/* Continuous right-hand image column; native sticky image follows the full article. */
.mc-insurance-page{--ir-wine:#701c27;--ir-paper:#f4f1ed;--ir-line:#dcd7d2;--ir-muted:#62676d;--ir-header-height:132px;display:grid;grid-template-columns:minmax(0,2fr) minmax(0,1fr);align-items:stretch;background:var(--ir-paper)}
.ir-content{grid-column:1;grid-row:1;min-width:0;background:#fff}
.ir-image-column{grid-column:2;grid-row:1;min-width:0;position:relative;background:#e8e2d9}
.ir-image{position:sticky;top:var(--ir-header-height);height:calc(100vh - var(--ir-header-height));height:calc(100dvh - var(--ir-header-height));margin:0;width:100%;overflow:hidden}
.ir-image img{display:block;width:100%;height:100%;object-fit:cover;object-position:50% 58%}
.ir-panel{padding:64px clamp(30px,5.2vw,96px)}
.mc-insurance-page p{font-size:16px;line-height:1.9;color:var(--ir-muted);margin:0 0 22px}
.mc-insurance-page .ir-kicker{font-size:10px;font-weight:700;letter-spacing:.14em;line-height:1.8;color:var(--ir-wine);margin:0 0 22px}
.mc-insurance-page h2{font-size:clamp(29px,3.1vw,43px);line-height:1.12;letter-spacing:-.04em;margin:0 0 26px}
.mc-insurance-page h3{font-size:20px;line-height:1.35;letter-spacing:-.025em;margin:0 0 14px}
.mc-insurance-page :is(a,summary):focus-visible{outline:3px solid #a81820;outline-offset:6px}
.ir-hero{background:var(--ir-paper);min-height:660px;display:flex;flex-direction:column;align-items:flex-start;justify-content:center;padding-block:70px 38px}
.ir-hero h1{font-size:clamp(38px,4.35vw,66px);line-height:1.06;letter-spacing:-.05em;font-weight:600;margin:0 0 30px}
.ir-hero h1 em{font-family:Georgia,'Times New Roman',serif;color:var(--ir-wine);font-weight:400;letter-spacing:-.04em}
.ir-hero .ir-intro{font-size:17px;line-height:1.85;max-width:610px}
.ir-actions{display:flex;flex-wrap:wrap;align-items:center;gap:18px 26px;margin-top:6px}
.ir-button{display:inline-flex;align-items:center;justify-content:space-between;gap:24px;background:var(--ir-wine);color:#fff;text-decoration:none;padding:16px 20px;min-height:52px;font-size:12px;font-weight:700;line-height:1.6;transition:background .2s}
.ir-button:hover{background:#8b2835}.ir-button-light{background:#fff;color:var(--ir-wine)}.ir-button-light:hover{background:#efdddd}
.ir-text-link{display:inline-flex;gap:18px;align-items:center;font-size:12px;font-weight:600;color:inherit;text-decoration:none;border-bottom:1px solid currentColor;padding-block:12px;line-height:1.7}
.ir-text-link:hover{text-decoration:underline;text-underline-offset:5px}
.ir-trust{display:flex;flex-wrap:wrap;gap:8px 20px;list-style:none;margin:36px 0 0;padding:24px 0 0;border-top:1px solid var(--ir-line);width:100%}
.ir-trust li{font-size:10px;color:var(--ir-muted);line-height:1.7}
.ir-summary p:last-child{font-size:17px;color:#17202a;margin:0}
.ir-emergency{background:var(--ir-wine);color:white;padding-block:38px}
.ir-emergency .ir-kicker,.ir-close .ir-kicker{color:#edbcc2}
.ir-emergency h2{font-size:32px;margin-bottom:18px}
.ir-emergency p,.ir-close p{color:#f0e0e3}.ir-emergency p{font-size:14px}
.ir-emergency-call{display:flex;align-items:center;justify-content:space-between;gap:15px;flex-wrap:wrap;padding-top:15px;border-top:1px solid #aa6972}
.ir-emergency-call a{display:inline-flex;gap:22px;align-items:center;color:#fff;text-decoration:none;font-size:29px;font-weight:600;letter-spacing:-.035em}
.ir-emergency-call>span{font-size:10px;color:#edbcc2}
.ir-services{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:30px;margin:32px 0}
.ir-services article{border-top:1px solid var(--ir-line);padding-top:20px}
.ir-services h3{font-size:18px}.ir-services a{color:#17202a;text-decoration:none;display:flex;justify-content:space-between;align-items:center;gap:12px}.ir-services a span{color:var(--ir-wine)}.ir-services a:hover{color:var(--ir-wine)}
.ir-services p{font-size:14px;line-height:1.8;margin-bottom:0}
.mc-insurance-page .ir-note{font-size:13px;line-height:1.85;margin-bottom:0}
.ir-process{background:var(--ir-paper)}
.ir-steps{list-style:none;padding:0;margin:30px 0 12px}
.ir-steps li{display:grid;grid-template-columns:30px minmax(0,1fr);gap:20px;padding:25px 0;border-top:1px solid var(--ir-line)}
.ir-number{font-size:11px;font-weight:700;color:var(--ir-wine);padding-top:4px}
.ir-steps p{font-size:15px;line-height:1.85;margin:0}
.ir-roles{background:#17202a;color:#fff}
.ir-roles .ir-kicker{color:#edbcc2}.ir-roles p{color:#d8dde2}.ir-role-list{margin:28px 0}
.ir-role-list article{border-top:1px solid #5b6874;padding-top:24px;margin-top:24px}.ir-role-list h3{font-size:19px}.ir-role-list p{font-size:14px;margin:0}
.ir-roles .ir-note{padding-top:20px;border-top:1px solid #5b6874}
.ir-source{display:flex;gap:14px;align-items:center;font-size:10px;line-height:1.8;color:#c0cbd4;text-underline-offset:4px;margin:18px 0 20px}
.ir-ready ul{padding:0;margin:26px 0;list-style:none}
.ir-ready li{position:relative;padding:16px 0 16px 26px;border-top:1px solid var(--ir-line);font-size:15px;line-height:1.85;color:var(--ir-muted)}
.ir-ready li::before{content:'→';position:absolute;left:0;color:var(--ir-wine)}
.ir-john{background:var(--ir-paper)}
.ir-john-person{display:flex;align-items:center;gap:25px;margin-top:28px}
.ir-john-person img{display:block;width:105px;height:132px;object-fit:cover;object-position:53% 45%;flex-shrink:0}
.ir-john-person strong{display:block;font-size:20px;line-height:1.3;letter-spacing:-.025em}.ir-john-person>div>span{display:block;font-size:11px;color:var(--ir-muted);margin-top:7px}.ir-john-person .ir-text-link{font-size:11px;color:var(--ir-wine);margin-top:4px}
.ir-faq details{border-top:1px solid var(--ir-line)}.ir-faq details:last-child{border-bottom:1px solid var(--ir-line)}
.ir-faq summary{display:flex;align-items:center;justify-content:space-between;gap:22px;list-style:none;cursor:pointer;font-size:16px;font-weight:600;line-height:1.55;padding:24px 0}
.ir-faq summary::-webkit-details-marker{display:none}.ir-faq summary>span{font-size:24px;line-height:1;color:var(--ir-wine);font-weight:400;transition:transform .2s;flex-shrink:0}.ir-faq details[open] summary>span{transform:rotate(45deg)}.ir-faq details>p{font-size:14px;padding-right:20px;margin:0 0 24px}
.ir-related{padding-block:0 50px;display:flex;flex-wrap:wrap;gap:8px 22px}.ir-related .ir-kicker{width:100%;margin-bottom:9px}.ir-related>a{font-size:11px;line-height:1.6;display:inline-flex;align-items:center;gap:15px;color:#17202a;text-decoration:none;padding-block:10px;border-bottom:1px solid var(--ir-line)}.ir-related>a:hover{color:var(--ir-wine)}
.ir-close{background:var(--ir-wine);color:white;padding-block:54px}.ir-close h2{font-size:clamp(32px,3.5vw,48px)}.ir-close .ir-text-link{color:#fff}
@media(max-width:1100px){.mc-insurance-page{--ir-header-height:116px}.ir-panel{padding-inline:32px}.ir-hero h1{font-size:clamp(35px,4.3vw,49px)}.ir-hero{min-height:620px}.ir-services{gap:26px}.ir-trust{gap:8px 14px}}
@media(max-width:760px){.mc-insurance-page{grid-template-columns:1fr}.ir-content{grid-column:1;grid-row:2}.ir-image-column{grid-column:1;grid-row:1}.ir-image{position:relative;top:auto;height:420px}.ir-image img{object-position:50% 56%}.ir-panel{padding:48px 24px}.ir-hero{min-height:0;padding-top:42px;padding-bottom:30px}.ir-hero h1{font-size:clamp(35px,6.8vw,48px)}.ir-hero .ir-intro{font-size:16px}.ir-actions{gap:15px 22px}.ir-button{font-size:11px;gap:17px}.ir-trust{margin-top:28px;padding-top:20px}.mc-insurance-page h2{font-size:31px}.mc-insurance-page p{font-size:15px}.ir-summary p:last-child{font-size:16px}.ir-services{gap:28px 24px}.ir-services h3{font-size:17px}.ir-services p{font-size:13px}.ir-emergency{padding-block:32px}.ir-emergency-call{gap:12px}.ir-emergency-call a{font-size:27px}.ir-emergency-call>span{width:100%}.ir-steps li{grid-template-columns:22px minmax(0,1fr);gap:15px}.ir-steps h3{font-size:19px}.ir-steps p{font-size:14px}.ir-john-person{gap:20px}.ir-john-person img{width:82px;height:115px}.ir-john-person strong{font-size:18px}.ir-john-person .ir-text-link{font-size:10px;gap:10px}.ir-faq summary{font-size:15px}.ir-related{padding-top:0;padding-bottom:42px}.ir-close{padding-block:45px}}
@media(max-width:420px){.ir-services{grid-template-columns:1fr;gap:24px}.ir-image{height:370px}.ir-john-person{align-items:flex-start}.ir-john-person .ir-text-link{align-items:flex-start}}
@media(max-width:360px){.ir-hero h1{font-size:31px}.ir-john-person{gap:14px}.ir-john-person strong{font-size:16px}.ir-button{padding-inline:16px}}
@media(prefers-reduced-motion:reduce){.mc-insurance-page *{transition:none!important}}
@media print{.mc-insurance-page{display:block}.ir-image-column{display:none}}