in-out infinite}
.qm-list{position:relative;z-index:2;margin:-26px 0 0 70px;max-width:360px;padding:6px 16px;animation:floaty 6s ease-in-out infinite .9s}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
.qm-head{font-weight:700;color:var(--deep);text-align:center;font-size:.92rem;margin-bottom:12px}
.qm-best{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.qm-opt{border:1px solid var(--line);border-radius:12px;padding:14px 12px;text-align:center;background:#fff}
.qm-opt img{height:17px;width:auto;margin:9px auto;opacity:.85;display:block}
.qm-tag{display:inline-block;font-size:.58rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;padding:3px 8px;border-radius:6px;color:#fff}
.qm-tag.aff{background:var(--teal)}.qm-tag.rec{background:var(--deep)}
.qm-price{font-family:'Playfair Display',serif;font-size:1.65rem;font-weight:700;color:var(--heading);margin-top:10px;line-height:1}
.qm-price span{font-size:.95rem}.qm-price i{font-style:normal;font-size:.66rem;color:var(--body)}
.qm-stars{color:#f4b740;font-size:.8rem;margin:6px 0 10px}
.qm-cta{display:block;background:var(--teal);color:#fff;font-weight:700;font-size:.72rem;padding:8px;border-radius:8px}
.qm-row{display:flex;align-items:center;gap:12px;padding:11px 4px;border-bottom:1px solid var(--line)}
.qm-row:last-child{border-bottom:0}
.qm-rp{font-family:'Playfair Display',serif;font-weight:700;color:var(--heading);min-width:62px;font-size:1.05rem}
.qm-rp i{font-style:normal;font-size:.66rem;color:var(--body);font-family:'Inter',sans-serif}
.qm-row img{height:15px;width:auto;opacity:.85}
.qm-cta.sm{display:inline-block;margin-left:auto;font-size:.64rem;padding:6px 13px;border-radius:7px}
.cmp-list>div{margin-bottom:22px}
.cmp-list h4{font-size:1.18rem;margin-bottom:5px;color:var(--heading)}
.cmp-list p{color:var(--body)}
@media(prefers-reduced-motion:reduce){.qm-top,.qm-list{animation:none}}
@media(max-width:560px){.qm-list{margin-left:0}}
.section-head h2::after{content:"";display:block;width:52px;height:3px;border-radius:3px;background:linear-gradient(90deg,var(--teal),var(--deep));margin:16px auto 0}
.section-head h2{font-size:2.35rem;margin:10px 0 12px}
.section-head p{color:var(--body);font-size:1.08rem}

/* Product grid */
.products{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.pcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:.18s;display:flex;flex-direction:column;text-align:center;align-items:center}
.pcard:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:#bfe9e3}
.pcard .ic{width:56px;height:56px;border-radius:14px;background:var(--mint);display:grid;place-items:center;font-size:1.5rem;margin-bottom:14px}
.pcard h3{font-size:1.02rem;margin-bottom:8px;color:var(--heading)}
.pcard p{color:var(--body);font-size:.86rem;flex:1;margin-bottom:14px}
.pcard .links{display:flex;gap:14px;font-weight:700;font-size:.86rem;margin-top:auto}
.pcard .links a:first-child{color:var(--teal)}
.pcard .links a.learn{color:var(--body)}
.pcard .links a:hover{text-decoration:underline}

/* Value cards */
.values{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.vcard{text-align:center}
.vcard .ic{width:62px;height:62px;border-radius:16px;background:linear-gradient(135deg,var(--teal),var(--deep));color:#fff;display:grid;place-items:center;margin:0 auto 16px;font-size:1.5rem;box-shadow:0 8px 20px rgba(26,171,155,.3)}
.vcard h3{font-size:1.06rem;margin-bottom:6px}
.vcard p{color:var(--body);font-size:.92rem}

/* Split feature */
.split{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow)}
.feat-list{display:grid;gap:20px;margin-top:24px}
.feat{display:flex;gap:14px}
.feat .dot{flex-shrink:0;width:30px;height:30px;border-radius:50%;background:var(--mint);color:var(--teal);display:grid;place-items:center;font-weight:900}
.feat h4{font-size:1.04rem;margin-bottom:3px}
.feat p{color:var(--body);font-size:.92rem}
.save-banner{margin-top:28px;background:linear-gradient(135deg,var(--teal),var(--deep));color:#fff;border-radius:var(--radius);padding:22px 26px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;box-shadow:0 10px 28px rgba(26,171,155,.3)}
.save-banner b{font-size:1.12rem;color:#fff}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:step}
.step{text-align:center}
.step .num{width:54px;height:54px;border-radius:50%;background:#fff;border:2px solid var(--teal);color:var(--teal);font-weight:900;font-size:1.3rem;display:grid;place-items:center;margin:0 auto 16px}
.step h3{font-size:1.1rem;margin-bottom:6px}
.step p{color:var(--body);font-size:.94rem}

/* Article cards / library */
.art-teaser{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.acard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:.16s;display:flex;flex-direction:column}
.acard:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#bfe9e3}
.acard.feature{background:linear-gradient(135deg,var(--teal),var(--deep));color:#fff;border:0}
.acard .cat{font-size:.7rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:var(--teal)}
.acard.feature .cat{color:#bff4df}
.acard h4{font-size:1.1rem;margin:8px 0 8px}
.acard.feature h4{color:#fff;font-size:1.25rem}
.acard p{font-size:.9rem;color:var(--body);flex:1}
.acard.feature p{color:#dbf6ec}
.acard .readmore{font-weight:800;font-size:.86rem;color:var(--teal);margin-top:14px}
.acard.feature .readmore{color:#fff}
.acard .soon{font-size:.62rem;background:var(--mint);color:var(--deep);padding:3px 8px;border-radius:6px;font-weight:800}

.lib-controls{max-width:760px;margin:0 auto 28px}
.lib-searchbar{display:flex;align-items:center;background:#fff;border:2px solid var(--line);border-radius:999px;padding:6px 6px 6px 20px;transition:.15s}
.lib-searchbar:focus-within{border-color:var(--teal);box-shadow:0 0 0 4px rgba(26,171,155,.14)}
.lib-searchbar svg{color:var(--teal)}
.lib-searchbar input{flex:1;border:0;outline:0;font-size:1.02rem;padding:11px 12px;background:transparent;color:var(--heading)}
.searchbar{display:flex;align-items:center;background:#fff;border-radius:999px;box-shadow:0 18px 44px rgba(0,0,0,.22);padding:7px 7px 7px 22px;max-width:600px;margin:0 auto}
.searchbar svg{flex-shrink:0;color:var(--teal)}
.searchbar input{flex:1;border:0;outline:0;font-size:1.06rem;padding:12px 14px;color:var(--heading);background:transparent}
.searchbar.sm{max-width:440px;padding:5px 6px 5px 18px}
.searchbar.sm input{font-size:.98rem;padding:11px 10px}
.chips{display:flex;flex-wrap:wrap;gap:9px;justify-content:center;margin-top:22px}
.chip{background:#fff;border:1px solid var(--mint-200);color:var(--heading);border-radius:999px;padding:8px 16px;font-size:.88rem;font-weight:600;cursor:pointer;transition:.15s;box-shadow:0 2px 8px rgba(0,81,71,.05)}
.chip:hover{background:var(--teal);border-color:var(--teal);color:#fff;transform:translateY(-1px)}
.pills{display:flex;gap:9px;justify-content:center;flex-wrap:wrap;margin-top:18px}
.pill{background:#fff;border:1.5px solid var(--line);color:var(--body);border-radius:999px;padding:8px 18px;font-size:.88rem;font-weight:700;cursor:pointer;transition:.15s}
.pill:hover{border-color:var(--teal);color:var(--teal)}
.pill.active{background:var(--teal);border-color:var(--teal);color:#fff}
.lib-count{text-align:center;color:var(--body);font-size:.88rem;margin-bottom:22px}
.lib-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.lib-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:.16s;display:flex;flex-direction:column}
.lib-card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#bfe9e3}
.lib-card.feature{grid-column:span 3;background:linear-gradient(135deg,var(--teal),var(--deep));color:#fff;border:0;flex-direction:row;align-items:center;gap:28px;padding:30px 32px}
.lib-card.feature .fc{flex:1}
.lib-card .cat{font-size:.7rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:var(--teal);display:inline-flex;align-items:center;gap:8px}
.lib-card.feature .cat{color:#bff4df}
.lib-card h4{font-size:1.04rem;margin:8px 0 6px;line-height:1.3}
.lib-card.feature h4{color:#fff;font-size:1.5rem}
.lib-card p{font-size:.89rem;color:var(--body);flex:1}
.lib-card.feature p{color:#dbf6ec;font-size:1.02rem}
.lib-card .meta{font-size:.78rem;color:#90a09a;margin-top:12px}
.lib-card .readmore{font-weight:800;font-size:.86rem;color:var(--teal);margin-top:12px}
.lib-card.feature .readmore{color:#fff;background:rgba(255,255,255,.18);padding:11px 22px;border-radius:999px;align-self:flex-start;font-size:.95rem;margin-top:14px}
.lib-card .live{font-size:.62rem;background:#d8f6ee;color:var(--deep);padding:3px 8px;border-radius:6px;font-weight:800;letter-spacing:.04em}
.lib-empty{text-align:center;color:var(--body);padding:40px;display:none}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px}
details summary{padding:18px 22px;font-weight:700;color:var(--heading);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;font-size:1.02rem}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";font-size:1.4rem;color:var(--teal)}
details[open] summary::after{content:"–"}
details .body{padding:0 22px 20px;color:var(--body)}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--teal),var(--deep));color:#fff;text-align:center}
.cta-band h2{color:#fff;font-size:2.2rem;margin-bottom:12px}
.cta-band p{color:#dbf6ec;font-size:1.1rem;margin-bottom:26px}
.cta-band .ctas{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* Article typography */
article.post{padding:46px 0 20px;font-size:1.08rem;color:var(--body)}
article.post h2{font-size:1.7rem;margin:38px 0 14px;color:var(--heading)}
article.post h3{font-size:1.22rem;margin:26px 0 8px;color:var(--heading)}
article.post p{margin-bottom:18px}
article.post ul,article.post ol{margin:0 0 20px 22px}
article.post li{margin-bottom:9px}
article.post strong{color:var(--heading)}
.lead{font-size:1.22rem;color:#33433e}
.keybox{background:var(--mint);border-left:4px solid var(--teal);border-radius:10px;padding:22px 24px;margin:24px 0}
.keybox ul{margin-bottom:0}
table.cmp{width:100%;border-collapse:collapse;margin:24px 0;font-size:.97rem;border:1px solid var(--line);border-radius:10px;overflow:hidden}
table.cmp th,table.cmp td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line)}
table.cmp th{background:var(--deep);color:#fff;font-weight:700}
table.cmp tr:nth-child(even) td{background:var(--surface-alt)}
.cta-inline{background:linear-gradient(135deg,var(--teal),var(--deep));color:#fff;border-radius:var(--radius);padding:28px 30px;margin:34px 0;text-align:center}
.cta-inline h3{color:#fff;margin:0 0 8px;font-size:1.3rem}
.cta-inline p{color:#dbf6ec;margin-bottom:18px}
.byline{display:flex;align-items:center;gap:14px;font-size:.9rem;color:var(--body);flex-wrap:wrap}
.byline img{width:44px;height:44px;border-radius:50%;object-fit:cover;border:2px solid #fff;box-shadow:var(--shadow)}
.byline b{color:var(--heading)}
.byline .sep{width:4px;height:4px;border-radius:50%;background:#c3d0cc}
.pill-tag{display:inline-block;background:var(--mint);color:var(--deep);font-weight:700;font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:999px;margin-bottom:14px}
.disclaimer{font-size:.84rem;color:var(--body);border-top:1px solid var(--line);padding-top:22px;margin-top:34px;font-style:italic}

/* Forms (quote + contact) */
.formwrap{max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:34px}
.formrow{display:grid;gap:6px;margin-bottom:16px}
.formrow.two{grid-template-columns:1fr 1fr;gap:14px}
.formrow label{font-weight:700;font-size:.88rem;color:var(--heading)}
.formrow input,.formrow select,.formrow textarea{border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-size:1rem;font-family:inherit;color:var(--heading);background:#fff;width:100%}
.formrow input:focus,.formrow select:focus,.formrow textarea:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 4px rgba(26,171,155,.12)}
.form-note{font-size:.8rem;color:var(--body);text-align:center;margin-top:12px}

/* Footer */
footer{background:var(--footer);color:#a9b8b1;padding:56px 0 28px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
footer .brand{color:#fff;margin-bottom:14px}footer .brand .iq{box-shadow:none}
footer p.blurb{max-width:300px;margin-bottom:14px}
footer h5{color:#fff;font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:14px}
footer ul{list-style:none}footer ul li{margin-bottom:9px}footer ul a:hover{color:#fff}
.foot-contact a{color:#fff;font-weight:700;display:block;margin-bottom:7px}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.77rem;color:#869590;line-height:1.7}

@media(max-width:980px){
  .logo-grid{grid-template-columns:repeat(5,1fr)}
  .products,.values{grid-template-columns:1fr 1fr}
  .lib-grid{grid-template-columns:1fr 1fr}.lib-card.feature{grid-column:span 2}
}
@media(max-width:820px){
  .hero .grid,.split{grid-template-columns:1fr;gap:30px}
  .art-teaser,.steps{grid-template-columns:1fr}
  nav.main{display:none}.menu-toggle{display:block}
  .hero h1{font-size:2.4rem}.lib-card.feature{flex-direction:column;align-items:flex-start}
}
@media(max-width:560px){
  .products,.values,.lib-grid{grid-template-columns:1fr}.lib-card.feature{grid-column:span 1}
  .logo-grid{grid-template-columns:repeat(3,1fr)}.foot-grid{grid-template-columns:1fr 1fr}
  .hero h1{font-size:2rem}.formrow.two{grid-template-columns:1fr}
}
/* nav phone icon */
.nav-phone-ic{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;color:var(--deep);transition:.15s;flex-shrink:0}
.nav-phone-ic:hover{background:var(--mint);color:var(--teal)}
.nav-phone-ic svg{width:20px;height:20px}

/* ===== Motion & micro-detail layer ===== */
/* Scroll reveal (gated by .has-js so no-JS users see everything) */
.has-js .section-head,.has-js .pcard,.has-js .vcard,.has-js .acard,.has-js .feat,
.has-js .step,.has-js .split>img,.has-js .save-banner,.has-js .formwrap,
.has-js .cta-band .wrap{opacity:0;transform:translateY(28px);transition:opacity .7s cubic-bezier(.2,.65,.25,1),transform .7s cubic-bezier(.2,.65,.25,1);will-change:opacity,transform}
/* Library cards are injected dynamically — keep them visible, animate via JS only */
.lib-card{opacity:0;transform:translateY(14px);animation:fadeUp .45s ease forwards}
.has-js .is-in{opacity:1!important;transform:none!important}
@media(prefers-reduced-motion:reduce){.has-js *{opacity:1!important;transform:none!important;transition:none!important}}

/* Hero load fade-up (above the fold) */
.hero .inner>*,.hero .grid>*{animation:fadeUp .7s cubic-bezier(.2,.65,.25,1) both}
.hero .inner>*:nth-child(2),.hero .grid>*:nth-child(2){animation-delay:.08s}
.hero .inner>*:nth-child(3){animation-delay:.16s}
.hero .inner>*:nth-child(4){animation-delay:.24s}
.hero .inner>*:nth-child(5){animation-delay:.32s}
@keyframes fadeUp{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}

/* Header: shadow on scroll + animated nav underline */
header{transition:box-shadow .25s ease,background .25s ease}
header.scrolled{box-shadow:0 6px 26px rgba(15,31,26,.07)}
nav.main .navlink::after{content:"";position:absolute;left:0;bottom:-5px;height:2px;width:0;background:var(--teal);border-radius:2px;transition:width .25s ease}
nav.main .navlink:hover::after,nav.main .navlink.active::after{width:100%}

/* Card hover refinement */
.pcard,.vcard .ic,.acard,.lib-card{will-change:transform}

/* Product hero icon badge */
.prod-badge{width:66px;height:66px;border-radius:18px;background:#fff;border:1px solid var(--mint-200);box-shadow:0 8px 22px rgba(0,81,71,.08);display:grid;place-items:center;font-size:1.8rem;margin-bottom:18px}
.hero.center .prod-badge{margin-left:auto;margin-right:auto}

/* ===== Carrier logo carousel (auto-scroll marquee) ===== */
.cmarquee{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:30px 0}
.cmarquee .lbl{text-align:center;color:var(--body);font-size:.92rem;font-weight:600;margin:0 0 22px}
.cmarquee .lbl b{color:var(--deep);font-weight:700}
.cmarquee .viewport{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.cmarquee .track{display:flex;align-items:center;gap:64px;width:max-content;animation:scrollx 40s linear infinite}
.cmarquee:hover .track{animation-play-state:paused}
.cmarquee img{height:34px;width:auto;flex-shrink:0;filter:grayscale(1);opacity:.6;transition:filter .25s,opacity .25s,transform .25s}
.cmarquee img:hover{filter:none;opacity:1;transform:scale(1.08)}
@keyframes scrollx{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.cmarquee .track{animation:none;flex-wrap:wrap;justify-content:center;width:auto}}

/* ===== SVG icons (replace emoji) ===== */
.pcard .ic{color:var(--teal)}
.pcard .ic svg{width:26px;height:26px}
.vcard .ic{color:#fff}
.vcard .ic svg{width:28px;height:28px}
.prod-badge{color:var(--teal)}
.prod-badge svg{width:32px;height:32px}

/* ===== Tighter, cleaner rhythm ===== */
section{padding:64px 0}
.section-head{margin-bottom:40px}
.section-head h2{font-size:2.1rem}
.hero h1{font-size:3.05rem}
.hero.center .inner{max-width:720px}
.pcard{padding:24px 22px;border-radius:14px}
.pcard .ic{width:52px;height:52px;border-radius:13px;margin-bottom:16px}
.pcard h3{font-size:1.05rem}
.vcard .ic{width:58px;height:58px}
.values{gap:26px}
.products{gap:18px}
.lede{line-height:1.6}
.acard,.lib-card{border-radius:14px}

/* ===== Instant quote engine ===== */
.qwiz{max-width:660px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:32px}
.q-progress{height:6px;background:var(--mint-200);border-radius:99px;overflow:hidden;margin-bottom:8px}
.q-progress span{display:block;height:100%;background:linear-gradient(90deg,var(--teal),var(--deep));width:25%;transition:width .45s cubic-bezier(.4,.2,.2,1)}
.q-pcount{font-size:.78rem;color:var(--body);font-weight:600;margin-bottom:22px}
.q-step{display:none}.q-step.active{display:block;animation:fadeUp .4s both}
.q-step h2{font-size:1.55rem;margin-bottom:6px}
.q-step .sub{color:var(--body);margin-bottom:22px}
.q-opts{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-bottom:24px}
.q-opts.two{grid-template-columns:1fr 1fr}
.q-opt{border:1.5px solid var(--line);border-radius:13px;padding:18px 12px;text-align:center;cursor:pointer;font-weight:600;color:var(--heading);background:#fff;transition:.15s;font-size:.95rem}
.q-opt:hover{border-color:var(--teal);transform:translateY(-2px);box-shadow:var(--shadow-sm)}
.q-opt.sel{border-color:var(--teal);background:var(--mint);box-shadow:0 0 0 3px rgba(26,171,155,.15)}
.q-opt .ic{color:var(--teal);margin-bottom:8px}.q-opt .ic svg{width:26px;height:26px}
.q-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:22px}
.q-grid .full{grid-column:1/-1}
.q-nav{display:flex;justify-content:space-between;gap:12px;margin-top:6px}
.q-scan{text-align:center;padding:36px 0}
.q-spin{width:56px;height:56px;border:4px solid var(--mint-200);border-top-color:var(--teal);border-radius:50%;margin:0 auto 20px;animation:spin .9s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.q-scan .now{color:var(--teal);font-weight:700;min-height:1.2em}
.q-results-head{text-align:center;margin-bottom:20px}
.q-results-head h2{font-size:1.6rem}
.q-results{display:grid;gap:12px}
.q-rrow{display:flex;align-items:center;gap:18px;border:1px solid var(--line);border-radius:14px;padding:16px 20px;background:#fff;transition:.16s;flex-wrap:wrap}
.q-rrow:hover{box-shadow:var(--shadow);transform:translateY(-2px);border-color:var(--mint-200)}
.q-rrow.best{border-color:var(--teal);box-shadow:0 0 0 2px rgba(26,171,155,.2)}
.q-rrow .logo{width:110px;flex-shrink:0}.q-rrow .logo img{height:26px;width:auto}
.q-rrow .info{flex:1;min-width:120px}
.q-rrow .info b{color:var(--heading);font-size:1rem}
.q-rrow .info span{display:block;color:var(--body);font-size:.82rem}
.q-rrow .price{text-align:right}
.q-rrow .price b{font-size:1.5rem;color:var(--deep);font-family:'Playfair Display',serif;display:block}
.q-rrow .price span{color:var(--body);font-size:.78rem}
.q-best-tag{font-size:.62rem;background:var(--teal);color:#fff;padding:3px 8px;border-radius:6px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;margin-left:8px}
.q-disc{font-size:.78rem;color:var(--body);text-align:center;margin-top:18px;font-style:italic}
@media(max-width:560px){.q-opts,.q-opts.two,.q-grid{grid-template-columns:1fr}.q-rrow{justify-content:space-between}.q-rrow .price{text-align:left}}

/* ===== Article funnel CTA ===== */
.quote-cta{background:linear-gradient(135deg,var(--mint),#d7f0ea);border:1px solid var(--mint-200);border-radius:16px;padding:26px 30px;margin:32px 0;display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap}
.quote-cta .qc-txt{flex:1;min-width:240px}
.quote-cta h3{font-size:1.25rem;margin-bottom:4px;color:var(--heading)}
.quote-cta p{color:var(--body);font-size:.95rem;margin:0}
article.post .quote-cta h3{margin-top:0}
/* Embedded first-step quote/annuity form inside articles */
.quote-embed{background:linear-gradient(135deg,var(--mint),#d7f0ea);border:1px solid var(--mint-200);border-radius:16px;padding:24px 26px;margin:32px 0}
.quote-embed .qe-head{display:flex;gap:12px;align-items:flex-start;margin-bottom:16px}
.quote-embed .qe-head svg{width:26px;height:26px;color:var(--teal);flex-shrink:0;margin-top:2px}
.quote-embed .qe-head b{display:block;color:var(--heading);font-size:1.12rem;line-height:1.25}
.quote-embed .qe-head span{color:var(--body);font-size:.88rem}
.quote-embed .qe-fields{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:16px}
.quote-embed form[data-target^="/annuities"] .qe-fields{grid-template-columns:1fr 1fr}
.quote-embed label{display:flex;flex-direction:column;gap:5px;font-size:.78rem;font-weight:700;color:var(--heading)}
.quote-embed input,.quote-embed select{border:1px solid var(--mint-200);border-radius:9px;padding:10px 12px;font-size:.95rem;font-family:inherit;color:var(--heading);background:#fff}
.quote-embed input:focus,.quote-embed select:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 3px rgba(26,171,155,.14)}
.quote-embed .btn{width:100%}
@media(max-width:560px){.quote-embed .qe-fields,.quote-embed form[data-target^="/annuities"] .qe-fields{grid-template-columns:1fr}}
/* annuity application tip callout */
.q-tip{background:var(--mint);border:1px solid var(--mint-200);border-radius:12px;padding:14px 16px;margin-bottom:22px;font-size:.9rem;color:var(--deep);display:flex;gap:11px;align-items:flex-start;animation:fadeUp .4s both}
.q-tip svg{width:20px;height:20px;color:var(--teal);flex-shrink:0;margin-top:2px}
.q-tip b{color:var(--heading)}
.q-confirm{text-align:center;padding:20px 0}
.q-confirm .check{width:66px;height:66px;border-radius:50%;background:var(--mint);color:var(--teal);display:grid;place-items:center;margin:0 auto 18px}
.q-confirm .check svg{width:34px;height:34px}
.formrow .flab{font-weight:700;font-size:.85rem;color:var(--heading)}
.q-consent{display:flex;gap:10px;align-items:flex-start;font-size:.8rem;color:var(--body);margin-top:12px;line-height:1.5;cursor:pointer}
.q-consent input{margin-top:3px;flex-shrink:0}

/* ===== Audit fixes & polish ===== */
.values.cols-3{grid-template-columns:repeat(3,1fr);max-width:920px;margin-left:auto;margin-right:auto}
.about-portrait{display:block;width:100%;max-width:340px;margin:0 auto;border-radius:20px;box-shadow:var(--shadow);aspect-ratio:4/5;object-fit:cover}
.hero-portrait{display:block;width:100%;max-width:360px;margin:0 auto;border-radius:20px;box-shadow:var(--shadow);aspect-ratio:4/5;object-fit:cover}
.split img{max-width:100%}
/* keep value/product card icons crisp & consistent */
.vcard h3,.pcard h3{font-family:'Inter',sans-serif}
/* prevent any stray oversized media */
article.post img{border-radius:12px}
/* equalize about story column */
.about-split{align-items:center}
/* accessibility + polish: visible focus ring */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,.q-opt:focus-visible{outline:2px solid var(--teal);outline-offset:2px;border-radius:8px}
/* byline avatar always crisp */
.byline img{object-fit:cover}
/* smoother card + image transitions */
img{transition:none}
.acard,.pcard,.lib-card,.vcard .ic,.q-rrow,.btn{transition-property:transform,box-shadow,background,color,border-color;transition-duration:.2s;transition-timing-function:ease}

/* ===== Guides hub: photo cards ===== */
.lib-card{padding:0;overflow:hidden}
.lib-card .lc-img{height:158px;background-size:cover;background-position:center;background-color:var(--mint);transition:transform .45s ease}
.lib-card:hover .lc-img{transform:scale(1.06)}
.lib-card .lc-body{padding:18px 20px;display:flex;flex-direction:column;flex:1}
.lib-card .lc-body .meta{margin-top:8px}
.lib-card .lc-body .readmore{margin-top:12px}
.lib-card.feature{flex-direction:row;align-items:stretch;padding:0;gap:0}
.lib-card.feature .fc{padding:32px 34px;display:flex;flex-direction:column;gap:11px;flex:1;justify-content:center}
.lib-card.feature .lc-img{width:40%;min-height:250px;flex-shrink:0}
@media(max-width:820px){.lib-card.feature{flex-direction:column}.lib-card.feature .lc-img{width:100%;min-height:180px;order:-1}}
/* ===== Guide article: hero photo ===== */
.guide-hero{padding-bottom:58px}
.guide-photo{max-width:940px;margin:-34px auto 10px;padding:0 24px;position:relative;z-index:3}
.guide-photo img{width:100%;height:380px;object-fit:cover;border-radius:18px;box-shadow:var(--shadow)}
.rel-list{columns:2;column-gap:28px;margin-left:18px}
.rel-list li{margin-bottom:8px}
article.post ol li{margin-bottom:12px}
@media(max-width:560px){.guide-photo img{height:230px}.rel-list{columns:1}}

/* ===== Image placeholders ===== */
.img-ph{display:flex;align-items:center;justify-content:center;text-align:center;background:repeating-linear-gradient(45deg,var(--mint),var(--mint) 16px,#dcf2ec 16px,#dcf2ec 32px);border:2px dashed var(--teal);color:var(--deep);font-weight:800;letter-spacing:.1em;text-transform:uppercase;font-size:.82rem;border-radius:18px;padding:18px}
.guide-photo .img-ph{height:300px}
.lib-card .lc-img.ph{background:var(--mint);color:var(--teal-dark);font-weight:800;font-size:.6rem;letter-spacing:.09em;text-transform:uppercase;display:flex;align-items:center;justify-content:center;border-bottom:2px dashed var(--mint-200)}
.lib-card:hover .lc-img.ph{transform:none}
.lib-card.feature .lc-img.ph{border-bottom:0;border-left:2px dashed var(--mint-200)}

/* ===== Quote page: INSTANT redesign ===== */
.hl{background:linear-gradient(95deg,var(--teal),var(--deep));-webkit-background-clip:text;background-clip:text;color:transparent;font-style:italic;display:inline-block;padding:0 .12em;line-height:1.1}
.qhero{padding-bottom:54px}
.speed-badge{display:inline-flex;align-items:center;gap:9px;margin-top:24px;background:#fff;border:1px solid var(--mint-200);border-radius:999px;padding:9px 18px;font-weight:700;color:var(--deep);font-size:.92rem;box-shadow:var(--shadow-sm)}
.spin-dot{width:11px;height:11px;border-radius:50%;border:2px solid var(--mint-200);border-top-color:var(--teal);animation:spin .9s linear infinite}
.step .num.ic-num{background:linear-gradient(135deg,var(--teal),var(--deep));border:0;color:#fff}
.step .num.ic-num svg{width:26px;height:26px}
.step .num.ic-num::before{content:""}
.qprods{margin-top:6px}
.pcard.qprod{font-family:inherit;cursor:pointer;background:#fff;width:100%;border:1px solid var(--line);align-items:center}
.pcard.qprod:hover{border-color:var(--teal)}
.qprod-go{color:var(--teal);font-weight:700;font-size:.86rem;margin-top:auto;display:inline-flex;align-items:center;gap:5px}
.pcard.qprod:hover .qprod-go .arr{transform:translateX(4px)}
.qnotsure{background:var(--mint);border:1px solid var(--mint-200);border-radius:18px;padding:30px 34px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.qnotsure-cta{display:flex;gap:12px;flex-wrap:wrap}
@media(max-width:560px){.qnotsure{flex-direction:column;align-items:flex-start}}

/* ===== High-tech polish layer ===== */
/* Featured guide card: fix cramped button + clean spacing */
.lib-card.feature .fc{display:flex;flex-direction:column;gap:11px}
.lib-card.feature p{margin-bottom:0}
.lib-card.feature .readmore{margin-top:4px}
/* Colored category tags */
.lib-card .cat.cat-life{color:var(--teal)}
.lib-card .cat.cat-health{color:#0a8f7f}
.lib-card .cat.cat-annuities{color:#b8860b}
/* Pill + card counts */
.pill .cnt{display:inline-block;margin-left:7px;font-size:.78em;font-weight:700;background:rgba(0,81,71,.08);color:var(--deep);border-radius:99px;padding:1px 8px}
.pill.active .cnt{background:rgba(255,255,255,.26);color:#fff}
/* Read-more arrow slide */
.lib-card .readmore,.acard .readmore{display:inline-flex;align-items:center;gap:5px}
.lib-card .readmore .arr,.acard .readmore .arr{transition:transform .2s ease}
.lib-card:hover .readmore .arr,.acard:hover .readmore .arr{transform:translateX(5px)}
.lib-card:hover{border-color:var(--teal)}
/* Animated hero blobs (subtle, premium) */
.hero::after{animation:drift1 15s ease-in-out infinite alternate}
.hero::before{animation:drift2 17s ease-in-out infinite alternate}
@keyframes drift1{from{transform:translate(0,0) scale(1)}to{transform:translate(-34px,26px) scale(1.06)}}
@keyframes drift2{from{transform:translate(0,0) scale(1)}to{transform:translate(28px,-22px) scale(1.05)}}
/* Button sheen sweep on hover */
.btn-primary{position:relative;overflow:hidden}
.btn-primary>*{position:relative;z-index:1}
.btn-primary::before{content:"";position:absolute;inset:0;left:-130%;width:55%;background:linear-gradient(120deg,transparent,rgba(255,255,255,.30),transparent);transform:skewX(-20deg);transition:left .55s ease;pointer-events:none;z-index:0}
.btn-primary:hover::before{left:150%}
/* Eyebrow: subtle tracking pop */
.eyebrow{position:relative}
/* Search bar: focus glow */
.searchbar:focus-within{box-shadow:0 18px 44px rgba(0,0,0,.18),0 0 0 4px rgba(26,171,155,.16)}
@media(prefers-reduced-motion:reduce){.hero::after,.hero::before{animation:none}.btn-primary::before{display:none}.lib-card:hover .readmore .arr{transform:none}}