/* Oak Insurance Group · site styles
   Layout: institutional, left-weighted; dark hero/close bands sandwich light Bone content (the design system's dark-light-dark rhythm). */
:root{
  --navy:#0F1E33; --navy-2:#1C3A5E; --green:#0F3222; --forest:#0F2E22;
  --sage:#5E8B7E; --gold:#CAAD90; --gold-deep:#B08D57; --stone:#D8D6CE;
  --bg:#F5F4F0; --surface:#FFFFFF; --surface-2:#ECEAE3; --ink:#1A1D1A; --muted:#5B6370;
  --line:#D8D6CE; --heading:#0F3222; --gold-text:#7A5C2E; --sage-text:#3F6B5E; --link:#1C3A5E; --band:#0F1E33; --band-ink:#F5F4F0;
  --band-muted:#B9C2CC; --accent:#0F3222; --accent-ink:#F5F4F0;
  --serif:"Cormorant Garamond", "Iowan Old Style", Georgia, serif;
  --sans:"Urbanist", "Avenir Next", "Segoe UI", system-ui, sans-serif;
  --wrap:1180px; --r:4px;
}
@media (prefers-color-scheme: dark){ :root:not([data-theme="light"]){
  --bg:#0C1828; --surface:#122339; --surface-2:#16294A; --ink:#E9E7E1; --muted:#A8B2BE;
  --line:#25395A; --heading:#E9E7E1; --gold-text:#CAAD90; --sage-text:#8FB5A9; --link:#CAAD90; --band:#08111D; --band-ink:#F5F4F0;
  --band-muted:#A8B2BE; --accent:#5E8B7E; --accent-ink:#0B1626; color-scheme:dark } }
:root[data-theme="dark"]{
  --bg:#0C1828; --surface:#122339; --surface-2:#16294A; --ink:#E9E7E1; --muted:#A8B2BE;
  --line:#25395A; --heading:#E9E7E1; --gold-text:#CAAD90; --sage-text:#8FB5A9; --link:#CAAD90; --band:#08111D; --band-ink:#F5F4F0;
  --band-muted:#A8B2BE; --accent:#5E8B7E; --accent-ink:#0B1626; color-scheme:dark }

*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.65 var(--sans);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--link);text-underline-offset:3px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid var(--gold-deep);outline-offset:3px}
h1,h2,h3,h4{font-family:var(--serif);color:var(--heading);text-wrap:balance;margin:0;line-height:1.12;font-weight:600}
h1{font-size:clamp(2.4rem,5.2vw,3.9rem);letter-spacing:-.01em}
h2{font-size:clamp(1.9rem,3.6vw,2.6rem)}
h3{font-size:1.55rem;font-weight:500}
h4{font-size:1.25rem;font-weight:500}
p{margin:0}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(16px,4vw,40px)}
.kicker{font:600 13px/1.3 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.lede{font-size:1.2rem;line-height:1.6;color:var(--muted);max-width:62ch}
.prose{max-width:66ch;display:grid;gap:1em}
.muted{color:var(--muted)}
.small{font-size:13px;line-height:1.55}

/* header */
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:var(--surface);padding:8px 12px;z-index:99}
.site-head{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;gap:24px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--heading)}
.brand svg{height:50px;width:auto;color:var(--green)}
.brand .word{display:flex;flex-direction:column;line-height:1}
.brand .oak{font:500 42px/.84 var(--serif);letter-spacing:.16em;margin-right:-.16em}
.brand .desc{font:500 9px/1 var(--sans);letter-spacing:.13em;margin-top:7px;color:var(--muted);white-space:nowrap}
.nav{margin-left:auto;display:flex;align-items:center;gap:4px}
.nav a{font:500 15px/1 var(--sans);color:var(--ink);text-decoration:none;padding:10px 12px;border-radius:var(--r)}
.nav a:hover{background:var(--surface-2)}
.nav a[aria-current="page"]{color:var(--heading);box-shadow:inset 0 -2px 0 var(--gold-deep)}
.nav .ext::after{content:"↗";font-size:.8em;margin-left:3px;color:var(--gold-deep)}
.btn{display:inline-flex;align-items:center;gap:8px;font:600 15px/1 var(--sans);padding:14px 20px;border-radius:var(--r);text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s}
.btn-primary{background:var(--accent);color:var(--accent-ink)}
.btn-primary:hover{background:var(--navy-2);color:#F5F4F0}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:#d8bfa5}
.btn-ghost{border-color:currentColor;color:inherit;background:transparent}
.nav .btn{margin-left:8px;padding:12px 16px;color:var(--accent-ink)}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);color:var(--ink);border-radius:var(--r);padding:10px 12px;font:600 14px var(--sans)}
@media (max-width:1020px){
  .menu-btn{display:inline-flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;background:var(--bg);border-bottom:1px solid var(--line);padding:8px clamp(16px,4vw,40px) 16px}
  .nav.open{display:flex}
  .nav a{padding:14px 8px}
  .nav .btn{margin:8px 0 0;justify-content:center}
}

/* hero */
.hero{position:relative;background:var(--navy);color:var(--band-ink);overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;background-image:var(--photo);background-size:cover;background-position:center 40%;z-index:-2}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(15,30,51,.94) 0%,rgba(15,30,51,.82) 45%,rgba(15,30,51,.55) 100%);z-index:-1}
.hero .wrap{padding-block:clamp(72px,10vw,128px) clamp(64px,8vw,104px);display:grid;gap:24px}
.hero h1{color:#F5F4F0;max-width:16ch}
.hero .lede{color:#D3D9E0}
.hero .kicker{color:var(--gold)}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.hero .btn-ghost{color:#F5F4F0}
.page-hero .wrap{padding-block:clamp(56px,8vw,96px) clamp(48px,6vw,72px)}
.page-hero h1{max-width:20ch}

.proof{background:var(--green);color:#F5F4F0}
.proof .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.proof div{padding:22px 20px;border-left:1px solid rgba(202,173,144,.28)}
.proof div:first-child{border-left:0;padding-left:0}
.proof b{display:block;font:600 1.7rem/1.1 var(--serif);color:var(--gold)}
.proof span{font-size:14px;color:#C9D5CF}
@media (max-width:820px){.proof .wrap{grid-template-columns:1fr 1fr}.proof div{border-left:0;padding-left:0;border-top:1px solid rgba(202,173,144,.2)}}

/* sections */
section.block{padding-block:clamp(64px,8vw,104px)}
section.alt{background:var(--surface-2)}
section.dark{background:var(--band);color:var(--band-ink)}
section.dark h2,section.dark h3{color:#F5F4F0}
section.dark .lede,section.dark .muted{color:var(--band-muted)}
section.dark .kicker{color:var(--gold)}
.head{display:grid;gap:14px;margin-bottom:44px;max-width:760px}
.split{display:grid;grid-template-columns:5fr 7fr;gap:clamp(32px,6vw,80px);align-items:start}
.split>*{min-width:0}
@media (max-width:900px){.split{grid-template-columns:1fr}}

.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:980px){.g4{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}

.card{background:var(--surface);border-top:2px solid var(--green);padding:26px 24px;display:grid;gap:10px;align-content:start}
section.alt .card{background:var(--bg)}
.card p{color:var(--muted);font-size:16px}
.card a.more{font-weight:600;font-size:15px;text-decoration:none;margin-top:4px}
.card a.more::after{content:" →"}
.card .tag{font:600 12px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--sage-text)}

.icon{width:44px;height:44px;border-radius:50%;background:var(--green);color:#F5F4F0;display:grid;place-items:center}
.icon svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
section.dark .icon{background:var(--sage);color:var(--navy)}

.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;border-top:1px solid rgba(202,173,144,.35)}
.steps li{list-style:none;padding:26px 22px 8px 0;display:grid;gap:8px;align-content:start}
.steps li::before{counter-increment:s;content:counter(s);font:600 2.6rem/1 var(--serif);color:var(--gold)}
.steps{padding:0;margin:0}
section:not(.dark) .steps{border-top-color:var(--line)}
section:not(.dark) .steps li::before{color:var(--gold-text)}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

.checklist{list-style:none;padding:0;margin:0;display:grid;gap:0}
.checklist li{display:grid;grid-template-columns:28px 1fr;gap:14px;padding:18px 0;border-bottom:1px solid var(--line)}
.checklist li::before{content:"";width:9px;height:9px;border-radius:50%;background:var(--gold-deep);margin-top:9px}
.checklist b{font-weight:600;color:var(--heading)}
section.dark .checklist li{border-color:rgba(202,173,144,.22)}
section.dark .checklist b{color:#F5F4F0}

.needs{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid var(--line);border-left:1px solid var(--line)}
.needs div{padding:22px 20px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:grid;gap:6px;align-content:start}
.needs h4{font-size:1.2rem}
.needs p{font-size:15px;color:var(--muted)}
@media (max-width:980px){.needs{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.needs{grid-template-columns:1fr}}

.photo-panel{position:relative;min-height:360px;background:var(--forest);background-image:var(--photo);background-size:cover;background-position:center;isolation:isolate}
.photo-panel::after{content:"";position:absolute;inset:0;background:rgba(15,50,34,.35);z-index:-1}

.pull{border-left:2px solid var(--gold-deep);padding:4px 0 4px 22px;font:500 1.6rem/1.35 var(--serif);color:var(--heading);max-width:30ch}
section.dark .pull{color:#F5F4F0}

.band125{background:var(--green);color:#F5F4F0}
.band125 .wrap{display:grid;grid-template-columns:auto 1fr auto;gap:32px;align-items:center;padding-block:44px}
.band125 .num{font:600 4.4rem/1 var(--serif);color:var(--gold)}
.band125 h3{color:#F5F4F0}
.band125 p{color:#C9D5CF;max-width:60ch}
@media (max-width:820px){.band125 .wrap{grid-template-columns:1fr}}

.table-wrap{overflow-x:auto;border:1px solid var(--line);background:var(--surface)}
table{border-collapse:collapse;width:100%;font-size:15px;min-width:560px}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#F5F4F0;font-weight:600;font-size:13px;letter-spacing:.06em;text-transform:uppercase}
tbody tr:nth-child(even){background:var(--surface-2)}
td b{color:var(--heading)}

details.faq{border-bottom:1px solid var(--line);padding:6px 0}
details.faq summary{cursor:pointer;list-style:none;font:500 1.3rem/1.3 var(--serif);color:var(--heading);padding:16px 36px 16px 0;position:relative}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font:400 1.6rem var(--sans);color:var(--gold-deep)}
details.faq[open] summary::after{content:"−"}
details.faq p{padding:0 0 18px;color:var(--muted);max-width:70ch}

.disclosure{font-size:13px;line-height:1.6;color:var(--muted);border-top:1px solid var(--line);padding-top:20px;margin-top:40px;max-width:90ch}

/* CTA close */
.close{background:var(--navy);color:#F5F4F0;position:relative;overflow:hidden}
.close .wrap{padding-block:clamp(64px,8vw,96px);display:grid;grid-template-columns:7fr 5fr;gap:40px;align-items:end}
.close h2{color:#F5F4F0}
.close p{color:#C3CBD5}
.close .contact-lines{display:grid;gap:6px;font-size:15px;color:#C3CBD5}
.close .contact-lines b{color:var(--gold);font:600 1.6rem/1.2 var(--serif)}
.close .leafmark{position:absolute;right:-40px;bottom:-60px;width:320px;opacity:.07;color:var(--sage);pointer-events:none}
@media (max-width:820px){.close .wrap{grid-template-columns:1fr}}

/* footer */
.foot{background:var(--band);color:var(--band-muted);font-size:14px}
.foot .wrap{padding-block:56px 32px;display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:32px}
.foot h5{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin:0 0 14px}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.foot a{color:#DCE2E8;text-decoration:none}
.foot a:hover{text-decoration:underline}
.foot .brand{color:#F5F4F0}.foot .brand svg{color:var(--sage)}.foot .brand .desc{color:var(--band-muted)}
.foot .legal{grid-column:1/-1;border-top:1px solid rgba(202,173,144,.2);padding-top:22px;font-size:12.5px;line-height:1.6;display:grid;gap:10px}
@media (max-width:860px){.foot .wrap{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot .wrap{grid-template-columns:1fr}}

/* forms */
.form-shell{background:var(--surface);border-top:2px solid var(--green);padding:clamp(22px,4vw,40px)}
form.oak{display:grid;gap:18px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.fields .full{grid-column:1/-1}
@media (max-width:620px){.fields{grid-template-columns:1fr}}
fieldset{border:0;padding:0;margin:0;display:grid;gap:14px}
legend{font:600 13px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);padding:0;margin-bottom:6px}
label{display:grid;gap:6px;font-size:14px;font-weight:600;color:var(--ink)}
label .opt{font-weight:400;color:var(--muted)}
input,select,textarea{font:400 16px/1.4 var(--sans);color:var(--ink);background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:12px 13px;width:100%}
textarea{min-height:120px;resize:vertical}
.radio-row{display:flex;flex-wrap:wrap;gap:10px}
.radio-row label{display:flex;align-items:center;gap:8px;font-weight:500;border:1px solid var(--line);padding:10px 14px;border-radius:var(--r);background:var(--bg);cursor:pointer}
.radio-row input{width:auto}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;color:var(--muted)}
.consent input{width:auto;margin-top:4px}
.form-status{font-size:15px;padding:12px 14px;border-radius:var(--r);background:var(--surface-2)}
.form-status.ok{border-left:3px solid var(--sage)}
.form-status.err{border-left:3px solid #A4553E}
.tools{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.tools a{display:grid;gap:8px;padding:22px;background:var(--surface);text-decoration:none;color:var(--ink);border:1px solid var(--line);transition:border-color .2s}
.tools a:hover{border-color:var(--gold-deep)}
.tools b{font:500 1.3rem/1.2 var(--serif);color:var(--heading)}
.tools span{font-size:14px;color:var(--muted)}
@media (max-width:980px){.tools{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.tools{grid-template-columns:1fr}}

/* blog (Harbor-style curated feed) */
.years{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}
.years a{display:block;padding:9px 16px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font:600 14px/1 var(--sans);color:var(--ink);background:var(--surface)}
.years a:hover{border-color:var(--gold-deep)}
.feed{display:grid;gap:56px}
.year-head{display:flex;align-items:baseline;gap:16px;border-bottom:1px solid var(--line);padding-bottom:10px;margin-bottom:8px;scroll-margin-top:100px}
.year-head h2{font-size:2.4rem}
.entry{display:grid;grid-template-columns:120px 1fr;gap:28px;padding:28px 0;border-bottom:1px solid var(--line)}
.entry>*{min-width:0}
.entry .when{display:grid;gap:4px;align-content:start}
.entry .mo{font:600 1.5rem/1 var(--serif);color:var(--heading)}
.entry .day{font-size:13px;color:var(--muted);font-variant-numeric:tabular-nums}
.entry .src{font:600 12px/1.3 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--sage-text)}
.entry h3{font-size:1.5rem;margin:6px 0 10px}
.entry h3 a{color:var(--heading);text-decoration:none}
.entry h3 a:hover{text-decoration:underline}
.entry .take{display:grid;grid-template-columns:auto 1fr;gap:12px;color:var(--ink);max-width:68ch}
.entry .take::before{content:"Oak's take";font:600 11px/1.9 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);white-space:nowrap}
.entry .read{display:inline-block;margin-top:12px;font-weight:600;font-size:15px;text-decoration:none}
.entry .also{margin-top:14px;font-size:14px;color:var(--muted)}
.entry .also a{color:var(--link)}
.cat{display:inline-block;font:600 11px/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;padding:5px 8px;border:1px solid var(--line);color:var(--muted);margin-left:8px;vertical-align:2px}
.filters{display:flex;flex-wrap:wrap;gap:8px}
.filters button{font:600 14px/1 var(--sans);padding:9px 14px;border:1px solid var(--line);background:var(--surface);color:var(--ink);border-radius:999px;cursor:pointer}
.filters button[aria-pressed="true"]{background:var(--accent);color:var(--accent-ink);border-color:var(--accent)}
@media (max-width:620px){.entry{grid-template-columns:1fr;gap:10px}.entry .when{grid-template-columns:auto auto;justify-content:start;gap:10px;align-items:baseline}.entry .take{grid-template-columns:1fr}}

.diagram{background:var(--surface);border:1px solid var(--line);padding:20px;overflow-x:auto}
.diagram svg{width:100%;min-width:560px;height:auto}
.diagram text{font-family:var(--sans)}

/* leadership bios */
.bios{display:grid;gap:0;border-top:1px solid var(--line)}
.bio{display:grid;grid-template-columns:176px 1fr;gap:28px;padding:32px 0;border-bottom:1px solid var(--line)}
.bio>*{min-width:0}
.bio .mono{width:88px;height:88px;border-radius:50%;background:var(--green);color:var(--gold);display:grid;place-items:center;font:600 2rem/1 var(--serif);letter-spacing:.02em}
.bio h3{font-size:1.9rem}
.bio .role{display:block;font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text);margin:6px 0 14px}
.bio p{max-width:70ch;color:var(--ink)}
.bio .cred{margin-top:12px;font-size:14px;color:var(--muted)}
@media (max-width:620px){.bio{grid-template-columns:1fr;gap:14px}.bio .mono{width:64px;height:64px;font-size:1.5rem}}
/* partner band */
.partner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:32px}
.partner-logo{display:inline-flex;align-items:center;justify-content:center;background:#FFFFFF;border:1px solid var(--line);padding:22px 28px;min-height:96px}
.partner-logo img{max-width:220px;height:auto}
.bio .mono.photo{width:176px;height:176px;object-fit:cover;background:var(--navy);display:block;border-radius:50%}
.partners{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr));gap:24px}
.partner-card{display:grid;gap:14px;align-content:start;background:#FFFFFF;border:1px solid var(--line);padding:28px}
.partner-card .partner-logo{border:0;padding:0;min-height:64px;justify-content:flex-start;background:none}
.partner-card .partner-logo img{max-width:160px}
.ffr-lockup{display:inline-flex;align-items:center;gap:12px;color:#060F3F;font-weight:600;font-size:1rem;line-height:1.15;letter-spacing:.01em}
.ffr-lockup img{width:52px;height:auto}
.partner-card .partner-logo{text-decoration:none}
.partner-stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:4px 0 0;padding-top:16px;border-top:1px solid var(--line)}
.partner-stats div{display:grid;gap:4px;align-content:start}
.partner-stats dt{font:600 26px/1 var(--serif);color:var(--heading);font-variant-numeric:lining-nums}
.partner-stats dd{margin:0;font-size:13px;line-height:1.4;color:var(--muted)}
@media (max-width:480px){.partner-stats{grid-template-columns:1fr}}
.partner-meta{margin:-6px 0 0;font:600 12px/1.4 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--gold-text,#7A5C2E)}