/*--------------------------------------------------------------
# Home polish: product tabs, trust bar, stay-safe card
--------------------------------------------------------------*/
@media (max-width: 576px) {
  .tb-product-tabs {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 4px;
    padding: 5px;
  }

  .tb-product-tab {
    padding: 11px 6px;
    font-size: 13.5px;
    white-space: nowrap;
  }

  .tb-tab-long {
    display: none;
  }
}

/* trust bar: a tidy grid, nothing hidden off-screen */
.tb-trust__item span {
  line-height: 1.3;
}

.tb-trust__link {
  text-align: center;
  padding-bottom: 20px;
}

.tb-trust__link a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 700;
  color: var(--insur-primary);
}

.tb-trust__link a i {
  font-size: 10px;
  transition: transform 0.2s ease;
}

.tb-trust__link a:hover i {
  transform: translateX(3px);
}

@media (max-width: 767px) {
  .tb-trust__row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    padding: 18px 0 14px;
    overflow: visible;
  }

  .tb-trust__item {
    align-items: flex-start;
    gap: 10px;
    padding: 12px;
    border: 1px solid var(--insur-bdr-color);
    border-radius: 14px;
    background: var(--insur-extra, #f4f7f2);
    white-space: normal;
    font-size: 12.5px;
  }

  .tb-trust__item i {
    flex: none;
    margin-top: 1px;
    font-size: 14px;
  }

  .tb-trust__link {
    padding-bottom: 18px;
  }
}

@media (max-width: 360px) {
  .tb-trust__row {
    grid-template-columns: 1fr;
  }
}

/* stay safe */
.tb-safety__head {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 20px;
}

.tb-safety__head h3 {
  margin: 4px 0 0;
}

.tb-safety__icon {
  flex: none;
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: var(--insur-primary);
  color: #fff;
  font-size: 19px;
}

.tb-safety__list {
  list-style: none;
  margin: 0 0 22px;
  padding: 0;
  display: grid;
  gap: 12px;
}

.tb-safety__list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 16px;
  background: #fff;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 14px;
}

.tb-safety__list li > i {
  flex: none;
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: rgba(14, 102, 77, 0.1);
  color: var(--insur-primary);
  font-size: 14px;
}

.tb-safety__list p {
  flex: 1;
  min-width: 0;
  margin: 0;
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--insur-black);
  overflow-wrap: anywhere;
}

.tb-safety__link {
  font-weight: 700;
  color: var(--insur-primary);
  text-decoration: underline;
  text-underline-offset: 3px;
  white-space: nowrap;
}

@media (min-width: 992px) {
  .tb-safety__list {
    grid-template-columns: repeat(3, 1fr);
  }

  .tb-safety__list li {
    flex-direction: column;
  }
}

@media (max-width: 576px) {
  .tb-safety {
    padding: 22px 18px;
  }

  .tb-safety__head {
    flex-direction: column;
    gap: 12px;
  }

  .tb-safety__list li {
    padding: 12px 14px;
    gap: 12px;
  }

  .tb-safety__list p {
    font-size: 14px;
  }

  .tb-safety__cta {
    width: 100%;
    justify-content: center;
  }
}

/*--------------------------------------------------------------
# Repayment breakdown: scrolls on touch + slim modern scrollbar
--------------------------------------------------------------*/
.tb-calc__results,
.tb-calc__schedule,
.tb-calc__schedule-body {
  min-width: 0;
  max-width: 100%;
}

.tb-calc__schedule-scroll {
  max-width: 100%;
  overflow: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
  touch-action: pan-x pan-y;
  scrollbar-width: thin;
  scrollbar-color: rgba(14, 102, 77, 0.35) transparent;
}

.tb-calc__schedule-table {
  min-width: 460px;
  white-space: nowrap;
}

.tb-calc__results .tb-calc__schedule-scroll {
  scrollbar-color: rgba(255, 255, 255, 0.35) transparent;
}

.tb-calc__schedule-scroll::-webkit-scrollbar {
  width: 6px;
  height: 6px;
}

.tb-calc__schedule-scroll::-webkit-scrollbar-track {
  background: transparent;
}

.tb-calc__schedule-scroll::-webkit-scrollbar-corner {
  background: transparent;
}

.tb-calc__schedule-scroll::-webkit-scrollbar-thumb {
  background: rgba(14, 102, 77, 0.3);
  border-radius: 999px;
  border: 1px solid transparent;
  background-clip: padding-box;
}

.tb-calc__schedule-scroll::-webkit-scrollbar-thumb:hover {
  background: rgba(14, 102, 77, 0.55);
  background-clip: padding-box;
}

.tb-calc__results .tb-calc__schedule-scroll::-webkit-scrollbar-thumb {
  background: rgba(255, 255, 255, 0.3);
  background-clip: padding-box;
}

.tb-calc__results .tb-calc__schedule-scroll::-webkit-scrollbar-thumb:hover {
  background: rgba(255, 255, 255, 0.55);
  background-clip: padding-box;
}

/*--------------------------------------------------------------
# Trust bar cards: equal height, same design on every screen size
--------------------------------------------------------------*/
.tb-trust__row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  align-items: stretch;
  justify-content: stretch;
  flex-wrap: nowrap;
  overflow: visible;
  padding: 26px 0 18px;
}

.tb-trust__item {
  align-items: center;
  align-content: center;
  gap: 12px;
  height: 100%;
  padding: 16px 18px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 16px;
  background: #fff;
  box-shadow: 0 10px 24px -14px rgba(16, 24, 40, 0.28), 0 2px 6px -2px rgba(16, 24, 40, 0.06);
  white-space: normal;
  font-size: 14px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.tb-trust__item:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 30px -14px rgba(16, 24, 40, 0.34), 0 3px 8px -2px rgba(16, 24, 40, 0.08);
}

.tb-trust__item i {
  flex: none;
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  margin: 0;
  border-radius: 10px;
  background: rgba(14, 102, 77, 0.1);
  font-size: 15px;
}

@media (max-width: 991px) {
  .tb-trust__row {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 767px) {
  .tb-trust__row {
    gap: 10px;
    padding: 18px 0 14px;
  }

  .tb-trust__item {
    align-items: center;
    padding: 12px;
    gap: 10px;
    font-size: 12.5px;
  }

  .tb-trust__item i {
    width: 32px;
    height: 32px;
    margin: 0;
    font-size: 13px;
  }
}

@media (max-width: 360px) {
  .tb-trust__row {
    grid-template-columns: 1fr;
  }
}

/*--------------------------------------------------------------
# Product pages: numbered steps, app features, app band
--------------------------------------------------------------*/
.tb-steps {
  list-style: none;
  margin: 14px 0 0;
  padding: 0;
  display: grid;
  gap: 12px;
  counter-reset: none;
}

.tb-steps li {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 16px 18px;
  background: #fff;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 16px;
  box-shadow: 0 10px 24px -18px rgba(16, 24, 40, 0.28);
}

.tb-steps li::before {
  content: none;
}

.tb-steps__n {
  flex: none;
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--insur-primary);
  color: #fff;
  font-weight: 800;
  font-size: 14px;
}

.tb-steps li > div {
  min-width: 0;
}

.tb-steps li b {
  display: block;
  margin-bottom: 2px;
  font-size: 15.5px;
  color: var(--insur-black);
}

.tb-steps li p {
  margin: 0;
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--insur-gray);
}

.tb-appfeat {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-top: 14px;
}

.tb-appfeat__item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 16px;
  background: #fff;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 14px;
}

.tb-appfeat__ico {
  flex: none;
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  border-radius: 11px;
  background: rgba(14, 102, 77, 0.1);
  color: var(--insur-primary);
  font-size: 15px;
}

.tb-appfeat__item b {
  display: block;
  font-size: 14.5px;
  color: var(--insur-black);
}

.tb-appfeat__item p {
  margin: 2px 0 0;
  font-size: 13.5px;
  line-height: 1.5;
  color: var(--insur-gray);
}

.tb-prod-app {
  margin: 18px 0 0;
}

.tb-prod-app h3 {
  color: #fff;
}

.tb-prod-app p {
  color: rgba(255, 255, 255, 0.85);
}

@media (max-width: 576px) {
  .tb-appfeat {
    grid-template-columns: 1fr;
  }

  .tb-steps li {
    padding: 14px;
    gap: 12px;
  }

  .tb-prod-app {
    padding: 20px;
  }

  .tb-prod-app .tb-oa-app__stores {
    width: 100%;
  }

  .tb-prod-app .tb-store-btn {
    flex: 1 1 100%;
    justify-content: flex-start;
  }
}

/* Phone mockup icons are SVGs so they sit dead-centre in their circles. */
.tb-phone__list i {
  line-height: 0;
}

.tb-phone__list i svg {
  display: block;
  width: 10px;
  height: 10px;
}

/*--------------------------------------------------------------
# Homepage hero: calm white layout, text left, shape mosaic right
--------------------------------------------------------------*/
.tb-hero2 {
  position: relative;
  overflow: hidden;
  padding: clamp(40px, 6vw, 88px) 0;
  background: linear-gradient(180deg, #fbfcf6 0%, #fff 100%);
}

/* one faint circle behind the mosaic, like a watermark */
.tb-hero2::before {
  content: "";
  position: absolute;
  right: -10%;
  top: -24%;
  width: 52vw;
  height: 52vw;
  border-radius: 50%;
  background: #f3f7ec;
}

.tb-hero2 .container {
  position: relative;
  z-index: 1;
}

.tb-hero2__grid {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  align-items: center;
  gap: clamp(28px, 5vw, 72px);
}

.tb-hero2__eyebrow {
  margin: 0 0 18px;
  color: var(--insur-black);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.tb-hero2__title {
  margin: 0 0 20px;
  font-family: var(--tb-font-display);
  font-size: clamp(2.2rem, 4.2vw, 3.4rem);
  line-height: 1.12;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--insur-black);
  text-wrap: balance;
}

.tb-hero2__text {
  max-width: 44ch;
  margin: 0;
  font-size: 17px;
  line-height: 1.7;
  color: var(--insur-gray);
}

.tb-hero2__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 32px;
}

/*--------------------------------------------------------------
# Mosaic: three columns of rounded tiles; the phone is the tall centre
--------------------------------------------------------------*/
.tb-hero2__stage {
  display: grid;
  grid-template-columns: 2.1fr 1fr;
  grid-template-rows: 1.31fr 1fr 1.31fr;
  gap: 8px;
  width: 100%;
  max-width: 480px;
  aspect-ratio: 480 / 560;
  margin-left: auto;
}

.hm {
  position: relative;
  min-width: 0;
  min-height: 0;
  overflow: hidden;
}

.hm > img,
.hm picture,
.hm picture img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hm-d { grid-area: 1 / 2; border-radius: 999px 999px 999px 14px; background: var(--insur-base); }
.hm-e { grid-area: 2 / 2 / 4; border-radius: 999px; }

.hm-main {
  grid-area: 1 / 1 / 4;
  display: grid;
  place-items: center;
  border-radius: 56px;
  overflow: visible;
}

.tb-hero2__phone {
  width: 80%;
  container-type: inline-size;
  filter: drop-shadow(0 24px 30px rgba(10, 46, 34, 0.25));
}

/* phone frame */
.tb-phone {
  position: relative;
  aspect-ratio: 9 / 18.4;
  padding: 9px;
  border-radius: 40px;
  background: linear-gradient(155deg, #26302c, #0b1110 60%);
  box-shadow: inset 0 0 0 2px #46524c, inset 0 0 0 4px rgba(255, 255, 255, 0.05);
}

.tb-phone__notch {
  position: absolute;
  z-index: 7;
  left: 50%;
  top: 14px;
  width: 30%;
  height: 16px;
  transform: translateX(-50%);
  border-radius: 999px;
  background: #0b1110;
}

.tb-phone::before,
.tb-phone::after {
  content: "";
  position: absolute;
  right: -3px;
  width: 3px;
  border-radius: 0 3px 3px 0;
  background: #46524c;
}

.tb-phone::before {
  top: 22%;
  height: 11%;
}

.tb-phone::after {
  top: 36%;
  height: 7%;
}

@media (max-width: 991px) {
  .tb-hero2__grid {
    grid-template-columns: 1fr;
  }

  .tb-hero2__stage {
    max-width: 480px;
    margin-inline: auto;
  }
}

/* small screens: just the phone tile, nothing squeezed */
@media (max-width: 575px) {
  .tb-hero2__stage {
    display: block;
    aspect-ratio: auto;
  }

  .hm:not(.hm-main) {
    display: none;
  }

  .hm-main {
    padding: 28px 0;
    border-radius: 40px;
  }

  .tb-hero2__phone {
    width: min(250px, 66vw);
  }

  .tb-hero2__actions .tb-btn {
    flex: 1 1 100%;
    justify-content: center;
  }
}

/*--------------------------------------------------------------
# Phone screen. Sized in em (scales with the phone) and styled
to match the real Thrive app.
--------------------------------------------------------------*/
.hp {
  position: relative;
  height: 100%;
  overflow: hidden;
  border-radius: 32px;
  background: #f3f7f5;
  font-size: 11px;
  font-size: 4.4cqw;
  line-height: 1.35;
  color: #1a1d21;
}

.hp svg {
  width: 1.2em;
  height: 1.2em;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.hp small {
  display: block;
  color: #6b7480;
  font-size: 0.8em;
  font-weight: 500;
}

.hp-status {
  position: absolute;
  inset: 0 0 auto;
  z-index: 6;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.95em 1.7em 0;
  font-size: 0.78em;
}

.hp-batt {
  width: 1.9em;
  height: 0.9em;
  padding: 1px;
  border: 1.5px solid #1a1d21;
  border-radius: 0.3em;
  background: linear-gradient(90deg, #1a1d21 70%, transparent 70%) content-box;
}

.hp-scene {
  position: absolute;
  inset: 0;
  display: none;
  flex-direction: column;
  gap: 0.8em;
  padding: 3.1em 1.1em 1.1em;
}

.hp-scene.on {
  display: flex;
  animation: hp-scene 0.35s ease both;
}

.hp-scene.hp-home {
  padding-bottom: 5.6em;
}

/* splash */
.hp-splash {
  align-items: center;
  justify-content: center;
  gap: 1.6em;
  padding: 0;
  background: #fff;
}

.hp-splash.on .hp-splash__logo {
  animation: hp-pop 0.8s cubic-bezier(0.2, 0.9, 0.3, 1.2) both;
}

.hp-splash__logo {
  width: 58%;
  height: auto;
}

.hp-splash__bar {
  width: 34%;
  height: 0.3em;
  overflow: hidden;
  border-radius: 999px;
  background: #e3ebd6;
}

.hp-splash__bar i {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: var(--insur-primary);
  transform-origin: left;
  transform: scaleX(0);
}

.hp-splash.on .hp-splash__bar i {
  animation: hp-grow 1.6s 0.6s cubic-bezier(0.3, 0.7, 0.3, 1) both;
}

/* sign in */
.hp-back {
  display: grid;
  place-items: center;
  width: 2.5em;
  height: 2.5em;
  border-radius: 50%;
  background: #e9efec;
}

.hp-back svg {
  width: 1.1em;
  height: 1.1em;
}

.hp-who {
  display: grid;
  justify-items: center;
  gap: 0.15em;
  margin-top: 0.4em;
  text-align: center;
}

.hp-who__av {
  display: grid;
  place-items: center;
  width: 4.4em;
  height: 4.4em;
  margin-bottom: 0.7em;
  border-radius: 50%;
  background: #e4eeea;
  color: var(--insur-primary);
  font-size: 1.1em;
  font-weight: 700;
}

.hp-who b {
  font-size: 1.2em;
}

.hp-who em {
  font-style: normal;
  color: #6b7480;
  font-size: 0.68em;
  letter-spacing: 0.02em;
}

.hp-pw {
  margin-top: 0.7em;
}

.hp-pw small {
  margin-bottom: 0.35em;
  color: #1a1d21;
  font-weight: 600;
}

.hp-pw__box {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 3em;
  padding: 0 0.9em;
  border: 1.5px solid #dde4df;
  border-radius: 999px;
  background: #fff;
  color: #6b7480;
  letter-spacing: 0.12em;
}

.hp-scene.on .hp-pw__box {
  animation: hp-focus var(--fd, 1s) var(--ft, 0s) both;
}

.hp-link {
  display: block;
  margin-top: 0.5em;
  color: var(--insur-primary);
  font-size: 0.8em;
  font-weight: 600;
  text-align: right;
}

.hp-bio {
  display: grid;
  justify-items: center;
  gap: 0.4em;
  margin-top: 0.4em;
  color: var(--insur-primary);
  font-size: 0.85em;
}

.hp-bio span {
  display: grid;
  place-items: center;
  width: 3.6em;
  height: 3.6em;
  border-radius: 50%;
  background: #e4eeea;
}

.hp-bio svg {
  width: 1.7em;
  height: 1.7em;
  stroke-width: 2.6;
}

.hp-btn {
  position: relative;
  margin-top: auto;
  padding: 0.95em;
  border-radius: 999px;
  background: var(--insur-primary);
  color: #fff;
  text-align: center;
  font-weight: 600;
}

.hp-spin {
  position: absolute;
  inset: 0;
  margin: auto;
  width: 1.4em;
  height: 1.4em;
  border: 0.2em solid rgba(255, 255, 255, 0.35);
  border-top-color: #fff;
  border-radius: 50%;
  opacity: 0;
}

.hp-switch {
  margin-top: 0.1em;
  color: #6b7480;
  font-size: 0.8em;
  text-align: center;
}

.hp-switch b {
  color: var(--insur-primary);
}

/* home */
.hp-hello {
  display: flex;
  align-items: center;
  gap: 0.7em;
}

.hp-hello .hp-who__av {
  width: 2.7em;
  height: 2.7em;
  margin: 0;
  background: var(--insur-primary);
  color: #fff;
  font-size: 0.85em;
}

.hp-hello div {
  display: grid;
}

.hp-hello b {
  font-size: 1.1em;
}

.hp-bal {
  padding: 1em 1.05em;
  border-radius: 1.3em;
  background: linear-gradient(135deg, #064a36, #057450);
  color: #fff;
}

.hp-bal small {
  color: rgba(255, 255, 255, 0.78);
}

.hp-bal__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}

.hp-acct svg {
  width: 1em;
  height: 1em;
  margin-left: 0.2em;
  vertical-align: -0.15em;
}

.hp-eye {
  display: grid;
  place-items: center;
  width: 2.3em;
  height: 2.3em;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.14);
}

.hp-eye svg {
  width: 1.1em;
  height: 1.1em;
}

.hp-amt {
  display: block;
  margin: 0.7em 0 0.8em;
  font-size: 1.65em;
  line-height: 1.1;
  letter-spacing: -0.01em;
}

.hp-bal__btns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5em;
}

.hp-bal__btns span {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4em;
  padding: 0.65em 0;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.16);
  font-size: 0.82em;
  font-weight: 600;
}

.hp-bal__btns svg {
  width: 1.1em;
  height: 1.1em;
}

.hp-bal__btns .on {
  background: #bfc53f;
  color: #1d2a10;
}

.hp-sec {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-top: 0.3em;
}

.hp-sec b {
  font-size: 1em;
}

.hp-sec a {
  color: var(--insur-primary);
  font-size: 0.8em;
  font-weight: 600;
}

.hp-list {
  list-style: none;
  margin: 0;
  padding: 0.1em 0.85em;
  border-radius: 1.15em;
  background: #fff;
}

.hp-list li {
  display: flex;
  align-items: center;
  gap: 0.7em;
  padding: 0.7em 0;
}

.hp-list li + li {
  border-top: 1px solid #e6ebe8;
}

.hp-list li > div:nth-child(2) {
  display: grid;
  flex: 1;
  min-width: 0;
}

.hp-list b {
  overflow: hidden;
  font-size: 0.88em;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.hp-list small {
  font-size: 0.7em;
}

.hp-list i {
  display: grid;
  place-items: center;
  flex: none;
  width: 2.3em;
  height: 2.3em;
  border-radius: 50%;
  background: #e8f0ec;
  color: var(--insur-primary);
}

.hp-list i svg {
  width: 1em;
  height: 1em;
  stroke-width: 2.4;
}

.hp-list__amt {
  display: grid;
  justify-items: end;
}

.hp-list b.pos {
  color: #0f9d6a;
}

.hp-list small.ok {
  color: #1aa57a;
}

/* bottom nav, like the app: a pill with a filled active item */
.hp-nav {
  position: absolute;
  inset: auto 0.8em 0.9em;
  z-index: 5;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  align-items: center;
  padding: 0.35em;
  border: 1px solid #dde4df;
  border-radius: 999px;
  background: #fff;
  opacity: 0;
  transform: translateY(1em);
  transition: opacity 0.3s ease, transform 0.3s ease;
}

.hp[data-tab="home"] .hp-nav {
  opacity: 1;
  transform: none;
}

.hp-nav span {
  display: grid;
  justify-items: center;
  gap: 0.12em;
  padding: 0.45em 0;
  border-radius: 999px;
  color: #6b7480;
  font-size: 0.56em;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.hp-nav svg {
  width: 2em;
  height: 2em;
}

.hp-nav .on {
  background: var(--insur-primary);
  color: #fff;
}

/* cursor */
.hp-cur {
  position: absolute;
  z-index: 8;
  width: 0;
  height: 0;
  opacity: 0;
  pointer-events: none;
}

.hp-cur i {
  position: absolute;
  left: 0;
  top: 0;
  width: 15px;
  height: 22px;
  background: #0f172a;
  clip-path: polygon(0 0, 0 100%, 30% 76%, 52% 100%, 68% 91%, 46% 66%, 82% 66%);
  filter: drop-shadow(0 1px 0 #fff);
}

.hp-cur b {
  position: absolute;
  left: -14px;
  top: -14px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(var(--insur-primary-rgb), 0.45);
  opacity: 0;
}

/* animation: only plays while the scene is on, so every loop starts clean */
.hp-in,
.hp-type {
  opacity: 0;
}

.hp-type {
  display: inline-block;
}

.hp-scene.on .hp-in {
  animation: hp-in 0.45s var(--at, 0s) both;
}

.hp-scene.on .hp-type {
  opacity: 1;
  animation: hp-type var(--dur, 1s) steps(var(--n, 12)) var(--at, 0s) both;
}

.hp-scene.on .hp-btn {
  animation: hp-in 0.45s var(--at, 0s) both, hp-press 0.3s var(--c, 99s);
}

.hp-scene.on .hp-btn__text {
  animation: hp-out 0.2s var(--c, 99s) forwards;
}

.hp-scene.on .hp-spin {
  animation: hp-show 0.2s var(--c, 99s) forwards, hp-rotate 0.8s var(--c, 99s) linear infinite;
}

.hp-scene.on .hp-cur {
  animation: hp-arrive 1.2s var(--at, 0s) both, hp-out 0.3s var(--out, 999s) forwards;
}

.hp-scene.on .hp-cur b {
  animation: hp-ring 0.5s var(--c, 99s) both;
}

@keyframes hp-scene {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes hp-in {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: none; }
}

@keyframes hp-type {
  from { clip-path: inset(0 100% 0 0); }
  to { clip-path: inset(0 0 0 0); }
}

@keyframes hp-grow {
  from { transform: scaleX(0); }
  to { transform: scaleX(1); }
}

@keyframes hp-pop {
  from { opacity: 0; transform: scale(0.7); }
  to { opacity: 1; transform: scale(1); }
}

@keyframes hp-focus {
  0%, 100% { border-color: #dde4df; box-shadow: none; }
  12%, 88% { border-color: var(--insur-primary); box-shadow: 0 0 0 0.3em rgba(14, 102, 77, 0.14); }
}

@keyframes hp-arrive {
  0% { opacity: 0; transform: translate(70px, 60px); }
  20% { opacity: 1; }
  100% { opacity: 1; transform: translate(0, 0); }
}

@keyframes hp-out {
  to { opacity: 0; visibility: hidden; }
}

@keyframes hp-show {
  to { opacity: 1; }
}

@keyframes hp-rotate {
  to { transform: rotate(360deg); }
}

@keyframes hp-ring {
  0% { opacity: 0.9; transform: scale(0.3); }
  100% { opacity: 0; transform: scale(2.2); }
}

@keyframes hp-press {
  50% { transform: scale(0.96); }
}

@keyframes hp-float {
  0%, 100% { translate: 0 0; }
  50% { translate: 0 -9px; }
}


@media (prefers-reduced-motion: reduce) {
  .hp-scene.on * {
    animation-duration: 0.01s !important;
    animation-delay: 0s !important;
  }

  .hp-cur {
    display: none;
  }
}

/*--------------------------------------------------------------
# Home sections: one alignment rule set
--------------------------------------------------------------*/
.tb-quick-card {
  align-items: flex-start;
  min-height: 112px;
}

.tb-quick-card > div:last-child {
  display: grid;
  gap: 4px;
  min-width: 0;
}

.tb-quick-card__title {
  margin: 0;
}

.tb-resource-card {
  display: flex;
  flex-direction: column;
  height: 100%;
}

.tb-resource-card__body {
  display: flex;
  flex: 1;
  flex-direction: column;
}

.tb-resource-card__more {
  margin-top: auto;
  padding-top: 14px;
}

.tb-cta__body {
  gap: 0;
}

.tb-safety {
  background: #fff;
  border: 1px solid var(--insur-bdr-color);
}

.tb-app-promo__title {
  text-wrap: balance;
}

/*--------------------------------------------------------------
# Assurance strip: one calm line under the hero
--------------------------------------------------------------*/
.tb-assure {
  background: #fff;
  border-top: 1px solid var(--insur-bdr-color);
  border-bottom: 1px solid var(--insur-bdr-color);
}

.tb-assure .container {
  display: flex;
  align-items: center;
  gap: 24px;
}

.tb-assure__list {
  display: grid;
  flex: 1;
  grid-template-columns: repeat(4, 1fr);
  margin: 0;
  padding: 0;
  list-style: none;
}

.tb-assure__list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 22px 20px;
  font-size: 14.5px;
  font-weight: 600;
  line-height: 1.3;
  color: var(--insur-black);
}

.tb-assure__list li + li {
  border-left: 1px solid var(--insur-bdr-color);
}

.tb-assure__list i {
  flex: none;
  width: 20px;
  text-align: center;
  font-size: 17px;
  color: var(--insur-base);
}

.tb-assure__link {
  flex: none;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--insur-primary);
  white-space: nowrap;
}

.tb-assure__link i {
  margin-left: 4px;
  font-size: 11px;
  transition: transform 0.2s ease;
}

.tb-assure__link:hover i {
  transform: translateX(3px);
}

@media (max-width: 1199px) {
  .tb-assure .container {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .tb-assure__link {
    align-self: center;
    padding-bottom: 18px;
  }
}

@media (max-width: 767px) {
  .tb-assure__list {
    grid-template-columns: 1fr 1fr;
  }

  .tb-assure__list li {
    padding: 16px 12px;
    font-size: 13px;
  }

  .tb-assure__list li:nth-child(odd) {
    border-left: 0;
  }

  .tb-assure__list li:nth-child(n + 3) {
    border-top: 1px solid var(--insur-bdr-color);
  }
}

/*--------------------------------------------------------------
# Tools: four equal cards, same anatomy each
--------------------------------------------------------------*/
.tb-tools {
  padding: 80px 0;
}

.tb-tools .tb-head-row {
  margin-bottom: 40px;
}

.tb-tools__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.tb-tool {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 28px 24px 24px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 20px;
  background: #fff;
  color: inherit;
  text-decoration: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

.tb-tool:hover {
  border-color: var(--insur-base);
  box-shadow: 0 18px 36px -24px rgba(16, 24, 40, 0.35);
  transform: translateY(-3px);
}

.tb-tool__icon {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  margin-bottom: 22px;
  border-radius: 14px;
  background: rgba(var(--insur-primary-rgb), 0.08);
  color: var(--insur-primary);
  font-size: 24px;
}

.tb-tool__title {
  margin: 0 0 8px;
  font-size: 18px;
  line-height: 1.3;
  color: var(--insur-black);
}

.tb-tool__text {
  flex: 1;
  margin: 0 0 22px;
  font-size: 14.5px;
  line-height: 1.6;
  color: var(--insur-gray);
}

.tb-tool__go {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 50%;
  color: var(--insur-primary);
  font-size: 13px;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.tb-tool:hover .tb-tool__go {
  border-color: var(--insur-primary);
  background: var(--insur-primary);
  color: #fff;
}

@media (max-width: 991px) {
  .tb-tools__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 575px) {
  .tb-tools {
    padding: 56px 0;
  }

  .tb-tools__grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .tb-tool {
    padding: 22px 20px;
  }
}

.tb-tools .tb-head-row {
  gap: 6px;
}

.tb-tools .tb-heading,
.tb-tools .tb-eyebrow {
  margin-bottom: 0;
}

/*--------------------------------------------------------------
# Home sections, redesigned: one calm language
White and soft olive-tint bands alternate; rounded 20-32px shapes;
thin borders instead of heavy shadows.
--------------------------------------------------------------*/
.tb-tint {
  background: #f6f8f1;
}

.tb-products,
.tb-why,
.tb-voices,
.tb-resources {
  padding: 80px 0;
}

/* ---- Products ---- */
.tb-products .tb-product-tabs {
  display: flex;
  justify-content: center;
  gap: 4px;
  width: fit-content;
  max-width: 100%;
  margin: 0 auto 32px;
  padding: 5px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 999px;
  background: #fff;
}

.tb-products .tb-product-tab {
  padding: 10px 24px;
  border: 0;
  border-radius: 999px;
  background: none;
  color: var(--insur-gray);
  font-size: 14.5px;
  font-weight: 600;
  transition: background 0.2s ease, color 0.2s ease;
}

.tb-products .tb-product-tab.active {
  background: var(--tb-brand-dark);
  color: #fff;
}

.tb-products .tab-content {
  margin-top: 0 !important;
}

.tb-products .tb-product-featured {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  align-items: stretch;
  overflow: hidden;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 28px;
  background: #fff;
  box-shadow: none;
  color: inherit;
  text-decoration: none;
}

.tb-products .tb-product-featured__img {
  min-height: 340px;
  padding: 14px;
}

.tb-products .tb-product-featured__img img {
  display: block;
  width: 100%;
  height: 100%;
  border-radius: 20px;
  object-fit: cover;
  object-position: 50% 20%;
}

.tb-products .tb-product-featured__body {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  padding: clamp(28px, 4vw, 52px);
}

.tb-products .tb-product-featured__tag {
  margin-bottom: 12px;
  color: var(--insur-base);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.tb-products .tb-product-featured__title {
  margin: 0 0 12px;
  font-size: clamp(1.5rem, 2.6vw, 2rem);
}

.tb-products .tb-product-featured__text {
  max-width: 46ch;
  margin: 0 0 26px;
  font-size: 16px;
  line-height: 1.7;
  color: var(--insur-gray);
}

.tb-products .tb-product-support-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 16px;
}

.tb-products .tb-product-support-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 18px;
  background: #fff;
  box-shadow: none;
  color: inherit;
  text-decoration: none;
  transition: border-color 0.2s ease, transform 0.2s ease;
}

.tb-products .tb-product-support-card:hover {
  border-color: var(--insur-base);
  transform: translateY(-2px);
}

.tb-products .tb-product-support-card__icon {
  display: grid;
  flex: none;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 14px;
  background: rgba(var(--insur-primary-rgb), 0.08);
  color: var(--insur-primary);
  font-size: 18px;
}

.tb-products .tb-product-support-card__title {
  margin: 0 0 2px;
  font-size: 15.5px;
  font-weight: 700;
  color: var(--insur-black);
}

.tb-products .tb-product-support-card__link {
  font-size: 13px;
  font-weight: 700;
  color: var(--insur-primary);
}

.tb-products .tb-product-lending-note {
  margin-top: 24px;
  text-align: center;
}

/* ---- Our promise ---- */
.tb-promise {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  overflow: hidden;
  padding: clamp(28px, 4vw, 48px) clamp(24px, 5vw, 60px);
  border-radius: 28px;
  background: #eaf1d3;
}

.tb-promise::before {
  content: "";
  position: absolute;
  right: -70px;
  top: -90px;
  width: 280px;
  height: 280px;
  border-radius: 50%;
  background: rgba(166, 182, 70, 0.3);
}

.tb-promise__text,
.tb-promise .tb-btn {
  position: relative;
  z-index: 1;
}

.tb-promise__eyebrow {
  display: block;
  margin-bottom: 10px;
  color: var(--insur-primary);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.tb-promise__title {
  max-width: 24ch;
  margin: 0;
  font-size: clamp(1.4rem, 2.8vw, 2rem);
  line-height: 1.25;
  color: var(--insur-black);
  text-wrap: balance;
}

/* ---- Why Thrive ---- */
.tb-why__grid {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  align-items: center;
  gap: clamp(32px, 6vw, 88px);
}

.tb-why__intro .tb-sub {
  max-width: 40ch;
  margin-bottom: 28px;
}

.tb-why__list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.tb-why__list li {
  display: flex;
  gap: 20px;
  padding: 26px 0;
  border-bottom: 1px solid var(--insur-bdr-color);
}

.tb-why__list li:first-child {
  padding-top: 0;
}

.tb-why__list li:last-child {
  padding-bottom: 0;
  border-bottom: 0;
}

.tb-why__icon {
  display: grid;
  flex: none;
  place-items: center;
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: rgba(var(--insur-primary-rgb), 0.08);
  color: var(--insur-primary);
  font-size: 20px;
}

.tb-why__list h3 {
  margin: 4px 0 6px;
  font-size: 18px;
}

.tb-why__list p {
  max-width: 52ch;
  margin: 0;
  font-size: 15px;
  line-height: 1.65;
  color: var(--insur-gray);
}

/* ---- Get the app ---- */
.tb-getapp {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 0.85fr);
  align-items: center;
  gap: 24px;
  overflow: hidden;
  padding: clamp(32px, 5vw, 64px);
  border-radius: 32px;
  background: linear-gradient(135deg, #0b3326, #072319);
}

.tb-getapp__eyebrow {
  display: block;
  margin-bottom: 12px;
  color: var(--insur-base);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.tb-getapp__title {
  margin: 0 0 14px;
  max-width: 16ch;
  font-size: clamp(1.8rem, 3.4vw, 2.6rem);
  line-height: 1.15;
  color: #fff;
  text-wrap: balance;
}

.tb-getapp__copy {
  max-width: 38ch;
  margin: 0 0 28px;
  font-size: 16px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.78);
}

.tb-getapp__stores {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.tb-getapp__art {
  justify-self: end;
  width: min(100%, 400px);
  margin: -40px -20px -70px 0;
}

.tb-getapp__art img {
  display: block;
  width: 100%;
  height: auto;
  filter: drop-shadow(0 24px 28px rgba(0, 0, 0, 0.35));
}

/* ---- Testimonials ---- */
.tb-voices .tb-tcard {
  height: 100%;
  padding: 28px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 24px;
  background: #fff;
  box-shadow: none;
}

.tb-voices .tb-tcard::before {
  display: none;
}

.tb-voices .tb-tcard__text {
  font-size: 16px;
  line-height: 1.7;
}

/* ---- Stay safe ---- */
.tb-safe {
  padding: clamp(24px, 3.4vw, 36px);
  border: 1px solid var(--insur-bdr-color);
  border-radius: 28px;
  background: #fff;
}

.tb-safe__head {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 18px;
}

.tb-safe__icon {
  display: grid;
  flex: none;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 16px;
  background: var(--insur-primary);
  color: #fff;
  font-size: 20px;
}

.tb-safe__title {
  flex: 1;
  min-width: 240px;
}

.tb-safe__title .tb-eyebrow {
  margin-bottom: 4px;
}

.tb-safe__title h3 {
  margin: 0;
  font-size: clamp(1.1rem, 2vw, 1.35rem);
}

.tb-safe__list {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 26px 0 0;
  padding: 0;
  list-style: none;
}

.tb-safe__list li {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 20px;
  border-radius: 18px;
  background: #f6f8f1;
}

.tb-safe__list i {
  color: var(--insur-primary);
  font-size: 18px;
}

.tb-safe__list p {
  margin: 0;
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--insur-black);
}

.tb-safe__link {
  font-weight: 700;
  color: var(--insur-primary);
  text-decoration: underline;
  text-underline-offset: 3px;
}

/* ---- Resources ---- */
.tb-resources .tb-resource-card {
  overflow: hidden;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 22px;
  background: #fff;
  box-shadow: none;
  transition: transform 0.2s ease, border-color 0.2s ease;
}

.tb-resources .tb-resource-card:hover {
  border-color: var(--insur-base);
  transform: translateY(-3px);
}

.tb-resources .tb-resource-card__img img {
  display: block;
  width: 100%;
  height: 220px;
  object-fit: cover;
}

.tb-resources__more {
  margin-top: 44px;
  text-align: center;
}

/* ---- responsive ---- */
@media (max-width: 991px) {
  .tb-why__grid,
  .tb-getapp {
    grid-template-columns: 1fr;
  }

  .tb-products .tb-product-featured {
    grid-template-columns: 1fr;
  }

  .tb-products .tb-product-featured__img {
    min-height: 260px;
  }

  .tb-products .tb-product-support-grid,
  .tb-safe__list {
    grid-template-columns: 1fr;
  }

  .tb-getapp__art {
    justify-self: center;
    width: min(100%, 320px);
    margin: 0 0 -60px;
  }

  .tb-promise {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 575px) {
  .tb-products,
  .tb-why,
  .tb-voices,
  .tb-resources {
    padding: 56px 0;
  }

  .tb-products .tb-product-tab {
    padding: 9px 14px;
    font-size: 13.5px;
  }

  .tb-safe__head .tb-btn {
    width: 100%;
    justify-content: center;
  }
}

.tb-products .tb-product-featured__img {
  flex: none;
  max-width: none;
  width: auto;
}

.tb-resources .tb-resource-card__tag {
  align-self: flex-start;
}

.tb-resources .tb-resource-card__more {
  color: var(--insur-primary);
}

.tb-getapp__art {
  width: min(100%, 470px);
  margin: -56px -10px -90px 0;
}

@media (max-width: 991px) {
  .tb-getapp__art {
    width: min(100%, 340px);
    margin: 0 0 -60px;
  }
}

.tb-products .tb-product-featured__img {
  height: 380px;
  min-height: 0;
}

@media (max-width: 991px) {
  .tb-products .tb-product-featured__img {
    height: 280px;
  }
}

/*--------------------------------------------------------------
# Shared call-to-action band copy (also used by the footer CTA)
--------------------------------------------------------------*/
.tb-promise__copy {
  max-width: 46ch;
  margin: 10px 0 0;
  font-size: 16px;
  line-height: 1.65;
  color: var(--insur-gray);
}

.tb-promise__copy a {
  font-weight: 700;
  color: var(--insur-primary);
  white-space: nowrap;
}

/*--------------------------------------------------------------
# Company page
--------------------------------------------------------------*/
.tb-about-hero {
  position: relative;
  overflow: hidden;
  padding: 28px 0 clamp(48px, 6vw, 84px);
  background: linear-gradient(180deg, #fbfcf6 0%, #fff 100%);
}

.tb-about-hero::before {
  content: "";
  position: absolute;
  right: -10%;
  top: -30%;
  width: 46vw;
  height: 46vw;
  border-radius: 50%;
  background: #f3f7ec;
}

.tb-about-hero .container {
  position: relative;
  z-index: 1;
}

.tb-about-hero .tb-crumbs {
  margin-bottom: clamp(28px, 4vw, 56px);
}

.tb-about-hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
  align-items: center;
  gap: clamp(28px, 5vw, 72px);
}

.tb-about-hero__title {
  margin: 0 0 20px;
  font-family: var(--tb-font-display);
  font-size: clamp(2.1rem, 4vw, 3.2rem);
  line-height: 1.12;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--insur-black);
  text-wrap: balance;
}

.tb-about-hero__text {
  max-width: 50ch;
  margin: 0;
  font-size: 17px;
  line-height: 1.7;
  color: var(--insur-gray);
}

/* at a glance: three big facts */
.tb-about-facts {
  display: grid;
  gap: 14px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.tb-about-facts li {
  display: flex;
  align-items: center;
  gap: 22px;
  padding: 22px 26px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 22px;
  background: #fff;
}

.tb-about-facts li:nth-child(2) {
  margin-left: clamp(0px, 4vw, 40px);
}

.tb-about-facts b {
  flex: none;
  min-width: 3.2em;
  font-family: var(--tb-font-display);
  font-size: 2rem;
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--insur-primary);
}

.tb-about-facts span {
  font-size: 15px;
  line-height: 1.5;
  color: var(--insur-gray);
}

/* vision and mission */
.tb-vm {
  padding: 72px 0;
}

.tb-vm__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.tb-vm__card {
  display: flex;
  flex-direction: column;
  gap: 18px;
  padding: clamp(26px, 3.4vw, 40px);
  border: 1px solid var(--insur-bdr-color);
  border-radius: 26px;
  background: #fff;
}

.tb-vm__card--wide {
  margin-top: 20px;
}

.tb-vm__icon {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 16px;
  background: rgba(var(--insur-primary-rgb), 0.08);
  color: var(--insur-primary);
  font-size: 20px;
}

.tb-vm__body h2,
.tb-vm__body h3 {
  margin: 0 0 10px;
  font-size: clamp(1.4rem, 2.4vw, 1.75rem);
  line-height: 1.25;
}

.tb-vm__body p {
  margin: 0 0 12px;
  font-size: 16px;
  line-height: 1.75;
  color: var(--insur-gray);
}

.tb-vm__body p:last-child {
  margin-bottom: 0;
}

/* story */
.tb-journey {
  padding: 80px 0;
}

.tb-journey__steps {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 900px;
  margin: 0 auto;
  padding: 0;
  list-style: none;
}

.tb-journey__steps li {
  padding: 30px 32px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 24px;
  background: #fff;
}

.tb-journey__when {
  display: inline-block;
  margin-bottom: 14px;
  padding: 5px 14px;
  border-radius: 999px;
  background: var(--tb-brand-dark);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.tb-journey__steps h3 {
  margin: 0 0 8px;
  font-size: 20px;
}

.tb-journey__steps p {
  margin: 0;
  font-size: 15px;
  line-height: 1.7;
  color: var(--insur-gray);
}

/* licence: key facts in tiles */
.tb-licence {
  padding: 80px 0;
}

.tb-facts {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
  margin: 0;
}

.tb-facts > div {
  grid-column: span 2;
  padding: 24px 26px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 20px;
  background: #fff;
}

.tb-facts > div:nth-child(n + 4) {
  grid-column: span 3;
}

.tb-facts dt {
  margin: 0 0 8px;
  color: var(--insur-base);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.tb-facts dd {
  margin: 0;
  font-size: 16px;
  font-weight: 600;
  line-height: 1.5;
  color: var(--insur-black);
}

/* leadership */
.tb-team-sec {
  padding: 80px 0;
}

@media (max-width: 991px) {
  .tb-about-hero__grid,
  .tb-vm__grid,
  .tb-journey__steps {
    grid-template-columns: 1fr;
  }

  .tb-about-facts li:nth-child(2) {
    margin-left: 0;
  }

  .tb-facts {
    grid-template-columns: 1fr 1fr;
  }

  .tb-facts > div,
  .tb-facts > div:nth-child(n + 4) {
    grid-column: auto;
  }
}

@media (max-width: 575px) {
  .tb-vm,
  .tb-journey,
  .tb-licence,
  .tb-team-sec {
    padding: 52px 0;
  }

  .tb-facts {
    grid-template-columns: 1fr;
  }

  .tb-about-facts li {
    padding: 18px 20px;
  }

  .tb-about-hero .tb-hero2__actions .tb-btn {
    flex: 1 1 100%;
    justify-content: center;
  }
}

/*--------------------------------------------------------------
# Shared inner-page header (careers, resources, stories, articles)
--------------------------------------------------------------*/
.tb-pghero {
  position: relative;
  overflow: hidden;
  padding: 28px 0 clamp(40px, 5vw, 68px);
  background: linear-gradient(180deg, #fbfcf6 0%, #fff 100%);
}

.tb-pghero::before {
  content: "";
  position: absolute;
  right: -8%;
  top: -40%;
  width: 40vw;
  height: 40vw;
  border-radius: 50%;
  background: #f3f7ec;
}

.tb-pghero .container {
  position: relative;
  z-index: 1;
}

.tb-pghero .tb-crumbs {
  margin-bottom: clamp(24px, 3.4vw, 44px);
}

.tb-pghero__body {
  max-width: 760px;
}

.tb-pghero__title {
  margin: 0 0 16px;
  font-family: var(--tb-font-display);
  font-size: clamp(2rem, 3.8vw, 3rem);
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--insur-black);
  text-wrap: balance;
}

.tb-pghero__text {
  max-width: 52ch;
  margin: 0;
  font-size: 17px;
  line-height: 1.7;
  color: var(--insur-gray);
}

.tb-pghero__extra {
  margin-top: 26px;
}

.tb-pghero__stats,
.tb-pghero__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.tb-pghero__stats li {
  display: flex;
  align-items: baseline;
  gap: 10px;
  padding: 12px 20px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 999px;
  background: #fff;
}

.tb-pghero__stats b {
  font-family: var(--tb-font-display);
  font-size: 1.5rem;
  line-height: 1;
  color: var(--insur-primary);
}

.tb-pghero__stats span {
  font-size: 14px;
  color: var(--insur-gray);
}

.tb-pghero__meta li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--insur-gray);
}

.tb-pghero__meta i {
  color: var(--insur-base);
}

/*--------------------------------------------------------------
# Licence: credentials panel
--------------------------------------------------------------*/
.tb-licence {
  padding: 80px 0;
}

.tb-cred {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  align-items: center;
  gap: clamp(28px, 5vw, 72px);
  padding: clamp(32px, 5vw, 60px);
  border-radius: 32px;
  background: linear-gradient(135deg, #0b3326, #072319);
  color: #fff;
}

.tb-cred__icon {
  display: grid;
  place-items: center;
  width: 56px;
  height: 56px;
  margin-bottom: 22px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.1);
  color: var(--insur-base);
  font-size: 22px;
}

.tb-cred__eyebrow {
  display: block;
  margin-bottom: 10px;
  color: var(--insur-base);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.tb-cred__title {
  margin: 0 0 12px;
  font-size: clamp(1.7rem, 3vw, 2.3rem);
  line-height: 1.15;
  color: #fff;
}

.tb-cred__text {
  max-width: 32ch;
  margin: 0;
  font-size: 16px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.75);
}

.tb-cred__list {
  margin: 0;
}

.tb-cred__list > div {
  display: grid;
  grid-template-columns: minmax(120px, 0.38fr) 1fr;
  gap: 20px;
  padding: 18px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}

.tb-cred__list > div:first-child {
  padding-top: 0;
}

.tb-cred__list > div:last-child {
  padding-bottom: 0;
  border-bottom: 0;
}

.tb-cred__list dt {
  margin: 0;
  color: rgba(255, 255, 255, 0.6);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.tb-cred__list dd {
  margin: 0;
  font-size: 16px;
  font-weight: 600;
  line-height: 1.5;
  color: #fff;
}

/*--------------------------------------------------------------
# Careers
--------------------------------------------------------------*/
.tb-careers {
  padding: 24px 0 80px;
}

.tb-careers__values {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 0 0 20px;
  padding: 0;
  list-style: none;
}

.tb-careers__values li {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px 22px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 20px;
  background: #fff;
}

.tb-careers__values span {
  display: grid;
  flex: none;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 14px;
  background: rgba(var(--insur-primary-rgb), 0.08);
  color: var(--insur-primary);
}

.tb-careers__values b {
  font-size: 15.5px;
  line-height: 1.35;
}

.tb-careers__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr);
  gap: 20px;
  align-items: start;
}

.tb-careers__card,
.tb-careers__aside {
  padding: clamp(26px, 3.4vw, 42px);
  border: 1px solid var(--insur-bdr-color);
  border-radius: 26px;
  background: #fff;
}

.tb-careers__aside {
  background: #eaf1d3;
  border-color: transparent;
}

.tb-careers__aside h3 {
  margin: 0 0 10px;
  font-size: 22px;
}

.tb-careers__aside p {
  margin: 0 0 22px;
  font-size: 15.5px;
  line-height: 1.7;
  color: var(--insur-gray);
}

.tb-careers__aside .tb-btn {
  max-width: 100%;
  overflow-wrap: anywhere;
}

/* long-form text from the admin (careers, articles) */
.tb-prose h2,
.tb-prose h3 {
  margin: 0 0 14px;
  font-size: clamp(1.4rem, 2.4vw, 1.8rem);
  line-height: 1.25;
}

.tb-prose h3 {
  margin-top: 28px;
  font-size: 1.25rem;
}

.tb-prose p {
  margin: 0 0 16px;
  font-size: 16.5px;
  line-height: 1.8;
  color: #3c4650;
}

.tb-prose p:last-child {
  margin-bottom: 0;
}

.tb-prose ul,
.tb-prose ol {
  margin: 0 0 16px;
  padding-left: 22px;
  font-size: 16.5px;
  line-height: 1.8;
  color: #3c4650;
}

.tb-prose a {
  font-weight: 600;
  color: var(--insur-primary);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.tb-prose img {
  max-width: 100%;
  height: auto;
  border-radius: 16px;
}

/*--------------------------------------------------------------
# Resources list: topic filter
--------------------------------------------------------------*/
.tb-filter {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 32px;
}

.tb-filter__btn {
  padding: 9px 20px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 999px;
  background: #fff;
  color: var(--insur-gray);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.tb-filter__btn:hover {
  border-color: var(--tb-brand-dark);
}

.tb-filter__btn.is-active {
  border-color: var(--tb-brand-dark);
  background: var(--tb-brand-dark);
  color: #fff;
}

#resourceGrid > [hidden] {
  display: none !important;
}

/*--------------------------------------------------------------
# Article page
--------------------------------------------------------------*/
.tb-article {
  padding: 28px 0 84px;
}

.tb-article__grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 340px;
  gap: 24px;
  align-items: start;
}

.tb-article__card {
  padding: clamp(22px, 3.4vw, 44px);
  border: 1px solid var(--insur-bdr-color);
  border-radius: 28px;
  background: #fff;
}

.tb-article__img {
  display: block;
  width: 100%;
  max-height: 380px;
  margin-bottom: 30px;
  border-radius: 20px;
  object-fit: cover;
}

.tb-article__back {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 30px;
  font-size: 14.5px;
  font-weight: 700;
  color: var(--insur-primary);
}

.tb-article__side {
  position: sticky;
  top: 110px;
  display: grid;
  gap: 16px;
}

.tb-article__panel {
  padding: 26px;
  border: 1px solid var(--insur-bdr-color);
  border-radius: 24px;
  background: #fff;
}

.tb-article__panel h3 {
  margin: 0 0 14px;
  font-size: 18px;
}

.tb-article__panel ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.tb-article__panel li + li {
  border-top: 1px solid var(--insur-bdr-color);
}

.tb-article__panel li a {
  display: block;
  padding: 14px 0;
  color: inherit;
  text-decoration: none;
}

.tb-article__panel li span {
  display: block;
  font-size: 15px;
  font-weight: 700;
  line-height: 1.4;
  color: var(--insur-black);
}

.tb-article__panel li small {
  color: var(--insur-gray);
  font-size: 12.5px;
}

.tb-article__panel li a:hover span {
  color: var(--insur-primary);
}

.tb-article__panel--cta {
  border-color: transparent;
  background: #eaf1d3;
}

.tb-article__panel--cta p {
  margin: 0 0 18px;
  font-size: 15px;
  line-height: 1.6;
  color: var(--insur-gray);
}

/* ---- responsive ---- */
@media (max-width: 991px) {
  .tb-cred,
  .tb-careers__grid,
  .tb-article__grid {
    grid-template-columns: 1fr;
  }

  .tb-careers__values {
    grid-template-columns: 1fr;
  }

  .tb-article__side {
    position: static;
  }
}

@media (max-width: 575px) {
  .tb-licence {
    padding: 52px 0;
  }

  .tb-cred__list > div {
    grid-template-columns: 1fr;
    gap: 4px;
  }

  .tb-pghero__stats li {
    border-radius: 18px;
  }
}

/* no breadcrumb above these headers, so give the title room */
.tb-about-hero,
.tb-pghero {
  padding-top: clamp(40px, 5vw, 72px);
}

/*--------------------------------------------------------------
# Motion: small, calm, never in the way
--------------------------------------------------------------*/
html {
  scroll-behavior: smooth;
}

/* scroll reveal (classes added by motion.js) */
.rv {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.7s cubic-bezier(0.22, 0.7, 0.2, 1) var(--rv-delay, 0s),
    transform 0.7s cubic-bezier(0.22, 0.7, 0.2, 1) var(--rv-delay, 0s);
  will-change: opacity, transform;
}

.rv--in {
  opacity: 1;
  transform: none;
}

/* hero + page-header entrance on load */
@keyframes tb-rise {
  from { opacity: 0; transform: translateY(22px); }
  to { opacity: 1; transform: none; }
}

@keyframes tb-pop {
  from { opacity: 0; transform: scale(0.94); }
  to { opacity: 1; transform: none; }
}

.tb-hero2__content > *,
.tb-pghero__body > *,
.tb-about-hero__grid > div:first-child > * {
  animation: tb-rise 0.8s cubic-bezier(0.22, 0.7, 0.2, 1) both;
}

.tb-hero2__content > *:nth-child(1),
.tb-pghero__body > *:nth-child(1),
.tb-about-hero__grid > div:first-child > *:nth-child(1) { animation-delay: 0.05s; }
.tb-hero2__content > *:nth-child(2),
.tb-pghero__body > *:nth-child(2),
.tb-about-hero__grid > div:first-child > *:nth-child(2) { animation-delay: 0.15s; }
.tb-hero2__content > *:nth-child(3),
.tb-pghero__body > *:nth-child(3),
.tb-about-hero__grid > div:first-child > *:nth-child(3) { animation-delay: 0.27s; }
.tb-hero2__content > *:nth-child(4),
.tb-pghero__body > *:nth-child(4),
.tb-about-hero__grid > div:first-child > *:nth-child(4) { animation-delay: 0.38s; }

.hm {
  animation: tb-pop 0.8s cubic-bezier(0.22, 0.7, 0.2, 1) both;
}

.hm-main { animation-delay: 0.1s; }
.hm-d { animation-delay: 0.3s; }
.hm-e { animation-delay: 0.42s; }

.tb-about-facts li {
  animation: tb-rise 0.8s cubic-bezier(0.22, 0.7, 0.2, 1) both;
}

.tb-about-facts li:nth-child(1) { animation-delay: 0.2s; }
.tb-about-facts li:nth-child(2) { animation-delay: 0.32s; }
.tb-about-facts li:nth-child(3) { animation-delay: 0.44s; }

/* the olive shape drifts very slowly */
@keyframes tb-drift {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

.hm-d {
  animation: tb-pop 0.8s cubic-bezier(0.22, 0.7, 0.2, 1) 0.3s both, tb-drift 8s ease-in-out 1.2s infinite;
}

/* hover feedback */
.tb-btn {
  transition: transform 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.tb-btn:hover {
  transform: translateY(-2px);
}

.tb-btn--primary:hover {
  box-shadow: 0 12px 22px -12px rgba(14, 102, 77, 0.55);
}

.tb-tool__go i,
.tb-assure__link i,
.tb-resource-card__more i,
.tb-product-support-card__link i {
  transition: transform 0.2s ease;
}

.tb-tool:hover .tb-tool__go i,
.tb-resource-card:hover .tb-resource-card__more i,
.tb-product-support-card:hover .tb-product-support-card__link i {
  transform: translateX(4px);
}

.tb-resource-card__img,
.tb-product-featured__img {
  overflow: hidden;
}

.tb-resource-card__img img,
.tb-product-featured__img img,
.tb-team__photo img {
  transition: transform 0.6s cubic-bezier(0.22, 0.7, 0.2, 1);
}

.tb-resource-card:hover .tb-resource-card__img img,
.tb-product-featured:hover .tb-product-featured__img img,
.tb-team:hover .tb-team__photo img {
  transform: scale(1.05);
}

.tb-team,
.tb-tcard,
.tb-vm__card,
.tb-why__list li {
  transition: transform 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
}

.tb-team:hover,
.tb-tcard:hover,
.tb-vm__card:hover {
  transform: translateY(-4px);
}

.tb-why__list li:hover .tb-why__icon {
  background: var(--insur-primary);
  color: #fff;
}

.tb-why__icon {
  transition: background 0.25s ease, color 0.25s ease;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .tb-hero2__content > *,
  .tb-pghero__body > *,
  .tb-about-hero__grid > div:first-child > *,
  .hm,
  .hm-d,
  .tb-about-facts li {
    animation: none !important;
  }

  .tb-btn:hover,
  .tb-team:hover,
  .tb-tcard:hover,
  .tb-vm__card:hover {
    transform: none;
  }
}

/*--------------------------------------------------------------
# Text pages (privacy policy and other admin pages)
--------------------------------------------------------------*/
.tb-article__grid--single {
  grid-template-columns: minmax(0, 820px);
  justify-content: center;
}

.tb-doc .tb-prose h2,
.tb-doc .tb-prose h3 {
  margin-top: 40px;
  padding-top: 28px;
  border-top: 1px solid var(--insur-bdr-color);
  scroll-margin-top: 110px;
}

.tb-doc .tb-prose > :first-child {
  margin-top: 0;
  padding-top: 0;
  border-top: 0;
}

.tb-doc .tb-prose ul {
  padding-left: 0;
  list-style: none;
}

.tb-doc .tb-prose ul li {
  position: relative;
  margin-bottom: 8px;
  padding-left: 26px;
}

.tb-doc .tb-prose ul li::before {
  content: "";
  position: absolute;
  left: 2px;
  top: 0.72em;
  width: 8px;
  height: 8px;
  border-radius: 50% 0 50% 0;
  background: var(--insur-base);
}

.tb-doc__toc li a span {
  font-size: 14.5px;
  font-weight: 600;
}

.tb-doc__toc li a {
  padding: 11px 0;
}

/*--------------------------------------------------------------
# Scroll-to-top: sits directly above the live-chat bubble, never on it
--------------------------------------------------------------*/
.scroll-to-top {
  right: 16px !important;
  bottom: 92px !important;
  width: 44px;
  height: 44px;
  background: var(--tb-brand-dark);
  box-shadow: 0 8px 18px -8px rgba(10, 46, 34, 0.55);
}

.scroll-to-top:hover {
  background-color: var(--insur-primary);
}

.scroll-to-top i {
  line-height: 44px;
}

@media (max-width: 576px) {
  .scroll-to-top {
    right: 12px !important;
    bottom: 84px !important;
  }
}