/* IBL Finance — service collection, September 2026. */
.service-intro{background:var(--cream);padding:36px 0 66px}.service-intro .crumb{margin-bottom:36px}.service-intro-grid{display:grid;grid-template-columns:1fr 1.05fr;align-items:center;gap:58px}.service-intro h1{font-size:clamp(38px,4.2vw,63px);margin:20px 0 24px;overflow-wrap:break-word}.service-intro .lead{font-size:19px;line-height:1.7;margin-bottom:30px}.service-visual{margin:0;position:relative}.service-visual:after{content:'';position:absolute;right:-12px;bottom:-12px;width:40%;height:5px;background:var(--wine)}.service-visual img{display:block;width:100%;aspect-ratio:3/2;object-fit:cover}.service-columns{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(0,1fr);gap:80px}.service-body h2{font-size:35px;margin-top:20px}.service-summary{font-size:18px;line-height:1.9;color:var(--muted)}.focus-list{list-style:none;padding:0;margin:30px 0 54px;display:grid;grid-template-columns:1fr 1fr;gap:18px 30px}.focus-list li{border-top:1px solid var(--line);padding-top:16px;font-size:15px}.focus-list li:before{content:'—';color:var(--wine);display:block;margin-bottom:4px}.output-list{list-style:none;counter-reset:outputs;padding:0;margin:25px 0}.output-list li{counter-increment:outputs;position:relative;padding:16px 0 16px 48px;border-bottom:1px solid var(--line)}.output-list li:before{content:counter(outputs,decimal-leading-zero);position:absolute;left:0;color:var(--wine);font-family:Georgia,serif;font-size:24px}.service-brief{align-self:start;padding:34px;background:var(--cream);border-top:3px solid var(--wine)}.service-brief h3{margin-top:28px;font-size:20px}.service-brief p{color:var(--muted);font-size:15px;line-height:1.8}.service-brief .text-link{display:inline-block;margin-top:12px}.experience-section{background:var(--navy);color:white;padding:72px 0}.experience-grid{display:grid;grid-template-columns:1fr 1.35fr;gap:90px}.experience-section .eyebrow{color:#e1ab9d}.experience-section h2{font-size:40px}.experience-section p{color:#d6d6df;font-size:17px;line-height:1.85}.experience-section .text-link{border-color:#9c9dac;color:white;display:inline-block}.experience-section .perspective{border-left:2px solid #bd7768;padding-left:25px;margin-top:26px;margin-bottom:0;color:white}.guide-callout{display:flex;gap:36px;justify-content:space-between;align-items:center;padding:60px 0;border-bottom:1px solid var(--line)}.guide-callout h2{font-size:31px}.guide-callout p{color:var(--muted);max-width:660px}.guide-callout .text-link{flex-shrink:0}.service-gallery{padding-top:48px;padding-bottom:48px}.related-section{background:#faf9f7}.related-section h2{font-size:38px}.related-section .section-head{grid-template-columns:1fr auto}.expertise-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px}.expertise-card{display:flex;flex-direction:column;background:white;border:1px solid #e2dfda;min-width:0;transition:box-shadow .2s,transform .2s}.expertise-card:hover{box-shadow:0 12px 30px #191b3014;transform:translateY(-3px)}.card-image{overflow:hidden;aspect-ratio:3/2;background:var(--cream)}.card-image img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .5s}.expertise-card:hover img{transform:scale(1.035)}.card-copy{padding:25px;flex:1;display:flex;flex-direction:column}.card-copy h3{font-family:Georgia,serif;font-size:26px;line-height:1.2;font-weight:400;margin-bottom:14px;overflow-wrap:break-word}.card-copy p{font-size:14px;color:var(--muted);line-height:1.75}.card-action{display:flex;justify-content:space-between;gap:16px;color:var(--wine);font-size:13px;margin-top:auto;padding-top:15px}.card-action span{font-size:22px;line-height:1}.studio-cta{padding:65px 0;background:var(--cream)}.studio-cta .wrap{display:flex;justify-content:space-between;gap:55px;align-items:center}.studio-cta h2{font-size:42px;margin:12px 0 18px}.studio-cta p{max-width:690px;color:var(--muted);margin:0}.studio-cta .btn{flex-shrink:0}.illustration-note{font-size:11px;color:#757582;padding:18px 0;margin-bottom:0}.expertise-hero{padding:75px 0 48px;background:var(--navy);color:white}.expertise-hero .eyebrow{color:#e1ab9d}.expertise-hero h1{max-width:900px;font-size:clamp(44px,5.6vw,80px);margin:24px 0}.expertise-hero .lead{max-width:680px;color:#d4d5df;font-size:20px}.expertise-intro-line{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #494b60;padding-top:24px;margin-top:45px;color:#d4d5df;font-size:13px;letter-spacing:.05em}.directory-tools{padding-top:62px;padding-bottom:20px}.directory-tools h2{font-size:38px;max-width:750px}.service-search{display:block;font-size:13px;color:var(--muted);max-width:620px;margin-top:30px}.service-search input{display:block;width:100%;font:16px Arial,Helvetica,sans-serif;padding:16px;background:#fff;border:1px solid #bbbcc5;margin-top:8px;border-radius:0;color:var(--navy)}.category-nav{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.category-nav a{border:1px solid var(--wine);padding:9px 15px;font-size:13px;background:var(--wine);color:#fff;transition:background .2s,border-color .2s}.category-nav a:hover{background:#71322c;border-color:#71322c;color:#fff}.category-nav a:focus-visible{outline:2px solid var(--wine);outline-offset:3px}.directory-group{padding-top:55px;padding-bottom:35px;scroll-margin-top:130px}.directory-group:last-of-type{padding-bottom:80px}.directory-heading{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:end;margin-bottom:30px;border-bottom:1px solid var(--line);padding-bottom:10px}.directory-heading h2{font-size:40px}.directory-heading p{font-size:16px;color:var(--muted)}[hidden]{display:none!important}.home-expertise{background:var(--cream)}.insurer-section{padding:54px 0}.insurer-section h2{font-size:36px}.insurer-section>p{color:var(--muted);max-width:820px}.insurer-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:25px}.insurer-grid>article,.insurer-grid>div{padding:26px;border:1px solid var(--line);min-width:0}.insurer-grid img{width:auto;max-width:100%;height:60px;object-fit:contain;margin-bottom:18px}.insurer-grid a{color:var(--wine)}
@media(max-width:1050px){.service-intro-grid{gap:35px}.service-intro h1{font-size:42px}.service-columns{gap:40px}.experience-grid{gap:45px}.card-copy{padding:22px}.card-copy h3{font-size:24px}}
@media(max-width:800px){.service-intro-grid{grid-template-columns:1fr;gap:40px}.service-intro h1{max-width:680px;font-size:48px}.service-visual{max-width:680px}.service-intro{padding-bottom:50px}.service-columns,.experience-grid{grid-template-columns:1fr;gap:36px}.service-brief{max-width:680px}.experience-section{padding:55px 0}.experience-section h2{max-width:650px}.expertise-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.directory-heading{grid-template-columns:1fr;gap:0}.directory-heading h2{font-size:36px}.studio-cta .wrap{flex-direction:column;align-items:flex-start;gap:26px}.guide-callout{flex-direction:column;align-items:flex-start;gap:10px}.insurer-grid{grid-template-columns:1fr}.related-section .section-head{grid-template-columns:1fr;gap:0}}
@media(max-width:520px){.service-intro{padding-top:24px}.service-intro .crumb{margin-bottom:28px;font-size:11px}.service-intro h1{font-size:39px}.service-intro .lead{font-size:18px}.service-intro-grid{gap:34px}.service-visual:after{right:0}.service-body h2{font-size:31px}.service-summary{font-size:17px}.focus-list{grid-template-columns:1fr;gap:12px;margin-bottom:40px}.service-brief{padding:27px}.experience-section h2{font-size:34px}.experience-section p{font-size:16px}.expertise-grid{grid-template-columns:1fr;gap:26px}.card-copy h3{font-size:28px}.card-copy{padding:26px}.expertise-hero{padding:48px 0 32px}.expertise-hero h1{font-size:43px}.expertise-hero .lead{font-size:18px}.expertise-intro-line{flex-direction:column;gap:8px;margin-top:30px}.directory-tools{padding-top:40px}.directory-tools h2{font-size:33px}.directory-group{padding-top:42px;padding-bottom:12px}.directory-heading h2{font-size:33px}.category-nav{gap:8px}.category-nav a{font-size:12px;padding:8px 11px}.studio-cta h2{font-size:35px}.guide-callout{padding:40px 0}.illustration-note{font-size:10px}.output-list li{font-size:15px}}
@media(prefers-reduced-motion:reduce){.expertise-card:hover{transform:none}.expertise-card:hover img{transform:none}}

/* Numbered service directory */
.directory-group .card-copy{padding:26px;gap:0}
.service-number{display:inline-flex;align-items:center;justify-content:center;align-self:flex-start;min-width:48px;height:42px;padding:0 12px;margin-bottom:20px;background:var(--wine);color:#fff;font:700 20px/1 Arial,Helvetica,sans-serif;letter-spacing:.04em}
.directory-group .card-copy h3{font-family:Arial,Helvetica,sans-serif;font-weight:700;font-size:25px;line-height:1.3;letter-spacing:-.025em;color:var(--navy);margin-bottom:17px}
.directory-group .card-copy p{font-size:15px;line-height:1.8;color:#555b69}
.directory-heading h2{font-weight:700}
@media(max-width:1050px){.directory-group .card-copy h3{font-size:23px}}
@media(max-width:520px){.directory-group .card-copy h3{font-size:25px}.service-number{margin-bottom:18px}}