.insurance-vertical{
  --insurance-navy:#0F2747;
  --insurance-navy-deep:#091A30;
  --insurance-blue:#1F4F8A;
  --insurance-blue-hover:#173F70;
  --insurance-teal:#0F766E;
  --insurance-teal-soft:#DDF3F0;
  --insurance-steel:#5E6B78;
  --insurance-light:#F4F7FA;
  --insurance-border:#D7E0E9;
  --insurance-white:#FFFFFF;
  background:var(--insurance-white);
  color:var(--insurance-navy-deep);
  overflow-x:hidden;
}
.insurance-vertical .insurance-hero{
  position:relative;
  overflow:hidden;
  background:radial-gradient(circle at 12% 15%,rgba(15,118,110,.24),transparent 30%),linear-gradient(135deg,#091A30 0%,#0F2747 55%,#1F4F8A 100%);
  border:1px solid rgba(255,255,255,.12);
  box-shadow:0 28px 70px -46px rgba(9,26,48,.9);
}
.insurance-vertical .insurance-hero::before{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:42px 42px;
  mask-image:linear-gradient(to bottom right,rgba(0,0,0,.65),transparent 72%);
}
.insurance-vertical .insurance-hero>*{position:relative;z-index:1}
.insurance-vertical .insurance-hero .eyebrow{color:#8FE1D7}
.insurance-vertical .insurance-hero h1{max-width:64rem;color:var(--insurance-white)}
.insurance-vertical .insurance-hero p{max-width:64rem;color:#DCE6F0}
.insurance-vertical .button{
  background:var(--insurance-blue);
  border:1px solid var(--insurance-blue);
  color:var(--insurance-white);
  box-shadow:none;
}
.insurance-vertical .button:hover{background:var(--insurance-blue-hover);border-color:var(--insurance-blue-hover);box-shadow:0 14px 26px -22px rgba(9,26,48,.9)}
.insurance-vertical .button-outline{background:transparent;border:1px solid var(--insurance-blue);color:var(--insurance-blue)}
.insurance-vertical .button-outline:hover{background:var(--insurance-blue);border-color:var(--insurance-blue);color:var(--insurance-white)}
.insurance-vertical .insurance-hero .button{background:var(--insurance-white);border-color:var(--insurance-white);color:var(--insurance-navy)}
.insurance-vertical .insurance-hero .button:hover{background:#EAF1F7;border-color:#EAF1F7;color:var(--insurance-navy-deep)}
.insurance-vertical .insurance-hero .button-outline{background:transparent;border-color:rgba(255,255,255,.72);color:var(--insurance-white)}
.insurance-vertical .insurance-hero .button-outline:hover{background:rgba(255,255,255,.12);border-color:var(--insurance-white);color:var(--insurance-white)}
.insurance-vertical .insurance-section{padding:clamp(2.2rem,5vw,4.8rem) 0}
.insurance-vertical .insurance-section-light{background:var(--insurance-white)}
.insurance-vertical .insurance-section-alt{background:var(--insurance-light);border-block:1px solid var(--insurance-border)}
.insurance-vertical .insurance-section-deep{background:var(--insurance-navy-deep);color:var(--insurance-white);scroll-margin-top:7rem}
.insurance-vertical .insurance-section .kicker{color:var(--insurance-teal)}
.insurance-vertical .insurance-section-deep .kicker{color:#8FE1D7}
.insurance-vertical .insurance-section h2{max-width:64rem;color:var(--insurance-navy-deep)}
.insurance-vertical .insurance-section-deep h2{color:var(--insurance-white)}
.insurance-vertical .insurance-lead{max-width:66rem;color:var(--insurance-steel);font-size:1.05rem;line-height:1.85}
.insurance-vertical .insurance-pillar-grid,
.insurance-vertical .insurance-question-grid,
.insurance-vertical .insurance-product-grid,
.insurance-vertical .insurance-use-grid,
.insurance-vertical .insurance-faq-grid{display:grid;gap:1rem;margin-top:1.5rem}
.insurance-vertical .insurance-card{
  min-width:0;
  padding:1.45rem;
  border:1px solid var(--insurance-border);
  border-radius:1.35rem;
  background:var(--insurance-white);
  box-shadow:inset 0 4px 0 var(--insurance-teal),0 18px 42px -34px rgba(9,26,48,.48);
  transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease;
}
.insurance-vertical .insurance-card:hover{transform:translateY(-2px);border-color:#B9C9D8;box-shadow:inset 0 4px 0 var(--insurance-teal),0 24px 48px -34px rgba(9,26,48,.58)}
.insurance-vertical .insurance-card h3{margin:.65rem 0;color:var(--insurance-navy);font-size:1.2rem;line-height:1.35}
.insurance-vertical .insurance-card p{color:var(--insurance-steel);line-height:1.75}
.insurance-vertical .insurance-icon{display:inline-grid;place-items:center;width:2.65rem;height:2.65rem;border:1px solid rgba(15,118,110,.38);border-radius:.85rem;background:var(--insurance-teal-soft);color:var(--insurance-teal);font-size:.78rem;font-weight:800;letter-spacing:.08em}
.insurance-vertical .insurance-label{margin:0;color:var(--insurance-teal)!important;font-size:.74rem!important;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.insurance-vertical .insurance-price{display:inline-flex;margin:1rem 0;padding:.48rem .72rem;border-radius:999px;background:var(--insurance-teal-soft);color:var(--insurance-teal)!important;font-weight:800;line-height:1.2!important}
.insurance-vertical .insurance-product{display:flex;flex-direction:column;align-items:flex-start}
.insurance-vertical .insurance-product .button,
.insurance-vertical .insurance-product .button-outline{margin-top:auto}
.insurance-vertical .insurance-inline-link{display:inline-block;margin-top:1rem;color:var(--insurance-blue);font-weight:750;text-decoration:underline;text-underline-offset:4px}
.insurance-vertical .insurance-commercial-note{max-width:70rem;margin:1.3rem auto 0;padding:1rem 1.15rem;border-left:4px solid var(--insurance-teal);background:var(--insurance-light);color:var(--insurance-steel);line-height:1.7}
.insurance-vertical .insurance-dossier{display:grid;gap:2rem;align-items:start}
.insurance-vertical .insurance-dossier p{color:#DCE6F0;line-height:1.85}
.insurance-vertical .insurance-dossier-close{padding:1rem 1.15rem;border-left:4px solid #69CFC4;background:rgba(255,255,255,.07);font-weight:750;color:var(--insurance-white)!important}
.insurance-vertical .insurance-dossier-list{display:grid;gap:.65rem;margin:0;padding:0;list-style:none}
.insurance-vertical .insurance-dossier-list li{position:relative;padding:.8rem .9rem .8rem 2.4rem;border:1px solid rgba(215,224,233,.18);border-radius:.9rem;background:rgba(255,255,255,.06);color:#F2F7FB}
.insurance-vertical .insurance-dossier-list li::before{content:"";position:absolute;left:.9rem;top:1.05rem;width:.65rem;height:.38rem;border-left:2px solid #8FE1D7;border-bottom:2px solid #8FE1D7;transform:rotate(-45deg)}
.insurance-vertical .insurance-method{display:grid;gap:1.5rem;align-items:start}
.insurance-vertical .insurance-method ol{padding-left:1.25rem;color:var(--insurance-steel);line-height:1.75}
.insurance-vertical .insurance-method li{margin:.7rem 0}
.insurance-vertical .insurance-decision-box{background:var(--insurance-light)}
.insurance-vertical .insurance-faq summary{cursor:pointer;color:var(--insurance-navy);line-height:1.5}
.insurance-vertical .insurance-faq summary::marker{color:var(--insurance-teal)}
.insurance-vertical .insurance-faq p{margin-bottom:0}
.insurance-vertical .insurance-final-cta{padding:clamp(1.5rem,4vw,2.8rem);border:1px solid var(--insurance-border);border-radius:1.6rem;background:linear-gradient(135deg,var(--insurance-light),var(--insurance-white));box-shadow:0 22px 50px -42px rgba(9,26,48,.6)}
.insurance-vertical .insurance-final-cta p{max-width:64rem;color:var(--insurance-steel);line-height:1.8}
.insurance-vertical .nav-desktop a.active{color:var(--insurance-blue)}
.insurance-vertical a:focus-visible,
.insurance-vertical button:focus-visible,
.insurance-vertical summary:focus-visible{outline:3px solid #2FA89D;outline-offset:4px;border-radius:.35rem}
@media (min-width:768px){
  .insurance-vertical .insurance-pillar-grid,
  .insurance-vertical .insurance-question-grid,
  .insurance-vertical .insurance-use-grid,
  .insurance-vertical .insurance-faq-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .insurance-vertical .insurance-dossier,
  .insurance-vertical .insurance-method{grid-template-columns:1.05fr .95fr}
}
@media (min-width:1024px){
  .insurance-vertical .insurance-pillar-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
  .insurance-vertical .insurance-product-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .insurance-vertical .insurance-use-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
}
@media (max-width:767px){
  .insurance-vertical .insurance-section{padding:2rem 0}
  .insurance-vertical .insurance-card{padding:1.2rem}
  .insurance-vertical .insurance-product .button,
  .insurance-vertical .insurance-product .button-outline{width:100%}
  .insurance-vertical .insurance-commercial-note{margin-inline:.1rem}
}
@media (prefers-reduced-motion:reduce){
  .insurance-vertical .insurance-card,
  .insurance-vertical .button,
  .insurance-vertical .button-outline{transition:none}
  .insurance-vertical .insurance-card:hover{transform:none}
}

/* competitive-insurance-2026-07-31 */
.insurance-vertical .insurance-compare-wrap{margin-top:1.5rem;overflow-x:auto;border:1px solid var(--insurance-border);border-radius:1.2rem;background:var(--insurance-white);box-shadow:0 18px 42px -34px rgba(9,26,48,.48)}
.insurance-vertical .insurance-compare-table{width:100%;min-width:760px;border-collapse:collapse;text-align:left}
.insurance-vertical .insurance-compare-table th,.insurance-vertical .insurance-compare-table td{padding:1rem 1.05rem;border-bottom:1px solid var(--insurance-border);vertical-align:top;line-height:1.55}
.insurance-vertical .insurance-compare-table th{background:var(--insurance-navy);color:var(--insurance-white);font-size:.82rem;letter-spacing:.04em}
.insurance-vertical .insurance-compare-table tr:last-child td{border-bottom:0}
.insurance-vertical .insurance-compare-table tbody tr:nth-child(even){background:var(--insurance-light)}
.insurance-vertical .insurance-compare-table strong{color:var(--insurance-navy)}
.insurance-vertical .insurance-module-grid,.insurance-vertical .insurance-evidence-grid,.insurance-vertical .insurance-capacity-grid,.insurance-vertical .insurance-case-grid{display:grid;gap:1rem;margin-top:1.5rem}
.insurance-vertical .insurance-card .insurance-list{margin:.8rem 0 0;padding-left:1.25rem;color:var(--insurance-steel);line-height:1.75}
.insurance-vertical .insurance-demo-banner{margin:1.25rem 0;padding:1rem 1.15rem;border:1px solid #E5B65A;border-left:5px solid #B7791F;border-radius:.9rem;background:#FFF8E8;color:#6B4B13;line-height:1.7}
.insurance-vertical .insurance-demo-banner strong{color:#5B3F0D}
.insurance-vertical .insurance-status{display:inline-flex;align-items:center;margin:.35rem .35rem .35rem 0;padding:.38rem .62rem;border-radius:999px;background:var(--insurance-teal-soft);color:var(--insurance-teal);font-size:.76rem;font-weight:800;letter-spacing:.04em}
.insurance-vertical .insurance-status-high{background:#FEE2E2;color:#991B1B}
.insurance-vertical .insurance-status-medium{background:#FEF3C7;color:#92400E}
.insurance-vertical .insurance-status-controlled{background:#DCFCE7;color:#166534}
.insurance-vertical .insurance-case-summary{padding:1.15rem;border-left:4px solid var(--insurance-teal);background:var(--insurance-light);color:var(--insurance-steel);line-height:1.75}
.insurance-vertical .insurance-metric-grid{display:grid;gap:.8rem;margin-top:1rem}
.insurance-vertical .insurance-metric{padding:1rem;border:1px solid var(--insurance-border);border-radius:1rem;background:var(--insurance-white)}
.insurance-vertical .insurance-metric strong{display:block;color:var(--insurance-navy);font-size:1.35rem}
.insurance-vertical .insurance-source-note{margin-top:1.2rem;padding:1rem 1.1rem;border-radius:1rem;background:var(--insurance-light);color:var(--insurance-steel);font-size:.94rem;line-height:1.7}
.insurance-vertical .insurance-source-note a{font-weight:750;text-decoration:underline;text-underline-offset:4px}
.insurance-vertical .insurance-flow-list{display:grid;gap:.75rem;margin:1rem 0;padding:0;list-style:none;counter-reset:flow}
.insurance-vertical .insurance-flow-list li{position:relative;padding:1rem 1rem 1rem 3.35rem;border:1px solid var(--insurance-border);border-radius:1rem;background:var(--insurance-white);color:var(--insurance-steel);line-height:1.65;counter-increment:flow}
.insurance-vertical .insurance-flow-list li::before{content:counter(flow);position:absolute;left:1rem;top:.9rem;display:grid;place-items:center;width:1.75rem;height:1.75rem;border-radius:.55rem;background:var(--insurance-teal-soft);color:var(--insurance-teal);font-weight:800}
.insurance-vertical .insurance-inline-actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.1rem}
.insurance-vertical .insurance-disclosure{font-size:.9rem;color:var(--insurance-steel);line-height:1.65}
@media (min-width:768px){
  .insurance-vertical .insurance-module-grid,.insurance-vertical .insurance-evidence-grid,.insurance-vertical .insurance-capacity-grid,.insurance-vertical .insurance-case-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .insurance-vertical .insurance-metric-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
}
@media print{
  .insurance-vertical .site-header,.insurance-vertical .footer,.insurance-vertical .action-row,.insurance-vertical .insurance-inline-actions{display:none!important}
  .insurance-vertical .insurance-section{padding:1.2rem 0}
  .insurance-vertical .insurance-card,.insurance-vertical .insurance-compare-wrap{box-shadow:none;break-inside:avoid}
  .insurance-vertical .insurance-hero{background:#fff!important;border:1px solid #bbb;box-shadow:none}
  .insurance-vertical .insurance-hero h1,.insurance-vertical .insurance-hero p,.insurance-vertical .insurance-hero .eyebrow{color:#111!important}
}