/* Workers Compensation Insurance Brokers — steel-blue / safety-orange / slate (not BIA forest twin) */
:root{
  --wcib-ink:#1e293b;
  --wcib-steel:#2b4c7e;
  --wcib-slate:#1e293b;
  --wcib-steel-mid:#3a6ea5;
  --wcib-orange:#e85d04;
  --wcib-orange-soft:#f48c06;
  --wcib-orange-ink:#9a3412;
  --wcib-mist:#f1f5f9;
  --wcib-paper:#f8fafc;
  --wcib-muted:#64748b;
  --wcib-line:#cbd5e1;
  --wcib-focus:#2563eb;
  --wcib-danger:#9b1c1c;
  --wcib-ok:#0f766e;
  --wcib-shadow:0 6px 18px #1e293b14;
  --wcib-radius:12px;
  --wcib-max:1100px;
  --wcib-font:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --wcib-display:"IBM Plex Sans",Inter,ui-sans-serif,system-ui,sans-serif;
  --wcib-header-h:60px;
  /* aliases so leftover forest/gold refs still resolve */
  --wcib-forest:var(--wcib-steel);
  --wcib-forest-deep:var(--wcib-slate);
  --wcib-canopy:var(--wcib-steel-mid);
  --wcib-gold:var(--wcib-orange);
  --wcib-gold-soft:var(--wcib-orange-soft);
  --wcib-gold-ink:var(--wcib-orange-ink);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--wcib-font);color:var(--wcib-ink);
  background:var(--wcib-paper);line-height:1.65;
  font-size:1rem;
}
img,svg{display:block;max-width:100%}
a{color:var(--wcib-canopy);text-underline-offset:.18em}
a:hover{color:var(--wcib-gold-ink)}
:focus-visible{outline:3px solid var(--wcib-focus);outline-offset:2px}
/* Skip link: visually hidden until keyboard focus */
.skip,.wcib-skip{
  position:absolute;left:.75rem;top:-60px;z-index:1000;
  background:var(--wcib-gold);color:var(--wcib-ink);font-weight:700;
  text-decoration:none;border-radius:8px;padding:.65rem .9rem;
  transition:top .15s ease;
}
.skip:focus,.wcib-skip:focus,
.skip:focus-visible,.wcib-skip:focus-visible{
  top:.75rem;outline:3px solid var(--wcib-forest);outline-offset:2px;
}
.wcib-shell{width:min(var(--wcib-max),calc(100% - 2rem));margin-inline:auto}

/* Compact sticky header ~60px — thin gold rule, not giant bar / not full amber stripe */
.wcib-top{
  position:sticky;top:0;z-index:50;
  background:rgba(255,252,248,.96);backdrop-filter:saturate(1.1) blur(8px);
  color:var(--wcib-ink);
  border-bottom:1px solid var(--wcib-line);
  box-shadow:0 1px 0 #e85d04
}
.wcib-top__inner{
  display:flex;justify-content:space-between;align-items:center;gap:1rem;
  min-height:var(--wcib-header-h);height:var(--wcib-header-h);padding:0
}
.wcib-brand{
  display:flex;align-items:center;gap:.65rem;color:var(--wcib-ink);
  text-decoration:none;min-width:0
}
.wcib-brand:hover{color:var(--wcib-ink)}
.wcib-brand__glyph{flex:0 0 34px;width:34px;height:34px}
.wcib-brand__text{display:flex;flex-direction:column;line-height:1.05;gap:.08rem}
.wcib-brand__name{
  font-family:var(--wcib-display);font-size:.98rem;font-weight:700;letter-spacing:-.01em
}
.wcib-brand__name em{font-style:normal;color:var(--wcib-gold-ink)}
.wcib-brand__tag{
  font-size:.62rem;font-weight:600;letter-spacing:0.02em;text-transform:uppercase;
  color:var(--wcib-muted)
}
.wcib-menu-btn{
  display:none;color:var(--wcib-forest);background:transparent;
  border:1.5px solid var(--wcib-line);border-radius:8px;
  min-height:40px;padding:.35rem .75rem;font:inherit;font-weight:700
}
.wcib-nav{display:flex;align-items:center;gap:.85rem;flex-wrap:wrap}
.wcib-nav a{
  display:inline-flex;align-items:center;min-height:40px;padding:.25rem .1rem;
  color:var(--wcib-ink);font-size:.9rem;font-weight:600;text-decoration:none
}
.wcib-nav a:hover,.wcib-nav a[aria-current=page]{color:var(--wcib-canopy)}
.wcib-nav .wcib-action{min-height:38px;padding:.45rem 1rem;font-size:.88rem}

/* CTAs — slightly tighter than old pill-heavy chrome */
.wcib-action{
  display:inline-flex;justify-content:center;align-items:center;gap:.35rem;
  min-height:42px;padding:.65rem 1.15rem;border:0;border-radius:10px;
  background:var(--wcib-gold);color:var(--wcib-ink);
  font:inherit;font-size:.92rem;font-weight:700;text-decoration:none;cursor:pointer;
  box-shadow:0 1px 0 #00000012
}
.wcib-action:hover{background:var(--wcib-gold-soft);color:var(--wcib-ink)}
.wcib-action--ink{background:var(--wcib-steel);color:#fff}
.wcib-action--ink:hover{background:var(--wcib-canopy);color:#fff}
.wcib-action--ghost{
  background:transparent;color:var(--wcib-forest);
  border:1.5px solid var(--wcib-line);box-shadow:none
}
.wcib-action--ghost:hover{border-color:var(--wcib-gold);color:var(--wcib-gold-ink);background:#fff}

/* Modest hero — short fold, content starts quickly (not split-panel half page) */
.wcib-hero{
  background:linear-gradient(180deg,var(--wcib-mist),var(--wcib-paper) 85%);
  border-bottom:1px solid var(--wcib-line);
  padding:1.35rem 0 1.15rem
}
.wcib-hero .wcib-shell{max-width:42rem}
.wcib-hero h1{
  margin:0 0 .65rem;font-family:var(--wcib-display);
  font-size:clamp(1.55rem,3.2vw,2.05rem);font-weight:700;line-height:1.2;
  letter-spacing:-.015em;max-width:22ch
}
.wcib-hero .intro{margin:0 0 1rem;color:var(--wcib-muted);font-size:1.02rem;max-width:46ch}
.wcib-hero .cta-row{margin:0}

/* Slim trust/proof strip under hero */
.wcib-proof{
  background:var(--wcib-steel);color:#e2e8f0;
  border-bottom:1px solid var(--wcib-slate)
}
.wcib-proof__inner{
  display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;
  padding:.85rem 0;font-size:.9rem
}
.wcib-proof strong{display:block;color:#fff;font-size:1.05rem;font-weight:700}
.wcib-proof span{color:#94a3b8;font-size:.82rem;line-height:1.35}

.eyebrow{
  display:inline-flex;align-items:center;gap:.35rem;margin:0 0 .55rem;
  color:var(--wcib-gold-ink);font-size:.72rem;font-weight:700;
  letter-spacing:0.02em;text-transform:uppercase
}
.eyebrow::before{
  content:"";width:1.1rem;height:2px;background:var(--wcib-gold);border-radius:2px
}
h1{
  margin:0 0 .75rem;font-family:var(--wcib-display);
  font-size:clamp(1.55rem,3.2vw,2.15rem);font-weight:700;line-height:1.2;
  letter-spacing:-.015em
}
h2{
  margin:0 0 .75rem;font-family:var(--wcib-display);
  font-size:clamp(1.25rem,2.2vw,1.55rem);font-weight:700;line-height:1.25
}
h3{margin:0 0 .4rem;font-size:1.02rem;font-weight:700}
.intro,.band__lede{margin:0 0 1rem;color:var(--wcib-muted);max-width:62ch}
.cta-row{display:flex;flex-wrap:wrap;gap:.65rem;align-items:center}

/* Interior mast — compact, not huge fold */
.mast{
  padding:1.1rem 0 .9rem;background:var(--wcib-mist);
  border-bottom:1px solid var(--wcib-line)
}
.mast .intro{margin-bottom:.85rem}
.rail-page__body{padding-top:.25rem}

.band{padding:1.75rem 0}
.band--mist{background:var(--wcib-mist);border-block:1px solid var(--wcib-line)}
.band--tight{padding:1.35rem 0}

.chip-row,.tag-cloud,.dense-list{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.55rem}
.chip-row a,.tag-cloud a{
  display:inline-flex;flex-direction:column;gap:.15rem;
  padding:.55rem .85rem;border:1px solid var(--wcib-line);border-radius:10px;
  background:#fff;text-decoration:none;color:var(--wcib-ink);min-width:9rem
}
.chip-row a:hover,.tag-cloud a:hover{border-color:var(--wcib-gold);box-shadow:var(--wcib-shadow)}
.chip-row strong,.dense-list strong{font-weight:700}
.chip-row span,.dense-list span{font-size:.78rem;color:var(--wcib-muted)}
.dense-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.45rem 1rem}
.dense-list a{
  display:flex;justify-content:space-between;align-items:baseline;gap:.75rem;
  padding:.55rem .7rem;border-bottom:1px solid var(--wcib-line);
  text-decoration:none;color:var(--wcib-ink)
}
.dense-list a:hover{color:var(--wcib-canopy)}

.timeline{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.timeline__step{
  background:#fff;border:1px solid var(--wcib-line);border-radius:var(--wcib-radius);
  padding:1rem 1.05rem;counter-increment:step
}
.timeline{counter-reset:step}
.timeline__step h3::before{
  content:counter(step) ". ";color:var(--wcib-gold-ink)
}
.timeline__step p{margin:.35rem 0 0;color:var(--wcib-muted);font-size:.92rem}

.mosaic{display:grid;gap:1rem}
.mosaic--duo{grid-template-columns:repeat(2,minmax(0,1fr))}
.panel-card{
  display:block;padding:1rem 1.1rem;border:1px solid var(--wcib-line);
  border-radius:var(--wcib-radius);background:#fff;text-decoration:none;color:var(--wcib-ink)
}
.panel-card:hover{border-color:var(--wcib-gold);box-shadow:var(--wcib-shadow)}
.panel-card h3{margin:0 0 .35rem;font-size:1.05rem}
.panel-card p{margin:0 0 .55rem;color:var(--wcib-muted);font-size:.92rem}
.panel-card__more{font-size:.82rem;font-weight:700;color:var(--wcib-canopy)}

.invite{
  display:flex;justify-content:space-between;align-items:center;gap:1.25rem;
  padding:1.15rem 1.25rem;border-radius:var(--wcib-radius);
  background:var(--wcib-steel);color:#e2e8f0
}
.invite h2{color:#fff;margin:0 0 .35rem}
.invite p{margin:0;color:#94a3b8}

.copy-block p{margin:0 0 1rem}
.copy-block h2{margin:1.4rem 0 .7rem}
.faq-block details{
  border:1px solid var(--wcib-line);border-radius:10px;background:#fff;
  padding:.65rem .9rem;margin:0 0 .55rem
}
.faq-block summary{cursor:pointer;font-weight:700}
.faq-block details p{margin:.55rem 0 0;color:var(--wcib-muted)}

.trail{margin:0 0 .75rem}
.trail ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.35rem;font-size:.85rem;color:var(--wcib-muted)}
.trail li:not(:last-child)::after{content:"/";margin-left:.35rem;color:var(--wcib-line)}
.trail a{color:var(--wcib-canopy);text-decoration:none}
.alpha-block{margin:1.1rem 0}
.alpha-block h3{margin:0 0 .45rem;color:var(--wcib-forest)}
.letter-jump{font-size:.88rem;margin:0 0 1rem}

/* Forms */
.callout{
  background:var(--wcib-mist);border:1px solid var(--wcib-line);
  border-radius:10px;padding:.85rem 1rem;margin:0 0 1rem
}
.callout p{margin:0;font-size:.94rem}
.form-cols{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form-cols--3{grid-template-columns:1fr 1fr 1fr}
.field{margin:0 0 1rem}
.field label{display:block;font-weight:600;margin:0 0 .35rem;font-size:.92rem}
.field input,.field select,.field textarea{
  width:100%;min-height:42px;padding:.55rem .7rem;border:1.5px solid var(--wcib-line);
  border-radius:8px;font:inherit;background:#fff
}
.field textarea{min-height:7rem;resize:vertical}
.hint{display:block;margin-top:.3rem;font-size:.82rem;color:var(--wcib-muted);font-weight:500}
.check{display:flex;gap:.65rem;align-items:flex-start;font-weight:500}
.check input{margin-top:.3rem;flex:0 0 auto}
.hp-field{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.form-status{margin:0 0 1rem;padding:.65rem .85rem;border-radius:8px;font-weight:600}
.form-status.ok,.form-status[data-ok=true]{background:#e8f6ec;color:var(--wcib-ok)}
.form-status.err,.form-status[data-ok=false]{background:#fdecec;color:var(--wcib-danger)}

/* Footer compact */
.wcib-foot{background:var(--wcib-slate);color:#94a3b8;padding:2rem 0 1.5rem;margin-top:1rem}
.wcib-foot a{color:#e2e8f0}
.wcib-foot h2{color:#fff;font-size:.95rem;margin:0 0 .65rem;font-family:var(--wcib-font);font-weight:700;letter-spacing:0.02em;text-transform:none}
.wcib-foot__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:1.5rem}
.wcib-foot ul{list-style:none;margin:0;padding:0}
.wcib-foot li{margin:0 0 .4rem}
.wcib-foot__legal{margin-top:1.5rem;padding-top:1rem;border-top:1px solid #ffffff22;font-size:.85rem}
.wcib-foot__legal p{margin:0 0 .5rem}

@media (max-width:900px){
  .wcib-proof__inner,.timeline,.mosaic--duo,.wcib-foot__grid,.dense-list,.form-cols,.form-cols--3{grid-template-columns:1fr}
  .invite{flex-direction:column;align-items:flex-start}
  .wcib-menu-btn{display:inline-flex}
  .wcib-nav{
    display:none;position:absolute;left:0;right:0;top:var(--wcib-header-h);
    background:var(--wcib-paper);border-bottom:1px solid var(--wcib-line);
    flex-direction:column;align-items:stretch;padding:.75rem 1rem 1rem;gap:.25rem
  }
  .wcib-nav.open{display:flex}
  .wcib-top{position:relative}
  .wcib-top__inner{position:relative}
}
@media (max-width:640px){
  .chip-row a{min-width:calc(50% - .55rem)}
}


/* Rail accent for interior pages */
.rail-page{position:relative}
.rail-page::before{
  content:"";position:absolute;left:0;top:0;bottom:0;width:4px;
  background:linear-gradient(180deg,var(--wcib-gold),var(--wcib-forest));
  opacity:.85;pointer-events:none
}
@media (max-width:900px){.rail-page::before{display:none}}

/* Quote panel helpers (if referenced) */
.meta{font-size:.82rem;color:var(--wcib-muted)}
.wcib-nav.open{display:flex}


/* —— Quote form card grid (aligned labels-above; 2-col desktop / 1-col mobile) —— */
.legal-quiet{color:#94a3b8;font-size:.8rem;margin-top:.55rem}
.fields-2{
  display:grid;grid-template-columns:1fr 1fr;gap:1rem 1.15rem;
  align-items:start;margin:0
}
.fields-3{
  display:grid;grid-template-columns:1.25fr .9fr .75fr;gap:1rem 1.15rem;
  align-items:start;margin:0
}
.quote-panel{
  background:#fff;border:1px solid var(--wcib-line,#cbd5e1);
  border-radius:16px;box-shadow:0 14px 36px #1e293b12;
  padding:1.5rem 1.5rem 1.75rem;margin:0 auto 1.5rem;max-width:720px
}
.quote-panel__head{
  margin:0 0 1.15rem;padding-bottom:1rem;
  border-bottom:1px solid var(--wcib-line,#e8e2d6)
}
.quote-panel__badge{
  display:inline-block;margin:0 0 .55rem;padding:.3rem .7rem;
  background:var(--wcib-forest,#2b4c7e);color:#fff;border-radius:999px;
  font-size:.75rem;font-weight:700;letter-spacing:0;text-transform:none;line-height:1.2
}
.quote-panel__head h2{
  margin:0 0 .45rem;font-family:var(--wcib-display,Georgia,serif);
  font-size:clamp(1.35rem,2.4vw,1.75rem);line-height:1.2;color:var(--wcib-forest,#2b4c7e);
  letter-spacing:0
}
.quote-panel__lede{margin:0;color:var(--wcib-muted,#5a645c);font-size:.95rem;line-height:1.55}
.quote-callout{
  border:1px solid #fed7aa;background:linear-gradient(180deg,#fff7ed,#fff);
  border-radius:12px;padding:.9rem 1.05rem;margin:0 0 .75rem
}
.quote-callout--soft{background:#f1f5f9;border-color:var(--wcib-line,#cbd5e1)}
.quote-callout p{margin:0;font-size:.9rem;line-height:1.55;color:var(--wcib-ink,#1e293b)}
.quote-legal-links{margin:0 0 1rem;font-size:.9rem;color:var(--wcib-muted)}
.quote-form{margin-top:1.1rem;display:block}
.quote-form .field{
  margin:0 0 1rem;min-width:0;display:flex;flex-direction:column;gap:.35rem
}
.quote-form .field > label{
  display:block;font-weight:700;font-size:.92rem;color:var(--wcib-ink,#1e293b);
  margin:0;line-height:1.3
}
.quote-form .field .hint,.opt-tag{margin:0;color:var(--wcib-muted);font-weight:500;font-size:.84rem}
.opt-tag{font-weight:500}
.quote-form .field input,
.quote-form .field select,
.quote-form .field textarea{
  display:block;width:100%;max-width:100%;box-sizing:border-box;
  margin:0;font:inherit;color:var(--wcib-ink);
  border-radius:10px;border:1.5px solid var(--wcib-line,#d5cec0);background:#fff;
  padding:.78rem .9rem;min-height:46px;line-height:1.35;
  transition:border-color .15s,box-shadow .15s
}
.quote-form .field textarea{min-height:7.5rem;resize:vertical;padding-top:.85rem}
.quote-form .field input:hover,
.quote-form .field select:hover,
.quote-form .field textarea:hover{border-color:#b8b09e}
.quote-form .field input:focus,
.quote-form .field select:focus,
.quote-form .field textarea:focus{
  border-color:var(--wcib-canopy,#3a6ea5);outline:none;box-shadow:0 0 0 3px #3a6ea533
}
.quote-form .field--email > label{color:var(--wcib-forest,#2b4c7e);font-weight:800}
.quote-form .field--email input{border-color:#93c5fd;background:#eff6ff}
.quote-step{
  border:1px solid var(--wcib-line,#cbd5e1);border-radius:14px;
  margin:0 0 1.15rem;padding:1.05rem 1.1rem .45rem;background:#f8fafc;
  display:block;min-width:0
}
.quote-step legend{
  display:block;float:none;width:100%;padding:0 0 .7rem;margin:0 0 .55rem;
  font-weight:800;font-size:1rem;letter-spacing:0;text-transform:none;
  color:var(--wcib-forest,#2b4c7e);border-bottom:1px solid #cbd5e1;line-height:1.3
}
.quote-step--submit{background:#fff;border-color:#cbd5e1;padding-bottom:1.1rem}
.quote-submit{
  width:100%;margin-top:.5rem;padding:1rem 1.15rem;font-size:1.05rem;
  border-radius:12px;border:0;cursor:pointer;min-height:50px
}
.consent-box{margin:.5rem 0 .85rem}
.quote-form label.check,
.quote-form label.check--consent{
  display:grid;grid-template-columns:1.25rem 1fr;column-gap:.8rem;row-gap:0;
  align-items:start;width:100%;max-width:100%;box-sizing:border-box;
  margin:0;padding:.95rem 1rem;background:#fff;border:1px solid #cbd5e1;
  border-radius:12px;font-weight:500;cursor:pointer
}
.quote-form label.check input[type=checkbox],
.quote-form label.check--consent input[type=checkbox]{
  grid-column:1;grid-row:1;width:1.15rem;height:1.15rem;margin:.2rem 0 0;
  flex:none
}
.quote-form label.check .check__text,
.quote-form label.check > span,
.quote-form label.check--consent .check__text,
.quote-form label.check--consent > span{
  grid-column:2;grid-row:1;min-width:0;max-width:100%;
  white-space:normal;overflow-wrap:anywhere;word-break:normal;
  line-height:1.55;font-size:.9rem;color:var(--wcib-ink)
}
.quote-form label.check--consent:has(input:focus-visible){
  outline:3px solid var(--wcib-focus);outline-offset:2px
}
.hp-field{position:absolute;left:-9999px;height:0;overflow:hidden;opacity:0}
.form-status{border-radius:8px;margin:1rem 0;padding:.85rem 1rem;font-weight:600}
.form-status.ok{background:#e8f6ec;color:var(--wcib-ok,#1f6b3a)}
.form-status.err{background:#fdecec;color:var(--wcib-danger,#9b1c1c)}
@media (max-width:900px){
  .fields-2,.fields-3{grid-template-columns:1fr}
  .quote-panel{padding:1.15rem 1rem 1.35rem;border-radius:14px}
  .quote-step{padding:.9rem .85rem .35rem}
}