/* v5b — David's 10/3 walkthrough: bigger, bolder, fuller width */
:root{--v5b-max:1320px}
.wrap{width:min(var(--v5b-max),calc(100% - 64px))}
/* Header band */
header .brand-row{padding:26px 0}
header .brand-mark img{height:96px!important}
.brand-word-spirit{font-size:46px!important}
.brand-word-sub{font-size:15px!important;letter-spacing:4px!important;font-weight:800!important}
.brand-tagline{display:flex!important;flex-direction:column;gap:4px;font-size:20px!important;font-weight:700;color:#122240!important;border-left:3px solid #b8892b!important;padding-left:20px!important;margin-left:20px!important}
.brand-tagline .v5b-lines{font-family:Montserrat,Catamaran,sans-serif;font-style:normal;font-size:15px;font-weight:800;letter-spacing:1.5px;color:#FE0000;text-transform:uppercase}
.brand-tagline .v5b-motto{font-family:Lora,Georgia,serif;font-style:italic}
.header-quote-btn{font-size:16px!important;padding:16px 28px!important;font-weight:800!important}
/* Nav */
.nav-bar{background:#122240!important;border-bottom:4px solid #b8892b}
.page-links a{font-size:16px!important;font-weight:800!important;padding:18px 20px!important;letter-spacing:.3px}
.utility-call{font-size:16px}
.social-dot{width:38px!important;height:38px!important;font-size:15px!important;font-weight:800!important;background:rgba(255,255,255,.22)!important;color:#fff!important}
.social-dot:hover{background:#fe0000!important}
/* Typography / boldness */
main h1{font-size:clamp(36px,4.6vw,58px)!important;font-weight:800!important;line-height:1.08}
main h2{font-size:clamp(28px,3.2vw,42px)!important;font-weight:800!important}
main h3{font-weight:800!important}
main p,main li{font-size:18px}
main .fine,main .v5-compensation-note,main .qualification{font-size:14px}
.path-card,.expert-card,.quote-box,.decision-section,.v5b-card{border:2px solid #122240!important;border-radius:14px;box-shadow:0 10px 30px rgba(18,34,64,.12)}
.path-card{border-top:8px solid #fe0000!important}
.path-card h3{font-size:26px!important}
.path-cta{font-weight:800;font-size:17px}
/* service icons bigger */
.icon-circle{width:132px!important;height:132px!important}
.icon-circle svg{width:64px;height:64px}
.icon-label{font-size:20px!important;font-weight:800!important}
/* full-bleed rotating banner */
.v5b-slides{position:relative;height:clamp(320px,42vw,540px);overflow:hidden;background:#122240}
.v5b-slides img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;animation:v5bfade 18s infinite}
.v5b-slides img:nth-child(2){animation-delay:6s}.v5b-slides img:nth-child(3){animation-delay:12s}
@keyframes v5bfade{0%{opacity:0}5%{opacity:1}33%{opacity:1}38%{opacity:0}100%{opacity:0}}
.v5b-slides .v5b-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,34,64,.94) 0%,rgba(18,34,64,.82) 42%,rgba(18,34,64,.15) 75%);display:flex;align-items:center}
.v5b-slides .v5b-overlay .wrap{color:#fff}
.v5b-slides .v5b-kicker{font:800 18px Montserrat,sans-serif;letter-spacing:3px;color:#ffd27a;text-transform:uppercase}
.v5b-slides .v5b-big{font:800 clamp(34px,5vw,64px)/1.05 Lora,Georgia,serif;margin:12px 0 22px;max-width:640px;color:#fff}
.v5b-slides .primary{font-size:18px;padding:16px 30px}
@media (prefers-reduced-motion:reduce){.v5b-slides img{animation:none}.v5b-slides img:first-child{opacity:1}}
/* carrier marquee */
.carrier-band{padding:44px 0!important;background:#fff!important;border-block:3px solid #122240!important}
.carrier-label{font-size:22px!important;font-weight:800!important;letter-spacing:3px!important;color:#122240!important}
.v5b-marquee{overflow:hidden;width:100%;mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.v5b-track{display:flex;gap:72px;align-items:center;width:max-content;animation:v5bscroll 45s linear infinite}
.v5b-marquee:hover .v5b-track{animation-play-state:paused}
.v5b-track img{height:64px;width:auto;max-width:240px;object-fit:contain;filter:none!important}
@keyframes v5bscroll{from{transform:translateX(-50%)}to{transform:translateX(0)}}
@media (prefers-reduced-motion:reduce){.v5b-track{animation:none;flex-wrap:wrap;justify-content:center;width:100%}.v5b-track [aria-hidden=true]{display:none}}
/* team with headshots */
.v5b-team-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:22px;margin:28px 0}
.v5b-team-grid figure{margin:0;background:#fff;border:2px solid #122240;border-radius:14px;overflow:hidden;text-align:center}
.v5b-team-grid img,.v5b-team-grid .v5b-nophoto{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:top;display:block}
.v5b-nophoto{background:#122240;color:#fff;display:flex!important;align-items:center;justify-content:center;font:800 54px Lora,serif}
.v5b-team-grid figcaption{padding:14px 10px}
.v5b-team-grid strong{display:block;font-size:19px;color:#122240}
.v5b-team-grid span{font-size:15px;color:#a30000;font-weight:700}
@media(max-width:900px){.v5b-team-grid{grid-template-columns:repeat(2,1fr)}}
/* footer map + guides */
.v5b-map{display:grid;grid-template-columns:1fr;background:#0c1830}
.v5b-map iframe{width:100%;height:360px;border:0;display:block}
.v5b-map img{width:100%;height:360px;object-fit:cover;display:block;border:0}
.v5b-map-actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;padding:18px}
.v5b-map-actions a{background:#fff;color:#122240;font-weight:800;padding:12px 22px;border-radius:999px;text-decoration:none;font-size:16px}
footer{font-size:15px!important}
footer h4{font-size:18px!important}
.footer-grid{grid-template-columns:1.3fr 1fr 1fr 1fr 1fr!important}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr!important}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr!important}}
/* inner-page hero expert larger */
.hero-expert{max-width:520px!important}
/* guides + carrier directory */
.v5b-page{padding:40px 0 70px}
.v5b-page .lead{font-size:21px}
.v5b-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px;margin:26px 0}
.v5b-card{padding:24px;background:#fff;text-decoration:none;color:inherit;display:block}
.v5b-card h3{color:#122240;font-size:22px;margin:.2em 0}
.v5b-card img{height:46px;width:auto;max-width:200px;object-fit:contain}
.v5b-card ul{padding-left:18px;margin:10px 0 0}
.v5b-card li{font-size:16px}
.v5b-quote{border-left:6px solid #fe0000;background:#f5f7fb;padding:18px 22px;margin:22px 0;font-family:Lora,Georgia,serif;font-size:20px}
.v5b-quote cite{display:block;font:700 15px Montserrat,sans-serif;margin-top:8px;font-style:normal;color:#122240}
@media(max-width:760px){header .brand-mark img{height:64px!important}.brand-word-spirit{font-size:32px!important}.brand-tagline{display:none!important}.icon-circle{width:96px!important;height:96px!important}.v5b-track img{height:48px}}
.page-links a{font-size:15px!important;padding:18px 13px!important}
.utility-call{white-space:nowrap}
.utility-right{gap:8px}
@media(min-width:1101px){.nav-bar nav{flex-wrap:nowrap}.page-links{flex-wrap:nowrap}}
.v5b-team-grid figcaption{background:#fff!important;color:#122240!important;display:block!important}
.v5b-team-grid figcaption strong{color:#122240!important;font-family:Lora,Georgia,serif}
.v5b-team-grid figcaption span{color:#a30000!important}

/* v5b6 david-approved 2026-10-06 */
.brand-word-spirit{color:#16489F!important}
.nav-bar{background:#16489F!important}
.v5b-slides img:nth-child(1){object-position:62% 22%}
.v5b-slides img:nth-child(2){object-position:55% 18%}
.v5b-slides img:nth-child(3){object-position:60% 22%}
@media(max-width:760px){.v5b-slides img:nth-child(1){object-position:68% 0%}.v5b-slides img:nth-child(2){object-position:52% 15%}.v5b-slides img:nth-child(3){object-position:58% 20%}}
.decision-section,.update-copy,.updates-grid>div:not(.yt-row){padding:32px clamp(22px,4vw,44px)!important;background:#fff;border:1px solid #dfe4ec!important;border-radius:10px!important;box-shadow:0 2px 12px rgba(18,34,64,.08)!important}
.decision-section{margin-block:28px}
.yt-row{grid-column:1/-1;width:100%;display:flex;flex-wrap:wrap;justify-content:center;gap:24px;margin:24px auto;max-width:980px}
.yt-embed-card{flex:0 1 280px;border-radius:14px;overflow:hidden;box-shadow:0 8px 24px rgba(18,34,64,.18);background:#000}
.yt-ratio{position:relative;padding-top:177.78%}
.expert-card img{width:120px;height:150px;object-fit:cover;object-position:top;border-radius:10px;flex:none}
.v5-lead-form textarea{width:100%;font:inherit;padding:10px;border:1px solid #c9cfd8;border-radius:6px;resize:vertical;box-sizing:border-box}
.v5a-team h1{font:800 clamp(30px,4vw,44px)/1.1 Lora,Georgia,serif;color:#122240;margin:8px 0 10px}

/* v6g mobile team fix: override img height attr so aspect-ratio applies */
.v5b-team-grid img,.v5b-team-grid .v5b-nophoto{height:auto!important;max-width:100%}
@media(max-width:480px){.v5b-team-grid{gap:14px}.v5b-team-grid strong{font-size:16px}.v5b-team-grid span{font-size:13px}}