/* ── InsurHubX Shared Styles ── */
:root{
  --deep-ocean:#041F22;
  --teal:#0F766E;
  --dark-teal:#134E4A;
  --copper:#B87333;
  --gold:#D9A441;
  --offwhite:#F2F0EA;
  --offwhite-dim:rgba(242,240,234,0.65);
  --offwhite-faint:rgba(242,240,234,0.08);
  --max:1120px;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{background:var(--deep-ocean);color:var(--offwhite);font-family:'Inter',sans-serif;line-height:1.6;overflow-x:hidden;}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;font-weight:800;letter-spacing:-0.02em;}
a{color:inherit;text-decoration:none;}
.wrap{max-width:var(--max);margin:0 auto;padding:0 32px;}

nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(4,31,34,0.9);backdrop-filter:blur(12px);border-bottom:1px solid rgba(217,164,65,0.12);}
nav .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;}
.logo{font-family:'Montserrat',sans-serif;font-weight:900;font-size:20px;color:var(--offwhite);}
.logo span{color:var(--copper);}
.nav-links{display:flex;gap:6px;align-items:center;}
.nav-links a{font-size:13px;font-weight:500;color:var(--offwhite-dim);padding:7px 13px;border-radius:6px;transition:color .2s,background .2s;}
.nav-links a:hover{color:var(--offwhite);background:rgba(242,240,234,0.06);}
.nav-links a.active{color:var(--gold);}
.nav-cta{background:var(--copper);color:var(--deep-ocean)!important;font-weight:600!important;padding:9px 20px!important;border-radius:6px;transition:background .2s!important;}
.nav-cta:hover{background:var(--gold)!important;}
@media(max-width:800px){.nav-links .hide-mob{display:none;}}

.page-header{padding:130px 0 64px;border-bottom:1px solid rgba(242,240,234,0.08);}
.page-header .eyebrow{display:inline-block;font-size:12px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:var(--gold);border:1px solid rgba(217,164,65,0.3);padding:6px 16px;border-radius:100px;margin-bottom:20px;background:rgba(217,164,65,0.06);}
.page-header h1{font-size:clamp(32px,5vw,54px);margin-bottom:16px;}
.page-header h1 span{color:var(--copper);}
.page-header p{font-size:17px;color:rgba(242,240,234,0.65);max-width:580px;}

.divider{display:flex;align-items:center;margin:60px 0;}
.divider::before,.divider::after{content:'';flex:1;height:1px;background:linear-gradient(90deg,transparent,rgba(184,115,51,0.2),transparent);}
.divider-x{font-family:'Montserrat',sans-serif;font-weight:900;font-size:18px;color:var(--copper);padding:0 20px;opacity:0.5;}

.tag{display:inline-block;font-size:11px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;padding:4px 12px;border-radius:100px;}
.tag-teal{background:rgba(15,118,110,0.18);color:#5DCAA5;border:1px solid rgba(15,118,110,0.3);}
.tag-copper{background:rgba(184,115,51,0.15);color:var(--copper);border:1px solid rgba(184,115,51,0.3);}
.tag-gold{background:rgba(217,164,65,0.12);color:var(--gold);border:1px solid rgba(217,164,65,0.25);}
.tag-dim{background:rgba(242,240,234,0.06);color:rgba(242,240,234,0.55);border:1px solid rgba(242,240,234,0.1);}

.card{background:rgba(255,255,255,0.025);border:1px solid rgba(242,240,234,0.08);border-radius:12px;padding:28px 24px;transition:transform .25s,border-color .25s,background .25s;}
.card:hover{transform:translateY(-4px);border-color:rgba(184,115,51,0.3);background:rgba(255,255,255,0.04);}

.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;}
@media(max-width:900px){.grid-3{grid-template-columns:repeat(2,1fr);}}
@media(max-width:600px){.grid-3{grid-template-columns:1fr;}.grid-2{grid-template-columns:1fr;}}

footer{border-top:1px solid rgba(242,240,234,0.08);padding:48px 0 36px;margin-top:80px;text-align:center;}
.footer-logo{font-family:'Montserrat',sans-serif;font-weight:900;font-size:20px;margin-bottom:16px;display:block;color:var(--offwhite);}
.footer-logo span{color:var(--copper);}
.footer-links{display:flex;justify-content:center;gap:8px;flex-wrap:wrap;margin-bottom:24px;}
.footer-links a{font-size:13px;font-weight:500;color:rgba(242,240,234,0.55);padding:6px 12px;border-radius:6px;transition:color .2s;}
.footer-links a:hover{color:var(--gold);}
.footer-fine{font-size:12px;color:rgba(242,240,234,0.3);}

.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease;}
.reveal.visible{opacity:1;transform:translateY(0);}
@media(prefers-reduced-motion:reduce){.reveal{transition:none;opacity:1;transform:none;}}