/* Insurance Growth & ROI Tools: the two calculator pages and the home page section.
   Builds on style.css tokens (forest, lime, paper, line, muted). */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* Home page section */
.roi-home{padding-block:70px 80px}
.roi-messages{list-style:none;margin:0 0 24px;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.roi-messages li{background:var(--forest);color:var(--paper);border-radius:18px;padding:22px 24px;display:grid;gap:10px;align-content:start}
.roi-messages .tile{background:var(--lime);color:var(--forest);width:40px;height:40px;grid-row:auto}
.roi-messages strong{font-size:19px;line-height:1.25;letter-spacing:-.03em;font-weight:650}
.roi-messages p{color:#c3c8d4;font-size:14.5px;line-height:1.6}
.roi-cards{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.roi-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;display:flex;flex-direction:column;gap:16px}
.roi-card-top{display:flex;align-items:center;gap:14px}
.roi-card-top .tile{grid-row:auto}
.roi-kicker{font-size:12px;font-weight:650;letter-spacing:1.4px;text-transform:uppercase;color:#3c496b}
.roi-card h3{font-size:clamp(24px,2.2vw,30px);font-weight:600;letter-spacing:-.045em;line-height:1.12}
.roi-card>p{font-size:15px;line-height:1.65}
.roi-card .chain{margin-top:2px}
.roi-card .button{align-self:flex-start;margin-top:auto}
.roi-home .fineprint{margin-top:20px}

/* Tool page: intro */
.roi-page{background:var(--paper)}
.roi-hero{padding-block:44px 34px;display:grid;gap:18px;max-width:1360px}
.roi-crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px 10px;font-size:13px;font-weight:550;color:var(--muted)}
.roi-crumbs li{display:flex;align-items:center;gap:10px}
.roi-crumbs li:not(:last-child):after{content:'/';color:#929ab0}
.roi-crumbs a{border-bottom:1px solid transparent}
.roi-crumbs a:hover{border-color:currentColor;color:var(--forest)}
.roi-crumbs [aria-current]{color:var(--forest)}
.roi-hero .section-label{margin:6px 0 0;color:#3c496b;font-size:12px}
.roi-hero h1{font-size:clamp(36px,4.6vw,66px);font-weight:650;line-height:1.04;letter-spacing:-.055em;max-width:15em;text-wrap:balance}
.roi-lede{font-size:clamp(17px,1.5vw,20px);line-height:1.55;color:var(--forest);max-width:46em;letter-spacing:-.01em}
.roi-problem{list-style:none;margin:6px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.roi-problem li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;font-size:14.5px;line-height:1.55;color:var(--forest)}
.roi-problem .icon{color:#3c496b;margin-top:1px}

/* Tool page: calculator */
.roi-tool{padding-block:10px 60px}
.roi-banner{display:flex;gap:12px;align-items:flex-start;background:var(--lime);color:var(--forest);border-radius:14px;padding:14px 18px;font-size:15px;font-weight:550;line-height:1.5;margin-bottom:24px}
.roi-banner .icon{margin-top:1px}
.roi-layout{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:28px;align-items:start}
.roi-inputs{display:grid;gap:16px;min-width:0}
.roi-group{margin:0;min-width:0;background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px 22px 22px;display:grid;gap:18px}
.roi-group legend{float:left;width:100%;padding:0;font-size:18px;font-weight:650;letter-spacing:-.03em;color:var(--forest)}
.roi-group legend+*{clear:both}
.roi-field{display:grid;gap:8px;min-width:0;transition:opacity .2s}
.roi-field.is-off{opacity:.45}
.roi-field-head{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 10px}
.roi-field-head label{font-size:14.5px;font-weight:600;color:var(--forest);line-height:1.35}
.roi-tag{font-size:12px;font-weight:650;letter-spacing:.6px;text-transform:uppercase;color:#6b5000;background:#fff3c4;border-radius:99px;padding:3px 9px;white-space:nowrap}
.roi-field-row{display:grid;grid-template-columns:minmax(0,1fr) 128px;gap:14px;align-items:center}
.roi-field input[type=range]{width:100%;margin:0;height:28px;accent-color:#24386a;cursor:pointer;background:transparent}
.roi-num{display:flex;align-items:center;gap:4px;height:44px;border:1px solid #c2c7d3;border-radius:12px;background:var(--paper);padding:0 12px;font-weight:600;color:var(--muted);font-variant-numeric:tabular-nums;transition:border-color .2s,box-shadow .2s}
.roi-num:focus-within{border-color:var(--forest);box-shadow:0 0 0 3px #ffc83d99}
.roi-num input{width:100%;min-width:0;border:0;background:transparent;font:inherit;font-size:15px;color:var(--forest);text-align:right;padding:0;-moz-appearance:textfield}
.roi-num input:focus{outline:none}
.roi-num input::-webkit-outer-spin-button,.roi-num input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.roi-hint{font-size:13px;color:var(--muted)}
.roi-switch{display:grid;grid-template-columns:44px minmax(0,1fr);gap:12px;align-items:center;font-size:14.5px;line-height:1.4;color:var(--forest);cursor:pointer;min-height:32px}
.roi-switch input{position:absolute;opacity:0;width:1px;height:1px}
.roi-switch-ui{width:44px;height:26px;border-radius:99px;background:#caced9;position:relative;transition:background .2s}
.roi-switch-ui:after{content:'';position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 3px #0b1b3f40;transition:transform .25s var(--ease)}
.roi-switch input:checked+.roi-switch-ui{background:var(--forest)}
.roi-switch input:checked+.roi-switch-ui:after{transform:translateX(18px);background:var(--lime)}
.roi-switch input:focus-visible+.roi-switch-ui{outline:3px solid #1d52ec;outline-offset:3px}

/* Results */
.roi-results{position:sticky;top:96px;min-width:0;background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;display:grid;gap:16px}
.roi-results h2{font-size:18px;font-weight:650;letter-spacing:-.03em;line-height:1.25}
.roi-headline{background:var(--forest);color:var(--paper);border-radius:16px;padding:18px 20px;display:grid;gap:2px}
.roi-headline small{font-size:13px;color:#c3c8d4;font-weight:550}
.roi-headline strong{font-size:clamp(34px,3.4vw,46px);line-height:1.1;letter-spacing:-.04em;color:var(--lime);font-variant-numeric:tabular-nums;font-weight:700}
.roi-headline.is-negative strong{color:#ffd0b8}
.roi-sentence{font-size:14px;line-height:1.55;margin-top:-4px}
.roi-kpis{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.roi-kpis li{background:#e7eaf3;border-radius:12px;padding:12px 14px;display:grid;gap:2px;min-width:0}
.roi-kpis small{font-size:12.5px;line-height:1.35;color:var(--muted)}
.roi-kpis strong{font-size:20px;letter-spacing:-.03em;font-variant-numeric:tabular-nums;color:var(--forest);overflow-wrap:anywhere}
.roi-chart{display:grid;gap:14px}
.roi-chart-group{display:grid;gap:6px}
.roi-chart-title{font-size:12px;font-weight:650;letter-spacing:1px;text-transform:uppercase;color:#3c496b}
.roi-chart-row{display:grid;grid-template-columns:minmax(76px,auto) minmax(0,1fr) minmax(76px,auto);gap:10px;align-items:center;font-size:13px;color:var(--muted)}
.roi-chart-row b{font-weight:650;color:var(--forest);text-align:right;font-variant-numeric:tabular-nums}
.roi-track{height:14px;border-radius:7px;background:#e7eaf3;overflow:hidden}
.roi-fill{display:block;height:100%;border-radius:7px;background:#838da6;transition:width .45s var(--ease)}
.roi-chart-row.is-digital .roi-fill{background:#3f65c6}
.roi-chart-row.is-loss .roi-fill{background:#d9733a}
.roi-chart-row.is-loss b{color:#a2481a}
.roi-chart-note{font-size:12px;color:var(--muted)}
.roi-actions{display:flex;flex-wrap:wrap;gap:8px;padding-top:4px;border-top:1px solid var(--line);padding-top:16px}
.roi-action{display:inline-flex;align-items:center;gap:8px;min-height:40px;border:1px solid var(--forest);border-radius:99px;background:transparent;padding:8px 14px;font-size:13px;font-weight:650;color:var(--forest);transition:background .2s}
.roi-action .icon{width:18px;height:18px}
.roi-action:hover{background:#e7eaf3}
.roi-action.primary{background:var(--forest);color:#fff}
.roi-action.primary:hover{background:#1a2b55}
.roi-status{min-height:20px;font-size:13px;font-weight:600;color:#24386a;margin-top:-6px}

/* Table and notes */
.roi-table-block{margin-top:32px;display:grid;gap:14px}
.roi-table-block h2{font-size:clamp(24px,2.2vw,30px);font-weight:600;letter-spacing:-.045em}
.roi-table-wrap{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:18px}
.roi-table-wrap:focus-visible{outline:3px solid #1d52ec;outline-offset:3px}
#roi-table{width:100%;border-collapse:collapse;font-size:14.5px;font-variant-numeric:tabular-nums;min-width:460px}
#roi-table th,#roi-table td{padding:12px 18px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
#roi-table th[scope=row],#roi-table thead th:first-child{text-align:left;font-weight:500;color:var(--forest);white-space:normal}
#roi-table thead th{font-size:12px;font-weight:650;letter-spacing:1px;text-transform:uppercase;color:#3c496b;background:#eff1f7}
#roi-table td{color:var(--forest)}
#roi-table tr.is-total th,#roi-table tr.is-total td{font-weight:700;background:#eaeef8}
#roi-table tbody tr:last-child th,#roi-table tbody tr:last-child td{border-bottom:0}
.roi-zero{font-size:14px;font-weight:600;color:#7a4b00}
.roi-fine{font-size:13px;line-height:1.7;color:var(--muted);max-width:70em}

/* Call to action */
.roi-cta{background:var(--forest);color:var(--paper)}
.roi-cta-inner{padding-block:60px;display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:32px;align-items:end}
.roi-cta .section-label{color:var(--lime);font-size:12px;margin-bottom:14px}
.roi-cta h2{font-size:clamp(34px,4vw,56px);font-weight:600;letter-spacing:-.05em;line-height:1.05}
.roi-cta p{color:#c3c8d4;font-size:16px;line-height:1.65;margin-top:16px;max-width:36em}
.roi-cta p strong{color:#fff;white-space:nowrap}
.roi-cta-actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:flex-end}
.button.ghost{border-color:#ffffff66;color:var(--paper);background:transparent}
.button.ghost:hover{background:#ffffff14}

/* The other tool */
.roi-next{padding-block:56px 70px}
.roi-next .roi-card{max-width:760px}

/* Phone results bar */
.roi-bar{display:none}
.roi-print-head{display:none}

@media(max-width:1150px){.roi-layout{gap:20px}.roi-field-row{grid-template-columns:minmax(0,1fr) 116px}}
@media(max-width:900px){
  .roi-layout{grid-template-columns:minmax(0,1fr)}
  .roi-results{position:static}
  .roi-problem,.roi-messages{grid-template-columns:minmax(0,1fr)}
  .roi-cta-inner{grid-template-columns:minmax(0,1fr);align-items:start}
  .roi-cta-actions{justify-content:flex-start}
  .roi-page{padding-bottom:76px}
  .roi-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:25;align-items:center;justify-content:space-between;gap:12px;background:var(--forest);color:var(--paper);padding:10px max(16px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));box-shadow:0 -8px 24px #0b1b3f33;transition:transform .3s var(--ease)}
  .roi-bar.is-hidden{transform:translateY(110%)}
  .roi-bar>span:first-child{display:grid;min-width:0}
  .roi-bar small{font-size:12px;color:#c3c8d4}
  .roi-bar strong{font-size:22px;letter-spacing:-.03em;color:var(--lime);font-variant-numeric:tabular-nums;line-height:1.2}
  .roi-bar>span:last-child{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:650;background:var(--lime);color:var(--forest);border-radius:99px;padding:9px 14px;white-space:nowrap}
}
@media(max-width:760px){
  .roi-cards{grid-template-columns:minmax(0,1fr)}
  .roi-card{padding:22px}
  .roi-home{padding-block:50px 60px}
  .roi-hero{padding-block:28px 24px}
  .roi-group{padding:18px 16px}
  .roi-results{padding:16px;border-radius:18px}
  .roi-field-row{grid-template-columns:minmax(0,1fr) 104px;gap:10px}
  .roi-cta-inner{padding-block:44px}
  .roi-cta .button{width:100%}
  #roi-table{min-width:0;font-size:13.5px}
  #roi-table th,#roi-table td{padding:11px 10px}
  #roi-table thead th{font-size:12px;letter-spacing:.5px}
}
@media(max-width:560px){
  #roi-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  #roi-table,#roi-table tbody{display:block}
  #roi-table tr{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:4px 12px;padding:12px 14px;border-bottom:1px solid var(--line)}
  #roi-table tbody tr:last-child{border-bottom:0}
  #roi-table th,#roi-table td{border:0;padding:0;text-align:left;white-space:normal}
  #roi-table th[scope=row]{grid-column:1/-1;font-weight:650}
  #roi-table tr.is-total{background:#eaeef8}
  #roi-table tr.is-total th,#roi-table tr.is-total td{background:none}
  #roi-table td:before{content:attr(data-col);display:block;font-size:12px;font-weight:550;color:var(--muted)}
}
@media(max-width:370px){
  .roi-field-row{grid-template-columns:minmax(0,1fr)}
  .roi-num{max-width:160px}
  .roi-kpis{grid-template-columns:minmax(0,1fr)}
  .roi-chart-row{grid-template-columns:minmax(0,1fr) auto}
  .roi-chart-row .roi-track{grid-column:1/-1;grid-row:2}
}
@media(prefers-reduced-motion:reduce){.roi-fill,.roi-bar,.roi-switch-ui,.roi-switch-ui:after{transition:none}}

/* Print or save as PDF: inputs and results on the first page, the monthly table after */
@media print{
  @page{margin:12mm}
  body,.roi-page{background:#fff!important}
  .site-header,.site-footer,.skip,.roi-bar,.roi-actions,.roi-status,.roi-cta-actions,.roi-next,.roi-crumbs,.roi-problem,.roi-hero .section-label,.menu-toggle,input[type=range],.roi-hint{display:none!important}
  .roi-page{padding:0}
  .roi-print-head{display:block;font-size:9pt;color:#444;border-bottom:1px solid #ccc;padding-bottom:4px;margin-bottom:6px}
  .shell{width:100%}
  .roi-hero{padding:0 0 6px;gap:4px}
  .roi-hero h1{font-size:20pt;max-width:none}
  .roi-lede{font-size:9pt;line-height:1.4}
  .roi-tool{padding:0}
  .roi-banner{font-size:8.5pt;padding:5px 9px;margin-bottom:8px;border-radius:8px;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .roi-banner .icon{width:14px;height:14px}
  .roi-layout{display:block}
  .roi-inputs{display:grid;grid-template-columns:repeat(3,1fr);gap:6px}
  .roi-group{break-inside:avoid;padding:7px 9px;gap:4px;border-radius:8px;align-content:start}
  .roi-group legend{font-size:10pt;margin-bottom:2px}
  .roi-field{gap:0}
  .roi-field-head{gap:2px 6px}
  .roi-field-head label,.roi-switch{font-size:8pt;line-height:1.3}
  .roi-field-row{display:block}
  .roi-num{display:inline-flex;height:auto;border:0;padding:0;background:none;font-size:9pt}
  .roi-num input{width:7ch;flex:none;text-align:left;font-size:9pt;font-weight:700}
  .roi-tag{font-size:6.5pt;padding:0 4px}
  .roi-switch{grid-template-columns:24px 1fr;gap:6px;min-height:0}
  .roi-switch-ui{width:24px;height:14px;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .roi-switch-ui:after{width:10px;height:10px;top:2px;left:2px}
  .roi-switch input:checked+.roi-switch-ui:after{transform:translateX(10px)}
  .roi-results{position:static;margin-top:8px;break-inside:avoid;padding:9px;gap:6px;border-radius:10px}
  .roi-results h2{font-size:11pt}
  .roi-headline{-webkit-print-color-adjust:exact;print-color-adjust:exact;padding:7px 10px;border-radius:8px}
  .roi-headline strong{font-size:18pt}
  .roi-sentence{font-size:8.5pt;margin:0}
  .roi-kpis{grid-template-columns:repeat(4,1fr);gap:6px}
  .roi-kpis li{padding:5px 8px}
  .roi-kpis small{font-size:7.5pt}.roi-kpis strong{font-size:11pt}
  .roi-chart{grid-template-columns:1fr 1fr;gap:12px}
  .roi-chart-row{font-size:8pt}
  .roi-track{height:8px}
  .roi-fill,.roi-kpis li{-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .roi-table-block{margin-top:0;break-before:page;break-inside:avoid;gap:6px}
  .roi-table-block h2{font-size:13pt}
  .roi-table-wrap{overflow:visible}
  #roi-table{font-size:9pt;min-width:0}
  #roi-table th,#roi-table td{padding:5px 8px}
  .roi-fine{font-size:8pt;line-height:1.5}
  .roi-cta{background:none;color:#000}
  .roi-cta-inner{padding:10px 0 0;display:block}
  .roi-cta h2{font-size:12pt}
  .roi-cta p{color:#333;font-size:9pt;margin-top:4px}
  .roi-cta p strong{color:#000}
  .roi-cta .section-label{display:none}
}