/* =========================================================
   Insurance SEO Company — by GrowMinion LLC
   Design system: ink + electric yellow
   ========================================================= */
@import url('https://fonts.googleapis.com/css2?family=Bricolage+Grotesque:opsz,wght@12..96,400;12..96,500;12..96,600;12..96,700;12..96,800&family=Hanken+Grotesk:wght@400;500;600;700&display=swap');

:root{
  --ink:#0E1116;
  --ink-2:#161B22;
  --ink-3:#1F2630;
  --yellow:#E9E70C;
  --yellow-deep:#C9C700;
  --paper:#FBFBF7;
  --paper-2:#F2F2EC;
  --line:#E4E4DA;
  --line-dark:#2A323D;
  --text:#13171D;
  --text-soft:#525a64;
  --text-invert:#FBFBF7;
  --text-invert-soft:#A8B0BB;
  --maxw:1180px;
  --radius:14px;
  --radius-sm:10px;
  --shadow:0 10px 40px rgba(14,17,22,.10);
  --shadow-lg:0 24px 70px rgba(14,17,22,.18);
  --font-display:"Bricolage Grotesque",Georgia,serif;
  --font-body:"Hanken Grotesk",-apple-system,BlinkMacSystemFont,sans-serif;
  --t:all .25s cubic-bezier(.4,0,.2,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);color:var(--text);background:var(--paper);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.08;letter-spacing:-.02em;color:var(--text)}
h1{font-size:clamp(2.4rem,5.2vw,4rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.8rem)}
h3{font-size:1.32rem;line-height:1.2}
h4{font-size:1.05rem}
p{margin-bottom:1rem}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-body);font-weight:700;font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--text-soft)}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--yellow-deep)}
.eyebrow.on-dark{color:var(--yellow)}
.eyebrow.on-dark::before{background:var(--yellow)}
.lead{font-size:1.18rem;color:var(--text-soft);max-width:62ch}
.center{text-align:center}
.mx-auto{margin-left:auto;margin-right:auto}
mark{background:linear-gradient(180deg,transparent 58%,var(--yellow) 58%);color:inherit;padding:0 .1em}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--font-body);font-weight:700;font-size:.98rem;padding:15px 28px;border-radius:100px;border:2px solid transparent;cursor:pointer;transition:var(--t);white-space:nowrap}
.btn-primary{background:var(--yellow);color:var(--ink);border-color:var(--yellow)}
.btn-primary:hover{background:var(--ink);color:var(--yellow);border-color:var(--ink);transform:translateY(-2px)}
.btn-dark{background:var(--ink);color:var(--text-invert);border-color:var(--ink)}
.btn-dark:hover{background:var(--yellow);color:var(--ink);border-color:var(--yellow);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:var(--text-invert)}
.btn-ghost-light{background:transparent;color:var(--text-invert);border-color:rgba(255,255,255,.4)}
.btn-ghost-light:hover{background:var(--yellow);color:var(--ink);border-color:var(--yellow)}
.btn-lg{padding:18px 36px;font-size:1.05rem}
.btn-sm{padding:11px 20px;font-size:.88rem}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(251,251,247,.85);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:74px}
.logo{display:flex;align-items:center;gap:11px;font-family:var(--font-display);font-weight:800;font-size:1.18rem;letter-spacing:-.03em}
.logo-mark{width:36px;height:36px;border-radius:50%;background:var(--yellow);display:grid;place-items:center;font-size:.92rem;font-weight:800;color:var(--ink);flex-shrink:0}
.logo small{display:block;font-family:var(--font-body);font-weight:600;font-size:.6rem;letter-spacing:.12em;text-transform:uppercase;color:var(--text-soft);margin-top:1px}
.nav-links{display:flex;align-items:center;gap:30px;list-style:none}
.nav-links a{font-weight:600;font-size:.95rem;color:var(--text);position:relative;padding:4px 0}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-2px;width:0;height:2px;background:var(--yellow-deep);transition:var(--t)}
.nav-links a:hover::after,.nav-links a.active::after{width:100%}
.header-cta{display:flex;align-items:center;gap:14px}
.menu-btn{display:none;background:none;border:0;cursor:pointer;flex-direction:column;gap:5px;padding:8px}
.menu-btn span{width:24px;height:2px;background:var(--ink);transition:var(--t)}

/* ---------- Hero ---------- */
.hero{background:var(--ink);color:var(--text-invert);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 1px 1px,rgba(233,231,12,.10) 1px,transparent 0);background-size:34px 34px;opacity:.5}
.hero::after{content:"";position:absolute;top:-120px;right:-120px;width:420px;height:420px;background:var(--yellow);filter:blur(180px);opacity:.16;border-radius:50%}
.hero-inner{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding:84px 0 92px}
.hero h1{color:var(--text-invert)}
.hero .lead{color:var(--text-invert-soft);margin:22px 0 30px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:38px}
.trust-bar{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;border-top:1px solid var(--line-dark);padding-top:26px}
.trust-stat .num{font-family:var(--font-display);font-weight:800;font-size:1.75rem;color:var(--yellow);line-height:1}
.trust-stat .lbl{font-size:.78rem;color:var(--text-invert-soft);margin-top:6px;display:block}

/* ---------- Lead form ---------- */
.lead-form{background:var(--paper);color:var(--text);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-lg)}
.lead-form h3{font-size:1.3rem;margin-bottom:4px}
.lead-form .fsub{font-size:.86rem;color:var(--text-soft);margin-bottom:20px}
.fg{margin-bottom:14px}
.fg label{display:block;font-size:.78rem;font-weight:700;margin-bottom:6px;color:var(--text)}
.fg input,.fg select,.fg textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-family:var(--font-body);font-size:.92rem;background:#fff;transition:var(--t)}
.fg input:focus,.fg select:focus,.fg textarea:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(233,231,12,.35)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-submit{width:100%;padding:16px;background:var(--ink);color:var(--text-invert);border:0;border-radius:100px;font-family:var(--font-body);font-weight:700;font-size:1rem;cursor:pointer;transition:var(--t)}
.form-submit:hover{background:var(--yellow);color:var(--ink)}
.form-fine{font-size:.74rem;color:var(--text-soft);text-align:center;margin-top:12px}

/* ---------- Sections ---------- */
.section{padding:84px 0}
.section-tight{padding:60px 0}
.section-alt{background:var(--paper-2)}
.section-dark{background:var(--ink);color:var(--text-invert)}
.section-dark h2,.section-dark h3,.section-dark h4{color:var(--text-invert)}
.section-dark p{color:var(--text-invert-soft)}
.sec-head{max-width:720px;margin-bottom:46px}
.sec-head.center{margin-left:auto;margin-right:auto}
.sec-head h2{margin:14px 0 12px}

/* ---------- Cards ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:var(--t)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--ink)}
.card .ic{width:46px;height:46px;border-radius:11px;background:var(--ink);color:var(--yellow);display:grid;place-items:center;margin-bottom:18px}
.card .ic svg{width:23px;height:23px}
.card h3{font-size:1.18rem;margin-bottom:9px}
.card p{font-size:.95rem;color:var(--text-soft);margin:0}
.card .more{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-weight:700;font-size:.88rem;color:var(--ink)}
.card .more::after{content:"\2192";transition:var(--t)}
.card:hover .more::after{transform:translateX(4px)}
.card-link{display:block}
.section-dark .card{background:var(--ink-2);border-color:var(--line-dark)}
.section-dark .card:hover{border-color:var(--yellow)}
.section-dark .card p{color:var(--text-invert-soft)}
.section-dark .card .ic{background:var(--yellow);color:var(--ink)}
.section-dark .card .more{color:var(--yellow)}

/* ---------- Proof grid ---------- */
.proof-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.proof-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:var(--t)}
.proof-card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.proof-card .frame{background:var(--ink-2);padding:14px;border-bottom:1px solid var(--line)}
.proof-card img{border-radius:8px;width:100%}
.proof-card .body{padding:20px 22px}
.proof-tag{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink);background:var(--yellow);padding:4px 10px;border-radius:100px;margin-bottom:10px}
.proof-card h3{font-size:1.08rem;margin-bottom:6px}
.proof-card p{font-size:.9rem;color:var(--text-soft);margin:0}
.proof-placeholder{display:grid;place-items:center;min-height:200px;background:repeating-linear-gradient(45deg,#f7f7f1,#f7f7f1 12px,#f0f0e8 12px,#f0f0e8 24px);color:var(--text-soft);font-size:.86rem;text-align:center;padding:24px;border-radius:8px}

/* ---------- Stat row ---------- */
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;text-align:center}
.stat-row .num{font-family:var(--font-display);font-weight:800;font-size:2.6rem;color:var(--yellow);line-height:1}
.stat-row .lbl{font-size:.86rem;color:var(--text-invert-soft);margin-top:8px}

/* ---------- Timeline ---------- */
.timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.tl-card{background:var(--ink-2);border:1px solid var(--line-dark);border-radius:var(--radius);padding:26px;position:relative}
.tl-card .mo{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--yellow);margin-bottom:10px}
.tl-card h4{margin-bottom:7px}
.tl-card p{font-size:.9rem;margin:0}

/* ---------- Split / detail ---------- */
.detail-grid{display:grid;grid-template-columns:1fr 350px;gap:54px;align-items:start}
.prose{max-width:760px}
.prose h2{margin:42px 0 14px}
.prose h3{margin:32px 0 10px;font-size:1.3rem}
.prose p,.prose li{font-size:1.04rem;color:#2c333c}
.prose ul,.prose ol{margin:0 0 1.2rem 1.2rem}
.prose li{margin-bottom:.5rem}
.prose strong{color:var(--text)}
.callout{background:var(--paper-2);border-left:4px solid var(--yellow-deep);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:20px 24px;margin:26px 0}
.callout p{margin:0;font-size:1rem}

/* ---------- Sidebar ---------- */
.sidebar{position:sticky;top:96px;background:var(--ink);color:var(--text-invert);border-radius:var(--radius);padding:30px}
.sidebar h4{color:var(--text-invert);margin-bottom:6px}
.sidebar p{color:var(--text-invert-soft);font-size:.9rem}
.sidebar ul{list-style:none;margin:18px 0}
.sidebar li{padding:9px 0;border-bottom:1px solid var(--line-dark);font-size:.9rem;color:var(--text-invert-soft);display:flex;gap:9px}
.sidebar li::before{content:"\2713";color:var(--yellow);font-weight:800}
.sidebar .btn{width:100%;justify-content:center;margin-top:6px}

/* ---------- FAQ ---------- */
.faq{max-width:780px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{width:100%;background:none;border:0;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 0;cursor:pointer;font-family:var(--font-display);font-weight:600;font-size:1.12rem;text-align:left;color:var(--text)}
.faq-q .sign{flex-shrink:0;width:26px;height:26px;border-radius:50%;background:var(--ink);color:var(--yellow);display:grid;place-items:center;font-size:1.1rem;transition:var(--t)}
.faq-item.open .sign{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-a-inner{padding:0 0 22px;color:var(--text-soft);font-size:1rem}
.faq-a-inner a{color:var(--ink);font-weight:600;text-decoration:underline;text-decoration-color:var(--yellow-deep)}

/* ---------- CTA banner ---------- */
.cta{background:var(--yellow);color:var(--ink);text-align:center;padding:74px 0}
.cta h2{color:var(--ink);margin-bottom:12px}
.cta p{font-size:1.12rem;max-width:560px;margin:0 auto 26px;color:#2c2c10}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- Breadcrumb / page hero ---------- */
.page-hero{background:var(--ink);color:var(--text-invert);padding:56px 0 60px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;bottom:-120px;left:-80px;width:340px;height:340px;background:var(--yellow);filter:blur(170px);opacity:.14;border-radius:50%}
.page-hero h1{color:var(--text-invert);position:relative;max-width:18ch}
.page-hero .lead{color:var(--text-invert-soft);position:relative;margin-top:16px}
.crumb{position:relative;font-size:.84rem;color:var(--text-invert-soft);margin-bottom:18px;display:flex;gap:8px}
.crumb a{color:var(--yellow)}

/* ---------- Author / about ---------- */
.author-card{display:grid;grid-template-columns:200px 1fr;gap:30px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.author-card img{border-radius:var(--radius-sm);width:100%;object-fit:cover}
.author-card .role{font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--text-soft);margin-bottom:6px}
.author-mini{display:flex;align-items:center;gap:14px;margin-top:28px;padding-top:22px;border-top:1px solid var(--line)}
.author-mini img{width:54px;height:54px;border-radius:50%;object-fit:cover}
.author-mini .nm{font-weight:700;font-size:.95rem}
.author-mini .mt{font-size:.82rem;color:var(--text-soft)}

/* ---------- Blog ---------- */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:var(--t);display:flex;flex-direction:column}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--ink)}
.post-card .thumb{aspect-ratio:16/9;background:var(--ink);color:var(--yellow);display:grid;place-items:center;font-family:var(--font-display);font-weight:800;font-size:1.3rem;padding:20px;text-align:center;line-height:1.1}
.post-card .pc-body{padding:22px;flex:1;display:flex;flex-direction:column}
.post-card .cat{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--yellow-deep);margin-bottom:9px}
.post-card h3{font-size:1.12rem;margin-bottom:8px}
.post-card p{font-size:.9rem;color:var(--text-soft);flex:1}
.post-card .meta{font-size:.8rem;color:var(--text-soft);margin-top:14px}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:var(--text-invert-soft);padding:64px 0 28px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;padding-bottom:40px;border-bottom:1px solid var(--line-dark)}
.footer-grid .logo{color:var(--text-invert);margin-bottom:14px}
.footer-brand p{font-size:.92rem;max-width:34ch}
.footer-col h4{color:var(--text-invert);font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px;font-family:var(--font-body);font-weight:700}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:10px}
.footer-col a{font-size:.92rem;transition:var(--t)}
.footer-col a:hover{color:var(--yellow)}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;padding-top:24px;font-size:.82rem}
.footer-bottom .gm{color:var(--yellow);font-weight:600}

/* ---------- Animations ---------- */
@keyframes rise{from{opacity:0;transform:translateY(26px)}to{opacity:1;transform:translateY(0)}}
.r{opacity:0;animation:rise .7s cubic-bezier(.2,.7,.2,1) forwards}
.r1{animation-delay:.05s}.r2{animation-delay:.15s}.r3{animation-delay:.28s}.r4{animation-delay:.4s}
@media (prefers-reduced-motion:reduce){.r{animation:none;opacity:1}}

/* ---------- Responsive ---------- */
@media(max-width:980px){
  .hero-inner,.detail-grid,.grid-3,.grid-2,.timeline,.blog-grid,.proof-grid,.author-card{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .sidebar{position:static}
  .author-card{text-align:center}
  .author-card img{max-width:200px;margin:0 auto}
}
@media(max-width:680px){
  body{font-size:16px}
  .nav-links,.header-cta .btn{display:none}
  .menu-btn{display:flex}
  .nav-links.show{display:flex;position:absolute;top:74px;left:0;right:0;flex-direction:column;background:var(--paper);padding:18px 24px;gap:14px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .trust-bar,.stat-row,.frow{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr}
  .section{padding:60px 0}
  .lead-form{padding:22px}
  .page-hero{padding:44px 0 48px}
  .page-hero h1{font-size:2rem}
}
@media(max-width:440px){
  .frow{grid-template-columns:1fr}
  .trust-bar,.stat-row{grid-template-columns:1fr 1fr}
}