/* EmployInsure blog · single-column article
   Tokens: Bickley snapshot (navy / steel / page bg) + EmployInsure green #125f35 for stat figures.
   Article patterns (hero-full, stat-callout, callout, author-bio, faq) adapted from the Kinjo blog system. */
:root{
  --navy:#14164C; --steel:#619EC9; --steel-12:rgba(97,158,201,.12); --grad-end:#175580;
  --green:#125f35; --ink:#162029; --text:#33373F; --muted:#5b6470; --line:#e3e8ee;
  --bg:#F1F3F6; --surface:#fff;
  --font:"aller","Fira Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --shadow:0 2px 22px 0 rgba(20,22,76,.10);
  --col:720px; --gutter:clamp(16px,4vw,32px);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--text);background:#fff;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{color:var(--grad-end)}
:focus-visible{outline:3px solid var(--steel);outline-offset:3px}
h1,h2,h3{text-wrap:balance} p,li{text-wrap:pretty}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* Header */
.hdr{background:#fff;border-bottom:1px solid var(--line)}
.hdr .in{max-width:1100px;margin:0 auto;padding:0 var(--gutter);height:68px;display:flex;align-items:center;justify-content:space-between}
.hdr img{height:32px;width:auto}
.hdr a.cta{font:700 14.5px var(--font);color:var(--navy);background:var(--steel);padding:11px 16px;text-decoration:none}
.hdr a.cta:hover{background:var(--navy);color:#fff}

/* Hero (full-bleed image, centered copy) */
.hero{position:relative;min-height:clamp(420px,70vh,640px);display:flex;align-items:flex-end;background-color:#0d1230;background-size:cover;background-position:center;background-repeat:no-repeat;color:#fff}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,12,40,.45) 0%,rgba(10,12,40,.66) 50%,rgba(10,12,40,.92) 100%)}
.hero .in{position:relative;max-width:900px;margin:0 auto;text-align:center;padding:clamp(80px,12vh,130px) var(--gutter) clamp(40px,6vh,64px)}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--steel)}
.hero h1{font-size:clamp(30px,1.2rem + 3vw,52px);line-height:1.1;font-weight:700;letter-spacing:-.02em;margin:16px 0 18px;text-shadow:0 1px 30px rgba(0,0,0,.3)}
.hero .deck{font-size:clamp(17px,1rem + .5vw,21px);line-height:1.55;color:rgba(255,255,255,.9);max-width:58ch;margin:0 auto 26px}
.byline{display:inline-flex;align-items:center;gap:12px;font-size:14.5px;color:rgba(255,255,255,.85)}
.byline b{color:#fff}
.avatar{width:40px;height:40px;border-radius:50%;background:var(--steel);color:var(--navy);display:grid;place-items:center;font-weight:700;font-size:15px;flex-shrink:0}

/* Article column */
.article{max-width:calc(var(--col) + var(--gutter)*2);margin:0 auto;padding:clamp(40px,6vw,64px) var(--gutter) 24px}
.prose{font-size:19px;line-height:1.75;color:var(--text)}
.prose > p{margin-bottom:24px}
.prose h2{font-size:clamp(25px,1rem + 1.5vw,33px);line-height:1.2;font-weight:700;color:var(--navy);letter-spacing:-.01em;margin:60px 0 18px}
.prose h3{font-size:21px;font-weight:700;color:var(--navy);margin:36px 0 12px}
.prose strong{color:var(--ink)}
.prose ul{margin:0 0 24px 22px}.prose li{margin-bottom:10px}
.answer{font-size:clamp(19px,1rem + .4vw,22px);line-height:1.6;color:var(--ink);border-left:4px solid var(--steel);padding:4px 0 4px 20px;margin-bottom:32px}

/* Figures */
.fig{margin:40px calc(var(--gutter) * -0.5)}
.fig img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.fig figcaption{font-size:14px;color:var(--muted);margin-top:10px;padding:0 calc(var(--gutter) * .5)}

/* Stat band (top of article) */
.band{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--line);margin:8px 0 40px;box-shadow:var(--shadow)}
.band div{background:#fff;padding:20px 16px;text-align:center}
.band .n{font-size:clamp(30px,1.2rem + 1.8vw,42px);font-weight:700;color:var(--green);line-height:1}
.band .l{font-size:14px;line-height:1.4;color:var(--muted);margin-top:8px}

/* Stat callout (Kinjo pattern) */
.stat-callout{background:var(--navy);padding:32px clamp(24px,3vw,40px);margin:44px 0;display:flex;align-items:center;gap:24px;flex-wrap:wrap}
.stat-callout .num{font-size:clamp(44px,2rem + 3vw,64px);font-weight:700;color:var(--steel);line-height:1}
.stat-callout .lbl{font-size:18px;color:#dfe5ee;flex:1;min-width:220px;line-height:1.5}
.stat-callout .lbl b{color:#fff}

/* Callout */
.callout{background:var(--bg);border-left:4px solid var(--steel);padding:22px 28px;margin:36px 0;font-size:18px;line-height:1.6;color:var(--ink)}

/* Bar charts (single hue, direct-labeled, one axis) */
.chart{margin:40px 0;padding:26px clamp(18px,3vw,30px) 22px;background:#fff;box-shadow:var(--shadow);border-top:4px solid var(--navy)}
.chart .ct{font-size:18px;font-weight:700;color:var(--navy);line-height:1.35}
.chart .cs{font-size:14.5px;color:var(--muted);margin:4px 0 20px}
.bars{list-style:none;margin:0;display:grid;gap:14px}
.bar{display:grid;grid-template-columns:minmax(0,1fr) 56px;gap:4px 12px;align-items:center;cursor:default}
.bar .bl{grid-column:1/-1;font-size:15.5px;line-height:1.35;color:var(--ink)}
.bar .track{height:14px;background:#edf0f4;border-radius:0 4px 4px 0;position:relative}
.bar .fill{position:absolute;inset:0 auto 0 0;width:var(--v);background:var(--c,var(--navy));border-radius:0 4px 4px 0;transition:filter .15s}
.bar .bv{font-size:16px;font-weight:700;color:var(--ink);text-align:right}
.bar:hover .fill{filter:brightness(1.25)}
.bar.hi .bl{font-weight:700}
.legend{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:13.5px;color:var(--muted);margin:-8px 0 18px}
.legend span{display:inline-flex;align-items:center;gap:7px}
.legend i{width:12px;height:12px;border-radius:2px;display:inline-block}
.chart .src{font-size:12.5px;color:var(--muted);margin-top:16px}

/* Versus (the confidence gap) */
.vs{display:grid;grid-template-columns:1fr 1fr;gap:2px;background:var(--line);margin:40px 0;box-shadow:var(--shadow)}
.vs > div{background:#fff;padding:26px 24px}
.vs .h{font-size:12.5px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--grad-end);margin-bottom:14px}
.vs .row{display:flex;align-items:baseline;gap:12px;padding:10px 0;border-top:1px solid var(--line)}
.vs .row:first-of-type{border-top:0}
.vs .n{font-size:34px;font-weight:700;line-height:1;min-width:92px}
.vs .t{font-size:15.5px;line-height:1.4;color:var(--ink)}
.vs .a .n{color:var(--steel)}.vs .b .n{color:var(--navy)}

/* Pull quote */
.pull{margin:48px 0;padding:0 0 0 24px;border-left:4px solid var(--green);font-size:clamp(22px,1rem + .9vw,28px);line-height:1.4;color:var(--navy);font-weight:400}

/* The fix — three customers */
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:28px 0 36px}
.three div{background:var(--bg);padding:20px 18px;border-top:3px solid var(--steel)}
.three b{display:block;color:var(--navy);font-size:17px;margin-bottom:6px}
.three span{font-size:15.5px;line-height:1.5;color:var(--text)}

/* QERC lenses */
.qerc{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--line);margin:28px 0 36px}
.qerc div{background:#fff;padding:18px 14px;text-align:center}
.qerc .k{font-size:34px;font-weight:700;color:var(--navy);line-height:1}
.qerc .w{font-size:13px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--grad-end);margin-top:6px}

/* CTA band */
.cta-band{position:relative;color:#fff;background-color:#0d1230;background-size:cover;background-position:center;margin-top:56px}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 70% 70% at 50% 50%,rgba(14,16,56,.86) 0%,rgba(14,16,56,.7) 60%,rgba(14,16,56,.5) 100%)}
.cta-band .in{position:relative;max-width:760px;margin:0 auto;text-align:center;padding:clamp(64px,9vw,110px) var(--gutter)}
.cta-band h2{font-size:clamp(28px,1.1rem + 2.4vw,44px);line-height:1.15;font-weight:700;margin:14px 0 16px;text-shadow:0 2px 16px rgba(0,0,0,.5)}
.cta-band p{font-size:clamp(17px,1rem + .4vw,20px);line-height:1.55;color:#e3e9f2;margin:0 auto 30px;max-width:52ch}
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--steel);color:var(--navy);font:700 18px var(--font);padding:20px 34px;text-decoration:none;transition:background .2s,color .2s}
.btn:hover{background:#fff}
.cta-band .micro{font-size:14px;color:#cfd9e6;margin-top:14px}

/* Author bio + method + FAQ */
.after{max-width:calc(var(--col) + var(--gutter)*2);margin:0 auto;padding:48px var(--gutter) 64px}
.author-bio{display:flex;gap:22px;align-items:flex-start;background:#fff;border:1px solid var(--line);padding:28px;box-shadow:var(--shadow)}
.author-bio .avatar{width:58px;height:58px;font-size:20px;background:var(--navy);color:var(--steel)}
.ab-role{color:var(--grad-end);font-weight:700;font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:6px}
.ab-name{font-weight:700;color:var(--navy);font-size:18px;margin-bottom:6px}
.ab-text{font-size:15.5px;line-height:1.6;color:var(--text)}
.method{margin-top:28px;font-size:15px;line-height:1.6;color:var(--muted);background:var(--bg);padding:20px 24px}
.method b{color:var(--ink)}
.faq{margin-top:48px}
.faq h2{font-size:clamp(23px,1rem + 1vw,28px);color:var(--navy);margin-bottom:12px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;font-weight:700;color:var(--navy);font-size:17.5px;padding:22px 32px 22px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:18px;font-size:24px;color:var(--steel)}
.faq details[open] summary::after{content:"–"}
.faq details p{font-size:16.5px;line-height:1.65;padding-bottom:22px}
footer{border-top:1px solid var(--line);padding:26px var(--gutter);font-size:13px;color:var(--muted);text-align:center}

@media (max-width:700px){
  .band{grid-template-columns:1fr 1fr}
  .vs,.three{grid-template-columns:1fr}
  .qerc{grid-template-columns:1fr 1fr}
  .prose{font-size:18px}
  .fig{margin-left:calc(var(--gutter) * -1);margin-right:calc(var(--gutter) * -1)}
  .author-bio{flex-direction:column}
  .hdr a.cta{font-size:13px;padding:10px 12px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}html{scroll-behavior:auto}}

/* Reading progress bar (fixed to the top edge) */
.read-progress{position:fixed;top:0;left:0;right:0;height:5px;background:rgba(20,22,76,.08);z-index:50}
.read-progress span{display:block;height:100%;background:var(--steel);transform:scaleX(0);transform-origin:0 50%;will-change:transform}
.hdr{position:sticky;top:0;z-index:40}
@media (prefers-reduced-motion:reduce){.read-progress span{transition:none}}

/* Author photo inside avatar circles */
.avatar{overflow:hidden}
.avatar img{width:100%;height:100%;object-fit:cover;border-radius:50%;display:block}
.byline .avatar{width:44px;height:44px;box-shadow:0 0 0 2px rgba(255,255,255,.7)}
.author-bio .avatar{width:72px;height:72px;flex:0 0 72px}

/* Hero: center the copy vertically with equal space above and below */
.hero{align-items:center}
.hero .in{padding-top:clamp(56px,9vh,96px);padding-bottom:clamp(56px,9vh,96px)}