/* ================================================================ Insurance agencies: shelter (rainy slate, claret, ink, white) */
@property --open{syntax:'<number>';inherits:true;initial-value:1}
:root{
  --i-rain:#e9edf2; --i-mist:#dde3ea; --i-claret:#8a1538; --i-claret-d:#6c0f2b; --i-rose:#efadc1;
  --i-ink:#19202b; --i-ink-2:#2b3443; --i-muted:#4f5a69; --i-line:#cdd4de; --i-drop:#7f97b2; --i-paper:#fbfcfd;
  --i-serif:'DM Serif Display',Georgia,'Times New Roman',serif;
}
.pg-ins{background:var(--i-paper);color:var(--i-ink)}
.pg-ins h1,.pg-ins h2{font-family:var(--i-serif);font-weight:400;letter-spacing:-.012em;text-wrap:balance}
.pg-ins h2{margin:14px 0 0;font-size:clamp(36px,4.6vw,62px);line-height:1.03}
.pg-ins h1 em,.pg-ins h2 em{font-style:italic;color:var(--i-claret)}
.pg-ins :focus-visible{outline-color:var(--i-claret)}
.pg-ins .lab{color:var(--i-muted)}
.pg-ins .lab::before{content:"";width:16px;height:8px;border-radius:16px 16px 0 0;background:var(--i-claret)}
.pg-ins .fine{color:var(--i-ink)}
.pg-ins .fine .hl{background:#fff}
.pg-ins .fine .dot{background:var(--i-claret)}
.ins-head{max-width:780px;margin:0 auto;text-align:center}
.ins-head p{margin:16px auto 0;max-width:58ch;font-size:17.5px;line-height:1.6;color:var(--i-muted);text-wrap:pretty}
.ins-center{display:flex;justify-content:center;margin-top:40px}
.ins-nw{white-space:nowrap}
.ins-btn-c{background:var(--i-claret);color:#fff}
.ins-btn-c:hover{background:var(--i-claret-d)}
.ins-btn-line{background:transparent;color:var(--i-ink);box-shadow:inset 0 0 0 1.5px var(--i-ink)}
.ins-btn-line:hover{background:rgba(25,32,43,.06)}
.ins-btn-w{background:#fff;color:var(--i-claret)}
.ins-btn-w:hover{background:#f7e8ed}
.ins-btn-wl{background:transparent;color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.55)}
.ins-btn-wl:hover{box-shadow:inset 0 0 0 1.5px #fff}
.ins-lead{flex:1 1 auto;min-width:16px;height:3px;position:relative;top:-.28em;
  background:radial-gradient(circle,rgba(25,32,43,.5) 1.05px,transparent 1.45px) 0 50%/7px 3px repeat-x;transform-origin:0 50%}

/* ---------------------------------------------------------------- hero: the umbrella opens over the copy, rain falls outside it */
.ins-hero{--cw:min(840px,70vw);--pt:24px;--open:1;--cb:calc(var(--pt) + var(--cw) * var(--cbf));
  --vw:min(560px,calc(var(--cw) - 40px));--vg:clamp(10px,3vw,40px);
  position:relative;overflow:hidden;background:var(--i-rain);animation:ins-open 1.2s cubic-bezier(.3,1.32,.52,1) .3s both}
@keyframes ins-open{from{--open:.12}to{--open:1}}
.ins-sky{position:relative;padding-top:var(--pt)}
.ins-rain{position:absolute;inset:0;overflow:hidden;pointer-events:none;background:linear-gradient(180deg,rgba(92,116,146,.06),rgba(92,116,146,.13))}
.ins-rain i{position:absolute;top:0;left:0;width:1px;height:var(--h);opacity:var(--o);border-radius:1px;
  background:linear-gradient(180deg,rgba(127,151,178,0),var(--i-drop));animation:ins-fall var(--t) linear var(--d) infinite}
.ins-rain i.l{left:calc((50% - var(--cw) / 2) * var(--f))}
.ins-rain i.r{left:calc(50% + var(--cw) / 2 + (50% - var(--cw) / 2) * var(--f))}
.ins-rain i.m{left:calc(50% + var(--cw) * (var(--f) - .5));animation-name:ins-fall-m}
@keyframes ins-fall{from{transform:translate3d(0,-60px,0)}to{transform:translate3d(0,1500px,0)}}
@keyframes ins-fall-m{from{transform:translate3d(0,-40px,0)}to{transform:translate3d(0,calc(var(--cb) + 20px),0)}}
.ins-rip{position:absolute;bottom:3px;width:30px;height:8px;margin-left:-15px;border-radius:50%;box-shadow:inset 0 0 0 1.2px rgba(106,131,161,.8);
  opacity:0;animation:ins-rip 2.6s ease-out var(--d) infinite}
.ins-rip.l{left:calc((50% - var(--cw) / 2) * var(--f))}
.ins-rip.r{left:calc(50% + var(--cw) / 2 + (50% - var(--cw) / 2) * var(--f))}
@keyframes ins-rip{0%{transform:scale(.15);opacity:0}8%{opacity:.9}72%,100%{transform:scale(1.5);opacity:0}}
.ins-hero-in{position:relative;z-index:1;display:flex;flex-direction:column;align-items:center;text-align:center}
.ins-canopy{position:relative;z-index:2;flex:none;width:var(--cw)}
.ins-cnp{display:block;width:100%;height:auto;overflow:visible;transform-origin:50% 4%;transform:scale(var(--open),calc(.6 + .4 * var(--open)))}
.ins-rib path{stroke-width:1.3;vector-effect:non-scaling-stroke}
.ins-rib .o{stroke-width:1.7}
.ins-tips path{stroke-width:2;stroke-linecap:round;vector-effect:non-scaling-stroke}
.ins-top path[fill=none]{stroke-width:3;vector-effect:non-scaling-stroke}
.ins-drip{position:absolute;top:var(--dy);width:5px;height:7px;margin:-1px 0 0 -2.5px;border-radius:50% 50% 50% 50%/38% 38% 62% 62%;background:var(--i-drop);
  opacity:0;animation:ins-drip 3.6s linear 1.7s infinite}
.ins-drip.l{left:var(--dl)}
.ins-drip.r{left:var(--dr);animation-delay:3.5s}
@keyframes ins-drip{
  0%{transform:translateY(0) scale(.2);opacity:0}
  20%{transform:translateY(0) scale(1);opacity:1}
  27%{transform:translateY(2px) scale(.95,1.2);opacity:1;animation-timing-function:cubic-bezier(.5,0,1,.6)}
  60%{transform:translateY(300px) scale(.8,1.5);opacity:.85}
  64%,100%{transform:translateY(320px) scale(.8,1.5);opacity:0}}
.ins-shaft{display:block;flex:none;width:3px;background:var(--i-ink)}
.ins-shaft.a{position:relative;z-index:1;height:calc(var(--cw) * var(--sf) + 16px);margin-top:calc(var(--cw) * var(--sf) * -1)}
.ins-shaft.b{height:8px;margin-top:10px}
.ins-hook{display:block;flex:none;width:50px;height:48px}
.ins-copy{position:relative;z-index:2;width:100%;max-width:min(800px,calc(var(--cw) - 36px));margin-top:10px}
.ins-k{display:inline-flex;align-items:center;gap:10px;margin:0;font:500 11.5px/1.3 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--i-muted)}
.ins-k::before{content:"";flex:none;width:16px;height:8px;border-radius:16px 16px 0 0;background:var(--i-claret)}
.ins-hero h1{margin:12px 0 0;font-size:clamp(42px,6.8vw,76px);line-height:1.02;color:var(--i-ink)}
.ins-hero h1 > span{display:block}
.ins-sub{margin:14px auto 0;max-width:64ch;font-size:clamp(16.5px,1.25vw,18px);line-height:1.6;color:var(--i-muted);text-wrap:pretty}
.ins-cta{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;margin-top:22px}
.ins-hero .fine{margin-top:14px}
.ins-shelter{list-style:none;margin:2px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0 var(--vg);width:var(--vw)}
.ins-vig{display:block;color:var(--i-ink);transition:color .25s,transform .35s var(--ease)}
.ins-vig svg{display:block;width:100%;height:auto;overflow:visible}
.ins-vig .ln{fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.ins-vig .ln *,.ins-vig .ac{vector-effect:non-scaling-stroke}
.ins-vig .ac{stroke:currentColor;stroke-width:1.6;stroke-linejoin:round}
.ins-shelter .ins-vig:hover,
.ins-hero:has(.ins-caps li:nth-child(1) a:is(:hover,:focus-visible)) .ins-shelter li:nth-child(1) .ins-vig,
.ins-hero:has(.ins-caps li:nth-child(2) a:is(:hover,:focus-visible)) .ins-shelter li:nth-child(2) .ins-vig,
.ins-hero:has(.ins-caps li:nth-child(3) a:is(:hover,:focus-visible)) .ins-shelter li:nth-child(3) .ins-vig{color:var(--i-claret);transform:translateY(-3px)}
.ins-hero:has(.ins-shelter li:nth-child(1) .ins-vig:hover) .ins-caps li:nth-child(1) .q,
.ins-hero:has(.ins-shelter li:nth-child(2) .ins-vig:hover) .ins-caps li:nth-child(2) .q,
.ins-hero:has(.ins-shelter li:nth-child(3) .ins-vig:hover) .ins-caps li:nth-child(3) .q{color:var(--i-claret);text-decoration:underline}
.ins-ground{position:relative;background:var(--i-mist);border-top:1.5px solid rgba(25,32,43,.62)}
.ins-caps{list-style:none;margin:0 auto;padding:9px 0 14px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0 var(--vg);width:var(--vw);text-align:center}
.ins-caps a{display:inline-grid;gap:3px;justify-items:center;color:var(--i-ink);text-decoration:none;text-underline-offset:3px}
.ins-caps .k{font:500 10.5px/1.3 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--i-muted)}
.ins-caps .q{font:400 italic 14.5px/1.25 var(--i-serif)}
.ins-caps a:hover .q{color:var(--i-claret);text-decoration:underline}
.ins-hero.ins-off .ins-rain i,.ins-hero.ins-off .ins-rip,.ins-hero.ins-off .ins-drip{animation-play-state:paused}

/* ---------------------------------------------------------------- 01 how it works: the declarations page */
.ins-how{background:var(--i-paper);padding-block:clamp(64px,8vw,120px)}
.ins-dec{position:relative;max-width:960px;margin:clamp(36px,4vw,52px) auto 0;padding:clamp(22px,4vw,50px) clamp(18px,4.4vw,58px) clamp(20px,3vw,34px);
  background:#fff;border:1px solid var(--i-line);border-radius:4px;box-shadow:0 1px 0 rgba(25,32,43,.04),0 40px 70px -50px rgba(25,32,43,.5)}
.ins-dec-h{padding-bottom:16px;padding-right:150px;border-bottom:4px double var(--i-ink)}
.ins-dec-h h3{margin:0;font:400 clamp(34px,3.8vw,48px)/1 var(--i-serif)}
.ins-dec-h p{margin:10px 0 0;font:500 11px/1.5 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--i-muted)}
.ins-stamp{position:absolute;top:clamp(26px,4.4vw,52px);right:clamp(18px,4.4vw,58px);margin:0;padding:9px 14px 8px 17px;border:2.5px solid var(--i-claret);border-radius:6px;rotate:-7deg;
  font:500 15px/1 var(--mono);letter-spacing:.3em;text-transform:uppercase;color:var(--i-claret);opacity:.85;pointer-events:none}
.ins-dec dl{margin:0}
.ins-dec-row{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:4px 18px;align-items:baseline;padding:14px 0;border-bottom:1px solid #e3e7ed}
.ins-dec-row dt{display:flex;align-items:baseline;gap:12px;min-width:0;font:600 16.5px/1.35 var(--body)}
.ins-dec-row .no{flex:none;width:54px;font:500 10.5px/1 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--i-muted)}
.ins-dec-row dd{margin:0;font-size:16px;line-height:1.55;color:var(--i-ink-2)}
.ins-dec-prem dd b{font:400 22px/1 var(--i-serif);color:var(--i-claret)}
.ins-dec-prem dd a{color:var(--i-claret);font-weight:600;text-underline-offset:3px}
.ins-excl{margin-top:22px;padding:18px 20px 18px 22px;border-left:4px solid var(--i-claret);background:#f6f1f3}
.ins-excl h4{margin:0;font:500 11px/1.3 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--i-claret)}
.ins-excl ul{list-style:none;margin:10px 0 0;padding:0;display:grid;gap:8px}
.ins-excl li{display:flex;gap:10px;font-size:15.5px;line-height:1.5}
.ins-excl svg{width:17px;height:17px;flex:none;margin-top:3px;color:var(--i-claret)}
.ins-dec-f{margin:18px 0 0;font:500 10.5px/1.5 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--i-muted)}
.ins-dec.ins-pre .ins-lead{transform:scaleX(0)}
.ins-dec.ins-in .ins-lead{transform:scaleX(1);transition:transform .6s var(--ease) calc(var(--i) * 80ms + 120ms)}
.ins-dec.ins-pre .ins-stamp{opacity:0;scale:1.5}
.ins-dec.ins-in .ins-stamp{opacity:.85;scale:1;transition:opacity .2s ease 1.1s,scale .45s cubic-bezier(.3,1.6,.5,1) 1.1s}

/* ---------------------------------------------------------------- 02 sample calls: file folders */
.ins-calls{background:var(--i-ink);color:#fff;padding-block:clamp(64px,8vw,120px)}
.ins-calls .lab{color:#9ea9b8}
.ins-calls .lab::before{background:var(--i-rose)}
.ins-calls h2{color:#fff}
.ins-calls h2 em{color:var(--i-rose)}
.ins-calls .ins-head p{color:#b5bfcb}
.ins-calls :focus-visible{outline-color:var(--i-rose)}
.ins-cab{max-width:1080px;margin:clamp(36px,4vw,52px) auto 0}
.ins-tabs{position:relative;z-index:1;display:flex;gap:8px;padding-left:14px}
.ins-tabs [role=tab]{position:relative;isolation:isolate;flex:0 1 auto;min-width:0;display:flex;align-items:center;gap:11px;padding:14px 28px 12px 18px;
  border:0;background:none;color:#cdd5de;cursor:pointer;text-align:left}
.ins-tabs [role=tab]::before{content:"";position:absolute;z-index:-1;left:0;right:0;top:0;bottom:-1px;border-radius:12px 12px 0 0;background:#394354;
  transform:perspective(90px) rotateX(8deg);transform-origin:50% 100%;transition:background-color .2s}
.ins-tabs [role=tab]:hover::before{background:#4a5567}
.ins-tabs [role=tab][aria-selected=true]{color:var(--i-ink)}
.ins-tabs [role=tab][aria-selected=true]::before{background:#f2f4f7;bottom:-3px}
.ins-tabs [role=tab]:focus-visible{outline-offset:-4px;border-radius:12px 12px 0 0}
.ins-ti{width:24px;height:24px;flex:none;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.ins-tabs [aria-selected=true] .ins-ti{color:var(--i-claret)}
.ins-tl{display:grid;gap:4px;min-width:0}
.ins-tl b{font:600 15.5px/1.2 var(--body);white-space:nowrap}
.ins-tl span{font:500 10px/1.2 var(--mono);letter-spacing:.1em;text-transform:uppercase;opacity:.72;white-space:nowrap}
.ins-folder{position:relative;border-radius:6px 18px 18px 18px;background:#f2f4f7;color:var(--i-ink);padding:clamp(20px,3.4vw,44px);
  box-shadow:0 50px 80px -50px rgba(0,0,0,.85)}
.ins-folder:focus-visible{outline:2px solid var(--i-rose);outline-offset:4px}
.ins-file{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:clamp(22px,4vw,56px);align-items:start}
.ins-call-h{display:flex;flex-wrap:wrap;gap:6px 16px;margin:0;font:500 10.5px/1.4 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--i-muted)}
.ins-call-h .s{color:var(--i-claret)}
.ins-convo{list-style:none;margin:14px 0 0;padding:0}
.ins-convo li{display:grid;grid-template-columns:118px minmax(0,1fr);gap:4px 16px;padding:12px 0;border-top:1px solid #dce1e8}
.ins-convo b{padding-top:4px;font:500 10.5px/1.45 var(--mono);letter-spacing:.08em;text-transform:uppercase;color:var(--i-muted)}
.ins-convo .ai b{color:var(--i-claret)}
.ins-convo p{margin:0;font-size:16px;line-height:1.55}
.ins-convo .ai p{font:400 18px/1.45 var(--i-serif)}
.ins-intake{position:relative;padding:30px clamp(18px,2.4vw,28px) 22px;border-radius:6px;background:#fff;
  box-shadow:0 1px 0 rgba(25,32,43,.06),0 24px 44px -30px rgba(25,32,43,.55)}
.ins-clip{position:absolute;top:-17px;left:24px;width:20px;height:50px}
.ins-intake header{display:flex;justify-content:space-between;align-items:baseline;gap:10px;padding-bottom:12px;border-bottom:2px solid var(--i-ink)}
.ins-intake h3{margin:0;font:400 26px/1.1 var(--i-serif)}
.ins-intake header span{font:500 10.5px/1 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--i-muted)}
.ins-fields{margin:4px 0 0}
.ins-fields div{display:flex;align-items:baseline;gap:10px;padding:8px 0;border-bottom:1px solid #edf0f4}
.ins-fields dt{display:flex;align-items:baseline;gap:8px;flex:1 1 auto;min-width:88px;font:500 10.5px/1.4 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--i-muted)}
.ins-fields dd{margin:0;flex:0 1 auto;max-width:66%;text-align:right;font:600 15px/1.35 var(--body)}
.ins-out{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:8px}
.ins-chip{display:flex;align-items:flex-start;gap:10px;padding:10px 12px;border-radius:10px;font:600 14.5px/1.4 var(--body)}
.ins-chip svg{width:18px;height:18px;flex:none;margin-top:1px}
.ins-chip.flag{background:var(--i-claret);color:#fff}
.ins-chip.book{background:#fff;box-shadow:inset 0 0 0 1.5px var(--i-ink)}
.ins-chip.note{background:#eef1f5}
.ins-chip.note svg,.ins-chip.book svg{color:var(--i-claret)}
.ins-by{display:flex;align-items:center;gap:8px;margin:14px 0 0;font:500 10.5px/1.4 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--i-muted)}
.ins-by svg{width:15px;height:15px;flex:none}
.ins-calls-note{margin:22px auto 0;max-width:70ch;text-align:center;font-size:13.5px;line-height:1.5;color:#9ea9b8}

/* ---------------------------------------------------------------- 03 setup */
.ins-setup{background:var(--i-rain);padding-block:clamp(64px,8vw,120px)}
.ins-steps{list-style:none;margin:clamp(36px,4vw,52px) 0 0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1.5px solid var(--i-ink)}
.ins-steps li{padding:22px clamp(14px,2vw,28px) 6px;border-left:1px solid #c3ccd7}
.ins-steps li:first-child{border-left:0;padding-left:0}
.ins-steps .n{display:block;font:400 italic 58px/1 var(--i-serif);color:var(--i-claret)}
.ins-steps h3{margin:12px 0 0;font:600 18px/1.3 var(--body)}
.ins-steps p{margin:8px 0 0;max-width:34ch;font-size:15.5px;line-height:1.55;color:var(--i-muted)}

/* ---------------------------------------------------------------- 04 pricing: the premium notice */
.ins-price{background:var(--i-paper);padding-block:clamp(64px,8vw,120px)}
.ins-premium{max-width:1020px;margin:clamp(36px,4vw,52px) auto 0;border-radius:16px;background:#fff;overflow:hidden;
  box-shadow:0 0 0 1px var(--i-line),0 44px 80px -54px rgba(25,32,43,.55)}
.ins-prem-top{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:6px 20px;padding:18px clamp(20px,3.4vw,42px);background:var(--i-claret);color:#fff}
.ins-prem-top h3{margin:0;font:400 28px/1.1 var(--i-serif)}
.ins-prem-top span{font:500 10.5px/1.4 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:#f3c7d4}
.ins-prem-body{display:grid;grid-template-columns:minmax(0,.86fr) minmax(0,1.14fr)}
.ins-prem-base{padding:clamp(22px,3.4vw,42px);border-right:1px solid #e3e7ed}
.ins-big{display:flex;align-items:baseline;flex-wrap:wrap;gap:0 10px;margin:0;font:400 clamp(66px,7.4vw,104px)/.9 var(--i-serif);letter-spacing:-.02em}
.ins-big .cur{align-self:flex-start;margin-top:.1em;font-size:.46em;color:var(--i-claret)}
.ins-big .per{font:500 11px/1 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--i-muted)}
.ins-facts{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:11px}
.ins-facts li{display:flex;gap:10px;font-size:15.5px;line-height:1.5}
.ins-facts svg{width:18px;height:18px;flex:none;margin-top:2px;color:var(--i-claret)}
.ins-prem-calc{padding:clamp(22px,3.4vw,42px)}
.ins-est-l{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.ins-est-l label{font:500 11px/1.3 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--i-muted);cursor:pointer}
.ins-est-l b{font:400 32px/1 var(--i-serif);font-variant-numeric:tabular-nums;white-space:nowrap}
.ins-rail{--th:28px;position:relative;height:46px;margin-top:30px}
.ins-rail::before{content:"";position:absolute;left:0;right:0;top:50%;height:6px;margin-top:-3px;border-radius:3px;background:#dbe1e8}
.ins-rail::after{content:"";position:absolute;left:0;top:50%;width:calc(var(--th) / 2 + var(--p,.2222) * (100% - var(--th)));height:6px;margin-top:-3px;border-radius:3px;
  background:var(--i-claret);pointer-events:none}
.ins-ticks{position:absolute;left:0;right:0;top:calc(50% + 8px);height:6px;pointer-events:none}
.ins-ticks i{position:absolute;left:calc(var(--th) / 2 + var(--f) * (100% - var(--th)));width:1px;height:5px;background:#9aa5b3}
.ins-brolly{position:absolute;z-index:1;left:calc(var(--th) / 2 + var(--p,.2222) * (100% - var(--th)));bottom:calc(50% + 15px);width:30px;height:auto;translate:-50% 0;pointer-events:none}
.ins-rail input{position:absolute;z-index:2;inset:0;width:100%;height:100%;margin:0;background:transparent;cursor:pointer;-webkit-appearance:none;appearance:none}
.ins-rail input::-webkit-slider-runnable-track{height:46px;background:transparent}
.ins-rail input::-moz-range-track{height:46px;background:transparent}
.ins-rail input::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;margin-top:9px;border-radius:50%;background:#fff;
  box-shadow:inset 0 0 0 3px var(--i-claret),0 4px 10px -3px rgba(25,32,43,.45)}
.ins-rail input::-moz-range-thumb{width:28px;height:28px;border:0;border-radius:50%;background:#fff;box-shadow:inset 0 0 0 3px var(--i-claret),0 4px 10px -3px rgba(25,32,43,.45)}
.ins-rail input:focus{outline:none}
.ins-rail:has(input:focus-visible){outline:2px solid var(--i-claret);outline-offset:6px;border-radius:10px}
.ins-scale{position:relative;height:16px;margin-top:4px}
.ins-scale span{position:absolute;top:0;left:calc(14px + var(--f) * (100% - 28px));translate:-50% 0;font:500 10.5px/1 var(--mono);letter-spacing:.04em;color:var(--i-muted)}
.ins-scale span:first-child{left:0;translate:0}
.ins-scale span:last-child{left:100%;translate:-100% 0}
.ins-lines{margin:22px 0 0}
.ins-lines div{display:flex;align-items:baseline;gap:12px;padding:10px 0;border-bottom:1px solid #edf0f4}
.ins-lines dt{display:flex;align-items:baseline;gap:8px;flex:1 1 auto;min-width:0;font-size:15px;line-height:1.4;color:var(--i-ink-2)}
.ins-lines dd{margin:0;font:600 16px/1.4 var(--body);font-variant-numeric:tabular-nums}
.ins-stub{display:flex;justify-content:space-between;align-items:baseline;flex-wrap:wrap;gap:4px 16px;margin-top:20px;padding-top:18px;border-top:2px dashed #c8d0da}
.ins-stub p{margin:0;font:500 11px/1.3 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--i-muted)}
.ins-stub strong{font:400 clamp(44px,4.6vw,60px)/1 var(--i-serif);color:var(--i-claret);font-variant-numeric:tabular-nums}
.ins-est{margin:14px 0 0;font-size:13.5px;line-height:1.5;color:var(--i-muted)}

/* ---------------------------------------------------------------- 05 FAQ, closing, footer */
.ins-faq{background:var(--i-rain);padding-block:clamp(64px,8vw,120px) clamp(84px,9vw,132px);--fq-line:#c6ced9;--fq-muted:var(--i-muted)}
.ins-faq-list{max-width:840px;margin:clamp(32px,4vw,48px) auto 0}
.ins-faq summary i{color:var(--i-claret)}
.ins-faq summary:hover span{color:var(--i-claret)}
.ins-close{position:relative;background:var(--i-claret);color:#fff;text-align:center;padding-block:clamp(60px,7.4vw,104px)}
.ins-close::before{content:"";position:absolute;left:0;right:0;bottom:calc(100% - 1px);height:16px;
  background:radial-gradient(circle at 50% 100%,var(--i-claret) 15.5px,transparent 16.5px) 50% 100%/32px 16px repeat-x}
.ins-mini{display:block;width:60px;height:auto;margin:0 auto;color:#f3c7d4}
.ins-close h2{margin:18px auto 0;max-width:26ch;color:#fff;font-size:clamp(38px,5.2vw,72px);line-height:1.04}
.ins-close h2 > span,.ins-close h2 > em{display:block}
.ins-close h2 em{color:#f6cbd8}
.ins-close .ins-cta{margin-top:32px}
.ins-close :focus-visible{outline-color:#fff}
.ins-foot{background:var(--i-ink);color:#fff}
.ins-foot .grid3 i:not(.o){background:var(--i-rose)}
.ins-foot .grid3 i.o{box-shadow:inset 0 0 0 1.5px var(--i-rose)}
.ins-foot .p3-tag{font-family:var(--i-serif);font-style:italic}

/* ---------------------------------------------------------------- narrower screens */
@media (max-width:1000px){
  .ins-steps{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:28px;border-top:0}
  .ins-steps li,.ins-steps li:first-child{padding:20px 0 14px;border-left:0;border-top:1.5px solid var(--i-ink)}
  .ins-prem-body{grid-template-columns:minmax(0,1fr)}
  .ins-prem-base{border-right:0;border-bottom:1px solid #e3e7ed}
}
@media (max-width:899px){
  .ins-hero{--cw:min(640px,84vw);--pt:40px}
  .ins-file{grid-template-columns:minmax(0,1fr)}
  .ins-intake{max-width:560px}
}
@media (max-width:700px){
  .ins-dec-row{grid-template-columns:minmax(0,1fr);padding:12px 0}
  .ins-dec-row .ins-lead{display:none}
  .ins-dec-row dd{padding-left:66px}
  .ins-dec-h{padding-right:0}
  .ins-dec-h h3{padding-right:130px}
}
@media (max-width:660px){
  .ins-tabs{gap:5px;padding-left:0}
  .ins-tabs [role=tab]{flex:1 1 0;justify-content:center;padding:12px 8px 10px;text-align:center}
  .ins-ti,.ins-tl span{display:none}
  .ins-tl b{white-space:normal;font-size:14px}
}
@media (max-width:599px){
  .ins-hero{--cw:calc(100vw - 28px);--pt:56px;--vw:calc(100vw - 44px);--vg:8px}
  .ins-copy{max-width:calc(var(--cw) - 20px)}
  .ins-hero h1{font-size:clamp(38px,11vw,46px)}
  .ins-sub{font-size:16.5px}
  .ins-shaft.b{margin-top:14px;height:12px}
  .ins-hook{width:50px;height:48px}
  .ins-rip{display:none}
  .ins-caps .k{font-size:9.5px;letter-spacing:.06em}
  .ins-caps .q{font-size:13.5px}
  .ins-steps{grid-template-columns:minmax(0,1fr)}
  .ins-folder{border-radius:4px 4px 16px 16px}
  .ins-convo li{grid-template-columns:minmax(0,1fr);gap:2px}
  .ins-convo b{padding-top:0}
  .ins-dec-row dd{padding-left:0}
  .ins-dec-row .no{width:auto;margin-right:2px}
  .ins-stamp{font-size:12px;padding:7px 10px 6px 13px}
  .ins-dec-h h3{padding-right:112px}
  .ins-fields dd{max-width:60%}
  .ins-lines .ins-lead{display:none}
  .ins-lines div{justify-content:space-between}
}
@media (max-width:379px){
  .ins-hero h1{font-size:36px}
  .ins-k{font-size:10px;letter-spacing:.08em;gap:8px}
  .ins-caps .q{font-size:12.5px}
  .ins-dec-h h3{font-size:30px}
}
@media (prefers-reduced-motion:reduce){
  .ins-hero{animation:none}
  .ins-rain i{animation:none;top:calc(var(--y) * 100%)}
  .ins-rain i.m{top:calc(var(--cb) * var(--y))}
  .ins-rip{animation:none;opacity:.55}
  .ins-drip{animation:none;opacity:1}
  .ins-vig{transition:none}
}