/* ============================================================
   YOUNG'S INSURANCE AGENCY — style.css
   White / blue / serif display design
   ============================================================ */

/* ===== TOKENS ===== */
:root {
  --blue:         #0E95E8;
  --blue-dark:    #0B7AC4;
  --coral:        #E67E73;
  --ink:          #1a1a1a;
  --ink-soft:     #444444;
  --gray:         #666666;
  --gray-light:   #9a9a9a;
  --border:       #E8E8E8;
  --border-dark:  #CCCCCC;
  --cream:        #F7F7F5;
  --white:        #FFFFFF;

  --sans:  'Inter', -apple-system, BlinkMacSystemFont, system-ui, sans-serif;
  --serif: 'Playfair Display', Georgia, serif;
  --mono:  'JetBrains Mono', 'SF Mono', 'Courier New', monospace;

  --max-w:    1200px;
  --gutter:   clamp(1.5rem, 5vw, 3rem);
  --section-y: clamp(4.5rem, 9vw, 7.5rem);
  --radius:   8px;
  --radius-lg: 14px;
  --ease:     cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; border: 0; background: none; cursor: pointer; padding: 0; }
ul, ol { list-style: none; }
address { font-style: normal; }

/* ===== SCROLL ANIMATION ===== */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 600ms var(--ease), transform 600ms var(--ease);
}
.fade-up.visible { opacity: 1; transform: none; }

/* ===== SHARED LAYOUT ===== */
.section-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

section { padding: var(--section-y) 0; }

.divider {
  border: none;
  border-top: 1px solid var(--border);
  margin: 0;
}

/* ===== SHARED TYPE ===== */
.section-eyebrow {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--coral);
  margin-bottom: 0.875rem;
}

.section-h2 {
  font-family: var(--serif);
  font-size: clamp(1.875rem, 3.5vw, 2.75rem);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.01em;
  color: var(--ink);
  margin-bottom: 1rem;
}

.section-lead {
  font-size: 1.125rem;
  line-height: 1.72;
  color: var(--gray);
  max-width: 62ch;
  margin-bottom: 2.5rem;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.9375rem 1.875rem;
  border-radius: var(--radius);
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1;
  white-space: nowrap;
  border: 2px solid transparent;
  transition: all 200ms var(--ease);
}

.btn-primary {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}
.btn-primary:hover {
  background: var(--blue-dark);
  border-color: var(--blue-dark);
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--border-dark);
}
.btn-ghost:hover { border-color: var(--ink); }

.btn-ghost-dark {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.45);
}
.btn-ghost-dark:hover { border-color: var(--white); }

/* ===== NAV ===== */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 1.25rem var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--ink);
  white-space: nowrap;
}
.nav-logo span { color: var(--blue); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav-links a {
  font-size: 0.9375rem;
  color: var(--gray);
  transition: color 160ms;
}
.nav-links a:hover { color: var(--ink); }

.nav-cta {
  padding: 0.625rem 1.375rem;
  background: var(--blue);
  color: var(--white) !important;
  border-radius: var(--radius);
  font-weight: 600;
  transition: background 160ms, transform 160ms;
}
.nav-cta:hover { background: var(--blue-dark) !important; transform: translateY(-1px); }

.nav-toggle {
  display: none;
  font-size: 1.375rem;
  color: var(--ink);
  line-height: 1;
  padding: 0.25rem;
}

@media (max-width: 768px) {
  .nav-toggle { display: block; }

  .nav-links {
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    flex-direction: column;
    align-items: stretch;
    padding: 1rem var(--gutter) 1.5rem;
    gap: 0;
    display: none;
  }
  .nav-links.open { display: flex; }

  .nav-links li { border-bottom: 1px solid var(--border); }
  .nav-links a { display: block; padding: 0.875rem 0; }
  .nav-cta { display: inline-block; margin-top: 1rem; }
}

/* ===== HERO ===== */
header.hero {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: clamp(5rem, 10vw, 9rem) var(--gutter) clamp(4rem, 7vw, 7rem);
}

h1 {
  font-family: var(--serif);
  font-size: clamp(2.75rem, 5.5vw, 4.5rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.01em;
  color: var(--ink);
  max-width: 820px;
  margin-bottom: 1.5rem;
}
h1 em { font-style: italic; color: var(--blue); }

.hero-eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--coral);
  margin-bottom: 1.25rem;
}

.hero-sub {
  font-size: 1.1875rem;
  line-height: 1.72;
  color: var(--gray);
  max-width: 58ch;
  margin-bottom: 2.5rem;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* ===== SERVE — RINGS ===== */
.serve-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: end;
  margin-bottom: 3.5rem;
}
@media (max-width: 768px) {
  .serve-header { grid-template-columns: 1fr; gap: 1.5rem; }
}

.rings {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
}

.ring-group-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-light);
  padding-bottom: 0.875rem;
  border-bottom: 1px solid var(--border);
  margin-bottom: 1rem;
}

.ring-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 0.625rem;
}

.ring-item {
  display: inline-flex;
  align-items: center;
  padding: 0.625rem 1.125rem;
  border: 1.5px solid var(--border-dark);
  border-radius: 100px;
  background: var(--white);
  transition: border-color 160ms, background 160ms;
}
.ring-item:hover {
  border-color: var(--blue);
  background: #EFF8FE;
}

.ring-item-name {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--ink-soft);
  transition: color 160ms;
}
.ring-item:hover .ring-item-name { color: var(--blue); }

/* ===== WHAT WE DO ===== */
.what-we-do-inner {
  display: grid;
  grid-template-columns: 5fr 7fr;
  gap: 5rem;
  align-items: start;
}
@media (max-width: 900px) {
  .what-we-do-inner { grid-template-columns: 1fr; gap: 2.5rem; }
}

.what-we-do-stat {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  margin-top: 2.5rem;
}

.wwd-stat-num {
  font-family: var(--serif);
  font-size: 2.75rem;
  font-weight: 700;
  color: var(--ink);
  line-height: 1;
  margin-bottom: 0.375rem;
}

.wwd-stat-label {
  font-size: 0.9375rem;
  color: var(--gray);
  line-height: 1.5;
}

.what-we-do-body {
  font-size: 1.0625rem;
  line-height: 1.8;
  color: var(--gray);
  margin-bottom: 1.25rem;
}
.what-we-do-body:last-child { margin-bottom: 0; }
.what-we-do-body strong { color: var(--ink); }

/* ===== TRAPS ===== */
.traps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  margin-top: 2.5rem;
}
@media (max-width: 1024px) { .traps-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px)  { .traps-grid { grid-template-columns: 1fr; } }

.trap-card {
  padding: 1.75rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  background: var(--white);
  display: flex;
  flex-direction: column;
  transition: border-color 200ms, box-shadow 200ms;
}
.trap-card:hover {
  border-color: var(--blue);
  box-shadow: 0 4px 20px rgba(14,149,232,0.08);
}

.trap-dollar {
  font-family: var(--mono);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--coral);
  margin-bottom: 0.625rem;
}

.trap-name {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 0.75rem;
  line-height: 1.3;
}

.trap-body {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--gray);
  flex-grow: 1;
}

/* ===== METHOD ===== */
.method-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
  margin-top: 3rem;
}
@media (max-width: 768px) { .method-steps { grid-template-columns: 1fr; } }

.method-step {
  padding: 2rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  background: var(--cream);
}

.method-step-num {
  font-family: var(--mono);
  font-size: 2rem;
  font-weight: 700;
  color: var(--blue);
  opacity: 0.3;
  line-height: 1;
  margin-bottom: 1.25rem;
}

.method-step-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 0.75rem;
}

.method-step-desc {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--gray);
  margin-bottom: 1.25rem;
}

.method-step-time {
  font-family: var(--mono);
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* ===== FAQ ===== */
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 5rem;
  margin-top: 2rem;
}
@media (max-width: 900px) { .faq-layout { grid-template-columns: 1fr; gap: 2rem; } }

.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:first-child { border-top: 1px solid var(--border); }

.faq-q {
  width: 100%;
  text-align: left;
  padding: 1.25rem 0;
  font-family: var(--sans);
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--ink);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  transition: color 160ms;
}
.faq-q::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--blue);
  flex-shrink: 0;
  line-height: 1;
  transition: transform 220ms var(--ease);
}
.faq-q.open { color: var(--blue); }
.faq-q.open::after { transform: rotate(45deg); }
.faq-q:hover { color: var(--blue); }

.faq-a {
  overflow: hidden;
  max-height: 0;
  transition: max-height 320ms var(--ease);
}
.faq-a-inner {
  padding-bottom: 1.25rem;
  font-size: 1rem;
  line-height: 1.72;
  color: var(--gray);
}

/* ===== CTA ===== */
.cta {
  background: var(--blue);
  padding: clamp(4rem, 8vw, 7rem) 0;
}
.cta .section-eyebrow { color: rgba(255,255,255,0.7); }
.cta .section-h2      { color: var(--white); }
.cta .section-lead    { color: rgba(255,255,255,0.8); }

.cta-inner { max-width: 640px; }

.cta-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}

.cta-address {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.6);
  display: inline-block;
  transition: color 160ms;
}
.cta-address:hover { color: var(--white); }

/* ===== FOOTER ===== */
.footer {
  background: var(--cream);
  border-top: 1px solid var(--border);
  padding: 2.5rem 0;
}

.footer-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1.25rem;
}

.footer-logo {
  font-size: 1rem;
  font-weight: 700;
  color: var(--ink);
}

.footer-links {
  display: flex;
  gap: 1.75rem;
  flex-wrap: wrap;
}
.footer-links a {
  font-size: 0.9375rem;
  color: var(--gray);
  transition: color 160ms;
}
.footer-links a:hover { color: var(--ink); }

.footer-copy {
  width: 100%;
  font-size: 0.875rem;
  color: var(--gray-light);
  border-top: 1px solid var(--border);
  padding-top: 1.25rem;
  margin-top: 0.25rem;
}

@media (max-width: 600px) {
  .footer-inner { flex-direction: column; align-items: flex-start; }
  .footer-links { gap: 1rem; }
}

/* ===== WHO WE ARE ===== */
.who-we-are-inner {
  display: grid;
  grid-template-columns: 5fr 7fr;
  gap: 5rem;
  align-items: start;
}
@media (max-width: 900px) { .who-we-are-inner { grid-template-columns: 1fr; gap: 2.5rem; } }

.wwa-chips {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 2rem;
}

.wwa-chip {
  display: inline-flex;
  align-items: center;
  padding: 0.625rem 1rem;
  border: 1.5px solid var(--border-dark);
  border-radius: var(--radius);
  font-family: var(--sans);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: 0.01em;
  background: var(--white);
  width: fit-content;
}

.prose-body {
  font-family: var(--serif);
  font-size: 1.125rem;
  line-height: 1.85;
  color: var(--ink-soft);
}
.prose-body p { margin-bottom: 1.375rem; }
.prose-body p:last-child { margin-bottom: 0; }
.prose-body strong {
  font-family: var(--sans);
  font-weight: 700;
  color: var(--ink);
}

/* ===== CARE SETTINGS GRID ===== */
.care-settings-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}
@media (max-width: 900px) { .care-settings-grid { grid-template-columns: 1fr; } }

.care-setting-card {
  display: flex;
  flex-direction: column;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color 200ms, box-shadow 200ms;
}
.care-setting-card:hover {
  border-color: var(--blue);
  box-shadow: 0 4px 20px rgba(14,149,232,0.07);
}

.care-setting-header {
  padding: 1.375rem 1.75rem;
  border-bottom: 1px solid var(--border);
  background: var(--cream);
}

.care-setting-tag {
  font-size: 0.725rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-light);
  margin-bottom: 0.375rem;
}

.care-setting-name {
  font-family: var(--serif);
  font-size: 1.3125rem;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.2;
}

.care-setting-body {
  padding: 1.5rem 1.75rem;
  flex-grow: 1;
}

.care-setting-risk {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--gray);
  margin-bottom: 1.25rem;
}

.care-setting-footer {
  padding: 1.125rem 1.75rem;
  border-top: 1px solid var(--border);
}

.care-setting-cta {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--blue);
  transition: color 160ms;
}
.care-setting-cta:hover { color: var(--blue-dark); }

/* ===== WHY OPERATORS ===== */
.why-box {
  background: var(--cream);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: clamp(2rem, 4vw, 3.5rem);
}

.why-items {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.125rem 3rem;
  margin-top: 2rem;
}
@media (max-width: 640px) { .why-items { grid-template-columns: 1fr; } }

.why-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.why-num {
  font-family: var(--mono);
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--blue);
  background: rgba(14,149,232,0.1);
  border-radius: 4px;
  min-width: 1.75rem;
  height: 1.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 0.125rem;
}

.why-item p {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--gray);
  margin: 0;
}

/* ===== STATS BAR ===== */
.stats-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: 3.5rem;
}
@media (max-width: 640px) { .stats-bar { grid-template-columns: repeat(2, 1fr); } }

.stat-item {
  background: var(--white);
  padding: 1.875rem 1.5rem;
  text-align: center;
}

.stat-num {
  font-family: var(--serif);
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--ink);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.stat-label {
  font-size: 0.875rem;
  color: var(--gray);
  line-height: 1.4;
}

/* ===== CTA TWO-COLUMN ===== */
.cta-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
@media (max-width: 768px) { .cta-layout { grid-template-columns: 1fr; gap: 2.5rem; } }

.cta-contact-box {
  display: flex;
  flex-direction: column;
  gap: 1.375rem;
  padding: 2rem;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.08);
}

.cta-contact-line { display: flex; flex-direction: column; gap: 0.25rem; }

.cta-contact-label {
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
}

.cta-contact-value {
  font-size: 1rem;
  color: rgba(255,255,255,0.9);
  line-height: 1.55;
}
.cta-contact-value a { color: rgba(255,255,255,0.9); transition: color 160ms; }
.cta-contact-value a:hover { color: var(--white); }

/* ===== EXPANDED FOOTER ===== */
.footer-grid-outer {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  padding: clamp(3rem, 6vw, 5rem) 0 2rem;
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px)  { .footer-grid { grid-template-columns: 1fr; } }

.footer-logo span { color: var(--blue); }

.footer-brand-desc {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--gray);
  margin-top: 0.875rem;
  max-width: 320px;
}

.footer-col h5 {
  font-size: 0.725rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 1.25rem;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.footer-col li { font-size: 0.9375rem; color: var(--gray); line-height: 1.6; }
.footer-col address { font-style: normal; font-size: 0.9375rem; color: var(--gray); line-height: 1.65; }

.footer-col a { color: var(--gray); transition: color 160ms; }
.footer-col a:hover { color: var(--ink); }

.footer-bottom-bar {
  border-top: 1px solid var(--border);
  padding: 1.5rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  font-size: 0.875rem;
  color: var(--gray-light);
}

/* ===== PAGE PROSE (narrow-width prose wrapper) ===== */
.page-prose { max-width: 720px; }

/* ===== COVERAGE TABLE ===== */
.table-scroll {
  overflow-x: auto;
  margin-top: 2.5rem;
}

.coverage-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  font-size: 0.9375rem;
}

.coverage-table .col-scenario { width: 36%; }
.coverage-table .col-coverage { width: 18%; }
.coverage-table .col-protects { width: 26%; }
.coverage-table .col-cost     { width: 20%; }

.coverage-table thead tr { background: var(--cream); }

.coverage-table th {
  padding: 1rem 1.125rem;
  text-align: left;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--gray);
  border-bottom: 2px solid var(--border-dark);
  white-space: nowrap;
}
.coverage-table th.th-cost { text-align: right; }

.coverage-table td {
  padding: 1.375rem 1.125rem;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
  line-height: 1.65;
}
.coverage-table tbody tr:last-child td { border-bottom: none; }

.coverage-table .td-scenario { color: var(--gray); }
.coverage-table .td-coverage { font-weight: 700; color: var(--ink); }
.coverage-table .td-protects { color: var(--gray); }
.coverage-table .td-cost {
  font-family: var(--mono);
  font-weight: 700;
  color: var(--coral);
  text-align: right;
  white-space: nowrap;
}

/* ===== CALLOUT BOX ===== */
.callout-box {
  margin-top: 2.5rem;
  padding: clamp(1.5rem, 3vw, 2.5rem);
  background: var(--cream);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
}

.callout-heading {
  font-family: var(--sans);
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 1.25rem;
}

.callout-list {
  list-style: disc;
  padding-left: 1.375rem;
  color: var(--gray);
  display: flex;
  flex-direction: column;
  gap: 0.875rem;
  line-height: 1.75;
}
.callout-list li strong { font-family: var(--sans); font-weight: 700; color: var(--ink); }

/* ===== PROOF SECTION ===== */
.proof-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin: 2rem 0 2.5rem;
}
.proof-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 1.75rem 2rem;
  border-left: 3px solid var(--blue);
}
.proof-num {
  font-family: var(--mono);
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 700;
  color: var(--blue);
  line-height: 1.1;
  margin-bottom: 0.5rem;
}
.proof-label {
  font-family: var(--sans);
  font-size: 0.875rem;
  color: var(--ink-soft);
  line-height: 1.55;
}
@media (max-width: 768px) {
  .proof-grid { grid-template-columns: 1fr; gap: 1rem; }
}

/* ===== VERTICAL CARD HUB (healthcare-insurance.html) ===== */
.care-setting-hub { max-width: var(--max-w); margin: 0 auto; }

.care-setting-hub-header {
  display: flex;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 0.75rem 1.25rem;
  margin-bottom: 0.75rem;
}
.care-setting-hub-title {
  font-family: var(--serif);
  font-size: clamp(1.375rem, 2.5vw, 1.75rem);
  font-weight: 600;
  color: var(--ink);
}
.care-setting-hub-count {
  font-family: var(--mono);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.care-setting-hub-desc {
  font-size: 0.9375rem;
  line-height: 1.72;
  color: var(--ink-soft);
  max-width: 68ch;
  margin-bottom: 2rem;
}

.vertical-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}
.vertical-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
@media (max-width: 900px) {
  .vertical-grid-2, .vertical-grid-3 { grid-template-columns: 1fr; }
}

.vertical-card {
  display: flex;
  flex-direction: column;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color 200ms, box-shadow 200ms;
  color: inherit;
  text-decoration: none;
}
.vertical-card:hover {
  border-color: var(--blue);
  box-shadow: 0 4px 20px rgba(14,149,232,0.07);
}
.vertical-card-header {
  padding: 1.375rem 1.75rem;
  border-bottom: 1px solid var(--border);
  background: var(--cream);
}
.vertical-card-tag {
  font-size: 0.725rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-light);
  margin-bottom: 0.375rem;
}
.vertical-card-name {
  font-family: var(--serif);
  font-size: 1.3125rem;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.2;
  margin-bottom: 0.25rem;
}
.vertical-card-abbr {
  font-family: var(--mono);
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--blue);
  letter-spacing: 0.04em;
}
.vertical-card-body {
  padding: 1.375rem 1.75rem;
  flex-grow: 1;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.vertical-card-risk {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--gray);
}
.vertical-card-trap {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 0.75rem;
  padding: 0.75rem 1rem;
  background: rgba(14,149,232,0.05);
  border-radius: var(--radius);
  border-left: 3px solid var(--blue);
}
.vertical-card-trap-name {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--ink);
}
.vertical-card-trap-dollar {
  font-family: var(--mono);
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--blue);
  white-space: nowrap;
}
.vertical-card-footer {
  padding: 1.125rem 1.75rem;
  border-top: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.vertical-card-stats {
  font-family: var(--mono);
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--gray-light);
  line-height: 1.45;
}
.vertical-card-cta {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--blue);
  transition: color 160ms;
  white-space: nowrap;
}
.vertical-card:hover .vertical-card-cta { color: var(--blue-dark); }

/* Featured card (full-width, e.g. NEMT) */
.vertical-card-featured {
  display: flex;
  flex-direction: column;
  border: 1.5px solid var(--blue);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow 200ms;
  color: inherit;
  text-decoration: none;
}
.vertical-card-featured:hover { box-shadow: 0 4px 24px rgba(14,149,232,0.12); }
.vertical-card-featured .vertical-card-header {
  background: rgba(14,149,232,0.05);
  border-bottom: 1px solid var(--border);
  padding: 2rem 2.5rem;
}
.vertical-card-featured .vertical-card-name { font-size: 1.5rem; }
.vertical-card-featured .vertical-card-stats {
  font-family: var(--mono);
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--gray-light);
  margin-top: 0.5rem;
}
.vertical-card-featured .vertical-card-body {
  padding: 1.75rem 2.5rem;
  gap: 1.125rem;
}
.vertical-card-featured .vertical-card-cta {
  display: inline-block;
  margin-top: 0.5rem;
}
.vertical-card-featured:hover .vertical-card-cta { color: var(--blue-dark); }