/* Task 6299, round g. Loaded last on every page.
   Sections alternate white and full brand blue (was white and cream), so long pages stop blurring together.
   The former .band-cream and .t4-more sections are now the blue ones. Cards and tables inside stay white. */
.v3 { --band-blue: #1558c4; --band-blue-dark: #0f469f; }

/* ---- Blue bands ---- */
.v3 .band-cream, .v4 .t4-more {
  background: var(--band-blue); border-top: 0; border-bottom: 0; color: #fff;
}
.v3 .band-cream { padding-top: 56px; padding-bottom: 56px; }
@media (min-width: 900px) { .v3 .band-cream { padding-top: 76px; padding-bottom: 76px; } }
.v3 .band-cream .sec-head h2, .v4 .t4-more .sec-head h2, .v3 .band-cream .hp-paid-copy h2 { color: #fff; }
.v3 .band-cream .sec-head p, .v4 .t4-more .sec-head p,
.v3 .band-cream .hp-paid-copy p { color: #e4edff; }
.v3 .band-cream .hp-paid-copy a, .v3 .band-cream .cov4-foot, .v3 .band-cream .cov4-foot a { color: #fff; text-decoration-color: rgba(255, 255, 255, .7); }
.v3 .band-cream .cov4-foot { color: #e4edff; }
.v3 .band-cream .ct-wrap, .v3 .band-cream .cmp { background: #fff; border-radius: 16px; box-shadow: 0 18px 44px rgba(4, 22, 60, .35); }
.v3 .band-cream .isnot { box-shadow: 0 18px 44px rgba(4, 22, 60, .35); border: 0; }

/* Tabs and chips on the blue "Estimate by business type or state" band */
.v4 .t4-more .tabs { border-bottom-color: rgba(255, 255, 255, .4); }
.v4 .t4-more .tabs [role="tab"] { color: #d5e3ff; }
.v4 .t4-more .tabs [role="tab"]:hover { color: #fff; }
.v4 .t4-more .tabs [role="tab"][aria-selected="true"] { color: #fff; border-bottom-color: #fff; }
.v4 .t4-more .tabs [role="tab"]:focus-visible { outline-color: #fff; }
.v4 .t4-more .pick-aside { box-shadow: 0 18px 44px rgba(4, 22, 60, .35); }

/* ---- Guides: the "three routes" block becomes a full-width blue band ---- */
.v4 .article-body .ways {
  background: var(--band-blue); border: 0; border-radius: 0; color: #fff; padding: 40px 0;
  box-shadow: 0 0 0 100vmax var(--band-blue); clip-path: inset(0 -100vmax);
  margin: 3rem 0;
}
.v4 .article-body .ways h2 { color: #fff; }
.v4 .article-body .ways > p, .v4 .reading .ways > p { color: #e4edff; }
.v4 .article-body .ways .ways-item { box-shadow: 0 14px 34px rgba(4, 22, 60, .3); border: 0; }

/* ---- Guide hero: a touch more presence so the page opens with colour ---- */
.v4 .art-hero { border-bottom: 0; }
.v4 .article-body .ways .ways-item { color: var(--ink); }
.v4 .article-body .ways .ways-item h3 { color: var(--ink); }
.v4 .article-body .ways .ways-item p { color: var(--ink-soft); }
.v4 .article-body .ways .ways-item .ways-note { color: var(--muted) !important; }

/* ---- Blue heroes (home and guides), white estimator card, one friendly tag ---- */
.v4 .h4-hero, .v4 .art-hero {
  background: linear-gradient(180deg, var(--band-blue) 0%, var(--band-blue-dark) 100%); border: 0; color: #fff;
}
.v4 .h4-hero { padding-top: 40px; padding-bottom: 48px; }
@media (min-width: 900px) { .v4 .h4-hero, .v4.home .h4-hero { padding-top: 60px; padding-bottom: 68px; } }
.v4 .h4-hero h1, .v4 .art-hero h1 { color: #fff; }
.v4 .h4-hero h1 { font-size: clamp(2.2rem, 5.6vw, 3.5rem); line-height: 1.06; max-width: 20ch; }
.v4 .h4-hero .lede, .v4 .art-hero .post-hero-answer { color: #e4edff; }
.v4 .h4-hero .lede { max-width: 44rem; font-size: 1.125rem; line-height: 1.55; }
.v4 .h4-eyebrow {
  display: inline-block; margin: 0 0 14px; padding: 6px 15px; border-radius: 999px;
  background: #fff; color: var(--band-blue-dark); font-size: .875rem; font-weight: 700;
}
.v4 .h4-hero .est, .v4 .art-hero .est { background: #fff; border: 0; box-shadow: 0 24px 60px rgba(4, 22, 60, .42); border-radius: 20px; }
.v4 .h4-hero .est { padding: 24px; }
.v4 .art-hero .crumbs, .v4 .art-hero .crumbs a { color: #cfe0ff; }
.v4 .art-hero .art-meta, .v4 .art-hero .art-meta span { color: #cfe0ff; }
.v4 .art-hero .art-meta .cat { color: #fff; background: rgba(255, 255, 255, .16); padding: 3px 10px; border-radius: 999px; }
.v4 .art-hero .btn-ghost { background: #fff; color: var(--band-blue-dark); border-color: #fff; }
.v4 .art-hero .btn-ghost:hover { background: #e4edff; color: var(--band-blue-dark); }
.v4 .art-hero .v2-cta-note, .v4 .art-hero .disclosure-inline { color: #d5e3ff; }
.v4 .art-hero .disclosure-inline { border-left-color: rgba(255, 255, 255, .5); }
.v4 .art-hero .disclosure-inline a, .v4 .art-hero .v2-cta-note a { color: #fff; }
/* Proof strip under a blue hero: white, so the bands keep alternating */
.v4 .h4-proof { background: #fff; border-bottom: 1px solid var(--line); }
.v4 .h4-proof li, .v4 .h4-proof li:nth-child(2n) { border-color: var(--line); }
.v4 .h4-proof b { color: var(--band-blue-dark); font-size: 1.0625rem; }
.v4 .h4-proof span { color: var(--ink-soft); }
.v4 .h4-proof { background: #eaf1fd; border-bottom: 0; }
.v4 .h4-proof li, .v4 .h4-proof li:nth-child(2n) { border-color: #cfdcf3; }

/* ---- Home: four cover cards, quick guides, about ---- */
.cov-cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 979px) { .cov-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 519px) { .cov-cards { grid-template-columns: 1fr; } }
.cov-card { display: flex; flex-direction: column; gap: 8px; background: #fff; border-radius: 18px; padding: 24px 22px; color: var(--ink); text-decoration: none; box-shadow: 0 18px 44px rgba(4, 22, 60, .3); }
.cov-card:hover { transform: translateY(-3px); }
.cov-name { font-weight: 700; font-size: 1.0625rem; color: var(--band-blue-dark); }
.cov-price { font-family: 'Source Serif 4', Georgia, serif; font-size: 2.6rem; line-height: 1; color: var(--ink); }
.cov-price small { font-family: 'Inter var', 'Inter', sans-serif; font-size: 1rem; font-weight: 600; color: var(--muted); }
.cov-what { font-size: 1rem; line-height: 1.45; color: var(--ink-soft); }
.cov-go { margin-top: auto; padding-top: 10px; font-weight: 700; color: var(--brand); }
.cov-card:hover .cov-go { text-decoration: underline; }
.quick-guides { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 979px) { .quick-guides { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 519px) { .quick-guides { grid-template-columns: 1fr; } }
.qg { display: flex; flex-direction: column; gap: 8px; background: #fff; border-radius: 16px; padding: 20px; color: var(--ink); text-decoration: none; box-shadow: 0 14px 34px rgba(4, 22, 60, .3); }
.qg:hover { background: var(--navy); color: #fff; }
.qg span { font-size: .8125rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--brand); }
.qg:hover span { color: #cfe0ff; }
.qg strong { font-size: 1.0625rem; line-height: 1.3; }
.v3 .band-cream .btn-ghost--light { background: #fff; color: var(--band-blue-dark); border-color: #fff; }
.hp-about { max-width: 46rem; }
.hp-about h2 { color: #fff; }
.hp-about p { color: #e4edff; font-size: 1.0625rem; line-height: 1.6; }
.hp-about a { color: #fff; }
.pick-more { margin-top: 18px; }
.pick-more > summary { cursor: pointer; font-weight: 650; color: var(--brand); padding: 8px 0; }
.pick-more ul { margin-top: 10px; }
/* Section headings a touch bigger and tighter across the site */
.v3 .sec-head h2 { font-size: clamp(1.75rem, 3.6vw, 2.4rem); line-height: 1.12; }
.v3 .sec-head p { font-size: 1.0625rem; }
.v4 .article-body .ways .ways-go { display: block; text-align: center; background: var(--brand); color: #fff; text-decoration: none; font-weight: 700; padding: 12px 16px; border-radius: 10px; }
.v4 .article-body .ways .ways-go:hover { background: var(--band-blue-dark); }
/* Tabs on the blue "Browse every guide" band */
.v3 .band-cream .tabs { border-bottom-color: rgba(255,255,255,.4); }
.v3 .band-cream .tabs [role="tab"] { color: #d5e3ff; }
.v3 .band-cream .tabs [role="tab"]:hover, .v3 .band-cream .tabs [role="tab"][aria-selected="true"] { color: #fff; }
.v3 .band-cream .tabs [role="tab"][aria-selected="true"] { border-bottom-color: #fff; }
.v3 .band-cream .tab-lede { display: none; }

/* ===== Task 6299 round h: illustrations, motion, compare, slim footer, tiny Hiscox notes ===== */
/* Hiscox "pays us" notes: very small everywhere */
.ways-note, .ways-note-inline, .ct-note, .est-fine, .disclosure-inline, .v2-cta-note, .cmp-fine, .cmp-foot a:not(.btn), .cta-note { font-size: .6875rem !important; line-height: 1.4 !important; opacity: .85; font-weight: 400 !important; }
.disclosure-inline { padding-left: 8px; }

/* Slim footer */
.site-footer--slim { background: var(--navy); color: #cfe0ff; padding: 26px 0 22px; }
.site-footer--slim .f-slim { display: flex; flex-wrap: wrap; gap: 14px 28px; align-items: center; justify-content: space-between; }
.site-footer--slim .footer-name { color: #fff; font-weight: 700; }
.site-footer--slim .fn-blue { color: #8db6ff; }
.site-footer--slim .f-links { display: flex; flex-wrap: wrap; gap: 8px 20px; list-style: none; margin: 0; padding: 0; }
.site-footer--slim .f-links a { color: #fff; font-size: .9375rem; text-decoration: none; }
.site-footer--slim .f-links a:hover { text-decoration: underline; }
.site-footer--slim .f-tiny { margin: 16px 0 0; font-size: .6875rem; line-height: 1.5; color: #9fb4d8; }
.site-footer--slim .f-tiny a { color: #cfe0ff; }

/* Hero art */
.h4-art { display: none; width: 220px; height: auto; margin: 0 0 14px; }
@media (min-width: 1500px) {
  .v4 .h4-hero-copy { position: relative; }
  .h4-art { display: block; position: absolute; right: -10px; top: -4px; width: 190px; }
}
@keyframes ill-float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
@keyframes ill-bob { 0%,100% { transform: translateY(0) rotate(0); } 50% { transform: translateY(-5px) rotate(-3deg); } }
.ill-float { animation: ill-float 5s ease-in-out infinite; }
.ill-bob { transform-box: fill-box; transform-origin: center; animation: ill-bob 4s ease-in-out infinite; }

/* Reveal */
.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
.js .reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .ill-float, .ill-bob { animation: none; } .js .reveal { opacity: 1; transform: none; transition: none; } }

/* Cover cards: swipe row on small screens, four across on desktop */
.cov-cards { position: relative; display: block; }
.cov-track { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 979px) {
  .cov-track { display: flex; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: none; padding: 4px 2px 18px; }
  .cov-track::-webkit-scrollbar { display: none; }
  .cov-track > .cov-card { flex: 0 0 min(270px, 80%); scroll-snap-align: start; }
}
.car-btn { display: none; position: absolute; top: 40%; width: 44px; height: 44px; border-radius: 50%; border: 0; background: #fff; color: var(--band-blue-dark); font-size: 1.2rem; font-weight: 700; cursor: pointer; box-shadow: 0 6px 18px rgba(4,22,60,.35); }
@media (min-width: 640px) and (max-width: 979px) { .car-btn { display: block; } }
.car-prev { left: -12px; } .car-next { right: -12px; }
.cov-ico { width: 56px; height: 56px; margin-bottom: 4px; }
.cov-card { transition: transform .2s ease; }

/* Compare your options */
.cmp-form { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; margin-bottom: 22px; }
@media (max-width: 700px) { .cmp-form { grid-template-columns: 1fr; } }
.cmp-form label { display: flex; flex-direction: column; gap: 6px; font-weight: 700; font-size: .875rem; color: var(--ink); }
.cmp-form select { font: inherit; font-weight: 400; font-size: 1rem; padding: 12px 14px; border: 1.5px solid #c8d4ea; border-radius: 10px; background: #fff; color: var(--ink); }
.cmp-cols { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
@media (max-width: 1000px) { .cmp-cols { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .cmp-cols { grid-template-columns: 1fr; } }
.cmp-col { position: relative; border: 2px solid #dbe5f7; border-radius: 16px; padding: 22px 18px 18px; background: #fff; display: flex; flex-direction: column; gap: 6px; }
.cmp-col.is-best { border-color: var(--band-blue); box-shadow: 0 14px 34px rgba(21,88,196,.2); }
.cmp-tag { position: absolute; top: -12px; left: 16px; background: var(--band-blue); color: #fff; font-size: .75rem; font-weight: 700; padding: 3px 12px; border-radius: 999px; }
.cmp-col h3 { margin: 0; font-size: 1.05rem; color: var(--band-blue-dark); }
.cmp-price { margin: 4px 0 0; font-family: 'Source Serif 4', Georgia, serif; font-size: 1.7rem; line-height: 1.1; color: var(--ink); }
.cmp-price span { font-family: 'Inter var', 'Inter', sans-serif; font-size: 1rem; color: var(--muted); }
.cmp-price small { font-family: 'Inter var', 'Inter', sans-serif; font-size: .9rem; color: var(--muted); margin-left: 2px; }
.cmp-year, .cmp-inc, .cmp-note { margin: 0; font-size: .9375rem; color: var(--ink-soft); }
.cmp-note { color: var(--muted); }
.cmp-bar { height: 10px; background: #e8f0fd; border-radius: 999px; overflow: hidden; margin: 6px 0; }
.cmp-bar i { display: block; height: 100%; width: var(--w, 50%); background: var(--band-blue); border-radius: 999px; animation: cmp-grow .7s ease both; }
@keyframes cmp-grow { from { width: 0; } }
.cmp-foot { display: flex; flex-wrap: wrap; gap: 12px 18px; align-items: center; margin: 22px 0 0; }
.cmp-fine { color: var(--muted); }

.cov-card .cov-price { display: block; font-size: 2.6rem; line-height: 1; font-weight: 400; }
.cov-card .cov-price small { font-size: 1rem; }
.cmpw .cmp-foot a.btn { background: var(--brand); color: #fff; padding: 12px 20px; border-radius: 10px; font-weight: 700; text-decoration: none; }
.v3.home .cov-card .cov-price { font-family: 'Source Serif 4', Georgia, serif; font-size: 2.6rem; color: var(--ink); }
.v3.home .cov-card .cov-price small { font-size: 1rem; color: var(--muted); }

/* ===== Hero motion ===== */
.v4 .h4-hero, .v4 .art-hero { position: relative; overflow: hidden; background-size: 100% 220%; animation: hero-shift 14s ease-in-out infinite alternate; }
@keyframes hero-shift { from { background-position: 0 0; } to { background-position: 0 100%; } }
.h4-hero > .container, .art-hero > .container { position: relative; z-index: 2; }
.h4-float { position: absolute; inset: 0; z-index: 1; pointer-events: none; }
.hf { position: absolute; width: 64px; height: 64px; padding: 8px; border-radius: 18px; background: rgba(255,255,255,.16); backdrop-filter: blur(2px); box-shadow: 0 10px 30px rgba(4,22,60,.25); animation: hf-float 6s ease-in-out infinite; }
.hf svg { width: 100%; height: 100%; display: block; }
.f1 { left: 4%; top: 14%; animation-delay: 0s; } .f2 { right: 5%; top: 12%; animation-delay: -1.2s; width: 76px; height: 76px; }
.f3 { left: 9%; bottom: 20%; animation-delay: -2.4s; width: 56px; height: 56px; } .f4 { right: 9%; bottom: 24%; animation-delay: -3.3s; }
.f5 { left: 20%; top: 6%; animation-delay: -4.2s; width: 48px; height: 48px; } .f6 { right: 21%; bottom: 8%; animation-delay: -5s; width: 52px; height: 52px; }
@keyframes hf-float { 0%,100% { transform: translateY(0) rotate(-4deg); } 50% { transform: translateY(-18px) rotate(5deg); } }
@media (max-width: 760px) { .f3, .f4, .f5, .f6 { display: none; } .hf { width: 44px; height: 44px; padding: 6px; opacity: .7; } .f1 { left: 2%; top: 3%; } .f2 { right: 2%; top: 3%; width: 48px; height: 48px; } }
/* entrance */
@keyframes rise { from { opacity: 0; transform: translateY(26px); } to { opacity: 1; transform: none; } }
.v4 .h4-eyebrow { animation: rise .6s ease both; }
.v4 .h4-hero h1 { animation: rise .7s .12s ease both; }
.v4 .h4-hero .lede { animation: rise .7s .25s ease both; }
.v4 .h4-hero .est { animation: rise .8s .4s ease both; }
.v4 .art-hero h1 { animation: rise .7s ease both; }
.v4 .h4-hero .est button[type="submit"], .v4 .h4-hero .est .btn-primary { animation: btn-pulse 2.6s ease-in-out 1.6s infinite; }
@keyframes btn-pulse { 0%,100% { box-shadow: 0 0 0 0 rgba(21,88,196,.5); } 60% { box-shadow: 0 0 0 12px rgba(21,88,196,0); } }
/* ticker */
.h4-tick { position: relative; z-index: 2; margin-top: 34px; overflow: hidden; white-space: nowrap; background: rgba(4,22,60,.28); color: #fff; padding: 12px 0; font-size: .9375rem; }
.h4-tick-in { display: inline-flex; animation: tick 34s linear infinite; }
.h4-tick-in span { padding-right: 0; }
.h4-tick b { font-weight: 700; }
@keyframes tick { to { transform: translateX(-50%); } }
.h4-tick:hover .h4-tick-in { animation-play-state: paused; }
@media (prefers-reduced-motion: reduce) {
  .hf, .h4-tick-in, .v4 .h4-hero, .v4 .art-hero, .v4 .h4-eyebrow, .v4 .h4-hero h1, .v4 .h4-hero .lede, .v4 .h4-hero .est, .v4 .art-hero h1, .v4 .h4-hero .est button { animation: none !important; }
}
/* Ticker = the four covers, moving */
.h4-tick { background: rgba(4,22,60,.32); padding: 14px 0; margin-top: 36px; }
.h4-tick-in { display: flex; width: max-content; animation: tick 32s linear infinite; }
.tk-set { display: flex; gap: 14px; padding-right: 14px; }
.tk-chip { display: inline-flex; align-items: center; gap: 10px; background: #fff; color: var(--ink); text-decoration: none; padding: 8px 18px 8px 10px; border-radius: 999px; box-shadow: 0 8px 22px rgba(4,22,60,.28); font-size: 1rem; white-space: nowrap; }
.tk-chip b { color: var(--band-blue-dark); }
.tk-ico { width: 38px; height: 38px; flex: none; display: block; }
.tk-ico svg { width: 100%; height: 100%; display: block; }
.tk-chip:hover { transform: translateY(-2px); }
.hf { display: none !important; }
/* Four covers moving along the bottom of the hero */
.h4-covers { position: relative; z-index: 2; overflow: hidden; margin-top: 40px; padding: 8px 0 14px; }
.h4-covers-in { display: flex; width: max-content; animation: covslide 40s linear infinite; }
@keyframes covslide { to { transform: translateX(calc(-1 * var(--cov-shift, 50%))); } }
.h4-covers:hover .h4-covers-in { animation-play-state: paused; }
.hc-set { display: flex; gap: 16px; padding-right: 16px; }
.hc-set .cov-card { flex: 0 0 270px; }
.h4-src { position: relative; z-index: 2; margin: 0; text-align: center; font-size: .75rem; color: #cfe0ff; }
.h4-src a { color: #fff; }
.h4-hero { padding-bottom: 22px !important; }
@media (prefers-reduced-motion: reduce) { .h4-covers-in { animation: none; } .h4-covers { overflow-x: auto; } }
/* Mobile "Get a real price": first cell no longer jammed against the top edge */
@media (max-width: 859px) { .v4 .ct--ways .ct-actions td[data-label="Online insurer"] { padding-top: 18px !important; } .v4 .ct--ways tbody tr { padding-top: 6px; } }
/* Cover cards: plain white all round, no coloured top edge */
.v3.home .cov-card, .cov-card, .hc-set .cov-card { border: 0 !important; border-top: 0 !important; background-image: none; }