/* Insure In Canada locked identity: teal #1BBC9B, charcoal #393938; no red or navy. */
:root{--teal:#1BBC9B;--dark:#393938;--near:#1A1A18;--line:#DCE7E2;--light:#F4F9F7;--mute:#60706A;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--near);font:16px/1.58 system-ui,-apple-system,'Segoe UI',Arial,sans-serif;background:white}a{color:#146550;text-underline-offset:3px}a:hover{color:#0B4C3B}button,input{font:inherit}button,a,input{ -webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--teal);outline-offset:3px}img{max-width:100%;height:auto}.wrap{width:min(1170px,calc(100% - 36px));margin:auto}.skip{position:absolute;top:-90px;left:10px;background:white;padding:10px;z-index:100}.skip:focus{top:8px}
.utility{background:var(--dark);border-top:4px solid var(--teal);color:white}.utility .wrap{display:flex;justify-content:space-between;gap:12px;font-size:12px;min-height:33px;align-items:center}.utility a{color:white;font-weight:700;text-decoration:none}.head{background:white;border-bottom:1px solid var(--line);position:relative;z-index:8}.head-row{display:flex;justify-content:space-between;gap:25px;align-items:center;min-height:84px}.brand{max-width:280px;width:100%;display:inline-flex;align-items:center}.brand img{width:100%;object-fit:contain}.nav{display:flex;gap:22px;align-items:center}.nav a{font-size:13px;font-weight:760;color:var(--dark);text-decoration:none}.nav a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--teal);text-decoration-thickness:3px;text-underline-offset:6px}.actions{display:flex;gap:13px;align-items:center}.phone{font-weight:850;white-space:nowrap;text-decoration:none;color:var(--near)}.btn{min-height:44px;padding:10px 17px;border-radius:9px;display:inline-flex;align-items:center;justify-content:center;text-align:center;border:1px solid transparent;text-decoration:none;font-size:13px;line-height:1.25;font-weight:780;cursor:pointer}.btn.dark{background:var(--dark);color:white}.btn.teal{background:var(--teal);color:var(--near)}.btn.outline{border-color:var(--dark);color:var(--dark);background:white}.nav-button{display:none;background:white;border:1px solid var(--line);border-radius:8px;padding:9px 12px;color:var(--dark);font-weight:780}.mobile-call{display:none}
.crumb{padding:18px 0;font-size:12px;color:var(--mute)}.crumb a{text-decoration:none}.hero{background:var(--dark);color:white;position:relative;overflow:hidden}.hero:after{content:'';position:absolute;right:-180px;top:-190px;width:550px;height:550px;border:80px solid rgba(27,188,155,.15);border-radius:50%;pointer-events:none}.hero .wrap{position:relative;z-index:1;padding:48px 0 51px}.eyebrow{font-weight:850;text-transform:uppercase;letter-spacing:.12em;font-size:11px;color:#72DFBE}.hero h1{font-size:clamp(34px,4.2vw,54px);line-height:1.12;max-width:820px;letter-spacing:-.04em;margin:13px 0 14px}.hero h1 span{color:#7BE4C6}.hero p{color:#E3EEEA;max-width:720px;font-size:16px;margin:0 0 26px}.search-form{max-width:820px;display:flex;align-items:stretch;background:white;padding:7px;border-radius:12px;box-shadow:0 12px 25px rgba(0,0,0,.12)}.search-form label{flex:1;display:flex;gap:10px;align-items:center;min-width:0;padding:0 12px;color:#4B5A54}.search-form input{border:0;outline:0;flex:1;min-width:0;color:var(--near);font-size:15px;height:42px;background:transparent}.search-form button{border:0;background:var(--teal);color:var(--near);border-radius:8px;padding:10px 25px;font-size:14px;font-weight:850;cursor:pointer}.quicktags{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px}.quicktags a{border:1px solid rgba(255,255,255,.3);padding:6px 12px;border-radius:20px;color:white;font-size:12px;text-decoration:none;font-weight:650}.quicktags a:hover{border-color:var(--teal);color:#91EFD3}
main{min-height:600px}.page-intro{padding:42px 0 26px}.sectionline{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:17px}.kicker{font-weight:850;color:#197760;text-transform:uppercase;font-size:11px;letter-spacing:.1em}.sectionline h2{font-size:clamp(25px,3.5vw,34px);margin:6px 0 0;letter-spacing:-.025em}.sectionline p{max-width:560px;color:var(--mute);margin:4px 0 0;font-size:13px}.spotlights{display:grid;grid-template-columns:1.35fr 1fr 1fr;gap:17px}.spot{border:1px solid var(--line);border-radius:15px;padding:22px;min-height:230px;background:white;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 3px 14px rgba(0,0,0,.02);text-decoration:none;color:inherit}.spot.primary{background:var(--light);border-color:#B9DFD0}.spot .mini{color:#197760;font-size:11px;font-weight:850;text-transform:uppercase;letter-spacing:.07em}.spot h3{font-size:clamp(19px,2vw,23px);letter-spacing:-.02em;line-height:1.28;margin:10px 0}.spot p{font-size:13px;color:var(--mute);margin:0}.spot .arrow{color:#146550;font-weight:850;font-size:13px;margin-top:19px}.spot:hover{border-color:var(--teal);transform:translateY(-2px);transition:.16s}
.maincontent{padding:24px 0 70px}.library{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:31px;align-items:start}.filterbar{padding:12px 0 22px;border-bottom:1px solid var(--line);margin-bottom:22px}.filterbar .top{display:flex;justify-content:space-between;align-items:center;gap:12px}.filterbar h2{font-size:25px;letter-spacing:-.02em;margin:0 0 11px}.count{font-size:12px;color:var(--mute)}.tabs{display:flex;gap:8px;flex-wrap:wrap}.tab{background:white;border:1px solid var(--line);color:var(--dark);font-weight:720;border-radius:50px;padding:9px 13px;font-size:12px;cursor:pointer}.tab[aria-pressed=true]{background:var(--dark);border-color:var(--dark);color:white}.listing{display:grid;grid-template-columns:1fr 1fr;gap:18px}.post{border:1px solid var(--line);border-radius:13px;overflow:hidden;background:white;display:flex;flex-direction:column;min-width:0}.post-head{height:100px;background:linear-gradient(115deg,#E6F6EF,#F4F9F7);padding:16px 20px;display:flex;justify-content:space-between;align-items:start;position:relative;overflow:hidden}.post-head:after{content:'';width:180px;height:180px;border:28px solid rgba(27,188,155,.14);position:absolute;border-radius:50%;right:-80px;top:-75px}.post-head span{font-size:11px;font-weight:780;color:#197760;text-transform:uppercase;letter-spacing:.07em;position:relative;z-index:1}.post-head .symbol{font-size:26px;opacity:.6;position:relative;z-index:1}.post-body{padding:19px 19px 21px;display:flex;flex-direction:column;flex:1}.post h3{font-size:19px;line-height:1.29;letter-spacing:-.025em;margin:0 0 10px}.post h3 a{color:var(--near);text-decoration:none}.post h3 a:hover{text-decoration:underline;text-decoration-color:var(--teal)}.post p{font-size:13px;color:var(--mute);line-height:1.6;margin:0 0 16px;flex:1}.post .read{color:#145F4B;font-size:13px;font-weight:850;text-decoration:none}.post .read:hover{text-decoration:underline}.empty{padding:45px 20px;background:var(--light);border-radius:12px;border:1px solid var(--line);text-align:center}.empty[hidden],.post[hidden]{display:none}.loadmore{margin:26px auto 0;display:block;background:white;border:1px solid var(--dark);color:var(--dark);border-radius:9px;padding:12px 24px;font-size:13px;font-weight:780;cursor:pointer}.loadmore[hidden]{display:none}.side{display:grid;gap:18px;padding-top:10px}.sidecard{border-radius:13px;border:1px solid var(--line);padding:21px;background:white}.sidecard h3{font-size:18px;letter-spacing:-.02em;margin:0 0 10px}.sidecard p{font-size:13px;color:var(--mute);margin:0 0 13px}.sidecard ul{margin:0;padding:0;list-style:none}.sidecard li+li{border-top:1px solid var(--line)}.sidecard li a{padding:10px 0;display:flex;text-decoration:none;color:var(--dark);font-size:13px;font-weight:700}.sidecard.cta{background:var(--dark);color:white;border-color:var(--dark)}.sidecard.cta p{color:#E4EAE7}.sidecard.cta .btn{width:100%;margin-top:7px}.advisor{display:flex;align-items:center;gap:12px;margin-bottom:14px}.advisor img{width:69px;height:69px;object-fit:cover;object-position:center 22%;border-radius:10px}.advisor strong{display:block;font-size:15px}.advisor span{display:block;font-size:11px;color:var(--mute)}.refresh{border-top:1px solid var(--line);margin-top:49px;padding:25px 0;display:flex;gap:15px;align-items:center;justify-content:space-between}.refresh p{margin:0;color:var(--mute);font-size:13px;max-width:850px}
.footer{background:var(--dark);color:#fff;padding:45px 0 23px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:35px}.footer .logobox{background:white;border-radius:10px;max-width:285px;padding:9px 13px}.footer .logobox img{display:block;width:100%}.footer p{font-size:13px;max-width:400px;color:#DAE9E4}.footer h3{font-size:14px;margin:0 0 15px}.footer a{display:block;color:#E4F8F0;text-decoration:none;font-size:13px;margin:8px 0}.footer a:hover{text-decoration:underline}.copyright{border-top:1px solid #5C5C59;margin-top:27px;padding-top:16px;color:#DFE4E2;font-size:11px}
.article-body{max-width:780px;margin:auto;padding:10px 0 70px}.article-body h1{font-size:clamp(33px,4vw,49px);line-height:1.14;letter-spacing:-.035em;margin:9px 0 15px}.article-body h2{font-size:26px;letter-spacing:-.02em;margin:31px 0 10px}.article-body p,.article-body li{font-size:16px;line-height:1.83;color:#333E38}.article-body li{margin-bottom:8px}.article-byline{display:flex;align-items:center;gap:14px;padding:16px 0;margin:15px 0 25px;border-bottom:1px solid var(--line);border-top:1px solid var(--line)}.article-byline img{width:62px;height:62px;object-fit:cover;object-position:center 23%;border-radius:50%}.article-byline strong{display:block}.article-byline small{color:var(--mute)}.article-toc{border:1px solid var(--line);border-radius:11px;background:var(--light);padding:21px;margin:24px 0}.article-toc h2{font-size:18px;margin:0 0 12px}.article-toc a{display:block;padding:4px 0}.article-note{border-left:4px solid var(--teal);background:var(--light);padding:16px 18px;border-radius:7px;margin:23px 0}.article-share{display:flex;gap:10px;flex-wrap:wrap;margin:27px 0}.article-share button{cursor:pointer}.article-related{border-top:1px solid var(--line);padding-top:25px;margin-top:45px}.article-related a{display:block;padding:8px 0;font-weight:650}
@media(max-width:1040px){.head-row{gap:13px}.brand{max-width:218px}.nav{gap:13px}.actions .phone{display:none}.library{grid-template-columns:minmax(0,1fr) 245px;gap:19px}}
@media(max-width:790px){.utility .wrap span:nth-child(2){display:none}.head-row{min-height:68px}.brand{max-width:225px}.nav-button{display:inline-flex}.head .nav{display:none;position:absolute;left:0;right:0;top:100%;background:white;padding:15px 20px;box-shadow:0 8px 16px #0002;flex-direction:column;align-items:stretch}.head .nav.open{display:flex}.actions{display:none}.mobile-call{display:block;font-size:14px;color:var(--dark);font-weight:800;text-decoration:none}.hero .wrap{padding:34px 0 40px}.spotlights{grid-template-columns:1fr 1fr}.spot.primary{grid-column:1/-1}.spot{min-height:180px}.library{grid-template-columns:1fr}.side{grid-template-columns:1fr 1fr;padding:0}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:530px){.wrap{width:calc(100% - 28px)}.utility .wrap{font-size:11px}.head-row{gap:8px}.brand{max-width:174px}.mobile-call{font-size:12px}.nav-button{padding:8px 10px;font-size:12px}.hero .wrap{padding:29px 0 35px}.hero h1{font-size:35px}.hero p{font-size:14px;margin-bottom:18px}.search-form{gap:0;padding:5px}.search-form label{padding:0 7px}.search-form input{font-size:13px}.search-form button{padding:9px 12px;font-size:12px}.quicktags a{font-size:11px;padding:5px 9px}.page-intro{padding:31px 0 16px}.spotlights,.listing,.side,.footer-grid{grid-template-columns:1fr}.spot.primary{grid-column:auto}.spot{min-height:150px;padding:18px}.spot h3{font-size:20px}.maincontent{padding-top:12px}.filterbar h2{font-size:23px}.post-head{height:74px}.post-body{padding:17px}.side{gap:12px}.refresh{display:block}.refresh .btn{margin-top:15px}.footer{padding-top:32px}.article-body h1{font-size:32px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.spot:hover{transform:none}}
/* Additional server-rendered navigation styles for WordPress integration */
.tab[aria-current="page"]{background:var(--dark);border-color:var(--dark);color:#fff;text-decoration:none}
.wp-pager{display:flex;flex-wrap:wrap;gap:7px;padding:24px 0 0}
.wp-pager a{border:1px solid var(--line);border-radius:8px;padding:9px 13px;text-decoration:none;font-weight:700}
.wp-pager a[aria-current="page"]{background:var(--dark);color:#fff;border-color:var(--dark)}
/* Static HTML archive: pagination links and search results. */
.search-fallback{margin-top:24px;font-size:13px;color:var(--mute)}
.wp-pager a:focus-visible{outline:3px solid var(--teal);outline-offset:3px}
@media(max-width:530px){.wp-pager a{padding:8px 11px}.search-form input{min-width:0}}
.archive-heading{padding:5px 0 12px}
.archive-heading h1{font-size:clamp(28px,3.4vw,41px);letter-spacing:-.03em;line-height:1.2;margin:6px 0 8px}
.archive-heading p{font-size:14px;color:var(--mute);margin:0}

/* Cards without the decorative header strip (saves ~100px per card on phones) */
.post-meta{display:flex;flex-wrap:wrap;gap:6px 10px;align-items:center;margin-bottom:10px}
.post-cat{font-size:11px;font-weight:780;color:#197760;text-transform:uppercase;letter-spacing:.07em}
.post-updated{font-size:11px;font-weight:700;color:#393938;background:#E6F6EF;border-radius:999px;padding:2px 9px}
.post{border-top:3px solid var(--teal)}