/* ==========================================================================
   1. DESIGN SYSTEM  (extracted verbatim from waugh-homepage-redesign.html)
   ========================================================================== */

/* ============================================================
   WAUGH AGENCY INSURANCE — 2026 HOMEPAGE REDESIGN
   ------------------------------------------------------------
   PALETTE IS DERIVED FROM THE LOGO:
     #2E6692  "WAUGH AGENCY" wordmark navy   <-- DARKEST COLOR USED ANYWHERE
     #86C4D2  logo tile sky blue
     #6D6E71  "INSURANCE" grey
   Nothing in this document is darker than #2E6692.
   ============================================================ */

:root{
  /* ---- Brand core (floor = logo navy) ---- */
  --brand:      #2E6692;   /* logo wordmark navy — the darkest value in the system */
  --brand-600:  #37729F;
  --brand-500:  #4585B2;
  --brand-400:  #5E9AC2;
  --brand-300:  #7FB3D2;

  /* ---- Logo sky blue ---- */
  --sky:        #86C4D2;   /* logo tile */
  --sky-200:    #A9D7E1;
  --sky-100:    #C9E7EE;
  --sky-wash:   #E9F4F8;

  /* ---- Supporting neutrals (all lighter than --brand) ---- */
  --grey:       #6D6E71;   /* logo "INSURANCE" grey */
  --slate:      #55708A;   /* body copy */
  --slate-light:#7C93A8;
  --line:       #DCE8F0;
  --line-soft:  #EAF1F6;
  --paper:      #F4F9FB;
  --brand-wash: #EDF3F9;
  --white:      #FFFFFF;

  /* ---- Type ---- */
  --sans: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* ---- Shape ---- */
  --r-sm: 8px; --r: 14px; --r-lg: 22px; --r-xl: 30px;

  /* ---- Elevation (tinted with brand, never black) ---- */
  --sh-sm: 0 1px 2px rgba(46,102,146,.07), 0 2px 8px rgba(46,102,146,.05);
  --sh:    0 2px 4px rgba(46,102,146,.05), 0 12px 28px rgba(46,102,146,.10);
  --sh-lg: 0 4px 8px rgba(46,102,146,.05), 0 24px 60px rgba(46,102,146,.16);

  --maxw: 1240px;

  /* ---- Live hero gradient stops (animated by scroll) ---- */
  --g1: #2E6692;
  --g2: #4585B2;
  --g3: #6AA5C6;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
body{
  margin:0;
  font-family:var(--body);
  font-size:17px; line-height:1.65;
  color:var(--slate);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }

h1,h2,h3,h4,h5{
  font-family:var(--sans); color:var(--brand);
  margin:0 0 .5em; letter-spacing:-.025em; line-height:1.12; font-weight:800;
}
h1{ font-size:clamp(2.4rem, 5.2vw, 4rem); }
h2{ font-size:clamp(1.9rem, 3.6vw, 2.85rem); }
h3{ font-size:1.25rem; letter-spacing:-.015em; }
p{ margin:0 0 1.1em; }
p:last-child{ margin-bottom:0; }

.wrap{ width:100%; max-width:var(--maxw); margin:0 auto; padding:0 28px; }
.section{ padding:104px 0; }
.section--tight{ padding:76px 0; }

/* ---------- Shared ---------- */
.eyebrow{
  display:inline-flex; align-items:center; gap:9px;
  font-family:var(--sans); font-weight:700; font-size:.72rem;
  letter-spacing:.14em; text-transform:uppercase;
  color:var(--brand-500); margin-bottom:20px;
}
.eyebrow::before{
  content:''; width:26px; height:2px; border-radius:2px;
  background:linear-gradient(90deg,var(--sky),rgba(134,196,210,.25));
}
.eyebrow--light{ color:var(--sky-100); }
.eyebrow--light::before{ background:linear-gradient(90deg,var(--sky),rgba(201,231,238,.25)); }

.lede{ font-size:1.13rem; color:var(--slate); max-width:60ch; }
.section-head{ max-width:760px; margin-bottom:56px; }
.section-head--center{ margin-left:auto; margin-right:auto; text-align:center; }

.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  font-family:var(--sans); font-weight:700; font-size:.95rem;
  padding:15px 28px; border-radius:100px; border:1.5px solid transparent;
  cursor:pointer; transition:all .22s cubic-bezier(.4,0,.2,1); white-space:nowrap;
}
.btn svg{ width:16px; height:16px; transition:transform .22s ease; }
.btn:hover svg{ transform:translateX(3px); }

.btn--primary{ background:var(--brand); color:#fff; box-shadow:0 6px 20px rgba(46,102,146,.28); }
.btn--primary:hover{ background:var(--brand-600); transform:translateY(-2px); box-shadow:0 10px 28px rgba(46,102,146,.34); }
/* on brand-navy backgrounds */
.btn--onnavy{ background:#fff; color:var(--brand); box-shadow:0 6px 22px rgba(46,102,146,.34); }
.btn--onnavy:hover{ background:var(--sky-wash); transform:translateY(-2px); }
.btn--ghost{ border-color:rgba(255,255,255,.42); color:#fff; }
.btn--ghost:hover{ border-color:#fff; background:rgba(255,255,255,.13); }
.btn--outline{ border-color:var(--line); color:var(--brand); background:#fff; }
.btn--outline:hover{ border-color:var(--brand); transform:translateY(-2px); }
.btn--sm{ padding:11px 20px; font-size:.87rem; }

/* ============================================================
   TOP SECTION — utility bar + header + hero sit on one
   continuous brand-navy gradient that lightens as you scroll.
   ============================================================ */
.top{
  position:relative;
  background:linear-gradient(168deg, var(--g1) 0%, var(--g2) 58%, var(--g3) 100%);
  transition:background .12s linear;
}
/* subtle grid texture */
.top::before{
  content:''; position:absolute; inset:0; pointer-events:none; opacity:.55;
  background-image:
    linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size:64px 64px;
  mask-image:radial-gradient(1000px 640px at 55% 34%, #000, transparent 76%);
  -webkit-mask-image:radial-gradient(1000px 640px at 55% 34%, #000, transparent 76%);
}
/* soft glow from the logo sky blue */
.top::after{
  content:''; position:absolute; pointer-events:none;
  width:900px; height:900px; right:-240px; top:-320px; border-radius:50%;
  background:radial-gradient(circle, rgba(134,196,210,.28), transparent 62%);
}
/* fade the bottom edge into the page so the gradient resolves cleanly */
.top-fade{
  position:absolute; left:0; right:0; bottom:0; height:170px; pointer-events:none;
  background:linear-gradient(180deg, rgba(233,244,248,0), var(--sky-wash));
}

/* ---------- Utility bar ---------- */
.utility{
  position:relative; z-index:3;
  border-bottom:1px solid rgba(255,255,255,.16);
  color:rgba(255,255,255,.8); font-size:.82rem;
}
.utility .wrap{ display:flex; align-items:center; justify-content:space-between; gap:20px; min-height:46px; }
.utility a{ transition:color .18s; }
.utility a:hover{ color:var(--sky-100); }
.utility-left{ display:flex; align-items:center; gap:24px; flex-wrap:wrap; }
.utility-item{ display:inline-flex; align-items:center; gap:8px; }
.utility-item svg{ width:14px; height:14px; opacity:.72; }
.utility-right{ display:flex; align-items:center; gap:22px; }
.utility-links{ display:flex; gap:20px; }
.utility-social{ display:flex; gap:12px; padding-left:22px; border-left:1px solid rgba(255,255,255,.2); }
.utility-social svg{ width:15px; height:15px; }

/* ---------- Header ---------- */
.header{
  position:sticky; top:0; z-index:900;
  border-bottom:1px solid rgba(255,255,255,.16);
  transition:background .3s ease, box-shadow .3s ease, border-color .3s ease, backdrop-filter .3s ease;
}
.header .wrap{ display:flex; align-items:center; gap:36px; min-height:84px; }

.brand{ display:flex; align-items:center; flex-shrink:0; position:relative; }
.brand img{ height:52px; width:auto; transition:opacity .3s ease; }
.brand .logo-color{ position:absolute; left:0; top:50%; transform:translateY(-50%); opacity:0; }
.brand .logo-white{ opacity:1; }

.nav{ display:flex; align-items:center; gap:4px; margin-left:auto; }
.nav-item{ position:relative; }
.nav-link{
  display:inline-flex; align-items:center; gap:6px;
  font-family:var(--sans); font-weight:600; font-size:.94rem; color:#fff;
  padding:10px 15px; border-radius:9px; transition:all .18s;
}
.nav-link:hover{ background:rgba(255,255,255,.15); }
.nav-link .caret{ width:11px; height:11px; opacity:.65; transition:transform .2s; }
.nav-item:hover .caret{ transform:rotate(180deg); }

.dropdown{
  position:absolute; top:calc(100% + 12px); left:50%; transform:translateX(-50%) translateY(-8px);
  min-width:330px; background:#fff; border:1px solid var(--line);
  border-radius:var(--r-lg); box-shadow:var(--sh-lg); padding:10px;
  opacity:0; visibility:hidden; transition:all .2s cubic-bezier(.4,0,.2,1);
}
.nav-item:hover .dropdown{ opacity:1; visibility:visible; transform:translateX(-50%) translateY(0); }
.dropdown::before{ content:''; position:absolute; top:-14px; left:0; right:0; height:14px; }
.dd-link{
  display:block; padding:11px 14px; border-radius:10px;
  font-family:var(--sans); font-weight:600; font-size:.92rem; color:var(--brand); transition:all .16s;
}
.dd-link span{ display:block; font-family:var(--body); font-weight:400; font-size:.8rem; color:var(--slate-light); margin-top:2px; line-height:1.4; }
.dd-link:hover{ background:var(--sky-wash); }
.dd-link:hover span{ color:var(--slate); }

.header-cta{ display:flex; align-items:center; gap:12px; flex-shrink:0; }
.header .btn--outline{ background:transparent; border-color:rgba(255,255,255,.42); color:#fff; }
.header .btn--outline:hover{ background:rgba(255,255,255,.13); border-color:#fff; }
.header .btn--primary{ background:#fff; color:var(--brand); box-shadow:0 6px 20px rgba(46,102,146,.3); }
.header .btn--primary:hover{ background:var(--sky-wash); }

/* --- stuck state: solid white header, colour logo --- */
.header.is-stuck{
  background:rgba(255,255,255,.94);
  backdrop-filter:saturate(180%) blur(16px);
  -webkit-backdrop-filter:saturate(180%) blur(16px);
  border-bottom-color:var(--line);
  box-shadow:0 4px 24px rgba(46,102,146,.10);
}
.header.is-stuck .brand .logo-white{ opacity:0; }
.header.is-stuck .brand .logo-color{ opacity:1; }
.header.is-stuck .nav-link{ color:var(--brand); }
.header.is-stuck .nav-link:hover{ background:var(--brand-wash); }
.header.is-stuck .btn--outline{ border-color:var(--line); color:var(--brand); background:#fff; }
.header.is-stuck .btn--outline:hover{ border-color:var(--brand); }
.header.is-stuck .btn--primary{ background:var(--brand); color:#fff; }
.header.is-stuck .btn--primary:hover{ background:var(--brand-600); }
.header.is-stuck .burger{ border-color:var(--line); background:#fff; }
.header.is-stuck .burger span,
.header.is-stuck .burger span::before,
.header.is-stuck .burger span::after{ background:var(--brand); }

.burger{
  display:none; width:44px; height:44px; border:1px solid rgba(255,255,255,.42);
  border-radius:11px; background:rgba(255,255,255,.12); cursor:pointer; padding:0;
  place-items:center; margin-left:auto; transition:all .25s;
}
.burger span{ display:block; width:18px; height:2px; background:#fff; border-radius:2px; position:relative; transition:.2s; }
.burger span::before,.burger span::after{ content:''; position:absolute; left:0; width:18px; height:2px; background:#fff; border-radius:2px; transition:.2s; }
.burger span::before{ top:-6px; } .burger span::after{ top:6px; }
.burger.is-open span{ background:transparent !important; }
.burger.is-open span::before{ top:0; transform:rotate(45deg); }
.burger.is-open span::after{ top:0; transform:rotate(-45deg); }

.mobile-nav{ display:none; border-top:1px solid var(--line); background:#fff; padding:14px 0 26px; }
.mobile-nav.is-open{ display:block; }
.mobile-nav details{ border-bottom:1px solid var(--line); }
.mobile-nav summary{
  list-style:none; cursor:pointer; padding:15px 2px;
  font-family:var(--sans); font-weight:700; color:var(--brand);
  display:flex; justify-content:space-between; align-items:center;
}
.mobile-nav summary::-webkit-details-marker{ display:none; }
.mobile-nav summary::after{ content:'+'; font-size:1.3rem; color:var(--brand-400); font-weight:600; }
.mobile-nav details[open] summary::after{ content:'\2013'; }
.mobile-nav .m-sub{ padding:0 0 14px 2px; display:flex; flex-direction:column; gap:2px; }
.mobile-nav .m-sub a{ padding:9px 12px; border-radius:8px; font-size:.92rem; color:var(--slate); }
.mobile-nav .m-sub a:hover{ background:var(--sky-wash); color:var(--brand); }
.mobile-nav .m-actions{ display:flex; flex-direction:column; gap:10px; margin-top:22px; }

/* ---------- Hero ---------- */
.hero{ position:relative; z-index:2; padding:92px 0 168px; color:#fff; }
.hero-grid{ display:grid; grid-template-columns:1.06fr .94fr; gap:70px; align-items:center; }
.hero h1{ color:#fff; margin-bottom:24px; }
.hero h1 .accent{ color:var(--sky-100); }
.hero-sub{ font-size:1.19rem; color:rgba(255,255,255,.84); max-width:54ch; margin-bottom:34px; }
.hero-actions{ display:flex; gap:14px; flex-wrap:wrap; margin-bottom:40px; }

.hero-proof{ display:flex; gap:12px; flex-wrap:wrap; }
.chip{
  display:inline-flex; align-items:center; gap:8px;
  padding:9px 16px 9px 12px; border-radius:100px;
  background:rgba(255,255,255,.12); border:1px solid rgba(255,255,255,.26);
  font-family:var(--sans); font-weight:600; font-size:.82rem; color:#fff; transition:all .2s;
}
.chip:hover{ background:rgba(255,255,255,.2); border-color:rgba(255,255,255,.5); }
.chip svg{ width:15px; height:15px; color:var(--sky-100); flex-shrink:0; }

/* hero panel */
.hero-visual{ position:relative; }
.panel{
  background:rgba(255,255,255,.13);
  border:1px solid rgba(255,255,255,.28);
  border-radius:var(--r-xl); padding:26px;
  backdrop-filter:blur(20px); -webkit-backdrop-filter:blur(20px);
  box-shadow:0 30px 70px rgba(46,102,146,.32);
}
.panel-head{ display:flex; align-items:center; justify-content:space-between; margin-bottom:22px; }
.panel-title{ font-family:var(--sans); font-weight:700; font-size:.95rem; color:#fff; }
.panel-badge{
  font-family:var(--sans); font-size:.7rem; font-weight:700; letter-spacing:.06em; text-transform:uppercase;
  padding:5px 11px; border-radius:100px; background:rgba(255,255,255,.22); color:#fff;
}
.panel-rows{ display:flex; flex-direction:column; gap:10px; }
.prow{
  display:flex; align-items:center; justify-content:space-between; gap:14px;
  padding:14px 16px; border-radius:var(--r);
  background:rgba(255,255,255,.11); border:1px solid rgba(255,255,255,.18);
}
.prow-label{ font-size:.88rem; color:rgba(255,255,255,.92); font-family:var(--sans); font-weight:600; }
.prow-label small{ display:block; font-family:var(--body); font-weight:400; font-size:.75rem; color:rgba(255,255,255,.62); margin-top:1px; }
.prow-val{ font-family:var(--sans); font-weight:800; font-size:1.02rem; color:#fff; white-space:nowrap; }
.prow-val.down{ color:var(--sky-100); }
.prow-val.up{ color:#FFD9C7; }

.bar-track{ height:6px; border-radius:100px; background:rgba(255,255,255,.2); overflow:hidden; margin-top:22px; }
.bar-fill{ height:100%; border-radius:100px; background:linear-gradient(90deg,var(--sky),#fff); width:0; transition:width 1.6s cubic-bezier(.22,1,.36,1); }
.bar-legend{ display:flex; justify-content:space-between; margin-top:10px; font-size:.75rem; color:rgba(255,255,255,.7); }

.float-card{
  position:absolute; left:-34px; bottom:-30px;
  background:#fff; border-radius:var(--r-lg); padding:16px 20px;
  box-shadow:var(--sh-lg); display:flex; align-items:center; gap:14px;
  animation:bob 5s ease-in-out infinite;
}
@keyframes bob{ 0%,100%{ transform:translateY(0);} 50%{ transform:translateY(-9px);} }
.float-icon{
  width:42px; height:42px; border-radius:12px; flex-shrink:0;
  background:var(--sky-wash); display:grid; place-items:center; color:var(--brand);
}
.float-icon svg{ width:21px; height:21px; }
.float-card strong{ display:block; font-family:var(--sans); color:var(--brand); font-size:.95rem; }
.float-card span{ font-size:.79rem; color:var(--slate-light); }

/* ============================================================
   CREDENTIAL STRIP — light, catches the gradient's landing
   ============================================================ */
.credbar{ background:var(--sky-wash); padding:28px 0; border-bottom:1px solid var(--line-soft); }
.credbar .wrap{ display:flex; align-items:center; justify-content:center; gap:14px 40px; flex-wrap:wrap; }
.credbar-label{
  font-family:var(--sans); font-size:.72rem; font-weight:700; letter-spacing:.14em;
  text-transform:uppercase; color:var(--slate-light);
}
.cred{
  display:inline-flex; align-items:center; gap:9px;
  font-family:var(--sans); font-weight:600; font-size:.88rem; color:var(--brand); transition:color .18s;
}
.cred:hover{ color:var(--brand-500); }
.cred svg{ width:17px; height:17px; color:var(--brand-400); }

/* ============================================================
   SOLUTIONS
   ============================================================ */
.solutions{ background:var(--paper); }
.sol-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }
.sol-card{
  background:#fff; border:1px solid var(--line); border-radius:var(--r-xl);
  padding:34px 30px 30px; display:flex; flex-direction:column;
  transition:transform .28s cubic-bezier(.4,0,.2,1), box-shadow .28s, border-color .28s;
}
.sol-card:hover{ transform:translateY(-6px); box-shadow:var(--sh-lg); border-color:var(--sky-200); }
.sol-icon{
  width:54px; height:54px; border-radius:16px; display:grid; place-items:center;
  background:linear-gradient(140deg,var(--brand),var(--brand-500)); color:#fff; margin-bottom:22px;
}
.sol-card:nth-child(2) .sol-icon{ background:linear-gradient(140deg,var(--brand-500),var(--sky)); }
.sol-card:nth-child(3) .sol-icon{ background:linear-gradient(140deg,var(--sky),var(--brand-400)); }
.sol-icon svg{ width:26px; height:26px; }
.sol-card h3{ margin-bottom:8px; }
.sol-card > p{ font-size:.93rem; color:var(--slate); margin-bottom:22px; }
.sol-list{ list-style:none; margin:0 0 24px; padding:0; display:flex; flex-direction:column; gap:1px; flex:1; }
.sol-list li a, .sol-list li > span{
  display:flex; align-items:flex-start; gap:10px; padding:9px 10px; margin:0 -10px;
  border-radius:9px; font-size:.9rem; transition:all .16s;
}
.sol-list li a{ color:var(--brand); font-weight:500; }
.sol-list li a:hover{ background:var(--sky-wash); }
.sol-list li > span{ color:var(--grey); }
.sol-list .tick{ width:16px; height:16px; flex-shrink:0; margin-top:3px; color:var(--brand-400); }
.sol-foot{
  display:inline-flex; align-items:center; gap:8px; padding-top:20px; border-top:1px solid var(--line);
  font-family:var(--sans); font-weight:700; font-size:.9rem; color:var(--brand-500);
}
.sol-foot svg{ width:15px; height:15px; transition:transform .2s; }
.sol-foot:hover svg{ transform:translateX(4px); }

/* ============================================================
   APPROACH
   ============================================================ */
.approach{ background:#fff; }
.approach-grid{ display:grid; grid-template-columns:.85fr 1.15fr; gap:76px; align-items:start; }
.approach-sticky{ position:sticky; top:120px; }
.steps{ display:flex; flex-direction:column; }
.step{ display:grid; grid-template-columns:auto 1fr; gap:24px; padding:28px 0; border-bottom:1px solid var(--line); }
.step:last-child{ border-bottom:0; }
.step-num{
  width:46px; height:46px; border-radius:13px; display:grid; place-items:center;
  font-family:var(--sans); font-weight:800; font-size:.95rem;
  background:var(--brand-wash); color:var(--brand); transition:all .25s;
}
.step:hover .step-num{ background:var(--brand); color:#fff; transform:scale(1.06); }
.step h3{ margin-bottom:6px; }
.step p{ font-size:.95rem; margin:0; }

/* ============================================================
   COMPARISON — brand navy panel
   ============================================================ */
.compare{
  background:linear-gradient(158deg, var(--brand) 0%, var(--brand-500) 62%, var(--brand-400) 100%);
  color:#fff; position:relative; overflow:hidden;
}
.compare::before{
  content:''; position:absolute; width:680px; height:680px; border-radius:50%;
  background:radial-gradient(circle, rgba(134,196,210,.3), transparent 64%);
  top:-280px; right:-200px;
}
.compare .wrap{ position:relative; z-index:2; }
.compare h2{ color:#fff; }
.compare .lede{ color:rgba(255,255,255,.82); }
.ctable{
  border:1px solid rgba(255,255,255,.26); border-radius:var(--r-xl); overflow:hidden;
  background:rgba(255,255,255,.1); backdrop-filter:blur(16px); -webkit-backdrop-filter:blur(16px);
}
.crow{
  display:grid; grid-template-columns:1.7fr .8fr .8fr; align-items:center;
  gap:18px; padding:19px 30px; border-bottom:1px solid rgba(255,255,255,.16);
}
.crow:last-child{ border-bottom:0; }
.crow--head{
  background:rgba(255,255,255,.12);
  font-family:var(--sans); font-weight:700; font-size:.78rem;
  letter-spacing:.1em; text-transform:uppercase; color:rgba(255,255,255,.75);
}
.crow--head .col-us{ color:#fff; }
.crow-label{ font-family:var(--sans); font-weight:600; font-size:.96rem; color:#fff; }
.crow-label small{ display:block; font-family:var(--body); font-weight:400; font-size:.8rem; color:rgba(255,255,255,.66); margin-top:2px; }
.cval{ text-align:center; font-size:.88rem; color:rgba(255,255,255,.62); font-family:var(--sans); font-weight:600; }
.cval svg{ width:22px; height:22px; }
.cval.yes{ color:#fff; }
.cval.no{ color:rgba(255,255,255,.4); }

/* ============================================================
   QUOTE
   ============================================================ */
.quoteband{ background:var(--sky-wash); }
.quoteband .wrap{ max-width:960px; text-align:center; }
.quotemark{ font-family:var(--sans); font-size:5rem; line-height:.6; color:var(--sky); margin-bottom:18px; }
.quoteband blockquote{
  margin:0; font-family:var(--sans); font-weight:700;
  font-size:clamp(1.35rem,2.7vw,2.05rem); line-height:1.34;
  letter-spacing:-.022em; color:var(--brand);
}
.quote-attr{ margin-top:26px; font-family:var(--sans); font-weight:600; font-size:.9rem; color:var(--grey); }

/* ============================================================
   TOOLS
   ============================================================ */
.tools{ background:#fff; }
.tools-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:24px; }
.tool-card{
  display:flex; align-items:center; gap:24px;
  border:1px solid var(--line); border-radius:var(--r-xl); padding:30px 32px;
  background:linear-gradient(120deg,var(--paper),#fff);
  transition:all .26s cubic-bezier(.4,0,.2,1);
}
.tool-card:hover{ border-color:var(--sky); box-shadow:var(--sh); transform:translateY(-4px); }
.tool-icon{
  width:58px; height:58px; border-radius:17px; flex-shrink:0; display:grid; place-items:center;
  background:var(--sky-wash); color:var(--brand);
}
.tool-icon svg{ width:27px; height:27px; }
.tool-card h3{ font-size:1.08rem; margin-bottom:4px; }
.tool-card p{ font-size:.89rem; margin:0; }
.tool-arrow{ margin-left:auto; color:var(--brand-400); flex-shrink:0; transition:transform .22s; }
.tool-card:hover .tool-arrow{ transform:translateX(5px); }
.tool-arrow svg{ width:20px; height:20px; }

/* ============================================================
   INSIGHTS
   ============================================================ */
.insights{ background:var(--paper); }
.ins-head{ display:flex; align-items:flex-end; justify-content:space-between; gap:30px; margin-bottom:48px; flex-wrap:wrap; }
.ins-head .section-head{ margin-bottom:0; }
.ins-grid{ display:grid; grid-template-columns:1.25fr 1fr 1fr; gap:26px; }
.post{
  background:#fff; border:1px solid var(--line); border-radius:var(--r-xl);
  overflow:hidden; display:flex; flex-direction:column;
  transition:transform .28s cubic-bezier(.4,0,.2,1), box-shadow .28s;
}
.post:hover{ transform:translateY(-6px); box-shadow:var(--sh-lg); }
.post-thumb{ aspect-ratio:16/10; overflow:hidden; background:var(--brand-wash); }
.post-thumb img{ width:100%; height:100%; object-fit:cover; transition:transform .5s cubic-bezier(.22,1,.36,1); }
.post:hover .post-thumb img{ transform:scale(1.05); }
.post-body{ padding:24px 26px 28px; display:flex; flex-direction:column; flex:1; }
.post-date{
  font-family:var(--sans); font-size:.72rem; font-weight:700; letter-spacing:.1em;
  text-transform:uppercase; color:var(--brand-400); margin-bottom:11px;
}
.post h3{ font-size:1.08rem; line-height:1.32; margin-bottom:10px; }
.post p{ font-size:.89rem; color:var(--slate); margin:0; }
.post--lead .post-thumb{ aspect-ratio:16/9; }
.post--lead h3{ font-size:1.42rem; }

.post-list{ display:flex; flex-direction:column; gap:14px; }
.post-mini{
  display:flex; gap:16px; align-items:center; background:#fff;
  border:1px solid var(--line); border-radius:var(--r-lg); padding:14px; flex:1; transition:all .24s;
}
.post-mini:hover{ border-color:var(--sky); transform:translateX(4px); }
.post-mini-thumb{ width:78px; height:66px; border-radius:11px; overflow:hidden; flex-shrink:0; background:var(--brand-wash); }
.post-mini-thumb img{ width:100%; height:100%; object-fit:cover; }
.post-mini h3{ font-size:.95rem; line-height:1.3; margin-bottom:4px; }
.post-mini .post-date{ margin-bottom:6px; font-size:.68rem; }

/* ============================================================
   CTA / FORM
   ============================================================ */
.cta{ background:#fff; }
.cta-shell{
  display:grid; grid-template-columns:.92fr 1.08fr;
  border-radius:var(--r-xl); overflow:hidden; box-shadow:var(--sh-lg); border:1px solid var(--line);
}
.cta-left{
  background:linear-gradient(158deg, var(--brand) 0%, var(--brand-500) 68%, var(--brand-400) 100%);
  color:#fff; padding:56px 48px; position:relative; overflow:hidden;
}
.cta-left::after{
  content:''; position:absolute; width:480px; height:480px; border-radius:50%; left:-180px; bottom:-220px;
  background:radial-gradient(circle, rgba(134,196,210,.34), transparent 62%);
}
.cta-left > *{ position:relative; z-index:2; }
.cta-left h2{ color:#fff; font-size:clamp(1.7rem,2.7vw,2.3rem); }
.cta-left p{ color:rgba(255,255,255,.85); font-size:1rem; }
.cta-contact{ margin-top:36px; display:flex; flex-direction:column; gap:16px; }
.cta-contact a{ display:flex; align-items:center; gap:14px; font-family:var(--sans); font-weight:600; font-size:1rem; color:#fff; transition:color .18s; }
.cta-contact a:hover{ color:var(--sky-100); }
.cta-contact .ci{
  width:42px; height:42px; border-radius:12px; display:grid; place-items:center; flex-shrink:0;
  background:rgba(255,255,255,.16); border:1px solid rgba(255,255,255,.28); color:#fff;
}
.cta-contact .ci svg{ width:18px; height:18px; }
.cta-contact small{ display:block; font-family:var(--body); font-weight:400; font-size:.78rem; color:rgba(255,255,255,.65); }
.cta-assure{ margin-top:38px; padding-top:26px; border-top:1px solid rgba(255,255,255,.24); display:flex; flex-direction:column; gap:12px; }
.cta-assure div{ display:flex; align-items:center; gap:10px; font-size:.87rem; color:rgba(255,255,255,.8); }
.cta-assure svg{ width:16px; height:16px; color:var(--sky-100); flex-shrink:0; }

.cta-right{ background:#fff; padding:52px 48px; }
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.field{ display:flex; flex-direction:column; gap:7px; }
.field--full{ grid-column:1 / -1; }
.field label{ font-family:var(--sans); font-weight:600; font-size:.82rem; color:var(--brand); }
.field label .req{ color:var(--brand-400); }
.field input, .field select{
  font-family:var(--body); font-size:.95rem; color:var(--brand);
  padding:13px 15px; border:1.5px solid var(--line); border-radius:11px;
  background:var(--paper); transition:all .18s; width:100%;
}
.field input::placeholder{ color:var(--slate-light); }
.field input:focus, .field select:focus{
  outline:none; border-color:var(--brand-400); background:#fff; box-shadow:0 0 0 4px rgba(134,196,210,.35);
}
.checks{ grid-column:1/-1; margin-top:4px; }
.checks-label{ font-family:var(--sans); font-weight:600; font-size:.82rem; color:var(--brand); margin-bottom:11px; display:block; }
.check-row{ display:flex; gap:10px; flex-wrap:wrap; }
.check{
  display:inline-flex; align-items:center; gap:8px; cursor:pointer;
  padding:9px 15px; border:1.5px solid var(--line); border-radius:100px;
  font-family:var(--sans); font-weight:600; font-size:.85rem; color:var(--slate);
  transition:all .18s; background:#fff;
}
.check:hover{ border-color:var(--sky); color:var(--brand); }
.check input{ accent-color:var(--brand); width:15px; height:15px; margin:0; cursor:pointer; }
.check:has(input:checked){ border-color:var(--brand-400); background:var(--sky-wash); color:var(--brand); }
.form-submit{ grid-column:1/-1; margin-top:10px; display:flex; align-items:center; gap:18px; flex-wrap:wrap; }
.form-note{ font-size:.79rem; color:var(--slate-light); }

/* ============================================================
   FOOTER — brand navy
   ============================================================ */
.footer{
  background:linear-gradient(168deg, var(--brand) 0%, var(--brand-600) 100%);
  color:rgba(255,255,255,.75); padding:76px 0 0; font-size:.92rem;
}
.footer h4{ color:#fff; font-size:.76rem; font-weight:700; letter-spacing:.13em; text-transform:uppercase; margin-bottom:20px; }
.foot-grid{ display:grid; grid-template-columns:1.5fr 1fr 1fr 1.3fr; gap:52px; padding-bottom:56px; }
.foot-brand img{ height:56px; width:auto; margin-bottom:22px; }
.foot-brand p{ font-size:.91rem; line-height:1.7; max-width:36ch; }
.foot-social{ display:flex; gap:10px; margin-top:24px; }
.foot-social a{
  width:38px; height:38px; border-radius:11px; display:grid; place-items:center;
  background:rgba(255,255,255,.14); border:1px solid rgba(255,255,255,.24);
  color:#fff; transition:all .2s;
}
.foot-social a:hover{ background:#fff; color:var(--brand); transform:translateY(-2px); }
.foot-social svg{ width:16px; height:16px; }
.foot-links{ display:flex; flex-direction:column; gap:11px; }
.foot-links a{ transition:color .18s; }
.foot-links a:hover{ color:var(--sky-100); }

.hours{ width:100%; border-collapse:collapse; font-size:.88rem; }
.hours td{ padding:7px 0; border-bottom:1px solid rgba(255,255,255,.16); }
.hours td:last-child{ text-align:right; color:#fff; font-family:var(--sans); font-weight:600; white-space:nowrap; }
.hours tr:last-child td{ border-bottom:0; }
.hours .closed{ color:rgba(255,255,255,.55); }

.foot-bar{
  border-top:1px solid rgba(255,255,255,.2); padding:26px 0 34px;
  display:flex; justify-content:space-between; align-items:center; gap:20px; flex-wrap:wrap;
  font-size:.84rem; color:rgba(255,255,255,.65);
}
.foot-bar-links{ display:flex; gap:24px; }
.foot-bar a:hover{ color:var(--sky-100); }

/* ============================================================
   ANIMATION
   ============================================================ */
.reveal{ opacity:0; transform:translateY(22px); transition:opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1); }
.reveal.in{ opacity:1; transform:none; }
@media (prefers-reduced-motion:reduce){
  *{ animation:none !important; transition-duration:.01ms !important; }
  .reveal{ opacity:1; transform:none; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width:1080px){
  .hero-grid{ grid-template-columns:1fr; gap:56px; }
  .hero-visual{ max-width:520px; }
  .approach-grid{ grid-template-columns:1fr; gap:44px; }
  .approach-sticky{ position:static; }
  .ins-grid{ grid-template-columns:1fr 1fr; }
  .post--lead{ grid-column:1/-1; }
  .foot-grid{ grid-template-columns:1fr 1fr; gap:44px; }
}
@media (max-width:940px){
  .nav, .header-cta{ display:none; }
  .burger{ display:grid; }
  .sol-grid{ grid-template-columns:1fr; }
  .cta-shell{ grid-template-columns:1fr; }
  .crow{ grid-template-columns:1.4fr .7fr .7fr; padding:16px 20px; }
}
@media (max-width:720px){
  body{ font-size:16px; }
  .section{ padding:72px 0; }
  .section--tight{ padding:56px 0; }
  .wrap{ padding:0 20px; }
  .utility .wrap{ flex-direction:column; align-items:flex-start; padding-top:10px; padding-bottom:10px; gap:8px; }
  .utility-links{ display:none; }
  .utility-social{ border-left:0; padding-left:0; }
  .header .wrap{ min-height:72px; }
  .brand img{ height:42px; }
  .hero{ padding:56px 0 150px; }
  .hero-actions .btn{ width:100%; }
  .float-card{ position:static; margin-top:18px; animation:none; }
  .tools-grid{ grid-template-columns:1fr; }
  .ins-grid{ grid-template-columns:1fr; }
  .form-grid{ grid-template-columns:1fr; }
  .cta-left, .cta-right{ padding:38px 26px; }
  .foot-grid{ grid-template-columns:1fr; gap:38px; }
  .crow{ grid-template-columns:1fr .6fr .6fr; gap:10px; padding:14px 16px; }
  .crow-label{ font-size:.88rem; }
  .step{ grid-template-columns:1fr; gap:14px; }
}


/* ==========================================================================
   2. WORDPRESS INTEGRATION
   Everything below is additive. Nothing above this line was modified.
   ========================================================================== */

/* --- admin bar --- */
body.admin-bar .header{ top:32px; }
@media screen and (max-width:782px){ body.admin-bar .header{ top:46px; } }

/* --- nav menu generated by wp_nav_menu() --- */
.nav ul{ list-style:none; margin:0; padding:0; display:flex; align-items:center; gap:4px; }
.nav li{ position:relative; }
.nav > ul > li > a{
  display:inline-flex; align-items:center; gap:6px;
  font-family:var(--sans); font-weight:600; font-size:.94rem; color:#fff;
  padding:10px 15px; border-radius:9px; transition:all .18s;
}
.nav > ul > li > a:hover,
.nav > ul > li.current-menu-item > a{ background:rgba(255,255,255,.15); }
.nav > ul > li.menu-item-has-children > a::after{
  content:''; width:9px; height:9px; margin-left:2px; opacity:.65;
  background:currentColor; transition:transform .2s;
  -webkit-mask:var(--caret) center/contain no-repeat; mask:var(--caret) center/contain no-repeat;
}
.nav > ul > li.menu-item-has-children:hover > a::after{ transform:rotate(180deg); }
:root{ --caret:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); }

.nav .sub-menu{
  position:absolute; top:calc(100% + 12px); left:50%;
  transform:translateX(-50%) translateY(-8px);
  min-width:330px; background:#fff; border:1px solid var(--line);
  border-radius:var(--r-lg); box-shadow:var(--sh-lg); padding:10px;
  opacity:0; visibility:hidden; transition:all .2s cubic-bezier(.4,0,.2,1);
  display:block; z-index:50;
}
.nav li:hover > .sub-menu{ opacity:1; visibility:visible; transform:translateX(-50%) translateY(0); }
.nav .sub-menu::before{ content:''; position:absolute; top:-14px; left:0; right:0; height:14px; }
.nav .sub-menu a{
  display:block; padding:11px 14px; border-radius:10px;
  font-family:var(--sans); font-weight:600; font-size:.92rem; color:var(--brand);
  transition:all .16s;
}
.nav .sub-menu a:hover{ background:var(--sky-wash); }
.nav .sub-menu .menu-desc{
  display:block; font-family:var(--body); font-weight:400; font-size:.8rem;
  color:var(--slate-light); margin-top:2px; line-height:1.4;
}
.header.is-stuck .nav > ul > li > a{ color:var(--brand); }
.header.is-stuck .nav > ul > li > a:hover{ background:var(--brand-wash); }

/* --- inner-page top band (no hero) --- */
.top.is-inner{ padding-bottom:0; }
.top.is-inner .top-fade{ display:none; }
.page-banner{ position:relative; z-index:2; padding:62px 0 76px; color:#fff; }
.page-banner h1{ color:#fff; font-size:clamp(2rem,4vw,3rem); margin:0; max-width:22ch; }
.page-banner .lede{ color:rgba(255,255,255,.84); margin-top:16px; max-width:60ch; }
.breadcrumbs{
  font-family:var(--sans); font-size:.82rem; font-weight:600;
  color:rgba(255,255,255,.72); margin-bottom:16px;
}
.breadcrumbs a:hover{ color:var(--sky-100); }
.breadcrumbs span{ opacity:.5; margin:0 8px; }

/* --- entry content typography --- */
.entry{ background:#fff; }
.entry-inner{ max-width:820px; margin:0 auto; }
.entry-inner.is-wide{ max-width:var(--maxw); }
.entry-content{ font-size:1.05rem; line-height:1.75; color:var(--slate); }
.entry-content > *:first-child{ margin-top:0; }
.entry-content h2{ font-size:1.9rem; margin:2em 0 .6em; }
.entry-content h3{ font-size:1.35rem; margin:1.8em 0 .5em; }
.entry-content h4{ font-size:1.1rem; margin:1.6em 0 .5em; color:var(--brand); font-family:var(--sans); font-weight:700; }
.entry-content a{ color:var(--brand-500); text-decoration:underline; text-underline-offset:2px; }
.entry-content a:hover{ color:var(--brand); }
.entry-content ul,.entry-content ol{ padding-left:1.3em; margin:1.1em 0; }
.entry-content li{ margin-bottom:.5em; }
.entry-content img{ height:auto; border-radius:var(--r); }
.entry-content figure{ margin:2em 0; }
.entry-content figcaption{ font-size:.85rem; color:var(--slate-light); margin-top:.6em; text-align:center; }
.entry-content blockquote{
  margin:2em 0; padding:22px 28px; border-left:4px solid var(--sky);
  background:var(--sky-wash); border-radius:0 var(--r) var(--r) 0;
  font-family:var(--sans); font-weight:600; color:var(--brand); font-size:1.1rem;
}
.entry-content blockquote p:last-child{ margin-bottom:0; }
.entry-content table{ width:100%; border-collapse:collapse; margin:1.8em 0; font-size:.95rem; }
.entry-content th,.entry-content td{ padding:12px 14px; border-bottom:1px solid var(--line); text-align:left; }
.entry-content th{ background:var(--brand-wash); font-family:var(--sans); font-weight:700; color:var(--brand); }
.entry-content hr{ border:0; border-top:1px solid var(--line); margin:2.5em 0; }
.entry-content code{
  background:var(--paper); padding:2px 6px; border-radius:5px;
  font-size:.9em; color:var(--brand);
}
.entry-content pre{
  background:var(--paper); border:1px solid var(--line); border-radius:var(--r);
  padding:18px; overflow-x:auto; font-size:.88rem;
}

/* --- Gutenberg alignment --- */
.entry-content .alignwide{ max-width:min(var(--maxw), 92vw); margin-left:50%; transform:translateX(-50%); }
.entry-content .alignfull{ max-width:100vw; margin-left:50%; transform:translateX(-50%); }
.entry-content .alignleft{ float:left; margin:.4em 1.6em 1em 0; }
.entry-content .alignright{ float:right; margin:.4em 0 1em 1.6em; }
.entry-content .aligncenter{ margin-left:auto; margin-right:auto; }
.wp-caption{ max-width:100%; }
.screen-reader-text{
  position:absolute!important; width:1px; height:1px; overflow:hidden;
  clip:rect(1px,1px,1px,1px); white-space:nowrap;
}
.skip-link:focus{
  position:fixed; top:12px; left:12px; z-index:99999; width:auto; height:auto;
  clip:auto; padding:12px 20px; background:#fff; color:var(--brand);
  border-radius:var(--r); box-shadow:var(--sh-lg); font-family:var(--sans); font-weight:700;
}

/* --- FULL-WIDTH / RAW HTML TEMPLATE ---
   Deliberately unopinionated. Pasted HTML controls its own layout.        */
.raw-canvas{ width:100%; }
.raw-canvas > .entry-content{ font-size:inherit; line-height:inherit; color:inherit; }

/* --- blog --- */
.post-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }
@media (max-width:1080px){ .post-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:720px){ .post-grid{ grid-template-columns:1fr; } }
.post-meta{ font-size:.88rem; color:var(--slate-light); margin-bottom:28px; }
.post-meta a{ color:var(--brand-500); }
.pagination{ display:flex; gap:8px; justify-content:center; margin-top:52px; flex-wrap:wrap; }
.pagination .page-numbers{
  display:grid; place-items:center; min-width:44px; height:44px; padding:0 14px;
  border:1px solid var(--line); border-radius:11px; background:#fff;
  font-family:var(--sans); font-weight:700; font-size:.9rem; color:var(--brand);
  transition:all .18s;
}
.pagination .page-numbers:hover{ border-color:var(--brand); }
.pagination .page-numbers.current{ background:var(--brand); color:#fff; border-color:var(--brand); }

/* ==========================================================================
   3. WAUGHAGENCY.INSURE — plugin additions
   Form skin ported from the Gravity Forms rules so the look is identical
   without the plugin dependency.
   ========================================================================== */

.wai-form{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.wai-field{ display:flex; flex-direction:column; gap:7px; grid-column:1/-1; }
.wai-field--half{ grid-column:span 1; }
.wai-field label{ font-family:var(--sans); font-weight:600; font-size:.82rem; color:var(--brand); margin:0; }
.wai-req{ color:var(--brand-400); }
.wai-form input[type=text],
.wai-form input[type=email],
.wai-form input[type=tel],
.wai-form select,
.wai-form textarea{
  font-family:var(--body); font-size:.95rem; color:var(--brand);
  padding:13px 15px; border:1.5px solid var(--line); border-radius:11px;
  background:var(--paper); transition:all .18s; width:100%;
}
.wai-form textarea{ min-height:118px; resize:vertical; }
.wai-form input:focus,.wai-form select:focus,.wai-form textarea:focus{
  outline:none; border-color:var(--brand-400); background:#fff;
  box-shadow:0 0 0 4px rgba(134,196,210,.35);
}
.wai-chips{ display:flex; gap:10px; flex-wrap:wrap; list-style:none; margin:0; padding:0; }
.wai-chips label{
  display:inline-flex; align-items:center; gap:8px; cursor:pointer;
  padding:9px 15px; border:1.5px solid var(--line); border-radius:100px;
  font-family:var(--sans); font-weight:600; font-size:.85rem; color:var(--slate);
  transition:all .18s; background:#fff; margin:0;
}
.wai-chips label:hover{ border-color:var(--sky); color:var(--brand); }
.wai-chips input[type=checkbox]{ accent-color:var(--brand); width:15px; height:15px; margin:0; cursor:pointer; }
.wai-chips input[type=checkbox]:checked + span{ color:var(--brand); }
.wai-foot{ grid-column:1/-1; margin-top:10px; display:flex; align-items:center; gap:16px; flex-wrap:wrap; }
.wai-submit{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  font-family:var(--sans); font-weight:700; font-size:.95rem;
  padding:15px 28px; border-radius:100px; border:1.5px solid transparent;
  background:var(--brand); color:#fff; cursor:pointer;
  box-shadow:0 6px 20px rgba(46,102,146,.28); transition:all .22s cubic-bezier(.4,0,.2,1);
}
.wai-submit:hover{ background:var(--brand-600); transform:translateY(-2px); }
.wai-submit[disabled]{ opacity:.6; cursor:default; transform:none; }
.wai-fineprint{ font-size:.8rem; color:var(--slate-light); line-height:1.5; }
.wai-error{ color:#B23A2E; font-size:.85rem; font-family:var(--sans); font-weight:600; }
.wai-confirm{
  padding:24px; border-radius:var(--r-lg); background:var(--sky-wash);
  border:1px solid var(--sky); color:var(--brand);
  font-family:var(--sans); font-weight:600;
}
.wai-hp{ position:absolute!important; width:1px; height:1px; overflow:hidden;
  clip:rect(1px,1px,1px,1px); clip-path:inset(50%); white-space:nowrap; margin:-1px; padding:0; border:0; }
@media (max-width:720px){ .wai-form{ grid-template-columns:1fr; } }

/* form on a navy panel (cta-shell right side) */
.cta-right .wai-field label{ color:var(--brand); }

/* --- inline contact band that appears on every page --- */
.wai-band{ background:var(--brand-wash); }
.wai-band .wai-band-grid{ display:grid; grid-template-columns:0.9fr 1.1fr; gap:52px; align-items:start; }
@media (max-width:900px){ .wai-band .wai-band-grid{ grid-template-columns:1fr; gap:34px; } }
.wai-card{ background:#fff; border:1px solid var(--line); border-radius:var(--r-xl); padding:32px; box-shadow:var(--sh); }
@media (max-width:720px){ .wai-card{ padding:24px; } }
.wai-contact-list{ list-style:none; margin:22px 0 0; padding:0; display:grid; gap:12px; }
.wai-contact-list a{ font-family:var(--sans); font-weight:700; color:var(--brand); }
.wai-contact-list a:hover{ color:var(--brand-500); }

/* --- "back to .com" strip --- */
.wai-origin{ background:var(--paper); border-top:1px solid var(--line); padding:26px 0; }
.wai-origin .wrap{ display:flex; gap:14px; align-items:center; justify-content:center; flex-wrap:wrap; text-align:center; }
.wai-origin p{ margin:0; font-size:.92rem; color:var(--slate); }
.wai-origin a{ font-family:var(--sans); font-weight:700; color:var(--brand-500); }
.wai-origin a:hover{ color:var(--brand); }

/* --- buttons inside .entry-content -------------------------------------
   .entry-content a{color:var(--brand-500);text-decoration:underline} is more
   specific than .btn, so without this a primary button renders with mid-blue
   underlined text on a navy pill. Restore each variant's own colour.        */
.entry-content a.btn{ text-decoration:none; }
.entry-content a.btn:hover{ text-decoration:none; }
.entry-content a.btn--primary{ color:#fff; }
.entry-content a.btn--onnavy{ color:var(--brand); }
.entry-content a.btn--ghost{ color:#fff; }
.entry-content a.btn--outline{ color:var(--brand); }

/* sol-list items carrying a leading <strong> read as a wall of text at
   default spacing */
.sol-list li + li{ margin-top:.6em; }

/* --- .top decorative glow ------------------------------------------------
   .top::after is a 900px circle offset right:-240px, which extends the
   document box by 240px at every viewport and causes horizontal rubber-band
   scrolling on mobile. .compare and .cta-left already clip their own glows
   with overflow:hidden; .top historically could not, because in the Divi
   build it was the wrapper full-bleed sections escaped through (rule 1).
   There is no Divi here and nothing escapes .top, so clipping is safe —
   and overflow-x:clip, unlike hidden, does not create a scroll container,
   so the sticky header inside it is unaffected.                            */
.top{ overflow-x:clip; }

.foot-address{ font-style:normal; font-size:.86rem; line-height:1.6; color:rgba(255,255,255,.66); margin-top:14px; }

/* ==========================================================================
   4. SELF-FUNDED SAVINGS ILLUSTRATOR
   Lifted verbatim from waughagency.com/self-funded/ so the tool behaves and
   looks identically on both sites. Do not "improve" it — the two are meant to
   match. --good is the only token this block adds.
   ========================================================================== */

:root{ --good:#2E8B7B; }

.calc-section{ background:linear-gradient(180deg,var(--sky-wash),var(--white)); padding:70px 0; border-top:1px solid var(--line-soft); border-bottom:1px solid var(--line-soft); }
.calc-section .wrap{ max-width:1020px; }
.calc-head{ text-align:center; max-width:680px; margin:0 auto 40px; }
.calc-head h2{ margin-bottom:12px; }
.calc-head p{ color:var(--slate); }
.calc{ background:#fff; border:1px solid var(--line); border-radius:var(--r-xl); box-shadow:var(--sh-lg); overflow:hidden; position:relative; }
.calc-grid{ display:grid; grid-template-columns:1fr 1.02fr; }
.calc-inputs{ padding:34px 34px 30px; border-right:1px solid var(--line); }
.calc-out{ padding:34px; background:linear-gradient(168deg,var(--g1),var(--g2) 70%,var(--g3)); color:#fff; position:relative; }

.calc .field{ margin-bottom:24px; }
.calc .field label{ display:block; font-family:var(--sans); font-weight:700; color:var(--brand); font-size:.95rem; margin-bottom:4px; }
.calc .field .hint{ font-size:.8rem; color:var(--slate-light); margin-bottom:12px; }
.money-in{ display:flex; align-items:center; border:1.6px solid var(--line); border-radius:var(--r); overflow:hidden; transition:border-color .18s; }
.money-in:focus-within{ border-color:var(--brand-400); }
.money-in span{ padding:0 4px 0 15px; font-family:var(--sans); font-weight:700; color:var(--slate); }
.money-in input{ border:0; outline:0; padding:13px 15px 13px 4px; font-family:var(--sans); font-weight:700; font-size:1.25rem; color:var(--brand); width:100%; background:transparent; }
.slider-val{ float:right; font-family:var(--sans); font-weight:800; color:var(--brand); font-size:1.15rem; }

.calc input[type=range]{ -webkit-appearance:none; appearance:none; width:100%; height:8px; border-radius:100px; background:var(--line); outline:none; margin:8px 0 6px; }
.calc input[type=range]::-webkit-slider-thumb{ -webkit-appearance:none; appearance:none; width:26px; height:26px; border-radius:50%; background:var(--brand); border:4px solid #fff; box-shadow:0 3px 10px rgba(46,102,146,.4); cursor:pointer; }
.calc input[type=range]::-moz-range-thumb{ width:26px; height:26px; border-radius:50%; background:var(--brand); border:4px solid #fff; box-shadow:0 3px 10px rgba(46,102,146,.4); cursor:pointer; }

.scale{ position:relative; height:20px; margin-top:2px; font-size:.72rem; color:var(--slate-light); font-family:var(--sans); }
.scale .exp-mark{ position:absolute; top:-2px; transform:translateX(-50%); color:var(--good); font-weight:700; white-space:nowrap; }
.scale .exp-mark::before{ content:''; position:absolute; top:-16px; left:50%; width:2px; height:12px; background:var(--good); }
.scale.ends{ display:flex; justify-content:space-between; }

.adv{ margin-top:6px; border-top:1px solid var(--line); padding-top:16px; }
.adv summary{ cursor:pointer; font-family:var(--sans); font-weight:700; color:var(--brand-500); font-size:.86rem; list-style:none; display:flex; align-items:center; gap:7px; }
.adv summary::-webkit-details-marker{ display:none; }
.adv summary::before{ content:'+'; font-size:1.1rem; line-height:1; color:var(--brand-400); }
.adv[open] summary::before{ content:'\2013'; }
.adv-body{ padding-top:16px; }

.seg-toggle{ display:inline-flex; background:var(--paper); border:1px solid var(--line); border-radius:100px; padding:3px; gap:2px; }
.seg-toggle button{ border:0; background:transparent; font-family:var(--sans); font-weight:700; font-size:.82rem; color:var(--slate); padding:7px 15px; border-radius:100px; cursor:pointer; transition:.16s; }
.seg-toggle button.on{ background:var(--brand); color:#fff; }
.mini-field{ margin-bottom:16px; }
.mini-field label{ font-size:.86rem; margin-bottom:6px; display:block; font-family:var(--sans); font-weight:700; color:var(--brand); }

.out-badge{ font-family:var(--sans); font-size:.68rem; font-weight:700; letter-spacing:.08em; text-transform:uppercase; padding:5px 11px; border-radius:100px; background:rgba(255,255,255,.2); color:#fff; display:inline-block; margin-bottom:16px; }
.big-save{ font-family:var(--sans); font-weight:800; font-size:clamp(2.4rem,6vw,3.4rem); line-height:1; letter-spacing:-.03em; color:#fff; margin:2px 0; }
.big-save.neg{ color:var(--sky-100); }
.save-sub{ color:rgba(255,255,255,.82); font-size:.92rem; margin-bottom:22px; }
.save-sub b{ color:#fff; }

.obar{ margin:18px 0 6px; }
.obar-lab{ display:flex; justify-content:space-between; font-family:var(--sans); font-weight:600; font-size:.82rem; color:rgba(255,255,255,.9); margin-bottom:6px; }
.obar-track{ height:34px; border-radius:10px; overflow:hidden; display:flex; background:rgba(255,255,255,.14); border:1px solid rgba(255,255,255,.2); }
.obar-track i{ height:100%; display:flex; align-items:center; justify-content:center; font-family:var(--sans); font-weight:700; font-size:.7rem; color:#fff; transition:width .4s cubic-bezier(.22,1,.36,1); overflow:hidden; white-space:nowrap; font-style:normal; }
.i-fixed{ background:rgba(255,255,255,.34); }
.i-claims{ background:var(--sky); color:var(--brand); }
.i-surplus{ background:rgba(255,255,255,.9); color:var(--brand); }
.i-fi{ background:rgba(255,255,255,.28); }

.orows{ margin-top:18px; border-top:1px solid rgba(255,255,255,.2); padding-top:14px; }
.orow{ display:flex; justify-content:space-between; align-items:baseline; padding:6px 0; font-size:.9rem; }
.orow span{ color:rgba(255,255,255,.82); font-family:var(--sans); font-weight:600; }
.orow b{ font-family:var(--sans); font-weight:800; color:#fff; font-size:1.02rem; }

.calc-foot{ padding:16px 34px; background:var(--paper); border-top:1px solid var(--line); font-size:.76rem; color:var(--slate-light); display:flex; align-items:center; gap:12px; flex-wrap:wrap; justify-content:space-between; }
.calc-foot .wm{ display:flex; align-items:center; gap:8px; font-family:var(--sans); font-weight:700; color:var(--slate); }
.calc-foot .wm img{ height:20px; width:auto; opacity:.8; }

@media (max-width:880px){
  .calc-grid{ grid-template-columns:1fr; }
  .calc-inputs{ border-right:0; border-bottom:1px solid var(--line); }
}

/* ==========================================================================
   5. INSIGHTS
   Articles ported from waughagency.com carry their original artwork; pieces
   written for this site have none, so their card gets a typographic panel
   rather than a grey box. Same card geometry either way.
   ========================================================================== */

.post-thumb--type{
  display:flex; align-items:flex-end; padding:18px 20px;
  background:linear-gradient(158deg,var(--brand) 0%,var(--brand-500) 70%,var(--brand-400) 100%);
  position:relative;
}
.post-thumb--type::after{
  content:''; position:absolute; inset:0; pointer-events:none; opacity:.5;
  background-image:
    linear-gradient(rgba(255,255,255,.06) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.06) 1px,transparent 1px);
  background-size:34px 34px;
}
.post-thumb--type span{
  position:relative; z-index:2;
  font-family:var(--sans); font-weight:800; font-size:.72rem; letter-spacing:.14em;
  text-transform:uppercase; color:var(--sky-100);
}

.post-more{
  margin-top:auto; padding-top:16px;
  display:inline-flex; align-items:center; gap:7px;
  font-family:var(--sans); font-weight:700; font-size:.85rem; color:var(--brand-500);
}
.post:hover .post-more{ color:var(--brand); }
.post:hover .post-more svg{ transform:translateX(3px); }
.post-more svg{ transition:transform .2s; }

.post-lead{ margin:0 0 30px; border-radius:var(--r-lg); overflow:hidden; border:1px solid var(--line); }
.post-lead img{ display:block; width:100%; height:auto; }

.post-foot{
  margin-top:44px; padding-top:26px; border-top:1px solid var(--line);
  display:flex; gap:12px; flex-wrap:wrap;
}