/* Converted from top-four-ai-digital-insurance.html */

@import url("https://fonts.googleapis.com/css2?family=Space+Grotesk:wght@400;500;600;700&family=Inter:wght@400;500;600;700;800&family=IBM+Plex+Mono:wght@400;500;600&display=swap");


.ib-universal-topbar{height:70px;background:#fff;border-bottom:1px solid #e6e6e6;position:relative;z-index:9999;font-family:Inter,Arial,sans-serif}
.ib-universal-nav{height:100%;display:flex;align-items:center;justify-content:center;gap:44px;padding:0 28px}
.ib-universal-nav>a,.ib-universal-trigger{font-size:18px;line-height:1;color:#5f6067;font-weight:500;white-space:nowrap;text-decoration:none;transition:color .2s ease}
.ib-universal-nav>a:hover,.ib-universal-trigger:hover,.ib-universal-menu:hover>.ib-universal-trigger{color:#111}
.ib-universal-menu{position:relative;height:100%;display:flex;align-items:center}
.ib-universal-trigger{display:flex;align-items:center;gap:10px}
.ib-universal-trigger span{font-size:13px;transform:translateY(-1px)}
.ib-universal-dropdown{position:absolute;top:61px;left:50%;transform:translate(-50%,-6px);min-width:170px;background:#fff;border:1px solid #e7e7e7;border-radius:8px;box-shadow:0 16px 36px rgba(0,0,0,.10);padding:8px;opacity:0;visibility:hidden;pointer-events:none;transition:.18s ease}
.ib-universal-menu:hover .ib-universal-dropdown,.ib-universal-menu:focus-within .ib-universal-dropdown{opacity:1;visibility:visible;pointer-events:auto;transform:translate(-50%,0)}
.ib-universal-dropdown a{display:block;padding:10px 12px;border-radius:5px;color:#3f4046;font-size:13px;text-decoration:none;white-space:nowrap}
.ib-universal-dropdown a:hover{background:#fafafa;color:#e11d24}
.ib-solutions-dropdown{min-width:235px}
@media(max-width:700px){
  .ib-universal-nav{gap:20px;padding:0 14px;justify-content:space-between}
  .ib-universal-nav>a,.ib-universal-trigger{font-size:14px}
  .ib-universal-trigger span{font-size:10px}
}
@media(max-width:480px){
  .ib-universal-topbar{height:58px}
  .ib-universal-nav{gap:11px}
  .ib-universal-nav>a,.ib-universal-trigger{font-size:11px}
  .ib-universal-trigger{gap:4px}
  .ib-universal-dropdown{top:51px}
}

/* FIX: universal menu must blend into the existing header bar, not render as a white box. */
.ib-universal-topbar{display:contents!important;background:transparent!important;border:0!important;height:auto!important;position:static!important;}
.ib-universal-nav{background:transparent!important;height:auto!important;padding:0!important;}
.ib-universal-nav,.ib-universal-menu{background-color:transparent!important;}


/* Original external stylesheet: blog.css */
:root{--red:#e11d24;--red-dark:#e11d24;--ink:#090b0d;--ink2:#14191d;--muted:#687178;--line:#e3e6e8;--soft:#f6f7f8;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;background:#fff;color:var(--ink);line-height:1.65}a{color:inherit;text-decoration:none}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}
.blog-nav{position:sticky;top:0;z-index:1000;background:#fff;border-bottom:1px solid #e7e9eb}.nav-row{min-height:78px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px;margin-right:auto}.brand img{width:132px;height:auto}.brand small{font-size:8px;color:#8d979e;letter-spacing:.12em;white-space:nowrap}.nav-links{display:flex;align-items:center;gap:24px;font-size:14px;color:#555d63}.nav-links>a,.resource-trigger,.solution-trigger{position:relative}.nav-links>a::after,.resource-trigger::after,.solution-trigger::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--red);transition:.2s}.nav-links>a:hover::after,.resource-trigger:hover::after,.solution-trigger:hover::after{width:100%}.nav-cta{display:flex;gap:10px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:10px 16px;border-radius:7px;font-weight:700;font-size:13px}.btn-red{background:var(--red);color:#fff}.btn-outline{border:1px solid #d8dcdf;color:#222}
.resource-menu,.solution-menu{position:relative;display:flex;align-items:center}.resource-chevron,.solution-chevron{display:inline-block;margin-left:4px;transition:transform .2s}.resource-menu.open .resource-chevron,.solution-menu.open .solution-chevron{transform:rotate(180deg)}.resource-dropdown,.solution-dropdown{position:absolute;top:calc(100% + 16px);left:50%;transform:translateX(-50%) translateY(-6px);width:210px;background:#263640;color:#fff;border:1px solid rgba(0,0,0,.08);box-shadow:0 22px 50px rgba(0,0,0,.18);padding:10px;opacity:0;visibility:hidden;pointer-events:none;transition:.2s;z-index:1200}.solution-dropdown{width:265px}.resource-dropdown a,.solution-dropdown a{display:block!important;color:#fff!important;padding:13px 14px!important;font-size:14px!important;line-height:1.35!important;border-radius:6px}.resource-dropdown a:hover,.solution-dropdown a:hover{background:var(--red)!important}.resource-dropdown a::after,.solution-dropdown a::after{display:none!important}.resource-menu.open .resource-dropdown,.solution-menu.open .solution-dropdown{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.hero{padding:82px 0 50px;background:radial-gradient(circle at 88% 15%,rgba(227,29,36,.09),transparent 30%),#fff}.eyebrow{color:var(--red);font-size:12px;text-transform:uppercase;letter-spacing:.18em;font-weight:800}.hero h1{font-size:clamp(38px,5vw,64px);line-height:1.02;max-width:880px;margin:14px 0 18px;letter-spacing:-.045em}.hero p{max-width:780px;color:var(--muted);font-size:18px;margin:0}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:20px}.section-heading h2{font-size:30px;line-height:1.1;margin:0;letter-spacing:-.03em}.section-heading p{margin:0;color:#747d83;font-size:13px}
.blog-shell{padding:48px 0 90px}.recent{margin-bottom:62px}.recent-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.recent-card{position:relative;overflow:hidden;background:#11161a;color:#fff;border-radius:18px;padding:26px;min-height:280px;display:flex;flex-direction:column;border:1px solid #232b30;transition:.25s}.recent-card::before{content:"";position:absolute;width:150px;height:150px;border-radius:50%;right:-55px;top:-55px;background:rgba(227,29,36,.28)}.recent-card:hover{transform:translateY(-5px);box-shadow:0 20px 50px rgba(0,0,0,.15)}.recent-card .tag{position:relative;z-index:1;color:#ff7a80;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.recent-card h3{position:relative;z-index:1;font-size:21px;line-height:1.25;margin:16px 0 10px}.recent-card p{position:relative;z-index:1;color:#c6cdd1;font-size:13px;margin:0 0 20px}.recent-card .read{position:relative;z-index:1;margin-top:auto;color:#fff;font-weight:800;font-size:13px}.recent-card .read span{color:#ff4d55}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:42px}.all-posts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0;overflow:visible;min-height:360px;display:flex;flex-direction:column;transition:.25s}.card:hover{transform:translateY(-5px);border-color:rgba(227,29,36,.55);box-shadow:0 18px 45px rgba(0,0,0,.09)}.card .card-thumb{width:100%;height:150px;object-fit:cover;display:block;border-radius:16px 16px 0 0}.card .tag{margin:18px 25px 0;display:inline-flex;width:max-content;padding:5px 9px;border-radius:999px;background:rgba(227,29,36,.10);color:var(--red-dark);font-size:11px;font-weight:800;text-transform:uppercase}.card h3{font-size:20px;line-height:1.28;margin:15px 25px 9px;display:-webkit-box;-webkit-box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;min-height:51px}.card p{color:#687178;font-size:13px;line-height:1.6;margin:0 25px 18px;display:-webkit-box;-webkit-box-orient:vertical;-webkit-line-clamp:2;overflow:hidden}.article-hero-img{width:100%;height:340px;object-fit:cover;border-radius:16px;display:block;margin:0 auto;max-width:1040px}.read{margin-top:auto;color:var(--red-dark);font-size:13px;font-weight:800}.card .read{margin:0 25px 22px;margin-top:auto}.sidebar{position:sticky;top:105px;height:max-content;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}.sidebar h3{margin:0 0 8px;font-size:17px}.sidebar .hint{font-size:12px;color:#879097;margin:0 0 15px}.cat{width:100%;border:0;background:#fff;display:flex;align-items:center;justify-content:space-between;gap:8px;padding:12px 0;border-bottom:1px solid #eceeef;font:inherit;font-size:13px;color:#555d63;text-align:left;cursor:pointer}.cat:last-child{border-bottom:0}.cat:hover,.cat.active{color:var(--red-dark);font-weight:800}.cat i{color:var(--red);font-style:normal}.empty{display:none;padding:28px;border:1px dashed #d8dcdf;border-radius:14px;color:#707980;background:#fafafa}.footer{background:#0b0e10;border-top:1px solid #20272c;padding:35px 0;color:#879198;font-size:13px}
.article-wrap{max-width:1040px;margin:auto;padding:58px 20px 100px}.article-head{padding:30px 0 38px;border-bottom:1px solid var(--line)}.article-head h1{font-size:clamp(36px,5vw,62px);line-height:1.05;letter-spacing:-.04em;margin:12px 0 18px}.article-head .lead{font-size:18px;color:#5d646a;max-width:850px}.article-body{max-width:850px;margin:42px auto 0}.article-body h2{font-size:28px;line-height:1.2;margin:42px 0 14px}.article-body h3{font-size:20px;margin:28px 0 10px}.article-body p,.article-body li{font-size:16px;color:#3f474d}.article-body ul,.article-body ol{padding-left:24px}.quote{border-left:4px solid var(--red);background:#f7f7f7;padding:18px 22px;margin:25px 0;color:#30363a}.agentic{margin:48px 0;padding:28px;border-radius:18px;background:linear-gradient(135deg,#11161a,#1b2328);color:#fff;border:1px solid #293239}.agentic h2{margin:0 0 10px;color:#fff}.agentic p{color:#c7ced2!important}.agentic-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:20px}.agentic-card{padding:18px;background:#fff;color:#111;border-radius:12px;border:1px solid #e3e6e8}.agentic-card strong{display:block;margin-bottom:6px;color:var(--red-dark)}.agentic-card span{font-size:13px;color:#677078}.back{display:inline-flex;margin-top:28px;color:var(--red-dark);font-weight:800}
@media(max-width:900px){.nav-links{display:none}.nav-cta{display:none}.recent-grid,.all-posts{grid-template-columns:1fr}.layout{grid-template-columns:1fr}.sidebar{position:static}.nav-row{min-height:68px;flex-wrap:wrap;row-gap:8px}.brand small{display:none}.ib-universal-nav{flex-basis:100%!important;flex-wrap:wrap!important;justify-content:center!important;row-gap:8px!important;padding:6px 0!important}.agentic-grid{grid-template-columns:1fr}.blog-shell{padding-top:34px}.section-heading{align-items:flex-start;flex-direction:column}.article-hero-img{height:200px;border-radius:10px}}
@media(max-width:520px){.wrap{width:min(100% - 28px,1180px)}.hero{padding:60px 0 36px}.hero h1{font-size:40px}.hero p{font-size:16px}.article-wrap{padding-left:14px;padding-right:14px}.article-head h1{font-size:38px}}


.ib-inline-style-1{float:right}

/* Inline styles moved out of HTML attributes */
.ib-inline-style-1{float:right}