/* LOCKED tokens — Excelsior Insurance (base system: professional, bespoke-tuned)
   Lakeside palette: a deep teal-navy brand (#13434f) with a warm sand accent
   (#97612a) over sand-warmed tints — credible and established, deliberately
   distinct from the prior professional pitches: Wiser (navy), Bauman (evergreen),
   Oakwood (burgundy), Options (teal-slate). The teal here reads cooler/lakeside
   and the sand accent + warm hero wash set it apart. Keeps the professional
   system's Source Serif 4 headings, Inter body, measured scale, and minimal
   motion. Variable NAMES match _shared/base.css; only values changed.
   Contrast verified AA: body 13.6:1, ink-strong 16.96:1, muted 6.66:1,
   white-on-brand 10.81:1, white-on-brand-dark 14.2:1, accent-on-white 5.17:1,
   accent-on-tint 4.62:1, on-band-muted 7.98:1. */
@import url('https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,500;8..60,600&family=Inter:wght@400;500;600&display=swap');
:root{
  --bg:#ffffff; --surface:#ffffff; --ink:#213038; --ink-strong:#0c1f25; --muted:#4e5f66;
  --line:#e3e8e9;
  --brand:#13434f; --brand-dark:#0c2f38; --brand-tint:#eef3f3; --on-brand:#ffffff;
  --accent:#97612a;
  --hero-bg:linear-gradient(180deg,#f5f3ee,#ffffff);
  --header-bg:rgba(255,255,255,.9); --footer-bg:#0c1f25;
  --band-bg:#0c1f25; --on-band:#ffffff; --on-band-muted:#9fb6bb;

  --font-heading:'Source Serif 4',Georgia,serif; --font-body:'Inter',system-ui,sans-serif;
  --fs-base:16.5px; --lh-body:1.68; --fw-body:400; --fw-head:600; --lh-head:1.14; --ls-head:-.01em;
  --fs-lead:1.18rem; --fs-h1:clamp(2.2rem,4.8vw,3.5rem); --fs-h2:clamp(1.6rem,3.2vw,2.3rem); --fs-h3:1.26rem;

  --container:1100px; --gutter:26px; --section-y:92px; --hero-y:100px; --nav-h:78px;
  --space-3:10px; --space-4:16px; --space-5:26px; --space-6:30px; --space-7:54px;
  --btn-pad:14px 28px;
  --radius:6px; --radius-lg:10px; --radius-pill:6px;
  --shadow:0 6px 20px rgba(12,31,37,.06); --shadow-lg:0 16px 40px rgba(12,31,37,.12);
  --dur:140ms; --ease:cubic-bezier(.3,.6,.3,1);
}
/* Primary buttons use the deep lakeside teal (white text passes AA: ~10.8:1). */
.btn{background:var(--brand);color:var(--on-brand)}
.btn:hover{background:var(--brand-dark)}
.btn.ghost{background:transparent;color:var(--brand)}
.btn.ghost:hover{background:var(--brand-tint)}
/* Eyebrow + card icons in warm sand accent (passes AA on white 5.17:1 & tint 4.62:1). */
.eyebrow{color:var(--accent);letter-spacing:.16em}
.card .ic{background:#f3ece1;color:var(--accent)}
.site-footer{color:var(--on-band-muted)}.site-footer a{color:#c7d2d4}