/* Insure with Shamna — shared stylesheet for inner pages (service pages, guides, about).
   The homepage keeps its own inline CSS for the fastest first paint.
   Versioned file name (.v1.) so browsers can cache it for a year; save as .v2. when changed. */
@font-face{font-family:'Work Sans';src:url('/fonts/worksans-var.v1.woff2') format('woff2');font-weight:400 700;font-style:normal;font-display:swap;}
@font-face{font-family:'Fraunces';src:url('/fonts/fraunces-600.v1.woff2') format('woff2');font-weight:400 700;font-style:normal;font-display:swap;}
@font-face{font-family:'Fraunces';src:url('/fonts/fraunces-500i.v1.woff2') format('woff2');font-weight:400 700;font-style:italic;font-display:swap;}
:root{
  --navy:#1B2333; --navy-solid:#131A28;
  --gold:#C9A66B; --gold-soft:#E7D5AE; --gold-deep:#A8803D;
  --blush:#C97B6C; --blush-deep:#A74E3D; --blush-soft:#EAC3B9;
  --cream:#FAF6EF; --paper:#FFFFFF;
  --ink:#22262E; --ink-soft:#5A6270; --line:#E7E0D3;
  --ok:#2F7D57; --wa:#1F9D55;
  --serif:'Fraunces', Georgia, 'Times New Roman', serif;
  --sans:'Work Sans', system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
}
*{box-sizing:border-box;}
html{-webkit-text-size-adjust:100%; scroll-behavior:smooth;}
body{margin:0; background:var(--cream); color:var(--ink); font-family:var(--sans); -webkit-font-smoothing:antialiased; overflow-x:hidden; line-height:1.6;}
h1,h2,h3{font-family:var(--serif); font-weight:600; letter-spacing:-0.01em; color:var(--navy); margin:0;}
a{color:inherit;}
img{max-width:100%; display:block;}
.wrap{max-width:1140px; margin:0 auto; padding:0 28px;}
@media(max-width:560px){.wrap{padding:0 18px;}}
.eyebrow{font-size:12.5px; letter-spacing:.16em; text-transform:uppercase; color:var(--blush-deep); font-weight:600; margin-bottom:14px; display:flex; align-items:center; gap:10px;}
.eyebrow::before{content:""; width:26px; height:1px; background:currentColor; display:inline-block;}
.skip{position:absolute; left:-9999px;}
.skip:focus{left:12px; top:12px; z-index:999; background:var(--paper); padding:10px 14px; border-radius:8px;}

/* NAV */
header.site-nav{position:sticky; top:0; z-index:50; background:rgba(250,246,239,.95); border-bottom:1px solid var(--line);}
.nav-inner{display:flex; align-items:center; justify-content:space-between; padding:13px 28px; max-width:1140px; margin:0 auto; gap:18px;}
@media(max-width:560px){.nav-inner{padding:11px 16px; gap:10px;}}
.nav-name-wrap{display:flex; flex-direction:column; line-height:1.2; text-decoration:none;}
.nav-name{font-family:var(--serif); font-weight:600; font-size:18px; color:var(--navy);}
.nav-name span{color:var(--blush-deep);}
.nav-sub{font-size:10.5px; letter-spacing:.06em; text-transform:uppercase; color:var(--ink-soft); font-weight:600; margin-top:2px;}
.nav-links{display:flex; align-items:center; gap:22px; flex:1; justify-content:center;}
.nav-links a{font-size:14px; font-weight:500; color:var(--ink-soft); text-decoration:none; white-space:nowrap;}
.nav-links a:hover,.nav-links a[aria-current]{color:var(--navy);}
.nav-cta{display:flex; gap:8px; align-items:center;}
.menu{position:relative; display:none;}
.menu summary{list-style:none; cursor:pointer; width:42px; height:42px; border:1px solid var(--line); border-radius:12px; display:flex; align-items:center; justify-content:center; background:var(--paper);}
.menu summary::-webkit-details-marker{display:none;}
.menu summary svg{width:20px; height:20px;}
.menu-panel{position:absolute; right:0; top:50px; width:250px; background:var(--paper); border:1px solid var(--line); border-radius:16px; box-shadow:0 24px 50px -24px rgba(27,35,51,.4); padding:10px; display:flex; flex-direction:column;}
.menu-panel a{padding:10px 12px; border-radius:10px; font-size:15px; font-weight:500; text-decoration:none; color:var(--navy);}
.menu-panel a:hover{background:var(--cream);}
.menu-panel .grp{font-size:11px; letter-spacing:.12em; text-transform:uppercase; color:var(--ink-soft); font-weight:700; padding:10px 12px 4px;}
@media(max-width:980px){ .nav-links{display:none;} .menu{display:block;} }
@media(max-width:420px){ .nav-sub .llc{display:none;} .nav-name{font-size:16px;} .nav-cta .btn-wa-txt{display:none;} }

.btn{display:inline-flex; align-items:center; justify-content:center; gap:8px; padding:11px 20px; border-radius:100px; font-size:14.5px; font-weight:600; border:1px solid var(--navy); transition:background .2s ease, transform .2s ease, color .2s ease; white-space:nowrap; cursor:pointer; line-height:1.2; text-decoration:none;}
.btn svg{width:17px; height:17px; flex-shrink:0;}
.btn-solid{background:var(--navy); color:var(--cream);}
.btn-solid:hover{background:var(--navy-solid); transform:translateY(-1px);}
.btn-line{background:transparent; color:var(--navy);}
.btn-line:hover{background:var(--navy); color:var(--cream);}
.btn-gold{background:var(--gold); border-color:var(--gold); color:var(--navy-solid);}
.btn-gold:hover{background:var(--gold-soft); border-color:var(--gold-soft);}
.btn-wa{background:var(--wa); border-color:var(--wa); color:#fff;}
.btn-wa:hover{background:#188246;}
.btn-lg{padding:15px 26px; font-size:15.5px;}
a:focus-visible,.btn:focus-visible,summary:focus-visible{outline:2px solid var(--gold); outline-offset:3px;}

/* BREADCRUMB + HERO */
.crumbs{font-size:13px; color:#B9C0CC; margin-bottom:18px;}
.crumbs ol{list-style:none; margin:0; padding:0; display:flex; flex-wrap:wrap; gap:6px;}
.crumbs li+li::before{content:"/"; margin-right:6px; opacity:.6;}
.crumbs a{color:var(--gold-soft); text-decoration:none;}
.crumbs a:hover{text-decoration:underline;}
.page-hero{background:var(--navy); color:var(--cream); padding:40px 0 52px;
  background-image:radial-gradient(ellipse at 10% 0%, rgba(201,166,107,.16), transparent 45%), radial-gradient(ellipse at 95% 90%, rgba(201,123,108,.18), transparent 50%);}
.page-hero .eyebrow{color:var(--gold-soft);}
.page-hero h1{color:var(--cream); font-size:clamp(30px,4.2vw,48px); line-height:1.1; max-width:22ch;}
.page-hero h1 em{font-style:italic; font-weight:500; color:var(--gold-soft);}
.page-hero .lede{margin:18px 0 0; font-size:17px; line-height:1.65; color:#D9DEE7; max-width:62ch;}
.hero-actions{margin-top:26px; display:flex; flex-wrap:wrap; gap:12px;}
.hero-actions .btn-line{border-color:rgba(250,246,239,.5); color:var(--cream);}
.hero-actions .btn-line:hover{background:rgba(250,246,239,.12);}
@media(max-width:560px){ .hero-actions .btn{flex:1 1 100%;} .page-hero{padding:28px 0 40px;} }
.chips{margin:22px 0 0; padding:0; list-style:none; display:flex; flex-wrap:wrap; gap:8px 18px; font-size:13.5px; color:#C3CAD5;}
.chips li{display:flex; align-items:center; gap:7px;}
.chips svg{width:15px; height:15px; stroke:var(--gold); flex-shrink:0;}
.byline{margin-top:22px; display:flex; align-items:center; gap:12px; font-size:13px; color:#C3CAD5;}
.byline img{width:40px; height:40px; border-radius:50%; object-fit:cover; object-position:center 18%; border:2px solid var(--gold-soft);}
.byline a{color:var(--gold-soft);}

/* LAYOUT */
.layout{display:grid; grid-template-columns:minmax(0,1fr) 320px; gap:48px; padding-top:52px; padding-bottom:70px; align-items:start;}
@media(max-width:980px){ .layout{grid-template-columns:1fr; gap:32px; padding-top:36px; padding-bottom:56px;} }
.article{min-width:0;}
.article h2{font-size:clamp(23px,2.6vw,29px); line-height:1.2; margin:44px 0 14px; scroll-margin-top:80px;}
.article h2:first-child{margin-top:0;}
.article h3{font-size:18.5px; margin:26px 0 8px;}
.article p,.article li{font-size:16.5px; line-height:1.75; color:#343a44;}
.article p{margin:0 0 16px;}
.article ul,.article ol{padding-left:22px; margin:0 0 18px;}
.article li{margin-bottom:8px;}
.article a{color:var(--blush-deep); font-weight:600;}
.article strong{color:var(--ink);}
.answer{background:var(--paper); border:1px solid var(--line); border-left:4px solid var(--gold); border-radius:14px; padding:18px 20px; margin:0 0 28px;}
.answer .lbl{font-size:11.5px; letter-spacing:.14em; text-transform:uppercase; font-weight:700; color:var(--gold-deep); margin-bottom:6px;}
.answer p{margin:0; font-size:16.5px;}
.toc{background:var(--paper); border:1px solid var(--line); border-radius:14px; padding:16px 20px; margin:0 0 30px;}
.toc b{font-size:13px; letter-spacing:.08em; text-transform:uppercase; color:var(--ink-soft);}
.toc ol{margin:8px 0 0; padding-left:20px;}
.toc li{font-size:15px; margin-bottom:4px;}
.toc a{color:var(--navy); font-weight:500; text-decoration:none;}
.toc a:hover{text-decoration:underline;}
.table-wrap{overflow-x:auto; margin:6px 0 22px; border:1px solid var(--line); border-radius:14px; background:var(--paper);}
table{border-collapse:collapse; width:100%; min-width:520px; font-size:14.5px;}
th,td{padding:12px 14px; text-align:left; vertical-align:top; border-bottom:1px solid var(--line); line-height:1.5;}
th{background:#F4EEE3; font-weight:600; color:var(--navy); font-size:13.5px;}
tr:last-child td{border-bottom:0;}
@media(max-width:560px){ table{min-width:0; font-size:13.5px;} th,td{padding:10px 9px;} }
.note{background:#FFFDF8; border:1px solid var(--gold-soft); border-radius:12px; padding:14px 16px; font-size:14.5px; color:var(--ink-soft); margin:0 0 20px;}
.note p{font-size:14.5px; margin:0;}
.checklist{list-style:none; padding:0 !important;}
.checklist li{position:relative; padding-left:30px;}
.checklist li::before{content:""; position:absolute; left:0; top:6px; width:16px; height:16px; border:1.5px solid var(--ok); border-radius:4px;}
.checklist li::after{content:""; position:absolute; left:5px; top:8px; width:5px; height:9px; border:solid var(--ok); border-width:0 2px 2px 0; transform:rotate(45deg);}
.grid2{display:grid; grid-template-columns:1fr 1fr; gap:16px; margin:8px 0 24px;}
.grid2>*{min-width:0;}
.grid2 td{overflow-wrap:anywhere;}
@media(max-width:640px){.grid2{grid-template-columns:1fr;}}
.card{background:var(--paper); border:1px solid var(--line); border-radius:16px; padding:20px;}
.card h3{margin:0 0 8px; font-size:17px;}
.card p{font-size:15px; margin:0 0 10px; line-height:1.6;}
.card a.more{font-size:14px; font-weight:600; color:var(--blush-deep); text-decoration:none;}
.card a.more:hover{text-decoration:underline;}

/* FAQ */
.faq-list{display:flex; flex-direction:column; gap:10px; margin:0 0 10px;}
.faq-list details{background:var(--paper); border:1px solid var(--line); border-radius:14px; padding:0 18px;}
.faq-list details[open]{border-color:var(--gold);}
.faq-list summary{list-style:none; cursor:pointer; padding:16px 0; display:flex; justify-content:space-between; gap:16px; align-items:center; font-family:var(--serif); font-weight:600; font-size:16.5px; color:var(--navy); line-height:1.35;}
.faq-list summary::-webkit-details-marker{display:none;}
.faq-list summary::after{content:"+"; font-family:var(--sans); font-size:22px; font-weight:400; color:var(--gold-deep); flex-shrink:0; transition:transform .2s ease;}
.faq-list details[open] summary::after{transform:rotate(45deg);}
.faq-list details p{margin:0 0 16px; font-size:15.5px;}

/* AUTHOR BOX */
.author{display:flex; gap:16px; align-items:flex-start; background:var(--paper); border:1px solid var(--line); border-radius:16px; padding:20px; margin:40px 0 0;}
.author img{width:64px; height:64px; border-radius:50%; object-fit:cover; object-position:center 18%; flex-shrink:0;}
.author b{font-family:var(--serif); font-size:17px; color:var(--navy); display:block;}
.author span{font-size:13px; color:var(--blush-deep); font-weight:600;}
.author p{font-size:14.5px !important; margin:8px 0 0 !important; color:var(--ink-soft) !important;}
.sources{margin-top:26px; font-size:13.5px; color:var(--ink-soft);}
.sources ul{padding-left:18px;}
.sources li{font-size:13.5px !important; margin-bottom:4px;}
.sources a{font-weight:500 !important;}
.updated{font-size:13px; color:var(--ink-soft); margin-top:18px;}

/* ASIDE */
.aside{position:sticky; top:86px; display:flex; flex-direction:column; gap:16px;}
@media(max-width:980px){ .aside{position:static;} }
.cta-card{background:var(--navy); color:var(--cream); border-radius:20px; padding:24px; background-image:radial-gradient(circle at 100% 0%, rgba(201,166,107,.22), transparent 55%);}
.cta-card .who{display:flex; gap:12px; align-items:center; margin-bottom:14px;}
.cta-card .who img{width:52px; height:52px; border-radius:50%; object-fit:cover; object-position:center 18%; border:2px solid var(--gold-soft);}
.cta-card .who b{font-family:var(--serif); font-size:16px; display:block;}
.cta-card .who span{font-size:12px; color:#B9C0CC;}
.cta-card h2{color:var(--cream); font-size:21px; line-height:1.25; margin:0 0 8px;}
.cta-card p{font-size:14px; color:#C3CAD5; margin:0 0 16px; line-height:1.55;}
.cta-card .btn{width:100%; margin-bottom:10px;}
.cta-card .btn-line{border-color:rgba(250,246,239,.45); color:var(--cream);}
.cta-card small{display:block; font-size:12px; color:#9AA3B2; line-height:1.5; margin-top:4px;}
.side-links{background:var(--paper); border:1px solid var(--line); border-radius:16px; padding:18px 20px;}
.side-links b{font-size:12px; letter-spacing:.12em; text-transform:uppercase; color:var(--ink-soft);}
.side-links ul{list-style:none; margin:10px 0 0; padding:0; display:flex; flex-direction:column; gap:8px;}
.side-links a{font-size:14.5px; font-weight:500; color:var(--navy); text-decoration:none;}
.side-links a:hover{color:var(--blush-deep);}

/* CTA BAND */
.band{background:var(--navy); color:var(--cream); border-radius:24px; padding:40px 36px; display:flex; flex-wrap:wrap; gap:24px; align-items:center; justify-content:space-between; margin:0 0 70px;
  background-image:radial-gradient(circle at 100% 0%, rgba(201,166,107,.22), transparent 55%);}
.band h2{color:var(--cream); font-size:clamp(22px,2.6vw,28px); max-width:26ch;}
.band p{margin:8px 0 0; color:#C3CAD5; font-size:15px;}
.band .acts{display:flex; gap:10px; flex-wrap:wrap;}
@media(max-width:560px){ .band{padding:28px 20px; margin-bottom:50px;} .band .acts .btn{flex:1 1 100%;} }
.disclosure{font-size:12.5px; color:var(--ink-soft); text-align:center; max-width:680px; margin:0 auto 40px; line-height:1.7;}

/* HUB CARDS */
.hub{display:grid; grid-template-columns:repeat(3,1fr); gap:18px; margin:6px 0 30px;}
@media(max-width:900px){.hub{grid-template-columns:repeat(2,1fr);}}
@media(max-width:600px){.hub{grid-template-columns:1fr;}}
.hub a{display:flex; flex-direction:column; gap:8px; background:var(--paper); border:1px solid var(--line); border-radius:18px; padding:22px; text-decoration:none; transition:border-color .2s ease, transform .2s ease;}
.hub a:hover{border-color:var(--gold); transform:translateY(-2px);}
.hub a b{font-family:var(--serif); font-size:18px; color:var(--navy); font-weight:600;}
.hub a span{font-size:14.5px; color:var(--ink-soft); line-height:1.55;}
.hub a i{font-style:normal; font-size:14px; font-weight:600; color:var(--blush-deep); margin-top:auto;}

/* FOOTER */
footer.site-foot{background:var(--paper); border-top:1px solid var(--line); padding:44px 0 36px; font-size:14px; color:var(--ink-soft);}
.foot-grid{display:grid; grid-template-columns:1.3fr 1fr 1fr 1fr; gap:28px;}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr;} .foot-grid>div:first-child{grid-column:1/-1;}}
.foot-grid h2{font-family:var(--sans); font-size:12px; letter-spacing:.12em; text-transform:uppercase; color:var(--ink-soft); font-weight:700; margin:0 0 12px;}
.foot-grid ul{list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:8px;}
.foot-grid a{text-decoration:none; color:var(--navy);}
.foot-grid a:hover{color:var(--blush-deep);}
.foot-brand{font-family:var(--serif); color:var(--navy); font-weight:600; font-size:17px; display:block; margin-bottom:8px;}
.foot-bottom{margin-top:30px; padding-top:20px; border-top:1px solid var(--line); display:flex; flex-wrap:wrap; gap:10px 20px; justify-content:space-between; font-size:12.5px;}
.foot-bottom a{color:var(--ink-soft);}
@media(max-width:760px){ footer.site-foot{padding-bottom:100px;} }

/* MOBILE BAR */
.mbar{position:fixed; left:0; right:0; bottom:0; z-index:150; display:none; gap:10px; padding:10px 14px calc(10px + env(safe-area-inset-bottom)); background:rgba(255,255,255,.97); border-top:1px solid var(--line); box-shadow:0 -10px 30px -18px rgba(19,26,40,.35);}
.mbar .btn{flex:1; padding:12px 10px;}
@media(max-width:760px){ .mbar{display:flex;} }
@media (prefers-reduced-motion: reduce){ html{scroll-behavior:auto;} *{transition:none!important;} }