/* Business Insurance Agency — distinct from BIB sticky-navy / cream-band twin */

:root{
  --bia-ink:#14201a;
  --bia-forest:#1b4338;
  --bia-forest-deep:#0f2a22;
  --bia-canopy:#2d6a4f;
  --bia-gold:#b8893a;
  --bia-gold-soft:#d4a24e;
  --bia-gold-ink:#5c4010;
  --bia-mist:#f7f3eb;
  --bia-paper:#fffcf8;
  --bia-muted:#5a645c;
  --bia-line:#e0d9cc;
  --bia-focus:#2f6fed;
  --bia-danger:#9b1c1c;
  --bia-ok:#1f6b3a;
  --bia-shadow:0 8px 24px #14201a0f;
  --bia-radius:18px;
  --bia-max:1180px;
  --bia-font:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --bia-display:"Source Serif 4",Georgia,"Times New Roman",serif;
  --bia-rail:4px
}
*,:before,:after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;min-height:100vh;
  font-family:var(--bia-font);color:var(--bia-ink);
  background:var(--bia-paper);line-height:1.7;
  font-size:1.02rem
}
img,svg{max-width:100%;display:block}
a{color:var(--bia-canopy);text-underline-offset:.18em}
a:hover{color:var(--bia-gold-ink)}
:focus-visible{outline:3px solid var(--bia-focus);outline-offset:3px}
.bia-skip{
  position:absolute;top:-3.5rem;left:1rem;z-index:100;
  background:var(--bia-gold);color:var(--bia-ink);
  border-radius:999px;padding:.55rem 1rem;font-weight:700;text-decoration:none
}
.bia-skip:focus{top:1rem}
.bia-shell{width:min(var(--bia-max),calc(100% - 2.5rem));margin-inline:auto}

/* Light paper header — not sticky navy */
.bia-top{
  position:relative;z-index:40;
  background:var(--bia-paper);color:var(--bia-ink);
  border-bottom:1px solid var(--bia-line)
}
.bia-top::after{
  content:"";display:block;height:3px;
  background:linear-gradient(90deg,var(--bia-gold) 0%,var(--bia-gold-soft) 40%,transparent 100%)
}
.bia-top__inner{
  display:flex;justify-content:space-between;align-items:center;gap:1.25rem;
  min-height:4.75rem;padding:.35rem 0
}
.bia-brand{
  display:flex;align-items:center;gap:.85rem;color:var(--bia-ink);
  text-decoration:none;min-width:0
}
.bia-brand:hover{color:var(--bia-ink)}
.bia-brand__glyph{
  flex:0 0 46px;width:46px;height:46px
}
.bia-brand__text{display:flex;flex-direction:column;line-height:1.1;gap:.12rem}
.bia-brand__name{
  font-family:var(--bia-display);font-size:1.08rem;font-weight:700;letter-spacing:-.01em
}
.bia-brand__name em{font-style:normal;color:var(--bia-gold-ink)}
.bia-brand__tag{
  font-size:.66rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--bia-muted)
}
.bia-menu-btn{
  display:none;color:var(--bia-forest);background:transparent;
  border:1.5px solid var(--bia-line);border-radius:999px;
  min-height:44px;padding:.45rem .9rem;font:inherit;font-weight:700
}
.bia-nav{display:flex;align-items:center;gap:1.05rem;flex-wrap:wrap}
.bia-nav a{
  display:inline-flex;align-items:center;min-height:44px;padding:.35rem .15rem;
  color:var(--bia-ink);font-size:.92rem;font-weight:600;text-decoration:none
}
.bia-nav a:hover,.bia-nav a[aria-current=page]{color:var(--bia-canopy)}

/* Rounded-pill CTAs */
.bia-action{
  display:inline-flex;justify-content:center;align-items:center;gap:.4rem;
  min-height:46px;padding:.78rem 1.35rem;border:0;border-radius:999px;
  background:var(--bia-gold);color:var(--bia-ink);
  font:inherit;font-size:.94rem;font-weight:700;text-decoration:none;cursor:pointer;
  box-shadow:0 1px 0 #00000014
}
.bia-action:hover{background:var(--bia-gold-soft);color:var(--bia-ink)}
.bia-action--ink{background:var(--bia-forest);color:#fff}
.bia-action--ink:hover{background:var(--bia-canopy);color:#fff}
.bia-action--ghost{
  background:transparent;color:var(--bia-forest);
  border:1.5px solid var(--bia-line);box-shadow:none
}
.bia-action--ghost:hover{border-color:var(--bia-gold);color:var(--bia-gold-ink);background:#fff}
.bia-action--on-dark{
  background:transparent;color:#fff;border:1.5px solid #ffffff99;box-shadow:none
}
.bia-action--on-dark:hover{background:#ffffff1a;border-color:#fff;color:#fff}

/* Split hero — copy left / forest panel right */
.split-hero{
  display:grid;grid-template-columns:1.15fr .85fr;gap:0;
  border-bottom:1px solid var(--bia-line);background:var(--bia-mist)
}
.split-hero__copy{
  padding:clamp(2.6rem,5vw,4.2rem) clamp(1.25rem,4vw,3rem);
  display:flex;flex-direction:column;justify-content:center
}
.split-hero__copy .bia-shell{width:100%;max-width:36rem;margin:0}
.split-panel{
  background:
    radial-gradient(circle at 20% 15%,#b8893a2e,transparent 42%),
    linear-gradient(165deg,var(--bia-forest-deep),var(--bia-forest) 55%,var(--bia-canopy));
  color:#fff;padding:clamp(2.4rem,4vw,3.6rem) clamp(1.4rem,3vw,2.6rem);
  display:flex;flex-direction:column;justify-content:center;gap:1.1rem
}
.split-panel h2{
  margin:0;font-family:var(--bia-display);font-size:clamp(1.35rem,2.4vw,1.7rem);
  font-weight:700;line-height:1.25;color:#fff
}
.split-panel p{margin:0;color:#d5e6db;font-size:.98rem;max-width:28rem}
.split-panel__actions{display:flex;flex-wrap:wrap;gap:.65rem;margin-top:.4rem}
.eyebrow{
  display:inline-flex;align-items:center;gap:.4rem;margin:0 0 1rem;
  color:var(--bia-gold-ink);font-size:.78rem;font-weight:700;
  letter-spacing:.11em;text-transform:uppercase
}
.eyebrow::before{
  content:"";width:1.4rem;height:2px;background:var(--bia-gold);border-radius:2px
}
h1{
  margin:0 0 1rem;font-family:var(--bia-display);
  font-size:clamp(1.9rem,4.2vw,2.85rem);font-weight:700;line-height:1.18;
  letter-spacing:-.015em
}
.intro{margin:0;max-width:40rem;color:var(--bia-muted);font-size:1.08rem}
.cta-row{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1.6rem}

/* Interior mast + left accent rail */
.mast{
  padding:2.4rem 0 1.8rem;background:var(--bia-mist);
  border-bottom:1px solid var(--bia-line)
}
.mast .intro{color:var(--bia-muted)}
.rail-page{position:relative}
.rail-page__body{
  position:relative;padding-left:1.35rem
}
.rail-page__body::before{
  content:"";position:absolute;left:0;top:.35rem;bottom:.35rem;
  width:var(--bia-rail);border-radius:4px;
  background:linear-gradient(180deg,var(--bia-gold),var(--bia-canopy))
}

.band{padding:3.6rem 0}
.band--mist{background:var(--bia-mist)}
.band--tight{padding:2.6rem 0}
.band h2,.copy-block h2{
  margin:0 0 .55rem;font-family:var(--bia-display);
  font-size:clamp(1.4rem,2.8vw,1.85rem);font-weight:700;letter-spacing:-.01em
}
.band__lede{max-width:46rem;margin:0 0 1.6rem;color:var(--bia-muted)}

/* Horizontal state chips */
.chip-row{
  display:flex;flex-wrap:wrap;gap:.55rem;margin:0;padding:0;list-style:none
}
.chip-row a{
  display:inline-flex;align-items:center;gap:.45rem;
  padding:.55rem .95rem;border-radius:999px;
  background:#fff;border:1px solid var(--bia-line);
  color:var(--bia-ink);text-decoration:none;font-weight:700;font-size:.92rem;
  box-shadow:var(--bia-shadow)
}
.chip-row a:hover{border-color:var(--bia-gold);color:var(--bia-ink)}
.chip-row span{color:var(--bia-muted);font-weight:600;font-size:.82rem}

/* 2-col dense lists instead of 3-col cards */
.dense-list{
  display:grid;grid-template-columns:1fr 1fr;gap:.55rem 1.4rem;
  margin:0;padding:0;list-style:none
}
.dense-list a{
  display:flex;justify-content:space-between;align-items:baseline;gap:1rem;
  padding:.7rem 0;border-bottom:1px solid var(--bia-line);
  color:inherit;text-decoration:none;font-weight:700
}
.dense-list a:hover{color:var(--bia-canopy)}
.dense-list span{color:var(--bia-muted);font-size:.88rem;font-weight:600;white-space:nowrap}

/* Numbered horizontal timeline */
.timeline{
  display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;
  margin:0;padding:0;list-style:none;counter-reset:bia-step
}
.timeline__step{
  position:relative;padding:1.35rem 1.25rem 1.4rem;
  background:#fff;border:1px solid var(--bia-line);border-radius:var(--bia-radius);
  box-shadow:var(--bia-shadow)
}
.timeline__step::before{
  counter-increment:bia-step;content:counter(bia-step);
  display:grid;place-items:center;width:2rem;height:2rem;margin-bottom:.75rem;
  border-radius:999px;background:var(--bia-forest);color:#fff;
  font-weight:800;font-size:.9rem
}
.timeline__step h3{
  margin:0 0 .35rem;font-family:var(--bia-display);font-size:1.08rem;font-weight:700
}
.timeline__step p{margin:0;color:var(--bia-muted);font-size:.95rem}

.mosaic{display:grid;gap:1rem}
.mosaic--duo{grid-template-columns:1fr 1fr}
.panel-card{
  display:block;height:100%;padding:1.25rem 1.3rem 1.35rem;
  border:1px solid var(--bia-line);border-radius:var(--bia-radius);
  background:#fff;box-shadow:var(--bia-shadow);color:inherit;text-decoration:none
}
a.panel-card:hover{border-color:var(--bia-gold);color:inherit}
.panel-card h3{margin:0 0 .4rem;font-family:var(--bia-display);font-size:1.1rem}
.panel-card p{margin:0;color:var(--bia-muted);font-size:.95rem}
.panel-card__more{display:inline-block;margin-top:.75rem;color:var(--bia-canopy);font-weight:700}

.copy-block{max-width:46rem}
.copy-block p{margin:0 0 1rem}
.copy-block h2{margin-top:2rem}
.copy-block h3{margin:1.45rem 0 .4rem;font-family:var(--bia-display)}
.copy-block ul,.copy-block ol{margin:0 0 1rem;padding-left:1.2rem}

.callout{
  margin:1.25rem 0;padding:1.05rem 1.15rem;
  border:1px solid #ead9b0;border-radius:14px;
  background:#fff9ec;border-left:5px solid var(--bia-gold)
}
.callout p{margin:0}

.invite{
  padding:2.4rem 1.6rem;border-radius:var(--bia-radius);
  background:var(--bia-mist);border:1px solid var(--bia-line);
  display:grid;gap:1rem;align-items:center
}
@media (width>720px){
  .invite{grid-template-columns:1.4fr auto}
}
.invite h2{margin:0;font-family:var(--bia-display);color:var(--bia-ink)}
.invite p{margin:0;color:var(--bia-muted);max-width:36rem}

.bia-foot{padding:3rem 0 1.5rem;background:var(--bia-forest-deep);color:#b7c8bc;font-size:.92rem}
.bia-foot a{color:#eef6f1;text-decoration:none}
.bia-foot a:hover{color:var(--bia-gold-soft)}
.bia-foot__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:1.6rem;margin-bottom:1.8rem}
.bia-foot h2{
  margin:0 0 .7rem;color:#fff;font-size:.75rem;letter-spacing:.1em;
  text-transform:uppercase;font-family:var(--bia-font);font-weight:700
}
.bia-foot ul{margin:0;padding:0;list-style:none}
.bia-foot li{margin:.34rem 0}
.bia-foot__legal{padding-top:1.1rem;border-top:1px solid #ffffff1a;color:#8e9f93;font-size:.82rem}
.bia-foot__legal p{margin:0 0 .45rem}

label{display:block;margin:0 0 .3rem;font-weight:700}
input,select,textarea{
  width:100%;min-height:44px;padding:.7rem .8rem;
  border:1px solid #b7bec8;border-radius:12px;background:#fff;color:var(--bia-ink);font:inherit
}
textarea{min-height:7.5rem;resize:vertical}
.field{margin-bottom:1rem}
.hint{display:block;margin-top:.2rem;color:var(--bia-muted);font-size:.85rem;font-weight:500}
.form-cols{display:grid;grid-template-columns:1fr 1fr;gap:0 1rem}
.form-cols--3{display:grid;grid-template-columns:1.2fr 1fr .8fr;gap:0 1rem}
.check{display:flex;align-items:flex-start;gap:.6rem;font-weight:600}
.check input{width:auto;min-width:1.15rem;min-height:1.15rem;margin-top:.25rem}
.form-status[hidden]{display:none}
.form-status.ok{color:var(--bia-ok);font-weight:700}
.form-status.err{color:var(--bia-danger);font-weight:700}
.hp-field{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

.trail{margin:0 0 1rem}
.trail ol{display:flex;flex-wrap:wrap;gap:.35rem .5rem;margin:0;padding:0;list-style:none;font-size:.9rem}
.trail li{display:inline-flex;align-items:center;gap:.5rem;color:var(--bia-muted)}
.trail li:not(:last-child):after{content:"›";color:#9aa6b5}
.trail a{color:var(--bia-canopy);text-decoration:none;font-weight:600}
.trail a:hover{text-decoration:underline}
.trail span{color:var(--bia-ink);font-weight:600}

.tag-cloud{display:flex;flex-wrap:wrap;gap:.45rem;margin:0 0 1.4rem;padding:0;list-style:none}
.tag-cloud a{
  display:inline-block;padding:.28rem .75rem;border:1px solid var(--bia-line);
  border-radius:999px;background:#fff;color:var(--bia-forest);
  font-size:.9rem;font-weight:600;text-decoration:none
}
.tag-cloud a:hover{border-color:var(--bia-gold)}
.letter-jump{display:flex;flex-wrap:wrap;gap:.35rem .75rem;margin:0 0 1.2rem;font-weight:700}
.alpha-block{margin:0 0 1.4rem}
.alpha-block h3{margin:0 0 .55rem;font-family:var(--bia-display);font-size:1.2rem}

.copy-block details,.faq-block details{
  margin-bottom:.55rem;padding:.9rem 1.05rem;
  border:1px solid var(--bia-line);border-radius:14px;background:#fff
}
.copy-block summary,.faq-block summary{cursor:pointer;color:var(--bia-forest);font-weight:700}
.copy-block details p,.faq-block details p{margin:.55rem 0 .1rem;color:var(--bia-muted)}

@media (width<=980px){
  .split-hero{grid-template-columns:1fr}
  .bia-foot__grid,.timeline{grid-template-columns:1fr 1fr}
  .bia-menu-btn{display:inline-flex}
  .bia-nav{
    display:none;position:absolute;top:calc(100% + 3px);left:0;right:0;
    flex-direction:column;align-items:flex-start;gap:.55rem;
    padding:1rem 1.3rem 1.3rem;background:var(--bia-paper);
    border-bottom:1px solid var(--bia-line);box-shadow:var(--bia-shadow)
  }
  .bia-nav.open{display:flex}
  .bia-top{position:relative}
}
@media (width<=640px){
  .dense-list,.mosaic--duo,.bia-foot__grid,.timeline,.form-cols,.form-cols--3{grid-template-columns:1fr}
  .bia-brand__name{font-size:.95rem}
  .rail-page__body{padding-left:1rem}
  .band{padding:2.6rem 0}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
}