/* Susanto Insurance Agency — custom responsive design system */
:root{--navy:#092f3e;--deep:#072634;--ocean:#0a5965;--teal:#078c97;--mint:#e9f6f3;--cream:#f8f7f2;--gold:#eac393;--gold-dark:#ce9b61;--ink:#152f3a;--muted:#63747a;--line:#e2e9e8;--white:#fff;--radius:18px;--shadow:0 22px 55px rgba(8,47,59,.085)}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;color:var(--ink);font-family:Inter,"Aptos","Segoe UI",Arial,sans-serif;font-size:16px;line-height:1.65;background:#fff;-webkit-font-smoothing:antialiased}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3{line-height:1.13;letter-spacing:-.041em}h1{font-size:clamp(3rem,5.45vw,5.55rem)}h2{font-size:clamp(2.12rem,3.65vw,3.65rem)}h3{font-size:1.23rem;letter-spacing:-.025em}p{color:var(--muted)}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button{cursor:pointer}img,svg{max-width:100%}img{display:block}.icon{flex:none;vertical-align:middle}.container{width:min(1200px,calc(100% - 76px));margin:auto}.section{padding:110px 0}.eyebrow{display:inline-block;font-size:11px;letter-spacing:.175em;font-weight:800;color:var(--teal);line-height:1.45}.eyebrow.light{color:var(--gold)}.skip-link{position:absolute;top:-60px;left:12px;padding:10px 16px;background:white;color:var(--ink);z-index:999}.skip-link:focus{top:5px}:focus-visible{outline:3px solid #d9a667;outline-offset:4px}
/* Header */
.utility-bar{background:var(--deep);color:#c7dce0;font-size:11px;font-weight:600;letter-spacing:.015em}.utility-inner{min-height:35px;display:flex;align-items:center;justify-content:space-between;gap:20px}.utility-inner>span,.utility-inner a{display:flex;align-items:center;gap:8px}.utility-inner a:hover{color:white}.utility-dash{color:#5f8590;margin:0 6px}.site-header{z-index:50;position:relative;background:rgba(255,255,255,.985);box-shadow:0 1px 0 #ecf0ef}.header-inner{height:91px;display:flex;align-items:center;justify-content:space-between;gap:23px}.brand{display:flex;align-items:center;gap:8px;flex-shrink:0}.brand img{height:55px;width:55px;object-fit:contain}.brand-text{display:flex;flex-direction:column;line-height:1;gap:5px;letter-spacing:.08em;white-space:nowrap}.brand strong{font-size:23px;letter-spacing:.075em;font-weight:850;color:#123947}.brand small{font-size:8.2px;letter-spacing:.24em;font-weight:800;color:#60838b}.desktop-nav{margin-left:auto}.desktop-nav>ul{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}.desktop-nav .nav-item{display:flex;align-items:center;white-space:nowrap;gap:3px;padding:21px 10px;font-size:12.5px;font-weight:750;color:#304955;transition:color .2s}.desktop-nav .nav-item:hover,.desktop-nav .nav-item.is-active{color:var(--teal)}.has-dropdown{position:relative}.dropdown{display:none;position:absolute;z-index:10;top:100%;left:-12px;min-width:242px;background:white;box-shadow:0 25px 60px #0c2d3a27;border:1px solid #e5ecec;border-radius:14px;padding:9px;list-style:none;margin:0}.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{display:block}.dropdown a{display:block;padding:10px 13px;font-size:13px;border-radius:7px;color:#3a5360}.dropdown a:hover,.dropdown a:focus{background:#eaf7f7;color:#075e68}.header-actions{display:flex;align-items:center;gap:8px}.btn{display:inline-flex;justify-content:center;align-items:center;gap:13px;min-height:54px;padding:13px 24px;border-radius:8px;font-size:13px;font-weight:800;letter-spacing:.01em;line-height:1.15;border:1px solid transparent;transition:transform .18s,box-shadow .18s,background .18s;white-space:nowrap}.btn:hover{transform:translateY(-2px);box-shadow:0 10px 25px #073d4824}.btn-small{min-height:44px;padding:11px 16px;font-size:12px}.btn-primary{background:#087d88;color:white}.btn-primary:hover{background:#06626f}.btn-gold{background:var(--gold);color:#163947}.btn-gold:hover{background:#f5d4a9}.btn-outline-white{color:white;border-color:#ffffff8c;background:#ffffff0b}.btn-outline-white:hover{background:#fff2}.btn-outline-dark{border-color:#bccdcd;color:#164756;background:transparent}.btn-outline-dark:hover{background:#e8f5f4}.btn-ghost-light{border:1px solid #9ab7bd;color:white;background:#fff1}.mobile-toggle,.mobile-nav{display:none}.mobile-toggle{width:44px;height:44px;align-items:center;justify-content:center;border:1px solid #d7e3e2;background:white;border-radius:8px;color:var(--ink)}
/* Home hero */
.home-hero{min-height:610px;background:radial-gradient(ellipse at 63% 17%,#135766 0%,transparent 34%),linear-gradient(115deg,#072b3c 0%,#0c3f4d 63%,#0c5261 100%);position:relative;color:#fff;overflow:hidden}.home-hero::before{content:'';position:absolute;inset:0;opacity:.14;background-image:linear-gradient(90deg,transparent 98%,#fff 99%),linear-gradient(0deg,transparent 98%,#fff 99%);background-size:69px 69px;mask-image:linear-gradient(90deg,transparent 43%,black)}.hero-glow{position:absolute;width:560px;height:560px;border:1px solid #7bd1cc36;border-radius:50%;top:20px;left:43%;pointer-events:none}.hero-glow:after{content:'';position:absolute;inset:69px;border:1px solid #7bd1cc29;border-radius:50%}.home-hero-grid{min-height:610px;display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:52px;position:relative;z-index:2}.hero-copy{padding:61px 0 65px}.hero-eyebrow{display:flex;align-items:center;gap:12px;color:#b4dce0;letter-spacing:.17em;font-size:10.5px;font-weight:750;margin-bottom:25px}.dot{width:7px;height:7px;background:var(--gold);border-radius:50%;box-shadow:0 0 0 5px #edc49626}.hero-copy h1{font-size:clamp(3.1rem,5.1vw,5.6rem);line-height:1.06;margin-bottom:25px;max-width:720px;letter-spacing:-.055em;font-weight:800}.hero-copy h1 em{font-style:normal;color:var(--gold)}.hero-copy>p{color:#ccdee1;max-width:540px;font-size:17px;line-height:1.73;margin-bottom:27px}.hero-buttons{display:flex;gap:13px;flex-wrap:wrap}.hero-reassurance{display:flex;flex-wrap:wrap;gap:15px 24px;margin-top:29px;font-size:11.6px;color:#bddee0}.hero-reassurance span{display:flex;align-items:center;gap:6px}.hero-reassurance .icon{color:#79ddd4}.hero-visual{height:570px;position:relative;align-self:end;margin-bottom:0;display:flex;align-items:center;justify-content:center}.hero-illustration{width:100%;max-width:550px;height:auto;max-height:525px;border-radius:27px;box-shadow:0 45px 85px #02172265;border:1px solid #90c4c336}.floating-note{position:absolute;display:flex;align-items:center;gap:11px;background:#f9fcf7;color:#1a3f4c;box-shadow:0 18px 42px #001e2c5c;padding:15px 16px;border-radius:12px;z-index:4}.floating-note .note-icon{width:42px;height:42px;display:flex;align-items:center;justify-content:center;border-radius:11px;background:#d8f1ed;color:#077e8b}.floating-note .note-icon.gold{background:#fff0d6;color:#9c713b}.floating-note strong,.floating-note small{display:block;white-space:nowrap}.floating-note strong{font-size:12px}.floating-note small{font-size:10.5px;color:#748a8f}.note-top{top:65px;right:-12px}.note-bottom{bottom:36px;left:-39px}.hero-dash{height:5px;background:linear-gradient(90deg,var(--teal) 0%,#53c1b6 35%,#edc394 65%,#efdfc9 100%)}
/* Pathways */
.pathways{background:#fafbf8;border-bottom:1px solid #e9efec}.pathways-grid{display:grid;grid-template-columns:1fr 1.27fr 1.27fr 1.27fr;align-items:stretch;min-height:146px}.pathway-caption{display:flex;flex-direction:column;justify-content:center;padding:27px 25px 27px 0}.pathway-caption h2{font-size:23px;letter-spacing:-.05em;margin:5px 0 0}.pathway{display:flex;align-items:center;gap:12px;border-left:1px solid #e3ebe7;padding:27px 13px 27px 23px;transition:background .2s}.pathway:hover{background:#eef6f2}.pathway-icon{width:50px;height:50px;border-radius:13px;background:#e0f2ef;color:#087887;display:flex;align-items:center;justify-content:center;flex:none}.pathway span:nth-child(2){display:flex;flex-direction:column;gap:3px;flex:1}.pathway strong{font-size:13.2px;line-height:1.22}.pathway small{font-size:11px;color:#70838a;line-height:1.4}.pathway>.icon{width:16px;flex-shrink:0;color:var(--teal)}
/* General sections */
.section-heading{text-align:center;margin:0 auto 46px;max-width:740px}.section-heading h2{margin:12px 0 12px}.section-heading p{margin:auto;max-width:650px;font-size:15.5px}.section-approach{background:white}.approach-grid{display:grid;grid-template-columns:.89fr 1.11fr;align-items:center;gap:105px}.approach-art{background:#e5f3ef;min-height:493px;border-radius:23px;padding:50px;position:relative;overflow:hidden;isolation:isolate}.approach-art:before{content:'';position:absolute;width:480px;height:480px;border-radius:50%;background:#bde1df;right:-190px;top:-150px;z-index:-1}.approach-art:after{content:'';position:absolute;width:440px;height:440px;border:1px solid #0e7b7f4a;border-radius:50%;left:-140px;bottom:-300px}.approach-big{color:#144e5b;font-size:clamp(2.6rem,4vw,4.75rem);line-height:1.04;font-weight:850;letter-spacing:-.068em;position:relative;z-index:3}.approach-big span{color:#0c9099}.approach-shape{width:226px;height:226px;border-radius:38px;transform:rotate(-11deg);background:linear-gradient(135deg,#156d7a,#072e43);position:absolute;right:56px;bottom:65px;display:flex;justify-content:center;align-items:center;color:#e3f3ef;box-shadow:23px 26px 0 #fff8,-6px 23px 50px #10525a2d}.approach-shape .icon{transform:rotate(11deg);width:112px;height:112px;stroke-width:1.2}.approach-stamp{position:absolute;bottom:40px;left:37px;background:#fff;padding:12px 17px;z-index:4;border-radius:11px;box-shadow:var(--shadow);color:#1d5963;font-size:11px;font-weight:800;line-height:1.35}.approach-copy h2{margin:14px 0 18px}.approach-copy h2 span{color:var(--teal)}.approach-copy>p{font-size:15.5px;max-width:610px}.approach-features{display:grid;gap:21px;margin:31px 0}.approach-features>div{display:flex;align-items:flex-start;gap:15px}.approach-features>div>.icon{color:var(--teal);margin-top:1px}.approach-features strong,.approach-features small{display:block}.approach-features strong{font-size:14px}.approach-features small{color:#687a82;font-size:13px;margin-top:2px;line-height:1.6}.text-link{display:inline-flex;align-items:center;gap:7px;color:#0f8190;font-size:13px;font-weight:800;line-height:1.4}.text-link:hover{gap:12px;color:#0c6171}.text-link.dark{color:#097886}.section-services{background:#f8faf9}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.service-card{display:flex;flex-direction:column;background:#fff;min-height:256px;border:1px solid #e9eeec;border-radius:15px;padding:29px 28px 27px;transition:transform .18s,box-shadow .18s,border-color .18s}.service-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#a6d3d1}.icon-tile{width:52px;height:52px;display:flex;align-items:center;justify-content:center;border-radius:13px;background:#e5f3f0;color:#087c89;flex:none}.service-card h3{margin:20px 0 7px}.service-card p{font-size:13px;line-height:1.65;max-width:330px;margin-bottom:22px}.service-card .text-link{margin-top:auto}.section-tail{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin-top:32px}.resource-preview{background:linear-gradient(110deg,#062b3a,#0a5660);color:white}.resource-preview-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:110px;align-items:center}.resource-preview h2{margin:15px 0 18px;max-width:650px}.resource-preview p{color:#c4dcdf;max-width:595px;font-size:15px;margin-bottom:25px}.resource-list{border:1px solid #a5d6d84c;border-radius:18px;background:#ffffff0a;padding:18px 27px}.resource-list>div{display:flex;align-items:flex-start;gap:17px;padding:24px 6px}.resource-list>div+.resource-list>div{border-top:1px solid #ffffff20}.resource-list>div:not(:first-child){border-top:1px solid #ffffff28}.resource-list .icon{color:var(--gold)}.resource-list strong,.resource-list small{display:block}.resource-list strong{font-size:15px}.resource-list small{color:#b3d3d6;font-size:12px;margin-top:3px}.process-section{background:#fff}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:48px}.process-grid>div{padding:12px 14px 5px;border-top:1px solid #d4e0df}.step{display:block;color:#b0bfc0;font-weight:800;font-size:38px;letter-spacing:-.05em;margin:15px 0 12px}.process-grid h3{margin-bottom:8px}.process-grid p{font-size:13px;max-width:310px}.cta-section{padding-top:0;background:#fff}.cta-panel{border-radius:20px;padding:58px 63px;display:flex;gap:35px;align-items:center;justify-content:space-between;color:#fff;background:radial-gradient(circle at 85% 25%,#1c7180 0%,transparent 35%),linear-gradient(110deg,#092d3e,#0a515d);overflow:hidden}.cta-panel h2{font-size:clamp(1.9rem,3vw,3rem);margin:12px 0;max-width:690px}.cta-panel p{color:#bed8dd;margin-bottom:0;max-width:600px;font-size:14px}.cta-actions{display:flex;flex-direction:column;gap:11px;align-items:stretch;flex-shrink:0}
/* Inner hero */
.inner-hero{padding:78px 0 86px;overflow:hidden;background:linear-gradient(122deg,#eff7f4,#f7faf7 62%,#e5f1ee)}.inner-hero-grid{display:grid;grid-template-columns:1.07fr .93fr;gap:80px;align-items:center}.breadcrumb{color:#77898c;font-size:12px;margin-bottom:31px}.breadcrumb a:hover{color:var(--teal)}.breadcrumb span{margin:0 10px}.inner-hero h1{font-size:clamp(2.8rem,4.7vw,5rem);margin:12px 0 20px}.hero-intro{font-size:16px;line-height:1.72;max-width:605px;margin-bottom:28px}.inner-art-wrap{position:relative}.inner-art{width:100%;box-shadow:0 20px 60px #0b546026;border-radius:22px}.art-note{display:flex;align-items:center;gap:10px;color:#185360;position:absolute;bottom:-24px;right:-22px;background:#fff;border:1px solid #e3eeed;border-radius:12px;padding:17px 20px;font-weight:800;font-size:12px;box-shadow:var(--shadow)}.art-note .icon{color:#008b96}
.story-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:100px}.story-grid h2{margin:15px 0}.story-grid p{font-size:16px;line-height:1.82}.story-grid p:last-child{margin-bottom:0}.muted-section{background:#f5f9f7}.value-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.value-grid>div{background:white;padding:35px 30px;border:1px solid #e1eeeb;border-radius:14px}.value-grid .icon{color:var(--teal)}.value-grid h3{margin:24px 0 8px}.value-grid p{font-size:13.5px;margin:0}
.product-list{border-top:1px solid var(--line)}.product-row{display:grid;grid-template-columns:70px 1fr auto;gap:23px;padding:30px 0;border-bottom:1px solid var(--line);align-items:start;scroll-margin-top:120px}.product-icon{width:67px;height:67px;border-radius:15px;background:#ecf6f2;color:#097987;display:flex;align-items:center;justify-content:center}.product-row h3{font-size:21px;margin:5px 0 8px}.product-row p{font-size:14px;line-height:1.65;max-width:690px;margin-bottom:4px}.product-row .product-details{font-size:12.8px;color:#71848a}.product-row .text-link{white-space:nowrap;margin-top:24px}.soft-banner{padding:65px 0;background:#eaf5f2}.split-banner{display:flex;align-items:center;justify-content:space-between;gap:40px}.split-banner>div{max-width:750px}.split-banner>.btn{flex-shrink:0}.split-banner .icon{color:var(--teal);margin-bottom:10px}.split-banner h2{font-size:clamp(1.7rem,3vw,2.6rem);margin-bottom:11px}.split-banner p{margin-bottom:0}
.industry-section{background:#eff7f4}.industry-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.industry-grid h2{margin:13px 0}.industry-grid p{font-size:14px;max-width:520px}.industry-grid .btn{margin-top:7px}.industry-chips{display:grid;grid-template-columns:1fr 1fr;gap:13px}.industry-chips span{padding:16px 18px;background:#fff;border:1px solid #dbe9e5;border-radius:11px;font-size:13px;font-weight:700;color:#34616a}.alert-card{display:flex;align-items:center;gap:20px;border:1px solid #d8e9e5;border-radius:17px;padding:24px;background:#fff}.alert-card>div:nth-child(2){flex:1}.alert-card h3{margin:0 0 6px}.alert-card p{margin:0;font-size:13px}.alert-card>.btn,.alert-card>.text-link{flex-shrink:0}
.bond-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.bond-card{scroll-margin-top:120px;display:flex;flex-direction:column;min-height:316px;border:1px solid #e1ebe8;border-radius:16px;padding:29px 28px;background:#fff;transition:box-shadow .2s,transform .2s}.bond-card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}.bond-icon{width:48px;height:48px;background:#e3f4f0;border-radius:11px;display:flex;align-items:center;justify-content:center;color:#087e88;margin-bottom:19px}.chip{display:inline-block;color:#09818c;font-size:10px;font-weight:800;letter-spacing:.12em}.bond-card h3{margin:9px 0 9px}.bond-card p{font-size:13px;margin-bottom:18px}.bond-card .text-link{margin-top:auto}.bond-explainer{display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:100px}.bond-explainer h2{margin:12px 0}.bond-explainer p{font-size:14px;line-height:1.8}.bond-explainer .text-link{margin-top:11px}.bond-example{background:#fff;border:1px solid #e2ece8;border-radius:17px;padding:20px 29px}.bond-example>div{display:grid;grid-template-columns:48px 1fr;align-items:center;gap:0 12px;padding:17px 4px}.bond-example>div+div{border-top:1px solid var(--line)}.bond-example span{grid-row:span 2;color:#068c96;font-size:22px;font-weight:850}.bond-example strong{font-size:14px}.bond-example small{font-size:12px;color:#687f86}
.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.resource-grid .service-card{min-height:270px}.contract-grid{display:grid;grid-template-columns:.9fr 1.1fr;align-items:start;gap:90px}.contract-grid h2{margin:14px 0 20px}.contract-grid p{font-size:14px;line-height:1.8}.contract-grid .btn{margin-top:17px}.checklist{border:1px solid #d9e9e5;padding:20px 25px;background:white;border-radius:16px;box-shadow:0 14px 43px #153e4820}.checklist label{display:flex;align-items:flex-start;gap:14px;padding:15px 0;border-bottom:1px solid #ebf0ee;color:#385561;cursor:pointer;font-size:13.3px;line-height:1.5}.checklist input{width:17px;height:17px;accent-color:#08868c;flex:none;margin-top:2px}.checklist input:checked+span{text-decoration:line-through;color:#7a8e8f}.checklist-footer{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:17px;color:#648087;font-size:12px}.clear-checklist{background:none;border:0;color:#0a7c85;font-size:12px;font-weight:800}.guide-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.guide-grid details{background:#f6faf9;border:1px solid #e2eae8;border-radius:12px;padding:19px 22px}.guide-grid summary{display:flex;align-items:center;justify-content:space-between;gap:10px;list-style:none;cursor:pointer;font-weight:750;color:#1a4958;font-size:14px}.guide-grid summary::-webkit-details-marker{display:none}.guide-grid details[open] summary>.icon{transform:rotate(180deg)}.guide-grid details p{font-size:13px;margin:14px 0 0}
.contact-grid{display:grid;grid-template-columns:.78fr 1.22fr;align-items:start;gap:88px}.contact-details h2{margin:12px 0}.contact-details>p{font-size:14px}.contact-method{display:flex;gap:15px;align-items:start;margin:33px 0}.contact-method>.icon{color:var(--teal)}.contact-method>div{display:flex;flex-direction:column;gap:5px}.contact-method strong{font-size:13px}.contact-method a{color:#0c6b78;font-size:15px;font-weight:700}.contact-method span{color:#687d84;font-size:13px}.contact-note{font-size:12px!important;max-width:350px;padding-top:19px;border-top:1px solid #e5eeea}.form-panel{padding:42px 42px 37px;border:1px solid #e2eae7;box-shadow:var(--shadow);border-radius:18px}.form-panel h2{font-size:32px;margin:9px 0}.form-panel>p{font-size:13.5px;margin-bottom:25px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{display:flex;flex-direction:column;margin-bottom:18px;gap:7px}.field label{font-size:12.3px;color:#234452;font-weight:800}.field label span{color:#c86e55}.field input,.field select,.field textarea{width:100%;background:#fbfdfb;border:1px solid #cedddc;border-radius:9px;padding:13px 14px;color:#183947;font-size:13.6px;min-height:49px}.field textarea{resize:vertical;min-height:132px}.field input:focus,.field textarea:focus,.field select:focus{outline:2px solid #80c7ca;outline-offset:1px}.field input::placeholder,.field textarea::placeholder{color:#97a6a8}.honeypot{position:absolute!important;left:-9999px!important;height:1px!important;width:1px!important;opacity:0!important}.form-setup-note{padding:11px 13px;background:#f8f3e8;color:#725e43;font-size:12px;border:1px solid #eddfc8;border-radius:8px;margin:7px 0 18px}.form-result{font-size:13px;margin:0 0 13px}.form-result.error{color:#a43131}.form-result.success{color:#0c7561}.btn-submit{width:100%}.form-disclaimer{margin:12px 0 0;font-size:11px;line-height:1.5}.cf-turnstile{margin:8px 0 19px}
.quote-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px}.quote-choice{padding:38px;border-radius:17px;border:1px solid #dce9e6;background:#f8fbf9;display:flex;flex-direction:column;min-height:438px}.quote-choice.featured{background:#e6f4f0;border-color:#b6dcd6}.quote-choice h3{font-size:26px;margin:16px 0 12px}.quote-choice>p{font-size:14px}.quote-choice .chip{margin-top:16px}.quote-choice ul{padding:0;margin:18px 0 22px;list-style:none}.quote-choice li{display:flex;gap:9px;align-items:center;color:#536a72;font-size:13px;margin:10px 0}.quote-choice li .icon{color:var(--teal)}.quote-choice>.btn{margin-top:auto;align-self:flex-start}.quote-fineprint{font-size:12px;margin:27px 0 0}.narrow{max-width:840px}.prose h2{font-size:33px}.prose h3{margin-top:35px}.prose p{font-size:15px}.prose a{color:#0a7c87;text-decoration:underline}
/* Footer */
.site-footer{background:#062734;color:white;padding:70px 0 0}.footer-grid{display:grid;grid-template-columns:1.65fr .8fr .85fr 1.1fr;gap:45px;padding-bottom:61px}.brand-footer .brand-text strong{color:white}.brand-footer .brand-text small{color:#acc4cd}.footer-identity p{color:#b2c8cf;font-size:13px;max-width:280px;margin:21px 0}.footer-license{color:#b3cbd0;font-size:11px}.footer-grid h3{font-size:13px;margin:8px 0 21px;color:#f2f5f2;letter-spacing:.015em}.footer-grid>div:not(:first-child)>a{display:block;color:#b7cbd0;font-size:12.5px;line-height:1.8;margin:8px 0}.footer-grid>div:not(:first-child)>a:hover{color:var(--gold)}.footer-contact p{font-size:12.5px;color:#b6cad0;margin:13px 0}.footer-bottom{border-top:1px solid #ffffff23;min-height:66px;display:flex;align-items:center;justify-content:space-between;gap:20px;color:#9ebbc4;font-size:10.7px;line-height:1.5}
@media(min-width:1500px){.container{width:min(1260px,calc(100% - 90px))}.home-hero-grid{gap:64px}.hero-copy h1{font-size:5.7rem}}
@media(max-width:1250px){.container{width:min(1150px,calc(100% - 52px))}.desktop-nav .nav-item{font-size:11.5px;padding:20px 7px}.brand strong{font-size:21px}.brand img{width:49px;height:49px}.btn-small{padding:11px 12px}.home-hero-grid{gap:28px}.floating-note.note-top{right:-7px}.floating-note.note-bottom{left:-12px}.pathways-grid{grid-template-columns:1fr 1.2fr 1.2fr 1.2fr}.pathway{padding:20px 10px 20px 16px;gap:9px}.pathway-icon{width:44px;height:44px}.approach-grid{gap:65px}}
@media(max-width:1080px){.desktop-nav{display:none}.mobile-toggle{display:flex}.mobile-nav{display:flex;flex-direction:column;padding:13px 26px 21px;gap:0;background:white;border-top:1px solid #e8edeb;box-shadow:0 25px 36px #062c3922}.mobile-nav[hidden]{display:none}.mobile-nav a{padding:11px 10px;border-bottom:1px solid #e8eeec;color:#254652;font-size:14px;font-weight:700}.mobile-nav a.mobile-quote{background:var(--teal);color:white;border-radius:8px;text-align:center;margin-top:16px}.approach-grid,.resource-preview-grid{gap:50px}.pathways-grid{grid-template-columns:repeat(3,1fr)}.pathway-caption{grid-column:1/-1;padding:22px 0 6px}.pathway-caption h2{font-size:22px}.pathway{border-left:0;padding:12px 12px 23px 0}.pathway+.pathway{border-left:1px solid #e3ebe7;padding-left:15px}.hero-reassurance{gap:12px}}
@media(max-width:800px){.container{width:calc(100% - 38px)}.section{padding:77px 0}.header-inner{height:75px}.utility-inner{min-height:36px}.utility-inner>span:first-child{display:none}.utility-inner>span:last-child{margin-left:auto}.home-hero-grid{grid-template-columns:1fr;gap:0;padding-top:0}.home-hero{min-height:unset}.hero-copy{padding:72px 0 23px}.hero-copy h1{font-size:clamp(3.1rem,8vw,5rem)}.hero-copy>p{font-size:15.5px}.hero-visual{height:auto;min-height:430px;max-width:560px;width:100%;margin:auto;padding:0 18px 25px}.hero-illustration{max-height:440px}.floating-note.note-top{top:22px;right:0}.floating-note.note-bottom{bottom:15px;left:0}.pathways-grid{grid-template-columns:1fr}.pathway-caption{padding:26px 0 12px}.pathway{border-top:1px solid #e3ebe7;padding:15px 0!important;border-left:0!important}.approach-grid,.resource-preview-grid,.inner-hero-grid,.story-grid,.industry-grid,.bond-explainer,.contract-grid,.contact-grid{grid-template-columns:1fr;gap:38px}.approach-art{min-height:380px;order:2}.approach-copy{order:1}.services-grid,.bond-grid,.resource-grid,.value-grid{grid-template-columns:1fr 1fr}.resource-preview-grid{gap:26px}.process-grid{gap:20px}.cta-panel{padding:41px 38px;flex-direction:column;align-items:flex-start}.cta-actions{flex-direction:row;flex-wrap:wrap}.inner-hero{padding:55px 0 75px}.inner-art-wrap{max-width:570px;width:90%;margin:auto}.story-grid p{font-size:15px}.industry-grid{gap:26px}.contact-grid{gap:27px}.footer-grid{grid-template-columns:1.5fr 1fr;gap:40px}.footer-bottom{align-items:start;padding:20px 0;flex-direction:column}.split-banner{align-items:flex-start;flex-direction:column;gap:25px}.bond-explainer{gap:28px}}
@media(max-width:560px){h2{font-size:2.18rem}.container{width:calc(100% - 32px)}.section{padding:67px 0}.site-header .brand strong{font-size:18px}.site-header .brand small{font-size:7px}.site-header .brand img{width:43px;height:43px}.header-inner{height:68px}.header-actions>.btn{display:none}.utility-bar{font-size:10px}.home-hero-grid{padding-top:0}.hero-copy{padding:58px 0 13px}.hero-copy h1{font-size:clamp(2.9rem,10.5vw,4.2rem)}.hero-eyebrow{font-size:9.3px;letter-spacing:.095em}.hero-buttons{flex-direction:column;align-items:stretch}.hero-buttons .btn{width:100%}.hero-reassurance{display:grid;grid-template-columns:1fr 1fr;font-size:10.3px}.hero-visual{min-height:340px;padding:0 14px 20px}.hero-illustration{border-radius:20px}.floating-note{padding:9px 10px;gap:7px;border-radius:8px}.floating-note .note-icon{width:33px;height:33px;border-radius:8px}.floating-note .note-icon .icon{width:16px;height:16px}.floating-note strong{font-size:9px}.floating-note small{font-size:8px}.note-top{top:18px!important}.note-bottom{bottom:25px!important}.approach-grid{gap:26px}.approach-art{min-height:315px;padding:33px}.approach-big{font-size:2.9rem}.approach-shape{width:160px;height:160px;right:39px;bottom:48px}.approach-shape .icon{width:78px;height:78px}.approach-stamp{bottom:24px;left:21px}.services-grid,.bond-grid,.resource-grid,.value-grid,.quote-grid,.guide-grid,.process-grid{grid-template-columns:1fr}.service-card{min-height:230px;padding:24px}.resource-list{padding:9px 20px}.process-grid{gap:11px}.process-grid>div{padding:12px 8px 10px}.cta-panel{padding:32px 25px}.cta-actions{flex-direction:column;align-items:stretch;width:100%}.cta-actions .btn{white-space:normal}.inner-hero h1{font-size:3rem}.inner-art-wrap{width:93%}.art-note{font-size:10px;padding:10px 13px;right:-14px}.product-row{grid-template-columns:53px 1fr;gap:15px;padding:27px 0}.product-icon{width:51px;height:51px}.product-icon .icon{width:23px;height:23px}.product-row h3{font-size:19px}.product-row .text-link{grid-column:2;justify-self:start;margin-top:0}.industry-chips{grid-template-columns:1fr 1fr;gap:9px}.industry-chips span{padding:11px;font-size:11px}.alert-card{align-items:start;flex-wrap:wrap}.alert-card>.text-link,.alert-card>.btn{margin-left:72px}.bond-card{min-height:275px}.checklist{padding:11px 17px}.form-panel{padding:29px 22px}.form-row{grid-template-columns:1fr;gap:0}.quote-choice{padding:29px;min-height:unset}.footer-grid{grid-template-columns:1fr 1fr;gap:31px 20px}.footer-identity{grid-column:1/-1}.footer-contact{grid-column:1/-1}.footer-grid{padding-bottom:35px}.footer-bottom{font-size:10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn,.service-card,.text-link,.bond-card{transition:none}}
/* Helpful client actions */
.client-tools{padding-top:80px;background:#fff}
.client-tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.client-tool{display:flex;flex-direction:column;gap:13px;background:#f1f8f5;border:1px solid #d7eae4;border-radius:14px;padding:27px;min-height:185px;transition:background .2s,transform .2s}
.client-tool:hover{transform:translateY(-3px);background:#e5f2ee}
.client-tool>.icon{color:#0a818c;width:28px;height:28px}.client-tool strong{font-size:16px;color:#18434e}
.client-tool span{color:#647c82;font-size:12px;line-height:1.5;margin-top:auto;display:flex;gap:7px;align-items:center}
.client-tool span .icon{color:#087e88}
@media(max-width:800px){.client-tools-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.client-tools-grid{grid-template-columns:1fr}.client-tool{min-height:165px}}


/* 2026-10 revision overrides */
.brand.brand-logo{gap:0}
.brand.brand-logo img{width:auto;height:58px;max-width:360px;object-fit:contain}
.brand.brand-footer.brand-logo img,.brand-footer.brand-logo img{height:68px;max-width:340px}
.page-bottom-cta{margin-top:36px;display:flex;justify-content:center}
.page-bottom-cta .btn{min-width:220px}
.footer-contact a{display:block;color:#b7cbd0;font-size:12.5px;line-height:1.8;margin:8px 0}.footer-contact a:hover{color:var(--gold)}
@media(max-width:1250px){.brand.brand-logo img{height:54px;max-width:320px}.brand-footer.brand-logo img{height:62px;max-width:320px}}
@media(max-width:560px){.brand.brand-logo img{height:42px;max-width:240px}.brand-footer.brand-logo img{height:54px;max-width:270px}.page-bottom-cta .btn{width:100%}}
.form-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.intake-wrap{max-width:960px}.intake{margin-top:24px;background:#fff;border:1px solid #dbe5e4;border-radius:20px;padding:32px}.intake fieldset{border:0;border-top:1px solid #dbe5e4;padding:28px 0;margin:20px 0}.intake legend{font-size:1.4rem;font-weight:700;padding:0 16px 0 0;color:#092e3b}.intake-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.intake label{display:block;font-size:.93rem;font-weight:600;color:#163e48}.intake input:not([type=checkbox]),.intake select,.intake textarea{display:block;width:100%;min-width:0;padding:12px 14px;border:1px solid #acbfbe;border-radius:8px;font:inherit;background:#fff;margin-top:8px}.intake input[type=checkbox]{width:18px;height:18px;vertical-align:middle;accent-color:#0b695c;margin-right:8px}.intake input:focus,.intake select:focus,.intake textarea:focus{outline:3px solid #c5ded5;border-color:#0b695c}.intake .wide{grid-column:1/-1}.conditional{padding:18px;margin-top:14px;background:#f3f7f5;border-radius:12px}.conditional[hidden]{display:none}.form-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.intake-status{padding-top:16px;color:#164d45}.partner-frame{width:100%;height:900px;border:1px solid #dbe5e4;border-radius:16px;background:white}.embed-tools{display:flex;justify-content:space-between;align-items:center;gap:24px;margin-bottom:24px}@media(max-width:850px){.form-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:600px){.form-card-grid,.intake-grid{grid-template-columns:1fr}.intake{padding:20px}.embed-tools{display:block}.partner-frame{height:780px}}

.partner-logo{height:112px;display:flex;align-items:center;margin:18px 0 16px}.partner-logo img{display:block;max-width:260px;width:auto;max-height:100px;height:auto;object-fit:contain}@media(max-width:600px){.partner-logo img{max-width:100%}}

.intake-trap{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}.intake-turnstile:empty{display:none}

.coi-note-section{padding:28px 0 8px}.coi-note{padding:22px 26px;border:1px solid #dce5e2;border-left:3px solid #97b6aa;border-radius:10px;background:#f6f8f6}.coi-note h2{font-size:1.25rem;line-height:1.35;margin:0 0 8px}.coi-note p{font-size:.95rem;line-height:1.6;margin:0;color:#496067}.coi-note .coi-note-detail{font-size:.85rem;margin-top:6px;color:#627379}

.illustrated-choice{overflow:hidden}.quote-card-art{display:block;width:100%;height:150px;object-fit:cover;border-radius:12px;margin:0 0 22px}.illustrated-choice h3{margin-top:12px}

.home-coverage-art{display:block;width:100%;height:150px;object-fit:cover;border-radius:12px;margin-bottom:22px}

.coverage-card-art{display:block;width:100%;height:120px;object-fit:cover;border-radius:10px;margin-bottom:18px}.coverage-card .coverage-card-detail{font-size:12px;line-height:1.7;color:#62777e;margin-bottom:0}.coverage-card h3{font-size:19px}.coverage-card{min-height:0}

.industry-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.industry-link{display:block;padding:20px;background:#fff;border:1px solid #dce5e2;border-radius:12px;font-weight:650;color:#0c4858}.intake input,.intake select,.intake textarea{font-size:16px!important}.intake button{min-height:46px}.coverage-card p{line-height:1.7}@media(max-width:700px){.industry-links{grid-template-columns:1fr}.home-hero h1{overflow-wrap:break-word}.form-actions .btn{width:100%}.coi-note{padding:18px}.coverage-card-art{height:130px}}

@media(min-width:1081px){.desktop-nav .nav-item{padding-left:6px;padding-right:6px;font-size:12px}.header-inner{gap:14px}.brand.brand-logo img{max-width:230px;height:auto}}
/* Keep the header wordmark compact at every breakpoint. */
.site-header .brand.brand-logo{flex:0 0 auto;max-width:160px}
.site-header .brand.brand-logo img{display:block;width:160px;height:auto;max-width:100%;max-height:52px;object-fit:contain}
@media(max-width:560px){.site-header .brand.brand-logo{max-width:140px}.site-header .brand.brand-logo img{width:140px;max-height:46px}}
/* Midpoint wordmark size. */
.site-header .brand.brand-logo{max-width:190px}
.site-header .brand.brand-logo img{width:190px;max-height:62px}
@media(max-width:560px){.site-header .brand.brand-logo{max-width:160px}.site-header .brand.brand-logo img{width:160px;max-height:52px}}

/* Accessibility improvements, version 1.2.0 */
:root{--teal:#076d77}
.field input,.field select,.field textarea,.intake input:not([type=checkbox]),.intake select,.intake textarea{border-color:#708c8b}
.field input::placeholder,.field textarea::placeholder{color:#63747a;opacity:1}
:focus-visible{outline:3px solid #075e68;outline-offset:4px}
.field input:focus,.field select:focus,.field textarea:focus,.intake input:focus,.intake select:focus,.intake textarea:focus{outline:3px solid #075e68;outline-offset:3px}
.site-footer :focus-visible,.home-hero :focus-visible,.cta-panel :focus-visible{outline-color:#fff}
.intake .choice-group{margin:8px 0;padding:12px 0;border:0;min-width:0}
.intake .choice-group>legend{font-size:1rem;line-height:1.5;letter-spacing:normal;padding:0;font-weight:650}
.error-summary{border:2px solid #a43131;border-radius:8px;padding:16px;margin:16px 0;color:#782424;background:#fff}
.error-summary[hidden]{display:none}.error-summary a{text-decoration:underline;color:#782424}
.field-error{display:block;color:#a43131;font-size:.9rem;margin:6px 0}
[aria-invalid=true]{border-color:#a43131!important}
.intake label:has(input[type=checkbox]){min-height:28px;padding:3px 0}