/* IMD Insurance Agency — Monolith design system */
:root{
  --cream:#f4f2ec;--cream2:#ebe8df;--ink:#121212;--ink2:#2a2a2a;--mute:#6a6a66;--faint:#9a9a94;--line:#dcd9d0;--tan:#b9a37a;--tan-ink:#8a7550;
  --w:1320px;--pad:clamp(20px,3vw,40px);--hh:84px;
  --d:"Archivo",system-ui,sans-serif;--s:"Playfair Display",Georgia,serif;--b:"Inter",system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--ink);font:400 16.5px/1.6 var(--b);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%;height:auto}
button{font:inherit}
.wrap{max-width:var(--w);margin:0 auto;padding:0 var(--pad)}
.caps{font:600 11px/1 var(--b);letter-spacing:.28em;text-transform:uppercase}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:8px;z-index:100;background:var(--ink);color:#fff;padding:10px 14px;font-weight:500}
.skip:focus{left:8px}
:focus-visible{outline:2px solid var(--tan);outline-offset:3px}
.todo{color:#b91c1c;font-weight:600}
section{scroll-margin-top:var(--hh)}

/* type */
.wide{font-family:var(--d);font-stretch:118%;text-transform:uppercase;font-weight:700;letter-spacing:-.02em}
h1.wide{font-size:clamp(50px,8vw,116px);line-height:.9;margin:0}
h2.wide{font-size:clamp(34px,4.8vw,66px);line-height:.95;margin:14px 0 0}
h3.wide{font-size:clamp(20px,2.2vw,28px);line-height:1.05;margin:0}
.wide em{font:italic 400 .92em/1 var(--s);text-transform:none;letter-spacing:-.01em}
h1.wide em,h2.wide em{display:block;margin-top:.06em}
.lead{margin:0;color:var(--mute);font-size:18px;max-width:540px}
.tan{color:var(--tan)}

/* buttons */
.split{display:inline-flex}
.split a,.split button{height:60px;padding:0 30px;display:inline-flex;align-items:center;font:600 12px/1 var(--b);letter-spacing:.24em;text-transform:uppercase;border:0;cursor:pointer;white-space:nowrap}
.split .w{background:#fff;color:var(--ink)}
.split .k{background:var(--ink);color:#fff}
.split .w:hover{background:var(--cream2)}.split .k:hover{background:#000}
.btn{display:inline-flex;align-items:center;justify-content:center;height:52px;padding:0 26px;font:600 11.5px/1 var(--b);letter-spacing:.22em;text-transform:uppercase;border:0;cursor:pointer;white-space:nowrap;transition:background .15s,color .15s}
.btn-k{background:var(--ink);color:#fff}.btn-k:hover{background:#000}
.btn-o{box-shadow:inset 0 0 0 1.5px var(--ink)}.btn-o:hover{background:var(--ink);color:#fff}
.btn-w{background:#fff;color:var(--ink)}.btn-w:hover{background:var(--cream2)}

/* header */
.hdr{position:absolute;top:0;left:0;right:0;z-index:50;color:#fff}
.hdr.solid{position:sticky;background:var(--cream);color:var(--ink);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:var(--hh);gap:24px}
.logo{display:flex;align-items:center;gap:12px;flex:none}
.logo img{height:40px;width:auto}
.hdr:not(.solid) .logo img{filter:brightness(0) invert(1)}
.logo b{font:700 14px/1 var(--d);font-stretch:118%;letter-spacing:.08em;text-transform:uppercase;white-space:nowrap}
.logo b i{font-style:normal;color:var(--tan)}
.nav{display:flex;gap:18px;opacity:.9}
.nav a{white-space:nowrap;letter-spacing:.18em}
@media(max-width:1480px){.hdr-r .tel{display:none}}
.nav a:hover,.nav a[aria-current="page"]{color:var(--tan)}
.hdr-r{display:flex;align-items:center;gap:18px;flex:none}
.hdr-r .tel{white-space:nowrap}
.hdr .btn{height:44px;padding:0 20px}
.hdr:not(.solid) .btn-k{background:#fff;color:var(--ink)}
.menu{display:none;width:40px;height:40px;border:0;background:none;cursor:pointer;place-items:center}
.menu span{display:block;width:26px;height:1.5px;background:currentColor;position:relative;transition:background .2s}
.menu span::before,.menu span::after{content:"";position:absolute;left:0;width:26px;height:1.5px;background:currentColor;transition:transform .2s}
.menu span::before{top:-7px}.menu span::after{top:7px}
.menu[aria-expanded="true"] span{background:transparent}
.menu[aria-expanded="true"] span::before{transform:translateY(7px) rotate(45deg)}
.menu[aria-expanded="true"] span::after{transform:translateY(-7px) rotate(-45deg)}
.mnav{display:none}
@media(max-width:1180px){
  .nav,.hdr-r .tel,.hdr-r .btn{display:none}
  .menu{display:grid}
  .mnav{position:fixed;inset:0;background:var(--ink);color:#fff;z-index:40;padding:calc(var(--hh) + 16px) var(--pad) 40px;flex-direction:column;gap:0;overflow:auto}
  .mnav.open{display:flex}
  .mnav a{padding:16px 0;font:700 clamp(22px,5vw,32px)/1.1 var(--d);font-stretch:118%;text-transform:uppercase;letter-spacing:-.01em;border-bottom:1px solid rgba(255,255,255,.12)}
  .mnav a.small{font:500 15px/1.4 var(--b);text-transform:none;letter-spacing:0;color:rgba(255,255,255,.75)}
  .mnav .split{margin-top:24px}
  .mnav .split a{border:0;font:600 12px/1 var(--b);letter-spacing:.24em;text-transform:uppercase;padding:0 30px}
  body.menu-open .hdr{position:fixed;color:#fff;background:transparent;border:0}
  body.menu-open .logo img{filter:brightness(0) invert(1)}
}
@media(max-width:420px){.logo b{display:none}}

/* photo hero */
.hero{position:relative;min-height:100svh;display:grid;align-items:center;color:#fff;overflow:hidden}
.hero.short{min-height:min(78vh,760px)}
.hero img.bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 40%;filter:grayscale(1) contrast(1.05) brightness(.6)}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,0,0,.5),rgba(0,0,0,.08) 70%),linear-gradient(0deg,rgba(0,0,0,.35),transparent 35%);z-index:1}
.hero::after{content:"";position:absolute;inset:0;z-index:1;background-image:linear-gradient(90deg,rgba(255,255,255,.07) 1px,transparent 1px);background-size:25% 100%;pointer-events:none}
.hero .meta{position:absolute;z-index:3;right:var(--pad);top:calc(var(--hh) + 26px);text-align:right;color:rgba(255,255,255,.75);display:grid;gap:8px}
@media(max-width:900px){.hero .meta{display:none}}
.hero .hc{position:relative;z-index:2;padding:calc(var(--hh) + 72px) var(--pad) 80px;max-width:780px}
.hero .hc .caps{display:inline-block;color:var(--tan);margin-bottom:22px}
.hero p{margin:28px 0 40px;max-width:500px;font-size:clamp(17px,1.5vw,20px);color:rgba(255,255,255,.88)}
.hero .ai{position:absolute;z-index:2;left:var(--pad);bottom:28px;display:flex;flex-wrap:wrap;gap:8px 28px;color:rgba(255,255,255,.7);font-size:13px}
.hero .ai span::before{content:"";display:inline-block;width:6px;height:6px;background:var(--tan);margin-right:10px;vertical-align:2px}
@media(max-width:700px){.hero .ai{display:none}}

/* sections */
.sec{padding:clamp(72px,9vw,128px) 0;border-bottom:1px solid var(--line)}
.sec-h{display:grid;gap:18px;margin-bottom:56px}
@media(min-width:960px){.sec-h{grid-template-columns:1fr 1fr;align-items:end}.sec-h .lead{justify-self:end}}
.sec-h .caps{color:var(--tan)}

/* hairline grids */
.g2,.g3,.g4,.g5{display:grid;border-top:1px solid var(--ink)}
@media(min-width:760px){.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(2,1fr)}.g5{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}.g5{grid-template-columns:repeat(5,1fr)}}
.cell{padding:30px 26px 34px 0;border-bottom:1px solid var(--line);display:grid;gap:12px;align-content:start}
@media(min-width:960px){.g3 .cell,.g4 .cell,.g5 .cell{border-bottom:0;border-right:1px solid var(--line)}.g3 .cell+.cell,.g4 .cell+.cell,.g5 .cell+.cell{padding-left:26px}.g3 .cell:last-child,.g4 .cell:last-child,.g5 .cell:last-child{border-right:0}}
@media(min-width:760px) and (max-width:959px){.g4 .cell:nth-child(odd),.g5 .cell:nth-child(odd),.g2 .cell:nth-child(odd){border-right:1px solid var(--line)}.g4 .cell:nth-child(even),.g5 .cell:nth-child(even),.g2 .cell:nth-child(even){padding-left:26px}}
.cell .k{font:700 clamp(46px,5.4vw,72px)/.9 var(--d);font-stretch:118%;letter-spacing:-.04em}
.cell .k i{font-style:normal;color:var(--tan)}
.cell .no{font:italic 400 26px/1 var(--s);color:var(--tan)}
.cell h3{margin:8px 0 0;font:700 13px/1.3 var(--d);font-stretch:118%;letter-spacing:.14em;text-transform:uppercase}
.cell h3.lg{font-size:clamp(18px,2vw,24px);letter-spacing:-.01em}
.cell p{margin:0;color:var(--mute);font-size:15px}
.cell ul{margin:4px 0 0;padding:0;list-style:none;display:grid;gap:9px;color:var(--mute);font-size:15px}
.cell li::before{content:"";display:inline-block;width:14px;height:1px;background:var(--tan);margin:0 10px 4px 0}
.cell .more{margin-top:8px;font:600 11px/1 var(--b);letter-spacing:.22em;text-transform:uppercase;color:var(--ink)}
.cell .more:hover{color:var(--tan)}
.cell.link{cursor:pointer;transition:background .15s}
.cell.link:hover{background:rgba(255,255,255,.5)}

/* industry tiles (photo) */
.tiles{display:grid;gap:14px}
@media(min-width:700px){.tiles{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1100px){.tiles{grid-template-columns:repeat(3,1fr)}.tile{aspect-ratio:4/3}}
@media(min-width:1400px){.tiles{grid-template-columns:repeat(6,1fr)}.tile{aspect-ratio:3/4}}
.tile{position:relative;aspect-ratio:3/4;overflow:hidden;background:#222;color:#fff;display:grid;align-content:end;padding:22px}
@media(max-width:699px){.tile{aspect-ratio:16/9}}
.tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:grayscale(1) brightness(.6);transition:transform .6s cubic-bezier(.2,.7,.2,1),filter .4s}
.tile:hover img{transform:scale(1.04);filter:grayscale(1) brightness(.7)}
.tile::before{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(0,0,0,.7),transparent 60%)}
.tile > *{position:relative}
.tile .caps{color:var(--tan);margin-bottom:10px}
.tile h3{margin:0;font:700 clamp(22px,2.2vw,28px)/1 var(--d);font-stretch:118%;text-transform:uppercase;letter-spacing:-.02em}
.tile p{margin:8px 0 0;font-size:13.5px;color:rgba(255,255,255,.8)}
.tile .ar{position:absolute;right:22px;bottom:22px;font-size:20px}

/* coverage editorial rows */
.cov{display:grid;border-top:1px solid var(--ink)}
.c{display:grid;grid-template-columns:56px 1fr;gap:20px;padding:26px 0;border-bottom:1px solid var(--line);align-items:baseline}
@media(min-width:900px){.c{grid-template-columns:56px 1fr 1.2fr auto;gap:36px}}
.c .n{font:600 12px var(--b);letter-spacing:.2em;color:var(--tan)}
.c h3{margin:0;font:700 clamp(19px,2.1vw,26px)/1.05 var(--d);font-stretch:118%;text-transform:uppercase;letter-spacing:-.02em}
.c p{margin:0;color:var(--mute);font-size:15px}
.c .t{font:600 10.5px var(--b);letter-spacing:.2em;text-transform:uppercase;padding:7px 10px;border:1px solid var(--line);white-space:nowrap}
.c .t.r{background:var(--ink);color:#fff;border-color:var(--ink)}
@media(max-width:899px){.c p,.c .t{grid-column:2}.c .t{justify-self:start}}
.note{margin-top:20px;font-size:12.5px;color:var(--faint);max-width:760px}

/* tech / AI section */
.tech{background:var(--ink);color:#fff;border-bottom:0}
.tech .sec-h .lead{color:rgba(255,255,255,.65)}
.tech .g4{border-top-color:rgba(255,255,255,.35)}
.tech .cell{border-color:rgba(255,255,255,.15)}
.tech .cell p,.tech .cell li{color:rgba(255,255,255,.7)}
.tech .disc-ai{margin-top:40px;padding-top:24px;border-top:1px solid rgba(255,255,255,.15);font-size:13px;color:rgba(255,255,255,.6);max-width:820px}
.tech .disc-ai b{color:#fff;font-weight:600}

/* photo band */
.band{position:relative;min-height:560px;display:grid;align-items:end;color:#fff;border-bottom:1px solid var(--line)}
.band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:grayscale(1) brightness(.55)}
.band .wrap{position:relative;z-index:1;padding-top:80px;padding-bottom:64px;display:grid;gap:24px}
@media(min-width:900px){.band .wrap{grid-template-columns:1fr 1fr;align-items:end}}
.band blockquote{margin:0;font:italic 400 clamp(26px,3vw,38px)/1.15 var(--s)}
.band cite{display:block;margin-top:14px;font:500 11px/1.4 var(--b);letter-spacing:.2em;text-transform:uppercase;font-style:normal;color:rgba(255,255,255,.7)}

/* faq */
.faq{max-width:820px}
.faq details{border-bottom:1px solid var(--line)}
.faq details:first-of-type{border-top:1px solid var(--ink)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 0;font:700 clamp(17px,1.8vw,22px)/1.2 var(--d);font-stretch:112%;letter-spacing:-.01em}
.faq summary::-webkit-details-marker{display:none}
.faq summary span{font:400 28px/1 var(--b);color:var(--tan);transition:transform .25s}
.faq details[open] summary span{transform:rotate(45deg)}
.faq .a{padding:0 0 22px;color:var(--mute);max-width:680px}
.faq .a p{margin:0 0 10px}

/* cta + form */
.cta{background:var(--ink);color:#fff}
.cta .wrap{display:grid;gap:48px;padding-top:clamp(64px,8vw,112px);padding-bottom:clamp(64px,8vw,112px)}
@media(min-width:960px){.cta .wrap{grid-template-columns:1fr 1.1fr;gap:80px}}
.cta .lgw{height:64px;width:auto;margin-bottom:24px}
.cta .big{display:block;font:700 clamp(38px,4.6vw,64px)/1 var(--d);font-stretch:118%;letter-spacing:-.04em;margin:28px 0 12px;color:var(--tan)}
.cta .big:hover{color:#fff}
.cta address{font-style:normal;color:rgba(255,255,255,.65);line-height:1.7}
.cta .ready{margin-top:28px;padding-top:22px;border-top:1px solid rgba(255,255,255,.15);font-size:14px;color:rgba(255,255,255,.65)}
.cta .ready b{display:block;color:#fff;margin-bottom:8px;font-weight:600}
form.qf{display:grid;grid-template-columns:1fr 1fr;gap:22px 24px}
.f{grid-column:span 2;display:grid;gap:8px}.f.h{grid-column:span 1}
@media(max-width:600px){.f.h{grid-column:span 2}}
label{font:600 10.5px/1 var(--b);letter-spacing:.22em;text-transform:uppercase;color:rgba(255,255,255,.6)}
input,select,textarea{height:50px;border:0;border-bottom:1px solid rgba(255,255,255,.4);background:transparent;padding:0;font:500 17px var(--b);color:#fff;width:100%;border-radius:0}
select option{color:var(--ink)}
textarea{height:auto;min-height:72px;padding:12px 0;resize:vertical}
input:focus,select:focus,textarea:focus{outline:none;border-bottom-color:var(--tan)}
.cons{grid-column:span 2;display:grid;grid-template-columns:18px 1fr;gap:12px;font:400 12.5px/1.55 var(--b);color:rgba(255,255,255,.6)}
.cons input{width:16px;height:16px;height:16px;accent-color:var(--tan)}
.cons a{text-decoration:underline}
.fine{grid-column:span 2;font-size:11.5px;color:rgba(255,255,255,.45);margin:0;line-height:1.5}
.hp{position:absolute;left:-9999px}
form.qf .split{grid-column:span 2;justify-self:start}
.msg{grid-column:span 2;display:none;padding:12px 0;border-top:1px solid var(--tan);font-size:14px;color:#fff}
.msg.show{display:block}
.msg.err{color:#ffb4a8;border-color:#ffb4a8}

/* footer */
.ftr{padding:56px 0 36px;font-size:13.5px;color:var(--mute)}
.fg{display:grid;gap:28px;padding-bottom:32px;border-bottom:1px solid var(--line)}
@media(min-width:900px){.fg{grid-template-columns:1.4fr 1fr 1fr 1fr 1fr}}
.ftr h4{margin:0 0 12px;font:600 10.5px/1 var(--b);letter-spacing:.24em;text-transform:uppercase;color:var(--ink)}
.ftr ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.ftr a:hover{color:var(--ink)}
.ftr address{font-style:normal;line-height:1.7}
.ftr .logo{margin-bottom:14px}.ftr .logo img{height:60px}
.disc{margin:24px 0 0;font-size:12px;line-height:1.65;max-width:980px;color:var(--faint)}
.disc a{text-decoration:underline}
.ftr-b{margin-top:24px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px 24px;font-size:12px;color:var(--faint)}
.ftr-b nav{display:flex;flex-wrap:wrap;gap:8px 18px}

/* document pages */
.doc-hero{padding:clamp(40px,6vw,72px) 0 clamp(32px,4vw,48px);border-bottom:1px solid var(--line)}
.doc-hero .crumbs{font-size:13px;color:var(--mute);margin:0 0 18px;display:flex;gap:8px;flex-wrap:wrap}
.doc-hero h1.wide{font-size:clamp(38px,5.6vw,72px)}
.doc-hero .lead{margin-top:18px;max-width:680px}
.doc-hero .date{margin-top:14px;font-size:12.5px;color:var(--faint)}
.doc{display:grid;gap:48px;padding-top:clamp(40px,6vw,72px);padding-bottom:clamp(72px,9vw,120px)}
@media(min-width:1000px){.doc{grid-template-columns:220px 1fr;gap:72px}}
.toc{position:sticky;top:24px;align-self:start;font-size:14px}
.toc b{display:block;font:600 10.5px/1 var(--b);letter-spacing:.24em;text-transform:uppercase;color:var(--faint);margin-bottom:14px}
.toc ol{list-style:none;margin:0;padding:0;display:grid;gap:2px;border-left:1px solid var(--line)}
.toc a{display:block;padding:7px 14px;color:var(--mute);margin-left:-1px;border-left:1px solid transparent}
.toc a:hover,.toc a.on{color:var(--ink);border-left-color:var(--ink)}
@media(max-width:999px){.toc{position:static}.toc ol{display:flex;flex-wrap:wrap;gap:6px;border:0}.toc a{border:1px solid var(--line);padding:6px 10px;margin:0}}
.prose{max-width:720px}
.prose h2{font:700 clamp(22px,2.6vw,30px)/1.1 var(--d);font-stretch:118%;text-transform:uppercase;letter-spacing:-.02em;margin:52px 0 14px;scroll-margin-top:calc(var(--hh) + 20px)}
.prose h2:first-child{margin-top:0}
.prose h3{font:700 16px/1.3 var(--d);font-stretch:112%;margin:26px 0 8px}
.prose p,.prose li{color:var(--ink2);font-size:16px;line-height:1.65}
.prose p{margin:0 0 14px}
.prose ul{padding-left:20px;margin:0 0 14px}
.prose li{margin-bottom:6px}
.prose a{text-decoration:underline;text-underline-offset:2px}
.prose .callout{border-left:2px solid var(--tan);padding:4px 0 4px 20px;margin:18px 0;color:var(--ink2)}
.prose table{width:100%;border-collapse:collapse;font-size:15px;margin:16px 0 22px}
.prose th,.prose td{text-align:left;padding:12px 10px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font:600 10.5px/1.3 var(--b);letter-spacing:.2em;text-transform:uppercase;color:var(--mute)}
.prose .caps-text{text-transform:uppercase;font-size:13.5px;letter-spacing:.01em}
.facts{margin:8px 0 24px;display:grid;border-top:1px solid var(--ink)}
.facts div{display:grid;grid-template-columns:150px 1fr;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);font-size:15px}
.facts dt{color:var(--mute);margin:0}.facts dd{margin:0;font-weight:500}
@media(max-width:480px){.facts div{grid-template-columns:1fr;gap:2px}}

/* reveal */
.rv{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.2,1)}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}.rv{opacity:1;transform:none}}
@media print{.hdr,.mnav,.cta{display:none!important}.rv{opacity:1;transform:none}.hero img.bg{display:none}.hero{color:var(--ink);min-height:0}}