/* BOI About V14 — every rule is scoped to .boi-ab-page. No header/footer rules. */
.boi-ab-page{--ab-green:var(--insurel-ref-primary,#0b5a48);--ab-deep:var(--insurel-ref-deep,#064537);--ab-gold:var(--insurel-ref-gold,#c89b42);--ab-cream:#f7f5ef;--ab-ink:#173931;--ab-muted:#51625d;--ab-border:#e2e8e4;background:#fff;color:var(--ab-ink);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.65;width:100%;max-width:100%;isolation:isolate}
.boi-ab-page *,.boi-ab-page *::before,.boi-ab-page *::after{box-sizing:border-box}
.boi-ab-page h1,.boi-ab-page h2,.boi-ab-page h3,.boi-ab-page p,.boi-ab-page ul,.boi-ab-page dl,.boi-ab-page dt,.boi-ab-page dd{margin:0;padding:0;float:none;letter-spacing:normal}
.boi-ab-page h1,.boi-ab-page h2,.boi-ab-page h3{font-family:Georgia,'Times New Roman',serif;color:var(--ab-deep);font-weight:700;text-transform:none;overflow-wrap:break-word}
.boi-ab-page h1{font-size:clamp(36px,4.2vw,62px);line-height:1.08;letter-spacing:-1.8px}
.boi-ab-page h2{font-size:clamp(27px,2.5vw,36px);line-height:1.18;letter-spacing:-.6px;margin:0 0 18px}
.boi-ab-page h3{font-size:19px;line-height:1.25}
.boi-ab-page p{font-size:16px;line-height:1.65;color:var(--ab-muted)}
.boi-ab-page a{color:var(--ab-deep);text-decoration:none;overflow-wrap:anywhere}
.boi-ab-page a:focus-visible,.boi-ab-page summary:focus-visible{outline:3px solid var(--ab-gold);outline-offset:5px}
.boi-ab-page .boi-ab-wrap{width:min(1200px,calc(100% - 48px));margin-inline:auto}
.boi-ab-page .boi-ab-section{padding:56px 0}
.boi-ab-page .boi-ab-icon{display:block;width:25px;height:25px;flex:0 0 auto;color:inherit}
.boi-ab-page .boi-ab-eyebrow{font-family:Arial,Helvetica,sans-serif;display:flex;align-items:center;gap:14px;color:var(--ab-deep);font-size:12px;font-weight:700;line-height:1.5;letter-spacing:1.9px;text-transform:uppercase;margin:0 0 15px}
.boi-ab-page .boi-ab-eyebrow::before{content:'';display:block;flex:0 0 40px;width:40px;height:2px;background:var(--ab-gold)}
.boi-ab-page .boi-ab-prose p+p{margin-top:15px}
.boi-ab-page .boi-ab-prose{overflow-wrap:anywhere}
.boi-ab-page .boi-ab-photo{display:block!important;width:100%!important;height:100%!important;max-width:100%!important;object-fit:cover!important;margin:0!important;border:0!important;border-radius:0}
.boi-ab-page .boi-ab-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.boi-ab-page .boi-ab-button{display:inline-flex;align-items:center;justify-content:center;gap:16px;min-height:48px;padding:13px 22px;border:1px solid transparent;border-radius:7px;font:700 14px/1.3 Arial,Helvetica,sans-serif;text-align:center;max-width:100%;transition:background-color .18s,box-shadow .18s}
.boi-ab-page .boi-ab-button .boi-ab-icon{width:20px;height:20px}
.boi-ab-page .boi-ab-button-gold{background:var(--ab-gold);color:#112d24!important}
.boi-ab-page .boi-ab-button-gold:hover{background:#e1b45c;box-shadow:0 4px 12px #153e251c}
.boi-ab-page .boi-ab-button-outline{background:#ffffffd9;border-color:var(--ab-green);color:var(--ab-deep)!important}
.boi-ab-page .boi-ab-button-outline:hover{background:#e8f1e8}
/* Hero: independent image and copy tracks; no text painted into images. */
.boi-ab-page .boi-ab-hero{background:var(--ab-cream);position:relative;overflow:hidden}
.boi-ab-page .boi-ab-hero-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.04fr);min-height:530px}
.boi-ab-page .boi-ab-hero-copy{position:relative;z-index:2;padding:35px 32px 48px 0;align-self:center}
.boi-ab-page .boi-ab-breadcrumb{display:flex;flex-wrap:wrap;align-items:center;gap:9px;font-size:12px;line-height:1.5;margin-bottom:30px}
.boi-ab-page .boi-ab-breadcrumb .boi-ab-icon{width:13px;height:13px}
.boi-ab-page .boi-ab-hero-intro{color:var(--ab-ink);margin-top:22px;max-width:530px}
.boi-ab-page .boi-ab-hero-media{position:relative;min-width:0;min-height:490px;margin-right:calc((1200px - 100vw)/2)}
@media(min-width:1248px){.boi-ab-page .boi-ab-hero-media{margin-right:calc((1200px - 100vw)/2)}}
@media(max-width:1247px){.boi-ab-page .boi-ab-hero-media{margin-right:-24px}}
.boi-ab-page .boi-ab-hero-media>.boi-ab-photo{position:absolute;inset:0;object-position:center 38%!important}
.boi-ab-page .boi-ab-hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,var(--ab-cream),transparent 20%,transparent 78%,#123b2729),linear-gradient(0deg,#073b2a44,transparent 50%);pointer-events:none}
.boi-ab-page .boi-ab-photo-label{position:absolute;bottom:30px;right:clamp(18px,5vw,80px);display:flex;gap:18px;align-items:center;background:#064537ee;border:1px solid #bdcebc;border-radius:9px;color:#fff;padding:19px 24px;font-size:15px;line-height:1.5;max-width:calc(100% - 40px);box-shadow:0 10px 25px #14362420}
.boi-ab-page .boi-ab-photo-label .boi-ab-icon{width:43px;height:43px;color:#e7b753}
.boi-ab-page .boi-ab-photo-label strong{font-weight:700}
/* Company information. */
.boi-ab-page .boi-ab-overview-layout{display:grid;grid-template-columns:minmax(0,.87fr) minmax(0,1.13fr);gap:44px;align-items:center}
.boi-ab-page .boi-ab-overview-media{position:relative;height:410px;overflow:hidden;border-radius:8px}
.boi-ab-page .boi-ab-overview-media>.boi-ab-photo{object-position:center 35%!important}
.boi-ab-page .boi-ab-media-caption{position:absolute;left:0;bottom:26px;max-width:80%;background:var(--ab-deep);color:white;border:1px solid #aac2b066;border-radius:0 6px 6px 0;padding:20px 23px;line-height:1.25;font:700 23px/1.25 Georgia,'Times New Roman',serif}
.boi-ab-page .boi-ab-accent-line{display:block;width:32px;height:2px;background:var(--ab-gold);margin-bottom:14px}
.boi-ab-page .boi-ab-small-label{font:700 11px/1.5 Arial,sans-serif;text-transform:uppercase;letter-spacing:1px;color:var(--ab-muted);margin:22px 0 10px}
.boi-ab-page .boi-ab-ratings{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.boi-ab-page .boi-ab-rating{position:relative;background:#f8f9f6;border:1px solid var(--ab-border);border-radius:7px;padding:14px 12px 14px 52px;display:grid;grid-template-rows:auto auto;align-content:center;min-height:104px;min-width:0}
.boi-ab-page .boi-ab-rating-icon{position:absolute;left:11px;top:21px;width:33px;height:42px;display:grid;place-items:center;color:var(--ab-deep);background:#f3e7ce;border-radius:24px}
.boi-ab-page .boi-ab-rating-icon .boi-ab-icon{width:23px;height:23px}
.boi-ab-page .boi-ab-rating dt{font:12px/1.4 Arial,sans-serif;color:var(--ab-muted);grid-row:2;overflow-wrap:anywhere}
.boi-ab-page .boi-ab-rating dd{font:700 31px/1.1 Georgia,serif;color:var(--ab-deep);grid-row:1;margin-bottom:5px;overflow-wrap:anywhere}
/* Insurance and regulatory panels. */
.boi-ab-page .boi-ab-need{background:var(--ab-cream)}
.boi-ab-page .boi-ab-need-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:50px;align-items:center}
.boi-ab-page .boi-ab-need .boi-ab-button{margin-top:25px}
.boi-ab-page .boi-ab-need-media{position:relative;height:320px;overflow:hidden;border-radius:8px}
.boi-ab-page .boi-ab-need-badge{display:flex;align-items:center;gap:16px;position:absolute;right:0;bottom:0;max-width:85%;padding:20px 26px;background:#064537f0;color:white;font:700 23px/1.2 Georgia,serif;border-radius:8px 0 0 0}
.boi-ab-page .boi-ab-need-badge .boi-ab-icon{width:36px;height:36px;color:#e7b753}
.boi-ab-page .boi-ab-regulation-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:48px;align-items:center}
.boi-ab-page .boi-ab-regulators{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.boi-ab-page .boi-ab-regulator{display:flex;gap:13px;align-items:center;min-width:0}
.boi-ab-page .boi-ab-regulator+ .boi-ab-regulator{border-left:1px solid var(--ab-border);padding-left:20px}
.boi-ab-page .boi-ab-regulator>span{width:57px;height:69px;border-radius:40px;background:#f5edda;color:var(--ab-deep);flex:0 0 57px;display:grid;place-items:center}
.boi-ab-page .boi-ab-regulator .boi-ab-icon{width:34px;height:34px}
.boi-ab-page .boi-ab-regulator p{font-size:12px;line-height:1.5;overflow-wrap:anywhere}
.boi-ab-page .boi-ab-regulator strong{display:block;color:var(--ab-deep);font-size:15px;margin-bottom:5px}
/* Navigation and verified/source-derived client names. */
.boi-ab-page .boi-ab-explore{background:var(--ab-cream);padding-top:30px;padding-bottom:34px}
.boi-ab-page .boi-ab-explore-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(230px,100%),1fr));gap:14px}
.boi-ab-page .boi-ab-explore-card{position:relative;display:flex;gap:14px;background:#fff;border:1px solid var(--ab-border);border-radius:8px;padding:23px 19px 45px;min-height:148px;min-width:0;transition:border-color .18s,box-shadow .18s}
.boi-ab-page .boi-ab-explore-card:hover{border-color:var(--ab-gold);box-shadow:0 5px 16px #2445300b}
.boi-ab-page .boi-ab-explore-icon{width:45px;height:49px;flex:0 0 45px;border-radius:30px;display:grid;place-items:center;background:#f8eed7;color:var(--ab-deep)}
.boi-ab-page .boi-ab-explore-icon .boi-ab-icon{width:30px;height:30px}
.boi-ab-page .boi-ab-explore-card h3{font-size:17px;margin:3px 0 8px}
.boi-ab-page .boi-ab-explore-card p{font-size:13px;line-height:1.5}
.boi-ab-page .boi-ab-circle-arrow{position:absolute;bottom:15px;right:18px;width:29px;height:29px;display:grid;place-items:center;border:1px solid var(--ab-green);border-radius:50%;color:var(--ab-green)}
.boi-ab-page .boi-ab-circle-arrow .boi-ab-icon{width:17px;height:17px}
.boi-ab-page .boi-ab-clients{padding-top:35px;padding-bottom:38px}
.boi-ab-page .boi-ab-client-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(185px,100%),1fr));gap:14px;list-style:none!important}
.boi-ab-page .boi-ab-client-list li{display:flex;align-items:center;gap:13px;padding:10px 15px;border:1px solid var(--ab-border);border-radius:7px;font-size:13px;line-height:1.5;color:#546960;min-width:0;overflow-wrap:anywhere}
.boi-ab-page .boi-ab-client-list li::before{display:none!important}
.boi-ab-page .boi-ab-client-list .boi-ab-icon{width:28px;height:28px;opacity:.7}
.boi-ab-page .boi-ab-additional-section{max-width:850px;margin:0 auto 28px}
.boi-ab-page .boi-ab-additional-section:last-child{margin-bottom:0}
.boi-ab-page .boi-ab-original{padding-block:12px 35px}
.boi-ab-page .boi-ab-original details{border:1px solid var(--ab-border);border-radius:8px;background:#fafbf9}
.boi-ab-page .boi-ab-original summary{cursor:pointer;padding:18px 24px;font-weight:700;color:var(--ab-deep);list-style-position:inside}
.boi-ab-page .boi-ab-original summary>span{float:right;font-size:22px;line-height:1}
.boi-ab-page .boi-ab-original-content{padding:25px;overflow-wrap:anywhere;display:flow-root}
.boi-ab-page .boi-ab-original-content img{max-width:100%;height:auto}
.boi-ab-page .boi-ab-original-content iframe{max-width:100%;border:0}
.boi-ab-page .boi-ab-original-content>*{max-width:100%}
.boi-ab-page .boi-ab-editor-notice{padding:16px 20px;margin:15px 0;border-left:4px solid var(--ab-gold);background:#fff7dd;color:#5a4923;font-size:14px}
.boi-ab-page .boi-ab-cta{position:relative;background:var(--ab-deep);color:#fff;border-bottom:1px solid var(--ab-gold);padding:39px 0;overflow:hidden}
.boi-ab-page .boi-ab-cta::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 75% 90%,#c89b4230,transparent 55%);pointer-events:none}
.boi-ab-page .boi-ab-cta-layout{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:30px;align-items:center;position:relative}
.boi-ab-page .boi-ab-cta h2{color:white;font-size:clamp(27px,2.8vw,38px);margin:0;max-width:850px}
.boi-ab-page .boi-ab-cta p{color:#edf3ef;margin-top:12px}
/* Deliberate breakpoints: every grid track may shrink without viewport overflow. */
@media(max-width:1080px){.boi-ab-page .boi-ab-hero-layout{grid-template-columns:minmax(0,1.1fr) minmax(0,1fr)}.boi-ab-page h1{font-size:clamp(36px,4.6vw,50px)}.boi-ab-page .boi-ab-overview-layout{gap:30px;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr)}.boi-ab-page .boi-ab-ratings{grid-template-columns:1fr}.boi-ab-page .boi-ab-rating{grid-template-columns:minmax(0,1fr) auto;grid-template-rows:auto;gap:8px;min-height:64px;padding:12px 15px 12px 57px}.boi-ab-page .boi-ab-rating dt,.boi-ab-page .boi-ab-rating dd{grid-row:1;align-self:center;margin:0}.boi-ab-page .boi-ab-rating dt{font-size:13px}.boi-ab-page .boi-ab-rating-icon{top:10px}.boi-ab-page .boi-ab-regulation-layout{grid-template-columns:1fr;gap:26px}.boi-ab-page .boi-ab-regulators{max-width:680px}.boi-ab-page .boi-ab-need-layout{gap:30px}.boi-ab-page .boi-ab-explore-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){.boi-ab-page .boi-ab-wrap{width:calc(100% - 36px)}.boi-ab-page .boi-ab-section{padding:40px 0}.boi-ab-page .boi-ab-hero-layout{display:flex;flex-direction:column;min-height:0}.boi-ab-page .boi-ab-hero-copy{padding:24px 0 30px;width:100%}.boi-ab-page .boi-ab-breadcrumb{margin-bottom:22px}.boi-ab-page h1{font-size:clamp(35px,7.4vw,52px);letter-spacing:-1px}.boi-ab-page .boi-ab-hero-intro{max-width:none}.boi-ab-page .boi-ab-hero-media{height:350px;min-height:0;width:calc(100% + 36px);margin:0 -18px}.boi-ab-page .boi-ab-hero-media>.boi-ab-photo{object-position:center 32%!important}.boi-ab-page .boi-ab-hero-shade{background:linear-gradient(0deg,#06453777,transparent 45%)}.boi-ab-page .boi-ab-photo-label{right:18px;bottom:19px;padding:14px 20px}.boi-ab-page .boi-ab-overview-layout{display:flex;flex-direction:column;gap:27px}.boi-ab-page .boi-ab-overview-copy{order:0;width:100%}.boi-ab-page .boi-ab-overview-media{order:1;width:100%;height:350px}.boi-ab-page .boi-ab-ratings{grid-template-columns:repeat(3,minmax(0,1fr))}.boi-ab-page .boi-ab-rating{display:flex;flex-direction:column;text-align:center;align-items:center;justify-content:center;padding:14px 10px;gap:5px}.boi-ab-page .boi-ab-rating-icon{position:static;width:37px;height:37px}.boi-ab-page .boi-ab-rating dt{order:2;font-size:12px}.boi-ab-page .boi-ab-rating dd{order:1;font-size:29px}.boi-ab-page .boi-ab-rating-icon{order:0}.boi-ab-page .boi-ab-need-layout{grid-template-columns:1fr}.boi-ab-page .boi-ab-need-media{height:290px}.boi-ab-page .boi-ab-cta-layout{grid-template-columns:1fr;gap:22px}.boi-ab-page .boi-ab-cta .boi-ab-button{justify-self:start}.boi-ab-page .boi-ab-regulators{gap:15px}.boi-ab-page .boi-ab-regulator{gap:10px}.boi-ab-page .boi-ab-regulator>span{width:46px;height:55px;flex-basis:46px}.boi-ab-page .boi-ab-regulator+.boi-ab-regulator{padding-left:15px}}
@media(max-width:440px){.boi-ab-page .boi-ab-actions{gap:10px}.boi-ab-page .boi-ab-button{padding:13px 16px;gap:12px}.boi-ab-page .boi-ab-actions>.boi-ab-button{flex:1 1 auto}.boi-ab-page .boi-ab-explore-grid{grid-template-columns:1fr}.boi-ab-page .boi-ab-explore-card{min-height:134px}.boi-ab-page .boi-ab-regulators{grid-template-columns:1fr}.boi-ab-page .boi-ab-regulator+.boi-ab-regulator{border-left:0;border-top:1px solid var(--ab-border);padding:15px 0 0}.boi-ab-page .boi-ab-regulator p{font-size:13px}.boi-ab-page .boi-ab-hero-media{height:300px}.boi-ab-page .boi-ab-overview-media{height:310px}.boi-ab-page .boi-ab-original-content{padding:18px}.boi-ab-page .boi-ab-eyebrow{font-size:11px;letter-spacing:1.6px;gap:10px}.boi-ab-page .boi-ab-eyebrow::before{flex-basis:30px;width:30px}}
@media(prefers-reduced-motion:reduce){.boi-ab-page a{transition:none!important}}
@media print{.boi-ab-page .boi-ab-actions,.boi-ab-page .boi-ab-cta,.boi-ab-page .boi-ab-editor-notice{display:none}.boi-ab-page .boi-ab-hero-layout{min-height:0}.boi-ab-page .boi-ab-hero-media{display:none}.boi-ab-page .boi-ab-hero-layout{display:block}.boi-ab-page .boi-ab-section{padding:20px 0}.boi-ab-page{font-size:12pt}}