:root {
  color-scheme: light;
  --green: #457a3c;        /* matched to reference */
  --green-dark: #2f5629;
  --green-deep: #1f3b1b;
  --green-soft: #e8f0e4;
  --green-tint: #f3f7f0;
  --gold: #f0d785;         /* nod to the reference's highlight panel */
  --gold-soft: #fbf4dc;
  --ink: #1d2a1b;
  --muted: #5b6858;
  --line: #dde5d8;
  --paper: #fcfdfb;
  --white: #fff;
  --radius: 18px;
  --shadow: 0 1px 2px rgb(31 59 27 / 6%), 0 12px 32px rgb(31 59 27 / 8%);
  --serif: "Newsreader", "Times New Roman", serif;
  --sans: "Inter", "Segoe UI", system-ui, -apple-system, Arial, sans-serif;
  font-family: var(--sans);
  font-synthesis: none;
  text-rendering: optimizeLegibility;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: var(--serif); font-size: 19px; line-height: 1.75; }
/* UI text stays in Inter; reading text inherits Newsreader from body */
.site-header, .button, .eyebrow, .personal-card-kicker, .personal-card-link, .news-label, .text-link, .policy-list li, .questions-list li::before, .advisor-title, .contact-details, .site-footer { font-family: var(--sans); }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 6px; }

.container { width: min(1160px, 100% - 48px); margin-inline: auto; }

h1, h2, h3 { margin: 0; font-family: var(--serif); font-weight: 600; letter-spacing: -.02em; line-height: 1.12; color: var(--green-deep); }
h2 { font-size: clamp(30px, 3.6vw, 44px); }
.eyebrow { margin: 0 0 14px; display: inline-flex; align-items: center; gap: 10px; color: var(--green); font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; }
.eyebrow::before { content: ""; width: 22px; height: 2px; background: currentColor; border-radius: 2px; }

/* Header */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 10; background: rgb(252 253 251 / 88%); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.header-inner { width: min(1240px, 100% - 48px); margin-inline: auto; height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 12px; }
.brand-mark { width: 42px; height: 42px; flex: none; display: grid; place-items: center; border-radius: 12px; color: var(--white); background: var(--green); font-family: var(--serif); font-size: 16px; font-weight: 600; letter-spacing: .02em; line-height: 1; padding-top: 3.5px; /* Newsreader caps sit high; nudge to optical centre */ }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name { font-family: var(--serif); font-size: 20px; font-weight: 600; color: var(--green-deep); }
.brand-tagline { font-size: 12px; color: var(--muted); }
.site-nav { display: flex; align-items: center; gap: 6px; font-size: 14px; font-weight: 500; }
.site-nav a { padding: 8px 14px; border-radius: 999px; transition: background .2s, color .2s; }
.site-nav a:not(.nav-cta):hover { background: var(--green-soft); color: var(--green-dark); }
.site-nav a[aria-current="page"] { color: var(--green); font-weight: 600; }
.site-nav .nav-cta { margin-left: 10px; padding: 10px 18px; color: var(--white); background: var(--green); font-weight: 600; white-space: nowrap; }
.site-nav .nav-cta:hover { background: var(--green-dark); }
.nav-cta-label { opacity: .75; font-weight: 500; margin-right: 4px; }
.menu-toggle { display: none; }

/* Hero */
.hero { padding: 80px 0 96px; background: radial-gradient(1200px 500px at 85% -10%, var(--green-soft), transparent 60%), var(--paper); }
.hero-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 64px; align-items: center; }
.hero h1 { font-size: clamp(38px, 5vw, 62px); }
.hero h1 em { font-style: italic; font-weight: 400; color: var(--green); }
.hero-lead { margin: 24px 0 32px; max-width: 560px; color: var(--ink); font-size: 19px; line-height: 1.75; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.button { display: inline-flex; align-items: center; gap: 10px; padding: 14px 24px; border-radius: 999px; font-size: 15px; font-weight: 600; transition: background .2s, transform .2s, border-color .2s; }
.button:hover { transform: translateY(-1px); }
.button-primary { color: var(--white); background: var(--green); box-shadow: 0 8px 20px rgb(69 122 60 / 28%); }
.button-primary:hover { background: var(--green-dark); }
.button-ghost { color: var(--green-dark); border: 1.5px solid var(--line); background: var(--white); }
.button-ghost:hover { border-color: var(--green); }
.hero-media { margin: 0; position: relative; }
.hero-media::before { content: ""; position: absolute; inset: 24px -24px -24px 24px; border-radius: 28px; background: var(--green); z-index: -1; }
.hero-media img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-position: center 68%; object-fit: cover; border-radius: 28px; box-shadow: var(--shadow); }

/* Intro */
.section { padding: 96px 0; }
.intro-section { background: var(--white); border-block: 1px solid var(--line); }
.intro-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 64px; align-items: start; }
.intro-copy { max-width: 720px; }
.intro-copy .eyebrow { margin: 0 0 14px; font-family: var(--sans); font-size: 12px; line-height: 1.65; }
.intro-copy p { margin: 0 0 1.2em; font-size: 19px; line-height: 1.75; }
.intro-copy .highlight { margin: 0; padding: 0; border: 0; background: none; color: var(--green-dark); font-weight: 600; font-size: 19px; line-height: 1.75; }
.highlight { margin-top: 28px; padding: 22px 26px; border-left: 4px solid var(--gold); border-radius: 0 14px 14px 0; background: var(--gold-soft); color: var(--ink); font-family: var(--serif); font-size: 20px; line-height: 1.45; }
.intro-aside { display: grid; gap: 20px; }
.personal-card { display: grid; gap: 12px; padding: 28px; border-radius: var(--radius); color: var(--white); background: linear-gradient(145deg, var(--green), var(--green-dark)); box-shadow: var(--shadow); transition: transform .2s; }
.personal-card:hover { transform: translateY(-3px); }
.personal-card-kicker { font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; opacity: .75; }
.personal-card-title { font-family: var(--serif); font-size: 21px; line-height: 1.3; }
.personal-card-link { font-size: 14px; font-weight: 600; color: var(--gold); }
.news-card { padding: 26px 28px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--green-tint); }
.news-label { margin: 0 0 12px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px; color: var(--green); font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.news-date { color: var(--muted); letter-spacing: .06em; }
.news-card h3 { font-size: 21px; line-height: 1.3; margin-bottom: 14px; }
.news-card blockquote { margin: 0 0 16px; color: var(--muted); font-size: 16px; line-height: 1.6; }
.text-link { color: var(--green); font-size: 14px; font-weight: 600; }
.text-link:hover { text-decoration: underline; text-underline-offset: 4px; }

/* Philosophy */
.section-heading { max-width: 720px; margin-bottom: 48px; }
/* Philosophy: an editorial "letter", not a card */
.pill-heading { display: inline-block; margin: 0 0 40px; padding: 10px 30px 12px; border-radius: 999px; color: var(--white); background: var(--green); font-size: clamp(26px, 3vw, 34px); font-weight: 600; }
.philosophy-lead { max-width: 30ch; margin: 0 0 40px; padding-left: 24px; border-left: 3px solid var(--green); color: var(--green-deep); font-family: var(--serif); font-size: clamp(26px, 3.4vw, 38px); font-weight: 400; line-height: 1.28; letter-spacing: -.015em; }
.philosophy-body { padding-left: 27px; }
.philosophy-body p { margin: 0 0 1.15em; color: var(--ink); font-family: var(--serif); font-size: 19px; line-height: 1.75; }
.philosophy-body p:last-child { margin-bottom: 0; }
.figure { color: var(--green); font-weight: 600; white-space: nowrap; }

/* Broker */
.broker-section { background: var(--green-deep); color: var(--white); }
.pill-heading-light { color: var(--green-deep); background: var(--white); }
.broker-nots { display: grid; grid-template-columns: 1fr 1fr; }
.broker-point { margin: 0; padding: 30px 44px 34px 0; display: flex; gap: 18px; align-items: flex-start; color: #d9e5d5; font-family: var(--serif); font-size: 19px; line-height: 1.75; }
.broker-point + .broker-point { padding: 30px 0 34px 44px; border-left: 1px solid rgb(255 255 255 / 14%); }
.broker-point strong { color: var(--white); font-weight: 600; }
.broker-point .broker-mark { color: rgb(255 255 255 / 50%); }
.broker-mark { flex: none; width: 28px; height: 28px; margin-top: 4px; }
.broker-should { margin: 0; padding-top: 32px; display: flex; gap: 18px; align-items: flex-start; border-top: 1px solid rgb(255 255 255 / 14%); color: var(--white); font-family: var(--serif); font-size: 24px; line-height: 1.5; }
.broker-should strong { color: var(--gold); font-weight: 600; }
.broker-should .broker-mark { margin-top: 5px; color: var(--gold); }

/* Employee Health Care page */
.page-hero { padding: 72px 0 88px; }
.page-hero h1 { max-width: 18ch; font-size: clamp(36px, 4.6vw, 58px); }
.page-hero h1 em { font-style: italic; font-weight: 400; color: var(--green); }
.page-hero-grid { margin-bottom: 64px; display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.questions-card { padding: 40px 44px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.rule-heading.questions-title { margin-bottom: 8px; font-size: clamp(26px, 2.6vw, 30px); line-height: 1.2; }
.questions-list li:first-child { border-top: 0; }
/* Two-column version: display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: repeat(3, auto); grid-auto-flow: column; column-gap: 56px; (and remove the top border on li 1 and 4) */
.questions-list { margin: 0; padding: 0; list-style: none; counter-reset: q; }
.questions-list li { counter-increment: q; position: relative; padding: 12px 0 12px 46px; border-top: 1px solid var(--line); font-size: 17px; line-height: 1.6; }
.questions-list li::before { content: counter(q); position: absolute; left: 0; top: 11px; width: 28px; height: 28px; display: grid; place-items: center; border-radius: 50%; color: var(--green-dark); background: var(--green-soft); font-size: 13px; font-weight: 700; }
.questions-media img { aspect-ratio: 16 / 9; }
.questions-card { display: flex; flex-direction: column; overflow: hidden; }
.questions-list { flex: 1; }
.questions-answer { text-wrap: pretty; position: relative; margin: 16px -44px -40px; padding: 28px 44px 30px; color: var(--white); background: linear-gradient(145deg, var(--green), var(--green-dark)); font-family: var(--serif); font-size: 19px; line-height: 1.5; }
.questions-answer::before { content: ""; position: absolute; top: -1px; left: 58px; width: 18px; height: 18px; background: var(--white); transform: translate(-50%, -50%) rotate(45deg); }
.questions-answer-lead { color: var(--gold); font-weight: 600; }

.peace-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 64px; align-items: center; }
.peace-media, .coverages-media, .benefit-media { margin: 0; }
.peace-media img, .coverages-media img, .benefit-media img { width: 100%; height: auto; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow); }
.peace-media img { aspect-ratio: 3 / 2; }
.peace-copy { margin: 0; }

.coverages-section { background: linear-gradient(180deg, #fbe2c8 0, var(--gold-soft) 240px, var(--gold-soft) 100%); }
.rule-heading.coverages-title { margin-bottom: 40px; }
.coverages-grid { display: grid; grid-template-columns: 340px 1fr; gap: 56px; align-items: stretch; }
.coverages-media { position: relative; }
.coverages-media img { position: absolute; inset: 0; height: 100%; }
.coverages-body p { margin: 0 0 1.2em; }
.coverages-body p:last-child { margin-bottom: 0; }
.coverages-callout { margin: 56px 0 0; background: var(--white); }

.design-body p { max-width: 860px; margin: 0 0 .8em; color: #d9e5d5; font-family: var(--serif); font-size: 19px; line-height: 1.75; }
.design-body .design-lead { margin-bottom: 1em; color: var(--white); font-size: clamp(24px, 2.8vw, 32px); line-height: 1.3; letter-spacing: -.015em; }
.policy-list { margin: 24px 0 0; padding: 0; list-style: none; display: flex; flex-wrap: nowrap; gap: 12px; }
.policy-list li { white-space: nowrap; padding: 10px 20px; border: 1px solid rgb(255 255 255 / 22%); border-radius: 999px; color: var(--white); font-size: 15px; font-weight: 600; }

.benefits-section { background: var(--white); }
.benefits-stack { display: grid; gap: 88px; }
.benefit-row { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.benefit-row-flip .benefit-media { order: -1; }
.benefit p { margin: 0 0 1.2em; }
.benefit p:last-child { margin-bottom: 0; }
.benefit .benefit-included { margin-top: 24px; padding: 20px 24px; border-left: 3px solid var(--green); border-radius: 0 14px 14px 0; background: var(--green-tint); }
.benefit .benefit-included p { color: var(--ink); }
.benefit-media img { aspect-ratio: 3 / 2; }

.closing-section { padding: 112px 0 120px; color: var(--white); background: radial-gradient(900px 420px at 50% 0%, rgb(69 122 60 / 55%), transparent 70%), var(--green-deep); }
.closing-statement { width: fit-content; max-width: 26ch; text-wrap: balance; margin: 0 auto; font-family: var(--serif); font-size: clamp(32px, 4.6vw, 58px); font-weight: 400; line-height: 1.18; letter-spacing: -.02em; }
.closing-statement em { color: var(--gold); font-style: italic; }


/* About page */
.about-page { padding: 88px 0 112px; }
.about-layout { display: grid; grid-template-columns: 280px minmax(0, 1fr); gap: 80px; align-items: start; }
.about-aside { position: sticky; top: 120px; }
.about-photo { width: 100%; height: auto; aspect-ratio: 4 / 5; object-fit: cover; object-position: 42% center; border-radius: 18px; box-shadow: var(--shadow); }
.about-article { max-width: 720px; }
.about-heading, .rule-heading { margin: 0 0 28px; padding-bottom: 14px; border-bottom: 2px solid var(--green); font-size: clamp(30px, 3.4vw, 40px); }
h2.about-heading { margin-top: 72px; }
.rule-heading-light { color: var(--white); border-bottom-color: rgb(255 255 255 / 30%); }
.about-article p { margin: 0 0 1.2em; font-family: var(--serif); font-size: 19px; line-height: 1.75; }
.about-article strong { color: var(--green-dark); font-weight: 600; }
.resume-list { margin: 8px 0 0; padding: 0; list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 0 48px; }
.resume-list li { padding: 16px 0; border-top: 1px solid var(--line); font-family: var(--serif); font-size: 17px; line-height: 1.6; }

/* Contact page */
.contact-page { padding: 88px 0 112px; }
.contact-wrap { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: 64px; align-items: stretch; }
.contact-intro { text-wrap: pretty; margin: 0 0 44px; color: var(--green-deep); font-family: var(--serif); font-size: clamp(20px, 1.9vw, 23px); line-height: 1.55; }
.contact-list { margin: 0; border-bottom: 1px solid var(--line); }
.contact-list > div { display: grid; grid-template-columns: 190px minmax(0, 1fr); gap: 32px; padding: 24px 0; border-top: 1px solid var(--line); }
.contact-list dt { color: var(--green); font-family: var(--serif); font-size: 20px; font-weight: 600; line-height: 1.5; }
.contact-list dd { margin: 0; font-family: var(--serif); font-size: 19px; line-height: 1.6; }
.contact-list a { color: var(--green-dark); text-decoration: underline; text-decoration-color: var(--line); text-underline-offset: 4px; text-decoration-thickness: 2px; }
.contact-list a:hover { text-decoration-color: var(--green); }
.contact-map { min-height: 380px; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow); }
.contact-map iframe { display: block; width: 100%; height: 100%; border: 0; }

/* Contact band */
.contact-band { padding: 72px 0; background: var(--green-tint); }
.contact-grid { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 32px; }
.advisor { display: flex; align-items: center; gap: 22px; }
.advisor-photo { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; box-shadow: 0 0 0 4px var(--white), 0 0 0 6px var(--green); }
.advisor h2 { font-size: clamp(26px, 3vw, 34px); }
.advisor-title { margin: 4px 0 0; color: var(--muted); }
.contact-details { margin: 0; display: flex; flex-wrap: wrap; gap: 20px 48px; }
.contact-details dt { color: var(--green); font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.contact-details dd { margin: 4px 0 0; font-size: 16px; }
.contact-details a { font-family: var(--serif); font-size: 24px; color: var(--green-deep); }
.contact-details a:hover { color: var(--green); }

/* Footer */
.site-footer { padding: 26px 0; background: var(--white); border-top: 1px solid var(--line); font-size: 13px; color: var(--muted); }
.footer-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px; }
.footer-inner p { margin: 0; }
.social { margin: 0; padding: 0; list-style: none; display: flex; gap: 8px; }
.social a { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 50%; color: var(--green-deep); background: var(--green-soft); transition: background .2s, color .2s; }
.social a:hover { color: var(--white); background: var(--green); }
.social svg { width: 17px; height: 17px; fill: currentColor; }

@media (max-width: 1000px) {
  .site-nav a:not(.nav-cta) { padding: 8px 10px; }
  .brand-tagline { display: none; }
  .hero-grid, .intro-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-media { max-width: 640px; }
  .page-hero-grid, .peace-grid { grid-template-columns: 1fr; gap: 48px; }
  .coverages-grid { grid-template-columns: 260px 1fr; gap: 40px; }
  .policy-list { flex-wrap: wrap; }
  .contact-wrap { grid-template-columns: 1fr; gap: 48px; }
  .about-layout { grid-template-columns: 1fr; gap: 40px; }
  .about-aside { position: static; max-width: 280px; }
  .resume-list { grid-template-columns: 1fr; }
  .contact-page { padding: 56px 0 72px; }
  .contact-intro { margin-bottom: 40px; }
  .contact-list > div { grid-template-columns: 1fr; gap: 4px; padding: 20px 0; }
  .contact-list dd { font-size: 17.5px; }
  .contact-map { min-height: 300px; }
}

@media (max-width: 820px) {
  .header-inner { height: 70px; position: relative; }
  .brand-tagline { display: block; }
  .menu-toggle { width: 44px; height: 44px; display: grid; place-items: center; border: 1px solid var(--line); border-radius: 12px; color: var(--ink); background: var(--white); font-size: 19px; }
  .site-nav { display: none; position: absolute; top: 70px; left: -24px; right: -24px; padding: 16px 24px 24px; flex-direction: column; align-items: stretch; gap: 4px; background: var(--paper); border-bottom: 1px solid var(--line); box-shadow: 0 12px 20px rgb(0 0 0 / 8%); }
  .site-nav.is-open { display: flex; }
  .site-nav a { padding: 12px 14px; }
  .site-nav .nav-cta { margin: 8px 0 0; text-align: center; }}

@media (max-width: 560px) {
  .brand-tagline { display: none; }
  .hero { padding: 48px 0 72px; }
  .hero-media::before { inset: 14px -10px -14px 14px; }
  .section { padding: 64px 0; }
  .pill-heading { margin-bottom: 28px; padding: 8px 22px 10px; }
  .philosophy-lead { margin-bottom: 28px; padding-left: 18px; }
  .philosophy-body { padding-left: 0; }
  .philosophy-body p { font-size: 17.5px; line-height: 1.7; }
  .pill-heading-light { border-radius: 24px; }
  .broker-nots { grid-template-columns: 1fr; }
  .broker-point, .broker-point + .broker-point { padding: 24px 0 26px; border-left: 0; font-size: 17.5px; line-height: 1.7; }
  .broker-point + .broker-point { border-top: 1px solid rgb(255 255 255 / 14%); }
  .broker-mark { width: 24px; height: 24px; }
  .broker-should { padding-top: 32px; gap: 14px; }
  .broker-should { font-size: 21px; }
  .advisor { flex-direction: column; align-items: flex-start; }
  .page-hero { padding: 48px 0 72px; }
  .page-hero-grid { margin-bottom: 40px; gap: 32px; }
  .questions-card { padding: 24px 20px; }
  .questions-list li { padding-left: 40px; font-size: 16px; }
  .questions-answer { margin: 10px -20px -24px; padding: 24px 20px 26px; font-size: 17.5px; }
  .questions-answer::before { left: 34px; }
  .rule-heading.coverages-title { margin-bottom: 32px; }
  .coverages-grid { grid-template-columns: 1fr; gap: 32px; }
  .coverages-media { position: static; max-width: 320px; }
  .coverages-media img { position: static; height: auto; aspect-ratio: 4 / 3; }
  .coverages-callout { margin-top: 40px; }
  .design-body p { font-size: 17.5px; }
  .benefits-stack { gap: 64px; }
  .benefit-row { grid-template-columns: 1fr; gap: 28px; }
  .benefit-row-flip .benefit-media { order: 0; }
  .benefit .benefit-included { padding: 18px 20px; }
  .closing-section { padding: 72px 0 80px; }}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}