/* Insurance4u / Tarjeeh — original responsive website designs */
:root{font-synthesis:none;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;scroll-behavior:smooth;--ease:cubic-bezier(.21,.72,.22,1)}
*{box-sizing:border-box}html{scroll-padding-top:98px}body{margin:0;min-width:320px;color:var(--ink);background:var(--paper);font-family:var(--sans);line-height:1.62}img,svg{display:block}img{max-width:100%}a{color:inherit;text-decoration:none}button,input,textarea,select{font:inherit}button{cursor:pointer}button,a,input,textarea,select{-webkit-tap-highlight-color:transparent}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--focus);outline-offset:4px}.container{width:min(1250px,calc(100% - 76px));margin:auto}.icon{flex:0 0 auto}.skip-link{position:absolute;top:-100px;left:12px;z-index:10000;background:var(--accent);color:#071a2e;padding:10px 18px}.skip-link:focus{top:8px}.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:11px;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--accent2);line-height:1.4}.eyebrow:before{content:'';width:24px;height:1px;background:currentColor;opacity:.8}h1,h2,h3,p{margin:0}h1,h2,h3{line-height:1.06}h1,h2{font-family:var(--display);letter-spacing:-.038em}h2{font-size:clamp(2.35rem,4.3vw,4.85rem);font-weight:600}h3{font-size:1.32rem;letter-spacing:-.025em}p{color:var(--muted)}p+p{margin-top:1em}.btn{display:inline-flex;align-items:center;justify-content:center;gap:26px;padding:17px 22px;border:1px solid transparent;border-radius:var(--button-radius);font-size:13px;font-weight:800;letter-spacing:.02em;transition:transform .25s var(--ease),background .25s,color .25s,box-shadow .25s;white-space:nowrap;min-height:54px}.btn:hover{transform:translateY(-3px)}.btn-primary{background:var(--accent);color:var(--accent-ink);box-shadow:0 13px 30px color-mix(in srgb,var(--accent) 14%,transparent)}.btn-primary:hover{background:var(--accent-hover)}.btn-dark{background:var(--ink);color:var(--paper)}.btn .icon,.text-link .icon,.ghost-link .icon{transition:transform .25s}.btn:hover .icon,.text-link:hover .icon,.ghost-link:hover .icon{transform:translateX(5px)}.text-link,.ghost-link{display:inline-flex;align-items:center;gap:13px;min-height:44px;font-weight:800;font-size:13px;border-bottom:1px solid currentColor;transition:color .2s}.text-link:hover,.ghost-link:hover{color:var(--accent2)}.section{padding:118px 0}.section-intro{max-width:790px;margin-bottom:48px}.section-intro h2{margin-top:18px}.section-intro p{max-width:660px;font-size:16px;margin-top:21px}.head-with-action{display:flex;align-items:end;justify-content:space-between;gap:30px}.head-with-action .text-link{margin-bottom:50px}.photo-frame{display:block;position:relative;overflow:hidden;background:#b2bac4}.photo-frame img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s var(--ease)}.photo-frame:hover img{transform:scale(1.035)}.photo-frame img[loading="eager"]{animation:photo-arrive 1.3s var(--ease) both}@keyframes photo-arrive{from{transform:scale(1.07);opacity:.55}to{transform:scale(1);opacity:1}}
/* shared navigation, distinct versions adjust shape, color, position */
.site-topline{background:var(--topline);color:var(--topline-text);border-bottom:1px solid var(--line)}.topline-inner{display:flex;justify-content:space-between;align-items:center;gap:20px;height:33px;font-size:10.5px;font-weight:700;letter-spacing:.045em}.topline-inner>span{display:inline-flex;align-items:center;gap:9px}.site-header{position:relative;z-index:60;background:var(--header-bg);border-bottom:1px solid var(--header-line);box-shadow:0 4px 18px rgba(0,0,0,.018)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:106px}.brand-link{display:flex;flex:0 0 auto;align-items:center;width:151px;max-width:26vw;align-self:stretch}.brand-mark{display:block;width:100%;height:95px;object-fit:contain}.desktop-nav{display:flex;align-items:center;justify-content:center;gap:clamp(11px,1.65vw,28px);height:100%}.desktop-nav>a,.services-trigger{font-size:12.5px;font-weight:800;white-space:nowrap;color:var(--nav-ink);transition:color .2s}.desktop-nav>a:hover,.desktop-nav>a[aria-current],.services-trigger:hover{color:var(--accent2)}.nav-services{position:relative}.services-trigger{border:0;background:none;padding:20px 0;display:flex;align-items:center;gap:4px}.services-trigger[aria-expanded="true"] .icon{transform:rotate(180deg)}.services-dropdown{position:absolute;top:100%;left:50%;width:300px;transform:translateX(-50%);padding:17px;background:var(--dropdown-bg);color:var(--ink);box-shadow:0 24px 65px rgba(0,0,0,.18);border:1px solid var(--border);z-index:80;border-radius:13px}.services-dropdown[hidden]{display:none}.dropdown-head{font-size:10px;font-weight:850;letter-spacing:.13em;text-transform:uppercase;color:var(--accent2);padding:8px 11px 12px;border-bottom:1px solid var(--border);margin-bottom:7px}.services-dropdown>a{display:flex;align-items:center;justify-content:space-between;padding:12px 11px;font-weight:750;font-size:12.5px;border-radius:6px;line-height:1.3}.services-dropdown>a:hover{background:var(--hover-card)}.header-cta{display:flex;align-items:center;justify-content:center;gap:10px;white-space:nowrap;background:var(--cta-header-bg);color:var(--cta-header-color);padding:13px 15px;border-radius:var(--button-radius);font-size:12px;font-weight:850;min-width:132px;transition:transform .2s}.header-cta:hover{transform:translateY(-2px)}.header-cta svg{height:20px;width:20px}.menu-toggle{display:none;border:0;background:none;padding:13px;color:var(--nav-ink)}.menu-backdrop{position:fixed;inset:0;background:rgba(4,12,29,.55);z-index:90}.menu-backdrop[hidden]{display:none}.mobile-drawer{position:fixed;inset:0 auto 0 0;width:min(380px,86vw);height:100dvh;background:var(--dropdown-bg);z-index:100;transform:translateX(-105%);transition:transform .35s var(--ease);overflow-y:auto;padding:23px 23px 30px;box-shadow:20px 0 80px rgba(0,0,0,.2);color:var(--ink)}.mobile-drawer.open{transform:translateX(0)}.drawer-head{display:flex;justify-content:space-between;align-items:center;font-size:12px;letter-spacing:.11em;text-transform:uppercase;font-weight:850;color:var(--accent2);padding-bottom:21px;border-bottom:1px solid var(--border)}.drawer-close{display:grid;place-items:center;width:42px;height:42px;background:var(--hover-card);border:0;border-radius:7px;color:var(--ink)}.mobile-drawer>a,.mobile-services>summary{display:flex;justify-content:space-between;align-items:center;min-height:57px;font-size:15px;font-weight:750;border-bottom:1px solid var(--border);cursor:pointer;list-style:none}.mobile-services>summary::-webkit-details-marker{display:none}.mobile-services[open]>summary .icon{transform:rotate(180deg)}.mobile-services-links{padding:8px 0 13px 13px;background:var(--hover-card);border-radius:0 0 8px 8px}.mobile-services-links>a{min-height:47px;display:flex;align-items:center;justify-content:space-between;gap:14px;font-size:13px;font-weight:700;padding:8px 12px 8px 8px}.drawer-bottom{padding-top:26px}.drawer-bottom small{display:block;margin-bottom:15px;letter-spacing:.03em;color:var(--muted)}.drawer-bottom .btn{width:100%}.menu-open{overflow:hidden}
/* all home sections */
.mini-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.mini-card{padding:35px 30px 36px;border:1px solid var(--border);background:var(--card-bg);border-radius:var(--card-radius);min-height:305px;display:flex;flex-direction:column;transition:transform .35s,border-color .35s,box-shadow .35s;box-shadow:0 10px 25px rgba(0,0,0,.02)}.mini-card:hover{transform:translateY(-8px);box-shadow:0 20px 48px rgba(0,0,0,.055);border-color:var(--accent2)}.mini-card .number{color:var(--accent2);font-size:12px;font-weight:900;letter-spacing:.09em}.mini-card h3{margin-top:42px;max-width:270px;font-family:var(--display);font-weight:650;font-size:clamp(1.45rem,2.1vw,2rem)}.mini-card p{font-size:14px;line-height:1.7;margin-top:15px;max-width:320px}.mini-card .text-link{margin-top:auto;align-self:flex-start}.story-grid{display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:clamp(40px,7vw,115px)}.story-image{position:relative;min-height:520px}.story-image .photo-frame{height:550px;width:100%;border-radius:var(--image-radius)}.story-image-tag{position:absolute;right:-13px;bottom:23px;background:var(--accent);color:var(--accent-ink);font-size:10px;letter-spacing:.1em;font-weight:800;padding:16px 20px;max-width:260px}.story-copy h2{margin:22px 0 25px}.story-copy p{font-size:16px;line-height:1.88}.story-copy .text-link{margin-top:28px}.story-list{display:grid;gap:12px;margin-top:25px}.story-list>span{display:flex;gap:11px;align-items:center;font-size:13px;font-weight:700}.story-list .icon{color:var(--accent2)}.steps-line{display:grid;grid-template-columns:repeat(4,1fr);gap:0}.step{position:relative;border-top:1px solid var(--accent2);padding:29px 28px 10px 0;margin-right:20px}.step:before{content:'';position:absolute;top:-6px;left:0;width:10px;height:10px;border-radius:50%;background:var(--accent2)}.step-n{font-family:var(--display);font-size:48px;color:var(--accent2);line-height:1}.step h3{margin-top:25px;font-family:var(--display);font-size:23px}.step p{font-size:14px;line-height:1.7;margin-top:12px}.feature-grid{display:grid;grid-template-columns:.95fr 1.05fr;align-items:center;gap:5.5vw}.feature-copy{padding:66px 0}.feature-copy h2{margin:23px 0}.feature-copy p{font-size:17px;line-height:1.8;max-width:500px}.feature-copy .btn{margin-top:30px}.feature-image .photo-frame{height:520px;border-radius:var(--image-radius)}.faqs{background:var(--faq-bg)}.faq-layout{display:grid;grid-template-columns:.87fr 1.13fr;gap:clamp(42px,7vw,130px)}.faq-header .section-intro{margin-bottom:20px}.faq-header>p{font-size:14px;max-width:350px;margin-bottom:22px}.faq-item{border-bottom:1px solid var(--border)}.faq-item summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 0;font-size:17px;font-weight:750;cursor:pointer;line-height:1.35}.faq-item summary::-webkit-details-marker{display:none}.faq-item[open] summary .icon{transform:rotate(45deg)}.faq-item summary .icon{color:var(--accent2);transition:transform .2s}.faq-item>p{max-width:640px;padding:0 48px 23px 0;font-size:14px;line-height:1.8}.cta-panel{background:var(--cta-bg);border-radius:var(--card-radius);padding:clamp(35px,6.2vw,85px);text-align:center;position:relative;overflow:hidden;isolation:isolate}.cta-panel:before{content:'';position:absolute;border:1px solid rgba(255,255,255,.16);border-radius:50%;width:700px;height:700px;left:-480px;top:-320px;z-index:-1}.cta-panel .eyebrow{color:var(--cta-eyebrow)}.cta-panel .eyebrow:before{display:none}.cta-panel h2{color:var(--cta-ink);margin:19px auto 21px;max-width:870px}.cta-panel p{color:var(--cta-muted);margin:0 auto 27px}.cta-panel .btn{border:1px solid rgba(255,255,255,.15)}
/* inner pages */
.inner-hero{position:relative;overflow:hidden;padding:72px 0 85px}.inner-hero-grid{display:grid;grid-template-columns:.97fr 1.03fr;align-items:center;gap:clamp(30px,5vw,85px)}.inner-hero-copy h1{font-size:clamp(3rem,5vw,5.9rem);margin:21px 0}.inner-hero-copy p{font-size:17px;max-width:550px;line-height:1.85}.inner-hero-action{margin-top:30px}.inner-hero-image .photo-frame{height:485px;border-radius:var(--image-radius)}.value-band{background:var(--band-bg);color:var(--band-color);padding:27px 0}.value-band>.container{display:flex;justify-content:space-around;align-items:center;gap:20px}.value-band span{display:inline-flex;align-items:center;gap:13px;text-transform:uppercase;letter-spacing:.08em;font-size:11px;font-weight:850}.value-band svg{color:var(--accent2)}.service-feature{display:grid;grid-template-columns:1fr 1.06fr;min-height:525px;overflow:hidden;border-radius:var(--card-radius);background:var(--card-bg)}.service-feature-copy{padding:clamp(32px,5.5vw,80px);display:flex;flex-direction:column;align-items:flex-start;justify-content:center}.service-feature-copy h2{margin:20px 0}.service-feature-copy p{font-size:15px;line-height:1.8}.service-feature-copy p+p{margin-top:15px}.service-feature-copy .btn{margin-top:30px}.service-feature .photo-frame{height:100%;min-height:480px}.dual-visual{background:var(--faq-bg)}.dual-images{display:grid;grid-template-columns:1.13fr .87fr;gap:17px}.dual-images>.photo-frame{height:450px;border-radius:var(--image-radius)}.dual-images>.photo-frame:nth-child(2){margin-top:48px;height:400px}.dual-description{max-width:810px;margin:40px auto 0}.dual-description h2{margin:15px 0}.process-list{border-top:1px solid var(--border)}.process-item{display:grid;grid-template-columns:120px 1fr 95px;align-items:center;gap:35px;border-bottom:1px solid var(--border);padding:30px 0}.process-number{font-family:var(--display);font-size:65px;color:var(--accent2);font-weight:600}.process-item h3{font-family:var(--display);font-size:27px;margin-bottom:12px}.process-item p{font-size:15px;max-width:750px}.process-symbol{display:grid;place-items:center;border:1px solid var(--border);border-radius:50%;width:72px;height:72px;margin-left:auto;color:var(--accent2)}.contact-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(40px,7vw,115px);align-items:start}.enquiry-form{background:var(--card-bg);padding:clamp(27px,4vw,60px);border:1px solid var(--border);border-radius:var(--card-radius)}.form-head h2,.contact-info h2{font-size:clamp(2.1rem,3.6vw,3.4rem);margin:16px 0 14px}.form-head>p{font-size:14px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px 18px;margin-top:33px}.form-grid label{display:grid;gap:10px;font-size:12px;font-weight:850;line-height:1.4}.form-grid label>span{color:#ce5d38}.form-grid label small{font-size:11px;color:var(--muted);font-weight:500}.form-grid .full{grid-column:1/-1}.form-grid input,.form-grid select,.form-grid textarea{color:var(--ink);background:var(--input-bg);width:100%;border:1px solid var(--border);border-radius:var(--input-radius);padding:15px 16px;min-height:53px;font-size:13px;outline:none}.form-grid input:focus,.form-grid select:focus,.form-grid textarea:focus{border-color:var(--accent2);outline:2px solid color-mix(in srgb,var(--accent2) 23%,transparent)}.form-grid input::placeholder,.form-grid textarea::placeholder{color:#84898e}.privacy-note{font-size:12px;line-height:1.6;margin:20px 0}.form-status{min-height:20px;font-size:13px;margin-top:12px}.form-status.error{color:#bc4538}.contact-info{padding-top:25px}.contact-info h2{margin-bottom:31px}.contact-methods{display:grid;gap:25px}.contact-methods>div{display:flex;align-items:flex-start;gap:17px;border-bottom:1px solid var(--border);padding-bottom:20px}.contact-icon{display:grid;place-items:center;flex:0 0 46px;height:46px;background:var(--hover-card);border-radius:50%;color:var(--accent2)}.contact-methods>div>span:last-child{display:grid;gap:3px}.contact-methods b{font-size:12px;letter-spacing:.06em;text-transform:uppercase}.contact-methods a,.contact-methods span span{font-size:15px;overflow-wrap:anywhere}.contact-methods a:hover{color:var(--accent2)}.contact-note{margin-top:28px;background:var(--hover-card);padding:20px;font-size:14px;border-left:3px solid var(--accent2)}.contact-image-banner{height:420px;position:relative;overflow:hidden;border-radius:var(--card-radius)}.contact-image-banner .photo-frame{position:absolute;inset:0}.contact-image-banner:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,0,0,.65),transparent)}.contact-image-banner>div:last-child{position:absolute;z-index:2;color:white;left:5%;bottom:14%;max-width:580px}.contact-image-banner h2{margin-top:10px;color:white}
/* footer */
.site-footer{background:var(--footer-bg);color:var(--footer-ink);padding:70px 0 24px}.footer-grid{display:grid;grid-template-columns:1.6fr .72fr .72fr 1fr;gap:clamp(24px,4vw,72px)}.footer-brand>a{width:170px;display:block}.footer-brand .brand-mark{height:135px;width:170px;object-fit:contain}.footer-brand>p{margin-top:12px;font-size:14px;line-height:1.8;max-width:300px;color:var(--footer-muted)}.footer-col{display:flex;flex-direction:column;gap:11px;padding-top:22px}.footer-col h3{font-size:12px;letter-spacing:.16em;text-transform:uppercase;margin-bottom:12px;font-family:var(--sans)}.footer-col>a,.footer-col>p{font-size:12.5px;color:var(--footer-muted);line-height:1.75;overflow-wrap:anywhere}.footer-col a:hover,.footer-bottom a:hover{color:var(--accent)}.social-list{display:flex;gap:9px;margin-top:20px}.social-list a{display:grid;place-items:center;width:39px;height:39px;border:1px solid var(--footer-border);border-radius:50%;transition:transform .2s,background .2s}.social-list a:hover{transform:translateY(-3px);background:var(--accent);color:var(--accent-ink)}.footer-bottom{border-top:1px solid var(--footer-border);margin-top:58px;padding-top:22px;display:flex;justify-content:space-between;gap:20px}.footer-bottom small{font-size:11px;color:var(--footer-muted)}.floating-wa{position:fixed;right:24px;bottom:24px;z-index:65;display:flex;align-items:center;gap:10px;padding:8px 16px 8px 8px;border-radius:999px;background:#24c461;color:white;box-shadow:0 11px 30px rgba(18,119,68,.25);transition:transform .25s;line-height:1}.floating-wa:hover{transform:translateY(-4px)}.float-wa-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:#fff;color:#0a9b4a}.float-wa-icon svg{width:24px;height:24px}.float-wa-label{font-size:12px;font-weight:850}
/* motion */
.reveal{opacity:1;transform:none}.reveal.is-visible{animation:reveal-rise .75s var(--ease) both}@keyframes reveal-rise{from{opacity:.55;transform:translateY(18px)}to{opacity:1;transform:none}}.rotating-headline{transition:opacity .34s var(--ease),transform .34s var(--ease)}.rotating-headline.changing{opacity:.25;transform:translateY(10px)}.pulse-dot{display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 0 color-mix(in srgb,var(--accent) 50%,transparent);animation:pulse 2.8s infinite}@keyframes pulse{60%{box-shadow:0 0 0 12px transparent}}@keyframes marquee{to{transform:translateX(-50%)}}
/* V1 — premium midnight editorial / asymmetric hero */
.v1{--sans:Arial,Helvetica,sans-serif;--display:Georgia,'Times New Roman',serif;--paper:#f8f7f3;--ink:#10203a;--muted:#63717c;--accent:#e4b56f;--accent-hover:#f0c98c;--accent2:#b57e3c;--accent-ink:#11243c;--topline:#091a31;--topline-text:#d4deec;--header-bg:#091a31;--header-line:#26364b;--nav-ink:#f0f2f4;--cta-header-bg:#e4b56f;--cta-header-color:#091a31;--border:#dadfdc;--line:#2c3949;--dropdown-bg:#fffdfa;--hover-card:#f2eee7;--card-bg:#fff;--card-radius:4px;--button-radius:2px;--image-radius:3px;--faq-bg:#f0f0eb;--cta-bg:#0b203e;--cta-ink:#fff;--cta-muted:#b7c7db;--cta-eyebrow:#e4b56f;--band-bg:#0b203e;--band-color:white;--input-bg:white;--input-radius:3px;--footer-bg:#07182c;--footer-ink:#f2f0eb;--footer-muted:#acbac9;--footer-border:#26384c;--focus:#e4b56f}
.v1 .site-topline{border:0}.v1 .header-cta{border-radius:2px}.v1 .hero-v1{min-height:720px;height:min(80vh,845px);position:relative;background:#081831;color:white;overflow:hidden;display:flex;align-items:center}.v1 .hero-backdrop,.v1 .hero-backdrop .photo-frame{position:absolute;inset:0}.v1 .hero-backdrop .photo-frame img{object-position:center 58%}.v1 .hero-vignette{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,15,33,.99) 0%,rgba(5,17,35,.91) 35%,rgba(6,20,39,.48) 66%,rgba(7,19,40,.18) 100%),linear-gradient(0deg,rgba(4,15,32,.48),transparent 55%)}.v1 .hero-v1 .container{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between}.v1 .hero-copy{padding:65px 0;max-width:760px}.v1 .hero-eyebrow{font-size:10px;letter-spacing:.23em;font-weight:850;display:flex;align-items:center;gap:16px;color:#f4dbb1}.v1 .hero-copy h1{font-size:clamp(4.4rem,6.8vw,7.6rem);max-width:880px;font-weight:500;line-height:1.02;margin:29px 0;min-height:2.08em;text-wrap:balance}.v1 .hero-copy p{color:#d7dfeb;font-size:16px;line-height:1.85;max-width:540px}.hero-actions{display:flex;align-items:center;gap:25px;flex-wrap:wrap;margin-top:35px}.v1 .ghost-link{color:white;font-size:12px;border-color:rgba(255,255,255,.55)}.v1 .hero-stats{display:flex;flex-wrap:wrap;gap:24px;margin-top:67px}.v1 .hero-stats span{font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:750;padding-left:13px;border-left:2px solid #d8a85e;color:#dce1e9}.v1 .hero-side-note{align-self:stretch;display:flex;align-items:center;gap:21px;writing-mode:vertical-rl;transform:rotate(180deg);font-size:9px;letter-spacing:.2em;font-weight:800;color:#e7ded0;opacity:.8}.v1 .hero-side-note .side-line{height:130px;width:1px;background:#d6b17b}.v1 .hero-scroll{position:absolute;right:4%;bottom:28px;font-size:9px;letter-spacing:.16em;z-index:3;color:white}.v1 .overview .mini-card:nth-child(2){background:#102745;color:white}.v1 .overview .mini-card:nth-child(2) p{color:#c4d2df}.v1 .split-story{background:#eaeae4}.v1 .home-process{background:#fbf9f4}.v1 .full-bleed-feature{background:#0e223d;color:#fff}.v1 .full-bleed-feature p{color:#d4ddea}.v1 .full-bleed-feature .eyebrow{color:#e4b56f}.v1 .inner-hero-v1{background:#071c35;color:white}.v1 .inner-hero-copy p{color:#c2cfe0}.v1 .inner-hero-image .photo-frame{box-shadow:25px 25px 0 rgba(255,255,255,.075)}.v1 .inner-hero-v1 .eyebrow{color:#e4b56f}.v1 .footer-brand img{filter:none}
/* V2 — warm, expressive, human editorial */
.v2{--sans:'Trebuchet MS',Arial,sans-serif;--display:Georgia,'Times New Roman',serif;--paper:#fffaf1;--ink:#183d34;--muted:#67746a;--accent:#af4d30;--accent-hover:#9f4227;--accent2:#a64b2e;--accent-ink:#fff;--topline:#1d4a40;--topline-text:#fffdf7;--header-bg:#fffaf1;--header-line:#f0e6d6;--nav-ink:#183d34;--cta-header-bg:#1d4a40;--cta-header-color:#fff;--border:#e4dfd2;--line:#31594e;--dropdown-bg:#fffaf1;--hover-card:#eee9dc;--card-bg:#fffefb;--card-radius:26px;--button-radius:999px;--image-radius:160px 160px 20px 20px;--faq-bg:#f1ede3;--cta-bg:#1b4a3e;--cta-ink:#fff;--cta-muted:#dce8df;--cta-eyebrow:#facf87;--band-bg:#1d4a40;--band-color:#fff;--input-bg:#fffefb;--input-radius:12px;--footer-bg:#1b453b;--footer-ink:#fff;--footer-muted:#c4d5cd;--footer-border:#3a6257;--focus:#d57753}
.v2 .header-inner{min-height:114px}.v2 .desktop-nav>a[aria-current]{position:relative}.v2 .hero-v2{padding:70px 0 105px;overflow:hidden;background:#fffaf1}.v2-hero-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:clamp(30px,5vw,75px);align-items:center}.v2 .v2-hero-text{padding:20px 0 0}.v2 .v2-hero-text .eyebrow{font-size:12px;letter-spacing:.12em;text-transform:initial;color:#a64b2e}.v2 .v2-hero-text h1{font-size:clamp(4rem,5.4vw,6.45rem);font-weight:500;line-height:1.035;min-height:2.08em;margin:32px 0}.v2 .v2-hero-text>p{font-size:17px;max-width:520px;line-height:1.85}.v2 .hero-actions{margin-top:33px}.v2 .hero-bottomline{display:flex;gap:18px;align-items:center;margin-top:55px;font-size:12px;color:#546e61;line-height:1.7}.v2 .small-emblem{width:53px;height:53px;border-radius:50%;background:#dfdfc6;display:grid;place-items:center;color:#b65c3c}.v2 .hero-bottomline b{font-weight:800;color:#214b3e}.v2-hero-art{position:relative;min-height:645px}.v2 .main-portrait{height:610px;width:89%;margin-left:auto;border-radius:220px 220px 18px 18px;box-shadow:20px 22px 0 #e5d9c1;position:relative;z-index:1}.v2 .main-portrait img{object-position:center center}.v2 .offset-circle{position:absolute;border:1px solid #cfbda2;border-radius:50%;width:160px;height:160px;top:0;left:0;transform:translate(-20%,-15%)}.v2 .v2-hero-caption{position:absolute;z-index:2;left:0;bottom:30px;width:62%;background:#f0ddbe;border-radius:8px 45px 8px 8px;padding:22px 25px;box-shadow:0 16px 24px rgba(18,46,36,.11)}.v2-hero-caption>span{display:block;font-size:10px;font-weight:900;letter-spacing:.13em;color:#83401f;margin-bottom:8px}.v2-hero-caption strong{font-size:18px;line-height:1.35;font-family:Georgia,serif;font-weight:600}.v2 .v2-stamp{position:absolute;z-index:2;top:24px;right:-20px;border-radius:50%;background:#1d4a40;color:#fff;font-weight:850;font-size:11px;letter-spacing:.15em;height:104px;width:104px;display:flex;flex-direction:column;align-items:center;justify-content:center;transform:rotate(13deg)}.v2 .v2-stamp span{font-size:24px;line-height:1.1}.v2 .overview{background:#f3efe5}.v2 .overview .mini-card:nth-child(2){background:#e9e4d3}.v2 .split-story{background:#fffaf1}.v2 .home-process{background:#e7eddd}.v2 .step{border-color:#9da88d}.v2 .full-bleed-feature{background:#f1e8d6}.v2 .feature-image .photo-frame{border-radius:220px 220px 18px 18px}.v2 .inner-hero-v2{background:#ece9d9}.v2 .inner-hero-v2 .inner-hero-image .photo-frame{border-radius:260px 260px 24px 24px}.v2 .inner-caption{font-size:10px;font-weight:900;letter-spacing:.28em;text-align:center;margin-top:50px;color:#ab7151}.v2 .footer-brand img{filter:drop-shadow(0 0 1px rgba(255,255,255,.13))}.v2 .story-image-tag{border-radius:4px}
/* V3 — cobalt automotive / graphic energy / diagonal visual cuts */
.v3{--sans:Arial,Helvetica,sans-serif;--display:Arial,Helvetica,sans-serif;--paper:#f5f7fb;--ink:#0a1428;--muted:#596579;--accent:#d5f279;--accent-hover:#e5ff91;--accent2:#235deb;--accent-ink:#06172d;--topline:#07132d;--topline-text:#bdd2ed;--header-bg:#f5f7fb;--header-line:#dce4f3;--nav-ink:#10203e;--cta-header-bg:#154de5;--cta-header-color:white;--border:#d9e0ed;--line:#1c2e4c;--dropdown-bg:#fff;--hover-card:#e8eefc;--card-bg:#fff;--card-radius:0;--button-radius:4px;--image-radius:0;--faq-bg:#e9eef8;--cta-bg:#1243d6;--cta-ink:#fff;--cta-muted:#d5e0ff;--cta-eyebrow:#d5f279;--band-bg:#07132d;--band-color:#fff;--input-bg:white;--input-radius:4px;--footer-bg:#07132d;--footer-ink:#fff;--footer-muted:#b9c9dd;--footer-border:#2a3955;--focus:#d5f279}
.v3 h1,.v3 h2{font-weight:900;letter-spacing:-.055em}.v3 h3{font-weight:800}.v3 .header-inner{min-height:96px}.v3 .brand-mark{height:89px}.v3 .hero-v3{background:#0a1428;color:white;padding-top:55px;overflow:hidden}.v3-hero-top{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid rgba(255,255,255,.2);padding-bottom:23px}.v3 .hero-coordinate{font-size:10px;letter-spacing:.2em;font-weight:850;color:#d6e1ee}.v3 .hero-coordinate span{color:#d5f279}.v3 .hero-v3 .eyebrow{color:#d5f279}.v3 .hero-v3 h1{font-size:clamp(5rem,9.6vw,11.3rem);line-height:.9;max-width:1300px;min-height:1.9em;letter-spacing:-.071em;margin:43px 0 30px}.v3 .v3-heading-under{display:flex;justify-content:space-between;align-items:end;gap:25px;padding-bottom:36px}.v3 .v3-heading-under p{font-size:16px;color:#b6c5d5;max-width:500px}.v3 .v3-photo-zone{position:relative;height:clamp(420px,42vw,620px);overflow:hidden}.v3 .v3-wide-image{height:100%;width:100%}.v3 .v3-wide-image img{object-position:center 54%}.v3 .v3-photo-zone:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,rgba(3,12,31,.8),transparent 70%);pointer-events:none}.v3-car-overlay{position:absolute;z-index:2;bottom:0;left:0;right:0;background:#d5f279;color:#07132d;transform:skewY(-1.1deg);transform-origin:left bottom}.v3 .ticker{display:flex;justify-content:space-around;gap:45px;padding:18px 20px;font-size:12px;letter-spacing:.15em;font-weight:900;white-space:nowrap;overflow:hidden}.v3 .v3-image-label{position:absolute;z-index:2;top:30px;right:5%;font-size:10px;letter-spacing:.18em;font-weight:850;color:#fff}.v3 .overview{background:#eef2f9}.v3 .overview .mini-card:nth-child(2){background:#122c7a;color:white}.v3 .overview .mini-card:nth-child(2) p{color:#cbd6fc}.v3 .overview .mini-card:nth-child(2) .number{color:#d5f279}.v3 .split-story{background:#fff}.v3 .home-process{background:#0a1428;color:#fff}.v3 .home-process .section-intro .eyebrow{color:#d5f279}.v3 .home-process p{color:#bac8da}.v3 .home-process .step-n{color:#d5f279}.v3 .home-process .step{border-color:#5d78b1}.v3 .step:before{background:#d5f279}.v3 .full-bleed-feature{background:#dce7fb}.v3 .inner-hero-v3{background:#0a1428;color:white}.v3 .inner-hero-v3 .eyebrow{color:#d5f279}.v3 .inner-hero-v3 .inner-hero-copy p{color:#c2cfdf}.v3 .inner-hero-v3 .photo-frame{clip-path:polygon(14% 0,100% 0,100% 100%,0 100%)}.v3 .value-band svg{color:#d5f279}.v3 .mini-card .number{color:#1e50d7}.v3 .step-n{color:#204ddb}.v3 .cta-panel:before{width:800px;height:800px;left:auto;right:-580px;top:-420px}.v3 .footer-brand img{filter:drop-shadow(0 3px 2px rgba(0,0,0,.16))}
/* universal responsive */
@media (max-width:1199px){.container{width:min(1130px,calc(100% - 56px))}.desktop-nav{gap:13px}.desktop-nav>a,.services-trigger{font-size:11.5px}.header-cta{min-width:125px}.brand-link{width:135px}.v1 .hero-copy h1{font-size:clamp(4.2rem,6.7vw,6.2rem)}.v2 .v2-hero-text h1{font-size:clamp(3.4rem,5.5vw,5.3rem)}.v2-hero-art{min-height:570px}.v2 .main-portrait{height:545px}.v3 .hero-v3 h1{font-size:clamp(5rem,9vw,8.6rem)}}
@media(max-width:900px){.container{width:calc(100% - 48px)}.site-header .desktop-nav{display:none}.menu-toggle{display:grid;place-items:center;order:2;margin-left:0}.header-cta{order:3;margin-left:auto}.header-inner{justify-content:flex-start;gap:7px;min-height:88px}.brand-link{order:1;width:135px;max-width:none}.brand-mark{height:82px}.v2 .header-inner,.v3 .header-inner{min-height:88px}.topline-inner{font-size:9.5px}.section{padding:87px 0}.v1 .hero-v1{min-height:660px;height:auto}.v1 .hero-side-note{display:none}.v1 .hero-copy h1{max-width:700px}.v2-hero-grid{grid-template-columns:1fr 1fr;gap:24px}.v2 .v2-hero-text h1{font-size:clamp(3.2rem,5.7vw,4.5rem)}.v2-hero-art{min-height:500px}.v2 .main-portrait{height:460px}.v2 .v2-hero-caption{width:78%}.v2 .v2-stamp{right:0}.v3 .hero-v3 h1{font-size:9.5vw}.v3 .v3-photo-zone{height:480px}.story-grid{gap:30px}.story-image,.story-image .photo-frame{min-height:400px;height:430px}.feature-image .photo-frame{height:420px}.footer-grid{grid-template-columns:1.3fr 1fr 1fr;gap:25px}.footer-contact{grid-column:2/4}.service-feature-copy{padding:36px}.inner-hero-image .photo-frame{height:400px}}
@media(max-width:700px){.container{width:calc(100% - 36px)}.site-topline{display:none}.header-inner{min-height:76px}.v2 .header-inner,.v3 .header-inner{min-height:76px}.brand-link{width:106px}.brand-mark,.v3 .brand-mark{height:72px}.menu-toggle{width:42px;height:45px;padding:9px;order:2}.header-cta{min-width:0;padding:10px 12px;font-size:11px;gap:7px}.header-cta svg{height:17px;width:17px}.section{padding:75px 0}.section-intro{margin-bottom:32px}.section-intro h2{margin-top:14px}.section-intro p{font-size:14px}.eyebrow{font-size:10px}.head-with-action{display:block}.head-with-action .text-link{margin:-10px 0 29px}.mini-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.mini-card{min-height:240px;padding:23px 20px}.mini-card h3{margin-top:26px;font-size:1.35rem}.mini-card p{font-size:12.5px}.mini-card:nth-child(3){grid-column:span 2;min-height:200px}.mini-card:nth-child(3) h3{margin-top:22px}.story-grid,.faq-layout,.feature-grid,.inner-hero-grid,.contact-layout,.service-feature{grid-template-columns:1fr}.story-grid{gap:30px}.story-image,.story-image .photo-frame{height:390px;min-height:390px}.story-copy h2{margin-top:14px}.story-copy p{font-size:14px}.story-image-tag{right:0;font-size:9px}.steps-line{grid-template-columns:1fr 1fr;row-gap:32px}.step{padding-top:23px}.step-n{font-size:40px}.step h3{font-size:20px;margin-top:19px}.step p{font-size:12.5px}.feature-copy{padding:0}.feature-copy p{font-size:14px}.feature-image .photo-frame{height:370px}.faq-layout{gap:28px}.faq-header>.section-intro{margin-bottom:14px}.faq-item summary{font-size:14px;padding:20px 0}.cta-panel{padding:45px 24px}.cta-panel p{font-size:14px}.inner-hero{padding:50px 0 60px}.inner-hero-grid{gap:35px}.inner-hero-copy h1{font-size:clamp(3rem,9vw,4.4rem)}.inner-hero-copy p{font-size:14px}.inner-hero-image .photo-frame{height:320px}.value-band>.container{display:grid;grid-template-columns:1fr 1fr;gap:19px 12px}.value-band span{font-size:10px;letter-spacing:.03em}.service-feature .photo-frame{min-height:320px;height:340px}.service-feature-copy{padding:37px 28px}.dual-images{gap:11px}.dual-images>.photo-frame{height:300px}.dual-images>.photo-frame:nth-child(2){height:260px;margin-top:28px}.process-item{grid-template-columns:60px 1fr 47px;gap:10px}.process-number{font-size:38px}.process-item h3{font-size:19px}.process-item p{font-size:13px}.process-symbol{width:42px;height:42px}.process-symbol svg{width:22px;height:22px}.contact-layout{gap:45px}.contact-info{padding-top:0}.form-grid{gap:17px}.footer-grid{grid-template-columns:1fr 1fr;gap:23px}.footer-brand{grid-column:span 2}.footer-brand .brand-mark{height:120px}.footer-brand>p{font-size:12.5px}.footer-contact{grid-column:span 2}.footer-col{padding-top:0}.footer-bottom{margin-top:37px}.floating-wa{bottom:14px;right:13px;padding:7px 13px 7px 7px}.float-wa-icon{width:36px;height:36px}.float-wa-label{font-size:10.5px}.v1 .hero-v1{min-height:690px;align-items:flex-start}.v1 .hero-vignette{background:linear-gradient(90deg,rgba(4,16,34,.93),rgba(4,16,34,.71)),linear-gradient(0deg,rgba(4,16,34,.85),transparent)}.v1 .hero-copy{padding:73px 0}.v1 .hero-copy h1{font-size:clamp(3.45rem,10.2vw,5.9rem);min-height:2.2em;line-height:1.08;margin:24px 0}.v1 .hero-copy p{font-size:14px}.v1 .hero-stats{margin-top:46px;gap:13px}.v1 .hero-stats span{font-size:9px}.v1 .hero-scroll{display:none}.v2 .hero-v2{padding:52px 0 75px}.v2-hero-grid{grid-template-columns:1fr}.v2 .v2-hero-text h1{font-size:clamp(3.3rem,9.5vw,5rem);min-height:2.2em;margin:24px 0}.v2 .v2-hero-text>p{font-size:14px}.v2 .hero-bottomline{margin-top:28px}.v2-hero-art{min-height:450px;margin-top:45px}.v2 .main-portrait{height:425px;width:86%}.v2 .v2-hero-caption{bottom:0;width:65%;padding:15px}.v2-hero-caption strong{font-size:15px}.v2 .v2-stamp{height:84px;width:84px;font-size:9px}.v2 .inner-hero-v2 .inner-hero-image .photo-frame{height:360px}.v2 .inner-caption{margin-top:28px}.v3 .hero-v3{padding-top:33px}.v3 .v3-hero-top{padding-bottom:16px}.v3 .hero-coordinate{font-size:8px}.v3 .hero-v3 h1{font-size:clamp(3.55rem,11.5vw,6.5rem);line-height:.96;min-height:2.05em;margin:37px 0 25px;max-width:680px}.v3 .v3-heading-under{align-items:flex-start;flex-direction:column;gap:21px}.v3 .v3-heading-under p{font-size:14px}.v3 .v3-photo-zone{height:390px}.v3 .ticker{font-size:9px;padding:15px;gap:25px}.v3 .inner-hero-v3 .photo-frame{clip-path:none}.v3 .inner-hero-grid{gap:25px}}
@media(max-width:410px){.container{width:calc(100% - 30px)}.brand-link{width:100px}.header-cta{padding:10px 9px}.header-cta span{font-size:10px}.header-inner{gap:2px}.menu-toggle{width:38px}.mini-grid{gap:9px}.mini-card{padding:21px 16px}.mini-card h3{font-size:1.23rem}.mini-card p{font-size:12px}.btn{padding:14px 16px;gap:10px;font-size:12px;min-height:49px}.hero-actions{gap:12px}.v1 .hero-copy h1{font-size:3.2rem}.v1 .hero-stats{gap:12px}.v1 .hero-stats span{letter-spacing:.02em}.v2 .v2-hero-text h1{font-size:3.23rem}.v2 .v2-hero-caption{width:76%}.v3 .hero-v3 h1{font-size:3.44rem}.form-grid{grid-template-columns:1fr}.form-grid .full{grid-column:auto}.process-item{grid-template-columns:49px 1fr;gap:11px}.process-symbol{display:none}.footer-grid{gap:20px}.footer-col a,.footer-col p{font-size:11.5px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;animation:none!important;transition:none!important}.reveal{opacity:1!important;transform:none!important}.rotating-headline{opacity:1!important;transform:none!important}}

.v1 .overview .eyebrow,.v1 .split-story .eyebrow,.v1 .faqs .eyebrow,.v1 .closing-cta .eyebrow,.v1 .home-process .eyebrow{color:#90632e}.v1 .closing-cta .eyebrow{color:#e4b56f}

/* Patient automotive image motion, disabled by OS reduced-motion preferences. */
@keyframes hero-breathe{from{transform:scale(1.005)}to{transform:scale(1.075) translateX(-.8%)}}
@media(prefers-reduced-motion:no-preference){.v1 .hero-backdrop img,.v2 .main-portrait img,.v3 .v3-wide-image img{animation:hero-breathe 20s ease-in-out infinite alternate}}

.floating-wa.is-suppressed{opacity:0;pointer-events:none;transform:translateY(115px)}


/* New editorial photo notes: individual genuine photographic moments, compact enough for native resolution. */
.photo-notes{background:var(--paper);padding-top:72px;padding-bottom:86px}
.photo-notes-intro{max-width:800px;margin-bottom:32px}
.photo-notes-intro h2{font-family:var(--display,var(--sans));font-size:clamp(2rem,3.6vw,3.3rem);line-height:1.15;letter-spacing:-.04em;margin:14px 0 12px}
.photo-notes-intro>p{max-width:680px;opacity:1;color:var(--ink);font-size:14px}
.photo-notes-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}
.photo-note{display:flex;align-items:center;gap:23px;min-width:0;padding:18px;border:1px solid rgba(93,113,127,.22);border-radius:21px;background:var(--card,#fff);box-shadow:0 9px 28px rgba(14,32,49,.065)}
.photo-note-image{flex:0 0 170px;max-width:170px;height:190px;border-radius:12px;overflow:hidden;background:#e5ebec}
.photo-note-image picture,.photo-note-image img{width:100%;height:100%;display:block;object-fit:cover}
.photo-note h3{font-family:var(--display,var(--sans));font-size:clamp(1.1rem,1.7vw,1.45rem);line-height:1.23;letter-spacing:-.022em;margin:0 0 10px}
.photo-note p{font-size:13px;line-height:1.6;margin:0;opacity:1;color:#3e5260}
@media(max-width:900px){.photo-note{padding:12px;gap:15px}.photo-note-image{flex-basis:130px;max-width:130px;height:170px}}
@media(max-width:700px){.photo-notes{padding:60px 0}.photo-notes-grid{grid-template-columns:1fr;gap:12px}.photo-note{padding:12px;gap:14px;min-height:160px}.photo-note-image{flex:0 0 124px;max-width:124px;height:142px}.photo-note h3{font-size:1.15rem}.photo-note p{font-size:12px}}
@media(max-width:390px){.photo-note-image{flex-basis:106px;max-width:106px;height:129px}.photo-note{gap:12px}.photo-note h3{font-size:1.07rem}.photo-note p{font-size:11.5px}}
.v1 .photo-notes{background:#f1f2ed}.v2 .photo-notes{background:#f6f0e6}.v3 .photo-notes{background:#dce8fc}.v3 .photo-note{background:#fff}

/* 2026-11-15 photographic diversity overhaul: each image scene appears once; the
   supporting panels are real editable information, not repeated image placeholders. */
.context-ticker{background:var(--band-bg);color:var(--band-color);border-bottom:1px solid rgba(128,149,168,.2);position:relative;z-index:1}
.context-ticker-inner{display:grid;grid-template-columns:180px 1fr auto;align-items:center;gap:25px;padding:20px 0}
.context-ticker-inner>span{font-size:10px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--accent2)}
.context-ticker-inner>p{font-size:12px;line-height:1.65;max-width:740px;color:inherit}
.context-ticker-inner>p strong{color:inherit}
.context-ticker-inner>a{font-size:11px;font-weight:750;color:var(--accent2);white-space:nowrap;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:4px}
.editorial-insight{--insight-soft:rgba(128,149,168,.15);position:relative;display:flex;flex-direction:column;justify-content:center;min-width:0;min-height:480px;padding:clamp(25px,4.8vw,65px);border-radius:var(--image-radius,20px);border:1px solid var(--border);background:linear-gradient(145deg,var(--card-bg),var(--paper));box-shadow:0 18px 50px rgba(5,18,36,.06);overflow:hidden}
.editorial-insight:before{content:'';position:absolute;right:-85px;top:-80px;width:210px;height:210px;border:1px solid var(--border);border-radius:50%;pointer-events:none}
.editorial-insight:after{content:'';position:absolute;right:-25px;top:-25px;width:90px;height:90px;border-radius:50%;border:1px solid var(--border);pointer-events:none}
.insight-kicker{font-size:10px;letter-spacing:.19em;font-weight:850;color:var(--accent2);margin-bottom:18px}
.editorial-insight h3{font-family:var(--display);font-size:clamp(1.7rem,2.8vw,3.2rem);line-height:1.15;letter-spacing:-.035em;color:var(--ink);max-width:620px}
.editorial-insight>p{font-size:14px;line-height:1.75;color:var(--ink);opacity:.84;margin:16px 0 25px;max-width:580px}
.insight-rows{display:grid;gap:13px;border-top:1px solid var(--border);padding-top:20px}
.insight-row{display:grid;grid-template-columns:38px 1fr;align-items:start;gap:15px}
.insight-num{width:34px;height:34px;border-radius:50%;background:var(--accent);color:var(--accent-ink);display:grid;place-items:center;font-size:10px;font-weight:850}
.insight-row strong{font-size:13px;color:var(--ink)}
.insight-row p{font-size:12px;line-height:1.6;color:var(--ink);opacity:.8;margin-top:4px}
.editorial-insight>small{font-size:10px;margin-top:20px;color:var(--ink);opacity:.7;line-height:1.5}
.story-image .editorial-insight{height:550px}
.feature-image .editorial-insight{height:520px}
.service-feature>.editorial-insight{height:100%;border:0;border-radius:0;box-shadow:none;background:linear-gradient(145deg,var(--paper),var(--card-bg))}
.dual-images.as-advice{grid-template-columns:1fr 1fr;gap:18px}
.dual-images.as-advice .editorial-insight{min-height:430px;padding:clamp(24px,3vw,48px)}
.dual-images.as-advice .editorial-insight:nth-child(2){margin-top:44px}
.dual-images.as-advice .editorial-insight h3{font-size:clamp(1.6rem,2.3vw,2.7rem)}
.contact-image-banner.no-photo-banner{background:radial-gradient(circle at 80% 20%,rgba(243,190,85,.25),transparent 40%),linear-gradient(115deg,#071a32,#1e3b55 75%,#325f65)}
.contact-image-banner.no-photo-banner:before{content:'INSURANCE4U  /  UAE CAR INSURANCE';position:absolute;right:5%;top:12%;font-size:clamp(20px,3vw,48px);max-width:320px;line-height:1.25;font-family:var(--display);letter-spacing:.03em;color:rgba(255,255,255,.16);font-weight:850;text-align:right}
.contact-image-banner.no-photo-banner:after{background:linear-gradient(90deg,rgba(0,0,0,.45),transparent)}
.inner-hero-image.is-small-photo{display:grid;place-items:center;min-width:0}
.micro-hero-photo{width:100%;min-height:480px;border-radius:var(--image-radius,24px);padding:clamp(23px,3.5vw,48px);background:linear-gradient(135deg,var(--card-bg),var(--paper));border:1px solid var(--border);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:18px;position:relative;overflow:hidden}
.micro-hero-photo:before{content:'';width:280px;height:280px;border:1px solid var(--border);border-radius:50%;position:absolute;top:-125px;right:-140px;pointer-events:none}
.micro-hero-frame{position:relative;width:min(100%,320px);height:305px;border-radius:16px;overflow:hidden;box-shadow:0 16px 44px rgba(8,21,40,.19)}
.micro-hero-frame picture,.micro-hero-frame img{display:block;width:100%;height:100%;object-fit:cover}
.micro-hero-label{font-size:10px;color:var(--accent2);font-weight:800;letter-spacing:.13em;text-align:center}
.micro-hero-photo p{font-size:12px;text-align:center;line-height:1.5;opacity:.8;max-width:320px;color:var(--ink)}
.photo-note.text-only-note{background:linear-gradient(135deg,var(--card-bg),var(--paper));padding:clamp(26px,3vw,45px)}
.photo-note.text-only-note h3{margin:12px 0}
.photo-note.text-only-note p{font-size:13px;line-height:1.7}
@media(max-width:1050px){.context-ticker-inner{grid-template-columns:1fr auto;gap:12px}.context-ticker-inner>span{grid-column:1/-1}}
@media(max-width:900px){.editorial-insight{min-height:410px}.story-image .editorial-insight{height:auto;min-height:410px}.feature-image .editorial-insight{height:auto;min-height:410px}.dual-images.as-advice .editorial-insight:nth-child(2){margin-top:0}.service-feature>.editorial-insight{min-height:410px}.micro-hero-photo{min-height:415px}.inner-hero-image.is-small-photo{width:100%}}
@media(max-width:700px){.context-ticker-inner{display:flex;align-items:flex-start;flex-direction:column;padding:15px 0;gap:8px}.context-ticker-inner>a{white-space:normal}.editorial-insight{min-height:355px;padding:26px 21px}.editorial-insight h3{font-size:clamp(1.65rem,6vw,2.45rem)}.editorial-insight>p{font-size:13px}.insight-row{grid-template-columns:34px 1fr}.dual-images.as-advice{grid-template-columns:1fr}.micro-hero-photo{min-height:380px;padding:22px 14px}.micro-hero-frame{width:min(100%,290px);height:260px}.photo-notes-grid{grid-template-columns:1fr}.photo-note{gap:13px;padding:13px}.photo-note-image{flex-basis:120px;height:148px}.photo-note h3{font-size:1.02rem}}
@media(prefers-reduced-motion:reduce){.editorial-insight,.micro-hero-photo{animation:none!important;transition:none!important}}

/* --------------------------------------------------------------------------
   INSURANCE4U — RICH CONTENT / UNIQUE PHOTO EDITORIAL SYSTEM (NOV 2026)
   All headings/copy remain accessible HTML. Photographs are real image assets.
   These are three layouts, not one recoloured homepage.
   -------------------------------------------------------------------------- */
.enrich-section{position:relative;padding:clamp(76px,8.2vw,126px) 0;overflow:hidden;isolation:isolate}
.enrich-section .container{position:relative;z-index:1}
.enrich-eyebrow{display:inline-block;text-transform:uppercase;color:var(--accent2);font-weight:850;font-size:11px;letter-spacing:.17em;line-height:1.5;margin-bottom:17px}
.enrich-section h2{font-family:var(--display);font-size:clamp(2.2rem,4.1vw,4.75rem);line-height:1.08;letter-spacing:-.05em;max-width:850px;font-weight:650}
.enrich-section p{line-height:1.78;font-size:clamp(14px,1.2vw,16px)}
.enrich-head{max-width:950px;margin-bottom:44px}
.enrich-head>p{font-size:16px;line-height:1.78;max-width:750px;margin-top:19px}
.enrich-story-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:clamp(35px,5vw,84px);align-items:center}
.enrich-story-visual{position:relative;min-width:0}
.enriched-photo{display:block;position:relative;overflow:hidden;border-radius:var(--image-radius,19px);box-shadow:0 22px 68px rgba(12,26,36,.18);background:#d9ddd9;aspect-ratio:1.35/1}
.enriched-photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:center;transition:transform .9s var(--ease)}
.enrich-story-visual:hover .enriched-photo img{transform:scale(1.03)}
.enrich-story-content{min-width:0}
.enrich-story-content h2{margin:0 0 25px}
.enrich-story-content>p{max-width:610px}
.enrich-story-content .enrich-visual-disclaimer{font-size:11px;margin-top:23px;color:var(--muted);opacity:.82;line-height:1.55}
.photo-caption{position:absolute;left:clamp(12px,3.1vw,35px);bottom:-20px;max-width:min(320px,75%);padding:16px 20px;background:var(--accent);color:var(--accent-ink);border-radius:var(--button-radius,8px);box-shadow:0 16px 33px rgba(0,0,0,.16)}
.photo-caption span{font-size:9px;letter-spacing:.16em;font-weight:900;display:block;margin-bottom:5px}
.photo-caption strong{font-size:15px;line-height:1.3;font-weight:800;display:block}
.enrich-checklist{list-style:none;margin:24px 0;padding:0;display:grid;gap:13px}
.enrich-checklist li{position:relative;padding-left:33px;font-weight:700;font-size:14px;line-height:1.5}
.enrich-checklist li:before{content:'✓';position:absolute;left:0;top:0;width:22px;height:22px;border:1px solid currentColor;border-radius:100%;display:grid;place-items:center;font-size:11px;color:var(--accent2)}
.enrich-link{display:inline-flex;align-items:center;justify-content:space-between;gap:18px;max-width:100%;min-height:44px;font-size:13px;font-weight:850;border-bottom:2px solid var(--accent2);color:var(--ink);margin-top:15px;transition:gap .2s ease,color .2s ease}
.enrich-link:hover{gap:27px;color:var(--accent2)}
.enrich-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}
.enrich-card{position:relative;min-width:0;background:var(--card-bg);border:1px solid var(--border);border-radius:var(--card-radius);padding:clamp(23px,2.8vw,37px);min-height:260px;transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .4s var(--ease)}
.enrich-card:hover{transform:translateY(-5px);box-shadow:0 22px 44px rgba(14,26,44,.09);border-color:var(--accent2)}
.enrich-counter{display:inline-grid;place-items:center;height:41px;min-width:41px;border-radius:50%;background:var(--accent);color:var(--accent-ink);font-size:12px;font-weight:900;letter-spacing:.04em}
.enrich-card h3{font-family:var(--display);font-size:clamp(1.35rem,1.9vw,2.1rem);line-height:1.18;margin:29px 0 14px;font-weight:700}
.enrich-card p{font-size:13.5px;line-height:1.74;max-width:370px}
.enrich-comparison .comparison-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:clamp(30px,6vw,98px);align-items:center}
.comparison-copy h2{margin-bottom:23px}
.comparison-copy>p{max-width:580px}
.comparison-copy>p+p{margin-top:14px}
.comparison-panel{background:var(--card-bg);color:var(--ink);border:1px solid var(--border);border-radius:var(--image-radius,16px);overflow:hidden;box-shadow:0 30px 70px rgba(6,21,43,.14)}
.comparison-panel-head{padding:24px 29px;display:flex;justify-content:space-between;align-items:center;gap:15px;background:var(--accent);color:var(--accent-ink);font-size:12px;font-weight:800}
.panel-pin{font-size:10px;letter-spacing:.13em}
.comparison-rows>div{display:grid;grid-template-columns:145px 1fr;align-items:start;gap:25px;border-bottom:1px solid var(--border);padding:23px 29px}
.comparison-rows b{color:var(--ink);font-size:14px;line-height:1.5}
.comparison-rows span{color:var(--muted);font-size:13px;line-height:1.65}
.comparison-panel>small{display:block;padding:17px 29px 22px;line-height:1.55;font-size:11px;color:var(--muted)}
.interior-explainer{padding-top:clamp(65px,7vw,110px);padding-bottom:clamp(65px,7vw,110px)}
.interior-explainer .enrich-card{min-height:230px}
.aside-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:clamp(30px,6vw,110px);align-items:center}
.aside-visual{min-height:380px;position:relative;display:flex;flex-direction:column;justify-content:center;overflow:hidden;background:#102940;color:#e8f6ff;padding:clamp(25px,4vw,55px);border-radius:var(--image-radius,19px)}
.aside-visual:before{content:'';position:absolute;right:-90px;bottom:-110px;width:370px;height:370px;border:1px solid rgba(255,255,255,.25);border-radius:50%}
.aside-visual:after{content:'';position:absolute;right:15px;bottom:10px;width:225px;height:225px;border:1px solid rgba(255,255,255,.1);border-radius:50%}
.aside-visual>span{letter-spacing:.2em;font-size:11px;font-weight:850;opacity:.9}
.aside-large{font-family:var(--display);font-size:clamp(6rem,10.8vw,12rem);line-height:1;letter-spacing:-.09em;font-weight:800;color:#f3c879;margin:22px 0 12px}
.aside-large .slash{font-weight:300;color:#fff;opacity:.45}
.aside-visual>strong{font-size:14px;letter-spacing:.08em}
.aside-visual>small{font-size:11px;margin-top:12px;opacity:.85;letter-spacing:.02em}
.aside-text h2{margin-bottom:23px}
.aside-text p{max-width:650px}
.aside-text blockquote{border-left:3px solid var(--accent2);padding:7px 0 7px 20px;color:var(--ink);font-family:var(--display);font-size:clamp(1.25rem,1.8vw,1.85rem);font-weight:650;line-height:1.35;margin:24px 0}
.headline-controls{display:flex;align-items:center;gap:15px;margin:10px 0 0;max-width:430px;color:inherit;min-height:37px}
.headline-caption{font-size:9px;line-height:1.2;letter-spacing:.12em;font-weight:900;opacity:.74;white-space:nowrap}
.headline-bars{display:inline-flex;align-items:center;gap:5px;flex:1;max-width:100px}
.headline-bars i{position:relative;display:block;min-width:22px;height:3px;background:currentColor;opacity:.28;flex:1;border-radius:3px;overflow:hidden}
.headline-bars i.active{opacity:1;background:var(--accent)}
.headline-bars i.active:after{content:'';position:absolute;inset:0;background:#fff;opacity:.35;transform-origin:left;animation:head-progress 6.2s linear infinite}
@keyframes head-progress{from{transform:scaleX(0)}to{transform:scaleX(1)}}
.headline-pause{background:transparent;border:1px solid currentColor;border-radius:99px;color:inherit;padding:7px 12px;font-size:10px;line-height:1.2;font-weight:800;min-height:32px}
.headline-pause:hover{background:rgba(127,127,127,.1)}
.headline-controls.is-paused .headline-bars i.active:after{animation-play-state:paused}
/* V1 — warm ivory + gold editorial / spacious split and dark contrast bands */
.v1 .enrich-story{background:#081b31;color:#fff}
.v1 .enrich-story .enrich-story-content>p,.v1 .enrich-story .enrich-story-content h2,.v1 .enrich-story .enrich-link{color:#f9f5e9}
.v1 .enrich-story .enrich-story-content .enrich-visual-disclaimer{color:#c4d3e4}
.v1 .enrich-story .enrich-eyebrow,.v1 .enrich-story .enrich-checklist li:before{color:#f3c779}
.v1 .enrich-story .enriched-photo{border-radius:210px 210px 20px 20px;box-shadow:26px 26px 0 rgba(237,195,117,.16)}
.v1 .enrich-overview{background:#f1f2ed}
.v1 .enrich-overview .enrich-card{border-top:4px solid #b08c51}
.v1 .enrich-comparison{background:#e3e8eb}
.v1 .interior-explainer{background:#f1f2ed}
.v1 .enrich-aside{background:#fff}
.v1 .aside-visual{background:#10243b}
/* V2 — calm editorial print, warm cream and asymmetric photography */
.v2 .enrich-story{background:#f6f0e6}
.v2 .enrich-story-grid{grid-template-columns:1.02fr .98fr}
.v2 .enrich-story-content{order:1}
.v2 .enrich-story-visual{order:2}
.v2 .enrich-story .enriched-photo{border-radius:180px 180px 11px 11px;transform:rotate(-1.25deg)}
.v2 .photo-caption{right:-10px;left:auto;bottom:6px;max-width:260px;transform:rotate(1.25deg)}
.v2 .enrich-overview{background:#fffaf4}
.v2 .enrich-card{box-shadow:12px 12px 0 rgba(26,84,62,.05);border-radius:7px}
.v2 .enrich-card h3{font-weight:550}
.v2 .enrich-comparison{background:#dae4d9}
.v2 .comparison-panel{border-radius:4px}
.v2 .interior-explainer{background:#f6f0e6}
.v2 .enrich-aside{background:#fcf8f0}
.v2 .aside-visual{background:#154e3e}
/* V3 — electric blue, graphic-led type + sharp-cornered image composition */
.v3 .enrich-story{background:#132f9f;color:#fff}
.v3 .enrich-story-grid{grid-template-columns:1fr 1fr}
.v3 .enrich-story h2,.v3 .enrich-story p,.v3 .enrich-story .enrich-link{color:#fff}
.v3 .enrich-story .enrich-eyebrow,.v3 .enrich-story .enrich-checklist li:before{color:#e4ff62}
.v3 .enrich-story .enriched-photo{border-radius:0 120px 0 0;border:7px solid #e3fa5e;aspect-ratio:1.08/1}
.v3 .enrich-story .enrich-visual-disclaimer{color:#d5e5f7}
.v3 .enrich-story .enrich-link{border-color:#e4ff62}
.v3 .photo-caption{background:#e2fc60;color:#11214a;border-radius:0}
.v3 .enrich-overview{background:#e4ecff}
.v3 .enrich-overview .enrich-card{border-radius:0 36px 0 0;border:2px solid #2554c4}
.v3 .enrich-comparison{background:#fff}
.v3 .comparison-panel{border-radius:0 28px 0 0;border-color:#1c54bc}
.v3 .interior-explainer{background:#dae8ff}
.v3 .interior-explainer .enrich-card{border-radius:0 24px 0 0}
.v3 .enrich-aside{background:#f4f8ff}
.v3 .aside-visual{background:#1438bd;color:#fff;border-radius:0 100px 0 0}
.v3 .aside-large{color:#e3f865}
/* Three breakpoints; no horizontal overflow or visual collisions */
@media(max-width:1080px){.enrich-section{padding:76px 0}.enrich-story-grid,.v2 .enrich-story-grid,.v3 .enrich-story-grid{gap:34px}.comparison-rows>div{grid-template-columns:115px 1fr;padding:18px 22px;gap:13px}.enrich-cards{gap:12px}.enrich-card{padding:23px;min-height:250px}}
@media(max-width:850px){.enrich-story-grid,.v2 .enrich-story-grid,.v3 .enrich-story-grid,.enrich-comparison .comparison-grid,.aside-grid{grid-template-columns:1fr;gap:36px}.enrich-story-visual{max-width:730px}.v2 .enrich-story-content,.v2 .enrich-story-visual{order:unset}.enrich-story-content h2,.enrich-section h2{max-width:700px}.enrich-cards{grid-template-columns:repeat(2,minmax(0,1fr))}.aside-visual{min-height:300px}.enrich-story .enriched-photo{aspect-ratio:1.55/1}.v3 .enrich-story .enriched-photo{aspect-ratio:1.55/1}}
@media(max-width:600px){.enrich-section{padding:65px 0}.enrich-story-grid,.v2 .enrich-story-grid,.v3 .enrich-story-grid{gap:46px}.enrich-section h2{font-size:clamp(2.02rem,9vw,3.5rem)}.enrich-head{margin-bottom:27px}.enrich-head>p{font-size:14px}.enrich-story .enriched-photo{aspect-ratio:1.32/1}.v3 .enrich-story .enriched-photo{aspect-ratio:1.32/1;border-width:4px;border-top-right-radius:62px}.v1 .enrich-story .enriched-photo,.v2 .enrich-story .enriched-photo{border-top-left-radius:120px;border-top-right-radius:120px}.photo-caption{bottom:-28px;padding:12px 15px;max-width:77%}.photo-caption strong{font-size:12px}.enrich-story-content h2{margin-bottom:14px}.enrich-checklist{margin:17px 0;gap:11px}.enrich-checklist li{font-size:13px}.enrich-cards{grid-template-columns:1fr;gap:12px}.enrich-card{min-height:unset;padding:23px 24px}.enrich-card h3{margin:15px 0 10px;font-size:1.6rem}.enrich-card p{font-size:13px}.comparison-rows>div{grid-template-columns:1fr;gap:6px;padding:15px 21px}.comparison-panel-head{padding:17px 20px;display:grid;gap:2px}.comparison-panel>small{padding:15px 21px;font-size:10px}.aside-visual{min-height:260px;padding:26px}.aside-large{font-size:6.5rem}.aside-text blockquote{font-size:1.38rem}.headline-controls{max-width:100%;gap:10px}.headline-caption{font-size:8px}.headline-pause{padding:7px 10px}.enrich-link{font-size:12px}}
@media(prefers-reduced-motion:reduce){.headline-bars i.active:after{animation:none!important}.enriched-photo img{transition:none!important}}
/* A second unique photographic story on each homepage, paired with substantive policy education. */
.visual-brief{background:var(--paper)}.visual-brief-grid{display:grid;grid-template-columns:.91fr 1.09fr;align-items:center;gap:clamp(32px,5vw,90px)}
.visual-brief-content{max-width:680px}.visual-brief-content h2{margin-bottom:22px}.visual-brief-content>p{font-size:16px}
.visual-brief-note{font-size:11px;line-height:1.65;max-width:570px;margin:22px 0 5px;padding:14px 17px;border-left:3px solid var(--accent2);background:var(--card-bg);color:var(--muted)}
.visual-brief-photo{position:relative;min-width:0}.visual-brief-photo .enriched-photo{aspect-ratio:1.37/1;box-shadow:0 20px 60px rgba(5,18,40,.14)}
.visual-photo-index{position:absolute;right:16px;bottom:15px;background:rgba(7,18,32,.83);color:#fff;letter-spacing:.15em;font-size:10px;font-weight:900;padding:10px 14px;border-radius:4px}
.v1 .visual-brief{background:#f9f5ec}.v1 .visual-brief-photo{transform:translateY(10px)}
.v2 .visual-brief{background:#f1eee6}.v2 .visual-brief .enriched-photo{border-radius:60% 10px 10px 10px}
.v3 .visual-brief{background:#e3f2ff}.v3 .visual-brief .enriched-photo{border-radius:0 60px 0 0;border:6px solid #254ec2}
@media(max-width:850px){.visual-brief-grid{grid-template-columns:1fr;gap:35px}.visual-brief-content{order:2}.visual-brief-photo{order:1}.visual-brief .enriched-photo{aspect-ratio:1.55/1}}
@media(max-width:600px){.visual-brief .enriched-photo{aspect-ratio:1.34/1}.visual-brief-content>p{font-size:14px}.visual-brief-note{font-size:10px}.visual-photo-index{right:7px;bottom:7px;font-size:9px}}
/* Compact mobile WhatsApp icon; JS hides it as relevant calls-to-action/content enter view. */
@media(max-width:700px){.floating-wa{width:52px;height:52px;padding:5px;display:grid;place-items:center;bottom:15px;right:12px;box-shadow:0 8px 20px rgba(12,93,54,.21)}.float-wa-icon{width:41px;height:41px}.float-wa-icon svg{width:25px;height:25px}.float-wa-label{display:none}}
/* Small contact-sheet legacy originals are never upscaled into large imagery. */
.micro-hero-photo{gap:12px;min-height:440px}.micro-hero-frame{max-width:195px;height:185px}.micro-topic-pills{width:100%;max-width:360px;display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-top:12px}.micro-topic-pills span{border:1px solid var(--border);background:var(--paper);color:var(--ink);border-radius:99px;padding:7px 11px;font-size:10px;font-weight:700;line-height:1.2}
@media(max-width:700px){.micro-hero-photo{min-height:330px}.micro-hero-frame{max-width:172px;height:156px}}