:root{--paper:#f4f1e9;--white:#fffdf8;--ink:#171816;--muted:#65675f;--line:#cbc8bd;--accent:#a63c2e;--dark:#17231f;--max:1240px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.55}
.skip{position:absolute;left:-999px}
.skip:focus{left:1rem;top:1rem;background:#fff;padding:.75rem;z-index:10}
.preview-bar{background:var(--dark);color:#fff;text-align:center;padding:.42rem;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase}
.site-header{max-width:var(--max);margin:auto;display:flex;align-items:center;justify-content:space-between;padding:1.5rem 2rem;border-bottom:1px solid var(--line)}
.brand{text-decoration:none;color:inherit;display:flex;align-items:baseline;gap:.55rem}
.brand span{font-weight:800;letter-spacing:.16em}
.brand small{text-transform:uppercase;letter-spacing:.18em;font-size:.56rem;color:var(--muted)}
nav{display:flex;align-items:center;gap:1.5rem}
nav a{color:inherit;text-decoration:none;font-size:.83rem}
nav a[aria-current=page]{border-bottom:1px solid var(--ink)}
.nav-cta{border:1px solid var(--ink);padding:.72rem 1rem}
.menu{display:none}
main,footer{max-width:var(--max);margin:auto}
.section-rule{border-bottom:1px solid var(--line)}
.hero{padding:7.5rem 2rem 3rem;min-height:690px}
.eyebrow,.index,.evidence-type,.demo-label{text-transform:uppercase;letter-spacing:.1em;font-size:.94rem;font-weight:700;color:var(--accent)}
h1,h2,h3,p{margin-top:0}
h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-.035em}
.hero h1{font-size:clamp(4rem,8vw,7.8rem);line-height:.92;max-width:1100px;margin:1.5rem 0 2.3rem}
.lede{font-size:clamp(1.25rem,2.1vw,1.8rem);line-height:1.35;max-width:760px;color:#343630}
.hero-actions{display:flex;gap:2rem;align-items:center;margin-top:2.5rem}
.button{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;padding:1rem 1.3rem;font-weight:700;font-size:.84rem}
.text-link{color:inherit;text-decoration:none;border-bottom:1px solid var(--ink);padding-bottom:.25rem}
.positioning{margin-top:7rem;color:var(--muted);font-size:.84rem}
.editorial-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:5rem;padding:6rem 2rem}
.editorial-grid h2{font-size:clamp(2.35rem,4vw,4rem);line-height:1.04;max-width:16ch}
.page-hero h1,.closing h2{font-size:clamp(2.5rem,5vw,5.2rem);line-height:1.02}
.prose{max-width:590px;font-size:1.18rem}
.prose p{margin-bottom:1.6rem}
.dark{background:var(--dark);color:#f4f1e9;margin-left:0;margin-right:0;padding-left:2rem;padding-right:2rem}
.dark .index{color:#dda79f}
.light{border-color:#f4f1e9}
.application-list{padding:1rem 2rem 6rem}
.application-list>a{display:grid;grid-template-columns:70px 1.1fr 2fr 40px;align-items:center;gap:1rem;border-top:1px solid var(--line);padding:1.7rem 0;color:inherit;text-decoration:none}
.application-list>a:last-child{border-bottom:1px solid var(--line)}
.application-list h3{font-family:Georgia,serif;font-size:1.8rem;font-weight:400;margin:0}
.application-list p{margin:0;color:var(--muted)}
.arrow{font-size:1.3rem}
.compact>a{grid-template-columns:70px 1fr 40px}
.closing{background:var(--accent);color:#fff;padding:6rem 2rem}
.closing .eyebrow{color:#fff}
.closing h2{max-width:850px}
.closing>p:not(.eyebrow){max-width:650px;font-size:1.15rem;margin-bottom:2rem}
.inverse{background:#fff;color:var(--accent)}
.page-hero{padding:7rem 2rem 5rem}
.page-hero h1{max-width:1000px;margin:1rem 0}
.evidence-columns{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line)}
.evidence-columns article{background:var(--paper);padding:5rem 2rem}
.evidence-columns h2{font-size:2.8rem}
.evidence-columns li{margin-bottom:1rem}
.external{background:var(--white)!important}
.source-note{font-size:.82rem;color:var(--muted);margin-top:2rem}
.demo{display:grid;grid-template-columns:1fr 1fr;gap:3rem;padding:5rem 2rem}
.demo-options{display:flex;flex-wrap:wrap;gap:.7rem}
.demo-options button{background:transparent;border:1px solid var(--ink);padding:.8rem 1rem;cursor:pointer}
.demo-options button[aria-pressed=true]{background:var(--ink);color:#fff}
.demo-response{background:var(--white);border-left:4px solid var(--accent);padding:2.5rem;min-height:240px}
.demo-response>[data-response]{font-family:Georgia,serif;font-size:1.8rem;line-height:1.3}
.demo-response small{color:var(--muted)}
.insurance-entry{display:grid;grid-template-columns:1.08fr .92fr;gap:5rem;padding:6rem 2rem;background:var(--white)}
.insurance-entry h2,.industry-feature h2,.process-intro h2{font-size:clamp(2.35rem,4vw,4rem);line-height:1.04;max-width:17ch}
.industry-feature{padding:6rem 2rem;background:var(--white)}
.industry-feature h2{max-width:19ch;margin:1.2rem 0 1.5rem}
.industry-feature>p:not(.index){max-width:680px;font-size:1.18rem;margin-bottom:2rem}
.industry-detail-heading{padding:5rem 2rem 1.5rem;margin:0}
.insurance-hero .hero-actions{margin-top:2.3rem}
.insurance-situations{padding:6rem 2rem}
.situation-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);margin-top:2rem}
.situation-grid article{background:var(--paper);padding:3rem}
.situation-grid article:nth-child(2),.situation-grid article:nth-child(3){background:var(--white)}
.situation-grid span,.insurance-process li>span{color:var(--accent);font-weight:700;font-size:.86rem;letter-spacing:.08em}
.situation-grid h2{font-size:2.2rem;line-height:1.08;margin:.9rem 0 1rem}
.situation-grid p{max-width:510px;color:#343630}
.insurance-process{display:grid;grid-template-columns:.8fr 1.2fr;gap:5rem;padding:6rem 2rem}
.process-intro>p:last-child{color:var(--muted);max-width:420px}
.insurance-process ol{list-style:none;padding:0;margin:0}
.insurance-process li{display:grid;grid-template-columns:55px 1fr;gap:1rem;padding:1.6rem 0;border-top:1px solid var(--line)}
.insurance-process li:last-child{border-bottom:1px solid var(--line)}
.insurance-process h3{font-family:Georgia,serif;font-size:1.6rem;font-weight:400;margin-bottom:.4rem}
.insurance-process p{margin:0;color:var(--muted)}
.founder-proof{background:var(--white)}
.founder-proof-body{display:grid;grid-template-columns:220px 1fr;gap:2rem;align-items:start}.founder-proof-body>img{display:block;width:220px;height:275px;object-fit:cover;object-position:center top;border:1px solid var(--line);filter:saturate(.88)}
.founder-profile{max-width:var(--max);margin-inline:auto;padding:6.5rem 2rem;display:grid;grid-template-columns:minmax(280px,.72fr) minmax(420px,1.28fr);gap:6rem;align-items:center}.founder-profile figure{margin:0}.founder-profile figure img{display:block;width:100%;max-width:520px;aspect-ratio:1/1;object-fit:cover;object-position:center top;border:1px solid var(--line);box-shadow:0 22px 52px rgba(16,23,18,.12);filter:saturate(.9)}.founder-profile figcaption{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:var(--accent);margin-top:.9rem}.founder-profile h2{font-size:clamp(2.4rem,3.8vw,4rem);font-weight:760;line-height:1.03;letter-spacing:-.05em;margin:1rem 0 1.5rem}.about-principles{max-width:var(--max);margin-inline:auto;padding:0 2rem 6.5rem;display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.about-principles article{background:var(--white);border:1px solid var(--line);padding:2.4rem;min-height:260px}.about-principles span{font-size:.72rem;font-weight:850;color:var(--accent)}.about-principles h2{font-size:1.55rem;margin:2.2rem 0 .8rem}.about-principles p{color:var(--muted)}
.contact-hero .lede{max-width:850px}
.contact-intro{background:var(--white)}
.contact-layout{display:grid;grid-template-columns:1.35fr .65fr;gap:1px;background:var(--line)}
.contact-form-panel,.contact-context{background:var(--paper);padding:5rem 2rem}
.contact-form-panel h2,.contact-context h2{font-size:clamp(2.35rem,4vw,4rem);line-height:1.04;max-width:14ch}
.contact-context{background:var(--white)}
.contact-context>p,.contact-context li{font-size:1.05rem}
.contact-context li{margin-bottom:.75rem}
.contact-form{margin-top:2.5rem;max-width:760px}
.contact-fields{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}
.contact-form label{display:block;margin-bottom:1.25rem}
.contact-form label>span{display:block;font-weight:700;font-size:.88rem;margin-bottom:.45rem}
.contact-form input,.contact-form select,.contact-form textarea{width:100%;border:1px solid var(--line);border-radius:0;background:var(--white);color:var(--ink);font:inherit;padding:.9rem}
.contact-form textarea{resize:vertical}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{outline:2px solid var(--accent);outline-offset:2px}
.contact-note,.contact-status{font-size:.82rem;color:var(--muted);margin-top:1rem}
.contact-note a{color:inherit;text-underline-offset:.18em}
.contact-trap{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.contact-errors{border-left:3px solid var(--accent);padding:1rem 1.2rem;background:var(--white);margin-bottom:1.4rem}
.contact-errors p{font-weight:700;margin:0 0 .45rem}
.contact-errors ul{margin:0;padding-left:1.2rem}
.contact-form button:disabled{cursor:not-allowed;opacity:.55}
.contact-status:not(:empty){border-left:3px solid var(--accent);padding:.8rem 1rem;background:var(--white);color:var(--ink)}
.snapshot-hero .lede{max-width:900px}
.questionnaire-layout{display:grid;grid-template-columns:1.35fr .65fr;gap:1px;background:var(--line)}
.questionnaire,.questionnaire-context,.snapshot-result{background:var(--paper);padding:5rem 2rem}
.questionnaire-context{background:var(--white)}
.questionnaire-context h2,.snapshot-result h2{font-size:clamp(2.35rem,4vw,4rem);line-height:1.04}
.questionnaire-context ol{padding-left:1.2rem}
.questionnaire-context li{margin-bottom:1rem}
.questionnaire fieldset{border:0;border-top:1px solid var(--line);margin:0 0 2.5rem;padding:2rem 0 0}
.questionnaire legend{font-family:Georgia,'Times New Roman',serif;font-size:2rem;padding:0 1rem 0 0}
.questionnaire label{display:block;margin-bottom:1.25rem}
.questionnaire label>span{display:block;font-weight:700;font-size:.88rem;margin-bottom:.45rem}
.questionnaire input,.questionnaire select,.questionnaire textarea{width:100%;border:1px solid var(--line);border-radius:0;background:var(--white);color:var(--ink);font:inherit;padding:.9rem}
.questionnaire textarea{resize:vertical}
.questionnaire input:focus,.questionnaire select:focus,.questionnaire textarea:focus{outline:2px solid var(--accent);outline-offset:2px}
.questionnaire .check-label{display:flex;align-items:flex-start;gap:.8rem}
.questionnaire .check-label input{width:auto;margin-top:.35rem}
.questionnaire .check-label span{font-weight:400;font-size:.95rem}
.form-boundary{border-left:3px solid var(--accent);padding:1rem;background:var(--white);font-size:.9rem}
.result-lede{font-size:1.3rem;max-width:780px}
.result-figures{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);margin:2rem 0}
.result-figures>div{background:var(--white);padding:2rem}
.result-figures span{display:block;color:var(--muted);font-size:.9rem}
.result-figures strong{display:block;font-family:Georgia,serif;font-weight:400;font-size:2.8rem;margin-top:.4rem}
.contact-next{padding:6rem 2rem}
.contact-next ol{list-style:none;padding:0;margin:2rem 0 0}
.contact-next li{display:grid;grid-template-columns:60px 1fr;gap:1rem;padding:2rem 0;border-top:1px solid var(--line)}
.contact-next li:last-child{border-bottom:1px solid var(--line)}
.contact-next li>span{color:var(--accent);font-weight:700;font-size:.86rem;letter-spacing:.08em}
.contact-next h2{font-size:clamp(1.8rem,3vw,2.8rem);line-height:1.08;margin-bottom:.5rem}
.contact-next p{max-width:720px;color:var(--muted);margin:0}
.policy-hero .lede{max-width:900px}
.policy{padding:5rem 2rem;max-width:900px;margin-left:auto;margin-right:auto}
.policy-updated{color:var(--muted);font-size:.84rem;margin-bottom:3rem}
.policy article{padding:2.5rem 0;border-top:1px solid var(--line)}
.policy article:last-child{border-bottom:1px solid var(--line)}
.policy h2{font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.1;margin-bottom:1.2rem}
.policy p,.policy li{font-size:1.05rem}
.policy li{margin-bottom:.6rem}
.policy a{color:inherit;text-underline-offset:.2em}
footer{padding:4rem 2rem 2rem;display:grid;grid-template-columns:1fr 1.5fr 1fr;gap:2rem;border-top:1px solid var(--line)}
footer nav{display:grid;gap:.5rem}
footer>small{grid-column:1/-1;color:var(--muted)}
@media(max-width:800px){.site-header{align-items:flex-start}
.menu{display:block;background:transparent;border:1px solid var(--ink);padding:.5rem}
.site-header nav{display:none;position:absolute;top:112px;left:0;right:0;background:var(--paper);padding:2rem;z-index:3;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}
.site-header nav.open{display:flex}
.hero{padding-top:5rem;min-height:620px}
.hero h1{font-size:clamp(3.5rem,17vw,5.5rem)}
.editorial-grid,.evidence-columns,.demo,footer{grid-template-columns:1fr;gap:2rem}
.insurance-entry,.insurance-process{grid-template-columns:1fr;gap:2rem}
.contact-layout{grid-template-columns:1fr}
.questionnaire-layout{grid-template-columns:1fr}
.questionnaire,.questionnaire-context,.snapshot-result{padding:4rem 1.25rem}
.result-figures{grid-template-columns:1fr}
.contact-fields{grid-template-columns:1fr}
.contact-form-panel,.contact-context,.contact-next{padding-left:1.25rem;padding-right:1.25rem}
.policy{padding:4rem 1.25rem}
.situation-grid{grid-template-columns:1fr}
.situation-grid article,.situation-grid article:nth-child(2),.situation-grid article:nth-child(3){padding:2.2rem 1.25rem;background:var(--paper)}
.editorial-grid{padding:4rem 1.25rem}
.application-list{padding-left:1.25rem;padding-right:1.25rem}
.application-list>a{grid-template-columns:45px 1fr 30px}
.application-list p{grid-column:2/-1}
.hero,.page-hero,.closing{padding-left:1.25rem;padding-right:1.25rem}
.hero-actions{align-items:flex-start;flex-direction:column}
.positioning{margin-top:5rem}
footer nav{align-items:flex-start}
}
@media(max-width:800px){.editorial-grid h2{font-size:clamp(2.25rem,10vw,3.2rem);max-width:18ch}}

/* 2026-10-24 institutional visual refinement */
:root{--paper:#f2efe6;--white:#fffdf8;--ink:#151713;--muted:#61645c;--line:#c7c3b7;--accent:#aa3e30;--gold:#a98035;--dark:#13201c;--dark-soft:#1d2a25;--max:1320px}
body{font-size:16.5px;background:#e9e5da}
.preview-bar{position:relative;z-index:6;background:#101a17;padding:.5rem;font-size:.68rem;font-weight:700;letter-spacing:.16em}
.site-header{position:relative;z-index:5;max-width:none;background:var(--white);padding:1.1rem max(2rem,calc((100vw - var(--max))/2 + 2rem));box-shadow:0 1px 0 var(--line)}
.brand{display:block;line-height:0}
.brand img{display:block;width:176px;height:auto}
nav{gap:1.35rem}
nav a{font-size:.78rem;font-weight:700;letter-spacing:.01em}
nav a:not(.nav-cta){padding:.6rem 0}
nav a[aria-current=page]{border-bottom:2px solid var(--gold)}
.nav-cta{border:1px solid var(--ink);padding:.75rem 1rem;transition:background .2s,color .2s}
.nav-cta:hover{background:var(--ink);color:var(--white)}
main,footer{background:var(--paper)}
.section-rule{border-color:var(--line)}
.eyebrow,.index,.evidence-type,.demo-label{font-size:.88rem;letter-spacing:.13em}
.home-hero{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(260px,.55fr);gap:5rem;align-items:end;max-width:none;min-height:650px;padding:7rem max(2rem,calc((100vw - var(--max))/2 + 2rem)) 4.5rem;background:var(--dark);color:var(--white);overflow:hidden;position:relative}
.home-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,transparent 0 62%,rgba(255,255,255,.025) 62% 62.15%,transparent 62.15%),linear-gradient(0deg,transparent 0 78%,rgba(169,128,53,.2) 78% 78.15%,transparent 78.15%);pointer-events:none}
.home-hero>*{position:relative}
.home-hero .eyebrow{color:#d8b46c}
.home-hero h1{font-size:clamp(3.8rem,6.8vw,6.6rem);line-height:.94;max-width:920px;margin:1.35rem 0 2rem}
.home-hero .lede{font-size:clamp(1.15rem,1.8vw,1.5rem);max-width:720px;color:#e4e1d9}
.home-hero .button{background:var(--gold);color:#101713}
.home-hero .text-link{color:var(--white);border-color:#aeb8b2}
.home-hero .positioning{margin:4rem 0 0;color:#aeb8b2;font-size:.78rem;text-transform:uppercase;letter-spacing:.12em}
.hero-framework{border-top:2px solid var(--gold);padding-top:1.2rem;margin-bottom:.25rem}
.framework-title{text-transform:uppercase;letter-spacing:.13em;font-size:.7rem;color:#d8b46c;margin-bottom:1rem}
.hero-framework ol{list-style:none;padding:0;margin:0}
.hero-framework li{display:grid;grid-template-columns:2.5rem 1fr;gap:.75rem;padding:1rem 0;border-top:1px solid rgba(255,255,255,.18);font-size:.9rem;color:#e4e1d9}
.hero-framework li:last-child{border-bottom:1px solid rgba(255,255,255,.18)}
.hero-framework span{color:#d8b46c;font-weight:700;font-size:.72rem;letter-spacing:.1em;padding-top:.12rem}
.page-hero{padding:6.3rem 2rem 5.2rem;background:var(--paper)}
.page-hero h1,.closing h2{font-size:clamp(2.7rem,4.8vw,4.9rem);max-width:940px}
.page-hero .lede{max-width:820px}
.insurance-entry{grid-template-columns:1fr 1fr;gap:6rem;padding:6.5rem 2rem;background:var(--white)}
.insurance-entry h2,.industry-feature h2,.process-intro h2,.editorial-grid h2{font-size:clamp(2.4rem,3.5vw,3.7rem);line-height:1.03}
.editorial-grid{gap:6rem;padding:6.3rem 2rem}
.prose{font-size:1.08rem;line-height:1.65}
.prose p{margin-bottom:1.35rem}
.application-section{padding-top:4.8rem;background:#ebe7dc}
.section-rule>.index{max-width:var(--max);margin-left:auto;margin-right:auto;padding:0 2rem 1.25rem}
.application-list{padding:0 2rem 5.8rem}
.application-list>a{grid-template-columns:64px 1fr 1.7fr 32px;background:var(--white);border-top:0;border-bottom:1px solid var(--line);padding:1.65rem 1.5rem;transition:transform .18s ease,background .18s ease}
.application-list>a:first-child{border-top:1px solid var(--line)}
.application-list>a:hover{background:#f8f5ec;transform:translateX(5px)}
.application-list h3{font-size:1.65rem}
.application-list .app-no{color:var(--gold);font-size:.76rem;font-weight:800;letter-spacing:.1em}
.application-list .arrow{color:var(--accent)}
.dark{background:var(--dark);color:var(--white)}
.dark .prose{color:#e5e2da}
.dark .index{color:#d8b46c}
.dark .text-link{border-color:#cbd1cd}
.closing{background:var(--accent);padding:6.3rem 2rem}
.closing .button.inverse{color:#812d22}
.button{padding:.92rem 1.2rem;letter-spacing:.01em;transition:transform .18s ease,filter .18s ease}
.button:hover{transform:translateY(-2px);filter:brightness(.96)}
.industry-feature{padding:6.3rem 2rem}
.detail-grid article{padding:3.8rem 2.2rem}
.detail-grid h2{font-size:1.7rem;line-height:1.18}
.situation-grid article{padding:3.25rem}
.situation-grid h2{font-size:2rem}
.evidence-columns article{padding:5.5rem 2.3rem}
.evidence-columns h2{font-size:2.5rem;line-height:1.06}
.contact-form-panel,.contact-context,.questionnaire,.questionnaire-context,.snapshot-result{padding-top:5.5rem;padding-bottom:5.5rem}
footer{max-width:none;background:var(--dark);color:#e7e3d8;padding:4.5rem max(2rem,calc((100vw - var(--max))/2 + 2rem)) 2.2rem;border:0}
footer .brand img{filter:brightness(0) invert(1);opacity:.92}
footer p{color:#bec6c1}
footer nav a{color:#e7e3d8;font-weight:400}
footer>small{border-top:1px solid rgba(255,255,255,.18);padding-top:1.5rem;color:#9ca7a1}

@media(min-width:801px){
  .page-hero,.editorial-grid,.insurance-entry,.industry-feature,.insurance-situations,.insurance-process,.contact-next,.policy,.application-list,.section-rule>.index{max-width:var(--max);margin-left:auto;margin-right:auto}
  .dark,.closing{max-width:var(--max)}
}
@media(max-width:1000px) and (min-width:801px){
  .site-header{padding-left:1.25rem;padding-right:1.25rem}
  nav{gap:.8rem}
  nav a{font-size:.7rem}
  .brand img{width:145px}
  .home-hero{grid-template-columns:1fr 250px;gap:2.5rem;padding-left:2rem;padding-right:2rem}
}
@media(max-width:800px){
  .site-header{padding:1rem 1.25rem;align-items:center}
  .brand img{width:154px}
  .site-header nav{top:101px;background:var(--white);padding:1.5rem 1.25rem}
  .home-hero{display:block;min-height:0;padding:5rem 1.25rem 3.5rem}
  .home-hero h1{font-size:clamp(3.1rem,14vw,4.8rem);max-width:11ch}
  .home-hero .positioning{margin-top:3rem}
  .hero-framework{margin-top:3.5rem}
  .page-hero{padding-top:4.8rem;padding-bottom:4rem}
  .page-hero h1,.closing h2{font-size:clamp(2.6rem,12vw,4rem)}
  .insurance-entry,.editorial-grid{padding-top:4.5rem;padding-bottom:4.5rem}
  .application-section{padding-top:3.5rem}
  .section-rule>.index{padding-left:1.25rem;padding-right:1.25rem}
  .application-list>a{grid-template-columns:42px 1fr 28px;padding:1.4rem .8rem}
  .application-list p{font-size:.9rem}
  .application-list h3{font-size:1.45rem}
  .closing{padding-top:4.8rem;padding-bottom:4.8rem}
  footer{padding:3.5rem 1.25rem 2rem}
}

/* Approved 2026-10-24 visual system */
:root{--paper:#f3f0e7;--white:#fffdf8;--ink:#101712;--muted:#62665f;--line:#d4d0c5;--accent:#b43e30;--gold:#b68a38;--dark:#0d1a16;--dark-soft:#14241e;--max:1320px}
html{background:var(--paper)}
body{background:var(--paper);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.55}
h1,h2,h3,.application-list h3,.insurance-process h3,.questionnaire legend,.result-figures strong,.demo-response>[data-response]{font-family:Arial,Helvetica,sans-serif;font-weight:750;letter-spacing:-.045em}
main{max-width:none;background:var(--paper)}
.shell{width:min(var(--max),calc(100% - 64px));margin-inline:auto}
.preview-bar{background:#09120f;color:#fff}
.site-header{height:92px;padding-top:0;padding-bottom:0;background:var(--white)}
.site-header .brand img{width:178px}
.site-header nav{gap:1.45rem}
.site-header nav a{font-size:.76rem;font-weight:750}
.site-header .nav-cta{padding:.75rem 1rem}
.kicker{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.16em;margin:0 0 1.15rem}
.gold{color:#d4ab5f}.red{color:var(--accent)}
.primary{display:inline-block;background:var(--gold);color:#111812;text-decoration:none;padding:.95rem 1.2rem;font-size:.82rem;font-weight:800}
.inverse-link,.arrow-link{color:inherit;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:.23rem;font-weight:700}
.actions{display:flex;gap:1.7rem;align-items:center;margin-top:2.4rem}

/* Homepage */
.hero-v3{background:var(--dark);color:#fff;position:relative;overflow:hidden}
.hero-v3:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,transparent 0 68%,rgba(182,138,56,.11) 68% 68.12%,transparent 68.12%);pointer-events:none}
.hero-v3-grid{min-height:680px;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(330px,.65fr);gap:7rem;align-items:center;position:relative;z-index:1}
.hero-v3 h1{font-size:clamp(4rem,6vw,6.1rem);font-weight:760;line-height:.94;letter-spacing:-.065em;max-width:820px;margin:0 0 1.6rem}
.hero-v3-lede{font-size:1.32rem;line-height:1.45;color:#d9dfdc;max-width:680px}
.opportunity-panel{background:var(--dark-soft);border-top:3px solid var(--gold);padding:1.5rem 1.7rem}
.panel-label{text-transform:uppercase;letter-spacing:.14em;font-size:.68rem;color:#d4ab5f;margin-bottom:1rem}
.opportunity-panel ul{list-style:none;padding:0;margin:0}
.opportunity-panel li{display:grid;grid-template-columns:2.2rem 1fr;gap:.75rem;padding:1.1rem 0;border-top:1px solid rgba(255,255,255,.16)}
.opportunity-panel li>span{color:#d4ab5f;font-size:.7rem;font-weight:800;letter-spacing:.08em}
.opportunity-panel strong{display:block;font-size:.95rem}.opportunity-panel small{display:block;color:#9eaaa4;font-size:.78rem;margin-top:.25rem;line-height:1.4}
.signal-strip{display:grid;grid-template-columns:repeat(4,1fr);background:var(--white);border:1px solid var(--line)}
.signal-strip div{padding:1.6rem;border-right:1px solid var(--line)}.signal-strip div:last-child{border-right:0}
.signal-strip span{font-weight:850;font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--accent)}
.signal-strip p{font-size:.88rem;color:var(--muted);margin:.55rem 0 0;max-width:230px}
.snapshot-intro-v3{display:grid;grid-template-columns:1fr 1fr;gap:5.5rem;padding-block:5rem;border-bottom:1px solid var(--line)}
.snapshot-intro-v3 h2{font-size:clamp(2.25rem,3.6vw,3.8rem);line-height:1.03;letter-spacing:-.05em;max-width:700px;margin:0}
.snapshot-intro-v3>div:last-child{padding-top:1.95rem}.snapshot-intro-v3>div:last-child p{color:var(--muted);max-width:590px}.snapshot-button{margin-top:.75rem}
.insurance-v3{display:grid;grid-template-columns:1fr 1fr;gap:5.5rem;padding-block:7rem}
.insurance-v3 h2,.section-intro-v3 h2,.method-v3 h2,.evidence-v3 h2,.contact-v3 h2{font-size:clamp(2.7rem,4.5vw,4.8rem);line-height:1;letter-spacing:-.055em;margin-bottom:1.6rem}
.insurance-v3-body{padding-top:2.1rem}.insurance-v3-body .large{font-size:1.3rem;line-height:1.45;color:#252a26}.insurance-v3-body>p:not(.large){color:var(--muted);max-width:620px}
.insurance-v3-list{grid-column:1/-1;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:1rem}
.insurance-v3-list span{padding:1.2rem 1rem;border-right:1px solid var(--line);font-weight:750;font-size:.82rem}.insurance-v3-list span:last-child{border-right:0}
.uses-v3{background:var(--dark);color:#fff;padding-block:7rem}
.section-intro-v3{display:grid;grid-template-columns:1.2fr .8fr;gap:6rem;align-items:end;margin-bottom:3rem}.section-intro-v3>p{font-size:1.12rem;color:#c5cec9;max-width:530px;margin-bottom:.7rem}.light-intro>p{color:var(--muted)}
.use-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#405048;border:1px solid #405048}
.use-grid article{background:var(--dark-soft);padding:2.3rem;min-height:300px;display:flex;flex-direction:column}.use-grid article>span{color:#d4ab5f;font-size:.72rem;font-weight:800}.use-grid h3{font-size:1.75rem;letter-spacing:-.03em;margin:2.6rem 0 1rem}.use-grid p{color:#c4cdc8}.use-grid small{margin-top:auto;color:#d4ab5f;text-transform:uppercase;letter-spacing:.08em;font-size:.67rem}
.applications-v3{padding-block:7rem}.app-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:1rem}.app-grid a{grid-column:span 2;min-height:275px;background:var(--white);border:1px solid var(--line);padding:1.7rem;color:inherit;text-decoration:none;display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}.app-grid a:nth-child(4){grid-column:2/span 2}.app-grid a:hover{transform:translateY(-4px);box-shadow:0 12px 30px rgba(16,23,18,.08)}.app-grid a>span{color:var(--accent);font-size:.72rem;font-weight:850}.app-grid h3{font-size:1.75rem;margin:2rem 0 .8rem}.app-grid p{color:var(--muted);font-size:.94rem}.app-grid b{margin-top:auto;font-size:.74rem;text-transform:uppercase;letter-spacing:.08em}.app-grid .call-card{background:#ece2c9;border-color:#d4bd88}
.method-v3{background:#e4dfd2;padding-block:7rem}.method-v3-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:7rem}.method-lede{font-size:1.12rem;color:var(--muted);max-width:450px}.method-v3 ol{list-style:none;margin:0;padding:0}.method-v3 li{display:grid;grid-template-columns:3rem 1fr;gap:1.2rem;border-top:1px solid #bdb8ab;padding:1.6rem 0}.method-v3 li:last-child{border-bottom:1px solid #bdb8ab}.method-v3 li>span{font-size:.72rem;font-weight:850;color:var(--accent);padding-top:.25rem}.method-v3 h3{font-size:1.22rem;margin-bottom:.35rem}.method-v3 li p{color:var(--muted);margin:0}
.evidence-v3{padding-block:7rem}.evidence-v3>div:first-child{max-width:900px}.evidence-v3-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);margin:3rem 0 2rem}.evidence-v3-grid article{background:var(--white);padding:2rem;min-height:190px}.evidence-v3-grid strong{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--accent)}.evidence-v3-grid p{color:var(--muted);margin-top:1.2rem}
.contact-v3{background:var(--accent);color:#fff;padding-block:6rem}.contact-v3-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:7rem;align-items:end}.contact-v3 .kicker{color:#f2bcb5}.contact-v3 h2{margin:0}.contact-v3-grid>div:last-child p{font-size:1.12rem}.white{background:#fff;color:#8d2e24}

/* Interior page families */
.page-hero{max-width:none!important;padding:6.5rem max(2rem,calc((100vw - var(--max))/2 + 2rem)) 5rem;background:#e7e1d3;border-bottom:0;position:relative}
.page-hero:after{content:"";position:absolute;bottom:0;left:max(2rem,calc((100vw - var(--max))/2 + 2rem));width:88px;height:3px;background:var(--accent)}
.page-hero h1{font-size:clamp(3.1rem,5.5vw,5.6rem);font-weight:760;line-height:.98;letter-spacing:-.06em;max-width:980px;margin:1rem 0 1.5rem}
.page-hero .lede{font-size:clamp(1.15rem,1.8vw,1.45rem);max-width:820px;color:#42453f}
.route-industries-insurance .page-hero{background:var(--dark);color:#fff}.route-industries-insurance .page-hero .eyebrow{color:#d4ab5f}.route-industries-insurance .page-hero .lede{color:#ced5d1}.route-industries-insurance .page-hero:after{background:var(--gold)}
.route-evidence .page-hero{background:var(--white)}
.route-contact .page-hero{background:#e9dfc8}.route-commercial-opportunity .page-hero,.route-commercial-opportunity-snapshot .page-hero,.route-commercial-opportunity-audit-intake .page-hero{background:#dfe5df}
.editorial-grid,.insurance-entry,.insurance-process{max-width:var(--max);margin-inline:auto;gap:6rem;padding-block:6.5rem}
.editorial-grid h2,.insurance-entry h2,.industry-feature h2,.process-intro h2{font-size:clamp(2.4rem,3.8vw,4rem);font-weight:760;line-height:1.03;letter-spacing:-.05em}
.editorial-grid:nth-of-type(even){background:transparent}.prose{font-size:1.08rem;line-height:1.7}.prose p{margin-bottom:1.35rem}
.editorial-grid.dark{max-width:none;padding-left:max(2rem,calc((100vw - var(--max))/2 + 2rem));padding-right:max(2rem,calc((100vw - var(--max))/2 + 2rem));background:var(--dark)}
.report-preview{max-width:var(--max);margin-inline:auto;padding:6.5rem 2rem;display:grid;grid-template-columns:minmax(280px,.72fr) minmax(520px,1.28fr);gap:5rem;align-items:start;background:#eee9dc}
.report-preview-copy{position:sticky;top:2rem}.report-preview-copy h2{font-size:clamp(2.4rem,3.8vw,4rem);font-weight:760;line-height:1.03;letter-spacing:-.05em;margin:1rem 0 1.5rem}.report-preview-copy>p:not(.index){font-size:1.05rem;line-height:1.65;color:var(--muted)}.report-preview-note{border-left:3px solid var(--accent);padding:.8rem 0 .8rem 1rem;font-size:.85rem!important;font-weight:750;color:var(--ink)!important}.report-preview-copy .text-link{margin-top:1rem}
.report-preview-gallery{min-width:0}.report-sample-pages{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem;align-items:start}.report-sample-pages figure{margin:0}.report-sample-pages img{display:block;width:100%;height:auto;background:#fff;border:1px solid #d0cbc0;box-shadow:0 18px 42px rgba(16,23,18,.12)}.report-sample-pages figcaption{margin-top:.7rem;font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.11em;color:var(--accent)}
.report-document-fan{position:relative;height:430px;max-width:560px;margin:4rem auto 0}.report-fan-page{position:absolute;left:50%;bottom:2.6rem;width:250px;height:auto;background:#fff;border:1px solid #d0cbc0;box-shadow:0 18px 38px rgba(16,23,18,.16);transform-origin:50% 100%}.report-fan-pilot{transform:translateX(-50%) rotate(-16deg) translateX(-58px)}.report-fan-value{transform:translateX(-50%) rotate(-7deg) translateX(-22px)}.report-fan-summary{transform:translateX(-50%) rotate(8deg) translateX(30px)}.report-fan-cover{transform:translateX(-50%) rotate(17deg) translateX(64px)}.report-document-fan>span{position:absolute;left:50%;bottom:0;transform:translateX(-50%);white-space:nowrap;font-size:.7rem;font-weight:850;text-transform:uppercase;letter-spacing:.12em;color:var(--accent)}
.industry-feature{max-width:var(--max);margin-inline:auto;background:transparent;padding-block:6.5rem}.industry-feature>p:not(.index){font-size:1.08rem}
.detail-grid{max-width:var(--max);margin-inline:auto;grid-template-columns:repeat(3,1fr);gap:1rem;background:transparent;padding:0 2rem 6.5rem}.detail-grid article{background:var(--white);border:1px solid var(--line);padding:2.4rem;min-height:300px}.detail-grid article:nth-child(2){background:#e9e3d4}.detail-grid h2{font-size:1.55rem;line-height:1.2}.detail-grid li{color:#4c5049}
.application-section{background:#ebe7dc}.application-list{max-width:var(--max);margin-inline:auto}.application-list>a{border:1px solid var(--line);border-bottom:0}.application-list>a:last-child{border-bottom:1px solid var(--line)}
.insurance-situations{max-width:var(--max);margin-inline:auto;padding-block:6.5rem}.situation-grid{gap:1rem;background:transparent}.situation-grid article,.situation-grid article:nth-child(2),.situation-grid article:nth-child(3){border:1px solid var(--line);background:var(--white);padding:2.6rem}.situation-grid article:nth-child(2),.situation-grid article:nth-child(5){background:#e9e3d4}.situation-grid h2{font-size:1.7rem;font-weight:750}
.insurance-process{background:#e4dfd2;max-width:none;padding-left:max(2rem,calc((100vw - var(--max))/2 + 2rem));padding-right:max(2rem,calc((100vw - var(--max))/2 + 2rem))}
.insurance-process h3{font-size:1.25rem;letter-spacing:-.025em}
.evidence-columns{max-width:var(--max);margin-inline:auto;gap:1rem;background:transparent;padding:6.5rem 2rem}.evidence-columns article,.evidence-columns .external{border:1px solid var(--line);background:var(--white)!important;padding:3rem}.evidence-columns h2{font-size:2rem;font-weight:760}
.demo{max-width:var(--max);margin-inline:auto;padding-block:6.5rem}.demo-response{border-left:0;border-top:3px solid var(--accent);background:var(--white)}
.contact-layout,.questionnaire-layout{max-width:var(--max);margin-inline:auto;gap:1rem;background:transparent;padding:6.5rem 2rem}.contact-form-panel,.questionnaire{background:transparent;padding:0 3rem 0 0}.contact-context,.questionnaire-context{border-top:3px solid var(--gold);background:var(--dark);color:#fff;padding:2.5rem}.contact-context h2,.questionnaire-context h2{font-size:2.4rem}.contact-context p,.contact-context li,.questionnaire-context p{color:#d6dcd8}
.contact-form input,.contact-form select,.contact-form textarea,.questionnaire input,.questionnaire select,.questionnaire textarea{background:var(--white);border-color:#bdb9ae;padding:1rem}.questionnaire legend{font-size:1.7rem;letter-spacing:-.035em}.questionnaire fieldset{padding-top:1.6rem}
.snapshot-result{max-width:var(--max);margin-inline:auto;background:transparent;padding:6.5rem 2rem}.result-figures{gap:1rem;background:transparent}.result-figures>div{border:1px solid var(--line)}.result-figures strong{font-size:2.5rem}
.contact-next,.policy{max-width:var(--max)}.contact-next h2,.policy h2{font-weight:750}.policy article{padding:2.2rem 0}.policy{background:var(--white);padding:5rem;max-width:980px;margin-block:5rem}
.closing{max-width:none!important;padding-left:max(2rem,calc((100vw - var(--max))/2 + 2rem));padding-right:max(2rem,calc((100vw - var(--max))/2 + 2rem));background:var(--accent)}
footer{font-size:.95rem}.footer-brand img{width:165px}

@media(max-width:900px){
  .hero-v3-grid{grid-template-columns:1fr;gap:3.5rem;padding-block:5rem}.opportunity-panel{max-width:620px}.signal-strip{grid-template-columns:1fr 1fr}.signal-strip div:nth-child(2){border-right:0}.signal-strip div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .snapshot-intro-v3,.insurance-v3,.section-intro-v3,.method-v3-grid,.contact-v3-grid{grid-template-columns:1fr;gap:2.5rem}.snapshot-intro-v3>div:last-child{padding-top:0}.insurance-v3-list{grid-template-columns:1fr 1fr}.use-grid{grid-template-columns:1fr}.app-grid{grid-template-columns:1fr 1fr}.app-grid a,.app-grid a:nth-child(4){grid-column:auto}
  .report-preview{grid-template-columns:1fr;gap:3.5rem}.report-preview-copy{position:static;max-width:680px}
  .founder-profile{grid-template-columns:minmax(240px,.7fr) 1.3fr;gap:3.5rem}.about-principles{grid-template-columns:1fr 1fr}.about-principles article:last-child{grid-column:1/-1}
}
@media(max-width:800px){
  .shell{width:min(100% - 40px,var(--max))}.site-header{height:76px}.site-header .brand img{width:150px}.site-header nav{top:105px}
  .hero-v3-grid{padding-block:4rem}.hero-v3 h1{font-size:clamp(3.1rem,14vw,4.6rem);max-width:10ch}.hero-v3-lede{font-size:1.08rem}.actions{align-items:flex-start;flex-direction:column}
  .signal-strip{width:100%;grid-template-columns:1fr}.signal-strip div{border-right:0;border-bottom:1px solid var(--line)!important}.signal-strip div:last-child{border-bottom:0!important}
  .snapshot-intro-v3,.insurance-v3,.uses-v3,.applications-v3,.method-v3,.evidence-v3{padding-block:4.5rem}.snapshot-intro-v3 h2{font-size:clamp(2.25rem,10vw,3.1rem)}.insurance-v3 h2,.section-intro-v3 h2,.method-v3 h2,.evidence-v3 h2,.contact-v3 h2{font-size:clamp(2.35rem,11vw,3.35rem)}.insurance-v3-list{grid-template-columns:1fr}.insurance-v3-list span{border-right:0;border-bottom:1px solid var(--line)}.insurance-v3-list span:last-child{border-bottom:0}.app-grid{grid-template-columns:1fr}.app-grid a{min-height:235px}.contact-v3{padding-block:4.5rem}
  .page-hero{padding:4.8rem 1.25rem 4rem}.page-hero:after{left:1.25rem}.page-hero h1{font-size:clamp(2.7rem,12vw,4rem)}
  .editorial-grid,.insurance-entry,.insurance-process,.industry-feature,.insurance-situations,.demo{padding-top:4.5rem;padding-bottom:4.5rem}.detail-grid,.evidence-columns{grid-template-columns:1fr;padding:0 1.25rem 4.5rem}.detail-grid article{min-height:0}.contact-layout,.questionnaire-layout{padding:4.5rem 1.25rem}.contact-form-panel,.questionnaire{padding:0}.contact-context,.questionnaire-context{padding:2rem 1.25rem}.policy{margin-block:0;padding:4rem 1.25rem}.closing{padding:4.8rem 1.25rem}
  .report-preview{padding:4.5rem 1.25rem}.report-sample-pages{gap:.65rem}.report-sample-pages figcaption{font-size:.64rem}.report-document-fan{height:315px;margin-top:3rem}.report-fan-page{width:180px;bottom:2.3rem}.report-fan-pilot{transform:translateX(-50%) rotate(-15deg) translateX(-38px)}.report-fan-value{transform:translateX(-50%) rotate(-6deg) translateX(-15px)}.report-fan-summary{transform:translateX(-50%) rotate(7deg) translateX(20px)}.report-fan-cover{transform:translateX(-50%) rotate(16deg) translateX(42px)}
  .founder-proof-body{grid-template-columns:150px 1fr;gap:1.25rem}.founder-proof-body>img{width:150px;height:188px}.founder-profile{padding:4.5rem 1.25rem;grid-template-columns:1fr;gap:2.5rem}.founder-profile figure img{max-width:420px}.about-principles{padding:0 1.25rem 4.5rem;grid-template-columns:1fr}.about-principles article,.about-principles article:last-child{grid-column:auto;min-height:0}
}