@import url('https://fonts.googleapis.com/css2?family=Gidole&display=swap');


:root {
  --accent: #34d1f9;
  --bg: #00070b;
  --panel: #01121d;
  --line: rgba(52, 209, 249, .66);
  --text: #ffffff;
  --muted: rgba(255, 255, 255, .82);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: "Gidole", sans-serif;
  font-size: 20px;
  line-height: 1.25;
  overflow-x: hidden;
}

h1,
h2,
h3 {
  font-family: "Source Serif 4", serif;

}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
}

/* .container {
  max-width: 1440px;
} */

.site-header {
  background: #000;
  position: relative;
  z-index: 20;
}

@media (min-width: 1200px) {
  .site-header .container {
    max-width: 1560px;
    padding-right: 0;
    padding-left: 0;
  }
}

.header-wrap {
  display: flex;
  align-items: stretch;
  gap: 0;
  padding-top: 0;
  padding-bottom: 0;
}

.navbar-brand {
  flex: 0 0 275px;
  width: 275px;
  margin: 0;
  display: flex;
  align-items: center;
  padding: 16px 0 20px 48px;
  z-index: 2;
}

.navbar-brand img {
  display: block;
  width: 180px;
  height: auto;
}

.header-main {
  flex: 1;
  min-width: 0;
  display: flex;
  flex-direction: column;
}

.topbar {
  position: relative;
  height: 94px;
  overflow: hidden;
  margin-left: 30px;
  background: var(--accent);
  clip-path: polygon(0 0, 100% 0, 100% 100%, 39px 100%);
}

.topbar-panel {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 36px;
  height: calc(100% - 1px);
  margin: 1px 0 0 1px;
  padding: 0 72px 0 112px;
  clip-path: polygon(0 0, 100% 0, 100% 100%, 38px 100%);
  border-bottom: 1px solid #34d1f9;
}

.topbar-panel::before {
  content: "";
  position: absolute;
  left: 37px;
  top: -12px;
  width: 2px;
  height: 128px;
  background: linear-gradient(180deg, #7cf0ff, var(--accent));
  box-shadow: 0 0 10px rgba(52, 209, 249, .85);
  transform: rotate(-38deg);
  pointer-events: none;
}

.top-contact,
.top-actions {
  display: flex;
  align-items: center;
}

.top-contact {
  gap: 0;
}

.top-actions {
  gap: 36px;
  flex-shrink: 0;
}

.top-contact a {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  font-weight: 600;
  letter-spacing: .2px;
  font-size: 24px;
  white-space: nowrap;
}

.top-contact a+a {
  margin-left: 38px;
  padding-left: 38px;
  border-left: 1px solid rgba(52, 209, 249, .7);
}

.top-contact img,
.footer-section p img {
  width: 16px;
  height: 16px;
}

.pill-btn {
  min-height: 51px;
  display: inline-flex;
  align-items: center;
  gap: 28px;
  border: 1px solid var(--accent);
  border-radius: 999px;
  padding: 7px 7px 7px 36px;
  color: #fff;
  font-size: 20px;
  font-weight: 700;
  letter-spacing: .2px;
  background: transparent;
  white-space: nowrap;
  transition: .25s ease;
}

.pill-btn span {
  width: 37px;
  height: 37px;
  display: grid;
  place-items: center;
  background: #fff;
  border-radius: 50%;
  color: #000;
  font-family: Arial, sans-serif;
  font-size: 20px;
  line-height: 1;
}

.pill-btn:hover {
  background: var(--accent);
  color: #001018;
}

.main-nav {
  min-height: 103px;
  padding: 0;
}

.main-nav .navbar-collapse {
  min-height: 103px;
}

.navbar-toggler {
  border-color: var(--accent);
  background: transparent;
  padding: 6px 8px;
}

.navbar-toggler:focus {
  box-shadow: 0 0 0 .15rem rgba(52, 209, 249, .35);
}

.main-nav .navbar-nav {
  width: 100%;
  flex-wrap: nowrap;
  justify-content: center;
  gap: 2px 19px;
  color: #fff;
  font-size: 21px;
  font-weight: 600;
  padding: 37px 0;
  white-space: nowrap;
}

.main-nav .nav-link {
  color: #fff;
  font-size: 18px;
  font-weight: 600;
  padding: 37px 0;
  white-space: nowrap;
}

.main-nav .nav-link:hover,
.main-nav .nav-link.active,
.dropdown-item:hover {
  color: var(--accent);
}

.main-nav .nav-link.active {
  color: #fff;
}

.main-nav .nav-link.active::before {
  content: "";
  width: 11px;
  height: 11px;
  display: inline-block;
  margin-right: 6px;
  background: #fff;
  border-radius: 50%;
  vertical-align: middle;
}

.dropdown-menu {
  background: #00111a;
  border: 1px solid var(--line);
}

.dropdown-item {
  color: #fff;
  font-size: 16px;
}

.hero-section {
  min-height: 740px;
  position: relative;
  border-bottom: 1px solid var(--line);
  overflow: hidden;
  border-top: 1px solid var(--line);
}

.hero-carousel,
.hero-carousel .owl-stage-outer,
.hero-carousel .owl-stage,
.hero-carousel .owl-item,
.hero-slide {
  min-height: inherit;
}

.hero-slide {
  display: flex;
  align-items: center;
}

.hero-carousel .owl-item.animated {
  animation-duration: .7s;
  animation-fill-mode: both;
}

.hero-carousel .owl-item.fadeIn {
  animation-name: fadeIn;
}

.hero-carousel .owl-item.fadeOut {
  animation-name: fadeOut;
}



.hero-content {
  position: relative;
  z-index: 1;
  max-width: 530px;
}

.hero-content h1 {
  margin-bottom: 22px;
  font-size: clamp(52px, 3.5vw, 62px);
}

h1 span,
h2 span,
.offer-card h3,
.footer-section h3 {
  color: var(--accent);
}

.hero-content p {
  max-width: 355px;
  margin-bottom: 42px;
  color: var(--muted);
  font-size: 27px;
  font-weight: 500;
}

.feature-strip,
.section-padding,
.choose-section,
.work-section,
.faq-section {
  border-bottom: 1px solid var(--line);
}

.feature-strip {
  background: linear-gradient(180deg, #001322, #000911);
}

.feature-item {
  min-height: 214px;
  padding: 42px 24px 32px;
  text-align: center;
  border-left: 1px solid rgba(52, 209, 249, .5);
}

.feature-item:first-child {
  border-left: 0;
}

.feature-item img {
  width: 66px;
  height: 66px;
  margin-bottom: 26px;
}

.feature-item h3,
.work-step h3,
.review-user h3 {
  font-family: "Gidole", sans-serif;
}

.feature-item h3 {
  margin-bottom: 14px;
  font-size: 21px;
  font-weight: 700;
}

.feature-item p {
  max-width: 150px;
  margin: 0 auto;
  color: var(--muted);
  font-size: 18px;
}

.section-padding {
  padding: 48px 0 66px;
}

.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 28px;
  margin-bottom: 46px;
}

h2 {
  margin-bottom: 16px;
  font-size: clamp(42px, 3.5vw, 68px);
}

.section-head p,
.choose-section p,
.testimonial-section p,
.faq-accordion,
.footer-section {
  color: var(--muted);
}

.section-head p {
  max-width: 840px;
  margin: 0;
  font-size: 22px;
}

.offer-card {
  width: 100%;
  height: 100%;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #00111d;
}

.offer-number {
  padding: 16px 32px;
  color: var(--accent);
  font-size: 18px;
  font-weight: 700;
  display: none;
}

.offer-img {
  width: 100%;
  height: 180px;
  object-fit: cover;
}

.offer-body {
  position: relative;
  min-height: 186px;
  padding: 18px 32px 33px;
  background: #00111d;
}

.offer-body>img {
  width: 70px !important;
  height: 70px;
  position: absolute;
  left: 31px;
  top: -35px;
  display: block;
  padding: 13px;
  border-radius: 50%;
  background: #00111d;
  border: 1px solid transparent;
  object-fit: contain;
  display: none;
}

.offer-card h3 {
  margin-bottom: 12px;
  font-size: 22px;
  line-height: 1.12;
}

.offer-card p {
  max-width: 230px;
  min-height: 42px;
  margin-bottom: 15px;
  color: #fff;
  font-size: 16px;

}

.offer-card a {
  color: var(--accent);
  font-size: 16px;
  font-weight: 700;
}

.owl-dots {
  margin-top: 24px;
  text-align: center;
}

.owl-dot span {
  width: 9px;
  height: 9px;
  display: block;
  margin: 0 5px;
  border: 1px solid var(--accent);
  border-radius: 50%;
}

.owl-dot.active span {
  background: var(--accent);
}

.choose-section {
  min-height: 510px;
  display: flex;
  align-items: center;
  padding: 50px 0;
}

.choose-visual,
.faq-visual {
  min-height: 390px;
  background-repeat: no-repeat;
  background-size: 1560px 4407px;
}

.choose-visual {

  background-position: left 48% top 57.5%;
}

.choose-section p {
  max-width: 850px;
  margin-bottom: 28px;
  font-size: 24px;
}

.check-list {
  display: grid;
  gap: 15px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 31px;
  font-size: 18px;
  font-weight: 600;
}

.check-list li::before {
  content: "\2713";
  position: absolute;
  left: 0;
  top: 0;
  width: 20px;
  height: 20px;
  display: grid;
  place-items: center;
  border: 2px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font-size: 13px;
  font-family: Arial, sans-serif;
}

.work-section {
  padding: 52px 0 72px;
}

.work-row {
  max-width: 960px;
  margin-top: 54px;
}

.work-step {
  padding: 0 34px;
  text-align: center;
  border-left: 1px solid rgba(52, 209, 249, .66);
}

.work-step:first-child {
  border-left: 0;
}

.work-step strong {
  display: block;
  margin-bottom: 18px;
  color: var(--accent);
  font-size: 45px;
  line-height: 1;
}

.work-step h3 {
  margin-bottom: 8px;
  font-size: 29px;
  font-weight: 500;
}

.work-step p {
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.05;
}

.testimonial-section {
  background: #000910;
}

.testimonial-section h2 span {
  display: block;
}

.testimonial-section p {
  margin-bottom: 30px;
  font-size: 24px;
}

.review-card {
  min-height: 240px;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #01111c;
}

.review-user {
  display: flex;
  align-items: center;
  gap: 17px;
  margin-bottom: 25px;
}

.review-user img {
  width: 70px !important;
  height: 70px;
  border-radius: 50%;
}

.review-user h3 {
  margin: 0 0 4px;
  font-size: 22px;
  font-weight: 700;
}

.review-user span {
  font-size: 14px;
  font-weight: 700;
}

.review-card p {
  min-height: 82px;
  margin-bottom: 12px;
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  line-height: 1.15;
}

.stars {
  color: #ffbf2f;
  font-size: 16px;
  letter-spacing: 1px;
}

.faq-section {
  position: relative;
  overflow: hidden;
  isolation: isolate;
  padding: 0;
}

.faq-background-image {
  position: absolute;
  inset: 0;
  z-index: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.faq-overlay {
  position: relative;
  z-index: 1;
  padding: 54px 0;
  background: rgba(0, 19, 34, .72);
}

.faq-visual {}

.faq-accordion {
  max-width: 790px;
}

.accordion-item {
  background: transparent;
  border: 0;
  border-bottom: 1px solid rgba(52, 209, 249, .8);
  border-radius: 0px !important;
}

.accordion-button {
  padding: 22px 0;
  background: transparent;
  color: #fff;
  box-shadow: none;
  font-family: "Gidole", sans-serif;
  font-size: 22px;
  font-weight: 600;
}

.accordion-button:not(.collapsed) {
  background: transparent;
  color: #fff;
  box-shadow: none;
}

.accordion-button::after {
  content: "+";
  width: auto;
  height: auto;
  background: none;
  color: #fff;
  font-size: 26px;
}

.accordion-button:not(.collapsed)::after {
  content: "-";
  transform: none;
}

.accordion-body {
  padding: 0 0 22px;
  color: var(--muted);
  font-size: 19px;
}

.footer-section {
  padding: 58px 0 28px;
  background: #000;
}

.footer-logo {
  width: 245px;
  margin-bottom: 24px;
}

.social-links {
  display: flex;
  gap: 20px;
  padding-left: 42px;
}

.social-links a {
  color: #fff;
  display: inline-flex;
  width: 27px;
  height: 27px;
  align-items: center;
  justify-content: center;
  transition: opacity .2s ease, transform .2s ease;
}

.social-links a:hover,
.social-links a:focus-visible {
  color: #fff;
  opacity: .75;
  transform: translateY(-2px);
}

.social-links img {
  display: block;
  width: 100%;
  height: 100%;
}

.footer-section h3 {
  margin-bottom: 15px;
  font-size: 31px;
}

.footer-section ul {
  display: grid;
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.footer-section li,
.footer-section p,
.contact-form {
  font-size: 18px;
  font-weight: 500;
}

.footer-section p {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  margin-bottom: 12px;
}

.contact-form {
  display: grid;
  gap: 12px;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  border: 0;
  border-radius: 2px;
  padding: 13px 16px;
  color: #111;
  font: 600 18px/1 "Barlow Condensed", sans-serif;
}

.contact-form textarea {
  min-height: 90px;
  resize: vertical;
}

.form-check-wrap {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}

.form-check-wrap label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #fff;
  font-size: 16px;
}

.form-check-wrap input {
  width: 16px;
  height: 16px;
  padding: 0;
  appearance: none;
  border: 1px solid rgba(255, 255, 255, .8);
  background: transparent;
}

.contact-form button {
  border: 0;
  padding: 15px 24px;
  background: var(--accent);
  color: #001018;
  font: 700 20px/1 "Barlow Condensed", sans-serif;
}

.copyright {
  margin-top: 42px;
  text-align: center;
  color: #fff;
  font-size: 15px;
}

/* Tax saving strategies page */
.tax-saving-page {
  background: #000b13;
}

.tax-saving-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.tax-saving-hero-copy {
  max-width: 670px;
}

.eyebrow {
  margin: 0 0 12px !important;
  color: var(--accent) !important;
  font: 700 16px/1 "Barlow Condensed", sans-serif !important;
  letter-spacing: 2px !important;
}

.tax-saving-hero h1 {
  margin: 0 0 18px;
  font-size: clamp(54px, 5vw, 80px);
  line-height: .96;
}

.tax-saving-hero h1 span,
.tax-saving-page h2 span {
  color: var(--accent);
}

.tax-saving-hero p:not(.eyebrow) {
  max-width: 600px;
  margin: 0;
  color: var(--muted);
  font-size: 24px;
  line-height: 1.25;
}

.tax-saving-intro {
  padding: 78px 0;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(112deg, #001a2b, #000a12 75%);
}

.tax-saving-intro-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(280px, .65fr);
  align-items: center;
  gap: 78px;
}

.tax-saving-intro h2,
.tax-section-heading h2,
.tax-benefits h2,
.tax-discovery h2 {
  margin: 0 0 20px;
  font-size: clamp(42px, 3.0vw, 66px);
  line-height: 1.02;
}

.tax-saving-intro p,
.tax-benefits p,
.tax-discovery p {
  color: var(--muted);
  font-size: 20px;
  line-height: 1.3;
}

.tax-saving-intro p {
  margin: 0 0 16px;
}

.tax-saving-intro img {
  width: 100%;
  max-width: 390px;
  justify-self: end;
  border: 1px solid var(--accent);
  border-radius: 18px;
}

.tax-strategies {
  padding: 78px 0 86px;
  border-bottom: 1px solid var(--line);
  background: radial-gradient(ellipse at 15% 0, #003456 0, transparent 34%), #000b13;
}

.tax-section-heading {
  margin-bottom: 40px;
}

.tax-strategy-grid {
  display: grid;
  gap: 58px;
}

.tax-strategy-card {
  position: relative;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: clamp(10px, 1.5vw, 24px);
  margin: 0;
}

/* .tax-strategy-card:last-child {
  grid-column: 1 / -1;
  max-width: calc(100% - 12px);
} */

.tax-strategy-card>span {
  position: absolute;
  z-index: 1;
  top: 12px;
  left: 14px;
  color: var(--accent);
  font: 700 17px/1 "Barlow Condensed", sans-serif;
}

.tax-strategy-card>img {
  width: min(100%, 460px);
  aspect-ratio: 1 / 1;
  height: auto;
  min-height: 0;
  object-fit: cover;
  object-position: center;
  justify-self: start;
  border: 1px solid var(--accent);
  border-radius: 16px;
}

.tax-strategy-card>div {
  padding: 10px 0;
}

/* Alternate the two equal columns: image/content, then content/image. */
.tax-strategy-card:nth-child(even)>img {
  grid-column: 2;
  justify-self: end;
}

.tax-strategy-card:nth-child(even)>div {
  grid-column: 1;
  grid-row: 1;
}

.tax-strategy-card h3 {
  margin: 0 0 12px;
  color: var(--accent);
  font-size: 36px;
  line-height: 1.04;
}

.tax-strategy-card h3 em {
  color: #fff;
  font-size: .7em;
  font-style: normal;
}

.tax-strategy-card p {
  margin: 0 0 12px;
  color: var(--muted);
  font-size: 20px;
  line-height: 1.18;
}

.tax-strategy-card a {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-top: 5px;
  color: var(--accent);
  font: 500 18px / 1.15 "Barlow Condensed", sans-serif;
  padding: 17px;
  border: 1px solid var(--accent);
  border-radius: 6px;
  margin-top: 12px;
}

.tax-strategy-card a b {
  font: 700 22px/1 Arial, sans-serif;
}

.tax-benefits {
  padding: 82px 0;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(120deg, #001a2b 0, #00111c 57%, #000810 100%);
}

.tax-benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 80px;
  align-items: center;
}

.tax-benefits p {
  max-width: 530px;
  margin: 0;
}

.tax-benefits .check-list {
  gap: 18px;
}

.tax-benefits .check-list li {
  color: #fff;
  font-size: 19px;
  font-weight: 500;
}

.tax-discovery {
  min-height: 425px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(90deg, rgba(0, 10, 18, .95), rgba(0, 10, 18, .7)), url('../img/tax.png') center / cover no-repeat;
}

.tax-discovery-copy {}

.tax-discovery p {

  margin: 0 0 16px;
}

.tax-saving-cta {
  border-bottom: 1px solid var(--line);
}

@media (max-width: 991px) {
  .tax-saving-hero {
    min-height: 410px;
  }

  .tax-saving-intro,
  .tax-strategies,
  .tax-benefits {
    padding: 58px 0;
  }

  .tax-saving-intro-grid,
  .tax-benefits-grid {
    grid-template-columns: 1fr;
    gap: 34px;
  }

  .tax-saving-intro img {
    justify-self: start;
    max-width: 300px;
  }

  .tax-strategy-card {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 680px) {
  .tax-saving-hero {
    min-height: 350px;
    background-position: 64% center;
  }

  .tax-saving-hero p:not(.eyebrow) {
    font-size: 20px;
  }

  .tax-saving-intro p,
  .tax-benefits p,
  .tax-discovery p {
    font-size: 18px;
  }

  .tax-strategy-grid {
    grid-template-columns: 1fr;
  }

  .tax-strategy-card,
  .tax-strategy-card:last-child {
    grid-column: auto;
    grid-template-columns: 1fr;
    max-width: none;
  }

  .tax-strategy-card>img {
    width: 100%;
    height: 180px;
    aspect-ratio: auto;
    min-height: 0;
    object-position: center 30%;
  }

  .tax-strategy-card:nth-child(even)>img,
  .tax-strategy-card:nth-child(even)>div {
    grid-column: auto;
    grid-row: auto;
  }

  .tax-strategy-card>div {
    padding: 25px 22px;
  }

  .tax-strategy-card h3 {
    font-size: 26px;
  }

  .tax-discovery {
    min-height: 450px;
    padding: 52px 0;
    background-position: 65% center;
  }
}

/* Term life page */
.term-page {
  background: #000b16;
  overflow: hidden;
}

.term-page h1 span,
.term-page h2 span,
.term-page h3 span {
  color: var(--accent);
}

.term-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
  position: relative;
  isolation: isolate;
}

.term-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(0, 7, 15, .82) 0%, rgba(0, 7, 15, .47) 40%, rgba(0, 7, 15, .05) 75%);
}

.term-hero-copy {
  max-width: 560px;
}

.term-hero h1,
.term-why h2,
.term-select h2,
.term-coverage h2 {
  margin: 0;
  font-size: clamp(36px, 3.8vw, 72px);
}

.term-why h2,
.term-select h2,
.term-coverage h2 {
  margin: 0;
  font-size: clamp(36px, 3.0vw, 72px);
}

.term-why h2 {
  margin-top: 30px;
}

.term-hero p {
  max-width: 500px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 25px;
  line-height: 1.25;
}

.term-why {
  padding: 88px 0 92px;
  background: radial-gradient(ellipse at 75% 48%, rgba(0, 91, 148, .46), transparent 48%), linear-gradient(110deg, #00040c, #002442 60%, #001529);
  border-bottom: 1px solid var(--line);
}

.term-why h2 {
  margin-bottom: 24px;
}

.term-intro {
  color: var(--muted);
  font-size: 22px;
  line-height: 1.25;
}

.term-why .term-intro {
 
}

.term-intro p {
  margin: 0 0 18px;
}

.term-intro h3 {
  margin: 28px 0 14px;
  color: #fff;
  font-size: clamp(30px, 2.2vw, 44px);
}

.term-intro h3 span,
.term-select a,
.coverage-intro a {
  color: var(--accent);
}

.term-select a,
.coverage-intro a {
  text-decoration: underline;
  text-underline-offset: 3px;
}

.term-benefits {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  margin-top: 38px;
}

.term-benefits article {
  min-height: 154px;
  padding: 0 30px;
  text-align: center;
  border-left: 1px solid rgba(52, 209, 249, .65);
}

.term-why .term-benefits article {
  transition: transform .25s ease, background .25s ease;
}

.term-why .term-benefits article:hover {
  transform: translateY(-6px);
}

.term-benefits article:first-child {
  border-left: 0;
}

.term-benefits img {
  width: 72px;
  height: 72px;
  margin-bottom: 15px;
  object-fit: contain;
}

.term-benefits p {

  margin: 0 auto;
  color: var(--muted);
  font-size: 23px;
  line-height: 1.05;
}

.term-select {
  min-height: 540px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.term-select-content {
  display: grid;

  align-items: center;
}

.term-select article {
  padding: 70px 18px 70px 54px;
}

.term-select h2 {
  margin-bottom: 18px;
  font-size: clamp(42px, 3.7vw, 62px);
}

.term-select p {
  
  margin: 0 0 16px;
  color: var(--muted);
  font-size: 22px;
  line-height: 1.25;
}

.term-coverage {
  padding: 90px 0;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.term-coverage-grid {
  display: grid;
  grid-template-columns: 1.45fr 1fr 1fr;
  align-items: center;
}

.coverage-intro {
  padding-right: 72px;
}

.coverage-intro h2 {
  margin-bottom: 20px;
}

.coverage-intro p,
.coverage-option p {
  margin: 0;
  color: var(--muted);
  font-size: 22px;
  line-height: 1.25;
}

.coverage-option {
  min-height: 170px;
  padding: 0 34px;
  text-align: center;
  border-left: 1px solid rgba(52, 209, 249, .7);
}

.term-benefits-info,
.term-renewal,
.term-find {
  position: relative;
  padding: 88px 0;
  border-bottom: 1px solid var(--line);
}

.term-benefits-info {
  padding: 72px 0;
  background: radial-gradient(ellipse at 84% 4%, rgba(10, 108, 165, .31), transparent 40%), linear-gradient(130deg, #000b16, #001425);
}

.term-benefits-info>.container>p:not(.term-benefits-note) {
  
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 22px;
  line-height: 1.4;
}

.term-benefits-info h2,
.term-renewal h2,
.term-find h2 {
  font-size: clamp(40px, 3.2vw, 66px);
  line-height: 1.1;
}

.term-benefits-info .term-benefits {
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin: 38px 0 26px;
}

.term-benefits-info .term-benefits article {
  min-height: 236px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  padding: 28px;
  text-align: left;
  border: 1px solid rgba(52, 209, 249, .25);
  border-radius: 14px;
  background: linear-gradient(145deg, rgba(6, 35, 55, .92), rgba(1, 16, 29, .94));
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .035), 0 14px 30px rgba(0, 0, 0, .16);
  transition: transform .25s ease, border-color .25s ease, background .25s ease;
}

.term-benefits-info .term-benefits article:hover {
  transform: translateY(-6px);
  border-color: rgba(52, 209, 249, .75);
  background: linear-gradient(145deg, rgba(7, 53, 80, .96), rgba(1, 20, 35, .96));
}

.term-benefits-info .term-benefits article+article {
  border-left: 1px solid rgba(52, 209, 249, .25);
}

.term-benefits-info .term-benefits img {
  width: 58px;
  height: 58px;
  margin: 0 0 22px;
}

.term-benefits-info .term-benefits p {
  max-width: none;
  margin: 0;
  font-size: 21px;
  line-height: 1.28;
}

.term-benefits-note {
  max-width: 100%;
  margin: 0;
  padding: 15px 20px;
  border-left: 3px solid var(--accent);
  color: var(--muted);
  font-size: 17px;
  background: rgba(52, 209, 249, .08);
}

.term-renewal {
    background: linear-gradient(90deg, rgba(0, 14, 22, .55) 0%, rgba(0, 22, 36, .58) 52%, rgba(0, 24, 42, .5) 80%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/What-Happens-When-Your-Term-Ends-2-scaled.jpg) center / cover no-repeat;
}

.term-renewal .term-intro,
.term-find .term-intro {}

.term-renewal .term-intro p,
.term-find .term-intro p {
  font-size: 20px;
  line-height: 1.42;
}

.term-find {
  background: radial-gradient(ellipse at 8% 50%, rgba(0, 101, 158, .36), transparent 43%), #000b16;
}

.term-find .term-intro::after {
  content: "";
  display: block;
  width: 94px;
  height: 3px;
  margin-top: 32px;
  background: var(--accent);
}

.coverage-option strong {
  display: block;
  margin-bottom: 18px;
  color: var(--accent);
  font-size: 42px;
  font-weight: 600;
  line-height: 1;
}

.coverage-option h3 {
  margin: 0 0 16px;
  font-size: 29px;
}

.coverage-option p {
  font-size: 18px;
}

@media (max-width: 991px) {
  .term-hero {
    min-height: 400px;
    background-position: 60% center;
  }

  .term-hero-copy {
    max-width: 470px;
  }

  .term-why,
  .term-coverage {
    padding: 46px 0;
  }

  .term-benefits {
    grid-template-columns: repeat(2, 1fr);
    gap: 26px 0;
  }

  .term-benefits article:nth-child(odd) {
    border-left: 0;
  }

  .term-select-content {
    
  }

  .term-select article {
    padding-left: 34px;
  }

  .term-benefits-info,
  .term-renewal,
  .term-find {
    padding: 64px 0;
  }

  .term-benefits-info .term-benefits {
    grid-template-columns: repeat(2, 1fr);
  }

  .term-coverage-grid {
    grid-template-columns: 1fr 1fr;
    gap: 35px 0;
  }

  .coverage-intro {
    grid-column: 1 / -1;
    padding-right: 0;
  }

  .coverage-option {
    min-height: 150px;
  }
}

@media (max-width: 575px) {
  .term-hero {
    min-height: 420px;
    background-position: 68% center;
  }

  .term-hero::before {
    content: "";
    position: absolute;
    inset: auto 0 0;
    height: 100%;
    background: linear-gradient(90deg, rgba(0, 11, 23, .7), rgba(0, 11, 23, .06));
  }

  .term-hero {
    position: relative;
  }

  .term-hero .container {
    position: relative;
    z-index: 1;
  }

  .term-hero h1 {
    font-size: 48px;
  }

  .term-hero p,
  .term-intro,
  .term-select p,
  .coverage-intro p {
    font-size: 19px;
  }

  .term-why h2,
  .term-select h2,
  .term-coverage h2 {
    font-size: 43px;
  }

  .term-benefits {
    margin-top: 28px;
  }

  .term-benefits article {
    min-height: 170px;
    padding: 0 16px;
  }

  .term-benefits p {
    font-size: 20px;
  }

  .term-select {
    min-height: 540px;
    background-position: 24% center;
  }

  .term-select-content {
    grid-template-columns: 1fr;
  }

  .term-select-content>div {
    display: none;
  }

  .term-select article {
    padding: 32px 8px;
  }

  .term-why,
  .term-coverage,
  .term-benefits-info,
  .term-renewal,
  .term-find {
    padding: 48px 0;
  }

  .term-hero::after {
    background: linear-gradient(90deg, rgba(0, 7, 15, .88), rgba(0, 7, 15, .2));
  }

  .term-benefits-info>.container>p:not(.term-benefits-note),
  .term-renewal .term-intro p,
  .term-find .term-intro p {
    font-size: 18px;
  }

  .term-benefits-info .term-benefits {
    grid-template-columns: 1fr;
    margin: 32px 0 26px;
  }

  .term-benefits-info .term-benefits article {
    min-height: 172px;
    padding: 20px;
  }

  .term-benefits-info .term-benefits img {
    width: 48px;
    height: 48px;
    margin-bottom: 15px;
  }

  .term-benefits-info .term-benefits p {
    font-size: 18px;
  }

  .term-benefits-note {
    font-size: 16px;
  }

  .term-coverage-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .coverage-option {
    min-height: 0;
    padding: 0 10px 26px;
    border-left: 0;
    border-bottom: 1px solid rgba(52, 209, 249, .7);
  }

  .coverage-option:last-child {
    border-bottom: 0;
    padding-bottom: 0;
  }
}

/* Keep the protection cards outlined at every responsive breakpoint. */
.term-benefits-info .term-benefits article:first-child,
.term-benefits-info .term-benefits article:nth-child(odd) {
  border-left: 1px solid rgba(52, 209, 249, .25);
}

/* Corporate insured retirement strategy page */
.corporate-page {
  background: #000914;
}

.corporate-page h1,
.corporate-page h2 {
  margin: 0 0 20px;
  font-size: clamp(34px, 2.0vw, 44px);
}

.corporate-page h1 span,
.corporate-page h2 span,
.corporate-page h3 {
  color: var(--accent);
}

.corporate-page p,
.corporate-page li {
  color: rgba(255, 255, 255, .86);
  font-size: 19px;
  font-weight: 500;
  line-height: 1.3;
}

.corporate-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.corporate-hero h1 {
  font-size: clamp(48px, 3.6vw, 76px);
}

.corporate-intro,
.corporate-objectives,
.corporate-closing {
  padding: 42px 0 46px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(106deg, #00080e, #00213a 60%, #001224);
}

.corporate-intro p {
  max-width: 1380px;
  margin: 0 0 10px;
}

.corporate-intro .lead {
  color: #fff;
  font-size: 21px;
}

.corporate-why {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.corporate-copy {
  width: 49%;
  margin-left: auto;
}

.corporate-why h2,
.corporate-planning h2 {
  margin-bottom: 22px;
}

.corporate-works {
  padding: 43px 0 46px;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.corporate-works h2 {
  margin-bottom: 32px;
}

.corporate-steps {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px 72px;
}

.corporate-steps article {
  display: grid;
  grid-template-columns: 36px 1fr;
  column-gap: 10px;
}

.corporate-steps b {
  color: var(--accent);
  font-family: "Source Serif 4", serif;
  font-size: 42px;
  line-height: 1;
}

.corporate-steps h3 {
  margin: 0 0 6px;
  font-family: "Source Serif 4", serif;
  font-size: 24px;
  font-weight: 700;
}

.corporate-steps p {
  margin: 0;
  font-size: 18px;
}

.corporate-objectives .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 78px;
}

.corporate-objectives h2 {
  margin-bottom: 22px;
}

.corporate-objectives p {
  margin: -4px 0 18px;
}

.corporate-page .check-list {
  display: grid;
  gap: 14px;
}

.corporate-page .check-list li {
  padding-left: 30px;
  font-size: 18px;
}

.corporate-planning {
  min-height: 800px;
  padding: 55px 0;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.corporate-planning .corporate-copy {
  margin-left: 0;
}

.corporate-planning p {
  margin: 0 0 18px;
}

.corporate-closing p {
  margin: 0 0 16px;
}

.corporate-closing h2+p {
  max-width: 1400px;
}

.corporate-closing h2:nth-of-type(2) {
  margin-top: 28px;
}

.corporate-cta {
  display: block;
  margin-top: 28px;
  padding: 17px 25px;
  border: 1px solid var(--accent);
  border-radius: 14px;
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  line-height: 1.2;
  text-align: center;
}

@media (max-width: 991px) {
  .corporate-copy {
    width: 58%;
  }

  .corporate-page p,
  .corporate-page li {
    font-size: 18px;
  }

  .corporate-objectives .container {
    gap: 38px;
  }

  .corporate-why {
    background-position: 35% center;
  }
}

@media (max-width: 575px) {
  .corporate-hero {
    min-height: 330px;
    background-position: 62% center;
  }

  .corporate-page h1,
  .corporate-page h2 {
    font-size: 38px;
  }

  .corporate-intro,
  .corporate-objectives,
  .corporate-closing,
  .corporate-works,
  .corporate-planning {
    padding: 36px 0;
  }

  .corporate-copy {
    width: 100%;
    padding: 24px;
    background: rgba(0, 10, 22, .76);
  }

  .corporate-why {
    min-height: 590px;
    background-position: 35% center;
  }

  .corporate-steps,
  .corporate-objectives .container {
    grid-template-columns: 1fr;
    gap: 26px;
  }

  .corporate-planning {
    min-height: 0;
    background-position: 59% center;
  }

  .corporate-page .check-list li {
    font-size: 17px;
  }

  .corporate-cta {
    font-size: 16px;
  }
}

/* Retirement planning page */
.retirement-page {
  background: #000a16;
}

.retirement-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.retirement-hero-copy {
  max-width: 580px;
}

.retirement-hero h1,
.retirement-content h2 {
  margin: 0;
  font-size: clamp(36px, 3.0vw, 72px);
}

.retirement-hero p {
  max-width: 520px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 25px;
  line-height: 1.25;
}

.retirement-content {
  padding: 56px 0 62px;
  background: radial-gradient(ellipse at 8% 82%, rgba(0, 86, 138, .5), transparent 42%), linear-gradient(110deg, #00050d, #00192e 62%, #000914);
  border-bottom: 1px solid var(--line);
}

.retirement-story {
  display: grid;
  grid-template-columns: minmax(300px, .84fr) 1.16fr;
  align-items: center;
  gap: 56px;
}

.retirement-story img,
.retirement-enhancer img {
  display: block;
  width: 100%;
  border: 2px solid var(--accent);
  border-radius: 24px;
  object-fit: cover;
}

.retirement-story img {
  aspect-ratio: 1 / 1.06;
}

.retirement-story h2 {
  margin-bottom: 22px;
}

.retirement-story p,
.retirement-enhancer p {
  margin: 0 0 17px;
  color: var(--muted);
  font-size: 22px;
  line-height: 1.28;
}

.retirement-enhancer {
  display: grid;
  grid-template-columns: .86fr 1.14fr;
  align-items: center;
  gap: 56px;
  margin-top: 62px;
}

.retirement-enhancer h2 {
  margin-bottom: 22px;
}

.retirement-enhancer img {
  aspect-ratio: 1.72 / 1;
}

@media (max-width: 991px) {
  .retirement-hero {
    min-height: 400px;
    background-position: 58% center;
  }

  .retirement-content {
    padding: 46px 0;
  }

  .retirement-story,
  .retirement-enhancer {
    gap: 32px;
  }

  .retirement-story p,
  .retirement-enhancer p {
    font-size: 20px;
  }
}

@media (max-width: 575px) {
  .retirement-hero {
    min-height: 420px;
    position: relative;
    background-position: 66% center;
  }

  .retirement-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(0, 11, 23, .66), rgba(0, 11, 23, .06));
  }

  .retirement-hero .container {
    position: relative;
    z-index: 1;
  }

  .retirement-hero h1,
  .retirement-content h2 {
    font-size: 45px;
  }

  .retirement-hero p,
  .retirement-story p,
  .retirement-enhancer p {
    font-size: 19px;
  }

  .retirement-story,
  .retirement-enhancer {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .retirement-story img {
    max-width: 430px;
    margin: 0 auto;
  }

  .retirement-enhancer {
    margin-top: 44px;
  }

  .retirement-enhancer article {
    order: 2;
  }

  .retirement-enhancer img {
    order: 1;
    border-radius: 18px;
  }
}

/* About page */
.about-page {
  background: #00111c;
}

.about-section,
.partnership-section,
.about-cta {
  border-bottom: 1px solid var(--line);
}

.about-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
}

.about-hero-copy {
  max-width: 540px;
}

.about-hero h1 {
  margin: 0 0 20px;
  font-size: clamp(55px, 3.8vw, 80px);
  line-height: .92;
}

.about-hero p,
.trust-content>p,
.advisor-copy p,
.purpose-card p,
.partnership-section>.container>p,
.about-cta p {
  color: var(--muted);
  font-size: 20px;
  font-weight: 500;
}

.about-hero p {
  max-width: 520px;
  margin: 0;
}

.about-trust {
  padding: 64px 0 70px;
  background: #00121e;
}

.trust-image,
.advisor-image {
  width: 100%;
  display: block;
  object-fit: cover;
  border: 1px solid var(--accent);
  border-radius: 18px;
}

.trust-image {
  aspect-ratio: 1.17;
}

.trust-content h2,
.advisor-copy h2 {
  margin-bottom: 21px;
  font-size: clamp(43px, 3.5vw, 65px);
}

.trust-content>p {
  max-width: 715px;
  margin-bottom: 14px;
  line-height: 1.23;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}

.stat-card {
  min-height: 112px;
  display: grid;
  grid-template-columns: 38px 1fr;
  grid-template-rows: 32px 1fr;
  align-items: center;
  padding: 12px 11px;
  border: 1px solid rgba(52, 209, 249, .75);
  border-radius: 13px;
}

.stat-card img {
  grid-row: span 2;
  width: 28px;
  max-height: 31px;
}

.stat-card strong {
  color: var(--accent);
  font: 600 22px "Barlow Condensed", sans-serif;
}

.stat-card small {
  color: #fff;
  font: 500 18px "Barlow Condensed", sans-serif;
}

.stat-card small em {
  color: var(--muted);
  font-style: normal;
}

.advisor-section {
  padding: 62px 0;
  background: #00101a;
}

.advisor-copy p {
  margin: 0 0 19px;
  line-height: 1.22;
}

.advisor-copy .advisor-role {
  margin-top: -10px;
  color: var(--accent);
  font-weight: 600;
}

.advisor-copy h3 {
  margin: 25px 0 14px;
  color: var(--accent);
  font-size: 28px;
}

.advisor-image {
  width: 72%;
  max-height: 610px;
  margin-left: auto;
  object-position: center top;
}

.purpose-section {
  padding: 55px 0;
 background: linear-gradient(90deg, rgba(0, 14, 22, .70) 0%, rgba(0, 22, 36, .58) 52%, rgba(0, 24, 42, .5) 100%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Guided-by-optimized.jpg) center / cover no-repeat;
}

.purpose-layout {
  display: grid;
  grid-template-columns: 1.05fr 1.4fr 1.4fr;
  gap: 30px;
  align-items: center;
}

.purpose-layout>h2 {
  margin: 0;
  font-size: clamp(45px, 3.5vw, 70px);
}

.purpose-card {
  min-height: 258px;
  padding: 30px 34px;
  border: 2px solid var(--accent);
  border-radius: 13px;
}

.purpose-card img {
  width: 56px;
  height: 56px;
  margin-bottom: 15px;
}

.purpose-card h3 {
  margin-bottom: 14px;
  color: var(--accent);
  font-size: 29px;
}

.purpose-card p {
  margin: 0;


}

.partnership-section {
  padding: 43px 0 35px;
}

.partnership-section h2 {
  margin-bottom: 9px;
  font-size: clamp(42px, 3.5vw, 65px);
}

.partnership-section>.container>p {
  margin: 0;
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  margin-top: 60px;
}

.benefit-grid>div {
  min-height: 155px;
  padding: 0 20px;
  text-align: center;
  border-left: 1px solid var(--accent);
}

.benefit-grid>div:first-child {
  border-left: 0;
}

.benefit-grid img {
  width: 58px;
  height: 54px;
  margin-bottom: 11px;
  object-fit: contain;
}

.benefit-grid h3 {
  margin-bottom: 8px;
  font: 500 25px/.93 "Barlow Condensed", sans-serif;
}

.benefit-grid small {
  display: block;
  color: var(--muted);
  font: 500 16px/1.02 "Barlow Condensed", sans-serif;
}

.about-cta {
  min-height: 236px;
  display: flex;
  align-items: center;
  position: relative;
  isolation: isolate;
}

.about-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
}

.about-cta h2 {
  color: #fff;
  text-shadow: 0 2px 12px rgba(0, 0, 0, .85);
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 48px;
}

.about-cta h2 {
  margin: 0 0 8px;
  font-size: clamp(36px, 3.2vw, 55px);
}

.about-cta p {
  margin: 0px 0px 20px 0px;
  color: white;
}

/* Contact page */
.contact-page {
  background: #000f19;
}

.contact-hero {
  min-height: 500px;
  border-bottom: 1px solid var(--line);
}

.contact-section {
  padding: 76px 0 72px;
  background:
    radial-gradient(ellipse at 52% 32%, rgba(0, 72, 104, .31), transparent 46%),
    #001019;
}

.contact-section h1 {
  margin-bottom: 43px;
  font-size: clamp(53px, 3.8vw, 75px);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.contact-main-form,
.location-card,
.contact-detail-row article,
.newsletter {
  border: 1px solid rgba(52, 209, 249, .75);
  border-radius: 12px;
}

.contact-main-form {
  display: grid;
  gap: 25px;
  padding: 31px;
  background: rgba(0, 8, 15, .48);
}

.contact-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 17px;
}

.contact-main-form input,
.contact-main-form textarea {
  width: 100%;
  border: 1px solid rgba(52, 209, 249, .75);
  border-radius: 12px;
  padding: 19px 22px;
  color: #fff;
  outline: none;
  background: transparent;
  font: 500 20px/1 "Barlow Condensed", sans-serif;
}

.contact-main-form input:focus,
.contact-main-form textarea:focus,
.newsletter input:focus {
  border-color: #fff;
  box-shadow: 0 0 0 3px rgba(52, 209, 249, .18);
}

.contact-main-form input::placeholder {
  color: #fff;
}



.contact-main-form textarea::placeholder {
  color: #fff;
}


.contact-main-form textarea {
  height: 107px;
  resize: vertical;
}

.contact-checks {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 58px;
}

.contact-checks label {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--muted);
  font-size: 20px;
  font-weight: 600;
}

.contact-checks input {
  width: 24px;
  height: 24px;
  appearance: none;
  padding: 0;
  border-radius: 0;
}

.contact-checks input:checked,
.form-check-wrap input:checked {
  background: var(--accent);
  box-shadow: inset 0 0 0 4px #001019;
}

.contact-main-form button,
.newsletter button {
  min-height: 61px;
  border: 0;
  border-radius: 12px;
  background: var(--accent);
  color: #001019;
  font: 700 22px/1 "Barlow Condensed", sans-serif;
}

.location-stack {
  display: grid;
  gap: 17px;
}

.location-card {
  min-height: 178px;
  display: grid;
  grid-template-columns: .95fr 1.15fr;
  overflow: hidden;
  background: #000b12;
}

.location-card p {
  align-self: center;
  margin: 0;
  padding: 28px 34px;
  color: var(--muted);
  font-size: 21px;
  font-weight: 500;
  line-height: 1.25;
}

.location-card iframe {
  width: 100%;
  height: 100%;
  min-height: 176px;
  border: 0;
  filter: saturate(.72) brightness(.9);
}

.contact-detail-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 17px;
}

.contact-detail-row article {
  min-height: 105px;
  padding: 20px 24px;
  background: #000b12;
}

.contact-detail-row p {
  display: flex;
  align-items: center;
  gap: 9px;
  margin: 0 0 14px;
  color: var(--muted);
  font-size: 19px;
  font-weight: 500;
  text-transform: uppercase;
}

.contact-detail-row p:last-child {
  margin-bottom: 0;
}

.contact-detail-row img {
  width: 17px;
  height: 17px;
}

.contact-detail-row a {
  text-transform: none;
}

.newsletter {
  min-height: 172px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  overflow: hidden;
  margin-top: 42px;
}

.newsletter-city {
  min-height: 172px;

}

.newsletter-content {
  align-self: center;
  padding: 24px 35px;
}

.newsletter h2 {
  margin-bottom: 19px;
  font-size: clamp(30px, 2.6vw, 45px);
}

.newsletter form {
  display: flex;
  overflow: hidden;
  border: 1px solid var(--accent);
  border-radius: 12px;
}

.newsletter input {
  min-width: 0;
  flex: 1;
  border: 0;
  padding: 15px 22px;
  outline: none;
  color: #fff;
  background: transparent;
  font: 500 18px/1 "Barlow Condensed", sans-serif;
}

.newsletter button {
  min-height: 0;
  min-width: 160px;
  margin: 7px;
  border-radius: 10px;
  padding: 12px 20px;
  background: #000;
  color: #fff;
  font-size: 18px;
}

@media (max-width: 1199px) {
  .navbar-brand {
    flex-basis: 132px;
    width: 132px;
  }

  .navbar-brand img {
    width: 120px;
  }

  .topbar-panel {
    padding-right: 10px;
    padding-left: 58px;
    gap: 16px;
  }

  .top-contact a {
    font-size: 16px;
  }

  .top-contact a+a {
    margin-left: 14px;
    padding-left: 14px;
  }

  .pill-btn {
    padding-left: 14px;
    font-size: 14px;
    gap: 10px;
  }

  .main-nav .nav-link {
    padding-inline: 4px;
    font-size: 14px;
  }
}

@media (max-width: 991px) {
  body {
    font-size: 18px;
  }

  .header-wrap {
    position: relative;
    display: block;
    /*     padding: 10px 52px 10px 0; */
  }

  .navbar-brand {
    width: auto;
    flex-basis: auto;
    padding: 4px 0;
  }

  .navbar-brand img {
    width: 110px;
  }

  .header-main {
    width: 100%;
  }

  .main-nav {
    min-height: auto;
    padding: 0;
    display: block;
  }

  .navbar-toggler {
    position: absolute;
    top: -67px;
    right: 0;
    z-index: 3;
  }

  .main-nav .navbar-collapse {
    min-height: auto;
    padding: 8px 0 4px;
    width: 100%;
  }

  .main-nav .nav-link {
    padding: 10px 0;
    font-size: 18px;
  }

  .hero-section {
    min-height: 620px;
  }

  .hero-section::after {
    width: 60%;
    opacity: .35;
  }

  .feature-item:nth-child(odd) {
    border-left: 0;
  }

  .feature-item {
    border-bottom: 1px solid rgba(52, 209, 249, .35);
  }

  .section-head {
    display: block;
  }

  .choose-visual,
  .faq-visual {
    min-height: 300px;
  }

  .work-step {
    margin-bottom: 34px;
  }

  .work-step:nth-child(odd) {
    border-left: 0;
  }

  .about-hero {
    min-height: 390px;
  }

  .about-trust,
  .advisor-section,
  .purpose-section {
    padding: 46px 0;
  }

  .trust-image {
    max-width: 620px;
    margin: 0 auto;
  }

  .advisor-image {
    max-width: 540px;
    margin: 0 auto;
  }

  .purpose-layout {
    grid-template-columns: 1fr 1fr;
  }

  .purpose-layout>h2 {
    grid-column: 1 / -1;
  }

  .cta-inner {
    justify-content: space-between;
  }

  .contact-hero {
    min-height: 360px;
  }

  .contact-section {
    padding: 54px 0;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .newsletter {
    grid-template-columns: .75fr 1.25fr;
  }
}

@media (max-width: 575px) {
  .hero-section {
    min-height: 560px;
  }

  .hero-content p,
  .section-head p,
  .choose-section p,
  .testimonial-section p {
    font-size: 21px;
  }

  .feature-item {
    min-height: 190px;
    padding-inline: 14px;
  }

  .choose-visual,
  .faq-visual {
    background-size: 1050px 2967px;
  }

  .faq-overlay {
    padding: 36px 0;
  }

  .social-links {
    padding-left: 0;
  }

  .about-hero {
    min-height: 330px;
    background-position: 62% center;
  }

  .about-hero-copy {
    max-width: 290px;
  }

  .about-hero p,
  .trust-content>p,
  .advisor-copy p,
  .purpose-card p,
  .partnership-section>.container>p,
  .about-cta p {
    font-size: 19px;
  }

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .stat-card {
    min-height: 80px;
  }

  .purpose-layout {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .purpose-card {
    min-height: 0;
    padding: 23px;
  }

  .benefit-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 25px 0;
    margin-top: 36px;
  }

  .benefit-grid>div {
    min-height: 145px;
  }

  .benefit-grid>div:nth-child(odd) {
    border-left: 0;
  }

  .benefit-grid>div:last-child {
    grid-column: 1 / -1;
    width: 50%;
    justify-self: center;
  }

  .cta-inner {
    display: block;
    padding-top: 35px;
    padding-bottom: 35px;
  }

  .about-cta {
    min-height: 0;
  }

  .about-cta .pill-btn {
    margin-top: 20px;
  }

  .contact-hero {
    min-height: 260px;
    background-position: 35% center;
  }

  .contact-section h1 {
    margin-bottom: 29px;
  }

  .contact-grid {
    gap: 28px;
  }

  .contact-main-form {
    gap: 20px;
    padding: 20px;
  }

  .contact-inputs,
  .contact-detail-row,
  .newsletter {
    grid-template-columns: 1fr;
  }

  .contact-checks {
    align-items: flex-start;
    flex-direction: column;
    gap: 13px;
    padding-left: 8px;
  }

  .location-card {
    grid-template-columns: 1fr;
  }

  .location-card p {
    padding: 22px;
  }

  .location-card iframe {
    min-height: 210px;
  }

  .contact-detail-row article {
    min-height: 0;
  }

  .newsletter-city {
    min-height: 130px;
  }

  .newsletter-content {
    padding: 25px 20px;
  }

  .newsletter form {
    display: grid;
  }

  .newsletter button {
    margin: 0 7px 7px;
  }
}

/* =========================================
   MAIN NAVIGATION
========================================= */

.navbar-nav {
  position: relative;
}

.navbar-nav>li {
  position: relative;
}

.navbar-nav>li>a {
  display: flex;
  align-items: center;
  white-space: nowrap;
  padding: 0px 0.5rem;

}


/* =========================================
   DROPDOWN / SUB MENU
========================================= */

.navbar-nav .sub-menu {
  position: absolute;
  top: 100%;
  left: 0;

  min-width: 240px;
  width: max-content;
  max-width: 340px;

  margin: 0;
  padding: 10px 0;

  list-style: none;

  background: #fff;
  border-radius: 8px;

  box-shadow: 0 12px 35px rgba(0, 0, 0, 0.12);

  opacity: 0;
  visibility: hidden;
  pointer-events: none;

  transform: translateY(10px);

  transition:
    opacity 0.25s ease,
    visibility 0.25s ease,
    transform 0.25s ease;

  z-index: 9999;
}


/* =========================================
   DESKTOP HOVER
========================================= */

@media (min-width: 992px) {

  .navbar-nav>li.menu-item-has-children:hover>.sub-menu,
  .navbar-nav>li.menu-item-has-children:focus-within>.sub-menu {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
  }

}


/* =========================================
   SUB MENU ITEMS
========================================= */

.navbar-nav .sub-menu li {
  position: relative;
  width: 100%;
}

.navbar-nav .sub-menu li a {
  display: block;

  padding: 10px 18px;

  color: #222;
  font-size: 15px;
  line-height: 1.4;

  white-space: normal;

  text-decoration: none;

  transition:
    background 0.2s ease,
    color 0.2s ease;
}

.navbar-nav .sub-menu li a:hover {
  background: #f5f5f5;
  color: #000;
}


/* =========================================
   DROPDOWN ARROW
========================================= */

.navbar-nav>li.menu-item-has-children>a::after {
  content: "";
  display: inline-block;

  width: 7px;
  height: 7px;

  margin-left: 8px;

  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;

  transform: rotate(45deg);
  position: relative;
  top: -2px;

  transition: transform 0.2s ease;
}

@media (min-width: 992px) {

  .navbar-nav>li.menu-item-has-children:hover>a::after {
    transform: rotate(225deg);
    top: 2px;
  }

}


/* =========================================
   LARGE TAX SAVING DROPDOWN
========================================= */

#menu-item-26>.sub-menu {
  min-width: 330px;
  max-width: 400px;
}


/* =========================================
   MOBILE / TABLET
========================================= */

@media (max-width: 991.98px) {

  .navbar-nav {
    width: 100%;
    align-items: stretch !important;
  }

  .navbar-nav>li {
    width: 100%;
  }

  .navbar-nav>li>a {
    width: 100%;
    justify-content: space-between;
    padding: 10px 0px;
  }


  /* Reset desktop dropdown positioning */

  .navbar-nav .sub-menu {
    position: static;

    width: 100%;
    min-width: 0;
    max-width: none;

    margin: 0;
    padding: 0;

    background: transparent;
    border-radius: 0;

    box-shadow: none;

    opacity: 1;
    visibility: visible;
    pointer-events: auto;

    transform: none;

    display: none;
  }


  /* Click/focus open */

  .navbar-nav>li.menu-item-has-children:focus-within>.sub-menu {
    display: block;
  }


  /* Submenu links */

  .navbar-nav .sub-menu li a {
    padding: 9px 20px 9px 30px;
    color: var(--accent);
    font-size: 14px;

    white-space: normal;
  }


  /* Arrow */

  .navbar-nav>li.menu-item-has-children>a::after {
    margin-left: auto;
  }

  .navbar-nav>li.menu-item-has-children:focus-within>a::after {
    transform: rotate(225deg);
    top: 2px;
  }

}


/* =========================================
   SMALL MOBILE
========================================= */

@media (max-width: 575.98px) {

  .navbar-nav .sub-menu li a {
    padding-left: 25px;
    padding-right: 15px;
    font-size: 14px;
  }

  #menu-item-26>.sub-menu {
    min-width: 0;
    width: 100%;
  }

}

@media (max-width: 991.98px) {

  /* Submenu initially hidden */
  .navbar-nav>li.menu-item-has-children>.sub-menu {
    display: none !important;

    position: static !important;
    width: 100% !important;
    min-width: 0 !important;
    max-width: none !important;

    margin: 0 !important;
    padding: 5px 0 8px 18px !important;

    background: transparent !important;
    box-shadow: none !important;

    opacity: 1 !important;
    visibility: visible !important;
    transform: none !important;
    pointer-events: auto !important;
  }

  /* Open submenu */
  .navbar-nav>li.menu-item-has-children.mobile-open>.sub-menu {
    display: block !important;
  }

  /* Parent link */
  .navbar-nav>li.menu-item-has-children>a {
    position: relative;
    display: flex !important;
    align-items: center;
    justify-content: space-between;
    width: 100%;

  }

  /* Arrow */
  .navbar-nav>li.menu-item-has-children>a::after {
    content: "";
    display: block;

    width: 8px;
    height: 8px;

    margin-left: auto;
    flex-shrink: 0;

    border-right: 1px solid #fff;
    border-bottom: 1px solid #fff;

    transform: rotate(45deg);
    transition: .25s ease;
  }

  /* Arrow when open */
  .navbar-nav>li.menu-item-has-children.mobile-open>a::after {
    transform: rotate(225deg);
  }

  /* Submenu links */
  .navbar-nav .sub-menu li a {
    display: block !important;

    padding: 7px 0 !important;

    font-size: 14px;
    line-height: 1.4;

    white-space: normal;
  }
}

/* Testimonials page */
.testimonials-page {
  background: #00070b;
}

.testimonials-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.testimonials-hero .container {
  width: 100%;
}

.testimonials-hero-copy {
  max-width: 475px;
}

.testimonials-hero h1 {
  margin: 0 0 22px;
  font-size: clamp(52px, 3.8vw, 80px);
}

.testimonials-hero p {
  margin: 0;
  color: var(--muted);
  font-size: 20px;
  line-height: 1.2;
}

.hero-shield {
  display: none;
}

.testimonial-values {
  background: linear-gradient(90deg, #00060e, #001a2c 54%, #000814);
  border-bottom: 1px solid var(--line);
}

.value-item {
  min-height: 190px;
  padding: 34px 22px 28px;
  text-align: center;
  border-left: 1px solid rgba(52, 209, 249, .72);
}

.value-item:first-child {
  border-left: 0;
}

.value-item img {
  width: 62px;
  height: 62px;
  margin-bottom: 18px;
  object-fit: contain;
}

.value-item h2 {
  margin: 0 0 10px;
  font-family: "Gidole", sans-serif;
  font-size: 21px;
  font-weight: 700;
  line-height: 1;
}

.value-item p {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.15;
}

.reviews-section {
  padding: 78px 0 88px;
  background:
    radial-gradient(ellipse at 70% 20%, rgba(0, 87, 137, .42), transparent 42%),
    linear-gradient(105deg, #00070e 0%, #00182b 56%, #001226 100%);
  border-bottom: 1px solid var(--line);
}

.reviews-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  margin-bottom: 58px;
}

.reviews-heading h2 {
  margin: 0 0 16px;
  font-size: clamp(45px, 3.5vw, 68px);
}

.reviews-heading p {
  margin: 0;
  color: var(--muted);
  font-size: 23px;
  line-height: 1.2;
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 26px;
}

.client-card {
  min-height: 310px;
  display: flex;
  flex-direction: column;
  padding: 28px;
  border: 2px solid var(--accent);
  border-radius: 12px;
  background: rgba(0, 19, 34, .68);
}

.client-card header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 18px;
}

.client-card header img {
  width: 68px;
  height: 68px;
  flex: 0 0 68px;
  border: 1px solid var(--accent);
  border-radius: 50%;
  object-fit: cover;
}

.client-card h3 {
  margin: 0 0 3px;
  font-size: 24px;
}

.client-card small {
  display: block;
  color: var(--muted);
  font-size: 15px;
  font-weight: 600;
}

.client-card .stars {
  font-size: 15px;
  line-height: 1;
}

.client-card p {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.25;
}

.client-card p b {
  float: left;
  margin: -6px 10px 0 0;
  color: var(--accent);
  font-family: "Source Serif 4", serif;
  font-size: 54px;
  line-height: .8;
}

.client-card cite {
  margin-top: auto;
  padding-top: 14px;
  color: var(--accent);
  font-family: "Source Serif 4", serif;
  font-size: 17px;
  font-style: normal;
  text-align: right;
}

@media (max-width: 991px) {
  .testimonials-hero {
    min-height: 390px;
    background-position: 62% center;
  }

  .testimonial-values .value-item:nth-child(odd) {
    border-left: 0;
  }

  .value-item {
    border-bottom: 1px solid rgba(52, 209, 249, .5);
  }

  .reviews-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 575px) {
  .testimonials-hero {
    min-height: 360px;
    background-position: 66% center;
  }

  .testimonials-hero-copy {
    max-width: 270px;
  }

  .testimonials-hero p,
  .reviews-heading p {
    font-size: 20px;
  }

  .value-item {
    min-height: 175px;
    padding: 28px 12px 22px;
  }

  .value-item img {
    width: 52px;
    height: 52px;
  }

  .value-item h2 {
    font-size: 18px;
  }

  .reviews-section {
    padding: 52px 0 60px;
  }

  .reviews-heading {
    display: block;
    margin-bottom: 34px;
  }

  .reviews-heading .pill-btn {
    margin-top: 24px;
  }

  .reviews-grid {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .client-card {
    min-height: 0;
    padding: 23px;
  }
}

/* Whole life insurance page */
.whole-life-page {
  background: #000914;
  overflow: hidden;
}

.whole-life-page h1 span,
.whole-life-page h2 span {
  color: var(--accent);
}

.whole-life-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background: url('../img/whole.png') center / cover no-repeat;
  position: relative;
  isolation: isolate;
}

.whole-life-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(0, 7, 15, .84), rgba(0, 7, 15, .47) 42%, rgba(0, 7, 15, .06) 76%);
}

.whole-life-hero-copy {
  max-width: 550px;
}

.whole-life-hero h1,
.whole-life-overview h2,
.whole-life-cta h2 {
  margin: 0;
}

.whole-life-hero h1 {
  font-size: clamp(52px, 3.8vw, 78px);
}

.whole-life-hero p {
  max-width: 510px;
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 25px;
  font-weight: 500;
  line-height: 1.25;
}

.whole-life-overview {
  padding: 86px 0 92px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(90deg, rgba(0, 14, 22, .70) 0%, rgba(0, 22, 36, .58) 52%, rgba(0, 24, 42, .5) 100%), #000914 url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Lifetime-Protection-With-Guaranteed-Benefits.jpg') center / cover no-repeat;
}

.whole-life-overview h2 {
  font-size: clamp(42px, 3.0vw, 68px);
  line-height: 1.08;
}

.whole-life-overview h2:not(:first-child) {
  margin-top: 62px;
}

.whole-life-intro {
  max-width: 1390px;
  margin: 28px 0 0;
  color: var(--muted);
  font-size: 22px;
  font-weight: 500;
  line-height: 1.38;
}

.whole-life-plans {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 18px;
  max-width: none;
  margin: 38px 0 0;
}

.whole-life-plans article {
  min-height: 248px;
  padding: 30px;
  text-align: left;
  border: 1px solid rgba(52, 209, 249, .26);
  border-radius: 14px;
  background: linear-gradient(145deg, rgba(7, 41, 63, .88), rgba(1, 14, 25, .94));
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .04), 0 14px 30px rgba(0, 0, 0, .16);
  transition: transform .25s ease, border-color .25s ease, background .25s ease;
}

.whole-life-plans article:hover {
  transform: translateY(-6px);
  border-color: rgba(52, 209, 249, .72);
  background: linear-gradient(145deg, rgba(8, 59, 88, .96), rgba(1, 20, 35, .96));
}

.whole-life-plans strong {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font-size: 44px;
  font-weight: 600;
  line-height: 1;
}

.whole-life-plans h3 {
  margin: 0 0 13px;
  font-family: "Source Serif 4", serif;
  font-size: 26px;
  font-weight: 600;
  line-height: 1.1;
}

.whole-life-plans p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.42;
}

.whole-life-cash-value,
.whole-life-business,
.whole-life-suitability {
  padding: 88px 0;
  border-bottom: 1px solid var(--line);
}

.whole-life-cash-value {
   background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Accessing-Your-Policys-Cash-Value.jpg') center / cover no-repeat;
}

.whole-life-cash-value-content {

  padding: 48px 56px;
  border: 1px solid rgba(52, 209, 249, .27);
  border-radius: 18px;
  background: rgba(0, 12, 23, .64);
  box-shadow: 0 18px 42px rgba(0, 0, 0, .16);
}

.whole-life-cash-value h2,
.whole-life-business h2,
.whole-life-suitability h2 {
  margin: 0;
  font-size: clamp(40px, 3.15vw, 64px);
  line-height: 1.1;
}

.whole-life-cash-value p,
.whole-life-suitability p {

  margin: 18px 0 0;
  color: var(--muted);
  font-size: 20px;
  line-height: 1.45;
}

.whole-life-business {
background: linear-gradient(90deg, rgba(0, 14, 22, .70) 0%, rgba(0, 22, 36, .58) 52%, rgba(0, 24, 42, .5) 100%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Whole-Life-Insurance-for-Business-Owners.jpg) center / cover no-repeat;}

.whole-life-business .whole-life-intro {
  max-width: 910px;
}

.whole-life-business .whole-life-plans {
  grid-template-columns: repeat(5, 1fr);
}

.whole-life-business .whole-life-plans article {
  min-height: 264px;
}

.whole-life-suitability {
  background: linear-gradient(105deg, #001d35, #000914 67%);
}

.whole-life-suitability .container {
  max-width: 1100px;
}

.whole-life-cta {
  min-height: 335px;
  padding: 30px 0px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background: url('../img/lets-bg.png') center / cover no-repeat;
}

.whole-life-cta-inner {
  display: grid;
  grid-template-columns: .38fr .62fr;
  align-items: center;
}

.whole-life-cta h2 {
  font-size: clamp(38px, 3.35vw, 58px);
}

.whole-life-cta p {
  margin: 10px 0 23px;
  color: var(--accent);
  font-size: 22px;
  font-weight: 500;
}

.whole-life-cta-button {
  min-height: 43px;
  padding: 5px 5px 5px 22px;
  font-size: 18px;
}

.whole-life-cta-button span {
  width: 31px;
  height: 31px;
  font-size: 17px;
}

/* Universal life insurance page */
.universal-page {
  background: #000914;
}

.universal-page h1,
.universal-page h2 {
  margin: 0;
}

.universal-page h1 span,
.universal-page h2 span {
  color: var(--accent);
}

.universal-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.universal-hero-copy {
  max-width: 530px;
}

.universal-hero h1 {
  font-size: clamp(52px, 3.8vw, 78px);
}

.universal-hero p {
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 25px;
  font-weight: 500;
  line-height: 1.25;
}

.universal-intro,
.universal-benefits {
  padding: 54px 0 58px;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
}

.universal-intro {
  background: radial-gradient(ellipse at 75% 50%, rgba(0, 87, 145, .42), transparent 43%), linear-gradient(110deg, #00040c, #00182d 62%, #000914);
}

.universal-intro h2,
.universal-benefits h2 {
  font-size: clamp(42px, 3.0vw, 68px);
  line-height: 1.08;
}

.universal-intro p,
.universal-why p,
.universal-benefits p,
.universal-benefits li {
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.35;
}

.universal-intro p {
  max-width: 1420px;
  margin: 25px 0 0;
}

.universal-why {
  min-height: 499px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
}

.universal-why-copy {
  width: 59%;
  margin-left: auto;
}

.universal-why h2 {
  margin-bottom: 20px;
  font-size: clamp(42px, 3.2vw, 65px);
  line-height: 1.08;
}

.universal-why p {
  margin: 0;
}

.universal-benefits {
  min-height: 600px;
}

.universal-benefits h2 {
  margin-bottom: 20px;
}

.universal-benefits p {
  
  margin: 0 0 22px;
}

.universal-benefits ul {
  display: grid;
  gap: 14px;
  margin: 25px 0 30px;
  padding: 0;
  list-style: none;
}

.universal-benefits li {
  position: relative;
  padding-left: 35px;
}

.universal-benefits li::before {
  content: '\2713';
  position: absolute;
  top: .08em;
  left: 0;
  display: grid;
  place-items: center;
  width: 23px;
  height: 23px;
  border: 2px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font: 700 15px Arial, sans-serif;
}

.universal-benefits a {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 3px;
}

/* Mortgage insurance page */
.mortgage-page {
  background: #000914;
}

.mortgage-page h1,
.mortgage-page h2 {
  margin: 0;
}

.mortgage-page h1 span,
.mortgage-page h2 span,
.mortgage-cards h3 {
  color: var(--accent);
}

.mortgage-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.mortgage-hero-copy {
  max-width: 570px;
}

.mortgage-hero h1 {
  font-size: clamp(52px, 3.8vw, 78px);
}

.mortgage-hero p {
  max-width: 540px;
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 25px;
  font-weight: 500;
  line-height: 1.25;
}

.mortgage-plan {
  padding: 54px 0 56px;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
}

.mortgage-plan-content {
  max-width: 1040px;
  margin-left: auto;
}

.mortgage-plan h2 {
  font-size: clamp(43px, 3.45vw, 68px);
  line-height: 1.08;
}

.mortgage-plan-content>p,
.mortgage-cards p {
  color: var(--muted);
  font-size: 21px;
  font-weight: 500;
  line-height: 1.35;
}

.mortgage-plan-content>p {
  margin: 22px 0 0;
}

.mortgage-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
  margin: 40px 8px 37px;
}

.mortgage-cards article {
  min-height: 205px;
  padding: 27px 30px;
  border: 2px solid var(--accent);
  border-radius: 18px;
  background: rgba(0, 27, 50, .72);
}

.mortgage-cards h3 {
  margin: 0 0 13px;
  font-size: 29px;
}

.mortgage-cards p,
.mortgage-closing {
  margin: 0;
}

.mortgage-plan-content .mortgage-closing {
  max-width: 1020px;
}

.mortgage-cta {
  min-height: 335px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background: url('../img/lets-bg.png') center / cover no-repeat;
}

.mortgage-cta-inner {
  display: grid;
  grid-template-columns: .38fr .62fr;
  align-items: center;
}

.mortgage-cta h2 {
  font-size: clamp(38px, 3.0vw, 58px);
}

.mortgage-cta p {
  margin: 10px 0 23px;
  color: var(--accent);
  font-size: 22px;
  font-weight: 500;
}

.mortgage-cta-button {
  min-height: 43px;
  padding: 5px 5px 5px 22px;
  font-size: 18px;
}

.mortgage-cta-button span {
  width: 31px;
  height: 31px;
  font-size: 17px;
}

@media (max-width: 991px) {
  .mortgage-hero {
    min-height: 410px;
    background-position: 62% center;
  }

  .mortgage-plan-content {
    max-width: 70%;
  }

  .mortgage-cta-inner {
    grid-template-columns: .3fr .7fr;
  }
}

@media (max-width: 575px) {
  .mortgage-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 65% center;
  }

  .mortgage-hero-copy {
    max-width: 290px;
  }

  .mortgage-hero h1 {
    font-size: 47px;
  }

  .mortgage-hero p,
  .mortgage-plan-content>p,
  .mortgage-cards p {
    font-size: 19px;
  }

  .mortgage-plan {
    padding: 42px 0;
    background-position: 25% center;
  }

  .mortgage-plan-content {
    max-width: none;
    padding: 24px;
    background: rgba(0, 10, 22, .74);
  }

  .mortgage-plan h2 {
    font-size: 40px;
  }

  .mortgage-cards {
    grid-template-columns: 1fr;
    gap: 18px;
    margin: 28px 0;
  }

  .mortgage-cards article {
    min-height: 0;
    padding: 23px;
  }

  .mortgage-cta {
    min-height: 260px;
    padding: 34px 0;
  }

  .mortgage-cta-inner {
    grid-template-columns: 1fr;
  }

  .mortgage-cta-inner>div:first-child {
    display: none;
  }

  .mortgage-cta h2 {
    font-size: 38px;
  }

  .mortgage-cta p {
    font-size: 19px;
  }
}

/* Critical illness insurance page */
.critical-page {
  background: #000914;
}

.critical-page h1,
.critical-page h2 {
  margin: 0;
}

.critical-page h1 span,
.critical-page h2 span {
  color: var(--accent);
}

.critical-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.critical-hero-copy {
  max-width: 560px;
}

.critical-hero h1 {
  font-size: clamp(50px, 3.8vw, 78px);
}

.critical-hero p {
  max-width: 520px;
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 25px;
  font-weight: 500;
  line-height: 1.25;
}

.critical-overview,
.critical-more {
  padding: 50px 0;
  border-bottom: 1px solid var(--line);
  background: radial-gradient(ellipse at 72% 35%, rgba(0, 97, 157, .4), transparent 48%), linear-gradient(112deg, #00050d, #00213d 58%, #001020);
}

.critical-overview-grid,
.critical-more-grid {
  display: grid;
  grid-template-columns: 42% 1fr;
  gap: 48px;
  align-items: center;
}

.critical-overview-grid>img {
  width: 100%;
  border: 2px solid var(--accent);
  border-radius: 20px;
}

.critical-overview h2,
.critical-more h2 {
  font-size: clamp(40px, 3.0vw, 68px);
  line-height: 1.08;
  margin-bottom: 20px;
}

.critical-overview p,
.critical-support p,
.critical-more p,
.critical-checklist li {
  color: var(--muted);
  font-size: 20px;
  font-weight: 500;
  line-height: 1.35;
}

.critical-overview-grid p {
  margin: 18px 0 20px;
}

.critical-checklist {
  display: grid;
  gap: 15px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.critical-checklist li {
  position: relative;
  padding-left: 33px;
}

.critical-checklist li::before {
  content: "\2713";
  position: absolute;
  left: 0;
  top: .12em;
  display: grid;
  width: 21px;
  height: 21px;
  place-items: center;
  border: 2px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font: 700 14px Arial, sans-serif;
}

.critical-overview-copy {
  margin-top: 31px;
}

.critical-overview-copy p {
  margin: 0 0 17px;
}

.critical-overview-copy h3 {
  margin: 34px 0 22px;
  color: var(--accent);
  font-size: clamp(29px, 2.3vw, 40px);
}

.critical-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin: 0 0 20px;
  border: 1px solid rgba(52, 209, 249, .55);
}

.critical-stats article {
  display: grid;
  gap: 10px;
  min-height: 135px;
  padding: 22px 25px;
  border-left: 1px solid rgba(52, 209, 249, .55);
  background: rgba(0, 18, 34, .42);
}

.critical-stats article:first-child {
  border-left: 0;
}

.critical-stats strong {
  color: var(--accent);
  font: 600 34px/1 "Source Serif 4", serif;
}

.critical-stats span,
.critical-source-note {
  color: var(--muted);
  font-size: 16px;
  line-height: 1.25;
}

.critical-stats b {
  color: #fff;
}

.critical-source-note {
  max-width: 950px;
}

.critical-support {
  min-height: 430px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
  padding: 30px;
}

.critical-support-copy {
  
}

.critical-support h2 {
  max-width: 960px;
  font-size: clamp(39px, 3.0vw, 66px);
  line-height: 1.1;
}

.critical-support .critical-checklist {
  margin: 28px 0 20px;
}

.critical-support p {
  max-width: 800px;
  margin: 0;
}

.critical-more {
  padding-block: 56px 45px;
  background: radial-gradient(ellipse at 38% 38%, rgba(0, 100, 159, .38), transparent 39%), linear-gradient(112deg, #00050d, #00213d 58%, #001020);
}

.critical-more-grid {
  grid-template-columns: 40% 1fr;
  gap: 58px;
  align-items: start;
}

.critical-more-grid>div:first-child>img {
  width: 100%;
  border: 2px solid var(--accent);
  border-radius: 20px;
}

.critical-more h2 {
  margin-bottom: 22px;
}

.critical-more p {
  margin: 0 0 21px;
}

.critical-more p strong {
  color: var(--accent);
  font-size: 23px;
}

.critical-business {
  min-height: 465px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
  padding: 40px;
}

.critical-business-copy {}

.critical-business h2 {
  margin: 0 0 20px;
  font-size: clamp(40px, 3.0vw, 68px);
  line-height: 1.08;
}

.critical-business h3 {
  margin: 28px 0 13px;
  color: var(--accent);
  font-size: 30px;
}

.critical-business p {
  margin: 0 0 16px;
  color: var(--muted);
  font-size: 20px;
  font-weight: 500;
  line-height: 1.35;
}

.critical-business .pill-btn {
  margin-top: 12px;
}

.critical-sources {
  display: grid;
  grid-template-columns: 1fr 1fr;
  margin: 22px 6px 0;
}

.critical-sources p {
  margin: 0;
  padding: 0 18px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.2;
  border-left: 1px solid var(--accent);
}

.critical-sources p:first-child {
  padding-left: 0;
  border-left: 0;
}

.critical-sources strong {
  display: block;
  margin-bottom: 3px;
  color: var(--accent);
  font: 500 28px "Barlow Condensed", sans-serif;
}

.critical-sources a {
  color: var(--accent);
  text-decoration: none;
}

@media (max-width: 991px) {
  .critical-hero {
    min-height: 410px;
    background-position: 58% center;
  }

  .critical-overview-grid {
    grid-template-columns: 39% 1fr;
    gap: 30px;
  }

  .critical-more-grid {
    grid-template-columns: 42% 1fr;
    gap: 34px;
  }

  .critical-overview p,
  .critical-support p,
  .critical-more p,
  .critical-checklist li {
    font-size: 18px;
  }

  .critical-stats article {
    padding: 18px;
  }

  .critical-stats strong {
    font-size: 29px;
  }
}

@media (max-width: 575px) {
  .critical-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 62% center;
  }

  .critical-hero-copy {
    max-width: 295px;
  }

  .critical-hero h1 {
    font-size: 46px;
  }

  .critical-hero p,
  .critical-overview p,
  .critical-support p,
  .critical-more p,
  .critical-checklist li {
    font-size: 18px;
  }

  .critical-overview,
  .critical-more {
    padding: 42px 0;
  }

  .critical-stats {
    grid-template-columns: 1fr;
  }

  .critical-stats article {
    min-height: 0;
    border-top: 1px solid rgba(52, 209, 249, .55);
    border-left: 0;
  }

  .critical-stats article:first-child {
    border-top: 0;
  }

  .critical-business {
    min-height: 0;
    padding: 42px 0;
  }

  .critical-business h2 {
    font-size: 39px;
  }

  .critical-business h3 {
    font-size: 28px;
  }

  .critical-business p {
    font-size: 18px;
  }

  .critical-overview-grid,
  .critical-more-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .critical-overview h2,
  .critical-more h2,
  .critical-support h2 {
    font-size: 39px;
  }

  .critical-overview-grid>img {
    max-width: 430px;
    margin: auto;
  }

  .critical-overview-copy {
    margin-top: 25px;
  }

  .critical-support {
    min-height: 480px;
    padding: 45px 0;
    background-position: 58% center;
  }

  .critical-more-grid>div:first-child {
    order: 2;
  }

  .critical-sources {
    margin-top: 18px;
  }

  .critical-sources p {
    font-size: 13px;
    padding-inline: 12px;
  }
}

@media (max-width: 991px) {
  .universal-hero {
    min-height: 410px;
    background-position: 62% center;
  }

  .universal-why-copy {
    width: 60%;
  }
}

@media (max-width: 575px) {
  .universal-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 65% center;
  }

  .universal-hero-copy {
    max-width: 290px;
  }

  .universal-hero h1 {
    font-size: 47px;
  }

  .universal-hero p,
  .universal-intro p,
  .universal-why p,
  .universal-benefits p,
  .universal-benefits li {
    font-size: 19px;
  }

  .universal-intro,
  .universal-benefits {
    padding: 42px 0;
  }

  .universal-intro h2,
  .universal-benefits h2,
  .universal-why h2 {
    font-size: 40px;
  }

  .universal-why {
    min-height: 610px;
    align-items: flex-end;
    padding: 35px 0;
    background-position: 28% center;
  }

  .universal-why-copy {
    width: 100%;
    padding: 24px;
    background: rgba(0, 10, 22, .74);
  }

  .universal-benefits {
    min-height: 0;
  }

  .universal-benefits ul {
    gap: 13px;
  }
}

@media (max-width: 991px) {
  .whole-life-hero {
    min-height: 410px;
    background-position: 61% center;
  }

  .whole-life-overview {
    padding: 48px 0 54px;
  }

  .whole-life-plans {
    margin-top: 46px;
  }

  .whole-life-plans article {
    padding-inline: 16px;
  }

  .whole-life-plans h3 {
    font-size: 24px;
  }

  .whole-life-cta-inner {
    grid-template-columns: .3fr .7fr;
  }

  .whole-life-business .whole-life-plans {
    grid-template-columns: repeat(3, 1fr);
  }

  .whole-life-plans article,
  .whole-life-business .whole-life-plans article {
    min-height: 230px;
  }

  .whole-life-cash-value,
  .whole-life-business,
  .whole-life-suitability {
    padding: 64px 0;
  }
}

@media (max-width: 575px) {
  .whole-life-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 65% center;
  }

  .whole-life-hero-copy {
    max-width: 280px;
  }

  .whole-life-hero h1 {
    font-size: 47px;
  }

  .whole-life-hero p,
  .whole-life-intro {
    font-size: 19px;
  }

  .whole-life-overview h2 {
    font-size: 43px;
  }

  .whole-life-plans {
    grid-template-columns: repeat(2, 1fr);
    gap: 0;
    margin-top: 38px;
  }

  .whole-life-plans article {
    min-height: 148px;
    padding: 0 14px 24px;
    border-bottom: 1px solid rgba(52, 209, 249, .7);
  }

  .whole-life-plans article:nth-child(odd) {
    border-left: 0;
  }

  .whole-life-plans article:last-child {
    grid-column: 1 / -1;
    width: 50%;
    justify-self: center;
    border-bottom: 0;
  }

  .whole-life-plans strong {
    margin-bottom: 17px;
    font-size: 37px;
  }

  .whole-life-plans h3 {
    font-size: 23px;
  }

  .whole-life-overview {
    padding: 48px 0 54px;
  }

  .whole-life-overview h2:not(:first-child) {
    margin-top: 48px;
  }

  .whole-life-plans,
  .whole-life-business .whole-life-plans {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .whole-life-plans article,
  .whole-life-plans article:nth-child(odd),
  .whole-life-plans article:last-child,
  .whole-life-business .whole-life-plans article {
    grid-column: auto;
    width: auto;
    min-height: 0;
    padding: 24px;
    border: 1px solid rgba(52, 209, 249, .26);
    border-radius: 12px;
  }

  .whole-life-plans strong {
    font-size: 34px;
  }

  .whole-life-plans h3 {
    font-size: 25px;
  }

  .whole-life-cash-value,
  .whole-life-business,
  .whole-life-suitability {
    padding: 48px 0;
  }

  .whole-life-cash-value-content {
    padding: 30px 24px;
  }

  .whole-life-cash-value h2,
  .whole-life-business h2,
  .whole-life-suitability h2 {
    font-size: 39px;
  }

  .whole-life-cash-value p,
  .whole-life-suitability p,
  .whole-life-plans p {
    font-size: 17px;
  }

  .whole-life-cta {
    min-height: 260px;
    padding: 34px 0;
  }

  .whole-life-cta-inner {
    grid-template-columns: 1fr;
  }

  .whole-life-cta-spacer {
    display: none;
  }

  .whole-life-cta h2 {
    font-size: 38px;
  }

  .whole-life-cta p {
    font-size: 19px;
  }
}

.footer-section .contact-form textarea {
  min-height: 90px;
  resize: vertical;
  height: 60px;
}

.wpcf7-spinner {
  display: none !important;
}

.wpcf7-form-control.wpcf7-submit.has-spinner {
  background: #34d1f9 !important;
}

/* Article page */
.article-page {
  background: radial-gradient(ellipse at 68% 70%, #00355c 0, #001d35 25%, #000811 65%);
}

.article-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.article-hero-copy {
  max-width: 630px;
}

.article-hero h1 {
  margin: 0 0 22px;
  font-size: clamp(50px, 3.8vw, 76px);
  line-height: 1.03;
}

.article-hero h1 span,
.article-body h2 span,
.article-cta h2 span {
  color: var(--accent);
}

.article-hero p {
  max-width: 570px;
  margin: 0;
  color: var(--muted);
  font-size: 26px;
  font-weight: 500;
  line-height: 1.25;
}

.article-content {
  padding: 58px 0 55px;
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.65fr) minmax(320px, .95fr);
  gap: 42px;
}

.article-body {
  min-width: 0;
}

.article-bodies {
  display: grid;
  gap: 58px;
}

.article-featured-image {
  display: block;
  width: 100%;
  border: 2px solid var(--accent);
  border-radius: 17px;
  height: auto;
}

.article-section {
  display: grid;
  grid-template-columns: 105px 1fr;
  align-items: start;
  gap: 26px;
  margin: 22px 0px;
}

.article-section>img {
  width: 94px;
  height: 94px;
  padding: 19px;
  object-fit: contain;
  border: 1px solid var(--accent);
  border-radius: 50%;
}

.article-section:nth-of-type(3)>img {
  padding: 16px;
}

.article-body h2 {
  margin: 5px 0 13px;
  font-size: 34px;
  line-height: 1;
}

.article-body p {
  max-width: 720px;
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.23;
}

.article-checklist {
  display: grid;
  gap: 12px;
  margin: 17px 0 0;
  padding: 0;
  list-style: none;
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
}

.article-checklist li {
  position: relative;
  padding-left: 30px;
}

.article-checklist li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: 1px;
  display: grid;
  place-items: center;
  width: 20px;
  height: 20px;
  border: 2px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font: 14px Arial, sans-serif;
  font-weight: bold;
}

.article-cta {
  display: grid;
  grid-template-columns: 132px 1fr;
  align-items: center;
  gap: 25px;
  margin-top: 58px;
  padding: 27px 26px 27px 22px;
  border: 2px solid var(--accent);
  border-radius: 13px;
  background: rgba(0, 27, 47, .75);
}

.article-cta>img {
  width: 96px;
  height: 96px;
  padding: 18px;
  border: 1px solid var(--accent);
  border-radius: 50%;
  object-fit: contain;
}

.article-cta>div {
  padding-left: 28px;
  border-left: 1px solid var(--accent);
}

.article-cta h2 {
  margin: 0 0 11px;
  font-size: 31px;
}

.article-cta p {
  font-size: 21px;
}

.article-button {
  display: inline-flex;
  align-items: center;
  gap: 27px;
  margin-top: 20px;
  padding: 8px 8px 8px 24px;
  border-radius: 999px;
  background: var(--accent);
  color: #00101a;
  font-size: 17px;
  font-weight: 700;
}

.article-button b {
  display: grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: #fff;
  font: 21px Arial, sans-serif;
}

.article-share {
  display: flex;
  align-items: center;
  gap: 15px;
  margin: 41px 0 0 7px;
  color: var(--muted);
  font-size: 22px;
}

.article-share a {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--accent);
  color: #002038;
  font: 700 21px Arial, sans-serif;
}

.article-share a:has(img) {
  padding: 9px;
}

.article-share img {
  width: 100%;
  height: 100%;
}

.article-sidebar {
  display: grid;
  align-content: start;
  gap: 24px;
  padding-left: 35px;
  border-left: 1px solid rgba(52, 209, 249, .6);
}

.article-search {
  display: flex;
  height: 65px;
  padding: 0 16px 0 26px;
  border: 1px solid var(--accent);
  border-radius: 16px;
  background: #001425;
}

.article-search input,
.subscribe input {
  min-width: 0;
  flex: 1;
  border: 0;
  outline: 0;
  color: #fff;
  background: transparent;
  font: 20px "Barlow Condensed", sans-serif;
}

.article-search input::placeholder,
.subscribe input::placeholder {
  color: rgba(255, 255, 255, .7);
}

.article-search button {
  border: 0;
  color: var(--accent);
  background: transparent;
  font-size: 37px;
  line-height: 1;
}

.sidebar-card {
  overflow: hidden;
  padding: 28px 28px 20px;
  border: 1px solid var(--accent);
  border-radius: 16px;
  background: rgba(0, 25, 43, .84);
}

.sidebar-card h2 {
  margin: 0 0 17px;
  font-size: 28px;
  line-height: 1;
}

.sidebar-card h2 i {
  margin-right: 12px;
  color: var(--accent);
  font-family: Arial, sans-serif;
  font-style: normal;
}

.categories a {
  display: grid;
  grid-template-columns: 1fr auto 17px;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(52, 209, 249, .55);
  color: var(--muted);
  font-size: 16px;
}

.categories a:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.categories b {
  min-width: 35px;
  padding: 2px 8px;
  border-radius: 999px;
  background: #075286;
  color: #c0eaff;
  font-size: 14px;
  text-align: center;
}

.categories em {
  color: var(--accent);
  font-size: 28px;
  font-style: normal;
  line-height: .5;
}

.recent {
  padding-bottom: 18px;
}

.recent>a {
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: 16px;
  padding: 8px 0 13px;
  border-bottom: 1px solid rgba(52, 209, 249, .55);
  color: var(--muted);
  font-size: 16px;
  line-height: 1.05;
}

.recent>a:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.recent img {
  width: 72px;
  height: 62px;
  border-radius: 7px;
  object-fit: cover;
}

.recent small {
  display: block;
  margin-top: 7px;
  color: var(--accent);
  font-size: 12px;
}

.subscribe p {
  margin: 0 0 17px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.1;
}

.subscribe form {
  display: flex;
  height: 48px;
  overflow: hidden;
  border: 1px solid var(--accent);
  border-radius: 7px;
}

.subscribe input {
  padding: 0 14px;
  font-size: 14px;
}

.subscribe button {
  width: 55px;
  border: 0;
  background: var(--accent);
  color: #002039;
  font-size: 22px;
}

.subscribe>small {
  display: block;
  margin: 12px 7px 0;
  color: var(--muted);
  font-size: 12px;
}

@media (max-width: 991px) {
  .article-hero {
    min-height: 390px;
    background-position: 62% center;
  }

  .article-layout {
    grid-template-columns: 1fr;
  }

  .article-sidebar {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    padding: 34px 0 0;
    border-top: 1px solid rgba(52, 209, 249, .6);
    border-left: 0;
  }

  .article-search {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {
  .article-hero {
    min-height: 350px;
    background-position: 61% center;
  }

  .article-hero-copy {
    max-width: 290px;
  }

  .article-hero p {
    font-size: 20px;
  }

  .article-content {
    padding: 38px 0;
  }

  .article-layout {
    gap: 28px;
  }

  .article-section {
    grid-template-columns: 1fr;
    gap: 15px;
    margin-top: 42px;
  }

  .article-section>img {
    width: 75px;
    height: 75px;
    padding: 14px;
  }

  .article-body h2 {
    font-size: 30px;
  }

  .article-body p,
  .article-checklist {
    font-size: 19px;
  }

  .article-cta {
    grid-template-columns: 1fr;
    padding: 22px;
    gap: 16px;
  }

  .article-cta>img {
    width: 76px;
    height: 76px;
    padding: 14px;
  }

  .article-cta>div {
    padding: 0;
    border: 0;
  }

  .article-cta h2 {
    font-size: 28px;
  }

  .article-cta p {
    font-size: 19px;
  }

  .article-share {
    flex-wrap: wrap;
    margin-top: 30px;
  }

  .article-sidebar {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .article-search {
    grid-column: auto;
  }

  .sidebar-card {
    padding: 23px 20px;
  }
}

.footer-section .contact-form {
  display: grid;
  gap: 0px;
}

/* Immediate Financing Arrangement page */
.ifa-page {
  background: #001226;
}

.ifa-page h1 span,
.ifa-page h2 span {
  color: var(--accent);
}

.ifa-page h2 {
  margin: 0 0 20px;
  font-size: clamp(34px, 2.0vw, 44px);
}

.ifa-page p,
.ifa-page li {
  color: rgba(255, 255, 255, .84);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.45;
}

.ifa-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.ifa-hero h1 {
  margin: 0;
  font-size: clamp(52px, 3.6vw, 79px);
  line-height: 1.02;
}

.ifa-intro {
  padding: 48px 0 52px;
  background: linear-gradient(106deg, #00080e, #001f35 60%, #001224);
  border-bottom: 1px solid var(--line);
}

.ifa-intro p {
  margin: 0 0 10px;
}

.ifa-works {
  padding: 53px 0 57px;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.ifa-steps {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  column-gap: 80px;
  row-gap: 31px;
}

.ifa-steps article {
  display: grid;
  grid-template-columns: 34px 1fr;
  column-gap: 10px;
}

.ifa-steps b {
  grid-row: span 2;
  color: var(--accent);
  font-family: 'Source Serif 4', serif;
  font-size: 40px;
  line-height: .8;
}

.ifa-steps h3 {
  margin: 0 0 8px;
  color: var(--accent);
  font-family: 'Source Serif 4', serif;
  font-size: 24px;
  font-weight: 700;
  /* line-height: 1; */
}

.ifa-steps p {
  margin: 0;
  font-size: 18px;
}

.ifa-image-block {
  min-height: 560px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.ifa-image-block .container {
  display: flex;
}

.ifa-image-block .container>div {
  width: 48%;
}

.ifa-image-block p {
  margin: 0 0 15px;
}

.ifa-image-block h3 {
  margin: 22px 0 7px;
  color: var(--accent);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 26px;
  font-weight: 700;
}

.ifa-common {
  min-height: 580px;
  /* background-size: 1560px 9469px;
  background-position: center -2688px; */
}

.ifa-common .container {
  justify-content: flex-end;
}

/* .ifa-corporate {
  min-height: 600px;
  background-size: 1560px 9469px;
  background-position: center -3472px;
}

.ifa-tax {
  min-height: 550px;
  background-size: 1560px 9469px;
  background-position: center -4336px;
} */

.ifa-tax .container {
  justify-content: flex-end;
}

.ifa-objectives {
  padding: 50px 0 47px;
  border-bottom: 1px solid var(--line);
  background-color: #001429;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.objective-grid,
.risk-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 46px;
}

.objective-grid ul,
.risk-grid ul,
.ifa-trust ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.objective-grid li,
.risk-grid li,
.ifa-trust li {
  position: relative;
  margin-bottom: 13px;
  padding-left: 29px;
}

.objective-grid li::before,
.risk-grid li::before,
.ifa-trust li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: 2px;
  width: 18px;
  height: 18px;
  border: 1px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font: 700 13px Arial, sans-serif;
  text-align: center;
  line-height: 16px;
}

.ifa-trust {
  min-height: 830px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.ifa-trust .container>div {
  width: 49%;
}

.ifa-trust h2 {
  margin-bottom: 26px;
}

.ifa-trust p {
  max-width: 680px;
  margin: 0 0 24px;
  font-size: 18px;
  line-height: 1.28;
}

.ifa-trust li {
  max-width: 680px;
  margin-bottom: 20px;
  padding-left: 38px;
  font-size: 18px;
  line-height: 1.25;
}

.ifa-trust li::before {
  top: 3px;
  width: 24px;
  height: 24px;
  font-size: 17px;
  line-height: 22px;
}

.ifa-risks {
  padding: 49px 0;
  border-bottom: 1px solid var(--line);
  background-color: #00152a;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.ifa-risks>.container>p {
  margin: 0 0 20px;
}

.ifa-risks .risk-grid {
  margin-bottom: 15px;
}

.ifa-closing {
  padding: 57px 0 42px;
  background-color: #00172a;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.ifa-closing .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 66px;
}

.ifa-closing h2 {
  font-size: clamp(36px, 2.2vw, 55px);
}

.ifa-closing p {
  margin: 0 0 27px;
  font-size: 18px;
  line-height: 1.6;
}

.ifa-closing .container>a {
  grid-column: 1/-1;
  padding: 18px 30px;
  border: 1px solid var(--accent);
  border-radius: 22px;
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  line-height: 1.15;
  text-align: center;
}

@media (max-width:991px) {
  .ifa-hero {
    min-height: 390px;
    background-position: 65% center
  }

  .ifa-image-block {
    min-height: 500px
  }

  .ifa-image-block .container>div,
  .ifa-trust .container>div {
    width: 58%
  }

  .ifa-steps {
    column-gap: 35px
  }

  .ifa-page p,
  .ifa-page li {
    font-size: 18px
  }
}

@media (max-width:575px) {
  .ifa-hero {
    min-height: 340px;
    background-position: 62% center
  }

  .ifa-hero h1 {
    font-size: 45px
  }

  .ifa-intro,
  .ifa-works,
  .ifa-objectives,
  .ifa-risks {
    padding: 38px 0
  }

  .ifa-page h2 {
    font-size: 36px
  }

  .ifa-steps,
  .objective-grid,
  .risk-grid,
  .ifa-closing .container {
    grid-template-columns: 1fr;
    gap: 25px
  }

  .ifa-steps p {
    font-size: 17px
  }

  .ifa-image-block {
    min-height: 530px;
    padding: 40px 0;
    background-size: 100% auto
  }

  /* .ifa-common {
    background-position: center -580px
  } */

  .ifa-corporate {
    background-position: center -750px
  }

  .ifa-tax {
    background-position: center -936px
  }

  .ifa-image-block .container>div,
  .ifa-trust .container>div {
    width: 100%;
    padding: 25px;
    background: rgba(0, 12, 25, .72)
  }

  .ifa-trust {
    min-height: 600px;
    padding: 40px 0;
    background-position: 62% center
  }

  .ifa-closing {
    padding: 40px 0
  }

  .ifa-closing .container>a {
    grid-column: auto;
    font-size: 16px
  }

  .objective-grid li,
  .risk-grid li,
  .ifa-trust li {
    padding-left: 26px
  }
}

/* Insured retirement strategy page */
.insured-retirement-page {
  background: #000914;
}

.insured-retirement-page h1,
.insured-retirement-page h2 {
  margin: 0px 0px 20px 0px;
  font-size: clamp(34px, 2.0vw, 44px);
}

.insured-retirement-page h1 span,
.insured-retirement-page h2 span,
.insured-retirement-page h3 {
  color: var(--accent);
}

.insured-retirement-page p,
.insured-retirement-page li {
  color: rgba(255, 255, 255, .86);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.3;
}

.insured-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.insured-hero h1 {
  font-size: clamp(48px, 3.6vw, 66px);
}

.insured-intro,
.insured-objectives,
.insured-closing {
  padding: 42px 0 46px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(106deg, #00080e, #00213a 60%, #001224);
}

.insured-intro p {
  max-width: 1380px;
  margin: 0 0 10px;
}

.insured-intro .lead {
  color: #fff;
  font-size: 20px;
}

.insured-why {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.insured-copy {
  width: 49%;
  margin-left: auto;
}

.insured-why h2,
.insured-planning h2 {
  margin-bottom: 22px;
}

.insured-retirement-page .check-list {
  display: grid;
  gap: 14px;
}

.insured-retirement-page .check-list li {
  padding-left: 30px;
  font-size: 18px;
}

.insured-works {
  padding: 43px 0 46px;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.insured-works h2 {
  margin-bottom: 32px;
}

.insured-steps {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px 72px;
}

.insured-steps article {
  display: grid;
  grid-template-columns: 36px 1fr;
  column-gap: 10px;
}

.insured-steps b {
  grid-row: span 2;
  color: var(--accent);
  font-family: 'Source Serif 4', serif;
  font-size: 42px;

}

.insured-steps h3 {
  margin: 0 0 6px;
  font-family: 'Source Serif 4', serif;
  font-size: 25px;
  font-weight: 700;

}

.insured-steps p {
  margin: 0;
  font-size: 18px;
}

.insured-objectives .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 78px;
}

.insured-objectives h2 {
  margin-bottom: 22px;
}

.insured-objectives p {
  margin: -4px 0 18px;
}

.insured-planning {
  min-height: 800px;
  padding: 55px 0;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.insured-planning .insured-copy {
  margin-left: 0;
}

.insured-planning p {
  margin: 0 0 18px;
}

.insured-closing p {
  margin: 0 0 20px;
}

.insured-closing img {
  display: block;
  width: 100%;
  margin: 24px 0 20px;
  border: 2px solid var(--accent);
  border-radius: 34px;
}

.insured-cta {
  display: block;
  padding: 17px 25px;
  border: 1px solid var(--accent);
  border-radius: 14px;
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  line-height: 1.2;
  text-align: center;
}

@media (max-width: 991px) {
  .insured-copy {
    width: 58%;
  }

  .insured-retirement-page p,
  .insured-retirement-page li {
    font-size: 18px;
  }

  .insured-objectives .container {
    gap: 38px;
  }

  .insured-why {
    background-position: 35% center;
  }
}

@media (max-width: 575px) {
  .insured-hero {
    min-height: 330px;
    background-position: 62% center;
  }

  .insured-retirement-page h1,
  .insured-retirement-page h2 {
    font-size: 38px;
  }

  .insured-intro,
  .insured-objectives,
  .insured-closing,
  .insured-works,
  .insured-planning {
    padding: 36px 0;
  }

  .insured-copy {
    width: 100%;
    padding: 24px;
    background: rgba(0, 10, 22, .76);
  }

  .insured-why {
    min-height: 590px;
    background-position: 35% center;
  }

  .insured-steps,
  .insured-objectives .container {
    grid-template-columns: 1fr;
    gap: 26px;
  }

  .insured-planning {
    min-height: 0;
    background-position: 59% center;
  }

  .insured-retirement-page .check-list li {
    font-size: 17px;
  }

  .insured-cta {
    font-size: 16px;
  }
}

/* Private Health Services Plan page */
.phsp-page {
  background: #000914;
}

.phsp-page h1,
.phsp-page h2 {
  margin: 0 0 20px;
  font-size: clamp(34px, 2.0vw, 44px);
}

.phsp-page h1 span,
.phsp-page h2 span,
.phsp-page h3 {
  color: var(--accent);
}

.phsp-page p,
.phsp-page li {
  color: rgba(255, 255, 255, .86);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.3;
}

.phsp-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.phsp-hero h1 {
  font-size: clamp(48px, 3.2vw, 76px);
}

.phsp-intro,
.phsp-objectives,
.phsp-closing {
  padding: 42px 0 46px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(106deg, #00080e, #00213a 60%, #001224);
}

.phsp-intro p {
  max-width: 1380px;
  margin: 0 0 10px;
}

.phsp-intro .lead {
  color: #fff;
  font-size: 20px;
}

.phsp-works {
  padding: 43px 0 46px;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.phsp-works>.container>p {
  max-width: 1350px;
  margin: -8px 0 30px;
}

.phsp-steps {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px 72px;
}

.phsp-steps article {
  display: grid;
  grid-template-columns: 36px 1fr;
  column-gap: 10px;
}

.phsp-steps article:last-child {
  grid-column: 1 / -1;
  max-width: calc(50% - 36px);
}

.phsp-steps b {
  color: var(--accent);
  font-family: "Source Serif 4", serif;
  font-size: 42px;
  line-height: 1;
}

.phsp-steps h3 {
  margin: 0 0 6px;
  font-family: "Source Serif 4", serif;
  font-size: 24px;
  font-weight: 700;
}

.phsp-steps p {
  margin: 0;
  font-size: 18px;
}

.phsp-objectives .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 78px;
}

.phsp-objectives h2 {
  margin-bottom: 22px;
}

.phsp-objectives p {
  margin: -4px 0 18px;
}

.phsp-page .check-list {
  display: grid;
  gap: 14px;
}

.phsp-page .check-list li {
  padding-left: 30px;
  font-size: 18px;
}

.phsp-expenses {
  min-height: 590px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.phsp-copy {
  width: 49%;
  margin-left: auto;
}

.phsp-expenses h2 {
  margin-bottom: 22px;
}

.phsp-expenses p {
  margin: 0 0 18px;
}

.phsp-closing h2 {
  margin-top: 36px;
}

.phsp-closing h2:first-child {
  margin-top: 0;
}

.phsp-closing p {
  margin: 0 0 16px;
}

.phsp-cta {
  display: block;
  margin-top: 28px;
  padding: 17px 25px;
  border: 1px solid var(--accent);
  border-radius: 14px;
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  line-height: 1.2;
  text-align: center;
}

@media (max-width:991px) {

  .phsp-page p,
  .phsp-page li {
    font-size: 18px;
  }

  .phsp-objectives .container {
    gap: 38px;
  }

  .phsp-copy {
    width: 58%;
  }

  .phsp-expenses {
    background-position: 34% center;
  }
}

@media (max-width:575px) {
  .phsp-hero {
    min-height: 330px;
    background-position: 63% center;
  }

  .phsp-page h1,
  .phsp-page h2 {
    font-size: 38px;
  }

  .phsp-intro,
  .phsp-objectives,
  .phsp-closing,
  .phsp-works {
    padding: 36px 0;
  }

  .phsp-steps,
  .phsp-objectives .container {
    grid-template-columns: 1fr;
    gap: 26px;
  }

  .phsp-steps article:last-child {
    grid-column: auto;
    max-width: none;
  }

  .phsp-expenses {
    min-height: 590px;
    background-position: 34% center;
  }

  .phsp-copy {
    width: 100%;
    padding: 24px;
    background: rgba(0, 10, 22, .78);
  }

  .phsp-page .check-list li {
    font-size: 17px;
  }

  .phsp-cta {
    font-size: 16px;
  }
}

/* Shared ownership critical illness page */
.shared-page {
  background: #000914;
}

.shared-page h1,
.shared-page h2 {
  margin: 0 0 20px;
  font-size: clamp(34px, 2.0vw, 44px);
}

.shared-page h1 span,
.shared-page h2 span,
.shared-page h3 {
  color: var(--accent);
}

.shared-page p,
.shared-page li {
  color: rgba(255, 255, 255, .86);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.3;
}

.shared-hero {
  min-height: 476px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  border-bottom: 1px solid var(--line);
}

.shared-hero h1 {
  font-size: clamp(48px, 3.6vw, 76px);
}

.shared-intro,
.shared-objectives,
.shared-closing {
  padding: 42px 0 46px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(106deg, #00080e, #00213a 60%, #001224);
}

.shared-intro p {
  max-width: 1380px;
  margin: 0 0 10px;
}

.shared-intro .lead {
  color: #fff;
  font-size: 21px;
}

.shared-works {
  padding: 43px 0 46px;
  background: radial-gradient(ellipse at 82% 58%, rgba(0, 86, 138, .5), transparent 42%), linear-gradient(110deg, #00050d, #00192e 62%, #000914);
  border-bottom: 1px solid var(--line);
}

.shared-steps {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px 72px;
}

.shared-steps article,
.shared-step-six {
  display: grid;
  grid-template-columns: 36px 1fr;
  column-gap: 10px;
}

.shared-steps b,
.shared-step-six b {
  color: var(--accent);
  font-family: "Source Serif 4", serif;
  font-size: 42px;
  line-height: 1;
}

.shared-steps h3,
.shared-step-six h3 {
  margin: 0 0 6px;
  font-family: "Source Serif 4", serif;
  font-size: 24px;
  font-weight: 700;
}

.shared-steps p,
.shared-step-six p {
  margin: 0;
  font-size: 20px;
}

.shared-runner {
  display: block;
  width: 94%;
  max-height: 300px;
  margin: 28px auto;
  object-fit: cover;
  border: 2px solid var(--accent);
  border-radius: 9px;
}

.shared-step-six {

  margin: 0 auto;
}

.shared-objectives .container,
.shared-compliance .container,
.shared-closing>.container:first-child {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 78px;
}

.shared-objectives h2,
.shared-compliance h2 {
  margin-bottom: 22px;
}

.shared-objectives p {
  margin: -4px 0 18px;
}

.shared-page .check-list {
  display: grid;
  gap: 14px;
}

.shared-page .check-list li {
  padding-left: 30px;
  font-size: 18px;
}

.shared-page .two-column {
  grid-template-columns: 1fr 1fr;
  column-gap: 25px;
}

.shared-compliance {
  padding: 50px 0;
  background: url('../img/doctor.png') center / cover no-repeat;
  border-bottom: 1px solid var(--line);
}

.shared-compliance p {
  margin: 0 0 17px;
}

.shared-closing h2 {
  margin-bottom: 20px;
}

.shared-closing p {
  margin: 0 0 16px;
}

.shared-final {
  margin-top: 42px;
}

.shared-cta {
  display: block;
  margin-top: 28px;
  padding: 17px 25px;
  border: 1px solid var(--accent);
  border-radius: 14px;
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  line-height: 1.2;
  text-align: center;
}

@media (max-width:991px) {

  .shared-page p,
  .shared-page li {
    font-size: 18px;
  }

  .shared-objectives .container,
  .shared-compliance .container,
  .shared-closing>.container:first-child {
    gap: 38px;
  }

  .shared-runner {
    width: 82%;
  }

  .shared-step-six {
    max-width: 82%;
  }
}

@media (max-width:575px) {
  .shared-hero {
    min-height: 330px;
    background-position: 61% center;
  }

  .shared-page h1,
  .shared-page h2 {
    font-size: 38px;
  }

  .shared-intro,
  .shared-objectives,
  .shared-closing,
  .shared-works,
  .shared-compliance {
    padding: 36px 0;
  }

  .shared-steps,
  .shared-objectives .container,
  .shared-compliance .container,
  .shared-closing>.container:first-child,
  .shared-page .two-column {
    grid-template-columns: 1fr;
    gap: 26px;
  }

  .shared-runner,
  .shared-step-six {
    width: 100%;
    max-width: none;
  }

  .shared-page .check-list li {
    font-size: 17px;
  }

  .shared-cta {
    font-size: 16px;
  }
}

/* Reduce heading scale by 20% everywhere except the five specified solution pages. */
main:not(.shared-page):not(.phsp-page):not(.corporate-page):not(.ifa-page):not(.insured-retirement-page) h1,
main:not(.shared-page):not(.phsp-page):not(.corporate-page):not(.ifa-page):not(.insured-retirement-page) h2 {
  zoom: 80%;
}

/* Insurance options overview page */
.insurance-options-page {
  background: #000d1e;
  overflow: hidden;
}

.insurance-options-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background: #001021 center / cover no-repeat;
  border-bottom: 1px solid var(--line);
}

.insurance-options-hero-copy {
  max-width: 560px;
}

.insurance-options-hero h1 {
  margin: 0 0 16px;
  font-size: clamp(48px, 4vw, 76px);
}

.insurance-options-hero p,
.insurance-options-content p,
.insurance-options-content li {
  color: rgba(255, 255, 255, .86);
  font-size: 20px;
  line-height: 1.35;
}

.insurance-options-hero p {
  max-width: 520px;
  margin: 0;
  font-size: 24px;
}

.insurance-options-content {
  padding: 58px 0 72px;
  background: radial-gradient(circle at 6% 48%, rgba(0, 123, 183, .18), transparent 27%), linear-gradient(110deg, #00142a, #000817 56%, #00172a);
}

.insurance-options-content h2 {
  margin: 0 0 18px;
  font-size: clamp(40px, 3.25vw, 62px);
  line-height: 1.03;
}

.insurance-options-content p {
  margin: 0 0 20px;
}

.insurance-options-intro,
.insurance-options-plans {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 54px;
  align-items: center;
}

.insurance-options-intro img,
.insurance-options-market img {
  width: 100%;
  border: 1px solid rgba(52, 209, 249, .75);
  border-radius: 22px;
}

.insurance-options-copy {
  padding: 28px 0 48px;
}

.insurance-options-copy h2 {
  font-size: clamp(40px, 3.0vw, 60px);
}

.insurance-options-copy-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
}

.insurance-options-plans {
  align-items: start;
}

.insurance-options-list,
.insurance-options-market ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.insurance-options-list li,
.insurance-options-market li {
  position: relative;
  padding-left: 21px;
  margin: 0 0 17px;
}

.insurance-options-list li::before,
.insurance-options-market li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .62em;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--accent);
}

.insurance-options-market {
  /* display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 54px;
  align-items: center;
  margin-top: -6px; */
}

.insurance-options-market h2 {
  margin-top: 30px;
}

@media (max-width: 991px) {
  .insurance-options-hero {
    min-height: 390px;
  }

  .insurance-options-intro,
  .insurance-options-plans,
  .insurance-options-market {
    gap: 32px;
  }

  .insurance-options-hero p,
  .insurance-options-content p,
  .insurance-options-content li {
    font-size: 18px;
  }
}

@media (max-width: 767px) {
  .insurance-options-hero {
    min-height: 360px;
    background-position: 63% center;
  }

  .insurance-options-content {
    padding: 42px 0 50px;
  }

  .insurance-options-intro,
  .insurance-options-plans,
  .insurance-options-market,
  .insurance-options-copy-grid {
    grid-template-columns: 1fr;
  }

  .insurance-options-intro img {
    grid-row: 2;
  }

  .insurance-options-copy {
    padding: 38px 0;
  }

  .insurance-options-market {
    margin-top: 0;
  }

  .insurance-options-market h2 {
    margin-top: 0;
  }
}

/* Long term care insurance page */
.long-term-page {
  background: #000914;
  overflow: hidden;
}

.long-term-page h1,
.long-term-page h2 {
  margin: 0;
}

.long-term-page h1 span,
.long-term-page h2 span {
  color: var(--accent);
}

.long-term-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.long-term-hero-copy {
  max-width: 540px;
}

.long-term-hero h1 {
  font-size: clamp(50px, 4vw, 78px);
}

.long-term-hero p,
.long-term-content p {
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.38;
}

.long-term-hero p {
  max-width: 500px;
  margin: 18px 0 0;
  font-size: 25px;
  line-height: 1.25;
}

.long-term-content {
  padding: 54px 0 68px;
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Protect-Your-Independence-Your-Savings-and-Your-Family-background-2.jpg) center / cover no-repeat;
}

.long-term-intro h2,
.long-term-need h2 {
  font-size: clamp(42px, 3.0vw, 68px);
  line-height: 1.08;
}

.long-term-intro p {
  max-width: 1250px;
  margin: 20px 0 0;
}

.long-term-family {
  display: block;
  width: 100%;
  margin: 35px auto 48px;
  border: 2px solid var(--accent);
  border-radius: 33px;
}

.long-term-need h2 {
  margin-bottom: 28px;
}

.long-term-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 54px;
}

.long-term-columns p {
  margin: 0 0 25px;
}

.long-term-outro {
  margin: 6px 0 28px;
}

.long-term-cta {
  display: inline-flex;
  gap: 18px;
  align-items: center;
  padding: 13px 23px;
  border: 1px solid var(--accent);
  border-radius: 999px;
  color: #fff;
  font-size: 18px;
  font-weight: 600;
  text-decoration: none;
  transition: .2s ease;
}

.long-term-cta span {
  display: grid;
  width: 25px;
  height: 25px;
  place-items: center;
  border-radius: 50%;
  color: #00101e;
  background: var(--accent);
}

.long-term-cta:hover {
  color: #00101e;
  background: var(--accent);
}

.long-term-cta:hover span {
  background: #fff;
}

@media (max-width: 991px) {
  .long-term-hero {
    min-height: 410px;
    background-position: 63% center;
  }

  .long-term-hero p {
    font-size: 21px;
  }

  .long-term-content p {
    font-size: 18px;
  }

  .long-term-columns {
    gap: 34px;
  }
}

@media (max-width: 575px) {
  .long-term-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 59% center;
  }

  .long-term-hero-copy {
    max-width: 300px;
  }

  .long-term-hero h1 {
    font-size: 46px;
  }

  .long-term-hero p,
  .long-term-content p {
    font-size: 18px;
  }

  .long-term-content {
    padding: 42px 0 50px;
  }

  .long-term-intro h2,
  .long-term-need h2 {
    font-size: 39px;
  }

  .long-term-intro h2 br {
    display: none;
  }

  .long-term-family {
    margin: 28px auto 38px;
    border-radius: 15px;
  }

  .long-term-columns {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .long-term-need h2 {
    margin-bottom: 22px;
  }

  .long-term-cta {
    font-size: 16px;
  }
}

/* Visitors to Canada medical insurance page */
.visitors-page {
  background: #000914;
}

.visitors-page h1,
.visitors-page h2,
.visitors-page h3 {
  margin: 0;
}

.visitors-page h1 span,
.visitors-page h2 span,
.visitors-page h3 span {
  color: var(--accent);
}

.visitors-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.visitors-hero-copy {
  max-width: 540px;
}

.visitors-hero h1 {
  font-size: clamp(50px, 4vw, 78px);
  line-height: 1.08;
}

.visitors-hero p {
  max-width: 500px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 25px;
  font-weight: 500;
  line-height: 1.25;
}

.visitors-content {
  padding: 55px 0 64px;
  border-bottom: 1px solid var(--line);
  background: radial-gradient(ellipse at 78% 54%, rgba(0, 104, 170, .48), transparent 45%), linear-gradient(112deg, #00050d, #00213d 58%, #001020);
}

.visitors-content h2 {
  font-size: clamp(42px, 3.0vw, 68px);
  line-height: 1.08;
}

.visitors-lead {
  max-width: 1370px;
  margin: 22px 0 43px;
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.35;
}

.visitors-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 68px;
}

.visitors-grid h3 {
  margin-bottom: 26px;
  font-size: clamp(34px, 2.5vw, 49px);
  line-height: 1.08;
}

.visitors-checklist {
  display: grid;
  gap: 22px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.visitors-checklist li {
  position: relative;
  padding-left: 37px;
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.26;
}

.visitors-checklist li::before {
  content: '\2713';
  position: absolute;
  top: .08em;
  left: 0;
  display: grid;
  place-items: center;
  width: 22px;
  height: 22px;
  border: 2px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font: 700 14px Arial, sans-serif;
}

.visitors-checklist small {
  font-size: .78em;
}

@media (max-width: 991px) {
  .visitors-hero {
    min-height: 410px;
    background-position: 62% center;
  }

  .visitors-hero p {
    font-size: 21px;
  }

  .visitors-lead,
  .visitors-checklist li {
    font-size: 18px;
  }

  .visitors-grid {
    gap: 40px;
  }
}

@media (max-width: 575px) {
  .visitors-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 60% center;
  }

  .visitors-hero-copy {
    max-width: 300px;
  }

  .visitors-hero h1 {
    font-size: 44px;
  }

  .visitors-hero p,
  .visitors-lead,
  .visitors-checklist li {
    font-size: 18px;
  }

  .visitors-content {
    padding: 42px 0 50px;
  }

  .visitors-content h2 {
    font-size: 39px;
  }

  .visitors-lead {
    margin: 19px 0 34px;
  }

  .visitors-grid {
    grid-template-columns: 1fr;
    gap: 38px;
  }

  .visitors-grid h3 {
    font-size: 35px;
    margin-bottom: 21px;
  }

  .visitors-checklist {
    gap: 18px;
  }
}

/* Group insurance page */
.group-page {
  background: #000914;
}

.group-page h1,
.group-page h2,
.group-page h3 {
  margin: 0;
}

.group-page h1 span,
.group-page h2 span {
  color: var(--accent);
}

.group-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.group-hero-copy {
  max-width: 535px;
}

.group-hero h1 {
  font-size: clamp(50px, 4vw, 78px);
}

.group-hero p,
.group-content p {
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.38;
}

.group-hero p {
  max-width: 500px;
  margin: 18px 0 0;
  font-size: 25px;
  line-height: 1.25;
}

.group-content {
  padding: 54px 0 62px;
  border-bottom: 1px solid var(--line);
  background: radial-gradient(ellipse at 75% 55%, rgba(0, 102, 166, .46), transparent 44%), linear-gradient(112deg, #00050d, #00213d 58%, #001020);
}

.group-content h2 {
  font-size: clamp(42px, 3.0vw, 66px);
  line-height: 1.08;
}

.group-lead {
  max-width: 1420px;
  margin: 24px 0 38px;
}

.group-details {
  display: grid;
  grid-template-columns: 1fr .9fr;
  gap: 62px;
  align-items: center;
}

.group-details h3 {
  margin-bottom: 20px;
  font-size: clamp(37px, 2.8vw, 54px);
}

.group-details p {
  margin: 0 0 19px;
}

.group-details a {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.group-details img {
  width: 100%;
  border: 2px solid var(--accent);
  border-radius: 32px;
}

@media (max-width: 991px) {
  .group-hero {
    min-height: 410px;
    background-position: 62% center;
  }

  .group-hero p {
    font-size: 21px;
  }

  .group-content p {
    font-size: 18px;
  }

  .group-details {
    gap: 34px;
  }
}

@media (max-width: 575px) {
  .group-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 54% center;
  }

  .group-hero-copy {
    max-width: 300px;
  }

  .group-hero h1 {
    font-size: 46px;
  }

  .group-hero p,
  .group-content p {
    font-size: 18px;
  }

  .group-content {
    padding: 42px 0 50px;
  }

  .group-content h2 {
    font-size: 39px;
  }

  .group-content h2 br {
    display: none;
  }

  .group-lead {
    margin: 20px 0 32px;
  }

  .group-details {
    grid-template-columns: 1fr;
    gap: 25px;
  }

  .group-details h3 {
    font-size: 39px;
  }

  .group-details img {
    order: -1;
    border-radius: 17px;
  }
}

/* Disability income protection page */
.disability-page {
  background: #000914;
}

.disability-page h1,
.disability-page h2 {
  margin: 0;
}

.disability-page h1 span,
.disability-page h2 span {
  color: var(--accent);
}

.disability-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.disability-hero-copy {
  max-width: 550px;
}

.disability-hero h1 {
  font-size: clamp(50px, 4vw, 78px);
}

.disability-hero p,
.disability-overview p,
.disability-options p,
.disability-checklist li {
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.38;
}

.disability-hero p {
  max-width: 500px;
  margin: 18px 0 0;
  font-size: 25px;
  line-height: 1.25;
}

.disability-overview {
  padding: 48px 0 36px;
  border-bottom: 1px solid var(--line);
  background: radial-gradient(ellipse at 76% 50%, rgba(0, 103, 171, .45), transparent 44%), linear-gradient(112deg, #00050d, #00213d 58%, #001020);
}

.disability-overview-grid {
  display: grid;
  grid-template-columns: 40% 1fr;
  align-items: center;
  gap: 54px;
}

.disability-overview-grid img {
  width: 100%;
  border: 2px solid var(--accent);
  border-radius: 21px;
}

.disability-overview h2,
.disability-options h2 {
  font-size: clamp(42px, 3.0vw, 67px);
  line-height: 1.08;
}

.disability-overview-grid p {
  margin: 23px 0 0;
}

.disability-closing {
  margin: 30px 0 0;
}

.disability-options {
  padding: 53px 0 58px;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
}

.disability-options h2 {
  max-width: 920px;
}

.disability-options>.container>p:not(.disability-cta-copy) {
  max-width: 930px;
  margin: 23px 0 28px;
}

.disability-checklist {
  display: grid;
  gap: 18px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.disability-checklist li {
  position: relative;
  padding-left: 35px;
}

.disability-checklist li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: .08em;
  display: grid;
  place-items: center;
  width: 22px;
  height: 22px;
  border: 2px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font: 700 14px Arial, sans-serif;
}

.disability-checklist strong {
  color: var(--accent);
}

.disability-cta-copy {
  margin: 31px 0 0;
}

.disability-cta-copy a {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 3px;
}

@media (max-width: 991px) {
  .disability-hero {
    min-height: 410px;
    background-position: 62% center;
  }

  .disability-hero p {
    font-size: 21px;
  }

  .disability-overview-grid {
    gap: 32px;
  }

  .disability-overview p,
  .disability-options p,
  .disability-checklist li {
    font-size: 18px;
  }
}

@media (max-width: 575px) {
  .disability-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 58% center;
  }

  .disability-hero-copy {
    max-width: 305px;
  }

  .disability-hero h1 {
    font-size: 45px;
  }

  .disability-hero p,
  .disability-overview p,
  .disability-options p,
  .disability-checklist li {
    font-size: 18px;
  }

  .disability-overview {
    padding: 42px 0;
  }

  .disability-overview-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .disability-overview h2,
  .disability-options h2 {
    font-size: 39px;
  }

  .disability-overview-grid img {
    max-width: 480px;
    margin: auto;
  }

  .disability-closing {
    margin-top: 26px;
  }

  .disability-options {
    padding: 42px 0;
  }

  .disability-options h2 br {
    display: none;
  }

  .disability-checklist {
    gap: 16px;
  }
}

/* Business overhead expense page */
.business-overhead-page {
  background: #000914;
}

.business-overhead-page h1,
.business-overhead-page h2 {
  margin: 0;
}

.business-overhead-page h1 span,
.business-overhead-page h2 span,
.business-overhead-page a {
  color: var(--accent);
}

.business-overhead-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.business-overhead-hero-copy {
  max-width: 610px;
}

.business-overhead-hero h1 {
  font-size: clamp(50px, 4vw, 78px);
}

.business-overhead-hero p,
.business-overhead-page article p {
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.38;
}

.business-overhead-hero p {
  max-width: 545px;
  margin: 18px 0 0;
  font-size: 25px;
  line-height: 1.25;
}

.business-overhead-intro {
  padding: 72px 0;
  border-bottom: 1px solid var(--line);
  background: radial-gradient(ellipse at 18% 50%, rgba(0, 102, 173, .45), transparent 52%), linear-gradient(106deg, #00050d, #001a31 62%, #000914);
}

.business-overhead-grid {
  display: grid;
  grid-template-columns: minmax(300px, .82fr) minmax(0, 1.18fr);
  gap: clamp(40px, 6vw, 100px);
  align-items: center;
}

.business-overhead-grid>img {
  width: 100%;
  max-width: 500px;
  justify-self: center;
  border: 2px solid var(--accent);
  border-radius: 26px;
}

.key-person-intro .business-overhead-grid>img {
  height: 500px;
  object-fit: cover;
}

.disability-sell-intro .business-overhead-grid>img {
  height: 500px;
  object-fit: cover;
}

.business-overhead-grid h2 {
  margin-bottom: 31px;
  font-size: clamp(42px, 3.0vw, 68px);
  line-height: 1.06;
}

.business-overhead-grid p {
  margin: 0 0 21px;
}

.business-overhead-grid p:last-child {
  margin-bottom: 0;
}

.business-overhead-grid a {
  text-decoration: none;
}

.business-overhead-grid a:hover,
.business-overhead-grid a:focus-visible {
  text-decoration: underline;
}

.business-overhead-cta {
  min-height: 220px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background: url('../img/lets-bg.png') center / cover no-repeat;
  
}

.business-overhead-cta-inner {
  display: grid;
  grid-template-columns: .42fr .68fr;
  align-items: center;
  width:100%;
}

.business-overhead-cta-image {
  display: flex;
  align-items: center;
  justify-content: center;
}

.business-overhead-cta-image img {
  display: block;
  
  height: auto;
}

.business-overhead-cta h2 {
  margin: 0;
  color: #fff;
  font-family: "Source Serif 4", serif;
  font-size: clamp(32px, 2.65vw, 46px);
  font-weight: 500;
  line-height: 1.08;
}

.business-overhead-cta p {
  margin: 8px 0;
  color: var(--accent);
  font-size: 16px;
  line-height: 1.35;
  font-weight: 500;
}

.business-overhead-cta p + p {
  margin-top: 4px;
}

.business-overhead-cta-button {
  min-height: 41px;
  margin-top: 7px;
  padding: 4px 5px 4px 20px;
  font-size: 16px;
}

.business-overhead-cta-button span {
  width: 29px;
  height: 29px;
  font-size: 16px;
}

@media (max-width: 991px) {
  .business-overhead-hero {
    min-height: 410px;
    background-position: 63% center;
  }

  .business-overhead-grid {
    gap: 36px;
  }

  .business-overhead-grid h2 {
    font-size: 48px;
  }
}

@media (max-width: 575px) {
  .business-overhead-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 64% center;
  }

  .business-overhead-hero h1 {
    font-size: 45px;
  }

  .business-overhead-hero p {
    font-size: 18px;
  }

  .business-overhead-intro {
    padding: 45px 0;
  }

  .business-overhead-grid {
    grid-template-columns: 1fr;
  }

  .business-overhead-grid>img {
    max-width: 390px;
  }

  .key-person-intro .business-overhead-grid>img {
    height: 390px;
  }

  .disability-sell-intro .business-overhead-grid>img {
    height: auto;
  }

  .business-overhead-grid h2 {
    margin-bottom: 24px;
    font-size: 39px;
  }

  .business-overhead-page article p {
    font-size: 18px;
  }

  .business-overhead-cta {
    min-height: 280px;
    padding: 42px 0;
  }

  .business-overhead-cta-inner {
    grid-template-columns: 1fr;
  }

  .business-overhead-cta-inner>div:first-child {
    display: block;
            margin-bottom: 30px;
  }

  .business-overhead-cta h2 {
    font-size: 39px;
  }

  .business-overhead-cta p {
    font-size: 18px;
  }
}

/* Business overhead page: extended content */
.business-overhead-content {
  overflow: hidden;
}

.business-overhead-eyebrow {
  margin: 0 0 14px;
  color: var(--accent);
  font-size: 16px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.business-overhead-section-heading {
  max-width: 760px;
  margin-bottom: 42px;
}

.business-overhead-section-heading h2,
.business-overhead-additional h2 {
  font-size: clamp(42px, 3.2vw, 66px);
  line-height: 1.06;
}

.business-overhead-section-heading>p {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 19px;
  line-height: 1.45;
}

.business-overhead-benefits,
.business-overhead-expenses,
.business-overhead-comparison,
.business-overhead-additional,
.business-overhead-audience {
  padding: 88px 0;
  border-bottom: 1px solid var(--line);
}

.business-overhead-benefits {
  background: radial-gradient(ellipse at 85% 15%, rgba(0, 116, 179, .25), transparent 42%), #000b18;
}

.business-overhead-cards {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  border-top: 1px solid rgba(52, 209, 249, .55);
}

.business-overhead-cards article {
  min-height: 270px;
  padding: 28px 26px 20px;
  border-right: 1px solid rgba(52, 209, 249, .45);
}

.business-overhead-cards article:first-child {
  padding-left: 0;
}

.business-overhead-cards article:last-child {
  border-right: 0;
}

.business-overhead-cards strong,
.business-overhead-number {
  display: block;
  color: var(--accent);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 43px;
  line-height: 1;
}

.business-overhead-cards h3,
.business-overhead-expense-grid h3,
.business-overhead-audience-list h3 {
  margin: 22px 0 12px;
  font-size: 26px;
  line-height: 1.05;
}

.business-overhead-cards p {
  margin: 0;
}

.business-overhead-expenses {
  background: url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/What-Expenses-Can-Be-Covered-background.jpg);
	
}

.business-overhead-expense-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.business-overhead-expense-grid article {
  min-height: 220px;
  padding: 30px;
  border: 1px solid rgba(52, 209, 249, .28);
  border-radius: 12px;
  background: linear-gradient(145deg, rgba(6, 49, 77, .65), rgba(1, 15, 28, .78));
  transition: transform .25s ease, border-color .25s ease;
}

.business-overhead-expense-grid article:hover {
  transform: translateY(-5px);
  border-color: var(--accent);
}

.business-overhead-expense-grid h3 {
  margin-top: 17px;
}

.business-overhead-expense-grid p {
  margin: 0;
  color: var(--muted);
  line-height: 1.42;
}

.business-overhead-note {

  margin: 28px 0 0;
  padding: 17px 20px;
  border-left: 3px solid var(--accent);
  color: var(--muted);
  background: linear-gradient(145deg, rgba(6, 49, 77, .85), rgba(1, 15, 28, .88));
}

.business-overhead-note strong {
  color: #fff;
}

.business-overhead-comparison {
  background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Business-Overhead-Expense-vs-Disability-Income-Insurance.jpg') center / cover no-repeat;
}

.business-overhead-comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}

.business-overhead-comparison-grid article {
  padding: 38px;
  border-radius: 16px;
  border: 1px solid rgba(52, 209, 249, .34);
  background: linear-gradient(135deg, rgba(0, 73, 117, .56), rgba(0, 15, 30, .9));
}

.business-overhead-comparison-grid article+article {
  background: linear-gradient(135deg, rgba(13, 39, 68, .68), rgba(0, 12, 25, .92));
}

.business-overhead-comparison-grid h3 {
  margin: 0 0 17px;
  color: var(--accent);
  font-size: 30px;
}

.business-overhead-comparison-grid p,
.business-overhead-comparison-grid li {
  color: var(--muted);
  font-size: 17px;
  line-height: 1.45;
}

.business-overhead-comparison-grid ul {
  display: grid;
  gap: 9px;
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.business-overhead-comparison-grid li {
  position: relative;
  padding-left: 35px;
}

.business-overhead-comparison-grid li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 700;
  display: grid;
  place-items: center;
  width: 23px;
  height: 23px;
  border: 2px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font: 700 15px Arial, sans-serif;
}

.business-overhead-comparison-note {
  margin: 26px 0 0;
  color: var(--accent);
  font-size: 19px;
}

.business-overhead-additional {
background: linear-gradient(90deg, rgba(0, 14, 22, .70) 0%, rgba(0, 22, 36, .78) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Additional-Protection-Without-Reducing-Personal-Disability-Benefits.jpeg) center / cover no-repeat;
}
}

.business-overhead-additional-grid {
  
	
  align-items: start;
}

.business-overhead-additional article {
  padding: 30px 0 0 34px;
 
	
}

.business-overhead-additional article p {
  margin: 0 0 20px;
}

.business-overhead-audience {
  background: linear-gradient(120deg, #000914, #00192e);
}

.business-overhead-audience-list {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(52, 209, 249, .42);
  border: 1px solid rgba(52, 209, 249, .42);
}

.business-overhead-audience-list article {
  padding: 30px 26px;
  min-height: 230px;
  background: #00101f;
}

.business-overhead-audience-list span {
  color: var(--accent);
  font-weight: 700;
  font-size: 18px;
}

.business-overhead-audience-list p {
  margin: 0;
}

/* Key person protector page */
.key-person-page {
  overflow: hidden;
}

.key-person-page .business-overhead-hero-copy {
  max-width: 660px;
}

.key-person-page .business-overhead-hero p {
  max-width: 570px;
}

.key-person-page article p,
.key-person-page .key-person-section-heading>p,
.key-person-page .key-person-process-content p,
.key-person-page .key-person-audience-note {
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.45;
}

.key-person-benefits,
.key-person-coverage,
.key-person-process,
.key-person-audience {
  padding: 88px 0;
  border-bottom: 1px solid var(--line);
}

.key-person-benefits {
  background: radial-gradient(ellipse at 88% 12%, rgba(0, 116, 179, .28), transparent 43%), #000b18;
}

.key-person-coverage {
  background: url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Key-Person-Insurance-Coverage-Options.jpg);
}

.key-person-process {
 
background:linear-gradient(90deg, rgba(0, 14, 22, .70) 0%, rgba(0, 22, 36, .60) 52%, rgba(0, 24, 42, .5) 80%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/How-Does-Key-Person-Insurance-Work.jpeg) center / cover no-repeat;
}

.key-person-audience {
  background: linear-gradient(120deg, #000914, #00192e);
}

.key-person-section-heading {
  max-width: 770px;
  margin-bottom: 42px;
}

.key-person-section-heading h2 {
  font-size: clamp(42px, 3.2vw, 66px);
  line-height: 1.06;
}

.key-person-section-heading>p {
  margin: 18px 0 0;
  font-size: 19px;
}

.key-person-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  counter-reset: key-benefit;
}

.key-person-benefit-item {
  min-height: 225px;
  padding: 29px;
  border: 1px solid rgba(52, 209, 249, .32);
  border-radius: 13px;
  background: linear-gradient(145deg, rgba(6, 49, 77, .6), rgba(1, 15, 28, .82));
  transition: transform .25s ease, border-color .25s ease;
}

.key-person-benefit-item::before {
  content: counter(key-benefit, decimal-leading-zero);
  counter-increment: key-benefit;
  display: block;
  color: var(--accent);
  font: 600 38px/1 "Barlow Condensed", sans-serif;
}

.key-person-benefit-item:hover,
.key-person-coverage-item:hover {
  transform: translateY(-5px);
  border-color: var(--accent);
}

.key-person-benefit-item h3,
.key-person-coverage-item h3,
.key-person-audience-item h3 {
  margin: 19px 0 12px;
  font-size: 26px;
  line-height: 1.05;
}

.key-person-benefit-item p,
.key-person-coverage-item p,
.key-person-audience-item p {
  margin: 0;
}

.key-person-coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.key-person-coverage-item {
  min-height: 250px;
  padding: 34px;
  border: 1px solid rgba(52, 209, 249, .34);
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(0, 73, 117, .56), rgba(0, 15, 30, .9));
  transition: transform .25s ease, border-color .25s ease;
}

.key-person-coverage-item:nth-child(2) {
  background: linear-gradient(135deg, rgba(13, 39, 68, .68), rgba(0, 12, 25, .92));
}

.key-person-coverage-item h3 {
  margin-top: 0;
  color: var(--accent);
  font-size: 30px;
}

.key-person-process-content {

 
  
	
}

.key-person-process-content p {
  margin: 0 0 20px;
}

.key-person-process-content p:last-child {
  margin-bottom: 0;
}

.key-person-audience-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1px;
  border: 1px solid rgba(52, 209, 249, .42);
  background: rgba(52, 209, 249, .42);
}

.key-person-audience-item {
  min-height: 235px;
  padding: 30px 25px;
  background: #00101f;
}

.key-person-audience-item h3 {
  color: var(--accent);
}

.key-person-audience-note {
  max-width: 920px;
  margin: 28px 0 0;
  padding: 17px 20px;
  border-left: 3px solid var(--accent);
  background: rgba(52, 209, 249, .07);
}

@media (max-width: 991px) {

  .key-person-benefits,
  .key-person-coverage,
  .key-person-process,
  .key-person-audience {
    padding: 65px 0;
  }

  .key-person-benefits-grid,
  .key-person-coverage-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .key-person-audience-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 575px) {

  .key-person-benefits,
  .key-person-coverage,
  .key-person-process,
  .key-person-audience {
    padding: 44px 0;
  }

  .key-person-section-heading {
    margin-bottom: 30px;
  }

  .key-person-section-heading h2 {
    font-size: 39px;
  }

  .key-person-section-heading>p,
  .key-person-page article p,
  .key-person-process-content p,
  .key-person-audience-note {
    font-size: 18px;
  }

  .key-person-benefits-grid,
  .key-person-coverage-grid,
  .key-person-audience-grid {
    grid-template-columns: 1fr;
  }

  .key-person-benefit-item,
  .key-person-coverage-item,
  .key-person-audience-item {
    min-height: 0;
    padding: 26px 24px;
  }

  .key-person-process-content {
    padding: 8px 0 8px 22px;
  }
}

/* Disability Buy & Sell page */
.disability-sell-page .business-overhead-hero-copy {
  max-width: 650px;
}

.disability-sell-page .business-overhead-hero h1 {
  max-width: 570px;
}

.disability-sell-page .business-overhead-hero p {
  max-width: 570px;
}

.disability-sell-content {
  overflow: hidden;
}

.disability-sell-page .business-overhead-benefits,
.disability-sell-page .business-overhead-process,
.disability-sell-page .business-overhead-comparison,
.disability-sell-page .business-overhead-audience,
.disability-sell-page .business-overhead-agreement {
  padding: 88px 0;
  border-bottom: 1px solid var(--line);
}

.disability-sell-page .business-overhead-benefits {
  background: radial-gradient(ellipse at 88% 12%, rgba(0, 116, 179, .28), transparent 43%), #000b18;
}

.disability-sell-page .business-overhead-process {
  background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/How-Does-Disability-Buy-Sell-Insurance-Work.jpg') center / cover no-repeat;}

.disability-sell-page .business-overhead-comparison {
  background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Disability-Buy-Sell-vs-Disability-Income-Insurance.jpg') center / cover no-repeat;}

.disability-sell-page .business-overhead-audience {
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Who-Should-Consider-Disability-Buy-Sell-Insurance.jpg) center / cover no-repeat;}

.disability-sell-page .business-overhead-agreement {
  background: radial-gradient(ellipse at 82% 50%, rgba(0, 102, 166, .32), transparent 46%), #000b18;
}

.disability-sell-page .business-overhead-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.disability-sell-page .business-overhead-benefit-item {
  min-height: 220px;
  padding: 29px;
  border: 1px solid rgba(52, 209, 249, .32);
  border-radius: 13px;
  background: linear-gradient(145deg, rgba(6, 49, 77, .6), rgba(1, 15, 28, .82));
}

.disability-sell-page .business-overhead-benefit-item::before {
  content: counter(disability-benefit, decimal-leading-zero);
  counter-increment: disability-benefit;
  display: block;
  color: var(--accent);
  font: 600 38px/1 "Barlow Condensed", sans-serif;
}

.disability-sell-page .business-overhead-benefits-grid {
  counter-reset: disability-benefit;
}

.disability-sell-page .business-overhead-benefit-item h3,
.disability-sell-page .business-overhead-process-item h3,
.disability-sell-page .business-overhead-audience-item h3 {
  margin: 19px 0 12px;
  font-size: 26px;
  line-height: 1.05;
}

.disability-sell-page .business-overhead-benefit-item p,
.disability-sell-page .business-overhead-audience-item p {
  margin: 0;
}

.disability-sell-page .business-overhead-process-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  border: 1px solid rgba(52, 209, 249, .42);
  background: rgba(52, 209, 249, .42);
}

.disability-sell-page .business-overhead-process-item {
  display: grid;
  grid-template-columns: 62px 1fr;
  gap: 19px;
  min-height: 190px;
  padding: 31px;
  background: #00101f;
}

.disability-sell-page .business-overhead-process-item strong {
  color: var(--accent);
  font: 600 38px/1 "Barlow Condensed", sans-serif;
}

.disability-sell-page .business-overhead-process-item h3 {
  margin-top: 2px;
}

.disability-sell-page .business-overhead-process-item p {
  margin: 0;
}

.disability-sell-page .business-overhead-process-note {

  margin: 27px 0 0;
  padding: 17px 20px;
  border-left: 3px solid var(--accent);
  color: var(--muted);
  background: rgba(52, 209, 249, .67);
}

.disability-sell-page .business-overhead-comparison-grid {
  margin-bottom: 24px;
}

.disability-sell-page .business-overhead-comparison-item {
  min-height: 220px;
  padding: 38px;
  border: 1px solid rgba(52, 209, 249, .34);
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(0, 73, 117, .56), rgba(0, 15, 30, .9));
}

.disability-sell-page .business-overhead-comparison-item+.business-overhead-comparison-item {
  background: linear-gradient(135deg, rgba(13, 39, 68, .68), rgba(0, 12, 25, .92));
}

.disability-sell-page .business-overhead-comparison-item h3 {
  margin: 0 0 17px;
  color: var(--accent);
  font-size: 30px;
}

.disability-sell-page .business-overhead-comparison-item p,
.disability-sell-page .business-overhead-comparison-grid+p {
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.45;
}

.disability-sell-page .business-overhead-audience-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  border: 1px solid rgba(52, 209, 249, .42);
  background: rgba(52, 209, 249, .42);
}

.disability-sell-page .business-overhead-audience-item {
  min-height: 220px;
  padding: 30px 26px;
  background: #00101f;
}

.disability-sell-page .business-overhead-audience-item h3 {
  color: var(--accent);
}

.disability-sell-page .business-overhead-agreement-grid {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  gap: clamp(45px, 8vw, 130px);
}

.disability-sell-page .business-overhead-agreement h2 {
  font-size: clamp(42px, 3.2vw, 66px);
  line-height: 1.06;
}

.disability-sell-page .business-overhead-agreement-grid>div:last-child {
  padding: 4px 0 0 34px;
  border-left: 1px solid var(--accent);
}

.disability-sell-page .business-overhead-agreement p {
  margin: 0 0 20px;
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.45;
}

.disability-sell-page .business-overhead-agreement p:last-child {
  margin-bottom: 0;
}

@media (max-width: 991px) {

  .business-overhead-benefits,
  .business-overhead-expenses,
  .business-overhead-comparison,
  .business-overhead-additional,
  .business-overhead-audience {
    padding: 65px 0;
  }

  .business-overhead-cards {
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    background: rgba(52, 209, 249, .45);
  }

  .business-overhead-cards article,
  .business-overhead-cards article:first-child {
    min-height: 230px;
    padding: 25px;
    border: 0;
    background: #00101f;
  }

  .business-overhead-expense-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .business-overhead-audience-list {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 575px) {
  .business-overhead-section-heading {
    margin-bottom: 30px;
  }

  .business-overhead-section-heading h2,
  .business-overhead-additional h2 {
    font-size: 39px;
  }

  .business-overhead-section-heading>p {
    font-size: 18px;
  }

  .business-overhead-benefits,
  .business-overhead-expenses,
  .business-overhead-comparison,
  .business-overhead-additional,
  .business-overhead-audience {
    padding: 44px 0;
  }

  .business-overhead-cards,
  .business-overhead-expense-grid,
  .business-overhead-comparison-grid,
  .business-overhead-additional-grid,
  .business-overhead-audience-list {
    grid-template-columns: 1fr;
  }

  .business-overhead-cards article {
    min-height: 0;
  }

  .business-overhead-expense-grid article {
    min-height: 0;
    padding: 25px;
  }

  .business-overhead-comparison-grid article {
    padding: 28px 24px;
  }

  .business-overhead-additional article {
    padding: 25px 0 0 22px;
  }

  .business-overhead-audience-list article {
    min-height: 0;
  }
}

/* Business loan protector page */
.business-loan-page {
  background: #000914;
}

.business-loan-page h1,
.business-loan-page h2 {
  margin: 0;
}

.business-loan-page h1 span,
.business-loan-page h2 span {
  color: var(--accent);
}

.business-loan-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.business-loan-hero-copy {
  max-width: 560px;
}

.business-loan-hero h1 {
  font-size: clamp(50px, 4vw, 78px);
}

.business-loan-hero p,
.business-loan-page p {
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.38;
}

.business-loan-hero p {
  max-width: 510px;
  margin: 18px 0 0;
  font-size: 25px;
  line-height: 1.25;
}

.business-loan-hero .business-loan-eyebrow {
  margin: 0 0 14px;
  color: var(--accent);
  font-size: 17px;
  font-weight: 700;
  letter-spacing: .11em;
  text-transform: uppercase;
}

.business-loan-intro {
  padding: 53px 0;
  border-bottom: 1px solid var(--line);
  background: radial-gradient(ellipse at 72% 60%, rgba(0, 104, 171, .42), transparent 45%), linear-gradient(112deg, #00050d, #00213d 58%, #001020);
}

.business-loan-intro h2,
.business-loan-coverage h2,
.business-loan-types h2 {
  font-size: clamp(42px, 3.0vw, 67px);
  line-height: 1.08;
}

.business-loan-intro>.container>div {
  /* display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px; */
  margin-top: 26px;
}

.business-loan-intro p {
  margin: 0;
}

.business-loan-intro p+p {
  /* padding-left: 32px;
  border-left: 1px solid var(--accent); */
}

.business-loan-coverage {
  min-height: 360px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background-position: left center;
  background-size: cover;
}

.business-loan-coverage-copy {
  width: 59%;
  margin-left: auto;
}

.business-loan-coverage h2 {
  margin-bottom: 21px;
}

.business-loan-coverage p {
  margin: 0 0 19px;
}

.business-loan-benefits {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px 42px;
  margin: 28px 0 0;
  padding: 0;
  list-style: none;
}

.business-loan-benefits li {
  display: grid;
  gap: 5px;
}

.business-loan-benefits strong {
  color: var(--accent);
  font-size: 20px;
}

.business-loan-benefits span {
  color: var(--muted);
  font-size: 17px;
  line-height: 1.38;
}

.business-loan-types {
  padding: 54px 0 60px;
  border-bottom: 1px solid var(--line);
  background-position: center;
  background-size: cover;
}

.business-loan-types>.container>p {
  margin: 22px 0 45px;
}

.business-loan-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.business-loan-cards article {
  min-height: 260px;
  padding: 0 45px;
  border-left: 1px solid rgba(52, 209, 249, .65);
  margin-bottom: 30px;
}

.business-loan-cards article:first-child {
  padding-left: 0;
  border: 0;
}

.business-loan-cards strong {
  display: block;
  margin-bottom: 22px;
  color: var(--accent);
  font-size: 42px;
  line-height: 1;
}

.business-loan-cards h3 {
  margin: 0 0 19px;
  font-size: 29px;
  line-height: 1.03;
}

.business-loan-cards p {
  margin: 0;
}

.business-loan-cards em {
  color: var(--accent);
  font-style: normal;
}

.business-loan-ownership {
  padding: 60px 0;
 background: linear-gradient(90deg, rgba(0, 14, 22, .70) 0%, rgba(0, 22, 36, .58) 52%, rgba(0, 24, 42, .5) 100%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Personally-Owned-Coverage-vs-Lender-Offered-Insurancebackground.jpg) center / cover no-repeat;
}

.business-loan-ownership h2 {
  font-size: clamp(38px, 3vw, 62px);
  line-height: 1.08;
}

.business-loan-ownership-copy {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  margin-top: 28px;
}

.business-loan-ownership-copy p {
  margin: 0;
}

.business-loan-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 36px;
  margin-top: 54px;
  padding: 38px 42px;
  border: 1px solid rgba(52, 209, 249, .55);
  background: linear-gradient(115deg, rgba(0, 54, 90, .78), rgba(0, 18, 38, .92));
}

.business-loan-cta h2 {
  font-size: clamp(30px, 2.3vw, 45px);
}

.business-loan-cta p {
  max-width: 760px;
  margin: 14px 0 0;
}

.business-loan-cta .pill-btn {
  flex: 0 0 auto;
  white-space: nowrap;
}

@media (max-width: 991px) {
  .business-loan-hero {
    min-height: 410px;
    background-position: 60% center;
  }

  .business-loan-hero p {
    font-size: 21px;
  }

  .business-loan-page p {
    font-size: 18px;
  }

  .business-loan-intro>.container>div {
    gap: 35px;
  }

  .business-loan-cards article {
    padding-inline: 25px;
  }

  .business-loan-cta {
    padding: 32px;
  }
}

@media (max-width: 575px) {
  .business-loan-hero {
    min-height: 390px;
    align-items: flex-end;
    padding-bottom: 42px;
    background-position: 48% center;
  }

  .business-loan-hero-copy {
    max-width: 305px;
  }

  .business-loan-hero h1 {
    font-size: 45px;
  }

  .business-loan-hero p,
  .business-loan-page p {
    font-size: 18px;
  }

  .business-loan-intro,
  .business-loan-types {
    padding: 42px 0;
  }

  .business-loan-intro h2,
  .business-loan-coverage h2,
  .business-loan-types h2 {
    font-size: 39px;
  }

  .business-loan-intro h2 br,
  .business-loan-types h2 br {
    display: none;
  }

  .business-loan-intro>.container>div {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .business-loan-benefits,
  .business-loan-ownership-copy {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .business-loan-intro p+p {
    padding: 22px 0 0;
    border: 0;
    border-top: 1px solid var(--accent);
  }

  .business-loan-coverage {
    min-height: 500px;
    padding: 42px 0;
    background-position: 20% center;
  }

  .business-loan-coverage-copy {
    width: 100%;
    padding: 24px;
    background: rgba(0, 10, 22, .76);
  }

  .business-loan-types>.container>p {
    margin: 20px 0 32px;
  }

  .business-loan-cards {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .business-loan-ownership {
    padding: 42px 0;
  }

  .business-loan-cta {
    display: block;
    margin-top: 38px;
    padding: 27px 24px;
  }

  .business-loan-cta .pill-btn {
    display: inline-flex;
    margin-top: 24px;
  }

  .business-loan-cards article {
    min-height: 0;
    padding: 0 0 27px;
    border: 0;
    border-bottom: 1px solid rgba(52, 209, 249, .65);
  }

  .business-loan-cards article:last-child {
    padding-bottom: 0;
    border: 0;
  }
}

@media (max-width: 991px) {

  .disability-sell-page .business-overhead-benefits,
  .disability-sell-page .business-overhead-process,
  .disability-sell-page .business-overhead-comparison,
  .disability-sell-page .business-overhead-audience,
  .disability-sell-page .business-overhead-agreement {
    padding: 65px 0;
  }

  .disability-sell-page .business-overhead-benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .disability-sell-page .business-overhead-audience-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .disability-sell-page .business-overhead-agreement-grid {
    gap: 50px;
  }
}

@media (max-width: 575px) {

  .disability-sell-page .business-overhead-benefits,
  .disability-sell-page .business-overhead-process,
  .disability-sell-page .business-overhead-comparison,
  .disability-sell-page .business-overhead-audience,
  .disability-sell-page .business-overhead-agreement {
    padding: 44px 0;
  }

  .disability-sell-page .business-overhead-benefits-grid,
  .disability-sell-page .business-overhead-process-list,
  .disability-sell-page .business-overhead-audience-grid,
  .disability-sell-page .business-overhead-agreement-grid {
    grid-template-columns: 1fr;
  }

  .disability-sell-page .business-overhead-benefit-item,
  .disability-sell-page .business-overhead-audience-item {
    min-height: 0;
    padding: 25px;
  }

  .disability-sell-page .business-overhead-process-item {
    min-height: 0;
    padding: 26px 23px;
  }

  .disability-sell-page .business-overhead-comparison-item {
    min-height: 0;
    padding: 28px 24px;
  }

  .disability-sell-page .business-overhead-agreement h2 {
    font-size: 39px;
  }

  .disability-sell-page .business-overhead-agreement-grid>div:last-child {
    padding: 24px 0 0 22px;
  }
}

/* Disability Income Protection: extended content */
.disability-page .disability-coverage,
.disability-page .disability-business,
.disability-page .disability-existing {
  padding: 82px 0;
  border-bottom: 1px solid var(--line);
}

.disability-page .disability-coverage {
  background: radial-gradient(ellipse at 85% 28%, rgba(0, 110, 177, .28), transparent 44%), linear-gradient(118deg, #000811, #001a30 58%, #000b18);
}

.disability-page .disability-business {
 background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/11/disable.jpeg) center / cover no-repeat;}
}

.disability-page .disability-existing {
  background: radial-gradient(ellipse at 15% 40%, rgba(0, 108, 177, .3), transparent 42%), #001323;
}

.disability-page .disability-coverage-heading,
.disability-page .disability-business-heading {
  max-width: 830px;
  margin-bottom: 42px;
}

.disability-page .disability-coverage h2,
.disability-page .disability-business h2,
.disability-page .disability-existing h2 {
  margin: 0;
  font-size: clamp(42px, 3.2vw, 67px);
  line-height: 1.06;
}

.disability-page .disability-coverage-heading p,
.disability-page .disability-business-heading p,
.disability-page .disability-existing p {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 19px;
  font-weight: 500;
  line-height: 1.45;
}

.disability-page .disability-coverage-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.disability-page .disability-coverage-item {
  min-height: 230px;
  padding: 31px;
  border: 1px solid rgba(52, 209, 249, .35);
  border-radius: 15px;
  background: linear-gradient(145deg, rgba(2, 58, 92, .61), rgba(0, 14, 29, .86));
}

.disability-page .disability-coverage-item h3,
.disability-page .disability-business-item h3 {
  margin: 0 0 16px;
  color: var(--accent);
  font-size: 28px;
  line-height: 1.05;
}

.disability-page .disability-coverage-item p,
.disability-page .disability-business-item p {
  margin: 0 0 15px;
  color: var(--muted);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.4;
}

.disability-page .disability-coverage-item p:last-child,
.disability-page .disability-business-item p:last-of-type {
  margin-bottom: 0;
}

.disability-page .disability-business-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  border: 1px solid rgba(52, 209, 249, .42);
  background: rgba(52, 209, 249, .42);
}

.disability-page .disability-business-item {
  display: flex;
  flex-direction: column;
  min-height: 260px;
  padding: 33px 30px;
  background: #00101f;
}

.disability-page .disability-business-item h3::before {
  content: "";
  display: block;
  width: 35px;
  height: 2px;
  margin-bottom: 19px;
  background: var(--accent);
}

.disability-page .disability-business-item a {
  margin-top: auto;
  color: var(--accent);
  font-size: 17px;
  font-weight: 700;
  text-decoration: none;
}

.disability-page .disability-business-item a:hover,
.disability-page .disability-business-item a:focus-visible {
  color: #fff;
  text-decoration: underline;
}

.disability-page .disability-existing-grid {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  gap: clamp(45px, 8vw, 130px);
  align-items: start;
}

.disability-page .disability-existing-grid>div:last-child {
  padding: 4px 0 0 34px;
  border-left: 1px solid var(--accent);
}

.disability-page .disability-existing p:first-child {
  margin-top: 0;
}

@media (max-width: 991px) {

  .disability-page .disability-coverage,
  .disability-page .disability-business,
  .disability-page .disability-existing {
    padding: 64px 0;
  }

  .disability-page .disability-business-grid {
    grid-template-columns: 1fr;
  }

  .disability-page .disability-business-item {
    min-height: 0;
  }

  .disability-page .disability-existing-grid {
    gap: 48px;
  }
}

@media (max-width: 575px) {

  .disability-page .disability-coverage,
  .disability-page .disability-business,
  .disability-page .disability-existing {
    padding: 44px 0;
  }

  .disability-page .disability-coverage-heading,
  .disability-page .disability-business-heading {
    margin-bottom: 30px;
  }

  .disability-page .disability-coverage h2,
  .disability-page .disability-business h2,
  .disability-page .disability-existing h2 {
    font-size: 39px;
  }

  .disability-page .disability-coverage-heading p,
  .disability-page .disability-business-heading p,
  .disability-page .disability-existing p {
    font-size: 18px;
  }

  .disability-page .disability-coverage-grid,
  .disability-page .disability-existing-grid {
    grid-template-columns: 1fr;
  }

  .disability-page .disability-coverage-item {
    min-height: 0;
    padding: 26px 23px;
  }

  .disability-page .disability-coverage-item h3,
  .disability-page .disability-business-item h3 {
    font-size: 25px;
  }

  .disability-page .disability-business-item {
    padding: 27px 23px;
  }

  .disability-page .disability-existing-grid {
    gap: 28px;
  }

  .disability-page .disability-existing-grid>div:last-child {
    padding: 24px 0 0 22px;
  }
}

/* Group Insurance: extended content */
.group-page .group-coverage,
.group-page .group-benefits,
.group-page .group-plan {
  padding: 82px 0;
  border-bottom: 1px solid var(--line);
}

.group-page .group-coverage {
  background: radial-gradient(ellipse at 84% 22%, rgba(0, 113, 180, .3), transparent 43%), linear-gradient(118deg, #000811, #001b31 58%, #000b18);
}

.group-page .group-benefits {
  background: #000a15;
}

.group-page .group-plan {
background: linear-gradient(90deg, rgba(0, 14, 22, .45) 0%, rgba(0, 22, 36, .38) 52%, rgba(0, 24, 42, .5) 80%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Finding-the-Right-Group-Benefits-Plan.jpg) center / cover no-repeat;}

.group-page .group-section-heading {
  max-width: 850px;
  margin-bottom: 43px;
}

.group-page .group-section-heading h2,
.group-page .group-plan h2 {
  margin: 0;
  font-size: clamp(42px, 3.2vw, 67px);
  line-height: 1.06;
}

.group-page .group-section-heading p,
.group-page .group-plan p {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 19px;
  font-weight: 500;
  line-height: 1.45;
}

.group-page .group-coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 17px;
}

.group-page .group-coverage-item {
  min-height: 225px;
  padding: 29px;
  border: 1px solid rgba(52, 209, 249, .33);
  border-radius: 14px;
  background: linear-gradient(145deg, rgba(3, 57, 91, .64), rgba(0, 14, 29, .85));
}

.group-page .group-coverage-item::before {
  content: counter(group-coverage, decimal-leading-zero);
  counter-increment: group-coverage;
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font: 600 38px/1 "Barlow Condensed", sans-serif;
}

.group-page .group-coverage-grid {
  counter-reset: group-coverage;
}

.group-page .group-coverage-item h3 {
  margin: 0 0 12px;
  color: var(--accent);
  font-size: 26px;
  line-height: 1.05;
}

.group-page .group-coverage-item p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  font-weight: 500;
  line-height: 1.42;
}

.group-page .group-benefits-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  margin: 0;
  padding: 1px;
  list-style: none;
  background: rgba(52, 209, 249, .43);
}

.group-page .group-benefits-list li {
  position: relative;
  min-height: 142px;
  padding: 28px 30px 28px 64px;
  color: var(--muted);
  background: #00101f;
  font-size: 18px;
  font-weight: 500;
  line-height: 1.4;
}

.group-page .group-benefits-list li::before {
  content: "\2713";
  position: absolute;
  top: 30px;
  left: 28px;
  display: grid;
  width: 22px;
  height: 22px;
  place-items: center;
  border: 2px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font: 700 13px Arial, sans-serif;
}

.group-page .group-benefits-list strong {
  color: #fff;
}

.group-page .group-plan-content {

  padding: 42px 48px;
  border-left: 3px solid var(--accent);
  background: linear-gradient(100deg, rgba(0, 48, 80, .84), rgba(0, 15, 30, .58));
}

.group-page .group-plan p {
  
}

@media (max-width: 991px) {

  .group-page .group-coverage,
  .group-page .group-benefits,
  .group-page .group-plan {
    padding: 64px 0;
  }

  .group-page .group-coverage-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 575px) {

  .group-page .group-coverage,
  .group-page .group-benefits,
  .group-page .group-plan {
    padding: 44px 0;
  }

  .group-page .group-section-heading {
    margin-bottom: 30px;
  }

  .group-page .group-section-heading h2,
  .group-page .group-plan h2 {
    font-size: 39px;
  }

  .group-page .group-section-heading p,
  .group-page .group-plan p {
    font-size: 18px;
  }

  .group-page .group-coverage-grid,
  .group-page .group-benefits-list {
    grid-template-columns: 1fr;
  }

  .group-page .group-coverage-item {
    min-height: 0;
    padding: 25px 23px;
  }

  .group-page .group-coverage-item h3 {
    font-size: 25px;
  }

  .group-page .group-benefits-list li {
    min-height: 0;
    padding: 25px 23px 25px 58px;
    font-size: 17px;
  }

  .group-page .group-benefits-list li::before {
    top: 27px;
    left: 22px;
  }

  .group-page .group-plan-content {
    padding: 28px 24px;
  }
}

.business-loan-cards-two {
  display: grid;
  grid-template-columns: repeat(2, 1fr) !important;
}

@media (max-width: 575px) {
  .business-loan-cards-two {
    display: grid;
    grid-template-columns: repeat(1, 1fr) !important;
  }
}

.critical-cta-btn {
  display: inline-block;
  padding: 14px 32px;
  background: var(--accent);
  color: #ffffff;
  font-size: 16px;
  font-weight: 600;
  text-decoration: none;
  border: 2px solid var(--accent);
  border-radius: 5px;
  transition: all 0.3s ease;
  cursor: pointer;
}

.critical-cta-btn:hover {
  background: transparent;
  color: #fff;
  border-color: var(--accent);
  transform: translateY(-3px);
  box-shadow: 0 6px 18px rgba(241, 101, 41, 0.2);
}

.critical-cta-btn:focus {
  outline: 2px solid var(--accent);
  outline-offset: 4px;
}

@media (max-width: 576px) {
  .critical-cta-btn {
    padding: 12px 24px;
    font-size: 15px;
  }
}

/* Universal life insurance page: expanded content */
.universal-page {
  overflow: hidden;
}

.universal-hero {
  position: relative;
  isolation: isolate;
}

.universal-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(0, 7, 15, .85), rgba(0, 7, 15, .48) 42%, rgba(0, 7, 15, .06) 76%);
}

.universal-intro,
.universal-benefits,
.universal-how-it-works,
.universal-cash-value,
.universal-business,
.universal-suitability {
  padding: 86px 0;
  border-bottom: 1px solid var(--line);
}

.universal-intro {
  background: radial-gradient(ellipse at 78% 46%, rgba(0, 98, 157, .41), transparent 45%), linear-gradient(110deg, #00040c, #00182d 62%, #000914);
}

.universal-intro h2,
.universal-benefits h2,
.universal-how-it-works h2,
.universal-cash-value h2,
.universal-business h2,
.universal-suitability h2 {
  font-size: clamp(40px, 3.15vw, 66px);
  line-height: 1.1;
  margin-bottom: 20px;
}

.universal-intro p,
.universal-why p,
.universal-benefits>.container>p,
.universal-how-it-works>.container>p,
.universal-cash-value>.container>p,
.universal-business>.container>p,
.universal-suitability p {

  color: var(--muted);
  font-size: 20px;
  line-height: 1.45;
}

.universal-why {
  min-height: 580px;
  position: relative;
  isolation: isolate;
}

.universal-why::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(0, 8, 16, .08), rgba(0, 8, 16, .62) 42%, rgba(0, 8, 16, .89));
}

.universal-why-copy {
  width: min(58%, 790px);
  padding: 42px;
  border: 1px solid rgba(52, 209, 249, .24);
  border-radius: 18px;
  background: rgba(0, 13, 25, .71);
  box-shadow: 0 18px 42px rgba(0, 0, 0, .2);
}

.universal-why p+p {
  margin-top: 15px;
}

.universal-benefits {
  min-height: 0;
  background-color: #000b16;
  background-position: center;
  background-size: cover;
}

.universal-benefits ul {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin: 36px 0 0;
}

.universal-benefits li {
  min-height: 124px;
  padding: 24px 24px 24px 58px;
  border: 1px solid rgba(52, 209, 249, .25);
  border-radius: 13px;
  background: rgba(0, 17, 31, .82);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .035);
  transition: transform .25s ease, border-color .25s ease;
}

.universal-benefits li:hover {
  transform: translateY(-4px);
  border-color: rgba(52, 209, 249, .72);
}

.universal-benefits li::before {
  content: '\2713';
  top: 24px;
  left: 23px;
}

.universal-benefits li strong {
  color: #fff;
}

.universal-how-it-works {
 background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/how-does.jpg') center / cover no-repeat;}

.universal-process,
.universal-access-options,
.universal-business-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 40px;
}

.universal-process article,
.universal-access-options article,
.universal-business-grid article {
  min-height: 225px;
  padding: 30px;
  border: 1px solid rgba(52, 209, 249, .27);
  border-radius: 15px;
  background: linear-gradient(145deg, rgba(7, 42, 64, .9), rgba(1, 14, 25, .95));
}

.universal-process span {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font-size: 42px;
  font-weight: 600;
  line-height: 1;
}

.universal-process h3,
.universal-access-options h3,
.universal-business-grid h3 {
  margin: 0 0 14px;
  font-size: 28px;
  line-height: 1.1;
}

.universal-process p,
.universal-access-options p,
.universal-business-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.42;
}

.universal-cash-value {
background: linear-gradient(90deg, rgba(0, 14, 22, .65) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Accessing-Your-Investment-Value.webp) center / cover no-repeat;
}

.universal-access-options article {
  min-height: 190px;
}

.universal-cash-value-note,
.universal-business-note {
  
  margin: 28px 0 0;
  padding: 16px 20px;
  border-left: 3px solid var(--accent);
  color: var(--muted);
  font-size: 17px;
  line-height: 1.42;
  background: rgba(52, 209, 249, .08);
}

.universal-business {
 background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Universal-Life-Insurance-for-Business-Owners-bckground-image.jpg') center / cover no-repeat;}

.universal-business-grid {
  grid-template-columns: repeat(3, 1fr);
}

.universal-business-grid article {
  min-height: 212px;
}

.universal-suitability {
  background: radial-gradient(ellipse at 12% 50%, rgba(0, 101, 157, .32), transparent 43%), #000914;
}

.universal-suitability .container {
 
}

.universal-cta .business-overhead-cta-content {
  grid-column: 2;
}

.universal-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

.universal-cta p {
  max-width: 900px;
}

.universal-cta .business-overhead-cta-button {
  display: inline-flex;
  align-items: center;
}

@media (max-width: 991px) {

  .universal-intro,
  .universal-benefits,
  .universal-how-it-works,
  .universal-cash-value,
  .universal-business,
  .universal-suitability {
    padding: 64px 0;
  }

  .universal-why-copy {
    width: 68%;
  }

  .universal-process,
  .universal-access-options,
  .universal-business-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .universal-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .universal-intro,
  .universal-benefits,
  .universal-how-it-works,
  .universal-cash-value,
  .universal-business,
  .universal-suitability {
    padding: 48px 0;
  }

  .universal-intro h2,
  .universal-benefits h2,
  .universal-how-it-works h2,
  .universal-cash-value h2,
  .universal-business h2,
  .universal-suitability h2 {
    font-size: 39px;
  }

  .universal-intro p,
  .universal-why p,
  .universal-benefits>.container>p,
  .universal-how-it-works>.container>p,
  .universal-cash-value>.container>p,
  .universal-business>.container>p,
  .universal-suitability p {
    font-size: 18px;
  }

  .universal-why {
    min-height: 590px;
  }

  .universal-why-copy {
    width: 100%;
    padding: 28px 23px;
  }

  .universal-benefits ul,
  .universal-process,
  .universal-access-options,
  .universal-business-grid {
    grid-template-columns: 1fr;
    gap: 14px;
    margin-top: 30px;
  }

  .universal-benefits li {
    min-height: 0;
    padding: 20px 18px 20px 52px;
    font-size: 18px;
  }

  .universal-benefits li::before {
    top: 20px;
    left: 18px;
  }

  .universal-process article,
  .universal-access-options article,
  .universal-business-grid article {
    min-height: 0;
    padding: 25px;
  }

  .universal-cash-value-note,
  .universal-business-note {
    font-size: 16px;
  }
}

/* Visitors to Canada: expanded content */
.visitors-page {
  overflow: hidden;
}

.visitors-hero {
  position: relative;
  isolation: isolate;
}

.visitors-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(0, 7, 15, .87), rgba(0, 7, 15, .5) 42%, rgba(0, 7, 15, .08) 76%);
}

.visitors-content,
.visitors-super-visa {
  padding: 84px 0;
  border-bottom: 1px solid var(--line);
}

.visitors-content {
  background: radial-gradient(ellipse at 78% 54%, rgba(0, 104, 170, .38), transparent 45%), linear-gradient(112deg, #00050d, #00213d 58%, #001020);
}

.visitors-content h2,
.visitors-super-visa h2 {
  font-size: clamp(40px, 3.0vw, 66px);
  line-height: 1.1;
  margin-bottom: 15px;
}

.visitors-content>.container>p,
.visitors-super-visa p {

  color: var(--muted);
  font-size: 20px;
  line-height: 1.45;
}

.visitors-content>.container>p:not(.visitors-lead) {
  margin: 14px 0 0;
}

.visitors-lead {
  margin: 22px 0 14px;
  font-size: 22px;
}

.visitors-grid {
  gap: 20px;
  margin-top: 42px;
}

.visitors-grid article {
  padding: 34px;
  border: 1px solid rgba(52, 209, 249, .28);
  border-radius: 16px;
  background: linear-gradient(145deg, rgba(6, 43, 68, .88), rgba(1, 14, 26, .94));
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .035), 0 16px 34px rgba(0, 0, 0, .15);
}

.visitors-grid h3 {
  font-size: clamp(30px, 2.35vw, 46px);
}

.visitors-checklist {
  gap: 17px;
}

.visitors-checklist li {
  font-size: 18px;
  line-height: 1.4;
}

.visitors-checklist li::before {
  content: '\2713';
}

.visitors-checklist strong {
  color: #fff;
}

.visitors-canada-image {
  display: block;
  width: 100%;
  max-width: 400px;
  margin: 32px auto 0;
  border: 1px solid rgba(52, 209, 249, .46);
  border-radius: 14px;
}

.visitors-super-visa {
  background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Universal-Life-Insurance-for-Business-Owners-bckground-image.jpg') center / cover no-repeat;
}

.visitors-super-visa-content {

  padding: 48px 54px;

  background: linear-gradient(90deg, rgba(0, 45, 75, .47), rgba(0, 12, 23, .35));
}

.visitors-super-visa .visitors-checklist {
  margin: 30px 0;
}

.visitors-cta-button {
  min-height: 46px;
  padding-left: 25px;
  font-size: 17px;
}

.visitors-cta-button span {
  width: 31px;
  height: 31px;
  font-size: 17px;
}

.visitors-cta .business-overhead-cta-content {
  grid-column: 2;
}

.visitors-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

.visitors-cta p {
  max-width: 900px;
}

@media (max-width: 991px) {

  .visitors-content,
  .visitors-super-visa {
    padding: 64px 0;
  }

  .visitors-grid {
    gap: 16px;
  }

  .visitors-grid article {
    padding: 27px;
  }

  .visitors-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .visitors-content,
  .visitors-super-visa {
    padding: 48px 0;
  }

  .visitors-content h2,
  .visitors-super-visa h2 {
    font-size: 39px;
  }

  .visitors-content>.container>p,
  .visitors-super-visa p {
    font-size: 18px;
  }

  .visitors-lead {
    font-size: 19px;
  }

  .visitors-grid {
    grid-template-columns: 1fr;
    margin-top: 30px;
  }

  .visitors-grid article {
    padding: 25px 22px;
  }

  .visitors-grid h3 {
    font-size: 32px;
  }

  .visitors-checklist li {
    padding-left: 33px;
    font-size: 17px;
  }

  .visitors-super-visa-content {
    padding: 28px 0 28px 22px;
  }
}

/* Retirement planning: expanded content */
.retirement-page {
  overflow: hidden;
}

.retirement-page h1,
.retirement-page h2 {
  zoom: normal;
}

.retirement-hero {
  position: relative;
  isolation: isolate;
}

.retirement-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(0, 7, 15, .86), rgba(0, 7, 15, .5) 42%, rgba(0, 7, 15, .08) 76%);
}

.retirement-intro,
.retirement-benefits,
.retirement-strategies,
.retirement-income,
.retirement-tax-planning,
.retirement-protection {
  padding: 84px 0;
  border-bottom: 1px solid var(--line);
}

.retirement-intro {
  background: radial-gradient(ellipse at 78% 42%, rgba(0, 105, 171, .35), transparent 43%), linear-gradient(115deg, #000811, #001b31 60%, #000c18);
}

.retirement-intro-grid {
  display: grid;
  grid-template-columns: minmax(300px, .78fr) 1.22fr;
  gap: clamp(42px, 7vw, 105px);
  align-items: center;
}

.retirement-intro-image img {
  display: block;
  width: 100%;
  height: auto;
  max-width: 520px;
  aspect-ratio: 756 / 594;
  object-fit: contain;
  border: 1px solid rgba(52, 209, 249, .62);
  border-radius: 20px;
  box-shadow: 0 18px 42px rgba(0, 0, 0, .2);
}

.retirement-intro-content h2,
.retirement-section-heading h2,
.retirement-income h2,
.retirement-tax-planning h2,
.retirement-protection h2 {
  margin: 0;
  font-size: clamp(40px, 3.15vw, 66px);
  line-height: 1.1;
}

.retirement-intro-content p,
.retirement-section-heading p,
.retirement-income-content>p,
.retirement-tax-planning p,
.retirement-protection p {
  color: var(--muted);
  font-size: 20px;
  line-height: 1.45;
}

.retirement-intro-content p {
  margin: 18px 0 0;
}

.retirement-intro-content p strong {
  color: #fff;
}

.retirement-benefits {
  background-image: url("https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Key-Benefits-of-Retirement-Planning.jpg");
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.retirement-section-heading {

  margin-bottom: 40px;
}

.retirement-section-heading p {
  margin: 18px 0 0;
}

.retirement-benefits-grid,
.retirement-strategies-grid,
.retirement-income-list {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 17px;
}

.retirement-benefits-grid article,
.retirement-strategies-grid article,
.retirement-income-list article {
  min-height: 220px;
  padding: 29px;
  border: 1px solid rgba(52, 209, 249, .3);
  border-radius: 14px;
  background: linear-gradient(145deg, rgba(5, 49, 78, .65), rgba(1, 15, 28, .88));
  transition: transform .25s ease, border-color .25s ease;
}

.retirement-benefits-grid article:hover,
.retirement-strategies-grid article:hover,
.retirement-income-list article:hover {
  transform: translateY(-5px);
  border-color: var(--accent);
}

.retirement-number {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font: 600 38px/1 "Barlow Condensed", sans-serif;
}

.retirement-benefits-grid h3,
.retirement-strategies-grid h3,
.retirement-income-list h3 {
  margin: 0 0 13px;
  font-size: 27px;
  line-height: 1.1;
}

.retirement-benefits-grid p,
.retirement-strategies-grid p,
.retirement-income-list p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.42;
}

.retirement-strategies {
  background-image:linear-gradient(90deg, rgba(0, 14, 31, .64), rgba(0, 7, 15, .44)), url("https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Retirement-Savings-and-Investment-Strategies.jpeg");
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.retirement-strategies-grid {
  grid-template-columns: repeat(4, 1fr);
}

.retirement-strategies-grid article {
  min-height: 260px;
}

.retirement-strategies-grid h3 {
  color: var(--accent);
}

.retirement-income {
  background-image: url("https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Creating-Reliable-Retirement-Income.jpg");
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}

.retirement-income-content {
  max-width: 1180px;
}

.retirement-income-content>p {
  max-width: 925px;
  margin: 19px 0 0;
}

.retirement-income-list {
  margin-top: 38px;
  grid-template-columns: repeat(2, 1fr);
}

.retirement-income-list article {
  min-height: 190px;
}

.retirement-tax-planning {
     background-image: linear-gradient(90deg, rgba(0, 8, 17, .75), rgba(0, 20, 36, .63)), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Tax-Efficient-Retirement-Planning.jpeg);
    background-position: center;
    background-size: cover;
    background-repeat: no-repeat;
}

.retirement-tax-planning .container,
.retirement-protection .container {

}

.retirement-tax-planning p,
.retirement-protection p {
  margin: 18px 0 0;
}

.retirement-protection {
  background: radial-gradient(ellipse at 80% 35%, rgba(0, 106, 172, .3), transparent 44%), #000b17;
}

.retirement-cta .business-overhead-cta-content {
  grid-column: 2;
}

.retirement-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

.retirement-cta p {
  max-width: 900px;
}

@media (max-width: 991px) {

  .retirement-intro,
  .retirement-benefits,
  .retirement-strategies,
  .retirement-income,
  .retirement-tax-planning,
  .retirement-protection {
    padding: 64px 0;
  }

  .retirement-intro-grid {
    gap: 38px;
  }

  .retirement-benefits-grid,
  .retirement-strategies-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .retirement-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .retirement-intro,
  .retirement-benefits,
  .retirement-strategies,
  .retirement-income,
  .retirement-tax-planning,
  .retirement-protection {
    padding: 48px 0;
  }

  .retirement-intro-grid,
  .retirement-benefits-grid,
  .retirement-strategies-grid,
  .retirement-income-list {
    grid-template-columns: 1fr;
  }

  .retirement-intro-image img {
    max-width: 430px;
    margin: auto;
  }

  .retirement-intro-content h2,
  .retirement-section-heading h2,
  .retirement-income h2,
  .retirement-tax-planning h2,
  .retirement-protection h2 {
    font-size: 39px;
  }

  .retirement-intro-content p,
  .retirement-section-heading p,
  .retirement-income-content>p,
  .retirement-tax-planning p,
  .retirement-protection p {
    font-size: 18px;
  }

  .retirement-section-heading {
    margin-bottom: 30px;
  }

  .retirement-benefits-grid article,
  .retirement-strategies-grid article,
  .retirement-income-list article {
    min-height: 0;
    padding: 25px 23px;
  }
}

/* RRSP page */
.rrsp-page {
  overflow: hidden;
}

.rrsp-intro,
.rrsp-benefits,
.rrsp-contributions,
.rrsp-retirement,
.rrsp-investments {
  padding: 84px 0;
  border-bottom: 1px solid var(--line);
}

.rrsp-intro {
  background: radial-gradient(ellipse at 80% 43%, rgba(0, 105, 171, .34), transparent 43%), linear-gradient(115deg, #000811, #001b31 60%, #000c18);
}

.rrsp-intro-grid {
  display: grid;
  grid-template-columns: minmax(300px, .78fr) 1.22fr;
  gap: clamp(42px, 7vw, 105px);
  align-items: center;
}

.rrsp-intro-image img {
  display: block;
  width: 100%;
  height: auto;
  max-width: 520px;
  object-fit: contain;
  border: 1px solid rgba(52, 209, 249, .62);
  border-radius: 20px;
  box-shadow: 0 18px 42px rgba(0, 0, 0, .2);
}

.rrsp-intro-content h2,
.rrsp-section-heading h2,
.rrsp-contributions h2,
.rrsp-investments h2 {
  margin: 0;
  font-size: clamp(40px, 3.15vw, 66px);
  line-height: 1.1;
}

.rrsp-page h2 span {
  color: var(--accent);
}

.rrsp-intro-content p,
.rrsp-section-heading p,
.rrsp-contributions-content>p,
.rrsp-investments>.container>p,
.rrsp-retirement-note {
  color: var(--muted);
  font-size: 20px;
  line-height: 1.45;
}

.rrsp-intro-content p {
  margin: 18px 0 0;
}

.rrsp-benefits {
  background:  url("https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Key-Benefits-of-an-RRSP.jpg") center / cover no-repeat;
}

.rrsp-section-heading {
  max-width: 880px;
  margin-bottom: 40px;
}

.rrsp-section-heading p {
  margin: 18px 0 0;
}

.rrsp-benefits-grid,
.rrsp-retirement-grid,
.rrsp-contribution-points,
.rrsp-investment-features {
  display: grid;
  gap: 17px;
}

.rrsp-benefits-grid {
  grid-template-columns: repeat(3, 1fr);
}

.rrsp-retirement-grid,
.rrsp-contribution-points,
.rrsp-investment-features {
  grid-template-columns: repeat(3, 1fr);
}

.rrsp-benefits-grid article,
.rrsp-retirement-grid article,
.rrsp-contribution-points article,
.rrsp-investment-features article {
  min-height: 220px;
  padding: 29px;
  border: 1px solid rgba(52, 209, 249, .3);
  border-radius: 14px;
  background: linear-gradient(145deg, rgba(5, 49, 78, .65), rgba(1, 15, 28, .88));
  transition: transform .25s ease, border-color .25s ease;
}

.rrsp-benefits-grid article:hover,
.rrsp-retirement-grid article:hover,
.rrsp-contribution-points article:hover,
.rrsp-investment-features article:hover {
  transform: translateY(-5px);
  border-color: var(--accent);
}

.rrsp-number {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font: 600 38px/1 "Barlow Condensed", sans-serif;
}

.rrsp-benefits-grid h3,
.rrsp-retirement-grid h3,
.rrsp-contribution-points h3,
.rrsp-investment-features h3 {
  margin: 0 0 13px;
  font-size: 27px;
  line-height: 1.1;
}

.rrsp-benefits-grid p,
.rrsp-retirement-grid p,
.rrsp-contribution-points p,
.rrsp-investment-features p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.42;
}

.rrsp-contributions {
background: linear-gradient(90deg, rgba(0, 8, 17, .54), rgba(0, 20, 36, .48)), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/How-Much-Can-You-Contribute-to-an-RRSP.webp) center / cover no-repeat;
}

.rrsp-contributions-content {

}

.rrsp-contributions-content>p {
  
  margin: 18px 0 0;
}

.rrsp-contribution-points {
  margin-top: 38px;
}

.rrsp-contribution-points article {
  min-height: 200px;
}

.rrsp-retirement {
  background:url("https://twaweb.co/insurebizz/wp-content/uploads/2026/10/What-Happens-to-Your-RRSP-at-Retirement.jpg") center / cover no-repeat;
}

.rrsp-retirement-grid article {
  min-height: 235px;
}

.rrsp-retirement-note {

  margin: 28px 0 0;
  padding: 20px 24px;
  border-left: 3px solid var(--accent);
  background: rgba(52, 209, 249, .08);
}

.rrsp-investments {
background: linear-gradient(90deg, rgba(0, 8, 17, .34), rgba(0, 20, 36, .28)), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Explore-RRSP-Investment-Solutions.webp) center / cover no-repeat;

}

.rrsp-investments>.container {
/*   max-width: 1100px; */
}

.rrsp-investments>.container>p {
  margin: 18px 0 0;
}

.rrsp-investment-features {
  margin-top: 38px;
}

.rrsp-investment-features article {
  min-height: 230px;
}

.rrsp-investment-features h3 {
  color: var(--accent);
}

.rrsp-cta .business-overhead-cta-content {
  grid-column: 2;
}

.rrsp-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

@media (max-width: 991px) {

  .rrsp-intro,
  .rrsp-benefits,
  .rrsp-contributions,
  .rrsp-retirement,
  .rrsp-investments {
    padding: 64px 0;
  }

  .rrsp-intro-grid {
    gap: 38px;
  }

  .rrsp-benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .rrsp-contribution-points,
  .rrsp-investment-features {
    grid-template-columns: repeat(2, 1fr);
  }

  .rrsp-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .rrsp-intro,
  .rrsp-benefits,
  .rrsp-contributions,
  .rrsp-retirement,
  .rrsp-investments {
    padding: 48px 0;
  }

  .rrsp-intro-grid,
  .rrsp-benefits-grid,
  .rrsp-retirement-grid,
  .rrsp-contribution-points,
  .rrsp-investment-features {
    grid-template-columns: 1fr;
  }

  .rrsp-intro-image img {
    max-width: 430px;
    margin: auto;
  }

  .rrsp-intro-content h2,
  .rrsp-section-heading h2,
  .rrsp-contributions h2,
  .rrsp-investments h2 {
    font-size: 39px;
  }

  .rrsp-intro-content p,
  .rrsp-section-heading p,
  .rrsp-contributions-content>p,
  .rrsp-investments>.container>p,
  .rrsp-retirement-note {
    font-size: 18px;
  }

  .rrsp-section-heading {
    margin-bottom: 30px;
  }

  .rrsp-benefits-grid article,
  .rrsp-retirement-grid article,
  .rrsp-contribution-points article,
  .rrsp-investment-features article {
    min-height: 0;
    padding: 25px 23px;
  }
}

/* Tax-Free Savings Account */
.tfsa-page {
  overflow: hidden;
  background: #000912;
}

.tfsa-intro,
.tfsa-benefits,
.tfsa-contributions,
.tfsa-retirement,
.tfsa-investments {
  position: relative;
  padding: 90px 0;
  border-bottom: 1px solid rgba(52, 209, 249, .25);
}

.tfsa-intro {
  background:
    radial-gradient(ellipse 48% 78% at 12% 48%, rgba(0, 128, 186, .26), transparent 70%),
    radial-gradient(ellipse 40% 66% at 90% 16%, rgba(52, 209, 249, .12), transparent 72%),
    linear-gradient(115deg, #00070d 0%, #001b31 57%, #000d1a 100%);
}

.tfsa-intro-grid {
  display: grid;
  grid-template-columns: minmax(280px, .78fr) 1.22fr;
  align-items: center;
  gap: clamp(44px, 7vw, 108px);
}

.tfsa-intro-image {
  position: relative;
}

.tfsa-intro-image::before {
  content: "";
  position: absolute;
  inset: 12px -12px -12px 12px;
  border: 1px solid rgba(52, 209, 249, .38);
  border-radius: 22px;
}

.tfsa-intro-image img {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  max-width: 520px;
  margin: 0 auto;
  border: 1px solid rgba(52, 209, 249, .7);
  border-radius: 20px;
  box-shadow: 0 24px 55px rgba(0, 0, 0, .42);
}

.tfsa-page h2 {
  margin: 0;
  font-size: clamp(42px, 3.25vw, 68px);
  line-height: 1.08;
}

.tfsa-page h2 span {
  color: var(--accent);
}

.tfsa-intro-content p,
.tfsa-section-heading p,
.tfsa-contributions-content>p,
.tfsa-investments>.container>p,
.tfsa-retirement-note {
  color: var(--muted);
  font-size: 20px;
  line-height: 1.5;
}

.tfsa-intro-content p {
  margin: 18px 0 0;
}

.tfsa-benefits {
  background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Key-Benefits-of-a-TFSA.jpg') center / cover no-repeat;}

.tfsa-section-heading {
  max-width: 875px;
  margin-bottom: 42px;
}

.tfsa-section-heading p {
  margin: 18px 0 0;
}

.tfsa-benefits-grid,
.tfsa-retirement-grid,
.tfsa-contribution-points,
.tfsa-investment-features {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.tfsa-benefits-grid {
  grid-template-columns: repeat(4, 1fr);
}

.tfsa-benefits-grid article,
.tfsa-retirement-grid article,
.tfsa-contribution-points article,
.tfsa-investment-features article {
  min-height: 224px;
  padding: 30px;
  border: 1px solid rgba(52, 209, 249, .28);
  border-radius: 16px;
  background: linear-gradient(145deg, rgba(7, 58, 89, .72), rgba(1, 14, 27, .94));
  box-shadow: inset 0 1px rgba(255, 255, 255, .04);
  transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease;
}

.tfsa-benefits-grid article:hover,
.tfsa-retirement-grid article:hover,
.tfsa-contribution-points article:hover,
.tfsa-investment-features article:hover {
  transform: translateY(-6px);
  border-color: var(--accent);
  box-shadow: 0 16px 32px rgba(0, 0, 0, .2), inset 0 1px rgba(255, 255, 255, .06);
}

.tfsa-number {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font: 600 39px/1 "Barlow Condensed", sans-serif;
}

.tfsa-benefits-grid h3,
.tfsa-retirement-grid h3,
.tfsa-contribution-points h3,
.tfsa-investment-features h3 {
  margin: 0 0 13px;
  font-size: 27px;
  line-height: 1.1;
}

.tfsa-benefits-grid p,
.tfsa-retirement-grid p,
.tfsa-contribution-points p,
.tfsa-investment-features p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.45;
}

.tfsa-contributions {
  background: linear-gradient(115deg, #001a2f, #00070f 68%);
}

.tfsa-contributions-content {}

.tfsa-contributions-content>p {
  margin: 18px 0 0;
}

.tfsa-contribution-points {
  margin-top: 38px;
}

.tfsa-contribution-points article {
  min-height: 210px;
}

.tfsa-contribution-note,
.tfsa-retirement-note {

  margin: 30px 0 0;
  padding: 21px 25px;
  border-left: 3px solid var(--accent);
  background: rgba(52, 209, 249, .08);
}

.tfsa-retirement {
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/TFSA-Retirement-Estate-Planning-optimized.jpg) center / cover no-repeat;}

.tfsa-retirement-grid article {
  min-height: 238px;
}

.tfsa-investments {
  background: linear-gradient(112deg, #000811, #00213a 61%, #001222);
}

.tfsa-investments>.container>p {
  max-width: 970px;
  margin: 18px 0 0;
}

.tfsa-investment-features {
  margin-top: 38px;
}

.tfsa-investment-features article {
  min-height: 235px;
}

.tfsa-investment-features h3 {
  color: var(--accent);
}

.tfsa-cta .business-overhead-cta-content {
  grid-column: 2;
}

.tfsa-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

@media (max-width: 991px) {

  .tfsa-intro,
  .tfsa-benefits,
  .tfsa-contributions,
  .tfsa-retirement,
  .tfsa-investments {
    padding: 66px 0;
  }

  .tfsa-intro-grid {
    gap: 38px;
  }

  .tfsa-benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .tfsa-contribution-points,
  .tfsa-investment-features {
    grid-template-columns: repeat(2, 1fr);
  }

  .tfsa-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .tfsa-intro,
  .tfsa-benefits,
  .tfsa-contributions,
  .tfsa-retirement,
  .tfsa-investments {
    padding: 50px 0;
  }

  .tfsa-intro-grid,
  .tfsa-benefits-grid,
  .tfsa-retirement-grid,
  .tfsa-contribution-points,
  .tfsa-investment-features {
    grid-template-columns: 1fr;
  }

  .tfsa-intro-image img {
    max-width: 430px;
  }

  .tfsa-page h2 {
    font-size: 40px;
  }

  .tfsa-intro-content p,
  .tfsa-section-heading p,
  .tfsa-contributions-content>p,
  .tfsa-investments>.container>p,
  .tfsa-retirement-note {
    font-size: 18px;
  }

  .tfsa-section-heading {
    margin-bottom: 30px;
  }

  .tfsa-benefits-grid article,
  .tfsa-retirement-grid article,
  .tfsa-contribution-points article,
  .tfsa-investment-features article {
    min-height: 0;
    padding: 26px 23px;
  }

  .tfsa-contribution-note,
  .tfsa-retirement-note {
    padding: 19px 20px;
  }
}

/* Registered Education Savings Plan */
.resp-page {
  overflow: hidden;
  background: #000912;
}

.resp-intro,
.resp-benefits,
.resp-grants,
.resp-contributions,
.resp-access {
  position: relative;
  padding: 90px 0;
  border-bottom: 1px solid rgba(52, 209, 249, .25);
}

.resp-page h2 {
  margin: 0;
  font-size: clamp(42px, 3.25vw, 68px);
  line-height: 1.08;
}

.resp-page h2 span {
  color: var(--accent);
}

.resp-intro-content p,
.resp-section-heading p,
.resp-grants-content>p,
.resp-contributions>.container>p,
.resp-contribution-note {
  color: var(--muted);
  font-size: 20px;
  line-height: 1.5;
}

.resp-intro {
  background:
    radial-gradient(ellipse 48% 78% at 12% 48%, rgba(0, 128, 186, .26), transparent 70%),
    radial-gradient(ellipse 40% 66% at 90% 16%, rgba(52, 209, 249, .12), transparent 72%),
    linear-gradient(115deg, #00070d 0%, #001b31 57%, #000d1a 100%);
}

.resp-intro-grid {
  display: grid;
  grid-template-columns: minmax(280px, .78fr) 1.22fr;
  align-items: center;
  gap: clamp(44px, 7vw, 108px);
}

.resp-intro-image {
  position: relative;
}

.resp-intro-image::before {
  content: "";
  position: absolute;
  inset: 12px -12px -12px 12px;
  border: 1px solid rgba(52, 209, 249, .38);
  border-radius: 22px;
}

.resp-intro-image img {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  max-width: 520px;
  min-height: 300px;
  margin: 0 auto;
  object-fit: cover;
  border: 1px solid rgba(52, 209, 249, .7);
  border-radius: 20px;
  box-shadow: 0 24px 55px rgba(0, 0, 0, .42);
}

.resp-intro-content p {
  margin: 18px 0 0;
}

.resp-benefits {
background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Key-Benefits-of-an-RESP.jpg') center / cover no-repeat;}

.resp-section-heading {
  max-width: 875px;
  margin-bottom: 42px;
}

.resp-section-heading p {
  margin: 18px 0 0;
}

.resp-benefits-grid,
.resp-grants-grid,
.resp-contribution-points,
.resp-access-grid {
  display: grid;
  gap: 18px;
}

.resp-benefits-grid {
  grid-template-columns: repeat(5, 1fr);
}

.resp-grants-grid {
  grid-template-columns: repeat(2, 1fr);
  margin-top: 38px;
}

.resp-contribution-points,
.resp-access-grid {
  grid-template-columns: repeat(3, 1fr);
}

.resp-benefits-grid article,
.resp-grants-grid article,
.resp-contribution-points article,
.resp-access-grid article {
  min-height: 224px;
  padding: 30px;
  border: 1px solid rgba(52, 209, 249, .28);
  border-radius: 16px;
  background: linear-gradient(145deg, rgba(7, 58, 89, .72), rgba(1, 14, 27, .94));
  box-shadow: inset 0 1px rgba(255, 255, 255, .04);
  transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease;
}

.resp-benefits-grid article:hover,
.resp-grants-grid article:hover,
.resp-contribution-points article:hover,
.resp-access-grid article:hover {
  transform: translateY(-6px);
  border-color: var(--accent);
  box-shadow: 0 16px 32px rgba(0, 0, 0, .2), inset 0 1px rgba(255, 255, 255, .06);
}

.resp-number {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font: 600 39px/1 "Barlow Condensed", sans-serif;
}

.resp-benefits-grid h3,
.resp-grants-grid h3,
.resp-contribution-points h3,
.resp-access-grid h3 {
  margin: 0 0 13px;
  font-size: 27px;
  line-height: 1.1;
}

.resp-benefits-grid p,
.resp-grants-grid p,
.resp-contribution-points p,
.resp-access-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.45;
}

.resp-grants {
background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Government-Grants-Make-Your-Savings-Go-Further.jpg') center / cover no-repeat;}

.resp-grants-content>p {
  margin: 18px 0 0;
}

.resp-grants-grid article {
  min-height: 205px;
}

.resp-grants-grid h3 {
  color: var(--accent);
}

.resp-contributions {

background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/How-Much-Can-You-Contribute-to-an-RESP.jpg) center / cover no-repeat;}

.resp-contributions>.container>p {
  margin: 18px 0 0;
}

.resp-contribution-points {
  margin-top: 38px;
}

.resp-contribution-points article {
  min-height: 210px;
}

.resp-contribution-note {

  margin: 30px 0 0;
  padding: 21px 25px;
  border-left: 3px solid var(--accent);
  background: rgba(52, 209, 249, .08);
}

.resp-access {
  background: linear-gradient(112deg, #000811, #00213a 61%, #001222);
}

.resp-access-grid article {
  min-height: 238px;
}

.resp-cta .business-overhead-cta-content {
  grid-column: 2;
}

.resp-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

.resp-cta p {
  max-width: 900px;
}

.resp-cta .business-overhead-cta-button {
  display: inline-flex;
  align-items: center;
}

@media (max-width: 1199px) {
  .resp-benefits-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 991px) {

  .resp-intro,
  .resp-benefits,
  .resp-grants,
  .resp-contributions,
  .resp-access {
    padding: 66px 0;
  }

  .resp-intro-grid {
    gap: 38px;
  }

  .resp-benefits-grid,
  .resp-contribution-points,
  .resp-access-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .resp-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .resp-intro,
  .resp-benefits,
  .resp-grants,
  .resp-contributions,
  .resp-access {
    padding: 50px 0;
  }

  .resp-intro-grid,
  .resp-benefits-grid,
  .resp-grants-grid,
  .resp-contribution-points,
  .resp-access-grid {
    grid-template-columns: 1fr;
  }

  .resp-intro-image img {
    min-height: 0;
    max-width: 430px;
  }

  .resp-page h2 {
    font-size: 40px;
  }

  .resp-intro-content p,
  .resp-section-heading p,
  .resp-grants-content>p,
  .resp-contributions>.container>p,
  .resp-contribution-note {
    font-size: 18px;
  }

  .resp-section-heading {
    margin-bottom: 30px;
  }

  .resp-benefits-grid article,
  .resp-grants-grid article,
  .resp-contribution-points article,
  .resp-access-grid article {
    min-height: 0;
    padding: 26px 23px;
  }

  .resp-contribution-note {
    padding: 19px 20px;
  }
}

/* Annuities */
.annuity-page {
  overflow: hidden;
  background: #000912;
}

.annuity-intro,
.annuity-benefits,
.annuity-types,
.annuity-registration,
.annuity-suitability {
  position: relative;
  padding: 90px 0;
  border-bottom: 1px solid rgba(52, 209, 249, .25);
}

.annuity-page h2 {
  margin: 0;
  font-size: clamp(42px, 3.25vw, 68px);
  line-height: 1.08;
}

.annuity-page h2 span {
  color: var(--accent);
}

.annuity-intro-content p,
.annuity-section-heading p,
.annuity-suitability-content>p,
.annuity-registration-note {
  color: var(--muted);
  font-size: 20px;
  line-height: 1.5;
}

.annuity-intro {
  background:
    radial-gradient(ellipse 48% 78% at 12% 48%, rgba(0, 128, 186, .26), transparent 70%),
    radial-gradient(ellipse 40% 66% at 90% 16%, rgba(52, 209, 249, .12), transparent 72%),
    linear-gradient(115deg, #00070d 0%, #001b31 57%, #000d1a 100%);
}

.annuity-intro-grid {
  display: grid;
  grid-template-columns: minmax(280px, .78fr) 1.22fr;
  align-items: center;
  gap: clamp(44px, 7vw, 108px);
}

.annuity-intro-image {
  position: relative;
}

.annuity-intro-image::before {
  content: "";
  position: absolute;
  inset: 12px -12px -12px 12px;
  border: 1px solid rgba(52, 209, 249, .38);
  border-radius: 22px;
}

.annuity-intro-image img {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  max-width: 520px;
  min-height: 300px;
  margin: 0 auto;
  object-fit: cover;
  border: 1px solid rgba(52, 209, 249, .7);
  border-radius: 20px;
  box-shadow: 0 24px 55px rgba(0, 0, 0, .42);
}

.annuity-intro-content p {
  margin: 18px 0 0;
}

.annuity-benefits {

  background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Key-Benefits-of-Annuities.jpg') center / cover no-repeat;
}

.annuity-section-heading {
 
  margin-bottom: 42px;
}

.annuity-section-heading p {
  margin: 18px 0 0;
}

.annuity-benefits-grid,
.annuity-types-grid,
.annuity-registration-grid {
  display: grid;
  gap: 18px;
}

.annuity-benefits-grid {
  grid-template-columns: repeat(3, 1fr);
}

.annuity-types-grid {
  grid-template-columns: repeat(3, 1fr);
}

.annuity-registration-grid {
  grid-template-columns: repeat(2, 1fr);
}

.annuity-benefits-grid article,
.annuity-types-grid article,
.annuity-registration-grid article {
  min-height: 224px;
  padding: 30px;
  border: 1px solid rgba(52, 209, 249, .28);
  border-radius: 16px;
  background: linear-gradient(145deg, rgba(7, 58, 89, .72), rgba(1, 14, 27, .94));
  box-shadow: inset 0 1px rgba(255, 255, 255, .04);
  transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease;
}

.annuity-benefits-grid article:hover,
.annuity-types-grid article:hover,
.annuity-registration-grid article:hover {
  transform: translateY(-6px);
  border-color: var(--accent);
  box-shadow: 0 16px 32px rgba(0, 0, 0, .2), inset 0 1px rgba(255, 255, 255, .06);
}

.annuity-number {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font: 600 39px/1 "Barlow Condensed", sans-serif;
}

.annuity-benefits-grid h3,
.annuity-types-grid h3,
.annuity-registration-grid h3 {
  margin: 0 0 13px;
  font-size: 27px;
  line-height: 1.1;
}

.annuity-benefits-grid p,
.annuity-types-grid p,
.annuity-registration-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.45;
}

.annuity-types {
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Choose-the-Right-Type-of-Annuity.jpg) center / cover no-repeat;}

.annuity-types-grid article {
  min-height: 275px;
}

.annuity-types-grid h3 {
  color: var(--accent);
}

.annuity-registration {
  background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Registered-vs-Non-Registered-Annuities.jpg') center / cover no-repeat;}

.annuity-registration-grid article {
  min-height: 200px;
}

.annuity-registration-note {

  margin: 30px 0 0;
  padding: 21px 25px;
  border-left: 3px solid var(--accent);
  background: rgba(52, 209, 249, .08);
}

.annuity-suitability {
  background: linear-gradient(112deg, #000811, #00213a 61%, #001222);
}

.annuity-suitability-content {}

.annuity-suitability-content>p {
  margin: 18px 0 0;
}

.annuity-checklist {
  display: grid;
  gap: 14px;
  margin: 32px 0;
  padding: 28px 32px;
  list-style: none;
  border: 1px solid rgba(52, 209, 249, .3);
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(4, 47, 76, .6), rgba(1, 13, 25, .85));
}

.annuity-checklist li {
  position: relative;
  padding-left: 34px;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.4;
}

.annuity-checklist li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: -1px;
  color: var(--accent);
  font-weight: 700;
}

.annuity-cta .business-overhead-cta-content {
  grid-column: 2;
}

.annuity-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

.annuity-cta p {
  max-width: 900px;
}

.annuity-cta .business-overhead-cta-button {
  display: inline-flex;
  align-items: center;
}

@media (max-width: 991px) {

  .annuity-intro,
  .annuity-benefits,
  .annuity-types,
  .annuity-registration,
  .annuity-suitability {
    padding: 66px 0;
  }

  .annuity-intro-grid {
    gap: 38px;
  }

  .annuity-benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .annuity-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .annuity-intro,
  .annuity-benefits,
  .annuity-types,
  .annuity-registration,
  .annuity-suitability {
    padding: 50px 0;
  }

  .annuity-intro-grid,
  .annuity-benefits-grid,
  .annuity-types-grid,
  .annuity-registration-grid {
    grid-template-columns: 1fr;
  }

  .annuity-intro-image img {
    min-height: 0;
    max-width: 430px;
  }

  .annuity-page h2 {
    font-size: 40px;
  }

  .annuity-intro-content p,
  .annuity-section-heading p,
  .annuity-suitability-content>p,
  .annuity-registration-note {
    font-size: 18px;
  }

  .annuity-section-heading {
    margin-bottom: 30px;
  }

  .annuity-benefits-grid article,
  .annuity-types-grid article,
  .annuity-registration-grid article {
    min-height: 0;
    padding: 26px 23px;
  }

  .annuity-checklist {
    margin: 28px 0;
    padding: 24px 22px;
  }

  .annuity-checklist li {
    padding-left: 31px;
    font-size: 17px;
  }

  .annuity-registration-note {
    padding: 19px 20px;
  }
}

/* Insurance Options: refreshed overview layout */
.insurance-options-page .insurance-options-hero {
  position: relative;
  isolation: isolate;
  min-height: 560px;
}

.insurance-options-page .insurance-options-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(0, 7, 15, .92), rgba(0, 7, 15, .58) 48%, rgba(0, 7, 15, .13));
}

.insurance-options-page h1 span,
.insurance-options-page h2 span,
.insurance-options-page h3 span {
  color: var(--accent);
}

.insurance-options-page h1,
.insurance-options-page h2 {
  zoom: normal;
}

.insurance-options-eyebrow {
  margin: 0 0 14px;
  color: var(--accent) !important;
  font-size: 16px !important;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
}

.insurance-options-page .insurance-options-hero h1 {
  max-width: 680px;
  font-size: clamp(52px, 4.5vw, 82px);
  line-height: 1;
}

.insurance-options-page .insurance-options-hero p:not(.insurance-options-eyebrow) {
  max-width: 600px;
  font-size: 24px;
  line-height: 1.35;
}

.insurance-options-introduction,
.insurance-options-personalized,
.insurance-options-solutions,
.insurance-options-cta {
  padding: 88px 0;
  border-bottom: 1px solid var(--line);
}

.insurance-options-introduction {
  background: radial-gradient(ellipse at 12% 50%, rgba(0, 111, 180, .3), transparent 43%), linear-gradient(112deg, #000811, #001d34 60%, #000b17);
}

.insurance-options-intro-grid {
  display: grid;
  grid-template-columns: minmax(290px, .82fr) minmax(0, 1.18fr);
  align-items: center;
  gap: clamp(44px, 7vw, 110px);
}

.insurance-options-intro-grid>img {
  width: 100%;
  border: 1px solid rgba(52, 209, 249, .68);
  border-radius: 22px;
  box-shadow: 0 20px 45px rgba(0, 0, 0, .28);
}

.insurance-options-page h2 {
  margin: 0 0 20px;
  font-size: clamp(42px, 3.35vw, 68px);
  line-height: 1.08;
}

.insurance-options-intro-grid p:not(.insurance-options-eyebrow),
.insurance-options-section-heading>p:not(.insurance-options-eyebrow),
.insurance-solution-card>p,
.insurance-solution-card li span,
.insurance-options-cta p:not(.insurance-options-eyebrow) {
  color: var(--muted);
  font-size: 19px;
  line-height: 1.46;
}

.insurance-options-intro-grid p:not(.insurance-options-eyebrow) {
  margin: 0 0 18px;
}

.insurance-options-intro-grid p:last-child {
  margin-bottom: 0;
}

.insurance-options-personalized {
  background: #000a14;
}

.insurance-options-section-heading {
  max-width: 900px;
  margin-bottom: 42px;
}

.insurance-options-section-heading>p:not(.insurance-options-eyebrow) {
  margin: 0;
}

.insurance-options-process {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid rgba(52, 209, 249, .38);
  background: rgba(52, 209, 249, .38);
  gap: 1px;
}

.insurance-options-process article {
  min-height: 220px;
  padding: 32px;
  background: #00101f;
}

.insurance-options-process span {
  display: block;
  margin-bottom: 22px;
  color: var(--accent);
  font: 600 42px/1 "Barlow Condensed", sans-serif;
}

.insurance-options-process h3 {
  margin: 0 0 13px;
  font-size: 28px;
}

.insurance-options-process p {
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.42;
}

.insurance-options-solutions {
  background: radial-gradient(ellipse at 85% 12%, rgba(0, 111, 180, .25), transparent 40%), linear-gradient(115deg, #00182c, #000811 66%);
}

.insurance-options-solutions-heading {
  margin-bottom: 38px;
}

.insurance-options-solution-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
}

.insurance-solution-card {
  padding: 35px;
  border: 1px solid rgba(52, 209, 249, .32);
  border-radius: 16px;
  background: linear-gradient(145deg, rgba(5, 47, 76, .82), rgba(1, 14, 27, .95));
}

.insurance-solution-card-wide {
  grid-column: 1 / -1;
}

.insurance-solution-card h3 {
  margin: 0 0 14px;
  font-size: 34px;
  line-height: 1.08;
}

.insurance-solution-card>p {
  margin: 0 0 25px;
}

.insurance-solution-card ul {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  margin: 0;
  padding: 1px;
  list-style: none;
  background: rgba(52, 209, 249, .34);
}

.insurance-solution-card li {
  background: #00101f;
}

.insurance-solution-card a {
  display: block;
  min-height: 100%;
  padding: 20px 22px;
  transition: background .2s ease;
}

.insurance-solution-card a:hover,
.insurance-solution-card a:focus-visible {
  background: rgba(52, 209, 249, .1);
}

.insurance-solution-card strong {
  display: block;
  margin-bottom: 7px;
  color: #fff;
  font-size: 19px;
  line-height: 1.2;
}

.insurance-solution-card li span {
  display: block;
  font-size: 16px;
}

.insurance-options-cta {
  min-height: 306px;
  padding: 0;
  display: flex;
  align-items: center;
  background: #00102a url('../img/lets-bg.png') center / cover no-repeat;
}

.insurance-options-cta-inner {
  min-height: 306px;
  display: grid;
  grid-template-columns: 38% 62%;
  align-items: center;
}

.insurance-options-cta-copy {
  padding: 34px 0 34px 42px;
}

.insurance-options-cta h2 {
  margin-bottom: 14px;
  color: #fff;
  font-size: clamp(36px, 2.8vw, 56px);
}

.insurance-options-cta p:not(.insurance-options-eyebrow) {
  max-width: 900px;
  margin: 0 0 18px;
  color: var(--accent);
  font-size: 19px;
  line-height: 1.35;
}

.insurance-options-cta .pill-btn {
  min-height: 48px;
  margin-top: 8px;
  padding: 6px 6px 6px 27px;
  gap: 24px;
  font-size: 18px;
}

.insurance-options-cta .pill-btn span {
  width: 34px;
  height: 34px;
  font-size: 18px;
}

@media (max-width: 991px) {

  .insurance-options-introduction,
  .insurance-options-personalized,
  .insurance-options-solutions,
  .insurance-options-cta {
    padding: 64px 0;
  }

  .insurance-options-intro-grid {
    gap: 38px;
  }

  .insurance-options-solution-grid {
    gap: 16px;
  }

  .insurance-solution-card {
    padding: 28px;
  }

  .insurance-options-cta-inner {
    grid-template-columns: 34% 66%;
  }

  .insurance-options-cta-copy {
    padding-left: 20px;
  }
}

@media (max-width: 575px) {
  .insurance-options-page .insurance-options-hero {
    min-height: 410px;
    background-position: 62% center;
  }

  .insurance-options-page .insurance-options-hero h1 {
    font-size: 47px;
  }

  .insurance-options-page .insurance-options-hero p:not(.insurance-options-eyebrow) {
    font-size: 19px;
  }

  .insurance-options-introduction,
  .insurance-options-personalized,
  .insurance-options-solutions,
  .insurance-options-cta {
    padding: 48px 0;
  }

  .insurance-options-intro-grid,
  .insurance-options-solution-grid,
  .insurance-options-cta-inner {
    grid-template-columns: 1fr;
  }

  .insurance-options-intro-grid>img {
    max-width: 430px;
    margin: auto;
  }

  .insurance-options-page h2 {
    font-size: 39px;
  }

  .insurance-options-intro-grid p:not(.insurance-options-eyebrow),
  .insurance-options-section-heading>p:not(.insurance-options-eyebrow),
  .insurance-solution-card>p,
  .insurance-options-cta p:not(.insurance-options-eyebrow) {
    font-size: 18px;
  }

  .insurance-options-section-heading {
    margin-bottom: 30px;
  }

  .insurance-options-process,
  .insurance-solution-card ul {
    grid-template-columns: 1fr;
  }

  .insurance-options-process article {
    min-height: 0;
    padding: 26px 23px;
  }

  .insurance-solution-card {
    padding: 25px 22px;
  }

  .insurance-solution-card h3 {
    font-size: 30px;
  }

  .insurance-solution-card-wide {
    grid-column: auto;
  }

  .insurance-options-cta {
    min-height: 0;
    background-position: 23% center;
  }

  .insurance-options-cta-inner {
    min-height: 0;
  }

  .insurance-options-cta-spacer {
    display: none;
  }

  .insurance-options-cta-copy {
    padding: 48px 0;
  }

  .insurance-options-cta h2 {
    font-size: 39px;
  }

  .insurance-options-cta p:not(.insurance-options-eyebrow) {
    font-size: 18px;
  }
}

/* Estate planning */
.estate-page {
  overflow: hidden;
  background: #000912;
}

.estate-intro,
.estate-benefits,
.estate-life-insurance,
.estate-segregated-funds,
.estate-corporate,
.estate-will-planning {
  position: relative;
  padding: 90px 0;
  border-bottom: 1px solid rgba(52, 209, 249, .25);
}

.estate-page h2 {
  margin: 0;
  font-size: clamp(42px, 3.25vw, 68px);
  line-height: 1.08;
}

.estate-page h2 span {
  color: var(--accent);
}

.estate-intro-content p,
.estate-section-heading p,
.estate-life-insurance-content>p,
.estate-will-planning>.container>p,
.estate-corporate-note,
.estate-probate-info p {
  color: var(--muted);
  font-size: 20px;
  line-height: 1.5;
}

.estate-intro {
  background:
    radial-gradient(ellipse 48% 78% at 12% 48%, rgba(0, 128, 186, .26), transparent 70%),
    radial-gradient(ellipse 40% 66% at 90% 16%, rgba(52, 209, 249, .12), transparent 72%),
    linear-gradient(115deg, #00070d 0%, #001b31 57%, #000d1a 100%);
}

.estate-intro-grid {
  display: grid;
  grid-template-columns: minmax(280px, .78fr) 1.22fr;
  align-items: center;
  gap: clamp(44px, 7vw, 108px);
}

.estate-intro-image {
  position: relative;
}

.estate-intro-image::before {
  content: "";
  position: absolute;
  inset: 12px -12px -12px 12px;
  border: 1px solid rgba(52, 209, 249, .38);
  border-radius: 22px;
}

.estate-intro-image img {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  max-width: 520px;
  min-height: 300px;
  margin: 0 auto;
  object-fit: cover;
  border: 1px solid rgba(52, 209, 249, .7);
  border-radius: 20px;
  box-shadow: 0 24px 55px rgba(0, 0, 0, .42);
}

.estate-intro-content p {
  margin: 18px 0 0;
}

.estate-benefits {
 background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Key-Benefits-of-Estate-Planning.jpg') center / cover no-repeat;
}

.estate-section-heading {
  max-width: 895px;
  margin-bottom: 42px;
}

.estate-section-heading p {
  margin: 18px 0 0;
}

.estate-benefits-grid,
.estate-life-insurance-grid,
.estate-segregated-grid,
.estate-corporate-grid,
.estate-will-grid {
  display: grid;
  gap: 18px;
}

.estate-benefits-grid {
  grid-template-columns: repeat(4, 1fr);
}

.estate-life-insurance-grid {
  grid-template-columns: repeat(2, 1fr);
  margin-top: 38px;
}

.estate-segregated-grid {
  grid-template-columns: repeat(2, 1fr);
}

.estate-corporate-grid {
  grid-template-columns: repeat(4, 1fr);
}

.estate-will-grid {
  grid-template-columns: repeat(3, 1fr);
  margin-top: 38px;
}

.estate-benefits-grid article,
.estate-life-insurance-grid article,
.estate-segregated-grid article,
.estate-corporate-grid article,
.estate-will-grid article {
  min-height: 224px;
  padding: 30px;
  border: 1px solid rgba(52, 209, 249, .28);
  border-radius: 16px;
  background: linear-gradient(145deg, rgba(7, 58, 89, .72), rgba(1, 14, 27, .94));
  box-shadow: inset 0 1px rgba(255, 255, 255, .04);
  transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease;
}

.estate-benefits-grid article:hover,
.estate-life-insurance-grid article:hover,
.estate-segregated-grid article:hover,
.estate-corporate-grid article:hover,
.estate-will-grid article:hover {
  transform: translateY(-6px);
  border-color: var(--accent);
  box-shadow: 0 16px 32px rgba(0, 0, 0, .2), inset 0 1px rgba(255, 255, 255, .06);
}

.estate-number {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font: 600 39px/1 "Barlow Condensed", sans-serif;
}

.estate-benefits-grid h3,
.estate-life-insurance-grid h3,
.estate-segregated-grid h3,
.estate-corporate-grid h3,
.estate-will-grid h3,
.estate-probate-info h3 {
  margin: 0 0 13px;
  font-size: 27px;
  line-height: 1.1;
}

.estate-benefits-grid p,
.estate-life-insurance-grid p,
.estate-segregated-grid p,
.estate-corporate-grid p,
.estate-will-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.45;
}

.estate-life-insurance {
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Life-Insurance-in-Estate-Planning.jpg) center / cover no-repeat;}

.estate-life-insurance-content {
  max-width: 1180px;
}

.estate-life-insurance-content>p {
 
  margin: 18px 0 0;
}

.estate-life-insurance-grid article {
  min-height: 205px;
}

.estate-life-insurance-grid h3 {
  color: var(--accent);
}

.estate-segregated-funds {
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Using-Segregated-Funds-to-Protect-Your-Estate.jpg) center / cover no-repeat;}

.estate-segregated-grid article {
  min-height: 290px;
}

.estate-probate-info {

  margin: 30px 0 0;
  padding: 24px 27px;
  border-left: 3px solid var(--accent);
  background: rgba(52, 209, 249, .08);
}

.estate-probate-info h3 {
  color: var(--accent);
}

.estate-probate-info p {
  margin: 0;
}

.estate-corporate {
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/11/corporate.jpeg) center / cover no-repeat;}

.estate-corporate-grid article {
  min-height: 255px;
}

.estate-corporate-grid h3 {
  color: var(--accent);
}

.estate-corporate-note {
  
  margin: 30px 0 0;
  padding: 21px 25px;
  border-left: 3px solid var(--accent);
  background: rgba(52, 209, 249, .48);
}

.estate-will-planning {
  background: radial-gradient(ellipse 52% 56% at 86% 8%, rgba(0, 107, 174, .28), transparent 64%), #000b18;
}

.estate-will-planning>.container>p {

  margin: 18px 0 0;
}

.estate-will-grid article {
  min-height: 200px;
}

.estate-cta .business-overhead-cta-content {
  grid-column: 2;
}

.estate-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

.estate-cta p {
  max-width: 900px;
}

.estate-cta .business-overhead-cta-button {
  display: inline-flex;
  align-items: center;
}

@media (max-width: 1199px) {

  .estate-benefits-grid,
  .estate-corporate-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 991px) {

  .estate-intro,
  .estate-benefits,
  .estate-life-insurance,
  .estate-segregated-funds,
  .estate-corporate,
  .estate-will-planning {
    padding: 66px 0;
  }

  .estate-intro-grid {
    gap: 38px;
  }

  .estate-benefits-grid,
  .estate-corporate-grid,
  .estate-will-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .estate-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .estate-intro,
  .estate-benefits,
  .estate-life-insurance,
  .estate-segregated-funds,
  .estate-corporate,
  .estate-will-planning {
    padding: 50px 0;
  }

  .estate-intro-grid,
  .estate-benefits-grid,
  .estate-life-insurance-grid,
  .estate-segregated-grid,
  .estate-corporate-grid,
  .estate-will-grid {
    grid-template-columns: 1fr;
  }

  .estate-intro-image img {
    min-height: 0;
    max-width: 430px;
  }

  .estate-page h2 {
    font-size: 40px;
  }

  .estate-intro-content p,
  .estate-section-heading p,
  .estate-life-insurance-content>p,
  .estate-will-planning>.container>p,
  .estate-corporate-note,
  .estate-probate-info p {
    font-size: 18px;
  }

  .estate-section-heading {
    margin-bottom: 30px;
  }

  .estate-benefits-grid article,
  .estate-life-insurance-grid article,
  .estate-segregated-grid article,
  .estate-corporate-grid article,
  .estate-will-grid article {
    min-height: 0;
    padding: 26px 23px;
  }

  .estate-probate-info,
  .estate-corporate-note {
    padding: 19px 20px;
  }
}

/* Segregated funds */
.segregated-page {
  overflow: hidden;
  background: #000912;
}

.segregated-intro,
.segregated-benefits,
.segregated-guarantees,
.segregated-estate,
.segregated-creditor,
.segregated-investments {
  position: relative;
  padding: 90px 0;
  border-bottom: 1px solid rgba(52, 209, 249, .25);
}

.segregated-page h2 {
  margin: 0;
  font-size: clamp(42px, 3.25vw, 68px);
  line-height: 1.08;
}

.segregated-page h2 span {
  color: var(--accent);
}

.segregated-intro-content p,
.segregated-section-heading p,
.segregated-estate-content p,
.segregated-creditor p,
.segregated-guarantees-note {
  color: var(--muted);
  font-size: 20px;
  line-height: 1.5;
}

.segregated-intro {
  background:
    radial-gradient(ellipse 48% 78% at 12% 48%, rgba(0, 128, 186, .26), transparent 70%),
    radial-gradient(ellipse 40% 66% at 90% 16%, rgba(52, 209, 249, .12), transparent 72%),
    linear-gradient(115deg, #00070d 0%, #001b31 57%, #000d1a 100%);
}

.segregated-intro-grid {
  display: grid;
  grid-template-columns: minmax(280px, .78fr) 1.22fr;
  align-items: center;
  gap: clamp(44px, 7vw, 108px);
}

.segregated-intro-image {
  position: relative;
}

.segregated-intro-image::before {
  content: "";
  position: absolute;
  inset: 12px -12px -12px 12px;
  border: 1px solid rgba(52, 209, 249, .38);
  border-radius: 22px;
}

.segregated-intro-image img {
  position: relative;
  z-index: 1;
  display: block;
  width: 100%;
  max-width: 520px;
  min-height: 300px;
  margin: 0 auto;
  object-fit: cover;
  border: 1px solid rgba(52, 209, 249, .7);
  border-radius: 20px;
  box-shadow: 0 24px 55px rgba(0, 0, 0, .42);
}

.segregated-intro-content p {
  margin: 18px 0 0;
}

.segregated-benefits {
  background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Key-Benefits-of-Segregated-Funds.jpg') center / cover no-repeat;}

.segregated-section-heading {
  margin-bottom: 42px;
}

.segregated-section-heading p {
  margin: 18px 0 0;
}

.segregated-benefits-grid,
.segregated-guarantees-grid,
.segregated-investments-grid {
  display: grid;
  gap: 18px;
}

.segregated-benefits-grid {
  grid-template-columns: repeat(3, 1fr);
}

.segregated-guarantees-grid {
  grid-template-columns: repeat(3, 1fr);
}

.segregated-investments-grid {
  grid-template-columns: repeat(3, 1fr);
}

.segregated-benefits-grid article,
.segregated-guarantees-grid article,
.segregated-investments-grid article {
  min-height: 224px;
  padding: 30px;
  border: 1px solid rgba(52, 209, 249, .28);
  border-radius: 16px;
  background: linear-gradient(145deg, rgba(7, 58, 89, .72), rgba(1, 14, 27, .94));
  box-shadow: inset 0 1px rgba(255, 255, 255, .04);
  transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease;
}

.segregated-benefits-grid article:hover,
.segregated-guarantees-grid article:hover,
.segregated-investments-grid article:hover {
  transform: translateY(-6px);
  border-color: var(--accent);
  box-shadow: 0 16px 32px rgba(0, 0, 0, .2), inset 0 1px rgba(255, 255, 255, .06);
}

.segregated-number {
  display: block;
  margin-bottom: 20px;
  color: var(--accent);
  font: 600 39px/1 "Barlow Condensed", sans-serif;
}

.segregated-benefits-grid h3,
.segregated-guarantees-grid h3,
.segregated-investments-grid h3 {
  margin: 0 0 13px;
  font-size: 27px;
  line-height: 1.1;
}

.segregated-benefits-grid p,
.segregated-guarantees-grid p,
.segregated-investments-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.45;
}

.segregated-guarantees {
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/How-Do-Segregated-Fund-Guarantees-Work.jpg) center / cover no-repeat;}

.segregated-guarantees-grid article {
  min-height: 295px;
}

.segregated-guarantees-grid h3 {
  color: var(--accent);
}

.segregated-guarantees-grid p+p {
  margin-top: 15px;
}

.segregated-guarantees-note {
  margin: 30px 0 0;
  padding: 21px 25px;
  border-left: 3px solid var(--accent);
  background: rgba(52, 209, 249, .08);
}

.segregated-estate {
 background: url('https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Estate-Planning-and-Beneficiary-Protection.jpg') center / cover no-repeat;}

.segregated-estate-content {
  padding: 42px 48px;
  border-left: 3px solid var(--accent);
  background: linear-gradient(100deg, rgba(0, 48, 80, .54), rgba(0, 15, 30, .28));
}

.segregated-estate-content p {
  margin: 18px 0 0;
}

.segregated-creditor {
background: linear-gradient(90deg, rgba(0, 14, 22, .75) 0%, rgba(0, 22, 36, .68) 52%, rgba(0, 24, 42, .5) 90%), url(https://twaweb.co/insurebizz/wp-content/uploads/2026/10/Potential-Creditor-Protection.jpg) center / cover no-repeat;}

.segregated-creditor>.container {}

.segregated-creditor p {
  margin: 18px 0 0;
}

.segregated-investments {
  background: radial-gradient(ellipse 52% 56% at 86% 8%, rgba(0, 107, 174, .28), transparent 64%), #000b18;
}

.segregated-investments-grid {
  grid-template-columns: repeat(5, 1fr);
}

.segregated-investments-grid article {
  min-height: 230px;
}

.segregated-investments-grid h3 {
  color: var(--accent);
}

.segregated-cta .business-overhead-cta-content {
  grid-column: 2;
}

.segregated-cta h2 {
  font-size: clamp(34px, 2.7vw, 56px);
}

.segregated-cta p {
  max-width: 900px;
}

.segregated-cta .business-overhead-cta-button {
  display: inline-flex;
  align-items: center;
}

@media (max-width: 1199px) {
  .segregated-investments-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 991px) {

  .segregated-intro,
  .segregated-benefits,
  .segregated-guarantees,
  .segregated-estate,
  .segregated-creditor,
  .segregated-investments {
    padding: 66px 0;
  }

  .segregated-intro-grid {
    gap: 38px;
  }

  .segregated-benefits-grid,
  .segregated-guarantees-grid,
  .segregated-investments-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .segregated-cta .business-overhead-cta-content {
    grid-column: 1 / -1;
  }
}

@media (max-width: 575px) {

  .segregated-intro,
  .segregated-benefits,
  .segregated-guarantees,
  .segregated-estate,
  .segregated-creditor,
  .segregated-investments {
    padding: 50px 0;
  }

  .segregated-intro-grid,
  .segregated-benefits-grid,
  .segregated-guarantees-grid,
  .segregated-investments-grid {
    grid-template-columns: 1fr;
  }

  .segregated-intro-image img {
    min-height: 0;
    max-width: 430px;
  }

  .segregated-page h2 {
    font-size: 40px;
  }

  .segregated-intro-content p,
  .segregated-section-heading p,
  .segregated-estate-content p,
  .segregated-creditor p,
  .segregated-guarantees-note {
    font-size: 18px;
  }

  .segregated-section-heading {
    margin-bottom: 30px;
  }

  .segregated-benefits-grid article,
  .segregated-guarantees-grid article,
  .segregated-investments-grid article {
    min-height: 0;
    padding: 26px 23px;
  }

  .segregated-estate-content {
    padding: 28px 24px;
  }

  .segregated-guarantees-note {
    padding: 19px 20px;
  }
}

/* Investment solutions overview — reference-led layout */
.investment-options-page {
  background: #000b1d;
  overflow: hidden;
}

.investment-options-page h1,
.investment-options-page h2 {
  zoom: normal;
}

.investment-options-hero {
  min-height: 500px;
  display: flex;
  align-items: center;
  background: #001021 center / cover no-repeat;
  position: relative;
  isolation: isolate;
}

.investment-options-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: radial-gradient(ellipse 44% 90% at 14% 50%, rgba(0, 39, 73, .45), transparent 72%), linear-gradient(90deg, rgba(0, 8, 23, .96) 0%, rgba(0, 15, 33, .86) 36%, rgba(0, 13, 28, .31) 62%, rgba(0, 8, 18, .02) 82%);
}

.investment-options-hero-copy {
  max-width: 610px;
}

.investment-options-hero h1 {
  margin: 0 0 17px;
  font-size: clamp(52px, 4.1vw, 78px);
  line-height: 1.04;
}

.investment-options-hero p {
  max-width: 550px;
  margin: 0;
  color: rgba(255, 255, 255, .9);
  font-size: 24px;
  line-height: 1.42;
}

.investment-options-content {
  padding: 72px 0 86px;
  background: radial-gradient(ellipse 42% 72% at 0% 42%, rgba(0, 71, 124, .24), transparent 74%), radial-gradient(ellipse 48% 68% at 100% 70%, rgba(0, 57, 103, .18), transparent 74%), #000b1c;
}

.investment-options-content h2 {
  margin: 0;
  font-size: clamp(44px, 3.6vw, 68px);
  line-height: 1.08;
}

.investment-options-content p,
.investment-options-content li {
  color: rgba(255, 255, 255, .9);
  font-size: 20px;
  line-height: 1.52;
}

.investment-options-help>h2 {
  margin-bottom: 28px;
}

.investment-options-help-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(42px, 7vw, 112px);
}

.investment-options-help-grid p,
.investment-options-market article p {
  margin: 0;
}

.investment-options-help-grid ul,
.investment-options-market ul {
  margin: 25px 0 0;
  padding: 0;
  list-style: none;
}

.investment-options-help-grid li,
.investment-options-market li {
  position: relative;
  margin-bottom: 15px;
  padding-left: 23px;
}

.investment-options-help-grid li::before,
.investment-options-market li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .68em;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 9px rgba(52, 209, 249, .8);
}

.investment-options-help-grid strong {
  color: var(--accent);
  font-weight: 400;
}

.investment-options-market {
  display: grid;
  grid-template-columns: minmax(280px, .95fr) 1fr;
  align-items: center;
  gap: clamp(44px, 7vw, 110px);
  margin-top: 86px;
}

.investment-options-market img {
  display: block;
  width: 100%;
  border: 1px solid rgba(52, 209, 249, .7);
  border-radius: 23px;
  box-shadow: 0 20px 42px rgba(0, 0, 0, .3);
}

.investment-options-market article h2 {
  margin-bottom: 26px;
}

.investment-options-legacy {
  display: none;
}

@media (max-width: 991px) {
  .investment-options-content {
    padding: 64px 0;
  }

  .investment-options-help-grid,
  .investment-options-market {
    gap: 38px;
  }

  .investment-options-market {
    margin-top: 64px;
  }
}

@media (max-width: 767px) {
  .investment-options-hero {
    min-height: 390px;
    background-position: 62% center;
  }

  .investment-options-hero::after {
    background: linear-gradient(90deg, rgba(0, 8, 23, .94), rgba(0, 14, 30, .7) 56%, rgba(0, 8, 18, .14));
  }

  .investment-options-hero h1 {
    font-size: 47px;
  }

  .investment-options-hero p {
    font-size: 20px;
  }

  .investment-options-content {
    padding: 48px 0 56px;
  }

  .investment-options-content h2 {
    font-size: 40px;
  }

  .investment-options-content p,
  .investment-options-content li {
    font-size: 18px;
  }

  .investment-options-help-grid,
  .investment-options-market {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .investment-options-market {
    margin-top: 50px;
  }
}

.investment-solutions-page {
  background: #000a19;
}

.investment-solutions-page h1,
.investment-solutions-page h2 {
  zoom: normal;
}

.investment-solutions-hero {
  min-height: 500px;
  position: relative;
  isolation: isolate;
  background-position: center;
}

.investment-solutions-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    radial-gradient(ellipse 44% 90% at 14% 50%, rgba(0, 39, 73, .45), transparent 72%),
    linear-gradient(90deg, rgba(0, 8, 23, .96) 0%, rgba(0, 15, 33, .86) 36%, rgba(0, 13, 28, .31) 62%, rgba(0, 8, 18, .02) 82%);
}

.investment-solutions-hero-copy {
  max-width: 610px;
}

.investment-solutions-hero h1 {
  margin: 0 0 17px;
  font-size: clamp(52px, 4.1vw, 78px);
  line-height: 1.04;
}

.investment-solutions-hero p {
  max-width: 550px;
  font-size: 24px;
  line-height: 1.42;
}

.investment-solutions-page .insurance-options-content {
  padding: 78px 0 88px;
  background:
    radial-gradient(ellipse 38% 62% at 2% 52%, rgba(0, 83, 139, .2), transparent 72%),
    radial-gradient(ellipse 44% 56% at 100% 66%, rgba(0, 65, 111, .16), transparent 70%),
    #000b1d;
}

.investment-solutions-page .insurance-options-content h2 {
  font-size: clamp(43px, 3.45vw, 67px);
  line-height: 1.08;
}

.investment-solutions-page .insurance-options-content p,
.investment-solutions-page .insurance-options-content li {
  color: rgba(255, 255, 255, .88);
  font-size: 20px;
  line-height: 1.52;
}

.investment-solutions-page .insurance-options-intro {
  grid-template-columns: 1fr 1.04fr;
  gap: clamp(46px, 7vw, 105px);
  align-items: start;
}

.investment-solutions-page .insurance-options-intro img {
  margin-top: 18px;
  border: 1px solid rgba(52, 209, 249, .7);
  border-radius: 23px;
  box-shadow: 0 20px 42px rgba(0, 0, 0, .3);
}

.investment-solutions-page .insurance-options-intro article {
  padding-top: 3px;
}

.investment-solutions-page .insurance-options-intro h2 {
  margin-bottom: 27px;
}

.investment-solutions-page .insurance-options-copy {
  padding: 62px 0 70px;
}

.investment-solutions-page .insurance-options-copy h2 {
  margin-bottom: 28px;
}

.investment-solutions-page .insurance-options-copy-grid {
  gap: clamp(35px, 6vw, 92px);
}

.investment-solutions-page .insurance-options-copy-grid p+p {
  padding-left: clamp(25px, 4vw, 64px);
  border-left: 1px solid rgba(52, 209, 249, .4);
}

.investment-solutions-page .insurance-options-plans {
  gap: clamp(46px, 7vw, 105px);
}

.investment-solutions-page .insurance-options-plans>article {
  padding-top: 16px;
}

.investment-solutions-page .insurance-options-plans h2 {
  margin-bottom: 26px;
}

.investment-solutions-page .insurance-options-list,
.investment-solutions-page .insurance-options-market ul {
  display: grid;
  gap: 16px;
  margin-top: 28px;
}

.investment-solutions-page .insurance-options-list li,
.investment-solutions-page .insurance-options-market li {
  margin: 0;
  padding-left: 27px;
}

.investment-solutions-page .insurance-options-list li::before,
.investment-solutions-page .insurance-options-market li::before {
  top: .7em;
  width: 10px;
  height: 10px;
  box-shadow: 0 0 10px rgba(52, 209, 249, .8);
}

.investment-solutions-page .insurance-options-market {
  grid-template-columns: minmax(240px, .85fr) 1.15fr;
  gap: clamp(35px, 5vw, 72px);
}

.investment-solutions-page .insurance-options-market img {
  border-radius: 22px;
  box-shadow: 0 20px 42px rgba(0, 0, 0, .3);
}

.investment-solutions-page .insurance-options-market h2 {
  margin-top: 0;
}

@media (max-width: 991px) {
  .investment-solutions-page .insurance-options-content {
    padding: 64px 0;
  }

  .investment-solutions-page .insurance-options-intro,
  .investment-solutions-page .insurance-options-plans {
    gap: 38px;
  }

  .investment-solutions-page .insurance-options-copy {
    padding: 52px 0;
  }
}

@media (max-width: 767px) {
  .investment-solutions-hero {
    min-height: 390px;
    background-position: 62% center;
  }

  .investment-solutions-hero::after {
    background: linear-gradient(90deg, rgba(0, 8, 23, .94), rgba(0, 14, 30, .7) 56%, rgba(0, 8, 18, .14));
  }

  .investment-solutions-hero h1 {
    font-size: 47px;
  }

  .investment-solutions-hero p {
    font-size: 20px;
  }

  .investment-solutions-page .insurance-options-content {
    padding: 48px 0 56px;
  }

  .investment-solutions-page .insurance-options-content h2 {
    font-size: 40px;
  }

  .investment-solutions-page .insurance-options-content p,
  .investment-solutions-page .insurance-options-content li {
    font-size: 18px;
  }

  .investment-solutions-page .insurance-options-intro img {
    grid-row: auto;
    margin-top: 0;
  }

  .investment-solutions-page .insurance-options-copy {
    padding: 46px 0;
  }

  .investment-solutions-page .insurance-options-copy-grid p+p {
    padding: 25px 0 0;
    border: 0;
    border-top: 1px solid rgba(52, 209, 249, .4);
  }

  .investment-solutions-page .insurance-options-market {
    gap: 28px;
  }
}

/* Insurance options: plans and market layout */
@media (min-width: 768px) {
  .insurance-options-page .insurance-options-content>.container {
    width: calc(100% - 100px);
    max-width: 1640px;
    padding-right: 0;
    padding-left: 0;
  }

  .insurance-options-page .insurance-options-plans {
    grid-template-columns: minmax(0, .87fr) minmax(0, 1fr);
    column-gap: clamp(54px, 7.7vw, 120px);
    align-items: start;
  }

  .insurance-options-page .insurance-options-market {
    display: block;
  }

  .insurance-options-page .insurance-options-market>img {
    width: 100%;
    margin-top: 0;
  }

  .insurance-options-page .insurance-options-market>article {
    margin-top: 34px;
  }
}

@media (max-width: 767px) {
  .insurance-options-page .insurance-options-content>.container {
    width: calc(100% - 32px);
    padding-right: 0;
    padding-left: 0;
  }
}

.blog-img-details img {
  width: 100% !important;
  margin: 20px 0px;
}

.bannTitle {
  font-size: 32px;
  text-align: center !important;
  margin-bottom: 20px !important;
}

.blog-details-wraper h1 {
  font-size: 32px;
  text-align: center !important;
  margin-bottom: 20px !important;
}

.blog-details-wraper img {
  width: 100% !important;
  margin: 20px 0px;
}

.blog-single-wraper {
  padding: 50px 0px;
}

.cta-left {
  /* max-width: 550px; */
  padding:25px;
}

/* Investment Solutions: refreshed overview */
.investment-solutions-page {
  overflow: hidden;
  background: #000914;
}

.investment-solutions-page h1,
.investment-solutions-page h2 {
  zoom: normal;
}

.investment-solutions-page h1 span,
.investment-solutions-page h2 span {
  color: var(--accent);
}

.investment-solutions-eyebrow {
  margin: 0 0 14px;
  color: var(--accent) !important;
  font-size: 16px !important;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
}

.investment-solutions-page .investment-solutions-hero {
  min-height: 560px;
  display: flex;
  align-items: center;
  position: relative;
  isolation: isolate;
  background-position: center;
  background-size: cover;
  border-bottom: 1px solid var(--line);
}

.investment-solutions-page .investment-solutions-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(90deg, rgba(0, 7, 15, .93), rgba(0, 7, 15, .59) 48%, rgba(0, 7, 15, .1));
}

.investment-solutions-page .investment-solutions-hero-copy {
  max-width: 690px;
}

.investment-solutions-page .investment-solutions-hero h1 {
  margin: 0 0 18px;
  font-size: clamp(52px, 4.4vw, 82px);
  line-height: 1;
}

.investment-solutions-page .investment-solutions-hero p:not(.investment-solutions-eyebrow) {
  max-width: 610px;
  margin: 0;
  color: var(--muted);
  font-size: 24px;
  line-height: 1.35;
}

.investment-solutions-intro,
.investment-solutions-personalized,
.investment-solutions-explore,
.investment-solutions-segregated {
  padding: 86px 0;
  border-bottom: 1px solid var(--line);
}

.investment-solutions-intro {
  background: radial-gradient(ellipse at 14% 48%, rgba(0, 111, 180, .3), transparent 44%), linear-gradient(112deg, #000811, #001d34 60%, #000b17);
}

.investment-solutions-intro-grid {
  display: grid;
  grid-template-columns: minmax(290px, .82fr) minmax(0, 1.18fr);
  align-items: center;
  gap: clamp(44px, 7vw, 110px);
}

.investment-solutions-intro-grid>img {
  width: 100%;
  border: 1px solid rgba(52, 209, 249, .68);
  border-radius: 22px;
  box-shadow: 0 20px 45px rgba(0, 0, 0, .28);
}

.investment-solutions-page h2 {
  margin: 0 0 20px;
  font-size: clamp(42px, 3.35vw, 68px);
  line-height: 1.08;
}

.investment-solutions-intro-grid p:not(.investment-solutions-eyebrow),
.investment-solutions-heading>p:not(.investment-solutions-eyebrow),
.investment-solutions-segregated-copy>p:not(.investment-solutions-eyebrow),
.investment-solutions-cta p:not(.investment-solutions-eyebrow) {
  color: var(--muted);
  font-size: 19px;
  line-height: 1.46;
}

.investment-solutions-intro-grid p:not(.investment-solutions-eyebrow) {
  margin: 0 0 18px;
}

.investment-solutions-intro-grid p:last-child {
  margin-bottom: 0;
}

.investment-solutions-personalized {
  background: #000a14;
}

.investment-solutions-heading {
  max-width: 920px;
  margin-bottom: 42px;
}

.investment-solutions-heading>p:not(.investment-solutions-eyebrow) {
  margin: 0;
}

.investment-solutions-approach {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  border: 1px solid rgba(52, 209, 249, .38);
  background: rgba(52, 209, 249, .38);
}

.investment-solutions-approach article {
  min-height: 220px;
  padding: 32px;
  background: #00101f;
}

.investment-solutions-approach span,
.investment-solutions-grid>a>span {
  display: block;
  margin-bottom: 22px;
  color: var(--accent);
  font: 600 42px/1 "Barlow Condensed", sans-serif;
}

.investment-solutions-approach h3 {
  margin: 0 0 13px;
  font-size: 28px;
}

.investment-solutions-approach p {
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.42;
}

.investment-solutions-explore {
  background: radial-gradient(ellipse at 85% 12%, rgba(0, 111, 180, .25), transparent 40%), linear-gradient(115deg, #00182c, #000811 66%);
}

.investment-solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 17px;
}

.investment-solutions-grid>a {
  min-height: 260px;
  padding: 29px;
  border: 1px solid rgba(52, 209, 249, .3);
  border-radius: 14px;
  background: linear-gradient(145deg, rgba(5, 49, 78, .66), rgba(1, 15, 28, .9));
  transition: transform .25s ease, border-color .25s ease;
}

.investment-solutions-grid>a:hover,
.investment-solutions-grid>a:focus-visible {
  transform: translateY(-5px);
  border-color: var(--accent);
}

.investment-solutions-grid>a>span {
  margin-bottom: 18px;
  font-size: 36px;
}

.investment-solutions-grid h3 {
  margin: 0 0 13px;
  color: var(--accent);
  font-size: 27px;
  line-height: 1.1;
}

.investment-solutions-grid h3 em {
  color: #fff;
  font-size: .75em;
  font-style: normal;
}

.investment-solutions-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
  line-height: 1.42;
}

.investment-solutions-segregated {
  background: radial-gradient(ellipse at 13% 44%, rgba(0, 106, 173, .32), transparent 43%), #000a15;
}

.investment-solutions-segregated-copy {
  max-width: 970px;
}

.investment-solutions-segregated-copy>p:not(.investment-solutions-eyebrow) {
  margin: 0;
}

.investment-solutions-benefits {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  margin-top: 42px;
  border: 1px solid rgba(52, 209, 249, .42);
  background: rgba(52, 209, 249, .42);
}

.investment-solutions-benefits article {
  min-height: 170px;
  padding: 29px 31px;
  background: #00101f;
}

.investment-solutions-benefits h3 {
  margin: 0 0 12px;
  color: var(--accent);
  font-size: 27px;
}

.investment-solutions-benefits p {
  margin: 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.42;
}

.investment-solutions-cta {
  min-height: 306px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  background: #00102a url('../img/lets-bg.png') center / cover no-repeat;
}

.investment-solutions-cta-inner {
  min-height: 306px;
  display: grid;
  grid-template-columns: 38% 62%;
  align-items: center;
}

.investment-solutions-cta-inner>div:last-child {
  padding: 34px 0 34px 42px;
}

.investment-solutions-cta h2 {
  margin-bottom: 14px;
  color: #fff;
  font-size: clamp(36px, 2.8vw, 56px);
}

.investment-solutions-cta p:not(.investment-solutions-eyebrow) {
  max-width: 900px;
  margin: 0 0 18px;
  color: var(--accent);
  line-height: 1.35;
}

.investment-solutions-cta .pill-btn {
  min-height: 48px;
  margin-top: 8px;
  padding: 6px 6px 6px 27px;
  gap: 24px;
  font-size: 18px;
}

.investment-solutions-cta .pill-btn span {
  width: 34px;
  height: 34px;
  font-size: 18px;
}

@media (max-width: 991px) {

  .investment-solutions-intro,
  .investment-solutions-personalized,
  .investment-solutions-explore,
  .investment-solutions-segregated {
    padding: 64px 0;
  }

  .investment-solutions-intro-grid {
    gap: 38px;
  }

  .investment-solutions-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .investment-solutions-cta-inner {
    grid-template-columns: 34% 66%;
  }

  .investment-solutions-cta-inner>div:last-child {
    padding-left: 20px;
  }
}

@media (max-width: 575px) {
  .investment-solutions-page .investment-solutions-hero {
    min-height: 410px;
    background-position: 62% center;
  }

  .investment-solutions-page .investment-solutions-hero h1 {
    font-size: 47px;
  }

  .investment-solutions-page .investment-solutions-hero p:not(.investment-solutions-eyebrow) {
    font-size: 19px;
  }

  .investment-solutions-intro,
  .investment-solutions-personalized,
  .investment-solutions-explore,
  .investment-solutions-segregated {
    padding: 48px 0;
  }

  .investment-solutions-intro-grid,
  .investment-solutions-grid,
  .investment-solutions-benefits,
  .investment-solutions-cta-inner,
  .investment-solutions-approach {
    grid-template-columns: 1fr;
  }

  .investment-solutions-intro-grid>img {
    max-width: 430px;
    margin: auto;
  }

  .investment-solutions-page h2 {
    font-size: 39px;
  }

  .investment-solutions-intro-grid p:not(.investment-solutions-eyebrow),
  .investment-solutions-heading>p:not(.investment-solutions-eyebrow),
  .investment-solutions-segregated-copy>p:not(.investment-solutions-eyebrow),
  .investment-solutions-cta p:not(.investment-solutions-eyebrow) {
    font-size: 18px;
  }

  .investment-solutions-heading {
    margin-bottom: 30px;
  }

  .investment-solutions-approach article,
  .investment-solutions-grid>a,
  .investment-solutions-benefits article {
    min-height: 0;
    padding: 26px 23px;
  }

  .investment-solutions-cta {
    min-height: 0;
    background-position: center;
  }

  .investment-solutions-cta-inner {
    min-height: 0;
  }

  .investment-solutions-cta-spacer {
    display: none;
  }

  .investment-solutions-cta-inner>div:last-child {
    padding: 48px 0;
  }

  .investment-solutions-cta h2 {
    font-size: 39px;
  }
  .business-overhead-cta-image img{
    margin-bottom: 0px;
  }
}