/* ============================================================
   SUB-PAGES — Team / Insurance / Blog
   Builds on styles.css (shared tokens + components)
   ============================================================ */

/* --- Shared sub-hero (compact) --- */
.psub {
  position: relative;
  isolation: isolate;
  padding: clamp(140px, 18vh, 220px) var(--pad-x) clamp(56px, 8vh, 96px);
  overflow: hidden;
  background: var(--bg-1);
}
.psub__media { position: absolute; inset: 0; z-index: -1; }
.psub__media img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; filter: saturate(1.05) contrast(1.05); }
.psub__shade {
  position: absolute; inset: 0;
  background:
    linear-gradient(180deg, rgba(6,16,31,.72) 0%, rgba(6,16,31,.4) 45%, rgba(6,16,31,.9) 100%),
    radial-gradient(70% 60% at 12% 50%, rgba(6,16,31,.5), transparent 70%);
}
.psub__inner { max-width: var(--maxw); margin: 0 auto; position: relative; }
.psub h1 {
  font-family: var(--f-serif); font-weight: 500;
  font-size: clamp(38px, 5.4vw, 76px); line-height: 1.0;
  letter-spacing: -0.02em; margin: 0 0 20px; max-width: 18ch;
}
.psub h1 .accent { color: var(--accent); font-style: italic; }
.psub__sub { font-size: clamp(15px, 1.2vw, 18px); color: var(--ink-1); max-width: 58ch; line-height: 1.6; margin: 0; }

/* --- Section scaffold --- */
.psec { padding: clamp(56px, 8vw, 104px) var(--pad-x); }
.psec--light { background: var(--bg-light); }
.psec--dark { background: var(--bg-1); }
.psec__inner { max-width: var(--maxw); margin: 0 auto; }
.psec__head { max-width: 62ch; margin: 0 auto clamp(36px, 5vw, 56px); text-align: center; }
.psec__head .eyebrow { justify-content: center; }
.psec__head .lede { margin: 0 auto; }
.psec--light .psec__head .h2 { color: var(--ink-d0); }

/* ============================================================
   TEAM
   ============================================================ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.tcard {
  background: #fff;
  border: 1px solid var(--line-light);
  border-radius: var(--r-md);
  overflow: hidden;
  transition: transform .35s ease, box-shadow .35s ease;
}
.tcard:hover { transform: translateY(-5px); box-shadow: 0 30px 55px -30px rgba(10,22,40,.4); }
.tcard__photo { position: relative; aspect-ratio: 3/4; overflow: hidden; background: var(--bg-3); }
.tcard__photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; transition: transform .6s cubic-bezier(.2,.6,.2,1); }
.tcard:hover .tcard__photo img { transform: scale(1.05); }
.tcard__photo::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 55%, rgba(6,16,31,.35) 100%);
}
.tcard__body { padding: 18px 20px 22px; }
.tcard__name { font-family: var(--f-serif); font-weight: 600; font-size: 20px; color: var(--ink-d0); margin: 0 0 4px; letter-spacing: -0.01em; }
.tcard__role { font-size: 12.5px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--accent); margin: 0; }

/* ============================================================
   INSURANCE
   ============================================================ */
.ins-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.ins-card {
  background: #fff;
  border: 1px solid var(--line-light);
  border-radius: var(--r-md);
  padding: 26px 22px;
  display: flex; align-items: center; justify-content: center;
  min-height: 96px;
  text-align: center;
  font-family: var(--f-serif); font-weight: 500; font-size: 19px;
  color: var(--ink-d0);
  transition: transform .3s ease, border-color .3s ease, box-shadow .3s ease;
}
.ins-card:hover { transform: translateY(-3px); border-color: rgba(255,106,26,.4); box-shadow: 0 20px 40px -26px rgba(10,22,40,.35); }

.ins-cats {
  display: flex; flex-wrap: wrap; gap: 10px 12px; justify-content: center;
  margin-top: 18px;
}
.ins-cats span {
  border: 1px solid var(--line-dark);
  border-radius: 999px;
  padding: 10px 18px;
  font-size: 13.5px; font-weight: 500; color: var(--ink-1);
  background: rgba(255,255,255,.02);
}
.ins-note {
  margin: clamp(36px,5vw,52px) auto 0;
  max-width: 720px;
  text-align: center;
  background: rgba(20,37,63,.5);
  border: 1px solid var(--line-dark);
  border-radius: var(--r-lg);
  padding: 32px;
}
.ins-note h3 { font-family: var(--f-serif); font-weight: 500; font-size: clamp(22px,2.4vw,30px); color: var(--ink-0); margin: 0 0 10px; }
.ins-note p { color: var(--ink-1); font-size: 15px; line-height: 1.6; margin: 0 0 22px; }
.ins-note .btn { }

/* ============================================================
   BLOG
   ============================================================ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.bcard {
  display: flex; flex-direction: column;
  background: #fff;
  border: 1px solid var(--line-light);
  border-radius: var(--r-md);
  overflow: hidden;
  text-decoration: none;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.bcard:hover { transform: translateY(-5px); box-shadow: 0 30px 55px -30px rgba(10,22,40,.4); border-color: rgba(255,106,26,.3); }
.bcard__img { aspect-ratio: 16/10; overflow: hidden; background: var(--bg-3); }
.bcard__img img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s cubic-bezier(.2,.6,.2,1); }
.bcard:hover .bcard__img img { transform: scale(1.05); }
.bcard__body { padding: 24px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.bcard__meta { display: flex; align-items: center; gap: 10px; font-size: 12px; color: var(--ink-d2); margin-bottom: 12px; }
.bcard__meta .dot { width: 3px; height: 3px; border-radius: 999px; background: var(--accent); }
.bcard h3 { font-family: var(--f-serif); font-weight: 600; font-size: 21px; line-height: 1.2; color: var(--ink-d0); margin: 0 0 10px; letter-spacing: -0.01em; }
.bcard p { font-size: 14px; line-height: 1.55; color: var(--ink-d2); margin: 0 0 18px; flex: 1; }
.bcard__more { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent); }
.bcard__more svg { transition: transform .25s ease; }
.bcard:hover .bcard__more svg { transform: translateX(5px); }

/* ============================================================
   THANK YOU
   ============================================================ */
.ty {
  position: relative; isolation: isolate;
  min-height: 100vh;
  display: flex; align-items: center;
  padding: clamp(130px, 16vh, 190px) var(--pad-x) clamp(70px, 9vh, 110px);
  overflow: hidden; background: var(--bg-1);
}
.ty__media { position: absolute; inset: 0; z-index: -1; }
.ty__media img { width: 100%; height: 100%; object-fit: cover; object-position: center 40%; filter: saturate(.9) contrast(1.05); }
.ty__shade {
  position: absolute; inset: 0;
  background:
    linear-gradient(180deg, rgba(6,16,31,.86) 0%, rgba(6,16,31,.78) 50%, rgba(6,16,31,.94) 100%),
    radial-gradient(70% 60% at 20% 40%, rgba(255,106,26,.07), transparent 70%);
}
.ty__inner { max-width: 760px; margin: 0 auto; text-align: center; }
.ty__check {
  width: 76px; height: 76px; border-radius: 999px;
  display: grid; place-items: center; margin: 0 auto 26px;
  background: var(--accent-soft); color: var(--accent);
  border: 1px solid rgba(255,106,26,.4);
}
.ty .eyebrow { justify-content: center; }
.ty h1 {
  font-family: var(--f-serif); font-weight: 500;
  font-size: clamp(38px, 5.4vw, 72px); line-height: 1.0;
  letter-spacing: -0.02em; margin: 0 0 22px; color: var(--ink-0);
}
.ty h1 .accent { color: var(--accent); font-style: italic; }
.ty__sub {
  font-size: clamp(15px, 1.2vw, 18px); color: var(--ink-1);
  line-height: 1.6; margin: 0 auto 34px; max-width: 54ch;
}
.ty__ctas { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }

.ty__next {
  margin-top: clamp(48px, 6vw, 68px);
  padding-top: clamp(36px, 4vw, 48px);
  border-top: 1px solid var(--line-dark);
}
.ty__next h2 {
  font-family: var(--f-sans); font-size: 12px; font-weight: 700;
  letter-spacing: .22em; text-transform: uppercase;
  color: var(--ink-2); margin: 0 0 26px;
}
.ty__steps {
  list-style: none; margin: 0; padding: 0;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
  text-align: left;
}
.ty__steps li { display: flex; gap: 14px; align-items: flex-start; }
.ty__num {
  flex: 0 0 auto; width: 30px; height: 30px; border-radius: 999px;
  display: grid; place-items: center;
  border: 1px solid rgba(255,106,26,.45); color: var(--accent);
  font-size: 13px; font-weight: 700;
}
.ty__steps strong { display: block; color: var(--ink-0); font-size: 15px; margin-bottom: 4px; }
.ty__steps p { margin: 0; font-size: 13.5px; line-height: 1.5; color: var(--ink-2); }

.ty__while { margin-top: clamp(40px, 5vw, 56px); }
.ty__whilelabel {
  font-size: 12px; font-weight: 700; letter-spacing: .22em;
  text-transform: uppercase; color: var(--ink-3); margin: 0 0 14px;
}
.ty__links { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.ty__links a {
  border: 1px solid var(--line-dark); border-radius: 999px;
  padding: 10px 18px; font-size: 13.5px; font-weight: 500; color: var(--ink-1);
  transition: border-color .25s ease, color .25s ease, background .25s ease;
}
.ty__links a:hover { border-color: var(--accent); color: var(--accent); background: var(--accent-soft); }
.ty__meta { margin: clamp(34px,4vw,44px) 0 0; font-size: 13px; color: var(--ink-3); }

@media (max-width: 720px) {
  .ty__steps { grid-template-columns: 1fr; gap: 18px; }
}

@media (max-width: 1000px) {
  .team-grid { grid-template-columns: repeat(3, 1fr); }
  .ins-grid { grid-template-columns: repeat(3, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 680px) {
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .ins-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   BLOG POST (article handler)
   ============================================================ */
.article {
  background: var(--bg-light);
  padding: clamp(48px, 7vw, 88px) var(--pad-x) clamp(56px, 8vw, 104px);
}
.article__wrap { max-width: 760px; margin: 0 auto; }
.article__back {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--accent); margin-bottom: 28px;
}
.article__back svg { transition: transform .25s ease; }
.article__back:hover svg { transform: translateX(-4px); }
.article__body { color: var(--ink-d1); }
.article__body h2 {
  font-family: var(--f-serif); font-weight: 600;
  font-size: clamp(23px, 2.6vw, 32px); line-height: 1.2;
  color: var(--ink-d0); letter-spacing: -0.01em;
  margin: 40px 0 14px;
}
.article__body h2:first-child { margin-top: 0; }
.article__body p { font-size: 17px; line-height: 1.7; margin: 0 0 18px; color: var(--ink-d1); }
.article__body ul { margin: 0 0 22px; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 10px; }
.article__body li {
  position: relative; padding-left: 30px;
  font-size: 16.5px; line-height: 1.6; color: var(--ink-d1);
}
.article__body li::before {
  content: ""; position: absolute; left: 4px; top: 11px;
  width: 8px; height: 8px; border-radius: 999px; background: var(--accent);
}
.article__cta {
  margin-top: 44px; padding-top: 32px;
  border-top: 1px solid var(--line-light);
  display: flex; flex-wrap: wrap; align-items: center; gap: 16px;
}
.article__cta p { margin: 0; flex: 1; min-width: 220px; font-size: 16px; color: var(--ink-d2); }

/* Article hero */
.arthero {
  position: relative; isolation: isolate;
  padding: clamp(130px, 16vh, 190px) var(--pad-x) clamp(40px, 6vw, 64px);
  overflow: hidden; background: var(--bg-1);
}
.arthero__media { position: absolute; inset: 0; z-index: -1; }
.arthero__media img { width: 100%; height: 100%; object-fit: cover; object-position: center 35%; }
.arthero__shade {
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(6,16,31,.7) 0%, rgba(6,16,31,.55) 40%, rgba(6,16,31,.92) 100%);
}
.arthero__inner { max-width: 820px; margin: 0 auto; position: relative; }
.arthero__meta { display: flex; align-items: center; gap: 12px; font-size: 12.5px; color: var(--ink-2); margin-bottom: 16px; }
.arthero__meta .tag { color: var(--accent); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; }
.arthero__meta .dot { width: 3px; height: 3px; border-radius: 999px; background: var(--ink-3); }
.arthero h1 {
  font-family: var(--f-serif); font-weight: 500;
  font-size: clamp(30px, 4.4vw, 56px); line-height: 1.08;
  letter-spacing: -0.015em; color: var(--ink-0); margin: 0;
}

/* More articles */
.morep { background: var(--bg-1); padding: clamp(48px,7vw,88px) var(--pad-x); border-top: 1px solid var(--line-dark); }
.morep__inner { max-width: var(--maxw); margin: 0 auto; }
.morep h2 { font-family: var(--f-serif); font-weight: 500; font-size: clamp(24px,3vw,36px); color: var(--ink-0); margin: 0 0 28px; text-align: center; }