/**
 * INSUREflo Foundation — presentation system.
 * Palette sampled from logo-large.png (INSURE blue, flo green, flow underline).
 */

:root {
	--iflo-blue: #0333a7;
	--iflo-blue-dark: #022078;
	--iflo-blue-light: #e8f0ff;
	--iflo-green: #60b602;
	--iflo-green-dark: #458800;
	--iflo-green-soft: #eef8d6;
	--iflo-ink: #0b1220;
	--iflo-ink-soft: #5a6577;
	--iflo-muted: #5a6577;
	--iflo-surface: #ffffff;
	--iflo-surface-blue: #f3f7ff;
	--iflo-border: #d5deee;
	--iflo-focus: #0d5be5;
	--iflo-max: 78rem;
	--iflo-content: 42rem;
	--iflo-gutter: clamp(1.5rem, 6vw, 2.25rem);
	--iflo-radius: 1.15rem;
	--iflo-radius-sm: 0.85rem;
	--iflo-shadow: 0 12px 36px rgba(2, 32, 120, 0.08);
	--iflo-shadow-lift: 0 18px 40px rgba(2, 32, 120, 0.12);
	--iflo-font: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
	--iflo-fs-display: clamp(2.35rem, 5.5vw, 3.65rem);
	--iflo-fs-h1: clamp(2rem, 4.5vw, 3.1rem);
	--iflo-fs-h2: clamp(1.45rem, 2.8vw, 2.05rem);
	--iflo-fs-h3: 1.125rem;
	--iflo-fs-body-lg: 1.125rem;
	--iflo-fs-body: 1.0625rem;
	--iflo-fs-small: 0.9rem;
	--iflo-fs-eyebrow: 0.72rem;
	--iflo-fs-btn: 0.98rem;

	/* Vertical rhythm */
	--iflo-space-2xs: 0.35rem;
	--iflo-space-xs: 0.55rem;
	--iflo-space-sm: 0.85rem;
	--iflo-space-md: 1.25rem;
	--iflo-space-lg: clamp(1.75rem, 1.25rem + 1.2vw, 2.5rem);
	--iflo-space-xl: clamp(2.5rem, 1.75rem + 2vw, 3.5rem);
	--iflo-section-y-mobile: 3.5rem;
	--iflo-section-y: clamp(var(--iflo-section-y-mobile), 2rem + 4.5vw, 5.75rem);
	--iflo-hero-y: clamp(2.75rem, 1.25rem + 3.5vw, 4.5rem);
	--iflo-grid-gap: clamp(1rem, 0.6rem + 1vw, 1.5rem);
}

*,
*::before,
*::after {
	box-sizing: border-box;
}

html {
	scroll-behavior: smooth;
}

body.iflo-canvas {
	margin: 0;
	color: var(--iflo-ink);
	background: var(--iflo-surface);
	font-family: var(--iflo-font);
	font-size: var(--iflo-fs-body);
	line-height: 1.6;
	-webkit-font-smoothing: antialiased;
}

body.iflo-canvas img {
	max-width: 100%;
	height: auto;
}

body.iflo-canvas .iflo-logo__img {
	display: block;
	width: auto;
	height: 2.65rem;
	max-width: min(12.75rem, 52vw);
	object-fit: contain;
}

.iflo-skip {
	position: absolute;
	left: 0.75rem;
	top: 0.75rem;
	transform: translateY(-160%);
	background: #fff;
	color: var(--iflo-blue);
	padding: 0.5rem 0.85rem;
	border-radius: 0.5rem;
	z-index: 20;
	font-weight: 650;
}

.iflo-skip:focus {
	transform: none;
}

/* —— Shell width / gutters ——
 * Padding lives on the section frames so nested inners always inset on mobile.
 * Do not rely on direct-child selectors — section__inner sits inside .iflo-section.
 */
.iflo-header,
.iflo-hero,
.iflo-page-hero,
.iflo-section,
.iflo-cta,
.iflo-footer {
	padding-inline: var(--iflo-gutter);
}

.iflo-shell,
.iflo-header__bar,
.iflo-footer__inner,
.iflo-section__inner,
.iflo-hero__inner,
.iflo-page-hero__inner,
.iflo-cta__inner,
.iflo-band__inner,
.iflo-footer__disclosure {
	width: min(100%, var(--iflo-max));
	margin-inline: auto;
}

main#main-content {
	overflow-x: clip;
}

/* —— Header —— */
.iflo-header {
	position: sticky;
	top: 0;
	z-index: 40;
	background: rgba(255, 255, 255, 0.92);
	backdrop-filter: blur(10px);
	border-bottom: 1px solid rgba(213, 222, 238, 0.85);
}

.iflo-header__bar {
	display: flex;
	align-items: center;
	justify-content: space-between;
	gap: 1rem;
	min-height: 4.5rem;
}

.iflo-lockup {
	display: flex;
	align-items: center;
	min-width: 0;
}

.iflo-logo__img {
	display: block;
	width: auto;
	height: 2.65rem;
	max-width: min(12.75rem, 52vw);
	object-fit: contain;
}

.iflo-wordmark {
	color: inherit;
	text-decoration: none;
	font-weight: 780;
	font-size: 1.4rem;
	letter-spacing: -0.03em;
	line-height: 1;
}

.iflo-wordmark__insure {
	color: var(--iflo-blue);
}

.iflo-wordmark__flo {
	color: var(--iflo-green);
}

.iflo-nav summary {
	min-height: 2.75rem;
	min-width: 2.75rem;
	display: inline-flex;
	align-items: center;
	justify-content: center;
	padding: 0 0.9rem;
	border: 1px solid var(--iflo-border);
	border-radius: 999px;
	background: #fff;
	cursor: pointer;
	list-style: none;
	font-weight: 650;
	color: var(--iflo-blue-dark);
}

.iflo-nav summary::-webkit-details-marker {
	display: none;
}

.iflo-nav nav {
	display: flex;
	flex-direction: column;
	gap: 0.2rem;
	padding: 0.75rem 0 1rem;
}

.iflo-nav a {
	color: var(--iflo-ink);
	text-decoration: none;
	padding: 0.45rem 0.35rem;
	min-height: 2.75rem;
	display: flex;
	align-items: center;
	font-weight: 570;
	border-radius: 0.55rem;
}

.iflo-nav a:hover {
	color: var(--iflo-blue);
	background: var(--iflo-surface-blue);
}

.iflo-nav a.iflo-btn {
	color: #fff;
	justify-content: center;
	margin-top: 0.35rem;
}

.iflo-nav a.iflo-btn:hover {
	background: var(--iflo-blue-dark);
	color: #fff;
}

/* —— Buttons —— */
.iflo-btn {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	gap: 0.4rem;
	min-height: 2.85rem;
	padding: 0.6rem 1.25rem;
	border-radius: 999px;
	border: 1px solid var(--iflo-blue);
	background: var(--iflo-blue);
	color: #ffffff;
	text-decoration: none;
	font-weight: 680;
	font-size: var(--iflo-fs-btn);
	cursor: pointer;
	transition: background 0.18s ease, border-color 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
}

.iflo-btn:hover {
	background: var(--iflo-blue-dark);
	border-color: var(--iflo-blue-dark);
	color: #ffffff;
}

.iflo-btn:focus-visible {
	outline: 3px solid var(--iflo-focus);
	outline-offset: 3px;
}

.iflo-btn--ghost,
.iflo-btn--secondary {
	background: #fff;
	color: var(--iflo-blue);
	border-color: rgba(3, 51, 167, 0.35);
}

.iflo-btn--ghost:hover,
.iflo-btn--secondary:hover {
	background: var(--iflo-surface-blue);
	color: var(--iflo-blue-dark);
	border-color: var(--iflo-blue);
}

.iflo-btn--small {
	min-height: 2.55rem;
	padding-inline: 1.05rem;
	font-size: 0.92rem;
}

.iflo-btn--on-dark {
	background: #fff;
	color: var(--iflo-blue);
	border-color: #fff;
}

.iflo-btn--on-dark:hover {
	background: var(--iflo-green-soft);
	color: var(--iflo-blue-dark);
	border-color: var(--iflo-green-soft);
}

.iflo-textlink {
	display: inline-flex;
	align-items: center;
	gap: 0.35rem;
	color: var(--iflo-blue);
	font-weight: 650;
	text-decoration: none;
}

.iflo-textlink::after {
	content: "→";
	transition: transform 0.18s ease;
}

.iflo-textlink:hover::after {
	transform: translateX(0.2rem);
}

/* —— Type —— */
.iflo-kicker,
.iflo-eyebrow {
	margin: 0 0 var(--iflo-space-xs);
	color: var(--iflo-green-dark);
	font-size: var(--iflo-fs-eyebrow);
	font-weight: 750;
	letter-spacing: 0.12em;
	text-transform: uppercase;
}

h1,
h2,
h3 {
	line-height: 1.15;
	margin: 0 0 0.65rem;
	letter-spacing: -0.025em;
	color: var(--iflo-ink);
}

h1 {
	font-size: var(--iflo-fs-h1);
	font-weight: 750;
}

.iflo-hero h1 {
	font-size: var(--iflo-fs-display);
	max-width: 14ch;
}

h2 {
	font-size: var(--iflo-fs-h2);
	font-weight: 720;
}

h3 {
	font-size: var(--iflo-fs-h3);
	font-weight: 680;
}

.iflo-lede {
	font-size: var(--iflo-fs-body-lg);
	color: var(--iflo-muted);
	max-width: var(--iflo-content);
	margin: 0 0 1.1rem;
	line-height: 1.55;
}

.iflo-note,
.iflo-fine,
.iflo-quote__help {
	color: var(--iflo-muted);
	font-size: var(--iflo-fs-small);
	line-height: 1.5;
}

.iflo-section__intro {
	max-width: 38rem;
}

.iflo-section__intro p {
	color: var(--iflo-muted);
	margin: 0;
}

/* —— Flow motif —— */
.iflo-flow {
	display: block;
	width: min(100%, 18rem);
	height: 0.55rem;
	margin: 0.35rem 0 0;
	border: 0;
	background:
		radial-gradient(circle at 92% 50%, var(--iflo-green) 0 0.28rem, transparent 0.3rem),
		linear-gradient(90deg, transparent 0%, var(--iflo-blue) 12%, var(--iflo-focus) 72%, transparent 100%);
	border-radius: 999px;
	opacity: 0.85;
	mask-image: linear-gradient(90deg, transparent, #000 8%, #000 88%, transparent);
}

.iflo-flow--wide {
	width: min(100%, 28rem);
}

/* —— Hero —— */
.iflo-hero {
	position: relative;
	padding-block: var(--iflo-hero-y);
	background:
		radial-gradient(ellipse 70% 55% at 88% 18%, rgba(96, 182, 2, 0.12), transparent 58%),
		radial-gradient(ellipse 80% 70% at 12% 0%, rgba(13, 91, 229, 0.16), transparent 60%),
		linear-gradient(180deg, var(--iflo-surface-blue) 0%, #fff 72%);
	overflow: hidden;
}

.iflo-hero::before {
	content: "";
	position: absolute;
	inset: auto -10% -35% 35%;
	height: 70%;
	background:
		radial-gradient(ellipse at center, rgba(3, 51, 167, 0.07), transparent 65%);
	pointer-events: none;
}

.iflo-hero::after {
	content: "";
	position: absolute;
	left: -8%;
	bottom: 8%;
	width: 48%;
	height: 42%;
	border: 2px solid rgba(3, 51, 167, 0.08);
	border-radius: 50% 40% 55% 45%;
	transform: rotate(-8deg);
	pointer-events: none;
}

.iflo-hero__inner {
	position: relative;
	z-index: 1;
	display: grid;
	gap: var(--iflo-space-lg);
}

.iflo-hero__copy {
	min-width: 0;
}

.iflo-hero__actions {
	display: flex;
	flex-wrap: wrap;
	gap: 0.7rem;
	margin-top: 0.35rem;
}

.iflo-hero__panel {
	min-width: 0;
}

/* —— Quote product card —— */
.iflo-quote {
	position: relative;
	background: var(--iflo-surface);
	border: 1px solid rgba(213, 222, 238, 0.95);
	border-radius: calc(var(--iflo-radius) + 0.15rem);
	box-shadow: var(--iflo-shadow);
	padding: 1.25rem 1.2rem 1.3rem;
	overflow: hidden;
}

.iflo-quote::before {
	content: "";
	position: absolute;
	left: 0;
	right: 0;
	top: 0;
	height: 4px;
	background: linear-gradient(90deg, var(--iflo-blue) 0%, var(--iflo-focus) 55%, var(--iflo-green) 100%);
}

.iflo-quote__title {
	font-size: 1.35rem;
	margin-bottom: 0.35rem;
}

.iflo-quote__help {
	margin: 0 0 1rem;
}

.iflo-progress {
	display: flex;
	align-items: center;
	gap: 0.55rem;
	list-style: none;
	margin: 0 0 1.05rem;
	padding: 0;
	font-size: 0.8rem;
	font-weight: 650;
	color: var(--iflo-muted);
}

.iflo-progress li {
	display: inline-flex;
	align-items: center;
	gap: 0.4rem;
}

.iflo-progress__num {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 1.45rem;
	height: 1.45rem;
	border-radius: 999px;
	background: var(--iflo-blue-light);
	color: var(--iflo-blue);
	font-size: 0.75rem;
}

.iflo-progress li.is-active .iflo-progress__num {
	background: var(--iflo-green);
	color: #fff;
}

.iflo-progress__rule {
	flex: 1 1 auto;
	height: 2px;
	background: linear-gradient(90deg, var(--iflo-border), rgba(96, 182, 2, 0.45));
	border-radius: 999px;
	min-width: 1.25rem;
}

.iflo-tiles {
	border: 0;
	margin: 0 0 1rem;
	padding: 0;
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 0.65rem;
}

.iflo-tiles legend {
	position: absolute;
	width: 1px;
	height: 1px;
	padding: 0;
	margin: -1px;
	overflow: hidden;
	clip: rect(0, 0, 0, 0);
	border: 0;
}

.iflo-tile {
	position: relative;
	display: flex;
	flex-direction: column;
	align-items: flex-start;
	gap: 0.45rem;
	min-height: 5.4rem;
	padding: 0.85rem 0.8rem;
	border-radius: var(--iflo-radius-sm);
	border: 1.5px solid var(--iflo-border);
	background: #fafbff;
	cursor: pointer;
	text-align: left;
	font: inherit;
	color: var(--iflo-ink);
	transition: border-color 0.18s ease, background 0.18s ease, box-shadow 0.18s ease, transform 0.18s ease;
}

.iflo-tile:hover {
	border-color: rgba(3, 51, 167, 0.45);
	background: #fff;
	transform: translateY(-1px);
}

.iflo-tile[aria-pressed="true"] {
	border-color: var(--iflo-green);
	background: var(--iflo-green-soft);
	box-shadow: inset 0 0 0 1px rgba(96, 182, 2, 0.35);
}

.iflo-tile__icon {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 2.15rem;
	height: 2.15rem;
	border-radius: 0.7rem;
	background: var(--iflo-blue-light);
	color: var(--iflo-blue);
}

.iflo-tile[aria-pressed="true"] .iflo-tile__icon {
	background: rgba(96, 182, 2, 0.18);
	color: var(--iflo-green-dark);
}

.iflo-tile__icon svg {
	width: 1.25rem;
	height: 1.25rem;
	display: block;
}

.iflo-tile__label {
	font-weight: 700;
	font-size: 0.98rem;
	letter-spacing: -0.01em;
}

.iflo-tile__check {
	position: absolute;
	top: 0.55rem;
	right: 0.55rem;
	width: 1.15rem;
	height: 1.15rem;
	border-radius: 999px;
	border: 1.5px solid var(--iflo-border);
	background: #fff;
}

.iflo-tile[aria-pressed="true"] .iflo-tile__check {
	border-color: var(--iflo-green-dark);
	background: var(--iflo-green);
	box-shadow: inset 0 0 0 2px #fff;
}

.iflo-quote__location {
	display: grid;
	gap: 0.75rem;
}

.iflo-field {
	display: flex;
	flex-direction: column;
	gap: 0.35rem;
	margin: 0;
	min-width: 0;
}

.iflo-field label {
	font-weight: 650;
	font-size: 0.92rem;
}

.iflo-field input,
.iflo-field textarea {
	min-height: 2.85rem;
	width: 100%;
	border: 1.5px solid #b9c6dc;
	border-radius: 0.8rem;
	padding: 0.55rem 0.85rem;
	font: inherit;
	background: #fff;
	color: var(--iflo-ink);
}

.iflo-field input:focus,
.iflo-field textarea:focus {
	outline: 3px solid rgba(13, 91, 229, 0.28);
	border-color: var(--iflo-focus);
}

.iflo-hp {
	position: absolute;
	left: -9999px;
}

.iflo-quote__status {
	margin: 0.75rem 0 0;
	min-height: 1.25rem;
	font-size: var(--iflo-fs-small);
	color: var(--iflo-blue-dark);
}

/* —— Guided quote (Phase 2B) —— */
.iflo-quote__progress-wrap {
	margin: 0 0 1rem;
}

.iflo-quote__progress-label {
	margin: 0 0 0.4rem;
	font-size: var(--iflo-fs-small);
	font-weight: 600;
	color: var(--iflo-ink-soft);
}

.iflo-quote__progress-bar {
	height: 0.45rem;
	border-radius: 999px;
	background: #e4ebf6;
	overflow: hidden;
}

.iflo-quote__progress-bar > span {
	display: block;
	height: 100%;
	width: 0;
	border-radius: inherit;
	background: linear-gradient(90deg, var(--iflo-blue), var(--iflo-focus));
	transition: width 0.35s ease;
}

.iflo-quote__guided {
	display: grid;
	gap: 0.9rem;
}

.iflo-tiles--answers {
	margin: 0;
}

.iflo-tiles--answers [data-iflo-answer-options] {
	display: grid;
	gap: 0.65rem;
	grid-template-columns: 1fr;
}

.iflo-tile--choice {
	min-height: 3.1rem;
	justify-content: space-between;
	text-align: left;
	padding: 0.85rem 1rem;
}

.iflo-tile--choice .iflo-tile__label {
	font-size: 1rem;
}

.iflo-quote__step-help {
	margin: 0;
	font-size: var(--iflo-fs-small);
	color: var(--iflo-ink-soft);
}

.iflo-quote__nav {
	display: flex;
	flex-wrap: wrap;
	gap: 0.65rem;
	align-items: center;
}

.iflo-quote__nav .iflo-btn {
	min-height: 2.85rem;
	min-width: 7.5rem;
}

.iflo-quote__review {
	display: grid;
	gap: 0.85rem;
}

.iflo-quote__review-title {
	margin: 0;
	font-size: 1.15rem;
	color: var(--iflo-ink);
}

.iflo-quote__review-list {
	list-style: none;
	margin: 0;
	padding: 0;
	display: grid;
	gap: 0.65rem;
}

.iflo-quote__review-item {
	display: flex;
	flex-wrap: wrap;
	align-items: flex-start;
	justify-content: space-between;
	gap: 0.65rem 1rem;
	padding: 0.85rem 1rem;
	border: 1px solid var(--iflo-border);
	border-radius: 0.9rem;
	background: #fff;
}

.iflo-quote__review-copy {
	flex: 1 1 12rem;
	min-width: 0;
}

.iflo-quote__review-prompt {
	margin: 0 0 0.2rem;
	font-size: var(--iflo-fs-small);
	color: var(--iflo-ink-soft);
}

.iflo-quote__review-value {
	margin: 0;
	font-weight: 600;
	color: var(--iflo-ink);
	word-break: break-word;
}

.iflo-quote__holding {
	margin: 0;
	padding: 0.85rem 1rem;
	border-radius: 0.9rem;
	background: #eef4ff;
	border: 1px solid #c9daf8;
	font-size: var(--iflo-fs-small);
	color: var(--iflo-blue-dark);
}

.iflo-quote__contact {
	display: grid;
	gap: 0.85rem;
}

.iflo-quote__ack {
	margin: 0.25rem 0 0;
}

.iflo-quote__ack-label {
	display: flex;
	gap: 0.65rem;
	align-items: flex-start;
	font-size: var(--iflo-fs-small);
	line-height: 1.45;
	color: var(--iflo-ink);
	cursor: pointer;
}

.iflo-quote__ack-label input {
	margin-top: 0.2rem;
	flex: 0 0 auto;
	width: 1.15rem;
	height: 1.15rem;
}

.iflo-quote__confirmed {
	display: grid;
	gap: 0.65rem;
	padding: 1rem;
	border-radius: 0.9rem;
	background: var(--iflo-green-soft);
	border: 1px solid #c5e08a;
}

.iflo-quote__confirm-title {
	margin: 0;
	font-size: 1.2rem;
	color: var(--iflo-ink);
}

.iflo-quote__confirm-copy {
	margin: 0;
	color: var(--iflo-ink);
	line-height: 1.5;
}

@media (min-width: 36em) {
	.iflo-tiles--answers [data-iflo-answer-options] {
		grid-template-columns: repeat(auto-fit, minmax(min(100%, 11rem), 1fr));
	}
}

.iflo-contact {
	background: var(--iflo-surface);
	border: 1px solid var(--iflo-border);
	border-radius: var(--iflo-radius);
	box-shadow: var(--iflo-shadow);
	padding: 1.25rem;
	display: grid;
	gap: 0.85rem;
}

/* —— Sections —— */
.iflo-stack {
	display: block;
}

/* Section contract: every frame owns its top and bottom breathing room. */
.iflo-section,
.iflo-cta {
	padding-block: var(--iflo-section-y);
}

.iflo-section__inner > :first-child,
.iflo-cta__inner > :first-child,
.iflo-section__head > :first-child {
	margin-top: 0;
}

.iflo-section__inner > :last-child,
.iflo-cta__inner > :last-child,
.iflo-hero__copy > :last-child,
.iflo-section__head > :last-child {
	margin-bottom: 0;
}

.iflo-section--white {
	background: #fff;
}

.iflo-section--blue {
	background: var(--iflo-surface-blue);
}

.iflo-section--soft {
	background: linear-gradient(180deg, #f7faf3 0%, #fff 100%);
}

.iflo-section__head {
	display: grid;
	gap: var(--iflo-space-sm);
	margin-bottom: var(--iflo-space-lg);
}

.iflo-section__head > * {
	margin: 0;
}

.iflo-section__inner > h2 {
	margin-bottom: var(--iflo-space-lg);
}

/* —— Steps journey —— */
.iflo-steps {
	list-style: none;
	margin: 0;
	padding: 0;
	display: grid;
	gap: var(--iflo-grid-gap);
	counter-reset: iflo-step;
}

.iflo-steps__item {
	position: relative;
	background: #fff;
	border: 1px solid transparent;
	border-radius: var(--iflo-radius);
	padding: 1.15rem 1.15rem 1.2rem;
	box-shadow: 0 8px 24px rgba(2, 32, 120, 0.05);
	min-width: 0;
}

.iflo-steps__item:nth-child(1) {
	border-top: 3px solid var(--iflo-blue);
}

.iflo-steps__item:nth-child(2) {
	border-top: 3px solid var(--iflo-focus);
}

.iflo-steps__item:nth-child(3) {
	border-top: 3px solid var(--iflo-green);
}

.iflo-steps__num {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 2.1rem;
	height: 2.1rem;
	border-radius: 999px;
	background: var(--iflo-blue);
	color: #fff;
	font-weight: 750;
	font-size: 0.95rem;
	margin-bottom: 0.7rem;
}

.iflo-steps__item:nth-child(2) .iflo-steps__num {
	background: var(--iflo-focus);
}

.iflo-steps__item:nth-child(3) .iflo-steps__num {
	background: var(--iflo-green);
	color: #fff;
}

.iflo-steps__item h3 {
	margin-bottom: 0.35rem;
}

.iflo-steps__item p {
	margin: 0;
	color: var(--iflo-muted);
	font-size: var(--iflo-fs-small);
}

/* —— Coverage / card vocabulary —— */
.iflo-grid {
	display: grid;
	gap: var(--iflo-grid-gap);
	align-items: stretch;
}

.iflo-card {
	min-width: 0;
}

.iflo-cover-card {
	display: flex;
	flex-direction: column;
	gap: 0.65rem;
	height: 100%;
	padding: 1.2rem 1.15rem 1.15rem;
	border-radius: var(--iflo-radius);
	background: #fff;
	border: 1px solid var(--iflo-border);
	text-decoration: none;
	color: inherit;
	transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.iflo-cover-card:hover {
	transform: translateY(-3px);
	box-shadow: var(--iflo-shadow-lift);
	border-color: rgba(3, 51, 167, 0.35);
}

.iflo-cover-card__icon {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 2.5rem;
	height: 2.5rem;
	border-radius: 0.8rem;
	background: var(--iflo-blue-light);
	color: var(--iflo-blue);
}

.iflo-cover-card__icon svg {
	width: 1.35rem;
	height: 1.35rem;
}

.iflo-cover-card h3 {
	margin: 0;
}

.iflo-cover-card p {
	margin: 0;
	flex: 1 1 auto;
	color: var(--iflo-muted);
	font-size: var(--iflo-fs-small);
}

.iflo-cover-card__link {
	color: var(--iflo-blue);
	font-weight: 680;
	display: inline-flex;
	align-items: center;
	gap: 0.3rem;
}

.iflo-cover-card:hover .iflo-cover-card__link span {
	transform: translateX(0.2rem);
}

.iflo-cover-card__link span {
	display: inline-block;
	transition: transform 0.18s ease;
}

/* Benefits */
.iflo-benefits {
	display: grid;
	gap: var(--iflo-grid-gap);
}

.iflo-benefit {
	display: grid;
	grid-template-columns: auto 1fr;
	gap: 0.85rem;
	align-items: start;
	padding: 1rem 1.05rem;
	border-radius: var(--iflo-radius-sm);
	background: #fff;
	border: 1px solid transparent;
	box-shadow: 0 6px 18px rgba(2, 32, 120, 0.04);
}

.iflo-benefit__icon {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 2.35rem;
	height: 2.35rem;
	border-radius: 999px;
	background: var(--iflo-green-soft);
	color: var(--iflo-green-dark);
}

.iflo-benefit__icon svg {
	width: 1.15rem;
	height: 1.15rem;
}

.iflo-benefit h3 {
	margin: 0 0 0.25rem;
	font-size: 1.05rem;
}

.iflo-benefit p {
	margin: 0;
	color: var(--iflo-muted);
	font-size: var(--iflo-fs-small);
}

/* Editorial resources */
.iflo-edu {
	display: grid;
	gap: var(--iflo-grid-gap);
}

.iflo-edu-card {
	display: block;
	padding: 1.15rem 1.2rem;
	border-radius: var(--iflo-radius);
	background: #fff;
	border: 1px solid var(--iflo-border);
	text-decoration: none;
	color: inherit;
	transition: border-color 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
}

.iflo-edu-card:hover {
	border-color: var(--iflo-blue);
	transform: translateY(-2px);
	box-shadow: var(--iflo-shadow);
}

.iflo-edu-card__cat {
	display: block;
	margin-bottom: 0.35rem;
	color: var(--iflo-green-dark);
	font-size: var(--iflo-fs-eyebrow);
	font-weight: 750;
	letter-spacing: 0.1em;
	text-transform: uppercase;
}

.iflo-edu-card h3 {
	margin: 0 0 0.4rem;
	font-size: 1.08rem;
}

.iflo-edu-card p {
	margin: 0 0 0.7rem;
	color: var(--iflo-muted);
	font-size: var(--iflo-fs-small);
}

.iflo-edu-card__more {
	color: var(--iflo-blue);
	font-weight: 680;
	display: inline-flex;
	align-items: center;
	gap: 0.3rem;
}

.iflo-edu-card:hover .iflo-edu-card__more span {
	transform: translateX(0.2rem);
}

.iflo-edu-card__more span {
	display: inline-block;
	transition: transform 0.18s ease;
}

/* Concept cards on verticals */
.iflo-concept {
	padding: 1.05rem 1.1rem;
	border-radius: var(--iflo-radius-sm);
	background: #fff;
	border: 1px solid var(--iflo-border);
}

.iflo-concept h3 {
	margin-bottom: 0.35rem;
}

.iflo-concept p {
	margin: 0;
	color: var(--iflo-muted);
	font-size: var(--iflo-fs-small);
}

/* Closing CTA */
.iflo-cta {
	position: relative;
	background:
		radial-gradient(ellipse 50% 80% at 90% 20%, rgba(96, 182, 2, 0.22), transparent 55%),
		linear-gradient(135deg, var(--iflo-blue-dark) 0%, var(--iflo-blue) 55%, #0d5be5 100%);
	color: #fff;
	overflow: hidden;
}

.iflo-cta::after {
	content: "";
	position: absolute;
	left: -5%;
	bottom: -40%;
	width: 45%;
	height: 120%;
	border: 2px solid rgba(255, 255, 255, 0.12);
	border-radius: 50%;
	pointer-events: none;
}

.iflo-cta__inner {
	position: relative;
	z-index: 1;
	max-width: 40rem;
}

.iflo-cta h2 {
	color: #fff;
	font-size: clamp(1.8rem, 4vw, 2.6rem);
}

.iflo-cta p {
	color: rgba(255, 255, 255, 0.9);
	margin: 0 0 1.1rem;
}

.iflo-cta .iflo-note {
	margin-top: 1rem;
	color: rgba(255, 255, 255, 0.78);
}

/* Page heroes (inner pages) */
.iflo-page-hero {
	padding-block: var(--iflo-hero-y);
	background:
		radial-gradient(ellipse 60% 70% at 100% 0%, rgba(96, 182, 2, 0.1), transparent 55%),
		linear-gradient(180deg, var(--iflo-surface-blue), #fff 80%);
}

.iflo-page-hero__inner {
	max-width: var(--iflo-content);
}

.iflo-prose {
	max-width: 46rem;
}

.iflo-stack.iflo-prose {
	width: min(100%, 46rem);
	margin-inline: auto;
	padding-inline: var(--iflo-gutter);
	padding-bottom: 2.5rem;
}

.iflo-stack.iflo-prose > .iflo-page-hero {
	width: auto;
	max-width: none;
	background: transparent;
	padding-block: 1.75rem 0.75rem;
}

.iflo-stack.iflo-prose > section {
	padding-block: 1.15rem;
}

.iflo-list {
	padding-left: 1.15rem;
}

.iflo-list li {
	margin-bottom: 0.45rem;
}

.iflo-faq__item {
	background: #fff;
	border: 1px solid var(--iflo-border);
	border-radius: var(--iflo-radius-sm);
	padding: 0.75rem 1rem;
	margin-bottom: 0.55rem;
}

.iflo-faq__item summary {
	cursor: pointer;
	font-weight: 650;
	min-height: 2.75rem;
	display: flex;
	align-items: center;
}

.iflo-related,
.iflo-note--inline {
	box-sizing: border-box;
	width: 100%;
	max-width: var(--iflo-max);
	margin-inline: auto;
	padding-inline: var(--iflo-gutter);
}

.iflo-related {
	display: flex;
	flex-wrap: wrap;
	gap: 0.65rem 1rem;
	padding-block: 0 1.5rem;
}

.iflo-related a {
	color: var(--iflo-blue);
	font-weight: 600;
}

/* —— Footer —— */
.iflo-footer {
	background: var(--iflo-blue-dark);
	color: #eef3ff;
	padding-block: var(--iflo-space-xl) var(--iflo-space-lg);
}

.iflo-footer__inner {
	display: grid;
	gap: 1.5rem;
}

.iflo-footer .iflo-logo__img {
	filter: brightness(0) invert(1);
	opacity: 0.96;
	height: 2.35rem;
}

.iflo-footer .iflo-wordmark__insure {
	color: #fff;
}

.iflo-footer .iflo-wordmark__flo {
	color: #b6ef5a;
}

.iflo-footer__brand p {
	margin: 0.55rem 0 0;
	max-width: 22rem;
	color: rgba(238, 243, 255, 0.88);
	font-size: var(--iflo-fs-small);
}

.iflo-footer__since {
	display: inline-block;
	margin-top: 0.65rem;
	padding: 0.2rem 0.55rem;
	border-radius: 999px;
	border: 1px solid rgba(255, 255, 255, 0.28);
	font-size: 0.68rem;
	font-weight: 700;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: #dff3a8;
}

.iflo-footer nav {
	display: flex;
	flex-direction: column;
	gap: 0.4rem;
}

.iflo-footer a {
	color: #ffffff;
	text-decoration: none;
	min-height: 2.5rem;
	display: inline-flex;
	align-items: center;
	font-weight: 560;
}

.iflo-footer a:hover {
	color: #c8f06a;
}

.iflo-footer__disclosure {
	margin: 1.5rem auto 0;
	padding-top: 1.15rem;
	border-top: 1px solid rgba(255, 255, 255, 0.18);
	color: rgba(238, 243, 255, 0.86);
	font-size: 0.88rem;
	line-height: 1.5;
}

.iflo-note--inline {
	margin: 0 auto 1.5rem;
}

:focus-visible {
	outline: 3px solid var(--iflo-focus);
	outline-offset: 2px;
}

/* —— Responsive —— */
@media (min-width: 40em) {
	.iflo-quote__location {
		grid-template-columns: 1fr auto;
		align-items: end;
	}

	.iflo-quote__location .iflo-btn {
		min-width: 8.5rem;
	}
}

@media (min-width: 48em) {
	.iflo-nav summary {
		display: none;
	}

	.iflo-header__bar > .iflo-nav {
		flex: 1 1 auto;
	}

	.iflo-nav > nav {
		display: flex !important;
		flex-direction: row;
		align-items: center;
		justify-content: flex-end;
		padding: 0;
		gap: 0.15rem 0.55rem;
	}

	.iflo-nav a {
		padding: 0.35rem 0.45rem;
		min-height: 2.5rem;
		font-size: 0.95rem;
	}

	.iflo-nav a.iflo-btn {
		margin-top: 0;
		margin-left: 0.35rem;
	}

	.iflo-hero__inner {
		grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
		align-items: center;
		gap: var(--iflo-space-xl);
	}

	.iflo-tiles {
		grid-template-columns: repeat(4, minmax(0, 1fr));
	}

	.iflo-tile {
		min-height: 6rem;
	}

	.iflo-steps {
		grid-template-columns: repeat(3, minmax(0, 1fr));
		position: relative;
	}

	.iflo-steps::before {
		content: "";
		position: absolute;
		top: 2.15rem;
		left: 12%;
		right: 12%;
		height: 2px;
		background: linear-gradient(90deg, var(--iflo-blue), var(--iflo-focus), var(--iflo-green));
		opacity: 0.35;
		pointer-events: none;
	}

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

	.iflo-footer__inner {
		grid-template-columns: 1.2fr 1fr;
		align-items: start;
	}

	.iflo-footer nav {
		flex-direction: row;
		flex-wrap: wrap;
		justify-content: flex-end;
		gap: 0.35rem 1.15rem;
	}
}

@media (min-width: 64em) {
	.iflo-logo__img {
		height: 2.9rem;
		max-width: 14rem;
	}

	.iflo-grid--4 {
		grid-template-columns: repeat(4, minmax(0, 1fr));
	}
}

@media (min-width: 72em) {
	.iflo-benefits,
	.iflo-edu {
		grid-template-columns: repeat(4, minmax(0, 1fr));
	}
}

@media (max-width: 47.99em) {
	:root {
		--iflo-gutter: 1.75rem;
	}
}

@media (prefers-reduced-motion: reduce) {
	html {
		scroll-behavior: auto;
	}

	.iflo-btn,
	.iflo-tile,
	.iflo-cover-card,
	.iflo-edu-card,
	.iflo-textlink::after,
	.iflo-cover-card__link span,
	.iflo-edu-card__more span {
		transition: none;
	}

	.iflo-tile:hover,
	.iflo-cover-card:hover,
	.iflo-edu-card:hover {
		transform: none;
	}
}