/* INSUREDWITHAMIT — 2026 Auto Reforms long-read */
:root {
  --iwa-bg:        #0a0a0b;
  --iwa-bg-2:      #111113;
  --iwa-card:      #131316;
  --iwa-line:      rgba(255,255,255,0.08);
  --iwa-line-2:    rgba(255,255,255,0.14);
  --iwa-fg:        #f4f3ee;
  --iwa-fg-mute:   #b8b6ad;
  --iwa-fg-soft:   #8a877e;
  --iwa-accent:    #d6b478;
  --iwa-warn:      #e8a87a;
  --iwa-ok:        #9ec39a;
  --iwa-display:   "Instrument Serif", "Cormorant Garamond", serif;
  --iwa-sans:      "Manrope", "Inter", system-ui, -apple-system, sans-serif;
  --iwa-mono:      "JetBrains Mono", ui-monospace, monospace;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  background: var(--iwa-bg);
  color: var(--iwa-fg);
  font-family: var(--iwa-sans);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }

/* ============================== NAV ============================== */
.rfm-nav {
  position: sticky; top: 0; z-index: 80;
  padding: 16px 28px;
  background: rgba(10,10,11,0.78);
  backdrop-filter: saturate(140%) blur(16px);
  border-bottom: 1px solid var(--iwa-line);
}
.rfm-nav__inner {
  max-width: 1320px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.rfm-logo {
  display: inline-flex; align-items: center; gap: 12px;
  font-family: var(--iwa-display);
  font-size: 22px; letter-spacing: -0.01em;
}
.rfm-logo__mark {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--iwa-accent);
  display: inline-flex; align-items: center; justify-content: center;
}
.rfm-logo__mark::after { content: ""; width: 12px; height: 2px; background: #0a0a0b; }
.rfm-logo em { font-style: italic; color: var(--iwa-fg-mute); font-size: 18px; margin: 0 4px; }

.rfm-nav__cta {
  display: inline-flex; align-items: center; gap: 10px;
}
.rfm-nav__back {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--iwa-fg-mute);
  border: 1px solid var(--iwa-line-2);
  padding: 9px 16px; border-radius: 999px;
  transition: color .2s, border-color .2s, background .2s;
}
.rfm-nav__back:hover { color: var(--iwa-fg); border-color: rgba(255,255,255,0.25); background: rgba(255,255,255,0.04); }
.rfm-nav__quote {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; color: #0b0b0c; background: var(--iwa-fg);
  padding: 9px 16px; border-radius: 999px;
  transition: transform .2s, background .2s;
}
.rfm-nav__quote:hover { transform: translateY(-1px); background: #fff; }

/* ============================== HERO ============================== */
.rfm-hero {
  position: relative;
  padding: 96px 28px 80px;
  overflow: hidden;
  border-bottom: 1px solid var(--iwa-line);
}
.rfm-hero__bg {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(80% 60% at 50% 0%, rgba(214,180,120,0.12), transparent 70%),
    radial-gradient(60% 40% at 90% 100%, rgba(214,180,120,0.06), transparent 70%);
}
.rfm-hero__inner {
  position: relative;
  max-width: 1100px; margin: 0 auto;
  display: grid; gap: 36px;
  text-align: center;
}
.rfm-hero__eyebrow {
  display: inline-flex; gap: 14px; justify-content: center; align-items: center;
  font-size: 11.5px; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--iwa-fg-soft);
  justify-self: center;
}
.rfm-hero__eyebrow::before,
.rfm-hero__eyebrow::after {
  content: ""; width: 32px; height: 1px; background: var(--iwa-accent);
}
.rfm-hero__title {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: clamp(56px, 9vw, 132px);
  line-height: 0.95; letter-spacing: -0.025em;
  margin: 0;
  text-wrap: balance;
  color: var(--iwa-fg);
}
.rfm-hero__title em { font-style: italic; color: var(--iwa-accent); }
.rfm-hero__sub {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: clamp(20px, 2.4vw, 28px); line-height: 1.4;
  color: var(--iwa-fg-mute);
  max-width: 720px; margin: 0 auto;
  text-wrap: balance;
}

/* Date strip */
.rfm-hero__date {
  display: inline-grid;
  grid-template-columns: auto 1px auto;
  gap: 22px; align-items: center;
  padding: 18px 28px;
  border: 1px solid var(--iwa-line-2);
  border-radius: 999px;
  justify-self: center;
  background: rgba(255,255,255,0.02);
}
.rfm-hero__date > .sep {
  height: 28px; background: var(--iwa-line);
}
.rfm-hero__date dt {
  font-family: var(--iwa-mono); font-size: 10.5px;
  text-transform: uppercase; letter-spacing: 0.2em;
  color: var(--iwa-fg-soft);
  margin-bottom: 2px;
}
.rfm-hero__date dd {
  font-family: var(--iwa-display);
  font-size: 22px; color: var(--iwa-fg); margin: 0;
  letter-spacing: -0.01em;
}
.rfm-hero__date dd .accent { color: var(--iwa-accent); }

/* ============================== TOC ============================== */
.rfm-toc {
  max-width: 1100px; margin: 0 auto;
  padding: 0 28px;
  border-bottom: 1px solid var(--iwa-line);
}
.rfm-toc__inner {
  display: grid; grid-template-columns: 160px 1fr; gap: 40px;
  padding: 36px 0;
  align-items: start;
}
.rfm-toc__label {
  font-size: 10.5px; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--iwa-fg-soft);
  padding-top: 4px;
}
.rfm-toc__list {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2px 24px;
  list-style: none; padding: 0; margin: 0;
  counter-reset: rfmtoc;
}
.rfm-toc__list li { counter-increment: rfmtoc; }
.rfm-toc__list a {
  display: flex; gap: 12px; align-items: baseline;
  padding: 10px 0;
  font-size: 14.5px; color: var(--iwa-fg-mute);
  border-bottom: 1px solid var(--iwa-line);
  transition: color .2s, padding-left .2s;
}
.rfm-toc__list a::before {
  content: counter(rfmtoc, decimal-leading-zero);
  font-family: var(--iwa-mono); font-size: 11px;
  color: var(--iwa-fg-soft);
}
.rfm-toc__list a:hover { color: var(--iwa-fg); padding-left: 6px; }

/* ============================== SECTIONS ============================== */
.rfm-section {
  max-width: 1100px; margin: 0 auto;
  padding: 96px 28px;
  border-bottom: 1px solid var(--iwa-line);
}
.rfm-section:last-of-type { border-bottom: 0; }
.rfm-section__head {
  display: grid; grid-template-columns: 160px 1fr; gap: 40px;
  margin-bottom: 56px;
  align-items: start;
}
.rfm-section__num {
  font-family: var(--iwa-mono);
  font-size: 11px; color: var(--iwa-fg-soft);
  letter-spacing: 0.14em; text-transform: uppercase;
  padding-top: 14px;
  border-top: 1px solid var(--iwa-accent);
  width: 60px;
}
.rfm-section__title {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: clamp(40px, 5vw, 64px); line-height: 1.02;
  letter-spacing: -0.02em;
  margin: 0;
  color: var(--iwa-fg);
  text-wrap: balance;
}
.rfm-section__title em { font-style: italic; color: var(--iwa-accent); }
.rfm-section__lede {
  margin: 20px 0 0; max-width: 720px;
  font-size: 19px; line-height: 1.55;
  color: var(--iwa-fg-mute);
  text-wrap: pretty;
}

.rfm-section__body {
  display: grid; grid-template-columns: 160px 1fr; gap: 40px;
  align-items: start;
}
.rfm-section__body > .spacer { /* keeps the right column aligned with the title */ }

.rfm-prose {
  max-width: 720px;
  font-size: 16.5px; line-height: 1.7;
  color: var(--iwa-fg-mute);
}
.rfm-prose p { margin: 0 0 18px; }
.rfm-prose strong { color: var(--iwa-fg); font-weight: 600; }
.rfm-prose h3 {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 26px; line-height: 1.2;
  color: var(--iwa-fg); margin: 36px 0 14px;
  letter-spacing: -0.01em;
}

/* ============================== STAY vs OPTIONAL ============================== */
.rfm-split {
  display: grid; grid-template-columns: 1fr 1fr; gap: 1px;
  background: var(--iwa-line);
  border: 1px solid var(--iwa-line);
  border-radius: 22px; overflow: hidden;
}
.rfm-split__col {
  background: var(--iwa-bg);
  padding: 36px 32px;
  display: flex; flex-direction: column; gap: 20px;
}
.rfm-split__tag {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--iwa-mono); font-size: 11px;
  text-transform: uppercase; letter-spacing: 0.18em;
  color: var(--iwa-fg-soft);
  align-self: flex-start;
}
.rfm-split__tag::before {
  content: ""; width: 8px; height: 8px; border-radius: 50%;
}
.rfm-split__col--keep .rfm-split__tag::before { background: var(--iwa-ok); }
.rfm-split__col--opt  .rfm-split__tag::before { background: var(--iwa-warn); }
.rfm-split__title {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 30px; line-height: 1.1;
  color: var(--iwa-fg); margin: 0;
  letter-spacing: -0.01em;
}
.rfm-split__title em { font-style: italic; color: var(--iwa-accent); }
.rfm-split__desc { color: var(--iwa-fg-mute); font-size: 15.5px; line-height: 1.6; margin: 0; }
.rfm-split__list {
  list-style: none; padding: 0; margin: auto 0 0;
  display: grid; gap: 8px;
  border-top: 1px solid var(--iwa-line);
  padding-top: 22px;
  font-size: 14.5px;
}
.rfm-split__list li {
  display: flex; align-items: center; gap: 12px;
  padding: 6px 0;
}
.rfm-split__list li::before {
  content: ""; width: 6px; height: 6px; border-radius: 50%;
  background: var(--iwa-line-2);
  flex: 0 0 auto;
}
.rfm-split__col--keep .rfm-split__list li::before { background: var(--iwa-ok); }
.rfm-split__col--opt  .rfm-split__list li::before { background: var(--iwa-warn); }

/* ============================== BENEFIT CARDS ============================== */
.rfm-benefits {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px;
  background: var(--iwa-line);
  border: 1px solid var(--iwa-line);
  border-radius: 22px; overflow: hidden;
}
.rfm-benefit {
  background: var(--iwa-bg);
  padding: 32px 30px;
  display: grid; gap: 16px;
  position: relative;
  transition: background .25s;
}
.rfm-benefit:hover { background: var(--iwa-bg-2); }
.rfm-benefit__num {
  font-family: var(--iwa-mono);
  font-size: 11px; color: var(--iwa-fg-soft);
  letter-spacing: 0.12em;
}
.rfm-benefit__title {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 30px; line-height: 1.05;
  color: var(--iwa-fg); margin: 0;
  letter-spacing: -0.01em;
}
.rfm-benefit__title em { font-style: italic; color: var(--iwa-accent); }
.rfm-benefit__desc {
  font-size: 15.5px; line-height: 1.6;
  color: var(--iwa-fg-mute); margin: 0;
}
.rfm-benefit__example {
  margin-top: auto;
  padding-top: 18px;
  border-top: 1px dashed var(--iwa-line);
  font-size: 13.5px; color: var(--iwa-fg-soft);
  display: flex; gap: 10px;
}
.rfm-benefit__example::before {
  content: "EX"; flex: 0 0 auto;
  font-family: var(--iwa-mono); font-size: 9.5px;
  letter-spacing: 0.18em;
  color: var(--iwa-accent);
  padding-top: 1px;
}

/* "Still optional" trio */
.rfm-stillopt {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;
  margin-top: 36px;
}
.rfm-stillopt__card {
  padding: 24px 22px;
  border: 1px solid var(--iwa-line);
  border-radius: 14px;
  display: grid; gap: 10px;
  background: rgba(255,255,255,0.015);
}
.rfm-stillopt__card h4 {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 22px; line-height: 1.15;
  margin: 0; color: var(--iwa-fg);
  letter-spacing: -0.005em;
}
.rfm-stillopt__card p { margin: 0; font-size: 14px; line-height: 1.55; color: var(--iwa-fg-mute); }

/* ============================== COVERED BAR ============================== */
.rfm-covered {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
}
.rfm-covered__panel {
  padding: 32px 28px;
  border-radius: 18px;
  border: 1px solid var(--iwa-line);
}
.rfm-covered__panel--yes {
  background: linear-gradient(180deg, rgba(158,195,154,0.06), transparent);
  border-color: rgba(158,195,154,0.22);
}
.rfm-covered__panel--no {
  background: linear-gradient(180deg, rgba(232,168,122,0.05), transparent);
  border-color: rgba(232,168,122,0.22);
}
.rfm-covered__tag {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--iwa-mono); font-size: 11px;
  text-transform: uppercase; letter-spacing: 0.18em;
  margin-bottom: 14px;
}
.rfm-covered__panel--yes .rfm-covered__tag { color: var(--iwa-ok); }
.rfm-covered__panel--no  .rfm-covered__tag { color: var(--iwa-warn); }
.rfm-covered__h {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 26px; line-height: 1.2;
  color: var(--iwa-fg); margin: 0 0 12px;
  letter-spacing: -0.01em;
}
.rfm-covered__panel p { margin: 0 0 14px; font-size: 15px; color: var(--iwa-fg-mute); line-height: 1.55; }
.rfm-covered__panel ul {
  list-style: none; padding: 0; margin: 16px 0 0; display: grid; gap: 8px;
  font-size: 14.5px;
}
.rfm-covered__panel ul li { padding-left: 22px; position: relative; color: var(--iwa-fg-mute); }
.rfm-covered__panel--yes ul li::before {
  content: "+"; position: absolute; left: 0; top: 0;
  font-family: var(--iwa-mono); color: var(--iwa-ok);
}
.rfm-covered__panel--no ul li::before {
  content: "−"; position: absolute; left: 0; top: 0;
  font-family: var(--iwa-mono); color: var(--iwa-warn);
}

/* ============================== SCENARIO CARDS ============================== */
.rfm-scenarios {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;
}
.rfm-scenario {
  padding: 32px 28px;
  border: 1px solid var(--iwa-line);
  border-radius: 18px;
  display: grid; gap: 14px;
  background: rgba(255,255,255,0.02);
  position: relative;
  overflow: hidden;
  transition: border-color .25s, transform .25s;
}
.rfm-scenario::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(60% 50% at 100% 0%, rgba(214,180,120,0.08), transparent 70%);
  opacity: 0; transition: opacity .25s;
}
.rfm-scenario:hover { transform: translateY(-2px); border-color: rgba(214,180,120,0.25); }
.rfm-scenario:hover::after { opacity: 1; }
.rfm-scenario__tag {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--iwa-mono); font-size: 11px;
  text-transform: uppercase; letter-spacing: 0.18em;
  color: var(--iwa-accent);
}
.rfm-scenario__tag::before {
  content: ""; width: 22px; height: 1px; background: var(--iwa-accent);
}
.rfm-scenario h3 {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 28px; line-height: 1.1;
  color: var(--iwa-fg); margin: 0;
  letter-spacing: -0.01em;
}
.rfm-scenario p { margin: 0; font-size: 14.5px; line-height: 1.6; color: var(--iwa-fg-mute); }
.rfm-scenario__hl {
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid var(--iwa-line);
  font-size: 13px; color: var(--iwa-fg-soft);
  display: flex; gap: 10px;
}
.rfm-scenario__hl strong { color: var(--iwa-fg); font-weight: 600; }

/* ============================== STEPS ============================== */
.rfm-steps {
  display: grid; gap: 1px;
  background: var(--iwa-line);
  border: 1px solid var(--iwa-line);
  border-radius: 22px; overflow: hidden;
}
.rfm-step {
  background: var(--iwa-bg);
  padding: 28px 32px;
  display: grid;
  grid-template-columns: 80px 1.2fr 1fr;
  gap: 28px;
  align-items: center;
  transition: background .25s;
}
.rfm-step:hover { background: var(--iwa-bg-2); }
.rfm-step__num {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 56px; line-height: 1;
  color: var(--iwa-accent);
  letter-spacing: -0.02em;
}
.rfm-step__title {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 28px; line-height: 1.1;
  color: var(--iwa-fg); margin: 0;
  letter-spacing: -0.01em;
}
.rfm-step__desc {
  font-size: 14.5px; line-height: 1.55; color: var(--iwa-fg-mute); margin: 0;
}

/* ============================== FAQ ============================== */
.rfm-faq__group {
  display: grid; gap: 0;
  border-top: 1px solid var(--iwa-line);
}
.rfm-faq details {
  border-bottom: 1px solid var(--iwa-line);
  padding: 0;
}
.rfm-faq summary {
  list-style: none;
  cursor: pointer;
  padding: 24px 0;
  display: grid;
  grid-template-columns: 1fr 32px;
  gap: 18px; align-items: center;
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 22px; line-height: 1.3;
  color: var(--iwa-fg);
  letter-spacing: -0.005em;
}
.rfm-faq summary::-webkit-details-marker { display: none; }
.rfm-faq summary::after {
  content: "+";
  font-family: var(--iwa-mono); font-size: 22px;
  color: var(--iwa-accent);
  transition: transform .25s;
  text-align: center; line-height: 1;
}
.rfm-faq details[open] summary::after { content: "−"; }
.rfm-faq summary:hover { color: var(--iwa-accent); }
.rfm-faq__body {
  padding: 0 0 24px;
  max-width: 760px;
  color: var(--iwa-fg-mute);
  font-size: 15.5px; line-height: 1.7;
}
.rfm-faq__body p { margin: 0 0 12px; }
.rfm-faq__body strong { color: var(--iwa-fg); font-weight: 600; }
.rfm-faq__body ul { list-style: none; padding: 0; margin: 0 0 12px; display: grid; gap: 6px; }
.rfm-faq__body ul li { padding-left: 18px; position: relative; }
.rfm-faq__body ul li::before {
  content: ""; position: absolute; left: 0; top: 11px;
  width: 8px; height: 1px; background: var(--iwa-accent);
}

/* FAQ category label */
.rfm-faq__cat {
  font-family: var(--iwa-mono); font-size: 11px;
  text-transform: uppercase; letter-spacing: 0.18em;
  color: var(--iwa-fg-soft);
  margin: 48px 0 8px;
}
.rfm-faq__cat:first-child { margin-top: 0; }

/* ============================== CTA ============================== */
.rfm-cta {
  position: relative; overflow: hidden;
  padding: 96px 28px;
  text-align: center;
  border-top: 1px solid var(--iwa-line);
  background: var(--iwa-bg-2);
}
.rfm-cta__bg {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(60% 60% at 50% 0%, rgba(214,180,120,0.10), transparent 70%);
}
.rfm-cta__inner { position: relative; max-width: 820px; margin: 0 auto; }
.rfm-cta__eyebrow {
  display: inline-flex; gap: 10px; align-items: center;
  font-family: var(--iwa-mono); font-size: 11.5px;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--iwa-fg-soft);
  margin-bottom: 22px;
}
.rfm-cta__eyebrow::before {
  content: ""; width: 6px; height: 6px; border-radius: 50%;
  background: var(--iwa-accent);
}
.rfm-cta__title {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: clamp(40px, 6vw, 72px); line-height: 1;
  letter-spacing: -0.025em; margin: 0;
  text-wrap: balance;
}
.rfm-cta__title em { font-style: italic; color: var(--iwa-accent); }
.rfm-cta__sub {
  margin: 22px auto 36px; max-width: 560px;
  color: var(--iwa-fg-mute); font-size: 17px; line-height: 1.55;
}
.rfm-cta__btns {
  display: inline-flex; gap: 12px; flex-wrap: wrap; justify-content: center;
}
.rfm-cta__btns a {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 16px 26px; border-radius: 999px;
  font-weight: 500; font-size: 15px;
  transition: transform .25s, background .25s, border-color .25s;
}
.rfm-cta__btns a.primary { background: var(--iwa-fg); color: #0b0b0c; }
.rfm-cta__btns a.primary:hover { transform: translateY(-1px); background: #fff; }
.rfm-cta__btns a.ghost {
  border: 1px solid var(--iwa-line-2); color: var(--iwa-fg);
}
.rfm-cta__btns a.ghost:hover { border-color: rgba(255,255,255,0.25); background: rgba(255,255,255,0.04); transform: translateY(-1px); }

/* ============================== DISCLAIMER ============================== */
.rfm-disc {
  max-width: 1100px; margin: 0 auto;
  padding: 40px 28px 80px;
  font-size: 12.5px; line-height: 1.6;
  color: var(--iwa-fg-soft);
}
.rfm-disc__inner {
  border-top: 1px solid var(--iwa-line);
  padding-top: 28px;
}

/* ============================== FOOTER ============================== */
.rfm-foot {
  border-top: 1px solid var(--iwa-line);
  padding: 36px 28px;
  background: var(--iwa-bg-2);
}
.rfm-foot__inner {
  max-width: 1320px; margin: 0 auto;
  display: flex; justify-content: space-between; align-items: center;
  gap: 24px; flex-wrap: wrap;
  font-size: 12px; color: var(--iwa-fg-soft);
}
.rfm-foot__links { display: flex; gap: 24px; flex-wrap: wrap; }
.rfm-foot__links a:hover { color: var(--iwa-fg-mute); }

/* ============================== RESPONSIVE ============================== */
@media (max-width: 920px) {
  .rfm-section { padding: 64px 28px; }
  .rfm-section__head, .rfm-section__body, .rfm-toc__inner {
    grid-template-columns: 1fr; gap: 18px;
  }
  .rfm-section__num { padding-top: 0; }
  .rfm-split, .rfm-benefits { grid-template-columns: 1fr; }
  .rfm-covered { grid-template-columns: 1fr; }
  .rfm-scenarios { grid-template-columns: 1fr; }
  .rfm-stillopt { grid-template-columns: 1fr; }
  .rfm-step { grid-template-columns: 60px 1fr; gap: 18px; }
  .rfm-step__desc { grid-column: 2; }
  .rfm-hero { padding: 64px 28px 56px; }
}
@media (max-width: 540px) {
  .rfm-hero__date {
    grid-template-columns: 1fr;
    gap: 12px; padding: 18px 22px;
    border-radius: 22px;
    text-align: center;
  }
  .rfm-hero__date > .sep { display: none; }
}