/* Virtue Risk Insurance Services
   Every rule is scoped under .vr so this file can be pasted into
   Squarespace Custom CSS without touching the Squarespace theme.

   Brand
     Ink    #061827  deep navy, from the original theme's #04141F
     Navy   #00265D  original theme navy
     Gold   #E6C614  original theme gold, used on dark grounds only
     Brass  #7C6A06  gold darkened to pass contrast on light grounds
     Mist   #EEF2F6  cool page ground
*/

.vr {
  --ink: #061827;
  --ink-2: #0E2A44;
  --navy: #00265D;
  --gold: #E6C614;
  --gold-hover: #F2D73A;
  --brass: #7C6A06;
  --text: #17222D;
  --text-2: #435261;
  --muted: #6A7887;
  --line: #D5DDE6;
  --line-strong: #B9C5D2;
  --mist: #EEF2F6;
  --white: #FFFFFF;
  --on-dark: #E9EEF3;
  --on-dark-2: #A9B8C7;

  --serif: "Source Serif 4", "Source Serif Pro", Georgia, "Times New Roman", serif;
  --sans: "Open Sans", "Helvetica Neue", Arial, sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, Menlo, Consolas, monospace;

  --wrap: 1180px;
  --gutter: clamp(18px, 4vw, 40px);
  --radius: 3px;

  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  -webkit-font-smoothing: antialiased;
}
.vr *, .vr *::before, .vr *::after { box-sizing: border-box; }
.vr img { max-width: 100%; height: auto; display: block; }
.vr a { color: var(--navy); text-underline-offset: 3px; text-decoration-thickness: 1px; }
.vr a:hover { color: var(--ink); }
.vr :focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }
.vr p { margin: 0; }
.vr ul, .vr ol { margin: 0; padding: 0; }

/* ---------- type ---------- */
.vr h1, .vr h2, .vr h3, .vr h4 {
  font-family: var(--serif);
  font-weight: 600;
  color: inherit;
  margin: 0;
  letter-spacing: -0.01em;
  text-wrap: balance;
}
.vr h1 { font-size: clamp(36px, 5.2vw, 58px); line-height: 1.06; }
.vr h2 { font-size: clamp(27px, 3.3vw, 38px); line-height: 1.14; }
.vr h3 { font-size: 22px; line-height: 1.25; }
.vr h4 { font-size: 18px; line-height: 1.3; }
.vr .eyebrow {
  font: 600 12px/1.2 var(--sans);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass);
}
.vr .on-dark .eyebrow, .vr .eyebrow.on-dark { color: var(--gold); }
.vr .lede { font-size: clamp(17px, 1.6vw, 19px); line-height: 1.6; color: var(--text-2); max-width: 60ch; }
.vr .on-dark .lede { color: var(--on-dark); }
.vr .form-no { font-family: var(--mono); font-size: 13px; letter-spacing: 0.02em; color: var(--muted); white-space: nowrap; }
.vr .prose { max-width: 68ch; }
.vr .prose > * + * { margin-top: 1em; }
.vr .prose h2 { font-size: 26px; margin-top: 1.8em; }
.vr .prose h3 { font-size: 20px; margin-top: 1.6em; }
.vr .prose ul { padding-left: 1.2em; }
.vr .prose li + li { margin-top: 0.4em; }
.vr .prose blockquote { margin: 1.4em 0; padding-left: 20px; border-left: 3px solid var(--gold); font-family: var(--serif); font-size: 20px; line-height: 1.5; }

/* ---------- layout ---------- */
.vr .wrap { max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gutter); }
.vr .section { padding-block: clamp(56px, 7vw, 96px); }
.vr .section.tight { padding-block: clamp(40px, 5vw, 64px); }
.vr .section + .section { border-top: 1px solid var(--line); }
.vr .section.mist { background: var(--mist); border-top: 0; }
.vr .section.dark { background: var(--ink); color: var(--on-dark); border-top: 0; }
.vr .section.dark h2, .vr .section.dark h3 { color: var(--white); }
.vr .sec-head { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 16px 56px; align-items: end; margin-bottom: 44px; }
.vr .sec-head > div { display: grid; gap: 12px; }
.vr .sec-head p { color: var(--text-2); max-width: 58ch; }
.vr .dark .sec-head p { color: var(--on-dark-2); }
.vr .grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.vr .grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.vr .split { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(32px, 5vw, 72px); align-items: start; }

/* ---------- buttons ---------- */
.vr .btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 13px 22px;
  font: 600 15px/1 var(--sans);
  text-decoration: none;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease;
}
.vr .btn-gold { background: var(--gold); color: var(--ink); }
.vr .btn-gold:hover { background: var(--gold-hover); color: var(--ink); }
.vr .btn-navy { background: var(--navy); color: var(--white); }
.vr .btn-navy:hover { background: var(--ink); color: var(--white); }
.vr .btn-line { border-color: var(--line-strong); color: var(--navy); background: transparent; }
.vr .btn-line:hover { border-color: var(--navy); color: var(--ink); }
.vr .on-dark .btn-line, .vr .btn-line.on-dark { border-color: rgba(233, 238, 243, .45); color: var(--white); }
.vr .on-dark .btn-line:hover { border-color: var(--gold); color: var(--gold); }
.vr .btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.vr .text-link { font-weight: 600; text-decoration: none; display: inline-flex; gap: 6px; align-items: center; }
.vr .text-link::after { content: "\2192"; transition: transform .15s ease; }
.vr .text-link:hover::after { transform: translateX(3px); }

/* ---------- site chrome (GoDaddy build only) ---------- */
.vr .util { background: var(--ink); color: var(--on-dark-2); font-size: 13px; }
.vr .util .wrap { display: flex; justify-content: space-between; align-items: center; gap: 12px 24px; min-height: 38px; flex-wrap: wrap; padding-block: 6px; }
.vr .util a { color: var(--on-dark); text-decoration: none; }
.vr .util a:hover { color: var(--gold); }
.vr .util .hotline strong { color: var(--gold); font-weight: 600; letter-spacing: .02em; }
.vr .util nav { display: flex; gap: 22px; flex-wrap: wrap; }

.vr .masthead { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 20; }
.vr .masthead .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 76px; }
.vr .logo { display: inline-flex; align-items: center; text-decoration: none; color: var(--ink); }
.vr .logo img { height: 84px; width: auto; display: block; }
.vr .mainnav { display: flex; align-items: center; gap: 4px; }
.vr .mainnav a { padding: 10px 12px; text-decoration: none; color: var(--text); font-weight: 600; font-size: 15px; border-radius: var(--radius); }
.vr .mainnav a:hover { color: var(--navy); background: var(--mist); }
.vr .mainnav a[aria-current="page"] { color: var(--navy); box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.vr .mainnav .btn { margin-left: 10px; padding: 11px 18px; }
.vr .menu-toggle { display: none; background: none; border: 1.5px solid var(--line-strong); border-radius: var(--radius); padding: 9px 12px; font: 600 14px/1 var(--sans); color: var(--ink); cursor: pointer; }

.vr .footer { background: var(--ink); color: var(--on-dark-2); font-size: 14px; }
.vr .footer .cols { display: grid; grid-template-columns: minmax(0, 4fr) repeat(3, minmax(0, 2fr)); gap: 40px; padding-block: 64px 48px; }
.vr .footer h4 { font: 600 12px/1.2 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.vr .footer ul { list-style: none; display: grid; gap: 9px; }
.vr .footer a { color: var(--on-dark); text-decoration: none; }
.vr .footer a:hover { color: var(--gold); }
.vr .footer .logo { margin-bottom: 18px; background: var(--white); padding: 10px 14px; border-radius: 6px; }
.vr .footer .logo img { height: 88px; }
.vr .footer address { font-style: normal; line-height: 1.7; }
.vr .footer .base { border-top: 1px solid rgba(233, 238, 243, .14); padding-block: 22px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; font-size: 13px; }

/* ---------- contour ground (survey-map rings) ---------- */
.vr .contour {
  background-color: var(--ink);
  background-image:
    repeating-radial-gradient(ellipse 120% 90% at 88% 18%, transparent 0 26px, rgba(230, 198, 20, .09) 26px 27px),
    repeating-radial-gradient(ellipse 90% 120% at 12% 110%, transparent 0 34px, rgba(169, 184, 199, .07) 34px 35px);
}

/* ---------- home hero ---------- */
.vr .hero { color: var(--on-dark); padding-block: clamp(64px, 9vw, 120px) clamp(56px, 7vw, 96px); }
.vr .hero .split { align-items: end; }
.vr .hero h1 { color: var(--white); max-width: 19ch; font-size: clamp(36px, 4.6vw, 54px); }
.vr .hero h1 em { font-style: normal; color: var(--gold); }
.vr .hero .lede { margin-top: 24px; }
.vr .hero .btn-row { margin-top: 36px; }
.vr .hero-facts { display: flex; flex-wrap: wrap; gap: 28px 44px; margin-top: 56px; padding-top: 26px; border-top: 1px solid rgba(233, 238, 243, .16); }
.vr .hero-facts div { display: grid; gap: 4px; }
.vr .hero-facts b { font: 600 26px/1 var(--serif); color: var(--white); }
.vr .hero-facts span { font-size: 13px; color: var(--on-dark-2); }

.vr .desk { background: var(--white); color: var(--text); border-radius: 4px; overflow: hidden; box-shadow: 0 24px 60px -24px rgba(0, 0, 0, .55); }
.vr .desk-row { display: grid; gap: 6px; padding: 22px 26px; border-top: 1px solid var(--line); }
.vr .desk-row:first-child { border-top: 0; }
.vr .desk-row .k { font: 600 11px/1.2 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.vr .desk-row .v { font: 600 22px/1.2 var(--serif); color: var(--ink); text-decoration: none; }
.vr .desk-row a.v:hover { color: var(--navy); }
.vr .desk-row small { color: var(--text-2); font-size: 14px; }
.vr .desk-row.claims { background: var(--gold); }
.vr .desk-row.claims .k { color: var(--ink); }

/* ---------- product cards ---------- */
.vr .product { background: var(--white); border: 1px solid var(--line); border-radius: 4px; padding: 30px 28px; display: grid; gap: 14px; align-content: start; }
.vr .product .name { font: 600 13px/1 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--navy); display: flex; align-items: center; gap: 10px; }
.vr .product .name::before { content: ""; width: 14px; height: 14px; background: var(--gold); clip-path: polygon(0 55%, 18% 38%, 40% 62%, 82% 0, 100% 16%, 40% 100%); }
.vr .product h3 { font-size: 24px; }
.vr .product p { color: var(--text-2); }
.vr .chips { display: flex; flex-wrap: wrap; gap: 6px; }
.vr .chips span { font-size: 12.5px; font-weight: 600; padding: 5px 10px; border-radius: 2px; background: var(--mist); color: var(--ink-2); }
.vr .product .foot { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; padding-top: 14px; margin-top: 4px; border-top: 1px solid var(--line); }

/* ---------- segments / risk classes ---------- */
.vr .segments { display: grid; gap: 0; border-top: 1px solid var(--line-strong); }
.vr .segment { display: grid; grid-template-columns: minmax(0, 3fr) minmax(0, 7fr) minmax(0, 3fr); gap: 20px 40px; padding-block: 30px; border-bottom: 1px solid var(--line); align-items: start; }
.vr .segment h3 { font-size: 24px; }
.vr .segment .count { font-family: var(--mono); font-size: 13px; color: var(--muted); margin-top: 6px; }
.vr .classlist { list-style: none; display: flex; flex-wrap: wrap; gap: 6px 8px; }
.vr .classlist li { font-size: 14.5px; padding: 4px 11px; border: 1px solid var(--line); border-radius: 999px; background: var(--white); }
.vr .segment .forms { display: grid; gap: 10px; justify-items: start; }
.vr .segment .forms a { font-size: 14px; font-weight: 600; text-decoration: none; display: grid; gap: 2px; }
.vr .segment .forms a .form-no { font-weight: 400; }

/* ---------- doc list (applications, guides) ---------- */
.vr .doclist { list-style: none; border-top: 1px solid var(--line-strong); }
.vr .doclist li { border-bottom: 1px solid var(--line); }
.vr .doclist a { display: grid; grid-template-columns: 190px minmax(0, 1fr) auto; gap: 16px; align-items: center; padding: 16px 4px; text-decoration: none; color: var(--text); }
.vr .doclist a:hover { background: var(--mist); }
.vr .doclist .title { font-weight: 600; }
.vr .doclist .pdf { font: 600 11px/1 var(--sans); letter-spacing: .12em; color: var(--navy); border: 1px solid var(--line-strong); padding: 6px 8px; border-radius: 2px; }

/* ---------- claims strip ---------- */
.vr .claims-strip { background: var(--gold); color: var(--ink); }
.vr .claims-strip .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px 32px; padding-block: 26px; }
.vr .claims-strip p { font: 600 20px/1.3 var(--serif); }
.vr .claims-strip a { color: var(--ink); }
.vr .claims-strip .num { font: 600 28px/1 var(--serif); text-decoration: none; letter-spacing: .01em; }

/* ---------- page header (interior pages) ---------- */
.vr .pagehead { color: var(--on-dark); padding-block: clamp(48px, 6vw, 80px) clamp(40px, 5vw, 64px); }
.vr .pagehead h1 { color: var(--white); font-size: clamp(34px, 4.4vw, 52px); max-width: 20ch; }
.vr .pagehead .lede { margin-top: 18px; }
.vr .crumbs { font-size: 13px; color: var(--on-dark-2); margin-bottom: 18px; display: flex; gap: 8px; flex-wrap: wrap; }
.vr .crumbs a { color: var(--on-dark); text-decoration: none; }
.vr .crumbs a:hover { color: var(--gold); }

/* ---------- team ---------- */
.vr .team-group + .team-group { margin-top: 64px; }
.vr .team-group > h2 { font-size: 26px; padding-bottom: 14px; margin-bottom: 28px; border-bottom: 1px solid var(--line-strong); display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.vr .team-group > h2 span { font: 400 13px/1 var(--mono); color: var(--muted); }
.vr .people { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px 24px; }
.vr .person { display: grid; gap: 10px; align-content: start; }
.vr .person .photo { aspect-ratio: 4 / 5; width: 100%; background: var(--mist); border-radius: 3px; overflow: hidden; display: grid; place-items: center; }
.vr .person .photo img { width: 100%; height: 100%; object-fit: cover; }
.vr .person .photo .initials { font: 600 34px/1 var(--serif); color: var(--line-strong); }
.vr .person h3 { font-size: 19px; }
.vr .person .role { font-size: 14px; color: var(--text-2); line-height: 1.4; }
.vr .person details { font-size: 14px; color: var(--text-2); }
.vr .person summary { cursor: pointer; font-weight: 600; color: var(--navy); list-style: none; display: inline-flex; gap: 6px; }
.vr .person summary::-webkit-details-marker { display: none; }
.vr .person summary::after { content: "+"; }
.vr .person details[open] summary::after { content: "\2013"; }
.vr .person details p { margin-top: 8px; }
.vr .person .mail { font-size: 14px; word-break: break-all; }

.vr .lead-profile { display: grid; grid-template-columns: 280px minmax(0, 1fr); gap: 40px; align-items: start; }
.vr .lead-profile .photo { aspect-ratio: 4 / 5; border-radius: 3px; overflow: hidden; }
.vr .lead-profile .photo img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- virtues ---------- */
.vr .virtues { list-style: none; display: grid; grid-template-columns: repeat(7, minmax(0, 1fr)); border-top: 1px solid rgba(233, 238, 243, .2); }
.vr .virtues li { padding: 22px 12px 4px 0; font: 600 19px/1.2 var(--serif); color: var(--white); border-right: 1px solid rgba(233, 238, 243, .12); padding-left: 14px; }
.vr .virtues li:first-child { padding-left: 0; }
.vr .virtues li:last-child { border-right: 0; }

/* ---------- lists ---------- */
.vr .ticks { list-style: none; display: grid; gap: 10px; }
.vr .ticks li { padding-left: 26px; position: relative; }
.vr .ticks li::before { content: ""; position: absolute; left: 0; top: .45em; width: 13px; height: 13px; background: var(--brass); clip-path: polygon(0 55%, 18% 38%, 40% 62%, 82% 0, 100% 16%, 40% 100%); }
.vr .dark .ticks li::before { background: var(--gold); }
.vr .cov-block h3 { font-size: 18px; margin-bottom: 14px; padding-bottom: 10px; border-bottom: 1px solid var(--line); }
.vr .cov-block .ticks { font-size: 15px; }

/* ---------- news ---------- */
.vr .newslist { list-style: none; border-top: 1px solid var(--line-strong); }
.vr .newslist li { border-bottom: 1px solid var(--line); padding-block: 22px; display: grid; grid-template-columns: 170px minmax(0, 1fr); gap: 8px 32px; }
.vr .newslist .meta { font-size: 13px; color: var(--muted); line-height: 1.5; }
.vr .newslist .meta b { display: block; color: var(--text-2); font-weight: 600; }
.vr .newslist h3 { font-size: 20px; }
.vr .newslist h3 a { text-decoration: none; color: var(--ink); }
.vr .newslist h3 a:hover { color: var(--navy); text-decoration: underline; }
.vr .newslist p { color: var(--text-2); margin-top: 6px; font-size: 15px; }
.vr .release { border-top: 1px solid var(--line-strong); padding-top: 28px; }
.vr .release + .release { margin-top: 56px; }
.vr .release .meta { font-size: 13px; color: var(--muted); margin-bottom: 10px; }
.vr .release h3 { font-size: 24px; margin-bottom: 16px; }

/* ---------- community ---------- */
.vr .causes { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 40px 28px; }
.vr .cause { display: grid; gap: 12px; align-content: start; }
.vr .cause .img { aspect-ratio: 4 / 3; background: var(--mist); border-radius: 3px; overflow: hidden; display: grid; place-items: center; }
.vr .cause .img img { width: 100%; height: 100%; object-fit: cover; }
.vr .cause .img.logo-img img { object-fit: contain; padding: 18%; background: var(--white); }
.vr .cause h3 { font-size: 19px; }
.vr .cause p { color: var(--text-2); font-size: 15px; }

/* ---------- cards / panels ---------- */
.vr .panel { background: var(--white); border: 1px solid var(--line); border-radius: 4px; padding: 28px; }
.vr .panel.navy { background: var(--navy); color: var(--on-dark); border: 0; }
.vr .panel.navy h3 { color: var(--white); }
.vr .kv { display: grid; grid-template-columns: auto 1fr; gap: 10px 20px; font-size: 15px; }
.vr .kv dt { font: 600 11px/1.9 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.vr .kv dd { margin: 0; }
.vr .panel.navy .kv dt { color: var(--on-dark-2); }
.vr .panel.navy a { color: var(--white); }

/* ---------- form ---------- */
.vr .form { display: grid; gap: 18px; }
.vr .field { display: grid; gap: 6px; }
.vr .field label { font-weight: 600; font-size: 14px; }
.vr .field input, .vr .field textarea, .vr .field select {
  font: 16px/1.4 var(--sans); padding: 12px 14px; border: 1.5px solid var(--line-strong); border-radius: var(--radius); background: var(--white); color: var(--text); width: 100%;
}
.vr .field input:focus, .vr .field textarea:focus, .vr .field select:focus { border-color: var(--navy); outline: none; box-shadow: 0 0 0 3px rgba(0, 38, 93, .12); }
.vr .field textarea { min-height: 150px; resize: vertical; }
.vr .hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.vr .notice { padding: 14px 16px; border-radius: var(--radius); font-weight: 600; }
.vr .notice.ok { background: #E3F1E6; color: #1C4A28; }
.vr .notice.err { background: #F8E3E1; color: #6B1F17; }

/* ---------- responsive ---------- */
@media (max-width: 1020px) {
  .vr .people { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .vr .virtues { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .vr .virtues li { border-right: 0; padding-left: 0; }
  .vr .footer .cols { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 900px) {
  .vr .menu-toggle { display: inline-block; }
  .vr .mainnav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; padding: 10px var(--gutter) 18px; }
  .vr .mainnav.open { display: flex; }
  .vr .mainnav .btn { margin: 8px 0 0; justify-content: center; }
  .vr .masthead .wrap { position: relative; }
  .vr .split, .vr .sec-head, .vr .lead-profile { grid-template-columns: 1fr; }
  .vr .grid-3, .vr .causes { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .vr .segment { grid-template-columns: 1fr; gap: 14px; }
  .vr .lead-profile .photo { max-width: 260px; }
}
@media (max-width: 640px) {
  .vr .grid-2, .vr .grid-3, .vr .causes { grid-template-columns: 1fr; }
  .vr .people { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px 16px; }
  .vr .virtues { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .vr .doclist a { grid-template-columns: 1fr auto; }
  .vr .doclist .form-no { grid-column: 1 / -1; }
  .vr .newslist li { grid-template-columns: 1fr; }
  .vr .footer .cols { grid-template-columns: 1fr; }
  .vr .util .hide-sm { display: none; }
  .vr .logo img { height: 60px; }
}
@media (prefers-reduced-motion: reduce) {
  .vr * { transition: none !important; }
}
@media print {
  .vr .util, .vr .masthead, .vr .footer, .vr .claims-strip { display: none; }
}