.insurance-premium-page .page-hero{background:linear-gradient(90deg,#fffaf0 0%,#fff8ec 47%,#f7efe2 100%)}
.insurance-premium-page .page-hero-grid{grid-template-columns:.92fr 1.08fr;min-height:520px;padding:54px 0;gap:min(6vw,100px)}
.insurance-premium-page .page-hero-copy{max-width:760px}
.insurance-premium-page .page-hero h1{font-size:clamp(62px,6.1vw,108px);max-width:820px}
.insurance-premium-page .page-lead{max-width:700px;font-size:16px}
.insurance-hero-photo{height:430px;background:linear-gradient(90deg,rgba(255,248,236,.12),rgba(0,55,42,.08)),url('/assets/media/coverage-auto-miami.webp') center/cover;box-shadow:0 25px 70px rgba(59,43,22,.14)}
.insurance-hero-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(251,246,236,.12),transparent 30%,rgba(0,63,48,.08));pointer-events:none}
.insurance-hero-badge{position:absolute;left:24px;bottom:23px;z-index:2;display:inline-flex;align-items:center;gap:8px;background:rgba(0,76,56,.91);color:#fff;border-radius:999px;padding:9px 14px;font-family:var(--ramco-sans);font-size:9px;font-weight:800;letter-spacing:.08em}
.insurance-lines-section{padding:74px 0 92px;background:#fffdfa}
.insurance-lines-heading{text-align:center;max-width:850px;margin:0 auto 34px}
.insurance-lines-heading .gold-label{display:block}
.insurance-lines-heading h2{font-family:var(--ramco-display)!important;font-size:clamp(44px,4.4vw,72px);line-height:.98;color:#07503d;margin:8px 0 0;font-weight:600;letter-spacing:-.04em}
.insurance-photo-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:16px}
.insurance-photo-card{position:relative;min-height:360px;border:1px solid #d8cdbb;border-radius:22px;overflow:hidden;background:#d9ddd7;box-shadow:0 15px 38px rgba(46,42,31,.08);isolation:isolate;transition:transform .2s ease,box-shadow .2s ease}
.insurance-photo-card:hover{transform:translateY(-3px);box-shadow:0 22px 48px rgba(46,42,31,.13)}
.insurance-photo-card.commercial,.insurance-photo-card.home{grid-column:span 3;min-height:470px}.insurance-photo-card.vehicle,.insurance-photo-card.life,.insurance-photo-card.health{grid-column:span 2;min-height:355px}

.insurance-card-image{position:absolute;inset:0;background-size:cover;background-position:center;transition:transform .45s ease}
.insurance-photo-card:hover .insurance-card-image{transform:scale(1.025)}
.insurance-photo-card.vehicle .insurance-card-image{background-image:url('/assets/media/coverage-auto-miami.webp');background-position:center 58%}
.insurance-photo-card.home .insurance-card-image{background-image:url('/assets/media/coverage-home-miami.webp');background-position:center}
.insurance-photo-card.commercial .insurance-card-image{background-image:url('/assets/media/coverage-commercial-miami.webp');background-position:center}
.insurance-photo-card.life .insurance-card-image{background-image:url('/assets/media/coverage-life-miami.webp');background-position:center 38%}
.insurance-photo-card.health .insurance-card-image{background-image:url('/assets/media/coverage-health-miami.webp');background-position:center 42%;filter:saturate(.94) brightness(1.01)}
.insurance-card-shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(4,54,42,.03) 28%,rgba(4,48,38,.26) 54%,rgba(2,38,30,.92) 100%);z-index:1}
.insurance-photo-card.commercial .insurance-card-shade{background:linear-gradient(180deg,rgba(255,255,255,0) 20%,rgba(4,48,38,.20) 50%,rgba(2,38,30,.94) 100%)}
.insurance-card-icon{position:absolute;left:20px;top:20px;z-index:3;width:45px;height:45px;border-radius:50%;display:grid;place-items:center;background:rgba(0,76,56,.94);border:1px solid rgba(230,192,103,.7);color:#f0c96d;font-size:19px;box-shadow:0 8px 20px rgba(0,0,0,.14)}
.insurance-card-content{position:absolute;left:0;right:0;bottom:0;z-index:3;padding:25px 24px 22px;color:#fff}
.insurance-card-content h3{font-family:var(--ramco-display)!important;font-size:clamp(32px,2.7vw,46px);line-height:.95;margin:0 0 14px;font-weight:600;letter-spacing:-.035em;text-shadow:0 2px 18px rgba(0,0,0,.18)}
.insurance-card-links{display:flex;flex-wrap:wrap;gap:7px}
.insurance-card-links a{display:inline-flex;align-items:center;min-height:31px;padding:7px 11px;border-radius:999px;background:rgba(255,253,248,.94);border:1px solid rgba(255,255,255,.72);color:#164b3c;font-family:var(--ramco-sans);font-size:9px;font-weight:800;box-shadow:0 4px 14px rgba(0,0,0,.08);transition:.16s ease}
.insurance-card-links a:hover{background:#fff;color:#94131b;transform:translateY(-1px)}
.insurance-photo-card.health .insurance-card-content{max-width:92%}
.insurance-photo-card.health .insurance-card-shade{background:linear-gradient(180deg,rgba(0,70,54,.03) 20%,rgba(4,61,47,.20) 50%,rgba(2,43,34,.94) 100%)}
.insurance-market-section{padding:72px 0;background:#f7f0e4;border-top:1px solid #e2d7c5}
.insurance-market-inner{display:grid;grid-template-columns:.8fr 1.2fr;gap:55px;align-items:start}
.insurance-market-copy h2{font-family:var(--ramco-display)!important;font-size:clamp(42px,4vw,66px);line-height:.98;color:#07503d;margin:8px 0 15px;font-weight:600;letter-spacing:-.04em}
.insurance-market-copy p{font-size:13px;line-height:1.7;color:#68716c;max-width:650px}
.insurance-market-rail{display:flex;gap:9px;flex-wrap:wrap;align-content:start;padding-top:8px}
.insurance-market-rail span{padding:9px 12px;border:1px solid #dacfbf;border-radius:999px;background:#fff;color:#31584a;font-family:var(--ramco-sans);font-size:9px;font-weight:800}
.insurance-market-note{font-size:9px!important;color:#807a71!important;margin-top:18px!important}
.insurance-premium-page .page-cta{padding:62px 0}
@media(max-width:1180px){.insurance-premium-page .page-hero-grid{grid-template-columns:1fr;gap:34px}.insurance-hero-photo{height:390px}.insurance-photo-card.commercial,.insurance-photo-card.home{grid-column:span 3}.insurance-photo-card.vehicle,.insurance-photo-card.life,.insurance-photo-card.health{grid-column:span 3}.insurance-market-inner{grid-template-columns:1fr;gap:24px}}
@media(max-width:780px){.insurance-premium-page .page-hero-grid{padding:42px 0}.insurance-premium-page .page-hero h1{font-size:58px}.insurance-hero-photo{height:300px;border-radius:18px}.insurance-lines-section{padding:58px 0 70px}.insurance-photo-grid{grid-template-columns:1fr}.insurance-photo-card.vehicle,.insurance-photo-card.home,.insurance-photo-card.commercial,.insurance-photo-card.life,.insurance-photo-card.health{grid-column:1;min-height:340px}.insurance-card-content{padding:22px 19px 19px}.insurance-card-content h3{font-size:36px}.insurance-market-section{padding:58px 0}}

/* SPECIALTY PRIORITY */
.insurance-photo-card.commercial{order:1}.insurance-photo-card.home{order:2}.insurance-photo-card.vehicle{order:3}.insurance-photo-card.life{order:4}.insurance-photo-card.health{order:5}.insurance-photo-card.commercial .insurance-card-content h3,.insurance-photo-card.home .insurance-card-content h3{font-size:clamp(40px,3.4vw,58px)}.insurance-photo-card.commercial .insurance-card-icon,.insurance-photo-card.home .insurance-card-icon{width:52px;height:52px;font-size:22px}.insurance-photo-card.commercial,.insurance-photo-card.home{box-shadow:0 20px 52px rgba(26,49,41,.13)}

.insurance-photo-card.marine{grid-column:span 3;min-height:355px;order:4}
.insurance-photo-card.vehicle{grid-column:span 3!important}
.insurance-photo-card.life{grid-column:span 3!important;order:5!important}
.insurance-photo-card.health{grid-column:span 3!important;order:6!important}
.insurance-photo-card.marine .insurance-card-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block;transition:transform .45s ease}
.insurance-photo-card.marine:hover .insurance-card-video{transform:scale(1.025)}
.insurance-photo-card.marine .insurance-card-shade{background:linear-gradient(180deg,rgba(2,52,48,.03) 18%,rgba(2,59,50,.22) 52%,rgba(2,38,34,.94) 100%)}
@media(max-width:1180px){.insurance-photo-card.marine{grid-column:span 3}}
@media(max-width:780px){.insurance-photo-card.marine{grid-column:1;min-height:340px}.insurance-photo-card.vehicle,.insurance-photo-card.life,.insurance-photo-card.health{grid-column:1!important}}

/* RAMCO LOCAL CARRIER LOGOS + MARINE PHOTO */
.insurance-photo-card.marine{background:#0a5948 url('/assets/media/boat-marine-stock.svg') center/cover no-repeat!important}
.insurance-photo-card.marine .insurance-card-video{display:none!important}
.insurance-market-section .carrier-monogram{width:118px!important;height:46px!important;flex:0 0 118px!important;border-radius:0!important;background-color:transparent!important;background-position:center!important;background-repeat:no-repeat!important;background-size:contain!important;color:transparent!important;font-size:0!important}
.insurance-market-section .insurance-carrier-logo:nth-child(1) .carrier-monogram{background-image:url('/assets/carriers/progressive.svg')!important}
.insurance-market-section .insurance-carrier-logo:nth-child(2) .carrier-monogram{background-image:url('/assets/carriers/citizens.png')!important}
.insurance-market-section .insurance-carrier-logo:nth-child(3) .carrier-monogram{background-image:url('/assets/carriers/slide.png')!important}
.insurance-market-section .insurance-carrier-logo:nth-child(4) .carrier-monogram{background-image:url('/assets/carriers/universal.png')!important}
.insurance-market-section .insurance-carrier-logo:nth-child(5) .carrier-monogram{background-image:url('/assets/carriers/heritage.png')!important}
.insurance-market-section .insurance-carrier-logo:nth-child(6) .carrier-monogram{background-image:url('/assets/carriers/safepoint.png')!important}
.insurance-market-section .insurance-carrier-logo:nth-child(7) .carrier-monogram{background-image:url('/assets/carriers/national-general.png')!important}
.insurance-market-section .insurance-carrier-logo:nth-child(8) .carrier-monogram{background-image:url('/assets/carriers/bristol-west.png')!important}
.insurance-market-section .carrier-name{flex:1;min-width:0}
@media(max-width:560px){.insurance-market-section .carrier-monogram{width:104px!important;flex-basis:104px!important}}