:root{
  --insurel-ref-primary:#0B5A48;
  --insurel-ref-deep:#064537;
  --insurel-ref-sage:#E8F1E8;
  --insurel-ref-gold:#C89B42;
  --insurel-ref-body:#53615E;
  --insurel-ref-radius:10px;
  --insurel-ref-border:#D7E1DC;
  --insurel-ref-white:#fff;
  --insurel-ref-max:1200px;
}
.insurel-ref-container{width:min(var(--insurel-ref-max),calc(100% - 48px));margin-inline:auto;box-sizing:border-box}
.insurel-reference-home{width:100vw;margin-left:calc(50% - 50vw);background:#fff;color:var(--insurel-ref-body);overflow:hidden}
.insurel-reference-home *{box-sizing:border-box}
.insurel-reference-home h1,.insurel-reference-home h2,.insurel-reference-home h3{color:var(--insurel-ref-primary);font-family:inherit;letter-spacing:-.035em}
.insurel-ref-eyebrow{display:flex;align-items:center;gap:13px;margin:0 0 18px;text-transform:uppercase;letter-spacing:.18em;font-size:11px;font-weight:700;color:#7d6534}
.insurel-ref-eyebrow:before{content:"";width:34px;height:1px;background:var(--insurel-ref-gold);flex:0 0 auto}
.insurel-ref-eyebrow--center{justify-content:center}
.insurel-ref-hero{padding:75px 0 66px;background:#fff;position:relative}
.insurel-ref-hero__inner{position:relative;text-align:center;min-height:255px;display:flex;flex-direction:column;justify-content:center;align-items:center}
.insurel-ref-hero h1{font-size:clamp(47px,6vw,78px);line-height:.98;margin:7px 0 22px;font-weight:700}
.insurel-ref-hero__lead{max-width:620px;margin:0;color:var(--insurel-ref-body);font-size:17px;line-height:1.65}
.insurel-ref-hero__side{position:absolute;color:#80948d;line-height:1.5}
.insurel-ref-hero__side--left{left:2px;top:53%;max-width:130px;transform:translateY(-50%);text-align:left;text-transform:uppercase;letter-spacing:.16em;font-size:10px;color:var(--insurel-ref-primary)}
.insurel-ref-hero__side--right{right:10px;top:49%;max-width:155px;transform:translateY(-50%) rotate(-7deg);font-size:16px;font-style:italic}
.insurel-ref-cards{padding:0 0 0;background:#fff}
.insurel-ref-cards__grid{display:grid;grid-template-columns:1fr 1.55fr 1fr;gap:8px}
.insurel-ref-card{position:relative;display:block;height:430px;border-radius:var(--insurel-ref-radius);overflow:hidden;color:#fff;text-decoration:none;background:var(--insurel-ref-deep)}
.insurel-ref-card img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .55s ease}
.insurel-ref-card:hover img{transform:scale(1.025)}
.insurel-ref-card__overlay{position:absolute;inset:42% 0 0;background:linear-gradient(180deg,transparent,rgba(3,43,34,.84))}
.insurel-ref-card__content{position:absolute;left:26px;right:26px;bottom:25px;z-index:2;color:#fff}
.insurel-ref-card__content strong{display:block;color:#fff;font-size:20px;line-height:1.18;font-weight:600;letter-spacing:-.025em}
.insurel-ref-card__rule{display:block;width:32px;height:2px;background:var(--insurel-ref-gold);margin-top:16px}
.insurel-ref-services{background:var(--insurel-ref-sage);padding:19px 0}
.insurel-ref-services__grid{display:grid;grid-template-columns:repeat(3,1fr)}
.insurel-ref-service{display:grid;grid-template-columns:47px 1fr auto;gap:16px;align-items:center;min-height:82px;padding:13px 30px;color:var(--insurel-ref-primary);text-decoration:none;border-right:1px solid rgba(11,90,72,.18)}
.insurel-ref-service:first-child{padding-left:3px}.insurel-ref-service:last-child{border-right:0;padding-right:3px}
.insurel-ref-service__icon{width:44px;height:44px;display:grid;place-items:center}.insurel-ref-service__icon svg{width:32px;height:32px;fill:none;stroke:currentColor;stroke-width:1.5}
.insurel-ref-service__copy strong{display:block;font-size:16px;line-height:1.2;color:var(--insurel-ref-primary);font-weight:650}.insurel-ref-service__copy small{display:block;margin-top:4px;color:#6e807a;font-size:12px;line-height:1.4}.insurel-ref-arrow{font-size:21px;transition:transform .2s}.insurel-ref-service:hover .insurel-ref-arrow{transform:translateX(4px)}
.insurel-ref-process{padding:104px 0 112px;background:#fff}
.insurel-ref-process__grid{display:grid;grid-template-columns:1fr .88fr;gap:100px;align-items:start}
.insurel-ref-process__intro h2{font-size:clamp(43px,5vw,66px);line-height:1.02;margin:0 0 24px;font-weight:700}.insurel-ref-process__intro>p:last-child{max-width:530px;font-size:16px;line-height:1.7;color:var(--insurel-ref-body)}
.insurel-ref-process__steps{list-style:none;margin:0;padding:0}.insurel-ref-process__steps li{display:grid;grid-template-columns:50px 1fr;gap:22px;padding:18px 0 20px;border-bottom:1px solid var(--insurel-ref-border);align-items:start}.insurel-ref-process__number{width:43px;height:43px;border-radius:50%;background:var(--insurel-ref-sage);display:grid;place-items:center;color:var(--insurel-ref-primary);font-size:13px;font-weight:700}.insurel-ref-process__steps strong{display:block;color:var(--insurel-ref-primary);font-size:16px;line-height:1.3}.insurel-ref-process__steps small{display:block;margin-top:5px;color:#687974;font-size:12px;line-height:1.5}
.insurel-ref-cta{position:relative;background:var(--insurel-ref-sage);overflow:hidden}.insurel-ref-cta__inner{min-height:215px;display:grid;grid-template-columns:1fr auto;gap:44px;align-items:center;position:relative;padding-top:40px;padding-bottom:40px}.insurel-ref-cta h2{margin:0 0 13px;font-size:clamp(30px,3.4vw,46px);line-height:1.07}.insurel-ref-cta p{margin:0;color:#687974;font-size:14px}.insurel-ref-button,.insurel-ref-header__cta{display:inline-flex;align-items:center;gap:24px;background:var(--insurel-ref-primary);color:#fff!important;text-decoration:none!important;border-radius:5px;padding:15px 20px;font-weight:650;font-size:13px;line-height:1;transition:transform .2s,background .2s}.insurel-ref-button:hover,.insurel-ref-header__cta:hover{background:var(--insurel-ref-deep);transform:translateY(-1px)}
.insurel-ref-cta__art{position:absolute;width:260px;height:260px;right:-155px;bottom:-154px;border-radius:50%;border:1px solid rgba(255,255,255,.85);box-shadow:0 0 0 29px rgba(255,255,255,.28),0 0 0 58px rgba(255,255,255,.13)}
/* Reusable reference header within original InsuRel header framework */
.top_panel_style_reference{background:#fff!important;border-bottom:1px solid rgba(11,90,72,.09);box-shadow:none!important}.top_panel_inner_style_reference{background:#fff!important}.insurel-ref-header__inner{min-height:82px;display:grid;grid-template-columns:auto 1fr auto;gap:38px;align-items:center}.insurel-ref-header__logo{min-width:175px}.insurel-ref-header__logo .logo img{max-height:52px;width:auto}.insurel-ref-header__nav{text-align:center}.insurel-ref-header__nav>ul{display:inline-flex!important;align-items:center;gap:33px}.insurel-ref-header__nav>ul>li{margin:0!important}.insurel-ref-header__nav>ul>li>a{color:var(--insurel-ref-primary)!important;font-size:13px!important;font-weight:600!important;padding:30px 0!important;line-height:1!important}.insurel-ref-header__nav>ul>li>a:hover{color:var(--insurel-ref-deep)!important}.insurel-ref-header__cta{justify-self:end}
/* Apply the same restrained visual language to the original reusable footer when the skin is enabled. */
.insurel-reference-skin .footer_wrap,.insurel-reference-skin .contacts_wrap{background:#fff!important;border-top:1px solid rgba(11,90,72,.09)}.insurel-reference-skin .footer_wrap_inner,.insurel-reference-skin .contacts_wrap_inner{background:transparent!important}.insurel-reference-skin .copyright_wrap{background:var(--insurel-ref-deep)!important}.insurel-reference-skin .copyright_wrap,.insurel-reference-skin .copyright_wrap a{color:rgba(255,255,255,.82)!important}.insurel-reference-skin .copyright_wrap_inner{padding-top:22px!important;padding-bottom:22px!important}.insurel-reference-skin .sc_button,.insurel-reference-skin input[type="submit"]{background:var(--insurel-ref-primary)!important;border-color:var(--insurel-ref-primary)!important}
/* Make the dedicated page template full-bleed despite the classic theme content wrapper. */
.page-template-page-reference-home .page_content_wrap{padding-top:0!important;padding-bottom:0!important}.page-template-page-reference-home .page_content_wrap>.content_wrap{width:100%!important;max-width:none!important}.page-template-page-reference-home .page_content_wrap .content{width:100%!important;margin:0!important}.page-template-page-reference-home .page_content_wrap .sidebar{display:none!important}
@media(max-width:1024px){.insurel-ref-hero__side{display:none}.insurel-ref-cards__grid{grid-template-columns:1fr 1fr}.insurel-ref-card--2{grid-column:span 2;grid-row:1}.insurel-ref-services__grid{grid-template-columns:1fr}.insurel-ref-service{border-right:0;border-bottom:1px solid rgba(11,90,72,.15);padding-inline:8px}.insurel-ref-service:last-child{border-bottom:0}.insurel-ref-process__grid{grid-template-columns:1fr;gap:48px}.insurel-ref-header__inner{grid-template-columns:auto 1fr}.insurel-ref-header__nav,.insurel-ref-header__cta{display:none}}
@media(max-width:640px){.insurel-ref-container{width:min(var(--insurel-ref-max),calc(100% - 32px))}.insurel-ref-hero{padding:50px 0 45px}.insurel-ref-hero__inner{min-height:220px}.insurel-ref-hero h1{font-size:45px}.insurel-ref-hero__lead{font-size:15px}.insurel-ref-cards__grid{grid-template-columns:1fr;gap:8px}.insurel-ref-card--2{grid-column:auto;grid-row:auto}.insurel-ref-card{height:365px}.insurel-ref-services{padding:8px 0}.insurel-ref-process{padding:70px 0}.insurel-ref-process__intro h2{font-size:44px}.insurel-ref-cta__inner{min-height:260px;grid-template-columns:1fr;gap:26px;align-content:center}.insurel-ref-button{justify-self:start}.insurel-ref-cta__art{right:-200px}.insurel-ref-header__inner{min-height:72px}}
@media(prefers-reduced-motion:reduce){.insurel-ref-card img,.insurel-ref-button,.insurel-ref-header__cta,.insurel-ref-arrow{transition:none!important}}

/* Front-page integration */
.insurel_reference_front_wrap { padding:0 !important; margin:0 !important; }
.insurel_reference_front_content { width:100% !important; max-width:none !important; float:none !important; margin:0 !important; padding:0 !important; }
.insurel-reference-home { width:100%; overflow:hidden; }
body.home.insurel-reference-skin .page_content_wrap, body.home.insurel-reference-skin .content { background:#fff; }

/* Global replacement header */
body.insurel-reference-skin .top_panel_style_reference{display:block!important;}
body.insurel-reference-skin .insurel-ref-header__logo-link{display:inline-flex;align-items:center;text-decoration:none;}
body.insurel-reference-skin .insurel-ref-header__logo-image{display:block;max-width:280px;object-fit:contain;}
body.insurel-reference-skin .top_panel_style_reference .logo_text{color:var(--insurel-ref-primary)!important;font-weight:700!important;}
body.insurel-reference-skin .top_panel_title{margin-top:0!important;}
@media(max-width:1024px){body.insurel-reference-skin .insurel-ref-header__logo-image{max-width:220px}}
@media(max-width:640px){body.insurel-reference-skin .insurel-ref-header__logo-image{max-width:180px}}


/* -------------------------------------------------------------------------
   Responsive correction layer
   Fixes legacy InsuRel mobile scaling and ensures the new reference design
   behaves like a true mobile layout without WPBakery.
   ------------------------------------------------------------------------- */
html,body{max-width:100%;overflow-x:hidden}
body.insurel-reference-skin .body_wrap,body.insurel-reference-skin .page_wrap,body.insurel-reference-skin .page_content_wrap,body.insurel-reference-skin .insurel_reference_front_wrap,body.insurel-reference-skin .insurel_reference_front_content{max-width:100%}
body.home.insurel-reference-skin .insurel_reference_front_content,body.page-template-page-reference-home.insurel-reference-skin .content{width:100%!important}
body.home.insurel-reference-skin .insurel-reference-home,body.page-template-page-reference-home.insurel-reference-skin .insurel-reference-home{width:100vw!important;max-width:100vw!important;margin-left:calc(50% - 50vw)!important;margin-right:calc(50% - 50vw)!important}
.insurel-ref-card{isolation:isolate}
.insurel-ref-card img{position:absolute!important;inset:0!important;width:100%!important;height:100%!important;max-width:none!important;object-fit:cover!important;object-position:center!important;margin:0!important;z-index:0}
.insurel-ref-card__overlay{z-index:1}.insurel-ref-card__content{z-index:2}
body.insurel-reference-skin .top_panel_style_reference,body.insurel-reference-skin .top_panel_inner_style_reference{width:100%}
body.insurel-reference-skin .insurel-ref-header__inner{width:min(var(--insurel-ref-max),calc(100% - 40px))!important;max-width:var(--insurel-ref-max)!important;margin-inline:auto!important;box-sizing:border-box}
body.insurel-reference-skin .insurel-ref-header__logo{min-width:0}
body.insurel-reference-skin .insurel-ref-header__logo-link{max-width:100%}
body.insurel-reference-skin .insurel-ref-header__logo-image{width:auto!important;height:auto;max-height:52px;max-width:250px!important}
@media(max-width:1024px){
body.insurel-reference-skin .insurel-ref-header__inner{min-height:74px;grid-template-columns:minmax(0,1fr) auto;gap:18px}
body.insurel-reference-skin .insurel-ref-header__nav,body.insurel-reference-skin .insurel-ref-header__cta{display:none!important}
.insurel-ref-container{width:min(var(--insurel-ref-max),calc(100% - 40px))}
.insurel-ref-hero{padding:62px 0 56px}.insurel-ref-hero__inner{min-height:0}
.insurel-ref-cards__grid{grid-template-columns:1fr 1fr;gap:12px}.insurel-ref-card{height:420px}.insurel-ref-card--2{grid-column:span 2;grid-row:1}
.insurel-ref-service{min-height:88px;padding:16px 10px}.insurel-ref-process{padding:80px 0 86px}.insurel-ref-process__grid{gap:42px}}
@media(max-width:640px){
body.insurel-reference-skin .insurel-ref-header__inner{min-height:68px;width:calc(100% - 28px)!important;display:flex;align-items:center;justify-content:flex-start}
body.insurel-reference-skin .insurel-ref-header__logo{width:100%}body.insurel-reference-skin .insurel-ref-header__logo-image{max-width:min(210px,68vw)!important;max-height:46px!important}
.insurel-ref-container{width:calc(100% - 32px);max-width:none}
.insurel-ref-hero{padding:44px 0 42px}.insurel-ref-eyebrow{gap:10px;margin-bottom:15px;font-size:9px;letter-spacing:.16em}.insurel-ref-eyebrow:before{width:25px}
.insurel-ref-hero h1{font-size:clamp(38px,11.5vw,48px);line-height:1.02;margin:5px 0 18px;letter-spacing:-.04em;text-wrap:balance}.insurel-ref-hero__lead{max-width:330px;font-size:15px;line-height:1.55}
.insurel-ref-cards{padding-bottom:0}.insurel-ref-cards__grid{grid-template-columns:1fr;gap:10px}.insurel-ref-card--2{grid-column:auto;grid-row:auto}.insurel-ref-card{height:clamp(360px,112vw,480px);min-height:360px;border-radius:max(8px,var(--insurel-ref-radius))}.insurel-ref-card img{object-position:center center!important}.insurel-ref-card__overlay{inset:46% 0 0;background:linear-gradient(180deg,rgba(3,43,34,0),rgba(3,43,34,.86))}.insurel-ref-card__content{left:22px;right:22px;bottom:24px}.insurel-ref-card__content strong{font-size:19px;line-height:1.22}
.insurel-ref-services{padding:6px 0}.insurel-ref-services__grid{width:calc(100% - 32px)}.insurel-ref-service{grid-template-columns:42px minmax(0,1fr) 24px;gap:13px;min-height:84px;padding:14px 0!important}.insurel-ref-service__icon{width:38px;height:38px}.insurel-ref-service__icon svg{width:28px;height:28px}.insurel-ref-service__copy strong{font-size:15px}.insurel-ref-service__copy small{font-size:12px}.insurel-ref-arrow{text-align:right}
.insurel-ref-process{padding:68px 0 72px}.insurel-ref-process__grid{grid-template-columns:1fr;gap:36px}.insurel-ref-process__intro h2{font-size:clamp(38px,11vw,48px);line-height:1.02;margin-bottom:20px}.insurel-ref-process__intro>p:last-child{font-size:15px;line-height:1.65}.insurel-ref-process__steps li{grid-template-columns:46px minmax(0,1fr);gap:14px;padding:16px 0 18px}.insurel-ref-process__number{width:42px;height:42px}.insurel-ref-process__steps strong{font-size:15px}.insurel-ref-process__steps small{font-size:12px;line-height:1.5}
.insurel-ref-cta__inner{min-height:0;padding-top:48px;padding-bottom:50px;grid-template-columns:1fr;gap:25px}.insurel-ref-cta h2{max-width:340px;font-size:clamp(31px,9vw,40px)}.insurel-ref-cta p{max-width:330px;font-size:13px;line-height:1.55}.insurel-ref-button{width:fit-content;min-height:46px;padding:15px 18px}.insurel-ref-cta__art{width:210px;height:210px;right:-150px;bottom:-135px}
body.insurel-reference-skin img,body.insurel-reference-skin iframe,body.insurel-reference-skin video{max-width:100%}}
@media(max-width:380px){.insurel-ref-container,.insurel-ref-services__grid{width:calc(100% - 24px)}.insurel-ref-hero h1{font-size:36px}.insurel-ref-card{min-height:340px;height:108vw}.insurel-ref-process__intro h2{font-size:36px}}

/* Mobile header logo: use only the new Reference Header image, never legacy
   logo text/title, and keep the mark proportional on small screens. */
body.insurel-reference-skin .header_mobile .insurel-ref-mobile-logo {
  display: flex !important;
  align-items: center;
  padding: 0 !important;
  margin: 0 !important;
  height: 100%;
  max-width: calc(100% - 88px);
}
body.insurel-reference-skin .header_mobile .insurel-ref-mobile-logo__link {
  display: inline-flex;
  align-items: center;
  max-width: 100%;
  text-decoration: none;
}
body.insurel-reference-skin .header_mobile .insurel-ref-mobile-logo__image {
  display: block !important;
  width: auto !important;
  height: auto !important;
  max-width: min(220px, 62vw) !important;
  max-height: 52px !important;
  object-fit: contain !important;
}
body.insurel-reference-skin .header_mobile .logo_text,
body.insurel-reference-skin .header_mobile .logo_slogan {
  display: none !important;
}
body.insurel-reference-skin .header_mobile .content_wrap {
  min-height: 74px;
  display: flex;
  align-items: center;
  margin: 0 auto !important;
  width: calc(100% - 32px) !important;
  max-width: none !important;
  position: relative;
}
body.insurel-reference-skin .header_mobile .menu_button {
  left: auto !important;
  right: 0 !important;
  top: 50% !important;
  transform: translateY(-50%);
  margin: 0 !important;
  color: var(--insurel-ref-primary) !important;
}
@media (max-width: 480px) {
  body.insurel-reference-skin .header_mobile .logo {
    padding-top: 0 !important;
    padding-bottom: 0 !important;
  }
  body.insurel-reference-skin .header_mobile .insurel-ref-mobile-logo__image {
    max-width: min(205px, 64vw) !important;
    max-height: 48px !important;
  }
  body.insurel-reference-skin .header_mobile .side_wrap {
    top: 74px;
  }
  .admin-bar body.insurel-reference-skin .header_mobile .side_wrap {
    top: 120px;
  }
}

/* Fix: avoid rendering the desktop reference header underneath the legacy
   mobile header. Both headers were visible at phone widths, which made the
   same uploaded logo appear doubled/overprinted. */
@media (max-width: 1024px) {
  body.insurel-reference-skin .top_panel_wrap.top_panel_style_reference,
  body.insurel-reference-skin .top_panel_fixed_wrap {
    display: none !important;
  }
  body.insurel-reference-skin .header_mobile {
    display: block !important;
    visibility: visible !important;
    opacity: 1 !important;
  }
}

@media (min-width: 1025px) {
  body.insurel-reference-skin .header_mobile {
    display: none !important;
  }
}

/* Native Gutenberg migration components */
.insurel-native-page{width:100%;overflow:hidden}.insurel-native-editor-content{width:min(1180px,calc(100% - 40px));margin:0 auto;padding:56px 0 80px}.insurel-native-editor-content>.alignfull{width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw)}.insurel-native-editor-content>.alignwide{max-width:1180px;margin-left:auto;margin-right:auto}.insurel-native-hero{background:#f5f8f5;padding:80px 0}.insurel-native-hero>.wp-block-group{width:min(1180px,calc(100% - 40px));margin:auto}.insurel-native-hero h1{color:var(--insurel-ref-primary);font-size:clamp(42px,6vw,72px);line-height:1.02}.insurel-native-section{padding:72px 0}.insurel-native-card{height:100%;box-sizing:border-box;padding:30px;border:1px solid rgba(11,90,72,.14);border-radius:14px;background:#fff}.insurel-native-card h3{color:var(--insurel-ref-primary)}.insurel-native-rounded-image img{border-radius:14px;width:100%;height:auto}.insurel-native-step{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--insurel-ref-sage);color:var(--insurel-ref-primary);font-weight:700}.insurel-native-cta{background:var(--insurel-ref-sage);padding:50px 0}.insurel-native-cta>.wp-block-group{width:min(1180px,calc(100% - 40px));margin:auto}.insurel-native-faq details{border-bottom:1px solid rgba(11,90,72,.16);padding:18px 0}.insurel-native-faq summary{font-weight:700;color:var(--insurel-ref-primary);cursor:pointer}
@media(max-width:640px){.insurel-native-editor-content{width:calc(100% - 30px);padding:36px 0 56px}.insurel-native-hero{padding:54px 0}.insurel-native-hero>.wp-block-group,.insurel-native-cta>.wp-block-group{width:calc(100% - 30px)}.insurel-native-section{padding:48px 0}.insurel-native-card{padding:22px}.insurel-native-hero h1{font-size:clamp(38px,11vw,48px)}}

/* -------------------------------------------------------------------------
   Inner-page spacing fix
   The legacy InsuRel page-title band uses ~26em of vertical padding. With the
   new global Reference header this becomes an empty white gap on normal pages.
   Remove that legacy band and let page content/native templates own their hero.
   ------------------------------------------------------------------------- */
body.insurel-reference-skin.page:not(.home) .top_panel_title {
  display: none !important;
}

/* Legacy pages: keep a deliberate, compact separation below the global header. */
body.insurel-reference-skin.page:not(.home) .page_content_wrap {
  padding-top: clamp(36px, 4vw, 58px) !important;
}

/* Native migration templates already provide their own section/hero spacing. */
body[class*="page-template-page-native-"] .page_content_wrap {
  padding-top: 0 !important;
  padding-bottom: 0 !important;
}

@media (max-width: 640px) {
  body.insurel-reference-skin.page:not(.home) .page_content_wrap {
    padding-top: 28px !important;
  }
  body[class*="page-template-page-native-"] .page_content_wrap {
    padding-top: 0 !important;
  }
}

/* Native published Team directory */
.insurel-native-team{width:100%}.insurel-native-team__heading{margin:0 0 32px;color:var(--insurel-ref-primary);font-size:clamp(34px,4.5vw,54px);line-height:1.05}.insurel-native-team__grid{display:grid;gap:28px}.insurel-native-team__grid--1{grid-template-columns:1fr}.insurel-native-team__grid--2{grid-template-columns:repeat(2,minmax(0,1fr))}.insurel-native-team__grid--3{grid-template-columns:repeat(3,minmax(0,1fr))}.insurel-native-team__grid--4{grid-template-columns:repeat(4,minmax(0,1fr))}.insurel-native-team-card{min-width:0;overflow:hidden;border:1px solid rgba(11,90,72,.14);border-radius:14px;background:#fff}.insurel-native-team-card__image{display:block;aspect-ratio:4/3;overflow:hidden;background:var(--insurel-ref-sage)}.insurel-native-team-card__image img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .25s ease}.insurel-native-team-card:hover .insurel-native-team-card__image img{transform:scale(1.025)}.insurel-native-team-card__body{padding:24px}.insurel-native-team-card__name{margin:0 0 5px;font-size:24px;line-height:1.15}.insurel-native-team-card__name a{color:var(--insurel-ref-primary);text-decoration:none}.insurel-native-team-card__position{margin:0 0 14px;color:#9a6f1f;font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.08em}.insurel-native-team-card__brief{color:#59645f}.insurel-native-team-card__brief p{margin:.65em 0}.insurel-native-team-card__email{margin:14px 0 0}.insurel-native-team-notice{padding:16px 18px;border-left:4px solid #b77c18;background:#fff8e8;color:#5f4a1d}
@media(max-width:900px){.insurel-native-team__grid--3,.insurel-native-team__grid--4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.insurel-native-team__grid--2,.insurel-native-team__grid--3,.insurel-native-team__grid--4{grid-template-columns:1fr}.insurel-native-team__heading{margin-bottom:24px}.insurel-native-team-card__body{padding:20px}}

/* -------------------------------------------------------------------------
   Site-wide inner-page normalization
   Applies to Pages, Posts, CPTs, archives, search and 404 when Reference skin
   is active. It supersedes the old page-only gap fix.
   ------------------------------------------------------------------------- */
body.insurel-reference-skin:not(.home) .top_panel_title,
body.insurel-reference-skin:not(.home) .slider_wrap {
  display: none !important;
  height: 0 !important;
  min-height: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
  overflow: hidden !important;
}

body.insurel-reference-skin:not(.home) .page_content_wrap {
  padding-top: clamp(26px, 3vw, 44px) !important;
}

body.insurel-reference-skin.page-template-page-native-about .page_content_wrap,
body.insurel-reference-skin.page-template-page-native-buy-insurance .page_content_wrap,
body.insurel-reference-skin.page-template-page-native-claims .page_content_wrap,
body.insurel-reference-skin.page-template-page-native-contact .page_content_wrap,
body.insurel-reference-skin.page-template-page-native-service-detail .page_content_wrap,
body.insurel-reference-skin.page-template-page-native-services .page_content_wrap,
body.insurel-reference-skin.page-template-page-native-standard .page_content_wrap,
body.insurel-reference-skin.page-template-page-native-team .page_content_wrap,
body.insurel-reference-skin.page-template-blog-team .page_content_wrap {
  padding-top: 0 !important;
  padding-bottom: 0 !important;
}

/* Default WordPress Pages now render as content, not blog posts. */
.insurel-reference-standard-page .insurel-native-editor-content {
  padding-top: clamp(36px, 4vw, 58px);
}
.insurel-reference-standard-page .post_info,
.insurel-native-page .post_info,
.insurel-native-page .post_meta,
.insurel-native-page .post_author,
.insurel-native-page .post_counters {
  display: none !important;
}

/* Board/Team page cards: premium editorial treatment from the reference mock. */
.insurel-native-team-section { padding-top: 20px; }
.insurel-native-team-card {
  border: 0;
  border-radius: 12px;
  box-shadow: 0 12px 34px rgba(6,69,55,.07);
}
.insurel-native-team-card__image { aspect-ratio: 4 / 3.25; }
.insurel-native-team-card__body { padding: 24px 24px 28px; }
.insurel-native-team-card__name {
  font-size: clamp(20px,2vw,25px);
  text-transform: none;
}
.insurel-native-team-card__position {
  color: var(--insurel-ref-gold);
  margin-bottom: 12px;
}
.insurel-native-team-card__brief {
  margin: 0;
  color: var(--insurel-ref-body);
  line-height: 1.55;
}
.insurel-native-team-card__brief::after {
  content: "";
  display: block;
  width: 34px;
  height: 2px;
  margin-top: 18px;
  background: var(--insurel-ref-gold);
}

/* Global reusable Reference footer. */
.insurel-reference-footer {
  background: var(--insurel-ref-deep);
  color: rgba(255,255,255,.82);
  margin-top: 0;
}
.insurel-reference-footer a { color: #fff; text-decoration: none; }
.insurel-reference-footer__top {
  min-height: 122px;
  display: grid;
  grid-template-columns: minmax(240px,.8fr) minmax(0,1.2fr);
  gap: 48px;
  align-items: center;
  padding-top: 30px;
  padding-bottom: 30px;
}
.insurel-reference-footer__brand p { margin: 9px 0 0; color: rgba(255,255,255,.72); font-size: 13px; }
.insurel-reference-footer__logo { display:block; width:auto; max-width:240px; object-fit:contain; filter: brightness(0) invert(1); }
.insurel-reference-footer__site-name { font-weight:750; font-size:20px; }
.insurel-reference-footer__nav > ul,
.insurel-reference-footer__nav .menu_main_nav {
  display:flex;
  flex-wrap:wrap;
  justify-content:flex-end;
  gap: 10px 28px;
  margin:0;
  padding:0;
  list-style:none;
}
.insurel-reference-footer__nav li { margin:0; }
.insurel-reference-footer__nav a { font-size:13px; }
.insurel-reference-footer__bottom {
  border-top: 1px solid rgba(255,255,255,.18);
  padding-top: 19px;
  padding-bottom: 20px;
  font-size: 12px;
  color: rgba(255,255,255,.68);
}

@media (max-width: 900px) {
  .insurel-reference-footer__top { grid-template-columns: 1fr; gap: 24px; }
  .insurel-reference-footer__nav > ul,
  .insurel-reference-footer__nav .menu_main_nav { justify-content:flex-start; }
}
@media (max-width: 640px) {
  body.insurel-reference-skin:not(.home) .page_content_wrap { padding-top: 18px !important; }
  body.insurel-reference-skin.page-template-page-native-about .page_content_wrap,
  body.insurel-reference-skin.page-template-page-native-buy-insurance .page_content_wrap,
  body.insurel-reference-skin.page-template-page-native-claims .page_content_wrap,
  body.insurel-reference-skin.page-template-page-native-contact .page_content_wrap,
  body.insurel-reference-skin.page-template-page-native-service-detail .page_content_wrap,
  body.insurel-reference-skin.page-template-page-native-services .page_content_wrap,
  body.insurel-reference-skin.page-template-page-native-standard .page_content_wrap,
  body.insurel-reference-skin.page-template-page-native-team .page_content_wrap,
  body.insurel-reference-skin.page-template-blog-team .page_content_wrap { padding-top:0 !important; }
  .insurel-reference-footer__top { width:calc(100% - 32px); padding-top:34px; padding-bottom:28px; }
  .insurel-reference-footer__bottom { width:calc(100% - 32px); }
  .insurel-reference-footer__nav > ul,
  .insurel-reference-footer__nav .menu_main_nav { display:grid; grid-template-columns:1fr 1fr; gap:12px 20px; }
  .insurel-reference-footer__logo { max-width:205px; }
}

/* -------------------------------------------------------------------------
   Site-wide Reference enforcement v2.4
   Legacy InsuRel page templates can retain large padding/sidebar widths even
   after the title band is removed. The new global design owns the public shell.
   ------------------------------------------------------------------------- */
body.insurel-reference-sitewide .top_panel_title,
body.insurel-reference-sitewide .slider_wrap,
body.insurel-reference-sitewide .slider_engine_revo,
body.insurel-reference-sitewide .slider_engine_swiper {
  display: none !important;
  height: 0 !important;
  min-height: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
  overflow: hidden !important;
}

body.insurel-reference-sitewide .page_content_wrap {
  padding-top: 0 !important;
  padding-bottom: 0 !important;
  margin-top: 0 !important;
}

body.insurel-reference-sitewide .page_content_wrap > .content,
body.insurel-reference-sitewide .page_content_wrap .content {
  width: 100% !important;
  max-width: none !important;
  float: none !important;
  margin: 0 !important;
}

/* The default native Page renderer supplies a compact intentional gutter. */
body.insurel-reference-sitewide:not(.home) .insurel-reference-standard-page .insurel-native-editor-content {
  padding-top: clamp(30px, 3.5vw, 52px) !important;
}

/* Never show old blog chrome on public WordPress Pages. */
body.insurel-reference-sitewide.page .post_info,
body.insurel-reference-sitewide.page .post_meta,
body.insurel-reference-sitewide.page .post_counters,
body.insurel-reference-sitewide.page .post_author,
body.insurel-reference-sitewide.page .post_info_date,
body.insurel-reference-sitewide.page .post_info_counters,
body.insurel-reference-sitewide.page .post_info_views,
body.insurel-reference-sitewide.page .post_info_posted {
  display: none !important;
}

/* Old sidebar columns are no longer part of the site-wide Reference shell. */
body.insurel-reference-sitewide .sidebar,
body.insurel-reference-sitewide .sidebar_outer {
  display: none !important;
}

@media (max-width: 640px) {
  body.insurel-reference-sitewide:not(.home) .insurel-reference-standard-page .insurel-native-editor-content {
    padding-top: 24px !important;
  }
}

/* -------------------------------------------------------------------------
   Board / native page polish v2.5
   Normalizes shared containers, removes residual legacy gutters, improves
   portrait crop/card rhythm, and gives CTA/footer the intended reference look.
   ------------------------------------------------------------------------- */

:root { --insurel-ref-max: 1280px; }

body.insurel-reference-sitewide .insurel-native-editor-content.has-native-hero { padding-top:0!important; }
body.insurel-reference-sitewide .insurel-native-editor-content.has-native-cta { padding-bottom:0!important; }

body.insurel-reference-sitewide .insurel-native-hero {
  box-sizing:border-box; min-height:0!important; margin:0!important;
  padding:56px 0 60px!important; background:#f5f8f5;
}
body.insurel-reference-sitewide .insurel-native-hero > .wp-block-group,
body.insurel-reference-sitewide .insurel-native-hero > .wp-block-group__inner-container,
body.insurel-reference-sitewide .insurel-native-hero .wp-block-group.alignwide {
  width:min(var(--insurel-ref-max),calc(100% - 96px))!important;
  max-width:var(--insurel-ref-max)!important; min-height:0!important;
  margin-left:auto!important; margin-right:auto!important;
  padding-left:0!important; padding-right:0!important; box-sizing:border-box;
}
body.insurel-reference-sitewide .insurel-native-hero h1 {
  max-width:900px; margin:10px 0 14px!important;
  color:var(--insurel-ref-primary)!important;
  font-size:clamp(44px,4.45vw,60px)!important; line-height:1.02!important;
  letter-spacing:-.035em!important; font-weight:650!important;
}
body.insurel-reference-sitewide .insurel-native-hero .has-large-font-size {
  max-width:790px; margin-top:0!important; margin-bottom:0!important;
  color:var(--insurel-ref-body)!important; font-size:18px!important; line-height:1.6!important;
}
body.insurel-reference-sitewide .insurel-native-hero .insurel-ref-eyebrow { margin-top:26px; }
body.insurel-reference-sitewide .insurel-native-hero a { color:var(--insurel-ref-primary); }

body.insurel-reference-sitewide .insurel-native-team-section {
  width:min(var(--insurel-ref-max),calc(100% - 96px))!important;
  max-width:var(--insurel-ref-max)!important; margin:0 auto!important;
  padding:62px 0 70px!important; box-sizing:border-box;
}
body.insurel-reference-sitewide .insurel-native-team__grid { gap:28px!important; }
body.insurel-reference-sitewide .insurel-native-team__grid--3 { grid-template-columns:repeat(6,minmax(0,1fr))!important; }
body.insurel-reference-sitewide .insurel-native-team__grid--3 > .insurel-native-team-card { grid-column:span 2; }
body.insurel-reference-sitewide .insurel-native-team__grid--3 > .insurel-native-team-card:nth-last-child(2):nth-child(3n + 1) { grid-column:2 / span 2; }
body.insurel-reference-sitewide .insurel-native-team__grid--3 > .insurel-native-team-card:nth-last-child(1):nth-child(3n + 2) { grid-column:4 / span 2; }
body.insurel-reference-sitewide .insurel-native-team-card {
  display:flex; min-width:0; height:100%; flex-direction:column; overflow:hidden;
  border:0!important; border-radius:12px!important; background:#fff;
  box-shadow:0 12px 32px rgba(6,69,55,.065);
}
body.insurel-reference-sitewide .insurel-native-team-card__image {
  position:relative; display:block; flex:0 0 auto; aspect-ratio:1.23 / 1!important;
  overflow:hidden; background:#edf2ee;
}
body.insurel-reference-sitewide .insurel-native-team-card__image img {
  width:100%!important; height:100%!important; max-width:none!important;
  object-fit:cover!important; object-position:50% 15%!important;
}
body.insurel-reference-sitewide .insurel-native-team-card__body {
  display:flex; flex:1 1 auto; flex-direction:column; min-height:205px;
  padding:24px 26px 27px!important;
}
body.insurel-reference-sitewide .insurel-native-team-card__name {
  margin:0 0 7px!important; color:var(--insurel-ref-primary);
  font-size:clamp(20px,1.65vw,24px)!important; line-height:1.16!important; font-weight:600!important;
}
body.insurel-reference-sitewide .insurel-native-team-card__name a { color:inherit!important; }
body.insurel-reference-sitewide .insurel-native-team-card__position {
  margin:0 0 14px!important; color:var(--insurel-ref-gold)!important;
  font-size:12px!important; line-height:1.35!important; font-weight:700!important; letter-spacing:.095em!important;
}
body.insurel-reference-sitewide .insurel-native-team-card__brief {
  display:-webkit-box; margin:0!important; overflow:hidden; color:var(--insurel-ref-body)!important;
  font-size:14px; line-height:1.55!important; -webkit-box-orient:vertical; -webkit-line-clamp:3; line-clamp:3;
}
body.insurel-reference-sitewide .insurel-native-team-card__brief::after {
  content:""; display:block; width:34px; height:2px; margin-top:19px; background:var(--insurel-ref-gold);
}
body.insurel-reference-sitewide .insurel-native-team-card__email { display:none; }

body.insurel-reference-sitewide .insurel-native-editor-content > .insurel-ref-services,
body.insurel-reference-sitewide .insurel-native-editor-content .insurel-ref-services {
  width:min(var(--insurel-ref-max),calc(100% - 96px))!important;
  max-width:var(--insurel-ref-max)!important; margin:0 auto!important;
  padding:18px 30px!important; box-sizing:border-box; background:var(--insurel-ref-sage)!important;
}
body.insurel-reference-sitewide .insurel-native-editor-content .insurel-ref-services__grid { width:100%!important; max-width:none!important; }
body.insurel-reference-sitewide .insurel-native-editor-content .insurel-ref-service { min-height:92px; padding-top:12px; padding-bottom:12px; }

body.insurel-reference-sitewide .insurel-native-cta {
  width:100vw!important; max-width:none!important;
  margin-left:calc(50% - 50vw)!important; margin-right:calc(50% - 50vw)!important;
  padding:58px 0 62px!important; background:var(--insurel-ref-sage)!important;
}
body.insurel-reference-sitewide .insurel-native-cta > .wp-block-group,
body.insurel-reference-sitewide .insurel-native-cta > .wp-block-group__inner-container,
body.insurel-reference-sitewide .insurel-native-cta .wp-block-group.alignwide {
  width:min(var(--insurel-ref-max),calc(100% - 96px))!important;
  max-width:var(--insurel-ref-max)!important; margin-left:auto!important; margin-right:auto!important;
}
body.insurel-reference-sitewide .insurel-native-cta .wp-block-columns {
  display:grid!important; grid-template-columns:minmax(0,1.15fr) minmax(250px,.55fr)!important;
  gap:72px!important; align-items:center!important; margin:0!important;
}
body.insurel-reference-sitewide .insurel-native-cta .wp-block-column { flex-basis:auto!important; }
body.insurel-reference-sitewide .insurel-native-cta h2 {
  max-width:690px; margin:10px 0 15px!important; color:var(--insurel-ref-primary)!important;
  font-size:clamp(38px,4vw,52px)!important; line-height:1.04!important;
  letter-spacing:-.035em!important; font-weight:650!important;
}
body.insurel-reference-sitewide .insurel-native-cta p:not(.insurel-ref-eyebrow) {
  max-width:650px; margin-bottom:0!important; color:var(--insurel-ref-body)!important;
  font-size:15px!important; line-height:1.6!important;
}
body.insurel-reference-sitewide .insurel-native-cta .wp-block-buttons { justify-content:flex-end!important; }
body.insurel-reference-sitewide .insurel-native-cta .wp-block-button__link,
body.insurel-reference-sitewide .insurel-native-cta .wp-element-button {
  display:inline-flex!important; min-height:48px; align-items:center; justify-content:center;
  border:0!important; border-radius:6px!important; background:var(--insurel-ref-primary)!important;
  color:#fff!important; padding:14px 20px!important; font-size:13px!important; font-weight:650!important; box-shadow:none!important;
}
body.insurel-reference-sitewide .insurel-native-cta .wp-block-button__link:hover,
body.insurel-reference-sitewide .insurel-native-cta .wp-element-button:hover { background:var(--insurel-ref-deep)!important; color:#fff!important; }

body.insurel-reference-sitewide .insurel-reference-footer { margin-top:0!important; background:var(--insurel-ref-deep)!important; color:rgba(255,255,255,.84)!important; }
body.insurel-reference-sitewide .insurel-reference-footer .insurel-ref-container {
  width:min(var(--insurel-ref-max),calc(100% - 96px))!important; max-width:var(--insurel-ref-max)!important;
}
body.insurel-reference-sitewide .insurel-reference-footer__top {
  grid-template-columns:minmax(270px,.7fr) minmax(0,1.5fr)!important; gap:56px!important;
  min-height:132px; padding-top:30px!important; padding-bottom:30px!important;
}
body.insurel-reference-sitewide .insurel-reference-footer__logo-link {
  display:inline-flex; align-items:center; max-width:255px; border-radius:6px; background:#fff; padding:6px 10px;
}
body.insurel-reference-sitewide .insurel-reference-footer__logo {
  display:block; width:auto!important; max-width:230px!important; max-height:50px!important;
  object-fit:contain; filter:none!important;
}
body.insurel-reference-sitewide .insurel-reference-footer__brand p { margin:11px 0 0!important; color:rgba(255,255,255,.76)!important; }
body.insurel-reference-sitewide .insurel-reference-footer__nav,
body.insurel-reference-sitewide .insurel-reference-footer__nav ul { width:100%; }
body.insurel-reference-sitewide .insurel-reference-footer__nav > ul,
body.insurel-reference-sitewide .insurel-reference-footer__nav .menu_main_nav {
  display:flex!important; flex-wrap:nowrap!important; justify-content:flex-end!important; align-items:center!important;
  gap:10px 25px!important; margin:0!important; padding:0!important; list-style:none!important;
}
body.insurel-reference-sitewide .insurel-reference-footer__nav li,
body.insurel-reference-sitewide .insurel-reference-footer__nav li.menu-item { margin:0!important; padding:0!important; }
body.insurel-reference-sitewide .insurel-reference-footer__nav a,
body.insurel-reference-sitewide .insurel-reference-footer__nav li > a,
body.insurel-reference-sitewide .insurel-reference-footer .menu_main_nav > li > a {
  display:inline-block!important; padding:8px 0!important; color:#fff!important;
  font-size:12.5px!important; line-height:1.25!important; white-space:nowrap!important; opacity:.9;
}
body.insurel-reference-sitewide .insurel-reference-footer__nav a:hover { color:#fff!important; opacity:1; }
body.insurel-reference-sitewide .insurel-reference-footer__bottom {
  display:flex!important; align-items:center; justify-content:space-between; gap:30px;
  border-top:1px solid rgba(255,255,255,.18); padding-top:18px!important; padding-bottom:20px!important;
}
body.insurel-reference-sitewide .insurel-reference-footer__copyright { color:rgba(255,255,255,.72)!important; }
body.insurel-reference-sitewide .insurel-reference-footer__legal { display:flex; flex-wrap:wrap; justify-content:flex-end; gap:12px 24px; }
body.insurel-reference-sitewide .insurel-reference-footer__legal a { color:rgba(255,255,255,.78)!important; font-size:12px; white-space:nowrap; }
body.insurel-reference-sitewide .insurel-reference-footer__legal a:hover { color:#fff!important; }

@media (max-width:900px) {
  body.insurel-reference-sitewide .insurel-native-hero > .wp-block-group,
  body.insurel-reference-sitewide .insurel-native-hero > .wp-block-group__inner-container,
  body.insurel-reference-sitewide .insurel-native-hero .wp-block-group.alignwide,
  body.insurel-reference-sitewide .insurel-native-team-section,
  body.insurel-reference-sitewide .insurel-native-editor-content > .insurel-ref-services,
  body.insurel-reference-sitewide .insurel-native-editor-content .insurel-ref-services,
  body.insurel-reference-sitewide .insurel-native-cta > .wp-block-group,
  body.insurel-reference-sitewide .insurel-native-cta > .wp-block-group__inner-container,
  body.insurel-reference-sitewide .insurel-native-cta .wp-block-group.alignwide,
  body.insurel-reference-sitewide .insurel-reference-footer .insurel-ref-container { width:calc(100% - 48px)!important; }
  body.insurel-reference-sitewide .insurel-native-team__grid--3 { grid-template-columns:repeat(2,minmax(0,1fr))!important; }
  body.insurel-reference-sitewide .insurel-native-team__grid--3 > .insurel-native-team-card { grid-column:auto!important; }
  body.insurel-reference-sitewide .insurel-native-cta .wp-block-columns { grid-template-columns:1fr!important; gap:28px!important; }
  body.insurel-reference-sitewide .insurel-native-cta .wp-block-buttons { justify-content:flex-start!important; }
  body.insurel-reference-sitewide .insurel-reference-footer__top { grid-template-columns:1fr!important; gap:22px!important; }
  body.insurel-reference-sitewide .insurel-reference-footer__nav > ul,
  body.insurel-reference-sitewide .insurel-reference-footer__nav .menu_main_nav { flex-wrap:wrap!important; justify-content:flex-start!important; }
}

@media (max-width:640px) {
  body.insurel-reference-sitewide .insurel-native-hero { padding:40px 0 44px!important; }
  body.insurel-reference-sitewide .insurel-native-hero > .wp-block-group,
  body.insurel-reference-sitewide .insurel-native-hero > .wp-block-group__inner-container,
  body.insurel-reference-sitewide .insurel-native-hero .wp-block-group.alignwide,
  body.insurel-reference-sitewide .insurel-native-team-section,
  body.insurel-reference-sitewide .insurel-native-editor-content > .insurel-ref-services,
  body.insurel-reference-sitewide .insurel-native-editor-content .insurel-ref-services,
  body.insurel-reference-sitewide .insurel-native-cta > .wp-block-group,
  body.insurel-reference-sitewide .insurel-native-cta > .wp-block-group__inner-container,
  body.insurel-reference-sitewide .insurel-native-cta .wp-block-group.alignwide,
  body.insurel-reference-sitewide .insurel-reference-footer .insurel-ref-container { width:calc(100% - 32px)!important; }
  body.insurel-reference-sitewide .insurel-native-hero h1 { font-size:clamp(38px,11vw,48px)!important; }
  body.insurel-reference-sitewide .insurel-native-hero .has-large-font-size { font-size:16px!important; }
  body.insurel-reference-sitewide .insurel-native-team-section { padding:46px 0 52px!important; }
  body.insurel-reference-sitewide .insurel-native-team__grid--3 { grid-template-columns:1fr!important; }
  body.insurel-reference-sitewide .insurel-native-team-card__image { aspect-ratio:1.08 / 1!important; }
  body.insurel-reference-sitewide .insurel-native-editor-content > .insurel-ref-services,
  body.insurel-reference-sitewide .insurel-native-editor-content .insurel-ref-services { padding:8px 16px!important; }
  body.insurel-reference-sitewide .insurel-native-cta { padding:46px 0 50px!important; }
  body.insurel-reference-sitewide .insurel-native-cta h2 { font-size:clamp(34px,9.4vw,42px)!important; }
  body.insurel-reference-sitewide .insurel-reference-footer__top,
  body.insurel-reference-sitewide .insurel-reference-footer__bottom { width:calc(100% - 32px)!important; }
  body.insurel-reference-sitewide .insurel-reference-footer__logo-link { max-width:220px; }
  body.insurel-reference-sitewide .insurel-reference-footer__nav > ul,
  body.insurel-reference-sitewide .insurel-reference-footer__nav .menu_main_nav { display:grid!important; grid-template-columns:1fr 1fr!important; gap:10px 18px!important; }
  body.insurel-reference-sitewide .insurel-reference-footer__bottom { align-items:flex-start; flex-direction:column; gap:12px; }
  body.insurel-reference-sitewide .insurel-reference-footer__legal { justify-content:flex-start; }
}

/* -------------------------------------------------------------------------
   Reference header flow / gap fix v2.6
   The legacy InsuRel sticky-header engine inserts a .top_panel_fixed_wrap
   spacer and toggles position:fixed on the header. With the Reference header
   this can reserve a second header-height block and create the large white gap
   seen between the header and page content. The Reference header now owns its
   own sticky behavior and remains in normal document flow.
   ------------------------------------------------------------------------- */
body.insurel-reference-sitewide .top_panel_fixed_wrap {
  display: none !important;
  width: 0 !important;
  height: 0 !important;
  min-height: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
}

body.insurel-reference-sitewide .top_panel_wrap.top_panel_style_reference,
body.insurel-reference-sitewide.top_panel_fixed .top_panel_wrap.top_panel_style_reference,
body.insurel-reference-sitewide.top_panel_over .top_panel_wrap.top_panel_style_reference {
  position: sticky !important;
  top: 0 !important;
  left: auto !important;
  right: auto !important;
  width: 100% !important;
  margin-top: 0 !important;
  transform: none !important;
  z-index: 1001;
}

body.admin-bar.insurel-reference-sitewide .top_panel_wrap.top_panel_style_reference,
body.admin-bar.insurel-reference-sitewide.top_panel_fixed .top_panel_wrap.top_panel_style_reference {
  top: 32px !important;
}

/* No legacy title/slider/header reservation may sit between the global header
   and the native page renderer. */
body.insurel-reference-sitewide:not(.home) .top_panel_title,
body.insurel-reference-sitewide:not(.home) .slider_wrap,
body.insurel-reference-sitewide:not(.home) .slider_engine_revo,
body.insurel-reference-sitewide:not(.home) .slider_engine_swiper {
  display: none !important;
  height: 0 !important;
  min-height: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
}

body.insurel-reference-sitewide:not(.home) .page_content_wrap,
body.insurel-reference-sitewide:not(.home) .page_content_wrap > .content,
body.insurel-reference-sitewide:not(.home) .page_content_wrap .content,
body.insurel-reference-sitewide:not(.home) .insurel-native-page,
body.insurel-reference-sitewide:not(.home) .insurel-reference-standard-page {
  margin-top: 0 !important;
  padding-top: 0 !important;
}

body.insurel-reference-sitewide:not(.home) .insurel-native-editor-content.has-native-hero {
  margin-top: 0 !important;
  padding-top: 0 !important;
}

body.insurel-reference-sitewide:not(.home) .insurel-native-editor-content.has-native-hero > .insurel-native-hero:first-child {
  margin-top: 0 !important;
}

/* Keep ordinary pages that do not start with a native hero readable without
   reintroducing the legacy hundred-pixel gap. */
body.insurel-reference-sitewide:not(.home) .insurel-native-editor-content:not(.has-native-hero) {
  padding-top: clamp(28px, 3vw, 44px) !important;
}

@media (max-width: 782px) {
  body.admin-bar.insurel-reference-sitewide .top_panel_wrap.top_panel_style_reference,
  body.admin-bar.insurel-reference-sitewide.top_panel_fixed .top_panel_wrap.top_panel_style_reference {
    top: 46px !important;
  }
}

@media (max-width: 1024px) {
  /* Desktop reference header is hidden at these widths; do not let its sticky
     rules create any reserved vertical space behind the mobile header. */
  body.insurel-reference-sitewide .top_panel_wrap.top_panel_style_reference,
  body.insurel-reference-sitewide.top_panel_fixed .top_panel_wrap.top_panel_style_reference {
    position: static !important;
    top: auto !important;
  }
}

/* Native migration layout: builder-independent WPBakery row/column equivalents. */
.insurel-native-editor-content .insurel-migrated-row { width:min(1180px,calc(100% - 40px)); margin:0 auto; display:flex; flex-wrap:wrap; align-items:stretch; gap:clamp(20px,3vw,40px); }
.insurel-native-editor-content .insurel-migrated-row + .insurel-migrated-row { margin-top:clamp(28px,4vw,56px); }
.insurel-native-editor-content .insurel-migrated-column { flex:1 1 100%; min-width:0; }
.insurel-native-editor-content .insurel-migrated-col-50 { flex-basis:calc(50% - 20px); }
.insurel-native-editor-content .insurel-migrated-col-33 { flex-basis:calc(33.333% - 27px); }
.insurel-native-editor-content .insurel-migrated-col-67 { flex-basis:calc(66.667% - 14px); }
.insurel-native-editor-content .insurel-migrated-col-25 { flex-basis:calc(25% - 30px); }
.insurel-native-editor-content .insurel-migrated-col-75 { flex-basis:calc(75% - 10px); }
.insurel-native-editor-content .insurel-migrated-col-17 { flex-basis:calc(16.667% - 34px); }
.insurel-native-editor-content .insurel-migrated-col-83 { flex-basis:calc(83.333% - 7px); }
.insurel-native-editor-content .insurel-migrated-image img { width:100%; height:auto; display:block; }
.insurel-native-editor-content .insurel-migrated-heading:first-child { margin-top:0; }
.insurel-native-editor-content .insurel-migration-review { padding:12px 16px; border:1px dashed currentColor; }
@media (max-width:767px) { .insurel-native-editor-content .insurel-migrated-row { width:min(100% - 28px,1180px); gap:20px; } .insurel-native-editor-content .insurel-migrated-column { flex-basis:100% !important; } }