/* ── RESET & BASE ── */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      --teal-dark:   #037e91;
      --teal-mid:    #048fa4;
      --teal-light:  #5bc0bd;
      --teal-wash:   rgba(91,192,189,0.12);
      --teal-wash2:  rgba(3,126,145,0.07);
      --amber:       #d98c2b;
      --amber-wash:  rgba(217,140,43,0.12);
      --ink:         #1a1a1a;
      --ink-soft:    #444;
      --ink-muted:   #6b7280;
      --border:      #e8e8e8;
      --border-soft: #f0f0f0;
      --white:       #ffffff;
      --bg-section:  #f8fcfc;
      --radius-sm:   8px;
      --radius-md:   14px;
      --radius-lg:   20px;
      --radius-pill: 100px;
      --shadow-card: 0 2px 16px rgba(3,126,145,0.08);
      --shadow-hero: 0 8px 40px rgba(3,126,145,0.13);
    }

    html { scroll-behavior: smooth; }

    body {
      font-family: 'Outfit', sans-serif;
      background: var(--white);
      color: var(--ink);
      line-height: 1.6;
      font-size: 16px;
      -webkit-font-smoothing: antialiased;
    }

    img { max-width: 100%; display: block; }
    a { color: inherit; text-decoration: none; }
    ul { list-style: none; }

    .skip-link {
      position: absolute; top: -100%; left: 1rem;
      background: var(--teal-dark); color: var(--white);
      padding: 0.5rem 1rem; border-radius: var(--radius-sm);
      font-size: 0.875rem; z-index: 999;
    }
    .skip-link:focus { top: 1rem; }

    .container { width: 100%; max-width: 1140px; margin: 0 auto; padding: 0 1.5rem; }
    .container--narrow { max-width: 760px; margin: 0 auto; padding: 0 1.5rem; }

    /* ── HEADER ── */
    .site-header {
      position: sticky; top: 0; z-index: 100;
      background: rgba(255,255,255,0.96);
      backdrop-filter: blur(10px);
      border-bottom: 1px solid var(--border);
    }
    .header-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
    .brand { display: flex; align-items: center; gap: 0.5rem; font-weight: 800; font-size: 1.05rem; color: var(--ink); }
    .brand-mark {
      width: 32px; height: 32px;
      background: linear-gradient(135deg, var(--teal-dark), var(--teal-light));
      color: var(--white); border-radius: var(--radius-sm);
      display: flex; align-items: center; justify-content: center;
      font-size: 0.9rem; font-weight: 800; flex-shrink: 0;
    }
    .site-nav { display: flex; align-items: center; gap: 0.25rem; }
    .site-nav a {
      font-size: 0.875rem; font-weight: 500; color: var(--ink-soft);
      padding: 0.4rem 0.85rem; border-radius: var(--radius-pill);
      transition: color 0.2s, background 0.2s;
    }
    .site-nav a:hover { color: var(--teal-dark); background: var(--teal-wash); }
    .site-nav .nav-cta { background: var(--teal-dark); color: var(--white); font-weight: 600; padding: 0.45rem 1.1rem; }
    .site-nav .nav-cta:hover { background: var(--teal-mid); color: var(--white); }

    /* ── SECTION BASE ── */
    .section { padding: 5rem 0; }
    .section--alt { background: var(--bg-section); }

    .tag {
      display: inline-block; background: var(--teal-wash); color: var(--teal-dark);
      font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em;
      padding: 0.3rem 0.9rem; border-radius: var(--radius-pill); margin-bottom: 0.85rem;
    }
    .tag--amber { background: var(--amber-wash); color: var(--amber); }

    .section-header { text-align: center; max-width: 640px; margin: 0 auto 3rem; }
    .section-header h2 { margin-bottom: 0.75rem; }
    .section-header p { color: var(--ink-soft); font-size: 1rem; line-height: 1.7; }

    h1 { font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 800; line-height: 1.1; letter-spacing: -0.03em; color: var(--ink); }
    h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 700; line-height: 1.15; letter-spacing: -0.025em; color: var(--ink); }
    h3 { font-size: 1.05rem; font-weight: 700; color: var(--ink); margin-bottom: 0.5rem; }

    /* ── BUTTONS ── */
    .btn {
      display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
      font-family: 'Outfit', sans-serif; font-size: 0.9rem; font-weight: 600;
      padding: 0.75rem 1.5rem; border-radius: var(--radius-pill); cursor: pointer;
      transition: background 0.2s, color 0.2s, box-shadow 0.2s, transform 0.15s;
      border: 2px solid transparent; text-decoration: none;
    }
    .btn:hover { transform: translateY(-1px); }
    .btn--primary { background: var(--teal-dark); color: var(--white); }
    .btn--primary:hover { background: var(--teal-mid); box-shadow: 0 6px 20px rgba(3,126,145,0.3); }
    .btn--secondary { background: var(--white); color: var(--teal-dark); border-color: var(--teal-dark); }
    .btn--secondary:hover { background: var(--teal-wash); }
    .btn--amber { background: var(--amber); color: var(--white); }
    .btn--amber:hover { background: #c67d1f; box-shadow: 0 6px 20px rgba(217,140,43,0.3); }
    .btn--light { background: rgba(255,255,255,0.12); color: var(--white); border-color: rgba(255,255,255,0.4); }
    .btn--light:hover { background: rgba(255,255,255,0.22); }

    /* ── HERO ── */
    .hero { padding: 5rem 0 4rem; }
    .hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
    .hero-content { display: flex; flex-direction: column; gap: 1.25rem; }
    .hero-content h1 { margin-bottom: 0.25rem; }
    .hero-lead { font-size: 1.05rem; color: var(--ink-soft); line-height: 1.75; max-width: 480px; }
    .hero-actions { display: flex; gap: 0.75rem; flex-wrap: wrap; margin-top: 0.25rem; }
    .trust-strip { display: flex; gap: 1rem; flex-wrap: wrap; margin-top: 0.5rem; }
    .trust-strip span { display: inline-flex; align-items: center; gap: 0.4rem; font-size: 0.8rem; font-weight: 600; color: var(--teal-dark); }
    .trust-strip span::before {
      content: '✓'; width: 18px; height: 18px; background: var(--teal-light); color: var(--white);
      border-radius: 50%; display: inline-flex; align-items: center; justify-content: center;
      font-size: 0.6rem; flex-shrink: 0;
    }
    .hero-image-card { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-hero); aspect-ratio: 4/3; background: var(--teal-wash); }
    .hero-image-card img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }

    /* ── INTRO / VALUE PROP ── */
    .intro-text { font-size: 1rem; color: var(--ink-soft); line-height: 1.8; margin-bottom: 1rem; }
    .intro-heading-gap { margin-bottom: 2rem; }
    .intro-text:last-child { margin-bottom: 0; }
    .value-highlight {
      margin-top: 1.5rem; background: var(--white); border: 1px solid var(--border);
      border-left: 4px solid var(--teal-dark); border-radius: var(--radius-md);
      padding: 1.25rem 1.5rem; font-size: 0.98rem; font-weight: 600; color: var(--ink);
    }

    /* ── TWO PATHS ── */
    .cards-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
    .card {
      background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
      padding: 2.25rem; transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
    }
    .card:hover { box-shadow: var(--shadow-hero); transform: translateY(-3px); border-color: var(--teal-light); }
    .card--featured {
      border-color: var(--teal-dark);
      background: linear-gradient(160deg, var(--teal-wash) 0%, var(--white) 60%);
      position: relative;
    }
    .card--featured::before {
      content: 'Most clients start here'; position: absolute; top: -1px; right: 1.5rem;
      background: var(--teal-dark); color: var(--white); font-size: 0.65rem; font-weight: 700;
      text-transform: uppercase; letter-spacing: 0.08em; padding: 0.25rem 0.7rem;
      border-radius: 0 0 var(--radius-sm) var(--radius-sm);
    }
    .card-icon {
      width: 44px; height: 44px; border-radius: var(--radius-sm); background: var(--teal-wash);
      color: var(--teal-dark); font-size: 1.2rem; display: flex; align-items: center;
      justify-content: center; margin-bottom: 1rem;
    }
    .card--amber .card-icon { background: var(--amber-wash); color: var(--amber); }
    .card-body { font-size: 0.92rem; color: var(--ink-soft); line-height: 1.7; margin-bottom: 1.1rem; }
    .card-list { display: flex; flex-direction: column; gap: 0.45rem; margin-bottom: 1.5rem; }
    .card-list li { display: flex; align-items: flex-start; gap: 0.55rem; font-size: 0.85rem; color: var(--ink-soft); }
    .card-list li::before { content: '→'; color: var(--teal-dark); font-weight: 700; flex-shrink: 0; margin-top: 0.05em; }
    .card--amber .card-list li::before { color: var(--amber); }
    .card-actions { display: flex; gap: 0.65rem; flex-wrap: wrap; }

    /* ── INCOMING INSURANCE COMPARISON ── */
    .incoming-intro { max-width: 700px; margin: 0 auto 2.5rem; text-align: center; }
    .incoming-intro p { color: var(--ink-soft); font-size: 0.98rem; line-height: 1.75; margin-top: 0.5rem; }
    .compare-wrap { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-card); }
    table.compare { width: 100%; border-collapse: collapse; }
    table.compare th, table.compare td { padding: 0.85rem 1.25rem; text-align: center; font-size: 0.88rem; }
    table.compare thead th { font-size: 0.95rem; padding: 1.1rem 1.25rem; }
    table.compare th:first-child, table.compare td:first-child { text-align: left; font-weight: 500; color: var(--ink); }
    table.compare thead th:first-child { background: var(--bg-section); }
    table.compare thead th.plan-basic { background: var(--teal-light); color: var(--white); font-weight: 800; }
    table.compare thead th.plan-pro { background: var(--teal-dark); color: var(--white); font-weight: 800; }
    table.compare tbody tr:nth-child(even) { background: var(--bg-section); }
    table.compare tbody td.plan-basic, table.compare tbody td.plan-pro { font-weight: 600; color: var(--ink); }
    table.compare tbody td.plan-pro { background: rgba(3,126,145,0.04); }
    .icon-yes { color: var(--teal-dark); font-weight: 800; }
    .icon-no { color: #c94b4b; font-weight: 800; }
    .compare-cta-row td { padding: 1.25rem; background: var(--white) !important; }
    .compare-cta-row .btn { width: 100%; }
    .standards-box {
      margin-top: 2rem; background: var(--teal-wash2); border: 1px solid var(--teal-light);
      border-radius: var(--radius-md); padding: 1.75rem 2rem;
    }
    .standards-box h4 { font-size: 0.95rem; font-weight: 700; color: var(--teal-dark); margin-bottom: 0.85rem; }
    .standards-box p { font-size: 0.86rem; color: var(--ink-soft); line-height: 1.7; margin-bottom: 0.75rem; }
    .standards-box p:last-child { margin-bottom: 0; }
    .standards-box strong { color: var(--ink); }
    @media (max-width: 700px) {
      table.compare { font-size: 0.8rem; }
      table.compare th, table.compare td { padding: 0.65rem 0.6rem; }
    }

    /* ── QUESTIONS ── */
    .problems-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: start; }
    .problem-intro p { font-size: 0.95rem; color: var(--ink-soft); line-height: 1.75; margin-top: 0.75rem; }
    .question-list { display: flex; flex-direction: column; gap: 0.85rem; }
    .question-item {
      display: flex; align-items: flex-start; gap: 0.85rem; background: var(--white);
      border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1rem 1.25rem;
      font-size: 0.9rem; font-weight: 500; color: var(--ink);
      transition: border-color 0.2s, box-shadow 0.2s;
    }
    .question-item:hover { border-color: var(--teal-light); box-shadow: var(--shadow-card); }
    .question-item::before {
      content: '?'; width: 24px; height: 24px; background: var(--teal-wash); color: var(--teal-dark);
      border-radius: 50%; font-size: 0.75rem; font-weight: 800; display: flex;
      align-items: center; justify-content: center; flex-shrink: 0;
    }

    /* ── PROCESS ── */
    .steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; position: relative; }
    .steps-grid::before {
      content: ''; position: absolute; top: 28px; left: calc(12.5% + 1rem); right: calc(12.5% + 1rem);
      height: 2px; background: linear-gradient(90deg, var(--teal-light), var(--teal-dark)); z-index: 0;
    }
    .step { position: relative; z-index: 1; text-align: center; padding: 0 0.5rem; }
    .step-num {
      width: 56px; height: 56px; border-radius: 50%;
      background: linear-gradient(135deg, var(--teal-dark), var(--teal-light)); color: var(--white);
      font-size: 1rem; font-weight: 800; display: flex; align-items: center; justify-content: center;
      margin: 0 auto 1.1rem; box-shadow: 0 4px 16px rgba(3,126,145,0.25);
    }
    .step h3 { font-size: 0.95rem; margin-bottom: 0.4rem; text-align: center; }
    .step p { font-size: 0.85rem; color: var(--ink-soft); line-height: 1.65; }

    /* ── ABOUT SPLIT ── */
    .services-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
    .services-grid--reverse { direction: rtl; }
    .services-grid--reverse > * { direction: ltr; }
    .about-photo { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-card); }
    .about-photo img { width: 100%; height: 100%; object-fit: cover; }
    .check-box { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-card); }
    .check-box-title { font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: var(--teal-dark); margin-bottom: 1.25rem; }
    .check-list { display: flex; flex-direction: column; }
    .check-item { display: flex; align-items: center; gap: 0.85rem; font-size: 0.9rem; font-weight: 500; color: var(--ink); padding: 0.65rem 0; border-bottom: 1px solid var(--border-soft); }
    .check-item:last-child { border-bottom: none; padding-bottom: 0; }
    .check-item:first-child { padding-top: 0; }
    .check-icon { width: 22px; height: 22px; border-radius: 50%; background: var(--teal-light); color: var(--white); font-size: 0.65rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .services-text p { font-size: 0.95rem; color: var(--ink-soft); line-height: 1.75; margin-top: 0.85rem; }

    /* ── TESTIMONIALS ── */
    .testi-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
    .testi-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-card); }
    .testi-card p { font-size: 0.95rem; line-height: 1.75; color: var(--ink); margin-bottom: 1.1rem; font-style: italic; }
    .testi-card .who { font-size: 0.82rem; color: var(--ink-muted); font-weight: 600; }

    /* ── TRUST ── */
    .trust-panel {
      background: linear-gradient(135deg, var(--teal-dark) 0%, var(--teal-mid) 100%);
      border-radius: var(--radius-lg); padding: 3rem; display: grid;
      grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center;
    }
    .trust-panel h2 { color: var(--white); }
    .trust-panel .tag { background: rgba(255,255,255,0.15); color: rgba(255,255,255,0.9); }
    .trust-lead { color: rgba(255,255,255,0.8); font-size: 0.95rem; line-height: 1.75; margin-top: 0.75rem; }
    .trust-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
    .trust-item { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.15); border-radius: var(--radius-md); padding: 1.25rem; }
    .trust-item strong { display: block; color: var(--white); font-size: 0.95rem; font-weight: 700; margin-bottom: 0.3rem; }
    .trust-item span { color: rgba(255,255,255,0.75); font-size: 0.82rem; line-height: 1.5; }

    /* ── CTA SECTION ── */
    .cta-section { background: var(--bg-section); }
    .cta-card { background: linear-gradient(135deg, var(--teal-dark) 0%, var(--teal-mid) 100%); border-radius: var(--radius-lg); padding: 3.5rem; text-align: center; }
    .cta-card .tag { background: rgba(255,255,255,0.15); color: rgba(255,255,255,0.9); }
    .cta-card h2 { color: var(--white); margin-bottom: 0.75rem; }
    .cta-card p { color: rgba(255,255,255,0.82); font-size: 1rem; line-height: 1.7; max-width: 580px; margin: 0 auto; }
    .cta-actions { display: flex; gap: 0.85rem; justify-content: center; flex-wrap: wrap; margin-top: 2rem; }
    .cta-note { color: rgba(255,255,255,0.5); font-size: 0.78rem; margin-top: 1.25rem; }

    /* ── FOOTER ── */
    .site-footer { border-top: 1px solid var(--border); padding: 1.75rem 0; }
    .footer-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }
    .footer-inner p { font-size: 0.82rem; color: var(--ink-muted); }
    .footer-links { display: flex; gap: 1.25rem; }
    .footer-links a { font-size: 0.82rem; color: var(--ink-muted); transition: color 0.2s; }
    .footer-links a:hover { color: var(--teal-dark); }

    /* ── RESPONSIVE ── */
    @media (max-width: 900px) {
      .hero-grid, .problems-grid, .services-grid { grid-template-columns: 1fr; gap: 2.5rem; }
      .hero-image-card { max-width: 520px; }
      .services-grid--reverse { direction: ltr; }
      .cards-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
      .steps-grid { grid-template-columns: 1fr 1fr; }
      .steps-grid::before { display: none; }
      .trust-panel { grid-template-columns: 1fr; gap: 2rem; }
      .testi-grid { grid-template-columns: 1fr; }
    }
    @media (max-width: 600px) {
      .section { padding: 3.5rem 0; }
      .steps-grid { grid-template-columns: 1fr; }
      .trust-grid { grid-template-columns: 1fr; }
      .cta-card { padding: 2.5rem 1.5rem; }
      .site-nav a:not(.nav-cta) { display: none; }
    }

    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after { transition: none !important; animation: none !important; }
    }
  
    /* ── BLOG: LISTING ── */
    .blog-hero { padding: 4rem 0 1rem; }
    .blog-hero .tag { margin-bottom: 0.85rem; }
    .blog-hero p { color: var(--ink-soft); font-size: 1rem; line-height: 1.75; max-width: 560px; }
    .blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.75rem; }
    .blog-card {
      display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--border);
      border-radius: var(--radius-lg); overflow: hidden; transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
    }
    .blog-card:hover { box-shadow: var(--shadow-hero); transform: translateY(-3px); border-color: var(--teal-light); }
    .blog-card-top { height: 8px; background: linear-gradient(90deg, var(--teal-dark), var(--teal-light)); }
    .blog-card-top.amber { background: linear-gradient(90deg, var(--amber), #f0b968); }
    .blog-card-body { padding: 1.75rem; display: flex; flex-direction: column; gap: 0.75rem; flex: 1; }
    .blog-card-tag { font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--teal-dark); }
    .blog-card-body h3 { font-size: 1.1rem; margin-bottom: 0; }
    .blog-card-excerpt { font-size: 0.88rem; color: var(--ink-soft); line-height: 1.65; flex: 1; }
    .blog-card-meta { font-size: 0.76rem; color: var(--ink-muted); margin-top: 0.25rem; }
    .blog-card-link { font-size: 0.85rem; font-weight: 700; color: var(--teal-dark); margin-top: 0.5rem; }
    .blog-card-link::after { content: ' →'; }

    /* ── BLOG: ARTICLE ── */
    .breadcrumb { font-size: 0.82rem; color: var(--ink-muted); margin-bottom: 1.25rem; }
    .breadcrumb a { color: var(--teal-dark); font-weight: 600; }
    .article-header { max-width: 720px; margin: 0 auto; text-align: left; }
    .article-header .tag { margin-bottom: 1rem; }
    .article-header h1 { font-size: clamp(1.8rem, 3.6vw, 2.6rem); margin-bottom: 0.75rem; }
    .article-meta { font-size: 0.85rem; color: var(--ink-muted); margin-bottom: 0; }
    .article-body { max-width: 720px; margin: 0 auto; }
    .article-body p { font-size: 1rem; color: var(--ink-soft); line-height: 1.85; margin-bottom: 1.35rem; }
    .article-body h2 { font-size: 1.4rem; margin: 2.5rem 0 1rem; color: var(--ink); }
    .article-body h3 { font-size: 1.1rem; margin: 1.75rem 0 0.75rem; }
    .article-body ul, .article-body ol { margin: 0 0 1.35rem 1.25rem; color: var(--ink-soft); font-size: 1rem; line-height: 1.85; }
    .article-body li { margin-bottom: 0.4rem; }
    .article-body strong { color: var(--ink); }
    .article-callout {
      background: var(--teal-wash2); border: 1px solid var(--teal-light); border-radius: var(--radius-md);
      padding: 1.5rem 1.75rem; margin: 2rem 0; font-size: 0.95rem; color: var(--ink); line-height: 1.7;
    }
    .article-callout strong { color: var(--teal-dark); }
    .article-cta {
      margin: 2.5rem 0; padding: 2rem; border-radius: var(--radius-lg);
      background: linear-gradient(135deg, var(--teal-dark) 0%, var(--teal-mid) 100%); text-align: center;
    }
    .article-cta p { color: rgba(255,255,255,0.9); font-size: 0.98rem; margin-bottom: 1.25rem; }
    .article-share { max-width: 720px; margin: 3rem auto 0; padding-top: 2rem; border-top: 1px solid var(--border); }
    .article-share a { font-size: 0.88rem; font-weight: 700; color: var(--teal-dark); }

    @media (max-width: 900px) {
      .blog-grid { grid-template-columns: 1fr; }
    }