/* CAPS Insurance — Premium HTML redesign · Preview V1. No Elementor/WordPress/runtime libraries. */
:root{--ink:#152738;--ink-2:#30465a;--navy:#0b2638;--dark:#082334;--cyan:#19bde0;--cyan-deep:#0879a1;--gold:#c99865;--paper:#f7f8f8;--pale:#eef5f6;--line:#d8e2e5;--white:#fff;--shadow:0 24px 64px rgba(12,40,59,.13);--radius:25px;--max:1200px}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}a{color:inherit}button,input{font:inherit}.container{width:min(calc(100% - 64px),var(--max));margin-inline:auto}::selection{background:#b0ecf6;color:#092235}.skip{position:absolute;left:12px;top:-55px;z-index:200;background:#fff;color:#111;padding:12px 15px}.skip:focus{top:12px}
.utility{background:#071f2e;color:#dfe9ef;font-size:.75rem;font-weight:650;letter-spacing:.05em}.utility .container{display:flex;justify-content:space-between;align-items:center;min-height:34px;gap:12px}.utility a{text-decoration:none}.utility a:hover{color:var(--cyan)}.utility .dot{color:var(--cyan);margin-inline:8px}
.header{z-index:30;position:sticky;top:0;background:rgba(255,255,255,.95);border-bottom:1px solid rgba(10,32,48,.08);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);transition:box-shadow .3s ease}.header.scrolled{box-shadow:0 12px 32px rgba(10,36,51,.09)}.header .container{height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand img{width:224px;max-width:100%;height:auto}.menu{display:flex;align-items:center;gap:24px;margin-left:auto}.menu a{position:relative;text-decoration:none;color:#293b4b;font-size:.89rem;font-weight:650;white-space:nowrap;padding:10px 0}.menu a::after{content:"";position:absolute;bottom:5px;left:0;right:100%;border-bottom:2px solid var(--cyan);transition:right .25s ease}.menu a:hover::after,.menu a[aria-current="page"]::after{right:0}.menu a[aria-current="page"]{color:var(--cyan-deep)}.header .primary{font-size:.81rem;padding:13px 18px}.menu-toggle{display:none;cursor:pointer;border:1px solid var(--line);background:#fff;padding:11px;border-radius:13px}.menu-toggle span{display:block;width:20px;height:2px;background:#1b3244;margin:4px}
.primary,.secondary,.pill-link{display:inline-flex;gap:12px;align-items:center;justify-content:center;text-decoration:none;border-radius:999px;white-space:nowrap;font-weight:750;letter-spacing:.01em;transition:transform .24s ease,background .24s ease,box-shadow .24s ease,color .24s ease}.primary{background:var(--cyan);color:#06283e;padding:16px 24px;box-shadow:0 9px 20px rgba(18,173,204,.18)}.primary:hover{background:#4dd5ee;transform:translateY(-2px);box-shadow:0 14px 24px rgba(18,173,204,.25)}.secondary{border:1px solid #a9bbc4;background:transparent;color:var(--ink);padding:16px 23px}.secondary:hover{border-color:#1a90b6;background:#f3fafb;transform:translateY(-2px)}.arrow{display:inline-block;transition:transform .25s}.primary:hover .arrow,.secondary:hover .arrow,.text-link:hover .arrow{transform:translate(3px,-3px)}.text-link{color:var(--cyan-deep);font-weight:750;text-decoration:none;display:inline-flex;gap:8px;align-items:center}.text-link:hover{text-decoration:underline;text-underline-offset:5px}
.kicker{font-size:.73rem;font-weight:850;letter-spacing:.21em;text-transform:uppercase;color:var(--cyan-deep)}.heading-serif{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.052em;font-weight:500}.display{font-size:clamp(3.2rem,5.4vw,5.65rem);line-height:1.06;margin:20px 0 22px}.display em{color:var(--cyan-deep);font-weight:400;font-style:italic}.lede{font-size:1.14rem;line-height:1.8;color:#546674;max-width:650px}.btn-row{display:flex;flex-wrap:wrap;gap:13px;align-items:center;margin-top:32px}.tiny-caption{font-size:.78rem;color:#78909c}
.hero{position:relative;padding:82px 0 72px;overflow:hidden;background:radial-gradient(ellipse 66% 95% at 108% 6%,#daf3f5 0%,transparent 68%),linear-gradient(125deg,#fdfefd,#f3f6f6)}.hero:before{content:"";position:absolute;top:64px;left:-130px;width:320px;height:320px;border-radius:50%;border:1px solid #e8eef0;pointer-events:none}.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:5.8%;align-items:center}.hero .lede{max-width:535px}.hero-tagline{margin-top:39px;display:flex;gap:13px;align-items:center;color:#586e7e;font-size:.82rem;font-weight:650}.hero-tagline i{display:inline-block;height:1px;width:40px;background:var(--gold)}.hero-photo{position:relative;isolation:isolate;min-height:495px;border-radius:230px 230px 32px 32px;overflow:hidden;box-shadow:var(--shadow);background:#c9e0e7}.hero-photo img{position:absolute;inset:0;height:100%;width:100%;object-fit:cover;object-position:center center;filter:contrast(1.04) saturate(.83);transition:transform .9s cubic-bezier(.16,.7,.3,1)}.hero-photo:hover img{transform:scale(1.045)}.hero-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(6,29,45,.71) 100%)}.photo-legend{position:absolute;z-index:2;bottom:32px;left:36px;right:32px;color:#fff}.photo-legend span{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;font-weight:750;color:#a9f0fa}.photo-legend strong{display:block;font-size:1.32rem;font-weight:550;line-height:1.35;margin-top:7px;max-width:365px}.floating-note{position:absolute;bottom:43px;left:-38px;background:#fff;color:var(--ink);border-radius:18px;padding:17px 21px;box-shadow:var(--shadow);display:flex;align-items:center;gap:13px;font-size:.82rem;font-weight:750;z-index:3}.floating-note i{font-style:normal;background:#ddf8fc;border-radius:11px;padding:11px;color:#087aa4}.hero-art{position:relative;padding-left:13px}.orb{position:absolute;width:205px;height:205px;border-radius:50%;border:1px solid #b9dfe8;right:-58px;top:-35px;z-index:0}.orb:after{content:"";position:absolute;inset:24px;border-radius:50%;border:1px solid #b9dfe8}.hero-art>*:not(.orb){position:relative}
.category-strip{background:var(--navy);color:#fff;padding:21px 0}.strip-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}.strip-label{font-size:.7rem;text-transform:uppercase;letter-spacing:.17em;font-weight:800;color:#9bc4d0}.strip-items{display:flex;gap:16px 30px;flex-wrap:wrap;font-size:.85rem;font-weight:700}.strip-items span::before{content:'✦';font-size:.55rem;margin-right:9px;color:#70d7ea}
.section{padding:106px 0}.section-head{max-width:760px;margin-bottom:44px}.section-head h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.5rem,4.3vw,4rem);font-weight:500;letter-spacing:-.055em;line-height:1.12;margin:14px 0}.section-head p{font-size:1.01rem;line-height:1.75;color:#687988}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.service{min-height:320px;position:relative;border-radius:23px;padding:28px 24px 24px;background:#fff;border:1px solid #e2ebee;display:flex;flex-direction:column;box-shadow:0 8px 32px rgba(10,38,54,.035);transition:transform .3s ease,box-shadow .3s ease,border-color .3s}.service:hover{transform:translateY(-7px);box-shadow:0 19px 45px rgba(10,38,54,.1);border-color:#b0e3eb}.service-icon{height:58px;width:58px;background:#e4f7f9;border-radius:16px;display:grid;place-items:center;color:var(--cyan-deep)}.service-icon svg{height:31px;width:31px}.service h3{font-size:1.22rem;margin:24px 0 12px;letter-spacing:-.025em}.service p{font-size:.85rem;color:#677a89;line-height:1.75;margin:0 0 25px}.service .text-link{font-size:.82rem;margin-top:auto}
.spotlight{background:var(--pale)}.split{display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:center}.spotlight-img{position:relative;min-height:420px;border-radius:28px;overflow:hidden;box-shadow:var(--shadow)}.spotlight-img img{height:100%;width:100%;object-fit:cover;position:absolute;inset:0}.spotlight-img .label-bottom{position:absolute;bottom:0;left:0;right:0;padding:70px 26px 24px;color:#fff;background:linear-gradient(transparent,#0a2335b8);font-weight:700}.split h2,.commercial h2{font-size:clamp(2.45rem,4.25vw,3.8rem);line-height:1.12;margin:16px 0 23px;letter-spacing:-.052em}.split p,.commercial p{font-size:.97rem;line-height:1.8;color:#617482}.check-list{margin:20px 0 28px;padding:0;list-style:none;display:grid;gap:13px}.check-list li{display:flex;align-items:flex-start;gap:12px;color:#3b5666;font-size:.9rem;line-height:1.55}.check-list li::before{content:'✓';background:#d6f5f6;color:#047e9e;border-radius:50%;width:22px;height:22px;display:grid;place-items:center;flex:none;font-weight:850}
.dark-section{background:#0b2a3d;color:#fff;position:relative;overflow:hidden}.dark-section:after{content:"";position:absolute;right:-140px;top:-130px;width:510px;height:510px;border:1px solid #276177;border-radius:50%;opacity:.55}.dark-section .kicker{color:#71ddec}.dark-section h2{color:#fff}.dark-section p{color:#b2ced9}.commercial .split{position:relative;z-index:1}.business-types{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.business-types div{background:rgba(255,255,255,.055);border:1px solid rgba(179,225,239,.18);border-radius:19px;padding:23px;min-height:117px;font-size:.94rem;font-weight:650;color:#eef9fb}.business-types span{color:#5cd4eb;display:block;font-size:.8rem;margin-bottom:14px}.dark-section .secondary{color:#fff;border-color:#6e98ab}.dark-section .secondary:hover{background:#123e53}
.process{background:#fff}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:34px}.step{padding:12px 18px 0 0}.step b{font-family:Georgia,serif;font-size:3.1rem;color:#b4e2eb;font-weight:500}.step h3{font-size:1.18rem;letter-spacing:-.02em;margin:18px 0 9px}.step p{color:#677984;font-size:.9rem;line-height:1.75}.step:after{content:"";display:block;width:70px;height:2px;background:#26bfdc;margin-top:23px}
.faq-list{display:grid;grid-template-columns:.85fr 1.15fr;gap:6%;align-items:start}.faq-list h2{font-size:clamp(2.55rem,4.3vw,3.9rem);line-height:1.1;margin:15px 0;letter-spacing:-.05em}.faq-list .lede{font-size:.97rem}.accordions{border-top:1px solid #cddce1}.accordions details{border-bottom:1px solid #cddce1}.accordions summary{list-style:none;cursor:pointer;font-weight:700;color:#1b3545;padding:22px 38px 22px 0;position:relative;line-height:1.4}.accordions summary::-webkit-details-marker{display:none}.accordions summary:after{content:'+';position:absolute;right:6px;top:16px;font-size:1.5rem;font-weight:400;color:#0799b7}.accordions details[open] summary:after{content:'–'}.accordions details p{padding:0 16px 21px 0;color:#657989;font-size:.91rem;line-height:1.75;margin:0}
.blog-feature{display:grid;grid-template-columns:1fr 1fr;gap:35px;padding:22px;background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:0 18px 52px rgba(19,56,76,.045);align-items:center}.blog-feature img{width:100%;aspect-ratio:1.75;object-fit:cover;border-radius:18px}.blog-feature .copy{padding:18px 22px 18px 0}.blog-feature h3{font-family:Georgia,serif;font-weight:500;letter-spacing:-.04em;font-size:clamp(1.7rem,2.7vw,2.5rem);line-height:1.2;margin:11px 0}.blog-feature p{color:#647888;font-size:.9rem;line-height:1.7}
.cta-banner{background:linear-gradient(110deg,#0a2739,#0d3b52);border-radius:30px;padding:64px 70px;display:flex;align-items:center;justify-content:space-between;gap:25px;color:#fff;position:relative;overflow:hidden}.cta-banner:before{content:"";position:absolute;right:23%;top:-120px;width:330px;height:330px;border:1px solid #21637b;border-radius:50%}.cta-banner .kicker{color:#80def0}.cta-banner h2{font-family:Georgia,serif;font-weight:500;letter-spacing:-.04em;font-size:clamp(2.1rem,3.9vw,3.35rem);margin:13px 0}.cta-banner p{color:#bfd1db;line-height:1.7;max-width:530px}.cta-banner .primary{position:relative;z-index:2}
.footer{background:#061c2a;color:#d6e5ec;padding:70px 0 26px;margin-top:0}.footer-main{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.1fr;gap:32px}.footer .brand img{width:225px;filter:brightness(0) invert(1)}.footer p{font-size:.83rem;color:#9ab6c3;line-height:1.8}.footer h3{font-size:.86rem;letter-spacing:.03em;color:#fff;margin:4px 0 18px}.footer-links{list-style:none;padding:0;margin:0;display:grid;gap:11px}.footer-links a{font-size:.82rem;color:#a9c6d1;text-decoration:none}.footer-links a:hover{color:#70ddea}.footer-fine{border-top:1px solid #183a4a;margin-top:51px;padding-top:23px;display:flex;justify-content:space-between;gap:15px;font-size:.75rem;color:#87a7b7;line-height:1.5}
/* Interior pages */
.interior-hero{padding:83px 0 82px;background:linear-gradient(114deg,#f6f8f8,#e7f4f6);overflow:hidden}.interior-hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:7%;align-items:center}.interior-hero h1{font-family:Georgia,serif;font-size:clamp(3rem,5.4vw,5.3rem);font-weight:500;letter-spacing:-.052em;line-height:1.09;margin:17px 0 18px}.interior-hero p:not(.kicker){color:#54707e;line-height:1.8;font-size:1.05rem;max-width:650px}.interior-visual{background:#0c3b50;color:#fff;min-height:300px;border-radius:28px;display:flex;justify-content:center;align-items:center;overflow:hidden;position:relative;padding:45px}.interior-visual:before,.interior-visual:after{content:"";position:absolute;border:1px solid #3e8797;border-radius:50%;width:370px;height:370px}.interior-visual:after{width:250px;height:250px}.interior-visual svg{width:110px;height:110px;position:relative;z-index:1;color:#88e1ef}.breadcrumb{font-size:.76rem;letter-spacing:.02em;color:#5c7582;display:flex;gap:10px;align-items:center;margin:0 0 21px}.breadcrumb a{text-decoration:none;color:#137e9c}.inner-content{max-width:820px}.inner-content h2{font-family:Georgia,serif;font-size:clamp(2.05rem,3.4vw,3rem);font-weight:500;letter-spacing:-.04em;line-height:1.15;margin:30px 0 17px}.inner-content h3{font-size:1.17rem;margin:26px 0 8px}.inner-content p,.inner-content li{color:#546b79;line-height:1.86;font-size:.99rem}.inner-content ul{padding-left:20px}.inner-content a:not(.primary):not(.secondary){color:var(--cyan-deep);text-underline-offset:3px}.info-layout{display:grid;grid-template-columns:1fr 335px;gap:85px;align-items:start}.side-card{position:sticky;top:117px;background:#fff;border:1px solid var(--line);box-shadow:0 15px 40px rgba(19,56,76,.045);padding:30px;border-radius:23px}.side-card h3{margin:0 0 9px;letter-spacing:-.025em;font-size:1.22rem}.side-card p{font-size:.88rem;line-height:1.7;color:#697b87}.side-card .primary,.side-card .secondary{width:100%;margin-top:10px;font-size:.84rem;padding:13px}.faq-inline{margin-top:40px}.faq-inline h2{font-family:Georgia,serif;font-size:2.3rem;font-weight:500;letter-spacing:-.04em}.local-area{padding:26px 0;border-block:1px solid var(--line);color:#5e7482;font-size:.86rem}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:29px}.trust-grid div{border:1px solid var(--line);background:#fff;border-radius:19px;padding:24px}.trust-grid strong{display:block;font-size:1.07rem;margin-bottom:8px}.trust-grid p{font-size:.88rem;color:#687c89;line-height:1.65;margin:0}
/* Full blog and article */
.blog-hero{padding:68px 0 50px;background:linear-gradient(#eaf5f6,#f7f8f8)}.blog-hero h1{font:500 clamp(2.8rem,5vw,4.8rem)/1.12 Georgia,serif;letter-spacing:-.055em;margin:12px 0}.blog-index-intro{max-width:700px;color:#607789;font-size:1.04rem;line-height:1.85}.article-page{background:#fff}.article-head{padding:66px 0 29px;max-width:930px}.article-head h1{font:500 clamp(2.85rem,4.7vw,4.7rem)/1.12 Georgia,serif;letter-spacing:-.05em;margin:15px 0 25px}.article-head p{color:#586e7b;font-size:1.12rem;line-height:1.72}.article-meta{display:flex;gap:14px;flex-wrap:wrap;color:#6b7f89;font-size:.82rem;margin-top:25px}.article-figure{max-width:1040px;margin:0 auto}.article-figure img{width:100%;height:auto;border-radius:19px;object-fit:cover}.article-figure figcaption{color:#728b98;font-size:.75rem;padding-top:10px}.article-columns{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:55px;align-items:start;max-width:1040px;margin:48px auto 90px}.article-body{min-width:0}.article-body h2{font:500 clamp(1.7rem,2.6vw,2.2rem)/1.18 Georgia,serif;letter-spacing:-.04em;margin:42px 0 12px;color:#15344a}.article-body h3{font-size:1.19rem;line-height:1.4;margin:30px 0 9px;color:#16364a}.article-body p,.article-body li{color:#435d6d;line-height:1.84;font-size:.99rem}.article-body a{color:#087e9e;overflow-wrap:anywhere}.article-body table{border-collapse:collapse;width:100%;margin:23px 0;font-size:.86rem}.article-body th,.article-body td{border:1px solid #d8e5e9;padding:13px;vertical-align:top;text-align:left;line-height:1.6}.article-body th{background:#e8f5f7;color:#234353}.article-body ol li{margin:10px 0}.article-body .quick-answer,.article-body .article-cta{background:#ecf7f8;border-radius:19px;padding:25px 29px;margin:30px 0}.article-body .article-cta{background:#0e3346;color:#fff}.article-body .article-cta h2,.article-body .article-cta p{color:#fff}.article-body .article-cta .cta-note{font-size:.76rem;color:#bad3db}.article-body .article-cta a{color:#a9edf8}.article-body .article-cta a.primary{color:#07283b;margin:8px 5px 8px 0}.article-body .article-sources{background:#f4f7f8;border-radius:18px;padding:25px;overflow-wrap:anywhere}.article-body .article-sources li{font-size:.82rem}.article-body .article-disclaimer{font-size:.81rem;color:#758895}.toc{position:sticky;top:119px;border-top:3px solid var(--cyan);padding:15px 0 0}.toc b{display:block;color:#15384b;font-size:.85rem;margin:0 0 15px}.toc a{display:block;text-decoration:none;color:#617987;font-size:.86rem;padding:8px 0}.toc a:hover{color:#057da1}
.contact-choices{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.contact-choice{padding:30px;background:#fff;border:1px solid var(--line);border-radius:23px}.contact-choice b{display:block;margin-bottom:13px;font-size:1.08rem}.contact-choice p{color:#587080;line-height:1.65;font-size:.92rem}.contact-choice a{color:var(--cyan-deep);font-weight:700}.preview-ribbon{position:fixed;bottom:14px;right:14px;padding:8px 12px;z-index:100;background:#f3cf79;color:#172f41;font-weight:800;font-size:.7rem;border-radius:999px;box-shadow:0 5px 20px rgba(10,36,54,.17)}
/* Motion is progressive enhancement: without JS all content remains visible. */
@media(prefers-reduced-motion:no-preference){.motion-on [data-reveal]:not(.revealed){opacity:0;transform:translateY(24px);transition:opacity .75s ease,transform .9s cubic-bezier(.16,.85,.22,1)}.motion-on [data-reveal="left"]:not(.revealed){transform:translateX(-50px)}.motion-on [data-reveal="right"]:not(.revealed){transform:translateX(50px)}.motion-on [data-reveal="scale"]:not(.revealed){transform:scale(.95)}.motion-on [data-reveal].revealed{opacity:1;transform:none;transition:opacity .8s ease,transform .85s cubic-bezier(.16,.85,.22,1)}.motion-on [data-delay="1"]{transition-delay:.12s}.motion-on [data-delay="2"]{transition-delay:.22s}.motion-on [data-delay="3"]{transition-delay:.34s}.motion-on [data-delay="4"]{transition-delay:.46s}.hero-art .orb{animation:float 9s ease-in-out infinite alternate}@keyframes float{to{transform:translateY(22px) rotate(12deg)}}}
@media(max-width:1080px){.menu{gap:17px}.brand img{width:198px}.header .container{gap:12px}.header .primary{font-size:.76rem;padding:13px}.cards{grid-template-columns:repeat(2,1fr)}.service{min-height:280px}}
@media(max-width:900px){.container{width:min(calc(100% - 40px),var(--max))}.header .container{height:70px}.menu-toggle{display:block;margin-left:auto}.menu{display:none;position:absolute;top:70px;left:0;right:0;padding:14px 20px 22px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 19px 25px rgba(11,38,55,.12);flex-direction:column;align-items:stretch;gap:0}.menu.open{display:flex}.menu a{font-size:1rem;padding:13px 7px}.menu a:after{bottom:8px}.header .primary{display:none}.hero{padding:61px 0}.hero-grid,.split,.interior-hero .grid{grid-template-columns:1fr;gap:48px}.hero-photo{min-height:430px}.hero-art{padding-left:30px;padding-right:15px}.floating-note{left:0}.faq-list{grid-template-columns:1fr;gap:22px}.info-layout{grid-template-columns:1fr;gap:35px}.side-card{position:static}.article-columns{grid-template-columns:1fr}.toc{display:none}.footer-main{grid-template-columns:repeat(2,1fr)}.contact-choices{grid-template-columns:1fr}.commercial .split>.business-types{grid-row:2}.section{padding:79px 0}}
@media(max-width:640px){.utility .container{min-height:38px;justify-content:center}.utility .extra{display:none}.header .container{height:65px}.brand img{width:186px}.menu{top:65px}.container{width:calc(100% - 34px)}.hero{padding:43px 0 50px}.display{font-size:clamp(2.9rem,11vw,4.1rem)}.lede{font-size:1rem}.hero-grid{gap:35px}.hero-art{padding:0 0 0 15px}.hero-photo{min-height:360px;border-radius:190px 190px 25px 25px}.floating-note{left:-2px;bottom:24px;padding:12px;font-size:.69rem}.photo-legend{left:19px;bottom:19px}.photo-legend strong{font-size:1.07rem;max-width:280px}.photo-legend span{font-size:.62rem}.btn-row .primary,.btn-row .secondary{padding:14px 19px;font-size:.85rem}.strip-items{gap:12px 17px;font-size:.77rem}.strip-label{width:100%}.section{padding:72px 0}.section-head h2{font-size:2.65rem}.cards{grid-template-columns:1fr}.service{min-height:245px}.split h2,.commercial h2,.faq-list h2{font-size:2.65rem}.spotlight-img{min-height:290px}.business-types{gap:11px}.business-types div{min-height:93px;padding:18px;font-size:.8rem}.steps{grid-template-columns:1fr;gap:17px}.step:after{margin-top:10px}.blog-feature{grid-template-columns:1fr;gap:5px}.blog-feature .copy{padding:9px 10px 18px}.cta-banner{padding:40px 26px;display:block}.cta-banner .primary{margin-top:21px}.footer-main{grid-template-columns:1fr 1fr;gap:30px 20px}.footer-main>div:first-child{grid-column:span 2}.footer-fine{display:block}.interior-hero{padding:51px 0}.interior-hero h1{font-size:2.9rem}.interior-visual{min-height:190px}.trust-grid{grid-template-columns:1fr}.article-head{padding:45px 0 23px}.article-head h1{font-size:2.8rem}.article-head p{font-size:.98rem}.article-body th,.article-body td{padding:10px;font-size:.76rem}.article-figure img{border-radius:8px}.article-columns{margin:30px auto 65px}.article-body .quick-answer,.article-body .article-cta{padding:18px}.article-body .article-sources{padding:17px}.blog-hero{padding:49px 0 25px}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;animation-duration:.001ms!important;transition-duration:.001ms!important}.page-veil{display:none}}

/* CAPS premium review v2: blog conversion and useful reading pathways */
.blog-related{padding:60px 0 30px;border-top:1px solid #d8e2e5;margin-top:54px}.blog-related h2{font:500 clamp(1.8rem,3.5vw,2.6rem)/1.17 Georgia,"Times New Roman",serif;max-width:820px;margin:14px 0 26px;letter-spacing:-.04em}.blog-related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.related-card{text-decoration:none;display:flex;flex-direction:column;gap:14px;min-height:166px;padding:24px;border-radius:20px;background:#fff;border:1px solid #d8e2e5;transition:transform .22s,box-shadow .22s,border-color .22s}.related-card:hover{transform:translateY(-4px);box-shadow:0 14px 35px rgba(12,40,59,.10);border-color:#19bde0}.related-card strong{color:#152738;font-size:1.05rem}.related-card span{color:#5c7180;line-height:1.6;font-size:.92rem}.blog-index-cta{background:linear-gradient(110deg,#e8f7f8,#f4f9f9);padding:75px 0}.blog-index-cta h2{font:500 clamp(2rem,4vw,3.5rem)/1.15 Georgia,"Times New Roman",serif;letter-spacing:-.04em;margin:12px 0}.blog-index-cta p:not(.kicker){max-width:680px;line-height:1.7;color:#526979}.article-cta .cta-actions{flex-wrap:wrap;gap:13px}@media(max-width:820px){.blog-related-grid{grid-template-columns:1fr}.related-card{min-height:auto}}

/* Blog expansion: branded visuals, premium guide cards, responsive reading design. */
.blog-guides-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:34px}.guide-card{border:1px solid #dce7ec;border-radius:23px;padding:33px 27px;background:#fff;display:flex;flex-direction:column;min-height:300px;box-shadow:0 12px 28px rgba(11,38,55,.035)}.guide-card .kicker{margin:24px 0 8px}.guide-card h3{font:500 clamp(1.4rem,2.1vw,1.9rem)/1.21 Georgia,serif;letter-spacing:-.03em;margin:8px 0 13px}.guide-card h3 a{color:#163347;text-decoration:none}.guide-card p:not(.kicker){line-height:1.7;color:#657a88}.guide-card .text-link{margin-top:auto;padding-top:18px}.guide-number{color:#7c92a0;font-size:.68rem;letter-spacing:.18em;font-weight:800}.article-visual{min-height:220px;padding:35px 45px;display:flex;justify-content:space-between;align-items:flex-end;border-radius:17px;background:radial-gradient(circle at 72% 40%,rgba(94,199,205,.45),transparent 30%),linear-gradient(108deg,#0c3245,#1a6a7b 72%,#2b9c99);color:#e8f9ff;overflow:hidden}.article-visual-mark{font-family:Georgia,serif;font-size:clamp(3rem,7vw,6rem);line-height:.9;letter-spacing:-.07em}.article-visual-mark em{display:block;font-family:Arial,sans-serif;font-style:normal;font-weight:600;letter-spacing:.6em;font-size:.11em;margin-top:20px}.article-visual>span{letter-spacing:.17em;font-size:.65rem;font-weight:700}.home-insights-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;margin-top:25px}.home-insight-link{border:1px solid #dce7ec;border-radius:17px;background:#fff;min-height:169px;display:flex;flex-direction:column;gap:11px;padding:24px;text-decoration:none;transition:transform .25s ease,box-shadow .25s ease}.home-insight-link:hover{transform:translateY(-4px);box-shadow:0 16px 35px rgba(11,38,55,.09)}.home-insight-link span{font-size:.68rem;color:#087e9e;text-transform:uppercase;letter-spacing:.11em;font-weight:800}.home-insight-link strong{font:500 1.25rem/1.22 Georgia,serif;color:#16364a}.home-insight-link small{color:#0b7c95;margin-top:auto;font-weight:800}.all-guides-link{margin-top:20px;text-align:right}.article-body .table-scroll{max-width:100%}@media(max-width:900px){.blog-guides-grid,.home-insights-grid{grid-template-columns:1fr 1fr}.article-visual{padding:26px;min-height:180px}}@media(max-width:650px){.blog-guides-grid,.home-insights-grid{grid-template-columns:1fr}.article-visual>span{display:none}}

/* Accessible legal terms page · CAPS Insurance preview v4 */
.legal-grid{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:65px;align-items:start}
.legal-copy{max-width:780px}
.legal-copy section{padding:5px 0 10px;scroll-margin-top:105px}
.legal-copy h2{font-size:clamp(1.7rem,2.5vw,2.25rem);margin-top:30px}
.legal-copy p{margin:12px 0;line-height:1.88}
.legal-highlight{padding:23px 26px;background:#eaf7fa;border:1px solid #afdbe6;border-left:5px solid #0879a1;border-radius:17px;line-height:1.72;color:#1c4b60;margin-bottom:30px}
.legal-aside{position:sticky;top:115px}
.legal-aside-card{background:#0b3044;border-radius:25px;padding:31px;color:#fff;box-shadow:0 20px 50px rgba(12,40,59,.15)}
.legal-aside-card h2{font:500 2rem/1.15 Georgia,serif;margin:12px 0}
.legal-aside-card p:not(.kicker){line-height:1.7;color:#c7dce5}
.legal-aside-card .primary{font-size:.84rem;padding:14px 17px;max-width:100%;white-space:normal;text-align:center}
.legal-secondary-link{display:block;text-decoration:underline;text-underline-offset:4px;margin-top:24px;color:#e1f5fb;font-weight:600}
.legal-afterword{margin-top:35px;padding:19px 22px;background:#f6f7f6;border:1px dashed #b2c3ca;border-radius:13px;line-height:1.75;color:#506878}
.legal-hero .interior-visual svg{z-index:1}
@media(max-width:950px){.legal-grid{grid-template-columns:1fr;gap:35px}.legal-aside{position:static}.legal-aside-card{max-width:520px}}
@media(max-width:600px){.legal-highlight{padding:18px}.legal-hero .interior-visual{min-height:170px}}
/* Performance QA: decorative orb must not enlarge the horizontal document width. */
.hero-art .orb{right:16px}
/* Reveal transforms must not create a sideways scrollbar before entering view. */
html,body{overflow-x:clip}

/* 2026-10 blog image and navigation improvements */

.article-cover{margin:0;position:relative;border-radius:18px;overflow:hidden;background:#e4eff0}
.article-cover img{display:block;width:100%;height:auto;aspect-ratio:40/21;object-fit:cover}
.article-cover figcaption{padding:7px 13px;color:#496270;background:#eef5f6;font-size:.75rem;line-height:1.5}
.article-return{display:inline-flex;align-items:center;gap:9px;color:#067895;text-underline-offset:4px;font-size:.90rem;font-weight:750;text-decoration:none;padding:14px 0}
.article-return:hover{text-decoration:underline}
.article-return:focus-visible,.guide-card-photo:focus-visible{outline:3px solid #126a8e;outline-offset:4px}
.article-head .article-return{margin:8px 0 -4px}
.article-bottom-nav{padding:12px 0 15px;border-top:1px solid #d8e2e5;margin-top:24px}
.guide-card-photo{display:block;margin:-33px -27px 16px;text-decoration:none;overflow:hidden;border-radius:22px 22px 0 0}
.guide-card-photo img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;transition:transform .35s ease}
.guide-card-photo:hover img{transform:scale(1.025)}
@media(max-width:640px){.article-cover figcaption{font-size:.70rem}.guide-card-photo{margin:-33px -27px 16px}}

/* v8: Never hide the document behind a page-navigation overlay. */