/* ═══════════════════════════════════════════════════════════
   BEARWORKS — insurance page
   "Calm proof", as on the mortgage pages: the cream canvas stays
   quiet and the product loops carry the story inside rounded
   green atmosphere stages. Builds on main.css tokens; neon still
   only appears on green.
   ═══════════════════════════════════════════════════════════ */

:root {
  --ease:     cubic-bezier(.4, 0, .2, 1);
  --ease-out: cubic-bezier(.2, .8, .2, 1);
  --t-fast: 160ms; --t-ui: 260ms; --t-enter: 500ms;

  --stage-r: 28px;
  --card-r: 18px;
  --mist: #eef2ea;
  --glass: rgba(250, 248, 244, .88);
  --glass-line: rgba(255, 255, 255, .55);
  --glass-shadow: 0 24px 60px -28px rgba(5, 26, 16, .6), 0 2px 6px rgba(5, 26, 16, .12);
  --gold-wash: #f6ecd0;
}

.ins-page { background: var(--cream); }
.ins-wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.ins-wide { max-width: 1320px; margin: 0 auto; padding: 0 20px; }
.ins-skip { position: absolute; top: -80px; left: 16px; z-index: 100; padding: 10px 16px; border-radius: 999px; background: var(--ink); color: var(--cream); font-weight: 500; }
.ins-skip:focus { top: 12px; }

/* ── Nav: transparent over the hero, frosted cream once scrolled ── */
.ins-nav { position: sticky; top: 0; z-index: 30; border-bottom: 1px solid transparent; transition: background var(--t-ui) var(--ease), border-color var(--t-ui) var(--ease), backdrop-filter var(--t-ui) var(--ease); }
.ins-nav.is-scrolled { background: rgba(250, 248, 244, .86); border-bottom-color: var(--hair); -webkit-backdrop-filter: blur(14px) saturate(1.1); backdrop-filter: blur(14px) saturate(1.1); }
.ins-nav-inner { min-height: 72px; display: flex; align-items: center; gap: 32px; }
.ins-brand { display: inline-flex; flex: none; }
.ins-brand img { display: block; width: 139px; height: 22px; }
.ins-nav-links { margin-left: auto; display: flex; align-items: center; gap: 28px; }
.ins-nav-links a, .ins-link { position: relative; color: var(--graphite); font-size: 14px; font-weight: 500; text-decoration: none; }
.ins-nav-links a::after, .ins-link::after { content: ""; position: absolute; left: 0; right: 0; bottom: -4px; height: 1px; background: currentColor; transform: scaleX(0); transform-origin: left; transition: transform var(--t-fast) var(--ease); }
.ins-nav-links a:hover::after, .ins-link:hover::after { transform: scaleX(1); }
.ins-nav .btn { height: 40px; padding: 0 18px; font-size: 14px; }
.ins-mobile-nav { display: none; position: relative; margin-left: auto; }
.ins-mobile-nav summary { width: 44px; height: 44px; display: grid; align-content: center; justify-content: center; gap: 5px; cursor: pointer; list-style: none; border: 1px solid var(--stone); border-radius: 999px; }
.ins-mobile-nav summary::-webkit-details-marker { display: none; }
.ins-mobile-nav summary span { display: block; width: 16px; height: 1.5px; background: var(--ink); }
.ins-mobile-nav > div { position: absolute; right: 0; top: calc(100% + 10px); width: min(300px, calc(100vw - 32px)); padding: 8px; background: var(--cream); border: 1px solid var(--hair); border-radius: 16px; box-shadow: 0 20px 50px -20px rgba(20,23,15,.35); }
.ins-mobile-nav a { display: block; padding: 12px 14px; border-radius: 10px; color: var(--ink); text-decoration: none; font-size: 15px; }
.ins-mobile-nav a:hover { background: var(--linen); }

/* ── Type: a quiet two-tone title, no badges ─────────── */
.ins-eyebrow { display: inline-flex; align-items: center; gap: 10px; margin: 0 0 20px; color: var(--smoke); font-size: 15px; font-weight: 500; }
.ins-eyebrow i { width: 7px; height: 7px; border-radius: 50%; background: var(--forest); box-shadow: 0 0 0 4px rgba(10, 61, 38, .12); }
.ins-title { margin: 0; font-size: clamp(34px, 3.7vw, 54px); font-weight: 300; line-height: 1.06; letter-spacing: -.034em; text-wrap: balance; }
.ins-title span { display: block; color: var(--smoke); }
.ins-lede { margin-top: 22px; max-width: 60ch; color: var(--smoke); font-size: clamp(17px, 1.4vw, 19px); line-height: 1.55; }
.ins-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 14px 24px; margin-top: 28px; }
.ins-h2 { margin: 0; font-size: clamp(28px, 2.9vw, 42px); font-weight: 300; line-height: 1.06; letter-spacing: -.03em; text-wrap: balance; max-width: 20ch; }
.ins-h2 span { display: block; color: var(--smoke); }
.ins-sub { margin-top: 16px; max-width: 54ch; color: var(--smoke); font-size: 17px; text-wrap: pretty; }
.ins-label { font-family: "Geist Mono", ui-monospace, monospace; font-size: 11px; font-weight: 500; letter-spacing: .08em; text-transform: uppercase; }

/* ── Sections ───────────────────────────────────────── */
.ins-section { padding: clamp(72px, 9vw, 132px) 0 0; scroll-margin-top: 56px; }
.ins-section:last-of-type { padding-bottom: clamp(72px, 9vw, 132px); }
.ins-head { margin-bottom: clamp(32px, 4vw, 52px); }

/* Stage plus three notes, alternating sides */
.ins-split { display: grid; grid-template-columns: minmax(0, 6fr) minmax(0, 5fr); gap: clamp(32px, 5vw, 80px); align-items: center; }
.ins-split.is-flip { grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); }
.ins-split.is-flip > :first-child { order: 2; }
.ins-notes { list-style: none; margin: 28px 0 0; padding: 0; display: grid; gap: 26px; }
.ins-notes li { display: grid; grid-template-columns: 20px minmax(0, 1fr); column-gap: 14px; }
.ins-notes svg { width: 18px; height: 18px; margin-top: 2px; color: var(--forest); }
.ins-notes h3 { font-size: 15px; font-weight: 500; letter-spacing: -.01em; }
.ins-notes p { grid-column: 2; margin-top: 4px; color: var(--smoke); font-size: 14.5px; line-height: 1.55; text-wrap: pretty; }
.ins-fine { margin-top: 22px; color: var(--smoke); font-size: 13px; line-height: 1.5; }

/* ── Stages ─────────────────────────────────────────── */
.ins-stage { position: relative; overflow: hidden; isolation: isolate; border-radius: var(--stage-r); }
.ins-atmo { background-color: var(--night); color: #eef3ea; }
.ins-atmo::before { content: ""; position: absolute; inset: -20%; z-index: -2;
  background:
    radial-gradient(42% 52% at 18% 82%, rgba(10, 61, 38, .95), transparent 70%),
    radial-gradient(36% 46% at 86% 12%, rgba(79, 209, 176, .2), transparent 72%),
    radial-gradient(40% 38% at 52% 108%, rgba(227, 196, 106, .12), transparent 70%),
    radial-gradient(30% 34% at 50% 48%, rgba(168, 255, 0, .07), transparent 72%),
    linear-gradient(160deg, var(--night-2), var(--night) 60%);
  animation: ins-drift 40s var(--ease) infinite alternate; animation-play-state: var(--ins-play, paused); }
.ins-atmo::after { content: ""; position: absolute; inset: 0; z-index: -1; opacity: .05; pointer-events: none; mix-blend-mode: screen;
  background-image: url("/img/noise.svg"); }
@keyframes ins-drift { from { transform: translate3d(-3%, 2%, 0) scale(1); } to { transform: translate3d(3%, -2%, 0) scale(1.06); } }
.ins-mist { background: var(--mist); }
.ins-stage-label { position: absolute; top: 22px; left: 26px; z-index: 3; color: rgba(238, 243, 234, .62); }
.ins-mist .ins-stage-label { color: var(--smoke); }
.ins-running { --ins-play: running; }

/* Pause control, bottom-left of every looping stage */
.ins-pause { display: none; position: absolute; left: 20px; bottom: 20px; z-index: 4; width: 36px; height: 36px; place-items: center; padding: 0; cursor: pointer; border: 1px solid rgba(238, 243, 234, .28); border-radius: 50%; background: rgba(5, 26, 16, .45); color: #eef3ea; -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px); transition: border-color var(--t-fast) var(--ease); }
.ins-anim .ins-pause { display: grid; }
.ins-pause:hover { border-color: var(--neon); }
.ins-pause:focus-visible { outline: 2px solid var(--neon); outline-offset: 3px; }
.ins-pause::before, .ins-pause::after { content: ""; width: 3px; height: 11px; border-radius: 1px; background: currentColor; grid-area: 1 / 1; }
.ins-pause::before { transform: translateX(-3px); }
.ins-pause::after { transform: translateX(3px); }
.ins-pause[aria-pressed="true"]::before { width: 0; height: 0; border-radius: 0; background: none; border-left: 10px solid currentColor; border-top: 6px solid transparent; border-bottom: 6px solid transparent; transform: translateX(1px); }
.ins-pause[aria-pressed="true"]::after { display: none; }

/* Frosted card */
.ins-glass, :root:not(.ins-anim) .ins-call { background: var(--glass); color: var(--ink); border: 1px solid var(--glass-line); border-radius: var(--card-r); box-shadow: var(--glass-shadow); -webkit-backdrop-filter: blur(18px) saturate(1.15); backdrop-filter: blur(18px) saturate(1.15); }
@supports not ((backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px))) { .ins-glass, :root:not(.ins-anim) .ins-call { background: var(--cream); } }
.ins-paper { background: #fff; color: var(--ink); border-radius: var(--card-r); box-shadow: 0 30px 60px -36px rgba(20, 23, 15, .35), 0 1px 3px rgba(20, 23, 15, .08); }

/* ── 1. Hero call carousel ─────────────────────────────
   Without .ins-anim (no JS, or reduced motion) the first call
   renders as a static, fully legible card. */
.ins-hero { padding: clamp(36px, 5vw, 72px) 0 0; }
.ins-hero-stage-wrap { margin-top: clamp(36px, 4.5vw, 56px); }
.ins-hero-stage { min-height: 640px; display: grid; place-items: center; padding: 72px 20px; }
.ins-tiles { display: none; }
.ins-callcard { position: relative; z-index: 2; width: min(410px, 100%); padding: 20px; }
.ins-call-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding-bottom: 14px; border-bottom: 1px solid var(--hair); }
.ins-source-chip { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 500; }
.ins-source-chip svg { width: 16px; height: 16px; color: var(--forest); }
.ins-call-time { color: var(--smoke); font-size: 12px; }
.ins-call-status { display: flex; align-items: center; gap: 10px; min-height: 34px; margin-top: 12px; }
.ins-status-text { display: grid; font-size: 13px; font-weight: 500; }
.ins-status-text > span { grid-area: 1 / 1; }
.ins-status-text .is-wait { display: none; color: var(--smoke); }
.ins-status-text .is-live { color: var(--forest); }
.ins-consent svg { width: 12px; height: 12px; }
.ins-consent { margin-left: auto; display: inline-flex; align-items: center; gap: 6px; padding: 4px 9px; border-radius: 999px; background: var(--mist); color: var(--forest); font-size: 11.5px; font-weight: 500; }
.ins-mini-wave { display: inline-flex; align-items: center; gap: 2px; height: 22px; padding: 0 8px; border-radius: 999px; background: var(--night); }
.ins-mini-wave i { width: 2px; height: 12px; border-radius: 2px; background: var(--neon); transform: scaleY(.45); }
.ins-call-body { display: grid; gap: 14px; margin-top: 12px; }
.ins-transcript { display: grid; gap: 8px; }
.ins-line { padding: 9px 12px; border-radius: 12px; border: 1px solid transparent; background: rgba(228, 222, 212, .45); font-size: 13.5px; line-height: 1.45; }
.ins-line b { display: block; margin-bottom: 2px; font-family: "Geist Mono", monospace; font-size: 10.5px; font-weight: 500; letter-spacing: .07em; color: var(--smoke); }
.ins-line.is-agent { background: rgba(10, 61, 38, .07); }
.ins-line.is-agent b { color: var(--forest); }
.ins-line.is-boundary { border-color: rgba(10, 61, 38, .45); background: rgba(10, 61, 38, .09); }
.ins-tag { display: inline-flex; margin-left: 6px; padding: 1px 7px; border-radius: 999px; background: var(--forest); color: var(--cream); font-family: "Geist", sans-serif; font-size: 10.5px; letter-spacing: 0; vertical-align: 1px; }
.ins-result { padding: 14px; border-radius: 14px; background: #fff; box-shadow: 0 1px 2px rgba(20, 23, 15, .06); }
.ins-result-title { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 8px; font-size: 13px; font-weight: 500; }
.ins-result-title .ins-label { color: var(--smoke); white-space: nowrap; }
.ins-field { display: flex; justify-content: space-between; gap: 16px; padding: 7px 0; border-top: 1px solid var(--hair); font-size: 13px; }
.ins-field span { color: var(--smoke); }
.ins-field strong { font-weight: 500; text-align: right; }
.ins-handoff { display: flex; align-items: center; gap: 10px; margin-top: 12px; padding: 10px 12px; border-radius: 12px; background: var(--forest); color: var(--cream); font-size: 13px; }
.ins-handoff svg { width: 16px; height: 16px; flex: none; color: var(--neon); }
.ins-handoff small { display: block; opacity: .74; font-size: 12px; }

/* Static mode (no JS, reduced motion, print): all three calls side by side, in their final state */
:root:not(.ins-anim) .ins-hero-stage { padding: 72px 20px 56px; }
:root:not(.ins-anim) .ins-callcard { width: min(1240px, 100%); padding: 0; background: none; border: 0; box-shadow: none; -webkit-backdrop-filter: none; backdrop-filter: none; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; align-items: start; }
:root:not(.ins-anim) .ins-call { padding: 20px; color: var(--ink); }

/* Animated mode */
.ins-anim .ins-hero-stage { height: 668px; }
.ins-anim .ins-tiles { display: block; position: absolute; inset: 0; z-index: 1; }
.ins-tile.ins-glass { background: rgba(238, 243, 234, .1); border-color: rgba(238, 243, 234, .2); color: #eef3ea; box-shadow: 0 18px 40px -24px rgba(0, 0, 0, .6); }
.ins-tile { position: absolute; top: 50%; left: 50%; width: 92px; height: 92px; display: grid; place-items: center; align-content: center; gap: 8px; border-radius: 22px; color: var(--forest); transform: translate(calc(-50% + var(--x, 0px)), -50%) scale(var(--s, 1)); opacity: var(--o, 1); transition: transform 700ms var(--ease), opacity 500ms var(--ease); }
.ins-tile svg { width: 26px; height: 26px; }
.ins-tile span { font-size: 10.5px; font-weight: 500; color: rgba(238, 243, 234, .74); text-align: center; line-height: 1.15; padding: 0 6px; }
.ins-tile.is-jump { transition: none; }
.ins-anim .ins-callcard { opacity: 0; transform: scale(.22); border-radius: 60px; transition: transform var(--t-enter) var(--ease), opacity 360ms var(--ease), border-radius var(--t-enter) var(--ease); }
.ins-anim .ins-callcard.is-open { opacity: 1; transform: none; border-radius: var(--card-r); }
.ins-anim .ins-call { display: none; }
.ins-anim .ins-call.is-active { display: block; }
.ins-anim .ins-status-text .is-wait { display: block; }
.ins-anim .ins-call-body { grid-template-areas: "stack"; }
.ins-anim .ins-call-body > * { grid-area: stack; align-self: start; }
/* The result card shares the body with the transcript; let its rows fill the same height. */
.ins-anim .ins-call-body > .ins-result { align-self: stretch; display: flex; flex-direction: column; }
.ins-anim .ins-result .ins-field { flex: 1; align-items: center; }
.ins-anim [data-at] { opacity: 0; transform: translateY(8px); visibility: hidden; transition: opacity 400ms var(--ease-out), transform 400ms var(--ease-out), visibility 0s linear 400ms; }
.ins-anim [data-at].is-on { opacity: 1; transform: none; visibility: visible; transition-delay: calc(var(--n, 0) * 80ms); transition-property: opacity, transform, visibility; transition-duration: 400ms, 400ms, 0s; }
.ins-anim .ins-status-text [data-at] { transform: none; }
.ins-anim .ins-transcript[data-at], .ins-anim .ins-result[data-at] { transform: none; }
.ins-anim .ins-handoff[data-at] { transform: scale(.96); }
.ins-anim .ins-handoff[data-at].is-on { transform: none; }
.ins-running .ins-mini-wave.is-on i { animation: ins-eq .7s ease-in-out infinite alternate; }
.ins-mini-wave i:nth-child(2) { animation-delay: -.2s !important; } .ins-mini-wave i:nth-child(3) { animation-delay: -.45s !important; }
.ins-mini-wave i:nth-child(4) { animation-delay: -.1s !important; } .ins-mini-wave i:nth-child(5) { animation-delay: -.6s !important; }
@keyframes ins-eq { from { transform: scaleY(.3); } to { transform: scaleY(1); } }
.ins-hero-foot { display: none; justify-content: center; gap: 10px; margin-top: 18px; }
.ins-anim .ins-hero-foot { display: flex; }
.ins-dots { display: flex; gap: 8px; }
.ins-dots button { width: 8px; height: 8px; padding: 0; border: 0; border-radius: 999px; background: var(--stone); cursor: pointer; transition: width var(--t-ui) var(--ease), background var(--t-ui) var(--ease); }
.ins-dots button[aria-current="true"] { width: 24px; background: var(--forest); }
.ins-dots button:focus-visible { outline: 2px solid var(--forest); outline-offset: 3px; }

/* ── 2. Producer summary (mist stage) ───────────────── */
.ins-mist-stage { padding: clamp(36px, 5vw, 64px); display: grid; place-items: center; min-height: 520px; }
.ins-summary { width: min(460px, 100%); padding: 22px; }
.ins-summary .ins-result { padding: 0; box-shadow: none; }
.ins-quote { margin-top: 14px; padding: 12px 14px; border-radius: 12px; background: var(--linen); font-size: 13.5px; }
.ins-quote .ins-label { display: block; margin-bottom: 4px; color: var(--smoke); }
.ins-reveal [data-reveal] { opacity: 1; }
.ins-anim .ins-reveal [data-reveal] { opacity: 0; transform: translateY(6px); transition: opacity 420ms var(--ease-out), transform 420ms var(--ease-out); transition-delay: calc(var(--n, 0) * 80ms); }
.ins-anim .ins-reveal.is-on [data-reveal] { opacity: 1; transform: none; }

/* ── 3. Where the agent stops: checklist ────────────── */
.ins-check { width: min(470px, 100%); padding: 22px; }
.ins-check-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 14px; }
.ins-check-head strong { font-size: 15px; font-weight: 500; }
.ins-check-head .ins-label { color: var(--smoke); }
.ins-check ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
.ins-step { position: relative; display: grid; grid-template-columns: 22px minmax(0, 1fr) auto; align-items: center; gap: 12px; padding: 11px 12px; border-radius: 12px; font-size: 14px; transition: background var(--t-ui) var(--ease), color var(--t-ui) var(--ease); }
.ins-step-mark { width: 20px; height: 20px; border-radius: 50%; border: 1.5px solid var(--ash); display: grid; place-items: center; }
.ins-step-mark svg { width: 12px; height: 12px; color: var(--cream); }
.ins-step-mark svg path { stroke-dasharray: 20; stroke-dashoffset: 0; }
.ins-step-text span { text-decoration: line-through 1px transparent; transition: text-decoration-color var(--t-ui) var(--ease) 120ms; }
.ins-step-route { padding: 3px 9px; border-radius: 999px; background: var(--gold); color: var(--ink); font-size: 11.5px; font-weight: 500; white-space: nowrap; }
/* final (static) state */
.ins-step.is-done { color: var(--smoke); }
.ins-step.is-done .ins-step-mark { border-color: var(--forest); background: var(--forest); }
.ins-step.is-done .ins-step-text span { text-decoration-color: var(--smoke); }
.ins-step.is-boundary { background: var(--gold-wash); }
.ins-step.is-boundary .ins-step-mark { border-color: var(--warn); background: var(--warn); }
.ins-step.is-final { background: rgba(10, 61, 38, .08); color: var(--forest); font-weight: 500; }
.ins-step.is-final .ins-step-mark { border-color: var(--forest); box-shadow: inset 0 0 0 4px var(--cream), inset 0 0 0 10px var(--forest); }
/* animated: start every row pending, JS walks them */
.ins-anim .ins-check:not(.is-played) .ins-step,
.ins-anim .ins-check .ins-step.is-pending { color: var(--ink); background: transparent; font-weight: 400; }
.ins-anim .ins-check:not(.is-played) .ins-step-mark,
.ins-anim .ins-check .ins-step.is-pending .ins-step-mark { border-color: var(--ash); background: transparent; box-shadow: none; }
.ins-anim .ins-check:not(.is-played) .ins-step-mark svg path,
.ins-anim .ins-check .ins-step.is-pending .ins-step-mark svg path { stroke-dashoffset: 20; }
.ins-anim .ins-check:not(.is-played) .ins-step-text span,
.ins-anim .ins-check .ins-step.is-pending .ins-step-text span { text-decoration-color: transparent; }
.ins-anim .ins-check:not(.is-played) .ins-step-route,
.ins-anim .ins-check .ins-step.is-pending .ins-step-route { opacity: 0; transform: translateX(-8px); }
.ins-anim .ins-check .ins-step-mark svg path { transition: stroke-dashoffset 300ms var(--ease); }
.ins-anim .ins-check .ins-step-route { transition: opacity var(--t-ui) var(--ease), transform var(--t-ui) var(--ease); }
.ins-nots { list-style: none; margin: 28px 0 0; padding: 0; border-top: 1px solid var(--hair); }
.ins-nots li { display: flex; gap: 14px; padding: 15px 0; border-bottom: 1px solid var(--hair); font-size: 16px; }
.ins-nots li::before { content: "—"; color: var(--ash); }

/* ── 4. Voice stage ─────────────────────────────────── */
.ins-voice { min-height: 500px; display: grid; place-items: center; padding: 64px 24px 88px; }
.ins-spindle { display: flex; align-items: center; justify-content: center; gap: 3px; height: 180px; width: min(560px, 100%); }
.ins-spindle i { flex: 0 1 4px; min-width: 2px; height: calc(var(--h, .5) * 170px); border-radius: 4px; background: linear-gradient(180deg, rgba(250, 248, 244, .9), var(--neon) 50%, rgba(250, 248, 244, .9)); transform: scaleY(.62); opacity: .92; }
.ins-running .ins-spindle i { animation: ins-breathe var(--t, 1.6s) var(--ease) var(--d, 0s) infinite alternate; }
@keyframes ins-breathe { from { transform: scaleY(.38); } to { transform: scaleY(1); } }

/* ── 5. Use-case tiles ──────────────────────────────── */
.ins-uses { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.ins-use { display: flex; flex-direction: column; padding: 22px; border-radius: 20px; background: var(--linen); border: 1px solid var(--hair); transition: transform var(--t-ui) var(--ease), box-shadow var(--t-ui) var(--ease); }
.ins-use:hover { transform: translateY(-2px); box-shadow: 0 20px 40px -28px rgba(20, 23, 15, .4); }
.ins-use svg { width: 22px; height: 22px; color: var(--forest); }
.ins-use h3 { margin-top: 18px; font-size: 16px; font-weight: 500; }
.ins-use p { margin-top: 8px; color: var(--smoke); font-size: 14px; }
.ins-use blockquote { margin: 18px 0 0; padding: 12px 14px; border-radius: 12px; background: var(--cream); font-size: 13.5px; line-height: 1.45; }
.ins-use .ins-label { display: block; margin-top: auto; padding-top: 16px; color: var(--forest); }

/* ── 6. Pilot ───────────────────────────────────────── */
.ins-scores { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1px; overflow: hidden; border-radius: 20px; background: var(--hair); border: 1px solid var(--hair); }
.ins-score { display: flex; flex-direction: column; padding: 28px; background: var(--cream); }
.ins-score .ins-label { color: var(--smoke); }
.ins-score h3 { margin-top: 10px; font-size: 19px; font-weight: 500; letter-spacing: -.01em; }
.ins-score p { margin: 8px 0 22px; color: var(--smoke); font-size: 14.5px; }
.ins-score-line { display: block; height: 2px; margin-top: auto; border-radius: 2px; background: var(--forest); transform-origin: left; }
.ins-anim .ins-scores .ins-score-line { transform: scaleX(0); transition: transform 900ms var(--ease) calc(var(--n, 0) * 90ms); }
.ins-anim .ins-scores.is-on .ins-score-line { transform: scaleX(1); }

/* ── FAQ ────────────────────────────────────────────── */
.ins-faq { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 7fr); gap: clamp(32px, 5vw, 80px); }
.ins-faq-list { border-top: 1px solid var(--hair); }
.ins-faq details { border-bottom: 1px solid var(--hair); interpolate-size: allow-keywords; }
.ins-faq details::details-content { block-size: 0; overflow: hidden; transition: block-size var(--t-ui) var(--ease), content-visibility var(--t-ui) allow-discrete; }
.ins-faq details[open]::details-content { block-size: auto; }
.ins-faq summary { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 20px 0; cursor: pointer; list-style: none; font-size: 17px; font-weight: 500; letter-spacing: -.01em; }
.ins-faq summary::-webkit-details-marker { display: none; }
.ins-faq summary:focus-visible { outline: 2px solid var(--forest); outline-offset: 2px; border-radius: 4px; }
.ins-faq summary::after { content: ""; flex: none; width: 9px; height: 9px; margin-right: 4px; border-right: 1.5px solid var(--graphite); border-bottom: 1.5px solid var(--graphite); transform: rotate(45deg) translateY(-3px); transition: transform var(--t-ui) var(--ease); }
.ins-faq details[open] summary::after { transform: rotate(225deg) translateY(-3px); }
.ins-faq details p { padding: 0 0 22px; max-width: 64ch; color: var(--smoke); font-size: 15.5px; }
.ins-faq details a { color: var(--forest); }

/* ── Close + request form ───────────────────────────── */
.ins-close { padding: clamp(64px, 8vw, 112px) clamp(20px, 5vw, 72px); display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 440px); gap: clamp(36px, 5vw, 72px); align-items: center; }
.ins-close .ins-h2 { color: #f4f1ea; max-width: 16ch; }
.ins-close .ins-h2 span { color: rgba(238, 243, 234, .62); }
.ins-close .ins-sub { color: rgba(238, 243, 234, .74); }
.ins-close .ins-label { color: rgba(238, 243, 234, .6); }
.ins-form { padding: 26px; }
.ins-form h3 { font-size: 18px; font-weight: 500; }
.ins-form > p { margin-top: 6px; color: var(--smoke); font-size: 14px; }
.ins-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 20px; }
.ins-form-grid .is-wide { grid-column: 1 / -1; }
.ins-form label { display: grid; gap: 6px; font-size: 13px; font-weight: 500; color: var(--graphite); }
.ins-form select { width: 100%; height: 44px; padding: 0 36px 0 12px; border: 1px solid var(--stone); border-radius: 12px; background: #fff url("/img/chevron-down.svg") no-repeat right 14px center; color: var(--ink); font: 400 14.5px "Geist", sans-serif; appearance: none; transition: border-color var(--t-fast) var(--ease); }
.ins-form select:hover { border-color: var(--ash); }
.ins-form select:focus-visible { outline: 2px solid var(--forest); outline-offset: 1px; border-color: var(--forest); }
.ins-form .btn { width: 100%; margin-top: 20px; }

/* ── Footer ─────────────────────────────────────────── */
.ins-footer { margin-top: clamp(56px, 7vw, 96px); border-top: 1px solid var(--hair); background: var(--linen); }
.ins-footer-row { min-height: 96px; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 18px; }
.ins-footer nav { display: flex; flex-wrap: wrap; gap: 22px; color: var(--smoke); font-size: 14px; }
.ins-footer a { color: inherit; text-decoration: none; }
.ins-footer a:hover { color: var(--ink); }

/* ── Reveal (gentle: 12px, 500ms, 60ms stagger) ─────── */
.ins-anim .ins-rise { opacity: 0; transform: translateY(12px); transition: opacity var(--t-enter) var(--ease-out), transform var(--t-enter) var(--ease-out); transition-delay: calc(var(--n, 0) * 60ms); }
.ins-anim .ins-rise.is-in { opacity: 1; transform: none; }

/* ── Responsive ─────────────────────────────────────── */
@media (max-width: 980px) {
  :root:not(.ins-anim) .ins-callcard { grid-template-columns: 1fr; width: min(440px, 100%); }
  .ins-split, .ins-split.is-flip, .ins-faq, .ins-close { grid-template-columns: 1fr; }
  .ins-split.is-flip > :first-child { order: 0; }
  .ins-uses { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .ins-scores { grid-template-columns: 1fr; }
}
@media (max-width: 860px) {
  .ins-nav-links, .ins-nav .btn { display: none; }
  .ins-mobile-nav { display: block; }
  .ins-anim .ins-tiles { display: none; }
  .ins-anim .ins-callcard { transform: none; border-radius: var(--card-r); transition: opacity 360ms var(--ease); }
}
@media (max-width: 640px) {
  :root { --gutter: 16px; --stage-r: 22px; }
  .ins-wide { padding: 0 12px; }
  .ins-hero-stage, .ins-anim .ins-hero-stage { height: auto; min-height: 0; padding: 60px 12px 72px; }
  .ins-anim .ins-callcard { height: auto; min-height: 560px; }
  .ins-hero-stage .ins-pause { top: 12px; right: 12px; left: auto; bottom: auto; }
  .ins-uses { grid-template-columns: 1fr; }
  .ins-form-grid { grid-template-columns: 1fr; }
  .ins-stage-label { left: 18px; top: 18px; }
  .ins-mist-stage { padding: 52px 14px 22px; min-height: 0; }
  .ins-voice { min-height: 380px; }
  .ins-spindle { height: 140px; }
}
@media (prefers-reduced-motion: reduce) {
  .ins-atmo::before, .ins-spindle i, .ins-mini-wave i { animation: none !important; }
  .ins-nav, .ins-tile, .ins-use { transition: none; }
}

/* Saved as a PDF or printed as a leave-behind (insurance.js drops to the static layout first) */
@media print {
  .ins-nav, .ins-skip { display: none !important; }
  .ins-section { break-inside: avoid; }
  .ins-stage { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
}

/* ═══════════════════════════════════════════════════════════
   Hear the first call (#how): player + the producer's card
   The player follows the mortgage pages' dark stage; the card fills in
   as each fact is spoken. Everything here is static-safe: without JS the
   card shows its finished state and the transcript stays readable.
   ═══════════════════════════════════════════════════════════ */
.ins-page [hidden] { display: none !important; }
.ins-page .sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

.ins-proof { position: relative; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); gap: 20px; align-items: stretch; }

/* Player */
.ins-player { padding: 26px 28px 24px; display: flex; flex-direction: column; min-width: 0; }
.ins-player-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; color: rgba(238, 243, 234, .62); }
.ins-callhead { display: flex; align-items: center; gap: 14px; margin-top: 20px; }
.ins-avatar { flex: none; width: 46px; height: 46px; display: grid; place-items: center; border-radius: 50%; background: rgba(238, 243, 234, .1); border: 1px solid rgba(238, 243, 234, .2); font: 500 14px "Geist Mono", ui-monospace, monospace; letter-spacing: .04em; }
.ins-callwho { min-width: 0; }
.ins-callwho strong { display: block; font-size: 18px; font-weight: 400; letter-spacing: -.01em; }
.ins-callwho small { display: block; margin-top: 2px; color: rgba(238, 243, 234, .62); font-size: 13px; line-height: 1.35; }
.ins-callstate { margin-left: auto; flex: none; display: inline-flex; align-items: center; gap: 8px; padding: 6px 12px; border-radius: 999px; background: rgba(238, 243, 234, .08); border: 1px solid rgba(238, 243, 234, .14); font-size: 12.5px; font-weight: 500; font-variant-numeric: tabular-nums; white-space: nowrap; }
.ins-callstate i { width: 7px; height: 7px; border-radius: 50%; background: rgba(238, 243, 234, .45); }
.ins-callstate[data-mode="live"] i { background: var(--neon); box-shadow: 0 0 0 0 rgba(168, 255, 0, .5); animation: ins-ping 1.8s var(--ease) infinite; }
.ins-callstate[data-mode="ringing"] i { background: #e8d089; animation: ins-ring 1s ease-in-out infinite; }
@keyframes ins-ping { 70%, 100% { box-shadow: 0 0 0 7px rgba(168, 255, 0, 0); } }
@keyframes ins-ring { 50% { opacity: .25; } }

.ins-wavebox { position: relative; height: 76px; margin-top: 20px; border-radius: 10px; }
.ins-wavebox:focus-within { outline: 2px solid var(--neon); outline-offset: 4px; }
.ins-wave { display: block; width: 100%; height: 100%; cursor: pointer; touch-action: pan-y; }
.ins-seek { position: absolute; inset: 0; width: 100%; height: 100%; margin: 0; opacity: 0; pointer-events: none; }

/* The live transcript: newest at the bottom, older lines fade up and out */
.ins-livewrap { position: relative; margin-top: 14px; }
.ins-live { height: 232px; display: flex; flex-direction: column; justify-content: flex-end; gap: 8px; overflow: hidden; -webkit-mask-image: linear-gradient(to bottom, transparent 0, #000 34%); mask-image: linear-gradient(to bottom, transparent 0, #000 34%); }
.ins-live-hint { margin: auto 0; color: rgba(238, 243, 234, .62); font-size: 15px; line-height: 1.5; text-align: center; text-wrap: balance; -webkit-mask: none; }
.ins-bubble { max-width: 92%; margin: 0; padding: 9px 14px 11px; border-radius: 16px; border: 1px solid transparent; font-size: 15px; line-height: 1.45; transition: opacity var(--t-ui) var(--ease); animation: ins-pop 320ms var(--ease-out); }
.ins-bubble b { display: block; margin-bottom: 2px; font: 500 10px "Geist Mono", ui-monospace, monospace; letter-spacing: .08em; text-transform: uppercase; }
.ins-bubble span { color: rgba(238, 243, 234, .4); transition: color 160ms linear; }
.ins-bubble span.is-said { color: #f4f8f0; }
.ins-bubble.is-agent { align-self: flex-start; border-bottom-left-radius: 5px; background: rgba(168, 255, 0, .09); border-color: rgba(168, 255, 0, .2); }
.ins-bubble.is-agent b { color: var(--neon); }
.ins-bubble.is-prospect { align-self: flex-end; border-bottom-right-radius: 5px; background: rgba(238, 243, 234, .08); border-color: rgba(238, 243, 234, .14); }
.ins-bubble.is-prospect b { color: #e8d089; }
.ins-bubble.is-boundary { border-color: rgba(168, 255, 0, .55); }
.ins-bubble.is-past { opacity: .66; animation: none; }
@keyframes ins-pop { from { opacity: 0; transform: translateY(8px); } }
.ins-flag { position: absolute; z-index: 2; top: 0; left: 0; right: 0; display: flex; align-items: center; gap: 10px; padding: 10px 12px; border-radius: 12px; background: rgba(5, 26, 16, .94); border: 1px solid rgba(168, 255, 0, .6); font-size: 13.5px; line-height: 1.35; animation: ins-pop 320ms var(--ease-out); }
.ins-flag svg { flex: none; width: 18px; height: 18px; color: var(--neon); }
.ins-flag strong { font-weight: 500; }

/* What has been captured so far — small screens only, where the card sits below the fold */
.ins-chips { display: none; flex-wrap: wrap; gap: 6px; margin: 12px 0 0; padding: 0; list-style: none; }
.ins-chips li { padding: 5px 10px; border-radius: 999px; border: 1px solid rgba(168, 255, 0, .6); background: rgba(168, 255, 0, .1); color: #eef3ea; font-size: 12px; }
.ins-chips li:not(.is-on) { visibility: hidden; }
.ins-chips li.is-on { animation: ins-chip 460ms var(--ease-out); }
.ins-chips li.is-on::before { content: "✓ "; color: var(--neon); }
@keyframes ins-chip { from { opacity: 0; transform: translateY(6px) scale(.92); background: rgba(168, 255, 0, .32); } }

.ins-controls { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-top: 16px; }
.ins-toggle { min-height: 48px; display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 0 24px; border: 0; border-radius: 999px; background: #eef3ea; color: var(--night); font: 500 15px "Geist", sans-serif; cursor: pointer; transition: background var(--t-fast) var(--ease); }
.ins-toggle:hover { background: var(--neon); }
.ins-toggle:disabled { cursor: wait; opacity: .7; }
.ins-toggle:focus-visible, .ins-mini-toggle:focus-visible, .ins-moment:focus-visible, .ins-replay:focus-visible, .ins-transcript summary:focus-visible { outline: 2px solid var(--neon); outline-offset: 3px; }
.ins-play-icon { width: 0; height: 0; border-top: 5px solid transparent; border-bottom: 5px solid transparent; border-left: 8px solid currentColor; }
[aria-pressed="true"] > .ins-play-icon, [aria-pressed="true"] .ins-play-icon { width: 8px; height: 11px; border: 0; border-left: 3px solid currentColor; border-right: 3px solid currentColor; }
.ins-clock { color: rgba(238, 243, 234, .78); font-size: 13px; font-variant-numeric: tabular-nums; white-space: nowrap; }
.ins-moments { display: flex; align-items: center; flex-wrap: wrap; gap: 8px; margin-top: 14px; }
.ins-moments .ins-label { margin-right: 4px; color: rgba(238, 243, 234, .55); }
.ins-moment { min-height: 36px; padding: 0 14px; border: 1px solid rgba(238, 243, 234, .26); border-radius: 999px; background: transparent; color: #eef3ea; font: 500 13px "Geist", sans-serif; cursor: pointer; transition: border-color var(--t-fast) var(--ease), background var(--t-fast) var(--ease); }
.ins-moment:hover { border-color: var(--neon); background: rgba(168, 255, 0, .08); }
.ins-audio-status { margin-top: 12px; color: #e3c46a; font-size: 13px; }

.ins-endcard { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 14px 18px; margin-top: 16px; padding: 16px; border-radius: 14px; background: rgba(238, 243, 234, .08); border: 1px solid rgba(238, 243, 234, .16); animation: ins-pop 380ms var(--ease-out); }
.ins-endcard strong { display: block; font-size: 15px; font-weight: 500; }
.ins-endcard > div:first-child span { display: block; margin-top: 3px; color: rgba(238, 243, 234, .7); font-size: 13.5px; line-height: 1.4; }
.ins-endactions { display: flex; align-items: center; gap: 14px; }
.ins-endcard .btn, .ins-minibar .btn { background: var(--neon); color: var(--night); }
.ins-replay { min-height: 44px; padding: 0 6px; border: 0; background: none; color: #eef3ea; font: 500 14px "Geist", sans-serif; text-decoration: underline; text-underline-offset: 4px; cursor: pointer; }

.ins-transcript { margin-top: 14px; border-top: 1px solid rgba(238, 243, 234, .17); }
.ins-transcript summary { padding: 14px 0 0; font-size: 13px; cursor: pointer; }
.ins-transcript ol { display: grid; gap: 16px; margin: 0; padding: 18px 0 0; list-style: none; }
.ins-transcript li { padding-left: 12px; border-left: 2px solid transparent; }
.ins-transcript li.is-active { border-left-color: var(--neon); }
.ins-transcript li span { color: rgba(238, 243, 234, .62); font-size: 11px; }
.ins-transcript li p { margin: 4px 0 0; font-size: 14px; line-height: 1.5; }

/* The producer's card: before the first play it shows the finished summary; once the call
   starts it clears, then each row fills in as the fact is spoken. */
.ins-intake .ins-summary { width: min(460px, 100%); }
.ins-progress { height: 3px; margin: 0 0 6px; border-radius: 3px; background: var(--hair); overflow: hidden; }
.ins-progress i { display: block; height: 100%; width: calc(var(--p, 1) * 100%); background: var(--forest); transition: width 420ms var(--ease-out); }
.ins-quote strong { display: block; font-weight: 400; }
.is-live .ins-field:not(.is-on), .is-live .ins-quote:not(.is-on), .is-live .ins-handoff:not(.is-on) { visibility: hidden; }
.is-live .ins-field.is-on, .is-live .ins-quote.is-on, .is-live .ins-handoff.is-on { animation: ins-learn 520ms var(--ease-out); }
@keyframes ins-learn { from { opacity: 0; transform: translateY(8px); background-color: rgba(10, 61, 38, .12); } }

/* Mobile: pause and the CTA follow you while the card is on screen */
.ins-minibar { display: none; }
.ins-mini-toggle { flex: none; width: 44px; height: 44px; display: grid; place-items: center; padding: 0; border: 0; border-radius: 50%; background: var(--neon); color: var(--night); cursor: pointer; }
.ins-mini-info { min-width: 0; display: grid; font-size: 12px; line-height: 1.3; color: rgba(238, 243, 234, .7); font-variant-numeric: tabular-nums; }
.ins-mini-info strong { color: #eef3ea; font-size: 13px; font-weight: 500; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.ins-minibar .btn { margin-left: auto; flex: none; height: 40px; padding: 0 16px; font-size: 13.5px; }

.ins-notes-row { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(24px, 4vw, 56px); margin-top: clamp(40px, 5vw, 64px); }

@media (max-width: 980px) {
  .ins-proof { grid-template-columns: 1fr; }
  .is-live .ins-chips { display: flex; }
  .ins-minibar { position: fixed; z-index: 40; left: 12px; right: 12px; bottom: calc(12px + env(safe-area-inset-bottom, 0px)); display: flex; align-items: center; gap: 12px; max-width: 520px; margin: 0 auto; padding: 8px 8px 8px 8px; border-radius: 999px; background: rgba(5, 26, 16, .95); color: #eef3ea; border: 1px solid rgba(238, 243, 234, .18); box-shadow: 0 18px 40px -16px rgba(5, 26, 16, .7); -webkit-backdrop-filter: blur(14px); backdrop-filter: blur(14px); animation: ins-pop 280ms var(--ease-out); }
  .ins-minibar[hidden] { display: none !important; }
}
@media (max-width: 860px) {
  .ins-notes-row { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .ins-player { padding: 20px 16px 18px; }
  .ins-callhead { gap: 12px; margin-top: 16px; }
  .ins-avatar { width: 42px; height: 42px; }
  .ins-callwho strong { font-size: 17px; }
  .ins-callwho small { font-size: 12.5px; }
  .ins-callstate { padding: 5px 10px; font-size: 12px; }
  .ins-wavebox { height: 64px; margin-top: 16px; }
  .ins-live { height: 212px; }
  .ins-bubble { max-width: 94%; font-size: 14.5px; }
  .ins-controls { gap: 12px; }
  .ins-toggle { flex: 1; min-height: 52px; }
  .ins-moment { min-height: 40px; }
  .ins-moments .ins-label { display: none; }
  .ins-endcard { padding: 14px; }
  .ins-endactions { width: 100%; justify-content: space-between; }
  .ins-endactions .btn { flex: 1; }
}
@media (prefers-reduced-motion: reduce) {
  .ins-bubble, .ins-flag, .ins-endcard, .ins-minibar, .ins-callstate i, .ins-chips li, .is-live .ins-field, .is-live .ins-quote, .is-live .ins-handoff { animation: none !important; }
  .ins-progress i, .ins-bubble span { transition: none; }
}
@media print {
  .ins-minibar, .ins-endcard, .ins-moments { display: none !important; }
}