#root{min-height:100vh;width:100%}.App{min-height:100vh;width:100%;background-color:#f8fafc}:root{--forest-900: #0b2f2a;--forest-700: #0f766e;--forest-500: #14b8a6;--ember-500: #ff6a3d;--ember-400: #ff8a5b;--impact-500: #b91c1c;--smoke-50: #f8fafc;--smoke-100: #eef2f7;--smoke-200: #e2e8f0;--slate-900: #0f172a}.story-page{position:relative}@media(min-width:900px){.story-page:before{content:"";position:absolute;top:6rem;bottom:6rem;left:clamp(1.5rem,6vw,4rem);width:2px;background:linear-gradient(180deg,#0f766e1a,#ff6a3d40,#0f766e1a);border-radius:999px;pointer-events:none}}[data-reveal]{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}[data-reveal].is-visible{opacity:1;transform:translateY(0)}@media(prefers-reduced-motion:reduce){[data-reveal]{opacity:1;transform:none;transition:none}}.story-hero{position:relative;overflow:hidden;background:url(/hero-wildfire.jpg) center/cover no-repeat;padding:clamp(5rem,12vh,8rem) 0 clamp(4rem,10vh,7rem);color:#f8fafc}.story-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,#0f172ae6,#0f172ab3 42%,#0f172a40 68%,#ff6a3d1f);z-index:0}.story-hero__inner{width:min(1200px,100%);margin:0 auto;padding:0 1.5rem;position:relative;z-index:2}.story-hero__grid{display:grid;gap:clamp(2rem,4vw,4rem);align-items:center}.story-hero__grid--single{grid-template-columns:1fr}.story-hero__copy{max-width:52rem}.story-hero .story-hero__eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:.72rem;font-weight:600;color:#f8fafcbf}.story-hero .story-hero__title{font-size:clamp(2.6rem,6vw,5.4rem);line-height:.95;color:#f8fafc;text-shadow:0 18px 30px rgba(15,23,42,.45);margin:0}.story-hero .story-hero__lead{font-size:clamp(1.1rem,2.4vw,1.5rem);color:#f8fafceb;text-shadow:0 10px 22px rgba(15,23,42,.35)}.story-hero__actions{display:flex;flex-direction:column;gap:.75rem}@media(min-width:640px){.story-hero__actions{flex-direction:row;align-items:center}}.story-hero .story-hero__cta{display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(120deg,#ff6a3d,#ff8a5b);color:#fff;border:none;padding:.95rem 2.1rem;min-height:3.1rem;font-size:.95rem;font-weight:700;border-radius:999px;text-transform:uppercase;letter-spacing:.05em;line-height:1;cursor:pointer;box-shadow:0 14px 30px #0f172a66,inset 0 1px #ffffff59;transition:transform .2s ease,box-shadow .2s ease,filter .2s ease}.story-hero .story-hero__cta:hover{filter:brightness(1.04);transform:translateY(-1px);box-shadow:0 16px 34px #0f172a73,inset 0 1px #fff6}.story-hero .story-hero__cta:active{transform:translateY(0)}.story-hero .story-hero__meta{font-size:.95rem;color:#e2e8f0cc}.story-hero__visual{position:relative;height:clamp(260px,40vw,420px)}.story-orb{position:absolute;border-radius:999px;filter:blur(.5px);animation:float 12s ease-in-out infinite}.story-orb--forest{width:70%;height:70%;top:12%;left:6%;animation-duration:14s;background:radial-gradient(circle at 35% 35%,#14b8a699,#0f766e33 50%,#0f766e00 70%)}.story-orb--ember{width:55%;height:55%;bottom:5%;right:0;animation-duration:11s;background:radial-gradient(circle at 40% 40%,#ff6a3db3,#ff6a3d33 55%,#ff6a3d00 75%)}.story-orb--smoke{width:40%;height:40%;top:0;right:25%;animation-duration:16s;background:radial-gradient(circle at center,#e2e8f0cc,#e2e8f000 70%)}.story-grid-line{position:absolute;inset:16% 12%;border-radius:40px;border:1px dashed rgba(15,118,110,.2)}@keyframes float{0%{transform:translateZ(0)}50%{transform:translate3d(0,-12px,0)}to{transform:translateZ(0)}}@media(prefers-reduced-motion:reduce){.story-orb{animation:none}}.story-hero__scroll{margin-top:clamp(2rem,6vh,3.5rem);font-size:.85rem;text-transform:uppercase;letter-spacing:.2em;color:#0f172a99}.story-section{position:relative;padding:clamp(3rem,8vh,6rem) 0}.story-section__inner{width:min(1200px,100%);margin:0 auto;padding:0 1.5rem;position:relative;z-index:1}.story-section__header{max-width:52rem;margin-bottom:clamp(2.5rem,6vh,4rem)}.story-section__eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.75rem;font-weight:600;color:var(--ember-500)}.story-section__variant{margin-top:.9rem;font-size:.75rem;text-transform:uppercase;letter-spacing:.2em;color:#0f172a8c}.story-section__variant{margin-top:1rem;font-size:.78rem;text-transform:uppercase;letter-spacing:.2em;color:#0f172a8c}.story-section .story-section__title{font-size:clamp(2rem,4vw,3.4rem);line-height:1.05;margin-top:.6rem;color:var(--slate-900)}.story-section .story-section__lead{font-size:clamp(1.05rem,2vw,1.35rem);color:#475569;margin-top:1rem}.story-problem{background:linear-gradient(180deg,#ffe8d6,#f7d4c4,#ece2ea 70%,#e0e9f4);padding-bottom:clamp(5rem,14vh,10rem)}.problem-intro{max-width:58rem;margin-bottom:clamp(2.5rem,6vh,4rem)}.problem-intro__kicker{text-transform:uppercase;letter-spacing:.18em;font-size:.75rem;font-weight:600;color:var(--ember-500)}.story-problem .problem-intro__title{font-size:clamp(2.2rem,5vw,3.6rem);line-height:1.05;margin:.6rem 0 .8rem;color:var(--slate-900)}.problem-intro__lead{font-size:clamp(1.05rem,2.2vw,1.4rem);color:#475569}.problem-scroll{display:grid;gap:clamp(2rem,6vw,4rem)}@media(min-width:960px){.problem-scroll{grid-template-columns:1.1fr .06fr .84fr;align-items:start}}.problem-scroll__graphic{position:sticky;top:clamp(5.5rem,16vh,9rem);height:min(600px,74vh);border-radius:32px;background:radial-gradient(circle at 20% 20%,rgba(255,214,199,.35),transparent 55%),#fff;border:1px solid rgba(148,163,184,.2);box-shadow:0 30px 60px #0f172a1f;overflow:hidden;display:flex;align-items:center;justify-content:center;transform:translateY(var(--parallax, 0px));will-change:transform;transition:transform .3s ease}@media(min-width:960px){.problem-scroll__graphic{margin-left:-3vw}}@media(max-width:959px){.problem-scroll__graphic{top:5rem;height:min(320px,52vh)}}.problem-scroll__progress{position:sticky;top:clamp(6rem,18vh,10rem);height:min(520px,68vh);display:flex;flex-direction:column;justify-content:center;align-items:center;gap:1.2rem}.problem-scroll__progress:before{content:"";position:absolute;width:2px;height:70%;background:#94a3b84d;border-radius:999px}.problem-progress__dot{position:relative;width:12px;height:12px;border-radius:999px;background:#fff;border:2px solid rgba(148,163,184,.5);transition:transform .3s ease,background .3s ease,border .3s ease;z-index:1}.problem-progress__dot.is-active{background:var(--ember-500);border-color:var(--ember-500);transform:scale(1.2);box-shadow:0 0 0 6px 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80%)}.problem-graphic--homes{background:radial-gradient(circle at 30% 20%,rgba(15,118,110,.18),transparent 65%)}.problem-graphic--insurance{background:radial-gradient(circle at 70% 30%,rgba(255,106,61,.2),transparent 65%)}.problem-graphic--ratio{background:radial-gradient(circle at 30% 30%,rgba(15,118,110,.2),transparent 65%)}.problem-graphic--ratio .problem-photo{object-fit:cover;transform:scale(calc(var(--problem-scene-scale, 1) * 1.08))}.problem-scroll__content{display:grid;gap:clamp(1.2rem,4vh,3rem)}.problem-scroll__content:after{content:"";display:block;height:clamp(2rem,6vh,4rem)}.problem-panel__media{display:none;margin-bottom:1.2rem;border-radius:24px;overflow:hidden;background:#fff;aspect-ratio:4 / 3;box-shadow:0 18px 36px #0f172a14}.problem-panel__image{width:100%;height:100%;display:block;object-fit:cover}.problem-panel__media--ratio .problem-panel__image{object-fit:cover;transform:scale(1.06)}.problem-panel{min-height:clamp(22rem,68vh,36rem);position:relative;display:flex;flex-direction:column;justify-content:center;gap:.4rem;padding:clamp(2.2rem,7vh,4.6rem) 0 clamp(2.2rem,7vh,4.6rem) 1.2rem;border-top:1px solid rgba(148,163,184,.25);transition:opacity .3s ease}.problem-panel:first-child{border-top:0}.problem-panel.is-visible{opacity:.65}.problem-panel.is-visible.is-active{opacity:1}.problem-panel:before{content:"";position:absolute;left:0;top:18%;bottom:18%;width:3px;border-radius:999px;background:#94a3b840;opacity:.5}.problem-panel.is-active:before{background:var(--ember-500);opacity:1}.problem-illustration{width:100%;height:auto;display:block;filter:drop-shadow(0 18px 24px 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span{font-weight:700;color:var(--ember-500);margin-right:.2rem}.problem-mini-card--accent{background:#b91c1c14;border-color:#b91c1c59}.problem-mini-card--accent span{color:var(--impact-500)}@media(max-width:959px){.problem-scroll{gap:1.8rem}.problem-scroll__graphic{display:none}.problem-scroll__content{gap:1.6rem}.problem-scroll__content:after{height:1.5rem}.problem-panel{min-height:auto;padding:1.6rem 1.4rem;border-top:0;border-radius:24px;background:#ffffffe6;border:1px solid rgba(148,163,184,.2);box-shadow:0 18px 36px #0f172a14;opacity:1}.problem-panel__media{display:block}.problem-panel:before{display:none}.problem-panel.is-visible{opacity:1}}.ill-coin{fill:#fff7ed;stroke:#ffbba3;stroke-width:4;stroke-linecap:round;stroke-linejoin:round}.ill-ruffle{fill:#ffe2d6;stroke:#ff9f79;stroke-width:4;stroke-linecap:round;stroke-linejoin:round}.ill-tie{fill:#f97316;stroke:#ea580c;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}.ill-bag{fill:url(#bagGlow);stroke:#f97316;stroke-width:4;stroke-linecap:round;stroke-linejoin:round}.ill-knot{fill:#f97316}.ill-dollar{font-size:28px;font-weight:700;fill:#f97316}.ill-dollar--large{font-size:48px;font-weight:800;fill:#ff6a3d}.ill-roof{fill:#111827;stroke:#111827;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.ill-house{fill:url(#burnGlow);stroke:#0f172a;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.ill-door{fill:#1f2937;stroke:#0f172a;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.ill-head{fill:#f9d2c0;stroke:#eab29c;stroke-width:2}.ill-body{stroke:#475569;stroke-width:6;fill:none;stroke-linecap:round;stroke-linejoin:round}.ill-smoke{stroke:#94a3b8;stroke-width:6;fill:none;stroke-linecap:round;stroke-linejoin:round;opacity:.7}.ill-shield{fill:#f8fafc;stroke:#94a3b8;stroke-width:4;stroke-linecap:round;stroke-linejoin:round}.ill-shield-left{transform:translate(-6px) 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