/* Reversible page-wide palette study. Flow is the default; the other palettes remain available. */
html[data-insurance-theme]{scroll-padding-bottom:90px}html[data-insurance-theme] body{padding-bottom:82px}
.theme-preview{position:fixed;left:50%;bottom:max(12px,env(safe-area-inset-bottom));transform:translateX(-50%);z-index:9999;display:flex;align-items:center;gap:12px;padding:7px 9px 7px 15px;background:#191519f5;color:#efe6df;border:1px solid #b899a540;border-radius:12px;box-shadow:0 5px 25px #0004;backdrop-filter:blur(16px);font-family:var(--sans);max-width:calc(100vw - 24px)}.theme-preview-label{font-size:12px;color:#c6b6be}.theme-preview-options{display:flex;gap:4px}.theme-preview button{display:flex;align-items:center;justify-content:center;gap:7px;min-height:44px;padding:8px 11px;background:transparent;border:1px solid transparent;border-radius:7px;color:#c7b8be;white-space:nowrap;font-size:12px;cursor:pointer}.theme-preview button[aria-pressed="true"]{background:#43202f;border-color:#ac5b77;color:#fff0f5}.theme-preview button:focus-visible{outline:2px solid #d59aae;outline-offset:2px}.theme-preview button i{width:11px;height:11px;border-radius:50%;border:1px solid #9b878c;background:#101012}.theme-preview [data-theme="warm"] i{background:#f7f3ec}.theme-preview [data-theme="cool"] i{background:#f2f5f8}
:root:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]){color-scheme:light;--preview-bg:#f7f3ec;--preview-surface:#fffdf9;--preview-raised:#f0e9e3;--preview-ink:#292127;--preview-muted:#66575e;--preview-border:#bcaab540;--preview-tint:#efe2e6;--surface-0:var(--preview-bg);--surface-1:var(--preview-surface);--surface-2:var(--preview-raised);--surface-3:var(--preview-surface);--surface-4:#e8dee2;--cream:var(--preview-ink);--muted:var(--preview-muted);--dim:#76646d;--hairline:var(--preview-border);--hairline-2:#8e74875c;--surface-grad:linear-gradient(180deg,var(--preview-surface),var(--preview-raised));--surface-grad-hi:var(--preview-raised);--edge-top:inset 0 1px #fff9;--edge-top-hi:inset 0 1px #fff;--elevation-1:0 2px 9px #3b0a1708;--elevation-2:0 8px 24px #3b0a1710;--ground-lift:radial-gradient(ellipse at 80% 10%,#7a123009,transparent 60%);--bloom-sm:0 3px 15px #7a123025;--bloom-lg:0 6px 24px #7a123025}
:root[data-insurance-theme="cool"]{--preview-bg:#f2f5f8;--preview-surface:#fff;--preview-raised:#e8edf2;--preview-ink:#20232e;--preview-muted:#526071;--preview-border:#7e91a640;--preview-tint:#e9e5ed}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) body{background:var(--preview-bg);color:var(--preview-ink)}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page{--reading-body:var(--preview-muted);--reading-secondary:var(--preview-muted);background:radial-gradient(ellipse at 75% 4%,#7a123008,transparent 24%)}
/* Typography and surfaces follow the palette; actual photos and illustration colors remain assets. */
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(h1,h2,h3,strong){color:var(--preview-ink)!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(p,span,small,li,summary,time,em,figcaption){color:var(--preview-muted)!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(.hero-sub,.mobile-intro,.reading-section p){color:var(--preview-muted)!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(.clock-comparison,.after-hours,.comparison-half,.agent-message,.ownership-node,.book-visual,.mobile-speed-proof,.mobile-exclusive-grid,.mobile-shared,.final-cta-card){background:var(--preview-surface)!important;border-color:var(--preview-border)!important;box-shadow:0 5px 25px #3b0a1706!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(.mobile-owned,.exclusive,.after-hours,.crm-ticket,.source-record){background:var(--preview-tint)!important;border-color:var(--preview-border)!important;box-shadow:none!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(.mobile-more,.mobile-delivery,.mobile-proof-list,.cost-math,.verification-list,.verification-list li,.transfer-thesis,.thesis-point,.section-footer,.story-controls,.household-quote){border-color:var(--preview-border)!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(.household-quote,.stream-avatar,.year-tabs button){background:var(--preview-raised)!important;color:var(--preview-ink)!important;border-color:var(--preview-border)!important;box-shadow:none!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page .stream-avatar{color:#7a1230!important;background:var(--preview-tint)!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page .stream-arrows button{color:var(--preview-ink)!important;background:var(--preview-surface)!important;border-color:var(--preview-border)!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page .clock-center{background:radial-gradient(circle,var(--preview-surface) 30%,transparent 58%)!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page .cost-bar-track{background:var(--preview-raised)}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(a.insurance-primary-cta,a.insurance-primary-cta span,.bad-ad strong,.bad-ad h3,.bad-ad p,.bad-ad span,.bad-ad small){color:#efe6df!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page .insurance-logo-banner{border-color:var(--preview-border);background:transparent}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .insurance-logo-banner img{filter:grayscale(1);opacity:.75}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) #insurance-page :is(button,summary):focus-visible{outline-color:#7a1230}
/* Header/footer use the same light surface; retain the existing logo through CSS compositing. */
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .nav:has(.brand-logo),html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .nav .site-menu{background:var(--preview-surface);border-color:var(--preview-border);box-shadow:0 5px 25px #3b0a1708;color:var(--preview-ink)}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .nav .brand.brand-logo{filter:invert(1) hue-rotate(180deg);mix-blend-mode:multiply}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .nav .site-menu-toggle{color:var(--preview-ink);border-color:var(--preview-border)}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .site-menu-links a{color:var(--preview-ink);border-color:var(--preview-border)}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .site-menu-contact,html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .site-menu-contact span{color:#efe6df!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .pl-site-footer{background:var(--preview-raised);border-color:var(--preview-border)}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .pl-site-footer :is(h2,h3,p,span,a){color:var(--preview-muted)!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .pl-footer-lockup{filter:invert(1) hue-rotate(180deg);mix-blend-mode:multiply}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .pl-footer-brand{mix-blend-mode:multiply}
@media(max-width:440px){.theme-preview{padding:5px 6px;gap:0}.theme-preview-label{display:none}.theme-preview button{padding:8px 10px;gap:6px;font-size:12px}}
@media(prefers-reduced-motion:reduce){.theme-preview *{transition:none}}
.theme-preview-morse{display:none!important}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .nav .brand.brand-logo{position:relative;filter:none;mix-blend-mode:normal}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .brand-logo .brand-lockup{filter:grayscale(1) invert(1) contrast(5);mix-blend-mode:multiply;mask-image:linear-gradient(90deg,transparent 0 12.8%,#000 12.8%)}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .brand-logo .theme-preview-morse{display:block!important;position:absolute;width:29px;height:34px;left:0;top:50%;transform:translateY(-50%);fill:#7a1230;overflow:visible}
html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .brand-logo .brand-symbol{visibility:hidden}
@media(max-width:620px){html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]) .brand-logo .theme-preview-morse{left:6px;width:26px;height:31px}}

/* Connected chapters: dark opening, continuous warm-white body, one dark feature. */
.theme-preview [data-theme="mixed"] i{background:linear-gradient(90deg,#101012 50%,#f7f3ec 50%)}
html[data-insurance-theme="mixed"] #insurance-page{background:none}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply){color-scheme:light;--preview-bg:#f7f3ec;--preview-surface:#fffdf9;--preview-raised:#f0e9e3;--preview-ink:#292127;--preview-muted:#66575e;--preview-border:#bcaab540;--preview-tint:#efe2e6;--surface-0:var(--preview-bg);--surface-1:var(--preview-surface);--surface-2:var(--preview-raised);--surface-3:var(--preview-surface);--surface-4:#e8dee2;--cream:var(--preview-ink);--muted:var(--preview-muted);--dim:#76646d;--hairline:var(--preview-border);--hairline-2:#8e74875c;--surface-grad:linear-gradient(180deg,var(--preview-surface),var(--preview-raised));--surface-grad-hi:var(--preview-raised);--edge-top:inset 0 1px #fff9;--edge-top-hi:inset 0 1px #fff;--elevation-1:0 2px 9px #3b0a1708;--elevation-2:0 8px 24px #3b0a1710;--ground-lift:radial-gradient(ellipse at 80% 10%,#7a123009,transparent 60%);--bloom-sm:0 3px 15px #7a123025;--bloom-lg:0 6px 24px #7a123025;--reading-body:var(--preview-muted);--reading-secondary:var(--preview-muted);background:var(--preview-bg)!important;color:var(--preview-ink);border-block:0}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(h1,h2,h3,strong){color:var(--preview-ink)!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(p,span,small,li,summary,time,em,figcaption){color:var(--preview-muted)!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(.hero-sub,.mobile-intro,.reading-section p){color:var(--preview-muted)!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(.clock-comparison,.after-hours,.comparison-half,.agent-message,.ownership-node,.book-visual,.mobile-speed-proof,.mobile-exclusive-grid,.mobile-shared,.final-cta-card){background:var(--preview-surface)!important;border-color:var(--preview-border)!important;box-shadow:0 5px 25px #3b0a1706!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(.mobile-owned,.exclusive,.after-hours,.crm-ticket,.source-record){background:var(--preview-tint)!important;border-color:var(--preview-border)!important;box-shadow:none!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(.mobile-more,.mobile-delivery,.mobile-proof-list,.cost-math,.verification-list,.verification-list li,.transfer-thesis,.thesis-point,.section-footer,.story-controls,.household-quote){border-color:var(--preview-border)!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(.household-quote,.stream-avatar,.year-tabs button){background:var(--preview-raised)!important;color:var(--preview-ink)!important;border-color:var(--preview-border)!important;box-shadow:none!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) .stream-avatar{color:#7a1230!important;background:var(--preview-tint)!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) .stream-arrows button{color:var(--preview-ink)!important;background:var(--preview-surface)!important;border-color:var(--preview-border)!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) .clock-center{background:radial-gradient(circle,var(--preview-surface) 30%,transparent 58%)!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) .cost-bar-track{background:var(--preview-raised)}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(a.insurance-primary-cta,a.insurance-primary-cta span,.bad-ad strong,.bad-ad h3,.bad-ad p,.bad-ad span,.bad-ad small){color:#efe6df!important}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) .insurance-logo-banner{border-color:var(--preview-border);background:transparent}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#exclusive,#source,#quality,#epidemic,#transfers,#apply) :is(button,summary):focus-visible{outline-color:#7a1230}
@media(max-width:440px){.theme-preview button{padding:8px 9px;gap:5px}.theme-preview-options{gap:2px}}

/* Continuous chapters with a clean transition into the neighborhood section. */
html[data-insurance-theme="mixed"] #insurance-page{isolation:isolate}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#epidemic){position:relative;border-radius:30px 30px 0 0;overflow:visible}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#epidemic)::before{content:"";position:absolute;z-index:1;width:1px;height:72px;left:50%;top:-36px;background:linear-gradient(transparent,#94556b99,transparent);pointer-events:none}
html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#epidemic)::after{content:"";position:absolute;z-index:1;width:4px;height:4px;border-radius:50%;left:calc(50% - 1.5px);top:-31px;background:#9d3657;box-shadow:0 0 9px #7a123050;animation:chapter-drop 4.5s linear infinite;pointer-events:none}

html[data-insurance-theme="mixed"] #insurance-page #book{position:relative;background:#0b0b0c;padding-top:0;padding-bottom:38px}
html[data-insurance-theme="mixed"] #book .book-section{padding-top:26px}
html[data-insurance-theme="mixed"] #insurance-page #apply{max-width:none;margin:0;padding:45px 24px 25px}
html[data-insurance-theme="mixed"] #apply .final-cta-card{max-width:1144px;margin:auto}
html[data-insurance-theme="mixed"] #insurance-page>.insurance-performance-note{max-width:none;margin:0;padding:0 max(24px,calc((100% - 740px)/2)) 50px;background:#f7f3ec;color:#66575e}
@keyframes chapter-drop{0%{transform:translateY(0);opacity:0}15%,75%{opacity:1}100%{transform:translateY(62px);opacity:0}}
@media(prefers-reduced-motion:reduce){html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#epidemic)::after{animation:none!important}}
@media(max-width:700px){html[data-insurance-theme="mixed"] #insurance-page :is(#speed,#epidemic){border-radius:20px 20px 0 0}html[data-insurance-theme="mixed"] #book .book-section{padding-top:18px}html[data-insurance-theme="mixed"] #insurance-page #apply{padding:28px 14px 22px}html[data-insurance-theme="mixed"] #insurance-page>.insurance-performance-note{padding-bottom:35px}}

html:is([data-insurance-theme="warm"],[data-insurance-theme="cool"]){--site-focus:#7a1230}